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But there is one distinction that I would like to point out。 I've noticed that my friends with money talk about money。 And I do not mean brag。 They're interested in the subject。 So I learn from them; and they learn from me。 My friends; whom I know are in dire straits financially; do not like talking about money; business or investing。 They often think it rude or unintellectual。 So I also learn from my friends who struggle financially。 I find out what not to do。

I have several friends who have generated over a billion dollars in their short lifetimes。 The three of them report the same phenomenon: Their friends who have no money have never e to them to ask them how they did it。 But they do e asking for one of two things; or both: 1。 a loan; or 2。 a job。

A WARNING: Don't listen to poor or frightened people。 I have such friends; and I love them dearly; but they are the 〃Chicken Littles〃 of life。 When it es to money; especially investments; 〃The sky is always falling。〃 They can always tell you why something won't work。 The problem is; people listen to them; but people who blindly accept doom…and…gloom information are also 〃Chicken Littles。〃 As that old saying goes; 〃Chickens of a feather agree together。〃

If you watch CNBC; which is a goldmine of investment information; they often have a panel of so…called 〃experts。〃 One expert will say the market is going to crash; and the other will say it's going to boom。 If you're smart; you listen to both。 Keep your mind open because both have valid points。 Unfortunately; most poor people listen to 〃Chicken Little。〃

I have had more close friends try to talk me out of a deal or an investment。 A few years ago; a friend told me he was excited because he found a 6 percent certificate of deposit。 I told him I

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