Essential reading
The best single book on how behavior — not knowledge — determines financial outcomes. Required reading before Step 1.
BehaviorThe execution framework the system borrows from: one clear goal at a time, a few actions you control, and a visible way to track progress.
ExecutionThe foundational case for low-cost index investing. Backs up the investment philosophy in Steps 14–15.
InvestingThe automation-first approach to personal finance. Directly aligned with Step 4 and the automation layer throughout Phase 1.
AutomationCalculators & tools
Monte Carlo retirement simulator. Use to validate your FI number from Step 1.
Free dashboard for tracking net worth across all accounts. Connects to Step 2.
Term life and disability insurance comparison. Referenced in Steps 6 and 7.
Zero-based budgeting tool. Pairs with Step 3 for your cash flow reality check.
Low-cost brokerage homes for your Roth IRA, HSA, and taxable accounts in Steps 14–15.
Our own avalanche/snowball payoff calculator — enter your debts and see your exact payoff date. Built for Step 10.
Third-party payoff calculator and tracker, if you want a second option.
Key numbers to know
401(k): $24,500 · Roth IRA: $7,500 · HSA (family): $8,750 · HSA (individual): $4,400. Catch-up contributions available at age 50+.
Tax-advantagedWithdraw 4% of your portfolio in year one of retirement, adjust for inflation annually — historically sustainable for 30+ years. Your FI number = annual expenses × 25.
FI number