D1 · Version 1.1
Debt Payoff Simulator
Compare avalanche and snowball while checking current statement obligations separately from future payment assumptions.
Open downloads and guidance →Groundwell Press · Practical nonfiction
Find the book for the project in front of you.
Focused books for shaping a personal story, planning the days between paychecks, and making consequential money choices visible.
Published · Writing & memoir
Write Your First Memoir
Choose a memoir story, build the manuscript, and revise the whole with purpose.
Explore the book →Published now
Two books. Two distinct kinds of work.
Begin with personal story or with the money and timing between paydays. Each book stands on its own.
Start with your situation
Choose one question worth moving today.
Begin with the work in front of you. The full directory connects every writing and money question to the right book, tools, or development page.
Match your situation to a next step →01
Where does my memoir begin?
Choose a workable boundary, then build scenes and revision around the story.
Explore the book →02Why does the month balance but payday still feel tight?
Put dates beside dollars and plan what each deposit must cover.
Explore the book →03Which debt plan fits the money I can actually commit?
Compare payoff paths and offers, then prepare a creditor conversation.
See the book and available tools →Reader resources
See the method before entering your own information.
Start with a worked example, protect a clean copy, then verify the assumptions that matter. No account or email gate.
Browse all resource states
R1 · Version 1.1
Retirement Catch-Up Scenario Planner
Compare future and current purchasing power, contributions and hypothetical growth; translate an optional future-dollar marker by horizon.
Open downloads and guidance →
D3 · Version 1.1
Creditor Conversation & Agreement Kit
Prepare the numbers for a creditor call, use three fictional conversations, and record terms, open questions and the next action in an editable or printable working copy.
Open downloads and guidance →In development
Five focused money projects, five different decisions.
Debt and retirement readers can already use companion tools. Investing, shared money, and first-rental tools are still being prepared.
01
A Payment Plan You Can KeepBy Evan Calder and Daniel H. Mercer
Compare payoff paths and offers, then prepare and record a creditor conversation.
3 resources available02Retirement From HereBy Evan Calder and Daniel H. Mercer
Compare later-start scenarios, map contribution timing, and reset after change.
3 resources available03Investing You Can ExplainBy Evan Calder and Daniel H. Mercer
Write the purpose, horizon, risk limits, costs, and contribution rule before choosing products.
3 resources available04Different Pay, Shared PlansBy Evan Calder and Daniel H. Mercer
Make shared expenses, contributions, settlements, and review points explicit.
3 resources available05Before You Buy the RentalBy Evan Calder and Daniel H. Mercer
Test cash flow, repairs, reserves, and missing evidence before deciding.
3 resources availableA practical difference
Put the right view beside the decision.
A monthly total and a payday sequence can both be accurate while answering different questions.
Where should the month’s money go?
Allocate income across obligations, everyday spending, future expenses, and a first buffer.
What must today’s money cover next?
Put dates beside amounts so a balanced month cannot hide a gap before the next deposit.
Writing & memoir
Choosing a memoir starting point
Lena tests three possible openings and chooses the scene where place, relationship, and pressure meet.
Follow the example →Personal financeTurning a budget into a payday plan
A fictional $1,150 payday plan reveals a $100 timing gap before the next deposit—and a workable adjustment.
Follow the example →Personal financeUsing planning spreadsheets with judgment
A $250-versus-$300 contribution comparison changes one input while holding every other assumption steady.
Follow the example →