OS tools

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Công cụ lập kế hoạch cá nhân

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Cuộc sống

I build practical tools for everyday money decisions — mortgages, subscriptions, property and energy. Creator of Assetli. My templates take one messy financial decision and turn it into a plan you can actually follow.

Most subscriptions are not expensive, they are invisible. Find every one of them, see what each costs per year instead of per month, and log what you cancel. Ten places to look, including the ones your bank statement never shows you.


Subscription Audit

Compare mortgage offers on what they actually cost, log every viewing while you still remember it, and see the closing costs before they surprise you. A 25-step checklist that explains why each step matters, not just what to do.

Home Buying Planner

Find out whether a rental property actually pays before you buy it. NOI, cap rate, cash-on-cash, DSCR and the stress test for when your fixed rate ends, plus a 29-point due diligence checklist and a market check that catches an inflated rent assumption.


Investment Property Analyzer

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