This is about readiness, not intelligence or ‘how smart’ you are. You will get up to speed more quickly if you stay curious about where you are rather than skipping the basics skills and language that comes with beginning stages. Each of the five stages assumes a growing set of financial responsibilities and skill development that evolves from the basic language of a five year old to the extensive vocabulary and responsibility of a beneficiary, actively involved with trusts, assets, and complex financial responsibilities. If you haven’t had practice in a skill, don’t worry, just start at the beginning! In fact, we recommend beginning with a stage you think will be too easy for you to get started.