Paycheck-to-Passive™ Master Your Money Starter Bundle

Escape paycheck‑to‑paycheck life and gain control of your money.

$37.00

Master Your Money Without Burnout or Job Shaming

You work hard. You show up. You earn a decent paycheck, maybe $40K, maybe $75K, maybe more. Yet somehow, by the time the bills are paid and life happens, there's nothing left to save. The anxiety creeps in around the 20th of every month. You're not imagining it. Most people, even those earning six figures, live paycheck to paycheck.

This isn't an income problem. It's a system problem.

You don't need to quit your job, launch a side hustle, or work 80-hour weeks to fix this. You need the right foundation—a proven system that turns your existing paycheck into financial stability, then into growing wealth. That's exactly what Level 1 of the Paycheck-to-Passive MAP system delivers.

What You're Really Getting

This isn't a random collection of budgeting tips you could Google for free. The Master Your Money Bundle is your complete foundation—12 expertly curated resources that work together as an integrated system to help you:

✅ Stop living paycheck to paycheck (even if you've tried budgeting before and failed)
✅ Build a real emergency fund (3-6 months of expenses, not just "someday")
✅ Eliminate debt strategically (without extreme sacrifice or deprivation)
✅ Create spending plans that actually work (because your life isn't one-size-fits-all)
✅ Develop money habits that stick (automation, not willpower)

This is the foundation Garrett Duyck built on a $38,790 salary—the same system that allowed him to pay off $175,000 in student loans, build a 6-month emergency fund, and create space to breathe while raising four kids. Without ever working more than 40 hours a week.

Here's Everything Inside Your Bundle:

📚 FOUNDATION EBOOKS (3 Complete Books)

1. Budgeting in Everyday Life
The ultimate 50-page guide to budgeting that actually fits real life—not some impossible restriction plan. Learn why 80% of Americans live paycheck-to-paycheck and how to escape that trap with practical tracking methods, personalized budget frameworks, and the psychology of sticking to your plan.

2. Smart Money Habits
Transform your relationship with money in 51 pages. Master the wealth-building mindset, strategic budgeting, smart saving systems, wise investing fundamentals, and debt elimination—all while maintaining work-life balance and family priorities.

3. Financial Planning for Everyday People
Your comprehensive roadmap to financial stability written for employed individuals (not entrepreneurs or business owners). This is practical, judgment-free financial planning that celebrates your honest work.

📋 ACTION CHECKLISTS (3 Step-by-Step Guides)

4. Emergency Fund Building Checklist
The complete tiered approach to building $1,000, then 3 months, then 6+ months of expenses. Includes assessment worksheets, automation strategies, and maintenance protocols.

5. Monthly Budget Framework Checklist
Your plug-and-play system for creating a budget that adapts to YOUR income, YOUR expenses, and YOUR life—whether you're single, married, with kids, or navigating variable income.

6. Strategic Debt Elimination Checklist
Stop throwing money at debt randomly. This checklist walks you through debt inventory, prioritization strategies (snowball vs. avalanche), and wealth-building while paying off debt.

📖 IMPLEMENTATION GUIDES (4 Detailed Plans)

7. The Emergency Fund Builder Guide
Your complete blueprint for building financial security layers: from your first $1,000 to a fully-funded 6-month buffer. Includes psychological strategies for staying motivated and protecting your fund from "emergencies" that aren't really emergencies.

8. Monthly Budget Maintenance Guide
The secret to budgets that work long-term? Maintenance. This guide shows you exactly how to review, adjust, and optimize your budget monthly—plus how to handle irregular expenses without derailing your progress.

9. The 90-Day Debt Elimination Plan
A structured 90-day sprint that combines the mathematical efficiency of the avalanche method with practical expense reduction and income optimization. Includes weekly action steps, milestone tracking, and motivation systems.

10. The Multi-Bucket Savings System Guide
Stop keeping all your money in one account and wondering where it went. Learn the proven "bucket" strategy for separating emergency funds, short-term savings, goal-specific accounts, and opportunity funds—so every dollar has a job.

📊 CUSTOM SPREADSHEET TOOL

11. Household Budget Tool (Excel)
Your plug-and-play budgeting spreadsheet—just input your numbers and watch it calculate everything automatically. No complicated formulas to figure out. No starting from scratch. Just open, customize to your life, and start tracking.

🤖 BONUS: AI-POWERED TOOLS

12. Personal Finance Mastery Prompts (42 AI Prompts)
Level up your financial decision-making with 42 expertly crafted AI prompts across 6 categories:

Financial Assessment & Goal Setting
Budget Creation & Optimization
Expense Tracking & Management
Savings & Investment Strategies
Debt Management & Reduction
Income Enhancement & Career Planning

Use these with ChatGPT, Claude, or any AI assistant to get personalized strategies, analyze your specific situation, and make smarter money decisions faster.

Why This Bundle Works When Others Don't

Most budgeting advice shames you for having a job, tells you to "just spend less" without a system, or pushes extreme frugality that makes life miserable. This is different.

✅ Anti-Job Shaming: Your job is the foundation of your wealth plan—we celebrate that here
✅ Stability Before Risk: Master your money BEFORE chasing investments or side hustles
✅ Family-First: Build wealth without sacrificing time with your kids or burning out
✅ Real Numbers: Garrett built this system starting at $38,790/year—not a six-figure salary
✅ Automated Systems: Work smarter, not harder—let automation do the heavy lifting
✅ No Extreme Sacrifice: You can enjoy life NOW while building your future

Who This Bundle Is For

✔️ You're employed and want to stay employed (no "quit your job" pressure here)
✔️ You're tired of living paycheck-to-paycheck despite earning decent money
✔️ You've tried budgeting before but couldn't make it stick
✔️ You don't have an emergency fund (or it's less than 3 months of expenses)
✔️ You're carrying debt that feels overwhelming
✔️ You want financial freedom without extreme frugality or 80-hour work weeks
✔️ You're ready to build wealth but need the right foundation first

Who This Bundle Is NOT For

❌ People looking for get-rich-quick schemes or day-trading tips
❌ Those seeking "quit your job tomorrow" advice
❌ Anyone who wants to skip fundamentals and jump straight to advanced investing
❌ People not willing to track expenses or implement systems

The Real Question: Can You Afford NOT to Master This?

Every month you stay stuck in the paycheck-to-paycheck cycle is another month of:

Stress when unexpected expenses hit
Lost opportunity to build an emergency fund that protects your family
Wasted money on interest payments instead of wealth-building
Anxiety about your financial future

What if 90 days from now:

You had $2,000-$3,000 in your emergency fund (maybe more)
Your budget actually worked with your life instead of against it
You were paying off debt strategically, seeing real progress
You felt in control of your money—maybe for the first time ever

That's what mastering Level 1 makes possible. Not someday. Not when you earn more. Right now, with the income you already have.

Your 12-Resource Foundation Starts Today

For less than a decent dinner out, you're getting the complete system that took years to develop and refine—the same foundation Garrett used to escape the paycheck trap starting from a $38,790 salary.

Every resource is digital and delivered instantly. No waiting for shipping. No complicated login systems. Just immediate access to everything you need to master your money.

This is Level 1 of your Paycheck-to-Passive journey. Master your money first. Then accelerate your earnings (Level 2). Then perpetuate your income (Level 3).

The path from paycheck to passive income starts here—with a solid foundation you can actually build on.

🎯 Get instant access to all 12 resources now

Questions?

30‑Day Satisfaction Guarantee. Not happy? Request store credit equal to your purchase price within 30 days. Email support@cheatcodewealth.com. See full policy: Refund Policy.