Well if you want that million dollars, perhaps you'll get lucky enough to land a spot on ABC's popular game show bearing that name. Simply give right answer to all questions and you'll walk away with million dollar prize.

Or, you could get on a hot streak, pick right 7 numbers and win lottery. But unfortunately your chances of winning are 1 in 22 million.....so we'd better forget that.

But maybe you know about this incredible get rich quick plan where you don't have to do much of anything, simply join up free, then in a year or so, you'll be Net's newest millionaire. Well, if that plan has worked for you....please write me ASAP! :-)

But for all rest of us, we need some practical advice on what will really make us our fortune.

Making money is easy. There are mathematical laws that govern how money will work for you over time, reaping greater and greater rewards. These laws are laid out in detail in book, "The Working Life Of A Dollar."

Here's what you need to do:

1. Write down your present monthly income and expenses. Next, see where you might be wasting money on foolish items. Where can you cut expenses and use that money for your future. Plan a monthly budget, and stick to it.

2. Get out of debt. Just as money compounds interest going up, it also drains money out of your pocket when you pay out interest. Only make purchases on your credit cards when you have cash in hand to cover expense. If you have a habit of over spending every month, cut your cards up!

3. Always pay yourself first. A minimum of 10% of your monthly income should be reserved for your future. The more you can pay yourself, quicker your financial goals will be met.

4. Give a portion of your earnings to help others less fortunate.

An amateur practices until he can get it right, a professional practices until he can't get it wrong. So, where are you going to get your investment information - from an amateur or a professional?

A good investment decision is based on knowledge: What does this company do? How do they do it? How well do they do it? What's their market position? Who are competitors? What new products are they planning? (And about a thousand other questions.)

Professionals have answers. They are experts. They spend years studying this stuff, their income depends on knowing what's happening and making right decisions. Whereas, amateurs don't have time and resources to gather and analyze all that data. So, many people get hot tips from a "friend of a friend" or follow "hunches." That means most people just keep living from paycheck to paycheck and hope Social Security is still around when you're 65!

CHANGE THE TREND! - You don't need an MBA to be an effective investor. You can learn where to find good info, then learn to use it: Take a continuing education class on financial management at your local college or university. Attend a 'how-to' seminar given by an investment company. Join an investment club, like The Wall Street Prophet, and learn from successful professionals.