Wealth Without Drama
Get the kit

Find the money you're losing every month, and get it back.

The No-Drama Money Reset is a simple app that does the math for you, the exact words to say on the phone, and a 30-day plan you can actually finish.

Get the kit for $37See the Leak Finder work

Instant download. Pay once. 30-day refund, no questions asked.

A woman at her kitchen table with her phone and a stack of papers The Money Leak Finder report on a phone, showing $1,800 a family could keep over the next 12 months

This box is on every credit card statement. Almost nobody reads it.

Since 2010, card companies have had to show you how long the minimum payment takes. It's usually tucked at the bottom of page one.

On a $6,000 balance at 24%, paying the minimum takes 21 years and costs more than twice what you borrowed. Paying a fixed $300 a month takes just over two years.

The kit shows you this kind of number for every leak in your money, and the Leak Finder works it out with your own numbers.

Example worked out for this page: $6,000 at 24% APR, minimum of interest plus 1% of the balance (at least $25). Your statement shows your own numbers.

How it works

Three steps. No spreadsheets, no math, nothing to figure out alone.

Answer simple questions

On your phone or computer, one question at a time: what you owe, what your savings pays, what you pay for each month. Don't know a number? Skip it.

A Leak Finder question on a phone: Do you owe money on credit cards or loans?

Get your own report

The Leak Finder does every calculation and shows what each leak costs you, what to fix first, your debt payoff order and your next 30 days.

A Leak Finder report on a phone

Make the calls

Every fix comes with the exact words to say. Read the script once, make the call, write down what they said.

A woman on the phone in her kitchen

"I've been a customer since 2014 and I pay on time. What can you do to lower my APR so I can stay?"

What's in the kit

Everything is yours to keep. Read it on any phone, tablet or computer, or print it at the kitchen table.

The Money Leak FinderThe app that does the math: your leaks in dollars, your payoff order, your 30-day plan.App, any device
The No-Drama Money Reset guideThe 9 money leaks, explained with real math, plus the 30-day checklist and worksheets.18 pages
The Script & Letter Library29 phone scripts and 12 letters for card companies, bills, banks, collectors, medical bills and car dealers. Letters come as Word files.16 pages + 12 letters
Medical Bills Without DramaCheck, shrink and pay a medical bill: errors, hospital financial assistance, surprise bills, payment plans.10 pages
Three Households, 30 DaysThree example families go through the kit, step by step, with every dollar shown.9 pages
The Large-Print EditionThe whole guide in big, easy type.31 pages
4 Fridge CardsScam Shield, Buying a Car, Phone Scripts, Debt Rules. Print and keep.Printable
The Audio EditionThe guide read aloud, for the car or the kitchen.MP3
The Money Calculator spreadsheetFor people who like to tinker: Excel, Numbers or Google Sheets.Spreadsheet
The kit's guides, cards and app laid out together
A man reading a letter at his kitchen table

A medical bill is a first offer.

Most people pay it as is. The Medical Bills guide walks you through checking it, line by line, and asking for help you may already qualify for.

  • 240 days is the minimum time nonprofit hospitals must give you to apply for financial assistance, counted from the first bill after you leave.
  • $400 over the estimate: if you paid yourself and the bill beats your written Good Faith Estimate by that much, you can dispute it.
  • 1-800-985-3059 is the free federal help line for surprise medical bills.

Sources: IRS rules for nonprofit hospitals (section 501(r)) and the CMS No Surprises Act pages. Rules can change; the guide shows where to check.

Denise, 63, retired

One credit card she'd been chipping away at for years. Savings at the bank she'd used since 1987. An unopened hospital bill. Here's what the Leak Finder showed her, and what changed in 30 days.

Denise is an example household from the kit, not a real customer. Her numbers use the Leak Finder's own math. The rate and hospital results depend on what a company agrees to.

Paying only her minimum on $4,800 at 25.99%4 years 11 months
Paying a fixed $250 a month instead2 years 2 months
Interest saved after one call lowered her rate to 19.99%$440
Moving $22,000 from 0.01% savings to a 4% insured account$878 a year
Hospital financial assistance on a $2,900 bill (60% covered)$1,740

Everything, for $37

One payment. No subscription. Yours to keep and to share with your household.

The No-Drama Money Reset

The guide, worksheets and 30-day planPlus Three Households, 30 Days and the Money Calculator$37
The Money Leak Finder app$19included
The Script & Letter Library$19included
Medical Bills Without Drama$15included
The Large-Print Edition$15included
4 Fridge Cards$12included
The Audio Edition$24included
Bought separately$141
You pay today$37
Get the kit for $37

Secure checkout by Gumroad. Card, PayPal or Apple Pay. Each extra is also sold on its own in our store at the price shown.

Read it, make one call. If it's not worth it to you, email us within 30 days and we'll refund every dollar. No questions asked.

Questions people ask

I'm not good with computers. Will I be able to use it?

If you can open an email, you can use this. You get a link by email within a minute. The Leak Finder asks one question at a time in big type, and everything else is a document you can read or print. Stuck? Reply to the email and we'll walk you through it.

Do I have to do any math?

No. The Leak Finder does every calculation. The worksheets only ask you to copy numbers from your report.

Is this financial advice?

No. It's general education with worked examples and ready-made scripts and letters. It shows you how the math works and what to ask, so you can decide for yourself or have a better conversation with a professional.

Are my numbers private?

Yes. The Leak Finder keeps your answers on your own phone or computer. Nothing you type is sent to us or anyone else.

Is it a printed book?

No, it's a digital download. Nothing is mailed. You can print any page at home.

Can I buy it for my parents?

Yes, and many people do, especially for the Medical Bills guide and the Scam Shield card.

Does it work outside the United States?

The math works anywhere. The laws, agencies and phone numbers are for the United States.

What if it's not for me?

Email us within 30 days for a full refund. No questions asked.

An envelope and a cup of coffee on a wooden table

Not ready? Take the Scam Shield card, free.

One page for the fridge that says exactly what to do when someone calls about money. Enter your email on the next page and it's yours.

Send me the free card