e。　Play　it　safe；　but　start　early。 Start　accumulating　your　nest　egg　early　because　it　will　take　time。

But　if　you　have　dreams　of　freedom…of　getting　out　of　the　rat　race…　the　first　question　to　ask　yourself　is；　〃How　do　I　respond　to　failure？〃　If　failure　inspires　you　to　win；　maybe　you　should　go　for　it…but　only　maybe。　If　failure　makes　you　weak　or　causes　you　to　throw　temper　tantrums…like　spoiled　brats　who　call　an　attorney　to　file　a　lawsuit　every　time　something　does　not　go　their　way…then　play　it　safe。　Keep　your　daytime　job。　Or　buy　bonds　or　mutual　funds。　But　remember；　there　is　risk　in　those　financial　instruments　also；　even　though　they　are　safer。

I　say　all　this；　mentioning　Texas　and　Fran　Tarkenton；　because　stacking　the　asset　column　is　easy。　It's　really　a　low…aptitude　game。　It　doesn't　take　much　education。　Fifth…grade　math　will　do。　But　staking　the　asset　column　'J　is　a　high…attitude　game。　It　takes　guts；　patience　and　a　great　attitude　toward　failure。　Losers　avoid　failing。　And　failure　turns　losers　into　winners。''　Just　remember　the　Alamo。

Reason　No。　2。　Overing　cynicism。　〃The　sky　is　falling。　The　sky　is　falling。〃　Most　of　us　know　the　story　of　〃Chicken　Little；〃　who　ran　around　warning　the　barnyard　of　impending　doom。　We　all　know　people　who　are　that　way。　But　we　all　have　a　〃Chicken　Little〃　inside　each　of　us。

And　as　I　stated　earlier；　the　cynic　is　really　a　little　chicken。　We　all　get　a　little　chicken　when　fear　and　doubt　cloud　our　thoughts。

All　of　us　have　doubts。 〃I'm　not　smart。〃　〃I'm　not　good　enough。〃　〃So　'　and　so　is　better　than　me。〃　Or　our　doubts　often　paralyze　us。　We　play　the。　｜　〃What　if？〃　game。 〃What　if　the　economy　crashes　right　after　I　invest？〃　Or　〃What　if　I　lose　control　and　I　can't　pay　the　money　back？〃　〃What　if　things　don't　go　as　I　planned？〃　Or　we　have　f