Building Wealth

From Ramen to Riches: Building Wealth in Your 20s is a  personal finance book that helps people learn how to manage their money and build wealth for the long term. Most 20-somethings in this country have a realistic potential to retire as a millionaire, if only they start early and develop good habits with their money. From Ramen to Riches will show you how.

Though aimed at young adults aged 18-30, the concepts are relevant for anyone wishing to get a grip on managing their money and learning how to become financially independent.

From Ramen to Riches  won a silver medal in the 2011 Living Now Book Awards and was a Finalist in the Next Generation Indie Book Awards for 2011.


“You mean to tell me you’ve been employed as a software engineer for five years and your net worth is $500?” These are not the words you want to hear from your mortgage banker when you’re looking to borrow a large sum of money.

Despite a well-paying job, the author had managed to spend everything he had earned in the five years after college. The meeting with the mortgage officer was his financial epiphany. He finally got serious about managing and investing his money. Now in his early 50s, the author is debt free, owns a house free and clear, and has built a retirement portfolio that will comfortably sustain him and his wife in the coming years.

This book helps people learn to successfully manage their money and avoid the financial mistakes that the author made during those first few years of his working life. In a breezy, humorous, and conversational style, it describes a common-sense approach to spending, saving, and investing your money to get rich slowly, but surely.

Discover …

  • How your financial philosophy and a Life Vision influences your spending.
  • The basic rules of managing your money, including budgeting, eliminating debt, preventing identity theft, and managing your credit.
  • Why Uncle Sam is your friend … or not.
  • How to spend your money in a way that sets you on a path to financial freedom.
  • Dozens of tips for saving money.
  • The shocking story of the $6,745,171 car collection.
  • Whether it really is home, sweet home.
  • How bonds let you be the lender.
  • Why stocks rock! (and sometimes shock).
  • What is your magic number to kiss work goodbye?
  • Where to stash your bags of cash.

Did any of your classes in high school or college teach you how to save, manage, and invest your money to set you on a path to financial independence? Would you like to learn how to sidestep the stress and anxiety that comes with debt and being financially out of control? Would you like to know how to have money work for you and not the other way around? I invite you to read Chapter 1 of From Ramen to Riches: Building Wealth in Your 20s

Read Chapter 1 >


  • On cars: “Here’s the bottom line for the guys out there. If you want to be a chick magnet for superficial reasons, I can assure you that in 10 years most women will be more impressed with the size of your bank account than the size of your … car engine.” (p. 105)
  • On generics: “Use the generic store brands where possible. Granted, some things in life you just don’t compromise on. For me, one of those things is Charmin (enough said). However, there are many store brand items that contain exactly the same ingredients as the national brand, so there’s no reason to pay more.” (p. 86)
  • On understanding your credit score: “A landlord will not be eager to rent to you if you have a lousy credit score because he or she will be concerned about your dependability in paying the rent every month. An employer might check your credit report and be reluctant to hire you because they might figure that if you’re a deadbeat in managing your finances, you’re unlikely to ever become “Employee of the Month.” (p. 37)
  • On stocking up on staples during a sale: “I confess that I’m sometimes a bit too clever for my own good. My seven-year-old son was on a baked beans kick for a while. He’d consume an entire can at one sitting. When the beans went on a half-off sale, I of course bought everything on the shelf — 25 cans in all. The following week the boy decided he didn’t like them anymore. So Dad is now getting to rediscover the culinary joys of baked beans for himself. The good news is the cans have a three-year shelf life, which is about how long it’ll take me to choke them all down.” (p. 14)
  • On understanding taxes: “For most people, a discussion  on taxes is about as exciting as surfing the web on a dial-up modem. Unless you’re a math geek, it’s hard to get the adrenaline flowing while pondering tax credits and deductions. Therefore, I recommend that you have two essential tools by your side before wading through this chapter: (1) Your salty snack of choice; and (2) Your favorite beverage.” (p. 49)


I found ‘From Ramen to Riches’ very easy to read and extremely practical for a young person starting a career… I would recommend this book for any college student or recent graduate. For that matter, I am certain it will be valuable for anyone wanting to rethink his or her financial situation and future.” — David Pyke, Dean, School of Business Administration, University of San Diego

Smart people know things, geniuses make it simple. Jim is a true genius at sharing the straightforward ‘secrets’ to wealth creation. With wit and insight, he draws a map and hands readers a GPS and flashlight for finding their own treasure. No matter how old you are, this is one adventure you will want to take!” — AmyK Hutchens, Speaker & Author; Christopher Bush, Managing Partner and Business Strategist, AmyK, Inc.

An action-oriented approach that encourages the reader to DO SOMETHING instead of simply read the book. It was easy to swallow and practical. Any 20-something would be lucky to start out with a great resource like this!” — Stacy, age 27

This book is essential for anyone who wants to get a grip on managing their money. The author makes the concepts simple to understand. And, it’s entertaining and funny too!” — Anne B. Wenzel, CPA

Please read Chapter 1 or visit the book’s Amazon page to take a “test drive” and learn more.


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