§ 00 — Consistency

Completion checklist and timeline

Every lesson and its worksheet in one place: what you have finished, when you finished it, and how much of the worksheet pack is filled in.

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Progress timeline

Day 1 → Day 14

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Completion checklist

Worksheet pack · 0/62 prompts answered (0%)

D01Personal Finance0/5 answered—
D02Saving Strategies0/5 answered—
D03Freedom from Debt0/5 answered—
D04Investment Basics0/4 answered—
D05Mastering Money Habits0/4 answered—
D06Financial Literacy0/5 answered—
D07Understanding Taxes0/4 answered—
D08Time Value of Money0/4 answered—
D09Common Money Mistakes0/5 answered—
D10The Psychology of Spending0/4 answered—
D11The Latte Factor — Small Changes0/4 answered—
D12SMART Financial Goals0/4 answered—
D13Financial Priorities Pyramid0/5 answered—
D14Profit and Loss: Understanding the Statement0/4 answered—

Import answersGo to lessons →Fill in a worksheet to enable the PDF export.

§ 01 — Knowing finance

Four pillars. Everything money does sits in one of them.

The whole field fits on one page. Personal finance keeps you solvent, investment makes surplus work, wealth management protects the result, and financial growth compounds the literacy behind all three.

The foundation

Personal Finance

The day-to-day machinery: what comes in, what goes out, and what you keep.

Budgeting
Saving
Debt Management
Spending Habits

Growth engine

Investment

Putting surplus capital to work so your money earns alongside you.

Stocks and Bonds
Index Funds
Real Estate
Time Value of Money

Protection & structure

Wealth Management

Keeping what you've built: taxes, coverage, and what happens after you.

Retirement Planning
Tax Strategies
Insurance
Estate Planning

Compounding literacy

Financial Growth

The habits and vocabulary that turn one good decision into a decade of them.

Financial Literacy
Money Habits
Profit and Loss
Avoiding Mistakes

Your profile

Tune the worksheets to your situation.

Every worksheet below adds prompts written for your tier, income range and goals. Saved in this browser.

Not sure where you sit?

Answer five short questions — age, dependents, career phase, income and how steady it is — and we'll set your life stage, income band and household for you.

Net worth tier

Household income

Life stage

Household

Goals — pick any

Lessons and worksheets now include Tier 01 lenses, a 15–20% savings-rate target, and the five advanced modules rewrite their key points and 10-minute actions for Just starting — plus prompts for 2 selected goals.

Tools & worksheets

The full 14-worksheet pack, printable.

One page per lesson — key ideas, the ten-minute action, and space to write your own numbers.

§ 02 — The curriculum

Read one. Do one thing.

Each lesson ends with a single action small enough to finish today. Mark it complete and the progress bar remembers where you left off.

Personal finance is simply deciding, on purpose, where your money goes. Four moves make up the whole game: earn it, spend it, save it, grow it.

Money in minus money out equals your monthly cash flow. If that number is negative, nothing else works.
Write down every fixed bill first — rent, insurance, loans. Those are decisions you already made months ago.
What's left after bills and saving is genuinely yours to spend guilt-free.

Today's 10 minutes

List your take-home pay and your fixed bills. One page. That's your starting line.

Worksheet · 0/5 answered

1
What is your monthly take-home pay?
2
List your three largest fixed bills and their amounts.
3
Money in minus money out = ?
4
At $75k — $150k, a workable savings rate is 15–20% of take-home — what is yours this month, and for a household of "just me"?
5
Build an emergency fund: Emergency fund: current balance, target balance, and the monthly amount that closes the gap.

Answers are stored in this browser and reappear when you come back.

§ 03 — Advanced planning

The five planning disciplines.

Risk management, investment planning, tax planning, retirement income and estate planning — the same five domains a certified planner works through, in plain language, with worksheets.

Included with any paid plan

See plans from $9/mo

Insurance is not an investment — it is how you stop one bad day from erasing a decade of saving. The job is to transfer the risks you cannot absorb and self-insure the ones you can.

Rank every risk by severity, not l…Term life over permanent for most …Disability is the most under-bough…

A portfolio is a policy document, not a collection of tickers. You write the allocation, the rebalancing rule, and the behaviour you'll follow in a drawdown — before the drawdown.

Start from required return, not fr…Asset allocation drives the large …Asset location matters: bonds and …

Tax preparation records history; tax planning changes it. Nearly every meaningful lever must be pulled before December 31, and the biggest ones are multi-year decisions.

Model your bracket across years, n…Sequence withdrawals deliberately:…Harvest losses to offset gains and…

Accumulation is arithmetic; decumulation is engineering. The second half is about turning a pile of assets into a paycheque that survives sequence risk, inflation, and a thirty-year horizon.

Work backwards from the spending n…Cover essentials with guaranteed i…Delaying Social Security to 70 rai…

Estate planning decides who gets what, who decides for you if you can't, and how much of it goes to tax and probate instead of the people you chose.

The core four documents: will, rev…Beneficiary designations override …A funded revocable trust avoids pr…

Tools & worksheets

Advanced planning worksheet pack

Coverage map, investment policy statement, multi-year tax projection, retirement paycheque and estate audit — five printable worksheets.

Unlock with a paid plan

Put it to work

Lessons are better with your real numbers.

Connect your accounts and Billbundler applies every lesson to the money actually moving through your life.

Ten minutes a day. Fourteen days.