You know what they say about karma. I was a scholarship student at a prep school who watched as his friends were afforded the best. I always felt inadequate and even though my friends wanted to assure me, there was always that one that made sure you knew your place. The reason I speak of karma is that I used my education to parlay it into finance. One of the first things I invested in were gold proof coins. I have made many more investments since then and become quite wealthy. I saw that old ‘friend’ recently and it was not pretty. He had not a penny to speak of due to poor investments made with his trust fund.