The Education Conspiracy

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The Education Conspiracy

By Brian Clark By Brian Clark

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The Education Conspiracy

“ It is not money that

“ It is not money that is evil, it is the lack of

is evil, it is the lack of education about

education about

money that is evil ”

-Brian Clark -Brian Clark

You are told at a young age to get a job and work hard to make money, but you are not You are told at a young age to get a job and work hard to make money, but you are not taught how to make money work for you or how to manage money. You are taught to taught how to make money work for you or how to manage money. You are taught to save money in a bank, when your money is now a

save money in a bank, when your money is now a currency that has lost 95% of it'scurrency that has lost 95% of it's purchasing power since the 1970's.

purchasing power since the 1970's. T

To put this in perspective, in 1935 o put this in perspective, in 1935 A A Silver peace dollar was wortSilver peace dollar was worth 1 U.S dollar, h 1 U.S dollar, now itnow it is worth $35 or more. You are taught to work hard and get a “good job” when companies is worth $35 or more. You are taught to work hard and get a “good job” when companies are moving jobs overseas and

are moving jobs overseas and unemployment is skyrocketing.unemployment is skyrocketing. The following is my story

The following is my story living through the education system, and what living through the education system, and what opportunitiesopportunities exist for those who know how to beat the system at

exist for those who know how to beat the system at it's own game.it's own game. Over the pass 2 and half years I

Over the pass 2 and half years I have studied the education conspiracy and if you takehave studied the education conspiracy and if you take the information I share and take

the information I share and take action you can get action you can get the advantage of the conspiracy.the advantage of the conspiracy.

Let's begin! Let's begin!

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Chapter 2: Elementary School Chapter 2: Elementary School Elementary school brought differen

Elementary school brought different challenges as t challenges as well as fun times. well as fun times. I remember I remember walking to school some mornings and

walking to school some mornings and my mother dropping me off at school somemy mother dropping me off at school some mornings.

mornings.

The most vivid memories I

The most vivid memories I have of elementary school are holiday's, lunch, and have of elementary school are holiday's, lunch, and PP.E..E.

Many of these daily and yearly activities were all active, and because of this interaction I Many of these daily and yearly activities were all active, and because of this interaction I was able to remember the holiday events at school like cinco de mayo,

was able to remember the holiday events at school like cinco de mayo, PP.E, and what.E, and what was served at lunch.

was served at lunch.

For P.E I remember playing on the handball courts, anxious to get out there and have fun For P.E I remember playing on the handball courts, anxious to get out there and have fun playing a popular and competitive game at

playing a popular and competitive game at the school. The school was the school. The school was one of the largestone of the largest elementary schools in the city, and because of this

elementary schools in the city, and because of this it was difficult to get the it was difficult to get the one on oneone on one attention from teachers.

attention from teachers. Many times we read

Many times we read different books, practiced basic math, and writing skills, which aredifferent books, practiced basic math, and writing skills, which are essential in the world we live in today.

essential in the world we live in today.

I would be lying if I said that children don't need basic math, reading, writing, and I would be lying if I said that children don't need basic math, reading, writing, and English. This is one part of the education system that should remain the same for the English. This is one part of the education system that should remain the same for the most part.

most part.

Although It would be good to

Although It would be good to teach students about the difference between money andteach students about the difference between money and fiat currency starting in elementary school. Money is

fiat currency starting in elementary school. Money is gold and silver and gold and silver and fiat currencyfiat currency only has value if a government says that it has

only has value if a government says that it has value.value.

Apart of the history lesson should not just be Christopher Columbus, there should be a Apart of the history lesson should not just be Christopher Columbus, there should be a history of lesson on money and how it evolved from a barter system to what we have history of lesson on money and how it evolved from a barter system to what we have today.

today.

Elementary schools can teach students how

Elementary schools can teach students how trading chickens for milk became difficult,trading chickens for milk became difficult, and to make the system of money exchange easier a currency based system came about. and to make the system of money exchange easier a currency based system came about. The process went from

The process went from barteringbartering →→ Gold and silver as moneyGold and silver as money → and then→ and then paperpaper currency

currency which was a receipt for the gold and silver stored in bank reserves.which was a receipt for the gold and silver stored in bank reserves. By using a

By using a fun game of fake fun game of fake gold and silver coins and gold and silver coins and fake currencyfake currency, our students can, our students can understand the

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Beating the system in

Beating the system in elementary school means financial education for youth. Byelementary school means financial education for youth. By teaching our kids by creating a

teaching our kids by creating a fun game about moneyfun game about money, debt, credit, and , debt, credit, and history of history of money

money, your child will , your child will have a distinct advantage over have a distinct advantage over some adults who don't even some adults who don't even carecare about the subject until it is too late.

about the subject until it is too late.

For example: Lets say you make a game called good debt vs

For example: Lets say you make a game called good debt vs bad debt. Anbad debt. And in this gamed in this game the child will have to figure out which card will equal good debt and which card will the child will have to figure out which card will equal good debt and which card will equal bad debt.

equal bad debt.

If the child picks the right cards and wins the game, you award them with $0.25. Once If the child picks the right cards and wins the game, you award them with $0.25. Once they understand that bad debt takes money out of their pocket and good debt put's they understand that bad debt takes money out of their pocket and good debt put's money into their pocket you can

money into their pocket you can move on to the move on to the next subject matter.next subject matter.

What Is Good debt? What Is Good debt?

Good debt can be a business or real

Good debt can be a business or real estate that you take a loan out for, and puts incomeestate that you take a loan out for, and puts income into your pocket after your loan

into your pocket after your loan payment.payment.

What Is Bad Debt? What Is Bad Debt?

Bad debt can be credit cards, loans, car notes, and

Bad debt can be credit cards, loans, car notes, and other items that take money out of other items that take money out of your pocket.

your pocket.

By keeping things fun and simulating the experience for them they will have a new By keeping things fun and simulating the experience for them they will have a new appreciation for finance. Our brains absorb much more information when we are appreciation for finance. Our brains absorb much more information when we are younger and it is easier to teach kids a

younger and it is easier to teach kids a new subject when they aren't too old.new subject when they aren't too old.

This is why I recommend this, and I recommend keeping it fun and rewarding so your This is why I recommend this, and I recommend keeping it fun and rewarding so your child does not become bored

child does not become bored over time.over time. I learned nothing about money in

I learned nothing about money in elementary school, the most interesting subject for meelementary school, the most interesting subject for me was P.E ( Physical exercise).

was P.E ( Physical exercise).

When a student would do well in class we

When a student would do well in class we would receive cheese crackers for rewards,would receive cheese crackers for rewards, this is why I recommend some type of reward when you teach kids about about the this is why I recommend some type of reward when you teach kids about about the subject of money and finance.

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In the early years in elementary school you learn about the value of having good grades In the early years in elementary school you learn about the value of having good grades as you go through the school system.

as you go through the school system.

There is a level of pressure that takes place if you don

There is a level of pressure that takes place if you don't get good grades. 't get good grades. YYou could getou could get pressure from your teacher, other students comparing themselves to you because you pressure from your teacher, other students comparing themselves to you because you

made mistakes, and your own parents

made mistakes, and your own parents beating you for getting bad grades.beating you for getting bad grades. This doesn't happen i

This doesn't happen in all cases n all cases and in all homand in all homes, but it does happen es, but it does happen to most youngto most young kids, when in the real world we learn by making mistakes.

kids, when in the real world we learn by making mistakes.

Think about a child that begins walking for the first time, that child had to fall hundreds Think about a child that begins walking for the first time, that child had to fall hundreds of times before they began learning how to walk properly.

of times before they began learning how to walk properly. I believe it is wrong to do this to

I believe it is wrong to do this to our children when in the real world, experience mattersour children when in the real world, experience matters much more then good grades.

much more then good grades.

Don't me wrong, if a college student is learning how to become an auto-mechanic, it is Don't me wrong, if a college student is learning how to become an auto-mechanic, it is important that they receive a passing

important that they receive a passing grade.grade.

However instead of punishing and even considering some students to be “special” if However instead of punishing and even considering some students to be “special” if they make a mistak

they make a mistake, we should simple, we should simply y make sure that a fmake sure that a failing student can ailing student can bebe evaluated and given extra tim

evaluated and given extra time to learn, instead of e to learn, instead of creating this fear envirocreating this fear environment, thatnment, that can't be healthy.

can't be healthy.

Some schools do provide extra help after school which is good, although I would like to Some schools do provide extra help after school which is good, although I would like to see more interactive and simulation type teaching to

see more interactive and simulation type teaching to students in general.students in general.

When you look at the amount of youth dropping out of school in the USA, it has

When you look at the amount of youth dropping out of school in the USA, it has to beto be something wrong with the system itself and not just the student.

something wrong with the system itself and not just the student. A gradi

A grading system that allows ng system that allows you to make mistakes and you to make mistakes and then corrects your mistakes maythen corrects your mistakes may be the difference that the education system needs.

be the difference that the education system needs.

If you want to learn more about the corruption in the education system, I highly If you want to learn more about the corruption in the education system, I highly recommend that you take a look at the video below:

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The Cone Of learning The Cone Of learning

Humans keep more information in their mind when they

Humans keep more information in their mind when they do the actual thing that do the actual thing that theythey learn, and when the

learn, and when the experience is simulated.experience is simulated. This is why

This is why I recommend fun games when teaching kids, I recommend fun games when teaching kids, especially in elementaryespecially in elementary school, junior high, high school, and

school, junior high, high school, and college.college. When you look at

When you look at the education system, students learn from teachers through lecture andthe education system, students learn from teachers through lecture and reading, which is good, but not a good way to hold information. Do you remember all of reading, which is good, but not a good way to hold information. Do you remember all of the last 10 emails you read? Probably not.

the last 10 emails you read? Probably not.

Chapter 3: Junior High Chapter 3: Junior High

Junior high was an int

Junior high was an interesting time for me, eresting time for me, I started taking a new class in science,I started taking a new class in science, which was a fun subject because we dissected little pigs in class.

which was a fun subject because we dissected little pigs in class.

This was interesting and even a

This was interesting and even a little weird, but we all little weird, but we all had fun learning about howhad fun learning about how to dissect pigs.

to dissect pigs.

I remember when I almost did not graduate because of my grades. I had to get at I remember when I almost did not graduate because of my grades. I had to get at least a D grade to be able

least a D grade to be able to pass the 8to pass the 8thth grade which was a lot of pressure.grade which was a lot of pressure.

I worked hard and was able to pass but inside I always felt

I worked hard and was able to pass but inside I always felt as if something wasas if something was missing.

missing. And I can say And I can say without a doubt it is financial education that was without a doubt it is financial education that was missing.missing.

Why do I

Why do I keep mentioning financial education? keep mentioning financial education? And the lack And the lack of having financialof having financial education in school? I believe that we

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them about the real world they are

them about the real world they are about to enter into.about to enter into.

If you don't understand the basics of money you will

If you don't understand the basics of money you will have a hard time with have a hard time with moneymoney as an adult. In

as an adult. In the real world you can the real world you can loose your job without doing anythingloose your job without doing anything wrong, you can make a mistake as an employee that can be the end of your job, wrong, you can make a mistake as an employee that can be the end of your job, your company that you work for could be bought out, or declare bankruptcy and your company that you work for could be bought out, or declare bankruptcy and you could loose your job.

you could loose your job.

Your job can also be downsized, outsourced, and even be taken by technology. By Your job can also be downsized, outsourced, and even be taken by technology. By keeping kids aware of these different scenarios we

keeping kids aware of these different scenarios we can raise more responsiblecan raise more responsible adults that understand credit cards, how to save

adults that understand credit cards, how to save moneymoney, debt, and how to , debt, and how to avoid theavoid the pitfalls before they start out in

pitfalls before they start out in life.life.

Heaven forbid that you are in

Heaven forbid that you are in debt, and you loose your job. This is a debt, and you loose your job. This is a terrible thingterrible thing to go through and can lead to anger, a loss of income, and arguments about money. to go through and can lead to anger, a loss of income, and arguments about money.

It is wrong to

It is wrong to put fear in young adults and tell put fear in young adults and tell them they need to get good gradesthem they need to get good grades and get a

and get a job working for something they have no clue about (Money).job working for something they have no clue about (Money).

To beat the system in junior high, a young adult can be taught the difference To beat the system in junior high, a young adult can be taught the difference

between an asset and a liability. You can teach your young adult that an asset puts between an asset and a liability. You can teach your young adult that an asset puts

money into your pocket and a liability takes money out of your pocket. money into your pocket and a liability takes money out of your pocket.

I recommend a fun game that

I recommend a fun game that mixes up assets vs liabilities & mixes up assets vs liabilities & then makes thethen makes the student guess which card is a

student guess which card is an asset and which cn asset and which card is a ard is a liabilityliability. On the back . On the back of of the card you can show them why this card is a liability or asset and then reward the card you can show them why this card is a liability or asset and then reward them in a fun unique way.

them in a fun unique way.

After the game is

After the game is over make sure the young adult knows that over make sure the young adult knows that an asset puts moneyan asset puts money into your pocket and a liability takes money out of

into your pocket and a liability takes money out of their pocket.their pocket.

Chapter 4: High School Chapter 4: High School

High school is a very

High school is a very important piece to the education system. Growing up in highimportant piece to the education system. Growing up in high school was more of the same from my view. More English, Math, Science, and school was more of the same from my view. More English, Math, Science, and

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pressure to do very well, or else. pressure to do very well, or else.

I had trouble in high school and my mom decided to home school me, which made I had trouble in high school and my mom decided to home school me, which made sense because I was able to work at

sense because I was able to work at my own pace and still earn my high schoolmy own pace and still earn my high school diploma.

diploma.

It took me time to

It took me time to pass through the education system, but in 2005 I finally did.pass through the education system, but in 2005 I finally did. Honestly, the only thing that interested me in high school was P.E , lunch, art class, Honestly, the only thing that interested me in high school was P.E , lunch, art class, and girls.

and girls.

Notice how interactive each of these activities are. It is important to keep a high Notice how interactive each of these activities are. It is important to keep a high

school kid engaged in the learning experience, otherwise you will continue to see school kid engaged in the learning experience, otherwise you will continue to see high drop out rates across the

high drop out rates across the United States & other countries who adopt theUnited States & other countries who adopt the

Prussian

Prussian system of teaching.system of teaching.

Taking A Stand Taking A Stand

The reason why I wanted to write a book about the education system is because I The reason why I wanted to write a book about the education system is because I believe that there has to be a change in the way students are taught.

believe that there has to be a change in the way students are taught.

In high school there should definitely be some type of financial education that In high school there should definitely be some type of financial education that goes deeper than just :

goes deeper than just : Save money in a bank, invest in Save money in a bank, invest in mutual funds, buy Cd's,mutual funds, buy Cd's, and diversify your

and diversify your portfolio.portfolio.

All of these things help the

All of these things help the banks, the rich, and the companies of the banks, the rich, and the companies of the world, andworld, and they receive the least amount of risk and more control over your money.

they receive the least amount of risk and more control over your money.

Most students leave high school and don't even know what

Most students leave high school and don't even know what a financial statement is,a financial statement is, and how to budget.

and how to budget.

Creating a financial statement, and teaching kids the history of

Creating a financial statement, and teaching kids the history of money would be amoney would be a good start as a

good start as a student moves into college.student moves into college.

T

Teaching eaching TTrades rades EarlyEarly

It is no secret that the world economy is not in good shape at all, with another It is no secret that the world economy is not in good shape at all, with another depression well under way. We also know that unemployment is much higher then depression well under way. We also know that unemployment is much higher then what the official numbers show.

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If the education system tells kids that

If the education system tells kids that they need good grades to get they need good grades to get a good job,a good job, then we should be preparing our young adults on the

then we should be preparing our young adults on the job, and in the classroomjob, and in the classroom starting in high school.

starting in high school.

This allows the student to get

This allows the student to get experience in a dog eat experience in a dog eat dog job market, and thisdog job market, and this allows students to make extra income without a job.

allows students to make extra income without a job. Let's say that a Let's say that a student likesstudent likes to paint and repair homes, by teaching the

to paint and repair homes, by teaching the student how to do this in high schoolstudent how to do this in high school and gain exp

and gain experience on a job, erience on a job, we give them we give them a a head start.head start.

Another example would be a student who is

Another example would be a student who is interested in running a small business.interested in running a small business. Schools could teach students the basics of

Schools could teach students the basics of running a business, and then have themrunning a business, and then have them start lemonade stands

start lemonade stands around their neighborhoods.around their neighborhoods.

I believe that this idea

I believe that this idea alone can completely change the education system for thealone can completely change the education system for the better

better. Instead of trying to . Instead of trying to give a one size give a one size fits all education system, schools shouldfits all education system, schools should sit down with the student and

sit down with the student and then ask the student what they want then ask the student what they want to learn. What isto learn. What is their favorite subject? What are

their favorite subject? What are their hobbies? Antheir hobbies? And etc..d etc..

This thought of customized education also gives the student the ability to work for This thought of customized education also gives the student the ability to work for a their local neighbor who needs help

a their local neighbor who needs help with a painting job. This leaves a studentwith a painting job. This leaves a student less worried about loosing a job from a

less worried about loosing a job from a giant corporation, at least the young persongiant corporation, at least the young person can find a way to make it by.

can find a way to make it by.

To come out on top in High school we have to begin the process of teaching our To come out on top in High school we have to begin the process of teaching our students how the world of money truly works. Most likely students will not be students how the world of money truly works. Most likely students will not be

taught any of the things that I have mentioned so far. So if there is no change in the taught any of the things that I have mentioned so far. So if there is no change in the system, take the time to sit

system, take the time to sit down with your child and teach them about thedown with your child and teach them about the following subjects, but first learn about them yourself before you do so. following subjects, but first learn about them yourself before you do so.

1.

1. HiHiststorory Of y Of MoMoneney -y - There are many great books that There are many great books that talk about the historytalk about the history of money. Go to Amazon.com and type in “the history of money” and you of money. Go to Amazon.com and type in “the history of money” and you will find several books that reveal a

will find several books that reveal a lot about our monetary system. Ilot about our monetary system. I personally recommend reading

personally recommend reading Mike Maloney'sMike Maloney's Guide to gold and silver,Guide to gold and silver, this will give a

this will give a snapshot of the future, by looking into the past.snapshot of the future, by looking into the past.

2.

2. CreatCreate e A A FinanFinancial Scial Statemtatement – ent – Start searching for financial statementsStart searching for financial statements online by doing a Google search or

online by doing a Google search or by going over toby going over to richdad.comrichdad.com, and type, and type in the search bar

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has helped me create

has helped me create picture of my financial situation.picture of my financial situation.

3.

3. Read Read RicRich Dah Dad Pod Poor or Dad Dad – – Reading this book changed my life for theReading this book changed my life for the better, and gave me a different view of the world of money. Read this book better, and gave me a different view of the world of money. Read this book

with your young adult, so they can leave

with your young adult, so they can leave high school with other options thenhigh school with other options then just working hard for money.

just working hard for money.

4.

4. AssAsset et Vs Vs LiaLiabilbilitiities – es – This subject is one of This subject is one of the most important, and as longthe most important, and as long as the young adult understands the difference between assets vs

as the young adult understands the difference between assets vs liabilities,liabilities, they stand a chance to make it in the real world.

they stand a chance to make it in the real world.

Make sure they understand that an asset

Make sure they understand that an asset puts money into your pocket, and aputs money into your pocket, and a liability takes money out of your pocket, and play games to

liability takes money out of your pocket, and play games to keep thingskeep things interesting and fun.

interesting and fun.

Robert Kiyosaki Robert Kiyosaki

I can say

I can say with 100% confidence that having a good education on the world of with 100% confidence that having a good education on the world of money Is an on going process. And in high school, I wish my parents

money Is an on going process. And in high school, I wish my parents sat downsat down with me and read

with me and read some of Robert Kiyosaki's books.some of Robert Kiyosaki's books.

In most cases you will not be able to work forever, and this gives a student a In most cases you will not be able to work forever, and this gives a student a different perspectiv

different perspective of how to e of how to make money work hard for them, and working for make money work hard for them, and working for money.

money.

The story of Rich Dad

The story of Rich Dad poor dad appeals to adults and youth, and can poor dad appeals to adults and youth, and can be a steppingbe a stepping stone that can help you to

stone that can help you to understand the basics that might lead to creating a understand the basics that might lead to creating a strongstrong foundation of wealth for your young adult and family.

foundation of wealth for your young adult and family.

Chapter 5 College Chapter 5 College

After high school I got a job working for a small retail store in the state of After high school I got a job working for a small retail store in the state of

Mississippi in 2005. Mississippi in 2005.

Mississippi is known for it's low wages

Mississippi is known for it's low wages and overall low income residents. Myand overall low income residents. My starting hourly pay was about $5.25 which was low

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It was not long before

It was not long before I wanted a I wanted a change, and according to the general populationchange, and according to the general population and the education system, I thought it was

and the education system, I thought it was time to further my education by goingtime to further my education by going to college and getting a good job.

to college and getting a good job.

I moved to a new state, and I eventually got a job at a large warehouse for a large I moved to a new state, and I eventually got a job at a large warehouse for a large shipping company. My starting hourly rate was $10.88 per hour, which was a step shipping company. My starting hourly rate was $10.88 per hour, which was a step up, but I did have

up, but I did have to drive a bit further to to drive a bit further to get to work, so everything balanced out.get to work, so everything balanced out.

I began to receive credit cards in the mail once I opened up a banking account at I began to receive credit cards in the mail once I opened up a banking account at

one of the largest banking institutions in the world. I was

one of the largest banking institutions in the world. I was warned to not open butwarned to not open but one credit card account and not

one credit card account and not to max the credit card to max the credit card out.out.

I found out from a family member, that building my credit early could help me I found out from a family member, that building my credit early could help me later on in life so I decided to buy a computer with my new credit card.

later on in life so I decided to buy a computer with my new credit card.

When I opened up my checking account and credit

When I opened up my checking account and credit card account, I remember card account, I remember getting my first overdraft fees in the

getting my first overdraft fees in the mail stating that I was mail stating that I was going to be chargedgoing to be charged $35 for going $1.00 over what was in

$35 for going $1.00 over what was in my checking account.my checking account.

I was angry as

I was angry as more of these fees more of these fees came, which led me to using ccame, which led me to using cash onlyash only.. Eventually I signed up for more credit cards being

Eventually I signed up for more credit cards being young and naive, which mostyoung and naive, which most young adults are.

young adults are.

Although one of my credit cards were

Although one of my credit cards were opened because my car was opened because my car was broken into,broken into, and I did not want to drive around with a broken window.

and I did not want to drive around with a broken window.

While in school and working at the

While in school and working at the warehouse I started to accumulate credit cardwarehouse I started to accumulate credit card debt & student loan debt to go

debt & student loan debt to go to school.to school.

I was told in school that if I had a

I was told in school that if I had a piece of paper I would make $30,000+ per year piece of paper I would make $30,000+ per year with my career diploma.

with my career diploma.

Unfortunatel

Unfortunately I graduated school making $9.00 an hour which was y I graduated school making $9.00 an hour which was a let down, buta let down, but I did receive more hours at work, this was far from $30,000 a year and I felt like I did receive more hours at work, this was far from $30,000 a year and I felt like something was missing after all of the

something was missing after all of the work I put into my college ework I put into my college education.ducation.

While in medical school I learned the

While in medical school I learned the basics of medical terms, and some teachersbasics of medical terms, and some teachers were quite boring. There were some teachers that

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just did not fit the

just did not fit the core subject.core subject.

There was a point in class in which we played a game

There was a point in class in which we played a game called medical term survivor called medical term survivor that I remember clearly. It was based on the TV show survivor, students had to

that I remember clearly. It was based on the TV show survivor, students had to match the right medical term with labels on

match the right medical term with labels on a plastic paper skeleton that a plastic paper skeleton that wewe created.

created.

What is interesting about this activity is that

What is interesting about this activity is that I remember it because we I remember it because we learnedlearned using illustration

using illustrations and s and simulating an exsimulating an experience. Whiperience. Which is the way I believe allch is the way I believe all schools should teach students, but don't for most subjects.

schools should teach students, but don't for most subjects.

Your Fired! Your Fired!

While working at my new job after college I was fired out of the blue, because a While working at my new job after college I was fired out of the blue, because a doctor was leaving, and the need for

doctor was leaving, and the need for some employees was not needed.some employees was not needed.

It is not fun being fired because of a change taking place in the company that I was It is not fun being fired because of a change taking place in the company that I was working for

working for, but it is , but it is apart of the employee lifestyle.apart of the employee lifestyle.

I still had bills to

I still had bills to pay but at least pay but at least I could receive unemployment benefits until II could receive unemployment benefits until I could rebound. One month later I got my job back, but because of a bad living could rebound. One month later I got my job back, but because of a bad living situation I had to leave.

situation I had to leave.

After going through all of this job limbo, I

After going through all of this job limbo, I felt like I had felt like I had no control over myno control over my

money. After moving back with my parents I knew that there had to be a change in money. After moving back with my parents I knew that there had to be a change in my financial situation.

my financial situation.

After hearing about the book Rich dad poor

After hearing about the book Rich dad poor dad I began my journey into the worlddad I began my journey into the world of business, sales, and money management. I'm still learning, and today, I can say of business, sales, and money management. I'm still learning, and today, I can say that I feel more control over my financial situation now, more than ever.

that I feel more control over my financial situation now, more than ever.

Colleges should start students with a financial education course that covers c

Colleges should start students with a financial education course that covers creditredit card management, a review of a

card management, a review of a students financial statement before predatorystudents financial statement before predatory credit card companies can

credit card companies can promote credit cards to promote credit cards to students, should be mandatorystudents, should be mandatory..

Don't get me wrong, English, math, writing, and speaking is very important, but Don't get me wrong, English, math, writing, and speaking is very important, but financial education should be right there

financial education should be right there with those core cwith those core curriculum’urriculum’s.s.

Just because a

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mean they know

mean they know how to how to spend, save, and understand spend, save, and understand moneymoney..

Three Types Of Education Three Types Of Education

There are 3

There are 3 types of education that everyone should have the chance to learn types of education that everyone should have the chance to learn inin school, and they are:

school, and they are:

Academic Education:

Academic Education: The ability to read, write, and do math.The ability to read, write, and do math.

Professional Education:

Professional Education: learning to work for money.learning to work for money.

Financial Education:

Financial Education: Learning how to make money work for you.Learning how to make money work for you.

By mainly preparing students with academic

By mainly preparing students with academic education, and professionaleducation, and professional education, we do help students.

education, we do help students.

But if we want to change the world, and create adults that look to make the lives of But if we want to change the world, and create adults that look to make the lives of others easier and create value in in the world, we create less

others easier and create value in in the world, we create less people who want handpeople who want hand outs.

outs.

Simply put, we can teach people how

Simply put, we can teach people how to fish instead of giving them fish.to fish instead of giving them fish.

Overpriced And Under Paid Overpriced And Under Paid

Since 1975 the U.S worker has

Since 1975 the U.S worker has produced more, but wages have gone down &produced more, but wages have gone down & corporate profits are up dramatically.

corporate profits are up dramatically.

On top of this, tuition and fees

On top of this, tuition and fees are going up for many college students. Whatare going up for many college students. What shocks me is the

shocks me is the cost for books, that are cost for books, that are outdated once a student graduates yet theyoutdated once a student graduates yet they can cost over $1,000 per year.

can cost over $1,000 per year.

I wonder why schools cannot use digital ebooks to produce information faster and I wonder why schools cannot use digital ebooks to produce information faster and be able to edit and revise a book if there is a

be able to edit and revise a book if there is a major change. Schoolmajor change. Schools could alsos could also charge much less for books than what is charged.

charge much less for books than what is charged.

Tim

Times are es are changing very fast, and if our education system is changing very fast, and if our education system is still in the stone age,still in the stone age, our students will suffer as tuition hikes & fees

our students will suffer as tuition hikes & fees will continue when they do not havewill continue when they do not have to.

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Chapter 6 The Answer Is Financial Education Chapter 6 The Answer Is Financial Education

In late 2011, there are occupy movements taking place all across the United

In late 2011, there are occupy movements taking place all across the United States.States. Uprisings are also taking place across

Uprisings are also taking place across the middle east and Arab nations. Crude oilthe middle east and Arab nations. Crude oil prices are hovering around $100 a barrel, and the

prices are hovering around $100 a barrel, and the cost of living is going to go cost of living is going to go up.up.

The question is what are you going to do about it? Yes, protesting and boycotts can The question is what are you going to do about it? Yes, protesting and boycotts can make a difference, but ultimately it is

make a difference, but ultimately it is you, that can make the cyou, that can make the changes necessary tohanges necessary to educate yourself financially and grow richer, by helping your children

educate yourself financially and grow richer, by helping your children and yourself and yourself through financial education.

through financial education.

Many of the problems that are

Many of the problems that are taking place today are the result of taking place today are the result of a system that hasa system that has been setup by dead people. So it

been setup by dead people. So it is foolish to argue with dead people, that are is foolish to argue with dead people, that are longlong gone. Some people will recognize the rise of

gone. Some people will recognize the rise of the internet & becoming wealthythe internet & becoming wealthy through information.

through information.

It is not gold, real

It is not gold, real estate, or money that makes you rich, it estate, or money that makes you rich, it is what you know aboutis what you know about these asset classes that makes you rich. In 2011 It has never been easier for a

these asset classes that makes you rich. In 2011 It has never been easier for a business to conduct more business

business to conduct more business with fewer employees, and with fewer employees, and cheaper laborcheaper labor..

Mobile phones make it easier to

Mobile phones make it easier to connect with people globally and hold meetingsconnect with people globally and hold meetings anywhere in the world. The rise of mobile applications are taking off, and you will anywhere in the world. The rise of mobile applications are taking off, and you will hear more about apps as

hear more about apps as time goes on.time goes on.

There are

There are app developers who are app developers who are becoming millionairbecoming millionaire’s by creating valuablee’s by creating valuable functions on mobile devices that make life easier for

functions on mobile devices that make life easier for people.people.

Give More To Receive More Give More To Receive More

If you want to make more money, pay little to no taxes, while making money in If you want to make more money, pay little to no taxes, while making money in your sleep, you have to give more

your sleep, you have to give more to receive more.to receive more.

Many people want to receive more and

Many people want to receive more and then give. They want to know whatthen give. They want to know what

benefits they will receive when they get a new job, they want to know how much benefits they will receive when they get a new job, they want to know how much

money they will receive. And if there is any pension they

money they will receive. And if there is any pension they receive.receive.

Instead of asking what Is

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can improve a business, most want to receive. can improve a business, most want to receive.

Real life examples of givers would be

Real life examples of givers would be the creators of the Magic the creators of the Magic Jack, GeorgeJack, George Foreman Grill, Fast food restaurants, and other businesses that make life

Foreman Grill, Fast food restaurants, and other businesses that make life easier easier and more convenient.

and more convenient.

The Greedy Rich The Greedy Rich

Many believe that the rich are greedy, and there are greedy rich and poor people. Many believe that the rich are greedy, and there are greedy rich and poor people. In most cases the

In most cases the rich are providing something that solves a problem or makes arich are providing something that solves a problem or makes a persons life a

persons life a little bit better.little bit better.

This is why I

This is why I mention that you have to give to receive.mention that you have to give to receive.

Drill For Gold Drill For Gold

A short drill that anyone can do is to write down 3-5 things that you know about. A short drill that anyone can do is to write down 3-5 things that you know about. Go to Google and begin searching for

Go to Google and begin searching for problems that many people are having. Thisproblems that many people are having. This simple exercise can give you an

simple exercise can give you an idea of what people need idea of what people need help with.help with.

Once you have a

Once you have a good idea of different problems in the market that you pick, writegood idea of different problems in the market that you pick, write a book about how to solve some of the problems you have found. The good news a book about how to solve some of the problems you have found. The good news is that there are millions of problems in the world today.

is that there are millions of problems in the world today.

I'm writing this book

I'm writing this book using openoffiusing openoffice.org writerce.org writer, which allows , which allows me to easilyme to easily convert this writing document to pdf format, which makes it easier

convert this writing document to pdf format, which makes it easier for my booksfor my books to spread digitally.

to spread digitally.

Try to begin this simple exercise and research how to

Try to begin this simple exercise and research how to write a good book and takewrite a good book and take your time.

your time.

The Conspiracy Against Your Education The Conspiracy Against Your Education

I do believe there is

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creation of the general education board. creation of the general education board.

The followi

The following ng is a quotis a quote from the from the book:e book:

The creature from Jekyll Island by G Edward Griffin The creature from Jekyll Island by G Edward Griffin

“The purpose of the foundation [The General Education Board] was to use the “The purpose of the foundation [The General Education Board] was to use the power of money, not to raise the level of education in America, as was widely power of money, not to raise the level of education in America, as was widely

believed at the time, but to influence the direction of that education... The object believed at the time, but to influence the direction of that education... The object was to use the classroom to teach attitudes that encourage people to be passive was to use the classroom to teach attitudes that encourage people to be passive and submissive to their rulers. The goal was-and is-to create citizens who were and submissive to their rulers. The goal was-and is-to create citizens who were educated enough for productive work under supervision but not enough to

educated enough for productive work under supervision but not enough to question authority or seek to rise above their class. True education was to be question authority or seek to rise above their class. True education was to be restricted to the sons and daughters of the elite. For the rest, it would be better to restricted to the sons and daughters of the elite. For the rest, it would be better to produce skilled workers with no particular aspirations other than to enjoy life.” produce skilled workers with no particular aspirations other than to enjoy life.”

I believe this is

I believe this is why there is nothing taught about money in our schools. The ultrawhy there is nothing taught about money in our schools. The ultra rich do not want you in

rich do not want you in on their game.on their game.

Conclusion Conclusion

If you want to build long term

If you want to build long term sustainable wealth, focus on building & acquiringsustainable wealth, focus on building & acquiring assets that appreciate in value,

assets that appreciate in value, or produce income whether you work or not.or produce income whether you work or not.

Educate yourself about the 4 different asset classes, which include: Real

Educate yourself about the 4 different asset classes, which include: Real estate,estate, Business, Stocks, and Commodities, but focus on 1 at a

Business, Stocks, and Commodities, but focus on 1 at a time. If you want totime. If you want to accelerate your financial education I recommend getting a coach that is

accelerate your financial education I recommend getting a coach that is successfulsuccessful in the asset class that interests you the most. Because times are changing so fast, in the asset class that interests you the most. Because times are changing so fast, your education about the world of money could make the difference between your education about the world of money could make the difference between suffering financially and coming out ahead of

suffering financially and coming out ahead of the economic crisis.the economic crisis.

I suffered as a

I suffered as a young adult and as an adult, and young adult and as an adult, and with the information I have sharedwith the information I have shared I hope you can take

I hope you can take the information and use it to make the information and use it to make sound financial decisions.sound financial decisions.

There are

There are trillions of dotrillions of dollars that most people do nllars that most people do not know how to access or can'tot know how to access or can't access because of bad debt or personal credit. But that doesn't mean it is too late or access because of bad debt or personal credit. But that doesn't mean it is too late or you can't improve your personal financial

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Just remember to acquire assets before

Just remember to acquire assets before you buy a liabilityyou buy a liability. For example if I . For example if I want towant to buy a new outfit, I wont charge the new clothes on a credit card, I'll create a new buy a new outfit, I wont charge the new clothes on a credit card, I'll create a new

website that produces income that allows me to

website that produces income that allows me to pay for my new clothes first.pay for my new clothes first.

This is critical for

This is critical for avoiding consumavoiding consumer debt, without going over your personaler debt, without going over your personal budget.

budget.

I hope the information shared in this guide will help you and your family. Feel free I hope the information shared in this guide will help you and your family. Feel free to check out my two web b

to check out my two web blogs logs which cover other inwhich cover other investment ideas and intvestment ideas and interneternet marketing at: marketing at: www.BrianClarkMethod.com www.BrianClarkMethod.com www.GoodInvestmentsForYoungPeople.com www.GoodInvestmentsForYoungPeople.com

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The Education Conspiracy

The Education Conspiracy

The Education Conspiracy

The Education Conspiracy

The Education Conspiracy

“ It is not money that

“ It is not money that is evil, it is the lack of

is evil, it is the lack of education about

education about

money that is evil ”

money that is evil ”

Table Of Contents:

Table Of Contents: