'" And unfortunately, I would say that the saying appfiesTo millions of people. Because school does not think financial intelligence is an intelligence, most workers "live within their means." They work and they pay the bills. There is another horrible management theory that goes, "Workers work hard enough to not be fired, and owners gayjust enough so that workers won't quit." And if you look at the pay scales of most companies, again I would say there is a degree of truth in that statement. The net result is that most workers never get ahead. They do what they've been taught to do: "Get a secure job." Most workers focus on working for pay and benefits that reward them in the short term, but this is often disas- trous in the long run. Instead I recommend to young people to seek work for what they will learn, more than what they will earn. Look down the road at what skills they wanliojjcjjujre before choosing a specific profession and before getting trapped in the "Rat Race." Once people are trapped in the lifelong process of bill paying, they become like those little hamsters running around in those little metal wheels. Their little furry legs are spinning furiously, the wheel is turning furiously, but long view of their life. Instead of simply working for the money and security, which I admit are important, I suggest they take a second job that will teach them a second skill. Often I recommend joining a network marketing company, also called multilevel marketing, if they want to learn sales skills. Some of these companies have excellent training programs that hejjvpeople get over their fear of fajlure and rejection, which are the main reasons people areunsuc- cessful. Education is more valuable than money7~in the long run. When I offer this suggestion, I often hear in response, "Oh that is too much hassle," or "I only want to do what I am interested in." To the statement of "It's too much of a hassle," I ask, "So you would rather work all your life giving 50 percent of what you earn to the government?" To the other state- ment-"I only do what I am interested in"-I say, "I'm not interested in going to the gym, but I go because I want to feel better and live longer." Unfortunately, there is some truth to the old statement ""You can't teach an old dog new tricks." Unless a person is used to changing, it's hard to change. But for those of you who might be on the fence when it comes to the idea of working to learn something new, I offer this word of encouragement: Life is much like going to the gym. The most painful part is deciding to go. Once you get past that, it's easy. There have been many days I have dreaded going to the gym, but once I am there and in motion, it is a pleasure. After the workout is over, I am always glad I talked myself into going. If you are unwilling to work to learn something new and insist on, instead, becoming highly specialized within suiting firm and met with a managing director who spc cializes in designing lush retirement plans for top manage ment.