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friend; Mike; had an asset column handed to him; but he still had to choose to learn to keep it。 Many rich families lose their assets in the next generation simply because there was no one trained to be a good steward over their assets。

Most people choose not to be rich。 For 90 percent of the population; being rich is 〃too much of a hassle。〃 So they invent sayings that go; 〃I'm not interested in money。〃 Or 〃I'll never be rich。〃 Or 〃I don't have to worry; I'm still young。〃 Or 〃When I make some money; then I'll think about my future。〃 Or 〃My husband/wife handles the finances。〃 The problem with those statements is they rob the person who chooses to

think such thoughts of two things: one is time; which is your most precious asset; and two is learning。 Just because you have no money; should not be an excuse to not learn。 But that is a choice we all make daily; the choice of what we do with our time; our money and what we put in our heads。 That is the power of choice。 All of us have choice。 I just choose to be rich; and I make that choice every day。

INVEST FIRST IN EDUCATION: In reality; the only real asset you have is your mind; the most powerful tool we have dominion over。 Just as I said about the power of choice; each of us has the choice of what we put in our brain once we're old enough。 You can watch MTV all day; or read golf magazines; or go to ceramics class or a class on financial planning。 You choose。 Most people simply buy investments rather than

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