Your Investment Commitment Contract

Why Conflicting Goals Matter

Most 22-29 year olds have competing financial goals pulling them in different directions: saving for a house requires safety and liquidity, while building retirement wealth requires growth and patience.

Trying to optimize for both simultaneously often means you make progress on neither. Your policy statement explicitly acknowledges this tension and gives you rules for managing it.

What We'll Identify

• Your primary financial goal and timeline
• Any secondary competing goal
• The specific tension between them
• How to allocate resources without sabotaging either

Pre-Commitment is Power

The best time to make a financial decision is NOT when you're emotional—it's right now, when you're calm and rational.

Your policy statement creates specific rules written in first person that you commit to BEFORE the tempting moment arrives. When the market drops 30% and you're panicking, you'll have a pre-made decision to fall back on.

Rules You'll Create

• How each goal's money should be invested
• What you'll do during market downturns
• How you'll handle FOMO and social pressure
• When (if ever) you'll break the rules

The Real Cost of Breaking Rules

It's easy to break your investment rules when you don't see the consequences. We'll show you exactly what each deviation costs—in real dollars.

What You'll See

• Dollar cost of panic selling during downturns
• Lifetime cost of missing your employer match
• Impact of raiding one goal to fund another
• What waiting "just one more year" actually costs

When you see that panic selling during a 30% drop could cost you $87,000+, suddenly staying the course doesn't seem so hard.

Version 6.2.2

What is an Investment Policy Statement?

An Investment Policy Statement (IPS) is a commitment document that outlines your investment goals, strategies, and rules. Professional investors and institutions use them to maintain discipline during emotional market conditions.

This tool creates a personalized IPS designed for young professionals with competing goals—like saving for a house while building retirement wealth.

What This Tool Does Differently

Most IPS templates are static PDFs you fill out and forget. This tool is a diagnostic behavior-change engine that:

• Diagnoses your specific tensions — competing goals, missing foundations, behavioral patterns
• Quantifies the cost of breaking your rules — so "stay the course" becomes a $50,000+ decision, not abstract advice
• Creates pre-commitments in your own words — first-person statements you wrote when calm, ready for when you're panicking
• Routes you to your next step — based on what's actually holding you back, not generic advice

The result: a document you'll actually reference when the market drops 30% and your brain screams "sell everything."

Prerequisites

This tool documents decisions you've already made. Before creating your IPS, you should complete:

• Smart Risk Profiler – to determine your investment risk tolerance
• Smart Portfolio Builder – to identify your target asset allocation

Links to both tools are provided in Step 5 if you haven't completed them yet.

Important Disclosures

• This tool provides educational information and general guidance only. It does not constitute personalized financial advice.
• Your individual circumstances may require different strategies.
• Past performance does not guarantee future results. All investments carry risk, including possible loss of principal.
• Consult with a qualified financial advisor before making investment decisions.

About Future Millionaire Playbook

Created by Raymond Sura, CRPC®, EA, with decades of experience at major financial institutions. Our mission: help 22-29 year olds build wealth through education, not advice.