YouDidEverythingRight.
Here's Why It Didn't Work.
BROKE BY DESIGN reveals the five hidden mechanisms keeping you financially stuck—and the counter-moves to beat each one.
The Math That Worked for Your Parents Is Broken
These aren't opinions. These are the numbers—and understanding them is the first step to beating the system.
Home price to income ratio
1970
$23,000
median home
2024
$420,000
median home
Median income: $6,500 → $56,000
Source: U.S. Census BureauTotal student debt
2004
$250B
total debt
2024
$1.77T
total debt
45 million borrowers • Avg: $37,000/person
Source: Federal ReserveProductivity vs. wage growth
Productivity
+64.6%
since 1979
Wages
+17.3%
since 1979
Workers produce more, keep less
Source: Economic Policy InstituteThe rules changed—but once you see the game clearly, you can start winning it.
The 5 Designs Keeping You Broke
The financial system contains five specific mechanisms built to extract money from people who don't understand how it works. Each has a counter-move.
Cristobal Mitchell
Engineer turned financial guide
Hurricane Andrew survivor
Lost everything at age 4
$100K+ in debt
Student loans, credit cards, medical bills
Beat the system
Now sharing the playbook
“I learned the hard way what they don't teach you in school. The insider knowledge that should be free—because the people who need it most can't afford to pay for it.”
Get the 5 Designs Cheat Sheet (Free)
A one-page breakdown of every mechanism—and the counter-move to beat it. Plus exclusive updates as the book develops.
What's in the cheat sheet: