It's challenging to gain your footing as a head of household. There are many competing interests financially that you have to juggle.

Saving for expenses, vacations, school, and maintenance is part of your daily routine. However, we still need to save for emergencies, invest for retirement, and build a nest egg for future generations.

How is one to thrive in this overwhelming environment? First, learn to relax. Then we only need to create a road map. It won't be perfect, but the intention will keep us on the path.

Next, we learn these five steps and begin to execute them. Even if you invest only $20/month into a dividend portfolio or make $20/month from a business, you are well on your way.

Don't focus on the money you'll need, focus on building habits. Eventually, all this goodwill can create positive energy towards your goals. You'll find yourself becoming "lucky" because of education and opportunity. If you want to lead a financially free family, you'll have to take it seriously. I believe in you.