Choose Wealth! Be a Millionaire by Midlife.

Jamaca beach flattenedHave you ever wondered how people get rich? Why is it that some folks manage to accumulate significant amounts of wealth while others just scrape by?

Only 1/4 of Americans end up with more than half a million by their 60′s. Will you be one of them? I am.

You don’t have to be a best selling author, a rock star musician, a tech guru wizard or a high powered lawyer to be a multimillionaire, you just need time and persistence. Anyone can do it if they know how. YOU can do it if you want it badly enough, learn how and persist. You just have to choose to be wealthy. This book helps you figure out how to choose wealth.

My new book, Choose Wealth!  Be a Millionaire by Midlife, is now available – on Amazon, Barnes and Noble, iTunes  and many other online outlets. I’m so excited to have completed this effort and hope that folks find it helpful in pursuing wealth of every sort, whether financial or other.

My goal for you in this book is to show you through story and fact that it is entirely possible for most people to build a net worth of several million dollars by midlife. I hope to inspire you. I want to help you understand and identify what prevents you from traveling the road to wealth. I want to share some of the many excuses people have for never achieving wealth and show you how to avoid the excuse trap.

You’ll read about my unique Framework for Wealth which covers:

  • learning more about environments other than yours;
  • finding your dream;
  • making the most of your education & getting a good start in life;
  • how ordinary people overcame great obstacles;
  • how to learn to discuss money;
  • things you should know about personal finance and resources to learn what you don’t know yet;
  • how to leverage your time and your money better;
  • ideas on learning how to be and practice the persistence needed to build your net worth;
  • ways to keep from losing hope
  • how to find a millionaire mentor and
  • a list of resources I have used and found helpful.

I’ve used my own story and struggles, along with all of my research – all of the books I’ve read, classes I’ve taken and conversations I’ve had about wealth – as a basis to form this framework for you to use to build your own net worth into a million-dollar fortune.

My spouse and I were millionaires before age 50, but it was a long, hard road to get there. I wrote Choose Wealth – Be a Millionaire by Midlife to help you get there faster.

It’s not a get rich quick scheme. Some people do get rich very rapidly at very young ages, most don’t. Not everyone can be a Bill Gates or a Warren Buffett or a JK Rowling, but anyone, including you, can get rich over time if you choose it. Read this book to help you learn how to choose wealth.

Get your copy now and use it to start building your wealth dream!

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Lets Rewrite History!

Have you ever noticed that it can be easier to imagine yourself doing something if you know about someone else who has done that same thing? You think to yourself, hey if she did it, so can I!

It’s even easier to imagine that scenario when the person who did it is like you. If you are a little white boy reading about some kid who grew up to be President, you think, hey, I’m a boy like him, I could do that too.

In most of the world, societies are patriarchal. The histories and stories that have gotten told and re-told and written into the books are usually about male accomplishments. Little girls study those history books and read those stories and think to themselves, well – a boy did that, it must only be for boys.

For example, when I was growing up in the fifties everyone wanted to be a scientist or engineer. American and Russia were locked in a space race and it fired the imagination of an entire generation of kids. My brother was pretty smart and the entire family and all of his teachers encouraged him to be a scientist. He ultimately earned a Master’s degree in biochemistry. I was smart too (turns out that I was much smarter financially!), but don’t remember being challenged or encouraged to pursue science or math studies or projects.

I’m planning a history trip with my Grandson this summer and have been reading up on the colonial and revolutionary days of America. As it turns out, some of the books I am reading today totally refute the stories that my grade school history books taught. George Washington apparently did NOT have wooden false teeth and did NOT tell his Father about chopping down a cherry tree!

History, so they say, is recorded by the conquerors. The story is told to make their heroes look good. Parts get left out that were vital to the conqueror’s successes and other, not necessarily true, parts get written in.

So it was with the story of America’s first satellite, Explorer I according to a book I just completed: Rocket Girl by George D Morgan.

His Mother, Mary Sherman Morgan, an analyst at North American Aviation in the 1950′s, discovered the proper chemical mixture which allowed the Redstone A-7 engine on the rocket to have the oomph to launch a small satellite (now known as Explorer I) into orbit in 1958.

She was a key reason that America was able to join the space race after the U.S.S.R. launched the very first human satellite – Sputnik.

Not even Wernher von Braun and company, the group of German rocket scientists that later became naturalized Americans, could solve the problem of getting the right fuel mix to get the proper thrust, but Mary could – and did. Without her invention, America would have been years behind the Soviets and might not have even become the first nation to land on the Moon.

Where was her Nobel prize? Hmmmm. Where does it mention her in the history books? Hmmmm. Why are the only records the ones in the heads of her old male ex-coworkers? Hmmmm. Why did I not read about her contribution or hear about it on TV when I was a little girl wanting to be a scientist? Hmmmm.

The story is a good one, very readable. It took the author years to do the research, find and interview and verify the resulting facts (some of which are still unknown).

He accurately presents the male dominated environment present in those days – women being forced out of jobs due to returning WWII vets; girls being treated with less respect and caring in their own homes than their brothers; the sheer dominance of men over women in the workplace and the scorn that most higher ups had for anyone daring to place a woman in a position of responsibility.

I discovered this book because I am actively searching for books that present the accomplishments of women. I want my Granddaughter to read about as many different kinds of successful women as she can. I want her to know that she has possibilities and I want her to explore them all. Of course, I also want my Grandson to do the same with successful male role models, but there is no need to search around much for books about them – they are ubiquitous!

This book, however, is written for adults, not little girls. I’d love to hear about any primary reading level books that tell the story of a successful woman in an interesting and exciting way, so please make a comment below if you know of one.

Let’s rewrite history to include the role played by the many unremembered women, men and children!  Let’s get it right this time.


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Review of: Outsmarting the System

Lower your taxes, control your future and reach financial freedom by Anthony C Campidonica, Copyright 2014, published by Sciopress, inc


Campidonica is a CPA and former IRS tax auditor. He promises a high level book and delivers it. The system he is talking about is society’s expectations that we go to school, go to college and get good grades, land a job working for someone else, buy a house and contribute to a retirement fund.

He believes that the system fails to help most folks reach financial freedom. He suggests, instead, that folks should either a) invest b) be landlords or c) be self-employed.

The first seven chapters are sky-high descriptions of these three items, with most emphasis on being self-employed.

He spends a chapter on the tax system, one chapter describing some of the advantages and disadvantages of each of the three ‘solutions’ (investing, landlording or self-employment) and goes into some of the tax benefits of each. He spends a chapter talking about the challenges involved in running each of the three solutions and then a chapter devoted to being a business owner – giving sky-high conceptual information on a few business concepts, such as products or services to offer and the beginnings of some of the things you need in a business plan.

The eighth chapter (What the rich know that you don’t) is the most substantive. In it he reveals information about the IRS and its audits that most folks won’t know.

The last chapter is intended to help get you started in a business by having you list out things he suggested you think about (what is your business idea, what do you need to learn, what advisers do you need and etc). Continue reading

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Your Digital After Life

Should your heirs be able to access your online accounts after you die?

The internet is such a relatively recent adventure that everyone is still trying to figure out what should and shouldn’t happen to your online accounts after you die.

Currently, according to a PEW research article entitled What happens to your digital life after death? some states are beginning to pass laws to regulate who can and cannot access digital accounts like Facebook, or a website you run, or your email accounts.

They say in that article:

“Until the legal procedures are made clear experts are advising people  to treat their digital assets as they would any other asset.  They recommend that users appoint someone to be in control, make a list of accounts and passwords, and give clear instructions on how to handle each individual account.”

Most people don’t think about including anything related to online accounts as part of their estate planning – after all, there is nothing important there – right?

Wrong, as you well know.  Here are a few things to consider. Continue reading

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Help Me Choose a Book Title and Enter my $50 Amazon Gift Card Giveaway

UPDATE:  Congratulations to the winner of our giveaway – Lauren E!!!

Thank you to everyone of you who voted and commented on the titles.  



I’ve done it!! I spent the past year writing a book. It is nearing completion and now I need a great title for it.

I’d love to hear your thoughts, so I’ve developed a small poll to let you help me by selecting the title you think works best from my short list.

Here is the book’s description I’ve drafted to use on Amazon (I’d also love any comments on it):


Have you ever wondered how people get rich?  Why is it that some folks manage to accumulate significant amounts of wealth while others just scrape by?

Only 1/4 of Americans end up with more than half a million by their 60′s.  Will you be one of them?  I am. Continue reading

Share this!