第24部分(第3/7 頁)

　the　better　your　chances　are　for　profits　with　minimal　risk。　That　is　what　friends　are　for。　And　that　is　financial　intelligence。

4。　MASTER　A　FORMULA　AND　THEN　LEARN　A　NEW　ONE：　The　power　of　learning　quickly。　In　order　to　make　bread；　every　baker　follows　a　recipe；　even　if　it's　only　held　in　their　head。　The　same　is　true　for　making　money。　That's　why　money　is　often　called　〃dough。〃

Most　of　us　have　heard　the　saying　〃You　are　what　you　eat。〃　I　have　a　different　slant　on　the　same　saying。　I　say；　〃You　bee　what　you　study。〃　In　other　words；　be　careful　what　you　study　and　learn；　because　your　mind　is　so　powerful　that　you　bee　what　you　put　in　your　head。　For　example；　if　you　study　cooking；　you　then　tend　to　cook。　You　bee　a　cook。　If　you　don't　want　to　be　a　cook　anymore；　then　you　need　to　study　something　else。 Let's　say；　a　schoolteacher。　After　studying　teaching；　you　often　bee　a　teacher。　And　so　on。　Choose　what　you　study　carefully。

When　it　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　sever