What you’re buying
A digital product with 5 files:
- 00-Start-Here.pdf
- Steady-Ledger-Workbook.xlsx
- Steady-Ledger-Example-Fictional.xlsx
- Steady-Ledger-Guide.pdf
- Steady-Ledger-Printable-Pages.pdf
You download them through Gumroad. Gumroad handles payment, tax and delivery as the merchant of record.
License
You may use and print the files for yourself and your household, and adapt the workbook for your own use. Please don’t resell, share publicly or redistribute the files.
Refunds
If Steady Ledger isn’t useful to you, ask for a refund within 30 days of purchase by replying to your Gumroad receipt or using Gumroad’s Contact option. You don’t need to give a reason or return anything. See Refunds.
Education, not advice
Steady Ledger is general education and a recordkeeping tool. It is not investment, tax, or legal advice, and it does not recommend any particular product, bank, or investment. Examples are fictional and rates shown are illustrations, not offers or predictions. Insured deposits are protected up to legal limits; investments can lose value. For decisions about your own situation, consider speaking with a qualified professional.
The guide explains U.S. accounts and rules (FDIC, NCUA, U.S. Treasury, IRS). The workbook itself works with any currency, but its insurance check uses the U.S. $250,000 limit.
Accuracy
Facts in the guide were checked against the official sources it lists on October 8, 2026. Laws, insurance limits, rates and tax rules can change. Calculations are tested carefully, but please check important numbers against your own statements.
Seller
Sold by Wren & Co. through Gumroad.
Last updated October 8, 2026.