“I’m learning all the time. The tombstone will be my diploma.”

– Eartha Kitt, American singer, actress, and cabaret star

“I wonder if my investment will ever pay off.”

The comment came out of the blue. I was walking with my elder son on a warm early spring day. The snow-banks were melting and we had to side-step a lot of puddles on our way to the coffee shop. We also had to jump out of the way of a few passing motorists who roared through deep puddles along the side of the roadway and sent waves rolling our way.

“What investment is that?” I asked, leaping onto a nearby snow bank.

“My seven-year, $100,000 investment,” he replied, stepping into a puddle.

It occurred to me he was talking...

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