{"title":"Money","description":"\u0026lt;p\u0026gt;Cash flow, debt order, nonmonthly costs, retirement assumptions, and the money conversation that keeps getting postponed.\u0026lt;\/p\u0026gt;\u0026lt;p\u0026gt;Transparent workbooks that organize what you enter. They do not give financial advice.\u0026lt;\/p\u0026gt;","products":[{"product_id":"90-day-cash-flow-reset","title":"90-Day Cash-Flow Reset","description":"\u003cp\u003e\u003cstrong\u003eSee the next 13 weeks before they become a scramble.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eOrganize the cash, income, obligations, and buffer you enter into one clear planning view - without linking accounts or being told what to do. Now includes the double-click app; the editable Excel workbook is still included.\u003c\/p\u003e\u003ch3\u003eWhat is included\u003c\/h3\u003e\u003cp\u003eDouble-click local app (one file that opens in your web browser - no install, no account, and no internet connection needed; your entries stay on your computer), editable Excel workbook, setup guide PDF, and printable action-plan PDF. The app and the workbook contain the same calculator and review workflow - use whichever you prefer; the PDFs make first use and paper planning easier.\u003c\/p\u003e\u003ch3\u003eHow it works\u003c\/h3\u003e\u003col\u003e\n\u003cli\u003eRead Start Here.\u003c\/li\u003e\n\u003cli\u003eOpen the app (or the workbook) and replace the fictional inputs.\u003c\/li\u003e\n\u003cli\u003eReview the 13-week plan and warnings.\u003c\/li\u003e\n\u003cli\u003eRecord your own actions in Weekly Review.\u003c\/li\u003e\n\u003c\/ol\u003e\u003ch3\u003eWho it is for\u003c\/h3\u003e\u003cp\u003eAdults or households who prefer a hands-on, editable planning tool for a near-term cash-flow review.\u003c\/p\u003e\u003ch3\u003eWho it is not for\u003c\/h3\u003e\u003cp\u003eAnyone seeking bank sync, bill pay, automated budgeting, an affordability decision, debt\/tax\/investment advice, or a recommendation about what to do with money.\u003c\/p\u003e\u003ch3\u003eRequirements and limitations\u003c\/h3\u003e\u003cp\u003eThe app runs in a current desktop web browser and makes no network requests. The workbook is designed for Microsoft Excel desktop on Windows or Mac; formula cells are visible and editable. The calculation depends on the buyer's entries and does not verify them. For educational and planning purposes only; not financial, legal, tax, credit, investment, accounting, or other professional advice.\u003c\/p\u003e\u003ch3\u003eLicense\u003c\/h3\u003e\u003cp\u003ePersonal\/household use only; no resale, redistribution, sharing, client service use, or republishing. Maintenance updates, if released, apply to v1. Store refund policy governs purchases.\u003c\/p\u003e","brand":"Everstack Studio","offers":[{"title":"Default Title","offer_id":53964074811503,"sku":"EFM-CASHFLOW-90-V1","price":29.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0740\/1501\/5023\/files\/cash-flow-start-here_7eaca471-669d-4ea8-81ee-d30926d903d7.png?v=1787452187"},{"product_id":"annual-expense-sinking-fund-map","title":"Annual Expense \u0026 Sinking-Fund Map","description":"\u003cp\u003e\u003cstrong\u003ePut nonmonthly costs on a plan you can actually review.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eTurn the bills, targets, reserves, and dates you enter into a clear 24-month map - without linking accounts or relying on hidden estimates. Now includes the double-click app; the editable Excel workbook is still included.\u003c\/p\u003e\u003ch3\u003eWhat is included\u003c\/h3\u003e\u003cp\u003eDouble-click local app (one file that opens in your web browser - no install, no account, and no internet connection needed; your entries stay on your computer), editable Excel workbook, setup guide PDF, fictional sample-summary PDF, US Letter and A4 print packs, fictional sample data, and plain-language formula and assumption references.\u003c\/p\u003e\u003ch3\u003eHow it works\u003c\/h3\u003e\u003col\u003e\n\u003cli\u003eSet an as-of date.\u003c\/li\u003e\n\u003cli\u003eReplace a fictional item.\u003c\/li\u003e\n\u003cli\u003eEnter your target, reserve, due date, recurrence, and priority.\u003c\/li\u003e\n\u003cli\u003eReview the monthly arithmetic, map, and checks.\u003c\/li\u003e\n\u003c\/ol\u003e\u003ch3\u003eWho it is for\u003c\/h3\u003e\u003cp\u003eAdults and households who already know which annual bills or replacement costs they want to track and prefer an editable local tool.\u003c\/p\u003e\u003ch3\u003eWho it is not for\u003c\/h3\u003e\u003cp\u003eAnyone seeking property valuations, repair schedules, insurance analysis, contractor recommendations, automated transfers, bank sync, or individualized financial advice.\u003c\/p\u003e\u003ch3\u003eRequirements and limitations\u003c\/h3\u003e\u003cp\u003eThe app runs in a current desktop web browser and makes no network requests. The workbook is designed for Microsoft Excel desktop on Windows or Mac; Google Sheets import changes the privacy environment and compatibility is not promised, and Apple Numbers is unsupported. Formula cells are visible and editable. Every target, reserve, date, recurrence, and priority is entered by the buyer. The product does not estimate useful life, price, repair urgency, insurance adequacy, affordability, or correct priority. For educational and planning purposes only; not financial, investment, tax, legal, or other professional advice.\u003c\/p\u003e\u003ch3\u003eLicense\u003c\/h3\u003e\u003cp\u003ePersonal\/household use only; no resale, redistribution, sharing, client service use, or republishing. Maintenance updates, if released, apply to v1. Store refund policy governs purchases.\u003c\/p\u003e","brand":"Everstack Studio","offers":[{"title":"Default Title","offer_id":53964077498479,"sku":"EFM-SINKINGFUND-V1","price":19.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0740\/1501\/5023\/files\/sinking-fund-start-here_27e805ea-4279-40c7-8617-9a75b88c96de.png?v=1787452193"},{"product_id":"couples-money-meeting-system","title":"Couples Money Meeting System","description":"\u003cp\u003e\u003cstrong\u003eA shared money meeting system with separate private check-ins.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eTurn the totals and topics you both choose to share into clear decisions, dated actions, and a shared archive - without account merging, partner scoring, or embedded private check-ins. Now includes the double-click app; the editable Excel workbook is still included.\u003c\/p\u003e\u003cp\u003ePrivate check-ins are separate local files. Shared files have no automated import or embedded private-check-in fields. This product does not encrypt files.\u003c\/p\u003e\u003ch3\u003eWhat is included\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eDouble-click local app\u003c\/strong\u003e - the shared meeting record, action log, consent gate, and one-click archive cycle in one file that opens in your web browser. No install, no account, and no internet connection needed. Private check-ins stay in separate files by design.\u003c\/li\u003e\n\u003cli\u003eEditable Microsoft 365 Excel desktop workbook - shared meeting record, action log, shared-only archive, and neutral checks.\u003c\/li\u003e\n\u003cli\u003eShared fillable PDF - a focused record, three action entries, and a close-out checklist.\u003c\/li\u003e\n\u003cli\u003eSeparate optional private check-in PDF - a local solo reflection file.\u003c\/li\u003e\n\u003cli\u003eUS Letter and A4 print packs.\u003c\/li\u003e\n\u003cli\u003eStart Here PDF - first-use, privacy, consent, and stop-state guidance.\u003c\/li\u003e\n\u003cli\u003eTwelve agenda variations and neutral scripts.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHow it works\u003c\/h3\u003e\u003col\u003e\n\u003cli\u003eRead Start Here and agree on a voluntary shared scope.\u003c\/li\u003e\n\u003cli\u003eKeep optional private check-ins in separate local files.\u003c\/li\u003e\n\u003cli\u003eEnter only totals and topics everyone chooses to share.\u003c\/li\u003e\n\u003cli\u003eRecord a decision and give each action an owner and due date, or choose Deferred.\u003c\/li\u003e\n\u003cli\u003eArchive the shared-only snapshot and start a clean next cycle.\u003c\/li\u003e\n\u003c\/ol\u003e\u003ch3\u003eWho it is for\u003c\/h3\u003e\u003cp\u003eCouples and shared households using shared, separate, or mine\/yours\/ours finances who want a repeatable meeting rhythm without turning one person into the finance department.\u003c\/p\u003e\u003ch3\u003eWho it is not for\u003c\/h3\u003e\u003cp\u003eNot for compelled disclosure, monitoring another person, therapy, mediation, legal agreements, account aggregation, financial recommendations, or an unsafe situation. Stop using the shared workflow if participation is pressured or a shared record could make anyone less safe.\u003c\/p\u003e\u003ch3\u003eRequirements and limitations\u003c\/h3\u003e\u003cp\u003eThe app runs in a current desktop web browser and makes no network requests. The editable workbook is designed for current Microsoft 365 Excel desktop on Windows or macOS; Excel for the web, Google Sheets, and Apple Numbers are unsupported. PDFs need a PDF app that supports fillable forms to enter and save values. For educational and planning purposes only; not financial, investment, tax, or legal advice. This tool does not make financial recommendations, aggregate accounts, encrypt files, prevent conflict, diagnose abuse, or monitor anyone.\u003c\/p\u003e\u003ch3\u003eLicense\u003c\/h3\u003e\u003cp\u003ePersonal and household use only; no resale, redistribution, public sharing, sublicensing, or commercial use. Fixes and minor updates may be issued at Everstack Studio's discretion for v1.x. Refunds follow the store policy shown at checkout.\u003c\/p\u003e","brand":"Everstack Studio","offers":[{"title":"Default Title","offer_id":53964077793391,"sku":"EFM-COUPLES-MEETING-V1","price":12.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0740\/1501\/5023\/files\/start-here_73eb19a7-1002-4007-9b83-86138d4ed7a4.png?v=1787452200"},{"product_id":"debt-payoff-decision-lab","title":"Debt Payoff Decision Lab","description":"\u003cp\u003e\u003cstrong\u003eCompare the payoff order before you commit to it.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eModel minimum-only, snowball, avalanche, and custom fixed-rate debt scenarios - then record the method you choose. Now includes the double-click app; the editable Excel workbook is still included. No macros, bank connection, lender connection, telemetry, or credential fields.\u003c\/p\u003e\u003ch3\u003eWhat's included\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eDouble-click local app\u003c\/strong\u003e - the same guided inputs, four-scenario comparison, transparent schedules, checks, and decision record in one file that opens in your web browser. No install, no account, and no internet connection needed.\u003c\/li\u003e\n\u003cli\u003eExcel comparison workbook - guided inputs, four scenario summaries, transparent schedules, checks, and decision record.\u003c\/li\u003e\n\u003cli\u003eStart Here PDF - fit criteria, quick start, calculation order, limitations, and creditor-verification checklist.\u003c\/li\u003e\n\u003cli\u003eFictional Example PDF - demonstrates the product's output form without personal guidance.\u003c\/li\u003e\n\u003cli\u003eBuyer terms - personal-use license, store-policy refund language, support privacy guidance, and manifest.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHow it works\u003c\/h3\u003e\u003col\u003e\n\u003cli\u003eRead Start Here and complete the fit check.\u003c\/li\u003e\n\u003cli\u003eReplace fictional values with short aliases and verified fixed-rate assumptions.\u003c\/li\u003e\n\u003cli\u003eEnter a base extra amount and, optionally, one future change.\u003c\/li\u003e\n\u003cli\u003eCompare the four modeled rows and inspect Checks.\u003c\/li\u003e\n\u003cli\u003eVerify current creditor terms and payoff amounts.\u003c\/li\u003e\n\u003cli\u003eRecord only the plan you select and set a future review date.\u003c\/li\u003e\n\u003c\/ol\u003e\u003ch3\u003eWho it is for\u003c\/h3\u003e\u003cp\u003eAdults who are current on payments and can make every stated minimum, comparing fixed-rate payoff orders in a local tool with visible schedules.\u003c\/p\u003e\u003ch3\u003eWho it is not for\u003c\/h3\u003e\u003cp\u003eInability to make minimums, delinquency, default, or collections; settlement, bankruptcy, credit repair, stop-payment, consolidation\/refinancing, or provider-selection decisions; variable APR, promotional-rate, fee\/penalty, or exact daily-compounding modeling; anyone seeking a lender payoff quote, strategy recommendation, or certainty about results.\u003c\/p\u003e\u003ch3\u003eRequirements and limitations\u003c\/h3\u003e\u003cp\u003eThe app runs in a current desktop web browser and makes no network requests. The workbook requires a current desktop version of Microsoft Excel; Google Sheets, Excel for web, Apple Numbers, and other spreadsheet apps are not supported or certified. Formula cells are visible and not protected; keep an untouched backup. Interest is modeled once per month as fixed APR divided by 12. Results are approximate educational scenarios, not lender statements or payoff quotes. For educational and planning purposes only; not financial, investment, tax, or legal advice.\u003c\/p\u003e\u003ch3\u003eLicense\u003c\/h3\u003e\u003cp\u003ePersonal use license. Refunds follow the Everstack Studio refund policy displayed at purchase. Version 1.x corrections or maintenance updates may be issued; no update schedule or future-platform compatibility is promised.\u003c\/p\u003e","brand":"Everstack Studio","offers":[{"title":"Default Title","offer_id":53964078153839,"sku":"EFM-DEBT-LAB-V1","price":24.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0740\/1501\/5023\/files\/debt-lab-hero-comparison_8d3e80be-8fec-4e77-90f5-ca5fe963a76b.png?v=1787452207"},{"product_id":"retirement-readiness-range-planner","title":"Retirement Readiness Range Planner","description":"\u003cp\u003e\u003cstrong\u003eSee how your retirement assumptions work together.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eA transparent planner that turns savings, spending, timing, benefits, and one-time events into three annual illustrations - plus sensitivity and a professional-meeting summary. Now includes the double-click app; the 13-sheet Excel workbook is still included.\u003c\/p\u003e\u003ch3\u003eWhat the planner does\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eThree annual paths - low, base, and high remain assumption labels, not rankings.\u003c\/li\u003e\n\u003cli\u003eNominal and today-dollar views - the basis stays visible.\u003c\/li\u003e\n\u003cli\u003eBenefits and life events - record dated estimates and one-time inflows or outflows.\u003c\/li\u003e\n\u003cli\u003eShortfalls stay visible - see depletion age and cumulative unmet spending.\u003c\/li\u003e\n\u003cli\u003eNine sensitivity cells - shift return by plus or minus 2 points and spending by plus or minus 15%.\u003c\/li\u003e\n\u003cli\u003eProfessional summary - bring a redacted snapshot and focused questions.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eWhat's included\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eDouble-click local app - the planner's inputs, scenarios, sensitivity, and checks in one file that opens in your web browser. No install, no account, and no internet connection needed.\u003c\/li\u003e\n\u003cli\u003eRetirement Readiness Range Planner workbook with 13 sheets\u003c\/li\u003e\n\u003cli\u003e10-page Buyer Guide\u003c\/li\u003e\n\u003cli\u003ePrintable Professional Conversation Sheet\u003c\/li\u003e\n\u003cli\u003eLicense, limitations, changelog, and manifest\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHow it works\u003c\/h3\u003e\u003col\u003e\n\u003cli\u003eKeep an untouched master copy.\u003c\/li\u003e\n\u003cli\u003eOpen the app (or the workbook) and replace the fictional inputs with aggregate, dated information.\u003c\/li\u003e\n\u003cli\u003eReview Checks and fix any FAIL.\u003c\/li\u003e\n\u003cli\u003eRead scenarios and sensitivity together.\u003c\/li\u003e\n\u003cli\u003eUse the redacted summary to prepare questions for qualified professionals.\u003c\/li\u003e\n\u003c\/ol\u003e\u003ch3\u003eGood fit\u003c\/h3\u003e\u003cp\u003eAdults roughly age 45-65; want assumption visibility; willing to verify data and consult professionals.\u003c\/p\u003e\u003ch3\u003eNot designed for\u003c\/h3\u003e\u003cp\u003eMonte Carlo probability, forecasts, readiness scores, tax\/RMD\/Medicare rules, healthcare analysis, allocation, securities, benefit calculations, claiming optimization, recommendations, or individualized advice.\u003c\/p\u003e\u003ch3\u003eCompatibility and privacy\u003c\/h3\u003e\u003cp\u003eThe app runs in a current desktop web browser and makes no network requests. The workbook is designed for current Microsoft 365 Excel desktop; other spreadsheet applications can alter formulas, validation, or formatting and are unsupported. Use aggregate values and aliases. Do not enter credentials, account numbers, Social Security numbers, earnings histories, or unredacted statements. Local files are not represented as encrypted or confidential.\u003c\/p\u003e\u003ch3\u003eLicense\u003c\/h3\u003e\u003cp\u003ePurchaser's personal or household use only; resale, redistribution, public upload, and commercial reuse are prohibited. Everstack Studio may issue version 1 corrections or compatibility updates when appropriate; perpetual updates and future major versions are not promised. The refund policy posted on the store at the time of purchase governs refunds. For educational and planning purposes only; not financial, investment, tax, or legal advice.\u003c\/p\u003e","brand":"Everstack Studio","offers":[{"title":"Default Title","offer_id":53964078710895,"sku":"EFM-RETIREMENT-RANGE-V1","price":49.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0740\/1501\/5023\/files\/01-retirement-cover_31f67dea-06a0-4943-a10f-1ce5d3f36cef.png?v=1787452214"}],"url":"https:\/\/shop.everstackstudio.com\/collections\/money.oembed","provider":"Everstack Studio","version":"1.0","type":"link"}