By the time you finish these two volumes:
Learn the twelve Whitmore Rules
The quiet habits wealthy families have kept for generations, from “spend quietly” to “know what enough is”, written down plainly so you can keep them too.
Count it before you spend it
The ledger habit my grandfather kept every evening for fifty years, and the five household numbers that tell you where you really stand.
Find the money that leaks out every month
Where it goes. Why none of it feels like a mistake. And how to keep more of it without feeling poorer.
Keep a reserve and owe nothing you can avoid
How to build the cushion that turns a bad month into an inconvenience, and how to clear debts one at a time.
Build something on the side without quitting your job
You keep your wage. You use the hours you already have. You risk nothing you can’t afford to lose.
Keep what you build
Why fortunes leak, how to say no to lending, salesmen and “sure things”, how to question an adviser, and how to get through the bad years.
Why I wrote it down.
I am seventy-four. For most of my life I have watched how money behaves in the families that keep it, and in the families that lose it.
The difference was almost never income. It was habits: small, quiet, repeated for decades, and rarely said out loud.
Nobody hands you those habits unless you are born into them. So I wrote them down, in plain words, in two volumes.
— Harold
The books are educational guides to habits and manners, not financial advice.
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The advice was never wrong. It was just loud.
Earn more. Spend less. Invest early.
None of it is false. But it is written for everybody, and it skips the part that old families actually teach their own.
Quiet money has always worked the other way round.
First the habits: how you spend, how you speak, what you refuse to show. Then the money. That order decides everything that follows.
Seven rules Harold lives by.
Twelve in the books. Here are seven of them.
Spend quietly.
Money that is shown is usually money that is gone. The families who keep it rarely announce it.
Harold WhitmoreBuy once. Buy well.
Old families keep their coats, cars and furniture for decades. Replacing things is the expensive habit.
Harold WhitmoreOwn something that pays you.
A wage stops the day you stop. Something you own keeps working while you sleep.
Harold WhitmoreNever lend what you can’t give.
Money between family and friends is a gift or a lesson. Decide which before it leaves your hand.
Harold WhitmoreLet others finish talking.
Good manners cost nothing, and they open doors that money alone never will.
Harold WhitmoreCount it before you spend it.
You cannot keep what you never counted. A simple ledger beats a large salary.
Harold WhitmoreTeach before you hand down.
Money left without the lessons rarely lasts a generation. The habits are the real inheritance.
Harold WhitmoreThree ways in.
Choose the edition that fits you.
The First Volume
$27 · one-time payment
- The Whitmore Rules, Volume One
- The core habits of quiet wealth
- Everything you need to get started
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Both Volumes
$47 · one-time payment
- The Whitmore Rules, Volume One
- The Whitmore Rules, Volume Two
- How wealth is kept, not only built
- BONUS: Passing It Down, what old families teach their children
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Best value
The Complete Set
$67 · one-time payment
- The Whitmore Rules, Volume One
- The Whitmore Rules, Volume Two
- BONUS: Passing It Down
- BONUS: The 90-Day Plan, a 13-week workbook
- BONUS: Old-Money Manners, the small habits that open doors
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30-Day Money-Back Guarantee
Read the books and try the habits for 30 days. If they are not for you, write to us within 30 days of your purchase and you receive a full refund.
Common questions
Is it digital or physical?
Digital. Instant PDF the moment your payment goes through: your books arrive by email within a few minutes, ready for your phone, tablet or computer. Nothing ships, nothing to wait for.
I’m over fifty. Is it too late for me?
Harold’s view is that it rarely is. Most of these habits cost nothing to start, and the years you have already lived are an advantage, not an obstacle.
I don’t have money behind me. Is this still for me?
Yes. Nothing in either volume requires money to begin. It is about habits first, and money second.
Is this financial advice?
No. The books are educational guides to everyday money habits and manners. They recommend no investments, no products and no tax structures, and they are not a substitute for a licensed professional.
How long does it take to read?
Volume One is about 20,000 words: one long evening, or a week of short ones. Volume Two is the same length and is built to be returned to rather than read once. The 90-Day Plan is a workbook: twenty minutes a day for thirteen weeks.
What if it isn’t for me?
Write to us within 30 days of your purchase and we refund you in full. No questions asked.
There are two paths from here.
You read them
- You finally see how quiet wealth is built, kept and passed down
- You start building something of your own, in the hours you already have
- Your family starts living by habits that last
You don’t
- You keep working hard and staying exactly where you are
- Another ten years of money leaks out without you noticing
- Your children learn about money the hard way, the way you did
Both paths take a year. Only one of them gives you something for it.
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30-Day Money-Back Guarantee
Read the books and try the habits for 30 days. If they are not for you, write to us within 30 days of your purchase and you receive a full refund.
We keep it simple and risk-free for you.
In other words: if the books are not for you, you get your money back.