CONTENTS
WARNING ……………………………………………………………………………. VII
FOREWORD: FEBRUARY 1972 ……………………………………………………. 9
THE CRANKY OLD DOCTOR …………………………………………………….. 11
PART ONE: THE GLASS JAR ……………………………………………………… 18
THE KEY WEALTH FORMULA …………………………………………………….. 19
GOOD ADDICTIONS ………………………………………………………………. 22
THE CONSTIPATED ACCOUNTANT ……………………………………………. 23
KISS ……………………………………………………………………………………. 24
DELAYED GRATIFICATION ……………………………………………………….. 25
THE HARE AND THE TORTOISE …………………………………………………. 26
BELIEF ………………………………………………………………………………… 27
THINK BIG ……………………………………………………………………………. 28
NELSON BUNKER HUNT …………………………………………………………. 29
GOOD DEBT, BAD DEBT ………………………………………………………….. 30
THE 80% CLUB ……………………………………………………………………… 32
WEALTH / HEALTH …………………………………………………………………. 33
TERTIARY TRAP ……………………………………………………………………… 34
CASH FLOW …………………………………………………………………………. 35
A BIRD IN HAND… ………………………………………………………………….. 36
RAINY DAY MONEY ………………………………………………………………… 37
WORK SMART NOT AND HARD …………………………………………………. 38
IMAGINATION ………………………………………………………………………. 39
BECOME UNCOMFORTABLE ……………………………………………………. 40
PART TWO: GLASS JAR BROKEN ……………………………………………….. 41
DRUGS AND ALCOHOL …………………………………………………………… 44
SCHOOLIES, TOOLIES AND FOOLIES …………………………………………. 45
BULLSHIT LIFESTYLE ……………………………………………………………… 46
EXPENSIVE TOYS …………………………………………………………………… 47
“UM, I’VE SOME NEWS… GRANDMA!” ……………………………………….. 48
R’ON (LATER ON) …………………………………………………………………… 49
JEALOUS FRIENDS ………………………………………………………………… 50
“BUT I’M ONLY YOUNG ONCE!” ………………………………………………… 51
GLASS JAR MILLIONAIRE
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GET RICH QUICK SCHEMES ……………………………………………………… 52
VOC ……………………………………………………………………………………. 53
GAP YEAR DUMMIES ………………………………………………………………. 54
BLIND ALLEYS ………………………………………………………………………. 55
TOO HARD!…………………………………………………………………………… 56
LOSS OF FOCUS ……………………………………………………………………. 57
BUGGERISING AROUND …………………………………………………………. 58
GREAT EXPECTATIONS ……………………………………………………………. 59
SHIT HAPPENS ……………………………………………………………………… 60
BRAINHEADS ……………………………………………………………………….. 61
SMART PHONE, DUMB USER ……………………………………………………. 62
NO GOAL, NO HOPE! ……………………………………………………………… 63
ROLLING STONES ………………………………………………………………….. 64
NO MENTOR …………………………………………………………………………. 65
RICHARD CRANIUM ……………………………………………………………….. 66
FOMO …………………………………………………………………………………. 67
PARALYSIS THROUGH ANALYSIS ………………………………………………. 68
SHOW US YOUR TATS ……………………………………………………………… 69
CHICKEN LITTLES ………………………………………………………………….. 70
TAP AND GO….BROKE! ……………………………………………………………. 71
CREDIT, CREDIT EVERYWHERE… ………………………………………………. 72
GAMBLER’S FOLLY …………………………………………………………………. 74
INTERLUDE: FEBRUARY 2002 …………………………………………………… 76
PART THREE: FILLING THE GLASS JAR ……………………………………….. 79
TOTAL LIFE INCOME ……………………………………………………………….. 80
HOW TO USE THE 40 YEAR INCOME TABLES ………………………………… 87
RENTERS, RENTERS, EVERYWHERE …………………………………………… 91
BASIC LOAN PAYMENT TABLES …………………………………………………. 98
BAH! HUMBUG! …………………………………………………………………… 104
THE SCROOGE DEPOSIT PROGRAMS ……………………………………….. 105
GIGGLING GERTIE MEETS ARCHIMEDES …………………………………… 108
HUMPTY DUMPTY MEETS EINSTEIN ………………………………………….. 112
EINSTEIN’S 8TH WONDER OF THE WORLD ………………………………….. 116
HOME OWNERSHIP 101 ………………………………………………………… 118
JACK AND JILL ……………………………………………………………………… 121
OPPORTUNITY LOST… …PARADISE LOST ………………………………….. 127
BANKS, YOUR NBF ……………………………………………………………….. 130
CRANKY OLD DOCTOR
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PART FOUR: NO MORE KIDS STUFF …………………………………………. 131
THE GREAT AUSTRALIAN DREAM NIGHTMARE ……………………………. 132
B.T.R: THE RABBIT IN THE HAT ………………………………………………… 137
TOD: THE SECOND RABBIT ……………………………………………………. 142
WHY POLLIES CAN NEVER WIN ………………………………………………. 149
THE 50 YEAR TRAIN WRECK ……………………………………………………. 154
THE CURIOUS DISAPPEARNCE OF A MILLION DWELLINGS …………… 158
RHUBARB, RHUBARB, RHUBARB! …………………………………………… 168
NO MIGRATION = DISEASE AND STARVATION ……………………………. 172
BIPOLAR DISORDER …………………………………………………………….. 176
A PIG WITH LIPSTICK …………………………………………………………….. 177
TOP DOWN SOLUTION …………………………………………………………. 187
BOTTOM UP SOLUTION ………………………………………………………… 192
CRUNCH TIME ……………………………………………………………………. 197
PART FIVE: THE GLASS JAR FULL …………………………………………….. 198
THE HECS HEX ……………………………………………………………………. 199
WHY MIGRANTS SUCCEED ……………………………………………………. 200
WHY MANY GIRLS SUCCEED ………………………………………………….. 201
WHY MANY BOYS FAIL ………………………………………………………….. 202
GO FOR GOLD …………………………………………………………………….. 203
THE $100,000 SCROOGE GOLD MEDAL ……………………………………. 204
AFTERWORD: OCTOBER 2022 ………………………………………………… 207
APPENDIX 1: GLASS JAR MILLIONAIRE IN THE UK AND THE USA ……. 210
APPENDIX 2: UPCOMING CRANKY OLD DOCTOR BOOKS …………….. 211
ABOUT THE AUTHOR ……………………………………………………………. 212
