Build Your First Cash Plan

This is where understanding becomes action.

Over the next couple of hours, you'll build a forward-looking picture of your household's money—not just where it is today, but where it needs to go over the coming months.

Take your time. There is nothing to rush. Your cash plan remains under construction until you're ready to put it to work.

Download You Need A Cash Plan and begin your free 60-day trial.

Run YNACP on any Mac - Intel or Apple silicon - with Parallels Desktop or a virtualization software of your choice. Or do as other Mac users have done, buy a Windows laptop for the sole purpose of running You Need A Cash Plan.

Why There is No "Quick Start" Button:

A better understanding of your money isn't built in 60 seconds. It's built by creating a cash plan you'll trust for years.

Building a true cash plan is an intentional, reflective process. It requires pulling together your real financial picture so you can map out a clear, forward-looking 12-month horizon.

Expect to spend a couple of hours on this setup . There is zero pressure to rush. The platform is built so you can work completely offline, entirely at your own pace, step-by-step. Your cash plan remains completely inactive and under construction until the day you choose to go live.

The first time you run the program the Help page is opened. To get started on your cash plan, click on the Cash Plan icon to open the menu and then click on Getting started.

Open the Options window (upper right corner) to change how the program handles your clicks on browser links and email addresses.