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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　
first　invest　in　learning　about　investing。
A　friend　of　mine；　who　is　a　rich　woman；　recently　had　her　apartment　burglarized。　The　thieves　took　her　TV　and　VCR　and　left　all　the　books　she　reads。　And　we　all　have　that　choice。　Again；　90　percent　of　the　population　buys　TV　sets　and　only　about　10　percent　buy　books　on　business　or　tapes　on　investments。
So　what　do　I　do？　I　go　to　seminars。　I　like　it　when　they　are　at　least　two　days　long　because　I　like　to　immerse　myself　in　a　subject。　In　1973；　I　was　watching　TV　and　this　guy　came　on　advertising　a　threeday　seminar　on　how　to　buy　real　estate　for　nothing　down。　I　spent　385　and　that　course　has　made　me　at　least　2　million；　if　not　more。　But　more　importantly；　it　bought　me　life。　I　don't　have　to　work　for　the　rest　of　my　life　because　of　that　one　course。　I　go　to　at　least　two　such　courses　every　year。
I　love　audio　tapes。　The　reason：　I　can　rewind　quickly。　I　was　listening　to　a　tape　by　Peter　Lynch；　and　he　said　something　I　pletely　disagreed　with。　　Instead　of　being　arrogant　and　critical；　I　simply　pushed　〃rewind〃　and　I　listened　to　that　fiveminute　stretch　of　tape　at　least　twenty　times。　Possibly　more。　But　suddenly；　by　keeping　my　mind　open；　I　understood　why　he　said　what　he　said。　It　was　like　magic。　I　felt　like　I　had　a　window　into　the　mind　of　one　of　the　greatest　investors　of　our　time。　I　gained　tremendous　depth　and　insight　into　the　vast　resources　of　his　education　and　experience。
The　net　result：　I　still　have　the　old　way　I　used　to　think；　and　I　have　Peter's　way　of　looking　at　the　same　problem　or　situation。　I　have　two　thoughts　instead　of　one。　　One　more　way　to　analyze　a　problem　or　trend；　and　that　is　priceless。　Today；　I　often　say；　〃How　would　Peter　Lynch　do　this；　or　Donald　Trump　or　Warren　Buffett　or　Gee　Soros？〃　The　only　way　I　can　access　their　vast　mental　power　is　to　be　humble　enough　to　read　or　listen　to　what　they　have　to　say。　Arrogant　or　critical　people　are　often　people　with　low　selfesteem　who　are　afraid　of　taking　risks。　You　see；　if　you　learn　something　new；　you　are　then　required　to　make　mistakes　in　order　to　fully　understand　what　you　have　learned。
If　you　have　read　this　far；　arrogance　is　not　one　of　your　problems。　Arrogant　people　rarely　read　or　buy　tapes。　Why　should　they？　They　are　the　center　of　the　universe。
There　are　so　many　〃intelligent〃　people　who　argue　or　defend　when　a　new　idea　clashes　with　the　way　they　think。　In　this　case；　their　socalled　〃intelligence〃　bined　with　〃arrogance〃　equals　〃ignorance〃。　Each　of　us　knows　people　who　are　highly　educated；　or　believe　they　are　smart；　but　their　balance　sheet　paints　a　different　picture。　A　truly　intelligent　person　weles　new　ideas；　for　new　ideas　can　add　to　the　synergy　of　other　accumulated　ideas。　Listening　is　more　important　than　talking。　If　that　was　not　true；　God　would　not　have　given　us　two　ears　and　only　one　mouth。　Too　many　people　think　with　their　mouth　instead　of　listening　to　absorb　new　ideas　and　possibilities。　They　argue　instead　of　asking　questions。
I　take　a　long　view　on　my　wealth。　I　do　not　subscribe　to　the　〃Get　rich　quick〃　mentality　most　lottery　players　or　casino　gamblers　have。　I　may　go　in　and　out　of　stocks；　but　I　am　long　on　education。　If　you　want　to　fly　an　airplane；　I　advise　taking　lessons　first。　I　am　always　shocked　at　people　who　buy　stocks　or　real　estate；　but　never　invest　in　their　greatest　asset；　their　mind。　Just　because　you　bought　a　house　or　two　does　not　make　you　an　expert　at　real　estate。

3。　CHOOSE　FRIENDS　CAREFULLY：　The　power　of　association。　First　of　all；　I　do　not　choose　my　friends　by　their　financial　statements。　I　have　friends　who　have　actually　taken　the　vow　of　poverty　as　well　as　friends　who　earn　millions　every　year。　The　point　is　I　learn　from　all　of　them；　and　I　consciously　make　the　effort　to　learn　from　them。
Now　I　will　admit　that　there　are　people　I　have　actually　sought　out　because　they　had　money。　But　I　was　not　after　their　money；　I　was　seeking　their　knowledge。　In　some　cases；　these　people　who　had　money　have　bee　dear　friends；　but　not　all。
But　there　is　one　distinction　that　I　would　like　to　point　out。　I've　noticed　that　my　friends　with　money　talk　about　money。　And　I　do　not　mean　brag。　They're　interested　in　the　subject。　　So　I　learn　from　them；　and　they　learn　from　me。　My　friends；　whom　I　know　are　in　dire　straits　financially；　do　not　like　talking　about　money；　business　or　investing。　They　often　think　it　rude　or　unintellectual。　So　I　also　learn　from　my　friends　who　struggle　financially。　I　find　out　what　not　to　do。
I　have　several　friends　who　have　generated　over　a　billion　dollars　in　their　short　lifetimes。　The　three　of　them　report　the　same　phenomenon：　Their　friends　who　have　no　money　have　never　e　to　them　to　ask　them　how　they　did　it。　But　they　do　e　asking　for　one　of　two　things；　or　both：　1。　a　loan；　or　2。　a　job。

A　WARNING：　Don't　listen　to　poor　or　frightened　people。　I　have　such　friends；　and　I　love　them　dearly；　but　they　are　the　〃Chicken　Littles〃　of　life。　　When　it　es　to　money；　especially　investments；　〃The　sky　is　always　falling。〃　They　can　always　tell　you　why　something　won't　work。　The　problem　is；　people　listen　to　them；　but　people　who　blindly　accept　doomandgloom　information　are　also　〃Chicken　Littles。〃　As　that　old　saying　goes；　〃Chickens　of　a　feather　agree　together。〃
If　you　watch　CNBC；　which　is　a　goldmine　of　investment　information；　they　often　have　a　panel　of　socalled　〃experts。〃　One　expert　will　say　the　market　is　going　to　crash；　and　the　other　will　say　it's　going　to　boom。　If　you're　smart；　you　listen　to　both。　Keep　your　mind　open　because　both　have　valid　points。　Unfortunately；　most　poor　people　listen　to　〃Chicken　Little。〃
I　have　had　more　close　friends　try　to　talk　me　out　of　a　deal　or　an　investment。　A　few　years　ago；　a　friend　told　me　he　was　excited　because　he　found　a　6　percent　certificate　of　deposit。　I　told　him　I　earn　16　percent　from　the　state　government。　The　next　day　he　sent　me　an　article　about　why　my　investment　was　dangerous。　I　have　received　16　percent　for　years　now；　and　he　still　receives　6　percent。
I　would　say　that　one　of　the　hardest　things　about　wealth　building　is　to　be　true　to　yourself　and　be　willing　to　not　go　along　with　the　crowd。　For　in　the　market；　it　is　usually　the　crowd　that　shows　up　late　and　is　slaughtered。　If　a　great　deal　is　on　the　front　page；　it's　too　late　in　most　instances。　　Look　for　a　new　deal。　As　we　used　to　say　as　surfers：　〃There　is　always　another　wave。〃　People　who　hurry　and　catch　a　wave　late　usually　are　the　ones　who　wipe　out。
Smart　investors　don't　time　markets。　If　they　miss　a　wave；　they　search
　
for　the　next　one　and　get　themselves　in　position。　Why　this　is　hard　for　most　investors　is　because　buying　what　is　not　popular　is　frightening　to　them。　Timid　investors　are　like　sheep　going　along　with　the　crowd。　Or　their　greed　gets　them　in　when　wise　investors　have　already　taken　their　profits　and　moved　on。　Wise　investors　buy　an　investment　when　it's　not　popular。　They　know　their　profits　are　made　when　they　buy；　not　when　they　sell。　They　wait　patiently。　As　I　said；　they　do　not　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