12-Month Personal Development Challenge Vault - Complete Fixed Version

Start with 00_Start_Here_Guide.docx.
Then open 01_12_Month_Business_Roadmap.docx.

The core product is the 12 complete challenge packs, one for each month.
Each challenge includes daily lessons, action steps, reflection prompts, a tracker, a completion message, and a next-step plan.

Use 13_Monthly_Challenge_Delivery_Dashboard_Template.docx to build the member-area experience.
Use the remaining docs for launch planning, promotion, emails, social posts, retention, delivery, catalog setup, and pricing.

This version includes actual ready-to-deliver challenges, not only outlines.
