You can buy the book for $2.39 on Amazon. If you find just one useful tip in it, it will be well worth it for you.

> A large percentage of the US population do not have disposable income.

That doesn't mean they are poor. I know middle class people who do not have disposable income, but do have two new cars, new furniture, and live in a McMansion. They simply cannot resist spending it all.

Slavery ended 160 years ago. Jim Crow ended 60 years ago. Restrictive covenants became unenforceable 60 years ago.

Musk made his fortune out of a $20,000 investment from his dad. Gates made his from $5,000 from his dad. Jobs sold his VW Bug for his start.

It's entirely up to you.