You have to be good at valuing every cent, because every cent is a money seed. It grows if you plant it and you fertilize it and you weed it and you hoe it. It becomes a money tree. That money tree generates money for you for the rest of your life. It’s on automatic pilot. The second skill you have to learn is how to control it. You have to have a system for having the money flow into your life. The most important fundamental is, do you save money every single month? The money that flows into your life and the money that flows out of your life, is there a surplus every month? No matter what your living expenses are, no matter what your income is, there’s got to be a surplus left over. It may be the hardest thing to do but is absolutely critical for long-term wealth. The third skill is to save the money. Not only to have money left over at the end of month but you have to save, save it. The fourth skill is you’ve got to learn how to invest your money. To realize high rates of dividends Your money must growing at 10% or more. If it’s not growing at 10% or more, you’re never going to get rich. You have to have high rates of return. That means more risk and it means more knowledge on your part. You’ve got to do some studying. You’ve got to do some mentoring with people who really know what they’re doing and you have to increase your rates of return in things like the stock market and bonds and investments etc. etc. The fifth skill is what we call “making it”, how to make money. This is different from investing. To invest is a very passive thing. you can sit behind your computer screen. you don’t have to know who’s on the other side of that computer screen. you don’t have to persuade anybody. you don’t have to sell anything in terms of a product or a service. you just push a few buttons, clicks.