The Money Stuff Nobody Taught You: 60 Lessons That Make Saving, Investing, Taxes, Retirement, Insurance, and Everyday Money Finally Make Sense - Softcover

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Finally understand how money actually works.

Most adults are expected to make major financial decisions without ever being taught the fundamentals.

You’re told to save, invest, build credit, understand taxes, choose retirement accounts, buy insurance, and plan for the future—but rarely does anyone explain how all those pieces fit together or which mistakes can become expensive later.

The Money Stuff Nobody Taught You changes that.

In 60 practical, visual lessons, lawyer, financial coach, and educator Robert D. Barocas explains how the decisions you make about your paycheck, debt, investments, taxes, retirement, insurance, and long-term wealth fit together. The lessons start with the money basics almost everyone encounters and build toward more advanced decisions as your income and financial life become more complicated.

Inside, you’ll learn:

• How a seemingly small 1% investment fee can leave two identical portfolios more than $150,000 apart over time
• Why making only the minimum payment on a credit card can keep you in debt for years
• Why a raise does not mean all of your income suddenly gets taxed at a higher rate
• How an HSA can offer three powerful tax advantages—and why many people underuse it
• When Traditional, Roth, Backdoor Roth, and Mega Backdoor Roth strategies may matter
• How investment, tax, and retirement decisions can interact in ways that are easy to overlook
• Why inheriting money can bring tax deadlines, investment decisions, and family responsibilities—not simply a larger account balance

You don’t need to be a “math person” to understand any of this.

Each lesson uses plain-English explanations, visual examples, real numbers, common mistakes, and a practical question to ask before making a financial decision.

You’ll also get:

• A 60-Question Money Checkup to help you identify what you know—and what you need to revisit
• An Annual Money Checkup to help you stay on top of the financial decisions that matter
• A plain-English financial glossary for the terms that can make money conversations feel unnecessarily complicated

This is not a get-rich-quick book. It’s not about memorizing hundreds of financial rules or trying to predict the next hot investment.

It’s about understanding enough to recognize the decisions that matter, see the trade-offs, and ask better questions before mistakes become expensive.

Whether you’re starting your first 401(k), buying a home, paying down debt, building an investment portfolio, approaching retirement, receiving an inheritance, or simply wondering what you were supposed to learn about money years ago, this book gives you a practical framework for making sense of it all.

Nobody hands you a manual for this stuff.

Now you have one.

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