{"product_id":"the-grind-us-edition-book-2","title":"The Grind – US Edition (Book 2) — Coming Soon","description":"\u003cp\u003e\u003cem\u003e🇺🇸 Not yet available. The \u003ca href=\"\/collections\/canadian-edition\"\u003eCanadian Edition\u003c\/a\u003e is on sale now — \u003ca href=\"\/pages\/contact\"\u003eget in touch\u003c\/a\u003e to be told when the US Edition ships.\u003c\/em\u003e\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eYour first paycheck just landed. Now what?\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cp\u003eMost schools graduate students who can't read a pay stub, file a 1040, or tell a credit card from a debt trap. \u003cstrong\u003eThe Grind\u003c\/strong\u003e is the intermediate volume of \u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — a US personal finance workbook covering the working-world mechanics nobody actually teaches.\u003c\/p\u003e\n\n\u003cp\u003eEvery chapter has a fill-in-the-pages exercise and a real-world mission. By the last page you'll be able to read a pay stub line by line, file a return and claim your refund, tell a Roth IRA from a 401(k) and know which to fund first, and explain FICA and credit scores to anyone who asks.\u003c\/p\u003e\n\n\u003ch3\u003eWhat's inside — 14 chapters\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe First Paycheck\u003c\/strong\u003e — reading a pay stub: gross versus net, and the forms you'll meet\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Big Three Deductions\u003c\/strong\u003e — federal income tax, FICA, and state tax\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Roth Vault\u003c\/strong\u003e — the Roth IRA, and why it's a teenager's most powerful account\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Employer Match\u003c\/strong\u003e — 401(k)s, the HSA, and capturing free employer money\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFiling Your First 1040\u003c\/strong\u003e — how to file a return and claim your refund\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCredit Scores and The Plastic Card\u003c\/strong\u003e — building credit and using a card with discipline\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Emergency Buffer\u003c\/strong\u003e — liquidity, and building your first safety net\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Automation Engine\u003c\/strong\u003e — paying yourself first, on autopilot\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Stock Market Map\u003c\/strong\u003e — how stocks grow: gains, dividends, and diversification\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Basket Strategy\u003c\/strong\u003e — ETFs, index funds, and the major US market indexes\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Risk Scale\u003c\/strong\u003e — matching investment risk to your time horizon\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Education Path\u003c\/strong\u003e — 529 plans, FAFSA, grants, and student loans\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFinancial Self-Defense\u003c\/strong\u003e — spotting scams, fraud, and identity theft\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Long-Game Mindset\u003c\/strong\u003e — time in the market and delayed gratification\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eEvery chapter follows the same six-part structure\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Level Up\u003c\/strong\u003e — a story that frames the concept\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — the core lesson, with real US numbers\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Skill Quest\u003c\/strong\u003e — a hands-on, fill-in-the-pages exercise\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBalancing Your Skills\u003c\/strong\u003e — the trade-off, made visible\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuild Chat\u003c\/strong\u003e — questions to take to a parent, mentor, or older sibling\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eElite Quest\u003c\/strong\u003e — a real-world mission off the page\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eTeens starting a first job, summer gig, or part-time work\u003c\/li\u003e\n\u003cli\u003eYoung adults catching up on the money basics nobody taught them\u003c\/li\u003e\n\u003cli\u003eStudents weighing 529s, FAFSA, and student loans\u003c\/li\u003e\n\u003cli\u003eA graduation present, adulting handbook, or eighteenth birthday gift\u003c\/li\u003e\n\u003cli\u003eHigh school finance classes, homeschool curriculum, or classroom resource\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eUS Edition\u003c\/h3\u003e\n\u003cp\u003eDeductions, contribution limits, account types, and IRS rules are US, based on 2026 projections. Includes a full chapter on paying for college that has no equivalent in the other editions.\u003c\/p\u003e\n\n\u003ch3\u003eWhere it sits in the series\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eBook 1 (The Money Starter Pack)\u003c\/strong\u003e covers the fundamentals. The Grind picks up the day you start earning. \u003cstrong\u003eBook 3 (Endgame)\u003c\/strong\u003e covers real estate, business, and financial independence. All three are collected in \u003cstrong\u003eFully Charged\u003c\/strong\u003e.\u003c\/p\u003e\n\n\u003ch3\u003eFormat\u003c\/h3\u003e\n\u003cp\u003ePrinted workbook · 129 pages · 14 chapters · Intermediate level\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCash the check. Run the system.\u003c\/strong\u003e\u003c\/p\u003e","brand":"The Money Skill Tree","offers":[{"title":"Default Title","offer_id":44466978816066,"sku":null,"price":21.99,"currency_code":"CAD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0693\/1844\/3074\/files\/US_Book2_Cover_caef6681-de87-4713-bc2d-37648f0b2d20.png?v=1784831820","url":"https:\/\/moneyskilltree.com\/products\/the-grind-us-edition-book-2","provider":"The Money Skill Tree","version":"1.0","type":"link"}