ALICIA INVESTS / FOR MONEY THAT FEELS STRETCHED

Know where your money goes. Choose your next move.

I’m Alicia. If the bills get paid but you still wonder where your money went, let’s make the costs visible and find one clear next step.

A practical 12-chapter guide in PDF and editable Word, a 16-tab workbook for Excel or Google Sheets, and scripts, checklists and printable tools. The complete collection is $27, one payment.

Try the free tools first. No account or email needed. Or take the two-minute money check-up

From Alicia Invests on YouTube, 105,000+ subscribers

Alicia holding a playbook with a calm, friendly shh gesture.

Let’s start where you are.

The cover of the Playbook.

There’s no shame and no rush here. We’ll take it one decision at a time.

A LITTLE CONVERSATION

Come sit with me for a moment.

Before we get to everything in the pack, this is how I’d like us to approach it.

One clear step is enough to begin.

Turn down the noise

First, let’s turn down the noise.

There is a lot of money advice out there. I don’t want to add to the feeling that you should already have everything figured out. We can start with what is in front of you.

Know your numbers

Then we’ll look at your numbers.

We’ll put a few real costs on the page. No guessing what everybody else is doing. Just your money, your priorities and one decision you want to understand better.

Build your rhythm

And find a rhythm you can keep.

Maybe that’s a ten-minute check-in on Sunday, or one question you finally ask your card company. Small, repeatable steps are the kind of progress I want the book and tools to help you make.

Take a look inside

A free two-minute check-up

Where are you right now?

Eight quick questions. There are no wrong answers, and nothing you choose leaves this page. At the end you get a short plan and the chapters to start with.

Alicia smiling.
Answer for how things are today. That’s where a good plan starts.

What you’ll get

  • Where you are right now
  • Three next steps
  • Chapters to start with
  • Your first chapter, opened for you
01When you check your bank balance, how do you usually feel?
02Do you know roughly what your regular bills add up to each month?
03If a $500 surprise bill arrived tomorrow, you would…
04How well do you know your subscriptions and memberships?
05Apart from a mortgage, how does debt feel right now?
06What usually happens on payday?
07Is there a big money decision coming in the next year?
08Which sounds most like your life right now?

What you get

A year of real decisions, worked through.

Each chapter takes one ordinary money decision and works it through: why it matters, what it costs, what to say and what to do next. Then you bring it back to your own numbers in the workbook.

Alicia gesturing toward the collection with an open hand.

The Playbook

Twelve months, twelve decisions.

Twelve connected chapters, from recurring costs to first investments. Every chapter includes a worked situation, Alicia’s reasoning, the math, a toolkit of tips, setups and scripts, and a version for your situation.

12 chapters / PDF + Word

The Workbook

Your numbers, worked out for you.

The 16-tab workbook, for Excel or Google Sheets, brings together calculators, planning pages, an automatic Debt Schedule, a Dashboard and an Annual Review. Enter your own numbers in the yellow input cells.

Excel + Google Sheets

Scripts + practical tools

What to say and what to do next.

76 reusable scripts from the chapters, twelve monthly checklists and twelve decision guides, with printable pages for your weekly and yearly routines.

Scripts, checklists, decision guides

INSIDE EVERY CHAPTER

A worked decision / The reasoning / The math / Words to use / Your next step

Your collection, at a glance

PDF + editable Word book / 16-tab workbook for Excel and Google Sheets / printable companions / six phone wallpapers

  • The Quiet Wealth Playbook

    The full twelve-chapter practical guide, with worked examples, explanations, calculations and next steps. PDF and editable Word editions.

  • The Quiet Wealth Workbook

    16 tabs for Excel or Google Sheets, including calculators, a Dashboard, the 30-Day Plan, 52-Week Tracker and Annual Review.

  • Monthly Checklist Pack

    Twelve one-page checklists drawn from the chapters, with space for your next action.

  • The Scripts Library

    76 scripts drawn from the twelve chapters for bills, cancellations, debt, raises, rent and everyday conversations.

  • Decision Guides

    Twelve one-page decision guides from the chapters, with yes and no routes to a next action.

  • 52-Week Tracker

    A ten-minute weekly check-in for the whole year.

  • Quick Start Guide

    What to do in your first seven days.

  • Money Date Kit

    A monthly money meeting for couples and families.

    Bonus
  • Annual Money Review

    Close out the year and plan the next.

    Bonus
  • Phone Wallpapers

    Six illustrated lock screens of Alicia with her money rules.

    Bonus
  • Reset Kit

    A seven-step reset for when your routine slips, with No Longer Worth It prompts.

    Bonus
If you already watch my videos, what does the book add?

The book puts the explanation beside worked numbers, usable scripts and a checklist. You can keep the pages open while making your own decision.

  • The channelThe pack
  • A lower card rateUnderstand why it can be worth asking.Follow Jess through the call, the words she uses and what she does next in Chapter 5.
  • A car that breaks downLook beyond the monthly payment.Sit with the repair, lease and replacement choices in Chapter 7. See why the smallest payment is not the whole answer.
  • An ordinary paydayLearn the idea of a money routine.Follow the accounts, timing and everyday complications of putting a system into practice in Chapter 3.
  • A year, not one decisionExplore one topic at a time.Follow the same two worked examples as earlier choices meet the next month’s surprises, so you can see how one decision shapes the next.
  • An idea you can checkStart with the explanation in a video.Every chapter lists its sources with dates, and a “Since this video” note shows what has changed since the video came out.

The complete collection

Regular price $37 $27 launch price

One payment. All eleven resources in PDF, Word, Excel and Google Sheets.

FROM A CHARGE TO A CHOICE

See what one decision looks like.

A phone plan is familiar. The useful part is learning how to work through the choice, and what to do with the answer.

01 / UNDERSTAND IT

Read the reasoning.

Chapter 2 helps you review the charges you stopped noticing. Keep what earns its place. Compare what could cost less. Check the terms before you cancel.

Read the chapter excerpt →
02 / USE YOUR NUMBERS

Make the difference visible.

This is the No Longer Worth It tab from the workbook. Its starter phone plan compares $85 with $35: a modeled $50 a month, or $600 across a year.

Actual Excel workbook rows showing a phone plan of 85 dollars, a downgraded cost of 35 dollars, and a modeled reduction of 50 dollars monthly or 600 dollars yearly.See the workbook tab ↗
03 / TAKE ONE STEP

Try a different choice.

$50 less per month · $600 across a year

Ask your provider: “Can you offer a lower-cost plan that meets my needs? What changes, fees or contract terms should I check?”

Illustrative comparison. Twelve unchanged monthly payments; excludes switching fees. A result is not money saved until the payment actually changes. Your inputs stay on this page.

Use the free Leak Hunt with more costs →

FROM THE BOOK

Read the first chapter.

Chapter 1 starts with what you already own and what it keeps costing you, then moves on to getting every debt onto one page. Read the opening pages before you decide.

Read the chapter excerpt

An excerpt from Chapter 1, shown as easy reading text. The designed page layout is in the book files.

How the worked examples are used

Jess and Tanya are composite characters. Their stories draw on real situations people have shared, with names and details changed. They teach the approach and are not customer testimonials or promises of results.

The examples show how the reasoning changes with different circumstances. Your own numbers belong in the workbook.

EVERYTHING COSTS TWICE

“I’m paying rent for my ex’s couch.”

Jess, Chapter 1 · composite teaching character

Read the first few paragraphs

There's a moment I watch happen to almost everyone who gets serious about money. They stop looking at their bank account for the answer and start looking around the room they are sitting in.

Most of us were taught that money leaves when we buy something. You pay, the receipt prints, the transaction is over. That's only half the story. Everything you own keeps charging you after you bring it home. It takes up space you pay rent on. It needs cleaning, fixing, insuring, storing and eventually throwing away. And every dollar sitting inside it is a dollar that is not growing anywhere else.

Everything you own costs money twice: once when you buy it, and again for as long as you keep it.

Continue into the chapter
THE QUIET WEALTH PLAYBOOK / CHAPTER 1 EXCERPT

LET’S OPEN THE CHAPTERS

A year of decisions. One chapter at a time.

Pick a chapter that catches your eye. I’ll show you the question we’ll work through together.

Chapter 01 of 12

Everything Costs Twice

What are the things you already own still costing you? Price your space, run the replacement test, and get every debt onto one page.

ONE USEFUL FIRST STEP

List three things you would not buy again.

In the kit: Costs Twice; Net Worth

There is a place to begin, wherever you are.

MAKE A LITTLE ROOM FOR YOUR LIFE

What feels closest to your situation?

The main worked examples follow tight budgets. Each chapter also adapts that month for higher earners, couples and families, readers 50 and over, and irregular incomes, and the calculators use your own numbers.

Your situation can change. You can return to a different part of the book when it does.

Start with the essentials and adapt each month to the room you have in your budget.

Alicia with a hand at her chin, thinking it through.

LET’S TRY SOMETHING SMALL

Let’s find the quiet leaks.

Tap the costs you pay for, then change the amounts to match your own bills. You’ll see what they add up to in a year, and decide what to keep, ask about or cancel.

Alicia gesturing toward the Leak Hunt with an open hand.

Tap what you pay for

Free, about five minutes. Nothing you enter leaves your browser.

Tap what you pay for Starting amounts are only examples.

Watching and listening
Phone and tech
Everyday life
Car
Fees and charges

Your list

Example list to start with. Tap any cost to add or remove it, and change the amounts to match your bills.

    Across one year$0
    Marked to ask about$0
    Marked to cancel$0

    Amounts to look at, not a promise of savings.

    Your action list

      Explore the Chapter 2 walkthrough

      Free website starter tool. Keep using it whenever you need it. Chapter 2 explains the full approach.

      A little closer

      A look at the real pages.

      Three pages from the paid collection. Below them are three free website pages you can print today, with no account or email.

      The Quiet Wealth Playbook cover, with Alicia holding an open notebook, navy and gold type, and a cream background.

      The book you will read.

      The cover of the book you download, supplied as a PDF and an editable Word book.

      A typeset interior page from the Quiet Wealth Playbook.

      An explanation you can work through.

      An interior page from Chapter 1, with the practical reasoning and your next step.

      A printable monthly checklist from the Quiet Wealth collection.

      A page for your own next step.

      A page from the twelve-month checklist pack. The free website printables below stay available too.

      SOMETHING YOU CAN USE TODAY

      A few pages for your own next step.

      Keep a little space for your numbers, a difficult conversation, or your next check-in. These free website tools are separate from the chapter sample.

      These are free pages written for the website, separate from the paid pack.

      ALICIA INVESTS / FREE WEBSITE EXAMPLE

      Put recurring costs in one place.

      Start with three costs you recognize. You do not have to make every decision today.

      1. Write down the cost and how often you pay it.
      2. Multiply monthly costs by 12, weekly costs by 52, and yearly costs by 1.
      3. Mark each one: keep, review, or unsure.
      4. Choose one cost to investigate. Check the terms before making a change.

      A clear list comes before a decision.

      Open printable

      ALICIA INVESTS / FREE WEBSITE EXAMPLE

      Ask a clearer question about a bill.

      A simple starting point for a conversation with a service provider.

      Hello. I am reviewing my recurring bills. Could you explain my current plan, any extra fees and the lower-cost options available? Before I change anything, please confirm the total price, what I would lose and whether there is a contract or cancellation fee.
      1. Have the current bill beside you.
      2. Write down the total offered price and any conditions.
      3. Ask for the details in writing before deciding.

      A question starts the conversation. It does not guarantee a discount.

      Open printable

      ALICIA INVESTS / FREE WEBSITE EXAMPLE

      Give yourself a ten-minute check-in.

      A small routine to keep the next few days visible.

      1. Check the balances you actually have available.
      2. List the bills due in the next seven days.
      3. Review one unexpected or recurring cost.
      4. Write one next action and when you will do it.

      Your next action: __________________________

      Open printable

      USE SOMETHING HELPFUL TODAY

      The free tools stay free.

      The Money Check-up, Leak Hunt and three printable pages are here whenever you need them. No account or email. What you enter in the tools stays in your browser.

      Find a starting point

      WHEN YOU WANT TO GO FURTHER

      The collection gives you the fuller method.

      Twelve chapters with explanations, worked numbers and ways to adapt them. An editable workbook for Excel or Google Sheets, 76 reusable scripts, checklists and companions to keep.

      Read the opening pages

      WHERE I’D BEGIN

      Start with the decision closest to you.

      You can follow the year in order, or begin with the decision that feels closest to home.

      Alicia sitting on a stool with a laptop and a cup of coffee.
      1. 01

        Read the first chapter.

        Chapter 1 starts with what you already own and what it keeps costing you. Read the excerpt, then use the chapter dial to look at the year ahead.

      2. 02

        Find a decision that feels familiar.

        A repair, an awkward call or the next payday. Use the chapter dial to see where your own questions fit.

      3. 03

        Bring it back to your own life.

        The check-up, the Leak Hunt and the three printables on this page stay free, with no email needed. The Playbook adds the full chapter for each decision, plus the workbook, scripts, checklists and decision guides, for $27.

      A note from Alicia

      If you leave this page with one cost written down or one question you feel ready to ask, that is a useful start. I want the Playbook to feel like that too: a calm conversation, with something practical to do next.
      Alicia smiling.

      Your next chapter

      Everything for the year, in one download.

      Alicia holding The Quiet Wealth Playbook. The designed cover is shown.

      The cover of the Playbook.

      The complete digital collection

      The Quiet Wealth Playbook, complete pack

      Regular price $37 launch price

      $27USD
      One payment. All eleven resources.

      Get the Playbook

      7-day refund policy

      Educational content only. Not personal financial, legal or tax advice.

      Everything in the collection

      • 248pages
      • 16workbook tabs
      • 76scripts
      • 12checklists
      • 12decision guides
      • The Quiet Wealth PlaybookThe 248-page book as a designed PDF plus an editable Word copy. Twelve chapters, one for each month, and the Worth Knowing appendix.
      • The Quiet Wealth WorkbookSixteen tabs that do the math for you, in Excel or Google Sheets: your debt-free date, the true cost of a car, your emergency fund, your net worth and more.
      • Monthly Checklist PackOne page for each month, so you always know your next few steps.
      • The Scripts LibraryWord-for-word lines for calling your card company, asking for a raise, negotiating rent and saying a kind no.
      • Decision GuidesYes-or-no flowcharts for questions like repair or replace, rent or buy, and whether to use your emergency fund.
      • 52-Week TrackerA ten-minute weekly check-in for the whole year.
      • Quick Start GuideSeven short first steps for your first week.
      • Money Date Kit BonusA calm monthly money meeting for couples and families.
      • Annual Money Review BonusClose out your year and plan the next one.
      • Phone Wallpapers BonusSix illustrated lock screens of Alicia, each with one of her money rules.
      • Reset Kit BonusA seven-step way back in for when your routine slips.
      If it does not work for you.

      Email aliciainvestsus@gmail.com with your order number within 7 days of purchase and tell me what you tried and what did not work. If a file will not open or something is missing, we fix that first. One refund per customer, and refunds are for people who used the Playbook and it did not help. The full Refund Policy has the details. Read the refund policy

      From the comments

      What viewers say about the videos.

      A few comments left on Alicia Invests videos on YouTube, shown as they were written.

      My goodness Alicia. Thank you for this video. I seriously feel like you're directly speaking to me . Im 47, few jobs with saving, but nothing consistent to make a true difference in my retirement account. Now in a new phase of life with a son going to college im still working, felt somewhat defeated and overwhelmed, however this video here gives me HOPE with a gps. Love all the examples. Helps me to see myself in another light. Bookmarking so I can always listen to as a reminder. You're awesome!
      @melissa3407 · On The Proven Path From Broke to Quiet Millionaire (If You're Behind, Watch This!)

      Hello Alicia. I’m commenting from Lagos, Nigeria. I’ve been binge-watching most of your videos and would like to tell you that they have been very helpful and impactful. I’m halfway through the mark and very confident that before the year runs out, I will have reached the finish line. When you said that “idle money” helps you create calm, steadiness and a spine, I felt it. I hollered because that’s what’s happening to me too. I have become much more disciplined with my finances that my friends have set up a speaking engagement this month for me to come talk about it. I’m excited to share all I’ve learnt and looking forward to it. IMAGINE ME!! Your work on here is relevant. Please don’t stop and God bless you real good.

      13

      Really appreciate this video. It helped me realize I’m currently doing better than I thought, even when it feels like I’m behind. It also helped me reframe how I feel about my past choices between the ages of 18 and 30 (The guilt is real!). Many of those choices were about survival, limited financial literacy, and earning power while putting myself through college and paying rent, not failure (i.e., depending on credit cards to buy groceries and other necessities)! Also, thank you for making the point about not comparing finances and lifestyles with others who appear to be better off than you- so true!

      7

      I love your channel! Your Alicia character and presentation is a winner, Excellent info on personal finance, accessible to everybody.. You could branch out into other topics, with Alicia starring in each. Cooking, relationships, home maintenance, job search, navigating university, de-cluttering a home, caring for aging parents, pet care, health care, insurance policies, whatever. We'd all tune in to hear Alicia. Looking forward to much more.

      I want to thank you for all the time you take on your channel to educate us. I recently found this channel, and you have helped me so much already. Am doing things already regarding my finances. Am in my 30s and I know if I make changes now it will help me immensely for the future. Thank you so much for all that you do to help us.

      5

      Hi Alicia. You're doing so much good for this world, God's blessings to you🎉 At age 70, i followed most of your principles for just the past few years, and it's made a world of difference in my life going forward with so much more greater financial confidence and in life overall

      3

      I appreciate this video! I asked and you delivered. Everything you put into perspective is true. I identify in several places in this video. One more request, what about civil/government employees who can’t rely on social security? What would you recommend for someone in their 40s just starting to invest and play catch up to achieve a retirement goal by 60-65.

      99

      Alicia, I binge watched your videos on my days off and took notes. You really encouraged me to change my mindset about where my money goes with the daily saving video in particular. I used to put away several hundred dollars only to reverse and pull from savings when I fell short. I appreciate you making personal finance easier to get.

      1

      I recently called a repairman to service my refrigerator instead of running out to buy another refrigerator. Its sealant was replaced. It should be another 10 years before anything else happens. Plus I asked a lot of questions about appliances they repair often so he told me what not to buy. 👍🏾 This was due to me watching your videos. Plus just planted a few vegetables yesterday. I’m still wearing my scrubs I bought 6 years ago when I started this job.

      I appreciate your channel so much. I'm learning a lot! You break the information down in such a way it's easily digestible. Keep up the great work. I'm starting from your first video now lol. Been watching the videos as they appeared in my feed. Subscribed after watching one video (forgot which one lol). I look forward to seeing the growth you have in the not so distant future.

      3

      I think that you, Alicia, should make a series of financial lesson videos for students, from basic lessons for elementary and middle school students on wants vs. needs, etc., to more advanced lessons for high schoolers, and especially for young people about to launch into the world of work or college. You explain and illustrate things so clearly for adults. A step by step curriculum for young people would be something I would love to share with people in my life. BTW, I was a teacher before I retired, and the best teachers always shared life lessons with students, no matter which subjects we taught.

      14

      Alicia, I truly enjoy your channel and you do a great job in explaining everything. I can see Alicia Invests easily becoming massive in the near future and I hope it does. Please keep it coming but don't burn yourself out. One must have a real life. Take care and God bless.

      9

      Thank You Alicia i am someone who started late in life i will be 50 this upcoming November i just started turning my financial pictures around this past January your information is very valuable i will do the best i can to at least have a decent amount of retirement savings i dont plan to retire until 70 but work part after that Lord Willing! I appreciate you

      12

      Your channel recently came across my feed and I am loving it. The content applies to a wide audience. It hits my lifestyle were I was previously and where I am going. I appreciate your content. I am a new sub and I plan to share with my girls. I will be binge watching.

      5

      Your channel is the best 🎉..I have been watching your videos for a while now . And I realized I been triple charged for the same subscription app. And I was able to get a 10$ loyal customer discount on my bill for a year. I also was able to get a library card in another county to acess free museum access with my son . All thanks to you. Your channel is a huge blessing ❤ ..

      1

      Thank you for taking the time to make these videos. I have learned and I have these accounts set up. I think I am in the frustration phase lol. But more importantly, I am educating myself for my Daughter, she has these tools, and I have started them for her already. I will also teach my hood kids where I am from about these lessons. Thank you.

      What i thought was my number and what it really is are 2 different things. I added up every little expenditure including monthly amounts to save for upcoming bills including food to feed the dogs...lol this was a great lesson in what exactly is needed and what is a luxury. I love the tips I pick up here...thankyou for sharing when used they really do help!

      Am genuinely grateful for this video! My job is new but I have the ability to get pay-rises as I train in each area, every 3-6 months. I work split shifts on a 3-wk rotation so will plan my money minute to align with my wakeup times, also my pay-cycle is bi-weekly but I do get a small weekly side income which I can use for my daily. Will be starting small and increasing as I can, it’s not the amount at first it’s building the habits and growing self-awareness towards my spending. Thank you so much!

      Thank you for this video. I had always been struggling with savings for many years until I discovered, briefly studied kakeibo and have implemented it in my life for almost a year now, but I am still somewhat struggling with my financial management. Thank you again for this enlightening presentation and I have already set my daily money minute alarm to complement my kakeibo! ❤❤❤ ❤❤❤❤

      1

      I’ve recently moved over the summer and was reminded how much STUFF…just STUFF I’ve accumulated and wasted money on! I was disgusted with myself and working on becoming a minimalist. Your vids have done more than just motivate but also put action behind it. Holding myself accountable and moving forward for the better! Thank you Alicia ❤

      13

      Minute 9:12 – That was me until three months ago, when I started to put the advice that this channel provides into practice Now, I have cleared up almost every category except insurance, and I have a small emergency fund. I have also freed up enough money to live without a credit card or overdraft. Every purchase is backed by real money. When I desperately want something, I either wait until I have enough money to buy it, or I sell something😁

      12

      Thanks to your video’s I completely if it comes down to finances and spending/saving money. And I’m even proud at myself that I made the decision to take seriously my finances under control by changing my mindset but also by learning now about economics and finances and of course watching your videos! And I love this new life with books, cooking home made meals at home, quit drinking alcohol which is expensive and bad for our health. I am looking forward to simple things like my cup of tea or when it’s time to eat or when I have time ro read, to paint, to make music etc

      1

      I realized I am already rich! 😊 I do all of them currently successfully or progressively. When I tell people I leave my personal cell phone in the office downstairs, they think I’m crazy and that it is unsafe. Well I do it for the sake of peace of mind and mental health. That’s safe to me. The ones that are still hard for me is to say no to my closed circle … yeah this is hard on me. But I will keep trying. And I would love to stay away from my phone more often. Thanks for this. I really appreciate this video!

      I started following your advice after l started watching 👀 your videos 📹. And it's really helped a great deal. Especially when l went grocery shopping. And l really started to really look at what l was really buying. And the money l saved in the process. As a result really was mind blowing. You gave good advice. And l hope you continue to come out with great content. Because it's been really helpful and beneficial. For all people regardless of their age. There's something for everyone. Keep up the good work.

      1

      Thank you for a great video! I have always made the bed every morning to start my day. Recently, I started lighting a candle in the evenings when I get home and I have noticed a difference in my mood before going to bed. I also stopped buying paper plates and started using my real dishes! I didn’t realize how that simple thing has really impacted my life until this video! 😊

      13

      First! 🥇 I watch these videos religiously and my spending habits have completely changed. My goal now is to decrease the gap between my spending and investing, and I'm happy to say I'm well on my way because of this channel. Thank you so much for sharing this wealth of financial information!

      6

      Your videos are shifting how I see money in the best way. I’ve stopped seeing saving as holding back and started seeing it as building toward my goals. I now save automatically on payday, and it’s made a real difference. I loved your house hacking video. Are there other options you would recommend?

      1

      These comments are about the free YouTube videos. They are not reviews of the Playbook.

      Before you begin

      A few good questions

      Where should I start?

      Start with the free Money Check-up or the Chapter 1 excerpt on this page. In the pack, the Quick Start gives you seven short first steps, each tied to a chapter.

      Is the pack useful if I have debt?

      Debt runs through several chapters. They cover listing every debt, asking for a lower rate, choosing a payoff order and handling medical bills. They also explain how nonprofit credit counseling differs from debt settlement. The material is educational and doesn’t replace advice about your own circumstances.

      Do I need Excel or paid software?

      No. The workbook is an Excel file (.xlsx) that also opens in Apple Numbers, and the download includes a Google Sheets version you can copy into your own free Google account. You type only in the yellow cells, and the first tab walks you through it. The book and printables need no spreadsheet software at all.

      What if my income or situation is different?

      The main examples work through tight budgets. Each chapter also includes adaptations for higher earners, couples and families, readers 50 and over, and irregular income. Use the calculators with your own numbers.

      What is different from watching the channel?

      The videos explore one idea at a time. The book stays with each decision long enough to work it through: the reasoning, the math, the scripts and a version for your situation. Two worked examples carry the year from January to December. You can read the start of Chapter 1 here first.

      How will I receive it?

      Checkout runs through Lemon Squeezy, which handles the payment, any sales tax and your receipt. After one payment of $27, you can download the files straight away, and your email receipt includes the download link.

      What if it is not right for me?

      You can ask for a refund within 7 days of purchase. Email aliciainvestsus@gmail.com with your order number and tell me what you tried and what did not work for you. If a file will not open or something is missing, we fix that first. The Refund Policy explains the rules.

      Alicia walking forward with the Playbook under her arm and a tote bag in her hand.

      One small move, today

      Start where you are.One decision is enough for today.

      You can come back to the tools whenever you need a clearer starting point.

      Get the Playbook for $27

      $27 USD. One payment for the guide, the 16-tab workbook and every companion file.

      One useful page. No signup needed. Keep the free recurring-cost worksheet, bill conversation script and weekly check-in. Print them or save them as PDFs from your browser.

      Open the free worksheet