The Money Mastery System
Five digital workbooks. One financial life.
Money Mastery brings your personal money, your business money, your net worth, your debt and your cash management into one connected system. Each digital workbook has its own job, and together they give you a clearer picture of the money behind your life, and behind your business if you run one.
Every workbook is a Google Sheets™ file shared privately with your own Google account, and this page is a guided tour of the whole system, from the statements you bring in each month to the plans you make with what they show you, with a link to the full page for each part as you go.
- Digital workbooks in the full system
- 5
- Reports, plus a custom builder
- 16
- Category slots, and you can add your own
- 400+
- Place to see the whole picture
- 1
Ten screens you will use every month.
Real screens from the Money Mastery System, on example data. Tap any one to see how it works.
Five digital workbooks that know about each other.
Each one handles a different part of your financial picture. Use the ones you need now, add the others when you are ready, and let the information move across the system instead of living in separate places.
Money Mastery Personal
Income, expenses, categorization, monthly views, and the personal side of the money you are managing every day.
Look inside → 02Money Mastery Business
Profit and Loss, business spending, business income, and a clear view of what the business is producing.
Look inside → 03Net Worth and Legacy
Assets, liabilities, investments, property and retirement, together with your net worth, your projections and your legacy planning.
Look inside → 04The Debt Center
Credit cards and loans, payoff strategies, interest, timelines, and the impact of making different payment decisions.
Look inside → 05Cash Management
Cash, registers, Venmo, PayPal, Cash App, and the money that does not always arrive through a traditional bank account.
Look inside →All five, in every paid membership
Rise and every membership above it include all five digital workbooks, and La Soglia, the free membership, starts you with the Net Worth Tracker so you can see your own numbers first.
Which level fits →Two sides of your money, clearly separated and still connected.
Mark transactions as business or personal, split purchases when they belong to both, and see each side clearly without losing the connection between the business you run and the life it supports.
Profit and Loss
See income, expenses, and profit together in a report you can use yourself or share with your accountant.
Bring the transactions in. Let the system help you sort them.
Upload a CSV, PDF or Excel statement from any bank, and Clarity suggests a category for each row based on the choices you have made before, while you decide what stays. Split transactions, attach receipts, separate business from personal, and keep the final choice in your hands.
TARGET #1927-$127.37
HILTON GARDEN #7837-$15.08
STRIPE PAYOUT+$596.85
DOORDASH #5486-$37.63
SPEEDWAY #5E59-$5.58
Multiple accounts
Bring statements from the accounts you use without connecting your bank credentials.
How account upload works →Flexible categorization
Use the built-in category library and add your own when your business or your life needs something different.
How categorization works →Split transactions
Divide one purchase between business, personal, or multiple categories while keeping the original total accurate.
How splits work →Attach receipts
Keep supporting documents beside the transaction they belong to, so the record and the reason for it stay together.
Track transfers
Special labels mark your credit card payments and the transfers between your own accounts, so money you are only moving from one place to another stays out of your income and your expenses.
Needs and desires
Add another layer to your spending so you can see your priorities alongside the numbers.
Inside Money Mastery Personal →The month you are working in, and the year it is building.
The dashboard brings income, expenses, profit, and the patterns moving your numbers onto one screen, and it updates as you approve each batch, with monthly and yearly views so you can see the month in front of you beside the patterns building across the year.
- Income
- $76,946.57 Last 12 months
- Expenses
- $35,250.86 Last 12 months
- Net profit
- $41,695.71 Income − expenses
Income vs ExpensesIncomeExpenses
Top income
- Side hustle income $35,054.56
- Consulting $24,118.02
- Product sales $17,773.99
Top expenses
- Housing (H) $7,910.44
- Health (H) $7,590.78
- Auto (A) $5,771.11
Clarity AI reads your numbers, not the internet’s.
Ask questions about the numbers already inside Money Mastery and get answers based on your own information. Use Clarity to understand spending, income, profit, categories, trends, and what changed from one period to another.
Clarity AI is in every membership. La Soglia includes five Clarity AI questions each month, and Rise, Rise Together and Rise Beyond include unlimited Clarity AI questions.
- What did I spend on contractors last quarter?
- What changed most since last month?
- Which expenses grew fastest last quarter?
- Am I on track compared with last quarter?
Ask your numbers
Ask plain-language questions about what is already in your Money Mastery system, and Clarity answers from your own rows.
Smart category suggestions
Money Mastery remembers how you categorize, so your past choices come back as suggestions on similar transactions, and the suggestions get sharper as you categorize more.
Patterns and reports
Use your numbers to surface patterns and create useful views for the decisions you are making, with 16 ready reports and a builder for the one you need.
Use today’s numbers to plan what comes next.
Build savings, understand debt, watch net worth change, and test the impact of different financial decisions before you make them.
Savings FundsTarget · current
- Emergency Fund$2,500 of $5,000
- Vacation Fund$1,200 of $3,000
- New Car Fund$2,500 of $8,000
- Home Down Payment$6,000 of $15,000
- Holiday Gifts$1,600 of $1,500
- Net worth
- $184,320 This quarter
- Assets
- $271,450 Cash, investments, property
- What you owe
- $87,130 Mortgage, cards, loans
Where it sits
- Retirement$118,400
- Property equity$92,750
- Cash and savings$41,300
- Brokerage$19,000
Savings funds
Set a target, choose a date, and see the monthly amount that moves you toward it.
Goals and projections
Connect your future plans to the numbers you have now, with a projection timeline that shows where your current path leads.
Trends
See how income, expenses, categories, and balances change over time.
A clear plan for every card and loan.
The Debt Center gathers your credit cards, short term loans and long term loans into one workbook, so you can choose a payoff order deliberately and see what each decision does to the date you finish.
Debt payoff
Compare payoff methods, timelines, interest, and additional payments.
New borrowing decisions
The Quick Decision Maker and the 30% rule show how a new loan or a new purchase on a card changes the numbers before you commit to it.
- Total outstanding
- $3,151.39 Across two cards
- Total interest paid
- $83.09 So far, at current payments
- Months till debt free
- 75 Average of both cards
- With $100 more a month
- 27 The same debt, 48 months sooner
- Target Cap 1 · 28.99% APR$2,093.00
- Amex · 27.24% APR$1,058.39
Cash and register tracking, alongside everything else.
Keep cash, Venmo, PayPal, Cash App, and other nontraditional payment activity visible alongside the rest of your financial picture.
- A bank register you can reconcile against the bank balance, with a running true balance
- A cash tracker for tips, petty cash and cash envelopes
- Separate sheets for Venmo, Cash App and PayPal, including their fees
Reports that are ready when you are.
Review the numbers yourself, build a custom view, or share the information your accountant needs without handing over your entire financial system.
Money Mastery includes 16 ready reports and a custom builder, all drawn from the same categorized rows as everything else on this page.
All Transactions Report
Dec 31, 2025, Jan 22, 2026
- Total income $5,072.65
- Total expenses -$2,619.03
- Total transactions 55
- Net balance $2,453.62
| Date | Account | Description | Category | Amount |
|---|---|---|---|---|
| Jan 22, 2026 | Primary Checking | TARGET #1927 | SH Shoes | -$5.24 |
| Jan 22, 2026 | Chase Credit Card | HILTON #7837 | T Transportation | -$15.08 |
| Jan 22, 2026 | Chase Credit Card | SPEEDWAY #5E59 | A Tolls | -$5.58 |
| Jan 21, 2026 | Chase Credit Card | DOORDASH #5486 | F Fast Food | -$37.63 |
| Jan 21, 2026 | Primary Checking | STRIPE PAYOUT | Freelance income | +$596.85 |
Your Money Mastery digital workbooks are shared privately with your own Google account.
Upload statements without connecting your bank credentials. Share only the reports or access you choose.
The Money Mastery Collective, and help when you need it.
The Money Mastery Collective
The Money Mastery Collective is included beginning with La Soglia, giving every member access to the discussion feed and community from the start.
What changes when you upgrade →Product support
Get help with Money Mastery when something works differently from what you expect, through the support button inside the sheet itself.
How support works →Guides where you need them
A written guide for every screen and a video walkthrough for each workbook, from your first upload to the first report you share.
Open the library →Four memberships, with the Money Mastery Collective in every one.
Each membership builds on the one before it. You can move to another membership any time from your hub, and everything you have already categorized stays exactly where you left it.
La Soglia
The Net Worth Tracker, personal and business net worth in one place, five Clarity AI questions each month, and the Money Mastery Collective discussion feed and daily blog.
Start here → $49.99 a monthRise
All five digital workbooks, statement upload, the categorization screen, 16 reports and a custom builder, unlimited Clarity AI questions, and the Money Hour live with Donna every week.
Explore Rise → $89.99 a monthRise Together
Everything in Rise, plus the Monthly Money Reset Call with Donna, Monthly Office Hours on a topic members vote for, and Donna’s weekly strategy post.
See what changes →Rise Beyond
Everything in Rise Together, plus private coaching hours with Donna, a private channel with Donna in the Money Mastery Collective, and, for annual members who pay for the year in full, a quarterly one-to-one review of your numbers. Annual members have 24 private coaching hours a year, and monthly members have two one-hour coaching calls a month. Rise Beyond begins with a conversation with Donna.
See what your numbers can do when they work together.
La Soglia gives you a clear, free starting point, and every paid membership includes the full five-workbook Money Mastery system, with more access to Donna as you move through the memberships.
Start free with La Soglia → Compare all four memberships →