Financial Dashboard
Your complete financial picture at a glance
Net Worth (Est.)
$0
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Monthly Savings
$0
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Retirement on Track
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Set goals to calculate
Goals Active
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Wealth Growth Projection
Active Goals
As you add goals through your planning tools, they will appear here with progress tracking, timelines, and next steps.
Cash Flow Allocation (Income Optimization Framework)
Retirement Planner
Model your path to financial freedom
Your Information
Current Age
Retirement Age
Annual Income ($)
Current Savings ($)
Savings & Investment
Monthly Contribution ($)
Expected Return (%)
Employer 401(k) Match (%)
Retirement Needs
Annual Expenses ($)
Life Expectancy
Inflation Rate (%)
Social Security
Est. Monthly SS Benefit ($)
⚠️ Projections are hypothetical estimates based on your inputs and assumed rates. Actual results will vary. Not investment advice. Earnings Disclaimer
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Enter your details and calculate
Your personalized retirement projection will appear here with charts, scenarios, and insights.
College Savings Planner
Before, during & after — 529 plans, student loans, graduation strategies
🎓 Complete College Financial Guide
📅 Before College
529 plans grow tax-free. $200/mo at birth = $80K+ at 18. File FAFSA every Oct 1. Compare financial aid packages carefully.
🏫 During College
Subsidized loans first. Apply for scholarships every semester. Work-study preserves need-based aid. Stay under borrowing limits.
🎯 After Graduation
Income-driven repayment caps at 10% of income. PSLF forgives after 10 yrs public service. Income Snowball pays loans in 2-5 yrs.
Average student loan takes 20 years to repay. The Income Snowball cuts that to 2–5 years.
Child Information
Child's Name
Current Age
College Details
College Type
Annual Cost Today ($)
Current Savings
529 Balance ($)
Monthly Contrib. ($)
Investment Return (%)
College Inflation (%)
⚠️ College cost projections use estimated inflation rates and assumed investment returns. Actual costs and returns will differ. Earnings Disclaimer
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Enter your child's details
Your college savings projection will appear here with funding gap analysis and recommendations.
My Goals
Your personalized financial roadmap
My Financial Plan
Your complete personalized financial report
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Ready to turn this plan into real action?
Dave Ivery · Certified Financial Coach · PFSA Member · Free 30-min Meet & Greet
It's Ownly Money
AI Financial Planning Platform · itsownlymoney.com
Personal Financial Plan
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Your plan will build here
As you use the retirement planner, and college planner, your personalized report will populate automatically.
Cash Flow System
Every dollar optimized — not a budget, a system
The 3-Channel System: Live (needs) · Free (wants) · Grow (wealth). Enter your numbers and see exactly where every dollar should go.
💰 Monthly Income
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$
🏠 Fixed Expenses
$
$
$
$
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🛒 Variable Spending
$
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Results update live
Enter your income and expenses on the left — your cash flow analysis appears here instantly.
Debt Freedom Accelerator
Eliminate your mortgage & all debt in 7–10 years — your personal financial GPS
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Interest Rate vs. Interest Volume
Your interest rate is fixed — but your interest volume changes every month. The more you owe, the more interest you pay. On a $300K mortgage at 7%, up to 60% of your payment is pure interest in early years — money that never touches principal. Money Max targets volume, not just rate.
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Your Financial GPS
Just like a GPS recalculates when you take a wrong turn, the Money Max Account recalculates every time you make a purchase. It monitors 24/7, tells you exactly which debts to pay, how much, and when — and shows you the exact date you'll be debt-free.
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No Lifestyle Changes Required
You don't need a raise, a second job, or to stop eating out. The system identifies dollars already slipping through your budget and redirects them strategically. One client cut $9/day from expenses and saved $57,600 in interest — and eliminated 2 years of mortgage payments.
Mortgage Details
Loan Balance ($)
Interest Rate (%)
Monthly Payment ($)
Years Remaining
Other Debts (optional)
Credit Card Balance ($)
CC Rate (%)
Auto / Personal ($)
Rate (%)
Acceleration
Extra Monthly Toward Principal ($)
Strategy
💡 Want a smarter plan? The Money Max Account calculates the mathematically optimal payoff sequence for your exact situation.
⚠️ Projections assume consistent payments and stable rates. Velocity banking involves financial products with their own risks. Not professional financial advice. Full Disclaimer
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Enter your debt details
See exactly when you'll be debt-free and how much interest you'll save. Then get your personalized Money Max savings report for the full picture.
Passive Income Engine
Build income streams that work while you sleep
ℹ️Note: Dave Ivery is a Licensed Digital Real Estate Agent with E-Estate. E-Estate investments involve risk including possible loss of principal. Income projections shown are educational estimates, not guarantees. See Full Disclaimer →
✅ Licensed Digital Real Estate Agent · E-Estate
Licensed Digital Real Estate Agent · E-Estate Platform
E-Estate Active Income Platform
E-Estate lets you earn active income Mon–Fri through structured investment lots that pay returns for 18 months. Start with any amount, reinvest profits to compound into larger tiers, and build a predictable income stream — no landlord headaches, no stock market volatility.
📅 Mon–Fri Returns
⏱ 18-Month Lots
🔄 Reinvest to Compound
🆓 Free Account
⭐ Affiliate Partner · Fund&Grow
The Capital Strategy Most People Never Discover
Fund & Grow Your Future
Most people don't have the capital to start investing — so they wait. Fund&Grow changes that. In their free masterclass, CEO Ari Page reveals how to access $50,000–$300,000 in 0% APR business credit with no collateral and no impact on personal credit. Use that capital to fund your passive investments, launch or scale a business, or both.
This is how you stop waiting for "enough money" and start building wealth with the system's own tools. Over 35,000 entrepreneurs have used this strategy — and they've collectively received more than $2 billion in funding.
This is how you stop waiting for "enough money" and start building wealth with the system's own tools. Over 35,000 entrepreneurs have used this strategy — and they've collectively received more than $2 billion in funding.
In the free masterclass you'll learn:
✅ How to access up to $300,000 at 0% APR
✅ How to use business credit to fund passive investments
✅ How to form a lendable business entity
✅ Why applications get denied — and how to fix it
✅ How to use any credit card like a line of credit
✅ How to use business credit to fund passive investments
✅ How to form a lendable business entity
✅ Why applications get denied — and how to fix it
✅ How to use any credit card like a line of credit
0% APR Intro Rate
No Collateral Required
35,000+ Clients
$2B+ Funded
Free to Attend
0% APR intro rate applies for 6–18 months; standard rates (15–25% APR) apply after. Requires personal credit check and personal guarantee. Up to $300K for well-qualified clients over a 12-month membership. Average client obtains $50K–$150K. Individual results vary significantly. You are personally liable for all debt incurred. Consult a financial advisor before proceeding. Affiliate Disclosure
Other Income Streams
🌨️Tardus Income SnowballReplace your paycheck with passive income in under 10 years using a patented system.
📈Dividend InvestingBuild a portfolio of dividend-paying stocks and ETFs that generate recurring quarterly income.
🏢Real Estate (REITs)Invest in real estate without being a landlord. REITs pay regular distributions from rental income.
💼Business CreditUp to $300,000 in 0% APR business credit — no collateral, no high-interest loans. Fund&Grow makes it possible.
🏦High-Yield SavingsPark your cash in high-yield accounts while you build larger income streams.
📝Peer Lending / NotesEarn interest by lending through platforms that fund real estate and personal loans.
The Income Snowball Method
The only patented way to replace your paycheck with passive income in 10 years or less
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Phase 1 — Debt Elimination
Use your existing cash flow to systematically eliminate all debt — including your mortgage — faster than you thought possible. Average clients pay off $85K+ in 21 months.
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Phase 2 — Cash Flow Building
Redirect freed-up debt payments into income-producing assets. Each freed dollar becomes a snowball that grows larger with every payment eliminated.
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Phase 3 — Income Replacement
Passive income streams grow until they fully replace your W-2 income. At this point you work because you want to — not because you have to.
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Free 6-Figure Investment Income Mini-Course
Learn the exact strategies the top 1% use to build wealth — now available free to It's Ownly Money members.
⚠️ It's Ownly Money participates in Tardus's affiliate program and may earn compensation for referrals. Strategy sessions and mini-courses are provided by Tardus Wealth Strategies. Results vary. See Affiliate Disclosure and Earnings Disclaimer.
Markets & Investment Education
Market snapshot · Investment education · Affiliate partners
Financial Education Center
Learn at your level — personalized from where you are right now
XP: 0
Your Progress
0 of 0 lessons · 0 XP
🧠
Take the Financial Knowledge Assessment
5 quick questions to find your starting level so we can personalize your learning path
Learning Modules
Upcoming Payments & Reminders
Financial Report Card
Progress on your terms — celebrating every goal you set for yourself
💡 Your goals, your grades. Not everyone wants to be rich — and that's perfectly fine. Your report card is graded entirely on the goals you set, not on some external standard. An A+ means you're crushing what matters to you.
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Set your goals to get graded
Use the planners to set financial goals, then come back here for your report card.
💰 My Money
All accounts, balances, income & bills — updates your entire plan automatically
Total Assets
$0
Everything you own
Total Liabilities
$0
Everything you owe
Net Worth
$0
Your true financial position
Monthly Cash Flow
$0
Income minus bills
Income Sources
Bills & Subscriptions
🤖 AI Money Insights
Add your accounts above and I will analyze your complete financial picture — highlighting opportunities to reduce interest, grow savings, and accelerate your goals.
📊 Tax Strategies
Insider secrets from a former IRS Agent — keep more of every dollar you earn
What the IRS Doesn't Want You to Know
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Entity Structure is Everything
Most LLCs are structured wrong. An LLC taxed as an S-Corp at $100K+ profit can save $5,000–$15,000/year in self-employment tax alone — just by splitting income between salary and distributions. The IRS won't tell you this.
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The Home Office Strategy
If you use a dedicated space exclusively for business, you can deduct a percentage of your rent/mortgage, utilities, internet, and insurance. S-Corp owners can be reimbursed tax-free through an accountable plan — money out of the business, tax-free in your pocket.
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Retire Rich AND Cut Your Tax Bill
A Solo 401(k) lets self-employed owners contribute up to $70,000/year tax-free (2025). At a 30% tax rate, maxing it saves $21,000 in taxes. Pair with ShareBuilder 401k for easy setup.
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Vehicle & Mileage Deductions
The 2025 standard mileage rate is 70¢/mile. If you drive 15,000 business miles, that's a $10,500 deduction. Alternatively, buy an SUV over 6,000 lbs GVWR and use Section 179 to deduct 100% of the purchase price in year one (up to $2.5M under OBBBA 2025).
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Bonus Depreciation — 100% in 2025
The One Big Beautiful Bill Act (2025) restored 100% bonus depreciation. Buy equipment, computers, or qualifying property before Dec 31 and write off the entire cost in year one. A $50,000 equipment purchase could save $15,000 in taxes immediately.
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Qualified Business Income (QBI) Deduction
If you're a sole proprietor, LLC, or S-Corp, you may deduct up to 23% of qualified business income from your taxable income (rising from 20% starting 2026 under OBBBA). On $150,000 business income, that's a $34,500 deduction — pure savings.
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Health Insurance 100% Deductible
If you're self-employed, your health insurance premiums — for you, your spouse, and dependents — are 100% deductible as an above-the-line deduction. This reduces your AGI, not just your Schedule C. Most business owners miss this or under-report it.
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Accountable Plans — Tax-Free Money Out
Business owners can reimburse themselves tax-free for any legitimate business expense through an accountable plan. Office supplies, phone bills, internet, meals, education — the business deducts it, and you don't report it as income. Carlotta says this is the strategy most accountants skip.
💡 Quick Tax Savings Estimator
Is This Training Right for You?
✅Business owners
✅1099 contractors & freelancers
✅Real estate investors & landlords
✅Side hustle earners
✅Farmers & agricultural businesses
✅Anyone who wants to pay less tax legally
3,707 previous attendees saved an average of $37,680 each from this free training alone. Budget 2 hours. It could be the most profitable 2 hours of your year.
Tax Strategy Questions
Click any question for a detailed answer
⚠️ This section provides general tax education only. It is not tax advice. Consult a qualified tax professional before implementing any strategy. It's Ownly Money participates in an affiliate program with Tax Strategists of America and may earn compensation for referrals. Full Disclaimer
🧮 Financial Calculators
All your calculators in one place — debt, mortgage, retirement, savings, auto, and more
🔓 Debt Payoff Calculator
Get your exact debt-free date and total interest saved
Total Debt Balance ($)
Interest Rate (%)
Monthly Payment ($)
Extra Monthly ($)
Payoff Strategy
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Enter your numbers
Results update automatically as you type
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Want a personalized strategy based on your results? Book a free session with Dave Ivery — a Certified Financial Coach who can build a step-by-step action plan.
About Dave Ivery
Author · Coach · Speaker · Certified Financial Education Instructor
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Certified Financial Education Instructor · PFSA Member
Dave Ivery
US Air Force. Author of 2 books. Interviewed 50+ times. 17 years helping people access capital, eliminate debt, and build lasting wealth — at Dodger Stadium, Disney World, and in living rooms across America.
✈️ US Air Force
📚 2x Author
🎤 50+ Interviews
📅 17 Years Experience
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NFEC Certified Financial Education Instructor®
National Financial Educators Council
The CFEI® is the gold standard in financial education — the only credential issued by an IACET-accredited organization and approved by the CFP Board of Standards. Dave has met the highest national standards for knowledge, pedagogy, and measurable learner outcomes.
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Personal Finance Speakers Association
NFEC · PFSA Member
Member of the first national bureau of certified finance speakers. Dave has spoken on behalf of Kellogg's, Roadway Trucking, Six Flags of America, the US Army, and the Negro Baseball Museum — at Dodger Stadium, Disney World, and major events nationwide.
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Partner — Kevin Harrington
Original Shark · Shark Tank
Dave partners with Kevin Harrington — inventor of the infomercial, original Shark on Shark Tank, and creator of $10B+ in business value. Together they help entrepreneurs build, fund, and scale businesses through advisory, marketing, and coaching programs.
The WealthWorks360 Strategy
Dave developed a proprietary methodology called WealthWorks360 — with a 100% success rate improving cash flow and reducing expenses while connecting clients to the best financial services available. The strategy integrates business financing, credit optimization, tax reduction, insurance, and passive income into one cohesive wealth-building system. It's the foundation behind everything in this platform.
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Business Finance
Lending, expense management, benefits
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Personal Finance
Cash flow, credit, investments
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Tax Strategies
Reduction, credits, elimination
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Insurance
Protection & estate planning
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Ready to build your plan?
Book a free 1-on-1 session with Dave. He'll review your numbers, show you your debt-free date, and map out your 5-year wealth plan.
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Your Financial Report Card
View your grades, goals, and progress →
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Your Goals
Manage your active financial goals →