worksheets

Financial Principles Worksheet

What is the single most important part of a financial plan? It's not the investments or the numbers—it's the core principles that guide every decision.

Most of us confuse our goals (the "what") with our principles (the "why"). But without a stable foundation of "why," a plan is just a list of tactics that can crumble under pressure.

We created a simple, guided worksheet to help you uncover your personal financial principles—the anchors for your "Living Constitution". It’s an act of educational generosity that provides foundational clarity and helps you make decisions with confidence.

Download the free worksheet and discover your financial North Star.

My_Financial_Principles_Worksheet

My_Financial_Principles_Worksheet.pdf

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Investment Scorecard

As an engineer turned financial planner, I've observed countless complex systems that promise efficiency, only to underdeliver when the foundational metrics are flawed. The same often applies to how we measure investment success. Many traditional metrics offer a flattering but misleading picture, leaving us chasing abstract "highest

Beyond Returns: The Constitutional Scorecard for Your Financial Success

Throughout this series, we've carefully taken apart the idea of "return" to understand what it truly means. We’ve looked beyond the surface numbers to consider the impact of inflation, taxes, and risk. Now, in our final installment, we’ll perform the most important task of

Are You a Good Investor, or Do You Have a Good Investment? A Tale of Two Returns

In our previous post in this series, we explored the difference between arithmetic and geometric average returns, highlighting how the order of returns matters. Today, we take that concept a step further to resolve one of the most common—and often frustrating—contradictions in personal finance: the gap between how

The Deceptive Average: Why Volatility Skews Your 'Average' Investment Return

Have you ever looked at your investment statements and felt a sense of disconnect? On one hand, you calculate the "average" annual return over a few years and it looks pretty good. But when you look at your actual account balance, the growth doesn't seem to

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Investment Scorecard

Beyond Returns: The Constitutional Scorecard for Your Financial Success

Are You a Good Investor, or Do You Have a Good Investment? A Tale of Two Returns

The Deceptive Average: Why Volatility Skews Your 'Average' Investment Return