Unfortunately, money is more often misused and abused than used intelligently. Most people haven't figured out how to use money wisely to truly enhance their lives. Most, it seems, act rationally with their money only when they can't dream up any more irrational ways to spend it. To be sure, financial insanity has developed its own big following including you and me.

People who observe no limits in attempting to get work done aren't nearly as smart as they think. Hard work can be done by any fool. But to be highly productive, and still have plenty of time to rest and play, this is where true genius resides.

Contrary to popular belief, prosperity is an emotional state that has little to do with your wealth or the state of the economy. You can feel more prosperous in a one-room cottage than most wealthy people feel in a twenty-room mansion. Misers will hoard a lot of money and spendthrifts will spend whatever they have - you don't have to do either to feel prosperous. You may have to give up your secure, high-paying corporate job, however - and grow spiritually in the process.

Two people look at the same Exercise above: One sees "Opportunity Is Nowhere" and one sees "Opportunity Is Now Here."

The best advice that anyone can give you for choosing a specific career is never to accept someone else's advice. Indeed, one of the biggest reasons for choosing the career you have chosen should be that no one told you to.

Don't believe you have to travel far and wide to discover opportunities. The best opportunities will always be found in your own back yard, and not half way around the world in someone else's backyard. You have to look for them, however.

Why waste so much time, energy, and money trying to buy the biggest house that your credit rating will allow? Truth be known, a small house can hold as much happiness as a large one. Sometimes it will hold even more.