Pound FoolishBy: Helaine Olen If youve ever bought a personal finance book, watched a TV show about stock picking, listened to a radio show about getting out of debt, or attended a seminar to help you plan for your retirement, youve probably heard some version of these quotes: Whats keeping you from being rich? In most cases, it is simply a lack of belief. SUZE ORMAN, The Courage to Be Rich Are you latte ing away your financial future? DAVID BACH, Smart Women