Member Start Here

Choose one decision to work on today. You do not need to complete every tool or workbook.

Open your member resource library · My account

Sign in with the email you used at checkout. These instructions are public; member resources require an active paid membership.

Choose your first step

• Changing pay and bills: Working Paycheck Planner

  Enter income and bill dates, then calculate the plan. For a guided household exercise, use the Variable Pay Household Planning Workbook.

• Debt decisions: Debt Payoff Comparison

  Compare repayment scenarios using balances, rates and payments from your own records. Results depend on your assumptions.

• Retirement benefits: Match Formula Explorer

  Model an employer match using your actual plan documents. The Workplace Retirement Organizer helps you record questions and benefits; it does not select investments.

• Side income and business: Itemized Startup Cost Planner

  List setup and recurring costs before committing money. The Side-Gig Profit and Pricing Workbook helps organize your own pricing calculations.

• AI for Work & Real Life: AI Practice Workbook

  Start with a fictional, low-risk task. Check employer rules, keep private information out, and verify the result.

Calculators and worksheets do different jobs

Interactive calculators produce scenario results from your inputs. Expanded workbooks organize your answers and decision process; they do not automatically calculate every worksheet. Use the separate calculators when an exercise calls for numbers.

Save and reopen your work

1. Choose Save local plan or Save local workbook where offered. On iPhone, choose Save to Files in the share sheet, or use the download link.
2. Confirm the file exists before closing the page. There is no automatic or cloud saving. Refreshing can erase unsaved entries.
3. Return to the same tool while signed in, choose Open saved plan/workbook, select the file, and confirm replacement. Review the restored values.

Files contain your entries and are not encrypted by FSF. Use general labels, not account numbers, passwords or private employer records.

Print your report

Calculate or review your answers first, then choose the print button. On iPhone, open the page in Safari rather than an app’s embedded browser. If the button does not open a preview, use Safari Share → Print. Check every page for clipping before printing or saving the print output.

Use calendar reminders

In the Working Paycheck Planner, choose an export date range and download the calendar (.ics). This is a dated snapshot, not automatic synchronization or bill payment. Use generic event names; amounts are optional. Import into a separate calendar and check dates and reminder times. Before replacing an earlier import, remove its old events to avoid duplicates. Calendar apps may alter reminders, so verify phone notification settings. Use Google Calendar on desktop for import; on iPhone, open the file in Apple Mail and follow the available calendar options. Saved planner changes do not update previous calendar imports.

Manage your membership

In My account, use Update Billing Info to manage payment details securely in Stripe, or Cancel to stop future renewals. Cancellation normally retains access through your paid-through date and does not itself refund a payment.

Membership is $39/year plus applicable tax, automatically renewing until canceled. Request a full refund within 14 days of the initial or renewal charge at hello@forgingsmartfutures.com. A full refund of the current membership payment ends access and future renewals. Read the membership terms.

Need help?

Email hello@forgingsmartfutures.com with the tool name, browser, and what happened. For purchase/access questions, include your order reference. Never send passwords or card details. Keep saved planning files on your own device unless you intentionally choose to share them.

Elementum Holdings LLC provides general education, not individualized financial, investment, tax, legal or credit advice.