The hardest chapter was the one Leo had feared the most: .

At thirty-five, Leo was drowning in a world of numbers he didn't understand. A lifetime of avoiding math had left him vulnerable. Paychecks vanished, credit card balances grew like shadows, and the simple act of grocery shopping felt like walking through a minefield of confusing percentages and deceptive discounts. He opened the book to the first section: . 🪙 Chapter 1: The Value of an Hour

Leo looked at the small, teal-covered workbook on his kitchen table: . It was just a collection of stapled pages, but to him, it was a lifeline [1].

Leo hadn't become a millionaire. He still lived in the same apartment and drove the same car. But everything had changed.

The result on the page made his stomach drop. If he continued making only the minimum payments on his $3,000 balance at 19% interest, he wouldn't just pay back the $3,000. He would pay back thousands more in interest alone, taking over a decade to clear the debt.