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iability column; I chose to focus in the asset column。

As a habit; I used my desire to consume to inspire and motivate my financial genius to invest。

Too often today; we focus to borrowing money to get the things we want instead of focusing on creating money。 One is easier in the short term; but harder in the long term。 It's a bad habit that we as individuals and as a nation have gotten into。 Remember; the easy road often bees hard; and the hard road often bees easy。

The earlier you can train yourself and those you love to be masters of money; the better。 Money is a powerful force。 Unfortunately; people use the power of money against them。 If your financial intelligence is low; money will run all over you。 It will be smarter than you。 If money is smarter than you; you will work for it all your life。

To be the master of money; you need to be smarter than it。 Then money will do as it is told。 It will obey you。 Instead of being a slave to it; you will be the master of it。 That is financial intelligence。

9。 THE NEED FOR HEROES: The power of myth。 When I was a kid; I greatly admired Willie Mays; Hank Aaron; Yogi Berra。 They were my heroes。 As a kid playing Little League; I wanted to be just like them。 I treasured their baseball cards。 I wanted to know everything about them。 I knew the stats; the RBI; the ERAs; their batting averages; how much they got paid; and how they came up 1 from the minors。 I wanted to know everything because I wanted 

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