be　those　who　are　left　behind。

Today；　I　find　so　many　people　struggling；　often　working　harder；　simply　because　they　cling　to　old　ideas。　They　want　things　to　be　the　way　they　were；　they　resist　change。 I　know　people　who　are　losing　their　jobs　or　their　houses；　and　they　blame　technology　or　the　economy　or　their　boss。　Sadly　they　fail　to　realize　that　they　might　be　the　problem。　Old　ideas　are　their　biggest　liability。 It　is　a　liability　simply　because　they　fail　to　realize　that　while　that　idea　or　way　of　doing　something　was　an　asset　yesterday；　yesterday　is　gone。

One　afternoon　I　was　teaching　investing　using　a　board　game　I　had　invented；　CASHFLOW；　as　a　teaching　tool。　A　friend　had　brought　someone　along　to　attend　the　class。　This　friend　of　a　friend　was　recently　divorced；　had　been　badly　burned　in　the　divorce　settlement；　and　was　now　searching　for　some　answers。　Her　friend　thought　the　class　might　help。

The　game　was　designed　to　help　people　learn　how　money　works。　In　playing　the　game；　they　learn　about　the　interaction　of　the　ine　statement　with　the　balance　sheet。　They　learn　how　〃cash　flows〃　between

the　two　and　how　the　road　to　wealth　is　through　striving　to　increase　your　monthly　cash　flow　from　the　asset　column　to　the　point　that　it　exceeds　your　j　monthly　expenses。　Once　you　acplish　this；　you　are　able　to　get　out　of　the　〃Rat　Race〃　and　out　onto　the　〃Fast　Track〃。

As　I　have　said；　some　people　hate　the　game；　some　love　it；　and　others　miss　the　point。　This　woman　missed　a　valuable　opport