Archie Richards was born in New York City in 1936. After graduating from Yale University, he became a stockbroker and financial planner. He then wrote weekly newspaper columns, Richards on Money Matters, which were nationally syndicated. He also authored Understanding Exchange-Traded Funds, published by McGraw-Hill and still available on Amazon. Beginning at the end of 2016, Arche wrote brief libertarian columns about American government, most of which were published as letters by the Concord (NH) Monitor. Those columns formed the basis of his books, America’s Governments Enemies of The Poor and, in October 2021, America’s Bankruptcy Approaches: How to Resolve the Issue and Prevent it from Reoccurring.