Money spent to improve your knowledge, make you more competent or improve your skills, usually pays off from 100 to 1000 beans earned back for each bean spent. Investing in YOU pays off during your entire lifetime. Brilliant spending.

If you own a business, some employees' pay may be good Bean Theory application. They do more than expected and add to the success of the business. Good spending.

Other employees do less than the others and try to suck everyone down to their unhappy existence. They are not a good investment of beans. Bad spending.

Each part of your business can be classified as good or bad spending. For example, an auto repair shop has several departments. Its auto paint department returns five beans for every bean paid into it. But its muffler department only returns one bean for each two beans it receives. If the owners are ... Read more »