“We are what we repeatedly do; excellence then is not an act but a habit.” —ARISTOTLE You are your most valuable asset. Your life, your potential, and your possibilities are the most precious things you have. Thus your great goal in lifeshould be to fulfill that potential and become everything you are capable of becoming. Your ability to learn, grow, and fulfill your potential is unlimited. Today, people are graduating from high school and college in their seventies, learning new subjects and developing new capabilities. Your ability to learn and remember can continue throughout your life if you keep your brain alive, alert, and functioning at its best. Your most precious financial asset is your earning ability . Your ability to work is your primary source of cash throughout your life. You could lose your home, your car, your bank account, and everything you own, but as long as you have your earning ability, you can earn it all back—and more —in the months and