the free kit showed you the split. this one runs it.
six files. type your take-home once and the numbers you actually need appear — your five bucket targets, a debt-free date, what each savings goal costs you a month, and the exact transfers to set up so none of it needs you again.
every file opens with a real example already filled in, so nothing starts blank.
the four spreadsheets open in google sheets on your phone, as your own copy. nothing to install, nothing to unzip. prefer excel or numbers? every one has a download too.
inside the pro kit:
• 0 — start here. one page: which file to open first, and what you'll have ten minutes from now.
• 1 — the split planner. type your take-home, get your five targets. it works out where your money actually went and tells you which bucket broke, and by how much. one month at a time, or the whole year with your savings rate tracked across it.
• 2 — the debt payoff engine. your real balances, your real rates. it runs snowball and avalanche side by side and gives you both answers: what each costs in interest, and when each clears your first account. then you pick the one you'll actually finish.
• 3 — sinking funds. name what you're saving for and when you need it. it works out the monthly number for each goal, then tells you whether they fit inside your savings bucket.
• 4 — advanced idea scorecard & income projection. rate up to 8 ideas across 9 weighted factors. it ranks them, so you start with one instead of four.
• 5 — automation planner. five buckets, five transfers, one banking session. every line names the exact thing to do, where to do it, and how long it takes.
this is the 2026 edition. every improvement to it lands on your kit page, free — nothing to re-buy, no new link to find.
$19 once. yours forever. no subscription, no upsell waiting behind it.
30 days to change your mind. email me and i'll refund it.
this is education, not individualized financial advice.