Wealth by Design · The Complete System · $97
Budgets fail. Systems don't.
The complete money system for ordinary incomes — know your numbers, automate the saving, grow it, protect it, and design your path to work-optional. 34 pages plus the toolkit that runs it.
Instant download · Lifetime updates · 30-day money-back guarantee
Free download
Start with the Freedom Number Calculator
Enter four numbers and see your Freedom Number, your progress today, and your years-to-freedom — with a 30-year compounding projection. A free Excel tool, in your inbox in seconds.
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What's inside
A complete system, not a stack of tips
Know Your Numbers
Net worth as your scoreboard, the 30-day leak review, a budget that survives bad months, and your debt-payoff method.
Make It Automatic
Pay yourself first, the payday pipeline, sinking funds, and the habits that quietly raise your credit score.
Grow It
Why saving alone loses to inflation, compound interest, index funds explained like to a friend, and tax-advantaged accounts (US & Canada).
Protect It
The insurance you actually need, beneficiaries and basics, lifestyle-inflation defense, and the seven most common mistakes.
Design Freedom
Earning more, negotiation, side income, your Freedom Number, milestones, and the 30-day action plan.
Included toolkit
The guide teaches. The tools run it.
Net Worth & Cash-Flow Tracker
Your scoreboard and leak-finder — assets, debts, monthly trend, and where the money actually goes.
Freedom Number Calculator
Your 25× target, progress, and years-to-freedom, computed live.
Automation Map
The payday pipeline worksheet from Part II, printable.
30-Day Action Plan
The guide's finale as a working checklist.
This is for you if…
- You earn a normal income and want a system that finally sticks
- You're tired of budgeting apps that track everything and change nothing
- You want to understand investing without the jargon — and start
Honestly, skip it if…
- You want stock picks or a get-rich-quick angle — there are none here
- You need personalized financial advice — this is education, not a licensed advisor
- You won't do the 15-minute net worth exercise in Week 1 — the system starts there
2% of every sale— automatically — delivers drinking water and food to families in Brazil's drought-affected Sertão. Your purchase is part of that.
Questions
Straight answers
Starter or Complete — which one?
Starter ($15) is the 34-page guide alone. Complete ($97) adds the four tools that run the system — the tracker, calculator, automation map, and action plan — plus lifetime updates to everything. Start with Starter to test the waters; upgrade anytime.
Is this financial advice?
No. It's financial education — clear, practical, and honest about rules that differ by country (US and Canada are both covered). For decisions specific to your situation, talk to a licensed professional.
What if it isn't for me?
30-day money-back guarantee through Gumroad, no questions asked. You keep the free calculator either way.
One good decision, designed.
Instant download. Lifetime updates. 30-day money-back guarantee — if it doesn't earn its price, you get it back.
Prefer to start small? The Starter edition (guide only) is $15 on the same page — upgrade anytime.