<HTML><BODY style="word-wrap: break-word; -khtml-nbsp-mode: space; -khtml-line-break: after-white-space; "><BR><DIV><DIV>On Jul 27, 2005, at 8:25 PM, J. Andrew Rogers wrote:</DIV><BR class="Apple-interchange-newline"><BLOCKQUOTE type="cite"><DIV style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; min-height: 14px; "><BR></DIV><DIV style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; ">Nobody said it was easy but the "hard" part revolves almost entirely around</DIV><DIV style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; ">having discipline.<SPAN class="Apple-converted-space"> </SPAN>And discipline is something anyone can develop and</DIV><DIV style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; ">foster, not just the children of rich white people.</DIV></BLOCKQUOTE><BR></DIV><DIV>It is a pity that financial discipline and financial savvy are the things this culture teaches the least. Quite a bit of societal pressure is in the exact opposite direction. Buy now, pay later. Not save and invest now, be rich later. The individual is not solely responsible for his or her abysmal financial condition although mostly only the individual can change it. </DIV><DIV><BR class="khtml-block-placeholder"></DIV><DIV>- samantha</DIV><FONT class="Apple-style-span" color="#0000DD"><BR class="khtml-block-placeholder"></FONT></BODY></HTML>