Starting line

• Today's net worth: $________
• Target date (12 months): ________
• Monthly gap to close: about $________ (10,000 − start) / 12
• Income after essentials you can aim at the goal: $________/mo

Order of operations

• Kill consumer debt over about 8% APR first (except tiny starter emergency $1k)
• Capture any 401(k) match — free return
• Fill starter emergency fund to $1,000 in HYSA
• Then split extras: debt kill vs invest vs cash goal

Monthly scoreboard (fill each month)

• Mo 1 NW $____ · Mo 2 $____ · Mo 3 $____ · Mo 4 $____
• Mo 5 $____ · Mo 6 $____ · Mo 7 $____ · Mo 8 $____
• Mo 9 $____ · Mo 10 $____ · Mo 11 $____ · Mo 12 $____
• Missed a month? Do not restart — raise next transfer $25

Rules

• Automate the transfer the morning after payday
• One fun money line so the plan does not snap
• Celebrate $2.5k / $5k / $7.5k / $10k milestones
• Next: /downloads/net-worth each quarter