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The less money you have, the more everything costs you.Same tire. Same boots. Same groceries. You pay more than the person with a cushion in the bank pays — and nobody ever explains why.Rico Thomas Sr. grew up in a house where money never got discussed, and it cost him years. A car he couldn't finance at twenty-two. A savings account quietly losing value while he felt responsible. A twenty-dollar tire patch that turned into eight hundred dollars.This is what he wishes somebody had told him.Sixteen chapters on paying yourself first, killing debt, building credit, understanding compound interest, and putting your money somewhere it works while you sleep. No suit. No lecture. No vocabulary designed to make you feel like you need to hire somebody.Written for anybody who was never handed this information — and especially for the person who is sixteen, or twenty-two, or thirty-four, and just realized nobody is coming to explain it.The gap between families isn't intelligence. It's information.Here's the information. Read more

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