To order book, click HERE.
For table of contents, sample chapters, author interview and
reviews, click HERE.
Low profile, not-yet-famous authors, typically have
difficulty competing in a culture that worships celebrities and authors with
strong platforms. Yet, Steve and Cherie Miller have found ways to overcome these
challenges and share them in this well-researched, easy-to-read volume.
Dr. Robert E. McGinnis, author of 15 young adult novels, writes: “Filled with
useful tips I don’t find elsewhere. A masterpiece of research, wisdom, and
Sell More Books! gives writers and publishers:
- Insider tips on writing and publishing a marketable book.
- The latest on publishing options, social networking, and “tried and true”
book marketing tactics.
- Hundreds of practical book-selling strategies that authors can implement
immediately, whether they’re self-published or traditionally published.
- An analysis of which methods will most likely work for specific books, and
which methods might be a complete waste of time.
- Ideas for marketing on a low budget.
Amy, Antonio, Akashi and
To order book, click HERE.
To see television interview about book, click HERE.
For educators wanting to review the book as a
possible personal money
management text, click the link.
Q: Steve, what motivated
you to write this book?
First, people are hurting with their
finances. According to recent surveys,
- Seventy percent of American adults live
paycheck to paycheck. They fear going under and desperately need to accumulate
- Ninety-eight percent of middle-aged people
reported regreted how they spent their money in the light of how much they could
- Today’s college students graduate with, on
average, over $22,000 in debt. Their first job out of college doesn’t pay what
they expected. They want to get out of debt and accumulate enough wealth to
purchase a house.
- Personal debt is reaching record highs as
personal savings reach all time lows (under zero percent average savings in
2006). How will people ever get ahead?
Second, to get more
personal, Cherie and I are raising seven boys, from 13-year-old twins to a
26-year-old. I don’t want them to live their lives experiencing the misery of
financial bondage. This book sums up what we’re trying to teach them about
finding financial freedom.
Steve, bookstores offer shelves of
books on personal money management. Why write another one?
Some of those books are really good. I
read wheelbarrows’ full of them in my research and recommend many of them
throughout my book and Web-based resources. But I thought a
different approach was in order, something that could help people totally
rethink the way our culture has taught them to manage their money.
So I wrote a book
with these distinctives:
- Well researched and documented, ensuring that
the advice is solid.
- Story form to grab and hold attention
- Multi-Cultural (Afro-American, Hispanic,
Oriental, White Anglo-Saxon)
- Multi-Generational, including characters from
eighteen to eighty
- Defies stereotypes
- Likeable characters
- Neither talks down to students nor ridicules
- Encourages learning from one another and
- Includes building knowledge, skills and
- Fosters giving as well as getting
- Encourages those with learning
- Includes reviews, thought questions and
- Broad use of real people stories
Q: The story line reminds me of the movie The
Breakfast Club, where high school students from different parts of the
school culture broke through the stereotypes to find that they weren’t so
different after all.
A: Great observation! That movie was a part of my
inspiration. In my book, you’ve got this white cheerleader, an Afro-American
muscle car enthusiast, a Hispanic do-gooder and an Asian low achiever. They meet
at “In School Suspension” and discover that they’ve got at least one thing in
common: their parents stink at personal finances and it hurts their families.
They desperately want to do better, but they first must overcome their
Akashi suffers from
undiagnosed disabilities, making her the black sheep of her high achieving
siblings. Can a “C” student get any better than a “C” vocation? Antonio loves
outdoor adventures and serving the less fortunate. But can he make enough of a
living to support a family while working in a potentially low-paying career?
James wants to make a million dollars before age 40, but no matter how much he
works, he can’t seem to save a cent.
They’re introduced to
Mrs. Kramer, an eccentric teacher who’s unusually successful with her finances.
She meets with them each Saturday morning for breakfast to discuss money
The resulting package
includes adventure, romance and fascinating people – everything you’d
never expect in a financial book.
Q: This book is more about people than
A: Yes! And not only about my fictional characters, but
about people in real life who’ve succeeded marvelously with their money. Kramer
introduces them to Oseola McCarty, who washed clothes for a living the old
fashioned way – boiling them in a kettle over a fire. After arthritis forced
her into retirement, she shocked the world by giving a $150,000 gift to a
college to allow deserving students to get the education she never had. How did
she save up over a quarter of a million dollars while working such a low-paying
started making money with lemonade stands, finding and selling golf balls, and
running paper routes. With jobs that anybody could do, he ended up making more
than his teachers while he was in high school. Then he multiplied that money
into billions. What were his secrets?
The answers aren’t hard to
comprehend; they’re just counterintuitive – not what you’d expect. The book
introduces the reader to a host of interesting people and their finances, from
Thomas Jefferson to Mark Twain to Sam Walton.
I think that
principles of finances are more easily understood and applied when you learn
them in the context of people stories.
Q: With the story line, I assume your target audience is
high school seniors?
A: My characters range from 18 to 80 years old. Warren
Buffett started investing at age 11. My grandmother started saving and investing
at age sixty-five. At age 101, with her sharp mind intact, she’s accumulated a
small fortune. If the interest is there, I think that any age would enjoy it and
reap the benefit.
You’ve been handing out advance copies
to get input. What has been the response?
A: I’ll just read off some of the advance comments,
letting them speak for themselves:
Robert Martin, Lecturer of Accounting in the
prestigious Coles College of Business at Kennesaw State University
“A fast, fun read with practical and often
remarkable insights. Should be required reading for every high school senior and
every young adult who has landed his or her first full-time job. I’m
incorporating parts of the book into my lectures.”
Dr. Dwight “Ike” Reighard, Executive Vice
President and Chief People Officer of HomeBanc said,
“Had I read this book in my 20’s, I’d be
financially independent today. It’s a remarkable blend of fabulous research with
clear and lively writing. You’d pay an expert quite a sum for this caliber of
counsel. That’s why I say that the best investment you make this year just might
be this book. Your second best investment will be the copies you buy for your
Larry Winter, of Winter & Scoggins, CPA’s,
“As a practicing CPA and financial counselor
for the past 35 years, I’ve read scores of books and periodicals on personal
finance. Just when you think you’ve heard it all, something like this comes
along. It’s rare and refreshing to find a book so enjoyable, so accurate, and so
life changing. I’m purchasing 200 copies to give away to graduating
(See bottom of this page for more
Q: In the book, you keep referring readers to your Web
site for more information. Why didn’t you just include everything in the
A: Because few people would buy a 1000 page book that’s
about finances instead of Harry Potter! Even fewer would actually read it once
they brought it home. Personal finance is a very broad subject. My copy of
Benjamin Graham’s classic, The Intelligent Investor, is over 600 pages,
and it just covers one slice of personal finances: investing in stocks. The Web
gives me unlimited space to cover topics that readers want to cover in more
depth. I think many will especially find helpful the in depth summaries of other
books related to personal finance. If you want to get a snapshot of the advice
of several financial writers, or to get the scoop on a book before you buy it, I
think you’ll find my summaries valuable.
Q: How much do the Web resources cost?
A: They’re free. You can find them at www.enjoyyourmoney.org .
Q: Do you have some sample chapters of your book that
people can read?
A: They can find them on my author site at
Part One –
Breakfast 1 – Discover the
Oseola McCarty cleaned clothes for a living
the old fashioned way – boiling them in a pot over a fire. So how did she
accumulate over a quarter of a million dollars, when people making multiples of
her salary can’t seem to get by?
Breakfast 2 – Catch the
Young Warren Buffet worked paper routes and
found and sold golf balls – stuff that anybody can do. But through saving and
investing, he out-earned his teachers while he was in high school. How did
investing multiply that money into billions?
Breakfast 3 – Don’t Lose
Money in Stocks
“Hash Brown” made all of the mistakes that
most investors make, losing tons of money trying to beat the market. He shares
his hard-earned lessons with wisdom from Warren Buffett, his mentor Benjamin
Graham, and Money senior editor Jason Zweig, leading readers safely
through the investing minefield.
Breakfast 4 – Make Money in
Here’s how to choose stock and bond funds for
the ultimate in diversity, safety and healthy returns.
Breakfast 5 – Diversify with
Travis is a likeable “Dukes of Hazard” type
who prefers muscle cars over golf and real estate over stocks. At twenty-eight
years of age, his cars and comfortable home in the country are totally paid off.
How did he do it?
Breakfast 6 – The Breakfast
that Almost Wasn’t
A kidnapping, a car chase and a life
Part Two –
Breakfast 7 – Live WAY
Beneath Your Means
“Watch your expenses more than your revenue.”
So says the successful CEO of Wherehouse Music. Since a dollar saved can equal
two dollars earned (hint: savings aren’t taxed), cutting costs is the most
underrated trick to building wealth.
Breakfast 8 – Save on Food
Carmen, a spunky young mother, leads a
whirlwind field trip through a grocery store, finding huge savings with “loss
leaders,” generic drugs, bulk buying and “store
Breakfast 9 – Save on
Kramer asks a hairy, audacious question: “Is
it possible to spend almost nothing over a lifetime on purchasing cars?” James’s
answer tells a lot about how to save a bundle on reliable
Breakfast 10 – Save on
Bob and Bud live in identical houses in the
same neighborhood. Why is one paying half what the other is
Breakfast 11 –Ten Popular
Ways to Lose Lots of Money
Thomas Jefferson was brilliant and famous, but
spent his last years fretting over his huge debt. Mark Twain and coach Joe Gibbs
lost fortunes in bad investments. How can we avoid their
Part Three –
Breakfast 12 – Find Jobs You
Researchers Stanley and Danko discovered that
millionaires made their money at vocations they loved. How can we find jobs
we’re passionate about?
Breakfast 13 – Excel at Your
It’s more than college degrees and developing
Breakfast 14 – Invest in your
“In times of profound change, the learners
inherit the earth, while the learned find themselves beautifully equipped to
deal with a world that no longer exists.” (Al Rogers, Global SCHOOLHOUSE Network)
Breakfast 15 – Look for
Happiness in the Right Places
People want to be financially successful
because they think it will contribute to their happiness. What makes people
happy? How should scientific studies of human happiness impact the way we use
Epilogue: Where Are They
Discover what happened to the main characters
later in life.
“Financial responsibility has reached a state
of crisis. This book attacks the problem in a common sense, refreshing manner
that anyone can understand and apply to real life. It should be required reading
for all young people, before they find themselves broke, deeply in debt and
miserable.” (William C. Lusk, Jr., Senior Executive Vice President & Chief
Financial Officer, Retired, Shaw Industries, a Fortune 500 company
and the world’s largest manufacturer of carpet.)
“A very entertaining, engaging book! The
characters are appealing and aid the reader in interacting with the principles
taught. All ages will enjoy it and benefit. Meticulously researched and
documented. Chock full of financial and lifestyle wisdom. I’ll keep plenty of
copies in my office to hand out to clients.” (Dr. Ken Walker, Psychologist with
the Georgia Department of Juvenile Justice and Director of Dalton
“A comprehensive look at
managing your money. For me, the genius of this book is that it gathers wisdom
from top financial gurus and uses it to explain clearly and practically how
average folks can apply it to everyday living.” (Alan Buckler – Allstate
“I loved the story and the
characters! Read this book and you’ll get the practical tools and wisdom to
chart your own course toward financial freedom.” (Jamie Maddox, former Senior
Business Analyst, The Coca Cola Company, present Pastor of Stewardship,
“For me, the section on
savings was worth the price of the book, detailing scores of hidden ways to save
a fortune over a lifetime. Then, unlike many books, it goes beyond ‘having more’
to ‘doing more with what you have.’ (Bryan McIntosh, Ph.D., Dalyn
“I really liked the format!
The dramatic layout used a totally different part of my brain when I read
it…it’s like watching a movie or reading a novel. The story line kept my
interest so that I got through it quickly. The content was very inspiring.
“Living differently” and “starting a financial counterculture” hits home to me.
And it was SO PRACTICAL! I think it will also appeal to most of my generation
and the one coming up behind me.” (Anthony Daniel, age 28, Chemist, Tiarco
“Clever! The movie script
format pulled me into the story and endeared me to the characters. Before I knew
it, I found myself thinking about money strategies that I’d have never learned
from traditional finance books. Teaching finance through people stories works
for me. Rather than staring at obscure charts, I just followed the lives of
successful people. Finally! A readable book on personal finance for people who
don’t want to read a book on personal finance…which of course is me and just
about everybody else!” (Mark Hannah, Film Producer)
“Teachers of financial
management and life skills will be thrilled to discover this book! Miller uses
people stories to breathe life into financial concepts, making lessons both
memorable and enjoyable. As an educator, I was impressed that the
- goes beyond “the same old
stuff” that students hate.
- expands minds with
- engages minds with intriguing
angles and creative assignments
- challenges students beyond
selfish accumulation to consider service to humanity.
- meets state standards as
detailed on the corresponding Web site.
- includes multiple cultures.
- offers hope to those with
Having developed character
education in several schools, I see the importance of integrating character into
the curriculum. This book succeeds marvelously! Qualities such as diligence,
intellectual curiosity, patience, integrity, service and thrift are woven
seamlessly into the fabric of the book, so that readers are motivated to adopt
these qualities in order to succeed with their finances. (Phillip Page, Ph.D.,
Public School Principal)
To order book, click HERE.