Free Resources
Tools to run
the method yourself.
Every CK Financial Coaching book points here. These are the same tools used inside real coaching sessions — free, no strings, ready to use today.
The No-Blame Pledge
Money problems are system problems, not character problems. This one-page agreement sets the tone before you run your first rep — sign it with a coach, a partner, or your family.
Download the Pledge →Zero-Based Budget
Give every dollar a job before the month starts. This is Rep 3's Process Gap fix in spreadsheet form — assign, track, and get the balance to $0.00.
Download the Template →Debt Payoff Planner
Enter every debt, pick Snowball or Avalanche, set an extra payment, and see your real payoff date. Structure replacing willpower — exactly what Rep 3 asks for.
Download the Planner →Want to run these with a coach instead of alone? A free Financial Fitness Checkup walks the full 5-Rep sequence with Andy, live, on your specific situation.
Book your free Checkup →