The challenge is to find ways to obtain reliable information before a decision must be made. The objective is not so much finding people who will tell you what you must do as it is to find people who can intelligently help evaluate options. Above all, avoid “Get Rich Quick Schemes.”

Here’s a good example:

Joe Gibbs reached the pinnacle of success as a coach when his Washington Redskins won the 1983 Super Bowl. But his elation was short lived. Not long after, he made a series of bad investments resulting in huge debts he could not repay. Finally, with help from friends and encouragement from his wife and sons, debts were paid. The family now operates a very successful and profitable car racing business.

Lesson: Why sacrifice good things for high-risk ventures? Lasting financial success comes from persistence and doing what you do best.