Specialized Knowledge

The fourth step to riches in the Napoleon Hill philosophy of personal achievement. We learn certain academic things which can be interesting and or boring, but aren't necessarily useful for acquiring wealth. We must realize that real opportunity comes from "seeing" opportunity and pursuing it with enthusiasm, discovering where we are lacking in any specialized knowledge, finding it and acquiring it and applying it. 
Specialized knowledge is knowledge used with the imagination to form ideas and create plans of action for the accumulation of wealth.