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After decades of modern financial advice, the vast majority of people have not saved much money. Instead, consumer debt is growing while savings and net worth are falling.
No wonder. The incentives are all wrong. Financial writers say that saving money involves the pain of sacrifice, scaling down or clipping coupons. It’s not very appealing, and few people do it.

Saving Money: the Missing Link is not a “how to” book. It contains no tips on being frugal or penny-pinching because that’s not what saving money is about. Instead it shows you what the bankers and coupon clippers have all missed.

You need to work with your desires in order to succeed. It’s easy to change your mind about money, fall in love with saving, and actually grow your wealth.

No financial trickery or special knowledge is needed, so everyone can do it and it is pure joy. The book is super-short, direct and to the point.

You can read a 2 chapter excerpt in The Globe and Mail (March 2012).

Canada's Finance Minister, Jim Flaherty, says:
"Financial Literacy means a great deal to our Government, and I commend you for furthering understanding in this field."
(March 2012)

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