Essential reading
The best single book on how behavior — not knowledge — determines financial outcomes. Required reading before Step 1.
BehaviorThe framework behind every step's WIG + lead measures + scoreboard system. Read this to understand why the execution layer works.
ExecutionThe foundational case for low-cost index investing. Backs up the investment philosophy in Steps 9–12.
InvestingThe automation-first approach to personal finance. Directly aligned with Steps 0.4 and the automation layer throughout Phase 1.
AutomationCalculators & tools
Monte Carlo retirement simulator. Use to validate your FI number from Step 0.1.
Free dashboard for tracking net worth across all accounts. Connects to Step 0.2.
Term life and disability insurance comparison. Referenced in Steps 1 and 2.
Zero-based budgeting tool. Pairs with Step 0.3 for your cash flow reality check.
Low-cost brokerage homes for your Roth IRA, HSA, and taxable accounts in Steps 9–12.
Payoff calculator and tracker for the avalanche method used in Step 5.
Key numbers to know
401(k): $23,500 · Roth IRA: $7,000 · HSA (family): $8,550 · HSA (individual): $4,300. 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