What you get
Six sections. Built for action.
Each section is a real decision. Real account names, real fund tickers, real dollar amounts based on your inputs. No corporate hedging, no disclaimers padding the page.
Your situation at a glance
Two or three honest sentences. What you actually have, where you actually stand, the single biggest opportunity or risk in your specific numbers. No motivational fluff.
The first move
The highest-leverage action for your first 30 days. Named account, named institution, exact dollar amount. If you inherited brokerage assets, this is usually where we explain the stepped-up cost basis — most young inheritors never learn it and it's worth tens of thousands.
Killing the debt
Skipped if you have none. Otherwise — every debt named, ordered by interest rate, exact amount of the inheritance going to each, how many months of interest you save. Credit card balances over $2,000 get paid this week.
How to invest it
Specific fund tickers (FZROX, VTSAX, VTI, VUSXX, SGOV). Specific account types (Roth IRA, HSA, taxable brokerage). Where to open them (Fidelity, Vanguard, Schwab). One-line projection of what this allocation compounds to by age 45.
The mistake most people make
One warning tailored to YOUR risk tolerance, age, and numbers. Not generic. Quantified — e.g. "leaving 30% in cash 'just for now' costs ~$60,000 by age 45."
Your next 3 steps
Numbered. Concrete. Dollar-specific. Time-bound ("this week" / "by Friday" / "before April 15"). Designed so you could check them off.
A real sample
What your plan
actually reads like.
This is an excerpt from a real generated plan for a 27-year-old who inherited $120,000 with $4,200 of credit card debt. Yours will read just as specifically, calibrated to your numbers.
01. Your situation at a glance
You're in a strong position. $120k at 27, a stable income, and one credit card balance that's manageable but worth killing fast. The instinct most people in your shoes have — invest aggressively — is half right. Here's the cleaner play.
02. The first move
Before anything else, open a high-yield savings account at Marcus or Ally and park $18,000 there. That's your six-month emergency fund — non-negotiable, untouchable. It will earn ~4% APY while it sits. Then open a Roth IRA at Fidelity and max it for the year ($7,000) before April.
03. What to do with the debt
Pay your $4,200 credit card balance in full this week. At 22% APR, every month you carry it costs you more than your inheritance will earn invested. This is the single highest-return move…
When you're ready
See what yours
actually says.
Ten minutes to fill the form, $29 once, plan in your inbox by the time you close the tab.
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