The Full Ritual Stack — System + Debt Countdown + Subscription Audit + Emergency Fund (Excel + Google Sheets)

Four tools. One payday ritual. $81 of spreadsheets for $59 — save $22.

The Full Ritual Stack is everything a paycheck needs to do before it disappears: run the money (System), kill the debt (Countdown), stop the leaks (Audit Kit), and build the cushion (Emergency Fund). Each is a standalone product; together they share one logic — you decide on payday, not on the 28th.

What's in the stack

• The Payday Ritual System — 2026/2027 Edition ($37) — the 10-minute payday ritual: monthly dashboard, paycheck splitter, bill calendar, savings goals.
• The Debt-Free Countdown ($15) — snowball vs avalanche with your exact debt-free date, 96-month engine.
• The Subscription Audit Kit ($14) — find, cut and negotiate every recurring charge in 30 minutes.
• The Emergency Fund Builder ($15) — 0 to 6 months of cover, paycheck by paycheck, with milestones.

How it works

Instant download after checkout — four files, Excel and Google Sheets versions, no macros, no subscriptions. Open the System first; the Start Here tab of each tool takes under 10 minutes.

Buying one tool now and another later costs $81. The stack is $59. If you know you'll want the debt and emergency tools eventually, this is the cheaper path.

Guarantee

If the stack doesn't surface at least $500 in leaks, forgotten subscriptions and unassigned dollars in your first month, email us for a full refund.