There is a baseball pitcher There Is a Need who makes more than $4 million a year even though he has been labeled 'mentally challenged.' " There was a long silence between us. It was dawning on me that I was giving my son the same advice my par- ents had given me. The world around us has changed, but the advice hasn't. Getting a good education and making good grades no j longer ensures success, and nobody seems to have no- ticed, except "Mom," he continued, "I don't want to work as hard as you and dad do. You make a lot of money, and we live in a huge house with lots of toys. If I follow your advice, I'll wind up like you, working harder and harder only tojpay more-taxes and wind up in debt. There is no job security anymore; I know all about downsizing and rightsizing. I also know that college graduates today earn less than you did when you graduated. Look at doctors. They don't make nearly as much money as they used to. I know I can't rely on Social Security or company pensions for retirement. I need new answers." He was right. He needed new answers, and so did I. My parents' advice may have worked for people born before 1945, but it may be disastrous for those of us born into a rapidly changing world. No longer can I simply say to my children, "Go to school, get good grades, and look for a safe, secure job." I knew I had to look for new ways to guide my chil- dren's education. As a mother as well as an accountant, I have been con- cerned by the lack of financial education our children re- ceive in school. Many of today's youth have credit cards before they leave high school, yet they have never had a Rich Dad, Poor Dad course in money or how to invest it, let alone understand how compound interest works on credit cards. Simply put, without financial literacy and the toowledge_ ofjiow moneyworksJiey are notjjrepared to face the jworidjhat awaits them, a world in which spending is emphasized oversavings. When my oldest son became hopelessly in debt with his credit cards as a freshman in college, I not only helped him destroy the credit cards, but I also went in search of a pro- gram that would help me educate my children on financial matters. One day last year, my husband called me from his of- fice. "I have someone I think you should meet," he said. "His name is Robert Kiyosaki. He's a businessman and in- vestor, and he is here applying for a patent on an educa- tional product. I think it's what you have been looking for." Just What I Was Looking For My husband, Mike, was so impressed with .CASHFLOW, the new educational product that RobjJosatijvas de- veloplnThar us to participate in a test of the prototype. Because it was an educational game, I also asked my 19-year-old daughter, who was a freshman at a local university, if she would like to take part, and she agreed. About fifteen people, broken into three groups, partici- pated in the test. Mike was right.