A New Framework for Building Wealth

"Highly recommend"

William Bernstein

 Bestselling Author of The Four Pillars of Wealth

"Refreshingly honest"

Annie Duke

Bestselling Author of Thinking in Bets

Coming July 22, 2025

"Highly recommend"

William Bernstein

 Bestselling author of The Four Pillars of Wealth


Available to Order:

Pre-order The Wealth Ladder from P&T Knitwear by July 8th and you’ll automatically receive a signed copy. The P&T Knitwear page won’t mention this, but your copy will be signed.


About the Book

Are you working more, trying to spend less, yet still not seeing results?

The problem isn't your effort—it's your approach.

This is where The Wealth Ladder comes in. The Wealth Ladder offers a new way to think about money, breaking wealth into six distinct levels—each requiring its own strategy. What works in Level 1 won't cut it in Level 6—and vice versa.

You'll learn exactly how to handle your spending, income, investments, and more, with tailored advice for every stage. The result?

Smarter choices, less stress, and a clear path upward.

Because building wealth isn’t just about working harder—it’s about applying the right strategy at the right time. The Wealth Ladder shows you how.


Praise for The Wealth Ladder

(scroll left/right for more reviews)

Author

"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
NYU Stern Professor, Prof G Markets podcast host and Bestselling Author of The Algebra of Wealth
Author

"The Wealth Ladder 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
New York Times Bestseller
Author

"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
New York Times Bestselling Author of Everybody Lies
Author

"The Wealth Ladder is the most comprehensive and accessible guide to wealth creation I’ve ever read. 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 and Illustrator at More to That
Author

"Nick Maggiulli masterfully distills complex financial principles into a practical, step-by-step guide. The Wealth Ladder is a must read for anyone looking to break free from financial limitations and build a future of abundance."

Dr. Paris Woods
Author of The Black Girl's Guide to Financial Freedom: Build Wealth, Retire Early, and Live the Life of Your Dreams
Author

"Forget one-size-fits-all personal finance guidance. The Wealth Ladder provides a wonderful framework for setting financial priorities and crafting a financial plan that will fit each of its readers like a glove."

Christine Benz
Director of Personal Finance, Morningstar and Bestselling Author of How to Retire
Author

"Few financial story tellers can match Nick Maggiulli’s eye for narrative; in The Wealth Ladder, he applies that skill to not only lay out the route to ever higher levels of personal wealth but also to describe their occasionally fearsome human costs. Highly recommend."

William J. Berstein
Efficient Frontier Advisors and Bestselling Author of The Four Pillars of Wealth
Author

"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
Bestselling Author of Thinking in Bets

Praise for The Wealth Ladder

Author

"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
NYU Stern Professor, Prof G Markets podcast host and Bestselling Author of The Algebra of Wealth
Author

"The Wealth Ladder 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
New York Times Bestseller
Author

"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
New York Times Bestselling Author of Everybody Lies
Author

"Forget one-size-fits-all personal finance guidance. The Wealth Ladder provides a wonderful framework for setting financial priorities and crafting a financial plan that will fit each of its readers like a glove."

Christine Benz
Director of Personal Finance, Morningstar and Bestselling Author of How to Retire
Author

"The Wealth Ladder is the most comprehensive and accessible guide to wealth creation I’ve ever read. 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 and Illustrator at More to That
Author

"Few financial story tellers can match Nick Maggiulli’s eye for narrative; in The Wealth Ladder, he applies that skill to not only lay out the route to ever higher levels of personal wealth but also to describe their occasionally fearsome human costs. Highly recommend."

William J. Berstein
Efficient Frontier Advisors and Bestselling Author of The Four Pillars of Wealth
Author

"Nick Maggiulli masterfully distills complex financial principles into a practical, step-by-step guide. The Wealth Ladder is a must read for anyone looking to break free from financial limitations and build a future of abundance."

Dr. Paris Woods
Author of The Black Girl's Guide to Financial Freedom: Build Wealth, Retire Early, and Live the Life of Your Dreams
Author

"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
Bestselling Author of Thinking in Bets

10 Things The Wealth Ladder Will Teach You

Learn how to...

Build wealth in every circumstance.

Spend money, stress-free (with The 0.01% Rule).

Accelerate your professional growth.

Invest like the wealthy.

Increase your income (and why it's so important)

Determine your next career move.

Avoid the most common mistakes in every wealth level.

Reimagine how you think about money.

Work smarter, not harder.

Find joy and fulfillment throughout your wealth journey.

...and more.


For Fans of Just Keep Buying

My first book, Just Keep Buying, was about the tactics related to saving and investing. It helped you determine how much you should save, what you should invest in, and more.

The Wealth Ladder goes beyond this by examining the various strategies for building wealth within each wealth level. Just Keep Buying is one of these strategies.


About the Author

Nick Maggiulli is the Chief Operating Officer at Ritholtz Wealth Management. He is also the author of the international bestseller Just Keep Buying: Proven Ways to Save Money and Build Your Wealth. He writes weekly at OfDollarsAndData.com, a blog focused on the intersection of data and personal finance.

His work has been featured in The Wall Street Journal, Forbes, and CNBC. Mr. Maggiulli graduated from Stanford University with a degree in economics and currently resides in the New York City metropolitan area.

For any media inquiries please contact Lauren Ball at laball@penguinrandomhouse.com

Order Your Copy


Pre-order The Wealth Ladder from P&T Knitwear by July 8th and you’ll automatically receive a signed copy. The P&T Knitwear page won’t mention this, but your copy will be signed.

 International Editions


English (Non-U.S.)

Japanese, Chinese, Korean, Portuguese, Italian, and more
(Coming Soon!)