My Money Blueprint™
Your personalized plan for financial stability and long-term wealth.
Each step of the My Money Blueprint™ builds upon the last — creating a clear, prioritized roadmap for your money. From emergency savings to long-term investments, every dollar is directed with purpose.
Think of it as your personal hierarchy of wealth: secure the base, eliminate risk, and then let your money compound toward freedom.
The 11-Step Blueprint
Follow this proven sequence to establish security, crush debt, and accelerate investments.
Starter Emergency Fund
($1,000)
Why: Life happens. Your first $1,000 prevents small shocks from sending you back into debt.
Who: Anyone just starting out or rebuilding after debt.
Goal: Build quickly in a high-yield savings account.
401(k) Up To Employer Match
Why: Employer matches are free money. Skipping them leaves salary on the table.
Who: Anyone with access to a match in a workplace plan.
Goal: Contribute enough to capture the full match.
Full Emergency Fund
(3-12 Months)
Why: Protects against job loss or large financial surprises; reduces stress.
Who: Anyone with income who wants stability.
Goal: Keep separate in an easy-access HYSA.
Pay Down High-Interest Debt
(>7% Interest)
Why: Rates above 7–8% destroy wealth faster than markets grow.
Who: Anyone with credit cards or high-APR loans.
Goal: Use Snowball or Avalanche to pay off.
Max Out HSA
(If Eligible)
Why: Triple tax advantage: deductible in, tax-free growth, tax-free medical withdrawals.
Who: People with eligible high-deductible health plans.
Goal: Contribute up to the annual IRS limit.
Max Out Roth IRA
Why: Tax-free growth and withdrawals in retirement.
Who: Eligible earners; high earners via backdoor Roth.
Goal: Contribute up to the annual limit.
Maximize 401(k)
Why: Lower taxable income and accelerate retirement savings.
Who: Anyone with a 401(k), especially mid-career earners.
Goal: Push to the IRS max contribution.
Mega Backdoor Roth
(If Available)
Why: Allows massive tax-free growth via after-tax 401(k) → Roth conversions.
Who: High earners with 401(k) plans supporting after-tax contributions & conversions.
Goal: Use only if your plan supports it.
Taxable Brokerage Account
Why: Flexible investing with no contribution limits.
Who: Investors seeking additional growth after maxing tax-advantaged accounts.
Goal: Automate contributions into index funds/ETFs.
Mortgage Pay-Down / Real Estate
Why: Choose between guaranteed return (paydown) or growth (property income).
Who: Homeowners or investors ready for property.
Goal: Pick the path aligned with your goals.
Advanced Wealth & Legacy Planning
Why: Build for others: education, estate planning, charity.
Who: Families and long-term planners.
Goal: Explore 529s, donor-advised funds, estate planning.
Ready for Your Personalized Blueprint?
We'll recap your income, debts, and accounts; build a custom payoff and savings roadmap; project investment growth; and deliver a 12-week automation plan.