es　to　money；　the　masses　generally　have　one　basic　formula　they　learned　in　school。　And　that　is；　work　for　money。　The　formula　I　see　that　is　predominant　in　the　world　is　that　every　day　millions　of　people　get　up　and　go　to　work；　earn　money；　pay　bills；　balance　checkbooks；　buy　some　mutual　funds　and　go　back　to　work。　That　is　the　basic　formula；　or　recipe。

If　you're　tired　of　what　you're　doing；　or　you're　not　making　enough；　it's　simply　a　case　of　changing　the　formula　via　which　you　make　money。

Years　ago；　when　I　was　26；1　took　a　weekend　class　called　〃How　to　Buy　Real　Estate　Foreclosures。〃　I　learned　a　formula。　The　next　trick　was　to　have　the　discipline　to　actually　put　into　action　what　I　had　learned。　That　is　where　most　people　stop。　For　three　years；　while　working　for　Xerox；　I　spent　my　spare　time　learning　to　master　the　art　of　buying　foreclosures。　I've　made　several　million　dollars　using　that　formula；　but　today；　it's　too　slow　and　too　many　other　people　are　doing　it。

So　after　I　mastered　that　formula；　I　went　in　search　of　other　formulas。　For　many　of　the　classes；　I　did　not　use　the　information　I　learned　directly；　'i｜　but　I　always　learned　something　new。

I　have　attended　classes　designed　for　only　derivative　traders；　also　a　class　for　modity　option　traders　and　a　class　for　Chaologists。　I　was　way　out　of　my　league；　being　in　a　room　full　of　people　with　doctorates　in　nuclear　physics　and　space　science。　Yet；　I　learned　a　lot　that　made　my　stock　and　real　estate　investing　more　meaningful　and　lucrat