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The Financial Matrix

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The Financial Matrix is the best, most effective system elites have employed to control the masses. Because it is difficult to detect, the Financial Matrix easily seduces people into willingly enslaving themselves with debt. But Orrin Woodward discovered its existence and managed to free himself. Now his book brings you that same awareness and gives you the tools and principles to break free and create a life of abundance.

123 pages, Paperback

First published April 1, 2015

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About the author

Orrin Woodward

56 books296 followers
Guinness World Record holder for largest book signing ever with the release of And Justice For All, Orrin Woodward is an Inc Magazine Top 20 Leader. Further, he is a NY Times bestselling author of LeaderShift and Launching a Leadership Revolution. His first solo book RESOLVED: 13 Resolutions for LIFE made the Top 100 All-Time Best Leadership Books List and the resolutions are the framework for the bestselling Mental Fitness Challenge personal development program.

Orrin has co-founded two multi-million dollar leadership companies and serves as the Chairman of the Board of the LIFE Business. He has a B.S. degree from GMI-EMI (now Kettering University) in manufacturing systems engineering. He holds four U.S. patents, and won an exclusive National Technical Benchmarking Award.

He follows the sun between residences in Michigan and Florida with his lovely wife Laurie and their children. Orrin's leadership thoughts are shared on his blog - orrinwoodwardblog.com.

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5 stars
132 (67%)
4 stars
32 (16%)
3 stars
16 (8%)
2 stars
8 (4%)
1 star
7 (3%)
Displaying 1 - 30 of 39 reviews
Profile Image for Mike Thompson.
8 reviews2 followers
June 8, 2015
In the past I was very unwise with my finances. My parents didn't have the knowledge to help and I wasn't too concerned about finding someone who could help guide me through the maze to success. I just assumed that everyone lived paycheck to paycheck and would do so until we retired. I was so clueless about money, where it comes from, how to make it and keep it that it was a mystery to me. The Financial Matrix is a perfect starting point for anyone looking to begin their escape from The Financial Matrix! Once we take the "red pill" and leave the Matrix there is some amazing information provided by Orrin Woodward and his company, Life Leadership. The goal of their Financial Fitness program is to provide the tools to get out of debt and stay out of debt with out having to spend a fortune to learn this information! I recommend this book and their entire program to everyone.
July 9, 2015
I came across this book as I met an enterprising young man hawking Life Leadership, seemingly a new multi-level marketing business. when I first laid eyes upon this book I was confronted with mixed emotions, ostensibly it sounded like a conspiracy book, after all most conspiracy theories or literature couch their arguments in language belonging to the Matrix franchise, concepts like the red pill, the matrix (i.e., systemic deception), adherents of these conspiracy theories often feel they are liberated or otherwise free from what everyone else is trapped in. It was no surprise that a book that has its front cover decorated with floating currency signs draped in sci-fi green coat would heavily use and abuse the Matrix narrative. My initial thought that it would be a conspiracy book was mostly untrue, but the book does definitely stray into conspiracy territory, especially with the dubious explanation regarding fractional reserve banking (explained more below).

Alas, the start of the book opens with a cringe inducing exchange taken straight from the Matrix where the author adds in brackets [Financial] next to the word Matrix into the dialogue between Neo and Morpheus. The author sums up what is going on, everyone is taking on debt and being buried, the author uses his own personal anecdotes to give a personal taste to his argument. His wife is pregnant and the news is troubling to the author because of the mounting debt, no surprise by the end of the book the author is relieved from his crushing financial obligations and presumably is willing to sell his plan to you at a subscription rate (Life Leadership). The problematic part with this is the over use of Matrix clichés (no surprise given the cover), the tired memes of blue and red pills, the awakening and escape and seeing the truth, ostensibly it sounds novel and prolific but it's bromidic. The 'truth' he sells is this: a system has been constructed to enslave you to debt and to keep you down. To bolster his claims he borrows from history and references slave systems and feudal systems, the modern debt paradigm is the just a new revision of that according to Woodward.

While Woodward probably figured that using the simple-to-digest Matrix narrative was best to connect with his audience, I feel this over simplifies the complexities of economics and finance and waving your hands and decrying that a cabal holds immense power and seeks to enslave you is a bold claim and I don't find Woodward's account convincing. While Woodward and I can probably find common ground on how the deck is stacked against the average joe, to allege there is some grand conspiracy or system that enslaves everyone analogously to the Matrix is an over extended enterprise. I suppose it is not as sexy to suggest that the global financial system is complex and nearly undecipherable. But admitting that it is complicated with no easy answers doesn't sell as well if there is a concrete enemy: the oligarch. The Matrix was easy to understand humans vs machines, Woodward (unoriginal in this regard) boils down the narrative to be everyone vs. oligarchs.

Probably one of the biggest flaws of this book is the rather sketchy reasoning to explain why the people are drowning in debt. Instead of directly blaming people becoming more self-centred and ostentatious focused, or keeping up with the joneses, neoliberalism, or other typical suspects, Woodward puts the blame at the doorstep of Fractional-reserve banking. Woodward's reasoning is rather simple: fractional-reserve banking works by a bank only having to have a fraction of money on hand held as deposits while it can loan out that money many times over. This allegedly allows a superfluous amount of credit to be created. While Woodward isn't attempting a serious economic tract on monetary policy, I found this proof to be too simplistic. Not to mention that credit wasn't invented with the ditching of the gold standards. I do agree that people are too trigger happy when it comes to swiping their credit card or too eager to buy another watercraft, but can you really blame fractional reserve banking? The inverse being that, if you removed this type of monetary system, would this problem go away? Probably not, credit would still be profitable to banks and Visa, so I would require more to be convinced of Woodward's thesis on fractional-reserve banking. I found his explanation unconvincing and even if fractional reserve banking was to blame I wouldn't be convinced from the arguments presented in this book.

The rest of the book is a blue print for financial success, this is where the author utilizes other billionaire's experiences, referencing Warren Buffet, Sam Walton and Robert Kiyosaki. Woodward references the common financial tricks: attack/defence (i.e., the standard accounting response to budgeting: reduce spending, increase revenue). Woodward lays out a few more, but I'll let the reader discover them, because at only 120 pages or so this book is fairly short. I believe Woodward made a calculated move to have a short book, as the gentlemen from Life Leadership told me many people do not like to read and the sales pitch has to be made in account of a short attention span of potential readers. Woodward is just writing to his audience, which is fine. But I found of only 100 pages of actual material the book was lacking. But as I got to the end I was surprised to see a 25ish page FAQ about MLM, Life Leadership and a falling out Woodward had with some others, I skimmed this part because I was wholly uninterested in joining a MLM and had no idea who Woodward was, so it was uninteresting.

As way of summary, I am not the target audience of this book. I am convinced this book is for prospective Life Leadership recruits, or people who are entirely new to financial self-help books. In that case you may find this book interesting or informative. For those people I would suggest picking up a few other books as well , as this is only really a small taste of the literature that is out there. For people who are uninterested in joining Life Leadership, or have a solid or even basic grasp of financial skills, I would suggest not spending the $11 on this book and save it instead.

2/5

Originally submitted to Amazon on 04/06/2015
7 reviews
Read
July 21, 2015
The Financial Matrix is an amazing book that explains every financial problem I have had since getting married while in college. We began our marriage already caught in the matrix, and after 22 years are just now beginning to see that there may be a way out. We experienced the 45 year plan every year as we used our tax returns to pay down credit card debt, only to end up just as far behind or farther by the next year. This book explains why we have had such a struggle, and shows a way out to true financial freedom.
Profile Image for Mark.
10 reviews
July 4, 2018
Warning: This is a sales-letter in disguise! My Kindle shows 102 search results for his "Life Leadership!" program.

Aside of that, most of this book is the vapid self-help blabla you've probably read in a mountain of other books.

In terms of real financial education, you're being offered some superficial tips you've also probably heard about already (dont' use credit cards, spend less than you earn, etc.).

Why not only a "1-star-rating?" After all, you'll get introductive education about bank systems and money.
1 review
April 24, 2016
Basic budgeting information that can be obtained through better books than this. Basically a way to lure people in financial straits into the Life Leadership marketing pyramid.
January 17, 2019
Personal Response:
I like The Financial Matrix because it talks about the community and why it is so mess up with the banking system. The book is trying to explain that most of everyone's money just goes right into the banks. The main concern to this book is the rapid growth of the increase of price in debt. People think it nice that the bank let them borrow money but, it is a scam because it very easy to get into.

Plot Summary:
The first part of this book this guys story he explains that he just was starting a family. He was happy but also terrified about their financials because it wasn’t the greatest. Then he talks about the Financial Matrix starts to explain the control of the debt system, it allows some people to make a lot of money in people's debt. Most people get the dream first before the reality, it is wiser to get a bigger prize later than to get the small prize. Then for a long term dream of a few is to get out of the Financial Matrix, how to get out of it is buying a company that is doing very good and get experience with it.

Characterization:
The Financial Matrix is the complaint of most of everyone's money goes right into the bank system. And it is mostly caused by taxes and more higher prices in the business and government. How to get out of it is to work at a job then get advance with it so you can create a new business and be the owner of that company.


Recommendation:
I would recommend this book to anyone cares about the financial problem with the community. He explains hoe get out of the Financial Matrix, you need to create your own business, it was nice that he found a way how to get out of it. The age limit should be 18 and older because you should worry about it when you are younger.
27 reviews1 follower
May 15, 2018
Pros:
Orrin introduces the book by placing the current financial system in a triage of three (land, labor, capital). It puts a lot into perspective. In addition to the historical background that I enjoyed, he has incredibly easy-to-digest illustrations throughout the book. Finally, I enjoyed the mentions and stories of business leaders like Robert Kiyosaki, Warren Buffet, and Sam Walton as a complement to the book. Very quick read (within hours if you're not busy).

Cons:
Throughout the book, he used top leaders to explain how they built "turnkey" systems. If you build a turnkey system, it works, no matter who uses it. My personal opinion is that when you use a Multilevel Marketing/"direct sales" company, it's not necessarily turnkey. It's entirely dependent on the effort, skills, and desires of the people they help or bring in, as people in the "team/network" have varying levels of commitment - so not everyone can have the multi-million dollar success. I felt like that was a glaring contradiction throughout the book. Second, he frequently talked about the "elites" and the "masses." It felt like it was very divisive, true or not. Yes, it's important to be aware of the system, but the context felt like "the little man is held down by the 'elites'" when the little man can make poor decisions that drive him into greater debt for him and his family. Third, he uses the Warren Buffet quote of "invest in yourself" to expand beyond reading and into making actual investments. Investments are smart, but there could be misinformation in reading the book alone, as some people may think anything that "should" make a return on investment is smart. Not everything does. If one doesn't study the components of what they're investing in, or at least know what to expect as normal, they can end up losing a lot of money. I feel like that could have received more elaboration given the emphasis on becoming an owner/investor.
Profile Image for Brandon Redfern.
56 reviews4 followers
September 17, 2018
At just 122 pages it’s a very quick and easy read. But talk about a roller coaster of how I thought I was going to rate it at different points.

Didn’t love the first chapter. Really enjoyed Chapters 2-7 but HATED the last chapter and FAQ. The middle of the book actually has some really good thoughts which shouldn’t be a surprise because they’re about Buffett, Michael Dell, Kiyosaki and Sam Walton. So yeah nothing original but I did enjoy how he took specific ideas/behaviors and then tied them all together. I also liked reading how he and his wife and others they work with are true teams in their approach to development and financial freedom. He also dives into the importance of the subconscious mind which I’m always a sucker for. I also like how he feels different than Dave Ramsey in that he really pushes being out of personal debt where this feels a little more free in using debt as leverage for a business. But maybe I just took my own conclusion on that one. So to finish off the good he had a few good stories and applications that I marked and will for sure go back to. Had it ended at Ch 7 I probably would have rated it a 4.

Why it’s a 3 ... STOP SELLING ME YOUR MLM! He would have made me so much more interested if he would have mentioned it once or twice but if I read “Life Leadership” and “turnkey business” one more time I think I may lose it. Such bad marketing in my opinion, especially considering he believes himself to be a great marketer. So ... a 3 it is.
37 reviews
July 26, 2021
Livre intéressant, jusqu'à ce que la promotion de l'entreprise Life Leadership (entreprise de "Communauté Compensée" et non pyramidale selon leur dire...) viennent me faire "décrocher". Beaucoup de citations sans réelles références... Ma note est en fait 2 étoiles 1/2. Je suis perplexe à propos de ce livre... J'aime tout de même le message "Vivre en-dessous de ses moyens" ou "à la mesure de ses moyens" qui s'y trouve.
March 25, 2018
This is a fantastic book about changing the way we view money. Orrin delivers a healthy perspective in what true financial freedom looks like. A step by step financial success plan is laid out in this book, we just have to stay committed & dedicated to our goals!
2 reviews1 follower
August 28, 2019
This book clearly unveils and explains the perplexing feeling most Americans cannot express regarding the the prevailing financial trap that boxes us in. Complex economics are explained in simple terms. History is summarized in a readable and fun fashion
Profile Image for Simeon.
95 reviews5 followers
June 1, 2018
I gleaned lots of valuable pieces of information from this book. Worth the time.
Profile Image for SJ Barakony.
120 reviews3 followers
May 12, 2015
I'm a strong believer in economics education - having been a Major in Economics while in college, I carry this over to the present day, nearly twenty years later, to my company, which focuses on education as a service, and in which I advise, mentor, pathfind, & facilitate for B2B & B2C.

This 115+ page book is just the type I like (and will) recommend to those whom I work with - it covers a lot of ground, focusing mainly on economics, but also neatly interweaving crucial principles and wisdom in the areas of entrepreneurship, systems thinking, business, leadership, and finance/banking.

This is a 4 1/2 star book - alas, as other reviews I've written point out, cannot use 1/2 *'s.

Definitely worth investing in for less than $15!
635 reviews1 follower
July 23, 2015
The world is beginning to wake up to the fact that something is wrong in the financial world. Orrin Woodward has studied the experts and come up with easy to follow, but well written, expanation of what has gone wrong and what we can do to protect ourselves.

Taking the popular movie "The Matrix" as a recognizable starting point Mr. Woodward has pulled the wool off our eyes as to how we are becoming slaves to those who already control much of the world's wealth. This is not a conspiracy book but rather a step by step guide on how to hold on to our assets, how to grow them, and how to find our way out of this financial matrix.

I highly recommend this book to all my friends and we are sharing it with all our new and old business partners.
Profile Image for Brandon Perry.
134 reviews5 followers
December 23, 2015
Absolutely the best book you can read this year. This book basically explains to me why it's important for us to become debt free as families, especially from mortgage debt, if we expect to be a free society once again. As long as we are in debt we are owned by it and those that control the debt money. Also he goes on to explain why LIFE Leadership is leading the way in the networking industry and truly helping to empower people to become their best in their chosen fields.
Profile Image for Antonio Sosa.
7 reviews
May 8, 2015
Great insight, perspective, and comparison to the movie. Definetly a great book that everyone should read. If you know that there is something wrong with where you are, and it's obvious you didn't plan on being in your current financial situation, a must read. I have been all in since introduced to Life Leadership.
Profile Image for Chelsea.
32 reviews1 follower
October 31, 2015
Absolutely fantastic book hands down! Quick to read and simple enough to comprehend but massive information to change your thinking! This book should be promoted to anyone you care about. Revealing what's going on in our financial society and what we can do to become free!

Third time read! There isn't a 'too much'!

Read:
May 4-5, 2015
Aug 30-Sep 2, 2015
Oct 30-31, 2015
3 reviews2 followers
May 12, 2015
What an amzing book. I recommend you read this book if you have ever felt like a hamster on a wheel. This book helps you understand the forces against you from ever breaking free. If you feel like there has to be more to life, then this book will free the rascal within you. You will discover that there is a way out of the Financial Matrix and the content will resonate within you.
1 review
May 20, 2015
This is a fantastic book. Orrin Woodward has brilliantly captured the essence of the problem. Most people sense they are stuck, know it's a problem, and realize they can't escape from their circumstances. This is the best, most compact exposition on the success thinking required to start someone's journey out of the Financial Matrix, moving from being debt free to financially free. Great read!
Profile Image for T.J. Allen.
Author 2 books4 followers
July 12, 2015
I have always thought along the lines of what Orrin has written here. This is just concise, accurate and simple book that outlines it all. I appreciate this book and the principles outlined here. They have been the basis of my family retiring thousands of dollars of debt and on our way to being completely financially free.
Profile Image for John Manigold.
3 reviews3 followers
May 4, 2015
Warning: contains spoilers!

Spend less than you make and make more than you spend. Invest in assets, don't waste money on liabilities.

Love the book because it's an easy read, simple and to the point! Should be required reading for high schoolers!
This entire review has been hidden because of spoilers.
Profile Image for Karl.
9 reviews10 followers
May 16, 2015
Eye opener if you are worried about our economy and your place in it. Powerful chapters that suck you in and educate you to the crisis that everyone is facing financially.

It's not just a "their" problem, it's a "we" issue now.
Profile Image for Michael Owens.
5 reviews1 follower
June 11, 2015
The Matrix Movie but relating to Finances in Today's World...NOW. You cannot change or become FREE until you recognize where you currently are. NEO had work to do...so do you if you want different results in your life.
1 review
June 13, 2015
This is such a great book to initially open people's minds to the concept that they are still slaves, if they are in debt and not financially free. It's a great wake up call, and so amazing these Engineers designed a way out of the matrix for EVERYONE!
Profile Image for Jean.
8 reviews
August 3, 2015
Wrote with a cute spin on the authors life and how they got out of dept. (The Financial Matrix)
We all live there, in dept from loans, credit cards, student loans, and just living life trying to get out of dept or get better credit, all the wrong ways.
Profile Image for Christopher Wild.
27 reviews2 followers
May 11, 2015
Orrin Woodward's insights into the Matrices of control and society's currently struggles through the financial matrix should be required reading by all Americans (and beyond).
Profile Image for Marc Page.
96 reviews19 followers
July 3, 2015
Incredible way to explain what the Financial Matrix is and principles to escape it. The real life stories help in understanding and relating the principles to my own LIFE>
May 30, 2015
One of the best and easiest to read books about finances that I have come across as of yet! A must read to better understand the financial world. Great job Orrin!
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