Surplus Strategy

Service Description

Most people try to build wealth by starting at the end. They focus on savings goals, investment strategies, or debt repayment without first making sure their money is actually set up to support growth. But wealth-building only works when there is surplus. Surplus doesn't just appear out of nowhere. To make real progress, you need to understand: • Where your money is currently going • What's tripping up your cash flow • What your money is committed to • What’s left over Without this foundation, money comes and goes as it pleases and never gets the important jobs done. The Surplus Strategy ensures you have the surplus before assigning it. We look at your money as one system, not a set of disconnected goals. We move through three clear phases: 1. See what’s actually happening with your money. We start with a Wallet Audit to understand how your money is moving and where surplus already exists or could be created. 2. Give your money structure. Next, we build a Pay Day Plan that allocates your income to your commitments and variable spending. This is where we confirm what kind of surplus you have to work with. 3. Put the surplus to work. Once we know how much surplus you have we intentionally direct to your goals and priorities: savings, investments and debt repayment. We'll also set you up with helpful systems and guardrails to prevent you from dipping into your surplus. Now you’re in the driver’s seat. What you get • A complete Wallet Audit and Pay Day Plan • A personalized Surplus Strategy • A savings and investment contribution plan built around your priorities • A debt repayment plan (if needed) • Simple templates and worksheets compatible with Excel and Google Sheets • Guidance on how to manage this plan and flex when things change • A 90-minute review meeting to walk through everything together • One round of follow-up edits or refinements • Top strategies to improve your relationship with money • Expert answers to any personal finance questions This is for you if… • You earn good money but feel like you have little to show for it • You want to accelerate savings, investing, or debt repayment • You don't know where to find more money without burning out on a side hustle • You want your money to work harder without cutting your life down to the bone • You're tired of slow and inconsistent progress • You’re ready to be intentional about building wealth *We start with a 30-minute introductory call to talk through the details.