Welcome to the Four Quadrants Workbook
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THE FOUR QUADRANTS
J didn't learn the quadrants from a classroom. He learned them from a man who stopped for him when nobody else had. The purpose of this workbook is to hand you a better map before that happens to you.
- 1Work through all six sections top to bottom. The uncomfortable ones are usually the ones that matter most.
- 2Dollar fields auto-calculate as you type. No math needed.
- 3Your answers save automatically to your account. Come back on any device and they'll be here.
- 4Hit Download My Workbook anytime to save a PDF snapshot to compare your progress over time.
Quadrant Self-Assessment
Before you can change which quadrant you're in, you have to be honest about which one you're actually in.
E — Employee S — Self-Employed B — Business Owner I — Investor
Most people in E or S share one thing: if they stop working, the income stops. B and I work differently — the engine keeps running whether you show up or not.
The 30-Day Spending Audit
You can't fix what you won't look at. Go back thirty days. Every transaction.
Step 1 — List your spending by category
| Category | Amount Spent ($) |
|---|---|
| Housing | |
| Utilities | |
| Groceries | |
| Eating out / takeout | |
| Transportation | |
| Phone | |
| Subscriptions | |
| Clothing | |
| Entertainment | |
| Personal care | |
| Giving / church / charity | |
| DoorDash / Uber Eats | |
| Other | |
| TOTAL |
Step 2 — The hours conversion
Life Hours Calculator
Step 3 — The honest question
The Debt List
You can't pay off what you can't see clearly. List every debt. Order smallest to largest.
| Creditor | Balance ($) | Rate (%) | Min. Payment ($) | Payoff Date |
|---|---|---|---|---|
| TOTAL | ||||
The interest reality check
Based on your debt balances and rates above, assuming credit card-style compounding at minimum payments (greater of $25 or 2% of balance). These are estimates — your actual terms may vary.
Emergency Fund Tracker
The emergency fund is not glamorous. It is the wall between you and disaster. The goal is $1,000 first.
Deposit Log
| Date | Amount Deposited ($) | Running Total |
|---|---|---|
Progress Tracker
Tap a milestone when you hit it.
The Zero-Based Budget
Every dollar gets a job before the month starts. Income minus expenses equals zero.
Step 1 — Total monthly income
| Source | Monthly Amount ($) |
|---|---|
| TOTAL INCOME |
Step 2 — Assign every dollar
| Category | Budgeted Amount ($) |
|---|---|
| Housing | |
| Utilities | |
| Groceries | |
| Transportation | |
| Phone | |
| Debt minimum payments | |
| Extra debt payment | |
| Emergency fund contribution | |
| Subscriptions | |
| Eating out | |
| Clothing | |
| Entertainment | |
| Giving | |
| Personal care | |
| Other | |
| TOTAL EXPENSES |
Step 3 — The check
If this number is not zero, keep adjusting until it is.
The Quadrant Goal Map
Knowing where you are is step one. Knowing where you're going and what the next actual move is — that's step two.
Where I Am Now
Where I'm Going
My Next Three Specific Actions
Not vague goals — specific moves with dates.
Most people read a book and feel good about it for a few days. You did something different. You put your actual numbers somewhere real.
The next book in the series is coming. Stay close.
Follow the series at adifferentgameseries.com
A Different Game. Book Four coming soon.