Financial Literacy and Wellness

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Financial Literacy and Wellness *

Read the Dime Rise ™ Founder’s Books

The Price of a Dream: Rethinking Financial Education For The Real World
$24.99

What if everything we've been taught about financial literacy is wrong?
We've spent decades teaching teenagers how to balance a budget in a classroom and then watched an entire generation drown in $1.77 trillion of student loan debt. The lesson plans were solid. The math was right. So why did the system fail?
In The Price of a Dream, financial education expert and researcher Dr Nicole Munhoo reveals the truth: we have been treating money as a math problem when it is, in fact, a psychological one.
Drawing on in-depth research and real interviews with college students across America, Munhoo introduces readers to the concept of the unspoken curriculum the emotional, inherited framework about money that every child absorbs not in a classroom, but at the kitchen table. Long before a teenager ever sits through a personal finance course, they have already been taught that debt is shameful, that money is a secret, and that financial struggle is a personal failure. And no budgeting worksheet can undo that.
Through vivid, deeply human stories the first-generation student navigating a FAFSA form alone, the scholarship kid performing affluence she can't afford, the good student too afraid of debt to build the credit score she desperately needs — Munhoo maps the hidden emotional landscape of money in America. She introduces us to the Financial Gatekeeper, the Two-Body Problem, the Good Student Paradox, and the Digital Gauntlet: forces that determine our financial futures far more powerfully than any lesson on compound interest.
The Price of a Dream is not just a critique of the financial education system, it is a roadmap for changing it. For students, parents, educators, and policymakers alike, this book makes a bold, research-backed argument: if we want to fix financial illiteracy, we must first start talking honestly about the one subject most families treat as forbidden.
Urgent, compassionate, and deeply original, The Price of a Dream is essential reading for anyone who has ever felt confused, ashamed, or alone when it comes to money, and for anyone who wants to help the next generation do better.
The first step toward financial freedom isn't a spreadsheet. It's a conversation.

Cultivating Leaders: The Art And Practice Of Christian Discipleship
$24.99

Your church may be growing but is it making disciples?
Packed pews. Impressive programming. Thousands in attendance. Yet for all its activity, the modern church faces a crisis hiding in plain sight: it has largely forgotten how to do the one thing Jesus actually commanded make disciples.
In Cultivating Leaders, Dr. Nicole Munhoo draws on original congregational research, decades of ministry experience, and deep biblical scholarship to confront what she calls the discipleship crisis of our time. The problem, she argues, is not a lack of commitment or resources. It is a fundamental misunderstanding of what discipleship actually is and how it has always been meant to work.
Too many churches have reduced salvation to a single moment and confused information with transformation. They have built communities of consumers instead of communities of disciples. They teach people about Jesus without teaching them to actually follow Him and they wonder why their members look no different from the world around them.
Cultivating Leaders charts a different path.
Beginning with Jesus' own model the most proven discipleship strategy in history Dr. Munhoo traces the biblical arc of disciple-making from Abraham's call through the early church, showing that formation has always been relational, progressive, and missional. Jesus didn't lecture His disciples into transformation. He lived with them, questioned them, corrected them, sent them out, and called them back. That model, she argues, is not just historically interesting it is urgently needed today.
With clarity and conviction, Dr. Nicole Munhoo examines the powerful cultural forces eroding the church's capacity to form genuine disciples: the radical individualism that makes submission feel like oppression; the consumerism that turns faith into a product to be evaluated and enjoyed; the pragmatism that measures ministry by metrics rather than maturity; and the digital distraction that strips away the silence in which souls are formed. These are not peripheral concerns they strike at the heart of the church's identity and mission.
She then offers a practical, research-grounded framework for churches ready to reclaim the Great Commission one that embraces local context, cultivates cultural intelligence, equips every believer as a missionary in their own neighborhood, and builds communities of mutual accountability, authentic love, and Christlike character.
Cultivating Leaders is for pastors navigating the tension between a growing attendance and a shrinking depth of faith. It is for ministry leaders who sense that something is missing but can't quite name it. It is for anyone who has ever wondered why the church, for all its activity, seems to produce so few people who genuinely look like Jesus.
The answer, Dr. Munhoo insists, is not a better program. It is a return to something ancient, costly, and profoundly hopeful.
It begins not with a curriculum but with a call.

The Silent Crisis: Collective Bargaining and Higher Education's Labor Collapse
$24.99

American higher education is at a critical juncture. Mounting financial pressures, shifting enrollment, and evolving workforce expectations have pushed the relationship between universities and the people who run them to a breaking point. From the Ivy League to regional public colleges, faculty and staff are organizing at a pace not seen in decades.

Silent Crisis: Collective Bargaining and Labor Relations in Higher Education traces this movement from its legal roots in the 1935 Wagner Act through today’s landmark campaigns at institutions like Columbia, Harvard, Tufts, and Boston University. Dr. Nicole Munhoo examines how the rise of contingent faculty, the decline of tenure, and the corporatization of university management have transformed academic work, and why collective bargaining has become one of the most powerful tools workers have to push back.

Combining legal research, historical analysis, and real-world case studies, this book speaks to anyone with a stake in the future of higher education: faculty considering organizing, administrators navigating labor relations, policymakers shaping the rules, and anyone who cares about the people who keep our universities running.

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