✅ How to Use in Notion

1. Open Notion.
2. Mark each of the steps you follow.
3. Subscribe to https://www.byobanking.com/ for more guides.

🗓 Month 1 – Lay the Groundwork

• [ ] Calculate your current net worth (assets – liabilities)
• [ ] Track all expenses for the month (use YNAB, Monarch, or Excel)
• [ ] Set your FIRE number (25× annual expenses)
• [ ] Choose your FIRE flavor: Lean / Fat / Coast / Barista
• [ ] Open a brokerage account (e.g., Scalable, Trade Republic). Use my invite links to get extra 10-100€ depending on the account.
• [ ] Open a crypto exchange account (e.g., Binance, Coinbase, Kraken). Use my links to get up to 100 USD in BTC.

🗓 Month 2 – Build Financial Safety

• [ ] Create a budget and savings goal (aim for 30–50%)
• [ ] Build an emergency fund (3–6 months expenses)
• [ ] Allocate 10% of portfolio to cash/stablecoins
• [ ] Research hardware wallets (Ledger, Trezor)