Hank Garrison Get the book — $29
Run Your Money Like a Business · the book

Somebody profits from every money decision you make. Make sure it's you.

I spent 31 years on the side of the table that profits. This book puts you on yours: a simple system and a spreadsheet to decide what to buy, what to cut, and what to say when you call to lower a bill.

Get the book — $29 Look inside first →
95-page book (PDF) + spreadsheet · $29, one payment
The book Run Your Money Like a Business on a desk
95 pages7 chapters7 money tools40 rules12 phone scripts30-day plan

Sound familiar?

“We make good money. Where does it go?”
“Every big purchase turns into a fight.”
“I don't know if we can afford it, so we just buy it.”
“I'll start next month. I said that last year too.”

You don't have a spending problem. You have a management problem.

A company doesn't run on willpower. It runs on a few numbers someone checks every week. I learned that in 1998, two weeks from not making payroll. Your household can run on the same five numbers.

✕ “Skip the latte.”
The latte isn't the problem. Housing, the car and the debt are.
✕ “Budgets are about guilt.”
Companies don't feel guilty. They allocate.
✕ “You need to earn more.”
Money doesn't listen to effort. It listens to decisions.
The other side of the table

Every time you buy something big, the seller came prepared. Now you will too.

I sold pipe and water heaters to contractors on credit. I know how a sales pitch is built — I built them.

The car dealer's finance office
Talks about the monthly payment so you don't look at the total price.
The bank
Approves you for more than you should borrow. Being approved isn't advice.
The subscription
Counts on you forgetting you're still paying.
The contractor
Suggests the upgrade once the wall is already open.
They're not evil. They're good at their job. Be better at yours.
Your side of the table · 7 tools in the spreadsheet
1Can the company afford it?
Three checks before any big purchase.
2Cost per use
What it really costs each time you use it.
3Hours of your life
The price in hours you worked for it.
4The car: new, used, lease
Five years of cost, side by side.
5Rent or buy
Which costs less for the years you'll stay.
6Debt: avalanche or snowball
Which debt to pay off first.
7Sinking fund
Save for big bills before they show up.
In the book, “the company” is your household.
Look inside before you buy

Read five real pages before you buy.

Plus the full table of contents, with page numbers.

p. 5 · A letter before we start
p. 5 · A letter before we start
p. 14 · Five numbers
p. 14 · Five numbers
p. 21 · The Millers (fictional family)
p. 21 · The Millers (fictional family)
p. 28 · The kill list
p. 28 · The kill list
p. 44 · Tool 1: Can the company afford it?
p. 44 · Tool 1: Can the company afford it?
Part 1 · Open the Books
1 · Due Diligencep. 12
2 · Restructuringp. 23
Part 2 · Run the Company
3 · The Org Chart of Moneyp. 32
4 · The Capital Allocation Committeep. 40
5 · Board Meetingsp. 53
Part 3 · The Family Business
6 · Money & Familyp. 59
Part 4 · The Turnaround
7 · The 30-Day Turnaroundp. 67
Scripts, rules, printablesp. 77
Can it pay for itself?

One lower bill can cover the price.

Chapter 2 shows you how to find the bills you can cut, with 12 word-for-word phone scripts. Move the slider to see what a 3% cut would be worth in a year.

Cut 3% with the scripts
$1,260 / yr
The book
$29
Illustration only — your result depends on your bills and your calls. Not a promise of savings.

What you'll have when you're done

01Your household's rating, from AAA to D — and the one number to fix first.
02A short list of bills you cut or lowered, and the phone scripts that did it.
03A plan for every dollar before payday, split into six simple categories.
04A 3-question test for big purchases: SMART, STUPID or SMART LATER.
05Money talks at home that take fifteen minutes, not a whole evening.
06A 30-day plan with one small task a day.
What's in the box
The book95 pages. PDF in US Letter and A4.
The Household Inc. workbookA spreadsheet that gives your household its rating and runs all seven tools.
40 Owner's RulesOne line each. Tape the best ones to the fridge.
12 phone scriptsWord for word, for the calls that lower your bills.
4 printablesDecision Memo, board agenda, five-numbers card, 30-day checklist.

This is for you if

✓ You earn decent money and can't say where it goes.✓ You're 30 or 60 and want a system, not a lecture.✓ You and your partner keep having the same money fight.✓ You like numbers when they tell you what to do next.

This is not for you if

✕ You want stock tips, crypto or a get-rich plan.✕ You won't sit down for twenty minutes a week.✕ You're in a debt crisis that needs a professional today.
Portrait of Hank Garrison
Hank Garrison is an AI character. His story is fiction; the arithmetic is real.
Who wrote it

One truck. One near miss. Thirty branches.

I started with one truck in 1987. In 1998 I lost $180,000 in one afternoon and came two weeks from not making payroll. That's when I started checking five numbers every Sunday night. In 2018 I sold the company. The next morning I bought forty suits.

Read the whole story →

The book
Everything, one price
$29
one payment · no subscription
  • The book — 95 pages, PDF (Letter + A4)
  • The Household Inc. workbook
  • 40 Owner's Rules
  • 12 phone scripts
  • 4 printables
  • The 30-day turnaround plan
Get the book — $29
No payment plans — if a $29 decision needs financing, that's exactly why you need this.
Digital download · all sales final. That's why the table of contents and five real pages are right here. Read them first.

Questions

Is this financial advice?

No. It's education about spending and decisions. No stock, crypto, tax or legal advice.

When can I get it?

The book opens soon. Leave your email and I'll send you the link the day it's live — one email, nothing else.

How long does it take?

Chapter 1 gets you your rating — it's built to take about an hour. Setting up the spreadsheet takes a weekend. After that, about twenty minutes a week.

I'm over fifty. Is it too late?

I sold at fifty-five and started the second half. The five numbers work at any age.

We're a couple. One copy or two?

One household, one copy. Chapter 6 is written for the two of you.

Can I get a refund?

No. It's a digital download, so all sales are final. If a file doesn't open or you paid twice, write to us and we'll fix it the same day.

Two ways to spend next year.

Like this year
Money comes in, money goes out, and the same argument comes back in March.
Like a business
A rating you can watch go up, a short Sunday check-in, and big decisions made at home — not at the store.
Get the book — $29
Spend like an owner.
Your side of the table.
95 pages + workbookGet the book — $29