Reader resources

Use the example. Protect a clean copy.

Available files can be downloaded directly without an account or email gate. Resources still in development have no placeholder downloads.

3 tools · 12 files available

A Payment Plan You Can Keep

Compare payoff paths and offers, then prepare and record a creditor conversation.

Choose a tool and download →3 tools · 12 files available

Retirement From Here

Compare later-start scenarios, map contribution timing, and reset after change.

Choose a tool and download →3 tools · 12 files available

Investing You Can Explain

Write the purpose, horizon, risk limits, costs, and contribution rule before choosing products.

Choose a tool and download →3 tools · 12 files available

Different Pay, Shared Plans

Make shared expenses, contributions, settlements, and review points explicit.

Choose a tool and download →3 tools · 12 files available

Before You Buy the Rental

Test cash flow, repairs, reserves, and missing evidence before deciding.

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Before you download

Open a worked example to understand the method, then save a separate clean copy for your own information. Confirm current statements, terms, limits, employer rules and other decision-critical facts before acting. Compatibility is listed on each resource page.