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While 'afford' is typically used in a financial context, in his latest book, "The Affordability Factor: The 4Cs of Change", Dr. Nathaniel J. Williams employs it in the sense of evaluating the costs of acquiring everything desired, what might be gained by the acquisition, and whether people are prepared to fully own their decisions and all of the consequences associated with those decisions. Using this system, one can determine whether he or she can afford his own life--or not.

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THE AFFORDABILITY FACTOR: The 4Cs of Change (September 1, 2009; $29.95) by Nathaniel J. Williams provides a liberating framework for self-discovery and meaningful change for anyone seeking to achieve their full potential. When individuals recognize that they control their own decisions, it is learned that all have the power to control their lives. By assessing one's life using The Affordability Factor, one will gain an understanding of the psychological underpinnings of 'affordability' and discover how to remove the hurdles and increase each's own 'affordability factor'.

Dr. Williams explains that everyone experiences "challenging life events" be it the loss of a parent, financial struggles, trauma or hardship. Too often, though, life's challenges are seen as rationale or justification to make poor decisions. People convince themselves that they are owed something to make up for the abandonment, loss and difficulties of life and that 'wrong' isn't really wrong when life has been so hard. This is why reframing the events that shape lives is key to changing those lives for the better. Dr. Williams writes:

"Our personal philosophy and working concepts either block or launch our pursuit of goals and aspirations. Our processing of, or inability to process, a challenging life event reflects itself in all of the domains of our lives, including education, health, finances, personal development, recreation, spirituality, family and friends, environment, personal philosophy, and our ability to implement the 4Cs of Change."

Dr. Williams' 4Cs of Change are centered on the premise that people could do so much more if they only realized the concepts, communications, collaborations, and consequences that bind to a less-than-desirable existence, unplanned outcomes, and low Affordability. The 4Cs include:

1. Concepts-- attach meaning to specific ideas, and understanding to events.
2. Communications--enable individuals to understand what others need and allow the justification of decisions to reflect those needs
3. Collaboration--requires suppression of individuality and working as part of a team
4. Consequences--becoming aware of situations and recognizing that everyone controls his/her own actions and outcomes.

In The Affordability Factor, Dr. Williams provides all of the insights and tools needed to assess one's own affordability, and urges people, prior to engaging in any decision making, to stop and ask if the decision--and the consequences--are 'affordable'.

About the Book:

By Nathaniel J. Williams, Ed.D., MHS, MPA, MBA
Publication date: September 1, 2009
Price: $29.95
ISBN: 978-0-9814742-4-3
Available at and
More Information Online at


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Suzan French
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