The Direction Your Clients Need To Master Life.

By James J Varela  Life Coach

Life Coach James Varela lives and has lived what he teaches.  This empathy with those struggling with life's challenges is in every page of the No Money Book.  The No Money Book is written for the half the U.S. working population that earned less than $35000 per year last year and are looking for life skills to manage their lives. 

WHY THE NO MONEY BOOK?

LIFE DIRECTION


Direction

I am surprised and at times shocked how little the average American knows how to navigate and prosper in the American system.  The No Money Book teaches essential skills such as money management and career management with solid streetwise advise all in a language the layperson can comprehend.  How to rise above current circumstances with doable goal setting and life strategies meant to direct, inspire, and educate. 

WHO NEEDS


Crisis Management

Readers Learn Crisis Management  Skills 

Health Crisis

Debt Crisis

Housing Crisis

Financial Crisis

Legal Crisis

And Much More............

 

THE NO 

Thrifty Living

A recent study showed the majority  (56%) of American families cannot get through a $1000 emergency.  The No Money Book teaches the art of " Thrifty Living . "Americans in general have forgotten one of the great American traditions that are thrifty, not cheap living.  Readers learn money management and consumer skills meant to squeeze the full value from every dollar which is the foundation for savings.

MONEY BOOK?

The Aspiring Entrepreneur

I am saddened to see so many young people today who have given up on the American dream and believe they cannot fulfill their dreams and ambitions.   It is shocking most young people graduate school and learn little or no entrepreneurial skills that made American business so great. The No Money Book teaches in no-nonsense layman's terms the art of entrepreneurship to the layperson. How to raise capital, and where to seek resources, such as the SBA and Score .org. It also educates the reader with inspiration and direction on where to get more in-depth information on any kind of enterprise. 

YOU

Immigrants & Refugees

Newcomers to America are often lost on how to succeed in the American system. Most are hardworking and ambitious but often find navigating the American system baffling. Simply being hardworking is not enough without direction. The No Money Book is that direction.  It is a business plan for life for the newcomer starting at the bottom and looking for the path up.

 


 

ME   

The Graduate

A young person out of school has problems their parent's generation did not. Student loan debt, declining purchasing power. Astronomical housing costs. Many I see today lack direction. Many young people today are bitter over the fact they do not live as well as their parents did. The No Money book is the direction they need to have fulfilling lives.

The Student Loan Crisis is a national tragedy. The problem is further compounded by the poor choices young people make in selecting where to attend College, and managing the cost of tuition when they are young and bewildered. The  No Money Book gives practical direction on their educational options.

 


 

 


 

EVERYONE !

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