Poverty is not a disgrace, but it’s terribly inconvenient. I remember reading Tina Sellig’s (executive director of the Stanford Technology Ventures Program) book- What I wish I knew when I was 20. (I don’t know Tina, though I wish I did, and I love her book.) She gave her students the exact same problem. Here are her words, with my emphasis. If you don’t have time to read the whole thing, just skim and read the words in bold. You Only Have $5. What is the Best Way to Invest and Grow your Money?