Rule No.9：Don’t gamble-ever.
I am always astounded by the people who hope to make money by betting on the ponies or playing slot machines.I know a man who makes his living by owning a string of these “one armed bandits”，and he has nothing but contempt for the foolish people who are so naive as to imagine that they can beat a machine that is already rigged against them.
I also know one of the best known bookmakers in America.He was a student in my adult-education classes.He told me that with all his knowledge of horse racing，he couldn’t make money betting on the ponies.Yet the facts are that foolish people bet six billion dollars a year on the races-six times as much as our total national debt back in 1910.This bookmaker also told me that if he had an enemy he despised，he could think of no better way of ruining him than by getting him to bet on the races.When I asked him what would happen to the man who played the races according to the tipster sheets，he replied：“You could lose the Mint by betting that way.”
If we are determined to gamble，let’s at least be smart.Let’s find out what the odds are against us.How？By reading a book entitled How to Figure the Odds，by Oswald Jacoby—an authority on bridge and poker，a top-ranking mathematician，a professional statistician，and an insurance actuary.This book devotes 215pages to telling you what the odds are against your winning when you play the ponies，roulette，craps，slot machines，draw poker，stud poker，contract bridge，auction pinochle，the stock market.This book also give you the scientific，mathematical chances on a score of other activities.It doesn’t pretend to show how to make money gambling.The author has no axe to grind.
He merely shows you what the odds are against your winning in all the usual ways of gambling；and when you see the odds，youwill pity the poor suckers who stake their hard-earned wages on horse races or cards or dice or slot machines.If you are tempted to shoot craps or play poker or bet on horses，this book may save you a hundred times-yes，maybe a thousand times-what it costs.
Rule No.10：If we can’t possibly improve our financial situation，let’s be good to ourselves and stop resenting what can’t be changed.
If we can’t possibly improve our financial situation，maybe we can improve our mental attitude towards it.Let’s remember that other people have their financial worries，too.We may be worried because we can’t keep up with the Joneses；but the Joneses are probably worried because they can’t keep up with the Ritzes；and the Ritzes are worried because they can’t keep up with the Vanderbilts.
Some of the most famous men in American history have had their financial troubles.Both Lincoln and Washington had to borrow money to make the trip to be inaugurated as President.
If we can’t have all we want，let’s not poison our days and sour our dispositions with worry and resentment.Let’s be good to ourselves.Let’s try to be philosophical about it.“If you have what seems to you insufficient，”said one of Rome’s greatest philosophers，Seneca，“then you will be miserable even if you possess the world.”
And let’s remember this：even if we owned the entire United States with a hog-tight fence around it，we could eat only three meals a day and sleep in only one bed at a time.
To lessen financial worries，let’s try to follow these rules 10：
1.Get the facts down on paper.
2.Get a tailor-made budget that really fits your needs.
3.Learn how to spend wisely.
4.Don’t increase your headaches with your income.
5.Protect yourself against illness，fire，and emergency expenses.
6.Do not have your life-insurance proceeds paid to your widow in cash.
7.Teach your children a responsible attitude towards money.
8.If necessary，make a little extra money off your kitchen stove.
9.Don’t gamble-ever.
10.If we can’t possibly improve our financial situation，let’s begood to ourselves and stop resenting what can’t be changed.
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