All Three American Guides + 2 Bonus Volumes
343 pages across 5 books. Instant download.
Bought one at a time the three guides are $81. Together they are $47 — and two companion volumes come free on top, sold nowhere else at any price.
Every figure checked against a government or utility source in 2026.
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BOOK 1 — CUTTING ENERGY BILLS
134 pages, 17 chapters
Introduction: Why This Bill Hits Harder After 50
1. Where Your Money Actually Goes
2. Read Your Bill and Find Your Starting Point
3. The Rule That Changes Everything After 50
4. Twenty Things That Cost Nothing
5. Under $500 — Sealing the House and the Fastest Paybacks You Will Ever Get
6. Insulation — What's Worth It, and What Isn't
7. Windows and Doors — What the Salesman Won't Tell You
8. Heating — Replace Now, Wait, or Run It Till It Dies
9. Water Heating — The Second-Biggest Line on Your Bill
10. Appliances, Laundry and the Things Left Plugged In
11. Your Electricity Bill — Rate Plans, Retail Choice and the Supply Contract Trap
12. Cooling, and the Heat That Kills
13. What You Can Still Get — LIHEAP, Weatherization, USDA 504 and State Programs
14. Solar After the Federal Credit Ended
15. Scams, Door Knockers and Contracts That Attach to Your House
16. If You Fall Behind — What Protects You, and What Doesn't
17. Selling, Downsizing, or Staying Put
Your 90-Day Plan
Appendix A: Your Cost-Per-MMBtu Worksheet
Appendix B: The Contractor Question Sheet
Appendix C: What to Say on the Phone
Appendix D: Where to Find Everything
Appendix E: Plain-English Glossary
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BOOK 2 — CUTTING GROCERY BILLS
55 pages, 13 chapters
Introduction: Two Thousand Dollars, Same Groceries
1. Where Your Food Money Actually Goes
2. Find Your Number
3. The Rule That Beats Every Coupon
4. Twenty Things That Cost Nothing
5. The Store Was Designed Against You
6. Where to Buy What
7. Shopping the Inflation Table
8. Protein After 50
9. The Freezer Is a Money Machine
10. The Money You Throw Away
11. Eating Out Without Breaking the Bank
12. SNAP, and the Deduction Nobody Claims
13. The Box, the Match, and the Free Meal
Appendix A: Your Food Spending Worksheet
Appendix B: Your Price Book
Appendix C: Where to Check Everything
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BOOK 3 — CUTTING HEALTH COSTS
96 pages, 18 chapters
Introduction: The Bills Medicare Doesn't Pay
1. What Actually Comes Out of Your Pocket
2. Find Your Number
3. The Fork in the Road
4. Medigap, and the Deadline That Never Comes Back
5. Part D and the $2,100 Ceiling
6. The Same Medicine, for Less
7. Extra Help — the Biggest Unclaimed Benefit in Medicare
8. When the State Pays Your Premium
9. Your State's Own Drug Program
10. Teeth
11. Eyes
12. Ears
13. The Hospital Bill
14. If You Are 50 to 64
15. IRMAA, and How to Get It Reduced
16. What the Tax Code Gives Back
17. Home Care, Long-Term Care, and Staying Put
18. If You Cannot Afford It
Appendix A: Your Annual Health Cost Worksheet
Appendix B: Your Coverage Record
Appendix C: The Questions to Ask
Appendix D: Where to Check Everything
Appendix E: The 51-State Reference — your state's drug program, whether your state expanded Medicaid, and the two phone calls worth making where you live
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FREE BONUS 1 — WHAT TO SAY: THE CALLS AND LETTERS
26 pages
You find the program in one of the guides. Then you have to phone, and that is where most people stop. This is the script.
Before You Dial
1. The Calls That Reduce a Bill
2. The Calls That Claim Something
3. The Letters
4. Keeping the Record
Fifteen phone calls and eight letters, written out word for word — how to open, what they will ask you, and what to say when the first answer is no.
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FREE BONUS 2 — YOUR STATE PAGE
32 pages
How to use this
All fifty states and the District of Columbia, two to a page
Where every figure came from
For each state: what power costs, whether the utility can shut you off in winter, your climate zone so you know which repairs pay back, whether you may choose your own supplier, and the two phone numbers worth calling.
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Not sold separately. The bundle is the only way the two bonus volumes reach you.
PDF. Opens on any computer, phone or tablet. Yours to keep.