DIY Wealth Planning
Know Where You Stand. Build Your Next Financial Step.
Take a free five-minute assessment to explore your financial readiness, identify priorities, and create an educational action roadmap—with optional professional support when you want help.
Free educational assessment · No obligation to purchase · About 5 minutes
16
Assessment Questions
6
Wealth Pillars Scored
5
Readiness Tiers
Free
To Get Started
Why DIY Wealth Planning
Guidance built for real life, not Wall Street
01
No Jargon
We translate complex financial concepts into plain language you can actually act on — no MBA required.
02
Free Educational Tools
Free educational tools. Optional professional support. No obligation to purchase.
03
Built for Families
We understand the real-world pressures of mortgages, college funds, and retirement — all at once.
04
Clear About Costs
The assessment, calculators, and roadmap are free. Optional services provided through affiliated companies may involve fees or commissions.
Your 5-step journey
From Where You Are to Where You Want to Be
Five steps. Each one builds on the last. You can start anywhere — but most people start at Step 1.
Assess Your Financial Readiness
Start with our free Cube Wealth Readiness Engine™. Answer 16 questions across six financial pillars to explore where you stand today.
Start the Assessment
See Your Financial Readiness Score
Discover your strengths, potential gaps, and the areas of your financial life that may deserve more attention.
Preview the Score Tiers
Review Your Educational Action Roadmap
Explore educational priorities based on your assessment responses. Understand possible next steps without financial jargon or pressure. This roadmap is educational guidance, not a comprehensive financial plan.
See How the Roadmap Works
Explore Your Financial Command Center™
Turn your financial education into practical action. Explore six guided modules covering financial readiness, wealth building, retirement income, family protection, 90-day progress tracking, and what-if scenarios.
Open My Financial Command Center
Get Help When You Want It
Prefer a second set of eyes? Continue independently or explore optional professional support from Cube Wealth Dimensions. Coaching can help you organize financial priorities, understand educational assumptions, and stay accountable.
Explore Coaching OptionsFind out where your financial foundation stands
Answer 16 questions and get a personalized score across the 6 pillars this assessment measures — protection, emergency savings, debt, investing, wealth building, and financial habits. It is an educational prioritization tool, not a comprehensive financial assessment. Takes about 5 minutes.
No account required · See our privacy policy for how information is handled · Educational purposes only
?
Your Score
Someone is sitting in the shade today because someone planted a tree a long time ago.
What you can explore
What You Can Explore
No client stories or outcome promises — just the concrete things the free tools let you work through on your own.
Your financial priorities
Use the readiness assessment to think through what matters most right now — protection, savings, debt, investing, and the habits that hold a plan together.
Savings and debt scenarios
Run calculators that illustrate emergency-fund targets, debt payoff timelines, and savings-rate trade-offs using your own numbers.
Retirement-income illustrations
Explore illustrative projections of portfolio withdrawals and Social Security timing — clearly labeled estimates, not guarantees.
Questions for a professional
Leave with a list of informed questions to discuss with a qualified professional when you decide you want help.
Who's behind this
A real person. A real background. A real reason.
Miguel Núñez
Founder | Lead Financial Coach
Miguel Núñez spent 25 years in corporate finance and trading before recognizing a gap that bothered him: the families who needed financial guidance most were the ones least likely to get it. The advice was either locked behind expensive advisory fees, buried in jargon, or quietly designed to sell a product.
He left to build DIY Wealth Planning — a free, self-directed platform that gives middle-income families access to the same planning frameworks used by high-net-worth investors. Free educational tools. Optional professional support. Just tools, clarity, and a path forward.
DIY Wealth Planning provides self-directed financial education and tools. See our service disclosures for information about service providers and available support. The tools and resources here are genuinely free — and if you ever want a human conversation, Miguel and the team are available, with no obligation.
Take the First Step Towards Financial Clarity
The Cube Wealth Readiness Engine™ takes about 5 minutes. You'll get a personalized score across 6 pillars and an educational action roadmap—with optional professional support when you want it.
Free educational assessment · No obligation to purchase · About 5 minutes
Common questions
Questions families ask us most
Short answers here — the full breakdowns live on our FAQ page.
Have a different question? Ask CUBI in the chat, or see all 13 questions.