Okay, so…

Continuing from part 1, part 2 and part 3 of Young, Financial and Pissed, here’s more of the story behind why I wanna help people in the financial sector.

Money Myth Exploded

In 1936, the middle of the great depression, a man name Louis Even published a brochure, now called "Money Myth Exploded", in he which explains our current debt-based & debt-generating economy.

Basically it`s like this:

A banker, Oliver, on a small island community, introduces a money system for the people that does two things.

1. It made the little island community sink into debt as they entrusted their money to the banker.

2. It allowed the people to enrich the island, by work, so that ‘life’ materially… became better – production was up.

2b. …but never enough to ever get out of debt.

This is exactly what happens in our ‘civilized’ system today, right?

We have credit, interest, banks, etc. – that allow us to go into debt, and also to exchange goods and services.

But our collective national debt, even with everyone working super hard, is large and growing.

… what?

For example…

We’re richer, but poorer.

Canada today is definitely richer in "real, tangible wealth" than it was 100 years ago.

But compare our nations total debt 100 years ago — back then there was like… minimal debt.

Our money-system gained us tangible, material wealth in our country and society, but we’ve also gained debt.

But wait a sec…

Canadians themselves produced an enriched, real-wealth nation by their own labour and creativity and innovation.

They literally contributed to our overall growth= and wealth, creating ‘more’ from ‘nothing’. So why the fuck is our nation in more debt?

Ah, the questions.

Better yet, why are most ‘civilized nations’ in more debt, even as they generate more and more value for the world?

Something is clearly – UP – with our system if it puts the people in debt, who are creating big value.

Even if we somtimes had to get stuff from other countries, we still send goods abroad in response.

Seriously… how do human beings "Building New Shit" result in massive debt, over and over and over?

To ‘create something’ that helps the economy, a "Creative Canadian" may be asked to pay 2-3 times the production cost in interest over the years.

Who is he paying for the priveledge of elevating the community and economy through his innovation?

If our Creative Canadian is creating something that helps the economy, that we didn’t have before — why are they being heavily in-debted to produce it?

Could it be because our entire system is riddled with, and founded on… greed, control, manipulation, fear, shame, guilt, interest, false records and more?

Might there be a more equitable, win-win system available?

After all, we changed our bartering system for this current ‘money system’. So logically, it could transform again, yeah?

Interesting questions, and trying to answer them can take you to all sorts of research and revelations — or they can take you to excuses and dismissals.

It doesn’t matter.

I share these questions here, mostly to stir up emotion – because emotion is beautiful, important, and unlocks people who are sitting around not doing anything or breaking their comfort zones.

It gets people buzzing and sharing, and I wanna bring the roots of our money system out of the dark into the light.

Money’s something that’s never talked about on any deep levels…

Surprise surprise, the roots of our money-system is taboo. Just like the true beauty of sex, not supposed to talk about it, just go about your business.

But we’re changing that right now, together.

We’re taking a deeper looking at money, value, and the economy (and we’ve looked at sex here and here).

Strap in 🙂

I’ve met Marta Nowinska a few times.

If you don’t know, Marta Nowinska is a Toronto chick who left a career in banking, where ‘moolah’ reins supreme, for a social entrepeneurial bartering community.

That’s quite a change.

Could you do it?

Imagine what it`s like to work in the financial sector. Banking or whatever.

Everyone makes decent salaries, yourself included, and because of the decent salaries, you feel like you’ve got "life under control".

And say you don’t have any debt personally, in fact, you have savings.

But the work you do… is it fulfilling?

Or is part of an outmoded system that no longer serves humanity, and is actually harming us in a way.

Imagine you’re a smart, creative person and you go to work everyday and spend your moments pouring energy into a system that sucks hard.

Now take a look at the poor, ignored, unsupport enterpreneur with the new idea, out there on the edge trying to breathe life into his dream.

Are you contributing to the economy as much as the in-debt entrepreneur, creating a new technology that’ll change our lives?

Well, it`s hard to compare, but basically, you know deep down if you`re doing what you`re meant to. Rich people and poor, all can tell if they are ‘feeling fulfilled’ in their life choices.

So maybe you have more creativity and potential and value that’s being unused as you grind away at paperwork. Maybe you’re like Marta, and you see opportunities to make the city, the economy, the world better, but it’s very easy to get comfortable and "stuck" in banking.

And there you are, planted firmly in the financial sector, for whatever reason.

Would you have the courage to chuck it, step out, and create something new, that was not only an anti-banking bartering system, but one that clearly draws on the roots of primitive economies.

Would you have the courage to HELP the economic system in clear ways, rather than participate in one that’s not exactly ‘pure’?

If you did, that’d be considered…


Think about it.

So now I’ve raised some ideas about the roots of our current money-system.

And I’ve given Marta some props for her trying a new way.

Next I’m gonna tell you why even all that doesn’t matter.

It’s cause we’re free.

As individuals, we’re free.

There’s no magic force stopping us from accessing resources or wealth.

Even if it looks that way.

There was a kid in Africa who managed to transform garbage into a resource.

In a system that made it seem impossible for him to ryze up, he did with his own desire, belief, and creative expectations.

‘Cause even in this ‘flawed’ system and horrible ‘oppression’, there are always people who "come from nothing" and end up thriving during all the economic ups and downs. They somehow have everything consistently working to their advantage, gaining help and resources from odd places and in creative ways.

Some people always ryze.

Almost like magic.

And almost all of them learned their money lessons on the streets.

We don’t have a whole lot of deep-level, roots-examing education about money and finance.

We have tons of shallow, "this is how you make compound interest" education, but almost no "human energy + creativity is the heart and soul of our economy, and mastering that, lets you thrive."

We have lots of "handouts" and "hoop-jumping", but how much of it is sustainable, impactful, long-lasting help?

Are we "giving man a fish", or "teaching him to fish?"

Most of our money talk, money education, and money innovation is weak sauce and band-aid solutions, empowering and educating minimally.

But it`s not the only way.

Some peeps choose differently.

Rags to riches, yo.

Some are not as scared, and timid, and they boldly go "outside" our system/society, to learn about money from the hustle.

They learn from the drug game, being homeless, bankruptcy, in heavy debt, evicted, jailed, and being reduced to almost nothing.


Because in for what is a ‘short time’ in most people’s lifespans, this is valuable money-wisdom experience.

And it compels someone to learn really powerful lessons about their own resourcefulness… fast.

And the people who do it?


The ‘rags’ in ‘rags to riches’ is currently our ‘best’ teacher of financial mastery. It teaches deeper and faster and charges you no tuition (besides being ballsy. )

There are other ways to learn. There’s more preferred ways to learn, like maybe… reading a blog post from someone who "gets things".

But how often do we see that?

A lot, actually.

You can see rags-to-riches magic at work in most over-achieving celebs.


…most of us are too busy gossiping about their extreme wealth or bold (and often misguided) self-expression though, to actually look into their life story, their rags to riches journey.

Nope most of our society just envies the riches, instead of examining these people "broke free" of a seemingly broken, oppressive economic system.

There’s countless rags to riches examples. It’s really not hard to notice a pattern and infer that something about being deeply poor injects a person with the qualities, ideas, and lessons needed to hold and channel massive wealth.

If you lined up a bunch of materially successful celebs and average blue-collar workers, and told the kids that the more patterns they find, the more treats and allowance they get…

… they’d very quickly discover the "rags to riches" pattern, that the blue-collar workers are so hell-bent on avoiding the lows, that they never really "do much" with the highs, but the celebs went all out and saw the "lows" as a challenge and believed in their own inner-selves and resources to get through them.

"Entrepreneurship is living a few years of your life like most people won’t so you can spend the rest of your life like most people can’t." – A Warren G. Tracy student.

It seems almost as if hitting that low point is a blessing in disguise, and plants the seeds of financial mastery that blows people’s minds.


  1. Joe Vitale – Homeless to Law Of Attraction legend.
  2. Chris Gardner – Homeless with a child, before hitting it big with his movie Pursuit Of Happyness.
  3. Jay-Z – On a path to jail and close to death many times, living in the projects, Jay-Z left the lucrative drug money behind, and decided to make even more through legal distribution of his music and expanding his empire.
  4. Elvis Presley – "Go back to drivin’ truck, son."
  5. Halle Berry – Homeless in 20s. "It taught me how to take care of myself and that I could live through any situation, even if it meant going to a shelter for a small stint, or living within my means, which were meager. I became a person who knows that I will always make my own way."
  6. Louis Armstrong – No dad, hooker mom, arrested young, married a prostitute.
  7. Napoleon Hill – I can’t even describe the relationship, family, and business ups and downs hill went through before revolutionizing riches for millions and millions of people through his works.
  8. Henry Ford – 5x a broke failed entrepreneur.
  9. R.H. Macy – 7x failed businesses.
  10. Micahel Jordan – Cut from school team. Failed many times. “I have missed more than 9,000 shots in my career. I have lost almost 300 games. On 26 occasions I have been entrusted to take the game winning shot, and I missed. I have failed over and over and over again in my life. And that is why I succeed.”
  11. Soichiro Honda – Rejected, jobless and broke for ages as he made home-made scooters.
  12. Sony – First product: Faulty rice-cooker, 100 units sold… now… multi-billion dollar company.
  13. Edison – 10,000+ failures.
  14. P. Diddy –  Born in a public housing project in Harlem, New York. Currently… wise business mogul and richest rapper… ever. Richer than even Jay-Z, at least on paper. Diddy ain’t go no Beyonce Empire at his side… 😉
  15. Daniel Craig – Now James Bond… critically-acclaimed – used to sleep on park benches as a struggling actor.
  16. Jim Carrey – Lived out of a van on his sister’s lawn. Carrey said it was during these tough financial times growing up when he developed a sense of humor.
  17. Col. Sanders – Start KFC at 50+, 1009 rejections.
  18. Einstein – Stunted child-hood write-off, mute til 4, illiterate until 7. Expelled. Refused school admittance. Took him longer than most, but he caught on pretty well… eh?
  19. Wright Brothers – Tons of failed flying machines, eventual success.
  20. Ella Fitzgerald – Homeless, abused, mafia-tied in younger years.
  21. Steve Jobs – Fired by his own company, eventually bought it back and became a wealthy legend.
  22. Eminem – Poor, trailer-trash life, and massive ‘race-related’ blocks for success in his field. Now? Some say greatest rapper of all time, making paper, yo.
  23. J.K. Rowling – Was nearly penniless, severely depressed, divorced, trying to raise a child on her own while attending school and writing a novel. Rowling went from depending on welfare to survive to being one of the richest women in the world in a span of only five years.
  24. Van Gogh – Absolutely destitute his entire life. Mostly leeched or lived off charity, starving often to complete his pieces – which now gross some of the highest value of any paintings anywhere.
  25. Kelly Clarkson – Poor Texas upbringing, apartment burned down, lived out of car. Now worth 25mil.
  26. Spielberg – Refused entrance to films school 3x. Eventually attended elsewhere, dropped out. Rocked life. Hard.
  27. Stephen King – 30 rejections of his first novel Carrie. The entire industry hating on giving him a chance.
  28. Frank O’Dea – Founder of Second Cup Coffee Chain, was panhandling in his 20s.
  29. Donald Trump – Teetered on the edge of bankruptcy 4x before he nailed down his rock-solid empire.
  30. Tony Robbins – Lived in car, estranged from fam.
  31. Oprah – Went from wearing potato-sack dresses, to media mogul.
  32. Jewel – “I ended up homeless because my boss propositioned me and when I wouldn’t sleep with him he didn’t give me my paycheck,” she said.

“I got kicked out of where I was living and my rent was due that next day.

“I thought ‘Well, I’ll live in my car for a minute… get back on my feet,’ but I had bad kidneys and I never could hold down another job because I got sick so often. I didn’t have insurance and ended up almost dying in the parking lot of an emergency room because they wouldn’t admit me because I didn’t have insurance." – Jewel

That’s 32 easily recognized rags-to-riches stories, and there’s more where that came from.

And it’s only scratching the surface.

So what am I saying…? We all need to hit rock-bottom to achieve our dreams?

Not exactly.

I believe we can all agree that there are More Preferred Ways of understanding money and learning how to attract it and generate it…

… but until someone takes the lead and changes the school system, and books like Think And Grow Rich are instilled in us as early as we learn to play sports, then maybe we can at least…

…embrace these Rags To Riches examples in some way?


Maybe there’s something worth examining there.

Maybe everyone who’s sitting comfortable and is too scared to dip into the depths, might wanna consider that they’re actually holding themselves back from the True Path To Riches?

Maybe most who’re dreaming of great wealth won’t even take the key step that’s needed?

Because I know one thing — the people who learned the hard early lessons, have never looked back, no matter what the economy’s doing or what the ‘system’ says.

Food for thought.

"And what it all comes down to my friends
Is that everything’s just fine fine fine
‘Cause I’ve got one hand in my pocket
and the other one is hailing a taxi cab." – Alanis Morrissette, Hand In My Pocket

The end 😉

So what about you? Did you realize all these famous celebrities followed a similar pattern of rejection, being hated, ignored, discouraged, and unsupported by education/finance/family institutions… literally following the Rags To Riches pattern? How do you feel about what I’ve shared here?


Charles Eisenstein
Mark Boyle
Marta Nowinska

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