DIY Financial Planning Workbook
Are you tired of feeling overwhelmed by your finances?
Most people don't have a finance problem—they have an organization problem.
You know you should be tracking your net worth. Planning for retirement. Building an emergency fund. Paying off debt strategically.
But between scattered spreadsheets, random notes, and "I'll get to it later"... nothing actually gets done.
What if you could organize your ENTIRE financial life in a single afternoon?
Introducing: The DIY Financial Planner Workbook
This is the exact framework I used with my financial planning clients—adapted for smart DIY investors who want professional results without the $30,000/year advisor AUM fee.
What makes this different from random templates you find online?
❌ Those free templates are incomplete (just budgeting, or just debt payoff) ❌ They're not designed by actual financial advisors ❌ They don't connect the dots between different areas of your finances ❌ You end up with 5 different spreadsheets that don't talk to each other
✅ This workbook is comprehensive - every major financial planning area in one place ✅ Designed by a former Financial Advisor with an MBA/MPH background ✅ Built for people who are smart enough to do it themselves but need structure ✅ Everything connects - your cash flow feeds your retirement plan, your debt strategy impacts your net worth, etc.
What's Inside: 12 Complete Financial Planning Modules
📊 Module 1: Net Worth Tracker See the big picture. Track assets, liabilities, and net worth growth over time. Finally know what you're actually worth (beyond your salary).
💰 Module 2: Cash Flow Analysis Where is your money actually going? Separate fixed vs. variable expenses, calculate your true savings rate, and identify optimization opportunities.
🚨 Module 3: Emergency Fund Calculator How much do you really need? Calculate your 3-month and 6-month targets, track your gap, and create a timeline to get fully funded.
💳 Module 4: Debt Payoff Strategy Avalanche vs. Snowball method comparison. Rank your debts by interest rate or balance, then create your custom payoff plan. (Excel version auto-ranks for you!)
🏖️ Module 5: Retirement Planning Worksheet The 25x rule calculator, required monthly savings, and a reality check on whether you're on track. No sugar-coating—just math.
🛡️ Module 6: Insurance Coverage Review Life insurance needs (income replacement method), disability coverage, health insurance tracking. Make sure you're protected without being over-insured.
📉 Module 7: Tax Optimization Checklist 2025 contribution limits for 401(k), IRA, HSA, and more. Track what you're maxing out and what you're leaving on the table. Standard vs. itemized deduction calculator included.
📈 Module 8: Investment Allocation Tracker Track your current stock/bond allocation across all accounts. Compare to target allocation based on age. Annual fee audit to catch hidden costs.
📋 Module 9: Estate Planning Checklist Essential documents tracking, beneficiary review dates, digital asset inventory, and document location management.
📅 Module 10: Annual Financial Review Reflect on the year, track key metrics, set goals for next year, and create quarterly check-in reminders.
🔐 Module 11: Account Master List Every financial account in one secure place. Institution, account numbers, login URLs. (Keep this somewhere safe!)
🎯 Module 12: 90-Day Action Plan Translate insights into ACTION. Break your financial goals into monthly priorities with built-in accountability.
You Get ALL THREE Formats (Not Just One!)
📗 Excel Workbook (.xlsx)
- Auto-calculating formulas (savings rate, retirement gap, debt rankings)
- Professional color-coding (blue = your inputs, black = calculations)
- Works in Excel, Google Sheets, and LibreOffice
- Perfect for people who love spreadsheets
📘 Word Document (.docx)
- Clean, professional formatting
- Opens perfectly in Google Docs
- Easy to edit, print, or share
- Great for collaborative planning with a partner
📕 PDF Version (.pdf)
- Print and fill by hand
- Fixed layout that won't break
- Perfect for physical filing systems
- No software required
👉 Why three formats? Because different people work differently. Use whichever fits your workflow—or use all three!
Who This Is For
✅ You're a DIY investor who's smart enough to handle your own finances but needs structure ✅ You've been meaning to "get organized" for months (or years) but never found the right system ✅ You're between advisors - maybe you're not ready to pay $30K+/year in AUM fees but want professional-level planning ✅ You want to verify you haven't missed anything critical before making big financial decisions ✅ You're hitting a life milestone - new job, marriage, home purchase, baby - and need to update your plan ✅ You're curious if you'd benefit from hiring an advisor - use this to see what professional planning actually covers
Who This Is NOT For
❌ You want someone to do everything for you (that's what hiring an advisor is for) ❌ You're looking for investment picks or "hot stock tips" (this is organization, not speculation) ❌ You need complex tax strategies that require a CPA (this helps you stay organized for your CPA) ❌ You have $10M+ and need estate planning attorneys (you need professionals, not templates)
Why $49.99 Instead of Free?
Two reasons:
- Free means you won't use it. You'll download it, feel good about yourself for 3 minutes, then never open it again. When you pay (even $49.99), you're making a commitment.
- This isn't some thrown-together template. This is the actual framework from my RIA practice, refined over years of client work, adapted for DIY use. The Excel version alone has 63 auto-calculating formulas and zero errors.
Regular price will be $99. You're getting the launch price because you're early.
Frequently Asked Questions
Q: Do I need special software to use this? A: Nope! The Excel version works in Google Sheets (100% free). The Word version opens in Google Docs (100% free). The PDF works on any device. You don't need Microsoft Office.
Q: Is this really comprehensive or just basic budgeting? A: See the 12 modules above. This covers everything a financial advisor would review in a comprehensive plan - net worth, cash flow, debt, retirement, insurance, taxes, investments, and estate planning. It's way beyond just budgeting.
Q: I'm not good with spreadsheets. Will I be lost? A: The Excel version has formulas built in - you just type in the blue cells. But if you prefer, use the Word or PDF version instead. They're designed to be completely intuitive.
Q: Can I share this with my spouse/partner? A: Absolutely! This is meant for household financial planning. Work on it together.
Q: Will this work for my specific situation? I'm [self-employed / have rental properties / etc.] A: The framework is flexible. It has fields for side business income, investment properties, and "other" categories throughout. If you have income/assets/debts, this will organize them.
Q: What if I need help after buying? A: Every workbook includes instructions for each section. If you get stuck, you can always email me directly at diywealthplanner@gmail.com.
Q: Do I get updates if you improve it? A: Yes! Any updates are free for life. I'll email you when there's a new version (like when contribution limits change for 2027).
Q: What's your refund policy? A: If this isn't what you expected, just email within 7 days for a full refund. No questions asked. (But I'm confident you'll find it valuable!)
What Happens After You Buy?
- Instant download - all 3 files (Excel, Word, PDF)
- Upload to Google Drive if you want to use Google Sheets/Docs (recommended)
- Block 2-3 hours to fill it out completely (yes, it takes time - this is real planning)
- Create your 90-Day Action Plan based on what you discovered
- Schedule a quarterly review reminder to stay on track
Special Bonus: Email Course (Included Free)
When you purchase, you'll get access to my 5-day "DIY Financial Planning" email course:
- Day 1: How to calculate your real net worth (and why most people get it wrong)
- Day 2: The cash flow analysis that reveals where your money actually goes
- Day 3: Emergency fund sizing - the formula advisors use
- Day 4: Retirement planning math that matters (forget the 4% rule)
- Day 5: The quarterly financial review routine that keeps you on track
No fluff. Just the concepts behind the workbook, explained in plain English.
Ready to Get Organized?
The DIY Financial Planner Workbook Complete Financial Organization System
Regular Price: $99 Launch Price: $49.99
✓ 12 comprehensive modules ✓ All 3 formats (Excel, Word, PDF) ✓ Professional-grade planning framework ✓ Lifetime updates included ✓ 30-day money-back guarantee
[💳 Buy Now - Instant Download]
Still on the fence?
Think about this: What's the cost of NOT having your finances organized?
- Missing out on $7,500 in tax-advantaged IRA contributions ($750 in tax savings at 10% bracket)
- Paying 18% on credit card debt because you never created a payoff strategy
- Undersaving for retirement by $300/month = $360,000 less at retirement (30 years, 7% return)
- Buying life insurance you don't need (or worse, not having enough)
This $50 workbook could save you $6,000+ in mistakes this year alone.
About the Creator
Hi, I'm Carlos. I ran a fee-only RIA (Registered Investment Advisor) in South Carolina. I have an MBA and an MPH, and I've spent years helping people organize their financial lives.
This workbook is the exact framework I used with my own planning clients - just adapted for DIY investors who want to do the work themselves.
I believe financial planning should be accessible. Not everyone needs a $30,000/year advisor relationship. Some people just need the right structure and tools.
If this workbook helps you get organized and reveals you need professional guidance, great. If it helps you confidently manage everything yourself, that's great too.
Either way, you win.
Let's get you organized.