Journey to a million Building wealth without losing what matters

What would financial success look like if it gave you more freedom, more security and more time for the people you love?

You work hard, meet your responsibilities and try to make sensible decisions. Yet between everyday expenses, debt and competing priorities, building wealth can still feel like something you will get around to later.

Journey to a Million: Building Wealth Without Losing What Matters helps you turn that uncertainty into a clearer direction.

Drawing on personal setbacks, business ventures, career growth and family life, David Farrugia explores how ordinary financial decisions can gradually create greater stability and choice. Through stories, worked examples and practical exercises, he explains both what you can do and why it matters, helping you adapt each lesson to your own circumstances.

The journey begins with understanding where you stand, then moves through budgetting, managing money, strengthening your income and putting your savings to work.

Inside, you will explore how to:

- Understand your financial position and create a budget that reflects your actual life.
- Build a sustainable savings habit and a reserve for unexpected expenses.
- Approach debt with a clear plan and understand the trade-offs involved.
- Improve your earning potential through your career, skills and carefully chosen side ventures.
- Make sense of investing, diversification, costs and risk before committing your money.
- Assess property as an investment, including the responsibilities behind the potential returns.
- Decide what "enough" means for you, so that ambition leaves room for family, generosity and peace of mind.

Written in accessible language, with a European perspective, this book connects the practical work of managing money with the larger question of what you want your money to make possible. The author's Catholic faith informs reflections on stewardship and responsibility, while welcoming readers of any faith or none.

Exercises help you apply the ideas to your own finances, and the closing Golden Nuggets reference guide makes key lessons easy to revisit as your circumstances change.

Whether you are finding your financial footing or ready to make more deliberate decisions about the future, Journey to a Million offers a thoughtful starting point.

A million gives the journey a destination. What matters is building a life you want to live along the way.