About this item

If youve ever bought a personal finance book, watched a TV show about stock picking, listened to a radio show about getting out of debt, or attended a seminar to help you plan for your retirement, youve probably heard some version of these quotesWhats keeping you from being rich In most cases, it is simply a lack of belief. SUZE ORMAN, The Courage to Be RichAre you latte-ing away your financial future DAVID BACH, Smart Women Finish RichI know youre capable of picking winning stocks and holding on to them. JIM CRAMER, Mad MoneyTheyre common refrains among personal finance gurus. Theres just one problem those and many similar statements are false.For the past few decades, Americans have spent billions of dollars on personal finance products. As salaries have stagnated and companies have cut back on benefits, weve taken matters into our own hands, embracing the can-do attitude that if were smart enough, we can overcome even daunting financial obstacles.