Lunch with the girls -- The girls -- My story -- Twenty years ago, in the Islands -- It's about more than money -- "I don't have the time" -- What does it mean to be financially independent -- "I'm not smart enough" -- How to get smarter quickly -- "I'm scared stiff" -- How wealthy are you? -- "I don't have the money" -- More about the money -- "My partner's not interested" -- Why women make great investors -- "I'm ready to start" -- Ninety percent of success is just showing up! -- Let the process begin! -- Three types of men, three types of investments -- The first four keys to being a successful investor -- Then next five keys to being a successful investor -- "Show me the plan!" -- Full throttle! -- Dinner with the girls, a celebration