History of Financial Advice Collection. Much like Howard Ruff’s How to Prosper During the Coming Bad Years: A Crash Course in Personal and Financial Survival (1979) Harry Schultz’s book of financial advice is one that responds to the financial crises of the early ’70s, especially the fear that growing inflation held, by critiquing the role of government intervention and by advocating the possession of gold, in particular, as a counter to the inflation persistently associated with paper money in the American economic imagination. Schultz’s work goes much further than most financial advice, however, in combining his description of the varied options that real estate, commodities, stocks, bonds, and mutual funds offer the investor in a moment of financial crisis with a virulent critique of redistributive and liberal economic theories.