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1、INTRODUCTIONThereisaNeedDoesschoolpreparechildrenfortherealworld?"Studyhardandgetgoodgradesandyouwillfindahigh-payingjobwithgreatbenefits,"myparentsusedtosay.Theirgoalinlifewastoprovideacollegeeducationformyoldersisterandme,sothatwewouldhavethegreatestchanceforsuccessinlife.WhenTfinallyearnedmydipl
2、omain1976-graduatingwithhonors,andnearthetopofmyclass,inaccountingfromFloridaStateUniversity-myparentshadrealizedtheirgoal.Itwasthecrowningachievementoftheirlives.Inaccordancewiththe"MasterPlan,"Iwashiredbya"Big8"accountingfirm,andIlookedforwardtoalongcareerandretirementatanearlyage.Myhusband,Micha
3、el,followedasimilarpath.Webothcamefromhard-workingfamilies,ofmodestmeansbutwithstrongworkethics.Michaelalsograduatedwithhonors,buthedidittwice:firstasanengineerandthenfromlawschool.HewasquicklyrecruitedbyaprestigiousWashington,D.C.,lawfirmthatspecializedinpatentlaw,andhisfutureseemedbright,careerpa
4、thwell-definedandearlyretirementguaranteed.Althoughwehavebeensuccessfulinourcareers,theyhavenotturnedoutquiteasweexpected.Webothhavechangedpositionsseveraltimes-foralltherightreasons-buttherearenopensionplansvestingonourbehalf.Ourretirementfundsaregrowingonlythroughourindividualcontributions.Michae
5、landIhaveawonderfulmarriagewiththreegreatchildren.AsIwritethis,twoareincollegeandoneisjustbeginninghighschool.Wehavespentafortunemakingsureourchildrenhavereceivedthebesteducationavailable.Onedayin1996,oneofmychildrencamehomedisillusionedwithschool.Hewasboredandtiredofstudying."WhyshouldIputtimeinto
6、studyingsubjectsIwillneveruseinreallife?"heprotested.Withoutthinking,Iresponded,"Becauseifyoudon'tgetgoodgrades,youwon'tgetintocollege.""RegardlessofwhetherIgotocollege,"hereplied,"I'mgoingtoberich.""Ifyoudon'tgraduatefromcollege,youwon'tgetagoodjob,"Irespondedwithatingeofpanicandmotherlyconcern."A
7、ndifyoudon'thaveagoodjob,howdoyouplantogetrich?"Mysonsmirkedandslowlyshookhisheadwithmildboredom.Wehavehadthistalkmanytimesbefore.Heloweredhisheadandrolledhiseyes.Mywordsofmotherlywisdomwerefallingondeafear
