Using playbook and tools

If you would like to obtain a copy of the playbook & tools from my book Following Your Money, please provide your name and email address below.  It is highly recommended that you read my book before downloading the playbook in order to understand how to use the tools.  You can find out more about the book by clicking here.

The playbook is a Microsoft Excel file that contains 11 worksheets, including:

  • A playbook template to help you organize and maintain your financial life.
  • Spreadsheets to create your Personal Net Income (PNI) statement, and track your spending relative to the key measures of Fun Money, Glad Money, and Pride Money.
  • Worksheets to help you develop the funding plan for achieving life goals.
  • Other tables and charts from my book.
Please provide your name and email address to access playbook content. You will be redirected to a page to download the playbook. Your email address will never be shared with others, but may be used in future to notify you of new information available on

Is going to graduate school worth the investment?

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The pre-populated inputs and outputs contained in the spreadsheets are for illustrative purposes only.  Please update with your own data. The playbook and associated tools are for personal use only.  Please do not redistribute or attempt to commercialize in any way as all information contained in the playbook download is copyrighted by Bard Downs LLC.  Thank you.