12 Rules for Financial Life - A Framework for Personal and Business Wealth
The Lionhood Financial Framework for Personal and Business Wealth
At Lionhood Financial, we believe financial freedom isn’t a dream—it’s a discipline. These 12 rules are more than just advice. They're a blueprint backed by research, built to guide real people and business owners from chaos to clarity—from debt to generational wealth.
Each rule is rooted in behavioral finance, coaching best practices, and economic case studies. If you’re ready to take command of your money with confidence and wisdom, start here.
🔎 Rule 1: Face Your Finances — Clarity Comes Before Change
Avoiding your bank account doesn’t solve the problem. It multiplies it. Transformation begins with visibility.
📖 Study: Transtheoretical Model & Financial Change
💳 Rule 2: Spend with Purpose, Not Emotion
Emotional spending creates regret. Purposeful spending creates legacy.
📖 Study: Behavioral Factors in Financial Decision-Making
💵 Rule 3: Prioritize Cash Flow — Profits Don’t Pay Bills, Cash Does
Your business can be “profitable” on paper and still go under.
📖 Study: 82% of Small Businesses Fail Due to Cash Flow
🧱 Rule 4: Use Debt as a Lever, Not a Crutch
Debt is a tool—but it requires training. Use it with clarity, not confusion.
📖 Study: NFCC’s SHARPEN Project on Debt Counseling
🌧 Rule 5: Build Emergency Reserves — Save Like It’s Survival
When life hits hard, your savings should hit back.
📖 Study: Emergency Savings & Financial Stability (CFPB)
📊 Rule 6: Own More Than You Owe — Track Your Net Worth Monthly
What gets measured gets mastered. Your net worth is your scoreboard.
📖 Study: Financial Coaching Case Study on Net Worth Tracking
🎁 Rule 7: Practice Generosity — Giving Fuels Growth
The most prosperous people are the most generous.
📖 Study: UBC Prosocial Spending & Happiness
🧠 Rule 8: Understand Your Money Story — Break Generational Scripts
Your money mindset didn’t start with you—but it can stop with you.
📖 Study: Klontz Money Scripts & Behavior Study
🏗 Rule 9: Align Your Business With Purpose
Money sustains a business. Purpose scales it.
📖 Study: Purpose-Driven Entrepreneurs
⚙️ Rule 10: Automate Success — Systems Beat Willpower
You don’t need more discipline. You need better design.
📖 Study: Wharton Pension Council - Automation in Savings
💬 Rule 11: Talk Money Honestly — Silence Is Expensive
Conversations around money are uncomfortable—but they’re necessary.
📖 Study: Financial Communication & Spousal Savings Behavior
🌱 Rule 12: Leave a Legacy, Not Just a Lifestyle
Lifestyle fades. Legacy remains.
📖 Study: $90 Trillion Wealth Transfer Study (Northwestern Mutual)
✨ Start Building Your Financial Legacy Today
At Lionhood Financial, we don’t just give advice. We give you a proven path. Through one-on-one coaching, cash flow strategy, debt elimination planning, and legacy-building frameworks—we help you make faith-filled financial decisions backed by real-world research.
👉 Book Your Free Consultation
👉 Download Our Financial Freedom Guide
Let’s build wealth that lasts. Together.