Most people never stop to ask what their life would actually cost if everything changed tomorrow. This workbook does. Walk away with a single, clear number: your Protection Number.
Instant digital download. Work at your own pace.
Because of advances in modern medicine, more people are surviving serious health events than ever before: cancer, cardiac events, stroke, major surgery. But survival and recovery are two very different experiences.
Recovery is becoming longer, more complex, and far more expensive than most people anticipate. And income does not always stop entirely during recovery. Often it decreases. That gap between what comes in and what life still requires is where the real damage occurs.
Being employed is not the same as being protected. Income and protection are not the same thing.
This workbook exists to show you, clearly and specifically, what your Protection Number is before life forces you to find out.
Short-term disability replaces only a portion of income, if your employer offers it at all.
Medical bills, support care, transportation, and wellness costs rise precisely when income falls.
Most paid leave and sick time is exhausted within weeks, long before recovery is complete.
Nobody calculates the gap until they are in it. This workbook calculates it in advance.
of working-age cancer survivors report at least one form of financial hardship during treatment and recovery. Source: American Cancer Society.
This is not a worksheet. It is a structured planning tool built to surface your real exposure in real numbers across the full recovery picture.
Work through every category honestly: fixed obligations, variable spending, and flex spending that quietly adds up. Most people think they know this number. They do not.
Identify exactly how dependent your income is on your active participation. The critical question is not what you earn, but what happens to that income if you cannot work.
Map every source of employer and personal support available. Then calculate exactly how much would remain uncovered. Most people are surprised by how limited the actual coverage is.
Design what recovery could actually look like in specific months and dollars, across four timelines: 3, 6, 12, and 24 months. When in doubt, plan for longer.
This is where everything comes together. Pull every number forward and calculate the single figure that stands between financial stability and financial strain during a health event.
Sit with what you found. Process the picture clearly. Use structured prompts to document what this means for your situation and what action it calls for.
You have built something real: a career, a household, a family, a life that depends on your ability to keep earning. This workbook is designed specifically for the woman who understands that financial stability is not luck. It is structure.
You do not need more information. You need clarity on what your life actually requires.
"I assumed I was fine because I had income and benefits at work. I had never actually looked at the gap between what they would cover and what my life actually costs every month."
You are looking for a quick, casual read, you are not willing to use real numbers, or you already have a complete, funded financial recovery plan in place. This workbook requires honesty and thirty to sixty minutes of focused time per section.
A specific dollar figure representing exactly how much is needed to maintain stability during recovery.
A clear map of where your current employer coverage and savings fall short of what would actually be required.
A realistic monthly picture of what your life would cost during a 3, 6, 12, or 24-month recovery window.
The specific, grounded understanding needed to have a productive conversation about addressing your gap.
Most people never take this step. You are about to. A number without a strategy is just a worry with a dollar sign. This workbook gives you the number and the clarity to build what comes next.
Instant digital access. Work at your own pace. No subscription required.