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05/15 neelkantha
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Even before I had some minor success with a couple of startups, I had moved from just below the poverty line to reasonable comfort, with a house, a year's expenses in savings, and no debt (other than a house mortgage). I've learned a few things, some in classes, some in the college of hard knocks. I've also had a little help along the way from relatives, some of it purely one-sided, and some of it mutually beneficial. I would like to pass on this information to those of you who are just getting started in life. (Some of this advice will be valuable to those of you who aren't just getting started in life, too.) The most valuable three hours I think I have ever spent was at a free financial planning class in Irvine in 1985. It was, quite literally, free. Yes, they were trying to sell us on paying for a more comprehensive class, but what I learned in those three hours, in retrospect, was worth $10,000 to me. What I learned there was freely given, and I give it to you freely as well.
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