Get the picture.
Complete your money snapshot and choose a goal you want your money to support.
My action and date
THE BROKERICHKID PLAYBOOK
BUILD YOUR PLAN.
BUILD YOUR PLAN.
LIVE YOUR WAY.
Know your numbers. Back your ambitions. Make room for a good time. Your free workbook for turning the life you want into a plan you can work on.
FREE TO USE. YOURS TO MAKE YOUR OWN.
Put your plans
Put your plans
on paper.
A bigger income. A financial buffer. A trip with your name on it. Whatever you’re working towards, this is a place to connect your money to the life you want.
Work through the six chapters with a notebook, or print the worksheets and fill them in. Use what fits your circumstances, then bring your next moves together in a 30-day plan.
Keep it somewhere you’ll come back to. A good plan gets more useful as you put it to work.
01 / YOUR STARTING POINT
Know your
Know your
numbers.
Big plans get clearer when you can see what you’re working with. Gather your payslips, bills, and recent transactions, and put the main numbers in one place.
Use monthly take-home amounts. Include irregular costs, such as annual bills, by allowing for them across the year. If your income changes, note the range and work from an amount you can reasonably rely on.
Look at what’s left after your commitments. Where could you free up money? What would more income make possible?
EXPLORE THE BUDGET CALCULATORYour money snapshot
Monthly take-home income
Essential spending and regular commitments
Debts: balances, rates, and monthly repayments
Savings available now
One expense I want to review
02 / MORE ROOM TO CHOOSE
Build your
Build your
backup.
A cash buffer gives you something to turn to when life changes the plan. An unexpected repair. A gap between jobs. A bill you didn’t see coming.
Choose a target based on your essential costs, responsibilities, and how reliable your income is. Set a first milestone and work out what you can regularly put towards it. Keep emergency money accessible when you need it.
Look at the whole picture before deciding what comes first. Overdue essentials and high-interest debt may need priority alongside building that reserve.
READ THE CASH BUFFER GUIDEMoney in reserve
Costs or situations I want a buffer to cover
My first milestone, and the target beyond it
What I can set aside, and how often
Where I’ll keep it accessible
Other commitments I need to factor in
03 / BACK YOUR AMBITION
Grow your
Grow your
earning power.
Your skills, ideas, and experience could have more to give. Think about a better-paid role, a pay conversation, a service people need, or a business idea worth testing.
Pick an opportunity and get specific. Who needs what you can offer? What would it take to deliver it? What would be left after the costs, time, and any tax obligations?
Give yourself a way to test the idea and a point to review it. A conversation, a sample of your work, or a first customer can tell you what deserves more of your time.
FIND EARNING IDEASYour earning opportunity
A skill or opportunity I want to pursue
The person, employer, or customer it could help
How I’ll test it this month
Time and money I’m prepared to commit
What would make it worth pursuing further?
04 / BUILD FOR THE FUTURE
Think beyond
Think beyond
payday.
Investing gives your money a role in your longer-term plans. Start with what you want it to help you achieve and when you might need access to it.
Learn how risk, diversification, fees, and time affect your options. Investments can fall in value, and returns aren’t guaranteed. Money you need soon may call for a different approach from money intended for years ahead.
Before committing, understand what you’d own, what it costs, and what could go wrong. Consider your debts, cash reserves, and ability to handle losses as part of that decision.
EXPLORE THE INVESTING BASICSQuestions before commitments
A future goal I’d like my money to support
When I might need that money
Risks and costs I need to understand
One concept I’ll learn next
A reliable source I’ll use to check my understanding
05 / LIVE RICH ALONG THE WAY
Make room for
Make room for
a good time.
The dinner you’ll talk about next week. A trip you’ve wanted to take for years. An afternoon with your favourite people and nowhere else to be.
Put the things you value into the plan. Work out what they cost, what you can afford alongside your commitments, and where a little planning could make your money go further.
Some plans need saving for. Others just need a date in the calendar. Choose something you can enjoy now and something you’re excited to work towards.
FIND WAYS TO LIVE RICHYour version of a good time
Three things I want more of in my life
Something I can plan this month, and its budget
A bigger experience I want to save for
06 / FROM IDEAS TO ACTION
Your next 30 days.
Bring the useful ideas together. Give each week a focus, choose an action, and put a date beside it. Adjust the pace to fit your responsibilities and the goal you’re working towards.
Make some room.
Review an expense, plan a savings contribution, or take the first step on your earning idea.
My action and date
Build your knowledge.
Explore one investing concept or money question. Write down what it means for your plans.
My action and date
Review. Enjoy. Repeat.
Look at what changed, make room for something you enjoy, and choose what comes next.
My action and date
At the end of the month
What worked, and what needs adjusting?
My next move, and when I’ll make it
KEEP BUILDING YOUR VERSION OF RICH
A plan worth
A plan worth
coming back to.
Keep the parts that work. Adjust the ones that don’t. As your income, priorities, and opportunities change, give your plan room to change with them.
For more ideas to put into practice, explore the Journal or join the Rich Life Club. There’s a lot of life to build. And plenty to enjoy along the way.