Here are two sound files that I found and they are very good and so I put them here so that I would not lose them and so that I could send people here to hear them.  These files are so amazingly true and yet I had never thought of it like that and in most peoples lives it is probably the single most important reason that they are not financially independent and wealthy regardless of their income source.  Here are the files.  Enjoy!

m&t.wmv  a little bit longer than the next one 26k

fsovfull.wmv  short audio presentation 19k

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