“He that winneth souls is wise.” (Proverbs 11:30) I am not a financial genius. Far from it. But over the years I have learned a few things about money. The first concept someone explained to me was that the earlier we invest, the longer our money will have to compound and grow. Through the years, small amounts become larger as our investments grow. The second piece of advice was that to succeed we must hang in there through downward trends and reversals. Don’t panic in the lean times. It’s all long-term, they said. Some of us did not understand these…