Paycheck-to-Passive™ Exit Plan

From siphoning lawnmower gas to a $50,000/year passive‑income portfolio

I didn’t grow up with money.

My family lived on an extremely tight budget. New clothes weren’t a thing for me; I wore second‑hand until I was 15. When I got my driver’s license at 16, some days I’d quietly siphon a little gas from my dad’s lawnmower can just to make it to school.

I missed out on school sports, trips, and going out with friends because “we can’t afford it” was the default answer. The one year I did track and field, I was running in my only pair of shoes: a $20 Payless sneakers, while other kids wore $100 track spikes. With flat feet and no arch support, I was in pain every practice. I was a fast and promising runner. When my track coach learned what I was wearing for shoes, he remarked, "You're running in those?!" I eventually quit because the pain was too much.

College almost didn’t happen. It seemed impossibly expensive. I had to teach myself everything—how to apply for financial aid, how loans worked, how to make the math barely work. I was on my own, no help from family.

I did make it to college. I graduated at 22, started my career, and then spent the next few years grinding:

• Paying off my student loans

• Living with just a mattress and a computer desk in my bedroom

• Staying frugal and using every principle I could learn about money

By 25, I had finally escaped living paycheck‑to‑paycheck.

From there, getting control of my cash flow gave me the breathing room and stability to start building a portfolio of investments—carefully, because investing involves risk and you can’t just throw your whole paycheck at it and hope.

Over time, that system turned into a $50,000/year passive‑income portfolio by age 35, without ever working more than 40 hours a week. I became a father at age 25, and it was imperative to me to spend as much time as possible with my family.

I had to piece that system together the hard way. No one handed me a single roadmap. I learned, tested, built my own spreadsheets and tools, and experienced tough lessons.

The Paycheck‑to‑Passive™ Exit Plan is the structured version of those concepts organized into one practical, plug‑and‑play system you can start using today. If I had this plan when I was 18, I would have escaped poverty in half the time.

What the Paycheck‑to‑Passive™ Exit Plan actually is

This isn’t another “just stop buying lattes” lecture or a budgeting app you’ll abandon in a month.

It’s a step‑by‑step exit plan out of paycheck‑to‑paycheck life:

• Get control of your cash flow

• Build real breathing room with a fully‑funded emergency buffer

• Put a simple, sustainable budget on autopilot

• Create the space you need to start building an investment portfolio that works for you while you work your 9–5

You get a full stack of education, checklists, templates, and guided implementation that all work together—plus the kind of fast, low‑maintenance spreadsheet I still use today to track my money without spending hours every week. I'm not just giving you a bunch of PDFs and leaving you to the wind, either. The plan includes an email course I wrote that walks you through each resource and gets you up to speed as quickly as possible. It's like having me over your shoulder, explaining the system over the course of a week.

💎 If purchased separately, these resources would cost over $197.
Today you get the entire Exit Plan for $49 as one integrated system.

Who this is for (and who it’s not for)

This is for you if:

• You’re tired of living paycheck‑to‑paycheck or feeling one bill away from panic

• You’ve tried budgeting before and “failed” or fell off after a few weeks

• You want a realistic plan that fits your life, not extreme frugality and guilt (I've been there, done that)

• You’re an employee or self‑employed person who wants room to start investing

• You like straightforward, practical guidance you can follow at your own pace

• You're ready to learn, and you don't have a lot of time to do so

This is not for you if:

• You’re looking for day‑trading tricks, meme stocks, or lottery‑ticket promises

• You expect overnight wealth with zero behavior change

• You refuse to look at your spending or be honest about your priorities

• You already have a stable, stress‑free money system that keeps you far from paycheck‑to‑paycheck living

If you’re willing to follow a simple plan and give it time, this is the exit ramp I wish someone had handed me in my early 20s.

What you get inside the Paycheck‑to‑Passive™ Exit Plan

1. Core education

These guides give you the big picture of how your money should flow, delivered in simple jargon.

• Financial Planning for Everyday People (28 pages): Your foundation. Mindset, priorities, and a simple framework for making money decisions as a normal person with real‑world constraints.

• Budgeting in Everyday Life (51 pages): Practical budgeting strategies that actually fit real life—irregular income, surprise expenses, kids, rent, all of it.

• Take Control of Your Finances – 5‑Part Email Mini‑Course: A quick‑start sequence that walks you through the first key moves so you’re not just reading, you’re doing.

2. Action checklists

No guesswork. Just follow the steps.

• Monthly Budget Framework (19‑step checklist): Build your first realistic budget without forgetting categories or “oops, I didn’t think of that” expenses.

• Emergency Fund Building Plan: Clear, doable steps to go from $0 buffer to a fully funded emergency fund—without starving your day‑to‑day life.

3. Implementation guide

These help you stay on track month after month.

• Monthly Budget Maintenance Guide (17 pages): How to review, adjust, and fix your budget quickly so it keeps working instead of falling apart after 3 weeks.

• The Emergency Fund Builder (16 pages): Strategies to accelerate your savings and protect yourself from life’s “oh no” moments.

• The Multi‑Bucket Savings System (16 pages): A simple way to save for multiple goals at the same time (vacation, car, holidays, etc.) without constant mental math.

4. Guided email + audio lessons

Prefer to listen or learn in small chunks? You also get a 5‑part mini‑course with podcast‑style audio:

• How to create a budget that actually works for your life

• The secret to staying on budget month after month

• Why an emergency fund is the first step toward financial freedom

• Why a fully funded emergency fund is the best form of self‑care

• What most people don’t realize about sustainable budgeting

Pop them on during your commute, walk, or chores and keep your head in the game.

5. Professional templates & tools

This is where the Exit Plan turns into a living system:

• Google Sheets Budget & Tracking Template: My style of budgeting: fast, simple, and automated where it matters. Plug in your numbers and the sheet does the heavy lifting. I built this spreadsheet when I was 22 and enhanced it through 13 years of practical budgeting and trial-and-error. It does not track every penny in minute detail! Instead, it gets you the best picture of your finances in the least amount of time.

• Notion Financial Workspace: An optional all‑in‑one dashboard for goals, budgets, and money planning if you like having everything in one place. It is customizable so you can make it as complex or simple as you like.

6. BONUS: Personal Finance Mastery Prompts (42 prompts)

Thought‑provoking prompts you can use yourself or with AI to:

• Clarify your priorities

• Design your ideal money system

• Spot leaks and blind spots faster
  
  A.i. tools have become an incredible asset. I highly recommend that everyone learns more about how to use these tools. They can be incredibly useful in analyzing your budget and financial situation.

Why this works when other systems haven’t

Most money advice assumes:

• Perfectly stable income

• Perfect discipline

• Infinite time to track every penny

Real life doesn’t look like that. We are busy: we have jobs, families, hobbies, lives.

The Paycheck‑to‑Passive™ Exit Plan is built for people who:

• Have irregular expenses and imperfect habits

• Want a system that survives bad weeks and busy seasons

• Need something simple enough to stick with, not perfect on paper

Everything in the bundle is designed to:

1. Get you out of constant money stress

2. Give you breathing room and a real safety net

3. Free up cash and confidence so you can start building an investment portfolio—without gambling your rent money

This is the bridge between “I’m barely staying afloat” and “I’m ready to invest for the long term.” My passion is in passive income investing to attain freedom. But I strongly feel that you must first get control of your money before you can be successful with investing.

How it works (what happens after you buy)

📦 Instant digital access – start today

Right after checkout, you’ll receive:

• A Welcome & User Guide PDF explaining exactly how to use the Exit Plan

• Download links for all ebooks, guides, and checklists

• Direct links to your Google Sheets budget template and Notion workspace

• A sign‑up link for your 5‑part email mini‑course with audio lessons

You can access everything from any device, anywhere, at your own pace.

Suggested path:

1. Read the quick‑start overview

2. Set up the budget spreadsheet (15–30 minutes)

3. Start the 5‑day email course and follow the daily action steps

4. Build your emergency fund plan

5. Use the guides each month to maintain and adjust your system

Within a few days, you’ll know exactly where your money is going and what needs to change. Within a few weeks, you’ll feel the first real breathing room.

Important purchase information

This is a digital product with instant access.

• All sales are final.

• Because you receive all materials immediately, we do not offer refunds.

• If you are not satisfied, contact us, and we will offer you in-store credit. Please email us at support@cheatcodewealth.com.

• Please review the contents on this page carefully before purchasing.

By purchasing, you acknowledge that you’re receiving immediate access to all digital materials and understand that no refunds will be provided.

Ready to start your Paycheck‑to‑Passive™ journey?

You don’t have to stay stuck in paycheck‑to‑paycheck mode.

The Paycheck‑to‑Passive™ Exit Plan gives you the kind of system I used to go from siphoning gas out of a lawnmower can and living with a mattress on the floor (yes, that was me) to paying off my loans, stabilizing my finances, and eventually building a $50,000/year passive‑income portfolio that lets me live the life I want. You're not seeking money, you're seeking peace. Take it from me, peace of mind is not overrated.

If you’re ready to stop leaving this to chance and finally put a real money system in place, this is your next step.

Get instant access to the Paycheck‑to‑Passive™ Exit Plan for $49

Questions?

Contact us at support@cheatcodewealth.com

Refund & Returns Policy

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