Personal finance is basically just two equations.
Net Worth = Assets - Liabilities
Savings = Income - Expenses
So simple math tells us that to increase our net worth we need to either increase our assets our decrease or liabilities and to increase our savings we need to either increase our income or decrease our expenses.
Beyond that it’s really up to personal preference. Some people follow the Dave Ramsey line of thinking and seek to increase net worth by eliminating debt. Other people believe in the concept of “good debt” seeking to increase net worth by increasing assets. Some people believe frugality is the best way to increase savings and thus focus on reducing expenses. Others believe that income is the best thing to focus on to increase savings, so they increase expenses (moving cities for better opportunities, paying for education/training, etc) in search of higher income.
I mean even OP’s template is just a bunch of simple math formulas put in a pretty format. There are no complex formulas or logic tests., which there doesn’t need to be because personal finance is basic math.