Money & Big Decisions · A first financial plan
Where next month's $650 goes, and what it becomes by 40
26 years old, a $650 monthly surplus for the first time, and no idea what a 401k versus a Roth even is.
The brief, verbatim
I'm 26 and for the first time my life runs a surplus — about $650 a month. I understand nothing: 401k versus Roth, index funds, why everyone screams about fees. I don't want a lecture, I want to be armed: the plan for my exact numbers, the explanation that makes me the person who gets it, and the whole thing designed like something from a bank that would never have me as a client yet — the first serious financial document I've ever owned, one that makes me act like the person it was made for. Where the first $650 goes next month, and what I'll have at 40 if I just don't stop.
What the room did
Twelve pages built for the exact numbers: where next month's $650 goes, the explanation that makes its owner the person who gets it, and what it becomes by 40 if the contributions simply don't stop. The private projection calculator runs in any browser without a number leaving the device, and the working Excel model shows where every figure comes from.
The deliverable
Build your own
You have a surplus for the first time. Brief the studio in plain English and watch a room of specialists arm you.
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