About F2R Operating Model 5 Key Steps Products & Providers Agent Login Login Register Menu About F2R Operating Model 5 Key Steps Products & Providers Agent Login Login Register The 5 Steps to Financial Independence Did you know better financial circumstances are just steps away? By understanding the following five steps to financial independence and putting them into action, you give yourself a money transformation. Get started now... Proper Protection Step 1 Debt Management Step 2 Build Wealth Step 3 Preserve Wealth Step 4 Cash Flow Step 5 Step 1 Proper Protection Call an F2R business owner today Step 2 Debt Management Call an F2R business owner today Step 3 Build Wealth Call an F2R business owner today Only 16% of americans are saving 15% of their annual income for retirement or emergencies. CNBC.com, March 2019. Step 4 Preserve Wealth Call an F2R business owner today Step 5 Cash Flow Call an F2R business owner today