Deep ValueYou make decent money. So why does it feel like you're always broke?
A free seven-day guide. One short part a day, one thing to do each day that takes under 15 minutes. By day 7 your money runs on a system instead of on guesses.
By day 7 you know your number, every debt has a plan, and money moves on payday without you touching it.
This is for you if you've ever thought:
- “I have a 401k and I have no idea what's in it.”
- “I know I should invest but I don't know where to start.”
- “I'll pay the card off after Christmas.”
- “I watch money videos every night and haven't done one thing.”
- “I make more than I did five years ago. So where is it?”
- “I'm scared of the stock market, and I'm also scared of missing out on it.”
- “I've never actually added up what I owe.”
Nobody taught you this.
School didn't. The job that handed you a 401k form on your first day never brought it up again. So you guess, and guessing costs real money.
A $5,000 card balance at 24% costs about $100 a month in interest before you've paid back a single dollar. Pay exactly that much and the balance never moves. That is how people who earn decent money stay broke for a decade.
The people who get this right weren't handed better brains. They were handed a plan early. This is that plan, one part a day for seven days.
Seven days. About 15 minutes each.
- Day 1Why most people never get ahead
The three traps, why time matters more than money, and the one number to write down tonight.
- Day 2Build the budget in one sitting
Every dollar in, every dollar out, on one page, and the three things you'll cancel before bed.
- Day 3Make more money
You can only cut so much. Income has no ceiling. The raise, the job switch, and the side money that's real.
- Day 4Kill the credit cards
The one investment with a guaranteed return, the order to pay in, and the cushion that keeps you from sliding back.
- Day 5Where the money goes
The 401k match, the Roth IRA, and why one S&P 500 index fund is the whole plan.
- Day 6Put it on autopilot
The payday transfer, the raise rule, the four crashes, and the plan you sign while it's calm.
- Day 7Protect what you're building
Cars, houses, the insurance you need, the insurance you don't, and the two-minute step almost everyone skips.
Honest note: the card isn't paid off and the cushion isn't full after a week. Those take months. What's done in seven days is the system that gets them done, running without you.
Worksheets you fill in, not chapters you skim.
- The net worth worksheet and the one-page budget
- The debt order sheet, highest rate first, and the two calls that lower your rate
- How to check your 401k match in ten minutes, and what to do if it's sitting in cash
- How to open a Roth IRA and buy your first index fund in 15 minutes
- A one-page "if the market drops 30% tomorrow" plan you sign while it's calm
- The insurance checklist: the four kinds you need, the kinds that only make money for the seller
- A plain-English glossary of the words you'll actually hear
- A "Do this today" box at the end of every day, none longer than 15 minutes
46 pages, single column, big type. Reads on a phone without pinching. The web version tracks which days you've finished.
Where each dollar goes, in order.
- 1Enough into the 401k to get the full matchFree money first.
- 2One month of expenses in a cushion accountSo a flat tire never goes back on the card.
- 3Every debt over 10%, highest rate firstThe only guaranteed return in the guide.
- 4The cushion grows to three months
- 5One S&P 500 index fund, inside a Roth IRAThen more into the 401k.
Day 0 vs day 7
Nothing here is a prediction. It's a list of what exists after a week of 15 minute actions.
| What exists | Day 0 | Day 7 |
|---|---|---|
| Knows their net worth | ||
| Budget on one page, three leaks cancelled | ||
| Knows their market pay, raise conversation booked | ||
| Every debt listed, minimums on autopay | ||
| Full 401k match turned on, actually invested | ||
| Roth IRA open with an index fund in it | ||
| Money moves the day after payday, automatically | ||
| Insurance limits checked, beneficiaries named |
Because most people never get past day one.
I'd rather you start than pay me.
If this gets you to write down your number and cancel three subscriptions this week, it did its job, and you'll trust the next thing I make.
Someone who has been in the market long enough to stop finding it exciting.
I've been investing for a long time and I've sat through more than one crash. I've watched people lose years chasing the hot thing, and I've watched others do very well with one index fund and a transfer that runs every payday.
I'd rather you be in the second group, and this is the shortest path I know to get you there.
You'll know what to do when it drops 30%.
Every plan works until the market falls. Day 6 has you write your “if it drops 30% tomorrow” plan while it's calm, sign it, and take a photo of it.
People who sold in March 2020 and waited for it to feel safe missed the whole way back up. The plan exists so you never have to make that decision in the moment.
Things people ask before they download it.
Is this for beginners?
Yes. It assumes you've never bought a stock and don't know what an index fund is. Every term gets explained in one plain sentence, and there's a glossary at the back.
Do I need money to start?
No. The first four days are about knowing your number, building a one-page budget, bringing in more, and lining up the card. You don't invest a dollar until day 5, and when you do, $50 is enough to begin.
Is this a course or a PDF?
A PDF you can keep, plus a web version you can read on your phone and check off day by day. No videos, no login, no drip schedule.
Are you going to sell me something?
Not today. The guide is free and complete. Later there may be a paid, deeper version for people who want more, and you will never have to buy anything to finish this one.
Is this financial advice?
No. It's education. I don't know your situation, so nothing here is personalized advice, and I'm not your advisor. If you're facing a big decision you can't undo, pay a fee-only planner for an hour.
How long does it take?
Seven days, about 15 minutes a day. Reading the whole thing straight through takes about an hour. The card won't be paid off in a week and the cushion won't be full, but the system that gets them done will be running.
Get the guide.
Type your name and email and it's yours in about a minute. Then do day 1 tonight.
- PDF download, 46 pages
- Phone-friendly web version with a checkbox for each day
- One email with both links, so you can find it later