,,9TRODUC;N3 ,"! ,IS ,A ,NE$
  ,DOES S*OOL PREP>E *N =! R1L _W8
8,/UDY H>D & GET GD GRADES & Y W F9D A
HI<-PAY+ JOB ) GRT B5EFITS10 MY P>5TS
US$ 6SAY4 ,_! GOAL 9 LIFE 0 6PROVIDE A
COLLEGE $UC,N = MY OLD] SI/] & ME1 S T
WE WD H ! GRTE/ *.E = SU3ESS 9 LIFE4 ,:5
,I F9,Y E>N$ MY DIPLOMA 9 #AIGF-GRADUAT+
) HONORS1 & NE> ! TOP ( MY CLASS1 9
A3.T+ F ,FLORIDA ,/ATE ,UNIV]S;Y-MY
P>5TS _H R1LIZ$ _! GOAL4 X 0 ! CR[N+
A*IEVE;T ( _! LIVES4 ,9 A3ORD.E )!
8,MA/] ,PLAN10 ,I 0 HIR$ 0A 8,BIG #H0
A3.T+ FIRM1 & ,I LOOK$ =W>D 6A L;G C>E]
& RETIRE;T AT AN E>LY AGE4
  ,MY HUSB&1 ,MI*AEL1 FOLL[$ A SIMIL>
PA?4 ,WE BO? CAME F H>D"W+ FAMILIES1 (
MODE/ M1NS B ) /R;G "W E?ICS4 ,MI*AEL AL
GRADUAT$ ) HONORS1 B HE DID X TWICE3 F/
Z AN 5G9E] & !N F LAW S*OOL4 ,HE 0 QKLY
RECRUIT$ 0A PRE/IGI\S ,WA%+TON1 ,D4,C41
LAW FIRM T SPECIALIZ$ 9 PAT5T LAW1 & 8
FUTURE SEEM$ B"R1 C>E] PA? WELL-DEF9$ &
E>LY RETIRE;T GU>ANTE$4
  ,AL? WE H BE5 SU3ESS;L 9 \R C>E]S1 !Y
H N TURN$ \ Q Z WE EXPECT$4 ,WE BO? H
*ANG$ POSI;NS S"EAL "TS-= ALL ! FI<T
R1SONS-B "! >E NO P5.N PLANS VE/+ ON \R
2HALF4 \R RETIRE;T FUNDS >E GR[+ ONLY "?
\R 9DIVIDUAL 3TRIBU;NS4
  ,MI*AEL & ,I H A WOND];L M>RIAGE )
?REE GRT *N4 ,Z ,I WRITE ?1 TWO >E 9
COLLEGE & "O IS J 2G9N+ HI< S*OOL4 ,WE H
SP5T A =TUNE MAK+ SURE \R *N H RCVD !
BE/ $UC,N AVAILA#4
  ,"O "D 9 #AIIF1 "O ( MY *N CAME HOME
4ILLU.N$ ) S*OOL4 ,HE 0 BOR$ & TIR$ (
/UDY+4 8,:Y %D ,I PUT "T 96/UDY+
SUBJECTS ,I W N"E USE 9 R1L LIFE80 HE
PROTE/$4
  ,)\T ?9K+1 ,I RESPOND$1 8,2C IF Y
DON'T GET GD GRADES1 Y WON'T GET
96COLLEGE40
  8,REG>D.S ( :E!R ,I G 6COLLEGE10 HE
REPLI$1 8,I'M GO+ 6BE RI*40
  8,IF Y DON'T GRADUATE F COLLEGE1 Y
WON'T GET A GD JOB10 ,I RESPOND$ )A T+E
( PANIC & "MLY 3C]N4 8,& IF Y DON'T H A
GD JOB1 H[ D Y PLAN 6GET RI*80
  ,MY SON SMIRK$ & SL[LY %OOK 8 H1D )
MILD BOREDOM4 ,WE H _H ? TALK _M "TS 2F4
,HE L[]$ 8 H1D & ROLL$ 8 EYES4 ,MY ^WS (
"MLY WISDOM 7 FAIL+ ON D1F E>S ONCE AG4
  ,?\< SM>T & /R;G-WILL$1 HE HAS ALW BE5
A POLITE & RESPECT;L "Y MAN4
  8,MOM10 HE 2GAN4 X 0 MY TURN 6BE
LECTUR$4 8,GET )! "TS6 ,LOOK >.D2 !
RI*E/ P DIDN'T GET RI* 2C ( _! $UC,NS4
,LOOK AT ,MI*AEL ,JORDAN & ,MADONNA4
,EV5 ,BILL ,GATES1 :O DROPP$ \ ( ,H>V>D1
F.D$ ,MICROS(T2 HE IS N[ ! RI*E/ MAN 9
,AM]ICA1 & HE'S / 9 8 #CJ'S4 ,"! IS A
BASEBALL PIT*] :O MAKES M ?AN 4#D
MILLION A YE> EV5 ?\< HE HAS BE5 LABEL$
,8M5T,Y *ALL5G$40'
  ,"! 0 A L;G SIL;E 2T U4 ,X 0 DAWN+ ON
ME T ,I 0 GIV+ MY SON ! SAME ADVICE MY
P>5TS _H GIV5 ME4 ,! _W >.D U HAS *ANG$1
B ! ADVICE HASN'T4
  ,GETT+ A GD $UC,N & MAK+ GD GRADES NO
L;G] 5SURES SU3ESS1 & NOBODY SEEMS 6H
NOTIC$1 EXCEPT \R *N4
  8,MOM10 HE 3T9U$1 8,I DON'T WANT 6"W Z
H>D Z Y & DAD D4 ,Y MAKE A LOT ( M"OY1 &
WE LIVE 9 A HUGE H\SE ) LOTS ( TOYS4 IF
,I FOLL[ YR ADVICE1 ,I'LL W9D UP L Y1
"W+ H>D] & H>D] ONLY 6PAY M TAXES & W9D
UP 9 DEBT4 ,"! IS NO JOB SECUR;Y
ANYMORE2 ,I "K ALL AB D[NSIZ+ & "RSIZ+4
,I AL "K T COLLEGE GRADUATES TD E>N LESS
?AN Y DID :5 Y GRADUAT$4 ,LOOK AT
DOCTORS4 ,!Y DON'T MAKE NE>LY Z M* M"OY
Z !Y US$ TO4 ,I "K ,I C'T RELY ON
,SOCIAL ,SECUR;Y OR -PANY P5.NS =
RETIRE;T4 ,I NE$ NEW ANSW]S40
  ,HE 0 "R4 ,HE NE$$ NEW ANSW]S1 & S DID
#A4 ,MY P>5TS' ADVICE MAY H "W$ = P BORN
2F #AIDE1 B X MAY 2 4A/R\S = ^? ( U BORN
96A RAPIDLY *ANG+ _W4 ,NO L;G] C ,I
SIMPLY SAY 6MY *N1 8,G 6S*OOL1 GET GD
GRADES1 & LOOK =A SAFE1 SECURE JOB40
  ,I KNEW ,I _H 6LOOK = NEW WAYS 6GUIDE
MY *N'S $UC,N4
  ,Z A "M Z WELL Z AN A3.TANT1 ,I H BE5
3C]N$ 0! LACK ( F9ANCIAL $UC,N \R *N RCV
9 S*OOL4 ,_M ( TD'S Y\? H CR$IT C>DS 2F
!Y L1VE HI< S*OOL1 YET !Y H N"E _H A
C\RSE 9 M"OY OR H[ 69VE/ X1 LET AL"O
"U/& H[ -P.D 9T]E/ "WS ON CR$IT C>DS4
,SIMPLY PUT1 )\T F9ANCIAL LIT]ACY &! K (
H[ M"OY "WS1 !Y >E N PREP>$ 6FACE ! _W T
AWAITS !M1 A _W 9 : SP5D+ IS EMPHASIZ$
OV] SAV+S4
  ,:5 MY OLDE/ SON 2CAME HOPE.SLY 9 DEBT
) 8 CR$IT C>DS Z A FRE%MAN 9 COLLEGE1 ,I
N ONLY HELP$ HM DE/ROY ! CR$IT C>DS1 B
,I AL W5T 9 SE>* (A PROGRAM T WD HELP ME
$UCATE MY *N ON F9ANCIAL MATT]S4
  ,"O "D LA/ YE>1 MY HUSB& CALL$ ME F 8
(FICE4 8,I H "S"O ,I ?9K Y %D MEET10 HE
SD4 8,HIS "N IS ,ROB]T ,KIYOSAKI4 ,HE'S
A BUSI;SMAN & 9VE/OR1 & HE IS "H APPLY+
=A PAT5T ON AN $UC,NAL PRODUCT4 ,I ?9K
X'S :AT Y H BE5 LOOK+ =40
  ,J ,:AT ,I ,0 ,LOOK+ ,=6
  ,MY HUSB&1 ,MIKE1 0 S IMPRESS$ )
,,CA%FL[1 ! NEW $UC,NAL PRODUCT T ,ROB]T
,KIYOSAKI 0 DEVELOP+1 T HE >RANG$ = BO?
( U 6"PICIPATE 9 A TE/ (! PROTOTYPE4 ,2C
X 0 AN $UC,NAL GAME1 ,I AL ASK$ MY #AI-
YE>-OLD DAU<T]1 :O 0 A FRE%MAN AT A
LOCAL UNIV]S;Y1 IF %E WD L 6TAKE "P1 &
%E AGRE$4
  ,AB FIFTE5 P1 BROK5 96?REE GR\PS1
"PICIPAT$ 9 ! TE/4
  ,MIKE 0 "R4 ,X 0 ! $UC,NAL PRODUCT ,I
_H BE5 LOOK+ =4 ,B X _H A TWI/3 ,X LOOK$
L A COLOR;L ,MONOPOLY BO>D )A GIANT
WELL-DRESS$ RAT 9 ! MI4LE4 ,UNLIKE
,MONOPOLY1 H["E1 "! 7 TWO TRACKS3 "O
9SIDE & "O \TSIDE4 ,! OBJECT (! GAME 0
6GET \ (! 9SIDE TRACK-:AT ,ROB]T CALL$ !
8,RAT ,RACE0-& R1* ! \T] TRACK1 OR !
8,FA/ ,TRACK40 ,Z ,ROB]T PUT X1 ! ,FA/
,TRACK SIMULATES H[ RI* P PLAY 9 R1L
LIFE4
  ,ROB]T !N DEF9$ ! 8,RAT ,RACE0 = U4
  8IF Y LOOK AT ! LIFE (! AV]AGE-$UCAT$1
H>D-"W+ P]SON1 "! IS A SIMIL> PA?4 ,! *
IS BORN & GOES 6S*OOL4 ,! PR\D P>5TS >E
EXCIT$ 2C ! * EXCELS1 GETS FAIR 6GD
GRADES1 & IS A3EPT$ 96A COLLEGE4 ,! *
GRADUATES1 MAYBE GOES ON 6GRADUATE S*OOL
& !N DOES EXACTLY Z PROGRAMM$3 LOOKS =A
SAFE1 SECURE JOB OR C>E]4 ,! * F9DS T
JOB1 MAYBE Z A DOCTOR OR A LAWY]1 OR
JO9S ! ,>MY OR "WS =! GOV]N;T4 ,G5],Y1 !
* 2G9S 6MAKE M"OY1 CR$IT C>DS />T 6>RIVE
9 MASS1 &! %OPP+ 2G9S1 IF X ALR HASN'T4
  8,HAV+ M"OY 6BURN1 ! * GOES 6PLACES ":
O!R "Y P J L !M HANG \1 & !Y MEET P1 !Y
DATE1 & "S"TS !Y GET M>RI$4 ,LIFE IS
WOND];L N[1 2C TD1 BO? M5 & WOM5 "W4
  ,TWO 9COMES >E BLISS4 ,!Y FEEL
SU3ESS;L1 _! FUTURE IS B"R1 & !Y DECIDE
6BUY A H\SE1 A C>1 A TELEVI.N1 TAKE
VAC,NS & H *N4 ,! HAPPY BUNDLE >RIVES4
,! DEM& = CA% IS ENORM\S4 ,! HAPPY C\PLE
DECIDES T _! C>E]S >E VIT,Y IMPORTANT &
2G9 6"W H>D]1 SEEK+ PROMO;NS & RAISES4
,! RAISES -E1 & S DOES ANO!R * &! NE$ =A
BI7] H\SE4 ,!Y "W H>D]1 2COME BETT]
EMPLOYEES1 EV5 M D$ICAT$4 ,!Y G BACK
6S*OOL 6GET M SPECIALIZ$ SKILLS S !Y C
E>N M M"OY4 ,MAYBE !Y TAKE A SECOND JOB4
,_! 9COMES G UP1 B S DOES ! TAX BRACKET
!Y'RE 9 &! R1L E/ATE TAXES ON _! NEW
L>GE HOME1 & _! ,SOCIAL ,SECUR;Y TAXES1
& ALL ! O!R TAXES4 ,!Y GET _! L>GE
PAY*ECK & WOND] ": ALL ! M"OY W5T4 ,!Y
BUY "S MUTUAL FUNDS & BUY GROC]IES ) _!
CR$IT C>D4 ,! *N R1* #E OR #F YE>S (
AGE1 &! NE$ 6SAVE = COLLEGE 9CR1SES Z
WELL Z ! NE$ 6SAVE = _! RETIRE;T4
  8,T HAPPY C\PLE1 BORN #CE YE>S AGO1 IS
N[ TRAPP$ 9 ! ,RAT ,RACE =! RE/ ( _! "W+
"DS4 ,!Y "W =! [N]S ( _! -PANY1 =!
GOV]N;T PAY+ TAXES1 &=! BANK PAY+ (F A
MORTGAGE & CR$IT C>DS4
  8,!N1 !Y ADVISE _! [N *N TO ,8/UDY
H>D1 GET GD GRADES1 & F9D A SAFE JOB OR
C>E]40' ,!Y LE>N NO?+ AB M"OY1 EXCEPT F
^? :O PR(IT F _! NAIVETE1 & "W H>D ALL
_! LIVES4 ,! PROCESS REP1TS 96ANO!R H>D-
"W+ G5],N4 ,? IS ! ,8,RAT ,RACE0'40
  ,! ONLY WAY 6GET \ (! 8,RAT ,RACE0 IS
6PROVE YR PROFICI5CY AT BO? A3.T+ &
9VE/+1 >GUABLY TWO (! MO/ DI6ICULT
SUBJECTS 6MA/]4 ,Z A TRA9$ ,,CPA :O ONCE
"W$ =A ,BIG #H A3.T+ FIRM1 ,I 0 SURPRIS$
T ,ROB]T _H MADE ! LE>N+ ( ^! TWO
SUBJECTS BO? FUN & EXCIT+4 ,! PROCESS 0
S WELL 4GUIS$ T :ILE WE 7 DILIG5TLY "W+
6GET \ (! 8,RAT ,RACE10 WE QKLY =GOT WE
7 LE>N+4
  ,SOON A PRODUCT TE/ TURN$ 96A FUN AFN
) MY DAU<T]1 TALK+ AB ?+S WE _H N"E
4CUSS$ 2F4 ,Z AN A3.TANT1 PLAY+ A GAME T
REQUIR$ AN ,9COME ,/ATE;T & ,BAL.E ,%EET
0 EASY4 ,S ,I _H ! "T 6HELP MY DAU<T] &!
O!R PLAY]S AT MY TA# ) 3CEPTS !Y DID N
"U/&4 ,I 0 ! F/ P]SON-&! ONLY P]SON 9 !
5TIRE TE/ GR\P-TO GET \ (! 8,RAT ,RACE0
T "D4 ,I 0 \ )9 #EJ M9UTES1 AL? ! GAME
W5T ON = NE>LY ?REE H\RS4
  ,AT MY TA# 0 A BANK]1 A BUSI;S [N] &A
-PUT] PROGRAMM]4 ,:AT GRTLY 4TURB$ ME 0
H[ LL ^! P KNEW AB EI A3.T+ OR 9VE/+1
SUBJECTS S IMPORTANT 9 _! LIVES4 ,I
WOND]$ H[ !Y MANAG$ _! [N F9ANCIAL
A6AIRS 9 R1L LIFE4 ,I CD "U/& :Y MY #AI-
YE>-OLD DAU<T] WD N "U/&1 B ^! 7 GR[N
ADULTS1 AT L1/ TWICE H] AGE4
  ,AF ,I 0 \ (! 8,RAT ,RACE10 =! NEXT
TWO H\RS ,I WAT*$ MY DAU<T] & ^! $UCAT$1
A6LU5T ADULTS ROLL ! DICE & MOVE _!
M>K]S4 ,AL? ,I 0 GLAD !Y 7 ALL LE>N+ S
M*1 ,I 0 4TURB$ 0H[ M* ! ADULTS DID N "K
AB ! BASICS ( SIMPLE A3.T+ & 9VE/+4 ,!Y
_H DI6ICULTY GRASP+ ! REL,N%IP 2T _!
,9COME ,/ATE;T & _! ,BAL.E ,%EET4 ,Z !Y
B"\ & SOLD ASSETS1 !Y _H TR\# REMEMB]+ T
EA* TRANSAC;N CD IMPACT _! MON?LY CA%
FL[4 ,I ?"\1 H[ _M MILLIONS ( P >E \ "!
9 ! R1L _W /RU7L+ F9ANCI,Y1 ONLY 2C !Y H
N"E BE5 TAU<T ^! SUBJECTS8
  ,?ANK GD;S !Y'RE HAV+ FUN & >E 4TRACT$
0! DESIRE 6W9 ! GAME1 ,I SD 6MYF4 ,AF
,ROB]T 5D$ ! 3TE/1 HE ALL[$ U FIFTE5
M9UTES 64CUSS & CRITIQUE ,,CA%FL[ AM;G
\RVS4
  ,! BUSI;S [N] AT MY TA# 0 N HAPPY4 ,HE
DID N L ! GAME4 ,8,I DON'T NE$ 6"K ?10
HE SD \ L\D4 8,I HIRE A3.TANTS1 BANK]S &
ATTORNEYS 6TELL ME AB ? /UFF40
  ,6: ,ROB]T REPLI$1 8,H Y "E NOTIC$ T
"! >E A LOT ( A3.TANTS :O >5'T RI*8 ,&
BANK]S1 & ATTORNEYS1 & /OCKBROK]S & R1L
E/ATE BROK]S4 ,!Y "K A LOT1 &=! MO/ "P
>E SM>T P1 B MO/ ( !M >E N RI*4 ,S9CE \R
S*OOLS D N T1* P :AT ! RI* "K1 WE TAKE
ADVICE F ^! P4 ,B "O "D1 Y'RE DRIV+ D[N
! HI<WAY1 /UCK 9 TRA6IC1 /RU7L+ 6GET
6"W1 & Y LOOK OV] 6YR "R & Y SEE YR
A3.TANT /UCK 9 ! SAME TRA6IC JAM4 ,Y
LOOK 6YR LEFT & Y SEE YR BANK]4 ,T %D
TELL Y "S?+40
  ,! -PUT] PROGRAMM] 0 AL UNIMPRESS$ 0!
GAME3 8,I C BUY S(TW>E 6T1* ME ?40
  ,! BANK]1 H["E1 0 MOV$4 8,I /UDI$ ? 9
S*OOL-! A3.T+ "P1 T IS-B ,I N"E KNEW H[
6APPLY X 6R1L LIFE4 ,N[ ,I "K4 ,I NE$
6GET MYF \ (! ,8,RAT ,RACE40' "1
  ,B X 0 MY DAU<T]'S -;TS T MO/ T\*$ ME4
8,I _H FUN LE>N+10 %E SD1 8,I LE>N$ A
LOT AB H[ M"OY RE,Y "WS & H[ 69VE/40
  ,!N %E A4$3 8,N[ ,I "K ,I C *OOSE A
PROFES.N =! "W ,I WANT 6P]=M & N 2C (
JOB SECUR;Y1 B5EFITS OR H[ M* ,I GET PD4
IF ,I LE>N :AT ? GAME T1*ES1 ,I'M FREE
6D & /UDY :AT MY HE>T WANTS 6/UDY ''' R
?AN /UDY "S?+ 2C BUSI;SES >E LOOK+ =
C]TA9 JOB SKILLS4 ,IF ,I LE>N ?1 ,I
WON'T H 6WORRY AB JOB SECUR;Y & ,SOCIAL
,SECUR;Y ! WAY MO/ ( MY CLASSMATES ALR
D40
  ,I 0 N A# 6/AY & TALK ) ,ROB]T AF WE
_H PLAY$ ! GAME1 B WE AGRE$ 6MEET LAT]
6FUR!R 4CUSS 8 PROJECT4 ,I KNEW HE WANT$
6USE ! GAME 6HELP O!RS 2COME M F9ANCI,Y
SAVVY1 & ,I 0 EAG] 6HE> M AB 8 PLANS4
  ,MY HUSB& & ,I SET UP A D9N] MEET+ )
,ROB]T & 8 WIFE )9 ! NEXT WEEK4 ,AL? X 0
\R F/ SOCIAL GET-TGR1 WE FELT Z IF WE _H
"KN EA* O!R = YE>S4
  ,WE F.D \ WE _H A LOT 9 -MON4 ,WE
COV]$ ! GAMUT1 F SPORTS & PLAYS
6RE/AURANTS & SOCIOECONOMIC ISSUES4 ,WE
TALK$ AB ! *ANG+ _W4 ,WE SP5T A LOT ( "T
4CUSS+ H[ MO/ ,AM]ICANS H LL OR NO?+
SAV$ = RETIRE;T1 Z WELL Z ! ALM BANKRUPT
/ATE ( ,SOCIAL ,SECUR;Y & ,M$IC>E4 ,WD
MY *N 2 REQUIR$ 6PAY =! RETIRE;T ( #GE
MILLION BABY BOOM]S8 ,WE WOND]$ IF P
R1LIZE H[ RISKY X IS 6DEP5D ON A P5.N
PLAN4
  ,ROB]T'S PRIM>Y 3C]N 0 ! GR[+ GAP 2T !
HAVES & HAVE NOTS1 9 ,AM]ICA & >.D ! _W4
,A SELF-TAU<T1 SELF-MADE 5TREPR5EUR :O
TRAVEL$ ! _W PUTT+ 9VE/;TS TGR1 ,ROB]T 0
A# 6RETIRE AT ! AGE ( #DG4 ,HE CAME \ (
RETIRE;T 2C HE %>ES ! SAME 3C]N ,I H =
MY [N *N4 ,HE "KS T ! _W HAS *ANG$1 B
$UC,N HAS N *ANG$ ) X4 ,AC 6,ROB]T1 *N
SP5D YE>S 9 AN ANTIQUAT$ $UC,NAL SY/EM1
/UDY+ SUBJECTS !Y W N"E USE1 PREP>+ =A
_W T NO L;G] EXI/S4
  8,TD1 ! MO/ DANG]\S ADVICE Y C GIVE A
* IS ,8,G 6S*OOL1 GET GD GRADES & LOOK =
A SAFE SECURE JOB10' "1 HE LIKES 6SAY4
8,T IS OLD ADVICE1 & X'S BAD ADVICE4 IF
Y CD SEE :AT IS HAPP5+ 9 ,ASIA1 ,EUROPE1
,S\? ,AM]ICA1 Y WD 2 Z 3C]N$ Z ,I AM40
  ,X'S BAD ADVICE1 HE 2LIEVES1 82C IF Y
WANT YR * 6H A F9ANCI,Y SECURE FUTURE1
!Y C'T PLAY 0! OLD SET ( RULES4 X'S J
TOO RISKY40
  ,I ASK$ HM :AT HE M1NT BY 8OLD RULES80
  8,P L ME PLAY 0A DI6]5T SET ( RULES F
:AT Y PLAY BY10 HE SD4 8,:AT HAPP5S :5 A
CORPOR,N ANN\NCES A D[NSIZ+80
  8,P GET LAID (F10 ,I SD4 8,FAMILIES >E
HURT4 ,UNEMPLOY;T GOES UP40
  8,YES1 B :AT HAPP5S 6! -PANY1 9
"PICUL> A PUBLIC -PANY ON ! /OCK
EX*ANGE80
  8,! PRICE (! /OCK USU,Y GOES UP :5 !
D[NSIZ+ IS ANN\NC$'S ,I SD4 8,! M>KET
LIKES X :5 A -PANY REDUCES XS LABOR
CO/S1 EI "? AUTOM,N OR J 3SOLIDAT+ !
LABOR =CE 9 G5]AL40
  8,T'S "R10 HE SD4 8,& :5 /OCK PRICES G
TIP4 P L ME1 ! %>EHOLD]S1 GET RI*]4 ,T
IS :AT ,I M1N 0A DI6]5T SET ( RULES4
,EMPLOYEES LOSE2 [N]S & 9VE/ORS W940
  ,ROB]T 0 DESCRIB+ N ONLY ! DI6];E 2T
AN EMPLOYEE & EMPLOY]1 B AL ! DI6];E 2T
3TROLL+ YR [N DE/9Y & GIV+ UP T 3TROL
6"S"O ELSE4
  8,B X'S H>D = MO/ P 6"U/& :Y T
HAPP5S10 ,I SD4 8,!Y J ?9K X'S N FAIR40
  8,T'S :Y X IS FOOLI% 6SIMPLY SAY 6A *1
,8,GET A GD $UC,N10' HE SD4 8,X IS
FOOLI% 6ASSUME T ! $UC,N ! S*OOL SY/EM
PROVIDES W PREP>E YR *N =! _W !Y W FACE
^U GRADU,N4 ,EA* * NE$S M $UC,N4 ,DI6]5T
$UC,N4 ,& !Y NE$ 6"K ! RULES4 ,! DI6]5T
SETS ( RULES40
  8,"! >E RULES ( M"OY T ! RI* PLAY BY1
& "! >E ! RULES T ! O!R #IE P]C5T (!
POPUL,N PLAYS BY10 HE SD4 8,&! #IE P]C5T
LE>NS ^? RULES AT HOME & 9 S*OOL4 ,T IS
:Y X'S RISKY TD 6SIMPLY SAY 6A *1
,8,/UDY H>D & LOOK =A JOB40' ,A * TD
NE$S A M SOPHI/ICAT$ $UC,N1 &! CURR5T
SY/EM IS N DELIV]+ ! GDS4 ,I DON'T C>E
H[ _M -PUT]S !Y PUT 9 ! CLASSROOM OR H[
M* M"OY S*OOLS SP5D4 ,H[ C ! $UC,N SY/EM
T1* A SUBJECT T X DOES N "K80
  ,S H[ DOES A P>5T T1* _! *N1 :AT !
S*OOL DOES N8 ,H[ D Y T1* A3.T+ 6A *8
,WON'T !Y GET BOR$8 ,& H[ D Y T1* 9VE/+
:5 Z A P>5T Y YRF >E RISK AV]SE8 ,9/1D (
T1*+ MY *N 6SIMPLY PLAY X SAFE1 ,I
DECID$ X 0 BE/ 6T1* !M 6PLAY X SM>T4
  8,S H[ WD Y T1* A * AB M"OY & ALL !
?+S WE'VE TALK$ AB80 ,I ASK$ ,ROB]T4
8,H[ C WE MAKE X EASY = P>5TS ESPECI,Y
:5 !Y DON'T "U/& X !MVS80
  8,I WROTE A BOOK ON ! SUBJECT10 HE SD4
  8,": IS X80
  8,IN MY -PUT]4 ,X'S BE5 "! = YE>S 9
R&OM PIECES4 ,I ADD 6X O3A.N,Y B ,I'VE
N"E GOTT5 >.D 6PUT X ALL TGR4 ,I 2GAN
WRIT+ X AF MY O!R BOOK 2CAME A BE/
SELL]1 B ,I N"E F9I%$ ! NEW "O4 ,X'S 9
PIECES40
  ,& 9 PIECES X WAS4 ,AF R1D+ ! SCATT]$
SEC;NS1 ,I DECID$ ! BOOK _H M]IT & NE$$
6BE %>$1 ESPECI,Y 9 ^! *ANG+ "TS4 ,WE
AGRE$ 6CO-AU?OR ,ROB]T'S BOOK4
  ,I ASK$ HM H[ M* F9ANCIAL 9=M,N HE ?"\
A * NE$$4 ,HE SD X WD DEP5D ON ! *4 ,HE
KNEW AT A "Y AGE T HE WANT$ 6BE RI* & 0
=TUNATE 5 6H A "F FIGURE :O 0 RI* &
WILL+ 6GUIDE HM4 ,$UC,N IS ! F.D,N (
SU3ESS1 ,ROB]T SD4 ,J Z S*OLA/IC SKILLS
>E VIT,Y IMPORTANT1 S >E F9ANCIAL SKILLS
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PROCESS VIA : WE SOLVE \R F9ANCIAL
PRO#MS4
  ,TD WE >E FAC+ GLOBAL & TE*NOLOGICAL
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:AT"E HAPP5S1 WE H TWO FUNDA;TAL *OICES3
PLAY X SAFE OR PLAY X SM>T 0PREP>+1
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F9ANCIAL G5IUS4

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,=A ,,FREE ,,COLOR ,,BRO*URE AB
,,CA%FL[--#AJA1 ! BO>D GAME1
CALL #A-HJJ-CJH-CEHE
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