Personal Experiances or Observations The Fourth Step towards Riches Here Napoleon Hill describes in Chapter 5 Specialized Knowledge what education and the lack of it may have to do with the yours or my ability to obtain money. Litterally to have abundant money can be considered impossible without a high end education from a famous university but if you look at some dramatic history of people like Thomas Edison and Henry Ford (an ignorant Pacifist) you'll see that little or even almost no education can't stop those who will not be stopped. This was another hard chapter to read because we just don't talk like that in 2009, but it's worth watching and reading yourself because it's a reminder that is worth hearing.