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Financial Life Cycle (DEPENDENT STAGE (NEEDS (Clothing, Shelter, Education…
Financial Life Cycle
DEPENDENT STAGE
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WANTS
Newest smartphone : 
Designer Clothes
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INDEPENDENT STAGE
The time in our life when we no longer rely on other people to provide our needs and wants. At this stage we have started working and might have started our family life
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WANTS
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Newest/fastest Car
Holidays
GROWTH STAGE
The time in our life when we become more settled in our working and family life. We may have a family of our own and new challenges in our working life
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MATURITY STAGE
The time in our life that we have reached the peak of our working life and start to plan our retirement stage
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