The free guide is the doctrine. This file is the install.

One workbook. Pipes already named. 10-step stand-up and 7-account roster. Monthly Margin Tracker (housing 30% cap, vehicle 10% cap, Next Dollar order). Debt Triage from APR and variable Y/N. Liquid net worth (house and daily driver off the sheet). SAMPLE tab already filled.

Margin is the fuel. Debt Triage is the kill list. Net Worth is the scoreboard. Priorities of Work: Shield → Tier 1 → Fortress → growth.

Download the .xlsx. Stay in Excel, or upload once to Google Sheets. Do not bounce it between the two.

For heads of household who want the system standing this week. Not a trading plan. Not get-rich-quick. If you will not audit your actual numbers, skip it.

$15. One time. You are buying the cockpit so you do not spend days on a blank grid.

30-day refund: if you actually run the stand-up and it does not give you a clearer picture of your finances and a plan, I will refund you.