The FRC Implementation Toolkit: Know Exactly What To Do With Your Next Dollar

You know you should be doing something smart with your money. You just don’t know what comes first.

The Financial Readiness Checklist tells you exactly what to do with your next dollar. This toolkit makes it dead simple to actually do it.

Here’s what you get:

FRC QuickStart Guide: a plain English walkthrough that shows you exactly how to use the checklist phase by phase, with real examples. No jargon. Just “do this, then do this.”

FRC Implementation Toolkit (Excel): the interactive workbook where you actually run the checklist. Plug in your income, expenses, debts, and savings it calculates your emergency fund target, debt payoff order, and savings rate automatically. Formula locked so you can’t break it. Fill in the yellow cells, the workbook tells you exactly which phase you’re in and what to fix next.

Deployable Net Worth Tracker (Excel): the scoreboard that actually matters. Not your total net worth full of houses and retirement accounts you can’t touch — your deployable net worth. Cash + brokerage + liquid investments. Plug in your numbers, update it quarterly, and track the one number that tells you if you could walk away from your job in 6–12 months. Watch it grow.

Financial Readiness Reference Card: all six Financial Readiness Rules on one page. The 20/3/8 car rule, the housing rule, the deployable net worth rule. Your guardrails for every big money decision.

FRC Workbook: the step by step action plan that turns the checklist into actual moves. Specific tasks, targets, and milestones so you always know what “done” looks like before you move on.

You make good money but you don’t have a system. So every paycheck disappears and you’re not sure where it went. You know you should be investing, saving, paying down debt but you don’t know the right order. So you do nothing. Or you do everything at once and none of it moves the needle.

This toolkit gives you the order. One phase at a time. No guessing.

$47.

That’s less than one overtime hour for most of you. And it replaces the financial advisor you were never going to call anyway.