Guest Appearance on Change Your Story, Change Your Life Podcast with Louis Di Bianco

Change Your Story

Thanks to Louis Di Bianco for having me on his show, Change Your Story, Change Your Life. Louis has enjoyed a great life as both actor and voice actor. He believes in the power of story and how sharing our own life stories can create power and breakthrough for others.

Louis grew up in the Bronx, a world full of gangs, but never became part of that world. It was all around him. He witnessed it and even connected with a few of its members. But for Louis, another world was calling. A world of education and storytelling. Louis survived the gang world and streets by becoming a storyteller. Louis was a great host and I’m honored to have been a guest on his show.

Episode 170: Millionaire Choices (iTunes)

Episode 170: Millionaire Choices (Web)

Guest Appearance on Living with Money Podcast

Living wtih Money

Thanks to Tim Mullooly for having me on his show, Living with Money. Tim and Tom started the Living with Money Podcast in 2018. It is a fantastic show and boasts many successful and knowledgeable guests from the financial and business world like Ali Gray and Jessica Venables of Your Best You.

Tim lives in New Jersey where he and his siblings are continuing to help people with their money and investments through the financial advisory and investment business his father Tom started 2002.

Episode 55: Tony Bradshaw, The Millionaire Choice (iTunes)

Episode 55: Tony Bradshaw, The Millionaire Choice (Web)

 

 

Money and Faith

I had an interesting conversation with a friend that is helping me promote my new book The Millionaire Choice: Millionaire or Not. You Can Choose. When I settled on the title for my book, I knew there would be people who loved it and people who, well, didn’t like it. Money is a sensitive topic for people, so a book about a controversial topic like building wealth to become a millionaire is naturally a bit controversial. I confess. It’s one reason why I love the title.

Let’s face, if given a choice, do we want to live in a world filled with wealthy people or a world filled with people in poverty? It seems like a pretty simple question to answer, but if it is, why is the topic of building wealth so taboo in some circles?

As I pondered that question myself, I realized something about people and wealth. A large number of people have a warped view about wealth. They believe two things about wealth. One, I’ll never be wealthy, and two, wealth and wealthy people are bad. I’m scratching my head. Both of these viewpoints on wealth are dead wrong. Let’s explore them.

I’ll never be wealthy. Actually, if you keep thinking like that, you won’t become wealthy. Anyone who thinks like this won’t. To become wealthy, you need to take certain actions.  First, you need to start learning about money. Learn how to make it. Learn what to do with it once you make it. Learn how not to waste it. Learn how to multiply it through investments, real estate, and more. Anyone can do it. It’s a repeatable process. You just need to do the process. It’s why I wrote The Millionaire Choice. To show people the process.

Wealth and wealthy people are bad. Seriously? Who taught you this? Where did the idea come from? Sure there are some real scoundrels who have lots of money. I can name quite a few, but for all the bad people with wealth, there are some really good ones. Isn’t it the same no matter what walk of life people are in? Poor people, middle class, and upper class. There are good people and bad, and it’s a wonderful thing that majority of people are good. Don’t let a few rich bad eggs ruin your view of wealth and becoming wealthy.

Money is a neutral thing no matter what amount. A small pile of money is no more or less evil than a big pile of money. Money is not “evil.” Gold is not “evil.” Many people fall prey to the common misquote of “money is the root of all evil.” The official quote is “For the love of money is a root of all kinds of evil.”, and it comes from the Bible in 1 Timothy 6:10. I totally agree with this statement. It goes hand in hand with the wise proverb “absolute power corrupts absolutely”, but we’ll save that conversation for another day. Money is not evil, and large sums of money are not evil.

It’s been said that money just makes you more of what you really are. If you’re a jerk and scoundrel with a little money, you’ll be a bigger jerk and scoundrel when you’re rich.

So why do people in certain groups get so hung up when we start talking about becoming wealthy, how to become wealthy, studying money, or aspiring to become a millionaire? Well, I believe there is a lot of confusion in these groups. More specifically, the Christian groups that I grew up in. Wealth and aspiring to build wealth is frowned upon, and sadly for those that have developed some level of wealth, life in those circles can be difficult.

But let’s explore wealth in the Bible for just a moment by taking some very prominent figures and statements made about their wealth.

Abraham, Isaac, and Jacob

Genesis 24:10
“And the servant took ten camels of the camels of his master, and departed; for all the goods of his master were in his hand: and he arose, and went to Mesopotamia, unto the city of Nahor.”

Let’s put this verse in perspective. Today, cars are the primary mode of transportation. In Abraham’s day, camels. Abraham’s servant took 10 camels of his masters camels. That means he had even more camels. Cars. Camels. Do you know anyone with 10 cars and more parked in the garage? Abraham was a wealthy dude. There are lots of other references to his gold, silver, sheep and other holdings.

Genesis 26: 13-14
“The man [Isaac] became rich, and his wealth continued to grow until he became very wealthy. He had so many flocks and herds and servants that the Philistines envied him.”

Isaac was a wealthy dude and apparently, he built his wealth over time.

Genesis 30:43
As a result, Jacob became very wealthy, with large flocks of sheep and goats, female and male servants, and many camels and donkeys.

Jacob was a wealthy dude. Runs in the family, but Jacob didn’t get rich off Daddy’s money. In fact, Jacob hadn’t even seen his dad in many years when the Bible says he became wealthy.

King David
David was wealthy. Extremely.

1 Chronicles 22:14
“Indeed I have taken much trouble to prepare for the house of the Lord one hundred thousand talents of gold and one million talents of silver, and bronze and iron beyond measure, for it is so abundant. I have prepared timber and stone also, and you may add to them.”

In perspective, that’s 3,300 tons of gold, and 33,000 tons of silver. By comparison, the United States has 6,500 tons of gold at Fort Knox. By today’s standards, David had about $137 billion in gold, and almost $15 billion in silver. Not bad for the guy after God’s own heart.

King Solomon
I love this one. It dispels all the negative wealth myths.

1 Kings 3:12-13
“Behold, I (God) have done according to thy words: lo, I have given thee a wise and an understanding heart; so that there was none like thee before thee, neither after thee shall any arise like unto thee.

And I have also given thee that which thou hast not asked, both riches, and honour: so that there shall not be any among the kings like unto thee all thy days.”

In this verse, it is God that decided to make Solomon rich. And everyone said, “Whaaaaat?” Seriously, this should put the discussion totally to rest. Wealth is not bad. Having wealth is not bad. It’s what you do with it and how you live your life that matters.

Don’t believe me? Well take a look at Jesus’ usage of money as he talked about servants and talents in Matthew 25:14-30. Why would Jesus use an example of rewarding someone who managed money well and multiplied it while punishing someone who mismanaged their money and punished them? It really makes you think.

So here’s some food for thought to all my friends in the Christian circles. What is wealth for? That answer is simple. Enjoy life. Help others. Serve God. Money isn’t evil. Wealth isn’t evil. In fact, an argument could be made that if you don’t build wealth, you’re probably not stewarding your life or your resources properly. How so? Well, wealth is a natural byproduct of hard work, knowledge and wisdom. If you don’t end up wealthy during your lifetime, it’s may just be because you didn’t steward your resources and life as well as you should have. Just maybe.

The Millionaire Choice Update

Its been an fun couple of weeks. Last week we tried out some ads on Salem Radio Networks, placed an ad in The Nashville Scene and ran an ad in their email newsletter. I’ve included the ads here, so let me know what you think about them. We may run them again soon.
 
As we’re spinning up publicity on The Millionaire Choice, I’m having a lot of fun talking to people about money, my story and the book. Its obvious how much people need and want financial education to help them build a better financial future for themselves and their families. I’ve been blessed by how excited people are to listen.
 
Hopefully together we can all make a dent in this huge problem of money struggles. It doesn’t matter if you are in poverty, middle class, or upper income people at all level struggle with money. On the flip side, it doesn’t matter where you are, everyone has the choice to become a millionaire. And why do you build wealth? To enjoy life and help others in need. So why not make the choice? Make your choice to become a millionaire. Get your copy of The Millionaire Choice today.
Ads featured in the Nashville Scene. Print (left), email (right)

Why Do You Build Wealth and Become a Millionaire?

Are you working? Why do you work? Do you have a goal? Seriously, what drives you? Why do you get up, get dressed, and head out to work every day? What’s your goal? What’s your purpose?

If you’re going to spend your life working, you might as well have a goal and a purpose for your money. I started working with my parents around age 10 . My dad was a carpenter. When I worked with him I got to sweep floors, carry wood, and occasionally step on a nail (which wasn’t part of the job, but it happened more often than I’d like). My goals were pretty simple. Buy more toys.

When I wasn’t busy on a job site with my dad, you might find me with my mom at the convenient store(s) she managed. My convenient store life usually included facing and stocking product shelves and the refreshments cooler as long as I kept my hands off the beer. I wasn’t old enough to face and stock the alcoholic beverages. As I got a bit older, my job moved outside to sweep the parking lot (hated it), concrete (hated it), paint the curbs (hated it), and pull the weeds (hated it). Don’t laugh. If you had to pull those thorny weeds that stuck you every time, you’d hate the job too. Yes, gloves would have helped, but they don’t work well when you leave them at home. Honestly, it was the worst job I’ve ever had, but at least I got to buy more stuff and save for a car when I would eventually turn sixteen.

As I got older I found myself working in grocery stores, shipping docks, manufacturing assembly lines, engineering departments, technology departments, and eventually as a corporate executive.

Throughout my early working life, I worked for things I wanted and things I needed. Along the way to becoming a millionaire, something changed. I began working for others. Sure, I still work for things I want and things I need, but now there’s another element. Others. When you build wealth and have a little excess, you’re more equipped to help people in need.

So I ask, “Why do you build wealth and become a millionaire?” My answer is simple. I build wealth to enjoy life and help people in need.

I recently came across this statistic in an article by *Robert Frank from CNBC, and it totally shocked me.

“More than 80 percent of those worth $25 million or more give at least $10,000 a year to charity, and 21 percent give more than $100,000 a year to charity.“*

At first blush, the article is written in a very “positive language”, but these stats aren’t very positive in my opinion. Let’s look at it another way and break it down into pieces. Piece number 1.

Over 80 percent of people worth $25 million or more are only giving $10,000 or more a year to charity.

$10,000, really? That’s the low bar? Then there’s this. If 80% is the high number, that still leaves 20%. What are those people doing?

20% of people worth $25 million are giving less than $10,000 a year to charity.

Pardon me, but WTH? Seriously? You have a $25 million net worth and you give less than $10,000 a year to help people in need?

Okay, now it’s time for piece number 2. In Robert’s words…

“21 percent of people worth $25 million or more give more than $100,000 a year to charity.” – Robert Frank, CNBC

Let’s write it up this way.

Only 21 percent of people worth $25 million or more give over  $100,000 a year to charity.

Now I agree $100,000 a year is a lot of money, and it sounds very “generous”. That is until you realize that people with over $25 million net worth are generating millions per year off their investments. You can very safely assume they are getting at least 5-7% off their investments. In many cases, much more. At 5%, that’s at least $1,250,000 a year income. The statistic is pitiful. Just pitiful.

I’m sure there are some very generous people in the mix that are quite generous, but the overall number is well below where it should be for serious altruistic giving, helping people in need, and changing the world.

Robert provides a another valuable statistic in his article, just how many people are worth $25 million or more in the United States? The answer, “there are now 142,000 households worth $25 million or more” according to Robert. From the numbers, we know that means roughly 29,000 households gave $100,000 or more to charity, and since 20% gave less than $10,000 to charity, we know that’s roughly 28,400. Interesting how the upper end of the scale and the lower end of the scale are virtually equal. 20% of the “Ultra High Net Worth” people are pretty generous, and 20% are well…grinches. Being just 11 days before Christmas, I had to work that in.

So I ask again, “Why do you build wealth and become a millionaire?” Keep this purpose in mind as you’re building your own wealth, and don’t disappoint me. Enjoy life and help others in need.

Want to Make More Money? Learn Something New.

Way too many people are stuck. Stuck in life. Stuck in their job. Stuck at their current income level. If you want to get unstuck, learn something new. If you want your income to go up, learn something new, but make it something that is useful. Learning how to crochet probably won’t help you boost your income very much, so pick something else.

Since my new book The Millionaire Choice: Millionaire or Not. You Can Choose.came out, I’ve been talking to a lot more people about money. While I believe anyone can become a millionaire, it’s a lot easier when you can throw more money at it.

Invariably as we begin discussing how to build wealth and become a millionaire, the topic of “boosting your income” comes up. Always. It’s Millionaire Key #9 in the book. While there are tons of ways to increase your income, many of us overlook the obvious one, learn something new, and that’s one of the reasons over 70% of Americans are stuck living paycheck to paycheck. We stop learning new things.

My Learning Journey

I consider myself fortunate as I was a curious kid from the start. Mom used to tell me about how I dismantled the back of the washing machine when I was three. Although I’m pretty sure she exaggerated the story a bit. However, it’s easy to see that as a kid, I enjoyed learning new things. My mother’s job as a convenient store manager provided a learning opportunity outside the tradition school system.

Trapped at the convenient store after a long day at school, I entertained myself by reading the various publications on the magazine rack. It’s where I learned how to bass fish and put together hot rods. Very quickly, I became the best teenage fisherman in the neighborhood, and shortly afterwards, purchased and rebuilt the engine in my own car. Not bad for a 13 to 15 year old.

After college, the learning trend continued. I landed a job as a manufacturing engineer, but that required me to use a computer. Unfortunately, my computer knowledge was extremely limited at the time. I resorted to my old ways of magazines and books to learn what I needed about computers. Within six months, the president of the company began asking me to spec computers for the engineering department, work on the computer network, and various other tasks. Who knew a few books and magazines could increase your value in an organization? Hmmm.

At 25, I realized my lack of financial knowledge. I was ignorant about money. I blew my first year’s income and found myself $16,000 in debt. I needed to educate myself about money. After 90 days of learning about money, investing, retirement planning, etc., I began my journey towards becoming a millionaire.

During the internet boom, I became fascinated with data manipulation on the web. Resources were limited as it was a new technology during that time. Again, the bookstore for magazines and books played a role. Once again, I learned. Within three years, I switched careers to become an internet developer building online applications and business, and ecommerce apps.

Within six months of arriving on my new job, leadership opportunities started popping up. I knew very little about leadership. I had a little bit of raw talent, but it was just enough to get noticed. However, I recognized the opportunity and once again began learning about leadership through books, magazines and a few other resources which included a class an a mentor.

After that came online marketing, more leadership, strategic planning, executive leadership, more technology, etc. At each point, I learned something new and my income followed suit. More knowledge. More money. The more I learned and applied what I learned to my career and life, the more my income increased. Funny how that works.

Learning new things helped take me from being a green college graduate to a high income earning top executive of a very successful mid-size company. It helped me become a millionaire.

Did you know the average American watches over 120 hrs of TV per month? No wonder over 70% of us are living paycheck to paycheck.

If you want to make more money, turn off the TV. Turn off the games. Turn off whatever it is that is keeping your from learning something new. Boost your income.

Special Deal on The Millionaire Choice: Buy 1 Get 1 Autographed FREE!

 

buy one get oneBuy 1, Get 1 Autographed FREE!

Buy a copy of The Millionaire Choice during it’s launch in the month of November, and get a 2nd copy Autographed FREE!

Simply buy a copy of The Millionaire Choice anywhere books are sold then send us a picture of the receipt along with your name, address and phone number and we will send you an autographed copy of The Millionaire Choice, FREE!

(Offer valid while supplies last)
Available at…

 

It’s Book Launch Day for The Millionaire Choice!

president founderAfter working on The Millionaire Choice for over a year, it’s finally here! I’m so excited! The Millionaire Choice launches in bookstores today!

Although the book is publicly releasing today, quite a few people have already been able to read advance copies, and the reviews have been good. I’m excited about the impact The Millionaire Choice is already making in people’s lives, and this is just the beginning!

Special thanks to everyone who has supported me during this journey. I couldn’t have done it without you!

Now, it is time for the real work to begin. After 20 years of studying personal finance and working in the industry, I realized something while writing The Millionaire Choice. We’re barely scratching the surface in helping people figure out their finances. If we really want to make a difference and change the statistics, it is going to take all of us working together to share the message of hope and financial knowledge.

the fishRecently, I shared my story and vision for The Millionaire Choice on 94.1 The Fish podcast in Nashville, TN with Doug Griffin, a long time radio personality in the Nashville area. After listening to Doug on the radio for 20+ years, I thoroughly enjoyed meeting him and being on the show, but more than that, I enjoyed seeing the shine in people’s eyes as they began learning more about The Millionaire Choice and what it means to their lives.

Anything is possible when you make the right choices.

The Millionaire Choice was written to inspire and equip people to become millionaires. No, that’s not hype. With the right knowledge, resources and choices, almost anyone in America can become a millionaire.

You learn a lot bad financial habits growing up in a family that mismanages money. Fortunately, you don’t have to repeat the same mistakes. At 25, my financial habits gave me a wake up call, and I made a choice, the choice to become a millionaire.

In The Millionaire Choice, I share my story of growing up in a financially messy home, my financial wake up call at age 25 and the life and financial principles I used to change my life and become a millionaire.

At the heart of these principles are what I call the Ten Keys of the Millionaire. It is these key principles that empowered myself and my family to break free from generations of financial mismanagement, stress and struggles.

The Millionaire Choice is a guide for making the right financial choices to become a millionaire. In The Millionaire Choice, you will learn to develop your own personal millionaire plan. Millionaire or Not. You Can Choose. Read More.

Now available at Amazon, Barnes and Noble, Books A Million, Target, Wal-Mart, and wherever books are sold!

buy one get oneBuy 1, Get 1 FREE!

Buy a copy of The Millionaire Choice during it’s launch in the month of November, and get a 2nd copy Autographed FREE!

Simply buy a copy of The Millionaire Choice anywhere books are sold then send us a picture of the receipt to info@themillionairechoice.comalong with your name, address and phone number and we will send you a free autographed copy of The Millionaire Choice, FREE! (Offer limited while supplies last)

 

 

email mitchellWhat People are Saying

Reviews are coming in for The Millionaire Choice, and the response has been amazing.

“Tony has a gift for breaking down wealth building into a clear and actionable plan. The Millionaire Choice: Millionaire Or Not. You Can Choose. tackles both the numbers and the human behavior required to reach seven-figure net worth. He provides great advice in a highly personable writing style.”
JOHN MITCHELL
COO, GROOVE RINGS

Read More Reviews

 

 

Outdoor Portrait Of Multi-Ethnic CrowdShare The Millionaire Choice with a Friend

We all do better in life when we share what we know and what we are learning. Tell a friend about The Millionaire Choice. Change their life. Start your millionaire journey together.

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The Countdown Continues: Book Launch

The Event

This past Thursday night on November 2nd at Knowledge Academies in Antioch, a suburb of Nashville, TN, I held my first ever book launch event, the launch event for my upcoming book, The Millionaire Choice. The night was a bit rainy, but that didn’t keep people away.

Needless to say I have a lot to learn about marketing and launching books, but we still had a lot of fun at the event. From food to giveaways, we had a great evening.

We started out the evening with a bit of food including the traditional chilled shrimp, cheese and smoked salmon on crackers followed up with sandwich rolls, cheesecake, and keylime pie.

After the arrival mixer, we moved on to the preliminary program which included Art Fuller, Founder and President of Knowledge Academies, talking about some of the innovative and entrepreneurial work they are doing in the community and school. You don’t often associate innovation and entrepreneurship with schools, but that’s what Art is doing through Knowledge Academies to affect the community and equip the kids to be more successful in life. It’s one of the reasons he chose to use The Millionaire Choice as the foundation for his students financial education.

Then it was my turn in front of the audience. It doesn’t matter how many times I’m in front of a audience, I still get a bit nervous. For 20-30 minutes, I walked the audience through The Millionaire Choice and the Ten Keys of the Millionaire, the life and financial principles that helped me become a millionaire by age 40. I was delighted by the audience’s response to my material. No matter how hard you work on a product, it’s the audience and customers response that tells you if you’ve done a good job. Fortunately, I got a great response at my book launch.

I grew up in a lower income family, and on the evening of my book launch event, I was able to speak to lower income families. The hope that I saw in their eyes and smiles has made the last year an half I’ve spent working on the book worth it. I’m looking forward to seeing many more people gain a hope for their financial futures and lives.

Book Signing

Another first for the evening, I held my first ever book signing. I’ve been practicing my signature for several weeks now and I’ve finally gotten it down just in time for the event. However, I still panic that I’m going to mess up someone’s name or the words I add. I’m sure it will get easier the more I do it, but for now, I’m a bit paranoid!

The moment was surreal. People standing in line to have me sign a book. Really? Again with the eyes and the smiles. Families came through the line. Teenagers came through the line. Single moms came through the line. At that moment, I knew this group of people had a chance to change their financial futures. They have a chance to become millionaires.

The Giveaways

We wrapped up the evening with a few giveaways for door prizes although it didn’t quite go as planned.

The audience consisted of fifty percent friends and family and fifty percent Knowledge Academies families. We began the giveaways with gift cards to O’Charleys, Buca di Beppo, and Sperry’s steakhouse before ramping up to the bigger prizes. During the gift card giveaway, I felt a little guilty because one of my friends won a gift card, but I rolled with it. Then we drew for a bigger prize, a 4 day, 3 night stay at one of my beach homes on 30A in the Florida panhandle, and that’s where the problem started.

Originally, I planned to give away a 4 day stay at our beach townhouse (sleeps 10) and 4 days at our beach house (sleeps 13). Drawing for the townhouse, we hit a snag. Once again, one of my friends won the prize. Honestly, I felt a little bummed. I was hoping one of the families from the community would win it. What did I do? Well, we gave away another 4 days to the townhouse, and lo and behold, another one of my friends won that drawing as well! So what did we do? We drew again! In all, we gave away three 4 day stays at our townhouse.

Then it was time to draw for the beach house, and guess what happened. Yep. One of my good friends won the beach house drawing. We ended up giving away three 4 day stays at our beach house as well.

In all we gave away six 4 days stays at our beach properties mainly because it was really fun giving stuff away and the audience really got into it! I figured at the core of my book is building wealth to enjoy it, share it and help people in need so why not live it out by giving stuff away.

The Millionaire Choice is available for pre-order at all major booksellers and will debut in stores on November 13, 2018.

Special thanks to Meghan Cary of Megan Cary Photography for the photos!

Making an Impact on the Community

There are many wonderful people doing  work all across America and the world to impact and improve communities. People like Mark Stuart at The Hands and Feet Project helping orphans in Haiti, or Katie Davis of Amazima who has been working in Uganda, Africa since she was 18. While I admire global ministry work, there are tremendous people doing great work in our own backyards. For example in my home town of Nashville, TN, Papa Joe has been an inspiration through his Elijah’s Heart ministry to help at risk children. Heck, the guy has even had a movie made about his life! Unconditional was an amazing film sharing Joe’s Nashville story for life survival as he kept working to help children.

After years of supporting other organizations, this year I guess it’s my turn. Last year I started writing my first book, The Millionaire Choice: Millionaire or Not. You Can Choose. I finished my writing during the summer. Just a few short weeks ago, the first 2,500 books were delivered to my driveway where my wife, the delivery guy, and I managed to transport them up the drive via a dolly to a space in my garage. Just a few short days later, I made my first delivery of 1,000 books to Knowledge Academies, a charter school and group focused on improving their community.

Art Fuller, Founder and President of Knowledge Academies, selected The Millionaire Choice as their platform book to teach financial principles for building wealth to the local community. By distributing 1,000 copies to their students, families and local community Knowledge Academies plans to have a huge impact on the children, their families and the community.

KA art and tony.jpg

KA kids.jpgka-kids-2.png

When I began writing, I never imagined the first people to read my book would be children and families from lower income areas across America. I guess it shouldn’t surprise me.

Before I began work on The Millionaire Choice, a friend sent me a statistic from CNN. The statistic shocked me, and then the realization hit me. The statistic showed that white Americans net worth was over 15x that of black and hispanic Americans. Newer data from PEW Research shows the gap to be 10x-13x.

After the shock wore off, the reality hit me. There’s a very simple reason the wealth divide between white, black and Hispanic population is so great. Financial Education. The simple fact is many more white people have access to financial education than do black or hispanic people. The next logical question is “Why?”

You see I first started learning about personal finance at the age of 25. While I came from a lower middle class family, I became a millionaire by age 40. I broke free from my family’s financial mismanagement cycle. As my career grew, I found myself working in the personal financial education space for over 15 years. As an executive for one of the top companies in the space, I was heavily involved in strategic and business planning. That’s why the reason financial education isn’t available for poor communities is so simple.

The sad reality of why financial education isn’t delivered to the black and hispanic communities is there isn’t any money to be made. Businesses can’t make money off broke people. It’s why financial advisors who know money don’t go knocking on doors in poor communities. They can’t make money. It’s why financial education speakers and companies don’t have a plan or strategy for the poor communities in America. A business is driven by making profit and you can’t make very much profit off broke people. Noone is making a real effort to bring financial education to our poor communities for the simple reason it isn’t profitable.

That’s why I’m both surprised and excited that the first real adoption of my book has come from a lower income community nestled in the corner of my home town, Nashville, TN. I hope that I am able to make a difference in the lives of a community and people that need it.