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You Will Rock Books: The Millionaire
Upstairs

The Millionaire Upstairs

Credit Limit & Funding Strategies

How to Position Your Credit Profile for Larger Limits and Better Offers

The High-Limit Credit Card Blueprint

Written by entrepreneur and professional stuntman Riky Ash, From Mini to Millionaire outlines the financial principles and personal disciplines that guided him from modest beginnings to achieving millionaire status-without ever relying on loans or credit.
In 1993, with only ï¿½in his bank account, a ï¿½0 van, and a set of woodworking tools, Riky began a journey that transformed his life. In this book, he explains the strategies, mindset, and rules he developed along the way, presenting them in a clear and practical format so readers can apply them to their own financial paths.
Drawing on his personal experience and unconventional views on money, Riky explores why he believes traditional financial systems discourage wealth-building, why maintaining liquidity is essential, and how avoiding debt can be a powerful lifelong advantage. He also shares the personal framework of principles that shaped his success.
Chapters include:
ç¨«now Your Worth
ç©€ou Have To Make It Happen
ç¨²esidual Income
ç¨¢ash Is King
ç¨µhe Dangers Of Debt
ç¨­ultiple Income Streams
ç¨´urround Yourself With Success
ç¨Ÿttitude Is Everything
ç¨µhe Pensions Trap
ç©€ou Are Your Best Investment
From Mini to Millionaire provides readers with practical insights into financial independence, emphasizing the critical role of mindset, personal responsibility, and disciplined decision-making. Riky challenges conventional approaches to money, education, and retirement planning, encouraging readers to think independently and establish their own guiding principles for success.
Direct, candid, and aimed at readers ready to work both hard and smart, this book serves as a motivational guide for anyone determined to take control of their financial future. This book is not intended for readers who prefer traditional, risk-averse financial advice or who are uncomfortable challenging conventional norms.

Financial Freedom is just a Mindset Away

From Mini to Millionaire

'Ich bin fest davon überzeugt, dass Jim Rohn ein außergewöhnlicher Mensch ist, dessen Philosophie die Lebensqualität jedes Einzelnen verbessern kann.' Tony Robbins
 
 Wie Sie die Quellen von Glück, Wohlstand und Zufriedenheit in Ihnen entfesseln.
 
 Sie müssen sich nicht zwischen Reichtum und Glück entscheiden - beide entspringen derselben Quelle des Überflusses. In diesem Buch entdecken Sie die sieben wesentlichen Strategien, die Sie für Ihren Erfolg benötigen: 
 
<ul>
 <li>Entfesseln Sie die Kraft der Ziele.</li>
 <li>Streben Sie nach Wissen.</li>
 <li>Lernen Sie das Wunder der persönlichen Entwicklung kennen.</li>
 <li>Kontrollieren Sie Ihre Finanzen.</li>
 <li>Meistern Sie die Zeit.</li>
 <li>Umgeben Sie sich mit Gewinnern.</li>
 <li>Lernen Sie die Kunst, gut zu leben.</li>
</ul>Die Philosophie von Jim Rohn hat Millionen Menschen geholfen, ihr Leben zum Besseren zu verändern. Finden Sie heraus, was er für Sie tun kann!
 
 Jim Rohn (1930 - 2009) war mehr als 40 Jahre lang weltweit als Motivationsredner und 
 -trainer aktiv und hatte entscheidenden Einfluss auf die Entwicklung von Motivationstraining und Motivations-Coaching. Viele bekannte Motivationstrainer und Autoren, darunter Tony Robbins, Brian Tracy, T. Harv Eker oder Jack Canfield, erkennen den Einfluss von Rohns Arbeit auf ihre Karrieren an.

'Ich bin fest davon überzeugt, dass Jim Rohn ein außergewöhnlicher Mensch ist, dessen Philosophie die Lebensqualität jedes Einzelnen verbessern kann.'
 Tony Robbins 
 Wie Sie die Quellen von Glück, Wohlstand und Zufriedenheit in Ihnen entfesseln.

 
 Sie müssen sich nicht zwischen Reichtum und Glück entscheiden - beide entspringen derselben Quelle des Überflusses. In diesem Buch entdecken Sie die sieben wesentlichen Strategien, die Sie für Ihren Erfolg benötigen: 

 <ul><li>Entfesseln Sie die Kraft der Ziele.</li><li>Streben Sie nach Wissen.</li><li>Lernen Sie das Wunder der persönlichen Entwicklung kennen.</li><li>Kontrollieren Sie Ihre Finanzen.</li><li>Meistern Sie die Zeit.</li><li>Umgeben Sie sich mit Gewinnern.</li><li>Lernen Sie die Kunst, gut zu leben.</li></ul>
 Die Philosophie von Jim Rohn hat Millionen Menschen geholfen, ihr Leben zum Besseren zu verändern. Finden Sie heraus, was er für Sie tun kann!

 
 Jim Rohn (1930 - 2009) war mehr als 40 Jahre lang weltweit als Motivationsredner und 

 
 -trainer aktiv und hatte entscheidenden Einfluss auf die Entwicklung von Motivationstraining und Motivations-Coaching. Viele bekannte Motivationstrainer und Autoren, darunter Tony Robbins, Brian Tracy, T. Harv Eker oder Jack Canfield, erkennen den Einfluss von Rohns Arbeit auf ihre Karrieren an.

Kraftvolle Ideen von Amerikas führendem Wirtschaftsphilosophen

7 Strategien für Glück & Wohlstand

Steuerpflichtig oder nicht?
Die Antwort auf diese Frage hängt von zwei wesentlichen Punkten ab:
<ul>
<li>Liegen Ihre Einkünfte über dem Grundfreibetrag?</li>
<li>Seit wann sind Sie im Ruhestand?</li>
</ul>

Schrittweise leitet Sie dieser Ratgeber durch die Berechnung Ihres zu versteuernden Einkommens und gibt Hilfestellung bei Ihrer Steuererklärung.

<ul>
<li>Wichtige steuerliche Änderungen</li>
<li>Haushaltsnahe Beschäftigungsverhältnisse und Dienstleistungen</li>
<li>Sonderausgaben (z. B. Kirchensteuer, Spenden)</li>
<li>Außergewöhnliche Belastungen (z. B. Krankheitskosten, Pflegeaufwendungen)</li>
</ul>

Für Ihre Steuererklärung 2026

Steuerratgeber für Rentner und Ruhestandsbeamte - Ausgabe 2027

In einer Welt, in der Künstliche Intelligenz, Blockchain und Big Tech die Märkte in Rekordtempo umwälzen, stellt sich für Anleger nur eine Frage:&nbsp;
 

 Wie unterscheidet man einen nachhaltigen Trend von einer gefährlichen Spekulationsblase? "Tech Money" liefert die Antwort durch ein messerscharfes, datenbasiertes System. Anstatt auf vage Prognosen zu setzen, führt Igor Pejic die Leser durch 100 ausgewählte Charts, welche die verborgenen Muster der Technologiezyklen offenlegen. Sie lernen nicht nur, die Mechanismen hinter exponentiellem Wachstum zu verstehen, sondern entwickeln eine klare Strategie für den idealen Ein- und Ausstieg. Dieses Buch ist der strategische Masterplan für alle, die technologische Disruption nicht nur beobachten, sondern aktiv zur massiven Vermögensbildung nutzen wollen.

In einer Welt, in der Künstliche Intelligenz, Blockchain und Big Tech die Märkte in Rekordtempo umwälzen, stellt sich für Anleger nur eine Frage:&nbsp;
 
 Wie unterscheidet man einen nachhaltigen Trend von einer gefährlichen Spekulationsblase? „Tech Money“ liefert die Antwort durch ein messerscharfes, datenbasiertes System. Anstatt auf vage Prognosen zu setzen, führt Igor Pejic die Leser durch 100 ausgewählte Charts, welche die verborgenen Muster der Technologiezyklen offenlegen. Sie lernen nicht nur, die Mechanismen hinter exponentiellem Wachstum zu verstehen, sondern entwickeln eine klare Strategie für den idealen Ein- und Ausstieg. Dieses Buch ist der strategische Masterplan für alle, die technologische Disruption nicht nur beobachten, sondern aktiv zur massiven Vermögensbildung nutzen wollen.

Börsenerfolg mit Alphabet, Nvidia und Co

Tech Money

DK How Stuff Works

Investing isn't just for the rich. It's for everyone who wants to grow their money - in a smart and sustainable way.From compound interest to index funds, How Investing Works demystifies the complex world of investing with clear, visually-led explanations. Using the series' signature mix of infographics, charts, and easy-to-follow diagrams, this book turns financial theory into practical knowledge.Whether you are saving for your first home, investing for retirement, or simply trying to make your money work harder, this guide shows how to build a strong foundation, avoid common mistakes, and stay on track through life's ups and downs. Discover how markets function, what terms like "diversification" and "risk tolerance" really mean, and why long-term thinking always beats chasing quick wins. With sections on behavioural psychology, ethical investing, cryptocurrency, and global strategies, How Investing Works equips you with the tools to grow your wealth and invest with confidence.

The Concepts Visually Explained

How Investing Works

'Investors of all ages would benefit from reading Mr Maggiulli's book.' Wall Street Journal THE NEW YORK TIMES BESTSELLER Why do some people continue to build wealth, while others get stuck? Most money strategies fail because they don't adapt to their creator's changing financial circumstances. As you get richer, the tools you once used to get ahead stop working: you need fresh strategies that suit your new level of wealth. Enter The Wealth Ladder. It breaks wealth into six distinct levels, with tailored advice for every stage - all to offer a new philosophy for earning, spending and investing money. The only question left is, are you ready to climb? 'Highly recommended' William Bernstein, author of The Four Pillars of Investing 'Refreshingly honest' Annie Duke, author of Thinking in Bets 'An incredible book' Lawrence Yeo, author of More to That

Proven Strategies for Every Step of Your Financial Life

The Wealth Ladder

Create a profitable investment portfolio from scratch with this accessible guide.

While investing is a lucrative means of making money, it can feel confusing and intimidating to amateur traders and investors who lack a financial background. Investing Explained 2e shows you how to take control of your money and make confident, informed investing decisions, whether you're just starting out or refreshing your strategy. 

Using plain language and clear explanations of complex topics, MoneyWeek journalist Matthew Partridge reveals all the ins and outs of the profession, showing how private investors can capitalise on changes in technology, regulation and access to information to make highly profitable investments from the comfort of their own home.

Updated with new chapters on cryptocurrency and ethical investing, this clear, practical guide gives you the tools to invest wisely, avoid common pitfalls and build a strategy that works for you, whatever your level of experience. 

Themes include: investing for beginners, stock market basics, cryptocurrency, ethical investing, financial literacy and DIY investing

The Accessible Guide to Building an Investment Portfolio

Investing Explained

Dive into the world of Ripple and its native digital asset with The XRP Army: A Comprehensive Guide to Cryptocurrency. As one of the most prominent and hotly debated digital currencies, XRP has built a massive, dedicated community and established itself as a leader in revolutionizing global finance. This comprehensive guide provides everything you need to know to understand, evaluate, and navigate the XRP ecosystem.
Inside this book, you'll discover: ¿ The Fundamentals of XRP and Ripple - Understand the crucial differences between the Ripple technology company and the XRP ledger, and how they work together to facilitate lightning-fast global payments. ¿ The Power of the XRP Army - Explore the passionate and vocal community behind XRP, how they drive adoption, and their impact on the broader cryptocurrency market. ¿ Cross-Border Payments &amp; Banking Integration - Learn how XRP is designed to bridge traditional financial institutions with the future of digital finance, drastically reducing transaction costs and settlement times. ¿ Navigating the Regulatory Landscape - Gain insights into the legal and regulatory challenges facing XRP and what these landmark cases mean for the future of the cryptocurrency industry. ¿ Investment Strategies &amp; Market Trends - Discover practical insights on how to assess XRP's value, manage investment risks, and diversify your crypto portfolio safely.
Whether you're a newcomer to the crypto space or a seasoned investor looking to deepen your understanding of Ripple's unique ecosystem, this book equips you with the knowledge to navigate the market confidently. Explore the future of global finance with The XRP Army.

A Comprehensive Guide to Cryptocurrency

The XRP Army

Build lasting wealth for yourself and your family through proven wealth creation principles In The Generational Wealth Code: A Tax-Smart Roadmap to Financial Independence, four financial professionals, each with a distinct perspective shaped by their own stage of life and area of expertise, provide actionable guidance that helps you and your family create a legacy of wealth, stability, and opportunity. Stagnant wages, crushing student loan debt, rising housing costs, and record levels of consumer debt have made it harder than ever for families to get ahead-this book helps readers become financially independent so that they can make the most informed decisions in all facets of their lives, and thrive at a time when many are simply trying to survive. Readers will learn about: <ul> <li>Financial Independence (Point X)-literally and fundamentally the point at which we can stop working for our money, and our money starts working for us</li> <li>The Generational Wealth Code represents the set of guiding principles and disciplined financial behaviors that, when practiced consistently, can help transform income and assets into enduring, multi-generational wealth</li> <li>12 critical areas of wealth management, which include living within your means, understanding taxes, determining your financial position, managing debt, insuring your health and life, protecting your property with insurance, paying for college, planning for retirement, managing your investments, preserving your estate, investing in real estate, and the time value of money</li> <li>Taxes are your biggest expense, and ways to reduce your bill across all of the different types of taxes through tax-smart strategies</li> </ul> The Generational Wealth Code earns a well-deserved spot on the bookshelves of all individuals, no matter their current level of wealth or income, who are looking for concrete strategies to start improving their finances today. John Vento, John Vento Jr., and Nicole Vento are Registered Representatives offering securities through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. Registered Branch Addresses: 95 New Dorp Lane, Staten Island, New York, 10306 | 3700 S Ocean Boulevard St 809, Highland Beach, Florida, 33487. Christine Vento Conway is not affiliated or registered with Cetera Wealth Services, LLC. Any information provided by this individual is in no way related to Cetera Wealth Services, LLC or its registered representatives. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Wealth Services, LLC nor any of its representatives may give legal or tax advice.

A Tax-Smart Roadmap to Financial Independence

The Generational Wealth Code

Fear destroys more wealth than market crashes. 

Eric Maldonado learned that at nine years old, watching his grandmother lose her fully paid-off home to foreclosure. Not from a disaster. From a handful of financial decisions made alone, without anyone to call, driven by fear and confusion. That experience shaped everything about how he works. He spent more than a decade as a fee-only, fiduciary CFP® helping people who came into real money suddenly: inheritances, business sales, decades of saving that finally added up. In The Fearless Wealth Plan, he writes about what he's seen and what actually helps.

The book isn't about picking stocks. It's about learning to invest despite fear.

He starts not with numbers but with what a person actually cares about. When you know why you're investing, sitting through a 30% drop becomes something you can do. Without that, even a solid strategy falls apart when things get uncomfortable. The chapters work through the obstacles that wreck most wealth-building plans: the complexity trap and why simple, low-cost index ETFs outperform elaborate strategies almost every time; the emotional spiral of fear and FOMO; what to do when you suddenly have more money than you've ever had; the cost of having no one in your corner; and the harder question of whether your money actually reflects what you believe.

A Simple Guide to Achieving Your Financial Goals Without Losing Sleep

The Fearless Wealth Plan

Master Essential Money Skills for Lifelong Financial Success

Money and Wealth as a Young Adult From the Ground Up

The Millionaire Upstairs

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