Personal Information
Let's start with basic information
We are using your age only for long range projections and planning
Let's talk about Your Home
This helps us understand what you're working with
WHEN YOU BOUGHT YOUR HOME
(Month / Year is fine)
We'll always base the plan on your current mortgage β not past versions.
(An estimate is okay)
(The amount you borrowed when you bought the home)
(Most are 30 years)
WHERE THE LOAN STANDS TODAY
(Current balance - you can find this on your statement)
(You can find this on your mortgage statement)
Option 1: Check your most recent mortgage statement - it's usually listed as "Interest Rate" or "Note Rate"
Option 2: If you can't find it, enter your total payment above and we'll estimate it based on your balance
YOUR MONTHLY PAYMENT
(The amount that leaves your account each month)
Most mortgages include escrow - check your statement if unsure
HOME VALUE
(Estimate is fine - think Zillow/Redfin value)
Let's Verify Your Mortgage Numbers
We ran a quick check based on your inputs. Here's what we found.
Your Monthly Household Income
(this helps us see what fuel is available for your Payoff Power)
π‘ Pay Timing (for cashflow mapping)
This helps us time your debt payoffs with your paychecks β the secret to the strategy.
Quick check β does this look right?
(This doesn't need to be perfect - just close enough to model your options.)
Secured & Structured Debt
Vehicle loans
Personal Loans
We don't need details - just the numbers that affect your monthly cash flow.
Credit Cards & Revolving Balances
This is just an inventory - not a judgement
Monthly Expenses
Everyday living expenses (separate from your mortgage and loans)
(Electric, gas, water & trash)
(Internet, mobile, streaming packages, cable)
(Fuel, maintenance, transit - not payments)
(Auto, life, umbrella, other)
(Medical, prescriptions, gym, therapy)
(Hobbies, activities, fun stuff)
(Kid's expenses, school, child support, etc)
(Haircuts, clothing, personal items)
(only include your regular giving)
Here's what we think your month looks like...
Does anything feel off? Now's the time to catch it.
This monthly margin is what we use to build your payoff plan
If it feels close to real life - we're ready to go.
We're going to model your plan using smart, conservative defaults.
(You can always tune assumptions later with a coach, if you choose.)
(Let's take a look at what this unlocks)
YOUR ZERO DEBT SNAPSHOT
(This is the clarity of the right sequence)
