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Ask the Mailman will enlighten those who want a very simple plan that will deliver uncommon wealth through investing in high-yield stocks. When coupled with the laws of compound interest, this plan can provide unbelievable results—, even for those who have had unfavorable experiences investing in stocks.


Ask the Mailman describes many ways to make compound interest your personal banker with very little effort or attention. “Cash is king” and this book demonstrates how to get more cash, make it work harder for you, get you an extra paycheck, build up a nest egg, and pay some or all of your bills with “free” money from your stock investments. “Ask the Mailman” also shows you how to make your children, or grand-children millionaires by the time they are forty years old with almost no effort.


Uncommon wealth tips revealed by “Ask The Mailman”
  • Stocks are the greatest and easiest way to get an extra paycheck

  • How to take advantage of a Wall Street yard sale

  • You want to stop working someday… don’t you?

  • Everyone needs an IRA!… not so fast, you can hit the lottery

  • Make your children millionaires… sooner rather than later. .





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Growing up in the Midwest, David Hawkins always thought he would be a carpenter. When the time came, he selected a vocational high school to study carpentry. Upon graduation, he received the Craftsmanship Award for his newly acquired skills. The day after graduation, he started building homes and improving his craft. Four years later, David felt the desire for more. College was the obvious choice, but what field of study? Aptitude test results indicated the best field for David a career in interior design. He selected Kent State University and earned his degree in design.


For more than forty years, David’s passion for design, art and construction have rewarded him with a diverse national client base. His travels as an interior designer have taken him all across the country, doing fun projects and meeting interesting people. During his forty years as a professional designer, he has won several national awards for excellence in lighting and retail design and been awarded two United States and Canadian patents for product design.




"Ask the Mailman" is a must-read!  David Hawkins' book taught me little known facts about Roth IRAs and using the principal to pay for college tuition without penalty or taxes.  This just made sense for our family.  Additionally, we are following David's plan outlined in chapter 20 to make our children millionaires using the "miracle of compounding interest" and by "feeding the goose that lays the golden eggs."  My husband and I are both extremely grateful for the nuggets of wisdom.  The book made it easy for people like us who aren't quite as savvy to learn quickly and begin elevating our investment results.  I highly recommend this book to all, especially to those with young children who want to save for college and retirement.  

This is a very interesting and well-written book about personal finances. The
author goes way beyond stocks and bonds by discussing many phases of
managing your income and assets. He gives practical advice on real estate,
IRAs, Social Security, retirement planning, stocks, bonds and so much more.
This is a well-researched book where the author takes what can be a
“ dry subject” and makes it readable with many personal anecdotes.
This is a good read for anyone with interest and the discipline to manage their
Not only would I recommend this book but I given several copies to friends.


Akron, Ohio


Kent, Ohio


Akron, Ohio

The history of his dad’s determination to generate wealth for his family had a profound impact on David. In turn, he produced a digestible book that shares a simple way to earn a return on money invested in the stock market. His mission was to help others beat the initial fears that are associated with saving for investing.

ZINGA HART - The Devil Strip, Akron, Ohio

This stock-oriented financial guide features unconventional investment advice based on a traditional mathematical principle.

Debut author Hawkins first learned about investing in stocks that paid dividends from his mailman father, who studied copies of the Wall Street Journal—hence the book’s title. Setting a goal of 15 percent return on investment, Hawkins later chose to take part in high-yield stock investing, which is the focus of this short book. Anchored in the sound principle of compound interest, the author’s investment strategy sometimes flies in the face of conventional wisdom. Examples of his contrarian advice include borrowing from a bank’s line of credit to invest in stocks; using a short-term, adjustable-rate mortgage to refinance for stock-investment purposes; and using a stock-trading account instead of a traditional IRA to fund retirement savings. Hawkins begins with an informative overview of the workings of compound interest, demonstrating its power through relevant examples, all of which assume reinvestment of interest over time: “Using the principle of having your money earn interest on the interest is the greatest force you can put into play to make your investments grow exponentially,” he writes. He encourages investors to open a brokerage account, create an investment plan, and buy high-yielding stocks. However, he’s not a fan of investing in real estate because it reduces investing agility: “Selling real estate is like turning an ocean liner, and selling stocks is like turning a jet ski.” One of the more illuminating parts of the book concerns buying a home, as Hawkins relates his own experience of starting on the road to home ownership with a land contract—an unusual first step that avoided the need for a conventional mortgage. He also engagingly discusses construction loans, the difference between a fixed-rate and an adjustable-rate mortgage, the pros and cons of owning versus renting, and whether to consider a vacation home. Equally intriguing is the author’s unconventional view of drawing Social Security benefits; he explains his rationale for taking monthly payments earlier rather than later “to add to my compound interest generating model.” Throughout, the author’s writing is lucid, and the excellent illustrations enhance the content.

Bold investment strategies that aren’t for the risk-averse.


October 15, 2019