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第11部分（第1页）

s　is　looking　for　the　plot；　the　story。　The　story　of　where　the　cash　is　flowing。　In　80　percent　of　most　families；　the　financial　story　is　a　story　of　working　hard　in　an　effort　to　get　ahead。　　Not　because　they　dont　make　money。　But　because　they　spend　their　lives　buying　liabilities　instead　of　assets。

For　instance；　this　is　the　cash　flow　pattern　of　a　poor　person；　or　a　young　person　still　at　home：

Job　（provides　ine）…》　Expenses（Taxes　Food　Rent　Clothes　Fun　Transportation）

Asset　（none）

Liability　（none）

This　is　the　cash　flow　pattern　of　a　person　in　the　middle　class：

Job　（provides　ine）…》　Expenses（Taxes　Food　Mortgage　Clothes　Fun　Transportation）

Asset　（none）

Liability　（Mortgage　Consumer　loans　Credit　Cards）

This　is　the　cash　flow　pattern　of　a　wealthy　person：

Assets（stocks　bonds　notes　real　estate　intellectual　property）…》ine　（dividends　interest　rental　ine　royalties）

Liabilities　（none）

All　of　these　diagrams　were　obviously　oversimplified。　Everyone　has　living　expenses；　the　need　for　food；　shelter　and　clothing。

The　diagrams　show　the　flow　of　cash　through　a　poor；　middle　class　or　wealthy　persons　life。　It　is　the　cash　flow　that　tells　the　story。　It　is　the　story　of　how　a　person　handles　their　money；　what　they　do　after　they　get　the　money　in　their　hand。

The　reason　I　started　with　the　story　of　the　richest　men　in　America　is　to　illustrate　the　flaw　in　the　thinking　of　so　many　people。　The　flaw　is　that　money　will　solve　all　problems。　That　is　why　I　cringe　whenever　1　hear　people　ask　me　how　to　get　rich　quicker。　　Or　where　do　they　start？　I　often　hear；　〃Im　in　debt　so　I　need　lo　make　more　money。〃

But　more　money　will　often　not　solve　the　problem；　in　fact；　it　may　actually　accelerate　the　problem。　Money　often　makes　obvious　our　tragic　human　flaws。　　Money　often　puts　a　spotlight　on　what　we　do　not　know。　That　is　why；　all　too　often；　a　person　who　es　into　a　sudden　windfall　of　cash…lets　say　an　inheritance；　a　pay　raise　or　lottery　winnings…soon　returns　to　the　same　financial　mess；　if　not　worse　than　the　mess　they　were　in　before　they　received　the　money。　　Money　only　accentuates　the　cash　flow　pattern　running　in　your　head。　　If　your　pattern　is　to　spend　everything　you　get；　most　likely　an　increase　in　cash　will　just　result　in　an　increase　in　spending。　Thus；　the　saying；　〃A　fool　and　his　money　is　one　big　party；〃　I　have　said　many　times　that　we　go　to　school　to　gain　scholastic　skills　and　professional　skills；　both　important。　We　learn　to　make　money　with　our　professional　skills。　In　the　1960s；　when　I　was　in　high　school；　if　someone　did　well　in　school　academically；　almost　immediately　people　assumed　this　bright　student　would　go　on　to　be　a　medical　doctor。　　Often　no　one　asked　the　child　if　they　wanted　to　be　a　doctor。　　It　was　assumed。　　It　was　the　profession　with　the　promise　of　the　greatest　financial　reward。

Today；　doctors　are　facing　financial　challenges　I　would　not　wish　on　my　worst　enemy；　insurance　panies　taking　control　of　the　business；　managed　health　care；　government　intervention；　and　malpractice　suits；　to　name　a　few。　Today；　kids　want　to　be　basketball　stars；　golfers　like　Tiger　Woods；　puter　nerds；　movie　stare；　rock　stars；　beauty　queens；　or　traders　on　Wall　Street。　　Simply　because　that　is　where　the　fame；　money　and　prestige　is。　That　is　the　reason　it　is　so　hard　to　motivate　kids　in　school　today。　They　know　that　professional　success　is　no　longer　solely　linked　to　academic　success；　as　it　once　was。

Because　students　leave　school　without　financial　skills；　millions　of　educated　people　pursue　their　profession　successfully；　but　later　find　themselves　struggling　financially。　They　work　harder；　but　dont　get　ahead。　What　is　missing　from　their　education　is　not　how　to　make　money；　but　how　to　spend　money…what　to　do　after　you　make　it。　　Its　called　financial　aptitude…what　you　do　with　the　money　once　you　make　it；　how　to　keep　people　from　taking　it　from　you；　how　long　you　keep　it；　and　how　hard　that　money　works　for　you。　Most　people　cannot　tell　why　they　struggle　financially　because　they　dont　understand　cash　flow。　A　person　can　be　highly　educated；　professionally　successful　and　financially　illiterate。　These　people　often　work　harder　than　they　need　to　because　they　learned　how　to　work　hard；　but　not　how　to　have　their　money　work　for　them。

The　story　of　bow　the　quest　for　a　Financial　Dream　turns　into　a　financial　nightmare。　The　moving…picture　show　of　hard…working　people　has　a　set　pattern。　Recently　married；　the　happy；　highly　educated　young　couple　move　in　together；　in　one　of　their　cramped　rented　apartments。　　　Immediately；　they　realize　that　they　are　saving　money　because　two　can　live　as　cheaply　as

one。

The　problem　is；　the　apartment　is　cramped。　　They　decide　to　save　money　to　buy　their　dream　home　so　they　can　have　kids。　They　now　have　two　ines；　and　they　begin　to　focus　on　their　careers。

Their　ines　begin　to　increase。

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