The new way to quickly, easily, and securely plan your financial future.

Are you set for retirement? Have you completed a financial planning class? If you are like most people, you know the answers are no. We live in a time of great uncertainty, which has affected so many financially. Personal financial planning has never been more critical than today. However, planning is often time-consuming, complex, confusing, and costly. The most popular personal financial planning books offer advice but rarely provide corresponding tools to implement a plan. Less than 1% of the US population uses a certified financial planner due to the high costs. Financial institutions offer planning help but are motivated to upsell their products and services. There are many online tools, but they expose your data to tracking and exploitation.

Everyone Can Plan, the book, is a companion to Seed, a financial planning app for mobile phone users. The app is available for purchase on iOS, macOS, and Android. The purpose of the book is to allow anyone to produce a financial plan quickly and securely. It steps the reader through financial basics, the reasons to plan and save, and a step-by-step process to build and optimize a multi-year plan using the app. Note that creating a plan using this book requires purchase of the app.

This book has six chapters.

Finance 101 - basic information on personal finance. Please skip if you do not need this.
Why plan? - items of interest that might help drive further planning and possibly help convince others you want to be a part of the planning decisions.
Create a plan - with four steps. It uses an example family and finances to illustrate a plan.
- Add current finances - List current income, expenses, assets, and debt
- Set goals - Set short and long-term wishes that guide your decisions and actions
- Add future events - Emergency fund should be the first
- Review every month - Revisit the plan often and adjust as your life changes
Future events - additional insight on modeling your future and its impact on your finances.
What now? - making sense of your plan and what to do next.
Appendix - details of the Seed app design elements, specifications, retirement pension support by country, accessibility, and calculators.

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