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

Inflation doesn’t just raise prices—it erodes wealth quietly, relentlessly, and often invisibly. Paychecks grow but buy less. Portfolios rise on paper but lose purchasing power in reality. Fees, lifestyle creep, emotional investing, and poor planning widen the cracks. The real enemy of financial security isn’t volatility—it’s erosion. The Erosion Factor reveals how hidden leaks drain wealth faster than most people realize, and how to seal them before compounding turns cracks into fractures. Written in a direct, conversational tone, this book blends real-world examples with clear ...

Most people work longer hours, spend more money, and still feel trapped. They buy the car, the house, the clothes, and the vacations, believing they are moving closer to wealth—yet discover they are only moving further away from freedom. The Luxury of Freedom dismantles the myths of status-driven success and reveals a practical blueprint for building true independence in an age of inflation and rising costs. This is not another book about budgeting tips or vague motivational slogans. It is a direct, no-nonsense guide that reframes wealth as autonomy rather than accumulation. Each chapter ...

Money is only as valuable as the life it makes possible. In a world where prices climb steadily and time slips away, the challenge is not just saving enough but spending wisely—before opportunities pass. The Longevity of Wealth redefines what it means to be truly rich. This timely and practical guide shows how to balance financial security with intentional living, helping readers resist the silent erosion of inflation and the louder pull of delay. Drawing on research in psychology, economics, and behavioral science, the book reveals why experiences outlast possessions, why timing matters ...

Money is not just currency—it is life energy on loan. Every purchase represents hours of time exchanged, and every unnecessary expense drains freedom that can never be regained. In today’s inflationary world, where costs rise faster than paychecks, consumer culture turns small leaks into compounding losses. The Anti-Consumer Handbook offers a bold, practical framework for resisting these pressures, showing how to reclaim autonomy, preserve resilience, and live richer with less. This is not another budgeting manual or generic personal finance guide. It is a direct challenge to the ...

Markets rise and fall. Headlines provoke fear and greed. Narratives promise shortcuts to fortune. But wealth that endures is not built on feelings, forecasts, or fads. It is built on arithmetic. The Relentless Math of Money strips away the myths of investing and shows why only numbers—probabilities, compounding, savings rates, inflation adjustments—determine long-term outcomes. In this pragmatic, plainspoken guide, readers discover how to build financial resilience by thinking mathematically, not emotionally. Each chapter tackles one of the core arithmetic principles that quietly govern...

Cashflow is the oxygen of financial survival. Without it, households suffocate—even if their net worth looks impressive on paper. Cashflow as Oxygen is a guide to keeping money moving in real time, especially when inflation, rising costs, or unexpected crises tighten the noose on family budgets. This book redefines wealth, showing why liquidity—not accumulated assets—is the true measure of resilience. With a conversational, pragmatic tone, it equips readers to design household systems that breathe steadily no matter how thin the economic air becomes. Inside, readers will discover: Why...

Prosperity is often sold as a race to earn more, buy more, and display more. Yet history, math, and human behavior all point to a different truth: wealth lasts longest when it is protected by subtraction. Wealth by Subtraction reveals why cutting costs and liabilities is not deprivation but strategy—the quiet discipline that transforms fragile households into resilient ones. Through clear explanations and compelling stories, the book shows how everyday choices—housing, cars, food, subscriptions, even career paths—either drain wealth or compound it. Each chapter unpacks a hidden trap ...

When inflation strikes, money loses its strength quietly but relentlessly. Prices climb, savings shrink, and investments wobble. Most households react with fear, guesswork, or costly mistakes. But the truth is clear: wealth doesn’t vanish because of inflation alone. It vanishes because of indiscipline. The Wealth of Discipline: Rules That Keep Your Money Safe When Inflation Attacks is a practical, straight-talking guide to building financial resilience in uncertain times. Instead of chasing fads or relying on emotion, this book lays out a blueprint of discipline—rules and routines that ...

Wealth doesn’t have to be loud, flashy, or risky. In fact, the fortunes that endure are usually invisible until the very end. The Silent Fortune reveals how ordinary households—teachers, nurses, mechanics, entrepreneurs—quietly build financial independence that withstands inflation, market crashes, and cultural pressure to consume. Through simple, repeatable habits, they plant seeds of resilience that grow across decades into extraordinary outcomes. This book is not about complicated investment schemes or one-time windfalls. It is about restraint, patience, and discipline applied over...

Debt has been sold as normal. Credit cards are marketed as freedom. Car payments are treated like a rite of passage. Student loans are framed as investments. And minimum payments? The biggest trap of them all. Debt-Free Living Starts Now rips through the myths, exposes the lies, and shows you how to kill debt once and for all—without gimmicks, without fluff, and without pretending the system isn’t rigged against you. This is not another “feel good” finance book telling you to skip lattes and wait for miracles. This is a blunt, no-nonsense playbook written in the voice of someone who...

Camping should be for everyone—not just those who can hike for miles or lift heavy packs. Camp Lightly offers a radically practical guide to making the outdoors truly inclusive for people who move differently, live with chronic pain, or navigate fluctuating mobility. With warmth, humor, and the wisdom of lived experience, this book replaces outdated endurance-focused advice with adaptive strategies that put comfort, autonomy, and joy at the center of every trip. From choosing gear that supports your body to setting up camp without overexertion, every chapter delivers solutions that ...

In an age where screens are ubiquitous, Device Rites offers a grounded, compassionate guide to raising conscious kids in a wired world. This book navigates the complexities of technology’s role in childhood and adolescence without alarmism or digital abstinence, emphasizing rituals that build presence, trust, and balance. Each chapter explores a developmental milestone—from the first screen exposure in infancy through social media initiation and digital autonomy at graduation—revealing how intentional family practices can shape healthy relationships with devices. Drawing on the latest...

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...

Most financial plans are built for calm seas. They look stable until inflation rises, markets swing, or a crisis erupts—then they shatter like glass. The Antifragile Wallet offers a radical alternative: a financial design that does not merely survive volatility but grows stronger because of it. Drawing on history, behavioral research, and practical strategies, this book shows how to transform inflation, downturns, and chaos into catalysts for growth. Instead of relying on prediction or stability, antifragile systems thrive on uncertainty. They bend, adapt, and even strengthen when tested....

In every era, from ancient empires to modern markets, inflation has silently eroded savings, speculation has lured dreamers into ruin, and financial chaos has tested households. Yet some families, investors, and communities endure across generations. Their secret is not luck, prediction, or clever schemes—it is discipline. The Stability Code reveals the timeless rules of wealth that resist erosion, outlast chaos, and provide resilience even in the harshest economic storms. Written in clear, direct language, this book translates complex financial history into practical lessons. It ...

Every decision about money carries an invisible script. These scripts—written in childhood, reinforced by culture, and shaped by experience—quietly dictate how people earn, spend, save, and invest. They explain why two families with the same income can live radically different financial lives. Some hoard out of fear. Others overspend to feel worthy. Many inherit cycles of debt, scarcity, or reckless growth without ever realizing they are following someone else’s code. Rewiring Your Financial Code shows how to expose and rewrite these hidden programs. Drawing on behavioral research, ...

Most people live on a treadmill, trading hours for dollars while running faster just to stay in place. Paychecks vanish the moment labor stops, leaving households exposed to inflation, layoffs, or market shocks. Endless Flow offers a practical roadmap to escape wage dependency by creating income streams that endure without constant effort. Drawing from history, case studies, and modern examples, the book dismantles myths around hard work as the sole path to security. Instead, it shows how ownership systems—rentals, royalties, digital platforms, dividends, and licensing—generate revenue ...

Inflation doesn’t just eat away at money—it erodes confidence. When prices rise and markets swing, most households freeze, waiting for stability that never comes. The Confidence Dividend shows how conviction itself becomes the most powerful form of financial capital. Anchored in daily rituals, evidence-based belief systems, and disciplined long-term action, this book reveals how confidence multiplies resilience faster than inflation can erode it. Drawing on behavioral economics, historical case studies, and psychological insights, each chapter explains how belief drives bold decisions. ...

Success has been sold to us in the shape of square footage, horsepower, brand names, and digital applause. Yet possessions corrode, luxuries age into obligations, and wages are silently gnawed away by inflation while hours—the only nonrenewable currency—vanish irretrievably. Own Time, Not Things dismantles the cultural mirage that equates wealth with accumulation and offers a sharper, more unsettling proposition: real prosperity is measured not in what you can buy but in how little of your life is mortgaged to someone else’s schedule. This book unravels the grind ideology that ...

Inflation is the investor’s oldest adversary, yet the true destroyer of wealth is not rising prices but the human impulse to react hastily to them. The Investor’s Restraint reveals why patience—not speed, not clever prediction, not fashionable hedges—remains the only shield capable of preserving and compounding capital across decades of turbulence. Written in a voice that is both erudite and darkly ironic, this book dissects the behavioral traps that inflation sets: panic selling, hype chasing, overtrading, herd-following, and the endless search for “safe havens” that collapse ...