FAQ

You should know first that this is a digital file. Once it has landed on your telephone or your computer, it cannot be returned the way a coat is returned to a shop. So a refund is not a thing I can promise to anyone, and you should buy with that understood.

That said, if you have a real reason and you write to me honestly, I am not a stone. I do not want money from a man who is unhappy with what he bought. Write to me, tell me plainly, and we will speak about it like two grown people.

Yes. The payment does not pass through me at all. It passes through Stripe, the American company that handles the card transactions for some of the largest businesses in the world, billions of payments every year. Your card details never sit on my computer or on this website. They sit with Stripe, behind their security.

But I will tell you something else, since you ask. At my age, money is the smallest thing in my life. I do not need yours, and I do not want it the way a younger man wants it. What I want is for you to read the book and have your own money serve you for the next forty years. That is the trade we are making.

The moment your payment goes through, the book is yours. You receive a link to download a PDF file. You can read it on your telephone, on your computer, or you can print it on paper if you prefer paper. It is one file, yours forever, and after the first download you do not need to be online to open it again.

It is low because the people who need it most are the ones counting every coin. A man at one thousand a month should not have to become richer before he can afford the book that is meant to make him richer.

At launch the book costs ten dollars and ninety nine cents. Every third day the price rises by one dollar, until it settles at twenty ninety nine and never moves again. Why three days? When Ceaușescu fell, I did not move on the first morning. I watched for three days, until I was certain no one was watching me back. Then I moved, and I did not stop for thirty years. Three days to decide has always been the family rhythm, and the countdown on the buying page keeps its word. It is one clock, the same for everyone, and it does not reset for anybody.

And I will be honest the way I am honest everywhere on this page. I do not need the money. The price starts low so that no one has the excuse, and the longer you circle, the more the circling costs. What you should weigh is not twenty dollars. It is what the next forty years of paydays do, handled the old way or handled this way.

The writing of the book took me a few months. The thing the book contains took my whole life to learn. So you are paying for a few hours of reading, and for the decades of mistakes I already made on your behalf.

Will it make you a millionaire by Friday? No. Any man who tells you a book can do that is selling you a dream, not a book.

What it will do, from the very evening you finish reading it, is change what you do with the money on the next Friday. That is where the value sits. And as your wage grows over the years, you come back to the book. The chapter that belonged to you at one thousand a month is not the same chapter that belongs to you at five thousand. The book grows with you.

Do not worry about the exact figure. The chapters are not a lock that opens for one precise wage and no other. They are rooms, and you walk into the one nearest to what you earn.

If you make a little under one of the numbers, read the lower chapter, because it is written for a person who must be careful with every coin. If you sit between two of them, read the lower one first and the higher one second, and you will see your own road in both. And when your wage grows, the next room is already waiting for you.

No. That is the whole point of it. The book assumes nobody ever sat you down, because for most working people nobody ever did. Every account, every term, every step is said in plain words, and where a big letter word like IRA or ISA appears, I tell you what it is, where the door is, and how to walk through it.

If you can read a letter from an old man, you can read this book.

Seventy-nine pages. One honest evening for the whole of it, less for the part that matters most, because you do not need every chapter. You read the beginning, the accounts guide, and then the one chapter written for your wage, slowly.

Then you keep it. At every raise you come back, and the next chapter is already waiting. An evening now, a return visit every time your life moves.

Your own household, at your own table, yes. I am a family man before I am anything else, and a book about lifting a family was never going to forbid the family from reading it. If your wife or your son picks it up after you, that is the book doing its work.

What I ask is that you do not hand the file to the whole internet, and do not sell it as your own. A man's work is his own. Respect that, and we have no quarrel.

Real, every word.

While men in the West were on Wall Street, recording themselves becoming rich for the cameras and writing books about it before the money was even theirs, in Eastern Europe in those same years there were no cameras and no books written. A man rose at four in the morning, drove a taxi, traded what could be traded, sold a sharp knife to a hungry man who needed one, and at the end of thirty years his grandchildren kissed his hand when he walked into the room.

That kind of wealth does not document itself. A man who shouts about what he has built attracts the envious and the hungry, and our people learned long ago not to shout. So you will not find me on a magazine cover. You will find me in this book. The difference between a story told quietly and a story told loudly is not the difference between false and true.

Because every working person on this earth has one, and every working person on this earth makes the same mistake with it.

A German is satisfied with two thousand euro a month. A British woman is satisfied with three thousand pounds. An American is satisfied with five thousand dollars. A man in South Asia is satisfied with four hundred. The numbers look nothing alike. The feeling is exactly the same. They all wake on Monday with the wage in their hand, and by Friday it has gone somewhere they cannot remember, and by Monday again the same hunger sits at the table.

The amount is not universal. The trap is. And the way out of the trap is also universal. So the book is for all of them, in any country, in any currency. The chapter that belongs to each person tells them what to do with the wage they have, not the wage they wish they had.