T&TTOOLS & TRADESMONEY · FIELD MANUALSFREE PUNCH LIST
COMPANION FIGURES · MASTER · VOL. 3

Full-color figures & MATH boxes from the book

Every chapter’s MATH box and shop-manual figure, in full color — the same diagrams from the volume, sized for the phone in your hand.

FIG 3.1the 0/25/75 Overtime RuleSide Work That Pays Twice
MATH BOXA Saturday work invoice as a schematic: “paid once: the job,” an arrow routing the payment into a gear assembly “paid twice: invested,” output stamped $500/mo × 25 yrs ≈ $405,000.

Illustrative — assumes a 7% average annual return; real returns vary.

FIGUREA pegboard of small repeatable jobs — ceiling fan, EV charger, panel labels — each tagged 2–3×, beside a crossed-out sprawling basement plan tagged “not side work.”
FIG 3.2When You’re the Boss — 1099 and Self-Employed MoneyWhen You’re the Boss — 1099 and Self-Employed Money
MATH BOXA Solo 401(k) drawn as a two-chamber pressure tank: chamber one employee $24,500, chamber two employer ~$14,000, the combined gauge reading ≈$38,500 sheltered per year (2026).
FIGUREThree labeled buckets under a single downspout marked “every payment,” float valves set to 50–60, 25–30, and 15–25.
FIG 3.3Real Estate for People Who Can Actually Fix a RoofReal Estate for People Who Can Actually Fix a Roof
MATH BOXA duplex cutaway blueprint: unit A labeled you, unit B tenant $1,200, a mortgage line $1,800, and a net callout in orange reading “your housing: $600/mo.”
FIGUREA clipboard walkthrough checklist over a duplex elevation — roof, panel, stack, furnace, foundation, windows, grading — each with a checkbox.
FIG 3.4When the Body Breaks — Injury, Comp, and Career ProtectionWhen the Body Breaks — Injury, Comp, and Career Protection
MATH BOXA paycheck drawn as an I-beam sawn at 52%, the missing half ghosted and labeled “the gap $858/wk,” a small harness labeled disability insurance $40–120/mo bridging it.
FIGUREA notes-app page drawn as a bound field log with columns date, task, and what hurts, a hard hat resting on it.
FIG 3.5The Exit — Retiring When YOU DecideThe Exit — Retiring When YOU Decide
MATH BOXA blueprint bridge spanning from a cliff labeled age 55 to one labeled pension 62, its deck built of stacked bills labeled “$350K bridge account.”

Illustrative — assumes a 7% average annual return; real returns vary.

FIGUREA one-page exit sheet pinned to a plan wall with five ruled lines — exit age, pension, Social Security, annual need, bridge — a red target date circled.
FIG 3.6Leave More Than a ToolboxLeave More Than a Toolbox
MATH BOXA jobsite cost-comparison plate: “the document set ~$100–1,500 + one afternoon” as a tidy red binder, versus “skipping it: probate, years, fees” as a tangled court maze.
FIGUREA red three-ring binder drawn as a finished punch list with tabs accounts, policies, contacts, tools, and the letter, and a signed-off inspection stamp.
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