12 Steps Companion Workbook, Phase 3: Build a Legacy

With consumer debt gone, it’s time to balance the long-term goals. This fillable workbook covers Steps 9–12 of 12 Steps to Eliminate Debt and Build Wealth: retirement, college, health care in later life, and a paid-off home.
 
What’s inside
Your 15% retirement plan, and a way to split your monthly surplus across four goals
A college plan for each child, with a 529 tracker and a transfer plan
The HSA worst-case test, setup, and a yearly tracker
A mortgage payoff plan, plus the 4% math on why a paid-off home matters in retirement
An annual review, a net worth tracker, and a legacy page with a letter to your family
 
Works on its own. It opens with a quick check that Phases 1 and 2 are in place and a page to record your current five numbers.
 
Details
17-page fillable PDF, US Letter size
Type on screen in Adobe Acrobat Reader, Mac Preview, or your web browser, or print it and use a pencil
Instant download after purchase
 
For education only; not legal, tax, insurance, or investment advice.