Dollars & Sense

THE PHILLIPS METHOD
CHAPTER 1: THE GENESIS OF A FINANCIAL REVOLUTION

“Every block of stone has a statue inside it, and it is the sculptor to discover it.”
– Michelangelo Buonarroti


0.001956947162427
(9X Tier 1)
It pre-existed in the stone.
…1957 to be the day of my birth.
The 9X Multiplier™ rounds up to .001957.
For 51 years, since the morning of my birth, it waited…
For me, apparently….
I was destined to discover it.
This mathematical constant, so central…so powerful, became the central figure of my Method.
The Multiplier™ gives us two things:
Mathematical optimization of Reward over Risk in ANY given scenario
Bank management. Your funds are evenly allocated across your selected Tier™ in an optimal pattern.
The Multiplier’s™ innate power from the proverbial stone becomes immediately self-evident in the following example when dividing the 1st Multiplier™ by your chosen starting point yields the Total Investent you will need for your chosen bets to run 9 interations,
Example:
I am POOR, so I can only afford a $5.00 wager.
My risk profile is set to “SLEEP SOMETIMES! Or 9X, in this example.
We have All memorized my birthday, right!??
(.001957)

You are POOR, remember?
$5.00/.001967 = $2,554.93
This simple division will show you need $2,555.00 to play the entire 9X Method until the $2,555.00 is exhausted after 9 attempts. If, losing twice, simply multiply your 2nd 9X Multiplier by your original balance of $2,555.00 again. Your original Bank by the 2nd Multiplier 0.003913894325.
Or $2,555 X .0039
= $9.96 2nd wager.
So on…so forth…

Now. WHEN you win, your personal wealth is compounding! There are many subtleties in these Multipliers™, which is why they are so powerful.
You will quickly catch on to this simple unprecedented compounding of the Phillips Method™ as we embark on our new journey together.
The Method is like any other investment you are familiar with and is subject to “economies of scale.” This simply means, “the more money you have, the more you have to invest.” The ole, “The rich get richer….get it?
This can present a problem if your Bank exceeds “House” limits. Casinos or any venue or market may limit their exposure.
This merits another demonstration of the final 9X Multiplier™ powerful features in a sequence. Lets look at a brief betting scenario where the “House” sets a bettng limit. Say…$10,000?
Simple again.
Divide you desired betting amount by the last 9X Multiplier™
$10,000/.5009784736
= $19.96
Your highest 1st wager can be no more than $19.96 to run a 9X complete thru to $-0- at $10,000.
This is a lot of counter-intuitive reasoning here, so dont sweat it. We will study to the 9X Tier later in more depth so you become MORE han comfortable with these powerful features.


fits within a comfortable Risk profile for you1st Multiplir
I gave it a special name; “The Multiplier™”
After 4 arduous years of trial & error, epiphany and failure, I finally had a workable algebraic formula that I could use to demonstrate my Method.

(Continue to APPENDIX A
for an in-depth examination of this amazing Constant so central to the Phillips Method and 8ts mazing power.)


Numbers have always spoken to me in a language all their own.

It's a bright Spring morning in Battle Creek as I write this. From my window, I can see the lilacs budding, beginning their annual transformation; not unlike the transformations I've witnessed throughout my 68 years on this planet. Life, like mathematics, is a series of patterns—if you know how to recognize them.

I'm Gary Phillips.
“Hanicara haipi”
which in my native Ho-Chunk (Winnebago) language is,
“Glad to meet you!”
My story doesn't begin with impressive titles or corporate boardrooms, though I've seen my share of both. It begins with a skinny Native American kid from Gresham, Wisconsin (Go Wildcats!) who, at 15 years old, decided to ride a 10-speed Schwinn Super Sport bicycle from San Diego, California to Rehobeth Beach, Delaware. (Hahaaaa…I still remember the model of bicycle!)
That cross-country journey taught me two fundamental lessons that would later form the foundation of THE PHILLIPS METHOD: patience and resilience.

By the time I joined the Marine Corps in 1975 (M.O.S. 4016), I'd already developed an unusual relationship with numbers.
I never used a math book until my second year of Calculus…kinda got caught up at Multi Variable implicit differentiation
While other computer operators focused on the mechanics of the IBM 360 ASCII systems, I was fascinated by the patterns emerging from the COBOL and FORTRAN IV languages I was learning. There was an elegant predictability to it all—a hidden order beneath what appeared to be chaos.
It was magic;
Imagine…all those “clunky-da-clunk” card readers with whirling tape drives and *blinking* lights like a carnival!
Magic.

In 1978, many Veterans, like myself, were taking advantage of their G.I. Bill education benefits to began academic pursuits:
A Certificate and A.S. in Accounting from Naugatuck Valley College in Waterbury CT, business degrees at UW-Baraboo and a B.S. from UW-Madison. Education provided the vocabulary for concepts I'd intuitively understood but couldn't yet articulate. Between classes, I'd find myself scribbling equations like FV=PV(1+r)^n or playing with logarithmic functions like LN(2)=LN(1+r) just for the sheer pleasure of it. My classmates thought I was strange. Maybe I was?

Life took me through various accounting roles—from DuPont analyzing cost structures to the back offices of the Ho-Chunk Casino reconciling general ledgers. Each position offered new insights into how money flows through systems, and how those flows could be predicted under the right conditions.

It was during my time as CFO at Stand Rock Group that I realized I had a gift. When handed nothing but a shoebox full of receipts, I projected a $432,000 expense budget that ended up being within $4,000 of the actual $436,000 spent. That's less than 1% variance—a feat that impressed my colleagues but seemed almost ordinary to me. The patterns were always there; I was just translating them.

2008 was the year everything changed. While most of the financial world was reeling from the market crash, I was experiencing a breakthrough. Late one night, after watching an LPGA tournament on TV (yes, I prefer women's sports—they actually follow the rules), I found myself working with geometric series calculations. Something clicked. The formulas that led to the geometric series formula for my 7X Tier algorithm were born:

(2^0*1^6)/(2^7-1^7) + (2^1*1^5)/(2^7-1^7) + (2^2*1^4)/(2^7-1^7) + (2^3*1^3)/(2^7-1^7) + (2^4*1^2)/(2^7-1^7) + (2^5*1^1)/(2^7-1^7) + (2^6*1^0)/(2^7-1^7) = 1
(7X Tier 4/16/2025)

Most people would see nothing but a jumble of numbers and symbols. I saw the framework for what would become THE PHILLIPS METHOD—a mathematical algorithm designed to minimize risk and maximize returns on high-risk investments like day-trading and sports betting.

When I founded Dollars & Sense Business Services in 2019, I began teaching this method to others. The learning curve was steep for many at first, but the results spoke for themselves. Students who mastered the approach found themselves making more consistent returns in environments where conventional wisdom said consistency was impossible.

I live with my daughter now, peacefully retired, in the house I own. Now, I wake up early every day to refine ny Method further. My five children—two sadly no longer with us, two grown sons, and one grown daughter—have their own lives now. My parents passed long ago. At 68, standing 5 feet,11 inches tall and weighing just 148 pounds, I'm at my U.S.M.C. fighting weight. I was 148 pounds 1975 entering boot camp! I may not the imposing physical presence I once was, but my mind remains sharp, still captivated by the beauty of mathematical certainty in uncertain markets.


And…yes Vegas IS a Market.
A very old, mature and wise $400/year Billion Market.
A market much older than any “Stock” Market!
A REAL market, wouldn't you agree?
A Market with rules, players and mathematical precision!
And stock investing IS gambling…you know that right?
The U.S. Revolutionary Army, under George Washington , found its first funds to go to war by…town lottery,
if that opens your eyes…
Put morality aside. Logic must prevail.
Das ist wahr…
Truth

In the evenings, after the markets close, you might find me watching war movies or, I'm not ashamed to admit, shedding a tear at a good romantic comedy. After all, what good is scientific inquiry without feelings?
But ..I am also the man poring over charts and my maths until 12 midnight if a solution, or Order in the Universe eludes me!

This book isn't just about making money, though that's certainly one practical application. It's about seeing the world differently—recognizing patterns where others see only chaos. It's about understanding that risk isn't something to be feared but something to be calculated and managed. It's about transforming your relationship with probability itself.

In the chapters that follow, I'll walk you through THE PHILLIPS METHOD step by step. I'll share not just the formulas but the thinking behind them—the insights gleaned from decades spent observing financial systems from multiple angles.
My method EVOLVED slowly over 17 years from chicken scratches to algebraic expression to numerous experiments in a proper notation for my new gambit, as I called it back then.
Ahead, I'll make the complex accessible, just as I did when tutoring struggling accounting students or helping low-income families navigate tax regulations as a VISTA volunteer.
I made one important useful observation during this time about myself. That was, while I was not a gifted mathematician, I was a TENACIOUS one!
That is enough.
The worst students often become the best teachers. The worst sinners make the best saints BECAUSE in their underdog struggle for complete understanding, they exceed expectations of those in doubt of their skeptical skillset. Like a Austrian file clerk…or Native American G.E.D. math tutor.

Some readers may approach this material with skepticism. That's natural and healthy. Throughout my career, I've encountered those who doubt what they haven't yet understood.
My Method takes awhile to get your head around.
Don't worry.
The logic, therefore the maths, are counter-intuitive, initially. Im sure you are already wondering …”how can I win taking 2 sides of a bet?” Society and our parents WARNED us about gambling. It was the pathway to the devil!
This is where logic evades us and fear becomes our motivator. It is also is the hardest time for a teacher to be patient.
Pure mathematical reasoning must surplant our fear.
Logic must prevail.
Trust the maths.
If you flip a coin and expect a 50/50 chance of winning, you are correct!
THIS IS the foundation of my Method. You get it?
Your journey to financial domination is begun!
My response to naysayers has always been the same: Beat my maths!
Examine the evidence and draw your own conclusions.
It's your funeral…I've done more work than you can even imagine!

What I can promise is this: THE PHILLIPS METHOD isn't some get-rich-quick scheme. It's a disciplined, mathematical approach to decision-making that requires study, practice, and patience. But for those willing to invest the time to truly understand it, the rewards can be substantial and lasting.

Are you ready to see the world through new eyes? To recognize the patterns that have been hiding in plain sight all along? If so, turn the page. Your journey into THE PHILLIPS METHOD begins now.

[email protected]
https://lose-win.com
Battle Creek, Michigan