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What They Should Have Taught You
Product Details
I wrote this book for my twin brothers.
When 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.
None of it was hard once someone explained it. That was the whole problem. Nobody was explaining it.
So 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.
What's inside
- Bank accounts and how to actually use them
- Credit scores, and why yours matters earlier than you think
- Credit vs. debit, and the math most people learn the hard way
- Taxes and what actually happens to your paycheck
- Every path after high school: college, trade school, military, work
- Spending habits, which compound in both directions
- The money mindset that separates people who build from people who scramble
Who it's for
High 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.
Coming Fall 2026.
Return policy
At Clearwood & Co., we want you to be satisfied with your purchase.
Return Eligibility
Physical products may be returned within 30 days of delivery if:
- The item is unused
- The item is unworn (for apparel)
- The item is in original condition
- Original packaging is included
Non-Returnable Items
The following items are non-refundable:
- Digital products
- Downloadable resources
- E-books
- Online courses
- Gift cards
- Personalized or custom-made products
Books
Books may be returned within 30 days if they are unused and in resalable condition.
Books showing signs of use, damage, or excessive wear may not qualify for a refund.
Apparel
Apparel items must be unworn, unwashed, and free from stains, odors, or damage.
Items returned in unacceptable condition may be refused.
Return Shipping
Customers are responsible for return shipping costs unless:
- The item was damaged upon arrival
- The wrong item was received
- The product arrived defective
Original shipping fees are non-refundable.
Refund Processing
Once your return is received and inspected, we will notify you regarding approval.
Approved refunds will be issued to the original payment method within 5–10 business days.
Processing times may vary depending on your bank or payment provider.
Damaged or Incorrect Items
If you receive a damaged, defective, or incorrect item, contact us within 7 days of delivery.
Please include:
- Order number
- Description of the issue
- Photos of the product
Email: hello@clearwoodco.com
Exchanges
At this time, exchanges are only offered for defective or damaged products.
Contact
For return and refund inquiries:
Shipping
Thank you for shopping with Clearwood & Co.
Order Processing
Orders are typically processed within 1–3 business days after payment has been received and verified.
Orders are not processed, shipped, or delivered on weekends or holidays.
During periods of high order volume, processing times may be slightly extended.
Shipping Rates & Delivery Times
Shipping costs are calculated at checkout based on your location and selected shipping method.
Estimated delivery times:
- United States: 3–7 business days
- Canada: 7–14 business days
- International Orders: 10–21 business days
Delivery times are estimates and are not guaranteed.
Order Tracking
Once your order ships, you will receive a confirmation email containing tracking information.
Please allow up to 48 hours for tracking updates to appear.
International Orders
International customers may be responsible for customs duties, import taxes, VAT, or additional fees imposed by their country.
These charges are the responsibility of the customer and are not included in shipping costs.
Incorrect Shipping Information
Customers are responsible for providing accurate shipping information.
Clearwood & Co. is not responsible for delays, lost packages, or additional shipping charges resulting from incorrect addresses.
Lost or Damaged Packages
If your order arrives damaged or appears lost in transit, please contact us within 7 days of delivery or expected delivery.
Email: hello@clearwoodco.com
We will work with the shipping carrier to help resolve the issue.
Contact
For shipping questions, contact: