Joseph Healy is a career international banker and entrepreneur. He was a co-founder and CEO of Judo Bank, a bank created to serve the needs of the SME economy the baker, the butcher, and the brewer. He is also a co-founder and Executive Chairman of Malu Health Group, which specialises in mental health. Joseph holds six master s degrees in subjects covering financial economics, business studies, Chinese studies, and the psychology and neuroscience of mental health. This is his fifth book.