How to Use This Tool
Mastering the Flowchart, one card at a time.
1. Enter Your Numbers (Roughly)
You don't need penny-perfect accuracy. We use estimates (like the 50/30/20 rule) to get you started quickly. You can always refine your specific "Monthly Expenses" later.
2. Follow the Order
The "Prime Directive" (the flowchart this is based on) is mathematically ordered for the highest efficiency. Do not skip steps. Getting an employer match (100% return) is mathematically better than paying off a 4% mortgage.
3. Complete Action Items
The sidebar tracks "Side Quests" (Action Items). These are real-world tasks like "Log into Vanguard" or "Call HR". The tool is useless if you don't actually move the money!