β
How to Use in Notion
- Open Notion.
- Mark each of the steps you follow.
- Subscribe to https://www.byobanking.com/ for more guides.
π Month 1 β Lay the Groundwork
- [ ] Calculate your current net worth (assets β liabilities)
- [ ] Track all expenses for the month (use YNAB, Monarch, or Excel)
- [ ] Set your FIRE number (25Γ 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 10-100β¬ 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.
π Month 2 β Build Financial Safety
- [ ] Create a budget and savings goal (aim for 30β50%)
- [ ] Build an emergency fund (3β6 months expenses)
- [ ] Allocate 10% of portfolio to cash/stablecoins
- [ ] Research hardware wallets (Ledger, Trezor)