The division of the chaetpr and subtitles (may seem insignificant) keeps reader on-taskand aware what he is preparing to discuss. Similarly, Dave Ramsey became a real estate agent in his twenties, and found that he could leverage so much wealth into borrowing that he became a multi-millionairebefore the age of thirty. I cannot stand the bull crapexcuse of being too busy to live up to your commitments or take careof you family when 26 hours per week on average is wasted watching mindless TV andsurfing the web.