time　the　market。　Just　like　a　surfer；　they　get　in　position　for　the　next　big　swell。

It's　all　〃insider　trading。〃　There　are　forms　of　insider　trading　that　are　illegal；　and　there　are　forms　of　insider　trading　that　are　legal。　But　either　way；　it's　insider　trading。　The　only　distinction　is　how　far　away　from　the　inside　are　you？　The　reason　you　want　to　have　rich　friends　who　are　close　to　the　inside　is　because　that　is　where　the　money　is　made。　It's　made　on　information。　You　want　to　hear　about　the　next　boom；　get　in　and　get　out　before　the　next　bust。　I'm　not　saying　do　it　illegally；　but　the　sooner　you　know；　the　better　your　chances　are　for　profits　with　minimal　risk。　That　is　what　friends　are　for。　And　that　is　financial　intelligence。

4。　MASTER　A　FORMULA　AND　THEN　LEARN　A　NEW　ONE：　The　poake　bread；　every　baker　follows　a　recipe；　even　if　it's　only　held　in　their　head。　The　same　is　true　for　making　money。　That's　why　money　is　often　called　〃dough。〃

Most　of　us　have　heard　the　saying　〃You　are　what　you　eat。〃　I　have　a　different　slant　on　the　same　saying。　I　say；　〃You　bee　what　you　study。〃　In　other　words；　be　careful　what　you　study　and　learn；　because　your　mind　is　so　powerful　that　you　bee　what　you　put　in　your　head。　For　example；　if　you　study　cooking；　you　then　tend　to　cook。　You　bee　a　cook。　If　you　don't　want　to　be　a　cook　anymore；　then　you　need　to　study　something　else。 Let's　say；　a　schoolteacher。　After　studying　teaching；　you　often　bee　a　teacher。　And　so　on。　Choose　what　you　study　carefully。

When　it