Douglas R. Andrew is a successful financial analyst, lecturer, and consultant that enable his Clients to dramatically increase their financial independence. In his book Missed Fortune he shares proven techniques designed to help increase your financial intelligence and net worth.
The following passages from Missed Fortune are in line with my beliefs, products, and company missions.
The worst form of ignorance is when we judge or reject something we know little or nothing about.
If you want to be a Millionaire, don't rely on the advice of those who aren't! 
Yes, you can be a Millionaire, even a Multi-millionaire, and your greatest catapult is probably sitting right under your own roof! Two-thirds of American households have Equity in their home.
The key to enhancing net worth is managing the equity in your home to increase Liquidity, extend Safety, improve Rate of Return, and maximize Tax Deductions.
The average American family saves between 2 and 3 percent of its income.
Few of us take enough time to learn what to do with our money after earning it! Most Americans spend more time each year planning their summer vacations than they do planning their finances.
Contrary to popular belief, any conceivable financial setback can likely be best resolved if your Home Equity is separated from your property rather than trapped in it!
For years I have shown clients who were considering traditional "extra-Principal Payment" methods how to pay off their Homes more quickly and shrewdly, making use of their money and Uncle Sam's. If Homeowners would deposit those extra Principal Payments in a separate, liquid, and safe Side Fund instead of giving them to their Mortgage companies, they would accumulate enough money to pay off the Mortgage in as short a time frame, or even shorter, as with any extra Principal Payment method. 
Additionally, with the establishment of a side fund, the Homeowner then enjoys advantages which are tremendously greater than giving the money to the Mortgage Banker.
Every time you pay an extra Principal Payment to the mortgage banker, you are in essence saying, "Here, Mr. Banker, is some extra money. Don't pay me any interest on that money! If I want it back, I will borrow if back on your terms and prove there's a valid reason why I should have it". How ridiculous! Yet, every time we pay extra principal payments, this is exactly what we are doing.
Why is liquidity important? Liquidity is important because Life is unpredictable.
One of the purposes of managing Equity is to allow you the ability to act upon opportunities rather than be forced to react to situations. When fluctuations in the market occur, truly, the smart rich get richer. Unfortunately, in those same circumstances, the poor often get poorer (with respect to knowledge and liquid assets).
It is never a wise choice to borrow Equity from a Home for the purpose of acquiring any kind of depreciating asset, such as Cars, Boats, Vacations, or other Toys.
