Alchemist Levels

The Alchemists 8 levels of Financial Intelligence from financial pain to financial pleasure. Helping you in the transmutation process step by step, from a base at pain to a synthesis of pleasure.

I believe we are all alchemists.

The motivation to start


How to succeed step by step






Can you visualize what it would be like to never have to worry about money ever again? Bills are always paid, you never have to think of which side of the menu to choose from, and what is more important, you have a healthy way of dealing with money so that it flows to you and expands, rather than disappearing before the end of the month!

I believe that all efforts have side effects. The effort you give to your financial situation will have other positive benefits, in other areas of your life, which sometimes you recognize only later. Changing is easier when you absorb the process of physical and energetic alchemy.

Change for the better was phrased well by Og Mendire who said ___________________

Book, Og Mendire

Follow through more action

Small action



Commitment to a simple Plan

It all starts with a thought:


Review – what went right – what could be better.












It is very important that you underachieve in the beginning, that means taking baby steps, it will be natural for you then to take toddler steps and so on. It is not so important how fast you go, the most important thing is the direction you are going in.

At the thought stage these are some actions you may wish to take:      - Watch videos        -Read articles.

A slightly more active approach would be to assess your situation. (link) do a personal SWOT analysis. Build a simple Plan. You could also create a vision of your ideal life. This is all done within the 8 levels of Financial Intelligence, here is a short explanation of the levels of financial alchemy.

The 8 levels


Financial Ignorance







I don’t know that I don’t know. All I know is that I am in pain. I am frustrated that I am never get ahead, no matter what I do. I am in debt over my head, and things just seem to always get worse. I have tried saving, but used the money for an “emergency”. I am too proud to ask for help, but really don’t know where to turn. No one reading this, is at this level, because you are here at Alchemists Well. That means you are at least at level 2.


Financial Awareness







I know my financial situation could be better, there is not enough month at the end of the money. I realize I can do something avoid it. I should budget and save, it just takes so much discipline. I also need to increase my income, because I am not going anywhere on the income I have now. I am ready to learn as long as I don’t have to pay much for it.

Financial Stability







My job pays the bills. We can go on holiday. I have put a little away in saving, we are stable, it’s not completely solid, but I am happy. I am starting to think about more I could do. This is a good base, but if anything happened to my job…


Financial Security






An example: We have out aside some reserves. If I lost my job, we could survive for a year at least, plenty of time to find another job. We are invested in a few shares. I have a retirement plan, my partner also works. Things are looking plenty good long term.

Financial Comfort






An example: We have almost paid off our houses mortgage. Our expenses are not great, we have enough saving and investments to lost at least a year if we stopped working. We can afford to go out to a restaurant at least once a month and not worry about the price. We have a nice home, 2 nice cars, both paid off. Life is good. We go on nice holidays at least twice a year. We can afford good schools for our children.

Financial Independence







At Silver level the additional difference above the other levels is that nons you do not need to work. Your income from your investments covers the expenses you and your family have every month. To check you have reached this level take your monthly expenses figure (normally what you budget every month) and subtract the passive monthly income from assets like real estate, dividends, businesses you do not actively manage, interest received etc. When this figure is “0” you have reached silver level.

Financial Freedom






Your passive income has reached a level whereby you simply don’t worry about what you spend anymore. Money is not important, other things become more important. Of course you are not going to go and blow a million on the futures market just for fun, your habits are ingrained, you have moved on.

Alchemist Mastery







This is the level of Mastery. To work on mastery it is often best to teach others, by definition of a master, has students. This retimes your own abilities and allows you to also learn from others by obtaining new input and alternative ideas and methodologies. This level at Alchemists well is purely voluntary, and all income earned by those volunteering to help other “students” or pilgrims on their journey goes towards either a charity of the pilgrims choice or of the master. Remember that through the practice of Financial fulfillment, the benefits are in the journey. Be the destination.