From your first paycheck to your legacy — budgeting, debt, investing, taxes, insurance, retirement, estate planning. Written in plain English, built on verified 2026 numbers, and personalized to your life: kids or no kids, business owner or employee, single income or many.
Money advice only works when it fits your life. Pick your stage — or take the 3-minute planner and get a plan built around your exact situation.
First job, maybe debt, no clue where to begin. The exact order of operations: emergency fund, 401(k) match, Roth, and killing high-interest debt.
Get my starter plan →Marriage, kids, a mortgage, competing goals. How to fund retirement and college, insure two incomes, and write the will.
Get my family plan →Catch-up contributions, college bills, aging parents, maybe a business. Tax-smart moves that matter most in your highest-income years.
Get my peak-years plan →Social Security timing, Medicare, RMDs, Roth conversions, and making the money last 30 years. The drawdown playbook.
Get my retirement plan →Solo 401(k) vs SEP, quarterly taxes, the QBI deduction, and separating business money from family money.
Read the owner’s guide →Coordinating two 401(k)s, spousal IRAs, beneficiary planning, and insuring both earners — including the unpaid one.
Get my household plan →Each one is a complete, plain-English deep dive — key numbers for 2026, step-by-step checklists, FAQs, and links to the official source for everything.
Budgeting that sticks, the emergency fund, avalanche vs snowball debt payoff, and building a credit score that saves you thousands.
Read guide →Every account explained — 401(k), IRA, Roth, HSA, 529, brokerage — with 2026 contribution limits, asset allocation, and index-fund basics.
Read guide →2026 brackets, standard vs itemized, Roth vs traditional, capital gains, the SALT cap, and moves that legally lower your bill.
Read guide →How much term life you actually need, disability insurance (the most underrated policy), umbrella coverage, and what to skip.
Read guide →A decade-by-decade playbook, Social Security claiming strategy, Medicare at 65, RMDs, and the order to spend your accounts.
Read guide →Wills, trusts, power of attorney, guardianship for minor kids, beneficiaries, and the $15M estate-tax exemption made permanent.
Read guide →529 plans by state, FAFSA changes, the child tax credit, and teaching kids about money without the lectures.
Read guide →Solo 401(k) vs SEP IRA vs SIMPLE, entity choice, quarterly estimated taxes, and the 20% QBI deduction.
Read guide →Buy vs rent math, mortgage types, down payments, PMI, points, and when refinancing actually pays.
Read guide →Generic advice fails because lives differ. The planner asks about your age, income, family, debts, and goals — then builds a prioritized plan that adapts to your answers.
See exactly where you stand across emergency savings, debt, retirement progress, savings rate, and protection — and what moves the needle most.
Not a vague list — a numbered sequence with dollar amounts: capture the 401(k) match, kill the 24% card, fund the HSA, open the 529…
Kids? You get guardianship, 529s, and life-insurance math. Business owner? Solo 401(k) vs SEP and quarterly taxes. 55+? Catch-ups, Social Security timing, RMDs.
Everything runs in your browser — your numbers never leave your device. Print or save the plan as a PDF for your records.
If you learn one thing here, learn this sequence. Do these in order — each step unlocks the next.
Full breakdown with 2026 limits in the Investing guide.
Every number on this site traces back to a primary source. Start your own verification here.
Your earnings record, benefit estimates, and claiming rules at my Social Security.
ssa.gov →The SEC's free investor education: fraud alerts, fee calculators, advisor background checks.
investor.gov →