You’re Not Broke, You’re Stupid

The Brutal Truth About Debt, Discipline, and Why Your Excuses Keep You Poor

De: Mick Southerland

Narrado por: Virtual Voice

If you’re in debt, you’re not unlucky—you’re undisciplined. You’re not broke—you’re stupid. And until you admit that, you’ll keep feeding the banks, coasting on minimum payments, and lying to yourself while your future rots.

You’re Not Broke, You’re Stupid doesn’t hold your hand. It doesn’t coddle. It doesn’t whisper affirmations while interest drains your paycheck. This book is a blunt, brutally honest guide to killing debt fast, destroying the excuses that keep you poor, and finally building a life that isn’t owned by lenders.

Inside, you’ll confront the lies you’ve been living:

• Why debt is not “normal,” it’s engineered bondage—and you volunteered

• How minimum payments are a designed failure that keeps you enslaved for decades

• Why chasing points, perks, and credit scores is financial cosplay—not wealth

• How to stop pacifying your emotions with spending and start facing reality

• The avalanche vs. snowball debate—and why the method doesn’t matter if you never act

• Why your friends might secretly be liabilities pulling you deeper into chains

• The real reason you overspend on cars, vacations, and luxuries you can’t afford

• How to negotiate medical bills, avoid payday loan traps, and stop co-signing your future away

• The systems, automation, and discipline that guarantee progress even when motivation dies

This isn’t theory. It’s a manual forged from the reality of people who stayed chained for decades and those who got angry enough to fight. You’ll learn from their failures, their wake-up calls, and their victories.

If you want comfort, this isn’t your book. If you want excuses, look elsewhere. But if you’re done pretending, if you’re sick of the stress, if you’re ready to stop performing wealth and actually build it—this is your wake-up call.

Debt doesn’t die politely. You kill it. Burn it. Bury it. And you start now.