Prescriptions for Prosperity

What if financial independence is closer than you think, wherever you're starting from?

In Prescriptions for Prosperity, credit union CEO Dr. David L. Tuyo, II draws on more than twenty-five years in financial services to write twenty-six short, memorable lessons, one for each letter of the alphabet. Each one ends with homework and a "Prescription for Prosperity" readers can act on that day.

Tuyo has watched retirees drain a $3 million nest egg by following a rosy forecast. He has watched a high-earning coach play roulette with $100,000 in credit card debt, and a condo owner wreck her credit score by opening fourteen store cards at once. He turns those stories into plain-language guidance on credit, debt, budgeting, investing, insurance, retirement, and estate basics. Along the way readers meet ideas like "Build the ark, but don't predict the rain," the "Rotten EGGs" that eat your net returns, the "Octagon" of personal finance, and the VUCA framework for future-proofing a plan.

This isn't about getting rich overnight or copying someone else's formula. It's about knowing where you are, choosing where you want to go, and taking the next step.