Now. Next. Later.
The Blueprint is your personalized roadmap — what to build now, next, and later, drawn from your BrickScore and your Life Goals, with a plain-English reason behind every item. Take the free BrickScore and it draws itself.
One active MoneyBrick sits at the top of the plan. Up to three more wait in line behind it, sequenced. The rest is grouped for later — and anything you set aside waits without a clock running. Every item carries a plain-English reason you can check.
Most apps hand you a list. The Blueprint hands you a sequence — the one move that matters now, the three that come next, and the rest grouped for later, covering the same ground professional planners work through with their highest-paying clients. Life changes? Tell the Blueprint and it adjusts — and nothing ever replaces your current brick without your say-so.
The ground it covers
Your Blueprint sequences its bricks across the eight disciplines professional planners work through — each powered by specific MoneyBricks tools. Tap any tool to see how it works.
- Pillar 1
Tax Strategy
Minimizing what you owe, maximizing the deductions for your trade, and self-employment tax planning — a year-round strategy, not a scramble every April.
- Pillar 2
Legacy Plan
Wills, beneficiary designations, and powers of attorney — making sure what you built goes where you want it to.
- Pillar 3
Long Game
How much to save, which accounts to use, when you can afford to stop working, and how to replace your income in retirement.
- Pillar 4
Giving Back
Giving strategically and tax-efficiently — making generosity part of the plan, not an afterthought.
- Pillar 5
Next Generation
Planning for your kids' education — 529 plans and savings strategies that build their future without wrecking yours.
- Pillar 6
Growing Your Stack
The right investment strategy for your goals, timeline, and risk tolerance — growing what you've built while you're still working.
- Pillar 7
Protection Plan
The load-bearing wall of the whole plan.Life, disability, health, and liability coverage — critical for physical careers.
- Pillar 8
Foundation Budget
The cornerstone every other pillar rests on.A sustainable spending plan aligned with your income, goals, and values.
The two pillars that matter most for working people
Tax Strategy
Taxes hit working people harder than they have to — especially the self-employed. A plumber who runs their own truck has deductions most never claim: mileage, equipment depreciation, home office, health premiums, SEP-IRA contributions. Brix helps you understand every deduction your trade allows, fix your withholding so April isn't a surprise, and make moves year-round.
The Long Game
Retirement is the most time-sensitive goal most working people have — and the one most hurt by delay. Restaurant workers often have no employer plan; nurses and first responders may have pensions that need supplementing; tradespeople may build from scratch. The Blueprint addresses retirement at every stage and profession, and makes the numbers concrete.
The year-by-year retirement build
The Long Game pillar meets you at your age. Brix places you in the right phase automatically and coaches the priorities that matter now.
- 1
The Apprentice Years
High school & collegeOpen a Roth IRA the moment you have earned income. Even $25/month at 16 beats $500/month started at 35. Install the habits early — they run in the background for the next 50 years.
- 2
Foundation Years
20s – 30sCapture every employer 401(k) match first — an instant 100% return. Fund a Roth in your lower-bracket years, use an HSA as a second retirement account, and target saving 15% of gross income.
- 3
Build Years
40sProtect your earning power with disability insurance, build your Crew (a fee-only CFP and a CPA who knows your trade), and diversify across pre-tax, Roth, and taxable accounts.
- 4
Sprint Years
50sMax your catch-up contributions, stress-test the plan against inflation and rising healthcare costs, and lock in your Social Security strategy.
- 5
Finish Line
60s+Sequence withdrawals (taxable first, then tax-deferred, then Roth), enroll in Medicare on time, and build yourself a monthly retirement paycheck.
Most apps hand you a tool. The Blueprint hands you the order — now, next, and later, covering all eight disciplines, evolving as your life does.
Your Blueprint starts with your free BrickScore.
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