30-Day Future Millionaire Challenge
Based on the Future Millionaire Playbook by Raymond Sura
This challenge works alongside the Future Millionaire Playbook. Complete each module's activities after reading the corresponding chapter to immediately apply what you've learned.
How It Works: 3 days per module × 10 modules = 30 days of financial transformation. Check off each task as you complete it. By day 30, you'll have built the essential habits that create millionaires.
Module 1: Mindset Mastery (Days 1-3)
Day 1:
Complete Financial Values Assessment
List and rank your top 5 financial values. Write one paragraph about why each matters to you.
Day 2:
Identify Your Money Story
Write about money messages from your childhood. Identify one limiting belief to challenge this month.
Day 3:
Create Investment Principles Document
Write 5 principles for your investing approach. Post them where you'll see them during market volatility.
Module 2: Financial Foundation (Days 4-6)
Day 4:
Set Up Essential Accounts
Open fee-free checking and high-yield savings accounts (aim for 4%+ APY).
Day 5:
Start Emergency Fund
Transfer any amount to savings. Set $1,000 goal and calculate weekly savings needed.
Day 6:
Enroll in 401(k) & Check Credit
Ensure you're getting full employer match. Get free credit score and review report.
Module 3: Income Acceleration (Days 7-9)
Day 7:
Research Your Market Value
Spend 30 minutes on Glassdoor/PayScale. Document salary range for your role and experience.
Day 8:
Identify One High-Value Skill
Research skills that could increase earnings 20%+. Enroll in one free course today.
Day 9:
Increase Automatic Savings
Implement "pay yourself first" - increase one automatic contribution by 1%.
Module 4: Conscious Spending (Days 10-12)
Day 10:
Track Every Dollar
Download spending app or create spreadsheet. Begin tracking all expenses by category.
Day 11:
Complete Spending Analysis
Categorize expenses as RI, RA, Needs, or Wants. Calculate joy-to-cost ratio for discretionary spending.
Day 12:
Eliminate Three Expenses
Cancel or reduce three expenses that don't align with your values. Redirect savings to investments.
Module 5: Investment Foundations (Days 13-15)
Day 13:
Learn About Index Funds
Read about index fund investing. Write three benefits for beginning investors.
Day 14:
Map Goals to Time Horizons
List financial goals by timeframe (0-2, 3-10, 10+ years). Match appropriate asset allocations.
Day 15:
Calculate Your Net Worth
List all assets and liabilities. Calculate starting net worth as your baseline.
Module 6: Investment Action (Days 16-18)
Day 16:
Take Investment Action
Open investment account or increase 401(k) by 1%. Move from saver to investor today.
Day 17:
Set Up Dollar-Cost Averaging
Automate monthly investment of any amount. Start with $25 if needed - habit matters most.
Day 18:
Review Asset Allocation
Ensure 401(k) isn't in cash. Choose age-appropriate allocation (high stocks if young).
Module 7: Debt Strategy (Days 19-21)
Day 19:
Create Debt Inventory
List all debts with rates and balances. Apply Six-Factor Analysis to prioritize repayment.
Day 20:
Research Student Loan Options
If applicable, review income-driven plans and forgiveness programs. Make informed decision.
Day 21:
Attack Highest-Priority Debt
Make extra payment on your highest-priority debt. Even $20 extra starts momentum.
Module 8: Protection Planning (Days 22-24)
Day 22:
Review Insurance Coverage
Verify health insurance and liability coverage. Focus on catastrophic protection.
Day 23:
Secure Digital Life
Enable 2FA on all financial accounts. Set up account alerts for transactions over $100.
Day 24:
Create Basic Legal Documents
Draft healthcare directive and financial power of attorney using online tools or employer benefits.
Module 9: Wealth Community (Days 25-27)
Day 25:
Identify Your Board of Directors
List 5 people for your personal board: mentor, expert, accountability partner, success model, contrarian.
Day 26:
Have One Money Conversation
Discuss financial goals with partner/friend. Practice healthy money communication.
Day 27:
Design Giving Strategy
Choose one cause and commit to regular contribution (time, talent, or treasure).
Module 10: Financial Integration (Days 28-30)
Day 28:
Define Financial Success
Complete: "I'll feel secure when...", "I'll have freedom when...", "I'll be fulfilled when..."
Day 29:
Create 5-Year Financial Timeline
Map major milestones and financial requirements. Schedule monthly/quarterly reviews.
Day 30:
Calculate Progress & Commit
Compare current to starting net worth. Write commitment letter to future self about continuing these habits.
Congratulations! You've Completed the Challenge
Next Steps: • Continue tracking monthly • Increase contributions quarterly • Review plan every 90 days • Keep learning and growing
"Financial success is ultimately determined not by your intentions or dreams, but by your daily habits." - Future Millionaire Playbook
Notes: _____________________________________________________________________________