Financial IQ is a very interesting term because I really believe you're born with a great ability in some cases.

And in some cases you're not born with any ability whatsoever.

No different than in sports where somebody gets up he can just smack a home run or hit a golf ball better or play tennis better.

So you are born with somebody, but you can also learn a lot. You can learn

so much. And that's where financial IQ really comes. And as we discussed in our book, that's

really where it comes together. And I think in our next book, we're going to spend a lot of time

talking about financial IQ because it can really be improved. That's correct.

And financial IQ is how we solve our financial problems.

And that is our message to people today is that in a world of tremendous financial problems,

it really is an opportunity to get smarter, to solve your problems, and not run away from them.

So it's really a good time, a tough time.

I can say we don't want to go through them too many times.

But when I lost everything in the 80s, I thought the world ended.

But in retrospect, today it was a good thing that did it declare bankruptcy,

paid my creditors back and fought back. I think that gives me strength of the day to take on this one.

But I feel, and I know that you feel, that you can do better today than you could have done two or three years ago.

Absolutely. When I got, you know, the last crash was that savings and loan crash in the 80s,

and the stock market crash of 87.

And it was the best time because everybody was crying the blues.

Everybody was saying, are you nuts?

You're buying real estate?

And you know, that was when the RTC, the Resolution Trust Corporation, they were giving away the best real

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