You’re Broke Because You Want to Be: How to Stop Getting By and Start Getting Ahead – Larry Winget

Description

Most personal finance books will tell you that you are broke because of the economy, your upbringing, your income level, your employer, or the financial system. Larry Winget will tell you something completely different — and far more useful. You are broke because of the choices you make every single day. And the moment you accept that truth completely, you have everything you need to change it.

You’re Broke Because You Want to Be is the New York Times and Wall Street Journal Bestseller that applies Winget’s signature no-excuses accountability philosophy directly to personal finance — the area of life where comfortable lies are most expensive and honest truth is most urgently needed. This is not a book that will make you feel good about your financial situation. It is a book that will change it.

You now stock two Larry Winget titles — giving Cliffmatt the most complete Winget collection on any Kenyan digital platform. Available now for only Ksh 100.

What This Book Teaches:

The Title Is the Message:

• Why the statement “you’re broke because you want to be” is not cruel — it is the most respectful, most empowering thing anyone has ever said to a person struggling financially
• The specific ways that financial struggle is maintained by choice — the daily decisions about spending, saving, borrowing, and prioritising that collectively produce the financial situation you are currently in
• Why the economy, the government, your employer, your family background, and your income level are real factors but not the determining factor — and why accepting that distinction is the beginning of genuine financial change
• The difference between financial victims — who are always done to — and financial agents — who are always choosing — and how to move permanently from one category to the other

Why You Are Broke — The Honest Diagnosis:

• You spend more than you earn — the most common, most simple, and most completely avoidable cause of financial struggle, explained without euphemism
• You don’t know where your money goes — why financial unconsciousness is as dangerous as financial irresponsibility, and how tracking produces immediate, sometimes shocking clarity
• You use debt as income — the specific debt behaviours that feel like financial management but are actually financial self-destruction
• You have no financial goals — why people without written, specific, dated financial targets consistently underperform people with them, regardless of income level
• You buy things you don’t need with money you don’t have to impress people you don’t like — Winget’s most quoted line, and the most accurate description of consumer culture available in a single sentence
• You are financially illiterate — not as an insult but as a diagnosis; why understanding basic financial concepts is not optional for anyone who wants to stop struggling
• For Kenyan readers: the specific financial behaviours most common in Kenyan middle-class culture — harambee obligations beyond your means, school fees debt, keeping up appearances — addressed directly and honestly

How to Stop Getting By:

• The specific, immediate actions that stop the financial bleeding — not eventually, not when circumstances improve, but right now with your current income and current obligations
• Why a budget is not a restriction but a declaration of priorities — and how to build one that reflects what you actually value rather than what you wish you valued
• The debt elimination sequence — the specific order in which to attack existing debt for maximum psychological momentum and minimum interest cost
• Why cutting expenses is always available to you regardless of income — the specific spending categories where Kenyan households most consistently overspend relative to their financial goals
• The emergency fund — why building three to six months of expenses in accessible savings is not a luxury for wealthy people but the foundational financial security that changes every other financial decision you make

How to Start Getting Ahead:

• The specific financial habits — automatic savings, deliberate spending, debt avoidance, consistent investing — that separate people who get ahead from people who perpetually get by
• Why getting ahead is a behaviour change before it is an income change — the specific sequence of financial habit formation that produces results on any income level
• Goal-setting for financial freedom — the specific, written, dated financial goals that direct every spending and saving decision toward a destination rather than just away from the immediate crisis
• The long-term wealth picture — what consistent application of Winget’s principles produces for a Kenyan professional over ten, twenty, and thirty years
• How to talk to your family about money — the specific conversations that align household financial behaviour with household financial goals; for Kenyan families where money conversations are culturally difficult, this section is especially valuable

Winget on Specific Financial Situations:

• Credit cards — the specific credit card behaviours that build versus destroy financial health
• Mortgages and property — how to think about the biggest financial commitment most Kenyans will ever make
• Raising financially responsible children — why the financial habits you model and the financial conversations you have with your children are the most important financial gift you will ever give them
• Financial recovery after crisis — how to rebuild from job loss, medical debt, business failure, or any other financial catastrophe without falling into permanent victimhood

Why Two Winget Titles Make Cliffmatt’s Finance Section Unbeatable:

You now stock Winget’s accountability masterclass (Shut Up, Stop Whining & Get a Life) alongside his dedicated personal finance application (You’re Broke Because You Want to Be). Together they form the most complete no-excuses personal development and financial accountability library available on any Kenyan digital platform. Every buyer of one is a pre-qualified buyer of the other.

Why This Book Is Essential for Kenyan Readers:

Kenya’s financial culture faces a specific and urgent challenge: a growing middle class with rising incomes and — too often — rising debt, rising consumption, and stagnant savings. The cultural pressures of visible success, family financial obligation, and social performance create a perfect storm of financial behaviours that feel socially necessary but are financially devastating. You’re Broke Because You Want to Be names those behaviours without flinching — and gives every Kenyan reader the specific tools to change them.

Who This Book Is For:

• Every Kenyan who earns a salary, pays their bills, and somehow never gets ahead — and who wants the honest explanation of why and the specific steps to change it
• Anyone carrying consumer debt — credit cards, personal loans, M-Shwari, mobile loan apps — who wants the accountability framework to eliminate it permanently
• Young Kenyan professionals entering the workforce who want to build financial discipline from the very beginning rather than spending their 30s recovering from the habits of their 20s
• Couples navigating financial tension who need a common framework for financial accountability that neither partner can argue with
• Readers of Rich Dad Poor Dad (Kiyosaki), Millionaire Teacher (Hallam), Psychology of Money (Housel), and Shut Up, Stop Whining & Get a Life (Winget) who want the most direct, most specific financial behaviour change guide to make every other finance book actionable

📖 Author: Larry Winget — The Pitbull of Personal Development 📄 Format: PDF eBook (instant download via WhatsApp or email) 💰 Price: Ksh 100 only 🚀 Delivery: Instant after M-Pesa payment confirmation 👉 Order now on cliffmatt.co.ke — Pay via M-Pesa, receive your PDF instantly.