Get every kit · $49
Every kit for $49 $179

All kits

Every kit, and what's inside.

Each kit is a plain-English guide with a calculator or tracker, word-for-word scripts and letters. Tap any page to look inside.

  • 30-day refund, no questions
  • Instant download
  • Secure checkout by Gumroad
  • Every rule checked at the source
Best value

Every kit for $49

$179 bought one by one. Every file from every kit, plus future updates. 30-day refund.

Get every kit · $49
Every kit side by side
The No-Drama Money Reset: the guide and its pages
Leak 1: paying only the minimum
The 30-day plan
Word-for-word phone scripts

Card debt, low savings, or money that disappears

The No-Drama Money Reset

For card debt, low savings rates, fees and money that slips away every month.

  • The Money Leak Finder app: answer simple questions, see your leaks in dollars
  • A 30-day plan with worksheets and three example households
  • 29 word-for-word phone scripts and 12 letters (PDF and Word)
  • Medical Bills & Health Plans, a large-print edition, 4 fridge cards and a money calculator

Checked against CFPB, FTC, FDIC, IRS and CMS.

$37Get it for $37 or every kit for $49

Secure checkout by Gumroad. Card, PayPal, Apple Pay or Google Pay. Instant download. 30-day refund.

Credit Report and Collections Kit: the guide and its pages
The Problem Finder
Old debt: the two clocks
Letter 5: make a collector prove it

Something wrong on your credit report, or a collector calling

Credit Report & Collections Kit

For errors on your credit report, collectors, charge-offs and old debt.

  • The Problem Finder: which problem you actually have
  • 9 step-by-step paths, from wrong information to identity theft and old debt
  • 10 ready-to-fill letters (Word) and collector phone scripts
  • A dispute tracker that works out the due dates

Checked against the Fair Credit Reporting Act, Regulation F, CFPB and FTC.

$27Get it for $27 or every kit for $49

Secure checkout by Gumroad. Card, PayPal, Apple Pay or Google Pay. Instant download. 30-day refund.

Car Deal Without Drama: the guide and its pages
Your real budget
Add-ons, and how to say no
The dealer and insurer scripts

Buying a car, a car loan, or car insurance

Car Deal Without Drama

For buying a car, financing it, and paying less for the same insurance.

  • The email that gets an itemized out-the-door price from three dealers
  • Why the dealer's rate can be higher than the lender's, and what to say
  • Add-ons explained, and how to say no; the five boxes to check before you sign
  • Upside down, refinancing, car insurance shopping, and a calculator

Checked against CFPB, FTC, IRS, NHTSA and Truth in Lending.

$19Get it for $19 or every kit for $49

Secure checkout by Gumroad. Card, PayPal, Apple Pay or Google Pay. Instant download. 30-day refund.

Home Without Drama: the guide and its pages
The owner's "rent"
Three Loan Estimates
Dropping PMI, escrow, taxes

Rent or buy, or a mortgage

Home Without Drama

For deciding to rent or buy, getting the best mortgage, and dropping PMI.

  • The owner's "rent": what owning really costs each month
  • Your real budget (your preapproval is not your budget)
  • Three Loan Estimates compared, points and adjustable rates
  • Closing, wire-fraud protection, PMI removal letter (Word) and a calculator

Checked against CFPB, IRS, HUD and the Homeowners Protection Act.

$24Get it for $24 or every kit for $49

Secure checkout by Gumroad. Card, PayPal, Apple Pay or Google Pay. Instant download. 30-day refund.

Retirement and Investing Without Drama: the guide and its pages
The 401(k) match check
Your fees, in dollars
Changing jobs safely

Your 401(k), retirement, or investment fees

Retirement & Investing Without Drama

For your 401(k), old accounts from past jobs, and the fees eating your savings.

  • The 401(k) match check and the one form to change
  • Vesting, job changes and the cash-out trap
  • The fee finder: what you really pay, in dollars
  • Index funds, Roth vs regular, the 25x rule, scripts and a calculator

Checked against IRS, SIPC, FINRA, the SEC's Investor.gov and SSA.

$24Get it for $24 or every kit for $49

Secure checkout by Gumroad. Card, PayPal, Apple Pay or Google Pay. Instant download. 30-day refund.

Taxes Without Drama: the guide and its pages
How brackets really work
The new 2025–2028 deductions
You owe and can't pay

Taxes, your refund, or a letter from the IRS

Taxes Without Drama

For your refund, the credits and new deductions you might miss, and IRS letters.

  • How brackets really work, with the 2026 tables
  • Fix your withholding; credits and the new 2025–2028 deductions
  • Side-gig taxes, what to do if you can't pay, penalty relief
  • IRS letters and scams, 2 Word letters and a calculator

Checked against IRS rules and publications for 2026.

$24Get it for $24 or every kit for $49

Secure checkout by Gumroad. Card, PayPal, Apple Pay or Google Pay. Instant download. 30-day refund.

Turning 65 Without Drama: Medicare and Social Security: the guide and its pages
The late penalties, in dollars
Your 65 timeline, month by month
What to say to HR

Turning 65: Medicare, or when to claim Social Security

Turning 65 Without Drama: Medicare & Social Security

For anyone turning 65, working past 65, or helping a parent sign up for Medicare.

  • Your Medicare dates, month by month, and the late penalties in dollars
  • Working past 65: the 8-month window and the HSA trap
  • Original Medicare or Advantage, Medigap, income surcharges and help paying
  • Social Security at 62, 67 or 70, scripts for HR and Social Security, a Word letter and a calculator

Checked against CMS, Medicare.gov, SSA and IRS rules for 2026.

$24Get it for $24 or every kit for $49

Secure checkout by Gumroad. Card, PayPal, Apple Pay or Google Pay. Instant download. 30-day refund.

Sold separately

Parts of The No-Drama Money Reset

Each of these is already inside the $37 No-Drama Money Reset (and the bundle). Want just one? Here they are.

Medical Bills & Health Plans Without DramaPick a health plan, check a bill, appeal a denial$24
The Money Leak Finder appYour money leaks in dollars, no math$19
The Script & Letter Library29 phone scripts and 12 letters$19
The Money CalculatorDebt, car loan and savings spreadsheet$19
Large-Print EditionThe Money Reset guide in big type$15
Fridge Cards4 big-type money cards$12