What's the smallest amount of money that you would consider "life-changing"? Some might say $100,000. Others over $1 million. If you had asked me this question a few years ago, I would have told you something similar. But today, I'm convinced that the most life-changing amount of money is $10,000—in particular, the first $10,000. This amount is the threshold that separates Level 1 (<$10k) from Level 2 ($10k-$100k) in my Wealth Ladderframework. And I believe that going from $0 (Level 1) to $...
