PERSONAL FINANCE · ONE STEP AT A TIME
Never be money stressed again
One email. One step. Every month. Free.
For the person who's winging it financially and is tired of figuring it out alone. Give us 20 minutes a month and soon your friends will be calling you with money questions.
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. No ads, sponsored content or affiliate links ever.
The emails are always free. The additional accountability tools are $10/month.
And for the cost of a Chipotle burrito (inflation, yikes!), a $10/month membership comes with a new tab in your personal finance workbook plus a ton of pdf downloads (trackers, charts, planners). By Month 6, you'll have built 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 for people who feel left behind. All links are vetted and all info is sourced and verified by reputable sites.
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
Build your own personalized finance workbook. By you. For your actual life.
Every month you'll get a new tab for your personal finance workbook — pre-built, pre-formatted, just fill in your numbers. Every month you'll get a new tab for your personal finance workbook — pre-built, pre-formatted, just fill in your numbers. No formulas to figure out, no spreadsheet skills needed.
Month 1 tools are completely free — we'll eat the cost of your burrito — and include the workbook cover and your first tab. Here's what it looks like:
Here's how your workbook grows every month with premium
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 — the emails, the step-by-step guides. All of it. Paid members get the tools that make actually doing it a no-brainer: your personal finance workbook, printable trackers, and calculators built around your real numbers.
FREE PLAN
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
$10 / month · $100 / year *$20 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 much 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 burrito (we're committed to the bit, okay) — with a side of smug satisfaction knowing you helped keep it free for everyone else. You saint, you.
- WHY THIS EXISTS AT ALL
We made this for our 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 adulthood. 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 all. After a decade of researching and learning (and my fair share of mistakes) I get to give them what I never had — a financial starting point, a foundation to grow from. And I love that they're gaining confidence and getting set up in life so young.
Personal finance is a topic with a TON of emotional baggage — and not to mention how overwhelming it all is. This project is all about slowing it down into manageable chunks and putting everything in one spot so they can come back and review at their own pace, 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. They also suck, and we hate them. 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 we cover all the costs to keep this alive.
- THE COURSE
Where we’re going.
New subscribers always begin at Month 1. First we get you free money, then we stop the bleeding, then we set you up to actually build wealth, one step at a time. Each month builds on the last.
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
Subscriptions, kill the zombies.
Dead subscriptions are bleeding your account dry every month. We're going to hunt down the zombies, figure out which ones deserve to live, and put the rest in the ground for good.
MONTH 03
Budget without the suck.
Don’t live like a monk to reach your goals. Quick, simple system. Find your money, spend confidently.
MONTH 04
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 05
Investing stupidly simple.
One account. Ten minutes. Invest automatically and retire with millions for the price of a cup of coffee.
MONTH 06
Car ins. is ripping you off!
Brand loyalty is costing you thousands each year. Be ruthless, get better and way cheaper coverage.
Heads up — we're still figuring this out too. The order, topics, and content above are subject to change based on your feedback. What's helpful, what isn't, what you want more of — we're listening. This thing gets better because of you.
- 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. 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 nonsense. One email a month. Unsubscribe anytime.
ONE STEP MONTHLY
onestepmonthly.com · One email. One step. Every month.