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Tarver S: Your Blueprint for Financial
Literacy

Your Blueprint for Financial Literacy

A Better Understanding of Personal Finances Regardless of Age

You've done everything you were supposed to do. So why does it still feel like you're falling behind?

You work hard. You make responsible decisions. Yet one car repair, medical bill, or major home expense can wipe out months of progress and put you right back under pressure. Progress shouldn't be that fragile.

In How Normal People Get Rich, Josh Weaver explains why so many hardworking people stay stuck and lays out five clear steps to build financial stability and wealth that lasts.

Drawing on his background in risk management, original homeowner survey data, and real-world financial behavior, Josh Weaver lays out a clear path to:

¿ Get out of debt without living in survival mode
¿ Build savings so emergencies stop wiping out your progress
¿ Spend without guilt while still making financial progress
¿ Escape the car payment cycle and buy your next car with cash
¿ Buy a home without becoming house poor
¿ Invest consistently and build wealth without hype or guesswork

Most money advice relies on hype, shortcuts, or strategies that only work under perfect conditions. This is a grounded plan for people who want their money to stop falling apart when life gets expensive.

Stop starting over. Build something that lasts.

Includes free financial tools and templates.

Avoid the Traps. Build the Wealth

How Normal People Get Rich

Budget Bliss: The Easy Path to Financial Freedom is a calm, practical guide for anyone who wants control over their money without stress, shame, or complexity. This book redefines budgeting as a supportive system-one that works with real life, limited energy, and imperfect weeks.
Rather than rigid rules or exhausting spreadsheets, Budget Bliss introduces simple, human-centered strategies that fit into just minutes a week. Readers learn how to simplify their finances, save money effortlessly, pay off debt without pressure, and build long-term wealth through clear, approachable methods. Each chapter focuses on reducing anxiety while increasing clarity, consistency, and confidence.
This book is ideal for readers who feel overwhelmed by traditional financial advice, have tried budgeting before and burned out, or want financial peace without giving up joy. With reflective prompts, gentle mindset shifts, and practical tools, Budget Bliss helps readers replace fear with trust and chaos with calm structure.
Financial freedom doesn't require perfection, deprivation, or hustle. It requires systems that are sustainable and kind. Budget Bliss offers a steady path toward stability, security, and ease-so money stops being a source of stress and starts becoming a quiet support for the life you want to live.

The Easy Path to Financial Freedom

Budget Bliss

Your first paycheque feels like freedom. But once the salary arrives, so do the decisions. 
How much is really yours after deductions? Which bills should be paid first? How much should you save? When does a credit card become expensive? How large should an emergency fund be? And how do you enjoy earning your own money without quietly committing most of your future income before it arrives? 
The First Paycheque Manual is a practical guide to the financial habits that matter when regular income begins. It explains payslips, bank accounts, budgeting, bills, saving, emergency funds, credit cards, instalment plans, debt, insurance, renting, pensions and major financial commitments in clear, accessible language. 
Rather than promising quick wealth or imposing unrealistic budgeting rules, the book focuses on building a financial system that works in ordinary life. It shows how small decisions made early can create greater resilience, fewer costly mistakes and more freedom later. 
Whether you are starting your first full-time job, becoming financially independent or simply learning to manage regular income properly for the first time, this is a guide to making your paycheque work before your commitments begin working against it. 
Disclaimer: This book is provided for general educational and informational purposes only and does not constitute personalised financial, investment, tax, legal, insurance or credit advice. Financial products, laws, taxation, consumer protections and pension arrangements vary by jurisdiction and can change over time. Readers should verify current local rules and, where appropriate, seek advice from a suitably qualified professional. Any companies, products, services or trademarks mentioned remain the property of their respective owners. Their inclusion is solely for factual or explanatory purposes and does not imply endorsement, sponsorship or affiliation.

Banking, Bills, Saving, Credit and the Money Habits to Build from Day One

The First Paycheque Manual

Introducing: "Converted" - Access The Power of Personal Credit to Skyrocket Your Business Growth!


Are you a new entrepreneur looking to build a thriving business but held back by a less-than-perfect credit score? Do you dream of accessing the financial resources you need to make your entrepreneurial visions a reality? Look no further! We've got the ultimate guide to help you improve your personal credit and leverage it to propel your business to new heights: "Converted"!


This comprehensive, step-by-step book is expertly designed to help aspiring business owners like you repair, strengthen, and maintain exceptional personal credit scores, which can open the doors to a world of opportunities for your business ventures.


¿¿¿¿ Features and Benefits ¿¿¿¿

Easy-to-Understand with Actionable Steps: "Converted" breaks down complex credit concepts into simple, practical steps that you can easily implement and start seeing results in as little as 30 days.



Insider Secrets from an Industry Expert: Learn proven strategies and tactics from one of the top financial strategist and successful entrepreneurs who have mastered the art of credit restoration and management.



Comprehensive Credit Knowledge: Discover everything you need to know about credit scores, credit reports, and credit bureaus, ensuring you have a solid foundation of knowledge to build upon.



Credit Restoration and Rebuilding: Find out how to identify and dispute errors on your credit report, negotiate with creditors, and establish positive credit habits that will help you restore and rebuild your credit quickly.



Personal Credit Optimization: Uncover advanced techniques for optimizing your personal credit profile, making it more attractive to lenders and improving your chances of securing business loans and lines of credit.



Business Credit Building: Learn how to effectively leverage your personal credit to establish and grow your business credit, ultimately providing your enterprise with the funding it needs to flourish and remain capitalized.



Bonus Resources: Receive access to exclusive online resources, including financial management tools, templates, and calculators that will support your credit improvement journey.




Don't let a low credit score hold you back from achieving your entrepreneurial dreams! Invest in your future success with "Converted" today and unlock the power of personal credit to catapult your business growth.

Uncover the Hidden Strategies You Need to Easily Achieve Massive Credit Score Success (Business Edition)

Converted

Find Your Prosperity

Real Estate Investing

If you want to stop relying on your day job and have the freedom to pursue your dreams, then keep reading... 
 
Do you feel stuck in a miserable job, slaving away from 9 to 5 because you don't have any other income and are scared of not having enough to get by?
 
Do you want to have the flexibility and freedom to spend more time with your family, travel the world, or work on your personal projects? 
 
Are you looking for a way to increase your income and build your wealth without spending a lot of money upfront and while still keeping your day job?
 
If you answered "yes" to any of the above questions, then you may want to consider investing in real estate as a path towards financial freedom. 
 
According to Forbes, real estate offers the safest, steadiest, and simplest way to build wealth. In fact, Andrew Carnegie once claimed that "90% of millionaires become so by investing in real estate."
 
Even millennials know that real estate is a key way to build wealth, with the average millennial millionaire already owning 3 properties.
 
I know what you're thinking... I don't have millions of dollars to buy real estate! Well, you don't have to be a millionaire to get started in real estate investing. 
 
Many millionaires started with just a small investment and built up their portfolio from there. For example, Arnold Schwarzenegger used his bodybuilding savings to invest in real estate, which eventually made him his first million. Acting didn't make him a millionaire. Real estate did!
 
Think of it this way:
By saving and investing just 7% of your paycheck for a down payment, you can already own real estate and start reaping the benefits.
 
Financial Freedom with Real Estate is a straightforward guide to help you understand how wealth creation works through real estate. It provides useful tools and strategies for real estate investing, even without millions of dollars.
 
In Financial Freedom with Real Estate, you will discover:
¿ How you can replace your salary with rental income, so you are not dependent on your 9 to 5 job
¿ Why millionaires like Shark Tank judge Barbara Corcoran say that real estate is the best investment you can make
¿ A step-by-step guide into getting into your first real estate investment
¿ 6 essential formulas you need to master to make money
¿ How to buy your first investment property, even if you don't have money to invest
¿ The secret to saving money by owning real estate
¿ The lease arrangement that most real estate investors overlook, that can bring in higher and steadier returns
¿ 3 simple ways to double, then triple and exponentially increase your investment portfolio and send you on your way to become financially free
¿ Free bonus: An easy-to-follow checklist towards financial freedom
 
And much more.
 
It is no longer enough to rely on your job. The COVID-19 pandemic has shown how expendable employees can be in times of crisis.
64% of Americans don't have enough money for retirement and will have to keep working beyond 60. Do you want to be one of these people? 


Don't get left behind and remain stuck in a thankless job. Start your journey towards financial freedom today.

Start Making Money Today Because Everyone Else Is: 3 Simple Ways That Even Your Kids Can Do It: Secrets Guaranteed to Work Right Away

Financial Freedom With Real Estate

The Money Sandbox: Smart Wealth - How to Build Wealth, Carry Risk and Still Sleep at Night is a practical guide to holistic wealth: money, time, stress and the freedom to try new things without blowing up your plan.Most money advice tells you to hustle harder, optimize every line item or chase the next hot idea. This book takes a quieter but more durable path. Product leader and wealth coach Hemant Goyal, MBA, CWM, ChFM walks you through the foundations of holistic wealth planning in simple terms with real world examples across cash buffers, investing, real-estate, insurance, crypto, collectibles and the human side of money.You'll learn how to map your money to a "Perfect Tuesday" instead of a vague retirement age, build a Financial Independence engine using three simple levers of Spend, Earn, Invest; and set up a 12-month tune-up so saving, investing and taxes run mostly on autopilot. You'll also discover the Sandbox Percent and "curiosity caps"; small, intentional slices of your money reserved for crypto, collectibles, side bets or other "shiny" ideas as part of a plan; not in place of one.With reflection prompts, scripts and one-page tools, The Money Sandbox helps busy professionals turn money from a background stress into a calm, predictable system so they can build wealth, carry risk thoughtfully and still sleep at night.

The Money Sandbox

"The future of personal finance starts with spare change and a winning mindset."
 Book Description

Financial Freedom for Millennials &amp; Gen Z: Grow Big Money with Spare Change is a clear, practical guide designed for a new generation of earners who refuse to be limited by traditional career paths. This book offers actionable strategies to:Build wealth starting with small amounts
Leverage digital tools and micro-investing apps
Create multiple income streams independently
Adopt a financial freedom mindset in today's economy


In a fast-changing financial and professional world, this guide is the roadmap for anyone seeking true independence - even from zero.
About the Author

Ethan Wealthmore is a globally recognized personal finance educator and bestselling author of multiple books on financial independence. With years of experience and thousands of young professionals mentored, Ethan is a trusted voice for Millennials and Gen Z seeking to take control of their financial future.
 Critical Acclaim &amp; Media Reviews
"An essential read for anyone under 40 who wants to build a free and prosperous future."- Financial Literacy Journal"Ethan Wealthmore is the voice this generation has been waiting for - practical, honest, and inspiring."- The Independent Finance Review"This book is what Robert Kiyosaki would write if he were 25 today."- Next Gen Money Magazine
Copies SoldOver 100,000 copies sold in under 12 months - a clear testament to the impact and value of this title for the next generation of financially empowered readers.

 Reader Reviews"I didn't think it was possible to start investing with so little. This book changed my life!"- @jamiebuildswealth (Amazon Verified)"Straightforward, practical, no fluff. Finally, someone speaking our language."- @investwithmia (Goodreads)"I bought it for my daughter, and now I'm reading it too. A must-read for all ages."- Customer Review on Barnes &amp; Noble
Give your customers a title that sells itself!Financial Freedom for Millennials &amp; Gen Z is ideal for:
Independent and chain bookstores
Public and school libraries
College and university bookshops
Retail channels focused on financial education


Order now and stock a bestselling title that truly speaks to the new generation of readers.

Grow Big Money with Spare Change

Financial Freedom for Millennials & Gen Z

A Next Big Idea Club Must-Read 'Eye opening, deeply researched, and snort-out-your-nose funny. I dare you to put it down.' William Bernstein, author of The Four Pillars of Investing 'Refreshingly unequivocal advice.' Publishers Weekly In richly told stories and wild self experiments, historian and investor Joseph Moore tests history's best and worst financial advice to find what worked, what didn't, and why everyday people can still get ahead - including you. What if so-called timeless beliefs about money like 'invest for the long run', 'compound interest builds wealth' and 'property value always goes up' were shockingly new . . . and rarely true? From Benjamin Franklin to TikTok gurus, what 'everyone knows' about personal finance is constantly changing over time. In How to Get Rich the American Way, Joseph Moore shares the unexpected and counterintuitive lessons of the past so we can make the most of our own finances today. He explores financial folklore, forgotten bestsellers and self-help fads, as well as the real lives of everyday people whose fortunes rose or fell by following them. Along the way, Moore tests history's best and worst advice on his own finances, with hair-raising and hilarious results. His personal journey includes wild investments, get-rich-quick schemes and founding a cryptocurrency. By the end, to his own very great surprise, he has become a multi-millionaire. Filled with eye-opening insights you can apply yourself, How to Get Rich the American Way pushes back against sceptics who claim the American dream is out of reach. This is a thoughtful, practical, and surprisingly hopeful read that sheds new light on the prospects of getting by and getting ahead today.

Classic financial advice that worked and didn’t, throughout time (The International edition of How to Get Rich in American History)

How to Get Rich the American Way

You weren't supposed to figure this out alone.

But here you are - staring at a paycheck that's smaller than you expected, a credit card balance that somehow grew, and a retirement account you're not even sure you have.

Nobody sat you down after graduation and said: Here's how money actually works. Here's what your paycheck really means. Here's why your credit score matters. Here's how to start investing when you're making $14 an hour and everyone says you can't afford it yet.

Main Character Money is that conversation.

Follow five young adults - ages 18 to 26, earning $16,800 to $68,000 - as they navigate every financial decision that hits in your twenties. Their stories teach what textbooks never do: how money works when you're young, broke, overwhelmed, or all three.

Tyler is 18, starting from zero on $14 an hour.
Jordan is 23, buried in student loans she was told were "an investment."
Mia is 21, freelancing with no safety net and no tax strategy.
Michael is 26, $8,000 in debt and wondering what happened.
Emma is 24, a federal employee doing fine on paper - and quietly terrified she's doing it wrong.

Inside, you'll learn how to:

- Build a budget that survives contact with your actual life
- Dig out of credit card debt without pretending it didn't happen
- Decode credit scores, insurance, and taxes - the stuff that blindsides you
- Start investing with $50 and no idea what you're doing
- Navigate money with a partner who spends differently than you
- Stop social media from draining your bank account one scroll at a time

Every chapter includes "Your Move" - three action items you can do today - and "When It Goes Sideways" - real scenarios where things go wrong and exactly what to do about it. Because nobody's financial life goes according to plan.

Covers budgeting, debt, credit scores, investing (including TSP for federal employees and military), insurance, taxes, big purchases, estate basics, and the social media machine designed to make you spend.

No jargon. No judgment. No "just stop buying lattes."

Just the money talk nobody gave you - until now.

Main Character Money

What if the only thing separating you from becoming an investor is that no one ever showed you how?

In The First Generation Investor, Senior Portfolio Manager Juliana Salamone, CFP®, offers a practical, approachable guide for people who earn and save but still feel unsure about what comes next.

Maybe the market feels intimidating. Maybe you have a 401(k) or investment account but aren't entirely sure what you own-or why. Maybe someone else has always handled the finances, and you're ready to understand them for yourself.

Juliana knows what it means to begin without a roadmap. She entered the financial industry from the ground up and built a career in investment management by learning one concept at a time.

Now, she helps readers do the same.

Inside, readers will learn how to build a strong financial foundation, understand investment accounts, create a diversified portfolio, navigate workplace investing, and stay on track through changing markets and changing seasons of life.

You don't need investing to become your whole life-you just need to know enough to take ownership of your financial future.

__
Disclaimer
This book is for informational and educational purposes only and does not constitute financial, investment, tax, legal, or accounting advice.

The content reflects the author's personal experiences, professional observations, and general financial knowledge. It is not intended to provide specific recommendations or advice for any individual situation.

Readers should consult with a qualified financial advisor, tax professional, or other licensed professional before making any financial decisions.

All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results.

Market conditions can change, and strategies discussed in this book may not be suitable for all individuals.

Any references to specific securities, investment strategies, financial institutions, or products are for illustrative purposes only and should not be considered endorsements or recommendations.

The author and publisher disclaim any liability for any direct or indirect loss or damage incurred by readers as a result of applying the information contained in this book.

The First Generation Investor

Nobody Knows What They're Doing. This Book Is Here To Help You Out.
Adulthood doesn't arrive with a guide. One day you're expected to understand money, credit, taxes, job benefits, leases, workplace behavior, and decisions that actually impact your life. Most people learn these things through mistakes, stress, and expensive lessons.
If you've ever felt like you're just figuring things out as you go, you're not alone.
This book is here to change that.
So, You Want to Be a Grown-Up? is a practical, honest, and refreshingly relatable guide to the real-life skills no one teaches you but everyone expects you to know. Instead of overwhelming you with theory, it breaks down how life actually works in a way that is simple, clear, and easy to apply.
Through real stories, everyday scenarios, and step-by-step guidance, this book helps you move from confusion and second-guessing to clarity, confidence, and better decision-making.
Whether you are stepping into adulthood, starting your career, or realizing you have been "winging it" for years, this book gives you the tools to handle real life with more confidence and less stress.Inside This Book, You'll Learn How To:
¿ Take control of your money and build a budget that actually works
 ¿ Understand credit, debt, and avoid financial mistakes early
 ¿ Navigate taxes, insurance, and job benefits without confusion
 ¿ Communicate professionally and handle workplace situations with confidence
 ¿ Make better decisions without overthinking everything
 ¿ Prepare for responsibilities most people learn too late
You are not behind.
You were just never taught.

The Unofficial Guide to Adulting Without Losing Your Mind

So, You Want to Be a Grown-Up?

Your Blueprint for Financial Literacy

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