You could be very hard working, earning good money but still living with many financial challenges. The simple reason why such a thing happens is because; it takes more of financial intelligence than money to overcome financial problems. But, so many people do not know this hence, rather than seeking to acquire more money skills they are always seeking pay raise and opportunities that offer more money. I have observed that the poor people seem to work harder, most times make more money but the problem is that, they lack financial intelligence. They spend the greater part of their income acquiring liabilities instead of buying assets. They spend their entire life working for money instead of making their money to work for them. Instead of building networks they are continuously in search of works that offer them higher pay. If you are living that way, it is certain that you might not be able to experience what is called financial freedom. Achieving financial freedom goes be