Follow the (Wealthy) Leader

How many times have you been about to make a financial decision -- take out a loan, risk some money, something -- and you wanted to know how the really rich would do it?

Now, one way to do it is to join Tiger 21 -- a club for the super-rich who talk to each other about their wealth and how they go about managing it.

But it costs $25,000 a year, and you need $5 million or more to qualify.

Maybe this is for you -- if so, congratulations. But what about everyone else? ...