I am constantly shocked at how little talented people earn. I heard the other day that less than 5 percent of Americans earn more than $100，000 a year. A business consultant who specializes in the medical trade was telling me how many doctors dentists and chiropractors struggle financially. All this time， I thought that when they graduated， the dollars would pour in. It was this business consultant who gave me the phrase， “They are one skill away from great wealth.” What this phrase means is that most people need only to learn and master one more skill and their income would jump exponentially. I have mentioned before that financial intelligence is a synthesis of accounting， investing， marketing and law. Combine those four technical skills and making money with money is easier. When it comes to money， the only skill most people know is to work hard.