LifeArch Wealth Plan – Starter Edition

Mission: Unlock immediate cash flow + build your first wealth systems.
Upgrade Path: Full Wealth Plan ($597).

Deliverables Included Six Modules:

– LifeArch Money Diagnostic™: Net worth + cash flow clarity

– LifeArch Score™ Report Card: Simple scoring dashboard

– Spend Optimization Sweep™: Redirect wasted dollars into wealth

– Starter Family Bank Plan: First-stage capital system

– 30-Day Income Lift: Practical revenue accelerator

– 12-Month Starter Roadmap: Milestones and tracking

Bonus Upgrade Credit

Apply your $197 toward the Full Wealth Plan when you upgrade within 90 days. Your cost becomes just $400.

Module 1️: LifeArch Money Diagnostic™

“Where You Really Stand”

Purpose
To see clearly where your money is going so, we can decide what to fix and what to build.

Step 1 – Capture Your Monthly Income

Write down your average monthly income (after taxes):

• Primary job income
• Side income (if any)
• Benefits or other recurring income

Question: Is your income stable, growing, or shrinking?

Step 2 – List Your Core Expenses

List your fixed monthly expenses (things you pay every month):

• Housing (rent/mortgage, utilities)
• Transportation (car payment, gas, insurance, transit)
• Food (groceries + eating out)
• Insurance (health, life, etc.)
• Phone/internet
• Other must-pay bills

Then list flexible expenses:

• Entertainment, subscriptions, shopping, hobbies, etc.

Goal: See what is essential vs. optional.

Step 3 – List All Debts

For each debt, write:

• Type (credit card, student loan, car, personal loan, etc.)
• Balance
• Interest rate (APR)
• Minimum monthly payment

Question: Which debts are most expensive (highest APR)?
Those are your “toxic” debts.

Step 4 – List Your Assets

List everything you own that has value:

• Checking and savings accounts
• Retirement accounts (401k, IRA, TSP, etc.)
• Investments (stocks, mutual funds, crypto, etc.)
• Home equity (if you own a home)
• Cash value in life insurance (if any)

Step 5 – Calculate Your Net Worth (Baseline)

Net Worth = Total Assets – Total Debts

• If it’s negative, that’s okay. We just found your starting line.
• If it’s positive, we’ll grow it.

Your Top 3 Money Opportunities

From everything you listed, circle or write down:

1. One expense to cut or reduce
2. One debt to attack first
3. One asset/income area to grow

This is your starting playbook.
The rest of the plan builds on this.

Module 2️: LifeArch Score™ Report Card

Score Report – “Your Money Health at a Glance”

Purpose
To give you a simple “scoreboard” so you can see progress without needing to be a financial expert.

The 5 score Categories (Rate 1–10)

For each area, circle a number from 1 (very weak) to 10 (very strong).

1. Cashflow Health

• Do you regularly have money left over each month?
• 1–3 = usually short / always stressed
• 4–7 = sometimes ahead, sometimes behind
• 8–10 = consistent surplus, no panic

1. Debt Efficiency

• Are your debts under control and being paid down strategically?
• 1–3 = high-interest debt, only paying minimums
• 4–7 = making progress, but no clear plan
• 8–10 = low-interest, shrinking quickly, clear payoff path

1. Wealth Capitalization

• How much are you saving/investing monthly?
• 1–3 = almost nothing saved, no system
• 4–7 = inconsistent saving/investing
• 8–10 = automated, predictable, growing

1. Risk Protection

• If something happened (job loss, illness, death), are you protected?
• 1–3 = no emergency fund, no or low coverage
• 4–7 = some coverage, partial emergency fund
• 8–10 = 3+ months savings, proper insurance in place

1. Growth Readiness

• Are you in a position to start or expand investing (real estate, business, etc.)?
• 1–3 = not ready, barely surviving
• 4–7 = can invest small amounts with guidance
• 8–10 = strong base, ready for bigger moves

Step 1 – Total Your Score

Add all five numbers.
Maximum = 50.

• 10–20: Survival Mode (we focus on stability + cash flow)
• 21–35: Build Mode (we build your foundation + savings)
• 36–50: Growth Mode (we lean into investing + asset ownership)

Step 2 – Identify Your #1 Priority

Look at the lowest category.
That becomes your first focus for the Starter Plan.

Your Score Report tells us “Where to push first” so we don’t waste time.

Module 3️: Spend Optimization Sweep™

“Free $300–$800/mo. Without Earning More”

Purpose
To find and redirect money you’re already spending into your wealth system.

Step 1 – List All Subscriptions & Autopay’s

Streaming, apps, memberships, gym, software, etc.

For each:

• Do I still use this regularly?
• Is it essential?

Action:

• Cancel at least 2–3 you don’t truly need.

Step 2 – Reprice Your Bills

Call or check quotes for:

• Auto insurance
• Internet / phone
• Energy (if options exist)

Action:

• Get at least 2 alternative quotes for each major bill.
• Keep the best deal, pocket the difference.

Step 3 – Cap Impulse Spending

Pick:

• How many meals out per week
• How many “fun purchases” per month

Action:

• Lock in 2 “no-spend days” per week.
• Anything you wanted to spend on those days → transfer that amount to savings instead.

Step 4 – Attack Interest & Fees

Look at your highest-interest debt:

• Call and ask for a lower APR
• Set all payments to auto-pay to avoid late fees

Action:

• Avoid at least 1 late fee and lower one interest rate where possible.

Step 5 – Redirect Savings (Do NOT Leave It Sitting)

Add up all monthly savings:

New Monthly Cash Freed = $___ per month

Action:

• Decide ahead of time:
  • ___% to debt payoff
  • ___% to Family Bank / savings

The Sweep is only successful when those dollars are reassigned, not just left floating.

Module 4️: Starter Family Bank Plan

“Start Your Personal Capital System”

Purpose
To begin building a pool of money you control and can tap for future opportunities.

(This is educational, not individualized legal/financial advice. You’ll review specifics with your advisor.)

Step 1 – Define Your Monthly Contribution

Take the amount freed from the Spend Sweep.

Example: You freed $400/month.
Decide: “I will redirect at least $200–$300/month into my Family Bank.”

Step 2 – Choose Your Initial Vehicle

This may include:

• High-yield savings account → for emergency buffer
• Cash value life insurance / IUL (with an advisor) → for long-term funding + leverage
• Another safe/liquid vehicle as guided

Action:

• Decide where the first $1,000–$2,000 will go.

Step 3 – Automate the Transfers

Set an automatic monthly transfer:

• From checking → to your chosen Family Bank vehicle
• Same day each month (e.g., 1st or payday)

Rule:
Treat this like a bill you pay to your future self.

Step 4 – Set Year-1 Target

Starter target:

• $2,000–$5,000 in your Family Bank by end of Year 1

Write your target:

“By (date), I will have $_______ in my Family Bank.”

Step 5 – Define First Use of Your Family Bank

Examples:

• Pay off high-interest debt faster
• Fund a small side project
• Seed money for an investment opportunity

Action:

• Write one approved purpose:

“I will use my Family Bank for: ___________ (not emergencies, not lifestyle splurges).”

Module 5️: 30-Day Income Lift

“Add $500–$1,000/Month Quickly”

Purpose
To create a simple, low-friction way to earn extra money in the next 30 days.

Step 1 – Choose ONE Path (Don’t Overthink It)

Pick one that fits you best:

• Skill-Based Service – Editing, writing, tutoring, tech help, admin support, etc.
• Local Service – Rides, errands, cleaning, organizing, home tasks, care visits.
• Digital Micro-Offer – Templates, simple guides, checklists, a short consult call.

Action: Circle one. Commit for 30 days.

Step 2 – Define Your Simple Offer

Answer:

• I help (who)
• With (what problem)
• So, they can (result)
• For $X per (session/project/week)

Example: “I help busy parents organize their home office in 1 day for $150.”

Step 3 – Set Your 30-Day Money Goal

Target: $500–$1,000 in 30 days

Examples:

• 5 clients at $100
• 4 clients at $250
• 10 clients at $100

Write your target: “My 30-day income goal is $_______ from this offer.”

Step 4 – Take Daily Micro-Actions

Every day, do at least one of the following:

• Message 3 people who might need your help
• Post your offer on one platform (LinkedIn, local group, etc.)
• Ask a happy client for a referral
• Share a before/after story or result

Action: Create a 30-day calendar and check off each day you made an attempt.

Step 5 – Decide What to Do with the New Income

Choose where this money will go:

• ___% to debt
• ___% to Family Bank
• ___% to emergency fund

The Income Lift is powerful because the extra money is assigned to wealth, not lifestyle creep.

Module 6️: 12-Month Starter Roadmap

“Your First Wealth Year”

Purpose
To give you a simple, one-year path so your effort compounds instead of getting scattered.

Quarter 1 (Months 1–3) – Reset & Clarity

• Complete the Money Diagnostic
• Complete your Score Report Card
• Run your first Spend Optimization Sweep
• Build a starter emergency fund:
  • Target: $500–$1,000

Checkpoint: I know my numbers and I’ve freed at least $200–$400/month.

Quarter 2 (Months 4–6) – Build the Base

• Automate contributions to your Family Bank
• Start and test your Income Lift offer
• Pay off one small or high-interest debt
• Grow emergency fund to:
  • $1,000–$2,000

Checkpoint: I’m consistently saving and making extra income.

Quarter 3 (Months 7–9) – Strengthen & Scale

• Keep income lift going
• Increase Family Bank or savings contributions if possible
• Reduce total debt by: $3,000–$5,000 (total from start of year)
• Review and update your Score Report Card

Checkpoint: My debt is dropping, my savings are growing, and my scores are improving.

Quarter 4 (Months 10–12) – Prepare for Bigger Moves

• Total debt reduction: $5,000–$10,000
• Emergency fund: $2,000–$3,000
• Family Bank: aim for $2,000–$5,000
• Side income: $500–$1,000+/mo. (even if inconsistent)

Year-End Reflection:

• Is your net worth higher than 12 months ago?
• Is your monthly stress lower?
• Do you have more options now than you did at the start?

If the answer is yes, you’re ready for the Full Wealth Plan, which adds asset acquisition, tax strategy, and full wealth architecture.