Demo — sample scenario · inputs locked · full version at thebullbrew.com
The Bull Brew · Paid Edition
The Windfall Protocol
Money landed in your lap — an inheritance, a bonus, a settlement, a sale. Most windfalls are gone in eighteen months. This is the 90-day command system that makes yours permanent: freeze it, shield it, kill the debt, then — and only then — put it to work.
Tax Set-Aside
$0
Debt Eliminated
$0
Interest Saved
$0
Left to Allocate
$0
Protocol checklist0 of 0 complete
◆ I. The Windfall
One number, one source, one honest tax estimate. Everything in the Protocol hangs off these three.
The gross figure, before tax. The Protocol works on what's real.
A planning estimate, not a tax return. Confirm with your CPA — see Phase II.
Parked for taxes on Day 8$0
Deployable after the set-aside$0
◆ II. The Debts
Every balance that's charging you rent for your own money. The Protocol pays them in avalanche order — highest APR first — because math doesn't care about your feelings.
Debt nameBalance ($)APR (%)Minimum ($/mo)
Total debt on the table$0
Combined minimums$0 / mo
◆ III. Your Ground
The cushion comes before the portfolio. Tell the Protocol what a month of your life costs and what you've already got behind you.
Housing, food, utilities, insurance, transport. The survival number, not the lifestyle number.
Cash and near-cash only. Not the 401(k), not the house.
Six is the house standard. Variable income? Take nine.
Emergency-fund target$0
Still needed to fill it$0
◆ IV. The 90-Day Protocol
Four phases, in order, no skipping. Each phase unlocks the next. Check items off as you do them — in the full version, your progress is saved on this device.
◆ V. Debt Triage — The Kill Order
Your debts, ranked by the damage they do. The lump lands on Day 31 in exactly this order; every freed minimum rolls into the next name on the list.
◆ VI. Allocate — Days 61 to 90
What's left after taxes, debt, and the cushion gets its orders here. Slide the buckets; the guardrails will push back when you get greedy.
Emergency-fund top-up (automatic, first)$0
Allocation pool$0
◆ Rules of the Protocol
Print them. Tape them to the fridge. They've saved more money than any stock tip ever will.
Ninety days of boring beats nine days of thrilling — every single time.
The first job of new money is to stop being new. Park it somewhere dull.
Taxes get estimated early and confirmed once, in writing. The IRS does not accept vibes.
Double-digit APR is a fire. You don't invest around a fire — you put it out.
Fun money is capped at 5%. Fun is a line item, not a leak.
Nobody needs to know. The fastest way to halve a windfall is to announce it.
A freed payment is a soldier reassigned, never a soldier discharged. It rolls to the next fight.
This was the sample. Yours is waiting.
The full Windfall Protocol runs YOUR number — your debts in kill order, your interest saved to the dollar, and a live 90-day checklist that remembers where you left off. Sold as a one-time purchase at thebullbrew.com. No subscription. No account. The money stays yours; so does the plan.