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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.

It is caused by financial illiteracy and not understanding the difference between an asset and a liability. Intelligence solves problems, There is a saying a friend of mine says over and over to people in debt."If you find you have dug yourself into a hole...

stop digging."As a child, my dad often told us that the Japanese were aware of three powers; "The power of the sword, the jewel and the mirror."The sword symbolizes the power of weapons.

The fear of being different prevents most people from seeking new ways to solve their problems.

That is why my educated dad said the Japanese valued the power of the mirror the most, for it is only when we as humans look into the mirror do we find truth.

By the time Mike and I were 16 years old, we began to have problems in school. Mike and I often spent hours after work just sitting at a table with his dad while he held meetings with his bankers, attorneys, accountants, brokers, investors, managers and employees.

Recently married, the happy, highly educated young couple move in together, in one of their cramped rented apartments.Because students leave school without financial skills, millions of educated people pursue their profession successfully, but later find themselves struggling financially. What is missing from their education is not how to make money, but how to spend money-what to do after you make it.

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