Q&A prep
Questions to expect
Strong teams do not memorize scripts; they understand why each recommendation is in the plan.
Why this debt first?
Answer with APR, required payment, risk, and cash-flow impact. High-interest credit-card debt usually comes before extra investing.
Why not pay off the mortgage?
Compare interest rate, liquidity, emergency fund needs, retirement funding, and opportunity cost.
Can they afford this?
Point to the monthly budget and name the tradeoff that funds the recommendation.
What if income changes?
Show which actions are mandatory, which can pause, and how the emergency fund protects the household.
What are your assumptions?
List them calmly. Good assumptions are conservative, relevant, and do not contradict the case.
What is the first step?
Give a concrete first action: automate a payment, call HR, price term life insurance, or open a separate savings bucket.