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you could feasibly invest half of what your neighbor does, take lower risks, and still end up with twice as much money as they do. Read on to find out how.
    Notes
    1. Kelli B. Grant, “The New Best Credit Cards,” The Wall Street Journal , April 1, 2011, accessed April 2, 2011, http://www.marketwatch.com/story/the-new-best-credit-cards-1301520786753 .
    2. Derek Kravitz, “Number of Underwater Mortgages Rise as More Homeowners Fall Behind,” The Huffington Post , March 8, 2011, accessed April 2, 2011, http://www.huffingtonpost.com/2011/03/08/number-of-underwater-mort_n_833000.html .
    3. Thomas Stanley, Stop Acting Rich (Hoboken, New Jersey: John Wiley & Sons, 2009), 9.
    4. Ibid., 45.
    5. “Household Income for States: 2008 and 2009,” U.S. Census Bureau, accessed April 2, 2011, http://www.census.gov/prod/2010pubs/acsbr09–2.pdf .
    6. Dave Feschuk, “NBA Players’ Financial Security No Slam Dunk,” Toronto Star, January 31, 2008, accessed April 2, 2011, http://www.thestar.com/sports/article/299119 .
    7. Stanley, Stop Acting Rich , 204.
    8. Ibid.
    9. “Warren Buffett Vouches for GM with Caddy Purchase,” LeftLane, June 6, 2006, accessed October 2010, http://www.leftlanenews.com/warren-buffett-vouches-for-gm-with-caddy-purchase.html .
    10. Stanley, Stop Acting Rich , 204.
    11. Thomas Stanley and William Danko, The Millionaire Next Door (New York, New York: Simon & Schuster, 1996), 9.
    12. Ibid., 151.

RULE 2
    Use the Greatest Investment Ally You Have
    So much of what schools teach in a traditional mathematics class is . . . hmm, let me word this diplomatically, not likely to affect our day-to-day lives. Sure, learning the formulas for quadratic equations (and their abstract family members) might jazz the odd engineering student. But let’s be honest. Few people get aroused by quadratic equations.
    Perhaps I’m committing heresy in the eyes of the world’s math teachers, but I think quadratic equations (a polynomial equation of the second degree, if that clears things up) are about as useful to most people as ingrown toenails and just as painful for some. Having said that, buried in the dull pages of most school math books is something that’s actually useful: the magical premise of compound interest.
    Warren Buffett applied it to become a billionaire. More importantly, so can you and I’ll show you how.
    Buffett has long jockeyed with Microsoft Chairman Bill Gates for the title of “World’s Richest Man.” He lives like a typical millionaire (he doesn’t spend much on material things) and he mastered the secret of investing his money early. He bought his first stock when he was 11 years old, and the multibillionaire jokes that he started too late. 1
    Starting early is the greatest gift you can give yourself. If you start early and if you invest efficiently (in a manner that I’ll explain in this book) you can build a fortune over time, while spending just 60 minutes a year monitoring your investments.
    Warren Buffett famously quips: “Preparation is everything. Noah did not start building the Ark when it was raining.” 2
    Most of us are aware of the Biblical story about Noah’s Ark. God told him to build an Ark and to collect a variety of animals, and eventually, when the rains came, they would sail off to a new beginning. Luckily for the animals, Noah started building that Ark right away. He didn’t procrastinate.
    But let’s imagine Noah for a second. The guy probably had a similar nature to you and me, so even if God told him to keep the upcoming flood a secret, he might not have. After all, he was human too. So I can imagine him wandering down to the local watering hole and after having a couple of forerunners to Budweiser beer, whispering to a friend: “Hey listen, God is saying that the rains are going to come and that I have to build an Ark and sail away once the land is flooded.” Some of his buddies (maybe