At Factum, we empower individuals and families to alleviate financial pressure by building TOUGH MONEY Habits—habits that create control, certainty, and long-term financial success. To build TOUGH MONEY, you need to answer the FIVE most important financial questions: Q1:  Do you know how much you should be EARNING in passive income to live the life you have always wanted? Q2: Do you know how much you should be SAVING to achieve your passive income goal? Q3: Do you know how much you should be HOLDING in cash reserves to guarantee your protection and opportunities when events happen? Q4: Do you know if the current environment where you hold your money is MAXIMIZING THE BENEFITS you deserve? Q5: How would you rate your current MONEY MANAGEMENT HABITS? If you don’t have clear answers to these questions, you’re not alone. That is why Factum exists—to help you develop TOUGH MONEY Habits that lead to having the TOUGH MONEY EFFECT in your life.