Tools & worksheets
A place to work it out.
Start with a calculation, prepare for a conversation, or put the details of one decision on a page.
A decision worksheet
One page. One decision.
Use these prompts in a notebook, or download an editable text copy to fill in privately.
The decision
What are you choosing, and when? Separate a real deadline from a date that is simply convenient.
The facts
What do your accounts, agreements and records tell you? Note the source and date, and mark anything that is still an estimate.
The alternatives
What choices are available, including waiting? List the commitments, costs and open questions for each.
The people
Who can answer each question: your employer, servicer, advisor, CPA, attorney or another professional?
The next review
What new information could change the decision? Record who will follow up and when to revisit it.
Also useful
Before the conversation.
You don’t need a perfect spreadsheet. A clear question and a few reliable facts move it forward.
Let’s work it through.
Begin with a high-level summary. Use an agreed secure channel if the next step requires personal documents.