All 5 92Money tools: understand your paycheck, see your real hourly wage, build the habit, earn more at work and on the side. $29 instead of $54 if you bought them one by one.
One-time payment · Instant PDF download · 30-day refund
The same files sold separately on this site, at their regular prices. Nothing extra to buy later.
| First Paycheck & Tax Playbook 12-page PDF: pay stub, W-4, tax brackets, 401(k) match, benefits, your first tax return (2026 IRS numbers). details | $12 |
| Clock Out Kit 4 spreadsheets: Paycheck Planner (true hourly wage), Freedom Tracker, Debt Payoff, Sinking Funds. details | $9 |
| 30-Day Clock Out Challenge Printable 30-day calendar: one 10-minute money mission a day, tracker and Sunday reviews. details | $5 |
| Raise & Negotiation Scripts 7 word-for-word scripts + 2 worksheets to ask for a raise and negotiate a job offer. details | $9 |
| Side Hustle Starter Pack 50 ideas, a 7-day plan, proposal templates and the Pricing Calculator spreadsheet. details | $19 |
| If bought separately | $54 |
| The 9toMoney Bundle | $29 |
1. Pay once ($29).
2. Download one .zip with all files and a START-HERE guide.
3. Spreadsheets work in Excel and Google Sheets; PDFs print or open on your phone.
5 tools.zip download30-day refund
Instant download. If it's not useful, email us within 30 days for a full refund.
Yes: email ninetomoney@gmail.com with your receipt and we'll refund what you paid for that tool after you get the bundle.
No. It's education, simple math and example language. No earnings or returns are promised. For your situation, consider a licensed professional.
No. The spreadsheets open in Excel or free Google Sheets; the guides are PDFs. You'll need to unzip the download (double-click on most computers and phones).
Email ninetomoney@gmail.com within 30 days of purchase and we'll refund you. No questions asked.
Part of the Clock Out Map: free calculator, free worksheet, daily videos and simple tools.