Stop Living Paycheck to Paycheck on a Six-Figure Income

You didn't spend six years in pharmacy school to graduate and be financially stressed for the next 30 years.

Yet here you are:

• ❌ Making $120K but have $400 in your checking account before payday
• ❌ Staring at $200K+ in student loans with no clear attack plan
• ❌ Driving a car you can't afford, living in a house that's too expensive
• ❌ Terrified of investing because "what if I do it wrong?"
• ❌ Watching your six-figure salary disappear into lifestyle inflation

This isn't a budgeting problem. It's a system problem.

What if you had a complete financial system designed BY a pharmacist, FOR pharmacists?

Introducing: The Modern Pharmacist's Playbook - Premium Edition

The most comprehensive financial resource for pharmacists dealing with student debt, lifestyle inflation, and The Great Squeeze.

This isn't another generic finance book. This is a complete financial operating system with everything you need to take control of your money.

HERE'S WHAT YOU GET (Premium Edition)

📖 THE CORE BOOK (18,850 words - 5 chapters)

Chapter 1: The Six-Figure Mindset Shift

• Why high income ≠ financial security
• The lifestyle inflation trap that chains you to jobs you hate
• How to negotiate from a position of power (not desperation)

Chapter 2: Taming The Student Loan Beast

• PSLF optimization (if you're in non-profit/government)
• The Debt Snowball method that builds hope, not just math
• When refinancing makes sense (and when it's financial suicide)

Chapter 3: Building Your Cash Flow System

• The 3-Bucket System that automates your money
• Why traditional budgets fail pharmacists
• How to handle variable income (PRN, overtime, bonuses)

Chapter 4: Investing 101

• The exact investing hierarchy (employer match → IRA → taxable)
• Target-date funds vs. 3-fund portfolio (which is right for you?)
• Roth vs. Traditional (finally explained for pharmacist incomes)

Chapter 5: The Big Three

• The 20/4/10 car rule (would've saved me $80,000)
• The 28/36 housing rule (avoid being house-poor)
• Own-occupation disability insurance (protect your income)

🧮 6 INTERACTIVE CALCULATORS (Google Sheets - Copy & Use)

Financial Planning Calculators:

1. 3-Bucket Budget Calculator - Automate your cash flow system
2. Emergency Fund Goal Tracker - Build your safety net

Debt Management Calculators:

3. Student Loan Refinance Analyzer - Should you refinance or go PSLF?

4. Debt Snowball Tracker - Watch your progress as you crush debt

Big Purchase Calculators:

5. 20/4/10 Car Budget Calculator - How much car can you actually afford?

6. 28/36 Housing Budget Calculator - Avoid being house-poor

📚 10 BONUS GUIDES (PDF)

Debt & Loan Guides:

1. Student Loan Decision Tree - Visual guide to PSLF vs. refinancing decisions
2. Complete PSLF Tracking Worksheet - Never miss a qualifying payment
3. First Paycheck Allocation Guide - What to do with your first pharmacist paycheck

Budgeting & Cash Flow Guides:

4. Three Bucket Budget Setup - Step-by-step implementation guide
5. Emergency Fund Quick Start - Build 3-6 months of expenses fast
6. Monthly Money Review Checklist - 15-minute monthly money check-in

Investing & Wealth Building Guides:

7. Traditional vs Roth IRA Comparison - Which is right for your income?
8. Investment Allocation by Age - How to invest in your 20s, 30s, 40s+
9. Pharmacist Net Worth Milestones - Where should you be financially?

Big Purchase Guide:

10. Big Purchase Decision Flowchart - Should you buy that car/house/thing?

📊 2 INTERACTIVE HTML GUIDES (Clickable Flowcharts)

These aren't static PDFs - these are interactive HTML files you can click through:

1. Student Loan Decision Tree Interactive

• Click through your specific situation
  • Get personalized recommendations
  • PSLF vs. refinancing made simple

2. Big Purchase Decision Flowchart Interactive

• Should I buy this car?
  • Can I afford this house?
  • Is this purchase worth it?
  • Click your answers, get instant guidance

WHAT MAKES THIS "PREMIUM EDITION"?

Most financial books give you theory and send you on your way.

The Premium Edition gives you the complete implementation system:

✅ The Book - The "why" and "how" behind each strategy

✅ The Calculators - Plug in your numbers, get your personalized plan

✅ The Guides - Step-by-step checklists so you don't miss anything

✅ The Interactive Tools - Click-through decision trees for complex choices

You don't just read about the 3-Bucket System. You get the calculator to set it up.

You don't just learn about PSLF. You get the tracking worksheet and interactive decision tree.

You don't just understand the 20/4/10 rule. You get the calculator to know exactly how much car you can afford.

WHO THIS IS FOR

✅ New Grads drowning in $200K+ debt who need an attack plan

✅ Mid-Career Jugglers with kids, mortgages, and zero time for complicated schemes

✅ High Earners who make great money but have nothing to show for it

✅ Anyone tired of living paycheck to paycheck despite a six-figure income

WHY TRUST ME?

I'm a pharmacist. Just like you.

I graduated with debt, made expensive mistakes (hello, 2008 Acura TL Type S), and learned the hard way how to build wealth on a pharmacist salary.

Today, I'm a Senior Director (Pharm.D., MBA) managing 100+ employees across two acute care hospitals and two cancer centers. I've signed PSLF paperwork for dozens of pharmacists. I've watched colleagues destroy their finances with bad car and house decisions.

This playbook is what I wish someone had handed me on graduation day.

WHAT READERS ARE SAYING

"I found $800/month using the 3-bucket system in Week 1."

— Hospital Pharmacist, 5 years post-grad

"The 20/4/10 car rule stopped me from signing a $55K Tesla loan. Saved me literally $40,000."

— New Resident, 4 months post-NAPLEX

"I've read Dave Ramsey, Suze Orman, all of them. This is the first book that understood pharmacy life."

— Retail Pharmacist, 15 years in

THE VALUE BREAKDOWN

Let's do the math on what you're getting:

Core Book (18,850 words, 5 chapters): $15-20 value

6 Interactive Calculators: $30-50 value (if sold separately)

10 Bonus Guides: $50-100 value (comparable to mini-courses)

2 Interactive HTML Guides: $20-30 value (custom decision tools)

Total Perceived Value: $115-200

Your Price Today: $24.99

That's 4.6x to 8x ROI on the materials alone - before you even implement ONE strategy and save money.

THE GUARANTEE

If you don't save at least $500 in the first 6 months, I'll refund every penny. No questions asked.

Here's why I can make this guarantee:

• If the 20/4/10 car rule saves you from one bad car decision → $20,000-80,000 saved
• If the 3-bucket system finds $500/month in your budget → $6,000/year saved
• If the PSLF guide helps you avoid one mistake that resets your clock → $200,000+ in loans forgiven

The Premium Edition is $24.99. One decision using one chapter pays for itself 20x-800x over.

You have nothing to lose except the financial mistakes you've been making.

WHAT'S INCLUDED (Complete Checklist)

When you purchase, you get immediate download access to:

📥 Digital Downloads:

• Full PDF of the book (18,850 words, designed for reading on any device)
• Kindle Format for those of your who like your Kindles
• 6 Google Sheets calculators (click "File → Make a Copy" to use)
• 10 Bonus Guides (PDF/HTML format)
• 2 Interactive HTML Guides (download and open in any browser)

🔄 Lifetime Access:

• All future updates to the book (v2.0, v3.0, etc.)
• New bonus guides as they're created
• Updated calculators and tools

📧 Bonus Access:

• Email updates when Book 2 launches (The Pharmacist's Career Playbook)
• Early access pricing for future books in the series

YOUR NEXT 30 DAYS

This Week:

• Set up the 3-bucket system (Chapter 3 + Calculator)
• Open high-yield savings account (Ally Bank recommended)
• Capture employer 401k match (Chapter 4 + Investing Guide)

This Month:

• Complete student loan attack plan (Chapter 2 + Decision Tree + PSLF Worksheet)
• Open IRA at Fidelity (Chapter 4 + Traditional vs Roth Guide)
• Run 20/4/10 car calculation (Chapter 5 + Calculator)

This Year:

• Fully funded emergency fund (Chapter 3 + Emergency Fund Guide)
• Debt snowball destroying student loans (Chapter 2 + Debt Snowball Tracker)
• Automated investing on autopilot (Chapter 4 + Allocation by Age Guide)

The tools are in your hands. The plan is clear. The system is ready.

GET INSTANT ACCESS

📥 What You Get Immediately After Purchase:

• Full PDF download (18,850-word book)
• 6 interactive calculator templates (Google Sheets)
• 10 bonus guides (PDF/HTML)
• 2 interactive HTML guides (downloadable)
• Action steps for every chapter
• Lifetime access to all updates

💰 Price: $24.99 (Premium Edition)

🎁 100% Money-Back Guarantee (If it doesn't save you $500+ in 6 months)

You've already done the hard work to earn the white coat.

Now go build the wealth that should come with it.

FREQUENTLY ASKED QUESTIONS

Q: Is this just for new grads?

A: No. This works for any pharmacist at any career stage. New grads get debt attack strategies. Mid-career folks get cash flow automation. High earners get tax-optimized investing. Everyone gets the complete system.

Q: I don't have time to read another book.

A: Each chapter is 2,000-5,000 words and ends with 3 action steps. You can read one chapter per week and implement as you go. You'll finish in a month. Plus you get calculators and guides that do the heavy lifting for you.

Q: What makes this different from Dave Ramsey or other finance books?

A: Dave Ramsey doesn't cover PSLF optimization. He doesn't understand pharmacy income variability. He doesn't know the 20/4/10 rule matters when you're making $120K with $200K in debt. This is 100% pharmacist-specific. That's the difference.

Q: What if I'm already good with money?

A: Even if you're doing well, the Big Three chapter alone (cars, houses, insurance) will save you tens of thousands. The bonus guides consolidate all the best tools in one place. And the interactive decision trees help you validate your choices.

Q: Do I need to be good at math?

A: Nope. I built calculators for everything. You just plug in your numbers. The Google Sheets do the math. The interactive guides walk you through decisions step-by-step.

Q: What format is this?

A: PDF or Kindle EPUB for the book (read on phone, tablet, laptop, or print it). Google Sheets for calculators (make a copy and customize). PDF for bonus guides. HTML files for interactive guides (download and open in any browser). You get lifetime access to everything.

Q: Can I share this with my pharmacist friends?

A: Please don't. If they'd benefit, send them this link to buy their own copy. I'm a working pharmacist, not a hedge fund manager. Every sale supports creating more resources for our profession (like Book 2: The Pharmacist's Career Playbook, coming 2026).

Q: What if I don't like it?

A: Email me within 6 months. I'll refund you. No questions, no hassle. But here's the thing: if you implement even ONE strategy (3-bucket system, 20/4/10 rule, PSLF tracking), you'll save way more than $24.99. The risk is on me, not you.

Q: Do you offer payment plans?

A: Not currently. It's $24.99 one-time. But think about it this way: that's less than 3 Starbucks lattes. And this could save you $500-80,000 depending on which strategy you implement first.

Q: When will I get access?

A: Immediately after purchase. Gumroad sends you a download link within 2 minutes. Download everything to your device and you're ready to go.

Q: Is this a physical book or digital?

A: Digital only (PDF). You can print it if you want a physical copy, but most pharmacists read on iPad/Kindle/phone. The calculators and interactive guides are digital tools (Google Sheets and HTML files). Amazon will have a print version but it will not be the Premium Edition and will be $29.99.

Q: What's the difference between this and the "Standard Edition"?

A: Great question. There are two editions:

Standard Edition (Amazon Kindle & Print):

• Core book only (5 chapters, 18,850 words)
• Links to online calculators (but no downloadable files)
• No Resources & Affiliate Guide
• No bonus guides or interactive tools
• Kindle: $9.99 | Print: $29.99

Premium Edition (Gumroad - This Version):

• Core book (same 5 chapters)
• ✅ 6 downloadable calculators (Google Sheets)
• ✅ Complete Resources & Affiliate Guide (10+ recommended tools)
• ✅ 10 bonus guides (PDF/HTML)
• ✅ 2 interactive HTML flowcharts
• ✅ Lifetime updates (free forever)
• Price: $24.99

Why Premium is better value:

Premium is $24.99 vs. Amazon Print at $29.99, but you get:

- Digital format (read anywhere, never lose it)

- All the calculators as downloadable files

- Complete resource guide with affiliate recommendations

- 10 bonus guides + 2 interactive tools

- Lifetime updates when tax laws or strategies change

Think of it this way:

- Amazon = The book to read

- Premium = The complete financial operating system to implement

Most readers who start with Amazon Kindle upgrade to Premium when they realize they need the calculators and bonus guides to actually implement the strategies.

OUR 6-MONTH MONEY-BACK GUARANTEE (Fine Print)

Your satisfaction is guaranteed. If after implementing the strategies in this book you haven't identified and captured at least $500 in savings within 6 calendar months of purchase, contact us for a full refund—no questions asked, no hassle, no judgment.

To qualify for a refund:

• You must have purchased directly through Gumroad
• Your refund request must be submitted within 6 months of your original purchase date
• Your request should briefly describe which strategies you implemented (this helps us improve the book—it's not required for the refund, just helpful context)

We process refunds within 5-7 business days.

But here's the reality: If you implement the 3-bucket system, you'll find $500+ in the first month. If you use the 20/4/10 calculator before buying a car, you'll save $20,000-80,000. If you follow the PSLF tracking worksheet, you could save $200,000 in loan forgiveness.

The only way you don't save $500 is if you don't implement anything. And if that's the case, I'll happily refund you.

Ready to stop living paycheck to paycheck?

Click "I want this!" to get instant access.

Questions? Email: ROBERT@modernpharmacistplaybook.com

Your career, compounded.