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Where are you in the build?

Every MoneyBricks member is always in a Stage — a five-level frame for exactly where you stand in your financial build, and what it takes to move up. Like a construction project, it turns progress into something you can see.

Every MoneyBricks member is always in a Stage. The Building Stages are a five-level frame for exactly where you stand in your financial build — and what it takes to move up. Like a construction project going from breaking ground to move-in ready, they make progress visible, personal, and measurable.

“Your Stage isn't a judgment — it's your starting point on the build. Every member who ever reached Stage 5 spent time in Stage 1 first. The only direction that matters is up, and the next brick is always within reach.”— Brix

The five Building Stages

Each Stage maps to how much of the wall you’ve built. You’re always in one — and the next brick is always within reach.

  1. Stage 1

    Breaking Ground

    Paycheck to paycheck. No savings cushion. High-interest debt eating your cash flow. It feels like you're digging a hole instead of building something.

    Brix’s focus: Stabilize cash flow, build the first $1,000 cushion, and lock in your first Healthy Habits. Stop the bleeding.

  2. Stage 2

    Steady Footing

    Emergency fund started. The paycheck-to-paycheck cycle is breaking. Debt payments are going out. The budget exists but still feels fragile — the first solid ground is starting to emerge.

    Brix’s focus: Finish a one-month emergency fund, attack your highest-interest debt, activate SnapBudget, and complete your first 30-day sprint.

  3. Stage 3

    Walls Going Up

    A 3–6 month emergency fund in place. Debt actively shrinking. First retirement contributions underway. The budget is working, and the structure is taking shape.

    Brix’s focus: Accelerate debt payoff, raise your retirement contributions, run your Full Walkthrough, and build investing knowledge with Money Principles.

  4. Stage 4

    Roof On

    ★ The target

    Consumer debt eliminated. Investing consistently. Net worth growing every month. All eight Blueprint pillars active — compound interest is finally working for you.

    Brix’s focus: Optimize tax strategy, max your retirement accounts, diversify, activate estate and insurance planning, and begin your giving goals.

  5. Stage 5

    Move-In Ready

    Financially independent, or on a clear path to it. Passive income streams active. Legacy plan complete. Money fully aligned with what you worked your whole life to build.

    Brix’s focus: Preserve and optimize wealth, refine your legacy strategy, sustain all eight pillars, and hand knowledge down to the next generation.

Get the roof on

Stage 4 — Roof On is the defining target. It's where compound interest flips from adversary to ally, where net worth curves upward, and where every dollar is building the future instead of covering the present. Getting the roof on doesn't take a high income — it takes the right blueprint, the right habits, and sustained discipline over time. Stage 4 is where money starts working harder than you do.

The Stage-Up Moment

When you cross into a new Stage, MoneyBricks makes it a milestone worth marking — the financial equivalent of getting the keys.

  • Stage-Up Notification

    A full-screen celebration the instant your build crosses a Stage threshold, with Brix narrating the moment.

  • Personalized Stage-Up Message

    Brix names the exact moves that got you there: “You reached Stage 3 by eliminating $11,000 in credit card debt and building a 4-month emergency fund. That took real work.”

  • Shareable Stage-Up Card

    A branded card you can post: “I hit Stage 3 on MoneyBricks. Building something real.”

    Make a card →

  • Next Stage Roadmap

    The moment you level up, Brix shows exactly what the next Stage takes — so the next target is always in view.

  • Advisor Notification

    On premium plans, your linked advisor gets notified — turning your Stage into a shared progress framework.

One language across the build

Stages are the connective tissue of MoneyBricks. Your bricks map to a Stage, your goals are tagged by Stage, your 30-day sprints target your Stage, and your Financial Strength Report shows your Stage across all eight Blueprint pillars — so Brix coaches you based on exactly where you are.

Your bricks →30-day sprint →Financial Strength Report →

Find your Stage. Start with your free BrickScore Assessment.

Your BrickScore and your bricks place you on the build — and Brix maps the climb from there.

Take the Free BrickScore Assessment

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