             ,,*APT] ,,EI<T
                ,OV]COM+
               ,OB/ACLES

  ,ONCE P H /UDI$ & 2COME F9ANCI,Y
LIT]ATE1 !Y MAY / FACE ROADBLOCKS 62COM+
F9ANCI,Y 9DEP5D5T4 ,"! >E FIVE MA9
R1SONS :Y F9ANCI,Y LIT]ATE P MAY / N
DEVELOP ABUNDANT ASSET COLUMNS4 ,ASSET
COLUMNS T CD PRODUCE L>GE SUMS ( CA%
FL[4 ,ASSET COLUMNS T FREE !M 6LIVE !
LIFE !Y DR1M (1 9/1D ( "W+ FULL "T J
6PAY BILLS4 ,! FIVE R1SONS >E3

#A4 ,FE>4

#B4 ,CYNICISM4
#C4 ,LAZI;S4
#D4 ,BAD HABITS4
#E4 ,>ROG.E4

    ,R1SON ,NO4 #A4 ,OV]COM+ ! FE> (
    LOS+ M"OY4
  ,I H N"E MET ANY"O :O RE,Y LIKES LOS+
M"OY4 ,& 9 ALL MY YE>S1 ,I H N"E MET A
RI* P]SON :O HAS N"E LO/ M"OY4 ,B ,I H
MET A LOT ( POOR P :O H N"E LO/ A DIME4
@4 9VE/+1 T IS4
  ,! FE> ( LOS+ M"OY IS R1L4 ,"EY"O HAS
X4 ,EV5 ! RI*4 ,B X'S N FE> T IS !
PRO#M4 ,X'S H[ Y H&LE FE>4 ,X'S H[ Y
H&LE LOS+4 X'S H[ Y H&LE FAILURE T MAKES
! DI6];E 9 "O'S LIFE4 ,T GOES = ANY?+ 9
LIFE1 N J M"OY4 ,! PRIM>Y DI6];E 2T A
RI* P]SON &A POOR P]SON IS H[ !Y H&LE T
FE>4
  ,X'S ,,OK 6BE FE>;L4 ,X'S ,,OK 6BE A
C[>D :5 X -ES 6M"OY4 ,Y C / 2 RI*4
,WE'RE ALL H]OES AT "S?+ & C[>DS AT "S?+
ELSE4 ,MY FR'S WIFE IS AN EM]G5CY-ROOM
NURSE4 ,:5 %E SEES BLOOD1 %E FLIES
96AC;N4 ,:5 ,I M5;N 9VE/+1 %E RUNS AWAY4
,:5 ,I SEE BLOOD1 ,I DON'T RUN4 ,I PASS
\4
  ,MY RI* DAD "U/OOD PHOBIAS AB M"OY4
8,"S P >E T]RIFI$ ( SNAKES4 ,"S P >E
T]RIFI$ AB LOS+ M"OY4 ,BO? >E PHOBIAS10
HE WD SAY4 ,S 8 SOLU;N 6! PHOBIA ( LOS+
M"OY 0 ? LL RHYME3

8,IF Y HATE RISK & WORRY44 ./>T E>LY40

  ,T'S :Y BANKS RECOMM5D SAV+S Z A HABIT
:5 Y'RE "Y4 ,IF Y />T "Y1 X'S EASY 6BE
RI*4 ,I WON'T G 96X "H1 B "! IS A L>GE
DI6];E 2T A P]SON :O />TS SAV+ AT AGE
#BJ V]SUS AGE #CJ4 ,A /A7]+ DI6];E4
  ,X IS SD T "O (! WOND]S (! _W IS ! P[]
( -P.D 9T]E/4 ,! PUR*ASE ( ,MANHATTAN
,ISL& IS SD 6BE "O (! GRTE/ B>GA9S ( ALL
"T4 ,NEW ,YORK 0 PUR*AS$ = 4#BD 9
TR9KETS & B1DS4 ,YET1 IF T 4#BD _H BE5
9VE/$1 AT #H P]C5T ANNU,Y1 T 4#BD WD H
BE5 WOR? M ?AN 4#BH TRILLION 0#AIIE4
,MANHATTAN CD 2 REPUR*AS$ ) M"OY LEFT
OV] 6BUY M* ( ,L4,A41 ESPECI,Y AT
#AIIE'S R1L E/ATE PRICES4
  ,MY NEI<BOR "WS =A MAJOR -PUT] -PANY4
,HE HAS BE5 "! #BE YE>S4 ,9 FIVE M YE>S
HE W L1VE ! -PANY ) 4#D MILLION 9 8
#DJA;K RETIRE;T PLAN4 ,X IS 9VE/$ MO/LY
9 HI<-GR[? MUTUAL FUNDS1 : HE W 3V]T
6BONDS & GOV]N;T SECURITIES4 ,HE'LL ONLY
2 #EE :5 HE GETS \1 & HE W H A PASSIVE
CA% FL[ ( OV] 4#CJJ1JJJ A YE>1 M ?AN HE
MAKES F 8 SAL>Y4 ,S X C 2 D"O1 EV5 IF Y
HATE LOS+ OR HATE RISK4 ,B Y M/ />T E>LY
& DEF9ITELY SET UP A RETIRE;T PLAN1 & Y
%D HIRE A F9ANCIAL PLANN] Y TRU/ 6GUIDE
Y 2F 9VE/+ 9 ANY?+4
  ,B :AT IF Y DON'T H M* "T LEFT OR WD L
6RETIRE E>LY8 ,H[ D Y H&LE ! FE> ( LOS+
M"OY8
  ,MY POOR DAD DID NO?+4 ,HE SIMPLY
AVOID$ ! ISSUE1 REFUS+ 64CUSS ! SUBJECT4
  ,MY RI* DAD1 ON ! O!R H& RECOMM5D$ T
,I ?9K L A ,TEXAN4 8,I L ,TEXAS &
,TEXANS10 HE US$ 6SAY4 8,IN ,TEXAS1
"EY?+ IS BI7]4 ,:5
  ,TEXANS W91 !Y W9 BIG4 ,& :5 !Y LOSE1
X'S SPECTACUL>40
  8,!Y L LOS+80 ,I ASK$4
  8,T'S N :AT ,I'M SAY+4 ,NOBODY LIKES
LOS+4 ,%[ ME A HAPPY LOS]1 & ,I'LL %[ Y
A LOS]10 SD RI* DAD4 8,X'S A ,TEXAN'S
ATTITUDE T[>D RISK1 REW>D & FAILURE ,I'M
TALK+ AB4 ,X'S H[ !Y H&LE LIFE4 ,!Y LIVE
X BIG4 ,N L MO/ (! P >.D "H1 LIV+ L
ROA*ES :5 X -ES 6M"OY4 ,ROA*ES T]RIFI$ T
"S"O W %9E A LI<T ON !M4 ,:IMP]+ :5 !
GROC]Y CL]K %ORT*ANGES !M A QU>T]40
  ,RI* DAD W5T ON 6EXPLA94
  8,:AT ,I L BE/ IS ! ,TEXAS ATTITUDE4
,!Y'RE PR\D :5 !Y W91 & !Y BRAG :5 !Y
LOSE4 ,TEXANS H A SAY+1 8,IF Y'RE GO+ 6G
BROKE1 G BIG4 ,Y DON'T WANT 6ADMIT Y W5T
BROKE OV] A DUPLEX4 ,MO/ P >.D "H >E S
AFRAID ( LOS+1 !Y DON'T H A DUPLEX 6G
BROKE )40
  ,HE 3/ANTLY TOLD ,MIKE & ME T ! GRTE/
R1SON = LACK ( F9ANCIAL SU3ESS 0 2C MO/
P PLAY$ X TOO SAFE4 8,P >E S AFRAID (
LOS+ T !Y LOSE0 7 8 ^WS4
  ,FAN ,T>K5TON1 A "O-"T GRT ,,NFL
QU>T]BACK1 SAYS X / ANO!R WAY3
  8,W9N+ M1NS 2+ UNAFRAID 6LOSE40
  ,9 MY [N LIFE1 ,I'VE NOTIC$ T W9N+
USU,Y FOLL[S LOS+4 ,2F ,I F9,Y LE>N$
6RIDE A BIKE1 ,I F/ FELL D[N _M "TS4
,I'VE N"E MET A GOLF] :O HAS N"E LO/ A
GOLF BALL4 ,I'VE N"E MET P :O H FALL5 9
LOVE :O H N"E _H _! HE>T BROK54 ,& ,I'VE
N"E MET "S"O RI* :O HAS N"E LO/ M"OY4
  ,S = MO/ P1 ! R1SON !Y DON'T W9
F9ANCI,Y IS 2C ! PA9 ( LOS+ M"OY IS F>
GRT] ?AN ! JOY ( 2+ RI*4 ,ANO!R SAY+ 9
,TEXAS IS1 8,"EY"O WANTS 6G 6,H1V51 B NO
"O WANTS 6DIE40 ,MO/ P DR1M ( 2+ RI*1 B
>E T]RIFI$ ( LOS+ M"OY4 ,S !Y N"E GET
6,H1V54
  ,RI* DAD US$ 6TELL ,MIKE & ME /ORIES
AB 8 TRIPS 6,TEXAS4 8,IF Y RE,Y WANT
6LE>N ! ATTITUDE ( H[ 6H&LE RISK1 LOS+ &
FAILURE1 G 6,SAN ,ANTONIO & VISIT !
,ALAMO4 ,! ,ALAMO IS A GRT /ORY ( BRAVE
P :O *OSE 6FI<T1 "K+ "! 0 NO HOPE (
SU3ESS AG/ OV]:ELM+ O4S4 ,!Y *OSE 6DIE
9/1D ( SURR5D]+4 ,X'S AN 9SPIR+ /ORY
WOR?Y ( /UDY2 N"O!.S1 X'S / A TRAGIC
MILIT>Y DEF1T4 ,!Y GOT _! BUTTS KICK$4
,A FAILURE IF Y W4 ,!Y LO/4 ,S H[ D
,TEXANS H&LE FAILURE8 ,!Y / %\T1
,8,REMEMB] ! ,ALAMO60'0
  ,MIKE & ,I HE>D ? /ORY A LOT4 ,HE ALW
TOLD U ? /ORY :5 HE 0 AB 6G 96A BIG D1L
& HE 0 N]V\S4 ,AF HE _H D"O ALL 8 DUE
DILIG;E & N[ X 0 PUT UP OR %UT UP1 HE
TOLD U ? /ORY4 ,E "T HE 0 AFRAID ( MAK+
A MISTAKE1 OR LOS+ M"OY1 HE TOLD U ?
/ORY4 ,X GAVE HM /R5G?1 = X REM9D$ HM T
HE CD ALW TURN A F9ANCIAL LOSS 96A
F9ANCIAL W94 ,RI* DAD KNEW T FAILURE WD
ONLY MAKE HM /R;G] & SM>T]4 ,X'S N T HE
WANT$ 6LOSE2 HE J KNEW :O HE 0 & H[ HE
WD TAKE A LOSS4 ,HE WD TAKE A LOSS &
MAKE X A W9 ,T'S :AT MADE HM A W9N] &
O!RS LOS]S4 ,X GAVE HM ! C\RAGE 6CROSS !
L9E :5 O!RS BACK$ \4 8,T'S :Y ,I L
,TEXANS S M*4 ,!Y TOOK A GRT FAILURE &
TURN$ X 96A T\RI/ DE/9,N T MAKES !M
MILLIONS40
  ,B PROBABLY 8 ^WS T M1N ! MO/ 6ME TD
>E ^!3 8,TEXANS DON'T BURY _! FAILURES4
,!Y GET 9SPIR$ 0!M4 ,!Y TAKE _! FAILURES
& TURN !M 96R,Y+ CRIES4 ,FAILURE 9SPIRES
,TEXANS 62COME W9N]S4 ,B T =MULA IS N J
! =MULA = ,TEXANS4 ,X IS ! =MULA = ALL
W9N]S40
  ,J Z ,I AL SD T FALL+ (F MY BIKE 0 "P
( LE>N+ 6RIDE4 ,I REMEMB] FALL+ (F ONLY
MADE ME M DET]M9$ 6LE>N 6RIDE4 ,N LESS4
,I AL SD T ,I H N"E MET A GOLF] :O HAS
N"E LO/ A BALL4 ,6BE A TOP PROFES.NAL
GOLF]1 LOS+ A BALL OR A T\RNA;T ONLY
9SPIRES GOLF]S 6BE BETT]1 6PRACTICE
H>D]1 6/UDY M4 ,T'S :AT MAKES !M BETT]4
,= W9N]S1 LOS+ 9SPIRES !M4 ,= LOS]S1
LOS+ DEF1TS !M4
  ,QUOT+ ,JOHN ,D4 ,ROCKEFELL]1 8,I ALW
TRI$ 6TURN E 4A/] 96AN OPPORTUN;Y40
  ,& 2+ ,JAPANESE-,AM]ICAN1 ,I C SAY ?4
,_M P SAY T ,PE>L ,H>BOR 0 AN ,AM]ICAN
MISTAKE4 ,I SAY X 0 A ,JAPANESE MISTAKE4
,F ! MOVIE ,TORA1 ,TORA1 ,TORA1 A SOMB]
,JAPANESE ADMIRAL SAYS 6HIS *E]+
SUBORD9ATES1 8,I AM AFRAID WE H AWAK5$ A
SLEEP+ GIANT40 8,REMEMB] ,PE>L ,H>BOR0
2CAME A R,Y+ CRY4 ,X TURN$ "O (
,AM]ICA'S GRTE/ LOSSES 96! R1SON 6W94 ,?
GRT DEF1T GAVE ,AM]ICA /R5G?1 & ,AM]ICA
SOON EM]G$ Z A _W P[]4
  ,FAILURE 9SPIRES W9N]S4 ,& FAILURE
DEF1TS LOS]S4 ,X IS ! BI7E/ SECRET (
W9N]S4 ,X'S ! SECRET T LOS]S D N "K4 ,!
GRTE/ SECRET ( W9N]S IS T FAILURE
9SPIRES W9N+2 ?US1 !Y'RE N AFRAID (
LOS+4 ,REP1T+ ,FRAN ,T>K5TON'S QUOTE1
8,W9N+ M1NS 2+ UNAFRAID 6LOSE40 ,P L
,FRAN ,T>K5TON >E N AFRAID ( LOS+ 2C !Y
"K :O !Y >E4 ,!Y HATE LOS+1 S !Y "K T
LOS+ W ONLY 9SPIRE !M 62COME BETT]4 ,"!
IS A BIG DI6];E 2T HAT+ LOS+ & 2+ AFRAID
6LOSE4 ,MO/ P >E S AFRAID ( LOS+ M"OY T
!Y LOSE4 ,!Y G BROKE OV] A DUPLEX4
,F9ANCI,Y !Y PLAY LIFE TOO SAFE & TOO
SMALL4 ,!Y BUY BIG H\SES & BIG C>S1 B N
BIG 9VE/;TS4 ,! MA9 R1SON T OV] #IJ
P]C5T (! ,AM]ICAN PUBLIC /RU7LES
F9ANCI,Y IS 2C !Y PLAY N 6LOSE4 ,!Y
DON'T PLAY 6W94
  ,!Y G 6_! F9ANCIAL PLANN]S OR A3.TANTS
OR /OCKBROK]S & BUY A BAL.ED PORTFOLIO4
,MO/ H LOTS ( CA% 9 ;,,CD'S1 L[-YIELD
BONDS1 MUTUAL FUNDS T C 2 TRAD$ )9 A
MUTUAL-FUND FAMILY1 &A FEW 9DIVIDUAL
/OCKS4 ,X IS A SAFE & S5SI# PORTFOLIO4
,B X IS N A W9N+ PORTFOLIO4 ,X IS A
PORTFOLIO ( "S"O PLAY+ N 6LOSE4
  ,DON'T GET ME WR;G4 ,X'S PROBABLY A
BETT] PORTFOLIO ?AN M ?AN #GJ P]C5T (!
POPUL,N1 & T'S F"R5+4 ,2C A SAFE
PORTFOLIO IS A LOT BETT] ?AN NO
PORTFOLIO4 ,X'S A GRT PORTFOLIO = "S"O
:O LOVES SAFETY4 ,B PLAY+ X SAFE & GO+
8BAL.ED0 ON YR 9VE/;T PORTFOLIO IS N !
WAY SU3ESS;L 9VE/ORS PLAY ! GAME4 ,IF Y
H LL M"OY & Y WANT 6BE RI*1 Y M/ F/ 2
8FOCUS$10 N 8BAL.ED40 ,IF Y LOOK AT
ANY"O SU3ESS;L1 AT ! />T !Y 7 N BAL.ED4
,BAL.ED P G NO":4 ,!Y /AY 9 "O SPOT4
,6MAKE PROGRESS1 Y M/ F/ G UNBAL.ED4 ,J
LOOK AT H[ Y MAKE PROGRESS WALK+4
  ,?OMAS ,$ISON 0 N BAL.ED4 ,HE 0
FOCUS$4 ,BILL ,GATES 0 N BAL.ED4 ,HE 0
FOCUS$4 ,DONALD ,TRUMP IS FOCUS$4
,GEORGE ,SOROS IS FOCUS$4 ,GEORGE
,PATTON DID N TAKE 8 TANKS WIDE4 ,HE
FOCUS$ !M & BLEW "? ! W1K SPOTS 9 !
,G]MAN L9E4 ,! ,FR5* W5T WIDE )! ,MAG9OT
,L9E1 & Y "K :AT HAPP5$ 6!M4
  ,IF Y H ANY DESIRE ( 2+ RI*1 Y M/
FOCUS4 ,PUT A LOT ( YR E7S 9 A FEW
BASKETS4 ,D N D :AT POOR & MI4LE-CLASS P
D3 PUT _! FEW E7S 9 _M BASKETS4
  ,IF Y HATE LOS+1 PLAY X SAFE4 ,IF LOS+
MAKES Y W1K1 PLAY X SAFE4 ,G ) BAL.ED
9VE/;TS4 ,IF Y'RE OV] #BE YE>S OLD & >E
T]RIFI$ ( TAK+ RISKS1 DON'T *ANGE4 ,PLAY
X SAFE1 B />T E>LY4 ,/>T A3UMULAT+ YR
NE/ EGG E>LY 2C X W TAKE "T4
  ,B IF Y H DR1MS ( FREEDOM-( GETT+ ,\ (
! RAT RACE-! F/ "Q 6ASK YRF IS1 8,H[ D
,I RESPOND 6FAILURE80 ,IF FAILURE
9SPIRES Y 6W91 MAYBE Y %D G = X-B ONLY
MAYBE4 ,IF FAILURE MAKES Y W1K OR CAUSES
Y 6?R[ TEMP] TANTRUMS-L SPOIL$ BRATS :O
CALL AN ATTORNEY 6FILE A LAWSUIT E "T
"S?+ DOES N G _! WAY-!N PLAY X SAFE4
,KEEP YR "D"T JOB4 ,OR BUY BONDS OR
MUTUAL FUNDS4 ,B REMEMB]1 "! IS RISK 9
^? F9ANCIAL 9/RU;TS AL1 EV5 ?\< !Y >E
SAF]4
  ,I SAY ALL ?1 M5;N+ ,TEXAS & ,FRAN
,T>K5TON1 2C /ACK+ ! ASSET COLUMN IS
EASY4 ,X'S RE,Y A L[-APTITUDE GAME4 ,X
DOESN'T TAKE M* $UC,N4 ,FIF?-GRADE MA? W
D4 ,B /AK+ ! ASSET COLUMN IS A HI<
ATTITUDE GAME4 ,X TAKES GUTS1 PATI;E &A
GRT ATTITUDE T[>D FAILURE4 ,LOS]S AVOID
FAIL+4 ,& FAILURE TURNS LOS]S 96W9N]S4
,J REMEMB] ! ,ALAMO4
    ,R1SON ,NO4 #B4 ,OV]COM+ CYNICISM4
  8,! SKY IS FALL+4 ,! SKY IS FALL+40
,MO/ ( U "K ! /ORY ( 8,*ICK5 ,LL10 :O
RAN >.D W>N+ ! B>NY>D ( IMP5D+ DOOM4 ,WE
ALL "K P :O >E T WAY4
  ,B WE ALL H A 8,*ICK5 ,LL0 9SIDE EA* (
U4
  ,& Z ,I /AT$ E>LI]1 ! CYNIC IS RE,Y A
LL *ICK54 ,WE ALL GET A LL *ICK5 :5 FE>
& D\BT CL\D \R ?"\S4
  ,ALL ( U H D\BTS4 8,I'M N SM>T40 8,I'M
N GD 5\<40 8,S & S IS BETT] ?AN ME40 ,OR
\R D\BTS (T5 P>ALYZE U4 ,WE PLAY ! 8,:AT
IF80 GAME4 8,:AT IF ! ECONOMY CRA%ES "R
AF ,I 9VE/80 ,OR 8,:AT IF ,I LOSE 3TROL
& ,I C'T PAY ! M"OY BACK80 8,:AT IF ?+S
DON'T G Z ,I PLANN$80 ,OR WE H FRS OR
LOV$ "OS :O W REM9D U ( \R %ORTCOM+S
REG>D.S ( :E!R WE ASK4 ,!Y (T5 SAY1
8,:AT MAKES Y ?9K Y C D T80 ,OR 8,IF X'S
S* A GD IDEA1 H[ -E "S"O ELSE HASN'T D"O
X80 ,OR 8,T W N"E "W4 ,Y DON'T "K :AT
Y'RE TALK+ AB40 ,^! ^WS ( D\BT (T5 GET S
L\D T WE FAIL 6ACT4 ,A HORRI# FEEL+
BUILDS 9 \R /OMA*4 ,"S"TS WE C'T SLEEP4
,WE FAIL 6MOVE =W>D4 ,S WE /AY ) :AT IS
SAFE & OPPORTUNITIES PASS U BY4 ,WE WAT*
LIFE PASS+ 0Z WE SIT IMMOBILIZ$ )A COLD
KNOT 9 \R BODY4 ,WE H ALL FELT ? AT "O
"T 9 \R LIVES1 "S M ?AN O!RS4
  ,PET] ,LYN* ( ,FIDEL;Y ,MAGELLAN
MUTUAL-FUND FAME REF]S 6W>N+S AB ! SKY
FALL+ Z 8NOISE10 & WE ALL HE> X4
  8,NOISE0 IS EI CR1T$ 9SIDE \R H1DS OR
-ES F \TSIDE4 ,(T5 F FRS1 FAMILY1 CO-
"W]S &! M$IA4 ,LYN* RECALLS ! "T DUR+ !
#AIEJ'S :5 ! ?R1T ( NUCLE> W> 0 S
PREVAL5T 9 ! NEWS T P 2GAN BUILD+ FALL\T
%ELT]S & /OR+ FOOD & WAT]4 ,IF !Y _H
9VE/$ T M"OY WISELY 9 ! M>KET1 9/1D (
BUILD+ A FALL\T %ELT]1 !Y'D PROBABLY 2
F9ANCI,Y 9DEP5D5T TD4
  ,:5 ! RIOTS BROKE \ 9 ,LOS ,ANGELES A
FEW YE>S AGO1 GUN SALES W5T UP ALL OV] !
C.TRY4 ,A P]SON DIES F R>E HAMBURG] M1T
9 ,WA%+TON ,/ATE &! ,>IZONA ,H1L?
,DE"P;T ORD]S RE/AURANTS 6H ALL BEEF
COOK$ WELL-D"O4 ,A DRUG -PANY RUNS A
N,NAL ,,TV -M]CIAL %[+ P CAT*+ ! FLU4 ,!
AD RUNS 9 ,FEBRU>Y4 ,COLDS G UP Z WELL Z
SALES ( _! COLD M$IC9E4
  ,MO/ P >E POOR 2C :5 X -ES 69VE/+1 !
_W IS FILL$ ) ,*ICK5 ,LLS RUNN+ >.D
YELL+1 8,! SKY IS FALL+4 ,! SKY IS
FALL+40 ,& ,*ICK5 ,LLS >E E6ECTIVE 2C
"EY"O ( U IS A LL *ICK54 ,X (T5 TAKES
GRT C\RAGE 6N LET RUMORS & TALK ( DOOM &
GLOOM A6ECT YR D\BTS & FE>S4
  ,9 #AIIB1 A FR "ND ,RI*>D CAME F
,BO/ON 6VISIT MY WIFE & ME 9 ,PHOENIX4
,HE 0 IMPRESS$ ) :AT WE _H D"O "? /OCKS
& R1L E/ATE4 ,! PRICES ( R1L E/ATE 9
,PHOENIX 7 DEPRESS$4 ,WE SP5T TWO "DS )
HM %[+ HM :AT WE ?"\ 7 EXCELL5T
OPPORTUNITIES = CA% FL[ & CAPITAL
APPRECI,N4
  ,MY WIFE & ,I >E N R1L E/ATE AG5TS4
,WE >E /RICTLY 9VE/ORS4 ,AF ID5TIFY+ A
UNIT 9 A RESORT -MUN;Y1 WE CALL$ AN AG5T
:O SOLD X 6HM T AFN4 ,! PRICE 0 A M]E
4#DB1JJJ =A TWO-B$ROOM T[NH\SE4 ,SIMIL>
UNITS 7 GO+ = 4#FE1JJJ4 ,HE _H F.D A
B>GA94 ,EXCIT$1 HE B"\ X & RETURN$
6,BO/ON4
  ,TWO WEEKS LAT]1 ! AG5T CALL$ 6SAY T
\R FR _H BACK$ \4 ,I CALL$ IMMLY 6F9D \
:Y4 ,ALL HE SD 0 T HE TALK$ 6HIS
NEI<BOR1 & 8 NEI<BOR TOLD HM X 0 A BAD
D1L4 ,HE 0 PAY+ TOO M*4
  ,I ASK$ ,RI*>D IF 8 NEI<BOR 0 AN
9VE/OR4 ,RI*>D SD 8NO40 ,:5 ,I ASK$ :Y
HE LI/5$ 6HM1 ,RI*>D GOT DEF5SIVE &
SIMPLY SD HE WANT$ 6KEEP LOOK+4
  ,! R1L E/ATE M>KET 9 ,PHOENIX TURN$1 &
0#AIID1 T LL UNIT 0 R5T+ = 4#A1JJJ A
MON?-4#B1EJJ 9 ! P1K W9T] MON?S4 ,! UNIT
0 WOR? 4#IE1JJJ 9 #AIIE4 ,ALL ,RI*>D _H
6PUT D[N 0 4#E1JJJ & HE WD H _H A />T AT
GETT+ \ (! RAT RACE4 ,TD1 HE / HAS D"O
NO?+4 ,&! B>GA9S 9 ,PHOENIX >E / "H2 Y J
H 6LOOK A LOT H>D]4
  ,RI*>D'S BACK+ \ DID N SURPRISE ME4
,X'S CALL$ 8BUY]'S REMORSE10 & X A6ECTS
ALL ( U4 ,X'S ^? D\BTS T GET U4 ,! LL
*ICK5 WON1 &A *.E AT FREEDOM 0 LO/4
  ,9 ANO!R EXAMPLE1 ,I HOLD A SMALL
POR;N ( MY ASSETS 9 TAX-LI5 C]TIFICATES
9/1D ( ;,,CD'S4 ,I E>N #AF P]C5T P] YE>
ON MY M"OY1 : C]TA9LY B1TS ! #E P]C5T !
BANK (F]S4 ,! C]TIFICATES >E SECUR$ 0R1L
E/ATE & 5=C$ 0/ATE LAW1 : IS AL BETT]
?AN MO/ BANKS4 ,! =MULA !Y'RE B"\ ON
MAKES !M SAFE4 ,!Y J LACK LIQUID;Y4 ,S
,I LOOK AT !M Z #B- 6#G-YE> ;,,CD'S4
,ALM E "T ,I TELL "S"O1 ESPECI,Y IF !Y H
M"OY 9 ;,,CD'S1 T ,I HOLD MY M"OY ? WAY1
!Y W TELL ME X'S RISKY4 ,!Y TELL ME :Y
,I %D N D X4 ,:5 ,I ASK !M ": !Y GET _!
9=M,N1 !Y SAY F A FR OR AN 9VE/;T
MAGAZ9E4 ,!Y'VE N"E D"O X1 & !Y'RE TELL+
"S"O :O'S DO+ X :Y !Y %DN'T4 ,! L[E/
YIELD ,I LOOK = IS #AF P]C5T1 B P :O >E
FILL$ ) D\BT >E WILL+ 6A3EPT #E P]C5T4
,D\BT IS EXP5SIVE4
  ,MY PO9T IS T X'S ^? D\BTS & CYNICISM
T KEEP MO/ P POOR & PLAY+ X SAFE4 ,! R1L
_W IS SIMPLY WAIT+ = Y 6GET RI*4 ,ONLY A
P]SON'S D\BTS KEEP !M POOR4 ,Z ,I SD1
GETT+ \ (! RAT RACE IS TE*NIC,Y EASY4 ,X
DOESN'T TAKE M* $UC,N1 B ^? D\BTS >E
CRIPPLES
  8,CYNICS N"E W910 SD RI* DAD4
8,UN*ECK$ D\BT & FE> CR1TES A CYNIC4
,CYNICS CRITICIZE1 & W9N]S ANALYZE0 0
ANO!R ( 8 FAVORITE SAY+S4 ,RI* DAD
EXPLA9$ T CRITICISM BL9D$ :ILE ANALYSIS
OP5$ EYES4 ,ANALYSIS ALL[$ W9N]S 6SEE T
CRITICS 7 BL1 & 6SEE OPPORTUNITIES T
"EY"O ELSE MISS$4 ,& F9D+ :AT P MISS IS
KEY 6ANY SU3ESS4
  ,R1L E/ATE IS A P[];L 9VE/;T TOOL =
ANY"O SEEK+ F9ANCIAL 9DEP5D;E OR
FREEDOM4 ,X IS A UNIQUE 9VE/;T TOOL4
,YET1 E "T ,I M5;N R1L E/ATE Z A
VEHICLE1 ,I (T5 HE>1 8,I DON'T WANT 6FIX
TOILETS40 ,T'S :AT ,PET] ,LYN* CALLS
8NOISE40 ,T'S :AT MY RI* DAD WD SAY IS !
CYNIC TALK+4 ,"S"O :O CRITICIZES & DOES
N ANALYZE4 ,"S"O :O LETS _! D\BTS & FE>S
CLOSE _! M9D 9/1D ( OP5 _! EYES4
  ,S :5 "S"O SAYS1 8,I DON'T WANT 6FIX
TOILETS10 ,I WANT 6FIRE BACK1 8,:AT
MAKES Y ?9K ,I WANT TO80 ,!Y'RE SAY+ A
TOILET IS M IMPORTANT ?AN :AT !Y WANT4
,I TALK AB FREEDOM F ! RAT RACE1 & !Y
FOCUS ON TOILETS4 ,T IS ! ?"\ PATT]N T
KEEPS MO/ P POOR4 ,!Y CRITICIZE 9/1D (
ANALYZE4
  8,8,I DON'T WANTS0 HOLD ! KEY 6YR
SU3ESS10 RI* DAD WD SAY4
  ,2C ,I1 TOO1 D N WANT 6FIX TOILETS1 ,I
%OP H>D =A PROP]TY MANAG] :O DOES FIX
TOILETS4 ,& 0F9D+ A GRT PROP]TY MANAG]
:O RUNS H\SES OR A"P;TS1 WELL1 MY CA%
FL[ GOES UP4 ,B M IMPORTANTLY A GRT
PROP]TY MANAG] ALL[S ME 6BUY A LOT M R1L
E/ATE S9CE ,I DON'T H 6FIX TOILETS4 ,A
GRT PROP]TY MANAG] IS KEY 6SU3ESS 9 R1L
E/ATE4 ,F9D+ A GD MANAG] IS M IMPORTANT
6ME ?AN ! R1L E/ATE4 ,A GRT PROP]TY
MANAG] (T5 HE>S ( GRT D1LS 2F R1L E/ATE
AG5TS D1 : MAKES !M EV5 M VALUA#4
  ,T IS :AT RI* DAD M1NT BY0 ,8,I DON'T
WANTS0' HOLD ! KEY 6YR SU3ESS40 ,2C ,I D
N WANT 6FIX TOILETS EI1 ,I FIGUR$ \ H[
6BUY M R1L E/ATE & EXP$ITE MY GETT+ \ (!
RAT RACE4 ,! P :O 3T9UE 6SAY 8,I DON'T
WANT 6FIX TOILETS0 (T5 D5Y !MVS ! USE (
? P[];L 9VE/;T VEHICLE4 ,TOILETS >E M
IMPORTANT ?AN _! FREEDOM4
  ,9 ! /OCK M>KET1 ,I (T5 HE> P SAY1 8,I
DON'T WANT 6LOSE M"OY40 ,WELL1 :AT MAKES
!M ?9K ,I OR ANY"O ELSE LIKES LOS+ M"OY8
,!Y DON'T MAKE M"OY 2C !Y *OSE 6N LOSE
M"OY4 ,9/1D ( ANALYZ+1 !Y CLOSE _! M9DS
6ANO!R P[];L 9VE/;T VEHICLE1 ! /OCK
M>KET4
  ,9 ,DECEMB] #AIIF1 ,I 0 RID+ )A FR PA/
\R NEI<BORHOOD GAS /,N4 ,HE LOOK$ UP &
SAW T ! PRICE ( OIL 0 GO+ UP4 ,MY FR IS
A WORRY W>T OR A 8,*ICK5 ,LL40 ,6HM1 !
SKY IS ALW GO+ 6FALL1 & X USU,Y DOES1 ON
HM4
  ,:5 WE GOT HOME1 HE %[$ ME ALL ! /ATS
Z 6:Y ! PRICE ( OIL 0 GO+ 6G UP OV] !
NEXT FEW YE>S4 ,/ATI/ICS ,I _H N"E SE5
2F1 EV5 ?\< ,I ALR [N$ A SUB/ANTIAL %>E
BLOCK ( AN EXI/+ OIL -PANY4 ,) T 9=M,N1
,I IMMLY 2GAN LOOK+ =& F.D A NEW "UVALU$
OIL -PANY T 0 AB 6F9D "S OIL DEPOSITS4
,MY BROK] 0 EXCIT$ AB ? NEW -PANY1 & ,I
B"\ #AE1JJJ %>ES = #FE C5TS P] %>E4
  ,9 ,FEBRU>Y #AIIG1 ? SAME FR & ,I
DROVE 0! SAME GAS /,N1 & SURE 5\<1 !
PRICE P] GALLON _H G"O UP N1TLY #AE
P]C5T4 ,AG1 ! 8,*ICK5 ,LL0 WORRI$ &
-PLA9$4 ,I SMIL$ 2C 9 ,JANU>Y #AIIG1 T
LL OIL -PANY HIT OIL & ^? #AE1JJJ %>ES
W5T UP 6M ?AN 4#C P] %>E S9CE HE _H F/
GIV5 ME ! TIP4 ,&! PRICE ( GAS W 3T9UE
6G UP IF :AT MY FR SAYS IS TRUE4
  ,9/1D ( ANALYZ+1 _! LL *ICK5 CLOSES _!
M9D4 ,IF MO/ P "U/OOD H[ A 8/OP0 "W$ 9
/OCK-M>KET 9VE/+1 "! WD 2 M P 9VE/+ 6W9
9/1D ( 9VE/+ N 6LOSE4 ,A 8/OP0 IS SIMPLY
A -PUT] -M& T SELLS YR /OCK AUTOMATIC,Y
IF ! PRICE 2G9S 6DROP1 HELP+ 6M9IMIZE YR
LOSSES & MAXIMIZE "S GA9S4 ,X'S A GRT
TOOL = ^? :O >E T]RIFI$ ( LOS+4
  ,S :5"E ,I HE> P FOCUS+ ON _! 8,I
DON'T WANTS10 R ?AN :AT !Y D WANT1 ,I "K
! 8NOISE0 9 _! H1D M/ 2 L\D4 ,*ICK5 ,LL
HAS TAK5 OV] _! BRA9 & IS YELL+1 8,! SKY
IS FALL+ & TOILETS >E BR1K+40 ,S !Y
AVOID _! 8DON'T WANTS10 B !Y PAY A HUGE
PRICE4 ,!Y MAY N"E GET :AT !Y WANT 9
LIFE4
  ,RI* DAD GAVE ME A WAY ( LOOK+ AT
,*ICK5 ,LL4 8,J D :AT ,COLONEL ,S&]S
DID40 ,AT ! AGE ( #FF1 HE LO/ 8 BUSI;S &
2GAN 6LIVE ON 8 ,SOCIAL ,SECUR;Y *ECK4
,X WASN'T 5\<4 ,HE W5T >.D ! C.TRY SELL+
8 RECIPE = FRI$ *ICK54 ,HE 0 TURN$ D[N
#A1JJI "TS 2F "S"O SD 8YES40 ,& HE W5T
ON 62COME A MULTIMILLIONAIRE AT AN AGE
:5 MO/ P >E QUITT+4 8,HE 0 A BRAVE &
T5ACI\S MAN10 RI* DAD SD ( ,H>LAN ,S&]S4
  ,S :5 Y'RE 9 D\BT & FEEL+ A LL AFRAID1
J D :AT ,COL4 ,S&]S DID 6HIS LL *ICK54
,HE FRI$ X4

    ,R1SON ,NO4 #C4 ,LAZI;S4
  ,BUSY P >E (T5 ! MO/ LAZY4 ,WE H ALL
HE>D /ORIES (A BUSI;SMAN :O "WS H>D 6E>N
M"OY4 ,HE "WS H>D 6BE A GD PROVID] = 8
WIFE & *N4 ,HE SP5DS L;G H\RS AT ! (FICE
& BR+S "W HOME ON WEEK5DS4 ,"O "D HE -ES
HOME 6AN EMPTY H\SE4 ,8 WIFE HAS LEFT )!
KIDS4 ,HE KNEW HE & 8 WIFE _H PRO#MS1 B
R ?AN "W 6MAKE ! REL,N%IP /R;G1 HE /AY$
BUSY AT "W4 ,4MAY$1 8 P]=M.E AT "W SLIPS
& HE LOSES 8 JOB4 ,TD1 ,I (T5 MEET P :O
>E TOO BUSY 6TAKE C>E ( _! W1L?4
  ,& "! >E P TOO BUSY 6TAKE C>E ( _!
H1L?4 ,! CAUSE IS ! SAME4 ,!Y'RE BUSY1 &
!Y /AY BUSY Z A WAY ( AVOID+ "S?+ !Y D N
WANT 6FACE4 ,NOBODY HAS 6TELL !M4 ,DEEP
D[N !Y "K4 ,9 FACT1 IF Y REM9D !M1 !Y
(T5 RESPOND ) ANG] OR IRRIT,N4
  ,IF !Y >5'T BUSY AT "W OR )! KIDS1
!Y'RE (T5 BUSY WAT*+ ,,TV1 FI%+1 PLAY+
GOLF OR %OPP+ @4 ,YET1 DEEP D[N !Y "K !Y
>E AVOID+ "S?+ IMPORTANT4 ,T'S ! MO/
-MON =M ( LAZI;S4 ,LAZI;S 0/AY+ BUSY4
  ,S :AT IS ! CURE = LAZI;S8 ,! ANSW] IS
A LL GRE$4
  ,= _M ( U1 WE 7 RAIS$ ?9K+ ( GRE$ OR
DESIRE Z BAD4 8,GRE$Y P >E BAD P10 MY
MOM USE 6SAY4 ,YET1 WE ALL H 9SIDE ( U ?
YE>N+ 6H NICE ?+S1 NEW ?+S OR EXCIT+
?+S4 ,S 6KEEP T EMO;N ( DESIRE "U 3TROL1
(T5 P>5TS F.D WAYS ( SUPPRESS+ T DESIRE
) GUILT4
  8,Y ONLY ?9K AB YRF4 ,DON'T Y "K Y H
BRO!RS & SI/]S80 0 "O ( MY MOM'S
FAVORITES4 ,OR 8,Y WANT ME 6BUY Y :AT80
0 A FAVORITE ( MY DAD4 8,D Y ?9K WE'RE
MADE ( M"OY8 ,D Y ?9K M"OY GR[S ON
TREES8 ,WE'RE N RI* P1 Y "K40
  ,X WASN'T S M* ! ^WS B ! ANGRY GUILT-
TRIP T W5T )! ^WS T GOT 6ME4
  ,OR ! REV]SE GUILT-TRIP 0 ! 8,I'M
SACRIFIC+ MY LIFE 6BUY ? = Y4 ,I'M BUY+
? = Y 2C ,I N"E _H ? ADVANTAGE :5 ,I 0 A
KID40 ,I H A NEI<BOR :O IS /"O BROKE1 B
C'T P>K 8 C> 9 8 G>AGE4 ,! G>AGE IS
FILL$ ) TOYS = 8 KIDS4 ,^? SPOIL$ BRATS
GET "EY?+ !Y ASK =4 8,I DON'T WANT !M
6"K ! FEEL+ ( WANT0 >E 8 "EY"D ^WS4 ,HE
HAS NO?+ SET ASIDE = _! COLLEGE OR 8
RETIRE;T1 B 8 KIDS H E TOY "E MADE4 ,HE
REC5TLY GOT A NEW CR$IT C>D 9 ! MAIL &
TOOK 8 KIDS 6VISIT ,LAS ,VEGAS4 8,I'M
DO+ X =! KIDS10 HE SD ) GRT SACRIFICE4
  ,RI* DAD =BADE ! ^WS 8,I C'T AF=D X40
  ,9 MY R1L HOME1 T'S ALL ,I HE>D4
,9/1D1 RI* DAD REQUIR$ 8 *N 6SAY1 8,H[ C
,I AF=D X80 ,8 R1SON+1 ! ^WS 8,I C'T
AF=D X0 %UT D[N YR BRA94 ,X DIDN'T H
6?9K ANYMORE4 8,H[ C ,I AF=D X80 OP5$ UP
! BRA94 ,=C$ X 6?9K & SE>* = ANSW]S4
  ,B MO/ IMPORTANTLY1 HE FELT ! ^WS 8,I
C'T AF=D X0 7 A LIE4 ,&! HUMAN _S KNEW
X4 8,! HUMAN _S IS V1 V1 P[];L10 HE WD
SAY4
  8,X "KS X C D ANY?+40 ,0HAV+ A LAZY
M9D T SAYS1 8,I C'T AF=D X10 A W> BR1KS
\ 9SIDE Y4 ,YR _S IS ANGRY1 & YR LAZY
M9D M/ DEF5D XS LIE4 ,! _S IS SCR1M+1
8,-E ON4 ,LET'S G 6! GYM & "W \40 ,&!
LAZY M9D SAYS1 8,B ,I'M TIR$4 ,I "W$
RE,Y H>D TD40 ,OR ! HUMAN _S SAYS1 8,I'M
SICK & TIR$ ( 2+ POOR4 ,LET'S GET \ "! &
GET RI*40 ,6: ! LAZY M9D SAYS1 8,RI* P
>E GRE$Y4 ,2SS X'S TOO M* BO!R4 ,X'S N
SAFE4 ,I MI<T LOSE M"OY4 ,I'M "W+ H>D 5
Z X IS4 ,I'VE GOT TOO M* 6D AT "W
ANYWAY4 ,LOOK AT :AT ,I H 6D TN4 ,MY
BOSS WANTS X F9I%$ 0! MORN+40
  8,I C'T AF=D X0 AL BR+S UP SAD;S4 ,A
HELP.S;S T L1DS 6DESPOND5CY & (T5
DEPRES.N4 8,APA?Y0 IS ANO!R ^W4 8,H[ C
,I AF=D X80 OP5S UP POSSIBILITIES1
EXCITE;T & DR1MS4 ,S RI* DAD 0 N S 3C]N$
AB :AT Y WANT$ 6BUY1 B T 8,H[ C ,I AF=D
X80 CR1T$ A /R;G] M9D &A DYNAMIC _S4
  ,?US1 HE R>ELY GAVE ,MIKE OR ME ANY?+4
,9/1D HE WD ASK1 8,H[ C Y AF=D X80 & T
9CLUD$ COLLEGE1 : WE PD = \RVS4 ,X 0 N !
GOAL B ! PROCESS ( ATTA9+ ! GOAL WE
DESIR$ T HE WANT$ U 6LE>N4
  ,! PRO#M ,I S5SE TD IS T "! >E
MILLIONS ( P :O FEEL GUILTY AB _! GRE$4
,X'S AN OLD 3DI;N+ F _! *ILDHOOD4 ,_!
DESIRE 6H ! F9] ?+S T LIFE (F]S4 ,MO/ H
BE5 3DI;N$ SUBCONSCI\SLY 6SAY1 8,Y C'T H
T10 OR 8,Y'LL N"E AF=D T40
  ,:5 ,I DECID$ 6EXIT ! RAT RACE1 X 0
SIMPLY A "Q4 8,H[ C ,I AF=D 6N"E "W AG80
,& MY M9D 2GAN 6KICK \ ANSW]S & SOLU;NS4
,! H>DE/ "P 0 FI<T+ MY R1L P>5TS' DOGMA
( 8,WE C'T AF=D T40 ,OR 8,/OP ?9K+ ONLY
AB YRF40 ,OR 8,:Y DON'T Y ?9K AB O!RS80
& O!R S* ^WS DESIGN$ 69/ILL GUILT
6SUPPRESS MY GRE$4
  ,S H[ D Y B1T LAZI;S8 ,! ANSW] IS A LL
GRE$4 ,X'S T RADIO /,N ,,WII-FM1 : /&S =
8,:AT'S ,9 ,X-,= ,ME80 ,A P]SON NE$S
6SIT D[N & ASK1 8,:AT'S 9 X = ME IF ,I'M
H1L?Y1 SEXY & GD LOOK+80 ,OR 8,:AT WD MY
LIFE 2 L IF ,I N"E _H 6"W AG80 ,OR 8,:AT
WD ,I D IF ,I _H ALL ! M"OY ,I NE$$80
,)\T T LL GRE$1 ! DESIRE 6H "S?+ BETT]1
PROGRESS IS N MADE4 ,\R _W PROGRESSES 2C
WE ALL DESIRE A BETT] LIFE4 ,NEW 9V5;NS
>E MADE 2C WE DESIRE "S?+ BETT]4 ,WE G
6S*OOL & /UDY H>D 2C WE WANT "S?+ BETT]4
,S :5"E Y F9D YRF AVOID+ "S?+ Y "K Y %D
2 DO+1 !N ! ONLY ?+ 6ASK YRF IS 8,:AT'S
9 X = ME80 ,2 A LL GRE$Y4 ,X'S ! BE/
CURE = LAZI;S4
  ,TOO M* GRE$1 H["E1 Z ANY?+ 9 EXCESS C
BE1 IS N GD4 ,B J REMEMB] :AT ,MI*AEL
,D\GLAS SD 9 ! MOVIE ,WALL ,/REET4
8,GRE$ IS GD40 ,RI* DAD SD X DI6]5TLY3
8,GUILT IS WORSE ?AN GRE$4 ,= GUILT ROBS
! BODY ( XS S\L40 ,& 6ME1 ,EL1NOR
,ROOSEVELT SD X BE/3 8,D :AT Y FEEL 9 YR
HE>T 6BE "R-= Y'LL 2 CRITICIZ$ ANYWAY4
,Y'LL 2 DAMN$ IF Y D1 & DAMN$ IF Y
DON'T40

    ,R1SON ,NO4 #D4 ,HABITS4
  ,\R LIVES >E A REFLEC;N ( \R HABITS M
?AN \R $UC,N4 ,AF SEE+ ! MOVIE ,CONAN1
/>R+ ,>NOLD ,S*W>Z5E7]1 A FR SD1 8,I'D
LOVE 6H A BODY L ,S*W>Z5E7]40 ,MO/ (!
GUYS NO4$ 9 AGREE;T4
  8,I EV5 HE>D HE 0 RE,Y PUNY & SK9NY AT
"O "T10 ANO!R FR A4$4
  8,Y1H1 ,I HE>D T TOO10 ANO!R "O A4$4
8,I HE>D HE HAS A HABIT ( "W+ \ ALM E "D
9 ! GYM40
  8,Y1H1 ,I'LL BET HE HAS TO40
  8,NAH10 SD ! GR\P CYNIC4 8,I'LL BET HE
0 BORN T WAY4 ,2SS1 LET'S /OP TALK+ AB
,>NOLD & GET "S BE]S40
  ,? IS AN EXAMPLE ( HABITS 3TROLL+
2HAVIOR4 ,I REMEMB] ASK+ MY RI* DAD AB !
HABITS (! RI*4 ,9/1D ( ANSW]+ ME \T"R1
HE WANT$ ME 6LE>N "? EXAMPLE1 Z USUAL4
  8,:5 DOES YR DAD PAY 8 BILLS80 RI* DAD
ASK$4
  8,! F/ (! MON?10 ,I SD4
  8,DOES HE H ANY?+ LEFT OV]80 HE ASK$4
  8,V LL10 ,I SD4
  8,T'S ! MA9 R1SON HE /RU7LES10 SD RI*
DAD4 8,HE HAS BAD HABITS40
  8,YR DAD PAYS "EY"O ELSE F/4 ,HE PAYS
HMF LA/1 B ONLY IF HE HAS ANY?+ LEFT
OV]40
  8,: HE USU,Y DOESN'T10 ,I SD4 8,B HE
HAS 6PAY 8 BILLS1 DOESN'T HE8 ,Y'RE SAY+
HE %DN'T PAY 8 BILLS80
  8,( C\RSE N10 SD RI* DAD4 8,I FIRMLY
2LIEVE 9 PAY+ MY BILLS ON "T4 ,I J PAY
MYF F/4 ,2F ,I PAY EV5 ! GOV]N;T40
  8,B :AT HAPP5S IF Y DON'T H 5 M"OY80
,I ASK$4 8,:AT D Y D !N80
  8,! SAME10 SD RI* DAD4 8,I / PAY MYF
F/4 ,EV5 IF ,I'M %ORT ( M"OY4 ,MY ASSET
COLUMN IS F> M IMPORTANT 6ME ?AN !
GOV]N;T40
  8,B10 ,I SD4 8,DON'T !Y -E AF Y80
  8,YES1 IF Y DON'T PAY10 SD RI* DAD4
8,LOOK1 ,I DID N SAY N 6PAY4 ,I J SD ,I
PAY MYF F/1 EV5 IF ,I'M %ORT ( M"OY40
  8,B10 ,I REPLI$4 8,H[ D Y D T80
  8,X'S N H[4 ,! "Q IS ,8,:Y10' 8RI* DAD
SD4
  8,,OK1 :Y80
  8,MOTIV,N10 SD RI* DAD 8,:O D Y ?9K W
-PLA9 L\D] IF ,I DON'T PAY !M-ME OR MY
CR$ITORS80
  8,YR CR$ITORS W DEF9ITELY SCR1M L\D]
?AN Y10 ,I SD1 RESPOND+ 6! OBVI\S4 8,Y
WDN'T SAY ANY?+ IF Y DIDN'T PAY YRF40
  8,S Y SEE1 AF PAY+ MYF1 ! PRESSURE
6PAY MY TAXES &! O!R CR$ITORS IS S GRT T
X =CES ME 6SEEK O!R =MS ( 9COME4 ,!
PRESSURE 6PAY 2COMES MY MOTIV,N4 ,I'VE
"W$ EXTRA JOBS1 />T$ O!R -PANIES1 TRAD$
9 ! /OCK M>KET1 ANY?+ J 6MAKE SURE ^?
GUYS DON'T />T YELL+ AT ME4 ,T PRESSURE
MADE ME "W H>D]1 =C$ ME 6?9K1 & ALL 9
ALL MADE ME SM>T] & M ACTIVE :5 X -ES
6M"OY4 ,IF ,I _H PD MYF LA/1 ,I WD H
FELT NO PRESSURE1 B ,I'D 2 BROKE40
  8,S X IS ! FE> (! GOV]N;T OR O!R P Y
[E M"OY 6T MOTIVATES Y80
  8,T'S "R10 SD RI* DAD4 8,Y SEE1
GOV]N;T BILL COLLECTORS >E BIG BULLIES4
,S >E BILL COLLECTORS 9 G5]AL4 ,MO/ P
GIVE 96^! BULLIES4 ,!Y PAY !M & N"E PAY
!MVS4 ,Y "K ! /ORY (! #IF-P.D W1KL+ :O
GETS S& KICK$ 9 8 FACE80
  ,I NO4$4 8,I SEE T AD = WEI<TLIFT+ &
BODYBUILD+ LESSONS 9 ! -IC BOOKS ALL !
"T40
  8,WELL1 MO/ P LET ! BULLIES KICK S& 9
_! FACES4 ,I DECID$ 6USE ! FE> (! BULLY
6MAKE ME /R;G]4 ,O!RS GET W1K]4 ,=C+ MYF
6?9K AB H[ 6MAKE EXTRA M"OY IS L GO+ 6!
GYM & "W+ \ ) WEI<TS4 ,! M ,I "W MY
M5TAL M"OY MUSCLES \1 ! /R;G] ,I GET4
,N[1 ,I'M N AFRAID ( ^? BULLIES4
  ,I LIK$ :AT RI* DAD 0 SAY+4 8,S IF ,I
PAY MYF F/1 ,I GET F9ANCI,Y /R;G]1 M5T,Y
& FISC,Y40
  ,RI* DAD NO4$4
  8,& IF ,I PAY MYF LA/1 OR N AT ALL1 ,I
GET W1K]4 ,S P L BOSSES1 MANAG]S1 TAX
COLLECTORS1 BILL COLLECTORS & L&"LS PU%
ME >.D ALL MY LIFE4
  ,J 2C ,I DON'T H GD M"OY HABITS40 ,RI*
DAD NO4$4 ,8J L ! #IF-P.D W1KL+40

    ,R1SON ,NO4 #E4 ,>ROG.E4
  ,>ROG.E IS EGO PLUS IGNOR.E4
  8,:AT ,I "K MAKES ME M"OY4 ,:AT ,I
DON'T "K LOSES ME M"OY4 ,E "T ,I H BE5
>ROGANT1 ,I H LO/ M"OY4 ,2C :5 ,I'M
>ROGANT1 ,I TRULY 2LIEVE T :AT ,I DON'T
"K IS N IMPORTANT10 RI* DAD WD (T5 TELL
ME4
  ,I H F.D T _M P USE >ROG.E 6TRY 6HIDE
_! [N IGNOR.E4 ,X (T5 HAPP5S :5 ,I AM
4CUSS+ F9ANCIAL /ATE;TS ) A3.TANTS OR
EV5 O!R 9VE/ORS4
  ,!Y TRY 6BLU/] _! WAY "? ! 4CUS.N4 ,X
IS CLE> 6ME T !Y DON'T "K :AT !Y'RE
TALK+ AB4 ,!Y'RE N LY+1 B !Y >E N TELL+
! TRU?4
  ,"! >E _M P 9 ! _W ( M"OY1 F9.ES &
9VE/;TS :O H ABSOLUTELY NO IDEA :AT
!Y'RE TALK+ AB4 ,MO/ P 9 ! M"OY 9DU/RY
>E J SP\T+ (F SALES PIT*ES L US$-C>
SALESM54
  ,:5 Y "K Y >E IGNORANT 9 A SUBJECT1
/>T $UCAT+ YRF 0F9D+ AN EXP]T 9 ! FIELD
OR F9D A BOOK ON ! SUBJECT4
              ------------

