The Money Leak Diagnostic | Therapon Financial Education
THERAPON FINANCIAL EDUCATION
The Money Leak Diagnostic

What's Your Number?

Answer a few questions and we'll reveal exactly how much money is quietly leaking out of your control — and how to reclaim it.

Let's Get Started

First, what should we call you?

Which best describes you?
This helps us ask the right questions for your situation.
👤

Individual / Family

Personal mortgage, car loans, credit cards, retirement savings

🏢

Business Owner

Commercial loans, equipment, business lines of credit, business taxes

Step 1 of 4 — Individual

Interest You're Paying

Enter balance, rate & time remaining — we'll calculate the exact interest you're losing every month.

🏠 Home Mortgage(s)
Primary residence, second mortgage, HELOC, rental properties
🚗 Vehicle Loans
Cars, trucks, motorcycles, RVs
⛵ Recreational Loans
Boats, ATVs, jet skis, campers
💳 Credit Cards & Lines of Credit
Enter current balance, rate, and months to payoff
🎓 Student Loans
Federal and private student loans
Monthly Interest Paid
$0
Step 1 of 4 — Business

Business Interest You're Paying

Enter balance, rate & time remaining — we'll calculate the exact interest your business is losing every month.

🏢 Commercial Real Estate & Leases
Office, warehouse, retail space, commercial mortgages
⚙️ Equipment & Vehicle Loans
Machinery, fleet vehicles, tools, technology equipment
💳 Business Lines of Credit & Cards
Business credit cards, revolving lines of credit, SBA loans
🏦 Business Term Loans
Bank loans, investor loans, notes payable
Monthly Business Interest Paid
$0
Step 2 of 4 — Individual

Retirement Contributions

Money locked in qualified plans you can't touch without penalties.

🏦 Employer Plans
401(k), 403(b), 457, TSP — your contribution only
Your Monthly Contribution
$
Employer Match (monthly)
$
📈 IRA Accounts
Traditional IRA, Roth IRA, SEP-IRA, SIMPLE IRA
IRA Monthly Contribution
$
💼 Other Investments
Brokerage accounts, pension, annuities
Brokerage / Investments
$
Pension / Other
$
Monthly Retirement Savings
$0
Step 2 of 4 — Business

Business Taxes & Retirement

What your business sends out every month in taxes and retirement contributions.

🏛️ Business Tax Payments
Quarterly estimated taxes, payroll taxes, state/local business taxes
Quarterly Estimated Taxes
$
Payroll Taxes (employer share)
$
State / Local Business Taxes
$
🏦 Business Retirement Plans
SEP-IRA, SIMPLE IRA, Solo 401(k), pension contributions
Owner Retirement Contributions
$
Employee Retirement (employer match)
$
Monthly Tax & Retirement Outflow
$0
Step 3 of 4 — Individual

Recurring Expenses & Idle Savings

Expenses you pay anyway — plus money sitting idle that could be working much harder for you.

🏡 Property & Housing
Enter amount and how often you pay it
Property Taxes
$
HOA Fees
$
🎓 Education
K-12, college tuition, tutoring
K-12 / Private School
$
College Tuition
$
⛪ Giving & Charitable
Tithing, church giving, charitable donations
Tithing / Church
$
Charitable Donations
$
🛡️ Insurance Premiums
Term life, health, disability — NOT whole life
Term Life Insurance
$
Health Insurance
$
Disability Insurance
$
Monthly Recurring Expenses
$0
💤 Money Sitting Idle
How much do you have in savings & checking earning little or nothing? This money could be fully liquid AND earning 4–5% inside a whole life policy designed for infinite banking — simultaneously.
Savings Account Balance
$
Checking Account (excess above bills)
$
Annual Opportunity Cost of Idle Money
$0
Step 3 of 4 — Business

Business Expenses & Idle Cash

Recurring obligations plus capital sitting idle that could be building your business banking system.

🏢 Rent & Property
Office/warehouse rent, property taxes, association fees
Office / Warehouse Rent
$
Property Taxes (business)
$
🛡️ Business Insurance
Liability, key man, workers comp, property insurance
General Liability
$
Key Man / Life Insurance
$
Workers Comp / Other
$
Monthly Business Recurring
$0
💤 Business Cash Sitting Idle
How much capital does your business have in checking or savings earning next to nothing? In an IBC structure this money stays fully liquid AND works for you simultaneously.
Business Savings / Reserves
$
Business Checking (excess)
$
Annual Opportunity Cost of Idle Cash
$0
The Money Leak Diagnostic — Summary Report
Your Results

Here's What We Found

Total Annual Opportunity

$0

This is the money you could redirect into your own banking system

Interest Bleeding Out
$0
per month
Retirement Locked Away
$0
per month
Recurring Obligations
$0
per month
Idle Money Cost
$0
per year

💡 Your Interest Opportunity

💤 Your Idle Money Opportunity

📊 Your Personalized IBC Analysis Coach Insight

Analyzing your situation...

📬 Want this analysis emailed to you?

We'll send your personalized analysis to your inbox — plus a short follow-up with the next step to put your numbers to work. No spam, ever.

🔒 Your information is kept private and used only to follow up with you personally.

📅 Ready to Build Your Plan?

Book your free 30-minute strategy call below. Bring your numbers — we'll walk through what your Family Bank could look like for your situation.

No obligation. No pressure. Just clarity on your numbers.

Other Ways to Take the Next Step

Your numbers tell a powerful story. Pick the path that fits where you are right now.

✉️ Email Peter Directly
Peter Ammentorp | Therapon Financial Education
IBC Coach  |  Engineer  |  Business Owner
Ready to reclaim your wealth? Book a free strategy call to talk through your numbers.
theraponfinancial.com  |  [email protected]