This is the most spiritual aspect of the teaching. Principles 100 to 115 focus on the concept that wealth follows value and virtue. If you are not adding value to the marketplace, money will literally flee from you to those who do.
| Option | Description | Cost | |--------|-------------|------| | Author’s Official Site / Money Academy | The author often offers a free downloadable PDF in exchange for an email subscription, or sells a bundled “e‑book + workbook” package. | Usually free with email sign‑up; premium bundle $9‑$15. | | Amazon Kindle | A Kindle edition of School of Money is listed; you can purchase and read on any device with the free Kindle app. | $2‑$5 (varies by region). | | Google Books / Apple Books | Similar pricing to Kindle; instant download. | $2‑$5. | | Local Library e‑Loan Services | Many libraries partner with OverDrive or Libby; you can borrow the e‑book at no cost with a library card. | Free (subject to availability). | | Educational Platforms | Occasionally the book is included in finance‑course bundles (e.g., Udemy, Skillshare). | Cost depends on the course. | school of money by olumide emmanuel pdf 115
Tip: When you sign up for the author’s newsletter, you often receive a bonus worksheet that isn’t in the printed version—great for immediate action. This is the most spiritual aspect of the teaching
The book is deliberately short, each chapter acting like a lesson in a classroom. Below is a paraphrased outline; exact chapter titles may vary slightly in different editions. Tip: When you sign up for the author’s
| Chapter | Core Theme | Key Takeaways |
|---------|------------|---------------|
| 1. The Money Mindset | Understanding how beliefs shape financial outcomes. | • Identify limiting beliefs (“money is scarce”).
• Re‑program with affirmations and visualisation. |
| 2. The Budget Classroom | Building a practical, zero‑based budget. | • Income vs. expenses breakdown.
• The “50/30/20” framework adapted for low‑income earners. |
| 3. Saving as a Habit | Turning saving into a daily routine. | • “Pay‑yourself‑first” – automate transfers.
• Emergency fund: aim for 3‑6 months of expenses. |
| 4. Debt 101 – The Good, The Bad, The Ugly | Differentiating productive vs. consumer debt. | • Snowball vs. avalanche repayment methods.
• When leverage can accelerate wealth. |
| 5. Introduction to Investing | Why everyone needs a growth vehicle. | • Stocks, mutual funds, ETFs, and real estate basics.
• The power of compounding: 5‑10 % annual growth over 20 years = 3‑5× wealth. |
| 6. Passive Income Playbook | Building cash flow streams beyond a salary. | • Digital products, affiliate marketing, dividend stocks, and rental properties. |
| 7. Financial Goal‑Setting (The S.M.A.R.T. Method) | Turning vague wishes into measurable milestones. | • Short‑term (≤1 yr), medium‑term (1‑5 yr), long‑term (>5 yr). |
| 8. The “Money School” Routine | Daily/weekly actions that cement discipline. | • Morning “money review”, weekly expense audit, monthly net‑worth tracking. |
| 9. Mindful Spending & Value‑Based Purchases | Aligning expenditures with personal values. | • The “cost‑per‑use” test; avoid lifestyle inflation. |
| 10. Giving Back – The Wealth Cycle | Why philanthropy fuels personal growth. | • 1‑2 % of net worth earmarked for charity; community impact. |
| 11. Graduation – Your Financial Blueprint | Synthesising all lessons into a personal action plan. | • 90‑day “boot‑camp” checklist; accountability partners. |
| Appendix & Resources | Worksheets, recommended reading, and tools. | • Budget templates, compounding calculators, and a curated list of free finance apps. |