th　every　dollar　we　get　in　our　hands；　we　hold　the　power　to　choose　our　future　to　be　rich；　poor　or　middle　class。 Our　spending　habits　reflect　who　we　are。 Poor　people　simply　have　poor　spending　habits。

The　benefit　I　had　as　a　boy　was　that　I　loved　playing　Monopoly　constantly。 Nobody　told　me　Monopoly　was　only　for　kids；　so　I　just　kept　playing　the　game　as　an　adult。　I　also　had　a　rich　dad　who　pointed　out　to　me　the　difference　between　an　asset　and　a　liability。 So　a　long　time　ago；　as　a　little　boy；　I　chose　to　be　rich；　and　I　knew　that　all　I　had　to　do　was　learn　to　acquire　assets；　real　assets。　My　best　friend；　Mike；　had　an　asset　column　handed　to　him；　but　he　still　had　to　choose　to　learn　to　keep　it。　Many　rich　families　lose　their　assets　in　the　next　generation　simply　because　there　was　no　one　trained　to　be　a　good　steward　over　their　assets。

Most　people　choose　not　to　be　rich。　For　90　percent　of　the　population；　being　rich　is　〃too　much　of　a　hassle。〃 So　they　invent　sayings　that　go；　〃I'm　not　interested　in　money。〃 Or　〃I'll　never　be　rich。〃　Or　〃I　don't　have　to　worry；　I'm　still　young。〃 Or　〃When　I　make　some　money；　then　I'll　think　about　my　future。〃 Or　〃My　husband/wife　handles　the　finances。〃　The　problem　with　those　statements　is　they　rob　the　person　who　chooses　to

think　such　thoughts　of　two　things：　one　is　time；　which　is　your　most　precious　asset；　and　two　is　learning。　Just　because　you　have　no　money；　should　not　be　an　excuse　to　not　learn。　But　that　is　a　choice　we　all　make　daily；　the　choice　of　what　we　do　with　our　time；　our　money　and　what　we　put　in　our　heads。　That　is　the　power　of　choice。　All　of　us　have　choice。　I　just　choose　to　be　rich；　and　I　make　that　choice　every　day。

INVEST　FIRST　IN　EDUCATION： In　reality；　the　only　real　asset　you　have　is　your　mind；　the　most　powerful　tool　we　have　d