Client Profile
GHL: Not Connected
No Client Loaded
Tool 1 of 9 · Foundation

👤 Client Profile

Load a client from GHL or enter manually. All tools in this session read from this profile.

🗒️ Scratchpad Mode: Changes here stay local until you intentionally push to GHL. Work freely — nothing is overwritten until you say so.
Client
Mortgage Bal
Market Value
Est. Equity
Monthly Income
Monthly Surplus
🔗 Load from Go High Level
👤 Client Identity
👥 Co-Borrower / Spouse
🏠 Property Details
🏦 Mortgage Details
Calculated from loan start date + term
🧾 Taxes, Insurance & Escrow
💳 Payment
Include taxes & insurance if escrowed
Default is the 15th — update if different
💰 Income
💡 Enter take-home pay — what actually hits the bank account each payday, after taxes and deductions. If health insurance is deducted from the paycheck, that amount is already included.
📋 Monthly Expenses
💡 Placeholder amounts are estimated from income benchmarks. They update as income is entered — adjust to reflect actual spending.
🏠 Housing — Auto-Calculated from Mortgage
Gas, electricity, water, sewer & trash
Internet service, cell phone plans
Groceries, restaurants, coffee, takeout
Fuel, parking, oil changes, car wash, repairs
Auto, life, disability, health premiums
Copays, prescriptions, gym, supplements
Subscriptions, hobbies, vacations, movies, sports
Childcare, tuition, clothing, school supplies
Hair, nails, hygiene, personal grooming
Church, tithing, donations, charitable giving
Student loans, personal loans, credit card minimums
💳 Debt Inventory
📈 Calculated Summary
Tool 2 of 9 · Strategy

🧮 Exodus Calculator

Client data from the profile is automatically loaded. Run the calculation to update the profile with results.

🔗 Connected: Client profile data will pre-fill the calculator. When results are generated, they sync back to the profile automatically.
Tool 3 of 9 · Financial

💸 Interest Reality Check

Shows clients where every payment goes right now — and the true cost of staying on the standard path.

🔗 Connected: Mortgage data pre-loaded from client profile.
Tool 4 of 9 · Financial

📊 Budget Analyzer

Full cashflow and spending breakdown across all budget categories.

🔗 Connected: Income and expense data pre-loaded from client profile.
Tool 5 of 9 · Financial

🛡️ Buffer Check

Verify the client has enough HELOC buffer to run the Exodus Strategy safely.

🔗 Connected: HELOC and income data loaded from profile. Update any field to recalculate.
HELOC Limit
HELOC Balance
Available
Buffer Status
🏦 HELOC Details
Auto-calculated: (bills + chunk) × 1.20 safety buffer. Adjust multiplier to change.
💰 Monthly Cashflow
Tool 6 of 9 · Financial

🚗 Paycheck Parking

Show exactly how parking a paycheck in the HELOC reduces the interest cost on a chunk — and how that compares to leaving the same amount on the mortgage.

🔗 Connected: The correct comparison is chunk amount vs mortgage interest on the same amount — not the full loan balance.
🏦 The Chunk
The amount borrowed from HELOC to pay down mortgage
Simple daily interest rate on the HELOC
For comparison — what the same $ costs on the mortgage
How many months to pay the chunk back via paycheck parking
💰 Income & Expenses
Paid directly from HELOC
Utilities, groceries, etc. — NOT mortgage or escrow
Tool 7 of 9 · Coaching

✅ Readiness Check

Assess whether the client is truly ready to begin the Exodus Strategy — mindset, setup, and action steps.

🔗 Connected: Client name loaded from profile. Score updates as you check items.
Mindset Score
Setup Score
Action Score
Overall
🧠 Mindset Indicators
🏦 Setup Indicators
⚡ Action Indicators
Tool 8 of 9 · Coaching

📅 Monthly Momentum Check-In

Structured monthly review — tracks progress, catches problems early, keeps clients engaged.

🔗 Connected: Client data pre-loaded where applicable.
Tool 9 of 9 · Coaching

🔄 Stages of Change

A coaching lens to match your pace, tone, and next steps to where the client actually is — not where you wish they were.

👂 What Are You Hearing? Check all that apply — the stage suggestion will update below.
🎯 Confirm the Stage
Tool 10 of 10 · Mapping

🗺️ Cash Flow Mapper

The full monthly financial picture — income timing, HELOC draws, CC flow, and chunk payments mapped day by day. Used after everything is in place to train the client on managing their monthly finances.

🔗 Connected: Income, mortgage, and HELOC data pre-loaded from profile. Works in HELOC Accelerator or Savings Converter mode.
Tool 11 · Reports

📈 Interest Comparison Report

Show the cumulative gap between staying on the standard mortgage path vs the Exodus Strategy — year by year, the difference is dramatic.

🔗 Connected: Mortgage data pre-loaded from client profile.
📋 Inputs
Tool 12 · Wins

🏆 Amortization Leap Tracker

Every chunk payment jumps the client ahead on their amortization schedule. This tool shows exactly how many payments they've leaped — and how much interest they've already eliminated.

🔗 Connected: Mortgage data pre-loaded from profile. Add chunks as they happen to track the running leap.
🏦 Mortgage Details
Which payment number they're on right now
➕ Log a Chunk Payment