There is money left after the bills, and every option seems to want it first. Without a fixed order, the same decision gets made again every month and rarely the same way twice.
The Next-Dollar Playbook gives you a fixed order for what your next dollar can do, filled in from your own numbers, with the math shown on every step. It covers 8 rungs, from staying current and a buffer, through a workplace match and high-rate debt, to goals and more. With 10 worksheets and 3 stories, you work out your next-dollar number, which is what is left after must-pays, and build a rung-by-rung order along with the reasons you might change it. You need a pencil, a calculator and the last month of statements. There are no apps, no products and no account links in its 43 printable pages.
It is for anyone deciding what their next dollar should do who wants the reasoning written down.
Digital download (PDF). Educational only, not financial advice. Examples are hypothetical.