Index
A
Abundance, 22
Accomplishments, 81
Achievement, 53–54
Adversity, 82
Affluence, 44
African Americans, 28, 86, 132
Alzate, Lennie, 83–85
Ambitions, identifying your, 62
American culture, family in, 54–55
American Dream, 148
American Revolution, 33
Amoeba behavior, 182
Annual percentage rate (APR), 121
Anxiety, wealth and, 60
Appreciation, practicing, 184
Aquino, Tony, 218–221
Archetypes, 58–59
Aristotle, 76
Arrogance, 79
Asian culture, family in, 53–55
Astor, John Jacob, 43
Attitudes:
collective, 52
Australia, 46
Automobile finance companies, 42
B
Bailey, Margaret Campbell, 39
Bank loans, 120
Bank of the United States, 35
Bankruptcies, personal, 136
Banks, state-chartered, 35
Battle Hymn of the Tiger Mother (Amy Chua), 53
Behavior:
choices and, 97–98
unconscious, 4
Bernays, Edward, 106
Better Life Index, 46
Biden, Joe, 135
The Biology of Belief: Unleashing the Power of Consciousness (Lipton), 24
Birke, Szifra, 78
Black, Harold, 124–125, 205–211, 223, 224
Boulder, CO, 46
Bradley, Omar, 169
Branch, Taylor, 207
Branden, Nathaniel, 79
Branding, and consumer debt, 105–106
Brown, H. Jackson, on perseverance, 93
Buffett, Warren, on price vs. value, 111, 115–116
Burch, Jeff, 144–146
Byrne, Rhonda, on current thoughts, 25
C
Calder, Lendol, 123
Canada, 46
Capital, 35
Carnegie, Dale, 76
Certified Financial Planner Board of Standards, 14
Challenges, taking on, 159, 183
Change, 70–71
Charters, 32
Choice(s):
personal responsibility as conscious, 97–102
and success, 21
Chopra, Deepak, 189
Chua, Amy, 53
Cities, wealthiest, 46
Civil Rights Act, 127
Civil rights movement, 207
Civil War, 33
Coaches, personal, 76
Colbert, Joseph, 16–17
Collective attitudes, 52
Colonial America, 31–33
Comfort zone, 9
Community Development Credit Unions (CDCUs), 121
The Compound Effect (Hardy), 201
Computers, personal, 43
Conger, Rand D., 82
Conscious approach to finances, 143–144, 149
Conscious choices, making, 51, 62–70
Conscious debt, 139
Consumer credit, 104–105, 137–138
Consumer debt, branding and, 105–106
“Consumer Debt in America” (José D. Roncal), 105–106
Consumer installment loans, 121–122, 124, 129–130
Consumptive credit, 38
Core values, finding your, 63
Countries, happiest, 46
Creating phase, 173–174
Credit:
consumer, 104–105
consumptive vs. productive, 38
and economic instability, 45–46
in era of basic conveniences, 34–35
having options for, 118–122
installment, 40–42
and prosperity, 137–138
saving vs. taking on, 117
Credit cards, 44, 105, 118, 119
Credit union loans, 120–121
Cupisz, Mike, 20, 66–70, 93–97, 217–221
Cupisz, Tony, 19–22, 66–70, 73–77, 81, 93–97, 108–109, 183, 217–221
Currency, 10
D
Danko, William D., 53
conscious, 139
consumer, 105–106
and current economic crisis, 123–124, 138–140
paying off, 128
positive aspects of, 4
short-term, 146
and stress, 145
unconscious, 136–137
younger people in, 213–214
Denmark, 46
Depression of 1819, 35
Dickerson, Michael, 142
Didion, Joan, on accepting responsibility, 7
Disney, Walt, 82
Disneyland, 18–19
Dreams:
being open to, 71–72
following your, 191
identifying your, 62
Drucker, Peter, on Industrial Revolution, 27
Durbin, Paul G., 101
E
Economic crisis (2008-), 2, 3, 35–36, 102–104, 134–136
role of debt in, 123–124, 138–140
J. C. Watts on, 132
Education (as value), 55
An Education in Georgia (Trillin), 208
Einstein, Albert, 205
Elder, Glen H., 82
Elephant and blind men, parable of, 208
Elephant as metaphor, 207–208, 223
Emancipation Proclamation, 49
Entitlement, sense of, 166–167
“Era of basic conveniences,” 34–35
“Era of basic luxuries,” 43–46
“Era of basic necessities,” 30–31
European immigrants, 30–31
F
Family heritage, 52
Family operating system, 10–12, 17–18, 53–58
Fear:
debilitating effect of, 142–143
of failure, 181
wealth and, 60
Financial advisors, 141
Financial choices, 206–207, 210–211
Financial cushion, creating a, 143
Financial preparedness, 144–146
Financial success, 77–78
Financing the American Dream (Calder), 123
Ford Motor Company, 42
Forrester Research, 106
Frankl, Viktor E., 100–102
Freedom phase, 174–175, 187–188
Freud, Sigmund, 106
Fusaro, David, 15
G
Gallup-Healthways Well-Being Index, 46
Gandhi, Mahatma, 207
Georgia Firefighters Burn Foundation, 190
Georgia Institute of Technology, 199
Gilded Age, 157
Giving back:
and Donald Trump, 165
and receiving from others, 162–165
Goals, setting, 55, 171–172, 216
Goethe, Johann Wolfgang von, on taking action, 1, 4
Gratitude, 20–21, 190, 197, 224
Great Britain, 34
Great Depression, 35
Greatness, aiming for, 63–64
Guthrie, KY, 113
H
Habits, choices and, 97–98
Hamilton, Alexander, 35
Happiness, road to, 51
Hardy, Darren, 62, 88–89, 97, 98, 201
Harvard Business School, 118, 141
Health insurance, 74
Hoffman, Guy, 28
Hoffman, Rheba, 28
Hogan, Shanna, 13
Home equity lines of credit (HELOCs), 105, 120
Home ownership, 44
“Home theaters,” 29
Honesty, 115
Hopkins, Tom, 74–75
How to Master the Art of Selling (Hopkins), 74–75
How to Win Friends and Influence People (Carnegie), 76
I
Immigrants, 30–33
Impulse control, 55
Income, residual, 73–74
Industrial Revolution, 27, 33–34, 42, 43, 137
Inertia, 181
Information Revolution, 27
Inner voice, listening to your, 65
Installment credit (installment plans), 40–42, 104, 137–138
Interest rates:
consumer installment loans, 121, 124
credit cards, 118
Internet, 175
Introverts, 79–80
Investing in ourselves and others, 164–165
Investments, purchases as, 85
It Is What It Is (Marman), 187
J
Jobs, Steve, on finding what you love to do, 88
Johnson, Stuart, 199–203, 216–217
Jungian psychology, 58
K
Kennedy administration, 127
Keys, Gloria Mae, 16
Keys, Rickie, 15–17, 56–57, 214–215, 224
Kicklighter, Sammy, 41
King, Martin Luther, Jr., 207, 208
“Kitchen-table economics,” 16
Kiyosaki, Robert, 171
Korda, Michael, 107
Krugman, Paul, 37
L
Laidlaw, William, 156
Laird, Milt, 14–15
Land grants, 32
Land ownership, 31–33
“Law of attraction,” 24
Learning phase, 173
Letting go, 69–72
Life, four phases of, 172–175
Lincoln, Abraham, 177–178
Lipton, Bruce, 24–25
Loans:
bank, 120
consumer installment, 121–122, 124, 129–130
credit union, 120–121
London, England, 46
Lottery, winning the, 13–15, 78
Love:
expressing your, 86
Lurye, Alex, 160–162
M
Madoff, Bernie, 103
The Magic of Thinking Big (Schwartz), 201, 216
Magnolia Housing Project (New Orleans), 15
Main street lending, 122
Mann, Bill, 36
Mann, Deb, 36
Man’s Search for Meaning (Frankl), 102
Marketing, 105–107
Marman, Doug, 187
Maslow, Abraham, 89
Massachusetts Bay Company, 32
McCann, Leah, 216
McClellan, Foster C., on trusting yourself, 83
Media messages, 45
Microlending, 137
Middle-class status symbols, 42, 44
Military, financial literacy in the, 145
Miller, Frederick, 133–135, 146–149
Miller, Marcia, 147–148
The Millionaire Next Door (Stanley and Danko), 53
Mimms, Arthur, 112
correcting, 140
learning from, 82
Model T, 42
Money:
borrowing, 37
conscious use of, 149
as currency, 10
relationships with, 1–2, 15, 16, 22, 51, 52
and success, 9
Multitasking, 172
Muster, Bob, 142
N
National Association for Self-Esteem, 80
National Association of Home Builders, 44
National Credit Union Administration, 205–206
“Nature vs. nurture,” 10–11
Negative thoughts, 24
Negativity, letting go of, 69–70
NetPlaces.com, 63
New World economy, 31–33
New World gentry, 32
New York, NY, 46
New Zealand, 46
Nin, Anaïs, 182
Nonviolence, 207
Norton, Anne, 40
Norway, 46
Nurturance, 159
O
Obama, Barack, 12
Office of Comptroller of the Currency, 206
Ogle, Tim, 117
Oh, the Places You’ll Go! (Dr. Seuss), 89
Olson, Jeff, 201
Online sales, 106
Operant conditioning, 182
Options, credit, 118–122
Organization for Economic Cooperation and Development (OECD), 46
Orman, Suze, 201
Orndorff, G. Alexander, 158
Outsourcing, 34
Overconfidence, 200
Overregulation, 124–125
P
Parenting:
in Asian vs. American cultures, 53–55
overcoming negative, 68
Parting the Waters (Branch), 207
Peale, Norman Vincent, on action, 109
Perfecting phase, 174
Personal bankruptcies, 136
Personal coaches, 76
Personal computers, 43
Personal responsibility (See Responsibility)
Personal values, 12
Philanthropy, 155–156
Positive attitude, 61
Positive expressions of archetypes, 59
Positive language, 81
Positive thinking, 24–25, 81, 193–194
Possessions, accumulation of, 45
Poverty, 95–96
Preparedness, financial, 144–146
Price, value vs., 111, 114–117
Productive credit, 38
Prosperity:
and credit, 137–138
definitions of, 52
and focusing our attention, 172
and giving back, 155
home ownership as mark of, 44
Information Age and, 43
as inner richness, 190–191
and living consciously, 149
possessions and, 143
The Psychology of Achievement (Brian Tracy), 75
Psychology of wealth, 2–3, 6, 224–225
adopting a, 191
and family operating system, 10–12
installment loans and, 123–125
and self-esteem, 76–77
Public opinion, manipulation of, 106
Pulkys, Jane, 185–186
Purpose, individual, 187
Q
Quinceañera, 212–213
R
Reasoner, Robert, 80–81
Receiving from others, 162–165
Relationships:
dysfunctional, 182
with money, 1–2, 15, 16, 51, 52
Renewal Financial Services, 15–16, 215
Republican Party, 132
Residual income, 73–74
Respect for others, 115
Responsibility (personal responsibility):
and balance, 145–146
as conscious choice, 97–102
and giving, 155
Retail Eyes, 117
Revolutionary War, 33
Revolving credit, 104–106, 119, 120
Rich Dad, Poor Dad (Richard Kiyosaki), 171
Riles, Hattie, 49–50
Riles, James, 49–50
Risks, taking, 9–10, 70, 143, 144, 148
Rockefeller, John D., on road to happiness, 51
Rohn, Jim, on taking personal responsibility, 102
Role models, 69
Rosenau, Herr, 161–162
Russell Sage Foundation, 157
S
Sacony Sewing Company, 39
San Miguel, Leticia (See Van de Putte, Leticia)
Saving:
investing vs., 143
taking on credit vs., 117
Scott, Odessa, 197–198
Self-criticism, 79–80
Self-discovery, 50
Self-esteem, 56
as basic human need, 79
and confidence, 75
creating, 76–78
evaluating your, 91–92
and family heritage, 52–53
giving and, 155
and having options, 118
and loan repayment, 123
and love, 86
and reaching our potential, 89–90
saving and, 143
signs of high, 90
signs of low, 91
and taking on challenges, 159
Self-respect, 56
and accepting responsibility, 7
and reaching our potential, 89–90
and self-esteem, 79
Self-righteousness, 79
in Asian culture, 53–54
and love, 86
money and, 77–78
and sense of achievement, 58
strengthening our, 80
Seuss, Dr., 89
Shadow expressions, 59
Shaw, Johnny, 126–130, 144, 191
Shirley, Joyce, 166
Short-term debt, 146
Singer Sewing Machine Company, 38–40, 122
Skinner, B. F., 182
Slater, Samuel, 34
The Slight Edge (Olson), 201
Small Loan Acts, 134–135
“Small steps” principle, 88–90, 184
Socrates, 23
Sorensen, Charles, 42
South, the, 32
Stanley, Thomas J., 53
State-chartered banks, 35
Status symbols, middle-class, 42, 44
Stone, W. Clement, 201
Stress:
debt and, 145
financial regulation and, 125
wealth and, 60
Subprime mortgages, 135–136
Success:
Abraham Lincoln on, 177–178
and choices, 21
definitions of, 217
financial, 77–78
and money, 9
shared, 168
SUCCESS for Teens (Johnson), 216
SUCCESS Foundation, 216
SUCCESS magazine, 62, 88, 199–200, 216
Success with a Positive Mental Attitude (Stone), 201
Suddath, Claire, 135
“Sudden wealth syndrome,” 78
Sweden, 46
T
Tallmadge, Shefik, 13–14
Taylor, Bennie, 111–114, 128, 144, 191
Technology, 43
Tenacity, 201
Tent City, 127
Textiles, 34
Think and Grow Rich (Hill), 76, 201
Think Like a Champion (Trump), 63–64
“Third-party authorities,” 106
Thoreau, Henry David, on what lies within, 73
Time, making, 171–172
“A Tribute to Viktor Frankl” (Durbin), 101–102
Trillin, Calvin, 208
on aiming for greatness, 63–64
on having passion for work, 86
on higher self, 64
on keeping negative thoughts away, 64
on thinking big, 63
Tulane University, 15
U
Udana, “Parable of the Blind Men and the Elephant,” 208
Unconditional giving, 168
Unconscious attitudes and beliefs, 23, 51
Unconscious behavior, 4
Unconscious debt, 136–137
University of Georgia, 208–209
University of Oklahoma, 131, 133
University of Tennessee, 124, 205, 210
Unworthiness, feelings of, 78, 79
U.S. Census Bureau, 44
U.S. Department of Commerce, 44
U.S. economy, 34
Usury statutes, 134
V
Vacations, 147
Value, price vs., 111, 114–117
Values, understanding our, 52
Van de Putte, Leticia (San Miguel), 5–9, 17, 19, 144, 191, 212–213
Veterans Affairs and Military Installations Committee, 212
Vietnam War, 111
W
Watts, J. C., 131–133
Wealth:
and abundance, 22
definitions of, 9, 18, 22, 29, 52
negative side of, 59–60
positive side of, 61–62
yardstick for measuring, 29–30, 44–45 (See also Psychology of wealth)
Webster, Daniel, 37
Whitman, Harold Thurman, 5
Whitman, Walt, 161
Wienberg, Eugen, 161
Wienberg, Sigbert, 161–162
Williams, Robert M., 24–25
Women:
and Industrial Revolution, 34
and sewing machines, 38–40
Y
Young people, 213–215