It’s a classic chicken-or-the-egg situation: For most people, an increase in self-esteem and self-worth is a necessary condition for increasing wealth; on the other hand, greater wealth is often a prerequisite to building self-esteem and self-worth. Break free of this paradox! Charles Richards, author of the #1 bestseller, The Psychology of Wealth, claims that sense of self, self awareness, self recognition, and sense of empowerment are what determine our “sense of wealth” and the very nature of our relationship with money. Additionally, Richards advocates the responsible and systematic use of credit and debt as be useful tools for building personal growth. In other words, it’s not about how much wealth we accumulate, but how we use the money we have.  Who knew?

Learn more from Charles Richards as he explains how debt does not always equal danger, and, in fact, can be used to propel your life forward to realize your financial goals.