Charles Schwab

I remember very vividly - I wrote about it in one of my books - my first IRA. I contributed $2,000 every year, and in 21 years, the funds in that IRA account grew to $260,000. Seems like sort of a miracle, but it happened.

I did all kinds of things as a young person to try to make money. I had a chicken operation - I sold chickens. I can remember going to high school football games as a ten-year-old and gathering Coca-Cola bottles, 'cause you'd turn them in and get a nickel. I wanted not to remain idle.

Leverage is great when it works, and when it doesn't work, it creates a lot of issues. So I think if you limit the amount of leverage that people can borrow, or that banks can borrow, I think you'll find that you'll have a lot less issues going forward.