A man and woman walking through an open door into warm golden light

Unlearn Rich: Decide

Every financial
mistake happened
in a room.

Master the six high-stakes rooms that build — or destroy — real wealth.

Get the Book

From the opening pages

"Every financial mistake you have ever made happened in a room. A boardroom, a bedroom, a kitchen table, a car ride, a phone call in a parking lot. The room had people in it. The room had pressure in it. The room had history in it."

"The room is where financial outcomes are actually decided. Not in spreadsheets. Not in theory. Not in the quiet calculation of someone thinking alone — but in the charged atmosphere of real life, where other people, old patterns, and unexamined beliefs converge."

"What you need is not more knowledge. You need a different kind of preparation."

Framework

The EARN Model™

Gather the objective facts before entering any high-stakes financial room. Evidence is not opinion or assumption — it is the verifiable data, the numbers, the documented history that grounds every decision in reality. When you enter with evidence, you enter with clarity.

The right question — asked at the right moment — changes the entire arc of a conversation. Most people avoid asking because they fear looking unsophisticated. In truth, the person who asks gains control of the room. Learn to ask questions that clarify, disarm, and reveal what matters most.

Understand the reasoning — yours and theirs. Rationale is the bridge between data and decision. When you can articulate why you are doing something, and why the other party wants what they want, you can navigate with precision rather than reacting on instinct or emotion.

Move deliberately through the room. Navigation is the art of applying Evidence, Ask, and Rationale in real time — reading the dynamics, adjusting your approach, and steering toward the outcome that serves your long-term financial life. This is where preparation becomes performance.

The Six Rooms

Where wealth is won or lost

Room 01

Negotiation

Every dollar left on the table was given away in a conversation you weren't prepared to have.

Elena Vargas  ·  Denver, CO

Room 02

Investment

The most dangerous investor in the room is the one who doesn't know they're being influenced.

Kevin Park  ·  Houston, TX

Room 03

Relationship

Shared finances reveal what shared values actually are — not what you thought they were.

Danielle & Rob  ·  Atlanta, GA

Room 04

Family

Inheritance, obligation, and loyalty are financial forces — whether anyone acknowledges them or not.

Sofia Reyes  ·  Chicago, IL

Room 05

Career

The salary you accept today is the baseline every future negotiation starts from.

James Whitfield  ·  Columbus, OH

Room 06

Entrepreneurship

The boardroom of your own business is the room where founders discover what they truly believe about money.

Priya Anand  ·  San Jose, CA

Terence Pitre, PhD Unlearn Rich: Decide book cover

About the Author

Terence Pitre, PhD

  • Two-Time Business School Dean
  • Financial Behavioral Scientist
  • US Navy Veteran
  • Top 50 Behavioral Researcher

Dr. Pitre has spent decades studying the behavioral and psychological forces that determine financial outcomes in high-stakes environments. His research on decision-making under pressure has been applied in boardrooms, classrooms, and communities across the country. Unlearn Rich: Decide is the essential guide to mastering the high-stakes rooms where real wealth is built.

Free Tool

Discover Your Room Profile

12 scenarios. 8 possible biases. One clear picture of which patterns are shaping your financial decisions right now.

Each question puts you in a real financial room — a negotiation, a market drop, a family request, a business decision. Pick the response that honestly reflects what you would do, not what you think you should do.

Your dominant and secondary biases appear immediately on screen. Enter your email to receive the full room-by-room breakdown in your inbox.

Question 1 of 12

Your Room Profile

How Your Biases Activate Across the Six Rooms

Get Your Full Room-by-Room Breakdown

You've seen your dominant and secondary biases. Enter your name and email to receive the detailed analysis — specific EARN moves for each of the six rooms, sent directly to your inbox.

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Free Access

Read the First Chapter Free.

Chapter 1 — The Negotiation Room. No email required.

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