The 11 sessions include the best financial independence resources I’ve found or created.

  • Each episode includes a .pdf and sometimes Google Sheets

  • These general education sessions are emailed weekly

  • A dedicated webpage enables you to work at your pace

Introduction Video

Welcome! Thank you for joining Scaled Finance's welcome course!

Over eleven episodes, I'll share the best resources my family and I have used on our path toward financial independence.

Course Overview.pdf

2 minute video

  • Welcome! Thank you for your interest in the course.

    I'm Kevin, and my goal is to help you take control of your finances. There's no cost and I won't try to sell you anything.

    In the 11-session course, I share the best financial independence tools I've found or created. Each episode includes a PDF and sometimes Google Sheets.

    The episodes are emailed weekly. However, I dedicated a webpage so you can watch at your pace. In total, the course includes about an hour of video..

    There are three parts to the course. Part one starts with why. Why do your finances matter? Well, things change and not always for the better. However, you can often steer in the right direction. We'll then explore three excellent questions for you to dial in your best life.

    Part two focuses on net worth. It starts with the definition of what it is and what it isn't. You'll then be empowered to forecast your net worth. We'll also explore financial independence - what that is and when it's reached.

    Part three is about ownership. It dives into items like automobiles and homes. We'll then turn to replacing services with products. Finally, you'll reframe expenses in terms of hours.

    If the course seems at all interesting, sign up. It isn't graded!

    Folks have mentioned the materials changed some of their perspectives. They've shared sections with their spouses and even made some life changes.

    I truly hope you find the course enlightening or at least entertaining.

    If you're ready, sign up now. If not, I've included a course overview PDF for you to explore further.

    Thanks for watching.


    Kevin Estes is a financial planner helping T-Mobile employees and their families live their best lives.

    He worked in T-Mobile Financial Planning & Analysis for nine years and has extensive experience with T-Mobile’s compensation and benefits package. He received a certificate in financial planning from Boston University, passed the CERTIFIED FINANCIAL PLANNER™ exam, and founded Scaled Financed in 2022.

    About

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  • Scaled Finance LLC (“Scaled Finance”) is a registered investment advisor offering advisory services in the state of Washington and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training.

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Course Topics

  • The welcome episode and video includes the dedicated course webpage link.

    Each episode then focuses on one of the 11 topics.

  • Part One leverages Simon Sinek’s great work. Why do your finances matter?

    Job and health situations change.

    Financial preparation can make all the difference.

  • Episode 2 discusses three more reasons to care about personal finances:

    • Here for the rest of your life

    • Enables work flexibility

    • Supports new passions

    These are why I feel personal finance is important enough to do it full-time!

  • Episode 3 focuses on helping you clarify your life plan.

    We’ll work through three excellent questions created by George Kinder and the Kinder Institute of Life Planning.

    Then we’ll double-click and prioritize an action plan.

  • Part Two focuses on net worth – what it is, how to forecast it, and what it means for financial independence.

    Episode 4 defines net worth, goes through examples, and discusses some applications as well as limitations.

    You’ll then leverage a Google Sheets template to estimate your net worth.

    Knowing your net worth will be key for the other Part Two exercises.

  • Episode 5 leverages a prettier version of what guided my family’s financial journey for years.

    We’ll go through a theoretical example to see how net worth might trend over the course of 15 years based on broad assumptions.

    You’ll take it from there.

  • Episode 6 introduces the 4% guideline as well as some of its limitations.

  • Part Three focuses on ownership.

    Episode 7 explores everyday examples of long-term ownership.

    (Hint: additional purchases may be required.)

    It also includes a brief introduction to Minimalism.

  • Episode 8 discusses automobile ownership:

    • New vehicle depreciation

    • Lease vs. buy

    • Dependable quality, well-priced luxury

    • Caring for vehicles

    • Ways to extend vehicle life

  • Episode 9 dives deep into the cost of buying, selling, and maintaining a home.

    This episode also explores the cost of upgrading.

  • Episode 10 highlights opportunities to replace ongoing costs with one-time buys.

    Lawn care, router, cable, movies, meals out, hair maintenance, etc.

  • Episode 11 leverages Vicki Robin and Joe Dominguez’s great book
    Your Money or Your Life.

    This final episode will walk through a 7-step process to evaluate expenses in terms of life hours.

Kevin Estes portrait. Smiling and wearing a dark gray suit and black shirt in front of a dark brown background.

Kevin Estes is a financial planner helping T-Mobile employees and their families live their best lives.

He worked in T-Mobile Financial Planning & Analysis for nine years. He received a certificate in financial planning from Boston University, passed the CERTIFIED FINANCIAL PLANNER™ exam, and founded Scaled Financed in 2022. Learn more