A wealth leak is any financial habit, purchase, or obligation that consistently drains money without building anything. Most leaks are invisible — not because they're hidden, but because they're normalized. Everyone around you has the same ones.
This product exposes every leak, calculates the true monthly cost, and then shows you the future wealth being destroyed — not just the dollar amount you're spending, but what that dollar would have compounded into over 30 years at 10% return.
The math is confronting. That's the point.
WHAT'S INCLUDED:
EXCEL CALCULATOR — 4 tabs:
→ Your Leaks — 12 pre-loaded wealth leak categories (car payment, insurance, subscriptions, dining out, impulse shopping, credit card interest, lifestyle inflation, and more). Enter your monthly amounts. The spreadsheet calculates the 30-year wealth destroyed for each line item, assigns a priority rating (STOP / REDUCE / MONITOR), and delivers a live diagnosis of your total leak severity
→ True Cost Calculator — Car ownership true cost calculator. Enter your payment, insurance, fuel, maintenance, registration, and parking. Get your real monthly total — not the number on the dealer's ad. Then see the 10/20/30-year opportunity cost of that car vs. what you'd have if you'd kept driving something cheaper
→ Opportunity Cost Table — A reference grid showing the future value of $50 to $2,000/month invested at 10% annual return across 5, 10, 15, 20, 25, and 30 years. Plus a custom calculator where you enter your specific monthly amount and see exactly what you're giving up
→ Action Plan — Auto-populated priority list of your highest-impact leak eliminations, projected monthly recovery, and a single calculation showing how much wealth you would build over 30 years if you redirected that money to investments
PDF WORKBOOK — 5 sections:
→ Lifestyle Inflation Detection — Fillable table comparing your spending 2 years ago vs. today across 7 categories with a framework for determining what's justified and what's destroying wealth
→ Car Ownership True Cost Calculator — Manual version of the Excel calculator, printable for pen-and-paper work
→ Dopamine Spending Audit — 9 behavioral triggers checklist. The 48-hour rule and why it alone saves most people $200–400/month
→ Opportunity Cost Tables — The complete future-value-destroyed reference grid in print format
→ Future Value Destroyed Worksheet — Add up every identified leak, apply the 30-year multiplier, and confront your total number. Most people have never done this calculation. It is the most important financial exercise in this workbook
WHO THIS IS FOR:
People who feel like they should have more to show for what they earn. Anyone who has rationalized a car upgrade, a subscription, or a lifestyle upgrade without ever calculating the true cost. Everyone running a financially fatal system without knowing it.
FILE DETAILS:
Format: Microsoft Excel (.xlsx) + PDF
Includes: Wealth Leak Calculator Excel file + Wealth Leak Detector PDF Workbook
Instant download. No subscription. Yours forever.
A wealth leak is any financial habit, purchase, or obligation that consistently drains money without building anything. Most leaks are invisible — not because they're hidden, but because they're normalized. Everyone around you has the same ones.
This product exposes every leak, calculates the true monthly cost, and then shows you the future wealth being destroyed — not just the dollar amount you're spending, but what that dollar would have compounded into over 30 years at 10% return.
The math is confronting. That's the point.
WHAT'S INCLUDED:
EXCEL CALCULATOR — 4 tabs:
→ Your Leaks — 12 pre-loaded wealth leak categories (car payment, insurance, subscriptions, dining out, impulse shopping, credit card interest, lifestyle inflation, and more). Enter your monthly amounts. The spreadsheet calculates the 30-year wealth destroyed for each line item, assigns a priority rating (STOP / REDUCE / MONITOR), and delivers a live diagnosis of your total leak severity
→ True Cost Calculator — Car ownership true cost calculator. Enter your payment, insurance, fuel, maintenance, registration, and parking. Get your real monthly total — not the number on the dealer's ad. Then see the 10/20/30-year opportunity cost of that car vs. what you'd have if you'd kept driving something cheaper
→ Opportunity Cost Table — A reference grid showing the future value of $50 to $2,000/month invested at 10% annual return across 5, 10, 15, 20, 25, and 30 years. Plus a custom calculator where you enter your specific monthly amount and see exactly what you're giving up
→ Action Plan — Auto-populated priority list of your highest-impact leak eliminations, projected monthly recovery, and a single calculation showing how much wealth you would build over 30 years if you redirected that money to investments
PDF WORKBOOK — 5 sections:
→ Lifestyle Inflation Detection — Fillable table comparing your spending 2 years ago vs. today across 7 categories with a framework for determining what's justified and what's destroying wealth
→ Car Ownership True Cost Calculator — Manual version of the Excel calculator, printable for pen-and-paper work
→ Dopamine Spending Audit — 9 behavioral triggers checklist. The 48-hour rule and why it alone saves most people $200–400/month
→ Opportunity Cost Tables — The complete future-value-destroyed reference grid in print format
→ Future Value Destroyed Worksheet — Add up every identified leak, apply the 30-year multiplier, and confront your total number. Most people have never done this calculation. It is the most important financial exercise in this workbook
WHO THIS IS FOR:
People who feel like they should have more to show for what they earn. Anyone who has rationalized a car upgrade, a subscription, or a lifestyle upgrade without ever calculating the true cost. Everyone running a financially fatal system without knowing it.
FILE DETAILS:
Format: Microsoft Excel (.xlsx) + PDF
Includes: Wealth Leak Calculator Excel file + Wealth Leak Detector PDF Workbook
Instant download. No subscription. Yours forever.
