{"title":"Books","description":"","products":[{"product_id":"what-they-should-have-taught-you","title":"What They Should Have Taught You","description":"\u003cp\u003eI wrote this book for my twin brothers.\u003c\/p\u003e\n\u003cp\u003eWhen they were freshmen in high school, I spent about a week walking them through everything I thought they needed to understand before they turned eighteen. Bank accounts. Credit scores. What a credit card actually does to you if you carry a balance. What their options were after graduation, including the ones nobody talks about.\u003c\/p\u003e\n\u003cp\u003eNone of it was hard once someone explained it. That was the whole problem. Nobody was explaining it.\u003c\/p\u003e\n\u003cp\u003eSo I wrote it down. This book is that week, expanded into something you can hand to a seventeen-year-old and trust that they will actually finish it. No jargon, no lecturing, no assuming they already know what an APR is.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhat's inside\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eBank accounts and how to actually use them\u003c\/li\u003e\n\u003cli\u003eCredit scores, and why yours matters earlier than you think\u003c\/li\u003e\n\u003cli\u003eCredit vs. debit, and the math most people learn the hard way\u003c\/li\u003e\n\u003cli\u003eTaxes and what actually happens to your paycheck\u003c\/li\u003e\n\u003cli\u003eEvery path after high school: college, trade school, military, work\u003c\/li\u003e\n\u003cli\u003eSpending habits, which compound in both directions\u003c\/li\u003e\n\u003cli\u003eThe money mindset that separates people who build from people who scramble\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eWho it's for\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eHigh schoolers, the parents who want to give them a head start, and teachers looking for something students will read to the end. It also makes a graduation gift that beats a card with cash in it.\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eComing Fall 2026.\u003c\/em\u003e\u003c\/p\u003e","brand":"Clearwood \u0026 Co","offers":[{"title":"Default Title","offer_id":48333477937393,"sku":null,"price":10.0,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0801\/2696\/8049\/files\/book1-final-cover.png?v=1786024603"},{"product_id":"personal-finance-principles","title":"Personal Finance Principles","description":"\u003cp\u003eThis is the book for after you have the basics down.\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eWhat They Should Have Taught You\u003c\/em\u003e covers the ground you should have gotten in high school. \u003cem\u003ePersonal Finance Principles\u003c\/em\u003e picks up where that ends. It is written for the person who has a job, a 401(k) they don't fully understand, and a nagging sense they should be doing more with their money.\u003c\/p\u003e\n\u003cp\u003eI wrote it the way I would explain it across a table. What a Roth IRA actually does, and why the tax treatment matters more than the returns. How options work, and why most people using them shouldn't be. What happens to your capital gains when you sell. How real estate fits alongside a portfolio instead of replacing one.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhat's inside\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eStocks, ETFs, and building a portfolio you don't have to babysit\u003c\/li\u003e\n\u003cli\u003eRoth IRA, 401(k), and the HSA strategy most people ignore\u003c\/li\u003e\n\u003cli\u003eOptions, explained without the hype\u003c\/li\u003e\n\u003cli\u003eTax planning and capital gains\u003c\/li\u003e\n\u003cli\u003eReal estate and mortgages\u003c\/li\u003e\n\u003cli\u003eEstate planning\u003c\/li\u003e\n\u003cli\u003eCrypto tax rules that catch people off guard\u003c\/li\u003e\n\u003cli\u003eBuilding a business, and the road to financial independence\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eWho it's for\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eYoung professionals, business owners, and anyone past the beginner stage who wants to understand the machinery instead of following tips. It stands completely alone. You do not need to read the first book first.\u003c\/p\u003e","brand":"Clearwood \u0026 Co","offers":[{"title":"Default Title","offer_id":48333478035697,"sku":null,"price":15.0,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0801\/2696\/8049\/files\/book2-final-cover-v3.png?v=1786024391"}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0801\/2696\/8049\/collections\/ChatGPT_Image_Jun_20_2026_11_55_24_AM.png?v=1781938553","url":"https:\/\/clearwoodco.com\/collections\/books.oembed","provider":"Clearwood \u0026 Co","version":"1.0","type":"link"}