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Paul Daneshrad is living proof that it's still possible to achieve The American Dream. As a child, his family was forced to make sacrifices and he made a promise that he would never live like that again. He kept that promise, proving that with discipline and hard work, anybody can achieve success in this country. Too many people fail to achieve success, and it will be harder than ever in the upcoming decades because of what Paul calls "The Great Conflux." Increased longevity, the aging population, and the astronomical national debt have put the country on a path to crisis. The voting public and the politicians may not take the action necessary to avoid disaster, but the public can insulate themselves. In Money and Morons, Paul lays out the basic formula that anyone can follow to build wealth and finally live The American Dream.