Broke to Boss

✓ The real gap between gross and net pay — and how to budget from the number that actually matters

✓ A 90-day plan for surviving the hidden costs of starting a new job

✓ Scripts for saying no to after-work drinks without becoming “that new person”

✓ A subscription audit that finds the 80+/month quietly leaving your account

✓ A two-bucket budgeting system simple enough to actually stick with

✓ Realistic savings milestones for building a safety net from zero

✓ What credit cards and overdrafts really cost you — and two proven strategies if you’re already in debt

✓ How to handle your first tax return without the panic

7 chapters. Real scenarios. A 90-day action plan you can start today.

If you’re done feeling like your paycheck disappears before the month is even half over, this is the guide that finally explains where it’s going — and what to do about it.