Phew. This was really a challenging read for me. Not in the comprehension or readability sense — it’s written well by two professors… and it reads like two professors wrote it. Pretty straight up data and meat! No, it was challenging because it forces me to ask the question “what have you done with your income?” You either spend money on consumables that provide no lasting value (but keep the appearance of wealth alive and well) or you build wealth. I’ve definitely, like most Americans, been in the first camp. A timely message for me. Some great perspectives, some helpful strategies, and a whole lot of kick-in-the-pants. Recommend this read for sure.