Free guide for people who work for a living
Six money moves, in the right order.
A free, plain-English roadmap for people who work for a living: paycheck math, a starter buffer, your full employer match, a debt plan, simple investing and growing your income. One step at a time, over ninety days.
Written by Aaron, who spent twenty years in a hands-on job until carpal tunnel forced a rethink of the math.
Free guide for people who work for a living
The Learn to Earn Money Roadmap
Six money moves, in order, over ninety days.
Learn to Earn
Inside the roadmap
Six moves, in order. Nothing you don’t need.
Paycheck math.
Your real take-home pay, your real hourly wage, and where every dollar goes, in one evening.
A starter buffer.
How much to set aside first, where to keep it, and how to automate it.
Your full employer match.
How to read your plan’s match formula and vesting schedule, with 2026 IRS limits.
A debt plan that sticks.
Avalanche or snowball, plus a worked example of what an extra $100 a month does.
Simple, automatic investing.
Roth or traditional IRA, index funds, expense ratios and why boring is a strategy.
Growing your income.
Asking for a raise, testing a side income, and the plain-English tax basics.
Written for one kind of reader.
This is for you if
- You work for a living and your paycheck seems to disappear before the month ends
- You know you “should” invest but don’t know what comes first
- You want the real steps, including the boring ones
It’s probably not for you if
- You want a set number by a set date
- You’re facing collections or bankruptcy (a nonprofit credit counselor is a better first call)
- You want a trading system or stock tips
One evening. One worksheet. A money plan you can actually follow.
Is it really free?
Yes. It’s a full guide, not a teaser.
Is this financial advice?
No. It’s general education with worked examples labeled as examples. For decisions about your own taxes or investments, talk to a qualified professional.
Do I need a lot of money to start?
No. The first move is free and takes one evening. The plan works at any income, one step at a time.