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The Complete Workbook
Invested
A Practical Finance Workbook for the $38K Generation
10 chapters · worksheets included · 2026 inflation-adjusted math · PDF + ePub
PDF + Kindle ePub · Worksheets included · Instant download · 30-day money-back guarantee
Buy Invested — $22Secure checkout via Stripe · Download link sent instantly by email
For educational purposes only. Not financial advice or a substitute for professional guidance. 30-day money-back guarantee.
The Invested Method
Invested
A Practical Finance Workbook for the $38K Generation
10 Chapters + Worksheets
Ethan Sawyer · ebookdev.com · 2026
What you get
10 chapters of practical finance built for your income, your debt, and your actual life — plus printable worksheets for every major decision.
The $38K Problem
Investing when you have $200 left after rent and student loans. 2026 inflation-adjusted math. An honest answer to whether you can start investing right now.
Know Where You Stand
Net worth calculation. Cash flow audit. The one number that actually matters before any investment decision. Net Worth Calculator worksheet included.
Student Loans + Investing: The Decision Tree
7% loan vs. index fund — actual math, actual decision framework. When to pay down, when to invest, when to split. The chapter most finance books skip. Decision tree worksheet included.
Budget for Real Life
Variable income budgeting for side hustlers. The quarterly pay-yourself system. Budget Tracking Sheet included.
The Investing Basics That Actually Matter
Index funds, ETFs, expense ratios, compound interest — in plain language with 2026 fund options and actual ticker symbols, not vague concepts.
Automate Everything
Bank account structure, automatic transfers, the set-and-forget system. Updated for 2026 platforms and non-US banks.
Retirement Accounts Without the Jargon
401k/Roth IRA for US. ISA for UK. TFSA for Canada. General international guidance for everyone else. The chapter no competitor has written.
Side Hustle Money
How to invest irregular income. SE tax basics. The quarterly buffer system. Irregular Income Allocation Template included.
Inflation, Crypto & Things They Don't Tell Beginners
Inflation as an investing input. Crypto as risk management — how much if any, in plain language. What a 2026 beginner portfolio actually looks like.
The 12-Month Roadmap
Month-by-month action plan from zero to invested. Week 1 through Month 12. 12-Month Getting Started Tracker included.
Why Invested is different
Most personal finance books
- Assume a stable salary with nothing left to pay off
- Written for US readers with a 401k and no student debt
- Give advice that only works once you already have money
- Skip international readers entirely
- Use decade-old examples with stale fund options
- Treat side hustle income as an afterthought
Invested
- Built for $38K earners carrying student loans — the math works at your income
- Chapter 7 covers US, UK, Canada, and international retirement accounts
- Student loan decision tree uses your actual interest rate vs. real 2026 returns
- Side hustle budgeting and irregular income allocation throughout
- All savings targets in 2026 dollars with current fund options
- Printable worksheets for every major financial decision in the book
Not Ready to Buy?
Read Chapter 1 first — free.
Chapter 1 walks through the 8K problem with real math: whether you can actually start investing right now with student loans and 00 left after rent. No email wall to preview it — enter your email to get the PDF.
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FAQ
I'm not in the US — is this relevant to me?
Yes. Chapter 7 specifically covers ISAs (UK), TFSAs (Canada), and international tax-advantaged account equivalents. The core math throughout is country-agnostic. Most competing books ignore non-US readers entirely. This one doesn't.
Should I be investing if I still have student loans?
Chapter 3 answers this with a decision tree built on your actual loan interest rate versus current index fund returns. The answer depends on your rate — the book does the math for you in both directions.
What about crypto?
Chapter 9 covers it honestly: how to think about crypto as part of a beginner portfolio, what allocation makes sense if any, and why most crypto advice is either maximalist hype or blanket dismissal. Neither helps you make an actual decision.
I have irregular income from freelance or a side hustle. Is this for me?
Chapter 8 is written specifically for variable income. It covers the quarterly pay-yourself system, SE tax basics, and an Irregular Income Allocation Template for knowing what to do each time income arrives.
What formats do I receive?
A PDF (print-ready, US Letter with all worksheets included as printable pages) and a Kindle-compatible ePub. Both are sent to your email immediately after purchase.
Is this financial advice?
No. This is an educational workbook. The math uses real 2026 data to help you think through decisions — not to replace a licensed financial advisor. Complex situations (large portfolios, tax filing, major investments) still benefit from professional guidance.
What if it's not right for me?
Full refund within 30 days — no questions asked. Email the address in your confirmation.
Start getting invested.
One flat price. PDF + ePub + worksheets. Instant download. 30-day guarantee.
Secure checkout via Stripe. 30-day money-back guarantee, no questions asked.
This workbook is for educational purposes only. It does not constitute financial advice, investment advice, or a substitute for professional financial guidance.