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ISBN 978-0-9829593-1-2

Contents of this book are intended for informational purposes only and should not be construed as investment advice. Neither the author nor the publisher makes any guarantee or other promise as to any of the results that may be obtained from using strategies described herein, and shall bear no liability in the event that any information, commentary, analysis, opinions, and/or recommendations set forth herein prove to be inaccurate, incomplete, or unreliable, or result in any investment or other losses.

To my wife, without whom I could not have soared.

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Table of Contents


Money needs to be understood by more folks than those who work in finance and economics. I have answered far too many emails from hard working middle class people who are baffled by the information available. This book will provide readers with a guide that can be used when making any financial decision at any stage of their lives.

Step 1: Drift and Conditions

The first step is simple: Learn to relax. This means not panicking. It doesn’t mean burying your cash in a hole in the backyard or betting the farm on what seems like a hot stock tip. Step One will help you to come into a new relationship with your money will and learn how to unlock its potential.

Step 2: Kick Debt Permanently

Step Two will look at the nature of debt. You will have an opportunity to examine the difference between good debt and bad, the effects of your credit rating, how you are rated, as well as some helpful suggestions on repairing problems. By following my clear, results-oriented prescriptions, you’ll be able to find your way back to solvency.

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