Why Isn’t Everyone a Millionaire? How Our Good Habits Stop Us from Getting Richer

The choices that we make with money are not just knowledge-based, they also have psychological components. By combining psychology literature with financial literature, this book is one of the few that provides new self-help insights into handling individual finances, advises how to increase personal wealth, and explains why we make the financial choices that we do. And, this book addresses personal wealth at every level of the socioeconomic scale and why we all resist changing suboptimal financial behaviors, even when financially it's in our best interest to do so. By better understanding our own and others' behavior, we can better change or accept our choices, maximizing our own financial position as it fits into our own lives. This book adds to the $10 billion market for self-help books by offering practical advice that is thoughtfully based on academic research but provides insight and advice in a readable format.

As a former owner of her own CPA firm, Valrie Chambers, Ph.D., CPA is regarded as a leading researcher in the fields of behavioral accounting research and tax. She has been Chair of the M.E. Rinker, Institute of Tax and Accountancy at Stetson University and a full professor at Texas A & M University-Corpus Christi where she won Texas Society of CPAs Outstanding Accounting Educator Award and the Bobby Bizzell Southwestern Deans' Innovative Achievement Award.Her works have been published numerous academic and professional journal articles and she has appeared on TV and been quoted or cited as an expert in several widely distributed news outlets, including The Street, WalletHub, Nerd Wallet, Yahoo.com, and U.S. News and World Report. She currently coaches accounting students internationally through her YouTube channel, which over the last 3 years has had over 50,000 views and over 240 subscribers (https://www.youtube.com/channel/UCuA2OnXdLMZSSCoFm36mkow?view_as=subscriber).