"Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful people with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent. The slogan 'press on' has solved and always will solve the problems of the human race."
-Calvin Coolidge

We all know that knowledge is Power, but it's not just that. Knowledge is also money. So don't be afraid to invest in money.

To borrow is to invite a sorrow; to loan is to invite a groan.

A wise person takes the risks that are more than compensated by the likelihood of succeeding and how rich the reward. An ordinary person that takes a risk tends to focus only on the size of the reward. A fool ignores both and focuses only on personal fears and desires regardless of how unlikely the success or small the reward.