We didn't ask to be born into captilalism but yet here we are... this workbook is an essential framework to live a financially stress free life. It is your right!
Ideal for
Age 27–40 = Late Millennials
Age 13–26 = Gen Z
Age 0–12 = Gen Alpha
Saving Essentials
1. Save for Retirement – Tax free
This includes contributions to accounts like your Roth IRA. These vehicles are designed for long-term growth, allowing your investments to compound over time—tax-free.
Why it helps:
It ensures you’re building wealth for the future, while potentially reducing your taxable income today. With consistent contributions and market growth, your retirement fund becomes the financial foundation for long-term independence.2. Save for a $1 Million Home Down Payment (adjust to your goal)
This goal targets a 20% down payment (plus closing and moving costs) on a $1M home, totaling approximately $240,000.
Why it helps:
It positions you to buy a high-value home with minimal mortgage stress, avoiding PMI and building equity faster. Strategic investing helps your money grow faster than inflation, accelerating your path to ownership.3. Accessible Cash for Home Purchase (Brokerage + HYSA)
This reserve is split between a high-yield savings account (HYSA) for safety and liquidity.
Why it helps:
It gives you immediate access to cash when it’s time to make an offer, pay for inspections, or close on your home—without selling retirement assets or scrambling for funds. It also provides optionality if market conditions shift or you choose to pivot to a different opportunity.Ready-to-Use Formats
Excel (with formulas)
PDF for printable, analog-friendly use