Coming Soon — Book 1

What They Should Have
Taught You

A Financial & Life Skills Guide for High Schoolers

The book every high schooler deserves and almost none of them receive. Not a lecture. Not a textbook. A genuine, honest guide written by someone who figured it out and wants to save you the years it took.

From understanding credit scores before you need one, to choosing your path after graduation without pressure, to developing the money mindset that determines your financial future before your first paycheck — this book covers what school never will.

Bank Accounts & Savings Credit Scores Credit vs. Debit Cards Life After High School Money Philosophy College Alternatives Trade School & Military Spending Ratios

Perfect for: High school students, parents, school and library curricula, anyone who wishes they'd had this at 18.

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Coming Soon — Book 2

Personal Finance
Principles

Investing, Taxes, Real Estate & Building Real Wealth

The book for adults who are done with the basics and ready to go deep. Whether you're 22 and just landed your first real job or 42 and finally ready to take your finances seriously — this is the field guide to building real, lasting wealth.

Stocks, ETFs, options strategies, Roth IRAs, HSAs, tax-loss harvesting, real estate investing, mortgages, estate planning, financial independence — covered clearly, honestly, and with the kind of insight that usually costs you a financial advisor.

Stocks & ETFs Options Trading Roth IRA & 401(k) HSA Strategy Tax System Capital Gains Real Estate Investing Mortgages Estate Planning Financial Independence Building a Business Crypto Tax Rules

Stands completely alone. No need to read Book 1 first. Written for readers in their 20s, 30s, and beyond who are ready for the advanced playbook.

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MR

About the Author — Mike Ronca

Mike Ronca earned his real estate license at 18, holds degrees in finance and law from Penn State, and has spent a career at the intersection of money, legal systems, and real estate. He founded Clearwood & Co. to put what he knows in writing — for everyone who deserves to know it.

The Series

Book 1 is the entry point — designed for high schoolers and anyone building their foundation. Book 2 is where readers go next, covering the advanced strategies that compound over a lifetime. Read one. Read both. Either way, you'll finish knowing things most people spend a decade learning on their own.

"

An investment in knowledge pays the best interest.

— Benjamin Franklin

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