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DOWNLOAD GOOGLE TEMPLATE DOWNLOAD EXCEL TEMPLATE Do you ever wonder where your money goes each month? A household budget will allow you to tell your money where you want it to go, making it one of the most effective financial tools available. Even still, only 41% of Americans use a budget.  Regardless of your income, […]

veteran tips

Using an Excel spreadsheet may seem a little old-fashioned, but it is still one of the best tools in helping you make – and stick with – a budget. The Excel budget template takes something that can appear intimidating at first, and makes it simple for anyone to get started. Because getting started is often […]

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COPY GOOGLE SHEETS MONTHLY TEMPLATE COPY GOOGLE SHEETS ANNUAL TEMPLATE Budgeting doesn’t need to be complicated and it doesn’t take more math than simple addition and subtraction. This template is a great starting point for the uninitiated budgeters out there and a good way to start fresh for any wary veterans. Here are a few […]

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As parents, you are responsible for the upbringing of your children. You influence their behavior, their interests, their decisions, and so much more. Yet, one area that often gets overlooked is teaching your kids about money. The truth is your kids will learn to manage money from someone. That could be intentional lessons you provide […]

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Simple savings calculator You can experiment with savings goals and timing using our simplified interactive calculator. Over time, the US stock market has returned 6-7%. Completely “risk-free” returns as of this writing are between 2.5-3% for 1-5 year CDs and bonds. These interest rates should give you some idea what to try for your savings […]

veteran tips

Free budget planner Here’s a free tool that helps you get started with budgeting, but don’t get down if you don’t know the exact numbers. Try to get in the ball park now and fix the numbers as you gain experience with your spending and expenses. It’s always OK to change the budget and be […]

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You can also use the calculator in full screen. Free budget calculator This is a great place to get started visualizing and understanding your monthly budget. It isn’t important to make the most complete or the best budget possible the first time out. It’s critical to just get started. Getting started with budgeting We have […]

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If you’re not sure what Monte Carlo is, please checkout our explanation in part one. Otherwise, please proceed after downloading the simple Excel template this article explains.   This model is intended more as a vehicle for understanding the ins and outs of how it works and less as a ready made retirement calculator. Please […]

We want to offer a conceptual understanding here of Monte Carlo simulations so that you know why someone might use them and how you should feel about them when receiving decision making advice based on this type of model. Why should you care about Monte Carlo simulations? If you’re involved in finance, retirement planning, project […]