What　this　phrase　means　is　that　most　people　need　only　to　learn　and　master　one　more　skill　and　their　ine　would　jump　exponentially。

　I　have　mentioned　before　that　financial　intelligence　is　a　synergy　of　accounting；　investing；　marketing　and　law。

　bine　those　four　technical　skills　and　making　money　with　money　is　easier。

　When　it　es　to　money；　the　only　skill　most　people　know　is　to　work　hard。

The　classic　example　of　a　synergy　of　skills　was　that　young　writer　for　the　newspaper。

　If　she　diligently　learned　the　skills　of　sales　and　marketing；　her　ine　would　jump　dramatically。

　If　I　were　her；　I　would　take　some　courses　in　advertising　copywriting　as　well　as　sales。

　Then；　instead　of　working　at　the　newspaper；　I　would　seek　a　job　at　an　advertising　agency。

　Even　if　it　were　a　cut　in　pay；　she　would　learn　how　to　municate　in　〃short　cuts〃　that　are　used　in　successful　advertising。

　She　also　would　spend　time　learning　public　relations；　an　important　skill。

　She　would　learn　how　to　get　millions　in　free　publicity。

　Then；　at　night　and　on　weekends；　she　could　be　writing　her　great　novel。

　When　it　was　finished；　she　would　be　better　able　to　sell　her　book。

　Then；　in　a　short　while；　she　could　be　a　〃best…selling　author。

〃

When　I　first　came　out　with　my　first　book　If　You　Want　To　Be　Rich　and　Happy；　Dont　Go　to　School？　a　publisher　suggested　I　change　the　tide　to　The　Economics　of　Education。

　I　told　the　publisher　that　with　a　title　like　that；　I　would　sell　two　books：　one　to　my　family　and　one　to　my　best　friend。

　The　problem　is；　they　would　expect　it　for　free。

　The　obnoxious　title　If　You　Want　To　Be　Rich　and　Happy；　Dont　Go　to　School？　was　chosen　because　we　knew　it　would　get　tons　of　publicity。

　I　am　pro…education　and　believe　in　education　reform。

　　Otherwise；　why　would　I　continue　to　press　for　changing　our　antiquated　educational　system？　So　I　chose　a　title　that　would　get　me　on　more　TV　and　radio　shows；　simply　because　I　was　willing　to　be　controversial。

　Many　people　thought　I　was　a　fruitcake；　but　the　book　sold　and　sold。

When　I　graduated　from　the　U。

S。

　Merchant　Marine　Academy　in　1969；　my　educated　dad　was　happy。

　Standard　Oil　of　California　had　hired　me　for　its　oil…tanker　fleet。

　I　was　a　third　mate；　and　the　pay　was　low　pared　with　my　classmates；　but　it　was　OK　for　a　first　real　job　after　college。

　My　starting　pay　was　about　42；000　a　year；　including　overtime；　and　I　only　had　；　to　work　for　seven　months。

　I　had　five　months　of　vacation。

　If　I　had　wanted　to；　I　could　have　taken　the　run　to　Vietnam　with　a　subsidiary　shipping　pany；　and　easily　doubled　my　pay　instead　of　taking　the　five　J　months　vacation。

I　had　a　great　career　ahead　of　me；　yet　I　resigned　after　six　months　with　the　pany　and　joined　the　Marine　Corps　to　learn　how　to　fly。

　My　educated　dad　was　devastated。

　Rich　dad　congratulated　me。

In　school　and　in　the　workplace；　the　popular　opinion　is　the　idea　of　〃specialization。

〃　That　is；　in　order　to　make　more　money　or　get　promoted；　you　need　to　〃specialize。

〃　That　is　why　medical　doctors　immediately　begin　to　seek　a　specialty　such　as　orthopedics　or　pediatrics。