Wealth is about more than just money. No matter what you learn about budgeting, saving and investing, your financial situation can't improve unless you commit to your own financial literacy and put money in its proper perspective. The goal of actor and best-selling author Hill Harper's latest book, The Wealth Cure: Putting Money In Its Place (Gotham, $14.65), is to help you to do just that. Fans of Harper know that he is more than just a good-looking actor on the hit CBS crime investigation series CSI: New York. The magna cum laude graduate of Brown University, who holds law and master of public administration degrees from Harvard, has written a series of books focused on the education and improvement of others, including the New York Times bestseller The Conversation. And while he is not a doctor (though he plays one on TV), he comes from a long line of physicians and healers. So it should not come as a surprise that he views wealth through the prism of health, without which money and other assets lose their value and meaning. The Money Cure provides great advice and sound strategies, including information about budgeting and the role of insurance, for managing and investing your money more effectively. But beyond that, this is not your typical money book. Using his own journey both literally and figuratively, including a thyroid cancer scare, Harper shows how money alone cannot give you wealth, nor can the pursuit of it make you happy. True wealth-building is about pursuing wellness, not just dollars. Harper's formula: Money + Wellness = Wealth. Harper takes the reader with him on a train trip from Los Angeles to Chicago, as he ponders the meaning, uses and misuses of wealth and gets his mind around his cancer diagnosis in preparation for surgery to remove his thyroid. (He'd begun work on the book prior to learning of his illness.) Along the way, Harper uses his personal experiences, as well as those of old friends and new acquaintances in his life, to deliver the kinds of revelations about money and its proper use and role in our lives that will literally stop you in your tracks. The effect is akin to a kind of benign, spiritual shock therapy, designed to prod you into recognizing and changing your relationship with, and feelings and choices about money. For example, do you know the difference between dumb money and smart money? Harper explains that the former is spent on things that decrease in value while you sleep, while the latter is spent on things that increase in value as you sleep. Money spent on credit card interest payments is dumb money. Money spent on investments that appreciate and pay interest and/or dividends, such as your company's 401(k) retirement plan, is an example of smart money. In short, dumb money costs money; smart money makes money. It's hard to imagine someone abusing credit or failing to contribute to a retirement savings account once they grasp this concept. And that's the gift of this book: Harper has a way of breaking things down to the point where we can no longer use not knowing better as an excuse for not doing better. Continue reading on the next page To that end, among other things, Harper urges us to commit to a Smart Money Contract. Some of the terms of that contract are: Never accumulate credit card debt. If you have credit card debt, pay more than the minimum payments and negotiate lower interest rates directly with the credit card provider. Research the type of investments that are appropriate for your goals and make investing part of your monthly budget. Start now. No matter where you are in terms of age or income, you can and should seek to invest in ways that are appropriate for you. Reinvest your income and dividends to make your investments grow exponentially. Think long term, not get rich quick. Be patient and don't ever panic. Most important, believe that you can become what Hill calls a "Smart Money Master." His point: Once you change your mindset about money, you will make better money decisions and be on the path to true wealth, which includes physical, mental and spiritual wellness as well as healthy finances. Sounds an awful lot like the Wealth for Life financial principles we urge you to adopt in BLACK ENTERPRISE magazine every month, doesn't it? Not bragging. Just saying. Be sure to pick up and read The Wealth Cure. If you are plagued with money problems, it absolutely could be the cure for what ails you.