The Calm Money Retirement Starter Workbook — 26-Page Printable PDF

Retirement planning can feel like twenty different decisions happening all at once.

The Calm Money Retirement Starter Workbook helps you slow everything down, put the pieces in order, and identify your next steady step.

Created by Stefany Tweed Foster, this approachable 26-page workbook guides you through the financial and lifestyle questions that matter as you prepare for retirement—without the jargon, pressure, or expectation that you should already have every answer.

Inside, you’ll explore:

• Your vision and priorities for retirement
• Your accounts, income sources, and current financial picture
• Your retirement “paycheck” and anticipated spending
• Social Security and pension considerations
• Healthcare planning before and after age 65
• Taxes, withdrawals, and flexible income
• Emergency reserves, debt, and irregular expenses
• Longevity, family, and estate-planning essentials
• Questions to bring to your financial, tax, or legal professionals
• A personalized Calm Money Snapshot and 90-day action plan

Throughout the workbook, you’ll also find practical guidance from Stefany and calming reminders from Phoebe—because retirement planning works better when you can think clearly.

What you’ll receive

• One 26-page PDF workbook
• Immediate digital access after purchase
• Printable US Letter–size pages
• Permission to print pages for your own personal use

Work through the entire workbook or begin with the section that feels most important today. You do not need a perfect plan—you simply need a clear place to start.

Please note: This is a digital product. No physical item will be shipped. This workbook is provided for educational purposes and does not constitute individualized financial, investment, tax, or legal advice.

Copyright © 2026 Tweed Factor LLC. All rights reserved. Purchase grants one person a personal, noncommercial-use license. The workbook may not be copied, shared, resold, reproduced, or redistributed.

Start where you are. Take one steady step. Build a retirement that supports the life you actually want.

Helping one million people feel calm and confident about money—one steady step at a time.