The Boring Rich Toolkit
Ten minutes with a pencil, before the expensive decision.
The repair quote that makes you want a new car. The renewal letter with a bigger number on it. The listing that makes your house feel small. The cart at 11 p.m. Most money damage happens in a handful of moments like these, and almost nobody runs the numbers first. This kit is the pencil and the numbers.
The "Not Worth It" checklist: 24 things most people pay for without asking. Eight word-for-word scripts: cancel anything, the gym, internet, phone, car insurance, a medical bill, a rent increase, a card fee. The 10-year car tracker, with 120 boxes for your next-car fund. The stay-or-move calculator, including the 9% nobody mentions. Eight cut-out 48-hour cards for your wallet.
Not more information. A tool for the moment the decision shows up.
The math
If the internet script takes $15 a month off your bill, that's $180 a year from one ten-minute call. If the stay-or-move calculator talks you out of one move you didn't need, the numbers get big fast: selling one home and buying another often costs around 9% of the home's value. On a $300,000 house, that's about $27,000.
What you get
- The "Not Worth It" Checklist: 24 items to keep, cut or downgrade, plus a six-question test for anything new
- Word-for-Word Call Scripts: 8 scripts, a pushback cheat sheet and a call log
- The 10-Year Car Tracker: next-car fund, maintenance schedule, service log, and repair or replace
- The Stay-or-Move Calculator: one-time costs, monthly costs, the 10-year math and a real-reasons check
- 48-Hour Rule Cards: 8 business-card cut-outs and a 48-hour list
Who it's for: You'd rather spend ten minutes with a pencil than a year with a regret, especially if a car, a move or a bill negotiation is coming up.
23 printable pages (US Letter) · Emailed to you right after purchase · Print what you need, reuse it for years
