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$6,000 a year can go to the county, Medicare and the utilities, only because nobody filed the form. The programs are real and every one has a form number. The Playbook gives you the form, the office and the exact words to say, for all 50 states.
PRINTABLE PDF · 115 PAGES · UPDATED FOR 2026
Property tax, the monthly bills, Social Security and a separate guide for veterans. Every chapter tells you who may qualify, the exact form, the office that takes it and the words to say. Your state is on one page, and a 30-day plan turns all of it into one task a day.
What you get for $27:
Instant access · Pay once · Yours forever
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Nothing ships, and there is no account to make.
The honest math
Take one senior homeowner on Medicare and a fixed income. The left column is one year where nobody filed the forms. The right is the same year with the Playbook open.
Ch. 1, 3, 11, 12 · 2026 Medicare figures · home value, tax rate, drugs and utilities illustrative
Net savings, per year: $6,688
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Real pages from the real book. This is exactly what opens on your phone at the county office. The type is set big on purpose.
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Reader results
Five households, five states. Each one asked for one form.
I’m 74. I’d paid the same line on my tax bill so many years it never occurred to me to ask whether I had to. Chapter 1 told me which form. The county took it at the counter.
My husband handled every bill in this house for forty-one years. After he passed I didn’t know which office did what. Raymond writes it the way you’d want a neighbor to explain it: this form, this office, say this. I worked down the checklist one line at a time.
Four years in, no combat, no disability rating. I’d have told you straight out that none of it was meant for me. The pension chapter is what made me call the veteran service officer in my county. He didn’t charge me a cent to look.
I rent, so the first seven chapters did nothing for me, and I’d have liked to know that sooner. Chapter 11 did. I called my state’s Medicaid office with the line from the book, and the state now pays my Part B premium.
After my wife died I kept drawing on my own Social Security for three years. Chapter 18 told me to ask whether hers paid more. The woman at the Social Security office checked it while I sat there.
About the author
I am sixty-two and I live outside Columbus, Ohio. A few years after I retired, a neighbor asked me whether I had filed for the homestead exemption. I hadn’t. I had paid the full tax bill on my own house for years without knowing there was a form. That is when I started reading what the county, the state, Social Security and the VA actually publish.
I did not make up any of it. Your county, your state, Social Security, Medicare and the VA wrote these rules, and every chapter names the form and the office that takes it. What I did was gather the ones that pay seniors back, put them in order, and write down the exact words to say when you ask. Many of them I have asked for myself.
What is in it: property tax, the monthly bills, Social Security, and a separate field guide for veterans. What I leave out on purpose: investments, anything that needs a lawyer, and any program your state doesn’t run.
The seniors who saved weren’t smarter. They just knew which form to ask for.
Raymond
PRINTABLE PDF · 115 PAGES · UPDATED FOR 2026
Instant access: the Playbook opens on the very next screen, and the same link is emailed to you. Read on any phone, tablet or computer. Print at the kitchen table if you want. 14-day money-back guarantee, no questions asked.
What you get for $27:
Instant access · Pay once · Yours forever
Common Questions
If you own a home, pay a Medicare premium or fill a prescription, yes. Each chapter opens with who qualifies, so you skip what isn’t yours in a few seconds. For everything that is, I give you the form, the office that takes it, and the exact sentence to say when you call.
Mostly, and I’ll tell you which parts aren’t. The seven property-tax chapters won’t help you. Everything else will: the monthly bills, Medicare, Social Security and the whole VA guide work the same for renters. A number of states also send renters a rebate check, and your state’s page tells you if yours is one of them.
Turn to your state in the State Directory. It takes about a minute. You’ll see each program, the form number, the office and the deadline on one page. The twenty largest states get a full entry. The other thirty are in the quick tables at the back, with enough to know exactly what to ask for.
Not at all. Most of these programs have a starting age and no cutoff, so you save from the day you file, at 72 or at 85. A few states will pay back past years, and each chapter says whether yours does. The only clock that matters is the filing deadline, and I put that up front.
It’s a PDF, and you don’t need to be. After you pay, you tap one button and the whole Playbook opens on your screen. The same link goes to your email, so next week you can open it on your phone from there. If you’d rather work on paper, it prints cleanly at home.
You can’t really lose it. The link stays in your email, so search for my name and tap it again. If that doesn’t work either, write to support@raymond-grant.com and I’ll send you a fresh one.
Fourteen days, no questions asked. Send an email and you get a full refund. The Playbook stays yours either way.
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Write to me here and I answer. Every message comes straight to me.
Last call
$27 once. Instant access. 14-day money-back guarantee. Six parts, every state, the exact form for each.
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