capítulo por capítulo baixar The Money Decision: Five Small Choices That Build Lasting Wealth

Wealth doesn't start with money. It starts with a decision.

Patrick Alan Ealy was starting from zero — car payment, credit card debt, and a choice to make. So he made one: he would build wealth, one small decision at a time. The Money Decision is the plan he's actually living, told friend-to-friend in plain language with real numbers. Five small choices: Decide — wealth begins the moment you choose it. Kill the debt — an 18-month sprint to become debt-free. Pay yourself first — $583/month into an IRA in boring dividend ETFs, automatically. Boring beats brilliant — no stock-picking, no timing; consistency and time do the heavy lifting. The long harvest — targeting roughly $485,000-$510,000 by 65.

This is not a guru book. It's a working man's plan, written while it's being built — including the real reason behind it all: a daughter, a horse, and a dream worth funding.

A short book with a big idea: you don't need a fortune to start. You need a decision, made today.

This book shares the author's personal story and general educational information. It is not financial, tax, or investment advice.

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