Book Review

Greetings Everyone,

I just finished reading Wealth Over Riches: Escaping the Paycheck to Paycheck Cycle, and I wanted to share my thoughts.

Many often opt to use the education loophole to withdraw money from an IRA or Roth IRA to help pay for their children’s education. Again, I highly recommend using retirement withdrawals only for retirement. With that in mind, I suggest using a 529 plan for your children’s educational needs.


Written by Will Thomas, Wealth Over Riches is a blueprint for money management and wealth building. This information helps readers understand how to open up cash flow, pay off debt, build wealth, and eventually escape the paycheck-to-paycheck lifestyle. Thomas is an IT Engineer and Personal Finance & Travel Blogger who’s passionate about spreading the knowledge he’s acquired through life experiences. With this book, he aims to help others reach their financial goals and enjoy life after the necessary sacrifices have been made.

I’m going to try not to sound biased since Will (aka DEUCE) is my line brother, but this was a great read. I tend to expect a convoluted analysis with finance books, but Wealth Over Riches was straight to the point, personable, and very informative. The order and overall flow of the book made the information easy to digest. And the instructions, starting with creating a budget and ending with financial freedom, were detailed and supported with real-life examples.

Some of the points that stood out to me the most are as follows:

  1. To truly become financially stable, you have to become less of a consumer and more of a saver.
  2. You have to understand the difference between a need and a want. Learn how to budget, your needs always come before your wants.
  3. When life changes, so will your finances. Always re-evaluate your finances and forecast it for your long-term goals.
  4. Debt due to credit is one of the main reasons why so many people are living check-to-check.
  5. The money spent paying a car payment or lease is wasted money. If you live close to your job, walk, bike, or take public transportation.
  6. Credit cards allow us to spend money we don’t have, and it’s not beneficial for the economy to slow down spending. That is why credit card temptation is everywhere.
  7. Use your credit card as a safety net to protect the physical money in your bank account, not as an extension of your bank account.
  8. One of the most powerful methods of paying off debt is the avalanche method: list all of your debts from largest to smallest based on the interest rate and pay accordingly.
  9. Another popular method is the snowball method: list your debts from smallest to largest based on the principal owed and pay accordingly.
  10. Homeownership, retirement investing, setting up a future for your children, forecasting your savings, and other investments are all ways to build wealth.

I’d recommend this book to anyone in need of a breakdown on how to manage money. For more information, check out Will Thomas’s official website. You can also stay connected on Facebook and Instagram.

Until Next Time…


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