Global Edition · Works in any currency
The Real You Library · Book 01

Stop running out of money
before the month ends.

A 96-page, plain-English plan for salary earners who take home good money and still look at their balance on the 18th wondering where it went. No suffering. No second job. Four words. Ninety days.

Get the book — $9 → Free 10-Minute Audit

Instant PDF download · Pay with card in any country

Length96 pages
Plan90 days
Read in~2 hours
CurrencyUS$ · convert inside
The Paycheck-to-Paycheck Escape Plan — Global Edition book cover

Free tool · No purchase requiredThe 10-Minute Audit.

One page. Ten minutes. The single number that explains why your salary disappears — and what to do next.

Enter your email to get the Audit instantly — we'll also send a copy to your inbox. Before you buy anything, do this. Print it. Use a pen. When you're done, you'll know your fixed-cost percentage, your verdict, and the two bills to attack first.

Free · PDF

The 10-Minute Audit

The companion worksheet from the book. Yours instantly.

  • Your fixed-cost percentage — the number that explains your month
  • Verdict: small fixes, tight, or structural surgery
  • The Leak Census — find the money that leaves without a decision
  • The 8-Minute Payday Drill — your first split, done today
  • Your first emergency shield — five moves to start it this week

    The Audit is step one — it finds your number in 10 minutes. If you want the exact 90-day plan to fix it, the book is $9 — delivered instantly as a PDF. No pressure either way.

    We'll email you the Audit plus occasional new-book notes. No spam. Unsubscribe any time. Privacy.

    The problemIt's not the coffee. It never was.

    If you earn $3,000, $5,000, even $15,000 a month and your account is empty by the 18th, you are not bad with money. You are not lazy. You are playing a game that was built to take your money back.

    ADP Research's "People at Work 2024" global survey asked more than 38,000 workers across 34 countries whether they were living paycheck to paycheck — fifty-seven percent said yes. A separate analysis of US consumer finances by PYMNTS / LendingClub has repeatedly found that a large share of high earners (including people earning over $100,000/year) also report living paycheck to paycheck. The point isn't the exact number; the point is that when the income is bigger, the system that quietly eats it gets bigger too. ADP source → PYMNTS source →

    "This is not a poor-people problem.
    It's a design problem.
    And design can be rebuilt." — From the foreword

    You've tried the apps. You've tried tracking receipts. You've tried "no spending months" that collapse by Wednesday. They all fail for the same reason: they start with your spending, when the damage was already done before you bought anything you actually wanted.

    Fixed costs are the flood. The small treats are a teaspoon. Any advice that starts with the teaspoon isn't solving your problem — it's just making you feel guilty while you drown.

    The whole systemFour words. That's it.

    Every chapter, every worksheet, every script, every template in this book translates back to four words. You can read the whole thing in about two hours, and you'll be using those four words on your next payday.

    Leaks

    Money that leaves without a decision

    Subscriptions, fees, renewals, payment plans, delivery charges, bank bites. Find your three biggest leaks and plug them. Most people recover $150–$500 a month here.

    Buckets

    A split that happens before you spend

    On payday, before you touch anything, split into four buckets: Bills (60–70%), Life (20–25%), Buffer (5–10%), Future You (5%). Then Bucket 2 becomes the only number your eyes can see.

    Buffer

    Your first real shield

    $1,000. The size of one ordinary emergency — a phone screen, a car battery, a clinic bill. Built in 30 to 60 days. Stored in a separate account, no card. Money leaves only for an emergency you defined in advance, in calm.

    Drill

    8 minutes. Every payday. Forever.

    Eight minutes to run the split, check the buckets, move the Buffer, pay one bill ahead. That's the whole recurring system. Willpower runs out by 9pm. Rules don't.

    The 90-day planThree phases. No drama.

    The book walks you through the plan in calendar order. You don't have to be "good with numbers." You just have to be willing to write things down.

    Phase One · Days 1–30

    See it.

    The first 30 days are not about cutting back. They're about seeing clearly.

    • Run the 10-Minute Audit — your fixed-cost number
    • Plug your 3 biggest leaks
    • Do your first 8-Minute Payday Drill
    • Start your $1,000 Buffer

    Day 30 gate: you know your number, your leaks are named, and your first buffer is underway — with a target sized to your own income and expenses.

    Phase Two · Days 31–60

    Fix it.

    Now that you can see it, rebuild the parts that are bleeding quietly.

    • Negotiate or cut one big fixed cost
    • The Debt Spiral Exit — cards, payment plans, family debt
    • The Raise Rule — defend against good news
    • Family money — the Giving Cap
    • The Irregular Income Edition for freelancers
    Phase Three · Days 61–90

    Make it stay.

    Systems survive if they survive real life. This phase builds the habits that hold when things go wrong.

    • The Scarcity Tax and the 3am Protocol
    • Money fights — couples, flatmates, shared bills
    • Children on board
    • The Rising-Price Defence
    • The Day 90 Review — one page, then ninety more
    30
    Days to see it
    $1k+
    First shield target
    8 min
    Each payday
    90
    Days to the other side

    What's inside the book96 pages. Nothing filler.

    Plain English. No big bank words left unexplained. A worked example ("Maya, $5,000/month, 92% fixed costs") runs through the whole book so you can see every move on a real person before you make it on your own numbers.

    §1

    The Leaking Bucket

    Why your money disappears — and why it was never the coffee.

    §2

    The No-Willpower Budget

    Buckets, not discipline. The split that works on a tired Tuesday.

    §3

    Make Payday Last

    The 8-minute drill, step by step, with scripts for your bank app.

    §4

    The $1,000 Breathing Room

    Five moves that build your first shield in 30–60 days.

    §5

    The Debt Spiral Exit

    Cards, payment plans, family debt — snowball vs. avalanche, the autopay floor, and how to ask for a restructure.

    §6

    When 70% Is the Real Problem

    Cutting the big costs — rent, transport, insurance, the things that actually move the percentage.

    §7

    Family and Friends

    Helping without drowning — the Giving Cap, the honest "not this month" script.

    §8

    The Scarcity Tax

    Shame, anxiety, and the 3am Protocol — when the thinking is more expensive than the spending.

    §9

    Couples & Shared Bills

    How to stop having the same money fight on the 19th of every month.

    §10

    The Irregular Income Edition

    The same plan if you're freelance, on commission, gig, or paid in lumps.

    §11

    The Rising-Price Defence

    What to do when everything costs more than it did three months ago.

    §12

    Appendix J · The Last Ten Days

    Triage for when this month is already on fire. Read first if money finished and payday is far.

    +

    Appendix K · The No-Second-Job Income Menu

    Five hours a week, firewall intact — for when the honest maths says you do need to earn more, not just plug leaks.

    +

    Script Vault · 14 lines

    Word-for-word scripts for negotiating bills, asking for a refund, saying no to family money requests, and the payment-plan restructure conversation.

    +

    Templates & Calendar

    My Escape Plan worksheet, the 30-Day Challenge, and the 90-Day Escape Calendar you can print and stick on a wall.

    Ready to stop restarting every payday?

    Thirty days from now you'll know your number, your biggest leaks will be named, every payday will start with the same split, and a buffer — sized to your income — will be underway. Within ninety days, the 18th stops being a day you dread.

    Global Edition · PDF

    The Paycheck-to-Paycheck Escape Plan

    The 90-Day System to Make Payday Last

    $9

    One-time payment · instant PDF download · works in any currency

    • 96-page PDF — read on any phone, tablet, or laptop
    • Instant download after payment — no waiting for email
    • All worksheets, scripts, templates, and the 90-day calendar
    • Currency conversion table inside (US$, £, €, ₦, ₹, R, KSh, ₱, R$, C$, A$, ¥)
    • Free lifetime updates to the digital edition
    Get the book — $9 →

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    This book is general money education. It is not personal financial advice. For significant decisions — especially around debt, large purchases or bankruptcy — speak to a qualified financial adviser who knows your exact situation. See the full privacy policy.

    ✓ This book is for you if…

    • You earn decent money and still run out before payday
    • You've tried budgets before and they didn't stick
    • You want a plan, not a lecture
    • You'd rather fix structure than rely on willpower
    • You need something concrete before your next payday lands

    ✗ This book is NOT for you if…

    • You want get-rich-quick or "passive income" fantasies
    • You're looking for a crypto or day-trading system
    • You want a 300-page book full of theory
    • You're already financially independent and buffered
    • You want someone to blame — this plan starts with structure, not shame

    QuestionsThe ones you're already asking.

    Is this another "stop buying coffee" budget book?

    No. Chapter 1 proves that coffee is not the problem — fixed costs and invisible leaks are. There is no suffering, no "track every penny," no shame. The small joy is explicitly protected.

    Does it work outside the US? I'm paid in [my currency].

    Yes. The Global Edition uses US dollars as the teaching currency only — every figure is an example for teaching the method, not a rule. There's a currency conversion table at the front covering US$, £, €, ₦, ₹, R (South Africa), KSh (Kenya), ₱ (Philippines), R$ (Brazil), C$, A$ and ¥. The percentages (60–70% bills, 20–25% life, 5–10% buffer, 5% future you) are the part that travels — they don't care what your money is called.

    I'm paid weekly / every two weeks / freelance. Does this still work?

    Yes. The plan is about the day money lands, regardless of what day that is. Freelance, commission, gig and irregular-income readers have their own section (Section 10 in the Global Edition). You run the same 8-minute drill every time money hits your account.

    What format do I get, and how is it delivered?

    You get a 96-page PDF that opens on any phone, tablet, or computer. Right after you pay, you land on a thank-you page with a download button. No waiting for an email, no login required — though you can save the PDF to your device and keep it forever.

    Do I need a second job or a side hustle?

    No. The core plan doesn't ask you to earn more. It fixes what's already coming in. There's an appendix called The No-Second-Job Income Menu for when the honest maths says you do need more — five hours a week, firewall intact.

    What if I'm already in debt — cards, loans, family money?

    Section 5 walks through the debt spiral exit: the debt inventory, snowball vs avalanche, the autopay floor, and how to ask for a restructure. The Last Ten Days triage appendix also covers a bridge plan when this month is already on fire.

    What's the refund policy?

    Because this is an instantly-delivered digital product, please read the description and FAQ before you buy. If the file doesn't arrive, won't open, or there's a payment issue, message us on WhatsApp and we'll resolve it within 24 hours — including a full refund if we can't fix it. Full policy is on our privacy policy page.

    "Thirty days from now, one emergency will feel boring.
    That's the escape."

    Payday is coming.
    This time, it lasts.

    Stop restarting every January, every Monday, every first of the month. Get the plan that works with your real life, not the one you wish you had.

    Get the book — $9 → Grab the free Audit first
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