The Wealth Operating System: A Systems-Driven Playbook for Financial Management, Investing, and Long-Term Freedom

By David Bryant

Build a simple "operating system" for your money-so you always know what to do next.

Most personal finance advice is a pile of tips. The Wealth Operating System turns your finances into a repeatable system: track the right metrics, automate the essentials, and run short reviews that keep you on course-without obsessing over every dollar.

Inside, you'll build a three-layer plan:

- Foundation: cashflow clarity, budgeting without misery, debt cleanup, and an emergency buffer

- Growth: tax-smart accounts, a durable investing plan, and consistent contributions

- Protection: insurance, identity safeguards, and an intentional legacy

What you'll learn (with templates you can use immediately):

- The Wealth Scoreboard: net worth, cashflow, and savings rate-the three numbers that drive everything

- The Cashflow Map: budgeting with guardrails, categories, and automation

- Debt Destruction: snowball, avalanche, negotiation, and the "stop new debt first" rule

- The Emergency Buffer Ladder: how much to keep, where to keep it, and when to use it

- The Account Ladder: 401(k), IRA, Roth IRA, HSA, and brokerage-what comes first

- Investing that works: index funds, diversification, rebalancing, and staying the course

- Bonds and cash tools: T-bills, ladders, and when to hold them

- Tax basics + advanced strategy: withholding, deductions/credits, backdoor Roth, mega backdoor Roth, and tax location

- Side income and small business: deductions + simple recordkeeping

- The Protection Stack: disability insurance, life insurance, umbrella insurance, and identity protection

Start fast: The "Quick Start (Your First 7 Days)" section helps you set up your scoreboard, automate key moves, and build momentum immediately.

Informational purposes only. Not financial, tax, or legal advice.

• Format: Paperback
• Language: English
• ISBN: B0GDTVMMZ3
• ISBN13: 9798242367494
• Release Date: January 2026
• Publisher: Independently Published
• Length: 224 Pages
• Weight: 0.67 lbs.
• Dimensions: 0.5" x 6.0" x 9.0"