I'm a financial planner and I've told a retired engineer (early 60s) that with his 800k nest egg he would never have to worry about money again and I've told a doctor (early 60s) that his 3.3 million wouldn't last 20 years and more likely closer to only 15.

I've seen people invest more into real estate training than you could get a medical degree with....

Check out the abandonded house I bought & rehabbed on my website, it came out killer and netted me a doctors salary!

Job loss, medical issues, forced move, or some such.

(His hardship was medical bills.)

Doctors are a case in point.

If they had some kind of financial or medical hardship then it would be easier.. etc?

My tenants are having problems with their newborn and have to move in with family to afford the medical care.

Nothing else.When I'm waiting for doctor's appointments-dentists, in line for other mundane consumer chores, I put stuff on index cards and study them. like sales objection handlers, marketing ideas, and the like.Or I talk into a portable digital tape recorder.Or I practice to complete and utter strangers my "elevator speech."

Beth Brooke, global vice chair at Ernst & Young LLP, WSJ, Sept 30, 2008 "Blaming fair-value accounting for the credit crisis is a lot like going to a doctor for a diagnosis and then blaming him for telling you that you are sick."