We've all heard stories of lottery winners, rock stars, heirs and heiresses, and professional athletes becoming millionaire morons who wake up rich but are broke by nightfall.

As a bull market turns into a bear market, the new pros turn into optimists, hoping and praying the bear market will become a bull and save them. But as the market remains bearish, the optimists become pessimists, quit the profession, and return to their day jobs. This is when the real professional investors re-enter the market.

The rich continue to get rich the same way they always have - by understanding how money works and making their money work for them.

I want parents to teach that academic intelligence is essential, but so is financial intelligence.

Technology is just a tool. In terms of getting the kids working together and motivating them, the teacher is the most important.

I believe God wants you to have money to pay your bills, send your kids to college and do charity work and build orphanages. There's the teaching that we're supposed to be poor to show that we're humble. I don't buy that. I think we're supposed to be leaders. We're supposed to excel.

For an artiste to grow, for a person to grow, you have to learn. A learner cannot afford to have an ego. Learning can never stop. If it does, then it is death.

Expect nothing and hope for the best' is my mantra. A drama teacher called Joseph Blatchley told me that, and it's the best advice I've had. If you keep an open mind and don't expect too much, then you won't be disappointed.