Inconvenient Math · Book 01 · e-book
The Catch in Your Wallet
Who Profits From Your Paycheck, and the Simple Math to Keep More of It
Your bank, your card issuer and your 401(k) provider have all run the numbers on you. This book runs them back.
Somebody makes money every time you swipe, carry a balance, ignore a match, or let a subscription renew. In The Catch in Your Wallet, the team behind the Inconvenient Math channel follows that money, does the arithmetic out loud, and turns each finding into a tool you can use the same afternoon.
- Why the minimum payment is designed to last nearly two decades, and the one line on your statement that proves it
- Who really pays for your cashback, and how to make sure it isn't you
- The order every next dollar should go: match, debt, cushion, Roth, index fund
- Phone scripts, checklists and worksheets for every chapter
No affiliate links. No hot tips. Just the math, the source, and the date. About 150 pages · PDF and Kindle · facts checked as of November 2026.
Coming soon
Subscribe on YouTube to hear when it is out.
Start with the episode: Credit Card Rewards Are Paid For By Poor People (mostly).
Inside
- Someone Is Making Money on Your Money
- The Leak Audit: Your Real Monthly Cash Flow
- The Minimum Payment Machine
- Who Pays for Your Cashback
- Buy Now, Pay Later, Pay Twice
- The Debt Exit: Avalanche, Snowball, and the Price of Motivation
- Credit Scores Without the Myths
- The Emergency Fund That Actually Earns
- The 20-Minute Phone Call: Bills and Subscriptions
- Automate the Boring Parts
- The Free Money at Work: 401(k) Match
- Roth, IRA, and the Order of Operations
- Index Funds: The Boring Way Out
- The Catch Is the System
Updates and corrections
Rates, limits and laws change. When a number in the book changes in a way that matters, the correction goes here, with the date.
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