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So wise investors must look at more than ROI； it's the assets you get for free once you get your money back。 That is financial intelligence。 ：
8。 ASSETS BUY LUXURIES： The power of focus。 A friend's child has been developing a nasty habit of burning a hole in his pocket。 Just 16； he naturally wanted his own car。 The excuse； 〃All his friends' parents gave their kids cars。〃 The child wanted to go into｜
his savings and use it for a down payment。 That was when his father called me。 〃Do you think I should let him do it； or should I just do as other parents do and just buy him a car？〃
To which I answered。 〃It might relieve the pressure in the short term； but what have you taught him in the long term？ Can you use this desire to own a car and inspire your son to learn something？〃 Suddenly the lights went on； and he hurried home。
Two months later I ran into my friend again。 〃Does your son have his new car？〃 I asked。
〃No； he doesn't。 But I went and handed him 3；000 for the car。 I told him to use my money instead of his college money。〃 〃Well； that's generous of you；〃 I said。
〃Not really。 The money came with a hitch。 I took your advice of using his strong desire to buy a car and use that energy so he could learn something。〃
〃So what was the hitch？〃 I asked。
〃Well； first we broke out your game again； CASHFLOW。 We played it and had a long discussion about the wise use of money。 I then gave him a subscription to the Wall Street Journal； and a few books on the stock market。〃
〃Then what？〃 I asked。 〃What was the catch？〃
〃I told him the 3；000 was his； but he could not directly buy a car with it。 He could use it to buy and sell stocks； find his own stockbroker； and once he had made 6；000 with the 3；000； the
