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What if I told you that a 1% difference in fees could cost you 10 years of retirement income? What if missing just 10 of the best trading days in the market reduced your returns by 50%? The ultra-wealthy don't just have better information, they make fundamentally different decisions. In this book, I'll give you the same systems they use, the same access they have, allowing you to play the financial game not just to win, but to win the only way that matters: on your terms.
The simplest way to own the stock market is to hold the classic S&P 500 Index fund. But I now recommend a total stock market index fund that includes virtually every stock in the U.S. market. Why? Because it eliminates the risk that the S&P 500—largely composed of giant companies—will falter, while smaller- and mid-sized stocks thrive.
You’re not broke because you’re irresponsible, you’re broke because no one ever taught you what to do with your money. This book will help you take control of your finances, whether you're drowning in student loans, trying to save for your first apartment, or just sick of living paycheck to paycheck. Let’s fix this.
Money can buy freedom. Freedom to work or not. Freedom to explore. Freedom to live life on your terms. The path isn’t complicated: Spend less than you earn, avoid debt, and invest the rest in low-cost index funds. Then wait. The market will rise and fall, but history shows it always climbs. Stay calm, stay the course, and let compounding work its magic. Wealth isn’t about getting rich quick. It’s about getting rich surely.
Do you know Ronald Read? A gas station janitor who quietly saved small sums for decades—and left $8 million to charity. His story isn’t about stock picks; it’s about time, restraint, and ignoring Wall Street’s noise. Money’s greatest paradox: The flashy rarely stay rich, and the boring often thrive. Why? Because finance isn’t math, it’s psychology. And your brain is your biggest asset… or liability.
By Ramit Sethi (Personal finance expert, entrepreneur, founder of GrowthLab)
Most personal finance advice is crap. ‘Cut out lattes’? That won’t make you rich. The real money is in optimizing big wins—your career, investing, and automation. I don’t care if you spend $500/month on shoes if you’ve automated savings and investments. The goal isn’t to save every penny; it’s to spend extravagantly on the things you love and cut costs mercilessly on the things you don’t. That’s how you design a Rich Life.
You must walk to the beat of a different drummer. The same drumbeat that’s pounding ‘You’re a victim’ to everyone else is pounding ‘You’re a loser’ to you. That drumbeat will kill your finances and your relationships. If you want to win with money, you have to live like no one else, so later you can live like no one else. Debt is not a tool; it’s a method to make banks wealthy, not you.
By David Bach (financial expert, founder of FinishRich Media)
Becoming rich requires nothing more than committing and sticking to a systematic savings and investment plan. You don’t need to be cheap. You don’t need to be lucky. You don’t even need a high-paying job. The one thing you must do is make your financial plan automatic. Automate your savings, automate your investing, automate your mortgage payments. Do this, and you will finish rich, it’s mathematically guaranteed.
By Vicki Robin (social activist) and Joe Dominguez (former Wall Street analyst)
Money is something we trade our life energy for. We spend our days doing what we may not enjoy to buy things we may not need. But what if you could step off this treadmill? What if you could live well while spending less, save aggressively, and one day wake up free? Financial independence isn’t about being rich, it’s about owning your life. The question is simple: Are you willing to trade your life for money, or not?
The Slowlane is a fraudulent road trip where the destination is not wealth but mediocrity. You’re duped into believing that a job, 401(k), mutual funds, and frugality will make you wealthy. Meanwhile, the Fastlane is an entrepreneurial superhighway where you build businesses that serve needs, scale exponentially, and detach your time from income. Wealth isn’t about getting lucky—it’s about building systems that print money while you sleep
You will never change your life until you change something you do daily. The secret of your success is found in your daily routine. Successful people aren’t gifted; they just do the things that failures refuse to do. While everyone else is looking for the big hit, quick fix, or overnight miracle, the smart money is on the person playing the long game—the one who understands the Compound Effect is the strategy of the ultra-successful.
You are not your thoughts. You are the thing that observes your thoughts. And until you understand that, you will continue to be dragged through life by your thoughts like a wild horse dragging someone with their foot caught in the stirrup. Your job isn’t to change or fix your thoughts. Your job is to see them for what they are, just thoughts—and then act in spite of the little fuckers.
The way of the Essentialist means living by design, not by default. Instead of making choices reactively, the Essentialist deliberately distinguishes the vital few from the trivial many, eliminates the non-essentials, and then removes obstacles so the essential things have clear, smooth passage. In other words, Essentialism is a disciplined, systematic approach for determining where our highest point of contribution lies, then making execution of those things almost effortless.
By Sun Tzu (Sunzi), a Chinese general, strategist, and philosopher.
If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle.
Deep work is the ability to focus without distraction on a cognitively demanding task. It’s a skill that allows you to quickly master complicated information and produce better results in less time. In short, deep work is like a superpower in our increasingly competitive economy. And yet, most people have lost the ability to go deep, spending their days instead in a frantic blur of email and social media, not even realizing there’s a better way
Tell your heart that the fear of suffering is worse than the suffering itself. And that no heart has ever suffered when it goes in search of its dreams, because every second of the search is a second’s encounter with God and with eternity.
Great leaders think differently. They start with why, their purpose, before explaining how or what. Apple doesn't sell computers; it champions challenging the status quo. The Wright brothers didn't just build planes; they believed humans should fly. People don't buy what you do, they buy why you do it. When organizations lead with their 'why,' they inspire action. Employees work with passion, customers become loyal believers. But most companies communicate backward, focusing first on products (what) rather than purpose (why). True leadership begins when your 'why' is clear. That's how you move people from compliance to commitment.
True courage requires vulnerability, showing up despite uncertainty. Leadership isn't about perfection, but daring to ask: 'What's really happening?' The armor we wear, perfectionism, cynicism, blocks connection and joy. Brown's paradox: You must be vulnerable to be brave. Real leadership sees potential in people and ideas, then nurtures it. It's daily brave work, tough conversations, and wholehearted engagement. As author says: 'You can't get to courage without rumbling with vulnerability.' That's how we lead, not by avoiding fear, but facing it.
What if you could wake up tomorrow and any or every, area of your life was transformed? What would be different? Would you be happier? Healthier? More successful? In better shape? Would you have more energy? Less stress? More money? Better relationships? Which of your problems would be solved? What if I told you that there is a ‘not-so-obvious’ secret that is guaranteed to transform any, or literally every, area of your life, faster than you ever thought possible? It’s true. That secret is changing the way you wake up in the morning. The moment you wake up determines how...
Our potential is one thing. What we do with it is quite another… Grit is about working on something you care about so much that you’re willing to stay loyal to it… It’s doing what you love, but not just falling in love—staying in love.