s　our　tragic　human　flaws。 Money　often　puts　a　spotlight　on　what　we　do　not　know。　That　is　why；　all　too　often；　a　person　who　es　into　a　sudden　windfall　of　cash…let's　say　an　inheritance；　a　pay　raise　or　lottery　winnings…soon　returns　to　the　same　financial　mess；　if　not　worse　than　the　mess　they　were　in　before　they　received　the　money。 Money　only　accentuates　the　cash　flow　pattern　running　in　your　head。 If　your　pattern　is　to　spend　everything　you　get；　most　likely　an　increase　in　cash　will　just　result　in　an　increase　in　spending。　Thus；　the　saying；　〃A　fool　and　his　money　is　one　big　party；〃　I　have　said　many　times　that　we　go　to　school　to　gain　scholastic　skills　and　professional　skills；　both　important。　We　learn　to　make　money　with　our　professional　skills。　In　the　1960s；　when　I　was　in　high　school；　if　someone　did　well　in　school　academically；　almost　immediately　people　assumed　this　bright　student　would　go　on　to　be　a　medical　doctor。 Often　no　one　asked　the　child　if　they　wanted　to　be　a　doctor。 It　was　assumed。 It　was　the　profession　with　the　promise　of　the　greatest　financial　reward。

Today；　doctors　are　facing　financial　challenges　I　would　not　wish　on　my　worst　enemy；　insurance　panies　taking　control　of　the　business；　managed　health　care；　government　intervention；　and　malpractice　suits；　to　name　a　few。　Today；　kids　want　to　be　basketball　stars；　golfers　like　Tiger　Woods；　puter　nerds；　movie　stare；　rock　stars；　beauty　queens；　or　traders　on　Wall　Street。 Simply　because　that　is　where　the　fame；　money　and　prestige　is。　That　is　the　reason　it　is　so　hard　to　motivate　kids　in　school　today。　They　know　that　professional　success　is　no　longer　solely　linked　to　academic　success；　as　it　once　was。

Because　students　leave　school　without　financial　skills；　millions　of　educated　people　pursue　their　profession　successfully；　b