{ "item_title" : "Build Peace Before Wealth", "item_author" : [" , Mallick "], "item_description" : "You don't need a fortune to stop feeling like money is a constant emergency.Most personal finance books were written for people who already have a cushion - inherited money, a paid-off house, decades of runway. This book isn't for them.Build Peace Before Wealth is for the first-generation earner starting a family on a regular salary, with zero safety net and a growing list of what if fears. It rejects two failed strategies: the get rich slow gospel that locks your money away for thirty years while tonight's hospital bill goes on a credit card, and financial fasting - the extreme frugality that always ends in burnout.In their place, this book lays out a two-phase system built around one core idea: your money should start paying you back from month one, not year ten.Phase 1 - Defense: Calculate your exact Peace of Mind Number - the real monthly cost of running your household. Then build a 12-Month Income Ladder that starts generating real, spendable cash flow from your very first month of saving. It might only cover a cup of tea at first - but it's real money landing in your account every single month, and it doesn't stop there. Because you add a new rung to the ladder each month, your payout grows steadily right along with it: month 2 pays more than month 1, month 6 pays more than month 2, and so on. All the while, you're eliminating toxic debt and funding your emergency buffer in parallel.Phase 2 - Offense: Once your baseline is covered - even partially - market crashes stop being emergencies, and every extra rupee can finally go to work building real long-term wealth.Inside, you'll learn: Why average financial advice can be actively dangerous for a household with no safety netHow to start collecting real monthly cash flow from month one - and why that payout keeps growing every month afterThe exact math behind crossing your threshold, and why full income replacement was never the real goalA simple annual recalibration process to keep the whole system honest as your life changesEach chapter closes with two one-line takeaways, so you can revisit the system in minutes, not hours.This isn't a book about getting rich. It's a book about building a financial floor sturdy enough that your family can finally stop bracing for impact - so the wealth you build after that is real, not just paper.", "item_img_path" : "https://covers2.booksamillion.com/covers/bam/9/79/819/297/9798192974933_b.jpg", "price_data" : { "retail_price" : "9.00", "online_price" : "9.00", "our_price" : "9.00", "club_price" : "9.00", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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