If you haven’t figured this out by now, let me share one of the most important things everybody should know: The world is full of people who would sell you toe nail clippings and magic cat dung… if they could get away with it.

Unfortunately, the financial service industry breeds more of those opportunists than any other sales field.  And they can skillfully disguise feline faeces to look (and smell) sweeter than a bouquet of spring flowers.

As a young investor, you can’t afford to put some of these products on your dinner plate – not if you eventually want to grow wealthy.  I’m a high school personal finance teacher who built a million dollar investment portfolio by the time I was 38 years old.

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