📌 How to Use This Guide

Browse by Life Stage
Tap a stage card (Childhood, Adolescence, Adulthood, Pre-Retirement, or Retirement) to see all decisions for that age range. From there, pick a category or view all items in that stage.

Browse by Topic
Tap a category card (Health, Family, Education, Finance, Lifestyle, or Digital) to see decisions across all life stages for that subject.

Search
Use the search bar at the top of every page. Type any keyword (e.g., "mortgage", "divorce", "Medicare") or type an item number directly (#001 through #400) to jump straight to it.

Inside Each Decision
Every item follows the same structure: The Fact (what the research shows), The Math (the numbers), The Decision Framework (your paths to choose from), Real-World Examples (what success and failure look like), and Research Sources (with links to verify everything).

Complexity Badges
Items are labeled High, Medium, or Low complexity. Lists are sorted most complex first so the biggest decisions are at the top.

🗽 US Flag
Items marked with the US flag are based on American laws, tax codes, or government programs. International readers can check Appendix C for equivalents in their country.