Financial Tools & Resources
Put Knowledge Into Action
Access the practical worksheets, calculators, and guides mentioned in The Real Money Guide, designed to transform financial concepts into real-world results.
Financial knowledge only creates change when put into practice. That’s why The Real Money Guide isn’t just about understanding concepts—it’s about implementing them in your daily life. Each resource on this page corresponds to specific chapters in the book, allowing you to immediately apply what you’ve learned.
Whether you’re creating your first budget, planning debt repayment, optimizing variable income, or managing equity compensation, these tools provide the structure to turn principles into practice. They’ve been tested and refined through work with hundreds of individuals at all financial stages, from rebuilding after setbacks to managing substantial wealth.
Select the tools that address your current financial priorities, or work through them systematically as you progress through the book. Each download includes detailed instructions and examples to help you customize it to your unique situation.
Budgeting & Cash Flow Tools
Transform your relationship with money using practical tools designed for real-life income and spending patterns. Whether you’re managing variable income, balancing family finances, or maximizing a professional salary, these resources help you build a sustainable system that puts you in control without constant penny-pinching. Start with our popular Monthly Budget Template and Variable Income Planning Worksheet to create clarity and confidence in your financial foundation.
Tools
Monthly Budget Template:
Customizable Excel/Google Sheets template
Variable Income Planning Worksheet:
For freelancers and commission-based workers
Expense Tracking System:
Simplified categories for easy monitoring
50/30/20 Calculator:
Help implementing this budgeting approach
Irregular Expense Planner:
For managing predictable non-monthly expenses
Debt Management Resources
Take control of your debt situation with strategic tools that go beyond basic repayment advice. These resources help you understand your complete debt picture, compare different payoff strategies, and create a personalized plan for financial freedom. Our Debt Inventory Worksheet and Payoff Timeline Calculator have helped thousands turn overwhelming obligations into manageable plans, regardless of debt size or type.
Tools
Debt Comparison Calculator:
Determine between Snowball or Avalanche methods
Payoff Timeline Calculator:
Visualize freedom dates with different strategies
Student Loan Optimizer:
Find the best repayment plan for your situation
Mortgage Analysis Tool:
Compare different mortgage options and terms
Credit Improvement Checklist:
Step-by-step actions to improve credit scores
Investment & Wealth Building
Build lasting wealth with practical investment tools designed for both beginners and experienced investors. These resources help clarify your investment strategy, determine appropriate asset allocation, and track progress toward long-term goals. From our straightforward Asset Allocation Worksheet to our comprehensive FIRE Planning Toolkit, these tools demystify the wealth-building process and help you create a personalized path to financial independence.
Tools
Investment Policy Template:
Create guidelines for your investment decisions
Asset Allocation Worksheet:
Determine your ideal investment mix
Real Estate Investment Analyzer:
Evaluate potential property investments
Retirement Readiness Calculator:
Check progress toward retirement goals
FIRE Planning Toolkit:
Resources for those pursuing FIRE
Career & Income Resources
Maximize your earning potential and career satisfaction with tools designed to help you make strategic professional decisions. From negotiating compensation packages to evaluating side hustles, these resources help you increase income while maintaining work-life harmony. Our Compensation Negotiation Guide and Career Value Calculator provide the frameworks needed to make confident career moves that align with your financial goals.
Tools
Compensation Negotiation Guide:
Prepare for salary discussions
Side Hustle Evaluation Tool:
Analyze potential additional income sources
Tax Optimization Checklist:
Ensure you’re not overpaying taxes
Work-Life Balance Assessment:
Evaluate and improve your current situation
Career Value Calculator:
Determine the financial impact of career moves
Family & Legacy Planning
Create lasting financial impact by developing tools for family financial harmony and generational wealth transfer. These resources help couples align financial values, teach children age-appropriate money skills, and ensure your legacy continues according to your wishes. Start with our Financial Communication Worksheet and Family Money Values exercise to build the foundation for lasting family financial success.
Tools
Expense Sharing Calculator:
For couples or any two people sharing expense
Kid’s Money Lesson Plans:
Age-appropriate financial education activities
Estate Planning Checklist:
Ensure your affairs are in order
Digital Asset Inventory:
Track online accounts and access information
Family Money Values Worksheet:
Clarify and document your financial philosophy
Exclusive Content
Access premium financial guidance typically reserved for high-net-worth clients through our exclusive content area. Find advanced resources including monthly expert-led webinars addressing complex financial challenges, in-depth case studies of successful financial transformations, and custom calculators for specific situations like equity compensation optimization and tax-efficient retirement withdrawals.
Specs
Monthly Webinar Access:
Live Q&A sessions on rotating financial topics
Advanced Calculators:
More detailed tools for specific situations
Case Study Library:
Real examples of financial transformations
Expert Interviews:
Conversations with financial specialists
Book Owner’s Portal:
Special resources only for book purchasers