Bang! An explosion went off in my head as real as if a shotgun had gone off next to my ear. I sat straight up in my bed. Having clarity at 5 A.M. is not easy, but this was different. I was awakened from a deep and restful sleep. The sound in my head had not startled me. It had started me. I realized at that moment, “I get it! I understand! I am DUMB Enough To Be RICH!” As I sat on my bed, a feeling of pure adrenaline rushed through me, and at the same time there was a sense of calm. I knew at that moment everything was going to be OK.

Frustration and anxiety had built up for the past twelve years. Having worked as a stockbroker at a leading firm and then moved into the financial services arena of a major savings and loan, I was ...

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