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Personal Finance

Build wealth through smart decisions. Track your progress, learn key concepts, explore strategies.

Budgeting Essentials

50/30/20 Rule

50% needs, 30% wants, 20% savings

Monthly Income

Not tracked yet

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Emergency Fund

3-6 months expenses

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Priority

Pay Yourself First

Automate savings before spending

Expense Tracking

Track for 1 month minimum

Debt Management

Total Debt

No debts tracked

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Avalanche Method

Highest interest first

Best ROI

Snowball Method

Smallest balance first

Motivation

Good Debt/Bad Debt

< 4% good, > 10% bad

Debt-to-Income Ratio

Keep below 36%

Investment Basics

Employer Match

Free money - max it out

Priority #2

Index Funds

Low fees, broad diversification

Time in Market

> Timing the market

Asset Allocation

120 - age = % stocks

Dollar Cost Averaging

Invest same amount monthly

Life Decisions

Career Path Analysis

Compare options holistically

Smart Tool

Buy vs Rent

Total cost over time

Lifestyle Inflation

Avoid keeping up with Joneses

24-Hour Rule

Wait before large purchases

Financial Education

Read, listen, learn daily

Life Strategy Evaluator

Compare different career and life paths from financial and lifestyle perspectives

Personal Finance Evaluator

Answer these questions to understand your financial profile. Your scores will power your dashboard.

When the market drops 20%, you typically:

How do you define your financial goals?

How many hours per week do you spend learning about finance?

0 hours

0
5
10+

Your process for major financial decisions is typically:

Your Financial Profile Scores

0%

Risk Tolerance

0%

Goal Alignment

0%

Learning Rate

0%

Decision Process

💡 Remember: Personal finance is 80% behavior, 20% knowledge.

🎯 Tools: Budget • Debt Payoff • Emergency Fund • Buy vs Rent