,,*APT] ,,SEV5
             ,LESSON ,SIX3
        ,"W3 6,LE>N -,DON'T ,"W
                = ,M"OY

  ,9 #AIIE1 ,I GRANT$ AN 9T]VIEW )A
NEWSPAP] 9 ,S+APORE4 ,! "Y FEMALE
REPORT] 0 ON "T1 &! 9T]VIEW GOT "U WAY
IMMLY4 ,WE SAT 9 ! LO2Y (A LUXURI\S
HOTEL1 SIPP+ C(FEE & 4CUSS+ ! PURPOSE (
MY VISIT 6,S+APORE4 ,I 0 6%>E ! PLAT=M )
,ZIG ,ZIGL>4 ,HE 0 SP1K+ ON MOTIV,N1 &
,I 0 SP1K+ ON 8,! ,SECRETS (! ,RI*40
  8,"S"D1 ,I WD L 6BE A BE/-SELL+ AU?OR
L Y10 %E SD4 ,I _H SE5 "S (! >TICLES %E
_H WRITT5 =! PAP]1 & ,I 0 IMPRESS$4 ,%E
_H A T\<1 CLE> /YLE ( WRIT+4 ,H] >TICLES
HELD A R1D]'S 9T]E/4
  8,Y H A GRT /YLE10 ,I SD 9 REPLY4
8,:AT HOLDS Y BACK F A*IEV+ YR DR1M80
  8,MY "W DOES N SEEM 6G ANY":10 %E SD
QUIETLY4 8,"EY"O SAYS @_L T MY NOVELS >E
EXCELL5T1 B NO?+ HAPP5S4 ,S ,I KEEP MY
JOB )! PAP]4 ,AT L1/ X PAYS ! BILLS4 ,D
Y H ANY SU7ES;NS80
  8,YES1 ,I D10 ,I SD B"RLY4 8,A FR (
M9E "H 9 ,S+APORE RUNS A S*OOL T TRA9S P
6SELL4 ,HE RUNS SALES-TRA9+ C\RSES = _M
(! TOP CORPOR,NS "H 9 ,S+APORE1 & ,I ?9K
ATT5D+ "O ( 8 C\RSES WD GRTLY 5H.E YR
C>E]40
  ,%E /I65$4 8,>E Y SAY+ ,I %D G 6S*OOL
6LE>N 6SELL80
  ,I NO4$4
  8,Y >5'T S]I\S1 >E Y80
  ,AG1 ,I NO4$4 8,:AT IS WR;G ) T80 ,I 0
N[ BACKP$DL+4 ,%E 0 (F5D$ 0"S?+1 & N[ ,I
0 WI%+ ,I _H N SD ANY?+4 ,9 MY ATTEMPT
6BE HELP;L1 ,I F.D MYF DEF5D+ MY
SU7ES;N4
  8,I H A MA/]'S DEGREE 9 ,5GLI%
,LIT]ATURE4 ,:Y WD ,I G 6S*OOL 6LE>N 6BE
A SALESP]SON8 ,I AM A PROFES.NAL4 ,I W5T
6S*OOL 6BE TRA9$ 9 A PROFES.N S ,I WD N
H 6BE A SALESP]SON4 ,I HATE SALESPEOPLE4
,ALL !Y WANT IS M"OY4 ,S TELL ME :Y ,I
%D /UDY SALES80 ,%E 0 N[ PACK+ H]
BRIEFCASE =CIBLY4 ,! 9T]VIEW 0 OV]4
  ,ON ! C(FEE TA# SAT A COPY ( MY F/
BOOK1 ,IF ,Y ,WANT ,6,BE ,RI* & ,HAPPY1
,DON'T ,G 6,S*OOL8 ,I PICK$ X UP Z WELL
Z ! NOTES %E _H JOTT$ D[N ON H] LEGAL
PAD4 8,D Y SEE ?80 ,I SD PO9T+ 6H]
NOTES4
  ,%E LOOK$ D[N AT H] NOTES4 8,:AT10 %E
SD1 3FUS$4
  ,AG1 ,I PO9T$ DELIB]ATELY 6H] NOTES4
,ON H] PAD %E _H WRITT5 8,ROB]T
,KIYOSAKI1 BE/-SELL+ AU?OR40
  8,X SAYS ,8BE/-SELL+ AU?OR10' N BE/
,8WRIT+0' AU?OR40
  ,H] EYES WID5$ IMMLY4
  8,I AM A T]RI# WRIT]4 ,Y >E A GRT
WRIT]4 ,I W5T 6SALES S*OOL4 ,Y H A
MA/]'S DEGREE4 ,PUT !M TGR & Y GET A
,8BE/-SELL+ AU?OR0' &A ,8BE/-WRIT+
AU?OR40'
  ,ANG] FL>$ F H] EYES4 8,I'LL N"E /OOP
S L[ Z 6LE>N H[ 6SELL4 ,P L Y H NO
BUSI;S WRIT+4 ,I AM A PROFES.N,Y TRA9$
WRIT] & Y >E A SALESMAN4 ,X IS N FAIR40
  ,! RE/ ( H] NOTES 7 PUT AWAY1 & %E
HURRI$ \ "? ! L>GE GLASS DOORS 96! HUMID
,S+APORE MORN+4
  ,AT L1/ %E GAVE ME A FAIR & FAVORA#
WRITE-UP ! NEXT MORN+4
  ,! _W IS FILL$ ) SM>T1 TAL5T$1 $UCAT$
& GIFT$ P4 ,WE MEET !M E "D4 ,!Y >E ALL
>.D U4
  ,A FEW "DS AGO1 MY C> 0 N RUNN+ WELL4
,I PULL$ 96A G>AGE1 &! "Y ME*ANIC _H X
FIX$ 9 J A FEW M9UTES4 ,HE KNEW :AT 0
WR;G 0SIMPLY LI/5+ 6! 5G9E4 ,I 0 AMAZ$4
  ,! SAD TRU? IS1 GRT TAL5T IS N 5\<4
  ,I AM 3/ANTLY %OCK$ AT H[ LL TAL5T$ P
E>N4 ,I HE>D ! O!R "D T LESS ?AN #E
P]C5T ( ,AM]ICANS E>N M ?AN 4#AJJ1JJJ A
YE>4 ,I H MET BRILLIANT1 HI<LY $UCAT$ P
:O E>N LESS ?AN 4#BJ1JJJ A YE>4 ,A
BUSI;S 3SULTANT :O SPECIALIZES 9 !
M$ICAL TRADE 0 TELL+ ME H[ _M DOCTORS1
D5TI/S & *IROPRACTORS /RU7LE F9ANCI,Y4
,ALL ? "T1 ,I ?"\ T :5 !Y GRADUAT$1 !
DOLL>S WD P\R IN4 ,X 0 ? BUSI;S 3SULTANT
:O GAVE ME ! PHRASE1 8,!Y >E "O SKILL
AWAY F GRT W1L?40
  ,:AT ? PHRASE M1NS IS T MO/ P NE$ ONLY
6LE>N & MA/] "O M SKILL & _! 9COME WD
JUMP EXPON5TI,Y4 ,I H M5;N$ 2F T
F9ANCIAL 9TELLIG;E IS A SYN]GY ( A3.T+1
9VE/+1 M>KET+ & LAW4 ,-B9E ^? F\R
TE*NICAL SKILLS & MAK+ M"OY ) M"OY IS
EASI]4 ,:5 X -ES 6M"OY1 ! ONLY SKILL MO/
P "K IS 6"W H>D4
  ,! CLASSIC EXAMPLE (A SYN]GY ( SKILLS
0 T "Y WRIT] =! NEWSPAP]4 ,IF %E
DILIG5TLY LE>N$ ! SKILLS ( SALES &
M>KET+1 H] 9COME WD JUMP DRAMATIC,Y4 ,IF
,I 7 H]1 ,I WD TAKE "S C\RSES 9 ADV]TIS+
COPYWRIT+ Z WELL Z SALES4 ,!N1 9/1D (
"W+ AT ! NEWSPAP]1 ,I WD SEEK A JOB AT
AN ADV]TIS+ AG5CY4 ,EV5 IF X 7 A CUT 9
PAY1 %E WD LE>N H[ 6-MUNICATE 9 8%ORT
CUTS0 T >E US$ 9 SU3ESS;L ADV]TIS+4 ,%E
AL WD SP5D "T LE>N+ PUBLIC REL,NS1 AN
IMPORTANT SKILL4 ,%E WD LE>N H[ 6GET
MILLIONS 9 FREE PUBLIC;Y4 ,!N1 AT NI<T &
ON WEEK5DS1 %E CD 2 WRIT+ H] GRT NOVEL4
,:5 X 0 F9I%$1 %E WD 2 BETT] A# 6SELL H]
BOOK4 ,!N1 9 A %ORT :ILE1 %E CD 2 A
8BE/-SELL+ AU?OR40
  ,:5 ,I F/ CAME \ ) MY BOOK ,IF ,Y
,WANT ,6,BE ,RI* & ,HAPPY1 ,DON'T ,G
6,S*OOL8 A PUBLI%] SU7E/$ ,I *ANGE !
TITLE 6,! ,ECONOMICS ( ,$UC,N4 ,I TOLD !
PUBLI%] T )A TITLE L T1 ,I WD SELL TWO
BOOKS3 "O 6MY FAMILY & "O 6MY BE/ FR4 ,!
PRO#M IS1 !Y WD EXPECT X = FREE4 ,!
OBNOXI\S TITLE ,IF ,Y ,WANT ,6,BE ,RI* &
,HAPPY1 ,DON'T ,G 6,S*OOL8 0 *OS5 2C WE
KNEW X WD GET TONS ( PUBLIC;Y4 ,I AM
PRO-$UC,N & 2LIEVE 9 $UC,N RE=M4
,O!RWISE1 :Y WD ,I 3T9UE 6PRESS = *ANG+
\R ANTIQUAT$ $UC,NAL SY/EM8 ,S ,I *OSE A
TITLE T WD GET ME ON M ,,TV & RADIO %[S1
SIMPLY 2C ,I 0 WILL+ 6BE 3TROV]SIAL4 ,_M
P ?"\ ,I 0 A FRUITCAKE1 B ! BOOK SOLD &
SOLD4 ,T'S :Y X 0 A 8BE/ SELL]0 ! F/
WEEK X 0 \4
  ,:5 ,I GRADUAT$ F ! ,U4,S4 ,M]*ANT
,M>9E ,ACADEMY 9 #AIFI1 MY $UCAT$ DAD 0
HAPPY4 ,/&>D ,OIL ( ,CALI=NIA _H HIR$ ME
= XS OIL-TANK] FLEET4 ,I 0 A ?IRD MATE1
&! PAY 0 L[ -P>$ ) MY CLASSMATES1 B X 0
,,OK =A F/ R1L JOB AF COLLEGE4 ,MY />T+
PAY 0 AB 4#DB1JJJ A YE>1 9CLUD+ OV]"T1 &
,I ONLY _H 6"W = SEV5 MON?S4 ,I _H FIVE
MON?S ( VAC,N4 ,IF ,I _H WANT$ TO1 ,I CD
H TAK5 ! RUN 6,VIETNAM )A SUBSIDI>Y
%IPP+ -PANY1 & EASILY D\#D MY PAY 9/1D (
TAK+ ! FIVE MON?S' VAC,N4
  ,I _H A GRT C>E] AH1D ( ME1 YET ,I
RESIGN$ AF SIX MON?S )! -PANY & JO9$ !
,M>9E ,CORPS 6LE>N H[ 6FLY4 ,MY $UCAT$
DAD 0 DEVA/AT$4 ,RI* DAD 3GRATULAT$ ME4
  ,9 S*OOL & 9 ! "WPLACE1 ! POPUL>
OP9ION IS ! IDEA ( 8SPECIALIZ,N40 ,T IS1
9 ORD] 6MAKE M M"OY OR GET PROMOT$1 Y
NE$ TO 8SPECIALIZE40 ,T IS :Y M$ICAL
DOCTORS IMMLY 2G9 6SEEK A SPECIALTY S* Z
OR?OP$ICS OR P$IATRICS4 ,! SAME IS TRUE
= A3.TANTS1 >*ITECTS1 LAWY]S1 PILOTS &
O!RS4
  ,MY $UCAT$ DAD 2LIEV$ 9 ! SAME DOGMA4
,T IS :Y HE 0 ?RILL$ :5 HE EV5TU,Y
A*IEV$ 8 DOCTORATE4 ,HE (T5 ADMITT$ T
S*OOLS REW>D P :O /UDY M & M AB LESS &
LESS4
  ,RI* DAD 5C\RAG$ ME 6D EXACTLY !
OPPOSITE4 8,Y WANT 6"K A LL AB A LOT0 0
8 SU7ES;N4 ,T IS :Y = YE>S ,I "W$ 9
DI6]5T >1S ( 8 -PANIES4 ,= A:ILE1 ,I "W$
9 8 A3.T+ DE"P;T4 ,AL? ,I WD PROBABLY
N"E H BE5 AN A3.TANT1 HE WANT$ ME 6LE>N
VIA 8OSMOSIS40 ,RI* DAD KNEW ,I WD PICK
UP 8J>GON0 &A S5SE ( :AT IS IMPORTANT &
:AT IS N4 ,I AL "W$ Z A BUS BOY &
3/RUC;N "W]1 Z WELL Z 9 SALES1 RES]V,NS
& M>KET+4 ,HE 0 8GROOM+0 ,MIKE & ME4 ,T
IS :Y HE 9SI/$ WE SIT 9 ON ! MEET+S ) 8
BANK]S1 LAWY]S1 A3.TANTS & BROK]S4 ,HE
WANT$ U 6"K A LL AB E ASPECT ( 8 EMPIRE4
  ,:5 ,I QUIT MY HI<-PAY+ JOB ) ,/&>D
,OIL1 MY $UCAT$ DAD _H A HE>T-TO-HE>T )
ME4 ,HE 0 2WILD]$4 ,HE CD N "U/& MY
DECI.N 6RESIGN F A C>E] T (F]$ HI< PAY1
GRT B5EFITS1 LOTS ( "T (F1 & OPPORTUN;Y
= PROMO;N4 ,:5 HE ASK$ ME "O EV5+1 8,:Y
DID Y QUIT80 ,I CD N EXPLA9 X 6HM1 Z M*
Z ,I TRI$4 ,MY LOGIC DID N FIT 8 LOGIC4
,! BIG PRO#M 0 T MY LOGIC 0 MY RI* DAD'S
LOGIC4
  ,JOB SECUR;Y M1NT "EY?+ 6MY $UCAT$
DAD4 ,LE>N+ M1NT "EY?+ 6MY RI* DAD4
  ,$UCAT$ DAD ?"\ ,I W5T 6S*OOL 6LE>N
6BE A %IP'S (FIC]4 ,RI* DAD KNEW T ,I
W5T 6S*OOL 6/UDY 9T]N,NAL TRADE4 ,S Z A
/UD5T1 ,I MADE C>GO RUNS1 NAVIGAT+ L>GE
FREI<T]S1 OIL TANK]S & PASS5G] %IPS 6!
,F> ,EA/ &! ,S\? ,PACIFIC4 ,RI* DAD
EMPHASIZ$ T ,I /AY 9 ! ,PACIFIC 9/1D (
TAK+ %IPS 6,EUROPE 2C HE KNEW T ! 8EM]G+
N,NS0 7 9 ,ASIA1 N ,EUROPE4 ,:ILE MO/ (
MY CLASSMATES1 9CLUD+ ,MIKE1 7 "PY+ AT
_! FRAT]N;Y H\SES1 ,I 0 /UDY+ TRADE1 P1
BUSI;S /YLES & CULTURES 9 ,JAPAN1
,TAIWAN1 ,?AIL&1 ,S+APORE1 ,H;G ,K;G1
,VIETNAM1 ,KOREA1 ,TAHITI1 ,SAMOA &!
,PHILIPP9ES4 ,I AL 0 "PY+1 B X 0 N 9 ANY
FRAT H\SE4 ,I GREW UP RAPIDLY4
  ,$UCAT$ DAD J CD N "U/& :Y ,I DECID$
6QUIT & JO9 ! ,M>9E ,CORPS4 ,I TOLD HM
,I WANT$ 6LE>N 6FLY1 B RE,Y ,I WANT$
6LE>N 6L1D TROOPS4 ,RI* DAD EXPLA9$ 6ME
T ! H>DE/ "P ( RUNN+ A -PANY IS MANAG+
P4 ,HE _H SP5T ?REE YE>S 9 ! ,>MY2 MY
$UCAT$ DAD 0 DRAFT-EXEMPT4 ,RI* DAD TOLD
ME (! VALUE ( LE>N+ 6L1D M5 96DANG]\S
SITU,NS4 8,L1D]%IP IS :AT Y NE$ 6LE>N
NEXT10 HE SD4 8,IF Y'RE N A GD L1D]1
Y'LL GET %OT 9 ! BACK1 J L !Y D 9
BUSI;S40
  ,RETURN+ F ,VIETNAM 9 #AIGC1 #A
RESIGN$ MY -MIS.N1 EV5 ?\< ,I LOV$ FLY+4
,I F.D A JOB ) ,X]OX ,CORP4 ,I JO9$ X =
"O R1SON1 & X 0 N =! B5EFITS4 ,I 0 A %Y
P]SON1 &! ?"\ ( SELL+ 0 ! MO/ F"R5+
SUBJECT 9 ! _W4 ,X]OX HAS "O (! BE/
SALES-TRA9+ PROGRAMS 9 ,AM]ICA4
  ,RI* DAD 0 PR\D ( ME4 ,MY $UCAT$ DAD 0
A%AM$4 ,2+ AN 9TELLECTUAL1 HE ?"\ T
SALESPEOPLE 7 2L HM4 ,I "W$ ) ,X]OX =
F\R YE>S UNTIL ,I OV]CAME MY FE> (
KNOCK+ ON DOORS & 2+ REJECT$4 ,ONCE ,I
CD 3SI/5TLY 2 9 ! TOP FIVE 9 SALES1 ,I
AG RESIGN$ & MOV$ ON1 L1V+ 2H ANO!R GRT
C>E] ) AN EXCELL5T -PANY4
  ,9 #AIGG1 #A =M$ MY F/ -PANY4 ,RI* DAD
_H GROOM$ ,MIKE & ME 6TAKE OV] -PANIES4
,S ,I N[ _H 6LE>N 6=M !M & PUT !M TGR4
,MY F/ PRODUCT1 ! NYLON & ,VELCRO
WALLET1 0 MANUFACTUR$ 9 ! ,F> ,EA/ &
%IPP$ 6A W>EH\SE 9 ,NEW ,YORK1 NE> ": ,I
_H G"O 6S*OOL4 ,MY =MAL $UC,N 0 -PLETE1
& X 0 "T 6TE/ MY W+S4 ,IF ,I FAIL$1 ,I
W5T BROKE4 ,RI* DAD ?"\ X BE/ 6G BROKE
2F #CJ4 8,Y / H "T 6RECOV]0 0 8 ADVICE4
,ON ! EVE ( MY #CJ? BIR?"D1 MY F/ %IP;T
LEFT ,KOREA = ,NEW ,YORK4
  ,TD1 ,I / D BUSI;S 9T]N,N,Y4 ,& Z MY
RI* DAD 5C\RAG$ ME 6D1 ,I KEEP SEEK+ !
EM]G+ N,NS4 ,TD MY 9VE/;T -PANY 9VE/S 9
,S\? ,AM]ICA1 ,ASIA1 ,NORWAY & ,RUSSIA4
  ,"! IS AN OLD CLI*E T GOES1 8,JOB IS
AN ACRONYM = ,8,J ,OV] ,BROKE40' ,&
UN=TUNATELY1 ,I WD SAY T ! SAY+ APPLIES
6MILLIONS ( P4 ,2C S*OOL DOES N ?9K
F9ANCIAL 9TELLIG;E IS AN 9TELLIG;E1 MO/
"W]S 8LIVE )9 _! M1NS40 ,: M1NS !Y "W &
PAY BILLS4
  ,"! IS ANO!R HORRI# MANAGE;T !ORY T
GOES1 8,"W]S "W H>D 5 6N 2 FIR$1 & [N]S
PAY J 5 S T "W]S WON'T QUIT40 ,& IF Y
LOOK AT ! PAY SCALES ( MO/ -PANIES1 AG
,I WD SAY "! IS A DEGREE ( TRU? 9 T
/ATE;T4
  ,! NET RESULT IS T MO/ "W]S N"E GET
AH1D4 ,!Y D :AT !Y'VE BE5 TAU<T 6D3
8,GET A SECURE JOB40 ,MO/ "W]S FOCUS ON
"W+ = PAY & B5EFITS T REW>D !M 9 ! %ORT
T]M1 B IS (T5 4A/R\S 9 ! L;G RUN4
  ,9/1D ,I RECOMM5D 6"Y P 6SEEK "W = :AT
!Y W LE>N1 M ?AN :AT !Y W E>N4 ,LOOK D[N
! ROAD AT :AT SKILLS !Y WANT 6ACQUIRE 2F
*OOS+ A SPECIFIC PROFES.N & 2F GETT+
TRAPP$ 9 ! 8,RAT ,RACE40
  ,ONCE P >E TRAPP$ 9 ! LIFEL;G PROCESS
( BILL PAY+1 !Y 2COME L ^? LL HAM/]S
RUNN+ >.D 9 ^? LL METAL :EELS4 ,_! LL
FURRY LEGS >E SP9N+ FURI\SLY1 ! :EEL IS
TURN+ FURI\SLY1 B -E TM MORN+1 !Y'LL / 2
9 ! SAME CAGE3 GRT JOB4
  ,9 ! MOVIE ,J]RY ,MAGUIRE1 />R+ ,TOM
,CRUISE1 "! >E _M GRT "O L9]S4 ,PROBABLY
! MO/ MEMORA# IS 8,%[ ME ! M"OY40 ,B "!
IS "O L9E ,I ?"\ MO/ TRU?;L4 ,X -ES F !
SC5E ": ,TOM ,CRUISE IS L1V+ ! FIRM4 ,HE
HAS J BE5 FIR$1 & HE IS ASK+ ! 5TIRE
-PANY 8,:O WANTS 6-E ) ME80 ,&! :OLE
PLACE IS SIL5T & FROZ54 ,ONLY "O WOMAN
SP1KS UP & SAYS1 8,I'D L 6B ,I'M DUE =A
PROMO;N 9 ?REE MON?S40
  ,T /ATE;T IS PROBABLY ! MO/ TRU?;L
/ATE;T 9 ! :OLE MOVIE4 ,X IS ! TYPE (
/ATE;T T P USE 6KEEP !MVS BUSY "W+ AWAY
6PAY BILLS4 ,I "K MY $UCAT$ DAD LOOK$
=W>D 6HIS PAY RAISE E YE>1 & E YE> HE 0
4APPO9T$4 ,S HE WD G BACK 6S*OOL 6E>N M
QUALIFIC,NS S HE CD GET ANO!R RAISE1 B
AG1 X WD 2 ANO!R 4APPO9T;T4
  ,! "Q ,I (T5 ASK P IS1 8,": IS ? DAILY
ACTIV;Y TAK+ Y80 ,J L ! LL HAM/]1 ,I
WOND] IF P LOOK AT ": _! H>D "W IS TAK+
!M4 ,:AT DOES ! FUTURE HOLD8
  ,CYRIL ,BRICKFIELD1 ! =M] EXECUTIVE
DIRECTOR ( ,! ,AM]ICAN ,ASSOCI,N (
,RETIR$ ,P1 REPORTS T 8PRIVATE P5.NS >E
9 A /ATE ( *AOS4 ,F/ ( ALL1 #EJ P]C5T (!
"W=CE TD HAS NO P5.N4 ,T AL"O %D 2 ( GRT
3C]N4 ,& #GE 6#HJ P]C5T (! O!R #EJ P]C5T
H 9E6ECTIVE P5.NS T PAY 4#EE OR 4#AEJ OR
4#CJJ A MON?40
  ,9 8 BOOK ,! ,RETIRE;T ,MY?1 ,CRAIG
,S4 ,K>PEL WRITES3 8,I VISIT$ !
H1DQU>T]S (A MAJOR N,NAL P5.N 3SULT+
FIRM & MET )A MANAG+ DIRECTOR :O
SPECIALIZES 9 DESIGN+ LU% RETIRE;T PLANS
= TOP MANAGE;T4 ,:5 ,I ASK$ H] :AT P :O
DON'T H CORN] (FICES W 2 A# 6EXPECT 9 !
WAY ( P5.N 9COME1 %E SD )A 3FID5T SMILE3
  ,8,! ,SILV] ,BULLET40'
  ,8,:AT10' ,I ASK$1 ,8IS ,! ,SILV]
,BULLET80'
  8,%E %RU7$1 ,8,IF BABY BOOM]S 4COV] !Y
DON'T H 5 M"OY 6LIVE ON :5 !Y'RE OLD]1
!Y C ALW BL[ _! BRA9S \40'0 ,K>PEL GOES
ON 6EXPLA9 ! DI6];E 2T ! OLD ,DEF9$
,B5EFIT RETIRE;T PLANS &! NEW #DJA;,K
PLANS : >E RISKI]4 ,X IS N A PRETTY
PICTURE = MO/ P "W+ TD4 ,& T IS J =
RETIRE;T4 ,:5 M$ICAL FEES & L;G-T]M
NURS+-HOME C>E >E A4$ 6! PICTURE1 !
PICTURE IS F"R5+4 ,9 8 #AIIE BOOK1 HE
9DICATES T NURS+-HOME FEES RUN F
4#CJ1JJJ 64#ABE1JJJ P] YE>4 ,HE W5T 6A
CL1N NO-FRILLS NURS+ HOME 9 8 >EA & F.D
! PRICE 6BE 4#HH1JJJ A YE> 9 #AIIE4
  ,ALR1 _M HOSPITALS 9 C.TRIES )
SOCIALIZ$ M$IC9E NE$ 6MAKE T\< DECI.NS
S* Z 8,:O W LIVE & :O W DIE80 ,!Y MAKE
^? DECI.NS PURELY ON H[ M* M"OY !Y H &
H[ OLD ! PATI5TS >E4 ,IF ! PATI5T IS
OLD1 !Y (T5 W GIVE ! M$ICAL C>E 6"S"O
"Y]4 ,! OLD] POOR PATI5T GETS PUT 6!
BACK (! L9E4 ,S J Z ! RI* C AF=D BETT]
$UC,N1 ! RI* W 2 A# 6KEEP !MVS ALIVE1
:ILE ^? :O H LL W1L? W DIE4
  ,S ,I WOND]1 >E "W]S LOOK+ 96! FUTURE
OR J UNTIL _! NEXT PAY*ECK1 N"E "Q+ ":
!Y >E H1D$8
  ,:5 ,I SP1K 6ADULTS :O WANT 6E>N M
M"OY1 ,I ALW RECOMM5D ! SAME ?+4 ,I
SU7E/ TAK+ A L;G VIEW ( _! LIFE4 ,9/1D (
SIMPLY "W+ =! M"OY & SECUR;Y1 : ,I ADMIT
>E IMPORTANT1 ,I SU7E/ !Y TAKE A SECOND
JOB T W T1* !M A SECOND SKILL4 ,(T5 ,I
RECOMM5D JO9+ A NET"W M>KET+ -PANY1 AL
CALL$ MULTILEVEL M>KET+1 IF !Y WANT
6LE>N SALES SKILLS4 ,"S ( ^! -PANIES H
EXCELL5T TRA9+ PROGRAMS T HELP P GET OV]
_! FE> ( FAILURE & REJEC;N1 : >E ! MA9
R1SONS P >E UNSU3ESS;L4 ,$UC,N IS M
VALUA# ?AN M"OY1 9 ! L;G RUN4
  ,:5 ,I (F] ? SU7ES;N1 ,I (T5 HE> 9
RESPONSE1 8,OH T IS TOO M* HASSLE10 OR
8,I ONLY WANT 6D :AT ,I AM 9T]E/$ IN40
  ,6! /ATE;T ( 8,X'S TOO M* (A HASSLE10
,I ASK1 8,S Y WD R "W ALL YR LIFE GIV+
#EJ P]C5T ( :AT Y E>N 6! GOV]N;T80 ,6!
O!R /ATE;T-8,I ONLY D :AT ,I AM 9T]E/$
IN0-,I SAY1 8,I'M N 9T]E/$ 9 GO+ 6! GYM1
B ,I G 2C ,I WANT 6FEEL BETT] & LIVE
L;G]40
  ,UN=TUNATELY1 "! IS "S TRU? 6! OLD
/ATE;T 8,Y C'T T1* AN OLD DOG NEW
TRICKS40 ,UN.S A P]SON IS US$ 6*ANG+1
X'S H>D 6*ANGE4 ,B = ^? ( Y :O MI<T 2 ON
! F;E :5 X -ES 6! IDEA ( "W+ 6LE>N "S?+
NEW1 ,I (F] ? ^W ( 5C\RAGE;T3 ,LIFE IS
M* L GO+ 6! GYM4 ,! MO/ PA9;L "P IS
DECID+ 6G4 ,ONCE Y GET PA/ T1 X'S EASY4
,"! H BE5 _M "DS ,I H DR1D$ GO+ 6! GYM1
B ONCE ,I AM "! & 9 MO;N1 X IS A
PL1SURE4 ,AF ! "W\T IS OV]1 ,I AM ALW
GLAD ,I TALK$ MYF 96GO+4
  ,IF Y >E UNWILL+ 6"W 6LE>N "S?+ NEW &
9SI/ ON1 9/1D1 2COM+ HI<LY SPECIALIZ$ )9
YR FIELD1 MAKE SURE ! -PANY Y "W = IS
UNIONIZ$4 ,LABOR UNIONS >E DESIGN$
6PROTECT SPECIALI/S4 ,MY $UCAT$ DAD1 AF
FALL+ F GRACE )! GOV]NOR1 2CAME ! H1D (!
T1*]S UNION 9 ,HAWAII4 ,HE TOLD ME T X 0
! H>DE/ JOB HE "E HELD4 ,MY RI* DAD1 ON
! O!R H&1 SP5T 8 LIFE DO+ 8 BE/ 6KEEP 8
-PANIES F 2COM+ UNIONIZ$4 ,HE 0
SU3ESS;L4 ,AL? ! UNIONS CAME CLOSE1 RI*
DAD 0 ALW A# 6FI<T !M (F4
  ,P]SON,Y1 ,I TAKE NO SIDES 2C ,I C SEE
! NE$ =&! B5EFITS ( BO? SIDES4 ,IF Y D Z
S*OOL RECOMM5DS1 2COME HI<LY SPECIALIZ$1
!N SEEK UNION PROTEC;N4 ,= EXAMPLE1 _H
,I 3T9U$ ON ) MY FLY+ C>E]1 ,I WD H S"\
A -PANY T _H A /R;G PILOTS UNION4 ,:Y8
,2C MY LIFE WD 2 D$ICAT$ 6LE>N A SKILL T
0 VALUA# 9 ONLY "O 9DU/RY4 ,IF ,I 7 PU%$
\ ( T 9DU/RY1 MY LIFE'S SKILLS WD N 2 Z
VALUA# 6ANO!R 9DU/RY4 ,A 4PLAC$ S5IOR
PILOT-) #AJJ1JJJ H\RS ( H1VY AIRL9E
TRANSPORT "T1 E>N+ 4#AEJ1JJJ A YE>-WD H
A H>D "T F9D+ AN EQUIVAL5T HI<-PAY+ JOB
9 S*OOL T1*+4 ,! SKILLS D N NECESS>ILY
TRANSF] F 9DU/RY 69DU/RY1 2C ! SKILLS !
PILOTS >E PD = 9 ! AIRL9E 9DU/RY >E N Z
IMPORTANT IN1 SAY1 ! S*OOL SY/EM4
  ,! SAME IS TRUE EV5 = DOCTORS TD4 ,)
ALL ! *ANGES 9 M$IC9E1 _M M$ICAL
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ORGANIZ,NS S* Z ,,HMO'S4 ,S*OOLT1*]S
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,AM]ICA1 ! T1*]S UNION IS ! L>GE/ &!
RI*E/ LABOR UNION ( ALL4 ,! ,,NEA1
,N,NAL ,$UC,N ,ASSOCI,N1 HAS TREM5D\S
POLITICAL CL\T4 ,T1*]S NE$ ! PROTEC;N (
_! UNION 2C _! SKILLS >E AL ( LIMIT$
VALUE 6AN 9DU/RY \TSIDE ( $UC,N4 ,S !
RULE ( ?UMB IS1 8,HI<LY SPECIALIZ$1 !N
UNIONIZE40 ,X'S ! SM>T ?+ 6D4
  ,:5 ,I ASK ! CLASSES ,I T1*1 8,H[ _M (
Y C COOK A BETT] HAMBURG] ?AN
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BETT] HAMBURG]1 H[ -E ,MC,DONALD'S MAKES
M M"OY ?AN Y80
  ,! ANSW] IS OBVI\S3 ,MC,DONALD'S IS
EXCELL5T AT BUSI;S SY/EMS4 ,! R1SON S _M
TAL5T$ P >E POOR IS 2C !Y FOCUS ON
BUILD+ A BETT] HAMBURG] & "K LL 6NO?+ AB
BUSI;S SY/EMS4
  ,A FR ( M9E 9 ,HAWAII IS A GRT >TI/4
,HE MAKES A SIZA# AM.T ( M"OY4 ,"O "D 8
"M'S ATTORNEY CALL$ 6TELL HM T %E _H
LEFT HM 4#CE1JJJ4 ,T IS :AT 0 LEFT ( H]
E/ATE AF ! ATTORNEY &! GOV]N;T TOOK _!
%>ES4 ,IMMLY1 HE SAW AN OPPORTUN;Y
69CR1SE 8 BUSI;S 0US+ "S ( ? M"OY
6ADV]TISE4 ,TWO MON?S LAT]1 8 F/ F\R-
COLOR1 FULL-PAGE AD APPE>$ 9 AN EXP5SIVE
MAGAZ9E T T>GET$ ! V RI*4 ,! AD RAN =
?REE MON?S4 ,HE RCVD NO REPLIES F ! AD1
& ALL ( 8 9H]IT.E IS N[ G"O4 ,HE N[
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B1UTI;L HAMBURG]1 B "KS LL AB BUSI;S4
,:5 ,I ASK$ HM :AT HE LE>N$1 8 ONLY
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CROOKS40 ,I !N ASK$ HM IF HE WD 2 WILL+
6TAKE A C\RSE 9 SALES &A C\RSE 9 DIRECT
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DON'T WANT 6WA/E MY M"OY40
  ,! _W IS FILL$ ) TAL5T$ POOR P4 ,ALL
TOO (T51 !Y'RE POOR OR /RU7LE F9ANCI,Y
OR E>N LESS ?AN !Y >E CAPA# (1 N 2C (
:AT !Y "K B 2C ( :AT !Y D N "K4 ,!Y
FOCUS ON P]FECT+ _! SKILLS AT BUILD+ A
BETT] HAMBURG] R ?AN ! SKILLS ( SELL+ &
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DOES N MAKE ! BE/ HAMBURG]1 B !Y >E !
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BURG]4
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VIEW ON H[ 6BE PD M4 ,EV5 AF 2+ TOLD 0!
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/ATE GOV]N;T1 MY $UCAT$ DAD 3T9U$
65C\RAGE ME 6GET SPECIALIZ$4 ,$UCAT$ DAD
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8GROOM+0 T P]SON 6"S"D TAKE OV] ! -PANY4
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"O DE"P;T2 !Y >E MOV$ F DE"P;T 6DE"P;T
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>E3

#A4 ,! MANAGE;T ( CA% FL[4
#B4 ,! MANAGE;T ( SY/EMS 79CLUD+ YRF &
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#C4 ,! MANAGE;T ( P4

  ,! MO/ IMPORTANT SPECIALIZ$ SKILLS >E
SALES & "U/&+ M>KET+4 ,X IS ! ABIL;Y
6SELL-"!=E1 6-MUNICATE 6ANO!R HUMAN 2+1
2 X A CU/OM]1 EMPLOYEE1 BOSS1 SP\SE OR
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IS -MUNIC,N SKILLS S* Z WRIT+1 SP1K+ &
NEGOTIAT+ T >E CRUCIAL 6A LIFE ( SU3ESS4
,X IS A SKILL T ,I "W ON 3/ANTLY1 ATT5D+
C\RSES OR BUY+ $UC,NAL TAPES 6EXP& MY K4
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SAL>Y W5T UP1 8 *OICES DIM9I%$4 ,SOON AF
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>E TOO OLD 6PLAY4 ,_! ONCE HI<-PAY+
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SPECIALTIES4
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HUNDR$S ( ?\S&S ( DOLL>S A YE>4 ,!Y E>N
T M* 2C !Y H SPECIALIZ$ SKILLS 9 _!
FIELD Z WELL Z O!R SKILLS4 ,!Y C T1* Z
WELL Z SELL & M>KET4 ,I "K ( NO O!R
SKILLS 6BE M IMPORTANT ?AN SELL+ Z WELL
Z M>KET+4 ,! SKILLS ( SELL+ & M>KET+ >E
DI6ICULT = MO/ P PRIM>ILY DUE 6_! FE> (
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WRIT] :O WANT$ 62COME A 8BE/-SELL+
AU?OR10 ,I ADVISE ANY"O ELSE TD4 ,2+
TE*NIC,Y SPECIALIZ$ HAS XS /R5G?S Z WELL
Z XS W1K;SES4 ,I H FRS :O >E G5IUSES1 B
!Y _C -MUNICATE E6ECTIVELY ) O!R HUMAN
2+S &1 Z A RESULT1 _! E>N+S >E PITI;L4
,I ADVISE !M 6J SP5D A YE> LE>N+ 6SELL4
,EV5 IF !Y E>N NO?+1 _! -MUNIC,N SKILLS
W IMPROVE4 ,& T IS PRICE.S4
  ,9 A4I;N 62+ GD LE>N]S1 SELL]S &
M>KET]S1 WE NE$ 6BE GD T1*]S Z WELL Z GD
/UD5TS4 ,6BE TRULY RI*1 WE NE$ 6BE A#
6GIVE Z WELL Z 6RCV4 ,9 CASES ( F9ANCIAL
OR PROFES.NAL /RU7LE1 "! IS (T5 A LACK (
GIV+ & RCVG4 ,I "K _M P :O >E POOR 2C !Y
>E NEI GD /UD5TS NOR GD T1*]S4
  ,BO? ( MY DADS 7 G5]\S M54 ,BO? MADE X
A PRACTICE 6GIVE F/4 ,T1*+ 0 "O ( _!
WAYS ( GIV+4 ,! M !Y GAVE1 ! M !Y RCVD4
,"O GL>+ DI6];E 0 9 ! GIV+ ( M"OY4 ,MY
RI* DAD GAVE LOTS ( M"OY AWAY4 ,HE GAVE
6HIS *UR*1 6*>ITIES1 6HIS F.D,N4 ,HE
KNEW T 6RCV M"OY1 Y _H 6GIVE M"OY4 ,GIV+
M"OY IS ! SECRET 6MO/ GRT W1L?Y
FAMILIES4 ,T IS :Y "! >E ORGANIZ,NS L !
,ROCKEFELL] ,F.D,N &! ,=D ,F.D,N4 ,^! >E
ORGANIZ,NS DESIGN$ 6TAKE _! W1L? &
9CR1SE X1 Z WELL Z GIVE X AWAY 9
P]PETU;Y4
  ,MY $UCAT$ DAD ALW SD1 8,:5 ,I H "S
EXTRA M"OY1 ,I'LL GIVE X40 ,! PRO#M WAS1
"! 0 N"E ANY EXTRA4 ,S HE "W$ H>D] 6DRAW
M M"OY 9 R ?AN FOCUS ON ! MO/ IMPORTANT
LAW ( M"OY3 8,GIVE & Y % RCV40 ,9/1D1 HE
2LIEV$ 9 8,RCV & !N Y GIVE40
  ,9 3CLU.N1 ,I 2CAME BO? DADS4 ,"O "P (
ME IS A H>D-CORE CAPITALI/ :O LOVES !
GAME ( M"OY MAK+ M"OY4 ,! O!R SIDE IS A
SOCI,Y RESPONSI# T1*] :O IS DEEPLY 3C]N$
) ? "E-WID5+ GAP 2T ! 8HAVES0 & 8H
NOTS40 ,I P]SON,Y HOLD ! >*AIC $UC,NAL
SY/EM PRIM>ILY RESPONSI# = ? GR[+ GAP4
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