From the Founder, Chairman, and CEO of Operation HOPE, John Hope Bryant.

The Money Matters podcast had me on to talk about my book The Memo: Five Rules for Your Economic Liberation.
Once you have satisfied your basic needs of food, water, health and a roof over your head, poverty has more to do with your head than your wallet. Most people in the invisible class, and millions in the struggling middle class, simply never got the memo. The book is my attempt to hand it to them.
Source: Money Matters Podcast, Episode 190, February 2018.