"You Don't Have to be Poor" is a book that will address one of if not the most important components of life for the individual and by extension, the family. In addition, the same principles guiding an individual or family will also benefit the leaders of our country and other countries of the world. Everyone at one time or another is faced with a decision to make that will influence either adversely or positively his or her financial standing. Biblical scriptures address the problems we encounter today related to finances, and even address issues related to a country, which is admonished not to borrow from another.

Review

By Valerie Caraotta Author John Ridley's extensive research into economics, including both a U.S. and international perspective, has laid out the realities of mindsets and how they affect one's ability to survive financially. Contrasting the "poor "versus "poverty" and the "rich"verses "wealthy" this insight will reveal that one has a choice to escape poverty and can also see money vanish when given and not earned. Regarding those of lesser means first, he states that almost half the population relies on at least one form of public assistance in a country with the freedom to do what one wishes with their lives. Many are unwilling to start a minimum wage job. Others lack of willpower and desire. "A democracy is in trouble when its citizens begin to believe that they can legislate themselves a living without working for it." Here are the distinctions he makes between "poverty "and "poor." Poverty, he shares, is a mental state that allows little hope or chance of escaping. It is a survivalist attitude that is more difficult to eradicate. Many in poverty have the idea that fate and other people were against them from the start. Poor, on the other hand, is often related to choices made years before. Many accept low-wage jobs. There is more of a temporary rather then chronic condition. Poverty in 2012 was defined as having an annual income of $23,050. Data from a 2012 report indicates 15% (46.5 million) of Americans continue to struggle at the economic margins of being poor or living in poverty with no signs of progress detected. Ridley further points out that the U.S. may encourage poverty by providing aid to enable bad habits. "The idea of easy credit when there is little chance of the person in debt being able to pay has contributed to the current credit mess. "Today, across the U.S., families will need an income to twice the official poverty level to meet basic needs. He feels no one will ever arise from being poor if they depend upon the government to meet the needs of a family or individual. Contrast are also made among the "rich "and "wealthy." His statistics indicate the wealthy are those making more than $200,000 a year. Millionaires reside in one out of every 25 homes. The average person that has attained wealthy status worked close to 70 hours per week at a point in their career. The author indicates that if one becomes rich they should strive to reach sustainability before significant spending occurs while acquiring knowledge to make money. "Being rich can be a very good thing when it is approached in the right manner, but bad for some as it brings out greed. What I found most interesting is the alarming statistics of how generational wealth diminishes. - Only one out of 10 families pass prosperity from one generation to the next - The three generation cycle of boom to bust has been the painful reality for nine out of 10 families. - Only 3% of family build businesses is generating a profit during the third generation. He points out there is not as much desire in this day to take steps of delaying gratification for future success as was in years past. Here is the quote by Andrew Carnegie that he feels is worth mentioning. "The parent who leaves his son enormous wealth generally deadens the talents and energies of the son and tempts him to lead a less worthy life. " I found this book to have good information overall. It appeared however a bit long and repetitive in solid points. I felt it could've been more condensed and less statistical while being more practical. The references were extensive from an excellent culmination of credible sources. The reader will learn economics 101 so to speak and grasp a better understanding of thinking processes and work ethics across economic lines. If you enjoy economic statistics this will be a delight. The reader can easily skim over areas of less interest while still grasping the bulk of the content.

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