This isn’t hypothesis. It’s strategy.
Each chapter reveals how to navigate the costs most people never see—and how to align your choices with what actually matters.
Inside, you’ll learn:
- Why overspending is emotional, not mathematical
- How to see every purchase as a vote for your future self
- How debt traps work—and how to escape them
- Why financial stress isn’t personal failure—it’s structural by design
- How community and policy shape personal outcomes far more than luck ever will
The Cost of You redefines what financial literacy means in America. It’s part economics, part psychology, part community-building—and a reminder that financial clarity isn’t a destination. It’s a daily practice.






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