rs and accountants who earned excellent grades in school may still struggle financially all of their lives。 Our staggering national debt is due in large part to highly educated politicians and government officials making financial decisions with little or no training on the subject of money。

I often look ahead to the new millennium and wonder what will happen when we have millions of people who will need financial and medical assistance。 They will be dependent on their families or the government for financial support。 What will happen when Medicare and Social Security run out of money? How will a nation survive if teaching children about money continues to be left to parents…most of whom will be; or already are; poor?

Because I had two influential fathers; I learned from both of them。 I had to think about each dad's advice; and in doing so; I gained valuable

insight into the power and effect of one's thoughts on one's life。 For example; one dad had a habit of saying; 〃I can't afford it。〃 The other dad forbade those words to be used。 He insisted I say; 〃How can I afford it?〃 One is a statement; and the other is a question。 One lets you off the hook; and the other forces you to think。 My soon…to…be…rich dad would explain that by automatically saying the words 〃I can't afford it;〃 your brain stops working。 By asking the question 〃How can I afford it?〃 your brain is put to work。 He did not mean buy everything you wanted。 He was fanatical about exercising your