Readiness Isn’t a Number — It’s a Mindset
What's Your Readiness Score?
Discover why true financial readiness isn’t about hitting a number but building control, certainty, and confidence in your cash flow. Learn how to create lasting financial resilience without relying on luck or market timing.
Yesterday, I did something that, by most people’s standards—including my wife’s—I wasn’t ready for: a solo open-water swim.
No coach. No crowd. No perfect training plan.
Just me, the water, and a willingness to test what I believed I was capable of.
Published on October 13, 2025
By: Thomas Farrar of FreedomBankers
By all external measures, I was not ready:
I’d only trained three quick pool swims.
My body battery was 26 when I woke up.
My back was sore.
I’d slept in a foreign bed.
I hadn’t worn that wetsuit in 11 years.
And yet, I finished—with one and a half minutes to spare.
That experience reminded me of something powerful: readiness isn’t defined by numbers—it’s defined by mindset.
When it comes to finances, most people define “readiness” through outdated metrics someone else created.
They’ve been told to:
Chase a specific number.
Trust the market to do the right thing.
Hope that everything will go according to plan.
But hope isn’t a strategy.
And dependency isn’t readiness.
True readiness is control.
It’s understanding your cash flow.
It’s having liquidity, certainty, and a plan that continues to grow without relying on market performance or sleepless nights.
Just like physical training, financial readiness is built through consistency, not perfection.
In my 50s, I’m compounding my physical readiness one workout at a time.
At the same time, I’m compounding my financial readiness through cash flow systems that don’t depend on luck, timing, or market swings.
Both require one thing: a decision to start.
So, how’s your readiness—physical or financial?
If you’ve been waiting for the perfect time to take control of your money, remember this: you’re probably closer than you think.
You don’t need to be perfect. You just need to start building certainty.
Make it a great day! And before you move on, ask yourself: What’s your readiness score?
