A Different Way to Think About Money What if personal finance worked more like nutrition? In Financial Nutrition , Fred Miller III uses familiar nutrition concepts to explain how money actually works over time. Instead of focusing on hacks, rules, or optimization, this book emphasizes patterns, behavior, and systems—the same things that determine long-term health. Just as no single food determines health, no single financial decision determines wealth. Why Nutrition Is the Lens Nutrition and personal finance share surprising similarities: Both are shaped by repeated daily choices - Both suffer from information overload and marketing - Both reward consistency more than perfection - Both are undermined by short-term thinking This book uses nutrition as a framework to make financial concepts easier to understand, remember, and apply—without requiring technical expertise in either field. What This Book Covers Each chapter pairs a nutrition concept with its financial parallel, including: Carbohydrates & Cash Flow – the role of income and liquidity - Protein & Savings Rate – building strength through consistency - Fat & Investing – long-term energy and delayed payoff - Micronutrients & Overlooked Details – small factors with big effects - Processed Foods & Financial Products – convenience, complexity, and hidden costs - Individual Differences & Behavior – why the same plan doesn’t work for everyone These comparisons help clarify why simple approaches often outperform complex ones and why behavior matters more than optimization. A Focus on Systems, Not Rules This is not: A diet plan - An investment strategy manual - A step-by-step financial checklist Instead, Financial Nutrition helps readers: See how choices compound over time - Understand trade-offs behind convenience - Recognize how fees, habits, and behavior shape outcomes - Build systems that reduce reliance on willpower The emphasis is on clarity, awareness, and sustainability—not rigid rules. Grounded in Education, Not Hype Drawing from teaching experience in exercise science, nutrition, and wellness, the book: Avoids fear-based messaging - Explains concepts in plain language - Acknowledges individual differences - Emphasizes low-cost, transparent foundations Financial ideas such as index funds, behavior gaps, and complexity are discussed with balance—highlighting both evidence and limitations. Who This Book Is For This book is written for: Adults who want a clearer way to think about money - Readers overwhelmed by conflicting financial advice - Students and lifelong learners - Anyone interested in long-term health and wealth, not quick fixes No prior knowledge of finance or nutrition is required. The Core Message Long-term success—in both nutrition and personal finance—is rarely about doing everything perfectly. It’s about: Understanding fundamentals - Designing better systems - Repeating reasonable behaviors over time Financial Nutrition offers a thoughtful, grounded perspective for readers who want fewer rules, less noise, and a more sustainable path forward.