The Tail of Jhillix and Gram: Invest or Spend Paperback – November 21, 2025

The perfect, whimsical book to teach your child the life-changing power of investing and building generational wealth!Meet Gram, a loud, busy squirrel who believes his strong paws will always find the next nut. He works hard, but he lives "paynut to paynut," spending every acorn as soon as he finds it. He can’t imagine a world free of the daily grind. Then there is Jhillix, a quiet dreamer who longs to see the world beyond the Bluebell Lake. Jhillix knows a secret: he doesn't have to work his whole life away.Follow Jhillix as he practices "Pay Yourself First"—taking his best acorns and consistently planting them with the magical Oak Tree Corporation (the stock market). Watch as his small, steady efforts harness the unstoppable force of compound interest to grow a forest of wealth, guaranteeing his early retirement and freedom!Discover the most important lesson your child will ever learn about money!Gram lives "paynut to paynut," always working, always spending. Jhillix, however, discovers the power of investing, transforming tiny acorns into mighty oak trees of wealth. This enchanting tale vividly illustrates how to avoid the trap of debt and build a future of financial independence. Perfect for young readers, with a special appendix for parents!Empower your family's future! Join the NUBIAN movement and begin your journey to lasting prosperity. Get this essential book now!Give your child the gift of foresight. Start planting the seeds of financial freedom today!Dr. Hite is the founder and president of The National Council on Urban Investing Education, NUBIAN, a 501(c)(3) nonprofit organization headquartered in Jackson, Mississippi.NUBIAN’s mission is simple but powerful:Mission:To teach 8–18-year-old students from low-income, high-poverty, and underserved communities how to build wealth through stock-market investing, financial literacy, and entrepreneurial thinking, breaking generational cycles of poverty.Vision:To create a nationwide movement that empowers minority youth and families to achieve financial stability, confidence, and economic mobility—one classroom, one family, and one community at a time.Dr. Eric C. Hite is an award-winning Mississippi educator, bestselling author, and national advocate for financial literacy in K–12 schools. With over 20 years of classroom experience, Dr. Hite has taught thousands of students—many from low-income, rural, or underserved communities—how to use personal finance, investing, and technology to transform their futures.His work has earned widespread recognition. Dr. Hite was named the 2024 Mississippi Economics Teacher of the Year, and his students have repeatedly excelled at the highest levels, winning state and national championships in the Stock Market Game, Personal Finance Challenge, Economics Challenge, and multiple real-world financial competitions. In 2024, his 7th-grade students placed 3rd in the Nation in the National Stock Market Game, becoming one of the highest-ranked middle school teams in America. Other Books by Dr. Hite available on Amazon:Lauren’s Magical Money JourneyDragons from A–ZFour Queens of McLaurin High School: How Four 7th-Grade Girls Won the 2024 State of MS Personal Finance ChallengeAdventures of Bus 425: First Day of SchoolBasics of Investing for TeensColoring Book of LoveHow I Met My Ninja Wife: Eric and Vishunue Hite Origin StoryMiddle School Millionaire Read more