Written in plain language and road-tested with teachers and workshop cohorts across the world, the book walks readers through budget hacks, debt detox plans, and beginner-friendly investing. Then ties it all to mindset and habit-stacking so the lessons actually stick. "Financial freedom isn't about spreadsheets, it's about daily choices," says Vohra. "If you can build a coffee habit, you can build a savings habit."
The stakes are high and the upside huge:
- High-school financial-education mandates boost young adults' credit scores by 16–32 points within three years and cut delinquency rates almost six percentage points.
- Teens who take three years of personal-finance classes are 40 percent less likely to fall a month behind on payments and carry credit scores roughly 25 points higher a decade later.
- Adults scoring above-median on literacy quizzes are 53 percent more likely to live below their means and 65 percent more likely to hold a three-month emergency fund.
- Yet tradition still holds women back: 58 percent of married women worldwide leave long-term money decisions to their spouses.
- 81 percent of Americans wish they'd had financial education earlier in life.
Quick-Read Stats for Journalists
- Gen Z averages 38 % on P-Fin literacy; 30-point gap vs. Boomers.
- 85 % of Gen Z feel blocked from financial goals; 46 % rely on family support.
- State-mandated finance classes raise credit scores 16–32 pts in three years.
- Teens with robust finance courses are 40 % less likely to miss payments.
- High-literacy adults keep emergency funds at 65 % vs. 42 % for low-literacy peers.
- 58 % of married women defer long-term investing to spouses.
Rich by Habit, Not by Hustle is available July 1st, 2025 in paperback and e-book on Amazon and major retailers worldwide: https://www.amazon.com/dp/B0FBJVX3H8
www.moneyfluent.info
Source: MoneyFluent
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