The Gap Audit establishes your financial baseline. Compare your actual spending against national benchmarks to surface hidden waste and set your Gap Score — the diagnostic that drives everything downstream.
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01
The Gap Audit™ · Step 1 of 4
Let's start with your baseline.
Two quick numbers — income and current savings rate. This establishes the Gap: the most important metric in your financial life.
$1,479
Average American monthly savings — before we help you find more
34%
of Americans have less than $1,000 in emergency savings right now
$14K+
average annual spend across audited categories — most of it optimizable
After taxes. If variable, use your conservative average.
Include 401k, emergency fund, any savings accounts.
Rent or mortgage. Excluded from audit — we focus on optimizable categories.
02
The Gap Audit™ · Step 2 of 4
Where does your money go?
Enter your honest monthly spending. The bar shows how you compare to the national average for your household size. Leave blank if a category doesn't apply.
🍽 Food & Drink
🍔
Dining Out & Takeout
HIGH WASTE ZONE
Restaurants, fast food, delivery apps, work lunches. The #1 category where American households overspend vs. their actual budget.
$/mo
Avg: —
🛒
Groceries
OPTIMIZE
Grocery store spending including household supplies. Meal planning cuts this 15–30% with no lifestyle impact.
$/mo
Avg: —
☕
Coffee Shops & Cafés
HIGH WASTE ZONE
Daily coffee, specialty drinks outside the home. Most people dramatically underestimate this number.
$/mo
Avg: —
🍷
Alcohol & Bars
LIFESTYLE
Beer, wine, spirits at home plus bar spending. Include both home consumption and going out.
$/mo
Avg: —
📱 Subscriptions & Services
📺
Streaming Services
SUBSCRIPTION CREEP
Netflix, Hulu, Disney+, HBO, Peacock, Paramount+, Apple TV+, Spotify, podcasts. Total all active subscriptions.
$/mo
Avg: —
🏋️
Gym & Fitness Memberships
FORGOTTEN SPEND
Gym memberships, fitness apps, Peloton subscriptions, class packages. 67% of gym members stop going after month 3.
Car + homeowners or renters insurance. Most people pay 18–35% more than necessary by not shopping annually.
$/mo
Avg: —
📱
Cell Phone Plan(s)
OPTIMIZE
Total monthly cell bill for all household lines. MVNOs (Mint, Visible, Cricket) offer identical coverage for 40–70% less than major carriers.
$/mo
Avg: —
🌐
Internet & Cable / Satellite TV
NEGOTIATE ANNUALLY
Internet, cable/satellite TV, landline. Call annually and threaten to cancel — most carriers cut rates 20–40% to retain you.
$/mo
Avg: —
🛍 Lifestyle & Personal
👗
Clothing & Apparel
HIGH WASTE ZONE
All clothing purchases. Fast fashion items are worn an average of 7 times. Apply the True Cost Engine™ — fewer, better purchases nearly always cost less overall.
$/mo
Avg: —
💅
Personal Care & Beauty
LIFESTYLE
Haircuts, salon, nails, skincare, makeup, grooming products. Average household spends more here than they typically estimate.
$/mo
Avg: —
🎭
Entertainment & Recreation
LIFESTYLE
Concerts, events, movies, hobbies, gaming, activities. Intentional entertainment is healthy — unexamined spending is not.
$/mo
Avg: —
📦
Online Shopping (Amazon & Others)
HIGH WASTE ZONE
One-click purchases, impulse buys, unplanned online orders. This category is structurally designed to maximize your spending — and it works.
$/mo
Avg: —
MONTHLY SPEND ENTERED$0
VS. NATIONAL AVG—
POTENTIAL SAVINGS / MO$0
ANNUAL OPPORTUNITY$0
03
The Gap Audit™ · Step 3 of 4
What if you made these changes?
Drag each slider to your realistic target. Watch the monthly savings and compound impact update in real time. This is where the numbers become visceral.
The Compound Savings Projection
Enter scenarios above to see your projection.
10 YEARS
$0
Consistent monthly contribution at 7% avg return
20 YEARS
$0
The compounding acceleration zone
30 YEARS
$0
Full compounding power realized
Projections use 7% average annual return (approximate historical S&P 500 inflation-adjusted average). For illustrative purposes only. Not financial advice.
04
The Gap Audit™ · Your Results
Your Gap Score.
Based on your savings rate, spending patterns, and optimization opportunity. This score reflects where you are — not where you'll stay.
YOUR LEAN DOLLAR GAP SCORE™
—
Calculating…
Prioritized Action List — Ranked by Monthly Impact
If You Act on These 0 Changes…
10 YEARS
$0
At 7% avg annual return
20 YEARS
$0
Compounding acceleration
30 YEARS
$0
Full compounding realized
THE NEXT STEP
Audit complete. Now build the system.
The Gap Audit shows you what's possible. Lean Dollar: Core — with the Income Sprint, PDCA Dollar Cycle, and True Cost Engine™ — gives you the operating system to actually capture it.
Includes the True Cost Engine™ calculator, Lifestyle Ledger, Sprint Workbook, and 6-module video curriculum.