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Why let life happen when you can make life happen? Why borrowing money is a bad, bad thing to do Where to start to build your own wealth How to build a budget What items should be included in a budget? How 10% savings of earnings grows to a significant amount quickly Why being poor or wealthy is a personal choice Why wealth-building is a slow process that requires time Why younger people have a financial advantage What the difference is between liabilities and assets Why knowing about liabilities and assets is so important Why believing in yourself is so important in wealth-building Dr. Ridgway addresses these topics and questions, and more, in Destroying Poverty and Building Wealth.