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Introduction

The Annual Financial Checklist

Week 1: Optimize credit cards—build credit, crush fees, and leverage rewards responsibly.

Sub‑Module 1: Credit snapshot

Sub‑Module 2: Autopay and dates

Sub‑Module 3: Fee kill switch

Sub‑Module 4: APR and limit optimization

Sub‑Module 5: Rewards stacker

Sub‑Module 6: Perks activation

Sub‑Module 7: Debt triage (if applicable)

Sub‑Module 8: New card decision (optional)

Sub‑Module 9: Reporting hygiene

Sub‑Module 10: Dispute and documentation system

Sub‑Module 11: Travel playbook (optional advanced)

Sub‑Module 12: Score growth plan (90 days)

Week 2: Beat the banks—open high‑interest, low‑hassle accounts and negotiate like a pro.

Sub‑module 1: Account criteria

Sub‑module 2: Open core accounts

Sub‑module 3: Automation flow

Sub‑module 4: Overdraft and fee prevention

Sub‑module 5: Negotiation mastery

Sub‑module 6: Switching plan

Sub‑module 7: High‑interest savings in practice

Sub‑module 8: Checks, debit, and ATM strategy

Sub‑module 9: Documentation and disputes

Week 3: Get ready to invest—open a 401(k) and Roth IRA (even with $50) and climb the “Ladder of Personal Finance.”

Sub‑module 1: Ladder orientation

Sub‑module 2: 401(k) quick‑start

Sub‑module 3: Roth IRA setup (even with $50)

Sub‑module 4: investment choice made simple

Sub‑module 5: debt checkpoint (Rung 2)

Sub‑module 6: automate the cashflow

Sub‑module 7: HSA (Rung 5) readiness

Sub‑module 8: rollovers and consolidations

Sub‑module 9: beneficiary, paperwork, and records

Sub‑module 10: behavior and scripts

Sub‑module 11: milestones and metrics

Week 4: Conscious spending—spend extravagantly on what you love, cut costs mercilessly on what you don’t (no tedious budgets).

Sub-module 1: Mindset reset

Sub-module 2: Fast spend audit (no budget)

Sub-module 3: Build the plan (4 buckets)

Sub-module 4: Cut costs via Big Wins

Sub-module 5: Spend extravagantly (guilt-free)

Sub-module 6: Weekly 30-minute maintenance

Week 5: Automation—set up an Automatic Money Flow so bills, saving, and investing happen by default.

Sub-module 1: Cash-flow map

Sub-module 2: Account architecture

Sub-module 3: Paycheck routing

Sub-module 4: Bill autopay

Sub-module 5: Savings and investing automation

Sub-module 6: Credit cards and debt

Sub-module 7: Date choreography

Sub-module 8: Variable income and freelancers

Sub-module 9: Joint finances and shared bills

Sub-module 10: Testing and fail-safes

Sub-module 11: Security and hygiene

Sub-module 12: Optimization and tune-ups

Week 6: Simple portfolios—choose low‑cost, long‑term investments that beat typical Wall Street portfolios with less effort.

Sub‑module 1: Principles and plan

Sub‑module 2: Choose a simple model

Sub‑module 3: Implement and automate

Sub‑module 4: Tune‑ups and guardrails

Badge Card

$ (USD)

Financial Restoration

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