Launch price · €19 for the first 50 readers · then €29
9-5 Fastlane
Ten modules, ten prompts, one personal AI wealth agent that knows your salary, your country and your numbers. Without starting a business, without becoming a finance nerd and without living like a monk.
Written by Nikita Balanov. Fifteen years on a payslip, a seven-figure portfolio, no company sold and no inheritance.
Ten modules · ten prompts
9-5 Fastlane
Turn the career you already have into a wealth-building machine.
Nikita Balanov
Would you rather look rich or be free?
Almost everyone says free. And then spends the next ten years working on entirely the wrong thing.
They read about index funds. They compare two brokers for a month. They cancel a subscription and put €200 a month into an account that is not going to change their life in any decade they are alive for.
Meanwhile the number that would actually change everything, what they get paid and how they get paid it, sits there completely untouched. Nobody ever mentioned it was a variable.
I know, because that was me for about five years.
The rule the whole thing runs on
Chase the five decisions worth €50,000. Ignore the fifty worth €5.
Cancelling a streaming service saves you €120 a year. Moving to a market where your existing skill is priced properly is worth €40,000 a year, every year, for the rest of your career. Both take one afternoon. Guess which one people actually do.
The promise
What I am actually promising
Not three hundred pages of financial information. You can get that free, in four seconds and it has not worked yet.
I will show you how to turn the career you already have into a wealth-building machine. Even if you are not an entrepreneur, do not understand finance and are not willing to live like a monk.
Ten prompts. Every one produces a document built around your own numbers, so you finish owning a system rather than a book you have read.
There is no section where I tell you to stop buying coffee. No budget spreadsheet with forty-one line items. If you earn €80,000 and somehow have €300 left at the end of the month, you are probably just missing a system.
What a module actually ends with
This is Prompt 1, in full
Not a sample, not a teaser. The real one from Module 1, exactly as it appears in the book.
Act as my personal AI wealth agent. I am providing 7 baseline financial figures and 2 qualitative goals. Here are my details: 1. Monthly net income landing in my bank: [insert €] 2. Monthly total spending: [insert €] 3. Current total invested capital: [insert €] 4. Total money invested last month: [insert €] 5. Annual gross salary contract: [insert €] 6. Emergency liquid cash reserve: [insert €] 7. Total consumer debt, excluding mortgage: [insert €] My biggest obstacle right now: [insert text] What I actually want money for: [insert text] Generate a clean, structured Markdown document titled "01_Baseline_Snapshot.md". Include: - A summary table of all 7 baseline figures. - My current monthly savings rate. - A 3-sentence summary naming my primary financial vulnerability and my immediate point of leverage. Keep it direct and objective. Do not congratulate me and do not soften the numbers.
Nine more like it. Each one produces a document. By Module 10 you have ten of them in one folder, and that folder knows your salary, your country, your ceiling and your target.
The last line matters more than it looks. Left alone, a model will tell you that you are doing great. That is worth nothing to somebody trying to find out what is actually wrong.
The received wisdom
Eleven things you have probably been told
Most of what people believe about building wealth on a salary is either wrong or right for somebody else's situation. Each one gets taken apart properly in the book.
If more than three of those sounded reasonable to you, this book is going to be worth your time.
The 9-5 wealth system
The route
Ten modules, ten prompts, about five hours of actual work.
- Step 01Know your numberYour baseline and your biggest lever
- Step 02Build your earning engineWhat your seat can realistically pay
- Step 03Get paid for your valueTurn performance into compensation
- Step 04Keep moreThe gap between what you cost and what you keep
- Step 05Build the money machineAutomatic and survivable
- Step 06Invest without becoming a nerdRules before products
- Step 07Define your Freedom LifeWhat all of it is actually for
- Step 08Build the ten-year planOne page, one date, ninety days
The commitment
How long this takes
About five hours of actual work, spread over six weeks.
The 80% rule
Do 80% of this badly and you get almost all of the result. Wait until you can do 100% properly and you get none of it.
Inside
Contents
- Module 1Know your numberYou get: Baseline Snapshot
- Module 2Find your biggest leverYou get: Lever Analysis
- Module 3Build your earning engineYou get: Career Ceiling Audit
- Module 4Build your €10k raise planYou get: Upside Roadmap
- Module 5Get paid for your valueYou get: Compensation Business Case
- Module 6Keep more of itYou get: Tax Structure Prep
- Module 7Build the money machineYou get: Payday Automation
- Module 8Invest without becoming a nerdYou get: Investment Policy Statement
- Module 9Define your Freedom LifeYou get: Freedom Targets
- Module 10Build the ten-year planYou get: Master Execution Plan
- RulesThe seven rulesIf you remember nothing else
- AThe document set, and every scriptYour ten outputs, and every script
- BReference tablesCompounding, savings rate, freedom number
- CQuestion banksCareer, accountant, investment
First 50 readers only
9-5 Fastlane
- Ten modules and ten ready-to-run prompts
- Ten documents your agent generates, plus every script
- Reference tables: compounding, savings rate, freedom number
- Question banks for career, accountant and investments
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After you read it
The book is the roadmap. The community is where you execute it.
Buy the book and your first month of 9-5 Fastlane is free. That is where you ask about your specific comp plan, your country and your situation and get an answer usually the same day.
Receipts
Who wrote this
Nikita Balanov. Fifteen years in sales, from knocking on doors in a town of two thousand people in South Estonia to enterprise software. Best year was €243,000 against a base salary of €50,000. Today a seven-figure portfolio that pays a five-figure monthly income.
No inheritance. No company sold. No exit, no options windfall, no crypto. A payslip and about five decisions.
Verifiable: the career is public and dated on LinkedIn, both companies are on the Estonian business register, the numbers come from real payslips.
Questions
Frequently asked
Is this another three hundred pages of financial information?+
No. You can get financial information free, in four seconds and it has not worked yet. This is ten modules and ten prompts. You run each one, it produces a document built around your own numbers, and by the end you own a financial operating system rather than a book you have read.
I do not earn much. Is it still for me?+
Four of the five levers in the book are about your income and how you are paid. Only one is about investing. If you are earning near the floor, this is the order of operations that actually applies to you.
Do I need to start a business?+
No. The whole book is written for people on a payslip. One chapter covers how you get paid structurally and it tells you honestly when it is worth it and when it is not.
Which country does it apply to?+
The principles apply everywhere, the numbers do not. Rules differ by country and by person and Week 4 says so repeatedly and loudly. The calculator on this site handles twenty two countries if you want your own figures.
Is this financial advice?+
No. I am not a licensed financial adviser, accountant or tax adviser. It is a description of what one person did, in one country, under one set of rules. Take your situation to somebody qualified where you live.
Five hours of work. Ten years of difference.
You are going to be ten years older either way. The only question is whether the structure around your salary changed in the meantime.
Get the book for €19The boring legal bit, which unfortunately is not optional. I am not a licensed financial adviser, accountant or tax adviser and nothing in this book is financial, investment, tax or legal advice. Investments carry risk, including losing money. Every projection is illustrative and assumes returns that no real portfolio delivers smoothly. Before you act on anything, take your own situation to somebody qualified where you live.