There is money with your name on it. And almost no one looks where it really sits.
Twelve real government sources hold money for plain people. Court payouts. Refunds. Lost property. Old pensions. Savings bonds that grew up. This is the system for working all twelve. Where each one is. What it holds. How to claim it. And how to read a notice so you never file a day late.
- Part 1 — Start Here: The Money-Owed Map
- Part 7 — The Twice-a-Year Sweep
- Part 2 — How the Money Ends Up Unclaimed
- Part 3 — Is It Real? The Scam-Proof Rules
- Part 4 — The Source Vault: 12 Places Money Sits
- Part 5 — Proof: Claiming When the Receipts Are Gone
- Part 6 — File It Right, and Actually Get Paid
- The Money Owed Tracker (Excel)
- Quick-Start Sheet (Large Print)
- Open Settlements Supplement
- The 51-State Claims & Unclaimed Property Pack
- Part 1 — Start Here: The Money-Owed Map
- Part 7 — The Twice-a-Year Sweep
- Part 2 — How the Money Ends Up Unclaimed
- Part 3 — Is It Real? The Scam-Proof Rules
- Part 4 — The Source Vault: 12 Places Money Sits
- Part 5 — Proof: Claiming When the Receipts Are Gone
- Part 6 — File It Right, and Actually Get Paid
- The Money Owed Tracker (Excel)
- Quick-Start Sheet (Large Print)
- Open Settlements Supplement
- The 51-State Claims & Unclaimed Property Pack
- Part 1 — Start Here: The Money-Owed Map
- Part 7 — The Twice-a-Year Sweep
- Part 2 — How the Money Ends Up Unclaimed
- Part 3 — Is It Real? The Scam-Proof Rules
- Part 4 — The Source Vault: 12 Places Money Sits
- Part 5 — Proof: Claiming When the Receipts Are Gone
- Part 6 — File It Right, and Actually Get Paid
- The Money Owed Tracker (Excel)
- Quick-Start Sheet (Large Print)
- Open Settlements Supplement
- The 51-State Claims & Unclaimed Property Pack
Claims and cashing rates: FTC staff report, Consumers and Class Actions, 2019. Unclaimed property: NAUPA, FY2025 report.
Right now you might be thinking…
Sound familiar?
Every one of those is covered in here. This was built for people starting from exactly that spot.
By the end of it, you can…
- ✓Find money in 12 real government sources. Most people have checked just one.
- ✓Read any notice the right way. Four dates, and only one is yours. It is not the one most people write down.
- ✓File with no receipts. Most payouts take a signed note instead. Almost no one knows this.
- ✓Never pay a fee to claim your own money. The scam rules, in the FTC’s own words.
- ✓Track each claim in the Excel sheet. It already has all 51 state offices in it.
…and a good deal more.
I WANT IT ALL — $67All 10 parts · instant access↓ Keep scrolling for all 10 parts ↓
If you want to be sure of the answer, these four do that:
1. Start Here: The Money-Owed Map
The whole system on five pages: the twelve official places money sits, the four-date rule on every settlement notice, and the scam test you run before you type anything. Read this one first and you will know which of the rest you actually need.
2. How the Money Ends Up Unclaimed
Three completely different machines send money back to ordinary people — court settlements, regulator refunds, and state unclaimed property — and they behave nothing alike. This part tells you which one you are dealing with, whether you have to do anything at all, and how long it takes.
3. Is It Real? The Scam-Proof Rules
Every legitimate notice carries a case name, a court, and a Claimant ID. Every fake one asks for something. The checks here let you verify a notice in about two minutes, and they rule out the fee-to-search sites that look official and are not.
4. The Source Vault: 12 Places Money Sits
The part people keep. Twelve official government destinations, each verified before publication, each holding a different kind of money — forgotten accounts, uncashed paychecks, deposits, insurance payouts, old pensions, savings bonds. Ordered highest-yield first, so the ones that do not apply cost you nothing to skip.
5. Proof: Claiming When the Receipts Are Gone
The single most common reason people abandon a legitimate claim is thinking “that was four years ago, I have nothing.” In most consumer settlements that does not matter. This part shows what counts as proof, what an attestation covers, and the one folder habit that makes the next claim take two minutes.
If you want it to hold, these do that:
6. File It Right, and Actually Get Paid
A claim that qualifies can still fail on a typo, a missed postmark, or a payment method that never arrived. The walkthrough, then the half nobody discusses: what happens in the months after you file, and exactly what to do when nothing comes.
7. The Twice-a-Year Sweep
Everything in the kit collapses into one routine you run on two dates you already remember. Ordered highest-yield first, so if you get interrupted you have already done the part that matters. About twenty minutes.
8. The Money Owed Tracker (Excel)
One row per claim: what it is, the Claimant ID, the deadline that actually counts, what you filed, and what arrived. It is the difference between claiming once and claiming every time.
9. Quick-Start Sheet (Large Print)
Four large-print pages for someone who wants to start this afternoon and read the rest later. The two rules that matter, and the six searches worth doing first.
10. Open Settlements Supplement
The settlements accepting claims as this edition went out, with who is covered and where to file. A starting point for your first sweep rather than a list to wait on.
Add it up:
You save $208. That is 76% off.
GET INSTANT ACCESS — $67All 10 parts · instant accessFrom people who bought it
Here is what a few have said ↓
“I probably could have found most of this information eventually, but I would have spent days doing it. This organized it into one system and showed me what information mattered.”
“Most of this information technically exists online, but it is spread everywhere. Having it organized in plain English, with links and worksheets, saved me hours.”
“There are so many retirement decisions happening at once. This gave me a step-by-step list rather than another 100-page book telling me everything that could possibly go wrong.”
“What I liked most was that it wasn't just educational. Every section ends with actual steps, questions to ask, documents to find, or numbers to calculate.”
Individual results. Results may vary and are not guaranteed.
The usual hesitations:
If I were owed anything, somebody would have told me”
That is exactly what the first part is for — it starts from zero and tells you the next single thing to do.
Those letters are probably a scam”
Everything is a PDF in large type you can print at home. Nothing to install, nothing to set up.
It will be four dollars and an afternoon of forms”
Then start with the one-page scan. It takes ten minutes and tells you whether the rest is worth your afternoon.
I have moved twice. They would never find me”
Hand it to them. The worksheets are built to be filled in together and the scripts are written to be read out loud.
30 days. You risk nothing.
If it does not help you, email us inside 30 days and we send back every penny. We will not ask you why. We never sell your name or your email.
The practical questions
Is this just a list I could find myself?+
Every source in here is public. You could find them one at a time. The work is knowing which twelve really hold money for people like you. What each one wants before it pays. And how to read a notice so you file in time. That is a system, not a list. And the part that does go stale ships on its own, with a date on it, so you always know how fresh it is.
How often is it updated?+
The open-payouts sheet has a date on the cover, and we refresh it, because payouts open and close all the time. The rest does not go stale, so it does not need updating. Updates cost you nothing.
Is this easy to use?+
Yes. Plain words, big type, and simple lists. Plus a big-print card with the whole routine on it. If you can read a letter and fill in a web form, you can use this.
Does it cost anything to file?+
No. Filing a real claim is always free on the real site. No government program ever charges you to look. If anyone asks for a fee, it is a scam, and the kit shows you why.
Do I need Excel?+
No. The sheet is a bonus, not the product. It all works on paper with the pages you can print. If you do have Excel, Numbers, or free Google Sheets, the sheet opens in all of them.
When do I get it?+
Right away. It shows up on your screen the moment you pay. We email you a copy too.
Do I pay every month?+
No. You pay $67 one time. Nothing repeats. There is nothing to cancel.
Is this legal or tax advice?+
No. It only teaches you. The tax part puts the IRS rules in plain words, so you know what to ask. For more than a small refund, take your papers to a tax pro. Filing a claim is free on the real site, and you always deal with them yourself.
What if I have no receipts?+
Most payouts take a signed note instead of proof. The guide covers which ones, what else counts as proof, and the words to use.
There is money with your name on it. And almost no one looks where it really sits.
- Part 1 — Start Here: The Money-Owed Map
- Part 7 — The Twice-a-Year Sweep
- Part 2 — How the Money Ends Up Unclaimed
- Part 3 — Is It Real? The Scam-Proof Rules
- Part 4 — The Source Vault: 12 Places Money Sits
- Part 5 — Proof: Claiming When the Receipts Are Gone
- Part 6 — File It Right, and Actually Get Paid
- The Money Owed Tracker (Excel)
- Quick-Start Sheet (Large Print)
- Open Settlements Supplement
- The 51-State Claims & Unclaimed Property Pack
- Part 1 — Start Here: The Money-Owed Map
- Part 7 — The Twice-a-Year Sweep
- Part 2 — How the Money Ends Up Unclaimed
- Part 3 — Is It Real? The Scam-Proof Rules
- Part 4 — The Source Vault: 12 Places Money Sits
- Part 5 — Proof: Claiming When the Receipts Are Gone
- Part 6 — File It Right, and Actually Get Paid
- The Money Owed Tracker (Excel)
- Quick-Start Sheet (Large Print)
- Open Settlements Supplement
- The 51-State Claims & Unclaimed Property Pack
- Part 1 — Start Here: The Money-Owed Map
- Part 7 — The Twice-a-Year Sweep
- Part 2 — How the Money Ends Up Unclaimed
- Part 3 — Is It Real? The Scam-Proof Rules
- Part 4 — The Source Vault: 12 Places Money Sits
- Part 5 — Proof: Claiming When the Receipts Are Gone
- Part 6 — File It Right, and Actually Get Paid
- The Money Owed Tracker (Excel)
- Quick-Start Sheet (Large Print)
- Open Settlements Supplement
- The 51-State Claims & Unclaimed Property Pack
Takes about a minute. You will be reading in two.
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RetireShield is independent and is not affiliated with or endorsed by any government agency. Our materials are educational and are not legal, tax, medical, insurance or benefits advice. Results may vary and are not guaranteed. © 2026 RetireShield.