PERSONAL FINANCE · ONE STEP AT A TIME
The money stuff nobody taught us in school.
Set yourself up for life — easily.
Hey, I get it. I didn't learn any of this until I was well into my 30s. I can't tell you how much farther along I'd feel if I'd learned it in high school or college. This stuff is actually easier than you think — it's just that no one took the time to walk you through it. That's what this is.
One email · One topic · One step · Every month
- THE BIG EASY IDEA
Every month just do one thing. That’s it.
Every month you’ll receive ONE email about a financial foundation topic — how to set up an emergency savings, apply for the credit card that’s actually right for you, fund a retirement account, etc. You’ll also get direct links to reputable accounts and sources, a quick how-to guide, and even an estimate of how long it’ll take to complete.
All for free.
And each month, you're not just learning — you're building! Every topic comes with a Google Sheet download that goes straight into your own personal finance workbook. By Month 6, you've got a badass, fully customized financial toolkit built around YOUR actual life. Yours to keep forever.
01
One email a month
Short, and to the point info for people who feel left behind. No affiliate links or terrible ads.
02
One thing to learn
Each month covers exactly one topic — deeply, clearly, and with examples that won’t melt your brain.
03
One step to take
Every email ends with one short, specific action. Knock that out, then build on it next month. See real world progress immediately.
- YOUR PERSONAL WORKBOOK
One tab a month. By Month 6, you’ve built something real.
And each month, you’re not just learning — you’re building. Every topic comes with a Google Sheet download that goes straight into your own personal finance workbook. By Month 6, you’ve got a fully customized financial toolkit built around your actual life. Yours to keep forever.
01
Get the tab in Email 1
Every email includes a link to that month's Google Sheet tab — your emergency fund calculator, your budget template, your credit tracker, and so on.
02
Copy it into your workbook
Save it right into your personal copy of the workbook. All the set up is taken care of, there’s no formulas to build. Just fill in your numbers and you’re good to go!
03
Watch it grow
By Month 6 you'll have a complete personal finance workbook — six tabs, six topics, all your real numbers. Built by you. Yours forever.
- NO ADS!? HOW DO YOU MAKE MONEY?
Every email is free.
Accountability tools are how we keep the lights on.
Every subscriber gets the full education for free. Paid members get the tools, walkthroughs, and printables that take it from easy to no-brainer.
FREE
Every Subscriber
Always free
Detailed breakdown in plain terms of 1 topic a month
Step-by-step account opening walkthroughs
Product comparisons with pros and cons
Direct sign-up links. No searching online
No affiliate marketing bias garbage
A feeling of real change — all in about 20 minutes
PREMIUM
Paid Members
$7 / month · $70 / year *$14 savings
Everything in free (obviously)
Your own personalized finance workbook
Downloadable spreadsheets & calculators
Printable savings & goal trackers
Accountability resources to help you reach your goals faster
Month 1 is fully unlocked for everyone — no credit card needed. In Month 2 we'll ask if the premium tools have been worth it to you. If yes, that's when you can upgrade your free subscription to Premium — all for the cost of a sandwich (with a side of smug satisfaction that you helped keep the free version free — Thanks!)
- WHY THIS EXISTS
I made this for my family. You just get to use it too.
I have younger cousins, siblings, nieces and nephews who never learned any of this stuff. Neither did I — not until I was well into my 30s. I kept thinking about how much further along I’d have been (a C+ student at best) if someone just took the time to walk me through it. That’s what I’ve been doing for them, and I love that they’re gaining confidence and getting set up in life so young.
This project is putting all those notes in one spot so they can come back and review at their own pace with no pressure. Because this is for them, that means no affiliate links, no ads, and no sponsorships. Those things make it impossible to give unbiased advice. This is just the information, explained as clearly and simply as possible.
My family is obviously getting the premium tier for free, but you gotta pay for it — sorry. That said, everything you need to make real financial change is in the free tier. Month 1 is fully unlocked for everyone so you can try out the accountability tools and see if they’re worth it. Otherwise enjoy the free ride!
🚫 No affiliate links.
Screw affiliates. Every recommendation is made because they’re actually good. When a better one comes along we’ll add it to the list.
🚫 No ads.
Ads feel like cancer. You’ll never see one here.
🚫 No sponsorships.
Nobody pays to have their product recommended. Ever.
✓ One revenue source.
You. Premium subscriptions and donations. That’s it. That’s how I keep the lights on.
- THE COURSE
Where we’re going.
Each month builds on the last. Start whenever you want — new subscribers always begin at Month 1. This first newsletter series is designed to give you a rock-solid financial foundation. From here you’ll be set up to do almost anything!
LIVE NOW
MONTH 01
Free money, seriously!
Your savings account is robbing you blind. Open a HYSA and put real money back into your pocket every single month.
MONTH 02
Budget without the suck
Don’t live like a monk to reach your goals. Quick, simple system. Find your money, spend confidently.
MONTH 03
Credit, a loaded gun.
Point it in the right direction. Get the best credit card for you and avoid being crushed by bad debt.
MONTH 04
Investing stupidly simple
One account. Ten minutes. Invest automatically and retire with millions for the price of a cup of coffee.
MONTH 05
Stop stealing my tax money!
You overpay every single year. Get that money back into your pocket; we’ll show you exactly how.
MONTH 06
Car ins. is ripping you off!
Brand loyalty is costing you thousands each year. Be ruthless, get better and way cheaper coverage.
- SEE INSIDE
What an email actually looks like.
Here's a peek at Month 1. Each email links to two pages on our site — Page 1 breaks down the topic so you actually get it, Page 2 walks you through exactly what to do. Half an hour a month. That's all it takes.
At the end of this, you’ll feel like an adult.
One step a month. No overwhelm. Just the stuff that actually matters, finally explained.
One Step Monthly
One email a month. One thing to do. Built for people who are ready to stop feeling behind.
No spam. No daily emails. One a month. Unsubscribe anytime.
ONE STEP MONTHLY
onestepmonthly.com · One email. One step. Every month.