The only sure way to make money is to have money, but no personal finance expert wants to admit their wealth is built on anything other than a solid foundation of hard work and self-control — not their degrees in finance, Ivy League educations, middle class upbringings… or their ability to sell you a fantasy.

Money is a story. It is a story of what work has been done on credit that is yet to be redeemed. It is the Schelling point for universal credit. It is an IOU that everybody is willing to redeem (primarily because everybody is willing to redeem it) and hence that, at every instance of its transfer, it is re-ordained with the ascription of economic v

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