To author effectively you need tools. A couple tools I think are useful. One is AoF’s spreadsheet course over on Udemy. This course will teach you how to make an effective financial analysis tool using XL or another spreadsheet. I highly recommend. A spreadsheet allows actually granularity to be applied to the future and your projected need as opposed to the MMM 4th grade math approach. Granularity is how you move the ball rightward on the Galton Board. Granularity implies the application of a Bayesian understanding to reality.
The second tool is Jordan Peterson’s self authoring tool It’s not a financial tool per se but a means to create and add and record granularity to your narrative, and make a record of the thought process. Memory is a vital component of creating the future. If you can’t remember what you were thinking or doing accurately you can’t adjust the probabilities. Sometimes it becomes evident the scheme needs whole sale revision and future directed journaling is quite useful. It is a means to grow your tree of life and it can not be done wrong. Here is a 2 second example
“my time is my own so this course is to find how to spend my time. I want enough to live without the need to work or worry about finance. I want enough to be able to provide for catastrophic situations. I want enough to see my kids get a BA or BS degree the prestige of the school is not relevant, getting educated is relevant”
By writing down short statements needs and wants get specifically elucidated and a plan can be developed around each and later modified because you will be able to actually remember what you were thinking. The Peterson tool is specifically designed to create future narratives which can have a high probability of success since they are directed and not just sitting down with Notepad and creating pages of gobbledygook. If you want to pound in a stake you need a hammer. To pound in a BIG stake, BIG hammer
The journal provides the narrative and nthe spreadsheet provides the quantitative means to understand funding the narrative. Big Hammer