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Most People Start in The Red


You should by now have a firm grasp of your net worth, which is your assets minus your debts. It’s OK if this is in the red— many people owe more money than they own! Much of our life comes in the form of a promise– like an education or a business investment. The best thing any of us can do is avoid frivolous spending habits. This section covers these month-to-month expenses so you can understand your long term financial picture.


  1. Do you owe more than you own?
  2. Now we look to the future, your earnings and investments.
  3. This section determines month to month expenses and earnings.