You Deserve to Be Rich: Master the Inner Game of Wealth and Claim Your Future

“For too many people in Black and Brown communities, hard work alone isn’t enough” to achieve financial security, according to this practical debut manual. Earn Your Leisure podcasters Bilal and Millings share their formula for accruing wealth: “Increase your income. Lower your expenses. Invest the difference.” Outlining investment options tailored to different risk levels, the authors suggest that the risk averse should stick with bonds and CDs, while those with a higher tolerance might purchase shares of individual companies or real estate. For those who choose real estate, the authors detail how to select the right property and finance its purchase with a conventional, hard-money, or home equity loan. Throughout, Bilal and Millings bring a welcome recognition of the financial hardships faced by Black individuals. For instance, they note that “discriminatory housing policies have kept Black families from getting the credit and loans that serve as the backbone of financial stability” and propose sharing 10% of one’s annual income with religious institutions or loved ones, writing that “for those of us who come from marginalized families and communities, there will always be a need.” Buoyed by the authors’ can-do spirit (“If you can see it, you can have it”), this stands out in the crowded field of personal finance guides. Agent: Albert Lee, UTA. (Jan.)