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Chapter 9


                                      Developing Your Financial Genius






                I didn’t know I wasn’t smart until I went to school. For seventeen years,

                from kindergarten all the way through college, school was a struggle. I was
                always labeled an average student. No matter which class I was in, there
                were always kids who were smarter, more gifted, and faster learners than

                me. School seemed easy for the smart kids. School was tough for me. The
                only A I ever received was in woodshop because I loved working with my
                hands. I built a boat for my class project while my classmates were making
                salad bowls for their moms.
                    I also didn’t know I was poor until I went to school. When I was nine

                years old, my family moved across town, and I went to a school for rich
                kids.  Interestingly,  there  were  two  elementary  schools  directly  across  the
                street from each other. On one side of the street was Union School. On the

                other side was Riverside School. Both were public schools, one school for
                the rich and the other for the working class.
                    Originally,  Union  School  was  for  the  children  of  the  sugar  plantation
                union workers, hence the school’s name. Riverside was the school for the
                children  of  sugar  plantation  owners  and  managers.  I  attended  Riverside

                School because the house our family lived in happened to be on the side of
                the street next to the river.
                    Even  though  I  was  only  nine,  I  was  aware  that  my  classmates  at

                Riverside School lived at a higher standard of living than my family. Many
                of my rich classmates lived in an isolated community connected by a bridge
                across the river. Every time I crossed that bridge to play with my friends, I
                knew I was crossing into a different world.
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