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Chapter 8 · Hitting A Financial Grand Slam

Money Efficiency Audit

Audit where your money sits and spot practical improvements. Rate comparisons are for comparable cash accounts only—not investment-return forecasts.

Audit date (optional)

Date of this audit

Where your money sits

Checking account
$
%
%
Interest / yr—
Potential gain—
Savings account (primary)
$
%
%
Interest / yr—
Potential gain—
High-yield savings
$
%
%
Interest / yr—
Potential gain—
Money market account
$
%
%
Interest / yr—
Potential gain—
CDs
$
%
%
Interest / yr—
Potential gain—
401(k) / workplace plan
$
%
IRA / Roth IRA
$
%
Brokerage account
$
%
Other
$
%
Total listed balances$0.00
Current annual cash interest (est.)$0.00
Potential annual gain$0.00

For a cash comparison, enter both rates as APYs (e.g. 4.25), choose Yes, and use the same balance. Gain = balance × (proposed APY − current APY) for one year. Investment accounts default to No: past returns aren't guaranteed interest. Negative current returns are excluded from cash estimates.

Action items

Estimated additional annual cash interest$0.00

Before moving cash, review access needs, insurance coverage, fees, minimum balances, rate terms, and any CD early-withdrawal penalty. This worksheet doesn't fetch live rates or recommend providers.

Educational planning tool; not personalized financial advice. Nothing you type is saved or sent anywhere — use Save as PDF to keep a copy.