We’ve all been there — wondering how our savings, spending, and investment decisions measure up. Do we need to save more? Is our burn rate too high? Is debt slowly choking our financial potential? These questions can feel overwhelming, especially when traditional financial advice often hinges on 30-year forecasts and complex spreadsheets.

That’s why I’m excited about the Elements approach — an innovative way to see your Financial Vitals at a glance. Below are some of the core “vitals” Elements tracks to give you clarity on your financial health:

1. Savings Rate (Sr)

• Measures what percentage of your income you manage to save.
• A higher savings rate often indicates healthier financial habits and less reliance on debt.

2. Burn Rate (Br)

• Shows how quickly you’re spending your available funds.
• Keeping this rate in check helps ensure you’re living within your means.

3. Debt Rate (Dr)

• Indicates how much debt you’re carrying relative to your income or net worth.
• A lower debt rate can free up resources for investing or other long-term goals.

4. Equity Rate (Er)

• Reflects the portion of your assets that aren’t financed by debt (e.g., the equity in your home).
• The higher the equity, the more of your wealth is truly “yours.”

5. Insurance Rate (Ir)

• Gauges whether your insurance coverage (health, life, property, etc.) is adequate compared to your overall financial picture.
• Protecting what you’ve built is just as important as growing it.

6. Tax Rate (Tr)

• Tracks how much of your income goes to taxes.
• Staying aware of this helps you strategize and potentially minimize tax burdens.

By focusing on these core metrics, you can spot issues (like overspending) and celebrate wins (like steadily building savings) without drowning in complicated spreadsheets or multi-decade projections.

Try the Free Static Version

Ready to see how these vitals look for you? Click below to set up the free static version of Elements. You’ll get a one-time snapshot of your key numbers — an easy way to dip your toes in and see how straightforward financial “vitals” tracking can be.

➡ Try Elements for Free

Once you enter a few basics — like your income and expenses — you’ll receive an at-a-glance snapshot of where you stand. If you like what you see and want the real-time, always-updated version (plus my ongoing support), let’s talk about upgrading to the live dashboard with personalized check-ins.

What to Expect

• Easy Setup: Input your numbers to get immediate insights — no complicated data import.
• Crucial Metrics: See how you’re doing on savings, spending, debt, and more, all in a user-friendly format.
• Next-Level Support: If you decide you want ongoing tracking or deeper advisory services, I’ve designed affordable monthly plans that fit your life (and budget).

Don’t settle for “I hope I’m doing okay” — get the clarity you deserve. Start with the free static version of Elements to see how it all works. And if you’re ready for full financial insight, I’m here to help you take it to the next level.

Disclaimer: This post is for informational purposes only and should not be considered financial or tax advice. For specific guidance tailored to your individual situation, consult a qualified professional.