FREE TO DOWNLOAD, FREE TO KEEP
Resources
These are some of the worksheets and tools I use in the Smart Money Series. Use them to explore a topic, ask better questions, check what you learn, and make your own decisions. No email, no sign up, no catch. Take what is useful, and if something raises a question, that is exactly what the free call is for.
Not sure where to start? The Budget & Net Worth Workbook helps you see where you are today. The Savings Growth and Opportunity Cost calculators let you explore where different choices could take you over time.
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The Rule of 72
A simple formula that makes compound growth easier to understand. Why money doubles, how fast, and what the same math does to a credit card, a student loan, and cash sitting in a savings account.
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Budget & Net Worth Workbook
Track your spending, build a monthly budget, plan for the year and measure your net worth. Designed to help you to manage money on your own.
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Opportunity Cost Calculator
What is this habit really costing me? Enter an amount, your age, and an age to compare against. It does the rest, year by year.
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Sports Betting: Keep it Entertainment
Set your own limits before you place a bet, and see what those same dollars could have turned into instead.
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Savings Growth Calculator
What could my saving turn into? Pick an amount you can set aside and see what it grows to, or name a goal and work backwards to what it would take each month.
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What Could One Dollar Become?
How much could $1 invested today grow to by age 67? See how the answer changes depending on when you start and the rate of return, and why starting early matters more than starting big.
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Big Purchases: Look Beyond the Payment
Thinking about a car or another big purchase? Add up what it will really cost, see whether it fits your budget, and explore what choosing a less expensive option could free up.
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Could This Fool You?
Three real scams that fooled real people. Decide what you would do, then turn the page to see what happened and the one habit that could have helped prevent all three.
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Look Beyond the Salary
Got a job offer? The salary is only part of what you’re being paid. Use this checklist to find the rest, from the retirement match to health insurance and time off, so you know what you’re really being offered.
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Benefits Words to Know
Offer letters and benefit plans have their own vocabulary (premium, deductible, vesting, exempt). Here are simple, clear explanations of the terms you’ll see, so you can read the fine print with confidence. Pairs with Look Beyond the Salary.
Everything here is financial education, not financial, investment, tax or legal advice. Downloading or using a resource does not make you a client of The 72 Project and does not create an advisory or fiduciary relationship of any kind. Free to download, print and share for personal and classroom use, kept intact and credited. Not for resale.
A note on these resources
Microsoft Excel is recommended but not required to download the file. The workbook may also open in other compatible spreadsheet programs, although formatting, dropdowns, protection, formulas and other features may vary.
The 72 Project does not receive or collect anything you enter. Your information remains wherever you choose to save the file, such as your device or cloud account. Store completed files securely, and do not enter account numbers, passwords, Social Security numbers or other sensitive identifiers.
For spreadsheet downloads
Questions about any of these?
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