Listen free for 30 days

  • Paycheck to Paycheck

  • How to Go from Broke to a Total Boss in Personal Finance Even If You're Terrified of Numbers
  • Written by: Zac M. Cruz
  • Narrated by: Sean Posvistak
  • Length: 3 hrs and 32 mins

1 credit a month, good for any title to download and keep.
The Plus Catalogue—listen all you want to thousands of Audible Originals, podcasts, and audiobooks.
$14.95 a month plus applicable taxes after 30 day trial. Cancel anytime.
Paycheck to Paycheck cover art

Paycheck to Paycheck

Written by: Zac M. Cruz
Narrated by: Sean Posvistak
Try for $0.00

$14.95 a month after 30 days. Cancel anytime.

Buy Now for $18.74

Buy Now for $18.74

Pay using card ending in
By confirming your purchase, you agree to Audible's Conditions of Use and Amazon's Privacy Notice. Tax where applicable.

Publisher's Summary

Are you okay with not knowing what your financial life will look like in 10 years or more? Does debt make you feel anxious throughout the day and restless when it's time to sleep? Or perhaps you've almost given up and accepted that debt is part of your day-to-day reality? If so, then pay attention....

"If you think nobody cares about you, try missing a couple of payments." (Steven Wright)

The reality is that most of the stress and discomfort that people experience every day is largely caused by money woes. It is estimated that in most Western countries, up to 80 percent of people are tied to some kind of debt. 

Debt can go from being a minor inconvenience to have the potential to ruin lives in a short span of time. It's crucial to know how to navigate it and get out of its vicious cycle as soon as possible.

Most people believe that you are either good at managing your money or you aren't and take this for granted. However, this couldn't be much further from the truth.

In this book, you'll discover:

  • How to get out of all the debt you've accumulated in record time
  • How to effortlessly identify which type of spending is causing you the most damage
  • Learn how to stay on track, even if you make a few slip-ups
  • How to implement the easiest and most effective budget type based on your current needs (even if you totally hate budgeting)
  • And much more

Learning how to escape debt and be in control of your money can be easy if you have the right road map. It's not rocket science, and you'll wonder why you didn't start sooner. It can also have lots of positive benefits that will spill over into multiple areas of your life.

As with anything money-related, time is your best ally. Start making smart decisions and get quickly out of debt today by scrolling up and clicking the "Buy Now" button at the top of this page!

©2020 Zac M. Cruz (P)2020 Zac M. Cruz

What listeners say about Paycheck to Paycheck

Average Customer Ratings

Reviews - Please select the tabs below to change the source of reviews.

No reviews are available
Sort by:
Filter by:
  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Catherine C. Blake
  • Catherine C. Blake
  • 2021-02-09

Very practical guide

This book was very insightful and full of many wonderful tips about how to live a stress-free life that is more happy. It is written in a positive way that leaves me feeling patient and inspired to keep on track. I'm happy I happened to run across this novel, because I think it's going to help me as I begin my journey.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Dorothy H. Tang
  • Dorothy H. Tang
  • 2021-02-09

Highly recommend!

Has helped me manage my spending weekly and monthly! Buying another one for when this one runs out! Definitely recommend!

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Janet A. Norris
  • Janet A. Norris
  • 2021-02-09

Enjoyed this listen

Love how easy it is to keep track of expenses and bills. Keeps me so organized and I actually enjoy it now!

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Emily S. Darley
  • Emily S. Darley
  • 2021-02-09

Practical approach

Love the planner. Very straight forward and easy to use. Bigger than I thought it would be!

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Joy G. Sullivan
  • Joy G. Sullivan
  • 2021-02-09

Effective listen!

Perfect way to stay organized. My husband can look to see what has been paid and see our budget I wrote out.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for William C. Ferguson
  • William C. Ferguson
  • 2021-02-04

Awesome book!

The nice thing about this audiobook is it's narration, which is really smooth and pleasing and helpful in positive thinking instantly.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Christopher K. McVay
  • Christopher K. McVay
  • 2021-02-04

Learned a lot!

I learned some great tips in this listen and hope to put many into action to help simplify life a bit.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Matthew L. Lopp
  • Matthew L. Lopp
  • 2021-02-04

Excellent Book!

I enjoyed listening this book. I especially like the emphasis on taking minimalism one bite at a time and creating peaceful spaces around us. I didn't enjoy all the typos, but they did not stop me from listening.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Desiree K. Conte
  • Desiree K. Conte
  • 2021-02-01

Amazing audible

This book gives you a lot to think about. It's not just about possessions, it about good management with what you have. The book also discusses relationships and things like that. If you don't listen any other part of the book, listen the relationship part

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Alton E. Levy
  • Alton E. Levy
  • 2021-02-01

Awesome book!

Good start in explaining of budget with what i have. A few typos in the book which I would have given 5/5 on if there was none