We often receive emails from our readers. We had an interesting one last month. There is a fair bit of learning involved, so I thought I would share it with everyone. There are three issues I would like to clarify today and this is going to be a rather long post. 1. Financial Idiot? No Way! First of all, J, you are not a financial idiot. You are a star and you deserve a medal. Allow me to explain why. Psychologists have identified four stages in which all learners of knowledge and skills go through. Everyone starts off with being Unconscious Incompetent. At this stage, we do not understand or know how to do something. We do not even know about the skill we are about to learn, and many a time, we end up denying the importance of it. In other words, one does not know what he does ......