This Book is about the untold stories in our History and about how finance really works. It is very much about ethnic, class, and economic suppression, but through a different lens. Rather than spending time condemning the oppression, bad realities are acknowledged, but with the proposition to make the future a positive, democratic, and prosperous experience. Skip the revolution and start building now. This book introduces new economic tools. The new reality reduces the relevance of money and banking. They are no longer the sole economic forces fueling economic power. They become simply handy tools, but no longer "an end, in and of themselves". There are now alternative tools to be called upon. The goal is to escape from debt peonage where families live paycheck to paycheck. Rather than the normal state of things being a home with a mortgage on it, most people will recognize the need for, and use, the new tools to own their homes free and clear of mortgage debt. The new home estates will also provide a base to produce income. The goal is to return to a self-sufficient lifestyle that is also a vehicle for income.