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The rich are different from you and me. They have more money.

If you'd like to have more money, too, you'd better learn about building wealth. The Federal Reserve Bank of Dallas can help.

The Fed's Dallas branch has an online publication titled Building Wealth: A Beginner's Guide to Securing Your Financial Future. It's on the Web at www.dallasfed.org/ca/pubs.

Available in English and Spanish, the guide tackles such knotty questions as how to reduce debt, budget, set goals, invest and build savings.

Learn to track your spending. Understand risk and return. Take control of debt. In no time, you'll be replacing your liabilities with assets and worrying about things like capital gains taxes.

- John M. Moran/Hartford Courant

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