Showing results by author "Owen L. Hartwell" in All Categories

The United States sits atop $37 trillion in federal debt, compounding at a pace that no tax receipts, budget cuts, or political promises can reverse. Interest payments already rival defense spending, and the government depends on constant new demand for Treasuries to keep the machine alive. But what happens when that demand falters—and foreign creditors no longer line up to finance America’s deficits? This book delivers a provocative answer: the U.S. could execute the largest default in history without ever admitting it, using stablecoins and tokenized Treasuries as the escape valve. By...

Most people fail with money not because they lack intelligence, but because they rely on willpower. Budgets collapse, savings stall, and discipline evaporates under stress. Yet a quiet alternative exists: automation. When designed with intention, automated systems silently direct paychecks, eliminate debt, grow investments, and shield wealth from inflation. They never tire, never forget, and never give in to temptation. Automated Wealth is a practical guide to building financial systems that work in the background while you live your life. Instead of daily effort, you’ll learn how to set ...

Inflation eats quietly at your paycheck, savings, and long-term plans. Most people do nothing—and lose ground every year without realizing it. The 1% Adjustment Rule reveals a simple, repeatable system for taking back control. You don’t need radical overhauls or crash budgets. You need small, consistent shifts that compound into resilience. This book shows why standing still is the most expensive choice and how one percent adjustments create permanent financial defense. Through engaging stories, clear math, and practical steps, you’ll learn how to beat inflation by inches, not leaps. ...

Discover the timeless partnership of honey and herbs—nature’s most trusted healers—in Healing Honey & Herb Blends. This comprehensive guide shows you how to create potent, delicious remedies that support immunity, soothe digestion, calm stress, nourish skin, and promote overall wellness. Drawing on centuries of traditional medicine and modern botanical understanding, each recipe and method blends the sweetness of pure honey with the therapeutic power of carefully chosen herbs. You’ll learn how to select the right honey for maximum medicinal benefit, choose herbs tailored to specific...

This book is not about chasing fads. It is about building durable wealth through clarity. From the failures of stock picking and market timing to the guaranteed losses of fees, every chapter demonstrates why simple, rules-based investing outlasts Wall Street’s most elaborate tricks. Drawing on lessons from global inflationary crises, market history, and behavioral psychology, the book shows how ordinary savers can secure extraordinary outcomes by refusing to complicate what does not need to be complicated. Inside, readers will discover why index funds beat almost all active managers, how ...

Most people think wealth is about earning more, buying more, and showing more. They mistake high salaries, flashy cars, and expensive homes for financial security. But real wealth works differently. It’s invisible, built on rules most never see—rules about taxes, timing, and inflation that quietly determine who keeps their fortune and who loses it. Invisible Wealth pulls back the curtain on the forces that erode or protect money across decades. Written in a clear, direct style, this book shows how governments, banks, and tax codes shape outcomes long before individuals make choices. ...

Every fortune begins with a single choice. Not a lottery ticket, not a bold leap, but a small, repeated decision made day after day. The Compound Effect of Small Choices shows readers how the quiet power of tiny daily actions can create a fortress of wealth strong enough to withstand even the relentless drag of inflation. In clear, conversational language, this book strips away jargon and academic complexity to reveal how real financial security is built. Readers learn how the unnoticed leaks in their budgets—subscriptions, fees, casual spending—silently erode wealth over decades. They ...

Anger feels endless when it arrives—face flushed, chest tight, words rushing to your tongue before reason can intervene. But neuroscience reveals something astonishing: the chemistry of rage is self-limiting. If left alone, it burns through the body in just ninety seconds. The problem is not the surge—it is what we do to keep restarting it. The 90-Second Caveman is a science-driven, clear-eyed exploration of anger’s biology and how to live sanely with it. Drawing from cutting-edge neuroscience, psychology, and real-world case studies, this book dismantles myths about fury and replaces...

Most people live under financial gravity. Debt, interest, and inflation pull them down month after month, trapping them in orbits of stagnation. Paychecks disappear, savings erode, and progress feels impossible. Yet just as rockets escape Earth’s pull through sustained thrust, households can escape financial gravity through momentum. This book shows how. Financial Gravity: Harnessing Momentum to Escape Debt and Accelerate Wealth redefines personal finance in clear, everyday language. Instead of abstract theory or one-size-fits-all advice, it delivers a framework built on momentum: small, ...

Why do so many people with rising incomes still feel like they are falling behind? Why does inflation spark fear that outpaces the math? The Psychology of Enough tackles these questions with clarity, blending behavioral science, history, and lived experience into a practical guide for navigating money in uncertain times. This book challenges the instinct for endless accumulation, showing how the drive for more creates fragility instead of security. It explains why financial strategies built only on spreadsheets often collapse when emotions take over, and why defining sufficiency transforms ...

Exponential growth is the most misunderstood force in human history. We prepare for straight lines, but the world moves in curves. The Bitcoin Flood reveals why this blind spot matters now more than ever. From the stadium riddle where a single drop doubles until it swallows an arena, to the halving clock that cuts Bitcoin’s supply every four years, this book explains how mathematics—not belief—dictates the trajectory of the world’s first digital money. Across thirty tightly argued chapters, readers are guided through Bitcoin’s three exponential pillars: programmed scarcity, ...

Women have always carried immense financial responsibilities—managing households, balancing careers, and stretching budgets when costs rise. Yet too often, they have been excluded from wealth-building conversations or told that money management means only “saving and budgeting.” The Ownership Principle rewrites that script. This empowering and pragmatic guide shows women how to claim ownership as the foundation of wealth, resilience, and independence in an era of persistent inflation. Each chapter is built on a simple idea: ownership transforms fragility into strength. Whether it’s ...

In a world that glorifies burnout and calls it ambition, Wealth Without Hustle dismantles the cult of “rise and grind” and offers something infinitely more durable: systems, leverage, and scalable freedom. This book is not another productivity manual preaching early mornings and longer hours. It is a rigorous, sardonic, and deeply analytical exploration of why endless work fails under the weight of inflation, diminishing returns, and sheer human limitation—and how true wealth arises when architecture replaces exhaustion. Drawing from history, economics, and the lived case studies of ...

Wealth is not a number on a bank statement. It is a system, a rhythm, a design. Wealth by Design: Creating a Shared Financial Plan That Outlasts Inflation is a radically fresh guide for couples who want more than financial survival—they want coherence, resilience, and joy in the face of rising costs. Inflation is not new, and it is not going away. Prices climb, salaries stall, and cultural pressures whisper that the answer is simply to consume more. But what if wealth could be redefined as a shared architecture, designed not to crumble under inflation but to evolve with it? This book ...

Discover the hidden pharmacy waiting just beyond your back door. Healing Roots & Leaves is your complete guide to identifying, cultivating, harvesting, and preparing powerful plant remedies—right from your own garden. Drawing on centuries of herbal tradition and supported by modern insights, this richly detailed book walks you through every stage of plant medicine making, from soil preparation to sustainable harvesting and precise preparation techniques. Inside, you’ll learn how to unlock the medicinal potential of both familiar and lesser-known plants. Explore the best times to harvest...

What if inflation didn’t have to erode your future, but could be turned into fuel for your wealth? The Asset Mindset reveals how to think like an owner in a world designed to keep most people as consumers. While consumers trade time for depreciating purchases, owners position themselves to profit as inflation drives up the value of assets. This book offers a blueprint for breaking free from wage dependence and building streams of income that endure. Across thirty chapters, readers learn how inflation transfers wealth from savers to asset holders, why cash flow—not net worth—is the ...

Everyday investors face two silent enemies: inflation and unnecessary costs. Both erode wealth quietly, year after year, often more damaging than dramatic market crashes. The Relentless Investor is a clear, pragmatic guide to outlasting those forces by leaning on discipline, patience, and the quiet compounding power of low-cost investing. Drawing on a century of market evidence, the book dismantles common myths about beating the market, market timing, and complex financial products. It demonstrates, with examples from U.S. inflation in the 1970s to the global financial crisis of 2008, how ...

When global pop icon Taylor Swift and NFL star Travis Kelce unexpectedly collided in the spotlight, the result wasn’t just viral—it was transformative. Love on and Off the Field: The Travis & Taylor Story unpacks the layered, unscripted, and intensely watched relationship between two of today’s most celebrated figures. Far from tabloid fluff or speculative drama, this deeply reported and sharply written biography explores how two independent forces built something meaningful in a world obsessed with performance, perfection, and publicity. From Swift’s evolution from Pennsylvania ...

Modern life bombards us with money choices. Pay the bill now or later? Save or spend? Cut back or enjoy? In a world of inflation, unstable jobs, and rising stress, most people rely on willpower and traditional budgets—and fail. The Wealth Operating System offers a radically different approach. This groundbreaking book introduces the idea of a financial operating system: a set of automated, values-driven rules that manage your money quietly in the background, just as the software on your phone keeps everything running. Instead of guilt-based budgets that collapse under stress, you’ll ...

Cities are both humanity’s greatest achievement and its most precarious gamble. Skyscrapers, highways, and power grids have been celebrated as symbols of progress, yet they remain brittle infrastructures that buckle under heatwaves, pandemics, and inflationary shocks. The Architecture of Sunlight: Solarpunk Principles for Regenerative Cities offers a radical reframing: what if urban environments could metabolize energy, water, food, and culture with the same resilience as ecosystems? What if the city itself could become regenerative, not extractive? This groundbreaking work explores how ...