From Planning to Prosperity

What if prosperity depends not only on planning, but on understanding how people think, feel, and behave about money? From Planning to Prosperity: The Power of Financial Literacy in Ghana’s Informal Economy explores how financial decisions are made within one of the world’s most resilient yet economically vulnerable sectors. Obtaining evidence from nearly 900 informal sector workers, the book proves why hard work and planning alone often fail to provide financial security.

Testing conventional assumptions, it reveals that increased financial knowledge can both empower people and heighten understanding of risk, insecurity, and limitation shaping confidence, behavior, and well-being in complicated ways. By combining behavioral theory, empirical evidence, and practical insight, the book establishes that effective financial empowerment must extend beyond information to include confidence-building, emotional resilience, and convincing planning tools.