A small town in the Midwest · Anno MMXXVI First Edition · $27 · rises at the Second From the Front Porch · No. I
Frank DelaneyThe Front Porch

Stop paying bills you do not owe. Leave your family a folder, not a mess.

A $27 plain-language workbook for people over 65 — the exact words for five phone calls that lower your bills, and the papers your family will need one day.

Three phone calls gave me back $145 a month — for asking one question. My friend Earl's call was worth more than my three put together. Frank's Folder is the workbook: the exact words for the five calls, the papers your kids will need one day, and a ledger to keep score of what comes back.

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Frank Delaney at his kitchen table, in his green cardigan, photographs and a wall calendar behind him.
Frank Delaney · at his kitchen table
I.
The drawer

There is a drawer in your house that is costing you money.

You know the one. Where the bills go. Where the letters from the county go. Where the Medicare paperwork goes when you cannot face it on a Tuesday. Here is what I learned after sixty-eight years of paying every bill, in full, on time, no questions asked:

A bill is not a law. A bill is an opening offer.

After sixty-five, the rules underneath those bills quietly change in your favor — reductions, waivers, and exemptions written into county code and federal programs, sitting there with your name on them. They do not mail themselves to you. There is no salesman for not paying. Nobody earns a commission when you stop. The system is not broken. It is just silent. And silence, at our age, is expensive. This folder is the end of the silence — one question at a time.

Ready to end the silence?

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II.
The mathSources named · not promises

What the silence costs, per year.

Every number below comes from the office named next to it, not from me. The folder gives you the exact words for each call.

The bank feemost banks waive the monthly maintenance fee for your Social Security direct deposit — if you ask
$120–$180
The tax preparerIRS-certified volunteers prepare simple returns free for people over sixty
$200–$250
The phone & the heatthe federal Lifeline discount plus state energy help, where income qualifies
$400–$1,500
The Medicare premiumyour state pays the $202.90 monthly Part B premium if you qualify for a Medicare Savings Program
$2,434.80
The property taxsenior exemptions and freezes at the county assessor — application required, deadlines real
$300–$2,000
In play, every year, for five phone calls ~$3,500–$6,300

CMS 2026 Part B premium · AARP Foundation Tax-Aide · IRS TCE · FCC Lifeline · HHS LIHEAP · County assessors · Bank fee schedules, verified June 2026

$58 billion in benefits goes unclaimed by older Americans every year. Not denied — never applied for. — National Council on Aging

You will not qualify for all five. Almost everyone qualifies for at least one — and one is usually enough to pay for this folder many times over, the first year and every year after.

That is real money. Go get it back.

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Frank Delaney · From the Front Porch
❧
Frank's
Folder
The papers, the calls, and the ledger
Bank · Taxes · Phone · Heat
Medicare · Property
❧
First Edition · MMXXVI
III.
Illustrated workbook · large print included · first edition

Not a book you read. A folder you build.

One afternoon at a time. When you are done there is a real manila folder on a shelf your family knows about — and money coming back every month.

I.
The Folder Your Kids Will Open.

Every paper your family would need — the will, the deed, the beneficiary forms, the passwords — why each matters, the mistake to avoid with each, and the three papers that keep the house in the family.

II.
The Five Calls.

Bank, taxes, phone & heat, Medicare, property tax. What each program is, who qualifies, the exact words to say, what to have on the table, what they may say back — and a result page to write down what you got.

III.
The Long List.

Beyond the five: grocery help after sixty, the $80 lifetime parks pass, half-fare transit, unclaimed money in your old states, free legal help, the veterans pension families miss. Every item names its source.

IV.
The Savings Ledger.

Fill-in pages — the bill, what it was, what it is now, who you called. By December you will know your number.

V.
The January Routine.

One call a day, five days, once a year, forever. The master question on one page — where the whole thing started.

What happens when you sit down with it
One afternoon
Build the folder

Part I

Gather the papers your family will need into one manila folder. Coffee, a pen, a shoebox. The hardest part is starting.

Week one
The first easy win

The bank call

Make the easiest of the five calls and cancel a fee you have paid for years. You will feel it on the next statement.

Weeks two to four
Work the calls

The five & the long list

One call at a time — taxes, phone and heat, Medicare, property tax. Write each result in the ledger. The money starts coming back.

Every January
Live the routine

One week a year

Re-ask the master question once a year, because the programs and the income lines move. The folder keeps working for as long as you own the house.

Build your folder this week.

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Frank Delaney, 72, retired shop teacher and mail carrier.
Seventy-two · shop teacher, then eighteen years on a mail route
IV.
Who is telling you this

Margaret kept every receipt for forty years.

I am Frank. Seventy-two years old. I taught shop for eleven years, carried mail for eighteen more, and buried the love of my life four years ago. I live on a pension and what we saved, in the same small house where we raised three kids.

On top of Margaret's receipt box, in her handwriting, was an index card with one rule for dealing with any company, any office, any bill in this house. Three words. “Ask them first.” It took me sixty-eight years and losing her to start listening.

I am not a doctor and I am not a financial advisor. No bank, no insurance company, and no program pays me a nickel. The only thing I sell is this folder — and everything in it can be verified at the offices I name, for free, by you.

— Frank

When you are ready, the folder is here.

Get Frank's Folder — $27 →
Two roads from here

You have two choices, starting today.

The road most people stay on

Keep paying the bills you do not owe

The bank fee, the storefront preparer, the full property tax, the Medicare premium your state might cover — quietly leaving the house every month, and the folder your family will have to assemble in the dark, later, on the worst week of their lives.

The road this folder puts you on

Make the calls. Build the folder. Keep the money.

One afternoon and five phone calls, the exact words provided, the results written down — and a folder on the shelf that answers the questions your kids would otherwise have to guess at.

For less than one month of the bank fee it cancels. Once.
V.
The folder · first edition

Everything in it. One price, once.

Frank's Folder — the complete illustrated workbook, made to print: the papers, the five calls, the long list, the ledger, the routine
The book
The Large-Print Edition — the entire folder, same content, big type; squinting at a PDF about saving money is a bad joke
Included
The “Ask Them First” phone card — the one-pager for beside the telephone, all five questions word for word
Included
Every future edition, forever — the Second Edition is already being researched; when it ships, you simply receive it
Included
When the Second Edition ships$37
You pay today$27
Get Frank's Folder — $27 →

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Checkout is handled by Gumroad, the merchant of record (it processes payment, tax, and refunds under its terms). By continuing you agree to our Terms, Privacy Policy, Refund Policy, and AI Disclosure & Legal Notice. Educational material only — not financial, legal, or tax advice; eligibility for every program varies and is verified with the official office.

Not ready? Get Frank's free phone card.

The five questions, word for word, on one printable page. Join Frank's weekly letter and he sends it straight over — leave any time, one click.

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VI.
Questions people ask before they click

Asked, and answered straight.

I am not good with computers. Can I use this?
Yes. It is a PDF — it opens on anything, and it is designed to be printed. Print it at home or at the library, put it in a real manila folder, and work with a pen. The computer part is over in one minute.
Will these programs work in my state?
The five calls are built on federal programs and near-universal bank and county practices — available in every state. Amounts and income lines vary by state and county, so every chapter tells you exactly which local office to ask and what to say. The folder never guesses; it points.
Is this financial advice?
No. It is a plain-language directory of public programs, the questions to ask, and a place to write down the answers. No investments, no insurance products, no “strategies.” Verify everything with the official offices — the folder names them so you can.
Is the large print really included?
Yes. The full folder, same content, set in large type. No extra charge. If you buy it for a parent, send them that file.
How is this different from free tips online?
Online help is a hundred scattered, half-right tips that contradict each other and send you down rabbit holes. The folder is one organized handbook — every program in one place, sorted by the call to make, each with the steps, the exact words, the income lines, and the office that runs it. No guesswork, and built to print and keep where your family can find it.
What if it is not for me?
Seven days, full refund, no questions. Gumroad handles it automatically — you do not have to argue with anybody. (We are aware of the irony of making you ask. Ask us first.)
Why pay $27 when the videos are free?
The videos stay free, every week. The folder is for sitting down and actually doing it: every program in one place, the exact words, the checklists, the ledger, where your kids can find it. It costs less than one year of the typical bank fee it cancels on the first phone call.
Margaret's rule · three words

“Ask them first.”

There is a particular kind of quiet on the first of the month when the bills come in and you already know there is nothing in the pile that can surprise you. That quiet is worth more than the money.

Get Frank's Folder — $27 →

Or start with Frank's free phone card