Rules for How to Not Die Broke: The Practical Guide to Building Lasting Wealth, Beating Inflation, and Making Your Money Last as Long as You Do

80% of Americans say the country faces a retirement crisis and the gap between what people have saved and what they need is now about $4 trillion. Pensions are gone for most, Social Security alone replaces only about 40% of income, and median net worth of $192,700 plus household debt of $18.8 trillion and credit cards at $1.25 trillion leave many feeling fragile even with decent income. Fear of running out is now larger than fear of death in surveys, yet many also underspend from anxiety and skip the trips and repairs they saved for.

This is not hype about hot stocks or a promise to get rich fast. It is a plain language system that covers real spending, kills expensive debt, gives money time to grow at low cost, and protects you from inflation and health shocks. Small differences early add hundreds of thousands of dollars later, and a 1% lower fee can save $300,000 over 30 years on a $200,000 portfolio.

Inside, you will discover: • How to find your true monthly burn and freedom number with 25 times your annual gap • Why 3% inflation doubles prices in under 19 years and how to price future costs at $7,400 and $9,900 • Emergency tiers: $1,000 fast, 1 month essentials, $20,000 resilience, and 6 to 12 months for variable income • Avalanche versus snowball for debt and why paying a $12,000 balance at 21% with $300 minimum costs $7,500 in interest • How $500 monthly for 30 years at about 7% can grow past $500,000 • 2026 limits: $24,500 for 401k, $8,000 catch up, and $11,250 super catch up for ages 60 to 63 • Social Security math where $2,000 at 67 becomes $1,400 at 62 or $2,480 at 70, plus a 2 year cash bucket to avoid sequence risk

You will build a 30 day plan of 4 weekly sprints, automate savings the day after payday, and keep a 1 page plan visible with 3 numbers that matter. Spend with confidence inside guardrails, revisit numbers after any job, health, or move change within 30 days, and let automation carry the load when willpower is low.

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E-bog: 9. september 2026