Have you ever thought,
‘I wish I knew then what I know now?’ Most people have. Wealth Is a Choice can give you 20 years of hindsight in just the few hours it takes to read
this book
— Ray Rowe,
Attorney at Law

Wealth Is a Choice has everything you need to prosper in a world of individual wealth. Empowering through humor and tact, filled with cartoons and visuals, this is a book you will finish and have fun learning from.

James wrote Wealth Is a Choice before the major financial meltdown of 2008. Concerned with loose lending, frivolous spending and government mismanaged regulation, “the signs were clear” that America needs to step up and take back financial control.

Wealth Is a Choice is the kind of book that people read, and then pass on to all others they care about.

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Advance Praise for James Studinger’s
Wealth Is a Choice

James Studinger offers proactive and positive solutions to manage money that will help you make smart decisions.
— Greg Baker, President, The Baker Group
Money is one of life’s tools that comes without an instruction manual.
Until now, that is. Wealth Is a Choice offers fantastic insight on how to
uild and maintain wealth in an easy-to-understand format. This book will redefine the way people understand and use money.
— Joseph Samples, Personal Financial Advisor
It may seem strange to some that a book about creating personal wealth also talks about charitable giving. Studinger, however, demonstrates that giving can be deeply fulfilling while also advancing personal wealth goals. In this way, the author reminds us that true wealth also has a mission and higher purpose. Wealth Is a Choice is a remarkable book, both for the individual and society as a whole.
— Tim Smith, Development Director
VFW National Home for Children


Studinger’s integrity and style stem from his upbringing in the rural Upper Peninsula of Michigan. As an avid outdoorsman, he is keenly attuned to the physical world surrounding him. In Wealth Is a Choice, Studinger masterfully correlates logic from the natural world into actionable financial practices. Simply put, the financial environment, like nature itself, is governed by timeless universal truths, and understanding these truths puts readers on the path to financial freedom.
— James T. Flynn, Flynn Benefits Group
Many financial books irresponsibly promise quick riches. Studinger’s approach is smarter and more realistic. Building financial independence takes time and dedication. Studinger shows you
how in Wealth Is a Choice.
— Rod Charles, CFP®, President, Financial Freedom Group
An intelligent yet simple read on the importance of taking control of your financial future.
— Richard J. Keil, CPA, PFS, CFP®
Studinger set out to write a financial guide for his young sons. What he accomplished was far more significant. This book will redefine the way we understand money.
— David Petoskey, RFC, Managing Principal, Wealth Management Services