Windfall Plan Builder
A bonus, inheritance, or refund disappears fast without a plan. Walk the steps, and this builder turns it into a written allocation with a 30-day execution checklist — before lifestyle creep spends it.
Step 1 — The windfall
Step 2 — Tax reserve (first!)
Some windfalls arrive with a tax bill attached. Reserve for it before you allocate a single dollar elsewhere — the IRS doesn't care that you already spent it.
Step 3 — High-interest debt
List debts charging high interest (credit cards, personal loans — roughly 10% APR and up). The plan pays them highest-APR first.
Step 4 — Emergency fund top-up
A windfall is the painless way to finish your emergency fund. Enter your numbers and the builder computes the top-up.
Step 5 — Adjust the split
Move any slider — the others rebalance so the total always equals your windfall. "Enjoy some" is capped at 10%: fun is budgeted, not accidental.
Total allocated: 100% of
Your one-page windfall plan
| Bucket | Amount | Goes to (tap to edit) |
|---|
30-day execution checklist
Check each off as you do it. Your progress is saved on this device.
Go Deeper with the Book
A plan is step one; a system keeps you wealthy. Wealth Made Simple by Kimani Upshur, M.Ed. lays out the money system in plain language.