Days 5–7 of 90 · UNDERSTAND · Week 1: Know Your Numbers
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Know Your Savings
Find every dollar you already have set aside.
About 17 minutes
Learn
Savings is money you can reach quickly without borrowing: checking buffers, savings accounts, cash. It exists to absorb surprises.
People often undercount savings because it is scattered across accounts, or overcount it because bills are about to clear.
What matters is the amount that is genuinely available, not the balance on the screen today.
Do
Add up every account holding accessible savings and record the total.
Weeks of essentials covered
0.0 weeks
Reflect
How many weeks of essential expenses would your current savings cover?
Day 6
Know Your Debt
Name every balance you owe. All of it.
Learn
Debt is easier to carry than to look at. Naming it converts a vague weight into a set of specific, workable numbers.
Every debt has four facts: balance, interest rate, minimum payment and due date. The interest rate is what determines its cost.
This is an inventory, not a verdict. You will build a strategy in Week 7 once the picture is complete.
Do
Enter your total debt balance and total minimum monthly payments.
Minimum payments are 0% of take-home income
Reflect
Which debt feels heaviest emotionally — and is it also the most expensive?
Day 7
Calculate Your Net Worth
Turn six numbers into one honest snapshot.
Learn
Net worth is simply what you own minus what you owe. It can be negative early on, and often is. That is a starting position, not a character report.
Its value is directional. One reading tells you little; a series of readings tells you whether your foundation is strengthening.
Net worth also reveals hidden progress — paying down a balance moves it just as surely as saving does.
Do
Review your calculated net worth below and save this baseline.
Savings
$0
Investments
$0
Other assets
$0
Total debt
$0
Net worth — what you own minus what you owe
$0
A negative net worth early on is common. Direction matters more than the figure.
Reflect
Does this number match the picture you had in your head before Day 1?
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