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Check your inbox for an email from Simply Balanced with your download links. Give it a few minutes — and check spam or promotions if it's not up front.

Save your own copy of the workbook before you type anything — File → Download → Microsoft Excel (or Make a copy in Google Sheets). Work in your copy. It's yours for good.

Read the book first, then run your numbers — one tab, one number at a time. That's how you get ahead of the mess instead of chasing it every April.