The 12 Steps

The plan inside the app walks twelve steps in this order. Each line is the app's own one-sentence promise for that step. A step with a link has its own page here; the rest are coming.

1. MindsetPay yourself first, and let small leaks add up the right way.
2. Goal SettingName it, price it, date it, then fund it automatically.
3. Debt ManagementAttack the expensive balances first, with a plan you can keep.
4. InvestingCollect as many Roth dollars as you can over your lifetime.
5. InsuranceOwn term insurance you control, and never let anyone sell you insurance as an investment.
6. Home OwnershipBuy on your timeline, with the numbers, not the market mood.
7. Retirement PlanningKnow what your retirement rests on, then work the levers you control.
8. Tax PlanningWorry about the lifetime tax bill, not this year's.
9. Employment and CareerAdvance on purpose, and decide now what every raise does.
10. Estate PlanningA will, a trust if you qualify, and beneficiaries that match your intent.
11. Family PlanningMarriage, a new child, or a divorce reshapes your whole financial picture.
12. GivingGive generously, and let the tax code help you do more of it.

This page is education, not individualized investment, tax, legal or insurance advice. It names no products, funds or allocations and carries no client stories. Where a document or a policy is needed, an estate attorney or a licensed insurance agent is the person who prepares it. Avidity Capital Inc. drafts no legal documents and receives no commission or referral fee from insurance, estate attorneys, mortgage lenders or real estate agents. Its compensation is the member's subscription and, for members who choose it, an advisory fee for managing assets; see Form CRS and Form ADV Part 2A. Avidity Capital Inc. is a registered investment adviser.