…Joon Madriga challenged it. She wrote Rising: strategies for the broke, the at-risk, and those who love them. Ms. Madriga lived on the streets. She described the mountains of obstacles that many street people face. No longer homeless, she wrote a step-by-step guide to help other people. She also re-opened my mind.

Andrew Hallam, author of the bestselling book Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School in his June 20, 2016 article on Asset Builder here.

Excerpt from my book Rising: Strategies for the broke, the at-risk, and those who love them, released April 19, 2016

Largely as a result of my career, I know countless people who’ve received large lump sums of cash. Several literally won the lottery ($5,000 to $100,000 each), some received inheritances, others received a buyout or severance at work, three received hefty accident compensations, and one gained in the housing market. Of all of these people, how many still had the money two years later? One—me. This was not entirely a coincidence. Like me, most of the people who’d received these large infusions of cash had been dependent on welfare for a very long time. While all knew how to survive—strategize, go to the food bank, trade for favors, and so on—none had any knowledge of investing (in any sense of the word), and most did not know how to budget (that is, make an amount of money last for the period it needed to last). So they didn’t.

They each used their windfall to buy things they had long dreamed of: a vacation, a shiny new pickup truck, a big-screen television, fashionable clothing. Some moved into nicer apartments while they could. Most were very generous, sharing their temporary wealth with friends, buying rounds of drinks, or giving gifts.

None of these people were stupid; they did not lack intelligence. Indeed, the fact that they had survived their circumstances to date demonstrated excellent thinking skills. And none were selfish. They simply had absolutely no knowledge about growing wealth. I didn’t either. However, as I served these people—earning a stipend of approximately $300 per month while watching my clients come into and then quickly blow tens of thousands of dollars—I took the lesson: if I ever have money, don’t blow it! Beyond that, I knew nothing. But that tiny bit of knowledge made a huge difference.

Rising: Strategies for the broke, the at-risk, and those who love them was released April 19, 2016. It is available in print and as an ebook on Amazon. It is also enrolled in Amazon’s lending library and included in Amazon’s Matchbook service (discounted ebook if also buying the print). Book size and all other details are available here:

If you love it, please consider purchasing copies for

  • loved ones
  • college and high school students
  • friends in low-paying jobs or recently unemployed
  • clients of your local food bank or shelter
  • your favourite social worker
  • volunteer advocates
  • social justice workers
  • social work students
  • awesome neighbours who are relying on welfare or disability benefits

I would love to hear how the book helps you or people you know!

Need A Freebie?

To date I’ve given away over 1000 free copies (never in exchange for a review), and generous individuals have sponsored yet more copies to go into their local agencies!

Now, I don’t yet know where most of those are, but I do know of a couple of the places you can access one at no charge:

  • Melbourne Library, Australia
  • King County Library System (Washington, USA)
  • Mississauga Library System (Ontario, Canada)
  • Ottawa Public Library (Ontario, Canada)
  • Your library or local support agency (upon your asking them to get it in)
  • Amazon’s Kindle Unlimited program
  • Via the occasional giveaway on my blog or Twitter account (subscribe to be notified)

If you know of other libraries or agencies offering a copy, please let me know so I can add them to the list above. If you would like your local student union, women’s shelter, advocacy agency, food bank, or other resource to carry it, please encourage them to place their order with Amazon.