Paychecks and Profits

Are You Ready to Build Wealth?

Did you know that the seeds to building incredible wealth are hidden in your regular paycheck? Most employees have no idea of the economic power that is currently hiding, unused in their benefits packages.

In Paychecks And Profits, author and investor T.R. Smith will show you step-by-step how to leverage your existing employee benefits to minimize your taxes and maximize your wealth.

Inside this easy-to-read book, you will discover:

• Simple steps you can take right away to get the most out of your paycheck

• Changes you can make to your benefits to generate Wall Street-beating profits with little to no risk

• Strategies to increase your profits and lower your tax obligations

• How to maximize your 401(k) benefit

• How to use an IRA to begin building generational wealth

• Secrets to using your Employee Stock Purchase Plan (ESPP)

• The best ways to use your Flexible Spending Account (FSA)

• Ways to generate profits from your Health Savings Account (HSA)

• How to set up your family for success by using 529 College Savings Accounts & Custodial Accounts

This is a savvy investor’s guide to building wealth wherever you’re starting from.

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Home Run Investments

If you want to build generational wealth you need to find some "Home Run Investments." I define a home run investment as a method of investing that will give you an excellent return on your money with little to no risk. When I use the term home run investments, I am generally referring to two different methods of making money. The first method gives you a short-term profit based on the money you contribute. The second method gives you a reduction in taxes that puts money back in your pocket. In both cases, you are building wealth immediately. A 30% profit is a 30% profit, whether it comes from an increase in asset values or a tax savings.

Check out my book (and blog!) to learn more about potential home run investments and other strategies to build tremendous wealth.

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About Us

I started this website to help people build wealth by maximizing employee benefits and reducing taxes - along with many other strategies. I received an MBA from UC Berkeley and I learned a lot about money from this program. However, when I finished school and went back to work, I realized there were some important strategies for investing that almost no one is being taught. I love reading personal finance books but there was a huge category of knowledge that was missing from the bookshelves. I hope to change that with this website and my book.

"T.R. Smith’s Paychecks And Profits offers the reader an easy to understand roadmap to financial security in troubled times. This is what you need to know for accumulating wealth!"

- Rob Black,

Host of “Rob Black & Your Money” Radio Show & Podcast

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Proceed with Caution: This website has been prepared for informational purposes only and is not intended to be used as financial advice. Past performance is not indicative of future results and can change due to changing market conditions and changing economic conditions. I am not a financial advisor and any information given or spoken about is for educational purposes only.

All investing is subject to risk, including the potential loss of the money you invest. All financial and investment opinions expressed through email and phone are based on personal research and experience. Although best efforts are made to ensure that all information is accurate and up to date, errors and misprints may occur. I will not advise you personally concerning the nature, potential, value, or suitability of any particular security, portfolio of securities, transaction, investment strategy or other issues. Be sure to consult your own financial advisor.