Key points - How to pay off credit cards (big-ticket expenses - housing, transportation and insurance) Every expert is a seller Thrive Budget (21-day vocation, dream bigger and 50% to survive vs 50% to Thrive!) Shopping for success (comfortable house in a good neighborhood at affordable price and hard assets 401k, IRA) Grade your Guru (education to increase your skills, avoid free lunch seminars, trust results! not big job, titles an Ivy League degree, slick sales pitch) New Chips are safer than Blue Chips Hard Assets (solar panels, gold bubble)