Free Guide
Build Your Own Financial Operating System
A two-layer system built for people with variable income, multiple accounts, and real financial goals. Not generic budgeting advice.
Your spreadsheet, owned by you — never on someone else's server.
AI prompts that turn your data into real decisions — not vague suggestions.
Tested in ChatGPT and Claude — every prompt works in both before it ships.
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Built by someone climbing the same ladder.
I went from $9K in 2016 as a broke personal trainer to nearly $295K in 2025 in enterprise tech sales. Married, two young kids, one income, HCOL California. Every prompt in these guides is one I built for my own financial life first.
Frequently Asked Questions
Will this work with ChatGPT, Claude, or Gemini?
Yes. Every prompt is tested against ChatGPT and Claude before it ships. Gemini works too, though I write to the first two. Free tiers of any of them are fine for what you'll do here.
Do I need to know spreadsheets?
No. The whole point is that the AI builds the spreadsheet for you. If you can copy a prompt, paste it into a chat window, and copy the result into a Google Sheet, you have everything you need. The guides include screenshots of every step.
What's in the full guide?
The free starter has the first three prompts: Net Worth, Savings Rate, and FI Number. Enough to build the foundation in 30 minutes.
The full guide adds seven more: Coast FI projection (when the portfolio self-funds), Full FI projection (when you can actually retire), Fat FI projection (when spending could double safely), savings-rate diagnostics, bridge account math for retiring before 59.5, scenario stress tests, and customization prompts for your specific situation.
What's coming next?
Three guides in this first series. Net Worth + FI Tracker is first. Single-Income Family Budget comes next. Annual Investment Stack Planner closes out the series. All three together is the full operating system. Get on the list and you'll hear about each one as it drops, plus a discount code for the bundle.
After the bundle, a fourth standalone guide for variable-comp earners (Commission Check Allocation) ships separately.
