th　technical　knowledge　as　well　as　courage。　If　fear　is　too　strong；　the　genius　is　suppressed。　In　my　classes　I　strongly　urge　students　to　learn　to　take ？risks；　to　be　bold；　to　let　their　genius　convert　that　fear　into　power　and　brilliance。　It　works　for　some　and　just　terrifies　others。　I　have　e　to　realize　that　for　most　people；　when　it　es　to　the　subject　of　money；　they　would　rather　play　it　safe。　I　have　had　to　field　questions　such　as：　Why　take　risks？　Why　should　I　bother　developing　my　financial　IQ？　Why　should　I　bee　financially　literate？

And　I　answer；　〃Just　to　have　more　options。〃

There　are　huge　changes　up　head。　Just　as　I　started　with　the　story　of　the　young　inventor　Alexander　Graham　Bell；　in　the　ing　years　there　will　be　more　people　just　like　him。　There　will　be　a　hundred　people　like　Bill　Gates　and　hugely　successful　panies　like　Microsoft　created　every　year；　all　over　the　world。　And　there　also　will　be　many　more　bankruptcies；　layoffs　and　downsizing。

So　why　bother　developing　your　financial　IQ？　No　one　can　answer　that　but　you。　Ye