Get-rich-quick schemes don’t work except for the person selling the scheme. And, in fact, they drain off energy and money you really should be using to build your investments with Quicken 2012. You know all this, of course.

Trying the occasional flier isn;'t a bad idea. If you have some small percentage of your investment money chasing speculative returns, that’s okay, but only as long as this iffy investing doesn’t foul up your other, more important, boring-but-predictable wealth building for retirement. That’s fair, right?

If you want to try chasing down the hottest new mutual fund or try online day-trading or invest in some friend’s start-up business, that seems okay. But you can’t allow these get-rich-quick schemes to foul up your meat-and-potatoes investing.

Unfortunately, most of the people who get involved in get-rich-quick schemes try to use this speculation as a replacement for true, disciplined investing.

Many, and perhaps even most, of the best-selling books about money and investment techniques amount to just new get-rich-quick schemes. Any book that promises you some way to magically and consistently double or triple the returns that other investors earn is a get-rich-quick scheme.