Make Your Cash WorkHarder for You.
A simple, practical guide to building uncommon wealth through high-yield dividend investing and the extraordinary power of compound interest.
A Simpler Path to Uncommon Wealth
Ask the Mailman explains a remarkably simple investing strategy that helps readers understand how high-yield dividend stocks and compound interest can work together to create long-term wealth.
Instead of chasing risky investments or complicated trading systems, David Hawkins teaches readers how to build a reliable income-producing portfolio designed to generate growing cash flow over time.
Whether you're saving for retirement, creating additional monthly income, helping pay for college, or simply looking to make smarter financial decisions, Ask the Mailman offers practical guidance anyone can understand.
"Make compound interest your personal banker."
What You'll Learn
The Incredible Power of Compound Interest
Discover how time and reinvestment multiply your wealth exponentially.
How Dividend Stocks Create Monthly Income
Build a portfolio that pays you every single month.
Why "Cash Is King"
Understand liquidity and why cash flow beats paper gains.
How to Create an Extra Paycheck
Turn your investments into a reliable second income stream.
Help Make Your Children Millionaires
Long-term investing strategies that span generations.
Think Differently About Retirement
Rethink traditional retirement planning for lasting security.
$10,000 Growing at 10% Annually
Reinvested dividends + compound interest over 30 years
* Illustrative example only. Past performance does not guarantee future results.
Built for Real People
Practical
Easy-to-understand investing principles without complicated Wall Street jargon.
Proven
Based on timeless mathematical principles rather than speculation.
Life Changing
Designed to help ordinary families build extraordinary financial security.
David L. Hawkins
Author | Designer | Investor
Growing up in the Midwest, David Hawkins always thought he would be a carpenter. Upon graduation from vocational high school, he received the Craftsmanship Award and immediately started building homes. Four years later, David felt the desire for more — aptitude tests pointed him toward interior design, and he earned his degree from Kent State University.
For more than forty years, David's passion for design, art, and construction have rewarded him with a diverse national client base. 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.
David first learned about investing from his father, who worked as a mailman and faithfully studied the Wall Street Journal after work each day. Those conversations planted the seeds that eventually became Ask the Mailman.
Today, his mission is to help everyday people overcome their fear of investing and discover practical strategies that can create lasting financial security for themselves and future generations. A portion of the proceeds from the book supports financial literacy initiatives.
40+
Years in Design
2
US & CA Patents
Kirkus
Reviewed
Testimonials
"This book could be worth $1,000,000.00 to you! (seriously). This book will change how you think about investing. I've been a real estate investor for 30 years because of the monthly cash flow available. The simple plan in this book changed my perspective, as the author will show you how to build an income compounding machine without having to be a landlord. Buy this book, implement his plan — and you'll build a large dividend income stream!"
R. Minton
Akron, Ohio
""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."
G. Hiser
Kent, Ohio
"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. Not only would I recommend this book but I've given several copies to friends."
A. Garren
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
"Bold investment strategies that aren't for the risk-averse."
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: "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 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."
Throughout, the author's writing is lucid, and the excellent illustrations enhance the content.
The Legends Have Spoken
When even Tyson, Eastwood, Pacino, and Walken are telling you to invest — maybe it's time to listen.
Mike Tyson on Compound Interest
"Invest early, you must."
Clint Eastwood on Dividends
"Go ahead — make my portfolio."
Al Pacino on Your Money
"Say hello to my little dividend."
Christopher Walken on Wealth
"You need to… invest. Now."
Ready to start making your money work as hard as you do?
Get the BookStop Letting Your Money
Sit on the Sidelines.
For less than a cup of coffee, you can learn the exact strategy David's mailman father used to build real wealth — and how you can do the same.
Paperback $12.99 · eBook $6.99 · Order Direct
Keep Learning. Keep Growing.
The Ask the Mailman podcast goes deeper on dividend investing, compound interest, and building the financial future you deserve.