One of the things that you are very blunt about is how wealth can unravel and compromise marriages. MARTIN: You do not pull any punches in this book, you know, I have to say. And I can tell you that, once you get to what you call the promised land, it may not be as good as you think. WATTS: Well, I really don't think that the book was meant to expose or to be an expose of wealthy people, but really to talk to the middle class and to say to the middle class, you spend an awful lot of your time dreaming about things you probably will not have. So what's your thought about why this is the right time for this book? So, you know, given the economic troubles that we've been having in this country and also around the world.

It's the trouble of getting by, you know, trying to make sure that their kids are educated, that the mortgage is, you know, paid every month. Watts, let me just say that the first thing I bet is on a lot of people's minds is not the troubles of the wealthy. It's called 'Fables of Fortune: What Rich People Have That You Don't Want.' His name is Richard Watts and he is with us now. And he says he should know because he is a financial and legal advisor to the very wealthy. If you're still contemplating the fantasy of what you could do with money like that, college and retirement funds paid up, a second home, shopping sprees, a life with no worries, our next guest says that old cliche really is true. But if the disappointment of not being a few hundred million dollars richer is still on your mind, this conversation is for you. It's been weeks since that huge lottery jackpot made just a few people millionaires and left many of the rest of us with worthless tickets stuffed in our junk drawers.

We turn now from consumer protection to personal finance.

Mo money mo problems year