Every term used in the three books and the Field Kit, in plain English. Educational only, not financial, tax, or legal advice.
Also: balance transfer, 0% APR, 0% APR Campaigns, 0% APR Surfing
A card offer that charges no interest on moved balances for a limited promotional period, usually for a one-time fee. Only for people who have gone 90 days without adding new card debt; otherwise it usually makes the debt worse.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 8: 0% APR Campaigns →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
The library and website that hold both books and the Field Kit. Book 1 is about clearing debt; Book 2 is about building wealth that lasts.
Introduced in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Also: 1% Rule (real estate)
A real estate screen: monthly rent should be at least 1% of the purchase price.
Introduced in Book 2: Generational Wealth Guide, Chapter 12: Strategic Additions →
Also: 1% Scorecard, free scorecard, scorecard
The free five-minute quiz on the site's /audit page. It shows whether high-interest debt is your first front (start with Book 1) or whether you are ready to build (start with Book 2).
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: 100-Year Test
How much of the wealth you control today will still be intact and productive in 100 years? Ask it every birthday; Chapter 16 asks it in full.
Introduced in Book 2: Generational Wealth Guide, How to Use This Field Manual →
Also: 1031 exchanges
A United States rule for deferring tax when you sell investment property and buy another.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
Also: The 12 Disciples, Twelve Disciples, 12 disciplines
The 12 core disciplines Book 2 rests on: Responsibility, Restraint, Structure, Standards, Silence, Stewardship, Succession, Ownership, Patience, Leverage, Generosity, and Measurement.
Introduced in Book 2: Generational Wealth Guide, Chapter 2: The 12 Disciples →
First mentioned in Book 2: Generational Wealth Guide, How to Use This Field Manual →
Also: 403(b)
United States employer retirement plans that let you invest from your paycheck with tax advantages, often with an employer match.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Also: 529 plans, 529
A United States education savings plan with tax-free growth for qualified education costs.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
First mentioned in Book 2: Generational Wealth Guide, Chapter 8: Succession Thinking →
Also: 72-Hour List, 72 hours
Any non-essential purchase above your chosen threshold waits a full 72 hours before you buy it.
Introduced in Book 2: Generational Wealth Guide, Chapter 4: Restraint →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Chapter 3: Know Yourself as a Fighter →
Also: 90-Day Rapid Assault Protocol, Rapid Assault
Book 1's focused 90-day campaign that pulls every tactic into one coordinated push (Chapter 16).
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 16: The 90-Day Rapid Assault →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Also: Sprint
Book 2's 90-day plan that installs the whole system, from the Honest Audit to legal moves and the first family meeting (Chapter 17).
Introduced in Book 2: Generational Wealth Guide, Chapter 17: The 90-Day Sprint →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Chapter 3: Know Yourself as a Fighter →
Also: War Map
Drill 13: the week-by-week plan for a 90-day push, with planned windfalls and the Weekly Combat Report.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 16: The 90-Day Rapid Assault →
Anyone using The 1% Academy site and its tools. The site saves your drill answers in your own browser.
Introduced in The 1% Academy site, Site-wide
A look-alike wallet address placed in your transaction history so you might copy it by mistake the next time you send money.
Introduced in Book 3: Bulletproof Online, Chapter 16: Address poisoning →
First mentioned in Book 3: Bulletproof Online, Part II: Crypto Survival Kit →
What to record before moving to the next chapter, at the end of each Book 1 chapter.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Introduction: This Is Not a Budget Book →
A structured look back after a phase or the whole campaign: what worked, what failed, and what to change. Part of Drill 14.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 17: The Final Push & Occupation →
Pillar 4: keep disrupting the conditions that feed debt, such as remaining supply lines.
Free tokens that appear in your wallet, or that a website offers to send you. A surprise airdrop is often bait for a scam.
Introduced in Book 3: Bulletproof Online, Chapter 9: Rug pulls and junk coins →
Pillar 3: simple countermeasures for threats from every direction, not just the obvious one.
Also: allies, ally
The people who can strengthen the campaign: family, a trusted friend, and qualified advisors (Chapter 14).
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
The fixed day each month, ideally just after your main payday, when you make the NAPALM payment and update the Kill Board.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 6: NAPALM: Highest Rate First →
Also: Android package
Android package. An app installer file for Android phones. One that arrives by link instead of from Google Play is a common way malware gets in.
Introduced in Book 3: Bulletproof Online, Chapter 18: Fake virus alerts on the phone →
Also: annual percentage rate
Annual percentage rate: the yearly interest rate a lender charges on a balance.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Also: Asset Protection Trusts
A trust, allowed in some states and countries, built to shield assets from future creditors.
Introduced in Book 2: Generational Wealth Guide, Chapter 14: Legal Fortresses →
Also: asymmetric
High-leverage moves that are not direct payments, such as calling to lower a rate, negotiating a settlement, or planning windfalls.
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Also: attack
The extra dollars per month, above all minimum payments, that go to the current top debt.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Also: mega backdoor Roth
Legal ways to fund a Roth when income limits would otherwise block direct contributions; the "mega" version uses after-tax 401(k) contributions.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
A legal process for people who cannot repay their debts. It has serious long-term consequences and needs a qualified attorney.
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
The standard ending of every Book 1 chapter: Mission Statement, Operations Order, Field Test, Weapons & Equipment, Combat Log, and After-Action Notes.
Introduced in Book 1: Guerrilla Warfare Against Debt, Introduction: This Is Not a Budget Book →
Also: The Battlefield Map
The complete picture you build in Chapter 2: every debt, every spending category, your cash, and your monthly interest cost. It is Drill 2.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 2: Intelligence Gathering (Recon) →
First mentioned in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: beneficiaries
The person named to receive an account, policy, or trust distribution.
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
Also: printable binder, print binder
The site's printable collection of your saved drill answers, one per book. On paper, it is your Command Binder (Book 1) or Generational Wealth binder (Book 2).
Introduced in Book 1: Guerrilla Warfare Against Debt, Introduction: This Is Not a Budget Book →
Using your face or fingerprint to unlock a device. Useful, and still paired with a long passcode in case the biometric fails.
Introduced in Book 3: Bulletproof Online, Chapter 30: Lock the device itself →
A public website, such as Etherscan, that lets anyone look up a wallet address, a transaction, or a token's contract address on the blockchain.
Introduced in Book 3: Bulletproof Online, Chapter 9: Rug pulls and junk coins →
Also: on-chain
The shared public record of every transaction for a cryptocurrency. Once a payment is recorded there, it cannot be reversed.
Introduced in Book 3: Bulletproof Online, Chapter 9: Rug pulls and junk coins →
First mentioned in Book 3: Bulletproof Online, Bulletproof Online →
Loans to a government or company that pay interest. In the Core Portfolio they add stability (ballast).
Introduced in Book 2: Generational Wealth Guide, Chapter 11: Core Portfolio Investing →
Also: Boring Engine Rule
Book 2's name for the Core Portfolio and its rule: the investments that make you yawn are the ones that build wealth.
Introduced in Book 2: Generational Wealth Guide, Chapter 11: Core Portfolio Investing →
First mentioned in Book 2: Generational Wealth Guide, How to Use This Field Manual →
A small add-on inside the browser. Wallet extensions are useful and also a common place for fakes. Install them only from the wallet’s official website.
Introduced in Book 3: Bulletproof Online, Chapter 13: Malware that steals cryptocurrency →
A fraudulent email that looks like a vendor, an executive, or a payroll office and asks you to change where a payment is sent.
Introduced in Book 3: Bulletproof Online, Chapter 2: Email as the master key →
Also: BNPL
Short installment plans offered at checkout. They count as debt on your Kill Board.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 2: Intelligence Gathering (Recon) →
Also: spoofing
Faking the name or number that appears on a phone so a call looks like it comes from a bank, a utility, or someone you know.
Introduced in Book 3: Bulletproof Online, Chapter 19: Vishing and cloned voices →
First mentioned in Book 3: Bulletproof Online, Chapter 1: Phishing, fake ads, and social tricks →
Also: capitalization rate
A property's yearly net income divided by its price, before financing.
Introduced in Book 2: Generational Wealth Guide, Chapter 12: Strategic Additions →
Profit from selling an investment for more than you paid. It is often taxed differently from wages.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
Also: cash-flow positive
Money left after all of a property's or business's expenses each month.
Introduced in Book 2: Generational Wealth Guide, Chapter 12: Strategic Additions →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Chapter 6: NAPALM: Highest Rate First →
Extra retirement contributions allowed in the United States from age 50.
Introduced in Book 2: Generational Wealth Guide, Chapter 18: Starting Late in Life →
LLC language that limits what a creditor of one owner can take from the company.
Introduced in Book 2: Generational Wealth Guide, Chapter 14: Legal Fortresses →
A trust that pays you income for a period, then gives the rest to charity.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Malware that replaces a cryptocurrency address you copied with the criminal’s address when you paste.
Introduced in Book 3: Bulletproof Online, Chapter 13: Malware that steals cryptocurrency →
Also: co-sign, co-signer
Signing for someone else's loan. It generally makes you legally responsible if they do not pay.
First mentioned in Book 1: Guerrilla Warfare Against Debt, Chapter 1: Declaration of War →
Keeping cryptocurrency keys offline, usually on a hardware wallet or on paper or metal that is not photographed or uploaded.
Introduced in Book 3: Bulletproof Online, Chapter 14: Protect your recovery phrase →
First mentioned in Book 3: Bulletproof Online, Part II: Crypto Survival Kit →
Also: collection agency, in collections
When an unpaid debt is passed or sold to a company that tries to collect it.
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Your running notebook of observations, slips, close calls, and decisions during the campaign. Each chapter ends with Combat Log questions to answer in writing.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Introduction: This Is Not a Budget Book →
Also: the binder
The one three-ring binder or digital folder that holds every Book 1 worksheet, from your Declaration of War to your Weekly Combat Reports.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: Weekly Command Meeting
A scheduled 20-to-30-minute weekly money meeting to review the Kill Board and make decisions: with your partner if you share finances, or on your own with your numbers if you don't.
First mentioned in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: compounding, compounds
Interest earned (or charged) on earlier interest as well as the original amount, so growth or debt speeds up over time.
Introduced in Book 2: Generational Wealth Guide, Chapter 2: The 12 Disciples →
A settings file for an iPhone that can change how it handles networks, apps, and security. Install one only from your employer or school.
Introduced in Book 3: Bulletproof Online, Chapter 18: Fake virus alerts on the phone →
Also: consolidation
A new loan that pays off several debts. It helps only if the rate is lower and the term is not simply stretched.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 5: Choosing Your Arsenal →
Also: core indexing, Core Portfolio Investing
The simple, low-cost, broadly diversified index-fund portfolio that holds the majority of your long-term money.
Introduced in Book 2: Generational Wealth Guide, Chapter 11: Core Portfolio Investing →
First mentioned in Book 2: Generational Wealth Guide, How to Use This Field Manual →
Also: countermeasures
A specific piece of friction you install against a known trigger, such as deleting a saved card from a shopping app.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 3: Know Yourself as a Fighter →
Also: certified public accountant
Certified public accountant: a licensed tax and accounting professional.
Introduced in Book 2: Generational Wealth Guide, Chapter 6: Standards →
Also: Nonprofit credit counseling
Help from a nonprofit agency with budgeting and, in some cases, a debt management plan.
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
A number lenders use to judge how likely you are to repay. It affects approvals and rates.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 2: Intelligence Gathering (Recon) →
Also: utilization
The share of your available credit limits that you are currently using.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 8: 0% APR Campaigns →
First mentioned in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: cryptocurrency ATM, Bitcoin kiosk
A machine, also called a Bitcoin kiosk, that takes cash and sends cryptocurrency to a wallet address. No bank, court, or police department collects payment this way.
Introduced in Book 3: Bulletproof Online, Chapter 11: Crypto ATM scams →
First mentioned in Book 3: Bulletproof Online, Part II: Crypto Survival Kit →
Also: cryptocurrency exchange
A company that buys, sells, and holds cryptocurrency for its customers. Your account there is protected by its sign-in and two-factor settings.
Also: Debt Inventory & Ranking Sheet
The list of every debt with creditor, type, balance, rate, minimum payment, due date, and whose name it is in (Appendix A-2).
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 2: Intelligence Gathering (Recon) →
First mentioned in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: DMP
A plan arranged by a credit counseling agency in which you make one payment and the agency pays your creditors, often at reduced rates.
Also: settlement, settle
Agreeing with a creditor to pay less than the full balance, in writing, usually as a lump sum. It can affect your credit and taxes.
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Also: validation
Asking a collector to prove the debt is yours and the amount is right before you pay.
First mentioned in Book 1: Guerrilla Warfare Against Debt, Chapter 5: Choosing Your Arsenal →
Also: Universal Decision Tree, Decision Tree Card, the tree
Book 2's five-step order for every new dollar: kill high-interest debt, fill the Fortress, capture matches and tax advantages, fund the Core Portfolio, and only then the Opportunity Sleeve.
Introduced in Book 2: Generational Wealth Guide, Chapter 10: The Universal Decision Tree →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Chapter 6: NAPALM: Highest Rate First →
Also: Declaration
The signed one-page statement that starts the campaign: what you are ending, why, the start date, and your signature (plus your partner's, if you share finances). It is Drill 1.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 1: Declaration of War →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Audio or video generated to imitate a real person’s voice or face. A familiar voice on the phone is no longer proof.
Introduced in Book 3: Bulletproof Online, Chapter 1: Phishing, fake ads, and social tricks →
Also: Default Future
One honest sentence: "If I keep doing exactly what I am doing today, in five years I will be…" It shows where your current habits lead.
Introduced in Book 2: Generational Wealth Guide, Chapter 3: Total Responsibility →
First mentioned in Book 2: Generational Wealth Guide, How to Use This Field Manual →
Pillar 2: successive layers of protection (starting with the starter reserve) so one setback does not end the campaign.
A "no interest if paid in full" offer that charges all the back interest if any balance remains at the deadline. Not authorized in this manual.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 8: 0% APR Campaigns →
First mentioned in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: bonus depreciation, cost segregation
A tax deduction for the wear on a property over time. Cost segregation and bonus depreciation speed it up for real estate investors.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
Insurance that replaces part of your income if illness or injury stops you working.
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
Also: disciplined builder, quiet builders
Book 2's name for people who build lasting wealth through systems and restraint rather than luck or display.
Introduced in Book 2: Generational Wealth Guide, Why This Manual Exists →
Also: direct message
Direct message. A private message sent inside a social media or chat app.
First mentioned in Book 3: Bulletproof Online, Part II: Crypto Survival Kit →
Investing a fixed amount on a regular schedule, regardless of market price.
Introduced in Book 2: Generational Wealth Guide, Chapter 11: Core Portfolio Investing →
Also: DAF
A charitable account that gives you a tax deduction now while you recommend grants to charities over time.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Also: drills, Field Kit drill, live drill
An interactive exercise in the Field Kit that matches a chapter. Doing the drill is the proof that you did the chapter's work, not just read it.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Also: dynasty trusts, generation-skipping
An irrevocable trust designed to last for many generations, where state law allows.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Your total tax divided by your total income.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
Also: Ego-Spend, Ego Spend, ego spending
The share of the last 90 days' spending that was mainly for image or other people's approval. Over 15–20% is a clear leak.
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
Also: emergency reserve
Cash kept for real emergencies. The standard in every book: one month of essential expenses (the starter reserve) while paying off debt, then six months (the Fortress) once consumer debt is gone.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 2: Intelligence Gathering (Recon) →
First mentioned in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: match
Money your employer adds to your retirement plan when you contribute. Book 2 calls capturing it the closest thing to free money.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Also: taxable estate
Tax on the value of what you leave at death, above any exemption.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
Also: ETF, VTI, VOO
A fund that trades on a stock exchange like a single stock. VTI and VOO are examples of low-cost Vanguard index ETFs.
Introduced in Book 2: Generational Wealth Guide, Chapter 11: Core Portfolio Investing →
Drill 11: a category-by-category cut of subscriptions, food, transportation, utilities, insurance, and lifestyle spending.
Also: fee drag
The yearly fee a fund charges, as a percentage of your investment. 0.05% is almost invisible; 1% or more costs a fortune over decades.
Introduced in Book 2: Generational Wealth Guide, Chapter 11: Core Portfolio Investing →
Also: Family Bank Charter
An LLC or trust that makes low-interest or forgivable loans to family members for education, business, or a first home, with a written plan and committee review.
Introduced in Book 2: Generational Wealth Guide, Chapter 16: Advanced Legacy Tools →
First mentioned in Book 2: Generational Wealth Guide, Chapter 2: The 12 Disciples →
A private word or short phrase your household agrees on in advance, so you can tell a real relative from a caller using a copied voice.
Introduced in Book 3: Bulletproof Online, Chapter 20: Grandparent and family emergency calls →
First mentioned in Book 3: Bulletproof Online, Chapter 19: Vishing and cloned voices →
Joint command with dependents. Children do not need to see balances, but they get an age-appropriate briefing.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
The family's written rule book: meeting schedule, decision rules, education requirements for heirs, conflict resolution, and values.
Introduced in Book 2: Generational Wealth Guide, Chapter 8: Succession Thinking →
First mentioned in Book 2: Generational Wealth Guide, Chapter 2: The 12 Disciples →
Also: family operating system
The rules, meetings, education, and incentives a family uses to make decisions about money across generations.
Introduced in Book 2: Generational Wealth Guide, Chapter 15: Family Governance & Heir Preparation →
Also: Family Limited Partnerships
A family-owned entity that holds assets and can allow valuation discounts when gifting shares.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Also: Mission Statement (family), Family Mission Statement
A one-paragraph statement of what wealth is for in your family, written together and read at every Legacy Review Day.
Introduced in Book 2: Generational Wealth Guide, Chapter 8: Succession Thinking →
Also: income-driven repayment
United States government student loans with special repayment, deferment, and forgiveness rules that private loans lack.
First mentioned in Book 1: Guerrilla Warfare Against Debt, Chapter 6: NAPALM: Highest Rate First →
Also: fee-only adviser, fee-only planner
A planner paid only by you, not by commissions on products they sell.
Also: the Field Kit
The set of interactive drills and printable worksheets on the site's /kit page. Book 1's Appendix and Book 2's Appendix are its paper versions.
Introduced in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Also: Field Tests, Field Test (Drill)
The exercise at the end of each chapter that proves the work was done. In Book 1 each Field Test is a numbered drill; in Book 2 it is a real-world experiment for the week.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Introduction: This Is Not a Budget Book →
Also: Five Pillars of Financial Defense, Five Pillars Assessment
Book 1's five layers of defense that protect your position while you attack: Key Terrain, Defense in Depth, All-Around Defense, Aggressive Defense, and Integrated Defense.
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Also: fear of missing out
Fear of missing out: the urge to act because others seem to be profiting.
Introduced in Book 2: Generational Wealth Guide, Chapter 6: Standards →
Also: Room 2, full reserve
The full emergency reserve: six months of essential (Survival) expenses, built once consumer debt is gone. In Book 2 it is Room 2 of the Six Rooms.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Introduction: This Is Not a Budget Book →
Also: Fortress months
Cash or cash equivalents you could reach within 48 hours. Divide it by your Burn Rate to get Fortress months.
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
Also: Pre-Victory Fortress Plan
The written plan, made before the final debt is paid, for redirecting the NAPALM payment into the full reserve.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 17: The Final Push & Occupation →
Also: Trigger Events, Fortress Maintenance Calendar
The Appendix protocol for job loss, a large unexpected expense, or a windfall: which money to use first and how to rebuild the Fortress.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Also: free-mint
A website that offers to create ("mint") new tokens or digital collectibles for free. Many are wallet drainers in disguise.
Also: Federal Trade Commission
Federal Trade Commission. The U.S. agency that collects reports about fraud, scams, and unwanted calls. Report a scam at ReportFraud.ftc.gov.
Introduced in Book 3: Bulletproof Online, Chapter 1: Phishing, fake ads, and social tricks →
Moving to a lower-cost area to raise your savings rate.
Introduced in Book 2: Generational Wealth Guide, Chapter 18: Starting Late in Life →
Also: guerrilla
Book 1's five-part method: Attack, Starve, Disarm, Reinforce, and Defend.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 1: Declaration of War →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Introduction: This Is Not a Budget Book →
A check of your credit report when you apply for credit. Several in a short period can lower your score.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 8: 0% APR Campaigns →
A temporary arrangement from a lender, such as a lower rate or payment, for borrowers facing documented hardship.
Also: hardware key, hardware keys
A small physical device, such as a YubiKey, that you tap to approve a sign-in. Buy two. Keep one somewhere else.
Introduced in Book 3: Bulletproof Online, Chapter 4: Passwords, passkeys, and keys →
First mentioned in Book 3: Bulletproof Online, Bulletproof Online →
A small device that keeps cryptocurrency private keys offline and shows the destination address on its own screen before you approve a payment.
Introduced in Book 3: Bulletproof Online, Chapter 13: Malware that steals cryptocurrency →
First mentioned in Book 3: Bulletproof Online, Chapter 9: Rug pulls and junk coins →
Also: HYSA
A savings account that pays a higher interest rate than a regular one. It is a common home for the Fortress.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Also: the Audit, Honest Audit Dashboard
Book 2's six-number snapshot of where you stand: Net Worth, Monthly Burn Rate, Fortress Liquidity, Ego-Spend %, Silence Score, and Structures Score. Repeat it every 90 days. (Not the same as the site's 1% Scorecard.)
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
A wallet that is connected to the internet, such as a phone application or a browser extension. Convenient for spending money. A poor place for long-term savings.
Introduced in Book 3: Bulletproof Online, Chapter 14: Protect your recovery phrase →
Buying a small multi-unit property and living in one unit while renting the others.
Introduced in Book 2: Generational Wealth Guide, Chapter 12: Strategic Additions →
Also: health savings account
Health savings account: a United States account for medical costs, available with a high-deductible health plan, with a triple tax advantage.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
The secure version of the web, shown by a padlock in the address bar. It scrambles the connection so others on the network cannot read it, but it does not prove the site is honest.
Also: hybrid structure
For couples who share finances, an account setup in which each partner contributes a set amount or percentage to a joint account for shared expenses and the debt attack, and keeps personal accounts for allowances.
Also: Internet Crime Complaint Center
Internet Crime Complaint Center. The FBI's website for reporting internet crime, especially when money moved or cryptocurrency was involved: ic3.gov.
Introduced in Book 3: Bulletproof Online, Chapter 1: Phishing, fake ads, and social tricks →
First mentioned in Book 3: Bulletproof Online, Bulletproof Online →
Also: irrevocable life insurance trust, ILITs
Irrevocable life insurance trust: a trust that owns a life insurance policy so the payout stays out of your taxable estate.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
Also: Incentive Clauses, incentive trust, Incentive Trusts, Incentive Clause Library
Trust language that releases money when an heir shows positive behaviors, such as earning income, finishing school, or starting a business.
Introduced in Book 2: Generational Wealth Guide, Chapter 16: Advanced Legacy Tools →
First mentioned in Book 2: Generational Wealth Guide, How to Use This Field Manual →
Also: Income Raids, raid, raid income
A short, focused effort to earn extra money for the attack, such as overtime, side work, or selling unused items.
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Also: index funds, broad indexing, indexes
A fund that simply owns every company in a market index, such as the S&P 500, at very low cost.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
First mentioned in Book 2: Generational Wealth Guide, Chapter 4: Restraint →
The general rise in prices over time, which shrinks what idle cash can buy.
Introduced in Book 2: Generational Wealth Guide, Chapter 7: Stewardship →
Pillar 5: budget, debt ranking, income, habit controls, and tracking run as one system.
The household role (Chapter 4) that keeps the Kill Board and Combat Reports updated.
What a lender charges you for borrowing, usually shown as an annual percentage of the balance.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 2: Intelligence Gathering (Recon) →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Introduction: This Is Not a Budget Book →
Also: individual retirement account, Traditional IRA
Individual retirement account: a United States retirement account you open yourself, with tax advantages.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Also: irrevocable trusts
A trust you generally cannot change once it is created; it can remove assets from your taxable estate.
Introduced in Book 2: Generational Wealth Guide, Chapter 14: Legal Fortresses →
Also: Internal Revenue Service
Internal Revenue Service: the United States tax authority.
Introduced in Book 2: Generational Wealth Guide, Chapter 6: Standards →
Also: ISA, SIPP
United Kingdom tax-advantaged accounts: the Individual Savings Account and the Self-Invested Personal Pension.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Running the debt campaign as a couple, with both partners seeing the full map and signing the rules. Chapter 4 is built for this.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
A public charging port that is altered to install malware or copy data while a phone charges.
Introduced in Book 3: Bulletproof Online, Chapter 30: Lock the device itself →
Also: Key Terrain Test
What you must protect to keep fighting: income, housing, health, essential insurance, transportation, and family stability. The Key Terrain Test checks whether selling an asset would damage any of these.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Malware that records what you type.
Introduced in Book 3: Bulletproof Online, Chapter 13: Malware that steals cryptocurrency →
Also: Debt Kill Board, Master War Map
The single chart that tracks every debt, its rate, its balance, and its place in the attack order. You update it monthly and cross off each debt as it falls.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 2: Intelligence Gathering (Recon) →
First mentioned in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: late starter, late starters, Accelerated Protocol
Book 2's accelerated plan for starting at 40 or later: higher savings, faster debt payoff, a leaner Fortress, and a strong income push.
Introduced in Book 2: Generational Wealth Guide, Chapter 18: Starting Late in Life →
First mentioned in Book 2: Generational Wealth Guide, How to Use This Field Manual →
A seven-day exercise: note every time you almost volunteered financial information and rewrite what you said.
Introduced in Book 2: Generational Wealth Guide, Chapter 5: Silence →
Also: Legacy Review Meeting, Legacy Discussion
An annual family meeting to read the mission statement, update documents and beneficiaries, and share the 100-Year Question answers from everyone's birthdays.
Introduced in Book 2: Generational Wealth Guide, Chapter 8: Succession Thinking →
First mentioned in Book 2: Generational Wealth Guide, How to Use This Field Manual →
Also: Four-Layer Fortress Model, Fortress Review Day
Book 2's four layers of legal protection: insurance, entities, trusts, and privacy structures, reviewed every January.
Introduced in Book 2: Generational Wealth Guide, Chapter 14: Legal Fortresses →
First mentioned in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
Also: term, permanent life insurance
Insurance that pays your beneficiaries when you die. Term covers a set period; permanent lasts for life.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: lifestyle inflation
Spending that quietly rises as income rises.
A once-a-year record, filled in every birthday, of net worth, Fortress months, effective tax rate, family meetings, heir progress, and how you feel as a steward.
Introduced in Book 2: Generational Wealth Guide, How to Use This Field Manual →
In crypto, the pool of money that lets people buy and sell a coin. In a rug pull, the creators pull it out and the coin can no longer be sold.
Introduced in Book 3: Bulletproof Online, Chapter 9: Rug pulls and junk coins →
Also: limited liability company, LLCs
Limited liability company: a legal entity that separates a business or property from your personal assets.
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
Also: LTV
A loan's size as a percentage of the property's value. Book 2 caps investment property at 65–75%.
Introduced in Book 2: Generational Wealth Guide, Chapter 12: Strategic Additions →
Software written to harm the device or to steal from the person using it. Viruses, spyware, and ransomware are types of malware.
Introduced in Book 3: Bulletproof Online, Chapter 14: Protect your recovery phrase →
The Field Kit drill for Book 2, Chapter 3, where you write your Default Future Sentence and sign your Owner's Mandate.
Introduced in Book 2: Generational Wealth Guide, Chapter 3: Total Responsibility →
First mentioned in Book 2: Generational Wealth Guide, How to Use This Field Manual →
A fake buyer or seller on a listing site who uses a payment screenshot, a wire, gift cards, or cryptocurrency so you ship goods or pay before anything is real.
Introduced in Book 3: Bulletproof Online, Chapter 7: Marketplace, ticket, and rental scams →
Also: memecoin
A cryptocurrency created as a joke or for hype, with no business or product behind it.
Introduced in Book 3: Bulletproof Online, Chapter 9: Rug pulls and junk coins →
Also: minimums
The smallest payment a lender accepts each month. Paying only the minimum keeps most debt alive for years.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 1: Declaration of War →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Introduction: This Is Not a Budget Book →
The daily and weekly actions you will keep even on bad days. They are the floor, not the goal.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 3: Know Yourself as a Fighter →
In a Book 1 Battle Plan Close, the single objective of the chapter. (In Book 2, see Family Wealth Mission Statement.)
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Introduction: This Is Not a Budget Book →
Also: Mission-Critical spending, Mission-Critical expenses
Spending you cannot cut without harm: housing, basic food, required transportation, insurance, utilities, minimum debt payments, and childcare needed for work.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 2: Intelligence Gathering (Recon) →
A low-risk fund that holds short-term, high-quality debt and can usually be sold within days.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Also: NAPALM Monthly Allocation Sheet
The worksheet (Appendix A-9) where you record each month's NAPALM payment, date, and amount.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 6: NAPALM: Highest Rate First →
Also: Burn Rate
Everything you spend in a month: fixed costs plus your average variable spending.
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
Also: Capital Review
A 30-minute monthly review of every major asset: its allocation, return, risk, and fit with your values.
Introduced in Book 2: Generational Wealth Guide, Chapter 7: Stewardship →
First mentioned in Book 2: Generational Wealth Guide, Chapter 2: The 12 Disciples →
The household role (Chapter 4) that tracks wins, plans low-cost rewards at milestones, and calls a timeout when a meeting gets heated.
Also: multisig
A crypto wallet that needs more than one key to approve a payment, so one stolen key is not enough.
Introduced in Book 3: Bulletproof Online, Chapter 14: Protect your recovery phrase →
Also: NAPALM method, NAPALM payment, NAPALM allocation, highest rate first, debt avalanche, avalanche
Our codename (not an acronym) for paying off the highest-interest debt first, then rolling each freed payment onto the next-highest. Most books call this the debt avalanche.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 6: NAPALM: Highest Rate First →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Everything you own minus everything you owe.
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
Also: nominal, real return
A nominal return is before inflation; a real return is after inflation.
Introduced in Book 2: Generational Wealth Guide, Chapter 4: Restraint →
Also: The Final Push & Occupation
Holding the ground after victory: closing accounts cleanly, confirming zero balances, and building the Fortress.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 17: The Final Push & Occupation →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Also: Old Card Control Checklist
The same-day steps that stop old cards from filling back up after a balance transfer (Appendix A-12).
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 8: 0% APR Campaigns →
A missed call, often international, placed so you will call back and pay a premium rate.
Introduced in Book 3: Bulletproof Online, Chapter 21: One-ring and premium-rate calls →
Also: Room 1
Room 1: the everyday checking account where all income lands and all bills are paid. Keep it lean at 1 to 1.5 months of expenses.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
The numbered list of actions in each Book 1 Battle Plan Close.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Introduction: This Is Not a Budget Book →
Drill 3: an honest look at your money patterns, triggers, and capacity, so the plan fits the person running it.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 3: Know Yourself as a Fighter →
First mentioned in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: Room 5, sleeve
Room 5: a ring-fenced account for higher-risk bets, capped at 5–10% of net worth, funded only after Rooms 1–4.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
A United States program offering tax benefits for investing in designated areas.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
Also: Owner’s Mandate, Mandate
A short signed commitment that you take full responsibility for every financial outcome from today forward.
Introduced in Book 2: Generational Wealth Guide, Chapter 3: Total Responsibility →
Also: passkeys
A sign-in bound to your device and to the real website. A look-alike page cannot use it, because the passkey checks the site’s true address.
Introduced in Book 3: Bulletproof Online, Chapter 4: Passwords, passkeys, and keys →
First mentioned in Book 3: Bulletproof Online, Bulletproof Online →
An application that creates and stores a different long password for every account, so you only have to remember one master password.
Introduced in Book 3: Bulletproof Online, Chapter 4: Passwords, passkeys, and keys →
First mentioned in Book 3: Bulletproof Online, Bulletproof Online →
Also: Payday Split Command
The written split of every paycheck: a percentage to Priority transfers, a percentage to Survival expenses, and the remainder for variable spending.
Introduced in Book 2: Generational Wealth Guide, Appendix: Implementation Worksheets →
Also: Peacetime, wartime
Two sets of spending rules: tighter "wartime" rules during the campaign and planned "peacetime" rules after, so lifestyle creep does not return.
A message, page, or advertisement that pretends to be a company or a person you trust, so you will give up a password, a code, or money.
Introduced in Book 3: Bulletproof Online, Chapter 1: Phishing, fake ads, and social tricks →
First mentioned in Book 3: Bulletproof Online, Part I: Internet Survival Kit →
A long scam that starts as friendship or romance and ends as a fake investment. The name is ugly because the criminal spends weeks “fattening” the target before asking for the large payment.
Introduced in Book 3: Bulletproof Online, Chapter 10: Pig butchering →
First mentioned in Book 3: Bulletproof Online, Start Here: One hour, in order →
Also: number lock
A setting with your mobile carrier that stops anyone from moving your phone number to another carrier or phone without your PIN or an extra check.
Introduced in Book 3: Bulletproof Online, Chapter 12: SIM swaps and the phone number →
Also: powers of attorney, healthcare directive
Documents naming who can act for you financially or medically if you cannot.
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
A phone number that bills far more than a normal call. The criminal receives a share of that bill.
Introduced in Book 3: Bulletproof Online, Chapter 21: One-ring and premium-rate calls →
The amount you actually borrowed or still owe, not counting interest.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 1: Declaration of War →
Also: Priority transfer, Pay-Yourself-First
Automatic transfers that move a set percentage of every paycheck into Rooms 2 to 6 before any lifestyle spending.
Introduced in Book 2: Generational Wealth Guide, How to Use This Field Manual →
Also: venture
Investments in private companies not traded on public markets. Book 2 keeps them in the Opportunity Sleeve.
Introduced in Book 2: Generational Wealth Guide, Chapter 12: Strategic Additions →
A charitable organization a family creates and controls.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
The secret that proves you control a cryptocurrency wallet. The seed phrase is a human-readable backup of that secret.
The court process that settles a will. Trusts can avoid it.
Introduced in Book 2: Generational Wealth Guide, Chapter 14: Legal Fortresses →
Also: introductory rate, promotional period
A temporary low rate that ends on a set date, after which the standard rate applies.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 8: 0% APR Campaigns →
First mentioned in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
A wireless network you do not control, such as a café, hotel, or airport. Most sites already encrypt the page. A virtual private network is optional and does not stop a scam.
First mentioned in Book 3: Bulletproof Online, Part I: Internet Survival Kit →
Also: pump-and-dump
A scheme that inflates a token’s price with hype, then sells. Everyone who bought the hype is left holding a token that collapses.
Introduced in Book 3: Bulletproof Online, Chapter 9: Rug pulls and junk coins →
Quick-response code. The square barcode you scan with a phone camera to open a web address or a payment page.
Introduced in Book 3: Bulletproof Online, Chapter 6: QR code lures →
First mentioned in Book 3: Bulletproof Online, Part I: Internet Survival Kit →
The household role (Chapter 4) that manages day-to-day spending, groceries, household supplies, and the irregular-expense calendar.
Phishing that uses a QR code. The square code hides the real web address until you have already opened it.
Introduced in Book 3: Bulletproof Online, Chapter 6: QR code lures →
The household role (Chapter 4) that leads the income effort, such as overtime, side work, and selling unused items.
Malware that locks your files or your screen and demands payment to unlock them. Paying does not guarantee the files come back.
Introduced in Book 3: Bulletproof Online, Chapter 18: Fake virus alerts on the phone →
First mentioned in Book 3: Bulletproof Online, Chapter 14: Protect your recovery phrase →
Also: rebalance
Selling a little of what has grown and buying what has lagged to return to your target mix, usually once a year.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Also: refinance
Replacing an existing loan with a new one, ideally at a lower rate.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 5: Choosing Your Arsenal →
The written steps for the day you slip, so one violation does not spiral into "I already blew it."
Also: Relationship Audit Scorecard
Scoring everyone who touches your money from 1 to 10 on competence, transparency, ethics, and value. Anything 7 or below is upgraded or fired within 30 days.
Introduced in Book 2: Generational Wealth Guide, Chapter 6: Standards →
First mentioned in Book 2: Generational Wealth Guide, How to Use This Field Manual →
A setting that lets you erase a lost or stolen phone from another computer or from the manufacturer’s website.
Introduced in Book 3: Bulletproof Online, Chapter 30: Lock the device itself →
A trust you control during your life that avoids probate and covers incapacity.
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
Credit you can borrow, repay, and borrow again, such as a credit card.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 1: Declaration of War →
Also: return on investment
Return on investment: what you get back compared with what you put in.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
A relationship used to extract money. It may never meet in person, and it often turns into an investment pitch.
Introduced in Book 3: Bulletproof Online, Chapter 5: Romance scams →
First mentioned in Book 3: Bulletproof Online, Part I: Internet Survival Kit →
Also: Roth conversions
Moving money from a traditional IRA to a Roth IRA and paying the tax now, often best in a low-income year.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
Also: Roth, Roth vehicles
A retirement account funded with after-tax money; qualified withdrawals later are tax-free.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
A cryptocurrency project that takes investors’ money and disappears, often by removing the trading pool so the token cannot be sold.
Introduced in Book 3: Bulletproof Online, Chapter 9: Rug pulls and junk coins →
First mentioned in Book 3: Bulletproof Online, Part II: Crypto Survival Kit →
Also: Personal Rules of Engagement, Household Rules of Engagement, Credit Rules of Engagement
Short written rules you commit to in advance, such as "no new charges on revolving credit." There are personal, household (for anyone who shares finances), and credit versions.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 3: Know Yourself as a Fighter →
First mentioned in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: S-Corp, S-Corps
A United States tax election for a business that can reduce self-employment taxes.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
An index of 500 large United States companies, often used as shorthand for the United States stock market.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
A caller pretending to be your bank who tells you to move money to a new account, into cash, or into cryptocurrency to protect it. The move is the theft.
Introduced in Book 3: Bulletproof Online, Chapter 26: Your bank says move your money →
First mentioned in Book 3: Bulletproof Online, Chapter 25: Agencies, one-ring, and fake support →
Also: recovery phrase, recovery phrases
The list of words, often twelve or twenty-four, that can recreate a cryptocurrency wallet. Anyone who has the words has the money. Never type them into a website.
First mentioned in Book 3: Bulletproof Online, Bulletproof Online →
Installing a phone application from outside the Apple App Store or Google Play, usually by opening a file someone sent you.
Introduced in Book 3: Bulletproof Online, Chapter 18: Fake virus alerts on the phone →
The Field Kit drill that collects Book 2's signed documents, such as the Owner's Mandate, Standards Manifesto, and family charters.
Introduced in Book 2: Generational Wealth Guide, How to Use This Field Manual →
Also: strategic silence, vaulted, vaulted goals
What disciplined builders never volunteer: net worth, positions, business metrics, goals and timelines, and recent purchases or windfalls.
Introduced in Book 2: Generational Wealth Guide, Chapter 5: Silence →
First mentioned in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
A 1–10 rating of how little the people around you know about your money. 10 means almost no one knows your numbers.
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
Also: SIM-swap
A criminal convinces your mobile carrier to move your phone number onto their card, then receives your calls and text-message codes.
Introduced in Book 3: Bulletproof Online, Chapter 4: Passwords, passkeys, and keys →
First mentioned in Book 3: Bulletproof Online, Bulletproof Online →
Also: Six Rooms Architecture, rooms, Six Rooms Map
Book 2's six-account structure: Operating Account, Fortress, Tax-Advantaged Growth, Taxable Brokerage, Opportunity Sleeve, and Stewardship & Legacy.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
First mentioned in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
A program that runs on a blockchain and moves tokens by its own rules. A token approval gives a smart contract permission to move your tokens.
Introduced in Book 3: Bulletproof Online, Chapter 15: Wallet drainers and token approvals →
Phishing that arrives as a text message. The name combines SMS, the technical name for text messages, and phishing.
Introduced in Book 3: Bulletproof Online, Chapter 17: Smishing and the delivery text →
First mentioned in Book 3: Bulletproof Online, Part III: Smartphone Survival Kit →
Short message service: the technical name for ordinary text messages. "SMS codes" are sign-in codes sent to you by text.
Introduced in Book 3: Bulletproof Online, Chapter 4: Passwords, passkeys, and keys →
First mentioned in Book 3: Bulletproof Online, Bulletproof Online →
Also: Debt Snowball, Snowball phase
Paying off the smallest balance first, regardless of interest rate. In this manual it is a short, controlled morale tool, not the main weapon.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 7: Snowball: Supporting Infantry →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Tricking a person, rather than breaking a machine. Urgency, fear, flattery, and a borrowed logo are the usual tools.
Introduced in Book 3: Bulletproof Online, Chapter 1: Phishing, fake ads, and social tricks →
Running the campaign alone because you are single or the only person whose finances are involved.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Book 1's term for debts that need extra care: student loans, medical debt, collections, and situations involving bankruptcy (Chapter 15).
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
Malware that watches. It may record keystrokes, location, messages, or what is on the screen.
Introduced in Book 3: Bulletproof Online, Chapter 22: Malware and spyware on the phone →
First mentioned in Book 3: Bulletproof Online, Chapter 14: Protect your recovery phrase →
Also: My Standards Manifesto, Personal Standards Manifesto
A one-page signed document listing the standards every professional, product, and habit in your financial life must meet.
Introduced in Book 2: Generational Wealth Guide, Chapter 6: Standards →
First mentioned in Book 2: Generational Wealth Guide, Chapter 2: The 12 Disciples →
Also: Starter Emergency Reserve
An emergency cash fund of one month of essential expenses, built before the extra debt attack begins so a surprise bill does not go back on a card.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
The legal time limit after which a creditor may no longer be able to sue over an old debt. It varies by state and country.
Also: steward, stewards
Treating money as something you temporarily manage for past and future generations, not something you simply own and consume.
Introduced in Book 2: Generational Wealth Guide, Chapter 7: Stewardship →
Also: Room 6, Stewardship Room, Stewardship bucket
Room 6: an automatic allocation of at least 5% of every inflow for giving, family education, and legacy projects.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Also: accelerators
Real estate, business ownership, and alternatives added only after the core system is solid, usually 20–30% of net worth at most.
Introduced in Book 2: Generational Wealth Guide, Chapter 12: Strategic Additions →
First mentioned in Book 2: Generational Wealth Guide, Chapter 11: Core Portfolio Investing →
Also: Structures checklist
A score from 0 to 7: the number of "Yes" answers on the Chapter 1 checklist (will, trust, updated beneficiaries, life and disability insurance, liability coverage, a business entity, and powers of attorney).
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
Also: Succession Filter
Filtering decisions through the eyes of future generations. The Succession Filter asks whether your great-grandchildren would thank you or have to clean up after you.
Introduced in Book 2: Generational Wealth Guide, Chapter 8: Succession Thinking →
First mentioned in Book 2: Generational Wealth Guide, Chapter 7: Stewardship →
Also: supply line, Supply Line Attacks
Everything that can be reduced or eliminated, such as subscriptions, dining out, delivery, impulse purchases, and lifestyle upgrades. Cutting them frees money for the attack.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 2: Intelligence Gathering (Recon) →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
A 90-day check, for late starters, of income growth, debt reduction, and investment progress.
Introduced in Book 2: Generational Wealth Guide, Chapter 18: Starting Late in Life →
A hard limit that keeps fixed necessities at or below 50% of take-home pay.
Introduced in Book 2: Generational Wealth Guide, Chapter 4: Restraint →
Also: Survival costs, Survival
True necessities only: housing, food, utilities, insurance, minimum debt payments, and transportation. The Fortress is sized from this number.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
First mentioned in Book 2: Generational Wealth Guide, Chapter 4: Restraint →
A fake job that pays you for tiny online tasks, then asks you to deposit your own money to unlock more work or a withdrawal.
Introduced in Book 3: Bulletproof Online, Chapter 27: Job and task scams →
First mentioned in Book 3: Bulletproof Online, Part III: Smartphone Survival Kit →
Also: tax-alpha
The extra wealth you keep by legally reducing taxes through accounts, timing, entities, and advanced techniques.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
First mentioned in Book 2: Generational Wealth Guide, Chapter 12: Strategic Additions →
Also: Room 3, tax-advantaged accounts
Room 3: accounts with tax-free or tax-deferred growth, such as a 401(k), IRA, Roth IRA, HSA, or 529 plan.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Selling investments at a loss to offset taxable gains, then staying invested.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
Also: Room 4, Quiet Wealth Engine
Room 4: a regular investment account with no contribution limits. It holds most of your long-term index funds once Rooms 2 and 3 are funded.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Also: TFSA, RRSP
Canadian tax-advantaged accounts: the Tax-Free Savings Account and the Registered Retirement Savings Plan.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Three filters before any big decision: does it grow the capital's long-term power, would I do it for my grandchildren, and am I acting from fear, ego, or responsibility?
Introduced in Book 2: Generational Wealth Guide, Chapter 7: Stewardship →
Also: token approvals
Permission you grant a website or a contract to move a token from your wallet later. Revoke means you cancel that permission.
Introduced in Book 3: Bulletproof Online, Chapter 15: Wallet drainers and token approvals →
First mentioned in Book 3: Bulletproof Online, Part II: Crypto Survival Kit →
Also: balance transfer fee
A one-time charge, commonly a few percent of the amount moved, added to the balance when you transfer it.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 8: 0% APR Campaigns →
Also: Treasuries, short-term Treasuries
A set of United States government bonds or bills that mature at staggered dates, giving regular access to cash.
Introduced in Book 2: Generational Wealth Guide, Chapter 9: The Six Rooms Architecture →
Also: triggers
Whatever happens just before an unplanned purchase: a time, place, app, mood, or person.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 3: Know Yourself as a Fighter →
First mentioned in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: Trigger and Countermeasure Log
Drill 12 and Appendix A-7: a 14-day record of every unplanned purchase, its trigger, and the countermeasure you installed.
First mentioned in Book 1: Guerrilla Warfare Against Debt, Chapter 3: Know Yourself as a Fighter →
Also: triple-net
A commercial lease where the tenant pays property taxes, insurance, and maintenance.
Introduced in Book 2: Generational Wealth Guide, Chapter 12: Strategic Additions →
Also: trusts, trustee, successor trustee
A legal arrangement in which a trustee holds assets for beneficiaries under rules you set.
Introduced in Book 2: Generational Wealth Guide, Chapter 8: Succession Thinking →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Chapter 1: Declaration of War →
A second proof at sign-in, after the password. A stronger second proof is an authenticator application, a passkey, or a hardware key. A text-message code is a weak second proof.
First mentioned in Book 3: Bulletproof Online, Bulletproof Online →
Also: umbrella policy, umbrella coverage
Extra liability coverage that sits above your home and auto policies.
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
Also: Useful spending
Book 1's middle spending category: spending that supports work or family stability but could be reduced, such as work clothing or basic maintenance.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 2: Intelligence Gathering (Recon) →
The rules for staying debt-free after the last balance falls, and for handing the NAPALM payment to Book 2's Six Rooms.
First mentioned in Book 1: Guerrilla Warfare Against Debt, Front matter (contents) →
A service that encrypts the connection between your device and a server the company runs, which hides that traffic from people on the same public wireless network. It does not stop you from typing a password into a fake site. A kill switch is a setting on that service that blocks internet access if the secure tunnel drops, so your traffic does not leak in the open.
First mentioned in Book 3: Bulletproof Online, Part I: Internet Survival Kit →
Phishing that arrives as a phone call or voicemail. The name combines voice and phishing.
Introduced in Book 3: Bulletproof Online, Chapter 19: Vishing and cloned voices →
First mentioned in Book 3: Bulletproof Online, Part III: Smartphone Survival Kit →
The United States form for salaried or wage employment, and shorthand for that kind of income.
Introduced in Book 2: Generational Wealth Guide, Chapter 13: Tax Alpha →
Also: 72-Hour Waiting Room
The written list (or Field Kit drill) where items wait out the 72-Hour Rule, with price, reason, and date added.
Introduced in Book 2: Generational Wealth Guide, Chapter 4: Restraint →
First mentioned in Book 2: Generational Wealth Guide, How to Use This Field Manual →
Also: drainer, drainers
A website that tricks you into signing a transaction so it can take cryptocurrency out of your wallet.
Introduced in Book 3: Bulletproof Online, Chapter 15: Wallet drainers and token approvals →
First mentioned in Book 3: Bulletproof Online, Part II: Crypto Survival Kit →
The section at the end of each Book 1 chapter that lists the Appendix worksheets you need.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Drill 5: the signed decision naming your primary payoff method and any supporting tools you allow yourself to use.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 5: Choosing Your Arsenal →
First mentioned in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: Combat Report, Combat Reports
The 20-to-30-minute weekly check-in: update balances, review triggers and close calls, and set one adjustment for the coming week.
Introduced in Book 1: Guerrilla Warfare Against Debt, How to Use This Field Manual →
Also: Weekly Steward Checklist, Steward Checklist
The 15-minute Sunday checklist: tag transactions, practice silence, honor the 72-Hour Rule, take one ownership action, and write one gratitude note.
Introduced in Book 2: Generational Wealth Guide, How to Use This Field Manual →
Your overall interest rate across all debts: total monthly interest cost divided by total debt, times 12.
Introduced in Book 1: Guerrilla Warfare Against Debt, Chapter 2: Intelligence Gathering (Recon) →
Also: pour-over will
A legal document that says who receives your assets and who cares for minor children. A pour-over will moves leftover assets into your trust.
Introduced in Book 2: Generational Wealth Guide, Chapter 1: The Honest Audit →
First mentioned in Book 1: Guerrilla Warfare Against Debt, Chapter 1: Declaration of War →
Also: The Williams Group, Williams Group
Wealth-transition research reported in *Preparing Heirs* (2003), widely cited for the estimate that about 70% of wealthy families lose their wealth by the second generation and 90% by the third.
Introduced in Book 2: Generational Wealth Guide, Why This Manual Exists →
Also: Standing Order
A split you decide in advance for any windfall, such as 70% to the top debt, 20% to the reserve, and 10% personal. You execute it within 48 hours.
First mentioned in Book 1: Guerrilla Warfare Against Debt, Chapter 3: Know Yourself as a Fighter →
An attack that infects a device without you tapping a link, by abusing a flaw in the system. Rare, and the fix is the manufacturer’s update.
Introduced in Book 3: Bulletproof Online, Chapter 23: Zero-click attacks →
