For most, it's not the lack of money that prevents us from prospering. More often than not, it's our lack of understanding about money and how to use it as a tool."

Discuss this statement. Then share your main points and questions with the rest of the class through this discussion board:

• a. Do you agree or disagree with this statement? Why?
• b. What kinds of beliefs and assumptions about money have you received from your family, friends, community or the media? Provide specific examples.
• c. What has your own life experience taught you about money so far? How has this experience affected your mindset towards creating wealth?
• d. What does it mean to use money "as a tool"? How can you use money as a tool at school, at work or in your personal life?