IBW Tools

Done-for-you systems
for building wealth.

Stop starting from scratch. Every tool is pre-built, pre-configured, and designed to be picked up and used today — matched to your exact Money Map stage.

Find your stage — take the quiz →
Stage Toolkits

One product for every stage.

Each toolkit pairs with the free course for that stage. The course teaches the system. The tool lets you run it.

Stage 1 — The 48 Google Sheet

The 48 Sheet

$9 one-time

The spreadsheet every lesson uses — pre-built, live formulas, ready in 2 minutes.

  • Account list & net worth tracker
  • Budget ledger with live formulas
  • Cash flow & vault tracker
  • Debt inventory sheet
  • Sunday Check-In dashboard
  • Stage progress tracker
  • 2026 workbook (one year per file)
Stage 2 — The Payoff Bundle

The Payoff Toolkit

$37 one-time

The how behind the what — including negotiation scripts that can shave 10–15% off your debt before you even start.

  • Debt Payoff Sheet — Avalanche & Snowball side-by-side
  • Personalized payoff date & monthly schedule
  • Total interest saved calculated automatically
  • Negotiation Scripts Pack — word-for-word phone scripts
  • Lower APR, remove late fees, settle collections
  • Balance Transfer Decision Tool
Stage 3 — The Build Bundle

The Build Bundle

$47 one-time

Exactly which accounts, which funds, in which order — with the math already done.

  • Account Decision Tree (401k → Roth → HSA → brokerage)
  • Three-Fund Portfolio Sheet — VTI / VXUS / BND splits by age
  • Rebalancing math automated
  • Compound Interest Calculator (10/20/30/40-year projections)
  • Tax-Loss Harvesting Cheat Sheet
  • Wash sale rules & when it's worth doing
Stage 4 — The Freedom Bundle

The Freedom Bundle

$97 one-time

Advanced optimization for people with money to protect, grow, and eventually pass on.

  • Tax Strategy Sheet — Roth conversions, mega backdoor Roth, HSA
  • Retirement Withdrawal Sheet — 4% rule, sequence-of-returns
  • Geographic arbitrage calculator
  • Estate Document Pack — will, POA, healthcare directive
  • Quarterly Money Date Review Template (couples-ready)
  • Beneficiary & TOD designation tracker
For Everyone

Add-ons for any stage.

These two products work alongside any stage toolkit.

All Stages Google Sheet

Annual 48 Sheet Refresh

$9 per year

A fresh workbook every January — roll your data forward without starting from scratch.

  • New workbook each January (2027, 2028, 2029…)
  • All formulas & structure pre-configured
  • Instructions to roll data forward from the prior year
  • Immediate download on release
All Stages Add-on

The Couples Edition

$10 add-on

Any stage, any sheet — modified for two incomes, two accounts, one shared wealth goal.

  • His/her income tracking in one sheet
  • Joint + separate account structure
  • Shared net worth with individual debt columns
  • Couple's Sunday Check-In template
  • Compatible with any IBW stage sheet
Why IBW Tools

Built to be used, not just bought.

Pre-configured

Every formula, category, and structure is already in place. You fill in the numbers — that's it.

Stage-matched

Each tool is designed for a specific Money Map stage so it matches exactly where you are right now.

Paired with free courses

Every paid tool has a free course that teaches you how to use it. Learn the system, then run it.

Coming Soon

These tools are in production.

Drop your email and we'll notify you the moment your stage's toolkit launches. IBW list members get first access and launch pricing.

Get notified at launch

First to know. First to save. Launch pricing only goes to the list.

Find Your Starting Point

Not sure which stage you're at?

Take the free Money Map Quiz. It takes 2 minutes and tells you exactly which stage you're in — and which tool to grab first.

Take the Quiz — It's Free →