A practical guide and spreadsheet for medium-term money
Most investing advice focuses on two extremes:
cash you might need tomorrow, and money you won’t touch for decades.
But a lot of real-life money lives in between.
Down payments. Business capital. Early retirement bridges. Planned life changes with real deadlines.
This guide exists for that middle ground — money that’s too important to gamble with, but too long-term to leave entirely in cash.
The Problem This Solves
If you keep medium-term money in cash, you slowly lose purchasing power.
If you invest it like retirement money, you risk being forced to sell during a downturn.
Neither approach is designed for a fixed timeline.
The result is unnecessary stress, second-guessing, and decisions made at the worst possible time.
This guide is about doing better — not by predicting markets, but by designing portfolios around drawdowns, recovery time, and usability.
What This Is (and Is Not)
This is not:
a get-rich-quick strategy
a market timing system
a promise of higher returns
This is:
a framework for handling money you’ll need in 2–7 years
a set of purpose-built portfolios tested across difficult market periods
a mechanical system for rebalancing without guesswork
a way to reduce anxiety around money with real deadlines
What’s Included
When you purchase, you receive:
The full ebook (PDF)
Explains the medium-term money problem clearly and honestly
Walks through three portfolio approaches, including when each makes sense
Shows how different strategies behaved during major market stress
Focuses on drawdowns, recovery time, and behavioral sustainability
A working rebalancing spreadsheet
Lets you enter your holdings and cash
Handles allocation math automatically
Supports contribution-based rebalancing (no selling required)
Includes optional full rebalance guidance when needed
Designed to be used only when adding money or rebalancing — not daily tracking
Together, they form a practical system, not just an idea.
Who This Is For
This guide is designed for people who:
Have specific goals with real deadlines in the next few years
Want growth above savings rates without gambling on timing
Understand that lower volatility is worth accepting lower upside
Prefer systematic discipline over constant decision-making
Care as much about peace of mind as performance
Who This Is Not For
It’s probably not a good fit if:
You need the money in under two years (cash is usually the right answer)
Your horizon is 10+ years and volatility doesn’t bother you
You’re looking for aggressive growth or tactical trading strategies
How People Use This
Most readers use this in one of three ways:
As a standalone plan for a specific medium-term goal
As a dedicated “bucket” alongside retirement and emergency funds
As a decision framework to sanity-check how much risk they’re really taking
The spreadsheet exists to make execution boring — so emotions don’t take over when markets get uncomfortable.
Price
$29
Includes the ebook and the spreadsheet.
This is a one-time purchase.
No subscriptions. No upsells. No ongoing obligations.
Get the Guide
If you’d like the full framework, portfolio designs, historical context, and the spreadsheet system that ties it together:
If you decide not to buy, that’s fine too.
The most important takeaway still applies:
Money you’ll need in 2–7 years deserves its own category, its own strategy, and its own discipline.
Stop treating it like something it isn’t.
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