Build a simple "operating system" for your money-so you always know what to do next.
Most personal finance advice is a pile of tips. The Wealth Operating System turns your finances into a repeatable system: track the right metrics, automate the essentials, and run short reviews that keep you on course-without obsessing over every dollar.
Inside, you'll build a three-layer plan:
- Foundation: cashflow clarity, budgeting without misery, debt cleanup, and an emergency buffer
- Growth: tax-smart accounts, a durable investing plan, and consistent contributions
- Protection: insurance, identity safeguards, and an intentional legacy
What you'll learn (with templates you can use immediately):
- The Wealth Scoreboard: net worth, cashflow, and savings rate-the three numbers that drive everything
- The Cashflow Map: budgeting with guardrails, categories, and automation
- Debt Destruction: snowball, avalanche, negotiation, and the "stop new debt first" rule
- The Emergency Buffer Ladder: how much to keep, where to keep it, and when to use it
- The Account Ladder: 401(k), IRA, Roth IRA, HSA, and brokerage-what comes first
- Investing that works: index funds, diversification, rebalancing, and staying the course
- Bonds and cash tools: T-bills, ladders, and when to hold them
- Tax basics + advanced strategy: withholding, deductions/credits, backdoor Roth, mega backdoor Roth, and tax location
- Side income and small business: deductions + simple recordkeeping
- The Protection Stack: disability insurance, life insurance, umbrella insurance, and identity protection
Start fast: The "Quick Start (Your First 7 Days)" section helps you set up your scoreboard, automate key moves, and build momentum immediately.
Informational purposes only. Not financial, tax, or legal advice.
