What's the simplest possible financial plan for a beginner, and how often should I review the whole thing?

The simplest plan fits on an index card: spend less than you earn, capture your 401(k) match, pay off high-interest debt, build a 3–6 month emergency fund, then automatically invest 15% of income in low-cost index funds and leave it alone. That covers the moves that drive most of your results — perfection on the details matters far less than consistency. Automate every step so good behavior happens without willpower. As for reviewing the whole plan: a quick check quarterly and a thorough review once a year is plenty for most people. Major life events — marriage, a baby, a job change, a move — warrant an off-cycle review since they reshape your goals and budget. Start the foundation at wealthserene.com/assessments/financial-wellness.