The Wealth Accelerator Roadmap

I didn't grow up around money.

Nobody in my house talked about budgeting, investing, or credit scores. We just tried to get by.

What I know now, I learned through years of trial and error — and procrastination. I avoided my finances for longer than I'd like to admit.

Inside this guide you'll find everything I've learned: what helped me pay off $50,000 of credit card debt and student loans, and build my portfolio to $1.7 million. No theory. Just the boring systems that finally worked — the ones I wish someone had handed me a decade earlier.

WHAT'S INSIDE — 8 SECTIONS, IN ORDER:

1. Know Where You Stand — the financial audit I avoided for years. Your four numbers, your net worth, your credit score. I thought my problem was income. It was clarity.

2. The Debt Truth — good debt vs. bad debt, and the real math on what minimum payments cost. Then the payoff strategies that got me out of $50,000 in debt: avalanche, snowball, consolidation, balance transfer.

3. The Emergency Fund — why this comes before investing, exactly how much you need, where to keep it, and how to build it while still paying down debt.

4. Budgeting That Actually Works — 50/30/20, zero-based budgeting, a full Monarch Money walkthrough, and the 10-minute Sunday money meeting. The system that survived my procrastination.

5. Credit as a Tool — how your score is really calculated, the utilization trick nobody told me about, and the 12–24 month plan to rebuild a damaged score.

6. The Investing Foundation — the account order that actually matters: 401(k) match → HSA → Roth IRA → brokerage. Which index funds to buy, and what to do when the market drops.

7. Building Toward Phase 3 — the 4% rule, your financial-freedom number, income-producing assets, and the 10-year vision I wrote for my own family.

8. Your 90-Day Launch Plan — take the quiz, find your phase, and start this week. The exact accounts to open, in order — the order I wish I'd followed a decade ago.

8 FILL-IN TEMPLATES — DO THE WORK AS YOU READ: Net Worth Snapshot · Debt Inventory + Payoff Tracker · Emergency Fund Builder · Monthly Zero-Based Budget · Credit Score Action Plan · Investment Account Checklist · 10-Year Financial Vision · 90-Day Launch Plan

WHAT YOU WON'T FIND HERE: Crypto hype, stock tips, or get-rich-quick promises. I'm not a stock picker — I'm someone who dug out of debt with boring, repeatable systems.

WHO IT'S FOR: Adults in their 20s, 30s, and 40s who earn money but feel like they're guessing. If you've been procrastinating on your finances like I did — this is the shortcut I wish I'd had.

ABOUT ME: I'm Nelson — Argentine immigrant, BYU finance, ex-Wall Street (Wells Fargo, Goldman Sachs), now a tech exec and real estate investor, father of five. I didn't grow up around money. Everything I know came from years of trial, error, and procrastination — this guide is the shortcut through all of it.

FAQ

• How do I get it? Instant download after checkout. Read it on your phone or print it.

• How long does it take? 37 pages. Read it in a weekend, use it for years.

• I'm drowning in debt — is this for me? That's exactly where I started. Phase 1 is the debt-killing phase.

• Is this financial advice? No — it's education. Everything I learned and actually use, explained simply. Not personalized advice.