Outsmart Your Paycheck

Do you have plans for your money? Or are you just going to wing it?

Fred was past eighty, working the night shift at a grocery store register. His Social Security did not cover the rent, the utilities and the medicine, so he worked. He had worked hard his whole life. He was never handed a system.

Outsmart Your Paycheck is that system, written for someone starting from zero. Charles Wainer shows you how to build it, one small, automatic step at a time.

No hot tips. No hype. No get-rich-quick. Just a system you set up once, check quarterly, and that keeps working long after motivation runs out.

This book is for you if:

• Your paycheck is mostly gone before the next one lands

• You have a retirement account you don't really understand

• You keep meaning to start, but nobody told you where

• You think you need more money before you can begin

You don't need a finance degree or a higher income. Just the paycheck you already have.

Read it. Scan it. Do it. QR codes throughout the book open working calculators, worksheets and checklists. What you type stays on your own device. No account. No sign-up. A thirty-day plan at the back takes you from "I should start" to a system that runs on its own.

About the author. Charles Wainer is a real estate investor and senior living developer in Scottsdale, Arizona. He has built companies from the ground up. Some were real successes. Some were real flops. He teaches beginners now. Most of what he knows about money, he learned the expensive way. He wrote this book so you don't have to.