Money Money Money

By Veervasanth Kumar

The money book you should have been given at 18.

Most of us were taught algebra, chemistry, and history. Very few of us were taught how a paycheck, a credit card, a 401(k), a deductible, or a life insurance policy actually works. So we learned the expensive way.

Money Money Money is the plain-English system the author wished he had received at 18, written first as a gift for his own son's 18th birthday and now shared with every reader who wants to stop guessing about money.

The book is built on five jobs every dollar must do:
MAKE IT: grow your earning power, ask for more, build a second income, and plan for the tax bill that comes with it.
KEEP IT: create margin between what you earn and spend, and stop lifestyle creep from eating every raise.
GROW IT: understand compounding, index funds, the 401(k), IRA, and Roth, and what to do with your retirement account when you change jobs.
PROTECT IT: learn health insurance's four key numbers, how term and permanent life insurance work, disability, umbrella liability, long-term care, and estate planning.
MAKE IT LAST: turn savings into a retirement paycheck, understand Social Security claiming ages, sequence risk, and annuities in plain English.

Timeless rules, more relevant in the age of AI

The principles in this book are old: spend less than you earn, protect against disaster, let time do the heavy lifting, and never buy what you cannot explain. What is new is the world they must work in. AI is changing which careers are secure, making scams more convincing, and flooding us with confident financial opinions. When everything moves faster, the people who do well are the ones with a system that doesn't.

Inside you'll find:
60 short, practical chapters you can read in any order
Money Rules, Money Stories, and Money Moves you can act on this week
Worked examples with real numbers, including side-income taxes, the true cost of cashing out a 401(k), and Social Security at 62, 67, and 70
The S.C.A.M. Test and a family safe-word system to protect against AI-powered fraud
The Money Order of Operations: what to do first, second, and third
A One-Page Money Plan, Money Dashboard, Family Money Checklist, and a 30-day action plan
A glossary of the financial terms nobody ever explained

Written by an engineer, not a salesman

Veer Vasanth Kumar spent about thirty years as a database engineer before becoming a licensed financial professional. A lifelong introvert, he approaches money the way he approached complex systems: inputs, rules, and outputs that anyone can learn to manage. This book is an earnest educational effort, not a sales pitch, and every product discussed is presented with its benefits, costs, and risks.

This book is for you if:
You are starting your first job and want to get it right from day one
You earn a good income but still feel one layoff away from trouble
You are in your 40s or 50s and worried you started too late
You want to protect your family and never make them financial detectives
You want a gift for a graduate, a young couple, or anyone starting over

An honest promise

Reading this book will not make you rich. No book can. But implementing its ideas consistently, ideally with accountability and mentorship, can help you build margin, protect your family, and create more choices in your life.

Money is not the meaning of life. Handled wisely, it gives you more freedom to decide how you spend it.

Scroll up and make your first move today.

• Format: Paperback
• Language: English
• ISBN: B0HK5J67RZ
• ISBN13: 9798175119306
• Release Date: September 2026
• Publisher: Independently Published
• Length: 126 Pages
• Weight: 0.39 lbs.
• Dimensions: 0.3" x 6.0" x 9.0"