Yo, today's QOD is Tough times don't last.

Tough people do.

Here we go. Welcome back to the quote of the day.

I'm your host, Sean Croxton, and Sean Croxton.com.

We got Melody Hobson on the show today.

She is the president and co-CEO of Ariel Investments, and she is going to discuss something that we all bump into at some point in our lives, which is the realization that school didn't teach us how to save, invest, or manage our money.

And that can be very frustrating because you have to come to grips with the fact that you're

going to have to do it all by yourself.

That you're going to have to learn information that you probably should have learned a long time ago,

that you're going to have to take some risk and do things that are very, very uncomfortable

that you're simply just not accustomed to because nobody around you was doing these things

when you were coming up.

And Melody is no different.

She is a master of money right now, but she used to be just like most of us with no exposure to these things and feeling the overwhelm of it all.

So today she's going to share three life-changing quotes that helped her to overcome the overwhelm and to take responsibility for her journey

toward financial independence and leadership. Melody Hobson's coming up.

We don't learn about investing in school in America in most schools. And it's one of these things

that boggles the mind.

I always tell people that it's amazing to me that in high school today, you can take wood

shop or auto as an elective and not take a class on investing.

And it always leads me to ask people a very simple question, who whittles in their spare

time? Who cleans their own carburetor?

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