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THE LIBRARY · FOUNDATIONIncome shelf

Income

Understand your paycheck, grow your main income, and build income on the side.

Three books, read in order: the foundations, then the strategies, then a deep dive. Each chapter works its numbers out with the calculators and cites its sources.

Volumes3
Chapters25
Reading time2.4 h
Calculators7
READ IN THIS ORDERFoundations → Strategies → Deep dive
01
VOL 1 · FOUNDATIONSIncome Fundamentals8 chapters · 45 min
  1. 01The Three Kinds of Income
  2. 02Reading Your Paycheck, From Gross to Net
  3. 03Why Growing Your Income Is the Biggest Lever
  4. 04Knowing Your Market Value
  5. 05Creating Value That Gets Paid
  6. 06Measuring How Secure Your Income Is
  7. 07A Backup Plan for When Income Stops
  8. 08Low-Risk Places to Keep Cash
02
VOL 2 · STRATEGIESGrowing Your Primary Income8 chapters · 46 min
  1. 01Where Your Career Stands and How It Moves
  2. 02Total Compensation: Valuing the Whole Package
  3. 03Negotiating Pay: Offers, Raises and Counteroffers
  4. 04Reviews, Promotions and a Reputation That Travels
  5. 05Skills That Raise Your Pay
  6. 06Staying or Switching: The Income Math of a Job Change
  7. 07Protecting the Income You Have
  8. 08Building Income Beyond the Paycheck
03
VOL 3 · DEEP DIVESide Income & Freelancing Mastery9 chapters · 52 min
  1. 01Why a Second Income Matters
  2. 02Choosing a Skill and a Niche That Pays
  3. 03Pricing Your Work
  4. 04Finding Clients Without an Ad Budget
  5. 05Taxes on Side Income
  6. 06A Money System for Irregular Income
  7. 07Keeping a Sustainable Pace
  8. 08Scaling Beyond Your Own Hours
  9. 09Passive Income: What It Takes
CALCULATORS FOR THIS SHELF
1099 vs W-2 comparison →Is a 1099 contract at $X better than a W-2 salary at $Y?Freelance hourly rate →What hourly rate must I charge to match a target take-home or W-2 salary?Raise after tax and years-sooner-to-FI →What is a raise worth after tax over my career, and how many years sooner does it get me to FI?Real hourly wage →What is my real hourly wage after commuting and work costs?Side hustle take-home and years-sooner-to-FI →What does my side hustle really pay per hour after tax, and how much faster does it get me to FI?Solo 401(k) contribution →How much can I put into a solo 401(k) this year?Bonus / supplemental wage tax →How much of my bonus (or RSU vest / severance) will I keep?
TERMS ON THIS SHELF
Income bufferTotal compensationSolo 401(k)SEP IRA