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When Charles Schwab was 70 years old, he made the following statement. These words were spoken for the record in a court of law after he’d just won a nuisance suit. He said, “I’d like to say here in a court of law, and speaking as an old man, that 9/10ths of my troubles are traceable to my being kind to others.

-Look you young people, if you want to steer away from trouble, be hard-boiled. Be quick with a good loud “no” to anyone and everyone. If you follow this rule, you will seldom be bothered as you tread life’s pathway. Except you’ll have no friends, you’ll be lonely, and you won’t have any fun!”

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