ave tremendous potential； and we all are blessed with gifts。 Yet； the one thing that holds all of us back is some degree of self…doubt。 It is not so much the lack of technical information that holds us back； but more the lack of self…confidence。 Some are more affected than others。
Once we leave school； most of us know that it is not as much a matter of college degrees or good grades that count。 In the real world outside of academics； something more than just grades is required。 I have heard it called 〃guts；〃 〃chutzpah；〃 〃balls；〃 〃audacity；〃 〃bravado；〃 〃cunning；〃 〃daring；〃 〃tenacity〃 and 〃brilliance。〃 This factor； whatever it is labeled； ultimately decides one's future much more than school grades。
Inside each of us is one of these brave； brilliant and daring characters。 There is also the flip side of that character： people who could get down on their knees and beg if necessary。 After a year in Vietnam； as a Marine Corps pilot； I intimately got to know both of those characters…inside of me。 One is not better than the other。
Yet； as a teacher； I recognized that it was excessive fear and self…doubt that were the greatest detractors of personal genius。 It broke my heart to see students know the answers； yet lack the courage to act on the answer。 Often in the real world； it's not the smart that get ahead but the bold。
In my personal experience； your financial genius requires both technical knowledge as well as courage。 If fear is too strong； the genius is suppressed。 In my classes I strongly urge students to learn to take ？risks； to be bold； to let their genius convert that fear into power and brilliance。 It works for some and just terrifies others。 I have e to realize that for most people； when it es to the subject of money； they would ra