WealthLanding

The 20s Money
Playbook

The Master Action Kit

This workbook belongs to:

Start Date:

Step 1 of 5

The Foundation Builder

Part 1: The 50/30/20 Math

My Monthly Take-Home Pay (After Taxes):

$

50% Needs

$

30% Wants

$

20% Savings

$

Part 2: The $1k Sprint Checklist

Opened a High-Yield Savings Account (HYSA) I used an online bank to keep this money separate from checking.

Subscription Audit Completed I canceled at least 1 unused subscription and redirected that cash.

My Target Date to hit $1,000:

Step 2 of 5

The Debt Destroyer Matrix

1. The Debt Inventory

Creditor Name	Balance	Rate (%)	Min Pay

2. Choose Your Strategy

The Debt Snowball Attack lowest balance first.

The Debt Avalanche Attack highest interest first.

My Commitment

My Target Debt for this month is .

I am paying the minimums on everything else, and applying $ EXTRA toward this target debt each month.

Step 3 of 5

The Autopilot Savings System

1. Calculate Your "Burn Rate"

Rent / Mortgage: $

Basic Groceries: $

Utilities / Insurance: $

Debt Minimums: $

Total Monthly Burn: $

2. Your Safety Net Goal

Target (3 Months)

$

Target (6 Months)

$

3. The Automation Checklist

Configured the "Pay Yourself First" Transfer I scheduled an automatic transfer of $ to my HYSA on every payday.

Step 4 of 5

First Investment Checklist

1. The 401(k) Match Finder

My employer matches % of my contributions.

I am contributing % of my salary to secure the free money.

2. Roth IRA Setup

Brokerage Chosen I opened an account at a low-fee brokerage. My brokerage:

3. The "Don't Leave It In Cash" Check

Moving money into a Roth IRA is only step one. The money sits in cash until you instruct the brokerage to buy investments.

I Bought The Fund I used the cash to buy an Index Fund or Target Date Fund. Ticker purchased:

Step 5 of 5

The Income & Armor Audit

1. The "Brag Document" Outline

Document your specific value for your next salary negotiation.

A. How I made the company money (or hit KPI goals):

B. How I saved the company money or time:

2. Skill Stacking

My primary career skill is:
An adjacent skill I can learn in 6 months to multiply my value is:

3. The Armor Checklist

Renter's Insurance Active I have a policy to cover theft, fire, or apartment damage.

Disability Insurance Verified I checked my HR benefits for Short/Long Term Disability coverage.