{"product_id":"dtw-book","title":"From Debt to Wealth by Scholarist™: A Total Money Makeover","description":"\u003cp\u003e\u003cspan class=\"a-text-bold\"\u003eYou're not broke because you're lazy.\u003c\/span\u003e\u003cspan\u003e You're broke because of what happens to your money after payday.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eThe money lands. Rent, groceries, the car payment, the subscriptions that thye make it hard to cancel. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eTwo weeks later, you're staring at your bank account asking the same question: \u003c\/span\u003e\u003cspan class=\"a-text-italic\"\u003ewhere does all my money go?\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eYou've tried working more hours. You've tried cutting back. You're still one unexpected bill away from starting over. And underneath it, a quieter worry - everyone else seems to be further along than you.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan class=\"a-text-bold\"\u003eFrom Debt to Wealth\u003c\/span\u003e\u003cspan\u003e is a personal finance book for people who are tired of being told to just save more or work harder.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIts argument is simple and painful: \u003c\/span\u003e\u003cspan class=\"a-text-bold\"\u003ethe poorer you are, the more dangerous it is to rely on a 9-to-5 job. \u003c\/span\u003e\u003cspan\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eWealth is compensation for your value in the marketplace, not a reward for effort. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eThe rich don't out-work you. They use leverage and systems while you trade time for money.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eInside, five parts:\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan class=\"a-text-bold\"\u003eThe Strategy of the Wealthy: \u003c\/span\u003e\u003cspan\u003eWhy working more hours won't make you more money. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eWhy that financed car is a liability, not an asset. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eWhy \"luxury\" is usually a display of money you don't have.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan class=\"a-text-bold\"\u003eReal-world ways people use to make money\u003c\/span\u003e\u003cspan\u003e and earn while they sleep. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eThe information gap behind most fortunes. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eSkills first, money second. \u003c\/span\u003e\u003cspan class=\"a-text-bold\"\u003eA 90-day plan to save your first $10,000.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan class=\"a-text-bold\"\u003eMoney-Making Habits.\u003c\/span\u003e\u003cspan\u003e Conscious spending, where your money actually leaks, and how to set goals you'll keep.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan class=\"a-text-bold\"\u003eSavings, Debt, and Investing.\u003c\/span\u003e\u003cspan\u003e The borrower is slave to the lender. Your savings account is not someone else's emergency fund. And how the rich use debt to get even richer.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan class=\"a-text-bold\"\u003eThe Psychology of Money.\u003c\/span\u003e\u003cspan\u003e Patience over shortcuts. Risk over regret. Why farmers who wait for perfect weather never plant, and why being poor can become a strategic edge.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eNo get-rich-quick math. No hustle culture. No promise that you'll quit your job next month.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eThis book is for you if you're in your 40s, 50's and 60's even starting with almost nothing. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIf you're a single parent, a teacher, a nurse, or anyone living on a fixed salary. If you're paying down debt and want to start building wealth at the same time. Or if you've read money mindset books before and closed them still not knowing what to do on Monday morning.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan class=\"a-text-bold\"\u003eStart where you are today. Even if that's zero.\u003c\/span\u003e\u003c\/p\u003e","brand":"Scholarist","offers":[{"title":"Default Title","offer_id":59589185536325,"sku":null,"price":49.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1071\/2793\/1205\/files\/11_library_product_hero.png?v=1791240447","url":"https:\/\/scholarist.co\/products\/dtw-book","provider":"Scholarist","version":"1.0","type":"link"}