The blueprint

A step-by-step money system designed to be easy to follow.

Step 1 — Stabilize (Week 1)

• [ ] Track income + expenses
• [ ] Cut 1–2 leaks
• [ ] Set a starter emergency fund goal

Step 2 — Build runway (Weeks 2–4)

• [ ] Grow emergency fund
• [ ] Get current on high-interest debt plan
• [ ] Set a simple monthly budget target

Step 3 — Strengthen credit + reduce debt (Month 2)

• [ ] Pay on time
• [ ] Reduce utilization
• [ ] Pick a payoff method (snowball or avalanche)

Step 4 — Invest + build wealth (Month 3+)

• [ ] Set TSP/401k/IRA contributions
• [ ] Create a simple retirement roadmap
• [ ] Track wealth-building goals

Weekly 10-minute check-in

• [ ] Update Current vs Target