,,*APT] ,,N9E
              ,GETT+ ,/>T$

  ,I WI% ,I CD SAY ACQUIR+ W1L? 0 EASY =
ME1 B X WASN'T4
  ,S 9 RESPONSE 6! "Q 8,H[ D ,I />T80 ,I
(F] ! ?"\ PROCESS ,I G "? ON A "D-BY-"D
BASIS4 ,X RE,Y IS EASY 6F9D GRT D1LS4 ,I
PROMISE Y T4 ,X'S J L RID+ A BIKE4 ,AF A
LL WO2L+1 X'S A PIECE ( CAKE4 ,B :5 X
-ES 6M"OY1 X'S ! DET]M9,N 6GET "? !
WO2L+ T'S A P]SONAL ?+4
  ,6F9D MILLION-DOLL> 8D1LS (A LIFE"T0
REQUIRES U 6CALL ON \R F9ANCIAL G5IUS4
,I 2LIEVE T EA* ( U HAS A F9ANCIAL G5IUS
)9 U4 ,! PRO#M IS1 \R F9ANCIAL G5IUS
LIES ASLEEP1 WAIT+ 6BE CALL$ ^U4 ,X LIES
ASLEEP 2C \R CULTURE HAS $UCAT$ U
962LIEV+ T ! LOVE ( M"OY IS ! ROOT ( ALL
EVIL4 ,X HAS 5C\RAG$ U 6LE>N A PROFES.N
S WE C "W = M"OY1 B FAIL$ 6T1* U H[ 6H
M"OY "W = U4 ,X TAU<T U N 6WORRY AB \R
F9ANCIAL FUTURE1 \R -PANY OR ! GOV]N;T
WD TAKE C>E ( U :5 \R "W+ "DS >E OV]4
,H["E1 X IS \R *N1 $UCAT$ 9 ! SAME S*OOL
SY/EM1 :O W 5D UP PAY+ = X4 ,! MESSAGE
IS / 6"W H>D1 E>N M"OY & SP5D X1 & :5 WE
RUN %ORT1 WE C ALW BORR[ M4
  ,UN=TUNATELY1 #IJ P]C5T (! ,WE/]N _W
SUBSCRIBES 6! ABV DOGMA1 SIMPLY 2C X'S
EASI] 6F9D A JOB & "W = M"OY4 ,IF Y >E N
"O (! MASSES1 ,I (F] Y ! FOLL[+ T5 /EPS
6AWAK5 YR F9ANCIAL G5IUS4 ,I SIMPLY (F]
Y ! /EPS ,I H P]SON,Y FOLL[$4 ,IF Y WANT
6FOLL[ "S ( !M1 GRT4 ,IF Y DON'T1 MAKE
UP YR [N4 ,YR F9ANCIAL G5IUS IS SM>T 5
6DEVELOP XS [N LI/4
  ,:ILE 9 ,P]U1 )A GOLD M9] ( #DE YE>S1
,I ASK$ HM H[ HE 0 S 3FID5T AB F9D+ A
GOLD M9E4 ,HE REPLI$1 ,8,"! IS GOLD
"EY":4 ,MO/ P >E N TRA9$ 6SEE X40
  ,& ,I WD SAY T IS TRUE4 ,9 R1L E/ATE1
,I C G \ & 9 A "D -E UP ) F\R OR FIVE
GRT POT5TIAL D1LS1 :ILE ! AV]AGE P]SON W
G \ & F9D NO?+4 ,EV5 LOOK+ 9 ! SAME
NEI<BORHOOD4 ,! R1SON IS !Y H N TAK5 !
"T 6DEVELOP _! F9ANCIAL G5IUS4
  ,I (F] Y ! FOLL[+ T5 /EPS Z A PROCESS
6DEVELOP YR ,GOD-GIV5 P[]S4 ,P[]S ONLY Y
H 3TROL OV]4

    #A.A ,,NE$ ,A ,,R1SON ,,GRT] ,,?AN
    ,,R1L;Y3 ,! P[] ( _S4
  ,IF Y ASK MO/ P IF !Y WD L 6BE RI* OR
F9ANCI,Y FREE1 !Y WD SAY 8YES40 ,B !N
R1L;Y SETS IN4 ,! ROAD SEEMS TOO L;G )
TOO _M HILLS 6CLIMB4 ,X'S EASI] 6J "W =
M"OY & H& ! EXCESS OV] 6YR BROK]4
  ,I ONCE MET A "Y WOMAN :O _H DR1MS (
SWIMM+ =! ,U4;,S ,OLYMPIC T1M4 ,! R1L;Y
WAS1 %E _H 6GET UP E MORN+ AT #D AM4
6SWIM = ?REE H\RS 2F GO+ 6S*OOL4 ,%E DID
N "PY ) H] FRS ON ,SATUR"D NI<T4 ,%E _H
6/UDY & KEEP H] GRADES UP1 J L "EY"O
ELSE4
  ,:5 ,I ASK$ H] :AT -PELL$ H] ) S*
SUP]-HUMAN AMBI;N & SACRIFICE1 %E SIMPLY
SD1 8,I D X = MYF &! P ,I LOVE4 ,X'S
LOVE T GETS ME OV] ! HURDLES &
SACRIFICES40
  ,A R1SON OR A PURPOSE IS A -B9,N (
,8WANTS0 & 8DON'T WANTS40 ,:5 P ASK ME
:AT MY R1SON = WANT+ 6BE RI* IS1 X IS A
-B9,N ( DEEP EMO;NAL 8WANTS0 & 8DON'T
WANTS40
  ,I W LI/ A FEW4 ,F/ ! 8DON'T WANTS10 =
!Y CR1TE ! 8WANTS40 ,I DON'T WANT 6"W
ALL MY LIFE4 ,I DON'T WANT :AT MY P>5TS
ASPIR$ =1 : 0 JOB SECUR;Y &A H\SE 9 !
SUBURBS4 ,I DON'T L 2+ AN EMPLOYEE4 ,I
HAT$ T MY DAD ALW MISS$ MY FOOTBALL
GAMES 2C HE 0 S BUSY "W+ ON 8 C>E]4 ,I
HAT$ X :5 MY DAD "W$ H>D ALL 8 LIFE &!
GOV]N;T TOOK MO/ ( :AT HE "W$ = AT 8
D1?4 ,HE CD N EV5 PASS ON :AT HE "W$ S
H>D = :5 HE DI$4 ,! RI* DON'T D T4 ,!Y
"W H>D & PASS X ON 6_! *N4
  ,N[ ! WANTS4 ,I WANT 6BE FREE 6TRAVEL
! _W & LIVE 9 ! LIFE/YLE ,I LOVE4 ,I
WANT 6BE "Y :5 ,I D ?4 ,I WANT 6SIMPLY 2
FREE4 ,I WANT 3TROL OV] MY "T & MY LIFE4
,I WANT M"OY 6"W = ME4
  ,^? >E MY DEEP-S1T$1 EMO;NAL R1SONS4
,:AT >E YRS8 ,IF !Y >E N /R;G 5\<1 !N !
R1L;Y (! ROAD AH1D MAY 2 GRT] ?AN YR
R1SONS4 ,I H LO/ M"OY & BE5 SET BACK _M
"TS1 B X 0 ! DEEP EMO;NAL R1SONS T KEPT
ME /&+ UP & GO+ =W>D4 ,I WANT$ 6BE FREE
0AGE #DJ1 B X TOOK ME UNTIL ,I 0 #DG )
_M LE>N+ EXP]I;ES AL;G ! WAY4
  ,Z ,I SD1 ,I WI% ,I CD SAY X 0 EASY4
,X WASN'T1 B X WASN'T H>D EI4 ,B )\T A
/R;G R1SON OR PURPOSE1 ANY?+ 9 LIFE IS
H>D4

,,IF ,,Y ,,D ,,N ,,H ,A ,,/R;G ,,R1SON1
  ,,"! ,,IS ,,NO ,,S5SE ,,R1D+
,,FUR!R4 ,,X ,,W ,,S.D ,,L ,,TOO ,,M*
  ,,"W4

    #B4 ,I ,,*OOSE ,,DAILY3 ,! P[] (
    *OICE4
  ,T IS ! MA9 R1SON P WANT 6LIVE 9 A
FREE C.TRY4 ,WE WANT ! P[] 6*OOSE4
  ,F9ANCI,Y1 ) E DOLL> WE GET 9 \R H&S1
WE HOLD ! P[] TO *OOSE \R FUTURE 6BE
RI*1 POOR OR MI4LE CLASS4 ,\R SP5D+
HABITS REFLECT :O WE >E4 ,POOR P SIMPLY
H POOR SP5D+ HABITS4
  ,! B5EFIT ,I _H Z A BOY 0 T ,I LOV$
PLAY+ ,MONOPOLY 3/ANTLY4 ,NOBODY TOLD ME
,MONOPOLY 0 ONLY = KIDS1 S ,I J KEPT
PLAY+ ! GAME Z AN ADULT4 ,I AL _H A RI*
DAD :O PO9T$ \ 6ME ! DI6];E 2T AN ASSET
&A LIABIL;Y4 ,S A L;G "T AGO1 Z A LL
BOY1 ,I *OSE 6BE RI*1 & ,I KNEW T ALL ,I
_H 6D 0 ,LE>N 6ACQUIRE ASSETS1 R1L
ASSETS4 ,MY BE/ FR1 ,MIKE1 _H AN ASSET
COLUMN H&$ 6HM1 B HE / _H 6*OOSE 6LE>N
6KEEP X4 ,_M RI* FAMILIES LOSE _! ASSETS
9 ! NEXT G5],N SIMPLY 2C "! 0 NO "O
TRA9$ 6BE A GD /EW>D OV] _! ASSETS4
  ,MO/ P *OOSE N 6BE RI*4 ,= #IJ P]C5T (
! POPUL,N1 2+ RI* IS 8TOO M* (A HASSLE40
,S !Y 9V5T SAY+S T G1 8,I'M N 9T]E/$ 9
M"OY0 ,OR 8,I'LL N"E 2 RI*40 ,OR 8,I
DON'T H 6WORRY1 ,I'M / "Y40 ,OR 8,:5 ,I
MAKE "S M"OY1 !N ,,I'LL ?9K AB MY
FUTURE40 ,OR 8,MY HUSB&/WIFE H&LES !
F9.ES40 ,! PRO#M ) ^? /ATE;TS IS !Y ROB
! P]SON :O *OOSES 6?9K S* ?"\S ( TWO
?+S3 "O IS "T1 : IS YR MO/ PRECI\S
ASSET1 & TWO IS LE>N+4 ,J 2C Y H NO
M"OY1 X %D N 2 AN EXCUSE 6N LE>N4 ,B T
IS A *OICE WE ALL MAKE DAILY1 ! *OICE (
:AT WE D ) \R "T1 \R M"OY & :AT WE PUT 9
\R H1DS4 ,T IS ! P[] ( *OICE4 ,ALL ( U H
*OICE4 ,I J *OOSE 6BE RI*1 & ,I MAKE T
*OICE E "D4
  ,,9VE/ ,,F/ ,,9 ,,$UC,N3 ,9 R1L;Y1 !
ONLY R1L ASSET Y H IS YR M9D1 ! MO/
P[];L TOOL WE H DOM9ION OV]4 ,J Z ,I SD
AB ! P[] ( *OICE1 EA* ( U HAS ! *OICE (
:AT WE PUT 9 \R BRA9 ONCE WE'RE OLD 5\<4
,Y C WAT* ,,MTV ALL "D1 OR R1D GOLF
MAGAZ9ES1 OR G 6C]AMICS CLASS OR A CLASS
ON F9ANCIAL PLANN+4 ,Y *OOSE4 ,MO/ P
SIMPLY BUY 9VE/;TS R ?AN F/ 9VE/ 9 LE>N+
AB 9VE/+4
  ,A FR ( M9E1 :O IS A RI* WOMAN1
REC5TLY _H H] A"P;T BURGL>IZ$4 ,! ?IEVES
TOOK H] ,,TV & ,,VCR & LEFT ALL ! BOOKS
%E R1DS4 ,& WE ALL H T *OICE4 ,AG1 #IJ
P]C5T (! POPUL,N BUYS ,,TV SETS & ONLY
AB #AJ P]C5T BUY BOOKS ON BUSI;S OR
TAPES ON 9VE/;TS4
  ,S :AT D ,I D8 ,I G 6SEM9>S4 ,I L X :5
!Y >E AT L1/ TWO "DS L;G 2C ,I L 6IMM]SE
MYF 9 A SUBJECT4 ,9 #AIGC1 ,I 0 WAT*+
,,TV & ? GUY CAME ON ADV]TIS+ A ?REE-"D
SEM9> ON H[ 6BUY R1L E/ATE = NO?+ D[N4
,I SP5T 4#CHE & T C\RSE HAS MADE ME AT
L1/ 4#B MILLION1 IF N M4 ,B M
IMPORTANTLY1 X B"\ ME LIFE4 ,I DON'T H
6"W =! RE/ ( MY LIFE 2C ( T "O C\RSE4 ,I
G 6AT L1/ TWO S* C\RSES E YE>4
  ,I LOVE AUDIO TAPES4 ,! R1SON3 ,I C
REW9D QKLY4 ,I 0 LI/5+ 6A TAPE 0,PET]
,LYN*1 & HE SD "S?+ ,I -PLETELY 4AGRE$
)4 ,9/1D ( 2COM+ >ROGANT & CRITICAL1 ,I
SIMPLY PU%$ 8REW9D0 & ,I LI/5$ 6T FIVE-
M9UTE /RET* ( TAPE AT L1/ TW5TY "TS4
,POSSIBLY M4 ,B SU45LY1 0KEEP+ MY M9D
OP51 ,I "U/OOD :Y HE SD :AT HE SD4 ,X 0
L MAGIC4 ,I FELT L ,I _H A W9D[ 96! M9D
( "O (! GRTE/ 9VE/ORS ( \R "T4 ,I GA9$
TREM5D\S DEP? & 9SI<T 96! VA/ RES\RCES (
8 $UC,N & EXP]I;E4
  ,! NET RESULT3 ,I / H ! OLD WAY ,I US$
6?9K1 & ,I H ,PET]'S WAY ( LOOK+ AT !
SAME PRO#M OR SITU,N4 ,I H TWO ?"\S 9/1D
( "O4 ,"O M WAY 6ANALYZE A PRO#M OR
TR5D1 & T IS PRICE.S4 ,TD1 ,I (T5 SAY1
8,H[ WD ,PET] ,LYN* D ?1 OR ,DONALD
,TRUMP OR ,W>R5 ,BU6ET OR ,GEORGE
,SOROS40 ,! ONLY WAY ,I C A3ESS _! VA/
M5TAL P[] IS 6BE HUM# 5 6R1D OR LI/5
6:AT !Y H 6SAY4 ,>ROGANT OR CRITICAL P
>E (T5 P ) L[ SELF-E/EEM :O >E AFRAID (
TAK+ RISKS4 ,Y SEE1 IF Y LE>N "S?+ NEW1
Y >E !N REQUIR$ 6MAKE MISTAKES 9 ORD]
6FULLY "U/& :AT Y H LE>N$1
  ,IF Y H R1D ? F>1 >ROG.E IS N "O ( YR
PRO#MS4 ,>ROGANT P R>ELY R1D OR BUY
TAPES4 ,:Y %D !Y8 ,!Y >E ! C5T] (!
UNIV]SE4
  ,"! >E S _M 89TELLIG5T0 P :O >GUE OR
DEF5D :5 A NEW IDEA CLA%ES )! WAY !Y
?9K4 ,9 ? CASE1 _! S-CALL$ 89TELLIG;E0
-B9$ ) 8>ROG.E0 EQUALS 8IGNOR.E04 ,EA* (
U "KS P :O >E HI<LY $UCAT$1 OR 2LIEVE !Y
>E SM>T1 B _! BAL.E %EET PA9TS A DI6]5T
PICTURE4 ,A TRULY 9TELLIG5T P]SON
WELCOMES NEW ID1S1 = NEW ID1S C ADD 6!
SYN]GY ( O!R A3UMULAT$ ID1S4 ,LI/5+ IS M
IMPORTANT ?AN TALK+4 ,IF T 0 N TRUE1
,GOD WD N H GIV5 U TWO E>S & ONLY "O
M\?4 ,TOO _M P ?9K ) _! M\? 9/1D ( LI/5+
6ABSORB NEW ID1S & POSSIBILITIES4 ,!Y
>GUE 9/1D ( ASK+ "QS4
  ,I TAKE A L;G VIEW ON MY W1L?4 ,I D N
SUBSCRIBE 6! 8,GET RI* QK0 M5TAL;Y MO/
LOTT]Y PLAY]S OR CAS9O GAM#RS H4 ,I MAY
G 9 & \ ( /OCKS1 B ,I AM L;G ON $UC,N4
,IF Y WANT 6FLY AN AIRPLANE1 ,I ADVISE
TAK+ LESSONS F/4 ,I AM ALW %OCK$ AT P :O
BUY /OCKS OR R1L E/ATE1 B N"E 9VE/ 9 _!
GRTE/ ASSET1 _! M9D4 ,J 2C Y B"\ A H\SE
OR TWO DOES N MAKE Y AN EXP]T AT R1L
E/ATE4

    #C4 ,,*OOSE ,,FRS ,,C>E;LLY3 ,! P[]
    ( ASSOCI,N4
  ,F/ ( ALL1 ,I D N *OOSE MY FRS 0_!
F9ANCIAL /ATE;TS4 ,I H FRS :O H ACTU,Y
TAK5 ! V[ ( POV]TY Z WELL Z FRS :O E>N
MILLIONS E YE>4 ,! PO9T IS ,I LE>N F ALL
( !M1 & ,I 3SCI\SLY MAKE ! EF=T 6LE>N F
!M4
  ,N[ ,I W ADMIT T "! >E P ,I H ACTU,Y
S"\ \ 2C !Y _H M"OY4 ,B ,I 0 N AF _!
M"OY2 ,I 0 SEEK+ _! K4 ,9 "S CASES1 ^! P
:O _H M"OY H 2COME DE> FRS1 B N ALL4
  ,B "! IS "O 4T9C;N T ,I WD L 6PO9T \4
,I'VE NOTIC$ T MY FRS ) M"OY TALK AB
M"OY4 ,& ,I D N M1N BRAG4 ,!Y'RE 9T]E/$
9 ! SUBJECT4 ,S ,I LE>N F !M1 & !Y LE>N
F ME4 ,MY FRS1 :OM ,I "K >E 9 DIRE
/RAITS F9ANCI,Y1 D N L TALK+ AB M"OY1
BUSI;S OR 9VE/+4 ,!Y (T5 ?9K X RUDE OR
UN9TELLECTUAL4 ,S ,I AL LE>N F MY FRS :O
/RU7LE F9ANCI,Y4 ,I F9D \ :AT N 6D4
  ,I H S"EAL FRS :O H G5]AT$ OV] A
BILLION DOLL>S 9 _! %ORT LIFE"TS4 ,!
?REE ( !M REPORT ! SAME PH5OM5ON3 ,_!
FRS :O H NO M"OY H N"E -E 6!M 6ASK !M H[
!Y DID X4 ,B !Y D -E ASK+ = "O ( TWO
?+S1 OR BO?3 #A4 A LOAN1 OR #B4 A JOB4
  ,A ,,W>N+3 ,DON'T LI/5 6POOR OR F"R5$
P4 ,I H S* FRS1 & ,I LOVE !M DE>LY1 B !Y
>E ! 8,*ICK5 ,LLS0 ( LIFE4 ,:5 X -ES
6M"OY1 ESPECI,Y 9VE/;TS1 8,! SKY IS ALW
FALL+40 ,!Y C ALW TELL Y :Y "S?+ WON'T
"W4 ,! PRO#M IS1 P LI/5 6!M1 B P :O BLLY
A3EPT DOOM-&-GLOOM 9=M,N >E AL 8,*ICK5
,LLS40 ,Z T OLD SAY+ GOES1 8,*ICK5S (A
F1!R AGREE TGR40
  ,IF Y WAT* ,,CNBC1 : IS A GOIDM9E (
9VE/;T 9=M,N1 !Y (T5 H A PANEL ( S-CALL$
8EXP]TS40 ,"O EXP]T W SAY ! M>KET IS GO+
6CRA%1 &! O!R W SAY X'S GO+ 6BOOM4 ,IF
Y'RE SM>T1 Y LI/5 6BO?4 ,KEEP YR M9D OP5
2C BO? H VALID PO9TS4 ,UN=TUNATELY1 MO/
POOR P LI/5 TO 8,*ICK5 ,LL40
  ,I H _H M CLOSE FRS TRY 6TALK ME \ (A
D1L OR AN 9VE/;T4 ,A FEW YE>S AGO1 A FR
TOLD ME HE 0 EXCIT$ 2C HE F.D A #F P]C5T
C]TIFICATE ( DEPOSIT4 ,I TOLD HM ,I E>N
#AF P]C5T F ! /ATE GOV]N;T4 ,! NEXT "D
HE S5T ME AN >TICLE AB :Y MY 9VE/;T 0
DANG]\S4 ,I H RCVD #AF P]C5T = YE>S N[1
& HE / RCVS #F P]C5T4
  ,I WD SAY T "O (! H>DE/ ?+S AB W1L?
BUILD+ IS 6BE TRUE 6YRF & 2 WILL+ 6N G
AL;G )! CR[D4 ,= 9 ! M>KET1 X IS USU,Y !
CR[D T %[S UP LATE & IS SLAU<T]$4 ,IF A
GRT D1L IS ON ! FRONT PAGE1 X'S TOO LATE
9 MO/ 9/.ES1 ,LOOK =A NEW D1L4 ,Z WE US$
6SAY Z SURF]S3 8,"! IS ALW ANO!R WAVE40
,P :O HURRY & CAT* A WAVE LATE USU,Y >E
! "OS :O WIPE \4
  ,SM>T 9VE/ORS DON'T "T M>KETS1 ,IF !Y
MISS A WAVE1 !Y SE>* =! NEXT "O & GET
!MVS 9 POSI;N4 ,:Y ? IS H>D = MO/
9VE/ORS IS 2C BUY+ :AT IS N POPUL> IS
F"R5+ 6!M4 ,TIMID 9VE/ORS >E L %EEP GO+
AL;G )! CR[D4 ,OR _! GRE$ GETS !M 9 :5
WISE 9VE/ORS H ALR TAK5 _! PR(ITS & MOV$
ON4 ,WISE 9VE/ORS BUY AN 9VE/;T :5 X'S N
POPUL>4 ,!Y "K _! PR(ITS >E MADE :5 !Y
BUY1 N :5 !Y SELL4 ,!Y WAIT PATI5TLY4 ,Z
,I SD1 !Y D N "T ! M>KET4 ,J L A SURF]1
!Y GET 9 POSI;N =! NEXT BIG SWELL4
  ,X'S ALL 89SID] TRAD+40 ,"! >E =MS (
9SID] TRAD+ T >E ILLEGAL1 & "! >E =MS (
9SID] TRAD+ T >E LEGAL4 ,B EI WAY1 X'S
9SID] TRAD+4 ,! ONLY 4T9C;N IS H[ F>
AWAY F ! 9SIDE >E Y8 ,! R1SON Y WANT 6H
RI* FRS :O >E CLOSE 6! 9SIDE IS 2C T IS
": ! M"OY IS MADE4 ,X'S MADE ON 9=M,N4
,Y WANT 6HE> AB ! NEXT BOOM1 GET 9 & GET
\ 2F ! NEXT BU/4 ,I'M N SAY+ D X
ILLEG,Y1 B ! SOON] Y "K1 ! BETT] YR *.ES
>E = PR(ITS ) M9IMAL RISK4 ,T IS :AT FRS
>E =4 ,& T IS F9ANCIAL 9TELLIG;E4

    #D4 ,,MA/] ,A ,=MULA ,,& ,,!N ,,LE>N
    ,A ,,NEW ,,"O3 ,! P[] ( LE>N+ QKLY4
  ,9 ORD] 6MAKE BR1D1 E BAK] FOLL[S A
RECIPE1 EV5 IF X'S ONLY HELD 9 _! H1D4
,! SAME IS TRUE = MAK+ M"OY4

    ,T'S :Y M"OY IS (T5 CALL$ 8D\<40

  ,MO/ ( U H HE>D ! SAY+ 8,Y >E :AT Y
EAT40 ,I H A DI6]5T SLANT ON ! SAME
SAY+4 ,I SAY1 8,Y 2COME :AT Y /UDY40 ,9
O!R ^WS1 2 C>E;L :AT Y /UDY & LE>N1 2C
YR M9D IS S P[];L T Y 2COME :AT Y PUT 9
YR H1D4 ,= EXAMPLE1 IF Y /UDY COOK+1 Y
!N T5D 6COOK4 ,Y 2COME A COOK4 ,IF Y
DON'T WANT 6BE A COOK ANYMORE1 !N Y NE$
6/UDY "S?+ ELSE4 ,LET'S SAY1 A
S*OOLT1*]4 ,AF /UDY+ T1*+1 Y (T5 2COME A
T1*]4 ,& S ON4 ,*OOSE :AT Y /UDY
C>E;LLY4
  ,:5 X -ES 6M"OY1 ! MASSES G5],Y H "O
BASIC =MULA !Y S*OOL4 ,& T IS1 "W =
M"OY4 ,! =MULA #A SEE T IS 9 ! _W IS T E
"D MILLIONS ( P GET UP & G 6"W1 E>N
M"OY1 PAY BILLS1 BAL.E *ECKBOOKS1 BUY "S
MUTUAL FUNDS & G BACK 6"W4 ,T IS ! BASIC
=MULA1 OR RECIPE4
  ,IF Y'RE TIR$ ( :AT Y'RE DO+1 OR Y'RE
N MAK+ 5\<1 X'S SIMPLY A CASE ( *ANG+ !
=MULA VIA : Y MAKE M"OY4
  ,YE>S AGO1 :5 ,I 0 #BF1 ,I TOOK A
WEEK5D CLASS CALL$ 8,H[ 6,BUY ,R1L
,E/ATE ,=ECLOSURES40 ,I LE>N$ A =MULA4
,! NEXT TRICK 0 6H ! 4CIPL9E 6ACTU,Y PUT
96AC;N :AT ,I _H LE>N$4 ,T IS ": MO/ P
/OP4 ,= ?REE YE>S1 :ILE "W+ = ,X]OX1 ,I
SP5T MY SP>E "T LE>N+ 6MA/] ! >T ( BUY+
=ECLOSURES4 ,I'VE MADE S"EAL MILLION
DOLL>S US+ T =MULA1 B TD1 X'S TOO SL[ &
TOO _M O!R P >E DO+ X4
  ,S AF ,I MA/]$ T =MULA1 ,I W5T 9 SE>*
( O!R =MULAS4 ,= _M (! CLASSES1 ,I DID N
USE ! 9=M,N ,I LE>N$ DIRECTLY1 B ,I ALW
LE>N$ "S?+ NEW4
  ,I H ATT5D$ CLASSES DESIGN$ = ONLY
DERIVATIVE TRAD]S1 AL A CLASS = -MOD;Y
OP;N TRAD]S &A CLASS = ,*AOLOGI/S4 ,I 0
WAY \ ( MY L1GUE1 2+ 9 A ROOM FULL ( P )
DOCTORATES 9 NUCLE> PHYSICS & SPACE
SCI;E4 ,YET1 ,I LE>N$ A LOT T MADE MY
/OCK & R1L E/ATE 9VE/+ M M1N+;L &
LUCRATIVE4
  ,MO/ JUNIOR COLLEGES & -MUN;Y COLLEGES
H CLASSES ON F9ANCIAL PLANN+ & BUY+ (
TRADI;NAL 9VE/;TS4 ,!Y >E GRT PLACES
6/>T4
  ,S ,I ALW SE>* =A FA/] =MULA4 ,T IS
:Y1 ON A FAIRLY REGUL> BASIS1 ,I MAKE M
9 A "D ?AN _M P W MAKE 9 _! LIFE"T4
  ,ANO!R SIDE NOTE4 ,9 TD'S FA/-*ANG+
_W1 X'S N S M* :AT Y "K ANYMORE T C.TS1
2C (T5 :AT Y "K IS OLD4 ,X IS H[ FA/ Y
LE>N4 ,T SKILL IS PRICE.S4 ,X'S PRICE.S
9 F9D+ FA/] =MULAS-RECIPES1 IF Y W1 =
MAK+ D\<4 ,"W+ H>D = M"OY IS AN OLD
=MULA BORN 9 ! "D ( CAVE M54

    #E4 ,,PAY ,,YRF ,,F/3 ,! P[] ( SELF-
    4CIPL9E4
  ,IF Y _C GET 3TROL ( YRF1 D N TRY 6GET
RI*4 ,Y MI<T F/ WANT 6JO9 ! ,M>9E ,CORPS
OR "S RELIGI\S ORD] S Y C GET 3TROL (
YRF4 ,X MAKES NO S5SE 69VE/1 MAKE M"OY &
BL[ X4 ,X IS ! LACK ( SELF-4CIPL9E T
CAUSES MO/ LOTT]Y W9N]S 6G BROKE SOON AF
W9N+ MILLIONS4 ,X IS ! LACK ( SELF-
4CIPL9E T CAUSES P :O GET A RAISE 6IMMLY
G \ & BUY A NEW C> OR TAKE A CRUISE4
  ,X IS DI6ICULT 6SAY : (! T5 /EPS IS !
MO/ IMPORTANT4 ,B ( ALL ! /EPS1 ? /EP IS
PROBABLY ! MO/ DI6ICULT 6MA/] IF X IS N
ALR A "P ( YR MAKEUP4 ,I WD V5TURE 6SAY
T X IS ! LACK ( P]SONAL SELF-4CIPL9E T
IS ! ,NO4 #A DEL91T+ FACTOR 2T ! RI*1 !
POOR &! MI4LE CLASS4
  ,SIMPLY PUT1 P :O H L[ SELF-E/EEM & L[
TOL].E = F9ANCIAL PRESSURE C N"E1 & ,I
M1N N"E1 2 RI*4 ,Z ,I H SD1 A LESSON
LE>N$ F MY RI* DAD 0 T 8! _W W PU% Y
>.D40 ,! _W PU%ES P >.D N 2C O!R P >E
BULLIES1 B 2C ! 9DIVIDUAL LACKS 9T]NAL
3TROL & 4CIPL9E4 ,P :O LACK 9T]NAL
=TITUDE (T5 2COME VICTIMS ( ^? :O H
SELF-4CIPL9E4
  ,9 ! 5TREPR5EUR CLASSES ,I T1*1 ,I
3/ANTLY REM9D P 6N FOCUS ON _! PRODUCT1
S]VICE OR WIDGET1 B 6FOCUS ON DEVELOP+
MANAGE;T SKILLS4 ,! ?REE MO/ IMPORTANT
MANAGE;T SKILLS NEC 6/>T YR [N BUSI;S
>E3

#A4 ,MANAGE;T ( CA% FL[4
#B4 ,MANAGE;T ( P4
#C4 ,MANAGE;T ( P]SONAL "T4

  ,I WD SAY1 ! SKILLS 6MANAGE ^! ?REE
APPLY 6ANY?+1 N J 5TREPR5EURS4 ,! ?REE
MATT] 9 ! WAY Y LIVE YR LIFE Z AN
9DIVIDUAL1 OR Z "P (A FAMILY1 A BUSI;S1
A *>ITA# ORGANIZ,N1 A C;Y OR A N,N4
  ,EA* ( ^! SKILLS IS 5H.ED 0! MA/]Y (
SELF 4CIPL9E4 ,I D N TAKE ! SAY+ 8PAY
YRF F/0 LI<TLY4
  ,! ,RI*E/ ,MAN 9 ,BABYLON1 0,GEORGE
,GLASS51 IS ": ! /ATE;T 8PAY YRF F/0 -ES
F4 ,MILLIONS ( COPIES H BE5 SOLD4 ,B
:ILE MILLIONS ( P FREELY REP1T T P[];L
/ATE;T1 FEW FOLL[ ! ADVICE4 ,Z ,I SD1
F9ANCIAL LIT]ACY ALL[S "O 6R1D NUMB]S1 &
NUMB]S TELL ! /ORY4 ,0LOOK+ AT A P]SON'S
9COME /ATE;T & BAL.E %EET1 ,I C R1DILY
SEE IF P :O SP\T ! ^WS 8PAY YRF F/0
ACTU,Y PRACTICE :AT !Y PR1*4
  ,A PICTURE IS WOR? A ?\S& ^WS4 ,S
LET'S AG -P>E ! F9ANCIAL /ATE;TS ( P :O
PAY !MVS F/ AG/ "S"O :O DOESN'T4

     ,7,,SCANN]'S ,,NOTE3 ,,REMOV$
              ,,GRAPHIC7'

  ,/UDY ! DIAGRAMS & NOTICE IF Y C PICK
UP "S 4T9C;NS4 ,AG1 X HAS 6D ) "U/&+ CA%
FL[1 : TELLS ! /ORY4 ,MO/ P LOOK AT !
NUMB]S & MISS ! /ORY4 ,IF Y C TRULY 2G9
6"U/& ! P[] ( CA% FL[1 Y W SOON R1LIZE
:AT IS WR;G )! PICTURE ON ! NEXT PAGE1
OR :Y #IJ P]C5T ( MO/ P "W H>D ALL _!
LIVES & NE$ GOV]N;T SUPPORT L ,SOCIAL
,SECUR;Y :5 !Y >E NO L;G] A# 6"W4
  ,D Y SEE X8 ,! DIAGRAM ABV REFLECTS !
AC;NS ( AN 9DIVIDUAL :O *OOSES 6PAY HMF
F/4 ,EA* MON?1 !Y ALLOCATE M"OY 6_!
ASSET COLUMN 2F !Y PAY _! MON?LY
EXP5SES4 ,AL? MILLIONS ( P H R1D
,CLASS5'S BOOK & "U/& ! ^WS 8PAY YRF
F/10 9 R1L;Y !Y PAY !MVS LA/4
  ,N[ ,I C HE> ! H[LS F ^? ( Y :O
S9C]ELY 2LIEVE 9 PAY+ YR BILLS F/4 ,& ,I
C HE> ALL ! 8RESPONSI#0 P :O PAY _!
BILLS ON "T4 ,I AM N SAY+ 2 IRRESPONSI#
& N PAY YR BILLS4 ,ALL ,I AM SAY+ IS D
:AT ! BOOK SAYS1 : IS 8PAY YRF F/40 ,&!
DIAGRAM ON ! PREVI\S PAGE IS ! CORRECT
A3.T+ PICTURE ( T AC;N4 ,N ! "O 2L4

     ,7,,SCANN]'S ,,NOTE3 ,,DELET$
              ,,GRAPHIC7'

  ,MY WIFE & ,I H _H _M BOOKKEEP]S &
A3.TANTS & BANK]S :O H _H A MAJOR PRO#M
) ? WAY ( LOOK+ AT 8PAY YRF F/40 ,!
R1SON IS T ^! F9ANCIAL PROFES.NALS
ACTU,Y D :AT ! MASSES D : IS PAY !MVS
LA/4 ,!Y PAY "EY"O ELSE F/4
  ,"! H BE5 MON?S 9 MY LIFE1 :5 = :AT"E
R1SON1 CA% FL[ 0 F> LESS ?AN MY BILLS4
,I / PD MYF F/4 ,MY A3.TANT & BOOKKEEP]
SCR1M$ 9 PANIC4 8,!Y'RE GO+ 6-E AF Y4 ,!
,,IRS IS GO+ 6PUT Y 9 JAIL40 8,Y'RE GO+
6RU9 YR CR$IT RAT+40 8,!Y'LL CUT (F !
ELECTRIC;Y40 ,I / PD MYF F/4
  8,:Y80 Y ASK4 ,2C T'S :AT ! /ORY ,!
,RI*E/ ,MAN ,9 ,BABYLON 0 ALL AB4 ,! P[]
( SELF-4CIPL9E &! P[] ( 9T]NAL =TITUDE4
8,GUTS10 9 LESS ELEGANT T]MS4 ,Z MY RI*
DAD TAU<T ME ! F/ MON? ,I "W$ = HM1 MO/
P ALL[ ! _W 6PU% !M >.D4 ,A BILL
COLLECTOR CALLS & Y 8PAY OR ELSE40 ,S Y
PAY & N PAY YRF4 ,A SALES CL]K SAYS1
8,OH1 J PUT X ON YR *>GE C>D40 ,YR R1L
E/ATE AG5T TELLS Y TO 8G AH1D- ! GOV]N;T
ALL[S Y A TAX DEDUC;N ON YR HOME40 ,T IS
:AT ! W ALW PU% Y >.D ANYWAY4
  ,IF Y D N L F9ANCIAL PRESSURE1 !N F9D
A =MULA T "WS = Y4 ,A GD "O IS 6CUT
EXP5SES1 PUT YR M"OY 9 ! BANK1 PAY M ?AN
YR FAIR %>E ( 9COME TAX1 BUY SAFE MUTUAL
FUNDS & TAKE ! V[ (! AV]AGE4 ,B ?
VIOLATES ! 8PAY YRF F/0 RULE4
  ,! RULE DOES N 5C\RAGE SELF-SACRIFICE
OR F9ANCIAL AB/9;E4 ,X DOESN'T M1N PAY
YRF F/ & />VE4 ,LIFE 0 M1NT 6BE 5JOY$4
,IF Y CALL ON YR F9ANCIAL G5IUS1 Y C H
ALL ! GDIES ( LIFE1 GET RI* & PAY BILLS1
)\T SACRIFIC+ ! GD LIFE4 ,& T IS
F9ANCIAL 9TELLIG;E4


    #F4 ,,PAY ,,YR ,,BROK]S ,,WELL3 ,!
    P[] ( GD ADVICE4
  ,I (T5 SEE P PO/+ A SIGN 9 FRONT ( _!
H\SE T SAYS1 8,= ,SALE 0,[N]40 ,OR ,I
SEE ON ,,TV TD _M P CLAIM+ 6BE ,8,8,4C.T
,BROK]S40
  ,MY RI* DAD TAU<T ME 6TAKE ! OPPOSITE
TACK4 ,HE 2LIEV$ 9 PAY+ PROFES.NALS
WELL1 & ,I H ADOPT$ T POLICY AL4 ,TD1 ,I
H EXP5SIVE ATTORNEYS1 A3.TANTS1 R1L
E/ATE BROK]S & /OCKBROK]S4 ,:Y8 ,2C IF &
,I D M1N IF1 ! P >E PROFES.NALS1 _!
S]VICES %D MAKE Y4 M"OY4 ,&! M M"OY !Y
MAKE1 ! M M"OY ,I MAKE4
  ,WE LIVE 9 ! ,9=M,N ,AGE4 ,9=M,N IS
PRICE.S4 ,A GD BROK] %D PROVIDE Y )
9=M,N Z WELL Z TAKE ! "T 6$UCATE Y4 ,I H
S"EAL BROK]S :O >E WILL+ 6D T = ME4 ,"S
TAU<T ME :5 ,I _H LL OR NO M"OY1 & ,I AM
/ ) !M TD4
  ,:AT ,I PAY A BROK] IS T9Y 9 -P>ISON )
:AT K9D ( M"OY ,I C MAKE 2C (! 9=M,N !Y
PROVIDE4 ,I LOVE X :5 MY R1L E/ATE BROK]
OR /OCKBROK] MAKES A LOT ( M"OY4 ,2C X
USU,Y M1NS ,I MADE A LOT ( M"OY4
  ,A GD BROK] SAVES ME "T 9 A4I;N 6MAK+
ME M"OY-Z :5 ,I B"\ ! PIECE ( VACANT L&
= 4#I1JJJ & SOLD X IMMLY = OV] 4#BE1JJJ1
S ,I CD BUY MY ,PORS*E QK]4
  ,A BROK] IS YR EYES & E>S 6! M>KET4
,!Y'RE "! E "D S ,I D N H 6BE4 ,I'D R
PLAY GOLF4
  ,AL1 P :O SELL _! H\SE ON _! [N M/ N
VALUE _! "T M*4 ,:Y WD ,I WANT 6SAVE A
FEW BUCKS :5 ,I CD USE T "T 6MAKE M M"OY
OR SP5D X ) ^? ,I LOVE8 ,:AT ,I F9D
FUNNY IS T S _M POOR & MI4LE-CLASS P
9SI/ ON TIPP+ RE/AURANT HELP #AE 6#BJ
P]C5T EV5 = BAD S]VICE & -PLA9 AB PAY+ A
BROK] #C 6#G P]C5T4 ,!Y 5JOY TIPP+ P 9 !
EXP5SE COLUMN & /IFF P 9 ! ASSET COLUMN4
,T IS N F9ANCI,Y 9TELLIG5T4
  ,ALL BROK]S >E N CR1T$ EQUAL4
,UN=TUNATELY1 MO/ BROK]S >E ONLY
SALESPEOPLE4 ,I WD SAY ! R1L E/ATE
SALESPEOPLE >E ! WOR/4 ,!Y SELL1 B !Y
!MVS [N LL OR NO R1L E/ATE4 ,"! IS A
TREM5D\S DI6];E 2T A BROK] :O SELLS
H\SES &A BROK] :O SELLS 9VE/;TS4 ,& T IS
TRUE = /OCK1 BOND1 MUTUAL-FUND & 9SUR.E
BROK]S :O CALL !MVS F9ANCIAL PLANN]S4 ,Z
9 ! FAIRY TALE1 Y KISS A LOT ( FROGS
6F9D "O PR9CE4 ,J REMEMB] ! OLD SAY+1
8,N"E ASK AN 5CYCLOP$IA SALESP]SON IF Y
NE$ AN 5CYCLOP$IA40
  ,:5 ,I 9T]VIEW ANY PD PROFES.NAL1 ,I
F/ F9D \ H[ M* PROP]TY OR /OCKS !Y
P]SON,Y [N & :AT P]C5TAGE !Y PAY 9
TAXES4 ,& T APPLIES 6MY TAX ATTORNEY Z
WELL Z MY A3.TANT4 ,I H AN A3.TANT :O
M9DS H] [N BUSI;S4 ,H] PROFES.N IS
A3.T+1 B H] BUSI;S IS R1L E/ATE4 ,I US$
6H AN A3.TANT T 0 A SMALL-BUSI;S
A3.TANT1 B HE _H NO R1L E/ATE4 ,I SWIT*$
2C WE DID N LOVE ! SAME BUSI;S4
  ,F9D A BROK] :O HAS YR BE/ 9T]E/S AT
HE>T4 ,_M BROK]S W SP5D ! "T $UCAT+ Y1 &
!Y CD 2 ! BE/ ASSET Y F9D4 ,J 2 FAIR1 &
MO/ ( !M W 2 FAIR 6Y4 ,IF ALL Y C ?9K AB
IS CUTT+ _! -MIS.NS1 !N :Y %D !Y WANT
6BE >.D Y8 ,X'S J SIMPLE LOGIC4
  ,Z ,I SD E>LI]1 "O (! MANAGE;T SKILLS
IS ! MANAGE;T ( P4 ,_M P ONLY MANAGE P
!Y FEEL SM>T] ?AN & !Y H P[] OV]1 S* Z
SUBORD9ATES 9 A "W SITU,N4 ,_M MI4LE
MANAG]S REMA9 MI4LE MANAG]S1 FAIL+ 6GET
PROMOT$ 2C !Y "K H[ 6"W ) P 2L !M1 B N )
P ABV !M4 ,! R1L SKILL IS 6MANAGE & PAY
WELL ! P :O >E SM>T] ?AN Y 9 "S TE*NICAL
>EA4 ,T IS :Y -PANIES H A BO>D (
DIRECTORS4 ,Y %D H "O1 TOO4 ,& T IS
F9ANCIAL 9TELLIG;E4

    #G4 ,,2 ,,AN 8,,9DIAN GIV]03 ,! P[]
    ( GETT+ "S?+ = NO?+4
  ,:5 ! F/ :ITE SETTL]S CAME 6,AM]ICA1
!Y 7 TAK5 ABACK 0A CULTURAL PRACTICE "S
,AM]ICAN ,9DIANS _H4 ,= EXAMPLE1 IF A
SETTL] 0 COLD1 ! ,9DIAN WD GIVE ! P]SON
A BLANKET4 ,MISTAK+ X =A GIFT1 ! SETTL]
0 (T5 (F5D$ :5 ! ,9DIAN ASK$ = X BACK4
  ,! ,9DIANS AL GOT UPSET :5 !Y R1LIZ$ !
SETTL]S DID N WANT 6GIVE X BACK4 ,T IS
": ! T]M 8,9DIAN GIV]0 CAME F4 ,A SIMPLE
CULTURAL MIS"U/&+4
  ,9 ! _W (! 8ASSET COLUMN10 2+ AN
,9DIAN GIV] IS VITAL 6W1L?4 ,!
SOPHI/ICAT$ 9VE/OR'S F/ "Q IS1 8,H[ FA/
D ,I GET MY M"OY BACK80 ,!Y AL WANT 6"K
:AT !Y GET = FREE1 AL CALL$ A PIECE (!
AC;N4 ,T IS :Y ! ,,ROI1 OR RETURN (& ON
9VE/;T1 IS S IMPORTANT4
  ,= EXAMPLE1 ,I F.D A SMALL 3DOM9IUM1 A
FEW BLOCKS F ": ,I LIVE1 T 0 9
=ECLOSURE4 ,! BANK WANT$ 4#FJ1JJJ1 & ,I
SUBMITT$ A BID = 4#EJ1JJJ1 : !Y TOOK1
SIMPLY 2C1 AL;G ) MY BID1 0 A CA%I]'S
*ECK = 4#EJ1JJJ4 ,!Y R1LIZ$ ,I 0 S]I\S4
,MO/ 9VE/ORS WD SAY1 >5'T Y TY+ UP A LOT
( CA%8 ,WD X N 2 BETT] 6GET A LOAN ON X8
,! ANSW] IS1 N 9 ? CASE4 ,MY 9VE/;T
-PANY USES ? Z A VAC,N R5TAL 9 ! W9T]
MON?S1 :5 ! 8SN[BIRDS0 -E 6,>IZONA1 &
R5T X = 4#B1EJJ A MON? = F\R MON?S \ (!
YE>4 ,= R5TAL DUR+ ! (F-S1SON1 X R5TS =
ONLY 4#A1JJJ A MON?4 ,I _H MY M"OY BACK
9 AB ?REE YE>S4 ,N[ ,I [N ? ASSET1 :
PUMPS M"OY \ = ME1 MON? 9 & MON? \4
  ,! SAME IS D"O ) /OCKS4 ,FREQU5TLY1 MY
BROK] W CALL ME & RECOMM5D ,I MOVE A
SIZA# AM.T ( M"OY 96! /OCK (A -PANY T HE
FEELS IS J AB 6MAKE A MOVE T W ADD VALUE
6! /OCK1 L ANN\NC+ A NEW PRODUCT4 ,I W
MOVE MY M"OY 9 =A WEEK 6A MON? :ILE !
/OCK MOVES UP4 ,!N1 ,I PULL MY 9ITIAL
DOLL> AM.T \1 & /OP WORRY+ AB !
FLUCTU,NS (! M>KET1 2C MY 9ITIAL M"OY IS
BACK & R1DY 6"W ON ANO!R ASSET4 ,S MY
M"OY GOES IN1 & !N X -ES \1 & ,I [N AN
ASSET T 0 TE*NIC,Y FREE4
  ,TRUE1 ,I H LO/ M"OY ON _M O3A.NS4 ,B
,I ONLY PLAY ) M"OY ,I C AF=D 6LOSE4 ,I
WD SAY1 ON AN AV]AGE T5 9VE/;TS1 ,I HIT
HOME RUNS ON TWO OR ?REE1 :ILE FIVE OR
SIX D NO?+1 & ,I LOSE ON TWO OR ?REE4 ,B
,I LIMIT MY LOSSES 6ONLY ! M"OY ,I H 9
AT T "T4
  ,= P :O HATE RISK1 !Y PUT _! M"OY 9 !
BANK4 ,& 9 ! L;G RUN1 SAV+S >E BETT] ?AN
NO SAV+S4 ,B X TAKES A L;G "T 6GET YR
M"OY BACK &1 9 MO/ 9/.ES1 Y DON'T GET
ANY?+ = FREE ) X4 ,!Y US$ 6H& \ TOA/]S1
B !Y R>ELY D T ^! "DS4
  ,ON E "O ( MY 9VE/;TS1 "! M/ 2 AN
UPSIDE1 "S?+ = FREE4 ,A 3DOM9IUM1 A M9I-
/ORAGE1 A PIECE ( FREE L&1 A H\SE1 /OCK
%>ES1 (FICE BUILD+4 ,& "! M/ 2 LIMIT$
RISK1 OR A L[-RISK IDEA4 ,"! >E BOOKS
DEVOT$ 5TIRELY 6? SUBJECT T ,I W N GET
96"H4 ,RAY ,KROC1 ( ,MC,DONALD'S FAME1
SOLD HAMBURG] FRAN*ISES1 N 2C HE LOV$
HAMBURG]S1 B 2C HE WANT$ ! R1L E/ATE "U
! FRAN*ISE = FREE4
  ,S WISE 9VE/ORS M/ LOOK AT M ?AN
,,ROI2 X'S ! ASSETS Y GET = FREE ONCE Y
GET YR M"OY BACK4 ,T IS F9ANCIAL
9TELLIG;E4

    #H4 ,,ASSETS ,,BUY ,,LUXURIES3 ,!
    P[] ( FOCUS4
  ,A FR'S * HAS BE5 DEVELOP+ A NA/Y
HABIT ( BURN+ A HOLE 9 8 POCKET4 ,J #AF1
HE NATUR,Y WANT$ 8 [N C>4 ,! EXCUSE1
8,ALL 8 FRS' P>5TS GAVE _! KIDS C>S40 ,!
* WANT$ 6G 96HIS SAV+S & USE X =A D[N
PAY;T4 ,T 0 :5 8 "F CALL$ ME4
  8,D Y ?9K ,I %D LET HM D X1 OR %D ,I J
D Z O!R P>5TS D & J BUY HM A C>80
  ,6: ,I ANSW]$4 8,X MI<T RELIEVE !
PRESSURE 9 ! %ORT T]M1 B :AT H Y TAU<T
HM 9 ! L;G T]M8 ,C Y USE ? DESIRE 6[N A
C> & 9SPIRE YR SON 6LE>N "S?+80 ,SU45LY
! LI<TS W5T ON1 & HE HURRI$ HOME4
  ,TWO MON?S LAT] ,I RAN 96MY FR AG4
8,DOES YR SON H 8 NEW C>80 ,I ASK$4
  8,NO1 HE DOESN'T4 ,B ,I W5T & H&$ HM
4#C1JJJ =! C>4 ,I TOLD HM 6USE MY M"OY
9/1D ( 8 COLLEGE M"OY40
  8,WELL1 T'S G5]\S ( Y10 ,I SD4
  8,N RE,Y4 ,! M"OY CAME )A HIT*4 ,I
TOOK YR ADVICE ( US+ 8 /R;G DESIRE 6BUY
A C> & USE T 5]GY S HE CD LE>N "S?+40
  8,S :AT 0 ! HIT*80 ,I ASK$4
  8,WELL1 F/ WE BROKE \ YR GAME AG1
,,CA%FL[ ,WE PLAY$ X & _H A L;G 4CUS.N
AB ! WISE USE ( M"OY4 ,I !N GAVE HM A
SUBSCRIP;N 6! ,WALL ,/REET ,J\RNAL1 &A
FEW BOOKS ON ! /OCK M>KET40
  8,!N :AT80 ,I ASK$4 8,:AT 0 ! CAT*80
  8,I TOLD HM ! 4#C1JJJ 0 HIS1 B HE CD N
DIRECTLY BUY A C> ) X4 ,HE CD USE X 6BUY
& SELL /OCKS1 F9D 8 [N /OCKBROK]1 & ONCE
HE _H MADE 4#F1JJJ )! 4#C1JJJ1 ! M"OY WD
2 8 =! C>1 &! 4#C1JJJ WD G 96HIS COLLEGE
FUND40
  8,& :AT >E ! RESULTS80 ,I ASK$4
  8,WELL1 HE GOT LUCKY E>LY 9 8 TRAD+1 B
LO/ ALL HE GA9$ A FEW "DS LAT]4 ,!N1 HE
RE,Y GOT 9T]E/$4 ,TD1 ,I WD SAY HE IS
D[N 4#B1JJJ1 B 8 9T]E/ IS UP4 ,HE HAS
R1D ALL ! BOOKS ,I B"\ HM & HE'S G"O 6!
LIBR>Y 6GET M4 ,HE R1DS ! ,WALL ,/REET
,J\RNAL VORACI\SLY1 WAT*+ = 9DICATORS1 &
HE WAT*ES ,,GNBC 9/1D ( ,,MTV4 ,HE'S GOT
ONLY 4#A1JJJ LEFT1 B 8 9T]E/ & LE>N+ >E
SKY HI<4 ,HE "KS T IF HE LOSES T M"OY1
HE WALKS = TWO M YE>S4 ,B HE DOES N SEEM
6C>E4 ,HE EV5 SEEMS UN9T]E/$ 9 GETT+ A
C> 2C HE'S F.D A GAME T IS M FUN40
  8,:AT HAPP5S IF HE LOSES ALL ! M"OY80
,I ASK$4
  8,WE'LL CROSS T BRIDGE :5 WE GET 6X4
,I'D R H HM LOSE "EY?+ N[ R ?AN WAIT
TILL HE'S \R AGE 6RISK LOS+ "EY?+4 ,&
2SS1 T IS ! BE/ 4#C1JJJ ,I'VE "E SP5T ON
8 $UC,N4 ,:AT HE IS LE>N+ W S]VE HM =
LIFE1 & HE SEEMS 6H GA9$ A NEW RESPECT =
! P[] ( M"OY4 ,I ?9K HE'S /OPP$ ! BURN+
( HOLES 9 8 POCKETS40
  ,Z ,I SD 9 ! SEC;N 8,PAY ,YRF ,F/10 IF
A P]SON _C MA/] ! P[] ( SELF-4CIPL9E1 X
IS BE/ N 6TRY 6GET RI*4 ,= :ILE !
PROCESS ( DEVELOP+ CA% FL[ F AN ASSET
COLUMN 9 !ORY IS EASY1 X IS ! M5TAL
=TITUDE ( DIRECT+ M"OY T IS H>D4 ,DUE
6EXT]NAL TEMPT,NS1 X IS M* EASI] 9 TD'S
3SUM] _W 6SIMPLY BL[ X \ ! EXP5SE
COLUMN4 ,2C ( W1K M5TAL =TITUDE1 T M"OY
FL[S 96! PA?S ( L1/ RESI/.E4 ,T IS !
CAUSE ( POV]TY & F9ANCIAL /RU7LE4
  ,I GAVE ? NUM]ICAL EXAMPLE ( F9ANCIAL
9TELLIG;E1 9 ? CASE ! ABIL;Y 6DIRECT
M"OY 6MAKE M M"OY4
  ,IF WE GAVE #AJJ P 4#AJ1JJJ AT ! />T (
! YE>1 ,I GAVE MY OP9ION T AT ! 5D (!
YE>3 #HJ WD H NO?+ LEFT4 ,9 FACT1 _M WD
H CR1T$ GRT] DEBT 0MAK+ A D[N PAY;T ON A
NEW C>1 REFRIG]ATOR1 ,,TV1 ,,VCR OR A
HOLI"D1 #AF WD H 9CR1S$ T 4#AJ1JJJ 0#E
P]C5T 6#AJ P]C5T4 #D WD H 9CR1S$ X
64#BJ1JJJ OR 96! MILLIONS4
  ,WE G 6S*OOL 6LE>N A PROFES.N S WE C
"W = M"OY4 ,X IS MY OP9ION T X IS AL
IMPORTANT 6LE>N H[ 6H M"OY "W = Y4
  ,I LOVE MY LUXURIES Z M* Z ANY"O ELSE4
,! DI6];E IS1 S ME P BUY _! LUXURIES ON
CR$IT4 ,X'S ! KEEP-UP-)-!-,J"OSES TRAP4
,:5 ,I WANT$ 6BUY A ,PORS*E1 ! EASY ROAD
WD H BE5 6CALL MY BANK] & GET A LOAN4
,9/1D ( *OOS+ 6FOCUS 9 ! LIABIL;Y
COLUMN1 ,I *OSE 6FOCUS 9 ! ASSET COLUMN4
  ,Z A HABIT1 ,I US$ MY DESIRE 63SUME
69SPIRE & MOTIVATE MY F9ANCIAL G5IUS
69VE/4
  ,TOO (T5 TD1 WE FOCUS 6BORR[+ M"OY
6GET ! ?+S WE WANT 9/1D ( FOCUS+ ON
CR1T+ M"OY4 ,"O IS EASI] 9 ! %ORT T]M1 B
H>D] 9 ! L;G T]M4 ,X'S A BAD HABIT T WE
Z 9DIVIDUALS & Z A N,N H GOTT5 9TO4
,REMEMB]1 ! EASY ROAD (T5 2COMES H>D1 &!
H>D ROAD (T5 2COMES EASY4
  ,! E>LI] Y C TRA9 YRF & ^? Y LOVE 6BE
MA/]S ( M"OY1 ! BETT]4 ,M"OY IS A P[];L
=CE4 ,UN=TUNATELY1 P USE ! P[] ( M"OY
AG/ !M4 ,IF YR F9ANCIAL 9TELLIG;E IS L[1
M"OY W RUN ALL OV] Y4 ,X W 2 SM>T] ?AN
Y4 ,IF M"OY IS SM>T] ?AN Y1 Y W "W = X
ALL YR LIFE4
  ,6BE ! MA/] ( M"OY1 Y NE$ 6BE SM>T]
?AN X4 ,!N M"OY W D Z X IS TOLD4 ,X W
OBEY Y4 ,9/1D ( 2+ A SLAVE 6X1 Y W 2 !
MA/] ( X4 ,T IS F9ANCIAL 9TELLIG;E4

    #I4 ,,! ,,NE$ ,,= ,,H]OES3 ,! P[] (
    MY?4
  ,:5 ,I 0 A KID1 ,I GRTLY ADMIR$
,WILLIE ,MAYS1 ,HANK ,A>ON1 ,YOGI ,B]RA4
,!Y 7 MY H]OES4 ,Z A KID PLAY+ ,LL
,L1GUE1 ,I WANT$ 6BE J L !M4 ,I TR1SUR$
_! BASEBALL C>DS4 ,I WANT$ 6"K "EY?+ AB
!M4 ,I KNEW ! /ATS1 ! ,,RBI1 ! ,,ERA'S1
_! BATT+ AV]AGES1 H[ M* !Y GOT PD1 & H[
!Y CAME UP F ! M9ORS4 ,I WANT$ 6"K "EY?+
2C ,I WANT$ 6BE J L !M4
  ,E "T1 Z A #I-4 OR #AJ-YE>-OLD KID1 :5
,I /EPP$ UP 6BAT OR PLAY$ F/ BASE OR
CAT*]1 ,I WASN'T ME4 ,I 0 ,YOGI OR
,HANK4 ,X'S "O (! MO/ P[];L WAYS WE LE>N
T WE (T5 LOSE Z ADULTS4 ,WE LOSE \R
H]OES4 ,WE LOSE \R NAIVETE4
  ,TD1 ,I WAT* "Y KIDS PLAY+ BASKETBALL
NE> MY HOME4 ,ON ! C\RT !Y'RE N LL
,JOHNNY2 !Y'RE ,MI*AEL ,JORDAN1 ,SIR
,*>LES OR ,CLYDE4 ,COPY+ OR EMULAT+
H]OES IS TRUE P[] LE>N+4 ,& T IS :Y :5
"S"O L ,OJ4 ,SIMPSON FALLS F GRACE1 "!
IS S* A HUGE \TCRY4
  ,"! IS M ?AN J A C\RTROOM TRIAL4 ,X IS
! LOSS (A H]O4 ,"S"O P GREW UP )1 LOOK$
UP TO1 & WANT$ 6BE L4 ,SU45LY WE NE$
6RID \RVS ( T P]SON4
  ,I H NEW H]OES Z ,I GR[ OLD]4 ,I H
GOLF H]OES S* Z ,PET] ,JACOBS51 ,FR$
,C\PLES & ,TIG] ,WOODS4 ,I COPY _! SW+S
& D MY BE/ 6R1D "EY?+ ,I C AB !M4 ,I AL
H H]OES S* Z ,DONALD ,TRUMP1 ,W>R5
,BU6ETT1 ,PET] ,LYN*1 ,GEORGE ,SOROS &
,JIM ,ROG]S4 ,9 MY OLD] YE>S1 ,I "K _!
/ATS J L ,I KNEW ! ,,ERA'S & ,,RBI ( MY
BASEBALL H]OES4 ,I FOLL[ :AT ,W>R5
,BU6ETT 9VE/S IN1 & R1D ANY?+ ,I C AB 8
PO9T ( VIEW ON ! M>KET4 ,I R1D ,PET]
,LYN*'S BOOK 6"U/& H[ HE *OOSES /OCKS4
,& ,I R1D AB ,DONALD ,TRUMP1 TRY+ 6F9D \
H[ HE NEGOTIATES & PUTS D1LS TGR4
  ,J Z ,I 0 N ME :5 ,I 0 UP 6BAT1 :5
,I'M 9 ! M>KET OR ,I'M NEGOTIAT+ A D1L1
,I AM SUBCONSCI\SLY ACT+ )! BRAVADO (
,TRUMP4 ,OR :5 ANALYZ+ A TR5D1 ,I LOOK
AT X Z ?\< ,PET] ,LYN* 7 DO+ X4 ,0HAV+
H]OES1 WE TAP 96A TREM5D\S S\RCE ( RAW
G5IUS4
  ,B H]OES D M ?AN SIMPLY 9SPIRE U4
,H]OES MAKE ?+S LOOK EASY4 ,X'S ! MAK+ X
LOOK EASY T 3V9CES U 6WANT 6BE J L !M4
8,IF !Y C D X1 S C ,I40
  ,:5 X -ES 69VE/+1 TOO _M P MAKE X S.D
H>D4 ,9/1D F9D H]OES :O MAKE X LOOK
EASY4

    #AJ4 ,,T1* ,,& ,,Y ,% ,,RCV3 ,! P[]
    ( GIV+4
  ,BO? ( MY DADS 7 T1*]S4 ,MY RI* DAD
TAU<T ME A LESSON ,I H C>RI$ ALL MY
LIFE1 & T 0 ! NECESS;Y ( 2+ *>ITA# OR
GIV+4 ,MY $UCAT$ DAD GAVE A LOT 0! WAY (
"T & K1 B ALM N"E GAVE AWAY M"OY4 ,Z ,I
SD1 HE USU,Y SD T HE WD GIVE :5 HE _H "S
EXTRA M"OY4 ,( C\RSE1 "! 0 R>ELY ANY
EXTRA4
  ,MY RI* DAD GAVE M"OY Z WELL Z $UC,N4
,HE 2LIEV$ FIRMLY 9 TI?+4 8,IF Y WANT
"S?+1 Y F/ NE$ 6GIVE10 HE WD ALW SAY4
,:5 HE 0 %ORT ( M"OY1 HE SIMPLY GAVE
M"OY 6HIS *UR* OR 6HIS FAVORITE *>;Y4
  ,IF ,I CD L1VE "O S+LE IDEA ) Y1 X IS
T IDEA4 ,:5"E Y FEEL 8%ORT0 OR 9 8NE$0 (
"S?+1 GIVE :AT Y WANT F/ & X W -E BACK 9
BUCKETS4 ,T IS TRUE = M"OY1 A SMILE1
LOVE1 FR%IP4 ,I "K X IS (T5 ! LA/ ?+ A
P]SON MAY WANT 6D1 B X HAS ALW "W$ = ME4
,I J TRU/ T ! PR9CIPLE ( RECIPROC;Y IS
TRUE1 & ,I GIVE :AT ,I WANT4 ,I WANT
M"OY1 S ,I GIVE M"OY1 & X -ES BACK 9
MULTIPLES4 ,I WANT SALES1 S ,I HELP "S"O
ELSE SELL "S?+1 & SALES -E 6ME4 ,I WANT
3TACTS & ,I HELP "S"O ELSE GET 3TACTS1 &
L MAGIC1 3TACTS -E 6ME4 ,I HE>D A SAY+
YE>S AGO T W5T1 8,GOD DOES N NE$ 6RCV1 B
HUMANS NE$ 6GIVE40
  ,MY RI* DAD WD (T5 SAY1 8,POOR P >E M
GRE$Y ?AN RI* P40 ,HE WD EXPLA9 T IF A
P]SON 0 RI*1 T P]SON 0 PROVID+ "S?+ T
O!R P WANT$4 ,9 MY LIFE1 OV] ALL ^!
YE>S1 :5"E ,I H FELT NE$Y OR %ORT ( M"OY
OR %ORT ( HELP1 ,I SIMPLY W5T \ OR F.D 9
MY HE>T :AT ,I WANT$1 & DECID$ 6GIVE X
F/4 ,& :5 ,I GAVE1 X ALW CAME BACK4
  ,X REM9DS ME (! /ORY (! GUY SITT+ )
FIREWOOD 9 8 >MS ON A COLD FREEZ+ NI<T1
& HE IS YELL+ AT ! POT-BELLI$ /OVE1 8,:5
Y GIVE ME "S H1T1 !N ,I'LL PUT "S WOOD
IN40 ,& :5 X -ES 6M"OY1 LOVE1 HAPPI;S1
SALES & 3TACTS1 ALL "O NE$S 6REMEMB] IS
F/ 6GIVE :AT Y WANT & X W -E BACK 9
DROVES4 ,(T5 J ! PROCESS ( ?9K+ ( :AT ,I
WANT1 & H[ CD ,I GIVE :AT ,I WANT 6"S"O
ELSE1 BR1KS FREE A TORR5T ( B.TY4 ,:5"E
,I FEEL T P >5'T SMIL+ AT ME1 ,I SIMPLY
2G9 SMIL+ & SAY+ HELLO1 & L MAGIC1 "! >E
SU45LY M SMIL+ P >.D ME4 ,X IS TRUE T YR
_W IS ONLY A MIRROR ( Y4
  ,S T'S :Y ,I SAY1 8,T1* & Y % RCV40 ,I
H F.D T ! M ,I S9C]ELY T1* ^? :O WANT
6LE>N1 ! M ,I LE>N4 ,IF Y WANT 6LE>N AB
M"OY1 T1* X 6"S"O ELSE4 ,A TORR5T ( NEW
ID1S & F9] 4T9C;NS W -E IN4
  ,"! >E "TS :5 ,I H GIV5 & NO?+ HAS -E
BACK OR :AT ,I H RCVD IS N :AT ,I WANT$4
,B ^U CLOS] 9SPEC;N & S\L SE>*+1 ,I 0
(T5 GIV+ 6RCV 9 ^? 9/.ES1 9/1D ( GIV+
6GIVE4
  ,MY DAD TAU<T T1*]S1 & HE 2CAME A MA/]
T1*]4 ,MY RI* DAD ALW TAU<T "Y P 8 WAY (
DO+ BUSI;S4 ,9 RETROSPECT1 X 0 _!
G5]OS;Y ) :AT !Y KNEW T MADE !M SM>T]4
,"! >E P[]S 9 ? _W T >E M* SM>T] ?AN WE
>E4 ,Y C GET "! ON YR [N1 B X'S EASI] )!
HELP (! P[]S 6BE4 ,ALL Y NE$ 6BE IS
G5]\S ) :AT Y H1 &! P[]S W 2 G5]\S ) Y4
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