Darwin, Thanks so much for stopping by. I guess I missed the one about college because I didn't hear it! What I heard was, "you have to get good grades and get a scholarship, because you have to go to college." So I did, and I got a scholarship, and I got some government grants and loans. And a four-year degree in English, with no teaching certificate! I do admit that my degree has opened doors for me. However, I didn't take Success 101 or Wealth 101. Thanks for the story...I've also seen it attributed to Socrates...that I didn't think to post here, though it's very apropos. Hope you'll join us in other threads as well. Cheri