The value of saving and planning was instilled in me by my
father when I was a child. At age 16 he convinced me
to take my very first income tax refund check and save it
for my future. I had already earmarked the refund
to buy clothes. Fortunately for me, I listened
to him and invested the refund instead of buying clothes,
because six years later I took the proceeds from that
investment and used them toward the down payment of my
very first house.
In 1982 I joined my father in his financial services business
and resumed my education in the financial world.
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