offs　and　downsizing。

So　why　bother　developing　your　financial　IQ？　No　one　can　answer　that　but　you。　Yet；　I　can　tell　you　why　I　myself　do　it。 I　do　it　because　it　is　the　most　exciting　time　to　be　alive。　I'd　rather　be　weling　change　than　dreading　change。 I'd　rather　be　excited　about　making　millions　than　worrying　about　not　getting　a　raise。　This　period　we　are　in　now　is　a　most　exciting　time；　unprecedented　in　our　world's　history。　Generations　from　now；　people　will　look　back　at　this　period　of　time　and　remark　at　what　an　exciting　era　it　must　have　been。　It　was　the　death　of　the　old　and　birth　of　the　new。　It　was　full　of　turmoil　and　it　was　exciting。

So　why　bother　developing　your　financial　IQ？　Because　if　you　do；　you　will　prosper　greatly。　And　if　you　don't；　this　period　of　time　will　be　a　frightening　one。　It　will　be　a　time　of　watching　people　move　boldly　forward　while　others　cling　to　decaying　life　rings。

Land　was　wealth　300　years　ago。　So　the　person　who　owned　the　land　owned　the　wealth。　Then；　it　was　factories　and　production；　and　America　rose　to　dominance。　The　industrialist　owned　the　wealth。　Today；　it　is　information。　And　the　person　who　has　the　most　timely　information　owns　the　wealth。　The　problem　is；　information　flies　all　around　the　world　at　the　speed　of　light。　The　new　wealth　cannot　be　contained　by　boundaries　and　borders　as　land　and　factories　were。　The　changes　will　be　faster　and　more　dramatic。　There　will　be　a　dramatic　increase　in　the　number　of　new　multimillionaires。　There　also　will　be　those　who　are　left　behind。

Today；　I　find　so　many　people　struggling；　often　working　harder；　simply　because　they　cling　to　old　ideas。　They　want　things　to　be　the　way　they　were；　they　resist　change。 I　know　people　who　are　losing　their　jobs　or　their　houses；　and　they　blame　technology　or　the　economy