The free companion to the Four C's of Retirement Finances. No spreadsheet skills required — just plug in your numbers and see where you stand.

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Most retirement budget advice tells you to "track your spending." It doesn't tell you how, or what actually belongs in a retirement budget versus a working-years budget.

This worksheet does both.

It's built around the same Four C's framework from the video: Clarity, Comfort, Cost of Living, and Certainty. You enter your income and expenses once, and it automatically calculates your totals and your monthly surplus or deficit — no formulas to figure out, no formatting to fix.

What's Inside

• A monthly budget tab — income, seven expense categories built for retirement life (housing, healthcare, food, transportation, insurance, debt, personal/discretionary), and a savings/emergency-fund section
• An automatic Surplus/Deficit calculation — see instantly whether your numbers are working for you
• A 12-month Annual Tracker tab — log your actual spending each month against your budget, with a running Net total for the year
• Designed in the Still with Debra navy-and-gold, so it's easy on the eyes, not another gray spreadsheet

Who This Is For

Anyone thinking about retirement, newly retired, or a few years in and realizing the old budget doesn't fit anymore. You don't need to be "good with money" to use it — that's the point.

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