,,*APT] ,,SIX ,LESSON ,FIVE3 ,! ,RI* ,9V5T ,M"OY ,LA/ NI 9DU/RY EM]G$1 & ,,AT&,T 0 BORN4 ,! EV5+ NEWS CAME ON "R AF ! /ORY ( ,ALEX&] ,GRAHAM ,BELL 5D$4 ,ON ! NEWS 0 A /ORY ( ANO!R D[NSIZ+ AT A LOCAL -PANY4 ,! "W]S 7 ANGRY & -PLA9$ T ! -PANY [N]%IP 0 UNFAIR4 ,A T]M9AT$ MANAG] ( AB #DE YE>S ( AGE _H 8 WIFE & TWO BABIES AT ! PLANT & 0 BE7+ ! GU>DS 6LET HM TALK 6! [N]S 6ASK IF !Y WD RECONSID] 8 T]M9,N4 ,HE _H J B"\ A H\SE & 0 AFRAID ( LOS+ X4 ,! CAM]A FOCUS$ 9 ON 8 PL1D+ = ALL ! _W 6SEE4 ,NE$.S 6SAY1 X HELD MY ATT5;N4 ,I H BE5 T1*+ PROFES.N,Y S9CE #AIHD4 ,X HAS BE5 A GRT EXP]I;E & REW>D+4 ,X IS AL A 4TURB+ PROFES.N1 = ,I H TAUE B.S$ ) GIFTS4 ,YET1 ! "O ?+ T HOLDS ALL ( U BACK IS "S DEGREE ( SELF-D\BT4 ,X IS N S M* ! LACK ( TE*NICAL 9=M,N T HOLDS U BACK1 B M ! LACK ( SELF-3FID;E4 ,"S >E M A6ECT$ ?AN O!RS4 ,ONCE WE L1VE S*OOL1 MO/ ( U "K T X IS N Z M* A MATT] ( COLLEGE DEGREES OR GD GRADES T C.T4 ,9 ! R1L _W \TSIDE ( ACADEMICS1 "S?+ M ?AN J GRADES IS REQUIR$4 ,I H HE>D X CALL$ 8GUTS10 8*UTZPAH10 8BALLS10 8AUDAC;Y10 8BRAVADO10 8CUNN+10 8D>+10 8T5AC;Y0' & 8BRILLI.E40 ,? FACTOR1 :AT"E X IS LABEL$1 ULTIMATELY DECIDES "O'S FUTURE M* M ?AN S*OOL GRADES4 ,9SIDE EA* ( U IS "O ( ^! BRAVE1 BRILLIANT & D>+ "*S4 ,"! IS AL ! FLIP SIDE ( T "*3 P :O CD GET D[N ON _! KNEES & BEG IF NEC4 ,AF A YE> 9 ,VIETNAM1 Z A ,M>9E ,CORPS PILOT1 ,I 9TIMATELY GOT 6"K BO? ( ^? "*S 9SIDE ( ME4 ,"O IS N BETT] ?AN ! O!R4 ,YET1 Z A T1*]1 ,I RECOGNIZ$ T X 0 EXCESSIVE FE> & SELF-D\BT T 7 ! GRTE/ DETRACTORS ( P]SONAL G5IUS4 ,X BROKE MY HE>T 6SEE /UD5TS "K ! ANSW]S1 YET LACK ! C\RAGE 6ACT ON ! ANSW]4 ,(T5 9 ! R1L _W1 X'S N ! SM>T T GET AH1D B ! BOLD4 ,9 MY P]SONAL EXP]I;E1 YR F9ANCIAL G5IUS REQUIRES BO? TE*NICAL K Z WELL Z C\RAGE4 ,IF FE> IS TOO /R;G1 ! G5IUS IS SUPPRESS$4 ,9 MY CLASSES ,I /R;GLY URGE /UD5TS 6LE>N 6TAKE RISKS1 6BE BOLD1 6LET _! G5IUS 3V]T T FE> 96P[] & BRILLI.E4 ,X "WS = "S & J T]RIFIES O!RS4 ,I H -E 6R1LIZE T = MO/ P1 :5 X -ES 6! SUBJECT ( M"OY1 !Y WD R PLAY X SAFE4 ,I H _H 6FIELD "QS S* Z3 ,:Y TAKE RISKS8 ,:Y %D ,I BO!R DEVELOP+ MY F9ANCIAL ,,IQ8 ,:Y %D ,I 2COME F9ANCI,Y LIT]ATE8 ,& ,I ANSW]1 8,J 6H M OP;NS40 ,"! >E HUGE *ANGES UP H1D4 ,J Z ,I />T$ )! /ORY (! "Y 9V5TOR ,ALEX&] ,GRAHAM ,BELL1 9 ! -+ YE>S "! W 2 M P J L HM4 ,"! W 2 A HUNDR$ P L ,BILL ,GATES & HUGELY SU3ESS;L -PANIES L ,MICROS(T CR1T$ E YE>1 ALL OV] ! _W4 ,& "! AL W 2 _M M BANKRUPTCIES1 LAY(FS & D[NSIZ+4 ,S :Y BO!R DEVELOP+ YR F9ANCIAL ,,IQ8 ,NO "O C ANSW] T B Y4 ,YET1 ,I C TELL Y :Y ,I MYF D X4 ,I D X 2C X IS ! MO/ EXCIT+ "T 6BE ALIVE4 ,I'D R 2 WELCOM+ *ANGE ?AN DR1D+ *ANGE4 ,I'D R 2 EXCIT$ AB MAK+ MILLIONS ?AN WORRY+ AB N GETT+ A RAISE4 ,? P]IOD WE >E 9 N[ IS A MO/ EXCIT+ "T1 UNPREC$5T$ 9 \R _W'S HI/ORY4 ,G5],NS F N[1 P W LOOK BACK AT ? P]IOD ( "T & REM>K AT :AT AN EXCIT+ ]A X M/ H BE54 ,X 0 ! D1? (! OLD & BIR? (! NEW4 ,X 0 FULL ( TURMOIL & X 0 EXCIT+4 ,S :Y BO!R DEVELOP+ YR F9ANCIAL ,,IQ8 ,2C IF Y D1 Y W PROSP] GRTLY4 ,& IF Y DON'T1 ? P]IOD ( "T W 2 A F"R5+ "O4 ,X W 2 A "T ( WAT*+ P MOVE BOLDLY =W>D :ILE O!RS CL+ 6DECAY+ LIFE R+S4 ,L& 0 W1L? #CJJ YE>S AGO4 ,S ! P]SON :O [N$ ! L& [N$ ! W1L?4 ,!N1 X 0 FACTORIES & PRODUC;N1 & ,AM]ICA ROSE 6DOM9.E4 ,! 9DU/RIALI/ [N$ ! W1L?4 ,TD1 X IS 9=M,N4 ,&! P]SON :O HAS ! MO/ "TLY 9=M,N [NS ! W1L?4 ,! PRO#M IS1 9=M,N FLIES ALL >.D ! _W AT ! SPE$ ( LIIES & BORD]S Z L& & FACTORIES W]E4 ,! *ANGES W 2 FA/] & M DRAMATIC4 ,"! W 2 A DRAMATIC 9CR1SE 9 ! NUMB] ( NEW MULTIMILLIONAIRES4 ,"! AL W 2 ^? :O >E LEFT 2H4 ,TD1 ,I F9D S _M P /RU7L+1 (T5 "W+ H>D]1 SIMPLY 2C !Y CL+ 6OLD ID1S4 ,!Y WANT ?+S 6BE ! WAY !Y W]E2 !Y RESI/ *ANGE4 ,I "K P :O >E LOS+ _! JOBS OR _! H\SES1 & !Y BLAME TE*NOLOGY OR ! ECONOMY OR _! BOSS4 ,SADLY !Y FAIL 6R1LIZE T !Y MIE _! BI7E/ LIABIL;Y4 ,X IS A LIABIL;Y SIMPLY 2C !Y FAIL 6R1LIZE T :ILE T IDEA OR WAY ( DO+ "S?+ 0 AN ASSET YE/]"D1 YE/]"D IS G"O4 ,"O AFN1 ,I 0 T1*+ 9VE/+1 US+ ,,CA%EL[ Z A T1*+ TOOL4 ,A FR _H BR"\ "S"O AL;G 6ATT5D ! CLASS4 ,? FR (A FR 0 REC5TLY DIVORC$1 _H BE5 BADLY BURN$ 9 ! DIVORCE SETTLE;T1 & 0 N[ SE>*+ = "S ANSW]S4 ,H] FR ?"\ ! CLASS MIN H[ M"OY "WS4 ,9 PLAY+ ! GAME1 !Y LE>N AB ! 9T]AC;N (! 9COME /ATE;T )! BAL.E %EET4 ,!Y LE>N H[ 8CA% FL[S0 2T ! TWO & H[ ! ROAD 6W1L? IS "? /RIV+ 69CR1SE YR MON?LY CA% FL[ F ! ASSET COLUMN 6! PO9T T X EXCE$S YR MON?LY EXP5SES4 ,ONCE Y A3OMPLI% ?1 Y >E A# 6GET \ (! 8,RAT ,RACE0 & \ ONTO ! 8,FA/ ,TRACK04 ,Z ,I H SD1 "S P HATE ! GAME1 "S LOVE X1 & O!RS MISS ! PO9T4 ,? WOMAN MISS$ A VALUA# OPPORTUN;Y 6LE>N "S?+4 ,9 ! OP5+ R.D1 %E DREW A 8DOO-DAD0 C>D )! BOAT ON X4 ,AT F/ %E 0 HAPPY4 8,OH1 ,I'VE GOT A BOAT40 ,!N1 Z H] FR TRI$ 6EXPLA9 H[ ! NUMB]S "W$ ON H] 9COME /ATE;T & BAL.E %EET1 %E GOT FRU/RAT$ 2C %E _H N"E LIK$ MA?4 ,! RE/ ( H] TA# WAIT$ :ILE H] FR 3T9U$ EXPLA9+ ! REL,N%IP 2T ! 9COME /ATE;T1 BAL.E %EET & MON?LY CA% FL[4 ,SU45LY1 :5 %E R1LIZ$ H[ ! NUMB]S "W$1 X DAWN$ ON H] T H] BOAT 0 EAT+ H] ALIVE4 ,LAT] ON 9 ! GAME1 %E 0 AL 8D[NSIZ$0 & _H A *4 ,X 0 A HORRI# GAME = H]4 ,AF ! CLASS1 H] FR CAME 0& TOLD ME T %E 0 UPSET4 ,%E _H -E 6! CLASS 6LE>N AB 9VE/+ & DID N L ! IDEA T X TOOK S L;G 6PLAY A SILLY GAME4 ,H] FR ATTEMPT$ 6TELL H] 6LOOK )9 H]F 6SEE IF ! GAME 8REFLECT$0 ON H]F 9 ANY WAY4 ,) T SU7ES;N1 ! WOMAN DEM&$ H] M"OY BACK4 ,%E SD T ! V IDEA T A GAME CD 2 A REFLEC;N ( H] 0 RIDICUL\S4 ,H] M"OY 0 PROMPTLY REFUND$ & %E LEFT4 ,S9CE #AIHD1 ,I H MADE MILLIONS SIMPLY 0DO+ :AT ! S*OOL SY/EM DOES N4 ,9 S*OOL1 MO/ T1*]S LECTURE4 ,I HAT$ LECTURES Z A /UD5T2 ,I 0 SOON BOR$ & MY M9D WD DRIFT4 ,9 #AIHD1 ,I 2GAN T1*+ VIA GAMES & SIMUL,NS4 ,I ALW 5C\RAG$ ADULT /UD5TS 6LOOK AT GAMES Z REFLECT+ BACK 6:AT !Y "K1 & :AT !Y NE$$ 6LE>N4 ,MO/ IMPORTANTLY1 A GAME REFLECTS BACK ON "O'S 2HAVIOR4 ,X'S AN 9/ANT FE$BACK SY/EM4 ,9/1D (! T1*] LECTUR+ Y1 ! GAME IS FE$+ BACK A P]SONALIZ$ LECTURE1 CU/OM MADE J = Y4 ,! FR (! WOMAN :O LEFT LAT] CALL$ 6GIVE ME AN UPDATE4 ,%E SD H] FR 0 F9E & _H CALM$ D[N4 ,9 H] COOL+-(F P]IOD1 %E CD SEE "S SLIS ( M>RIAGE1 !Y _H A3UMULAT$ LL 9 ! WAY ( ASSETS4 ,"! 0 VIRTU,Y NO?+ = !M 6SPLIT4 ,_! TW5TY YE>S ( M>RI$ LIFE _H BE5 9CR$I# FUN1 B ALL !Y _H A3UMULAT$ 0 A TON ( DOO-DADS4 ,%E R1LIZ$ T H] ANG] AT DO+ ! NUMB]S-! 9COME /ATE;T & BAL.E %EET-CAME F H] EMB>RASS;T ( N "U/&+ !M4 ,%E _H 2LIEV$ T F9.ES 7 ! MAN'S JOB4 ,%E MA9TA9$ ! H\SE & DID ! 5T]TA9+1 & HE H&L$ ! F9.ES4 ,%E 0 N[ Q C]TA9 T 9 ! LA/ FIVE YE>S ( _! M>RIAGE1 HE _H HI45 M"OY F H]4 ,%E 0 ANGRY AT H]F = N 2+ M AW>E ( ": ! M"OY 0 GO+1 Z WELL Z = N "K+ AB ! O!R WOMAN4 ,J L A BO>D GAME1 ! _W IS ALW PROVID+ U ) 9/ANT FE$BACK4 ,WE CD LE>N A LOT IF WE TUN$ 9 M4 ,"O "D N L;G AGO1 ,I -PLA9$ 6MY WIFE T ! CL1N]S M/ H %RUNK MY PANTS4 ,MY WIFE G5TLY SMIL$ & POK$ ME 9 ! /OMA* 69=M ME T ! PANTS _H N %RUNK1 "S?+ ELSE _H EXP&$3 ME6 ,! GAME ,,CA%EL[ 0 DESIGN$ 6GIVE E PLAY] P]SONAL FE$BACK4 ,XS PURPOSE IS 6GIVE Y OP;NS4 ,IF Y DRAW ! BOAT C>D & X PUTS Y 96DEBT1 ! "Q IS1 8,N[ :AT C Y D80 ,H[ _M DI6]5T F9ANCIAL OP;NS C Y -E UP )4 ,T IS ! PURPOSE (! GAME3 6T1* PLAY]S 6?9K & CR1TE NEW & V>I\S F9ANCIAL OP;NS4 ,I H WAT*$ ? GAME PLAY$ 0M ?AN #A1JJJ P4 ,! P :O GET \ (! 8,RAT ,RACE0 9 ! GAME ! QKE/ >E ! P :O "U/& NUMB]S & H CR1TIVE F9ANCIAL M9DS4 ,!Y RECOGNIZE DI6]5T F9ANCIAL OP;NS4 ,P :O TAKE ! L;GE/ >E P :O >E N FAMILI> ) NUMB]S & (T5 D N "U/& ! P[] ( 9VE/+4 ,RI* P >E (T5 CR1TIVE & TAKE CALCULAT$ RISKS4 ,"! H BE5 P PLAY+ ,,CA%EL[ :O GA9 LOTS ( M"OY 9 ! GAME1 B !Y DON'T "K :AT 6D ) X4 ,MO/ ( !M H N BE5 F9ANCI,Y SU3ESS;L 9 R1L LIFE EI4 ,"EY"O ELSE SEEMS 6BE GETT+ AH1D ( !M1 EV5 ?\< !Y H M"OY4 ,& T IS TRUE 9 R1L LIFE4 ,"! >E A LOT ( P :O H A LOT ( M"OY & D N GET AH1D F9ANCI,Y4 ,LIMIT+ YR OP;NS IS ! SAME Z HANG+ ON 6OLD ID1S4 ,I H A FR F HI< S*OOL :O N[ "WS AT ?REE JOBS4 ,TW5TY YE>S AGO1 HE 0 ! RI*E/ ( ALL MY CLASSMATES4 ,:5 ! LOCAL SUG> PLANT,N CLOS$1 ! -PANY HE "W$ = W5T D[N )! PLANT,N4 ,9 8 M9D1 HE _H B "O OP;N1 & T 0 ! OLD OP;N3 "W H>D4 ,! PRO#M WAS1 HE CDN'T F9D AN EQUIVAL5T JOB T RECOGNIZ$ 8 S5IOR;Y 9 ! OLD -PANY4 ,Z A RESULT1 HE IS OV]QUALIFI$ =! JOBS HE CURR5TLY HAS1 S 8 SAL>Y IS L[]4 ,HE N[ "WS ?REE JOBS 6E>N 5 6SURVIVE4 ,I H WAT*$ P PLAY+ ,,CA%EL[ -PLA9+ T ! 8"R0 OPPORTUN;Y C>DS >E N -+ _! WAY4 ,S !Y SIT "!4 ,I "K P :O D T 9 R1L LIFE4 ,!Y WAIT =! 8"R0 OPPORTUN;Y4 ,I H WAT*$ P GET ! 8"R0 OPPORTUN;Y C>D & !N N H 5 M"OY4 ,!N1 !Y -PLA9 T !Y WD H GOTT5 \ (! ,RAT ,RACE IF !Y _H _H M M"OY4 ,S !Y SIT "!4 ,I "K P 9 R1L LIFE :O D T AL4 ,!Y SEE ALL ! GRT D1LS1 B !Y H NO M"OY4 ,& ,I H P PULL A GRT OPPORTUN;Y C>D1 R1D X \ L\D & H NO IDEA T X IS A GRT OPPORTUN;Y4 ,!Y H ! M"OY1 ! "T IS "R1 !Y H ! C>D1 B !Y C'T SEE ! OPPORTUN;Y />+ AT !M4 ,!Y FAIL 6SEE H[ X FITS 96_! F9ANCIAL PLAN = ESCAP+ ! ,RAT ,RACE4 ,& ,I "K M P L T ?AN ALL ! O!RS -B9$4 ,MO/ P H AN OPPORTUN;Y (A LIFE"T FLA% "R 9 FRONT ( !M1 & !Y FAIL 6SEE X4 ,A YE> LAT]1 !Y F9D \ AB X1 AF "EY"O ELSE GOT RI*4 ,F9ANCIAL 9TELLIG;E IS SIMPLY HAV+ M OP;NS4 ,IF ! OPPORTUNITIES >5'T -+ YR WAY1 :AT ELSE C Y D 6IMPROVE YR F9ANCIAL POSI;N8 ,IF AN OPPORTUN;Y L&S 9 YR LAP1 & Y H NO M"OY1 &! BANK WON'T TALK 6Y1 :AT ELSE C Y D 6GET ! OPPORTUN;Y 6"W 9 YR FAVOR8 ,IF YR HUN* IS WR;G1 & :AT Y'VE BE5 C.T+ ON DOESN'T HAPP51 H[ C Y TURN A LEMON 96MILLIONS4 ,T IS F9ANCIAL 9TELLIG;E4 ,X IS N S M* :AT HAPP5S1 B H[ _M DI6]5T F9ANCIAL SOLU;NS Y C ?9K ( 6TURN A LEMON 96MILLIONS8 ,X IS H[ CR1TIVE Y >E 9 SOLV+ F9ANCIAL PRO#MS4 ,MO/ P ONLY "K "O SOLU;N3 "W H>D1 SAVE & BORR[4 ,S :Y WD Y WANT 69CR1SE YR F9ANCIAL 9TELLIG;E8 ,2C Y WANT 6BE ! K9D ( P]SON :O CR1TES YR [N LUCK4 ,Y TAKE :AT"E HAPP5S & MAKE X BETT]4 ,FEW P R1LIZE T LUCK IS CR1T$4 ,J Z M"OY IS4 ,& IF Y WANT 6BE LUCKI] & CR1TE M"OY 9/1D ( "W+ H>D1 !N YR F9ANCIAL 9TELLIG;E IS IMPORTANT4 ,IF Y >E ! K9D ( P]SON :O IS WAIT+ =! 8"R0 ?+ 6HAPP51 Y MIT+ ! TRIP4 ,Z "Y BOYS1 ,MIKE & ,I 7 3/ANTLY TOLD 0MY RI* DAD T 8,M"OY IS N R1L40 ,RI* DAD O3A.N,Y REM9D$ U ( H[ CLOSE WE CAME 6! SECRET ( M"OY ON T F/ "D WE GOT TGR & 2GAN 8MAK+ M"OY0 \ ( PLA/] ( P>IS4 8,! POOR & MI4LE CLASS "W = M"OY10 HE WD SAY4 8,! RI* MAKE M"OY4 ,! M R1L Y ?9K M"OY IS1 ! H>D] Y W "W = X4 ,IF Y C GRASP ! IDEA T M"OY IS N R1L1 Y W GR[ RI*] FA/]40 8,:AT IS X80 0 A "Q ,MIKE & ,I (T5 CAME BACK )4 8,:AT IS M"OY IF X IS N R1L80 8,:AT WE AGREE X IS10 0 ALL RI* DAD WD SAY4 ,! S+LE MO/ P[];L ASSET WE ALL H IS \R M9D4 ,IF X IS TRA9$ WELL1 X C CR1TE ENORM\S W1L? 9 :AT SEEMS 6BE AN 9/ANT4 ,W1L? S F> 2Y ! DR1MS ( K+S & QUE5S #CJJ YE>S AGO4 ,AN UNTRA9$ M9D C AL CR1TE EXTREME POV]TY T LA/S LIFE"TS 0T1*+ X 6_! FAMILIES4 ,9 ! ,9=M,N ,AGE1 M"OY IS 9CR1S+ EXPON5TI,Y4 ,A FEW 9DIVIDUALS >E GETT+ RIDICUL\SLY RI* F NO?+1 J ID1S & AGREE;TS4 ,IF Y ASK _M P :O TRADE /OCKS OR O!R 9VE/;TS =A LIV+1 !Y SEE X D"O ALL ! "T4 ,(T51 MILLIONS C 2 MADE 9/ANTANE\SLY F NO?+4 ,& 0NO?+1 ,I M1N NO M"OY 0 EX*ANG$4 ,X IS D"O VIA AGREE;T3 A H& SIGNAL 9 A TRAD+ PIT2 A BLIP ON A TRAD]'S SCRE5 9 ,LISBON F A TRAD]'S SCRE5 9 ,TORONTO1 & BACK 6,LISBON2 A CALL 6MY BROK] 6BUY &A MO;T LAT] 6SELL4 ,M"OY DID N *ANGE H&S4 ,AGREE;TS DID4 ,S :Y DEVELOP YR F9ANCIAL G5IUS8 ,ONLY Y C ANSW] T4 ,I C TELL Y :Y ,I H BE5 DEVELOP+ ? >EA ( MY 9TELLIG;E4 ,I D X 2C ,I WANT 6MAKE M"OY FA/4 ,N 2C ,I NE$ TO1 B 2C ,I WANT TO4 ,X IS A FASC9AT+ LE>N+ PROCESS4 ,I DEVELOP MY F9ANCIAL ,,IQ 2C ,I WANT 6"PICIPATE 9 ! FA/E/ GAME & BI7E/ GAME 9 ! _W4 ,& 9 MY [N SMALL WAY1 ,I WD L 6BE "P ( ? UNPREC$5T$ EVOLU;N ( HUMAN;Y1 ! ]A ": HUMANS "W PURELY ) _! M9DS & N ) _! BODIES4 ,2SS1 X IS ": ! AC;N IS4 ,X IS :AT IS HAPP5+4 ,X'S HIP4 ,X'S SC>Y4 ,& X'S FUN4 ,T IS :Y ,I 9VE/ 9 MY F9ANCIAL 9TELLIG;E1 DEVELOP+ ! MO/ P[];L ASSET ,I H4 ,I WANT 6BE ) P MOV+ BOLDLY =W>D4 ,I D N WANT 6BE ) ^? LEFT 2H4 ,I W GIVE Y A SIMPLE EXAMPLE ( CR1T+ M"OY4 ,9 ! E>LY #AIIJ'S ! ECONOMY ( ,PHOENIX 0 HORRI#4 ,I 0 WAT*+ ! ,,TV %[ 8,GD ,MORN+ ,AM]ICA0 :5 A F9ANCIAL PLANN] CAME ON & 2GAN =ECA/+ DOOM & GLOOM4 ,8 ADVICE 0 TO 8SAVE M"OY40 ,PUT 4#AJJ AWAY E MON?1 HE SD1 & 9 #DJ YE>S Y W 2 A MULTIMILLIONAIRE40 ,WELL1 PUTT+ M"OY AWAY E MON? IS A S.D IDEA4 ,X IS "O OP;N-! OP;N MO/ P SUBSCRIBE TO4 ,! PRO#M IS ?3 ,X BLS ! P]SON F :AT IS RE,Y GO+ ON4 ,!Y MISS MAJOR OPPORTUNITIES = M* M SIGNIFICANT GR[? ( _! M"OY4 ,! _W IS PASS+ !M BY4 ,Z ,I SD1 ! ECONOMY 0 T]RI# AT T "T4 ,= 9VE/ORS1 ? IS ! P]FECT M>KET 3DI;N4 ,A *UNK ( MY M"OY 0 9 ! /OCK M>KET & 9 A"P;T H\SES4 ,I 0 %ORT ( CA%4 ,2C "EY"O 0 GIV+ /UFF AWAY1 ,I 0 BUY+4 ,I 0 N SAV+ M"OY2 ,I 0 9VE/+4 ,MY WIFE & ,I _H M ?AN A MILLION DOLL>S 9 CA% "W+ 9 A M>KET T 0 RIS+ FA/4 ,X 0 ! BE/ OPPORTUN;Y 69VE/4 ,! ECONOMY 0 T]RI#4 ,I J CD N PASS UP ^! SMALL D1LS4 ,H\SES T 7 ONCE 4#AJJ1JJJ 7 N[ 4#GE1JJJ4 ,B 9/1D ( %OPP+ AT ! LOCAL R1L E/ATE (FICE1 ,I 2GAN %OPP+ AT ! BANKRUPTCY ATTORNEY'S (FICE1 OR ! C\RTH\SE /EPS4 ,9 ^! %OPP+ PLACES1 A 4#GE1JJJ H\SE CD "S"TS 2 B"\ = 4#BJ1JJJ OR LESS4 ,= 4#B1JJJ1 : 0 LOAN$ 6ME F A FR = #IJ "DS = 4#BJJ1 ,I GAVE AN ATTORNEY A CA%I]'S *ECK Z A D[N PAY;T4 ,:ILE ! ACQUISI;N 0 2+ PROCESS$1 ,I RAN AN AD 9 ! PAP] ADV]TIS+ A 4#GE1JJJ H\SE = ONLY 4#FJ1JJJ & NO M"OY D[N4 ,! PH"O RANG H>D & H1VY4 ,P]SPECTIVE BUY]S 7 SCRE5$ & ONCE ! PROP]TY 0 LEG,Y M9E1 ALL ! P]SPECTIVE BUY]S 7 ALL[$ 6LOOK AT ! H\SE4 ,X 0 A FE$+ FR5ZY4 ,! H\SE SOLD 9 A FEW M9UTES4 ,I ASK$ =A 4#B1EJJ PROCESS+ FEE1 : !Y GLADLY H&$ OV]1 &! ESCR[ & TITLE -PANY TOOK OV] F "!4 ,I RETURN$ ! 4#B1JJJ 6MY FR ) AN A4I;NAL 4#BJJ4 ,HE 0 HAPPY1 ! HOME BUY] 0 HAPPY1 ! ATTORNEY 0 HAPPY1 & ,I 0 HAPPY4 ,I _H SOLD A H\SE = 4#FJ1JJJ T CO/ ME 4#BJ1JJJ4 ,! 4#DJ1JJJ 0 CR1T$ F M"OY 9 MY ASSET COLUMN 9 ! =M (A PROMISSORY NOTE F ! BUY]4 ,TOTAL "W+ "T3 FIVE H\RS4 ,S N[ T Y >E F9ANCI,Y LIT]ATE & R1D NUMB]S1 ,I W %[ Y :Y ? IS AN EXAMPLE ( M"OY 2+ 9V5T$4 ,7,,SCANN]'S ,,NOTE3 ,,GRAPHIC ,,DELET$7' ,DUR+ ? DEPRESS$ M>KET1 MY WIFE & ,I 7 A# 6D SIX ( ^! SIMPLE TRANSAC;NS 9 \R SP>E "T4 ,:ILE ! BULK ( \R M"OY 0 9 L>G] PROP]TIES &! /OCK M>KET1 WE 7 A# 6CR1TE M ?AN 4#AIJ1JJJ 9 ASSETS 7NOTES AT #AJ P]C5T 9T]E/7 9 ^? SIX BUY1 CR1TE & SELL TRANSAC;NS4 ,T -ES 6APPROXIMATELY 4#AI1JJJ A YE> 9COME1 M* ( X %ELT]$ "? \R PRIVATE CORPOR,N4 ,M* ( T 4#AI1JJJ A YE> GOES 6PAY = \R -PANY C>S1 GAS1 TRIPS1 9SUR.E1 D9N]S ) CLI5TS & O!R ?+S4 ,0! "T ! GOV]N;T GETS A *.E 6TAX T 9COME1 X'S BE5 SP5T ON LEG,Y ALL[$ PRE- TAX EXP5SES4 ,7,,SCANN]'S ,,NOTE3 ,,GRAPHIC ,,REMOV$7' ,? 0 A SIMPLE EXAMPLE ( H[ M"OY IS 9V5T$1 CR1T$ & PROTECT$ US+ F9ANCIAL 9TELLIG;E4 ,ASK YRF H[ L;G X WD TAKE 6SAVE 4#AIJ1JJJ4 ,WD ! BANK PAY Y #AJ P]C5T 9T]E/ ON YR M"OY8 ,&! NOTE IS GD = #CJ YE>S4 ,I HOPE !Y N"E PAY ME ! 4#AIJ1JJJ4 ,I H 6PAY A TAX IF !Y PAY ME ! PR9CIPLE1 & 2SS1 4#AI1JJJ PD OV] #CJ YE>S IS A LL OV] 4#EJJ1JJJ 9 9COME4 ,I H P ASK :AT HAPP5S IF ! 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H\SES WE SOLD = 4#FJ1JJJ >E N[ WOR? 4#AAJ1JJJ4 ,"! >E =ECLOSURE OPPORTUNITIES / AVAILA#1 B X W CO/ A VALUA# ASSET1 MY "T1 6G \ LOOK+ = !M4 ,!Y >E R>E4 ,B TD1 "! >E ?\S&S ( BUY]S LOOK+ = ^? D1LS1 & ONLY A FEW AVAILA# T MAKE F9ANCIAL S5SE4 ,! M>KET HAS *ANG$4 ,X IS "T 6MOVE ON & LOOK = O!R OPPORTUNITIES 6PUT 9 ! ASSET COLUMN4 8,Y C'T D T "H40 8,T IS AG/ ! LAW40 8,Y'RE LY+40 ,I HE> ^? -;TS M* M (T5 ?AN 8,C Y %[ ME H[ TO D T80 ,! MA? IS SIMPLE4 ,Y D N NE$ ALGEBRA OR CALCULUS4 ,I DON'T WRITE M* 2C ! ESCR[ -PANY H&LES ! LEGAL TRANSAC;N &! S]VIC+ (! PAY;TS4 ,I H NO RO(S 6FIX OR TOILETS 6UNPLUG 2C ! [N]S D T4 ,X'S _! H\SE1 ,O3A.N,Y "S"O DOES N PAY4 ,& T IS WOND];L 2C "! >E LATE FEES1 OR !Y MOVE \ &! PROP]TY IS SOLD AG4 ,! C\RT SY/EM H&LES T4 ,& X MAY N "W 9 YR >EA4 ,! M>KET 3DI;NS MAY 2 DI6]5T4 ,B ! EXAMPLE ILLU/RATES H[ A SIMPLE F9ANCIAL PROCESS C CR1TE HUNDR$S ( ?\S&S ( DOLL>S1 ) LL M"OY & L[ RISK4 ,X IS AN EXAMPLE ( M"OY 2+ ONLY AN AGREE;T4 ,ANY"O )A HI< S*OOL $UC,N C D X4 ,YET1 MO/ P WON'T4 ,MO/ P LI/5 6! /&>D ADVICE ( 8,"W H>D & SAVE M"OY4 ,= AB #CJ H\RS ( "W1 APPROXIMATELY 4#AIJ1JJJ 0 CR1T$ 9 ! ASSET COLUMN1 & NO TAXES 7 PD4 ,: "O S.DS H>D] 6Y8 #A4 ,"W H>D1 PAY #EJ P]C5T 9 TAXES1 SAVE :AT IS LEFT4 ,YR SAV+S !N E>NS #E P]C5T1 : IS AL TAX$4 ,OR3 #B4 ,TAKE ! "T 6DEVELOP YR F9ANCIAL 9TELLIG;E & H>;S ! P[] ( YR BRA9 &! ASSET COLUMN8 ,ADD 6T H[ M* "T X TAKES Y1 "T 2+ "O ( YR GRTE/ ASSETS1 6SAVE 4#AIJ1JJJ IF Y US$ OP;N ,NO4 #A8 ,N[ Y MAY "U/& :Y ,I SIL5TLY %AKE MY H1D :5 ,I HE> P>5TS SAY1 8,MY * IS DO+ WELL 9 S*OOL & RCVG A GD $UC,N40 ,X MAY 2 GD1 B IS X ADEQUATE8 ,I "K ! ABV 9VE/;T /RATEGY IS A SMALL "O4 ,X IS US$ 6ILLU/RATE H[ SMALL C GR[ 96BIG4 ,AG1 MY SU3ESS REFLECTS ! IMPORT.E (A /R;G F9ANCIAL F.D,N1 : />TS ) /R;G F9ANCIAL $UC,N4 ,I H SD X 2F1 YET X IS WOR? REP1T+-F9ANCIAL 9TELLIG;E IS MADE UP ( ^! F\R MA9 TE*NICAL SKILLS3 #A4 ,F9ANCIAL LIT]ACY4 ,! ABIL;Y 6R1D NUMB]S4 #B4 ,9VE/;T /RATEGIES4 ,! SCI;E ( M"OY MAK+ M"OY4 #C4 ,! M>KET4 ,SUPPLY & DEM&4 ,ALEX&] ,GRAHAM ,BELL GAVE ! M>KET :AT X WANT$4 ,S DID ,BILL ,GATES4 ,A 4#GE1JJJ H\SE (F]$ = 4#FJ1JJJ T CO/ 4#BJ1JJJ 0 AL ! RESULT ( SEIZ+ AN OPPORTUN;Y CR1T$ 0! M>KET4 ,"SBODY 0 BUY+1 & "S"O 0 SELL+4 #D4 ,! LAW4 ,! AW>E;S ( A3.T+1 CORPORATE1 /ATE & N,NAL RULES & REGUL,NS4 ,I RECOMM5D PLAY+ )9 ! RULES4 ,X IS ? BASIC F.D,N1 OR ! -B9,N ( ^! SKILLS1 T IS NE$$ 6BE SU3ESS;L 9 ! PURSUIT ( W1L?1 :E!R X 2 "? ! BUY+ ( SMALL HOMES1 L>GE A"P;TS1 -PANIES1 /OCKS1 BONDS1 MUTUAL FUNDS1 PRECI\S METALS1 BASEBALL C>DS OR ! L4 ,0#AIIF1 ! R1L E/ATE M>KET _H REB.D$ & "EY"O ELSE 0 GETT+ IN4 ,! /OCK M>KET 0 BOOM+1 & "EY"O 0 GETT+ IN4 ,! ,U4,S4 ECONOMY 0 GETT+ BACK ON XS FEET4 ,I 2GAN SELL+ 9 #AIIF & 0 N[ TRAVEL+ 6,P]U1 ,NORWAY1 ,MALAYSIA &! ,PHILIPP9ES4 ,! 9VE/;TS _H *ANG$4 ,WE 7 \ (! R1L E/ATE M>KET1 Z F> Z BUY+ GOES4 ,N[ ,I J WAT* ! VALUES CLIMB 9SIDE ! ASSET COLUMN & W PROBABLY 2G9 SELL+ LAT] ? YE>4 ,X DEP5DS ON "S LAW *ANGES T MAY 2 PASS$ 9 ,3GRESS4 ,I SUSPECT T "S ( ^? SIX LL H\SE D1LS W 2G9 SELL+ &! 4#DJ1JJJ NOTE W 2 3V]T$ 6CA%4 ,I NE$ 6CALL MY A3.TANT 6BE PREP>$ = CA% & SEEK WAYS 6%ELT] X4 ,! PO9T ,I WD L 6MAKE IS T 9VE/;TS -E & G1 ! M>KET GOES UP & GOES D[N1 ECONOMIES IMPROVE & CRA%4 ,! _W IS ALW H&+ Y OPPORTUNITIES (A LIFE"T1 E "D ( YR LIFE1 B ALL TOO (T5 WE FAIL 6SEE !M4 ,B !Y >E "!4 ,&! M ! _W *ANGES &! M TE*NOLOGY *ANGES1 ! M OPPORTUNITIES "! W 2 6ALL[ Y & YR FAMILY 6BE F9ANCI,Y SECURE = G5],NS 6-E4 ,S :Y BO!R DEVELOP+ YR F9ANCIAL 9TELLIG;E8 ,AG1 ONLY Y C ANSW] T4 ,I "K :Y ,I 3T9UE 6LE>N & DEVELOP4 ,I D X 2C ,I "K "! >E *ANGES -+4 ,I'D R WELCOME *ANGE ?AN CL+ 6! PA/4 ,I "K "! W 2 M>KET BOOMS & M>KET CRA%ES4 ,I WANT 63T9U,Y DEVELOP MY F9ANCIAL 9TELLIG;E 2C AT EA* M>KET *ANGE1 "S P W 2 ON _! KNEES BE7+ = _! JOBS4 ,O!RS1 M1N:ILE1 W TAKE ! LEMONS T LIFE H&S !M-& WE >E ALL H&$ LEMONS O3A.N,Y-& TURN !M 96MILLIONS4 ,T'S F9ANCIAL 9TELLIG;E4 ,I AM (T5 ASK$ AB ! LEMONS ,I H TURN$ 96MILLIONS4 ,Z A P]SONAL NOTE1 ,I HESITATE US+ _M M EXAMPLES ( P]SONAL 9VE/;TS4 ,I HESITATE 2C ,I AM AFRAID X W -E ACR Z BRA7+ OR TOOT+ MY [N HORN4 ,T IS N MY 9T5;N4 ,I USE ! EXAMPLES ONLY Z NUM]ICAL & *RONOLOGICAL ILLU/R,NS ( ACTUAL & SIMPLE CASES4 ,I USE ! EXAMPLES 2C ,I WANT Y 6"K T X IS EASY4 ,X IS EASI]1 ! M FAMILI> Y >E )! F\R PILL>S ( F9ANCIAL 9TELLIG;E4 ,P]SON,Y1 ,I USE TWO MA9 VEHICLES 6A*IEVE F9ANCIAL GR[?3 R1L E/ATE & SMALL /OCKS4 ,I USE R1L E/ATE Z MY F.D,N4 ,"D 9 & "D \1 MY PROP]TIES PROVIDE CA% FL[ & O3A.NAL SPURTS ( GR[? 9 VALUE4 ,! SMALL- CAP /OCKS >E US$ = FA/ GR[?4 ,I D N RECOMM5D ANY?+ T ,I D4 ,! EXAMPLES >E J T1 EXAMPLES4 ,IF ! OPPORTUN;Y IS TOO -PLEX & ,I D N "U/& ! 9VE/;T1 ,I DON'T D X4 ,SIMPLE MA? & -MON S5SE IS ALL T IS NE$$ 6D WELL F9ANCI,Y4 ,"! >E FIVE R1SONS = US+ ! EXAMPLES3 #A4 ,69SPIRE P 6LE>N M4 #B4 ,6LET P "K X IS EASY IF ! F.D,N IS /R;G4 #C4 ,6%[ T ANY"O C A*IEVE GRT W1L?4 #D4 ,6%[ T "! >E MILLIONS ( WAYS 6A*IEVE YR GOALS4 #E4 ,6%[ T X'S N ROCKET SCI;E4 ,9 #AIHI1 ,I US$ 6JOG "? A LOVELY NEIKET 0 T]RI#1 ! /OCK M>KET _H J CRA%$1 &! ECONOMY 0 DEPRESS$4 ,ON "O /REET1 ,I NOTIC$ ;A =-SALE SIGN T 0 UP L;G] ?AN MO/4 ,X LOOK$ OLD4 ,JO7+ PA/ X "O "D1 ,I RAN 96! [N]1 :O LOOK$ TR\#D4 8,:AT >E Y ASK+ = YR H\SE80 ,I ASK$4 ,! [N] TURN$ & SMIL$ W1KLY4 8,MAKE ME AN (F]10 HE SD4 8,X'S BE5 = SALE = OV] A YE>4 ,NOBODY EV5 -ES 0ANYMORE 6LOOK AT X40 8,I'LL LOOK10 ,I SD1 & ,I B"\ ! H\SE A HALF H\R LAT] = 4#BJ1JJJ LESS ?AN 8 ASK+ PRICE4 ,X 0 A CUTE LL TWO-B$ROOM HOME1 ) G+]BR1D TRIM ON ALL ! W9D[S4 ,X 0 LIDLY EXCIT+4 ,A YE> LAT]1 ! DEPRESS$ ,OREGON R1L E/ATE M>KET _H 2GUN 6PICK UP4 ,CALI=NIA 9VE/ORS1 FLU% ) M"OY F _! /-BOOM+ R1L E/ATE M>KET WE MOV+ NOR? & BUY+ UP ,OREGON & ,WA%+TON4 ,I SOLD T LL H\SE = 4#IE1JJJ 6A "Y C\PLE F ,CALI=NIA :O ?"\ X 0 A B>GA94 ,MY CAPITAL GA9S ( APPROXIMATELY 4#DJ1JJJ 0 PLAC$ 96A #AJCA TAX-DEF]R$ EX*ANGE1 & ,I W5T %OPP+ =A PLACE 6PUT MY M"OY4 ,9 AB A MON?1 ,I F.D A #AB-UNIT A"P;T H\SE "R NEXT 6! ,9TEL PLANT 9 ,B1V]TON1 ,OREGON4 ,! [N]S LIV$ 9 ,G]_M1 _H NO IDEA :AT ! PLACE 0 WOR?1 & AG1 J WANT$ 6GET \ ( X4 ,I (F]$ 4#BGE1JJJ =A 4#DEJ1JJJ BUILD+4 ,!Y AGRE$ 64#CJJ1JJJ4 ,I B"\ X & HELD X = #B YE>S ,UTILIZ+ ! SAME #AJCA EX*ANGE PROCESS1 WE SOLD ! BUILD+ = 4#DIE1JJJ & B"\ A #CJ-UNIT A"P;T BUILD+ 9 ,PHOENIX1 ,>IZONA4 ,WE _H MOV$ 6,PHOENIX 0!N 6GET \ (! RA91 & NE$$ 6SELL ANYWAY4 ,L ! =M] ,OREGON M>KET1 ! R1L E/ATE M>KET 9 ,PHOENIX 0 DEPRESS$4 ,! PRICE (! #CJ-UNIT A"P;T BUILD+ 9 ,PHOENIX 0 4#HGE1JJJ1 ) 4#BBE1JJJ D[N4 ,! CA% FL[ F ! #CJ UNITS 0 A LL OV] 4#E1JJJ A MON?4 ,! ,>IZONA M>KET 2GAN MOV+ UP &1 9 #AIIF1 A ,COLORADO 9VE/OR (F]$ U 4#A.B MILLION =! PROP]TY4 ,MY WIFE & ,I 3SID]$ SELL+1 B WE DECID$ 6WAIT 6SEE IF ! CAPITAL-GA9S LAW W 2 *ANG$ 0,3GRESS4 ,IF X DOES *ANGE1 WE SUSPECT ! PROP]TY W G UP ANO!R #AE 6#BJ P]C5T4 ,2SS1 ! 4#E1JJJ A MON? PROVIDES A NICE CA% FL[4 ,! PO9T ( ? EXAMPLE IS H[ A SMALL AM.T C GR[ 96A L>GE AM.T4 ,AG1 X IS A MATT] ( "U/&+ F9ANCIAL /ATE;TS1 9VE/;T /RATEGIES1 A S5SE (! M>KET &! LAWS4 ,IF P >E N V]S$ 9 ^! SUBJECTS1 !N OBVI\SLY !Y M/ FOLL[ /&>D DOGMA1 : IS 6PLAY X SAFE1 DIV]SIFY & ONLY 9VE/ 9 SECURE 9VE/;TS4 ,! PRO#M ) 8SECURE0 9VE/;TS IS T !Y >E (T5 SANITIZ$4 ,T IS1 MADE S SAFE T ! GA9S >E LESS4 ,MO/ L>GE BROK]AGE H\SES W N T\* SPECULATIVE TRANSAC;NS 6PROTECT !MVS & _! CLI5TS4 ,& T IS A WISE POLICY4 ,! RE,Y HOT D1LS >E N (F]$ 6P :O >E NOVICES4 ,(T51 ! BE/ D1LS T MAKE ! RI* EV5 RI*] >E RES]V$ = ^? :O "U/& ! GAME4 ,X IS TE*NIC,Y ILLEGAL 6(F] "S"O :O IS 3SID]$ N 8SOPHI/ICAT$0 S* SPECULATIVE D1LS1 B1 ( C\RSE1 X HAPP5S4 ,! M S-CALL$ 8SOPHI/ICAT$0 ,I GET1 ! M OPPORTUNITIES -E MY WAY4 ,ANO!R CASE = DEVELOP+ YR F9ANCIAL 9TELLIG;E1 OV] A LIFE"T1 IS SIMPLY T M OPPORTUNITIES >E PRES5T$ 6Y4 ,&! GRT] YR F9ANCIAL 9TELLIG;E1 ! EASI] X IS 6TELL :E!R A D1L IS GD4 ,X'S YR 9TELLIG;E T C SPOT A BAD D1L1 OR MAKE A BAD D1L GD4 ,! M ,I LE>N- & "! IS A LOT 6LE>N-! M M"OY ,I MAKE SIMPLY 2C ,I GA9 EXP]I;E & WISDOM Z ! YE>S G ON4 ,I H FRS :O >E PLAY+ X SAFE1 "W+ H>D AT _! PROFES.N1 & FAIL+ 6GA9 F9ANCIAL WISDOM1 : DOES TAKE "T 6DEVELOP4 ,MY OV]ALL PHILOSOPHY IS 6PLANT SE$S 9SIDE MY ASSET COLUMN4 ,T IS MY =MULA4 ,I />T SMALL & PLANT SE$S4 ,"S GR[2 "S DON'T4 ,9SIDE \R R1L E/ATE CORPOR,N1 WE H S"EAL MILLION DOLL>S' WOR? ( PROP]TY4 ,X IS \R [N ,,REIT1 OR R1L E/ATE 9VE/;T TRU/4 ,! PO9T ,I'M MAK+ IS T MO/ ( ^? MILLIONS />T$ \ Z LL 4#E1JJJ 64#AJ1JJJ 9VE/;TS4 ,ALL ( ^? D[N PAY;TS 7 =TUNATE 6CAT* A FA/-RIS+ M>KET1 9CR1SE TAX FREE1 TRAD+ 9 & \ S"EAL "TS OV] A NUMB] ( YE>S4 ,WE AL [N A /OCK PORTFOLIO1 SURR.D$ 0A CORPOR,N T MY WIFE & ,I CALL \R P]SONAL MUTUAL FUND4 ,WE H FRS :O D1L SPECIFIC,Y ) 9VE/ORS L U T H EXTRA M"OY EA* MON? 69VE/4 ,WE BUY HI<-RISK1 SPECULATIVE PRIVATE -PANIES T >E J AB 6G PUBLIC ON A /OCK EX*ANGE 9 ! ,UNIT$ ,/ATES OR ,CANADA4 ,AN EXAMPLE ( H[ FA/ GA9S C 2 MADE >E #AJJ1JJJ %>ES PUR*AS$ = #BE C5TS EA* 2F ! -PANY GOES PUBLIC4 ,SIX MON?S LAT]1 ! -PANY IS LI/$1 &! #AJJ1JJJ %>ES N[ >E WOR? 4#B EA*4 ,IF ! -PANY IS WELL- MANAG$1 ! PRICE KEEPS GO+ UP1 &! /OCK MAY G 64#BJ OR M P] %>E4 ,"! >E YE>S :5 \R 4#BE1JJJ HAS G"O 6A MILLION 9 LESS ?AN A YE>4 ,X IS N GAMBL+ IF Y "K :AT Y'RE DO+4 ,X IS GAMBL+ IF Y'RE J ?R[+ M"OY 96A D1L & PRAY+4 ,! IDEA 9 ANY?+ IS 6USE YR TE*NICAL K1 WISDOM & LOVE (! GAME 6CUT ! O4S D[N1 6L[] ! RISK4 ,( C\RSE1 "! IS ALW RISK4 ,X IS F9ANCIAL 9TELLIG;E T IMPROVES ! O4S4 ,?US1 :AT IS RISKY = "O P]SON IS LESS RISKY 6"S"O ELSE4 ,T IS ! PRIM>Y R1SON ,I 3/ANTLY 5C\RAGE P 69VE/ M 9 _! F9ANCIAL $UC,N ?AN 9 ! /OCK1 R1L E/ATE OR O!R M>KETS4 ,! SM>T] Y >E1 ! BETT] *.E Y H ( B1T+ ! O4S4 ,! /OCK PLAYS ,I P]SON,Y 9VE/ 9 >E EXTREMELY HI< RISK = MO/ P & ABSOLUTELY N RECOMM5D$4 ,I H BE5 PLAY+ T GAME S9CE #AIGI & H PD M ?AN MY %>E 9 DUES4 ,B IF Y W RER1D :Y 9VE/;TS S* Z ^! >E HI< RISK = MO/ P1 Y MAY 2 A# 6SET YR LIFE UP DI6]5TLY1 S T ! ABIL;Y 6TAKE 4#BE1JJJ & TURN X 964#A MILLION 9 A YE> IS L[ RISK = Y4 ,Z /AT$ E>LI]1 NO?+ ,I H WRITT5 IS A RECOMM5D,N4 ,X IS ONLY US$ Z AN EXAMPLE ( :AT IS SIMPLE & POSSI#4 ,:AT ,I D IS SMALL POTATOES 9 ! S*EME ( ?+S1 YET =! AV]AGE 9DIVIDUAL1 A PASSIVE 9COME ( M ?AN 4#AJJ1JJJ A YE> IS NICE & N H>D 6A*IEVE4 ,DEP5D+ ON ! M>KET & H[ SM>T Y >E1 X CD 2 D"O 9 FIVE 6T5 YE>S4 ,IF Y KEEP YR LIV+ EXP5SES MODE/1 4#AJJ1JJJ -+ 9 Z A4I;NAL 9COME IS PL1SANT1 REG>D.S ( :E!R Y "W4 ,Y C "W IF Y L OR TAKE "T (F IF Y *OOSE & USE ! GOV]N;T TAX SY/EM 9 YR FAVOR1 R ?AN AG/ Y4 ,MY P]SONAL BASIS IS R1L E/ATE4 ,I LOVE R1L E/ATE 2C X'S /A# & SL[ MOV+4 ,I KEEP ! BASE SOLID4 ,! CA% FL[ IS FAIRLY /1DY &1 IF PROP]LY MANAG$1 HAS A GD *.E ( 9CR1S+ 9 VALUE4 ,! B1UTY (A SOLID BASE ( R1L E/ATE IS T X ALL[S ME 6BE "S:AT RISKI] )! M SPECULATIVE /OCKS ,I BUY4 ,IF ,I MAKE GRT PR(ITS 9 ! /OCK M>KET1 ,I PAY MY CAPITAL-GA9S TAX ON ! AM & !N RE9VE/ :AT'S LEFT 9 R1L E/ATE1 AG FUR!R SECUR+ MY ASSET F.D,N4 ,9VE/+ ,A LA/ ^W ON R1L E/ATE4 ,I H TRAVEL$ ALL OV] ! _W & TAU P SAY Y _C BUY R1L E/ATE *1P4 ,T IS N MY EXP]I;E4 ,EV5 9 ,NEW ,YORK OR ,TOKYO1 OR J ON ! \TSKIRTS (! C;Y1 >E PRIME B>GA9S OV]LOOK$ 0MO/ P4 ,9 ,S+APORE1 CURR5TLY "UGO+ HI< R1L E/ATE PRICES1 "! >E / B>GA9S 6BE F.D )9 A %ORT DRIV+ 4T.E4 ,S :5"E ,I HE> "S"O SAY1 8,Y C'T D T "H10 PO9T+ AT ME1 ,I REM9D !M T MAYBE ! R1L /ATE;T IS1 8,I DON'T "K H[ 6D T "H-YET40 ,GRT OPPORTUNITIES >E N SE5 ) YR EYES4 ,!Y >E SE5 ) YR M9D4 ,MO/ P N"E GET W1L?Y SIMPLY 2C !Y >E N TRA9$ F9ANCI,Y 6RECOGNIZE OPPORTUNITIES "R 9 FRONT ( !M4 ,I AM (T5 ASK$1 8,H[ D ,I />T80 ,9 ! LA/ *APT]1 ,I (F] T5 /EPS T ,I FOLL[$ ON ! ROAD 6MY F9ANCIAL FREEDOM4 ,B ALW REMEMB] 6H FUN4 ,? IS ONLY A GAME4 ,"S"TS Y W9 & "S"TS Y LE>N4 ,B H FUN4 ,MO/ P N"E W9 2C !Y'RE M AFRAID ( LOS+4 ,T IS :Y ,I F.D S*OOL S SILLY4 ,9 S*OOL WE LE>N T MISTAKES >E BAD1 & WE >E PUNI%$ = MAK+ !M4 ,YET1 IF Y LOOK AT ! WAY HUMANS >E DESIGN$ 6LE>N1 WE LE>N 0MAK+ MISTAKES4 ,WE LE>N 6WALK 0FALL+ D[N4 ,IF WE N"E FELL D[N1 WE WD N"E WALK4 ,! SAME IS TRUE = LE>N+ 6RIDE A BIKE4 ,I / H SC>S ON MY KNEES1 B TD ,I C RIDE A BIKE )\T ?9K+4 ,! SAME IS TRUE = GETT+ RI*4 ,UN=TUNATELY ! MA9 R1SON MO/ P >E N RI* IS 2C !Y >E T]RIFI$ ( LOS+4 ,W9N]S >E N AFRAID ( LOS+4 ,B LOS]S >E4 ,FAILURE IS "P (! PROCESS ( SU3ESS4 ,P :O AVOID FAILURE AL AVOID SU3ESS4 ,I LOOK AT M"OY M* L MY GAME ( T5NIS4 ,I PLAY H>D1 MAKE MISTAKES CORRECT1 MAKE M MISTAKES1 CORRECT & GET BETT]4 ,IF ,I LOSE ! GAME1 ,I R1* ACR ! NET1 %AKE MY OPPON5T'S H&1 SMILE & SAY1 8,SEE Y NEXT ,SATUR"D40 ,"! >E TWO K9DS ( 9VE/ORS3 #A4 ,! F/ & MO/ -MON TYPE >E P :O BUY A PACKAG$ 9VE/;T4 ,!Y CALL A RETAIL \TLET1 S* Z A R1L E/ATE -PANY OR A /OCKBROK] OR A F9ANCIAL PLANN]1 & !Y BUY "S?+4 ,X CD 2 A MUTUAL FUND1 A ,,REIT1 A /OCK OR A BOND4 ,X IS A GD CL1N & SIMPLE WAY ( 9VE/+4 ,AN EXAMPLE WD 2 A %OPP] :O GOES 6A -PUT] /ORE & BUYS A -PUT] "R (F ! %ELF4 #B4 ,! SECOND TYPE >E 9VE/ORS :O CR1TE 9VE/;TS4 ,? 9VE/OR USU,Y ASSEM#S A D1L1 M* L "! >E P :O BUY -PON5TS ( -PUT]S & PUT X TGR4 ,X'S L CU/OMIZ+4 ,I D N "K ! F/ ?+ AB PUTT+ -PON5TS (A -PUT] TGR4 ,B ,I D "K H[ 6PUT PIECES ( OPPORTUNITIES TGR1 OR "K P :O D4 ,X IS ? SECOND TYPE ( 9VE/OR T IS MO/ PROBABLY ! PROFES.NAL 9VE/OR4 ,"S"TS X MAY TAKE YE>S = ALL ! PIECES 6-E TGR4 ,& "S"TS !Y N"E D -E TGR4 ,X 0 ? SECOND TYPE ( 9VE/OR MY RI* DAD 5C\RAG$ ME 6BE4 ,X IS IMPORTANT 6LE>N H[ 6PUT ! PIECES TGR 2C T IS ": ! HUGE W9S >E1 & "S"TS "S HUGE LOSSES IF ! TIDE GOES AG/ Y4 ,IF Y WANT 6BE ! SECOND TYPE ( 9VE/OR1 Y NE$ 6DEVELOP ?REE MA9 SKILLS4 ,^! SKILLS >E 9 A4I;N 6^? REQUIR$ 62COME F9ANCI,Y 9TELLIG5T3 #A4 ,H[ 6F9D AN OPPORTUN;Y T "EY"O ELSE HAS MISS$4 ,Y SEE ) YR M9D :AT O!RS MISS ) _! EYES4 ,= EXAMPLE1 A FR B"\ ? RUND[N OLD H\SE4 ,X 0 SPOOKY 6LOOK AT4 ,"EY"O WOND]$ :Y HE B"\ X4 ,:AT HE SAW T WE DID N 0 T ! H\SE CAME ) F\R EXTRA EMPTY LOTS4 ,HE R1LIZ$ T 0GO+ 6! TITLE -PANY4 ,AF BUY+ ! H\SE1 HE TORE X D[N & SOLD ! FIVE LOTS 6A BUILD] = ?REE "TS :AT HE PD =! 5TIRE PACKAGE4 ,HE MADE 4#GE1JJJ = TWO MON?S' "W4 ,X'S N A LOT ( M"OY1 B X SURE B1TS M9IMUM WAGE1 & X'S N TE*NIC,Y DI6ICULT4 #B4 ,H[ 6RAISE M"OY4 ,! AV]AGE P]SON ONLY GOES 6! BANK4 ,? SECOND TYPE ( 9VE/OR NE$S 6"K H[ 6RAISE CAPITAL1 & "! >E _M WAYS T DON'T REQUIRE A BANK4 ,6GET />T$1 ,I LE>N$ H[ 6BUY H\SES )\T A BANK4 ,X 0 N S M* ! H\SES1 B ! LE>N$ SKILL ( RAIS+ M"OY T IS PRICE.S4 ,ALL TOO (T5 ,I HE> P SAY1 8,! BANK WON'T L5D ME M"OY40 ,OR 8,I DON'T H ! M"OY 6BUY X40 ,IF Y WANT 6BE A ,TYPE #B 9VE/OR1 Y NE$ 6LE>N H[ 6D T : /OPS MO/ P4 ,9 O!R ^WS1 A MAJOR;Y ( P LET _! LACK ( M"OY /OP !M F MAK+ A D1L4 ,IF Y C AVOID T OB/ACLE1 Y W 2 MILLIONS AH1D ( ^? :O DON'T LE>N ^? SKILLS4 ,"! H BE5 _M "TS ,I H B"\ A H\SE1 A /OCK OR AN A"P;T BUILD+ )\T A P5NY 9 ! BANK4 ,I ONCE B"\ AN A"P;T H\SE = 4#A.B MILLION4 ,I DID :AT IS CALL$ 8,TY+ X UP10 )A WRITT5 3TRACT 2T SELL] & BUY]4 ,I !N RAIS$ ! 4#AJJ1JJJ DEPOSIT1 : B"\ ME #IJ "DS 6RAISE ! RE/ (! M"OY4 ,:Y DID ,I D X8 ,SIMPLY 2C ,I KNEW X 0 WOR? 4#B MILLION4 ,I N"E RAIS$ ! M"OY4 ,9/1D1 ! P]SON :O PUT UP ! 4#AJJ1JJJ GAVE ME 4#EJ1JJJ = F9D+ ! D1L1 HE TOOK OV] MY POSI;N1 & ,I WALK$ AWAY4 ,TOTAL "W+ "T3 ?REE "DS4 ,AG1 X'S :AT Y "K M ?AN :AT Y BUY4 ,9VE/+ IS N BUY+4 ,X'S M A CASE ( "K+4 #C4 ,H[ 6ORGANIZE SM>T P4 ,9TELLIG5T P >E ^? :O "W ) OR HIRE A P]SON :O IS M 9TELLIG5T ?AN !Y >E4 ,:5 Y NE$ ADVICE1 MAKE SURE Y *OOSE YR ADVISOR WISELY4 ,"! IS A LOT 6LE>N1 B ! REW>DS C 2 A/RONOMICAL4 ,IF Y D N WANT 6LE>N ^? SKILLS1 !N 2+ A ,TYPE #A 9VE/OR IS HIN 6MANAGE RISK 9/1D ( AVOID X4 ------------