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Money Math for Your 20s, by Marcus Vale. The book behind every calculator on this site.
Money Math for Your 20s
by Marcus Vale
This is the book behind the calculators on this site. Twelve short chapters, each one walking through a real money question with plain numbers instead of guilt or jargon: where a typical paycheck actually goes, how small leaks add up, the right order to fix your money, snowball versus avalanche, and what starting early is actually worth. Every chapter includes a fill-in box so you can run your own numbers, not just read someone else's.
Educational content only, not financial advice. See the disclaimer.
PDF edition: $4.99, instant download
What's inside
- The Latte Isn't the Problem
- The $27 Leak
- Where Did Your Raise Go?
- Why Budget Apps Fail You
- Fix Your Money in 3 Steps
- The Emergency Fund Math
- Snowball vs. Avalanche
- Start at 25 vs. Start at 35
- Index Funds in Plain English
- Your Never-Work-Again Number
- Why Your Calculator Is Lying
- What Rich Actually Feels Like
Frequently asked questions
Is this financial advice?
No. Like every calculator on this site, the book is educational content, not personalized financial, tax or legal advice. See the disclaimer for more.
Is there a PDF edition?
Yes. The PDF edition is $4.99 through PayPal, right on this page. After payment you get a download link that works for 72 hours and up to 5 downloads. The paperback and Kindle editions are also available on Amazon using the buttons above.
What if the PDF file does not work, or my download link expires?
Use the Contact page and we will help, including a new download link if needed. See the refund line in the Terms of Use.
Do I need to read this site's calculators to use the book, or the other way around?
Neither requires the other. The calculators on this site are free and work on their own. The book goes deeper into the reasoning and stories behind the numbers, with worksheets to fill in by hand.
Educational content, not financial advice.