If you're serious about building wealth, you'll need the right attitude and the right tools.

This model is intended to help you gain the financial literacy required. It is very simple
because building wealth is very simple - in concept.

The formats used in this workbook are straightforward and useful as a starting point
for organizing personal finances for most people. You can enter your data directly into
the worksheets or use them as a guide to create your own worksheets.

No warranty is expressed or implied about their suitability to your situation, and we

suggest obtaining professional accounting advice if your situation is complex or
uncertain.

Start Here
 Start Here

Copyright 2007 - 2009 by ROI-Team, Inc. All rights reserved.

How Your Money Works for You
Your Name Name
First Year 2009
Plan Date 31-Dec-08

Income
Income
- - Job
Job
- - Bank
BankInterest
Interest
- - Stock
StockDividends
Dividends Assets
Assets Liabilities
Liabilities Someone
- - Inheritance - - Stocks - - Mortgage Someone
Inheritance Stocks Mortgage Else's
- - etc.
etc. - - Bonds - Car Payments Else's
Bonds - Car Payments Wealth
- - Mutual
MutualFunds
Funds - - Credit
CreditCard
CardDebt
Debt Wealth
- - Real
RealEstate - - etc.
Estate etc.
Expenses - - etc.
Expenses etc.
- - Housing
Housing
- - Food
Food
- - Utilities
Utilities Excess
Equity
Equity
This
- - Transportation Thisisisyour
yourNet
NetWorth,
Excess
Transportation Worth,
- Taxes equal to Assets minus
- Taxes equal to Assets minus
- etc. Liabilities
- etc. Liabilities

373723274.xls Intro 12/05/2017 19:29:21

Name Plan: 31-Dec-08 Income Plan - 10 Year Trac
Full Year -
Income 2009 2010 2011 2012 2013
Employment 12,000 15,000 25,000 28,000 35,000
Job 2 15,000 10,000
Job 3
Job 4
Stocks
Certificates of Deposit
Bonds
Mutual Funds
Other
Other

Planned Income 27,000 15,000 25,000 28,000 45,000

Expenses
Housing 12,000 12,000 12,000 12,000 12,000
Food 2,500 2,500 2,500 2,500 2,500
Clothing 1,000 1,000 1,000 1,000 1,000
Utilities 2,000 2,000 2,000 2,000 2,000
Medical 500 500 500 500 500
Entertainment 1,000 1,000 1,000 1,000 1,000
Taxes 5,400 3,000 5,000 5,600 9,000
Other
Other
Other

Planned Expenses 24,400 22,000 24,000 24,600 28,000

Planned Net Cash Flow 2,600 (7,000) 1,000 3,400 17,000

Cumulative Cash Flow 2,600 (4,400) (3,400) - 17,000

Summary
Planned Salaries/Wages 27,000 15,000 25,000 28,000 45,000
Planned Other Income - - - - -

373723274.xls I Plan 12/05/2017 19:29:21

Name
Income Plan - 10 Year Track

Income 2014 2015 2016 2017 2018

Employment 45,000 47,250 49,613 52,093 54,698
Job 2 15,000 15,750 16,538 17,364 18,233
Job 3
Job 4
Stocks 100 130 169 220
Certificates of Deposit
Bonds
Mutual Funds
Other
Other

Planned Income 60,000 63,100 66,280 69,627 73,150

Expenses
Housing 12,000 24,000 24,000 24,000 24,000
Food 2,500 3,500 3,675 3,859 4,052
Clothing 1,000 2,000 2,100 2,205 2,315
Utilities 2,000 3,000 3,150 3,308 3,473
Medical 500 1,000 1,050 1,103 1,158
Entertainment 1,000 2,500 2,625 2,756 2,894
Taxes 12,000 12,620 13,256 13,925 14,630
Other
Other
Other

Planned Expenses 31,000 48,620 49,856 51,155 52,522

Planned Net Cash Flow 29,000 14,480 16,424 18,471 20,629

Cumulative Cash Flow 46,000 60,480 76,904 95,375 116,004

Summary
Planned Salaries/Wages 60,000 63,000 66,150 69,458 72,930
Planned Other Income - 100 130 169 220

373723274.xls I Plan 12/05/2017 19:29:21

Name

Income
Employment
Job 2
Job 3
Job 4
Stocks
Certificates of Deposit
Bonds
Mutual Funds
Other
Other

Planned Income

Expenses
Housing
Food
Clothing
Utilities
Medical
Entertainment
Taxes
Other
Other
Other

Planned Expenses

Planned Net Cash Flow

Cumulative Cash Flow

Summary
Planned Salaries/Wages
Planned Other Income

373723274.xls I Plan 12/05/2017 19:29:21

Name Actual - Year End Income Actual Record - 10
Full Year -
Income 2009 2010 2011 2012 2013
Employment
Job 2
Job 3
Job 4
Stocks
Certificates of Deposit
Bonds
Mutual Funds
Other
Other

Actual Income - - - - -

Expenses
Housing
Food
Clothing
Utilities
Medical
Entertainment
Taxes
Other
Other
Other

Actual Expenses - - - - -

Actual Net Cash Flow - - - - -

Cumulative Cash Flow - - - - -

Summary
Actual Salaries/Wages - - - - -
Actual Other Income - - - - -

373723274.xls Income 12/05/2017 19:29:21

Name
Income Actual Record - 10 Year Track

Income 2014 2015 2016 2017 2018

Employment
Job 2
Job 3
Job 4
Stocks
Certificates of Deposit
Bonds
Mutual Funds
Other
Other

Actual Income - - - - -

Expenses
Housing
Food
Clothing
Utilities
Medical
Entertainment
Taxes
Other
Other
Other

Actual Expenses - - - - -

Actual Net Cash Flow - - - - -

Cumulative Cash Flow - - - - -

Summary
Actual Salaries/Wages - - - - -
Actual Other Income - - - - -

373723274.xls Income 12/05/2017 19:29:21

Name

Income
Employment
Job 2
Job 3
Job 4
Stocks
Certificates of Deposit
Bonds
Mutual Funds
Other
Other

Actual Income

Expenses
Housing
Food
Clothing
Utilities
Medical
Entertainment
Taxes
Other
Other
Other

Actual Expenses

Actual Net Cash Flow

Cumulative Cash Flow

Summary
Actual Salaries/Wages
Actual Other Income

373723274.xls Income 12/05/2017 19:29:21

 Income History

80,000

70,000 Actual Income

Actual Expenses
Actual Net Cash
60,000 Flow
Planned Income
50,000 Planned Expenses

40,000

30,000

20,000

10,000

-
2009

2010

2011

2012

2013

2014

2015

2016

2017

2018
(10,000)

(20,000)

373723274.xls I Chart 12/05/2017 19:29:21

 Wealth Track

80,000

70,000 Actual Net Cash Flow

Actual Salaries/Wages
60,000 Actual Other Income
50,000 Planned Net Cash Flow
Planned Salaries/Wages
40,000 Planned Other Income
30,000

20,000

10,000

-
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
(10,000)

(20,000)
140,000

120,000 Planned Net Worth

100,000 Actual Net Worth

80,000

60,000

40,000

20,000

-
09 10 11 12 13 14 15 16 17 18
20
(20,000) 20 20 20 20 20 20 20 20 20
(40,000)

373723274.xls Wealth 12/05/2017 19:29:22

Name Plan: 31-Dec-08 Planned Balance Sheet - 10
December 31 of -
Assets 2009 2010 2011 2012 2013
Cash
Savings 1,000 1,000 1,000 1,000 1,000
Checking
Other
Stocks
Certificates of Deposit
Bonds
Mutual Funds
Prepaid Insurance
Other
Other

Total Current Assets 1,000 1,000 1,000 1,000 1,000

Home
Second Home
Personal Property
Automobiles
Other
Other
Other
Other
Other
Loans to Others
Retirement Accounts
IRA
401k/Profit Sharing
Other Tax Deferred

Planned Assets 1,000 1,000 1,000 1,000 1,000

Liabilities
Automobile Loans 1,000 3,000 6,000 9,000 12,000
Credit Card Debt
Housing Line of Credit
Other Loans Outstanding 10,000 10,000 10,000 10,000 10,000

Total Current Liabilities 11,000 13,000 16,000 19,000 22,000

Home Mortgage
Other Notes Payable
Other Long-term Debt

Planned Liabilities 11,000 13,000 16,000 19,000 22,000

Planned Net Worth (10,000) (12,000) (15,000) (18,000) (21,000)

373723274.xls B Plan 12/05/2017 19:29:22

Total Liabilities & Net Worth 1,000 1,000 1,000 1,000 1,000

373723274.xls B Plan 12/05/2017 19:29:22

Name
Planned Balance Sheet - 10 Year Track

Assets 2014 2015 2016 2017 2018

Cash
Savings 1,500 1,575 1,654 1,736 1,823
Checking
Other
Stocks 1,200 5,320 9,852 14,837
Certificates of Deposit
Bonds
Mutual Funds
Prepaid Insurance
Other
Other

Total Current Assets 1,500 2,775 6,974 11,588 16,660

Home 350,000 360,500 371,315 382,454

Second Home
Personal Property
Automobiles
Other
Other
Other
Other
Other
Loans to Others
Retirement Accounts
IRA
401k/Profit Sharing
Other Tax Deferred

Planned Assets 1,500 352,775 367,474 382,903 399,115

Liabilities
Automobile Loans
Credit Card Debt
Housing Line of Credit
Other Loans Outstanding

Total Current Liabilities - - - - -

Home Mortgage 300,000 291,000 282,270 273,802

Other Notes Payable
Other Long-term Debt

Planned Liabilities - 300,000 291,000 282,270 273,802

Planned Net Worth 1,500 52,775 76,474 100,633 125,313

373723274.xls B Plan 12/05/2017 19:29:22

Total Liabilities & Net Worth 1,500 352,775 367,474 382,903 399,115

373723274.xls B Plan 12/05/2017 19:29:22

Name

Assets
Cash
Savings
Checking
Other
Stocks
Certificates of Deposit
Bonds
Mutual Funds
Prepaid Insurance
Other
Other

Total Current Assets

Home
Second Home
Personal Property
Automobiles
Other
Other
Other
Other
Other
Loans to Others
Retirement Accounts
IRA
401k/Profit Sharing
Other Tax Deferred

Planned Assets

Liabilities
Automobile Loans
Credit Card Debt
Housing Line of Credit
Other Loans Outstanding

Total Current Liabilities

Home Mortgage
Other Notes Payable
Other Long-term Debt

Planned Liabilities

Planned Net Worth

373723274.xls B Plan 12/05/2017 19:29:22

Name Actual - Year End Actual Balance Record - 10
December 31 of -
Assets 2009 2010 2011 2012 2013
Cash
Savings
Checking
Other
Stocks
Certificates of Deposit
Bonds
Mutual Funds
Prepaid Insurance
Other
Other

Total Current Assets - - - - -

Home
Second Home
Personal Property
Automobiles
Other
Other
Other
Other
Other
Loans to Others
Retirement Accounts
IRA
401k/Profit Sharing
Other Tax Deferred

Total Assets - - - - -

Liabilities
Automobile Loans
Credit Card Debt
Housing Line of Credit
Other Loans Outstanding

Total Current Liabilities - - - - -

Home Mortgage
Other Notes Payable
Other Long-term Debt

Total Liabilities - - - - -

Actual Net Worth - - - - -

373723274.xls Balance 12/05/2017 19:29:22

Total Liabilities & Net Worth - - - - -

373723274.xls Balance 12/05/2017 19:29:22

Name
Actual Balance Record - 10 Year Track

Assets 2014 2015 2016 2017 2018

Cash
Savings
Checking
Other
Stocks
Certificates of Deposit
Bonds
Mutual Funds
Prepaid Insurance
Other
Other

Total Current Assets - - - - -

Home
Second Home
Personal Property
Automobiles
Other
Other
Other
Other
Other
Loans to Others
Retirement Accounts
IRA
401k/Profit Sharing
Other Tax Deferred

Total Assets - - - - -

Liabilities
Automobile Loans
Credit Card Debt
Housing Line of Credit
Other Loans Outstanding

Total Current Liabilities - - - - -

Home Mortgage
Other Notes Payable
Other Long-term Debt

Total Liabilities - - - - -

Actual Net Worth - - - - -

373723274.xls Balance 12/05/2017 19:29:22

Total Liabilities & Net Worth - - - - -

373723274.xls Balance 12/05/2017 19:29:22

Name

Assets
Cash
Savings
Checking
Other
Stocks
Certificates of Deposit
Bonds
Mutual Funds
Prepaid Insurance
Other
Other

Total Current Assets

Home
Second Home
Personal Property
Automobiles
Other
Other
Other
Other
Other
Loans to Others
Retirement Accounts
IRA
401k/Profit Sharing
Other Tax Deferred

Total Assets

Liabilities
Automobile Loans
Credit Card Debt
Housing Line of Credit
Other Loans Outstanding

Total Current Liabilities

Home Mortgage
Other Notes Payable
Other Long-term Debt

Total Liabilities

Actual Net Worth

373723274.xls Balance 12/05/2017 19:29:22

 Balance Sheet Summary

450,000

400,000 Actual Net Worth

Total Assets
350,000 Planned Net
Worth
Planned Assets
300,000

250,000

200,000

150,000

100,000

50,000

-
0 09 1 0
0 11 1 2 1 3 1 4 1 5 1 6 1 7 1 8
(50,000)
2 20 2 20 20 20 20 20 20 20

373723274.xls B Chart 12/05/2017 19:29:22

Name Plan: 31-Dec-08 Actual Cash Flo
Full Year -
Where it came from 2009 2010 2011 2012 2013
Annual salaries & wages 27,000 15,000 25,000 28,000 45,000
Annual Other Income - - - - -
Sale of assets - - - - -
Increase in liabilities 11,000 2,000 3,000 3,000 3,000

Total from sources 38,000 17,000 28,000 31,000 48,000

Where it went
Annual expenses 24,400 22,000 24,000 24,600 28,000
Purchase of assets 1,000 - - - -
Paid off liabilities - - - - -

Total to uses 25,400 22,000 24,000 24,600 28,000

Net Cash 12,600 (5,000) 4,000 6,400 20,000

Cumulative Net Cash 12,600 7,600 11,600 18,000 38,000

373723274.xls C Plan 12/05/2017 19:29:22

Name Actual Cash Flow - 10 Year Track

Where it came from 2014 2015 2016 2017 2018

Annual salaries & wages 60,000 63,000 66,150 69,458 72,930
Annual Other Income - 100 130 169 220
Sale of assets - - - - -
Increase in liabilities - 300,000 - - -

Total from sources 60,000 363,100 66,280 69,627 73,150

Where it went
Annual expenses 31,000 48,620 49,856 51,155 52,522
Purchase of assets 500 351,275 14,699 15,430 16,211
Paid off liabilities 22,000 - 9,000 8,730 8,468

Total to uses 53,500 399,895 73,555 75,315 77,201

Net Cash 6,500 (36,795) (7,275) (5,688) (4,051)

Cumulative Net Cash 44,500 7,705 430 (5,258) (9,309)

373723274.xls C Plan 12/05/2017 19:29:22

Name

Where it came from

Annual salaries & wages
Annual Other Income
Sale of assets
Increase in liabilities

Total from sources

Where it went
Annual expenses
Purchase of assets
Paid off liabilities

Total to uses

Net Cash
Cumulative Net Cash

373723274.xls C Plan 12/05/2017 19:29:22

Name Actual - Full Year Actual Cash Flo
Full Year -
Where it came from 2009 2010 2011 2012 2013
Annual salaries & wages - - - - -
Annual Other Income - - - - -
Sale of assets - - - - -
Increase in liabilities - - - - -

Total from sources - - - - -

Where it went
Annual expenses - - - - -
Purchase of assets - - - - -
Paid off liabilities - - - - -

Total to uses - - - - -

Net Cash - - - - -
Cumulative Net Cash - - - - -

373723274.xls Cash 12/05/2017 19:29:22

Name Actual Cash Flow - 10 Year Track

Where it came from 2014 2015 2016 2017 2018

Annual salaries & wages - - - - -
Annual Other Income - - - - -
Sale of assets - - - - -
Increase in liabilities - - - - -

Total from sources - - - - -

Where it went
Annual expenses - - - - -
Purchase of assets - - - - -
Paid off liabilities - - - - -

Total to uses - - - - -

Net Cash - - - - -
Cumulative Net Cash - - - - -

373723274.xls Cash 12/05/2017 19:29:22

Name

Where it came from

Annual salaries & wages
Annual Other Income
Sale of assets
Increase in liabilities

Total from sources

Where it went
Annual expenses
Purchase of assets
Paid off liabilities

Total to uses

Net Cash
Cumulative Net Cash

373723274.xls Cash 12/05/2017 19:29:22