REAL ESTATE, MORTGAGES & BUSINESSES

Your Prop DescriptionO/O, Rent or Invest.Est. ValueMtg. BalanceMtg. PaymentMtg. % RateRate Adj DateMths to Pay-OffProp TaxesHome InsHOA FeesRent / IncomeExpenses & RepairsNet Cash Flow
Re & Bus Total:ValuesBalancesPaymentsBlendedTotal EquityLTV%TaxesInsuranceHOAIncomeRepairsCash Flow
Owner Occupied Real Estate$1,300,000$2,383,200$2,7883.22%$-1,083,200 183.32%5411003000100-3,829
Investment Real Estate & Business$0$0$00.00%$00.00%000000
Total RE & Business:$1,300,000$2,383,200$2,7883.22%$-1,083,200183.32%5411003000100-3,829

MORTGAGE CALCULATOR

Mortgage Calculator
Calculate: PaymentCalculate: Loan AmountCalculate: Months LeftCalculate: Rate
$0 $000%
Fill-in the white spaces
to calculate the corresponding
variable on the top row.
Rate:Rate:Rate:Months:
MonthsMonthsLoan AmntPresent Loan
Loan AmntPaymentPaymentPayment
0 0 0 0 0

LIQUID AND RETIREMENT ASSETS

Account NamePurposePresent ValueMonthly AdditionsEstimated ROI%Non Retirement Required DateFuture ValueIncome at Retirement
Retirement GoalsNon RE/BusinessTotal ValueAdds/ MonthBlended %RET. LIQUIDITY$362,812$1,510
DaveFixed Income: 1Fixed + Ret. Income
1.Age: Retirement Funds$47,089$1119.06%Fixed Income: 2$5545
2.Inflation: Other NON-RE.$22,623$ 18%Fixed Income: 3 Decisions Net
3.ROI %: Total Liq. Assets$69,712$1128.71%Fixed Income: 4$ -11728
Debt Free Age:Retirement Projections
Personal RE 80.58RE & BUS:Cash FlowEst ROI%Loan BalanceProp ValuesNet Equity
Unsecured Debt 57.17Owner Occupied RE$-3,829$3,595,787$2,378,831$-1,216,956
Investment / RE 4.83Investment RE$0$0$0$0
Vehicle Debt 4.90Tot. RE & Bus Inv:$-3,829$3,595,787$2,378,831$-1,216,956
Liquid + RE & Business >INCOME at Ret: $5,545Total Assets: $-854,144Net Assets: $-854,144

FAMILY

Head of HouseholdCo-Head of Household123456
First Name
Birthdate

INCOME & TAXES

Name of Person Generating IncomeGross Inc. Salary/moBonus and/or CommissionsDeductions for 401k/403b & Corp. Inv. Accts.Corp Contributions to 401k/403b & Corp. Inv. Accts.Total Gr.Income/moHours/Week
(incl. travel/etc)
Weeks/Year
(=52-vaca, etc.)
Pay Rate: $/Hr.
Instructions for MoneyDecoderTotal Income from all sources:$6,000
1. Fill-in White Spaces3. Click "Save" after editing pageInvestment RE Net Cash Flow:$0
2. Click "ADD" to add a new row4. Watch this Video Tutorial: Click HereEarned Income + Inv RE Income:$6,000

HOME INSURANCE

Type Of PolicyMonthly PaymentDetuctible AmountDwelling Cov.Est. Replacement Cost%Personal LiabilityAttach to PropertyProperty CoveragePercent Covered

ORGANIZE MY CREDIT

Enter the COMPLETE ROW for each debt entry made. DO NOT Leave white cells open on any debt entered. RED Interest rates indicate which rates are above your average/blended interest rate %
NumberDebt NameBalancePaymentrateMonth RemainingPayment RemainingMin. Req'd Pmt.Cost Of Payment
1
2
3
Total DebtPmts/MoBlended %Remain. Mos.Total PaymentsInterest to PayAve cost/pmts
Total Unsecured Debt27,3002,25016.53%28.5231,8854,5858.24%

IMPROVE MY CREDIT

Credit BureauExperianTrans-UnionEquifaxMiddle ScoreGet Free ReportConsolidate CreditCorrect ReportCredit CounselingRefinance

SAVE MONEY ON MY CREDIT

"AIR" Debt Elimination
Accelerated
Interest Recovery
Save

Life Time
Payoff Debt

Faster
Change payments by

On a monthly basis
Over 10 years atleast, Save at least

Based on your Investment plan
Pmt. At StartAir BalanceDebt NameBalancePaymentRateMonths RemainingPayment RemainingStartComplete
1,75017,300BofA(Amway)17,3001,75018%10.7818,86515-11-201915-10-2020
2501765Costco/Citi17652,00016.99%0.891,78015-10-202015-11-2020
2503661UBOC36612,25012%1.653,71315-11-202015-01-2021
Start Pmts Total flex
Expense
Flex Acct Minus
Min. Credit. Pmts
+/- Pmts to
AIR Plan
Old Pmts
Per Month
Ols Pmts -
New Pmts
Months Remaining Payments Remaining Less to Bank Less Months
$2,250$275$-1,975$2,250$0 13.32$29,971 $35915.20

MORTGAGE LOAN OPTIONS

Value of PropertyTax, Ins. HOA, PMI & New RentNew Ln. BalanceNew Ln. Int. %Months Remain.New PaymentTot. New PaymtsTot. Payments RemainingMonthly SavingsCost of Paymt.Debt RatioCombined LTV
Loan OptionSavings/moCASH to/fromMonths Paid Off, If I Apply Savings/Mo.Invested Savings During Full Term of New LoanSavings in Total Future PaymentsInvested Savings + Payments SavedBlended %
1$2,771$-1596077.35$4,129,994 $$6.225%
2 $2,683$-1596077.13$3,999,374 $$4.657%
3$2,730$-1596074.60$3,459,831 $$5.221%
Currrent Mortgage Loan(s)Monthly PaymentInterest RateMonths RemainingPay Off Or Keep?Total Mtg. Payments Prior to RefinanceMortgages Paid Off Mtg. Payments After New Loan Cost of Payment Loan to Value
Property ValueTI, HOA, MI, RentBalance
Consumer / Unsecured & Vehicle Debt
Debt (below) is entered/transferred from "Credit" & "Vehicle" Modules
Months
Remaining
Pay Off Or Keep? Total Debt Payments Prior to RefinanceOther Debts Paid OffDebts. Payments After New LoanCost of Payment
1 BofA(Amway)17,30075018% 28.52 21,391000.16%
2 Costco/Citi4,00050016.99% 8.55 4,275000.21%
3 UBOC6,000100012% 6.22 6,218000.10%
2000MPV50001007%59 5,900002.00%
2001VW100002000%0 0002.00%
Total DebtTotal Loan PaymentsBlended RateMonths RemainingTotal Remaining PaymentsTotal Mtg. & Debt Pmts. Prior to RefinanceDebts to Pay Off in LoanTotal Payments After New LoanAve cost of pmts
Totals $477 $296,260 $3,8025.07%338.80$0 $461,963.85 $253,9600692.57%
Monthly IncomeHow Underwriters QUALIFY your Monthly & Annual IncomeAnnual Income
W2 Monthly IncomeQualified W2
Income/Mo.
MONTHLYStub/Mos.Last YearPrev. Year
W2 Job 1$   0
W2 Job 1 Com$   0
W2 job 1 Bonus$   0
Total W2 Job 1$   0$   0$   0$   0
W2 Job 2$   0
W2 Job 2 Com$   0
W2 Job 2 Bonus$   0
Total W2 Job 2$   0$   0$   0$   0
Total W2 Inc.$   0$   0$   0$   0
Total IncomeMONTHLYTOTAL QUALIFIED INCOME
/ MONTH
W2 IncomeSched. C IncomeK-1 Income
$   0$  0$  0$  0
Sched. C Annual Proft + Deprec.Qualified SE
Inc./Mo.
ANNUALLast YearYear BeforeTotal
SE Job 1 Prof0$   0
SE Job 1 Dep0$  0
SE Job 1 Tot000$  0
SE Job 2 Prof0$  0
SE Job2 Dep0$   0
SE Job2 Tot000$  0
SE TOTALS000$  0
K1 Income: S-Corp, LLC, Trust…Qualified K1
Inc./Mo.
ANNUALLast YearYear BeforeTotal
K1 Corp 10$  0
K1 Corp 20$  0
K1 TOTALS000$  0

MANAGER

Paycheck(s)
All Combined Together
$6,000
M
$-14,188
S
$0
F
$-275
T1
$0
T2
$0
Investents
All Combined Together
$0
TRANSFER TO:$ 0
M
S
F
T1
T2
Investments
TRANSFER TO:$0
Paycheck(s)
S
F
T1
T2
Investments
TRANSFER TO:$0
Paycheck(s)
M
F
T1
T2
Investments
TRANSFER TO:$0
Paycheck(s)
M
S
T1
T2
Investments
TRANSFER TO:$0
Paycheck(s)
M
S
F
T2
Investments
TRANSFER TO:$0
Paycheck(s)
M
S
F
T1
Investments
TRANSFER TO:$0
Paycheck(s)
M
S
F
T1
T2
IN-FLOW:$ 6,000
Dave6,000
00
00
00
00
RE & Inv. Income0
IN-FLOW:$0
Paycheck(s)0
S0
F0
T10
T20
Investments0
IN-FLOW:$0
Paycheck(s)0
M0
F0
T10
T20
Investments0
IN-FLOW:$0
Paycheck(s)0
M0
S0
T10
T20
Investments0
IN-FLOW:$0
Paycheck(s)0
M0
S0
F0
T20
Investments0
IN-FLOW:$0
Paycheck(s)0
M0
S0
F0
T10
Investments0
IN-FLOW:$0
Paycheck(s)0
M0
S0
F0
T10
T20
OUT-FLOW:$ 0
OUT-FLOW:$ 14,188
Other Savings50
Medical Ins500
O/O Mortgages3,877
Auto Insurance150
* Unsecured Credit5,400
Retirement900
Required Clothing100
O/O Prop. Taxes525
Life Insurance950
Req'd Groceries0
O/O Home Ins.100
Vehicle 2 Pmt500
Tything500
Doctor/Dentist0
O/O HOA Fees236
Vehicle 3 Pmt0
Drugs0
O/O Repairs50
Vehicle 4 Pmt0
Natural Gas0
Rent0
Vehicle 5 Pmt0
* Tything / Charity0
Electric0
Housekeeping0
Gasoline200
Water0
Gardener0
Maintenence150
* Pets0
Trash0
Telephone0
Grooming0
Internet0
OUT-FLOW:$ 0
OUT-FLOW:$ 275
Vehicle 1 Pmt0
* Dining Out100
* Entertainment25
* Vacations100
* Sports/Clubs50
* Gifts & Birthdays0
Misc0
OUT-FLOW:$ 0
OUT-FLOW:$ 0
OUT-FLOW:$ 0

BUY-O-METER: 1) PUT IT ON A LIST 2) CONSIDER THE COSTS 3) THINK LONG TERM! 4) PURCHASE ON PURPOSE!

Current Financial Circumstances to Consider in Purchasing Decisions
Non-Retirement Savings:Debt Pmts./Mo.DaveRetirement
Non-Ret. Assets Mos. of Reserves:Total Cons. Debt: C-Flow:
Current Cash Flow:0-5 "Earn Score":
Enjoy/Invest DescriptionInvest or EnjoyDesire LevelCost / Month# of Mos. to PayOne-Time CostDate Req'd (Optional)Ret. Liq. CostRet. Cost/Mo.Shopped For Price
I Shopped
I Shopped
Things I Invest Totals
Things I Enjoy Totals
A High Importance Totals
B Important Totals
C Not Important Totals

12 MONTH SCORE

Level & Element

Seeker

Achiever

Wise Steward

Financial Pro!
LevelMedal
Goals & Synergy0
Income0
Taxes0
Real Estate0
Mortgage0
Credit0
Assets/Invest0
Vehicles0
Home Ins0
Life & DI Ins0
Health/Med0
Decisions0
Average Scores00000

SAVINGS GOAL IS:

Lump Sum Saved
$ Saved/MonthYearsROI%$ SavedPriority
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
Per Month
961,025  Per Month717,804

   Air Debt.

"AIR" Debt Elimination
Accelerated
Interest Recovery
Save

Life Time
Payoff Debt

Faster
Change payments by

On a monthly basis
Over 10 years atleast, Save at least

Based on your Investment plan
Pmt. At StartAir BalanceDebt NameBalancePaymentRateMonths RemainingPayment RemainingStartComplete
1,75017,300BofA(Amway)17,3001,75018%10.7818,86515-11-201915-10-2020
2501765Costco/Citi17652,00016.99%0.891,78015-10-202015-11-2020
2503661UBOC36612,25012%1.653,71315-11-202015-01-2021
Start Pmts Total flex
Expense
Flex Acct Minus
Min. Credit. Pmts
+/- Pmts to
AIR Plan
Old Pmts
Per Month
Ols Pmts -
New Pmts
Months Remaining Payments Remaining Less to Bank Less Months
$2,250$275$-1,975$2,250$0 13.32$29,971 $35915.20

VEHICLE INSURANCE

Year of VehicleMake / ModelInsurance PremiumsBodily InjuryProperty DamageDeduction
Collission Comp.
Carrier AgentPolicy NumberPrimary Driver of this VehicleLicense NumberLast 3 Years @ fault
Accidents Tickets

VEHICLE FINANCING

YearModelMonthly GasolineMonthly MaintenanceValuePaid Loan or LeaseBalancePaymentRateMonths Until Loan PaidMiles per GallonOdo Last TiresOdo Last Oil
Vehicle TotalsIns. Prem'sGasolineMaintenanceValueLease/LoansPaymentsMax Pay-Off
$150$200$150$8500$15000$30059.29

MEDICAL INSURANCE

Family MemberPremiumAnn. Out of PocketAnnual DeductPlan NameLifetime MaximumOffice VisitsProfess. ServicesHospital InpatientEmerg. ServicesWell ChildRegular Check-ups

MEDICAL INSURANCE

Family MemberMaternity CoveragePap & MammoAmbulance BenefitsPhys / Occup. TherapyAccupunct & ChiropactBrand DrugsGeneric DrugsCust. Serv. PhoneInsurerPolicy NumberNotes

  DECISIONS

Spendable Income: $4,800Net +/-
Monthly Expense: $16,528$-11728
Must = $ 16,253
Save = $0
Flex = $275
Track 1 = $0
Track 2 = $0
1.Financial Plan2.Essentials3.Home/RE4.Vehicle5.Discretionary
Target 15-25%$ 4,46593.02%Target 15-25%$ 60012.50%Target 30-40%$ 4,78899.75%Target 5-15%$ 1,00020.83%Target 10-20%$ 5,675118.23%

LIFE & DISABILITY INSURANCE

InsuredBeneficiaryPolicy TypeMonthly PremiumCoverage $Exp. DateAnnual Cost per $1,000 Cov.Est. Income generatedCompanyService PhonePolicy Number
60.00

DISABILITY AND LONG TERM CARE INSURANCE

DISABILITY COVERAGEPolicy TypePremium/Mo.Elimin. DaysAge to PayDeath BenefitIncome Gen.Company
Total $ 25$21

LIFE & DISABILITY TOTALS

InsuredPreimium
Paid by
Insured
Next Policy
Exp. Date
Covarge On
Insured
Income
Created By
Life
Coverage
Coveage as
Beneficairy
Amount to
Replace
Insured's
Income
Amount to
Cover
All expences
Insurance
shortfall to
cover all
expenses
Dave$0 $0$0 $0 $1,440$3,966,720 $3,897,008
Susie$0 $0$0 $0 $0$3,966,720 $3,897,008

PRESENT PLANNING

Assets - Balance Sheet

ValueDebtNet Equity
Vehicles$8,500$15,000$-6,500
Real Estate$1,300,000$2,383,200$-1,083,200
Liquid Assets$69,712$27,300$42,412
Total$1,378,212$2,425,500$-1,047,288

Cash Flow - Profit & Loss

Interest Rate Leverage

Spendable Income$4,800Invest ROI %$8.71%
Expenses$16,528Debt Blended %3.19%
Net Monthly$-16,528Net % Leverage5.52%

RE & Bus. Profit & Loss

Total Assets$1,378,212
Investment RE0Total Liabilities$2,425,500
BusinessNet Assets$-1,047,288
THP Synergy Score (0-4)0.0
PRESENT: "Millionnaire Next Door" ScaleYour Ranking
Prodigious
$528,000
Average
$264,000
Below
$132,000
Below Average
$-1,047,288

FUTURE PLANNING

Retirement Planning

Emergency Funds

Retirement Age75Present Balance$0
Liquid Ret. Assets$362,8123 Month Need$49,584
Liquid Asset Income$1,510Emergency Days0
Fixed Income$4,035

Debt Free Age

RE Income$0Consumer Debt57,2
Tot. Retirement Inc.$5,545Vehicle Debt4,9
Surplus/Shortage$-10,983Residence Debt80,6

Life & Disability Insurance

Decisions Mapped
DaveSusie
Coverage$0$0$ Manager Balanced
Expires at Age
Income$0$0Transfers Setup
Monthly Disability$0$0
FUTURE: "Millionnaire Next Door" ScaleProjected Ranking
Prodigious
$864,000
Average
$432,000
Below
$216,000
Below Average
$-854,144