Book excerpt: The world is awash in terrible financial advice that extracts wealth from the middle class and funnels it to the wealthy. Expensive investments, over-priced insurance products and speculative investments with no underlying value abound. "Gurus" on YouTube and other social media platforms hawk terrible financial advice and sell personal courses that destroy wealth instead of creating it. People continue to get brainwashed by corporate advertising into spending their entire life's income on useless products to signal status. This must end. This book contains everything you need to know to avoid investment scams, buy appropriate insurance to protect your family, and help you live a financially fruitful life.