The System State Worksheet

⏱️ 2 Minute Orientation

This worksheet exists for one reason: to help you understand what state your money system is in right now, without judgment or pressure.

It is not a plan. It does not ask you to fix anything. It does not measure success or failure.

What this worksheet is (and isn’t)

The System State Worksheet helps you locate your current position using four simple states: Stable, Strained, Interrupted, and Recovering.

It does not ask you to:

• track every expense
• explain what went wrong
• restart your budget
• optimize or push harder

If you use it once and never return, it has done its job.

When to use it

• When anxiety spikes around money
• Before making a big decision
• When things feel “off” but unclear
• Instead of restarting everything

Download the worksheet

The worksheet is designed to be used quickly and put away. You can print it, save it, or close it when you’re done.

Download the System State Worksheet (Word)

You are allowed to stop after any step. You are allowed to not use this again.

The calm takeaway

You do not need to fix everything today.

You only need to respond appropriately to the state you’re in.