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