For freelancers, contractors & solo business owners
Every employee gets a system handed to them: withholding, an auto-enrolled 401(k), a match. You get the same tax code and none of the defaults, plus an irregular deposit schedule and a quiet suspicion that you're doing this wrong. You're not bad with money. You've never had the whole picture in front of you.
The spreadsheet that puts your income, spending, assets and debts on one screen — plus a seat at the next live class, where we go through what to do about what you find.
Sound familiar?
TLDR: W-2 employees get a system handed to them — withholding, auto-enrolled 401(k), matched contributions, a benefits portal. The default settings do the saving for them. Self-employed people get the same tax code and none of the defaults. Every single move has to be made on purpose. That's the whole gap. It is not a discipline problem.
The actual diagnosis
People buy the car, book the trip, or skip the retirement contribution without ever seeing their whole picture at once. Then the anxiety of "am I behind?" pushes them toward the fast fix — the hot stock, the coin, the parlay, the course that promises 10x.
The fast fix is the expensive one. Boring and early beats brilliant and late, every time. But you can't be methodical about a picture you've never actually looked at.
The method
Three steps, in this order. Most people try to skip to step three, buy an index fund with whatever's left over at the end of the month, and wonder why nothing compounds.
Everything you own, everything you owe, what actually came in and what actually went out — on one screen. This is a personal financial statement, the same thing a lender or an investor would build about you. Most people have never seen their own.
Now the leaks are obvious: the duplicate subscriptions, the $340 of "small" food delivery, the insurance you've outgrown, the interest on a card you could've killed last year. Cut the fat you won't miss — not the stuff that makes life good.
Route the recovered money automatically — tax reserve first, then emergency fund, then the retirement account you've been meaning to open — on the day money lands, not whatever's left at month end. Then stop touching it.
Step one, free
A spreadsheet, not an app. You download three months of transactions from your bank, paste three columns, and it sorts the rest. No bank login, no subscription, no startup quietly selling your spending data.
Works in Excel or Google Sheets. Setup takes about 25 minutes.
Mission Control — sample
Illustrative figures. Your copy fills in from your own transactions.
Step two, also free
Live, jargon-free, and specifically for people with irregular income. We walk through the three places self-employed money disappears, what to do about each one this week, and the full menu of investment vehicles available to you — so the "shiny object" stuff stops looking like your only option.
The tax leak — the money that was never yours, spent anyway.
The lifestyle leak — the slow ratchet that eats every raise you give yourself.
The idle leak — cash sitting still while inflation does its thing.
Next session: [add date] · Replay sent to everyone who registers.
The program
Eight weeks to a money setup that runs itself — built around the fact that your income is lumpy, your taxes are your own problem, and nobody is enrolling you in anything.
You want the system and you'll run it yourself.
You want someone looking at your actual numbers.
Your situation is genuinely complicated.
Every tier opens the same way: the free Playbook and the free class. Nobody buys anything before they've seen their own numbers once.
What's inside
Everything you own and owe on one screen. Your real starting line, no judgment attached.
Three months of transactions, sorted. We name every leak in dollars per year, not per latte.
Turning lumpy deposits into a predictable paycheck — the single biggest change most people make.
What percentage, which account, which day. Quarterlies stop being an ambush.
Interest rate first, ranked. Your actual debt-free date, and what each extra $100 buys you.
Solo 401(k), SEP, SIMPLE, traditional and Roth IRA, HSA, brokerage, I-bonds. What each is for and in what order to fill them.
The transfer rules that move money the day it lands. Build it once; it runs without you.
A written rule for what you will and won't put money into — decided calmly now, so a bad month can't decide it for you.
This is for you if
This is not for you if
Who's teaching this
[Your bio goes here: credential, years in practice, how many returns/clients, and the moment you realized the problem wasn't tax knowledge — it was that nobody could see their own money.]
I've spent my career inside other people's finances. The pattern is always the same: smart, capable, hard-working people making avoidable decisions because nobody ever showed them the whole picture. Then the anxiety of being behind pushes them toward something risky to catch up fast. I'd rather get to you before that.
Results
[Testimonial slot 1 — ideally someone who found a specific dollar amount of monthly leakage.]
— Name, what they do[Testimonial slot 2 — ideally someone who opened their first retirement account.]
— Name, what they do[Testimonial slot 3 — ideally someone who stopped a risky-bet habit.]
— Name, what they doQuestions
No. This is education and a system for seeing your own numbers. I'm a tax professional, not a licensed investment adviser — I'll teach you what the vehicles are and how they work, and I won't tell you what to buy. Decisions stay yours, and for anything complex you should talk to a fiduciary adviser.
That's the entire reason it exists. Budgeting advice written for a steady paycheck falls apart on irregular income. Week 3 is specifically about turning lumpy deposits into a predictable salary you pay yourself.
No. You download a CSV from your bank and paste three columns. Nothing connects to anything, and nobody sees your data but you.
Late is better than never by an enormous margin, and the math is less grim than the feeling. The first thing we do is replace the vague dread with an actual number — which is almost always less scary than what you'd been imagining.
About 25 minutes to set up the Playbook, then 60–90 minutes a week during the program. After it's built, maintaining it is roughly 15 minutes a month.
[Your refund policy — e.g. full refund within 14 days, no questions.]
Twenty-five minutes with the free Playbook and you'll know your net worth, your real monthly cash flow, and the three biggest leaks. Whatever you do next, do it with the picture in front of you.
Get the Prosperity Playbook — free