The Difference by Jean Chatzky

This book is available as a PDF download RIGHT NOW from – become a member (for free) if you are not already, and GO GET IT! In these financially tough times, being offered free help is awesome!  Here is a clip from the foreword of the book:

“A study of more than five thousand individuals, conducted by Harris Interactive in cooperation with Merrill Lynch, has torn the covers off the four groups of people who make up the new economic strata in America today. They are:

The wealthy (W)

The financially comfortable (FC)

The paycheck-to-paychecks (PTPs)

The further-in-debtors (FIDs)

We now know that the people who have achieved both financial comfort and wealth are distinctly different from those who are struggling paycheck to paycheck or sinking further into debt each month.

They are different in their attitudes, behaviors (financial and nonfinancial), personalities, and goals.

The financially comfortable and the wealthy tend to be more passionate about what they do in life, they are more optimistic, and they are more resilient—able to overcome whatever obstacles life throws their way. They are more visionary—able to see things in a slightly different and improved way, if not a new way altogether. They are more connected to others in their professional and personal lives, and they have greater confidence in those relationships, as well as in their lives overall. And they are grateful—incredibly grateful—for the good fortune life has thrown their way.

They are also more likely to come at life with a different mind-set and a different set of skills. They tend to be goal setters who figure out what they want in life and then make a plan to go after it. They are dogged workers (and often need less sleep). The comfortable and wealthy take more risks than the average person, but they listen to their own voices and those of people they trust in order to be as certain as possible that those risks are appropriate for their stage in life or work. And they are always on a quest to learn something new.

The good news: These are all things

you can learn. Although some people are born with, say, more optimism, it—like every other attribute or skill on this list—can be taught.

And that is what The Difference is all about. [The] book is devoted to teaching you how to uncover your nascent talents and develop those abilities. You will discover the latest psychological and academic findings, complete exercises that are easy to incorporate into your everyday life, and read stories of people who’ve done precisely what you want to do. They’ve harnessed the power within and used it to reach the same goals you have: financial comfort and long-lasting wealth.

Go download the book right now!