He isnamp;#039;t your typical Wall Street guy. An ex-Green Beret and former river guide, Phil Town is a self-made millionaire several times over and Americaamp;#039;s most widely sought-after speaker on investing. In his new book, RULE #1, he describes the Rule #1 personal financial strategy in detail so that anyone, even first-time investors,can get#xbf;and stay#xbf;rich.#xd;#xa;#xd;#xa;Phil Town is the classic Everyman, albeit one whose education and resources were more limited than most. An average high school student, he completed college on his fourth try. Of his early working years, he says he quot;mostly got dirty for a living,quot; taking on jobs such as digging ditches and pumping gas. Town spent three and a half years in the Army. He returned from the Vietnam War and found a job in the States as a river guide.#xd;#xa;#xd;#xa;Drifting through California, Utah, and Idaho, he subsisted at poverty level, combining his wages from the guiding season and unemployment. He wore black leathers, sported a goatee, lived in a teepee in the woods near Flagstaff, Arizona, and quot;drove around in a really loud black Harley Davidson.quot;#xd;#xa;#xd;#xa;In the early amp;#039;80s, Townamp;#039;s life changed radically. He was guiding trustees from the educational program Outward Bound down the nastiest rapid on the Grand Canyonamp;#039;s Colorado River, when his split-second decisions saved a boatload of people from a whitewater disaster. A grateful and financially astute client returned the favor by guiding Town into serious, successful investing using the first rule of investing as ascribed to by Warren Buffett: Donamp;#039;t lose money. Within five years, Town had built a borrowed $1,000 into $1 million. His fortunes improved radically, and rapidly, from then on.#xd;#xa;#xd;#xa;Phil Town has appeared regularly on the same stage as Rudy Giuliani, Jimmy Carter, and Colin Powell. He speaks to more than 500,000 people annually about Rule #1.#xd;#xa;#xd;#xa;Town lives in Jackson Hole, Wyoming.