Library
Plain-language guides and checklists for the money decisions families put off.
Compiled by N. Jayakanthan, Richmond, Virginia
3 documents
Workplace benefits
2027 plan year
A section-a-page checklist for benefits elections: health plan, HSA and FSAs, life and disability, 401(k), ESPP and RSUs, beneficiaries, fraud defenses, and 529 college savings, with the downsides of each.
Budgeting
Google Sheets kit with statement importer
One sheet for income, spending, savings, transfers and rental properties against a monthly budget. Import QFX or CSV downloads from your banks; it skips duplicates, pairs transfers between your own accounts and learns your merchant categories. No add-ons, no bank logins.
Estate planning
Will and Trust
Wills, Revocable Living Trusts and Transfer on Death Deeds in Virginia, explained in plain language.