here's something else that might help you...https://en.wikipedia.org/wiki/The_Richest_Man_in_Babylon_%28book%29 this book is available as .pdf on people's websites but people generally change to add their 2 cents, it so this one I think is pretty clean of that. I am going to scour this article as well - thanks!
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You are hooking me up with a lot of valuable information! I will have to give this a read during my winter break.