Money is a HUGE part of our life yet schools don’t spend time teaching us how to manage it and most families don’t share their experiences with one another. Without guidance and learning best practices to achieve success, we are set up for FAILURE before we even begin our relationship with money. It seems reasonable to believe that it would be a good idea to acquire some training on how to effectively think about and handle money BEFORE we get started. These are a few basic points about handling and thinking about money that I believe are the FOUNDATION for all other decisions you will ever need to make with money. • Everything is about cash flow • Work to control the outcome • Average rates of return are misleading • The government is not your friend • Unicorns aren’t real. • Banks are not your friends • Projections are made up • Don’t be a consumer • Know the difference between leverage and debt