The Poor Pay Twice: The Expensive Logic of Having No Money, and How to Stop Paying It + 45 minutes consultancy call

You have run the audit and the number is larger than you can see a way out of. Or you have named the thing you could own and do not know whether it is a business or a hobby. Or you have a first pot, and three people offering to multiply it.

This option gives you the book plus a second pair of eyes on your actual situation. Before the call you complete Appendix A, the twenty-line poverty-premium audit, and send the total. On the call, Ludovic Chan goes through it with you: which charges to stop first, how to build the shell and in what order, which debt to clear, what cover to buy, which of the fourteen things in Chapter 30 to start with, and whether the thing you want to build is worth building. Afterwards you receive a one-page written plan for the next ninety days.

WHAT YOU GET

• The 95-page The Poor Pay Twice PDF, sent by email after purchase

• A private 45-minute call with Ludovic Chan on your completed poverty-premium audit

• A written one-page plan after the call: what to stop first, how to sequence the reserve, the debts and the cover, and the one thing to build next

HOW IT WORKS

1. Buy this option. The book arrives by email the same day.

2. Complete the audit in Appendix A and reply to the delivery email with the total and two or three lines on your situation.

3. Pick a time on the booking calendar for the 45-minute call.

4. The written plan arrives within three business days of the call.

WHO IT IS FOR

People who would rather fix their position this quarter than read another book about it: workers, renters, gig workers, and anyone with a first pot and no idea what to do with it.

NOT INCLUDED

Investment advice, debt counselling or legal advice. For a venture you have named, the “Is it a business?” written assessment is a separate service described in the book.

GUARANTEE

The seven-day guarantee applies to the book. The call and plan are delivered as described; if the audit has not been sent within sixty days of purchase, the call is forfeited but the book is yours.