The book cover: Outsmart Your Paycheck, by Charles Wainer

Chapter 6 · Companion tool

The Destination Card Builder

Three horizons, one enough number, one reason. Fill it in and print the card. A card in your wallet beats blanks on a page.

Your name, the way you would sign it One year from today, I will have Five years from today, I will have My current monthly spending (for the enough number) Social Security estimate, $ per month, at the age I plan to claim (from ssa.gov/myaccount; two of you? add both) Pension I have earned, $ per month, from its annual statement (if any; no cost-of-living raise? enter a little less than the statement shows) Your multiple: 25 times is the book’s standard, 30 times the safer version The year I reach my enough number The reason (your layer-five answer, word for word)

The fold-once card prints two panels side by side. Cut along the outer line, fold on the middle line, and the reason sits on the back.

Keep the streak going

Finish the chapter in the book, then come back for the next tool. If something here did not land, bring it to Open Mic and I will walk through it live.

All the tools Ask me live, free