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The Wealth Ladder

Proven Strategies for Every Step of Your Financial Life

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The Wealth Ladder

By: Nick Maggiulli
Narrated by: Nick Maggiulli
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About this listen

Brought to you by Penguin.

If you've been spinning your wheels trying to get ahead financially, working more hours, or chasing the latest financial trends, but still find yourself stuck, the problem might not be your work ethic, your boss, or even bad luck. The real issue is likely your approach.

But what if there was a better way? A new framework for understanding how to build wealth that actually works—not some get-rich-quick scheme or one-size-fits-all solution, but a philosophy that fundamentally changes how you think about money.

Enter The Wealth Ladder. This revolutionary system doesn’t tell you what to do; it teaches you how to think about your finances. In a world where interest rates, careers, and desires are always shifting, why should your strategy for building wealth stay the same? It shouldn’t. Instead, you need a solid framework that adapts with you throughout your financial journey.

The Wealth Ladder breaks down wealth into levels, each requiring a different strategy. What gets you from Level 1 to Level 2 is not the same strategy that will get you from Level 5 to Level 6. Throughout the book, you’ll learn which strategies are best suited for each level, allowing you to tailor your approach as you climb higher. This framework will fundamentally change how you look at your finances, and the financial choices you make.

Because the difference between those who build wealth and those who don't isn’t just about hard work—it's about following the right strategies and focusing time and energy where it matters most. With The Wealth Ladder, you won't need to guess where to put your focus. The path to financial success is clear; the only question left is, are you ready to climb?

'An excellent book' Scott Galloway
'Refreshingly honest' Annie Duke

© Nick Maggiulli 2025 (P) Penguin Audio 2025

Investing & Trading Personal Finance Money

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Critic reviews

Beautifully reframes how we think about money by meeting people where they are. If you want to reach your financial goals while having a healthy relationship with money, this is the book for you. (TIFFANY “THE BUDGETNISTA” ALICHE, author of Get Good With Money)

Different stages in life require different ways of thinking about money. I learned that by trial and error. All you need to do is read Nick Maggiulli’s excellent book. (SCOTT GALLOWAY, author of The Algebra of Wealth)
A refreshingly honest guide that will improve not just how you manage your money but how you make decisions about what truly matters. (ANNIE DUKE, author of Thinking in Bets)
Nick Maggiulli has done it again. In The Wealth Ladder, he combines deep data analysis with clear, actionable insights to help you grow your wealth—and understand which level of wealth is most likely to make you happy. (SETH STEPHENS-DAVIDOWITZ, author of Everybody Lies)

Few financial story tellers can match Nick Maggiulli’s eye for narrative. Highly recommended. (WILLIAM BERNSTEIN, author of The Four Pillars of Investing)

Nick Maggiulli has a gift for blending the rational world of data with the connective power of storytelling, and does so seamlessly with this incredible book. (LAWRENCE YEO, author of More to That)
All stars
Most relevant
No matter where you are on the wealth ladder, you will find this an excellent book to read again as a reminder of what truly matter at different wealth level. It simple, relatable and useful. As an L4, I found clarity, confirmation, direction and satisfaction reading this book. It is a sequel to all good books I have read on how to invest. This book puts it all in perspective. I hope many will discover the book.

An Unhidden Gem

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An excellent book setting out a simple framework for classifying wealth into different levels and explaining nuances of each. I've just moved one level up in my wealth journey so this book delivered a plethora of useful insights and generated lots of thoughts for further consideration. Have already recommended it to my wife so that we can discuss a range of topics that the book touched upon. Also felt somewhat close to the author as the sources and his references made throughout the book were all familiar to me.

A new lens to see the world

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The author reads better than most of the professionals! It have a lot to think about!

Great book, easy to listen and understand

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Very well written with simple, easy to understand, and valuable content. Very well read as well. It contains good advice backed by data and many good examples to illustrate the points

Great and straightforward book

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This book is packed with actionable insights that go beyond generic advice, it actually gives you a clear roadmap to climb the wealth ladder step by step. Nick does a fantastic job explaining complex ideas in a simple, relatable way. The narration is excellent, steady pace, clear delivery, and easy to follow.

What really sets this book apart is the attached PDF, it includes a very detailed dataset that supports the strategies discussed in the chapters. It adds so much value and helps you apply the concepts to your own situation.

Highly recommended. I’ll definitely listen to it again and share it with friends.

Must-listen for wealth builders

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