Limiting your options is the same as hanging on to old ideas. - Robert Kiyosaki

Instead of simply working for the money and security, which I admit are important, I suggest they take a second job that will teach them a second skill. Often I recommend joining a network-marketing company, also called multilevel marketing, if they want to learn sales skills. Some of these companies have excellent training programs that help people get over their fear of failure and rejection, which are the main reasons people are unsuccessful. Education is more valuable than money, in the long run. When I offer this suggestion, I often hear in response, “Oh that is too much hassle,” or “I only want to do what I am interested in.” If they say, “It’s too much of a hassle,” I ask, “So you would rather work all your life giving 50 percent of what you earn to the government?” If they tell me, “I only do what I am interested in,” I say, “I’m not interested in going to the gym, but I go because I want to feel better and live longer.

Have you ever wondered where the idea of retirement at the age of 65 came from? I'll tell you where: Otto von Bismarck, the president of Prussia, in 1889. Actually, Bismarck's government: At the time, the life expectancy of the average Prussian was about 45. Today, so many are living well into their 80s and 90s that the same promise might well bankrupt the federal government within the next generation.

If you find you have dug yourself into a hole... stop digging.