What if the biggest difference between staying trapped in debt and building lasting wealth is not how much you earn-but how you think about, manage, and use the money already passing through your hands? FROM DEBT TO WEALTH is a practical and empowering guide for anyone ready to break destructive financial patterns, take control of money, and build a stronger path toward long-term financial freedom. Debt can make it feel as though your future income already belongs to someone else. Bills arrive, payments disappear, unexpected expenses create new setbacks, and even a higher income can vanish through lifestyle inflation, emotional spending, poor planning, and expensive borrowing. This book shows you how to change that cycle. Rather than offering unrealistic promises or complicated financial theories, Owen Perce combines money psychology with practical financial strategies to help you understand why you make certain money decisions-and how to replace costly habits with behaviors that support stability, ownership, and wealth. Inside, you will discover how to: - Identify the money beliefs and habits keeping you financially stuck - Break the debt cycle with a realistic and sustainable repayment strategy - Build a budget that gives your money direction without making life miserable - Create an emergency fund and prepare for unexpected expenses - Save consistently, even when your income changes from month to month - Control lifestyle inflation so earning more actually improves your financial position - Increase your earning potential and explore additional income opportunities - Understand investing without unnecessary complexity - Avoid financial scams, FOMO, and get-rich-quick traps - Turn income into assets that can strengthen your long-term wealth - Protect what you build and think more intentionally about your financial legacy - Create a personal wealth plan based on your own definition of freedom FROM DEBT TO WEALTH is not about becoming rich overnight. It is about creating lasting financial transformation through smarter decisions, stronger habits, and a clear plan. Whether you are overwhelmed by debt, rebuilding after financial mistakes, trying to save for the first time, or ready to move from simply earning money to actually building wealth, this book gives you a practical roadmap for moving forward. You can change the way you think about money. You can change the way you spend, save, earn, and invest. You can build stronger financial habits. You can create a more secure and intentional future. Your financial story is not finished. It is time to write the next chapter-from debt to wealth.
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