Money Magic
SKU: 11767660104

Money Magic

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Description

Money MagicIncrease your spending power, enhance your standard of living, and achieve financial independence with this "must read" guide to money management (Jane Bryant Quinn). Laurence Kotlikoff, one of our nation's premier personal finance experts and coauthor of the New York Times bestseller Get What's Yours: The Secrets to Maxing Out Your Social Security, harnesses the power of economics and advanced computation to deliver a host of spellbinding but simple

Increase your spending power, enhance your standard of living, and achieve financial independence with this "must-read" guide to money management (Jane Bryant Quinn).

Laurence Kotlikoff, one of our nation's premier personal finance experts and coauthor of the New York Times bestseller Get What's Yours: The Secrets to Maxing Out Your Social Security, harnesses the power of economics and advanced computation to deliver a host of spellbinding but simple money magic tricks that will transform your financial future.Each trick shares a basic ingredient for financial savvy based on economic common sense, not Wall Street snake oil. Money Magic offers a clear path to a richer, happier, and safer financial life. Whether you're making education, career, marriage, lifestyle, housing, investment, retirement, or Social Security decisions, Kotlikoff provides a clear framework for readers of all ages and income levels to learn tricks like:

  • How to choose a career to maximize your lifetime earnings (hint: you may want to consider picking up a plunger instead of a stethoscope).
  • How to buy a superior education on the cheap and graduate debt-free.
  • Why it's smarter to cash out your IRA to pay off your mortgage.
  • Why delaying retirement for two years can reap dividends and how to lower your average lifetime tax bracket.


Money Magic's most powerful act is transforming your financial thinking, explaining not just what to do, but why to do it. Get ready to discover the economics approach to financial planning--the fruit of a century's worth of research by thousands of cloistered economic wizards whose now-accessible collective findings turn conventional financial advice on its head. Kotlikoff uses his soft heart, hard nose, dry wit, and flashing wand to cast a powerful spell, leaving you eager to accomplish what you formerly dreaded: financial planning.

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SKU: 11767660104

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4.2 ★★★★★
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T
The Beauty Chronicles
Chelsea, US
★★★★★ 5
MICRONEEDLING IS MY SKIN’S SECRET WEAPON!!!
Microneedling completely transformed my skin. Of every treatment I have ever tried, this one has made the biggest difference in texture, glow, and overall refinement. After years of paying for appointments, I decided to learn proper technique and invest in a Dr. Pen device for at home use, and I truly have never looked back. Needle Options and Coverage: I typically use a 16 pin cartridge, so I am excited to incorporate the 36 pin into my routine. The wider pin configuration allows for broader coverage, which makes it especially useful for larger areas of the face and even the body. It gives me more versatility in my treatments. Compatibility and Value: It is such a relief to find cartridges that are compatible with my Dr. Pen device right here on Amazon. The price point is very reasonable, especially compared to professional treatment costs. Having reliable, accessible replacements makes maintaining my routine so much easier. Excellent value for the money. Final Thoughts: Convenient, affordable, and a great addition to my microneedling routine… I love having professional level tools within reach… and my skin continues to thank me for it…
WAS THIS REVIEW HELPFUL?YesReportShare
Reviewed in the United States on February 20, 2026
M
Me
Lexington, US
★★★★★ 5
A long, HONEST & detail filled review (with usage tips) from a skincare junkie.
These cartridges arrived super fast (with enough time to spare for a quick face sesh before the holidays!). The lot of 12 was packed in a cellophane/paper bag (the basic, unlabeled sterilization bags) that was sealed shut. The cartridges themselves are all separately packaged (in smaller plastic/paper sterilization bags), each one was properly sealed shut, ensuring sterilization. The individual bags have an illustration of the cartridge and are labeled as “36 NEEDLE” . There are photos of and all the different size needle patterns as well. Each package contains a proper lot #, manufacture date (10/10/25) and expiration date (10/09/2028) along with the info that the disposable tips were sterilized with non-pyrogen EO Gas. Not a single package was damaged or open and all contained the proper cartridge inside. I was VERY happy when I removed one of the cartridges and saw that it (they all) have the protective cap/cover inside the tube/over the needles. Not only is that more sanitary and keeps the needles protected in the event the spring is pushed, but it's also a dead giveaway for spotting bad/bootleg cartridges (as they typically don't come with the cap). While these might not be brand name, they definitely aren't bootleg quality! These are nearly identical to the cartridges I order directly from Dr. Pen. They are the same size and shape, with the color of the plastic tubing being the only slight difference. The 36 needle pattern is legit, with the long row of 10 needles in the center, a row above and below that with 8 needles and the rows on the top and bottom containing 5 needles each. They are perfectly spaced and staggered. The cartridges fit my M7S perfect- nice and snug with no wiggling or looseness. The silicone membrane keeps your pen clean and hygienic and the spring system provides smooth, continuous movement without the needles getting stuck or punching jerky. The needles themselves are very fine and they are nice and sharp. I am extremely sensitive to anything other than medical grade stainless or titanium (I know immediately when I'm using something that's not that!) and I haven't had a single issue with these. Considering 10 brand name cartridges are $40, getting 12 of these that look and function almost identically for $25 is a steal. With no minimum spend for shipping and quick arrival time, I know I'll be buying these again! ⭐️TIPS FOR USING THE 36 NEEDLE CARTRIDGES⭐️ These cartridges are perfect for wrinkles and fine lines, large pores, pigmentation, increasing firmness as well as hydration (after using these, your products sink deep down in the skin- quick. It's great!). *For lines and wrinkles on the face and neck, you want a depth of 1.5 - 2.0mm (with a max of 1.5 for the glabellar lines or the 11's). For wrinkles around the lips, 0.5 - 1.5mm *If you are working on your pores, 0.5 - 1.0mm depth *Uneven pigmentation, 0.5 - 1.5mm depth and 1.0 - 2.0mm depth for sun spots specifically. *For firmer, tighter skin and skin laxity, 1.5 - 2.0mm These are just some general depth guidelines I use with these cartridges. I am not an aesthetician, but I am a total skincare junkie that has been microneedling myself for the past 15 years. As always, do your own research, especially because different areas around the face may require a shallower depth. If you are uncomfortable, then adjust the depth for your comfort. Finally, remember to clean your skin, hands and pen throughly before microneedling and work in a clean environment too. You don't want to introduce any bacteria or germs 2mm down (or even .5mm down) in your dermis. Also, these are single use cartridges and they are very affordable, so don't try to clean and reuse them (that's just asking for trouble!) Instead, toss and replace!
WAS THIS REVIEW HELPFUL?YesReportShare
Reviewed in the United States on December 23, 2025
I
Verified Purchase
Iviana Beauty
Pawtucket, US
★★★★★ 1
No es para Dr Pen M8
No le sirve al Dr Pen M8
WAS THIS REVIEW HELPFUL?YesReportShare
Reviewed in the United States on February 19, 2026
C
Customer review
Phoenix, US
★★★★★ 5
For larger size areas
Top quality with stainless steel material. Using 36 pins which sturdy pins. It fits well on M8 and easy to use. Because of the size it works a bit tougher/ harder providing deeper penetration. Because of the amount of pins these are for larger sized areas leaving this more for moderate to experts to be able to use this efficiently and effectively. Good value for the money
WAS THIS REVIEW HELPFUL?YesReportShare
Reviewed in the United States on January 13, 2026
E
Esbe Hennessy
Los Angeles, US
★★★★★ 5
Works just as well as the OG, but for much less
This is a perfect and less costly way to get microneedling cartridges for my Dr. Pen M8. They fit perfectly and work just as well. They come with all kinds of precautions taken to keep them sterile, which is very important with something meant to reach down into your skin. The pins are just like the originals and honestly I can't feel any difference when using it. There's no need to pay more for name brand when these work just as well. I'm always a bit cautious because so many off brands aren't just cheap in price, but in quality. Not these, they're the real deal. You can save money and get replacement cartridges that will do a great job.
WAS THIS REVIEW HELPFUL?YesReportShare
Reviewed in the United States on December 28, 2025

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