🏆 Everything in the First-Year Homeowner System, plus the advanced modules most homeowners learn by expensive trial and error.

📦 WHAT’S ADDED

🔨 Renovate Without Regret — scope, real budgets with contingency, change-order discipline, the final-payment leverage play. Includes the full Renovation Project Tracker (6 tabs)

🛡️ Insurance Mastery — read your policy in 20 minutes, the two riders worth buying, the 48-hour claim playbook

🧾 Capital Improvements and Cost Basis — the record worth real money at the closing table years from now, that almost nobody starts early enough

📈 Value and Equity Tracking — including the month you can cancel PMI

🧰 The Advanced Toolkit workbook — insurance command centre, capital improvements, value and equity

⏳ WHY START THE BASIS RECORD NOW

Capital improvements raise your cost basis when you sell — but improvements you can’t document generally can’t be counted. You can’t build that record the week you list.

⚠️ Not tax, legal, insurance or financial advice. Basis and disclosure rules vary by jurisdiction.