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Published by: Brad Turk on Jan 19, 2011
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  • My Lifemoney
  • If I can do it…
  • My Early Years
  • Persistence Pays Off
  • Looking for Motivation
  • Knowing Myself
  • Learning About Business
  • Getting Focused
  • This Was Only the Beginning
  • Global Business Solutions, Inc
  • Heat Wave Tanning, Inc
  • Self Made Records, Inc. / MyMusicSite.com
  • Lifemoney Lesson # 1: Defining Success
  • Want to Succeed? Sleep Late!
  • Success on Your Terms
  • Find the “U” in “SUCCESS”
  • WHOSE Dream Is It, Anyway?
  • Goal Achievement Exercise A
  • Win Life’s Lotto (Real Wealth is Measured by Achievement, Not Cash)
  • You Are in Control
  • Defining Success Summary
  • Millionaire’s Checklist:
  • Lifemoney Lesson # 2: Knowing Yourself
  • Sometimes It’s Better to Strike Out
  • Who are you?
  • Don’t Be a Stranger (To Yourself)
  • Goal Achievement Exercise B
  • Goal Achievement Exercise C
  • What Are Your Limitations?
  • Goal Achievement Exercise D
  • Get Rid of It!
  • Buy Stock in Yourself
  • Goal Achievement Exercise E
  • Make Less - Find More
  • A Fish Story
  • Can You Dunk?
  • Knowing Yourself Summary
  • Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles
  • A Quick Review
  • Step Up
  • Start by Writing a Goal
  • Goal Achievement Exercise F
  • Establishing Action Steps
  • Goal Achievement Exercise G
  • Timelines
  • Goal Achievement Exercise H
  • Write It Down
  • Goal Achievement Exercise I
  • Nothing Can Stop Me Now…
  • Goal Achievement Exercise J
  • Goal: To pilot my own airplane
  • Three Huge Obstacles
  • Goal-Setting and Overcoming Obstacles Summary
  • Lifemoney Lesson # 4: Gathering the Tools for Success
  • A Successful Person’s Tool Belt
  • Tool #1: Focus
  • Goal Achievement Exercise K
  • Tool #2: Time Management
  • Tool #3: Efficiency
  • Goal Achievement Exercise L
  • Tool #4: Priorities
  • Tool #5: Do or Die Trying Commitment
  • Gathering the Tools for Success Summary
  • Lifemoney Lesson # 5: Evaluating Your Progress
  • Progress Report
  • Don’t forget the map!
  • Goal Achievement Exercise M
  • Maintaining Your Course
  • O.K….What If You’re Way Off Track?
  • Goal Achievement Exercise N
  • Evaluating Your Progress Summary
  • Lifemoney Lesson # 6: Resourcefulness
  • Can’t Get a Job? Buy the Company!
  • MacGyver It!
  • Keep Looking - You’ll Find It
  • There’s No Need To Grow Up
  • Goal Achievement Exercise O
  • Find An Expert
  • Goal Achievement Exercise P
  • Resourcefulness Summary
  • Lifemoney Lesson # 7: Creativity
  • A Lesson From Trump
  • Goal Achievement Exercise Q
  • Goal Achievement Exercise R
  • Five Creativity Factors
  • Lifemoney Lesson # 8: 12 Steps for Power with People
  • Overview
  • Sharpen Your People Skills
  • Goal Achievement Exercise S
  • Turk’s 12-Step Plan for Bridge Building
  • 12 Steps for Power with People Summary
  • Lifemoney Lesson # 9: Positively Thinking
  • Where’s Your Head At?
  • The Multi-Millionaire Blues
  • Change the Mental Channel
  • Goal Achievement Exercise T
  • Don’t Complain - Fix It
  • Goal Achievement Exercise U
  • The Key to Success? Live Out Of Your Car
  • Worst Case - Best Case
  • Keep It Moving
  • Eliminate Negative Self-Talk
  • Create a Repeatable Success Thought
  • Goal Achievement Exercise V
  • Positively Thinking Summary
  • Lifemoney Lesson # 10: Sacrifice
  • Borrow, Go into Debt and Max Out Your Credit Cards
  • Sacrificing for Success
  • Goal Achievement Exercise W
  • Goal Achievement Exercise X
  • Sacrifice Summary
  • Doing Time
  • Mañana
  • So what should you do to be more patient?
  • Enjoy the Journey
  • The 5 Year Test
  • Goal Achievement Exercise Y
  • Seek Happiness in Simplicity
  • GOAL (Go Out And Live)
  • Goal Achievement Exercise Z
  • Patience and Enjoying the Journey Summary


The Proven System for Creating the Money You NEED for the Life You WANT

By Self-made Millionaire Brad Turk


life·mon·ey (n): the non-monetary currency needed to attain success and develop wealth and personal satisfaction


Copyright (©) 2007 Brad Turk

All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or any other means electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of the publisher.


This book is dedicated to all those success stories that were earned through a smart plan, hard work and dedication. To the underdog that went beyond what they imagined they could achieve by never giving up. To those that are on the road to accomplish this success, are committed to their cause and will not be sidetracked....


.......................................................................................................................................42 Goal Achievement Exercise C ...........24 Success on Your Terms ..........................6 If I can do it… .....................44 What Are Your Limitations?........................................9 Looking for Motivation ...................... Not Cash) .................................................................................................................................................38 Sometimes It’s Better to Strike Out .........................................................................................18 Heat Wave Tanning................................................................................. Inc..................................................................................................................Find More.....................................................................................................................................32 Win Life’s Lotto (Real Wealth is Measured by Achievement................................................Table of Contents Introduction: Millionaire by 30......39 Don’t Be a Stranger (To Yourself)..................................................................8 Persistence Pays Off ................................................... .......................................................................................... / MyMusicSite...... Inc.....15 This Was Only the Beginning ..........48 Buy Stock in Yourself ......................................................................com ....39 Who are you? .............................................. 6 Overview........................................................50 Goal Achievement Exercise E ...............................................................................................................................................................................................56 v ....10 Knowing Myself......................................................................................................................................................................................................................................................................................13 Getting Focused.......................23 Lifemoney Lesson # 1: Defining Success................................ Inc.........................................17 Global Business Solutions................... Too!.........................................41 Goal Achievement Exercise B ..............24 Overview............................................................................... Anyway? .......................................................................................................................................................................37 Lifemoney Lesson # 2: Knowing Yourself ............38 Overview...........................................................................................................51 Make Less .53 Can You Dunk?........................................................................................................................................................................................ 1 My Lifemoney .................................................................................................................................................................................47 Get Rid of It! ............................31 Goal Achievement Exercise A....................................................................... Retired by 35: What Lifemoney Means to Me....................................11 Learning About Business.......................................................................24 Want to Succeed? Sleep Late!................46 Goal Achievement Exercise D................................................................................................................................................36 Millionaire’s Checklist: ..........................6 My Early Years ...................................................................19 Self Made Records..........33 You Are in Control......... .........34 Defining Success Summary .............................................................................................................................................................................................................................................................................................52 A Fish Story .....21 …You Can Do It.........................28 WHOSE Dream Is It.................27 Find the “U” in “SUCCESS” ...........................................................................................................................................................................................................................................................

......116 Overview.......................................................................................81 Overview.............................................................84 Tool #2: Time Management .............................................................................................67 Nothing Can Stop Me Now…..................................................59 A Quick Review .....................................................63 Timelines ................................................................................... 114 Millionaire’s Checklist: .....................................................................................Knowing Yourself Summary ...........................................................................................................................................................63 Goal Achievement Exercise G.....................................................................................................61 Goal Achievement Exercise F ......................................... 110 Goal Achievement Exercise N................................................................66 Goal Achievement Exercise I ..............71 Three Huge Obstacles........................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles..................................................................................................101 Overview.................................................................................................................................................................................................................59 Step Up .......................................................................................................................................... 105 Maintaining Your Course .........89 Tool #4: Priorities.......................64 Goal Achievement Exercise H...................................................................................................................................................................................................................................................65 Write It Down .....................................................59 Overview............................................... 100 Lifemoney Lesson # 5: Evaluating Your Progress ......................................... 115 Lifemoney Lesson # 6: Resourcefulness........................................................................................... 101 Progress Report ...............................................................................................................................................85 Tool #3: Efficiency ......................................................................................................79 Lifemoney Lesson # 4: Gathering the Tools for Success....................69 Goal Achievement Exercise J .....................................88 Goal Achievement Exercise L .......83 Goal Achievement Exercise K...........................................70 Goal: To pilot my own airplane ............ 116 MacGyver It!............................................................................................................................................................................................................................................72 Goal-Setting and Overcoming Obstacles Summary............................. 103 Goal Achievement Exercise M .81 Tool #1: Focus ...............................................................................................................................................................................................................................................98 Millionaire’s Checklist: ......................................................................................................................................................................95 Gathering the Tools for Success Summary............................................................................................................................................................................................................................................What If You’re Way Off Track?..............................................................................................................61 Establishing Action Steps ........57 Millionaire’s Checklist: ...................................................................................................................................... 111 Evaluating Your Progress Summary ........................ 118 vi ...............................................................79 Millionaire’s Checklist: ...........................................................................................................................................81 A Successful Person’s Tool Belt ......................................K…...... 107 O......................................................................... 116 Can’t Get a Job? Buy the Company! .............................................60 Start by Writing a Goal..............................92 Tool #5: Do or Die Trying Commitment................................................... 101 Don’t forget the map! .................................................................................................................

.............................. 181 Lifemoney Lesson # 10: Sacrifice .................................................................................................................................................... 132 Lifemoney Lesson # 7: Creativity ............. 152 12 Steps for Power with People Summary ...................................................................................................................................................................... 182 Borrow.................................................. 165 Lifemoney Lesson # 9: Positively Thinking ................................................ 137 Five Creativity Factors .............................................................................................................................................................................................Fix It .......................... 170 Don’t Complain ........................................................ 130 Resourcefulness Summary...You’ll Find It ................................................. 167 Change the Mental Channel........................................... 176 Create a Repeatable Success Thought ...................................................................... 135 Dream It............................... 195 vii ........................................................................................................................................................................................... 137 Millionaire’s Checklist: ...................... Do It! . 133 A Lesson From Trump ................................................................................................. 189 Sacrifice Summary .....................................133 Overview.......................................................................................................................... 147 Lifemoney Lesson # 8: 12 Steps for Power with People......... 179 Millionaire’s Checklist: ...................... 171 Goal Achievement Exercise U...................... 151 Turk’s 12-Step Plan for Bridge Building....................... 183 Sacrificing for Success ............................................. 166 Where’s Your Head At? .. 175 Keep It Moving ........................................................... 125 Goal Achievement Exercise O............................................ 177 Goal Achievement Exercise V.......................................................................... 174 Worst Case ..............................................................................................................................................................................................................................................................................................................166 Overview................................... 128 Goal Achievement Exercise P ............................................ 131 Millionaire’s Checklist: ...................................................................................................................................... 164 Millionaire’s Checklist: ..................................................................................................... 185 Goal Achievement Exercise X....................................................................................................................................................... 173 The Key to Success? Live Out Of Your Car......................................................... 149 Goal Achievement Exercise S ........................................................ 166 The Multi-Millionaire Blues ............................... 178 Positively Thinking Summary ..... 127 Find An Expert ........ 149 Sharpen Your People Skills ......................................................................................................................................................................................................................................................................................................................................................................................... Go into Debt and Max Out Your Credit Cards ............................................. 135 Goal Achievement Exercise R ........................................................................................................................................................................................... 175 Eliminate Negative Self-Talk........149 Overview............................................................................................................. 169 Goal Achievement Exercise T ...................................................... 184 Goal Achievement Exercise W ......................................................................................................................................................................................................Keep Looking ..........182 Overview.... 122 There’s No Need To Grow Up................... 194 Millionaire’s Checklist: ....................................................................................................................................................................................................................Best Case... See It............. 133 Goal Achievement Exercise Q................................

................................................................................... 202 GOAL (Go Out And Live)..196 Overview............................................................................................ 201 The 5 Year Test ........................................................................................................................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey .......... 196 Mañana ...................................................................................................................... 202 Seek Happiness in Simplicity ........................................................................................................................... 198 So what should you do to be more patient? .. 207 Millionaire’s Checklist: .................................................................................................................................................................................................... 196 Doing Time ...................... 206 Patience and Enjoying the Journey Summary.................................................................................. 201 Goal Achievement Exercise Y................................................................................................................................................................................ 204 Goal Achievement Exercise Z ....................................... 208 viii ............................. 200 Enjoy the Journey...................

it’s at what income. not money. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first.Introduction: Millionaire by 30.” -George Foreman Life comes first. Lifemoney will show you what you really need to live the life you want. Money is simply a tool to help you get what you want out of life. Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how. Lifemoney will help you understand what success really means and teach you how to attain it. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. new entrepreneurs perfectly – but can be adopted at any age. 1 .

a new job or just a raise or promotion in your current job.000 in quarterly bonuses. In this book. yet most people don’t use the correct tools to get what they want. it’s the job that makes you happy on a daily basis or brings you closer to your goals. Would you use your shoe? Would it work? Possibly. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. For example.One of the most unique features of Lifemoney is that it’s entirely personal. part financial management. if it’s money that you’re after. Imagine having the task of hammering a nail. a new home. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. Part self-help. we’ve finally got our priorities straight: We go after what we really want! You don’t have to be a celebrity – or even a millionaire – to feel successful and enjoy an intense and satisfying feeling of self-worth and accomplishment. If it’s career happiness you’re looking for. part how-to. be it a million dollars. But how much easier would it be using a hammer? Lifemoney is a hammer: it teaches you how to realize your goals and become a happier person by using the right tool for the right job. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . Lifemoney begs the universal question: What do I really want? Is it money? Happiness? Health? Self-worth? Or a life where money is merely a tool and not the measuring stick by which we rank ourselves against one another? When it comes to Lifemoney. it’s not the dollar figure I define as Lifemoney that’s important. it’s the dollar figure you define.000 a year or $2. it’s not the job that I feel is prestigious that matters. It could be $240 a week or $240.400.

and want to share them with you. Lifemoney will give you a blueprint for success in all facets of life. Instead of concentrating solely on the financial aspects of making your first million. there are common qualities. My definition of success is simple: Accomplishing what you set out to do. not just financial. It offers a set of tools. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . let alone both? I was a millionaire before the age of 30 and retired soon after. Whether you are looking to be the next pop star or the perfect housewife. I have been fortunate enough to learn that most successful people share a lot of the same attributes.most of whom happen to be multimillionaires. If you learn these lessons – and actually follow them – you can and will succeed. The exercises in the book 3 . I have distilled those attributes.My Lifemoney WANT. This book will show you what those characteristics are. Through my interactions with many successful and famous people (some recording artists. So who is Brad Turk and why am I qualified to write a book about life or money.). My schedule and time belong to me and I do what I want with my days. along with real-life examples you can use to plot your course for success. used them for my own personal success. I am living the life that I want to live. some executives. characteristics and personality traits that you will need to get you there. etc. But more importantly. This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life.

see what works for you and.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. 4 . as a result be able to adopt them to fit your needs to reach your goals and attain the success you’ve always been looking for. In this book. While reading Lifemoney you will become familiar with these attributes. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. prioritize and manage time Learning the value of determination and commitment in attaining goals • • • • • • Learning how to evaluate progress and welcome criticism Learning how to be resourceful when overcoming obstacles Learning how to deal with people effectively Learning how to use creativity to get more out of life Using the power of positive thinking Learning to sacrifice some of what you have to get more of what you want • Being patient and enjoying the journey Lifemoney is designed to walk you through each of these attributes. you’ll find ways of: • • • • • Understanding what success means to YOU Matching what you want with your abilities Learning to go after goals by setting specific tasks with timelines Learning how to focus.

there is more to life than money but you just can’t live in this world without money. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. list and track your progress. Clearly. Both the Millionaire’s Checklist (Code: BAyyRJ) and the A-Z Achievement Full Exercise Workbook (Code: m3sUMQ) are available for FREE download on my website at www.com (Code: naNtZB). Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs. 5 . Sprinkled throughout the lessons are A-Z Goal Achievement Exercises that ask you to reflect on how to apply what you just read to your own life. Repeat these affirmations to yourself when you need a quick boost. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it. What’s the answer? Lifemoney.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. These proven tools are specifically designed to help you plot. Everyone needs some kind of stimulation and/or support to keep their spirits alive. Feel free to use mine – memorize a few of them and repeat them to yourself when you feel like you’re not making progress – or add some of your own.bradturk. This checklist will help you quickly see if you are developing the skills that were discussed in that lesson. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement.com. I have created a list (that I use) of affirmations that you can also download for FREE at www.bradturk. The higher your score – the higher your Lifemoney skill level.

business owner and entrepreneur. Over the course of my very short professional life I’ve achieved the American dream: I’m young. I’ve found the American dream and retired early.” -Brad Turk Overview I want to take just a few pages to introduce myself. If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. salesman. entertainment field and having a 6 . I achieved personal and financial success through various ventures in the telecommunications industry. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself.Lifemoney My Lifemoney “It’s never too early…to make your first million. actor. rich and retired. Through experiences as diverse as being a break dancer.

adapting the rules of success to your personal situation. But if you look carefully at the histories of most success stories you’ll find a lot of similarities.My Lifemoney retail tanning salon. It is often hard for us to look at a Russell Simmons or a Donald Trump and think we could ever attain that level of success. These lessons can be learned by anyone. and if you’re willing to be my student for just a short time I can show you how. It’s not that hard really.com arena or hit the lottery. That’s what Lifemoney is all about. Think of the old story about giving someone a fish or teaching them how to fish. Diddy and even myself have been “taught how to fish” at some point in their lives. Give someone a fish and they eat for a day. Not all of these successes share the exact same 7 . whether it was through direct interaction with a mentor or learning from other sources. Instead. I have used the attributes I describe for you in this book over and over again in many different businesses – all with the same successful results. I did not strike it rich in the dot. All the successful people I discuss throughout this book including Warren Buffett. You’ll never need to go hungry again. I am going to share just a little bit of my personal history first because I know myself that to trust someone I need to know a bit more about their background – what has formed them into the person they have become. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. teach them how to fish and they eat for the rest of their lives. Consider these lessons to be the fishing rod. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success. boat and everything you’ll need for a life of accomplishment and success.

new friends and. That’s where I first learned about work ethic. I won’t be insulted. I got heavily into break dancing. My Early Years I began life in the Pomonok public housing projects in Flushing. and by the way. I’ve learned that they’ve come to their successful place in life by either having or by acquiring the attributes I discuss in Lifemoney. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. When I got to junior high. New York. In addition. It was a much nicer neighborhood. I learned these lessons by reading books of successful people and from my peers. (Oh. my mom and I had moved to Forest Hills. I relate this in the hopes that you too can see similar possibilities for learning in your life and understand that you can acquire the tools that are needed to be successful. and no money. The move brought my working mother closer to her jobs and me closer to seeing what life could be like on the other side of the tracks. best of all. By the time I was in fifth grade. You can always come back to me later).Lifemoney attributes. though. Mom didn’t let it stop her. new opportunities. New York. new neighbors. if you don’t care about me and want to jump right into Lifemoney Lesson #1 and see what YOU need to do to be successful. and she was a tremendous teacher. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . She kept right on plugging away with her 3 jobs. rapping and acting. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. There were new surroundings. but they usually have a lot of similarities.

and I began going into the city (New York) for auditions to try breaking into the business. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. Persistence Pays Off To make it in the acting field you need an agent. The first agency I visited was Schuller Talent. Finding an agent to represent my efforts was. I bought a reference book called The Ross Report. For starters. as you can imagine. But the first rule of success I learned was to work around your obstacles. To follow my dream I had to overcome several obstacles. I sent the package out to the same agents two times but didn’t get one response either time. which listed talent agents.” The do-not-call rule was strongly enforced. I’ve always been a hustler. I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. a huge child actor of the time 9 . as well as how to contact them. Frustrated by the lack of response. In fact. This is when I first began to learn about the value of persistence. not succumb to them. and thinking outside the box.My Lifemoney industry. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. Since my working mom didn’t get home until late I would go alone by train. dealing with people. Actually. I followed directions exactly and sent my headshot along with a resume to one hundred agents. Most emphasized the boldface message “not to be called or visited. I decided not to sit around and wait for something to happen. They represented such actors as Emanuel (Webster) Luis. the only way to contact agents was to send query letters with photos and resumes. a renowned child talent group. not easy.

I told her I just wanted to make sure it got into the correct person’s hands. and found the success I was seeking. the child actor from television’s Who’s the Boss? Walking through the agency’s door I met a pleasant secretary and introduced myself. Looking for Motivation Unfortunately. who was extremely nice and reassured me she would get my packet into the right hands. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. Hanging out with my friends and social activities seemed more important. auditioned. I didn’t do very well in high school. I barely 10 . I returned the following week. From the corner of my eye I noticed a woman standing in the doorway. I set out to get answers to my questions. She followed me out and introduced herself as “Davina. After thanking the secretary. I turned to leave. I might not be where I am today. going out near the door where the other woman had been listening.” the agent in charge of the group that I wanted to join. I thought that she was listening to what was going on. and when I did show up I didn’t pay much attention. and signed with Schuller for representation. I often skipped classes. She must have seen something about me she liked – I think it must have been my persistence – and she asked me to come back and audition for her. Had I continued to wait for calls that never came. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash.Lifemoney and Danny Pintauro. As a result. I continued my conversation with the secretary. But taking the initiative. Not surprisingly. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework.

I had a hard time getting into college. For these reasons. I didn’t have much reason to go to college at the time – I just didn’t know what else to do! Someone in my homeroom class during senior year suggested a college she thought I could get into. I learned early on that being a struggling actor was not for me. The following semester I got a 3. 11 . And.92. using my acting resume. I got accepted. With this pressure from my parents. But he and my mother told me that they would only support me if I did well the first semester. Through hard work. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. the odds are severely stacked against huge financial success. My father had resurfaced in my life to pay for college. I earned a 3. they didn’t want to pay for it. The only thing to be decided was how I would get where I wanted to go. It was a great lesson: Not all of success is flashy and easy. I changed my habits and learned how to be a student. Although you can make a good income from acting. I decided I didn’t want to end up stuck with no way out. After getting in. I was looking to make a lot of money and enjoy nice things. they explained.88 grade point that term. I applied for a double major in business and theater and. If I was going to “screw up” like I did in high school. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted.My Lifemoney made it through. I realized that my next job was staying in. and was eventually inducted into the Phi Eta Sigma national honor society. Knowing Myself In time I would become a very successful entrepreneur.

When it came to making money. I could see the moment in that restaurant as a turning point. the music industry does not often accept unsolicited 12 . I still had some entertaining left in my system. I wanted more of a sure thing than acting. as with acting. a struggling actor. When he only ordered soup. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. Looking back.Lifemoney I remember meeting a good friend of mine. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. So I took a different route and it has paid off for me. for lunch one day. I sent out many demos to try and get people interested.” I bought his lunch that day. Today he’s a successful actor who can go anywhere and order anything he wants. As with my junior high acting days. But. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. For him. I knew myself and knew movie stardom wasn’t the right route at that time. I asked him if he was going to order anything else. It was a real education. But his limited income made it clear to me that this was something I did not want to do. That could have happened for me but I knew in my heart it wasn’t MY reality. From my break dancing and rapping days I had always kicked around the idea of being in the hip-hop industry as a rap artist. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. “It’s cheap and it fills me up. He answered. I spent the last years of high school and beginning years of college working toward that goal. But before I fully ventured into business. the sacrifice has paid off.

This was pre-Eminem and not too many white people even listened to rap. In 1991. I also tried to learn the business side of the industry. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. you need to work in it. In this world you have to take opportunity where it comes if it will help you achieve your goals. If the artist believes a later recording is similar to his or her music. Although no longer in existence they were one of the premiere labels at the time. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. Learning About Business In addition to finding some measure of success in the entertainment side of music. I knew 13 . Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. even when you’re going against the grain. In fact. let alone were successful at it. I recognized the value of this attribute and stored it away for later. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. This is exactly how you build Lifemoney. a lawsuit can result. even for free. I got a job as an intern (for no pay) working for PolyGram Records. Although I didn’t win the contest.7 Kiss FM in New York.My Lifemoney material. I entered the Pepsi Rap Up the Summer Contest. co-sponsored by 98. A key lesson I learned was that if you want to understand an industry. My goal was to get noticed and possibly get someone interested in working with me. I sent in my tape. I was chosen as a semi-finalist out of 500 entrants. I kept working toward my goal of becoming a rap artist and trying to learn the business. It was validation that hard work could pay off.

You might find it’s not what you expected it to be. Basement Records. I figured if I sent a package. If you want to learn a business. If you want to work in politics. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. no one was listening to my demos and I knew to get to the powers that be I would have to get through to someone. There are more important things than money in this world. if you want to someday own a bar you should work at a few for a while to learn the business. For example.and the men and women behind the talent the producers. BMG.” I once sent a sneaker in a box to a record label with the note. The following year I released “That’s Evil Man” on ZOO Entertainment. both the stars . learn it from the ground up. agents and managers. “I just want to get my foot in the door. For example my rap name was “Sneak. feel free to import ideas from wherever you can find them. and access is one of them.” along with my demo tape. But it’s all valuable. It’s important to understand what you are getting into before you are knee deep. Door after door was being closed to me. picked me up and got me signed to BMG for distribution. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . And always be resourceful. It paid off.the talent . my targets would be curious enough to open it rather than throwing it away. mixers. It worked. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. volunteer for a campaign or move to DC. It was one of my earliest stabs at being resourceful. a recording label. The access I got taught me lessons I could have never learned anywhere else.

” Next Plateau. While I enjoyed working in the music industry. I needed the sense of security that comes with a regular income and the knowledge that I would be able to pay the bills and live a comfortable lifestyle. I decided since making money was a priority that it would be easier to make money in another industry and that I could always return to the music world later. Getting Focused Looking back on it now I can see all the stair steps that were being put into place for my ascent to success in telecommunications and various other ventures. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. But like 15 . It was an exciting time. actualizing my goals and watching them come to life. It was pretty exciting to walk into a record store and see my CD for sale and have friends call telling me they were hearing it played on the radio. It is a difficult business to really make money. which I did. for more reasons than just getting airplay. Eventually it went to number 27. That’s a hard truth to see from the outside. It didn’t stop there. PolyGram Records. I was concerned that I might not make the money I was looking to make – and I thought I might be able to make it easier somewhere else. I was finally seeing a dream come true. You see – I already understood that making money was a priority for me – an important goal.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. full of rich stars and power players. but in reality there are very few people that make it big – and make the big money. Money provides those things. The music business seems glamorous. In 1994. But the truth is making money is hit or miss and is more often just smoke and mirrors. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences.

so I pursued this opportunity. and could not fully understand or relate to getting life insurance for protection for other family members. How did I do that? I started selling real estate at night. In addition. I decided to take my hustling a step further. I decided to 16 . Not to sound conceited. I also knew that I had fine-tuned all the systems there to do my job in half the time than I had been doing when I started working with the company. Also. I was interested in sales. The branch owner wanted to train me to sell life insurance. Unfortunately. After leaving college. I did not find that product to be a perfect fit for me or my personality.Lifemoney most young people I didn’t understand what was going on. I decided to make business decisions that would bring me closer to where I wanted to be. I could make even more money. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. I understood the insurance office management job completely. Imagine what a retiree would think about a guy that appeared to be 18 years old providing advice on retirement! Recognizing that only true passion creates true results. but it was apparent that I was a tremendous asset. I took over a job for a friend as an office manager for a life insurance company. I went so far as to get licensed to sell life insurance. For one thing. the branch focused on selling long-term care and retirement planning. Becoming successful. And guess what? I started making more money working part-time than at my day job. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. I did not have a wife or family. I figured if I spent more time on my part-time real estate job. I saw that real estate was more suited to my personal goals at the time.

I made sure I did everything efficiently and wasted no time at all. You never know if someone will say yes or no to a question until you ask the question. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life. the one you’re probably most interested in. You never know what people are willing to do – or what you can accomplish – until you try. and I went from initially working five days a week to just one day per week. I didn’t know it at the time but I was to go through many more experiences that taught me how to build and run successful businesses and be happy at the same time. Best of all. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly. But my education was just beginning.” It was a risk to leave the security of a full-time job. my gamble worked! Eventually. I guess the company trusted me enough to give it a shot. When I went to my boss to resign.My Lifemoney leverage all that. and there was a lot more to learn. I was doing well enough and was confident enough in real estate to do it full-time and get rid of my “day job. making my own way and even started knowing myself and where my real talents and desires 17 . I also promised him that the quality of the work would not change. This would permit me to have two more days to sell real estate. at the same pay. For example. He reluctantly agreed on a test basis. I was putting those early Lifemoney skills into play and getting the same amount of work done in three days as I had done before in five. instead of just quitting I told him I could do the work in one day that I had been doing in three. I began to learn about the importance of defining success for myself.

like actual cash. I used them to create many business successes. Especially patience! It was a lot for a young person like me to absorb.07. sacrifice and patience. It was basically a mini-version of one of the larger telecom corporations. but the skills that were created in me were worth more than cash. I was already bringing in a six-figure salary and at the end of my third year there I earned $387. That is in fact how this book got its title: I literally realized that all the triumphs and setbacks were creating skills and qualities inside me that were worth something real. But I still had to learn about setting goals. Inc. I was not an overnight success story. and I didn’t hit it big with the lottery. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. they bought it from someone else and still sold it as theirs. At MCI. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. Global Business Solutions. Rather using the attributes I list for you in this book I became successful in project after project and business after business. resourcefulness and creativity. I became one of the top salespeople in the nation. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money. evaluating my progress.Lifemoney were. By my second year. I’d learned that when the big companies couldn’t supply a product. dealing with people – especially difficult people. I started building and using this knowledge in real estate but I really kicked it into gear when I decided to take a corporate sales job at MCI Telecommunications. 18 .086.

and to always be so reliable that I would always be the “go to” guy in the future. lower to the ground and closer to the customer’s ear. Inc. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. I understood that customers loved a one-stop shop. remain loyal and protect them as much as possible. One of these areas was in the pre-paid calling card business.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. it’s harder to tell which came first. the customers would want you to do everything for them. Heat Wave Tanning. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. allowing me to sell anything the big boys sold – and better – because I was smaller. When you’re always on the lookout for something new. If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. you or the opportunity. I let the customers guide my business. Sometimes you go searching for new opportunities and other times opportunities find you. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. I eventually contracted with many providers. 19 . I saw what the needs were and I fulfilled them. and seeing niches before everyone else.

I could manage most of it via remote control. and managing customer issues just didn’t do it for me. and might one day do again. and I decided that I didn’t want that kind of responsibility. Better yet the business seemed as if it could run itself. building the place from scratch. The tanning business was a big change for me. But I was discovering that retail businesses require a lot of time and attention. A telecom business like GBS was more “virtual” than brick and mortar.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. It was exciting. managing ten employees. Change is good. It turns out that people just were going in there to catch a tan. and Heat Wave Tanning was really a great business and a great opportunity in my life. made my money and then I sold it. Besides. maintaining equipment. This was a different venture from my previous forays in the world of small business. But I felt I was ready for that. I saw a line outside of the place and was wondering what they were giving away. That is true. It was like having a puppy at home: you never felt comfortable being far away for very long. So I kept the business for two years. The tanning business though was more hands-on. I decided to open my own tanning salon. I researched the business and found out that it was a very low maintenance business and pretty profitable. 20 . which was a huge plus for me. It is definitely a great business that I would highly recommend. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. and prepares us for the future. After more research (and imagining that operating that type of business would be fun). grows us. I told myself: it stretches us.

Inc. I will make independent artist’s music easily available to their fans. Inc. / MyMusicSite. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. In 2007. friends and family while providing a marketing platform for them to make their dreams come true. although I brag about being retired. But I can afford to do this because I love it. For Self Made Records. Self Made Records. set to launch in the fourth quarter. I am sometimes surprised by all that I have accomplished in such a short time. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. And I love it! Why? Because I’m sailing my own ship with no boss. It was a lot of work but it has been gratifying beyond words.com.com are both my hobby and business. but on my terms. no limits and 21 . I have been launching companies left and right. I am doing what I love. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. 2007. I am now in the process of coding and developing mymusicsite. Inc. in reality I’m busier than ever.com Sometimes success comes full circle. And what’s best is that I can afford to be patient.My Lifemoney Self Made Records. looking to blend business with pleasure. I signed some artists to my label and I am currently marketing and promoting them. Now I was a successful entrepreneur. Later I was a college graduate looking to intern for a major hip-hop record label. and My Music Site. That makes me happier than I can possibly describe to you. And that’s exactly what I did! Remember what I said about following your passions? When you finally make some money you can blend passion with profitability and not have to stress that much about bottom lines. with little to no risk and helping others all at the same time.

The business is called Meeting ExpressO (www. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating. I am also in development on another site called MyMusicSite.meetingexpresso.com) and is a retail conference location /coffee shop.com). These services will be available to groups as well as individuals that need a place to work between meetings or just to kill some time. and snack items.com (www. In addition. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. In addition to that business. Meeting ExpressO will provide full access to conference rooms which include internet. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. specialty beverages.mymusicsite. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee. I will 22 . I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”. break dancing on street corners and hustling for business opportunities. In addition to being its creator. and business services. phone.tellbrad. Lastly. friends and family.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. satellite television. We will make independent artist’s music easily available to their fans. I just launched TellBrad. This is a free website that gives the consumer a voice and enables them to be heard (rant/rave/leave video complaints) to both other consumers and the companies they speak of.com). I am also providing a marketing platform for these artists who want to make their dreams come true.com (www.

I’ll tell you how you can do it too! While my story is different from yours and from that of other people.My Lifemoney also receive co executive credit and be involved with development of the project. Keep score of your successes and failures. adapt the principles described in each of the upcoming lessons.)” -Brad Turk You can do it too! 23 . Too! I began this lesson by declaring “If I can do it…” without finishing the statement. Instead of sitting around thinking about what you want. And go for it! No excuses. sell it on the corner. when they mature. I have found the common denominator for success. invest your profits and. go by some oranges! (Orange juice outsells lemonade by 10 to 1. Now. Learn who you are and what you want. Stayed tuned and look for my name in the credits! …You Can Do It. Lifemoney Currency “When life hands you lemons… make lemonade. Work on the activities. I will show you how to understand and learn a unique set of attributes you need to become successful. That’s why I’ve written this book. Lifemoney provides you with the tools you’ll need to reach your own unique potential.

has never cracked the seven figure mark and. My first friend. Success is never a game of chance and begins with clearly deciding what you are going to make happen. two very different types of success stories.Lifemoney Lifemoney Lesson # 1: Defining Success “You have to arrive at your own definition of success if you ever hope to enjoy success on your own terms” -Brad Turk Overview It’s not possible to attain success without first defining it. John. pure and simple. Still. is in no danger of cracking it anytime soon. These are the stories of two friends of mine – John and Steve . some might consider him rich 24 .and though totally different from one another they illustrate what I mean by defining your own success. In this lesson I want to show you the importance of deciding for yourself what success means to you. as far as I know. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you.

John told me that he was really happy with his life. You can’t . From a professional perspective. He made enough money to live on his own if he wanted to. He did it his way.and shouldn’t .push your idea of success on anyone. He told me he was still living with his parents because he liked living with them. He told me that every night that he goes to bed. He is truly happy with how his life turned out.Defining Success beyond compare because he knows himself and. lives with his parents. I have to confess that I kind of agreed with them. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. he found his own success and it works for him. he also said he was happy with his job. who on the surface would probably look extremely successful to outsiders looking in. Most days he didn’t have to go into work early and he got to sleep late. just as important. He has a beautiful boat. John. What he revealed was so far from who I am as a person but showed me that there are a lot of different ways to define success – and the important Lifemoney key is to define it for yourself. knows what success means to him. He needs nothing else to fulfill his dreams. several sports cars and a very 25 . Then one day we were talking and John really opened my mind to something. I have another friend. he just took it as a joke. It didn’t bother him what everyone was saying about him. Steve. he helped them out a lot and felt that his support was needed around the house. has no ambition and is going nowhere. All of my other friends make fun of him. John’s parents also enjoyed him being there. While talking about the future. who is over 30 years old. he is successful. They think that he is not responsible. he has a big smile on his face. To me.

Once you define what you want and know what will make you happy. He also has to work harder than anyone I know. Being that I know this friend well. just so he can try to keep up with payments so that he does not default on anything. not from without. He is always stressed and always in fear of losing something. He is always making maneuvers to try and maintain his possessions. Steve thrives on the adrenaline of living on the edge. I remember one weekend he invited me to go to the track with him to “play” with his cars. Most everything is owned by the bank and it seems every time I talk to him. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. Does this sound like success to you? It might. he canceled the invite because he was actually selling one of the cars. These men are both successes. Before the weekend came. he is in a world of hurt. The truth is that Steve lives way beyond his means. Have you decided what your mark is? 26 . I also know more details about his life than someone seeing him jet by on the track or some of his “not as close friends” spending a weekend with him on his boat. My definition of success comes from within. The weekend that he canceled our trip to the track was because he had to sell one of his cars to make his mortgage payment. This is success for him.Lifemoney nice house. Why? Because they both hit their mark. He is actually so far in debt that he does not really own anything he has. you have completed Lifemoney Lesson # 1. Some people thrive in that kind of stressful environment.

There’s simply no future in succeeding for anyone other than you. They subscribe to magazines they never read. For the most part. we all want more out of life. With the exception of my friend John who I just mentioned. Like fingerprints. Success means different things to different people. Success takes personal planning and some work. Although some people get lucky in attaining success. In order to chase success on your terms you need to define what success means to you and be clear about what will make you happy. you own it. It becomes yours. strategy or plan they stick to in order to reach their ultimate goals. our definition of success will be individual and unique. What works for some doesn’t work for others and what works for me might not work for you. most people are still on their quest for success. If we don’t define success for ourselves. No matter your net worth or social standing we want to do more. get more and be more. When you define success for yourself. They buy gym memberships and never use it. you’ve taken the first step to taking your life back. fad to fad not really knowing what they want and drifting with the flow.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. They start up home improvement projects and don’t finish. When you define success and what it really means to YOU. most successful people (whether consciously or not) have a system. trend to trend. But becoming – and staying – successful can be tricky. They go from idea to idea. We have no control over our path and our lives can become haphazard. we are on a journey without a map. I think this is important because I see so many people who spend their lives wandering. Why do they do this? They bounce around because they’re not prepared to 27 .

you will be fully able to reap all the benefits that await you. “The first principle of success is desire – knowing what you want. They live undefined lives. What is it you really want? What.” . and those are the only things I really care about it. As Robert Collier. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. See beyond money and its trappings. You should live your own life and live up to your own expectations. for you.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now.Lifemoney take full action. You’ll be able to move in the right direction quickly and simply because you know where you are headed before you approach the starting line. Desire is the planting of your seed. By starting your journey with a firm grasp of your meaning for success. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. author of Riches Within Your Reach: The Law of the Higher Potential once wrote. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily. look past that next job promotion or future company you plan to build.” Plant your own personal seed for success and watch it grow.

He is doing what makes him happy. yacht or even a boat. He has lived in the same house that he purchased for $31. With all of Buffet’s billions he has always led a simple life. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. She sacrificed many nights of going out with her friends and having fun in order to spend more time studying.Defining Success “All I want is to have people around who love me. He does not really have any extravagant items like a fancy race car. This is a man who could do anything and have anything and is content to sit home and watch a ball game. billionaire Warren Buffet.500 over 48 years ago. a 22-year-old student who has just received her acceptance letter into the medical school of her choice. for example.” It works for the second richest man in the world. Would I live the way Warren lives if I had his billions? No chance! Should he step up his lifestyle and start spending his billions mainly on himself? Absolutely not! He is enjoying his billions and more importantly his life. She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams. What would make you happy? We all define success differently. She has spent her whole life making sure her grades were in order to some day get into a good medical school. She’s successful! 29 . Let’s take. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). but successful people have taken the time to really think about their definition of success.

father. Then there is the couple that. Living off just the husband’s income has not been easy. I call that success on their terms. they have not missed out on anything they’ve wanted. and employee – or future CEO – because of this personal accomplishment. The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need.Lifemoney A 39-year-old business executive runs his first marathon. Although he and his wife share a modest home. He’s been a total success. That man is a happier husband. Months of preparation and training pay off for this guy’s single-minded determination. Each of these people has achieved success. they have been able to stash enough away to enjoy an early retirement and see the world. And so now I’ll ask you: Are you ready and willing to take a little bit of time and plan to live your life on your terms? 30 . along with nutritional meals and emotional support. upon marrying. While avoiding expenses like costly entertainment or expensive vacations. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. have resulted in two stable children with above-average grades and well-adjusted social skills. agreed the wife should give up her job when the children came along to provide a stable home life for all. While his finishing time does not win any medals. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. Sounds like success to me. his self-esteem and confidence increase beyond measure.

Jeff Mallett 31 . it is possible to be a successful lawyer without feeling like a successful person. in Lifemoney Lesson #2. what they all really want is personal happiness. I believe the common denominator in true success is happiness.” . That’s why. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. you’ll be finding out why it is so important to Know Yourself. you can begin to set goals on the road to success. It is how you view your situation that makes all the difference. Lifemoney Currency “Do what you love. It really isn’t what you have or who you are that makes you happy or unhappy. As you see in this example. leave the world a better place.Defining Success WHOSE Dream Is It. Over time. but you don’t really want to. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. love what you do. While it’s a good idea to talk to your family and others who may be impacted (say. you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. So once you have an understanding of what will truly make you happy. Even though everyone usually has a different idea of what success means to them. So let’s figure out how you define success. if you’re planning on using the family garage to mass-produce your new video game or DVD) the success of your vision ultimately depends on one person and one person only – YOU. you might become bitter or resentful. If your parents are pushing you to become a lawyer. That’s why it is important to understand your priorities clearly.

read over your ideas. open a document on your computer. and edit if necessary to make them readable and clear.bradturk. Explain. 32 . etc. You can use a three-ring binder. What themes emerge from the answers to the different questions? Did security come up over and over again or did freedom? Did a need to be your own boss emerge or would you like a little less responsibility in life and not have to be the boss? This activity will help you get a better idea of what you want from life and what you expect of yourself.com. time. asking yourself questions like these. Once you have this in place. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. skills. the hallmarks of success—money.Lifemoney Goal Achievement Exercise A You will need to create a place to take notes and do the A-Z achievement exercises while you are going through this book. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. Then start writing about your views on success. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. so make it handy and easy to access. set a timer for five minutes. or download a copy of the Workbook with all the exercises from my website – www. I am going to ask you to open this document on a regular basis throughout this book. in your opinion. but more importantly.

“If I only had money. Her total take was $5. at gambling venues. If you were handed everything you wanted without working for it. too. Ask the following people. after declaring bankruptcy. I’d be so happy” or “Everything in my life could be fixed with some cash.” Her hand was out. Completing this exercise brings up a point I think worth exploring. Welcome aboard a new life. they’ll tell you: • Evelyn Adams. Everybody had their hand out. We all do. you might find you are still unhappy. won the New Jersey lottery twice. Money in itself does not equal success. I know many people with little or no money. Says the man who.” These beliefs about money are all wrong. now lives on Social Security and food stamps: “I wish it never happened. It was totally a nightmare. What does she have to show for it now? Zippo. Having come from a “no money” background.4 million.2 million in the Pennsylvania lottery. “Everybody wanted my money. something of a statistical freak. • In 1988. in 1985 and 1986. Not Cash) Congratulations! You’ve taken a huge step.” 33 . But you just did. William “Bud” Post won $16.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. She lives in a trailer and recounts that. Most people just never make the move to define what they want and where they’re going. It’s amazing how some people perceive money as the answer to all their problems.

Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future. That is true success – at least by my definition. it’s that amazing feeling you get after finishing a job well done. they’re about satisfaction.the fruits of someone else’s labors . she had filed for bankruptcy and had just $700 in the bank. I know you’re probably saying “Yeaaa. She shared her wealth with many charitable organizations. that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily. There is no amount of money in the world that can recreate that feeling of accomplishment.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993. It seems to be a rule of life that if you have good things handed to you . and the ultimate triumph of accomplishing a mission. To enjoy success you need to earn it.you miss the excitement. Goals are not just about achievement. but before a decade had passed. and without effort are not actually participating in the creation of their own personal happiness. the challenge. Here are several keys to keep in mind: 34 . That’s why Lifemoney is an internal feeling. Understand that a lot of the enjoyment of meeting your goals is in the feeling of accomplishment and satisfaction that comes with hard work and success. And satisfaction is more than being content. You Are in Control Success belongs to those who are clear about what it means to them. And accomplishing your dreams – your success on your own is very important. not a financial figure.

it’s also worth doing despite the odds of failure and cost of success. but don’t forget to enjoy the sites along the way. even if the voyage looks choppy. Stop looking outside yourself or to others to explain your failures. it resides in you. Others have influence over you and affect you. Don’t put your trust in success just showing up. waiting for you to come and claim them.Defining Success 1. You’ve already taken the first step. and another. or it could take decades. When you lay blame or make excuses. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. 35 . Anything worth doing is worth doing well. you willingly give your power away. Most likely it will be bumpy. until the value of moving is higher than the cost of those inevitable obstacles. together – because you made a conscious choice to pick up a book called Lifemoney. and that might not have been easy. But why wait for the miniscule chance that this could happen to you when you have the power to wake up your dreams and put them to work for you – RIGHT NOW! 2. but your dreams are out there. but they do not own your ideas or lay claim to your dreams. Now all you have to do is take another step. 3. sure. that would be incredible. The power to change is your own. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. Success is not a game of chance. It may take months. You are here – we are here. Publisher’s Clearing House might stop by your house with that big check and. Chart a course for paradise. And remember that it’s important to enjoy this journey so keep an eye on the finish line.

Let’s go there right now. It will become clearer the more you focus and keep your mind open. Whoever you’re trying to keep up with – the Joneses. you’ll always regret not doing it for yourself. on YOUR terms for YOU to be truly happy.” -Steve Jobs 36 . That’s totally normal. your old friends from school. your neighbors – forget it. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. All right. Lifemoney Lesson #2. Don’t feel bad at all if you’re still a little unclear about what success should mean for you. Success must happen YOUR way. trust me. If you do it out of ego or pride or greed.Lifemoney Why be satisfied with a simple living when you can build a great life? Defining Success Summary Of all the Lifemoney Lessons I’ve lived – and learned – this was the first: you have to arrive at your own definition of success if you ever hope to enjoy success on your own terms. success must mean something to you if you are ever to truly achieve it. If you do it for the money. something WILL be missing. there will always be a nagging feeling that something is missing. Lifemoney Currency “Your time is limited. If you let others define success for you. so don’t waste it living someone else’s life.

I am seeking my own personal growth and happiness. and then tally your score. The expectations that matter most are mine. _____ 5. I will decide for myself what occupation excites me. My life is mine and I’m excited to develop it on my terms. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I will look beyond money to find happiness. I will define success for myself. I hope they enjoy it because you probably won’t. _____ 10. I spend time learning what it will take to be successful in what I love. _____ 3. _____ 7. Lifemoney Currency “If you live for someone else.” -Brad Turk 37 . I am winning life’s lottery. I am in control. _____ 8. _____ 9. I will always seek to lead my own life.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. _____ 4. _____ 6. _____ 2.

In Lifemoney Lesson # 2. 38 . It’s a journey that may veer off in a thousand different directions before finally coming to fruition.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success. you will build on the first lesson of this book.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. but it always starts with YOU.” by exploring who you were to determine who you are and clarify who you want to become. “Defining Success. I can never be good enough…It just comes with the territory of knowing yourself and making the most of what God has given you. In my mind. I expect to make great plays. great moves.

not a popularity contest. father. lawyer. unsure or even unwilling to concentrate on what we might be great at? Often the difference between being good and being great is making adjustments that allow you to spend more of your time developing your greatest strengths. unemployed worker. a company executive. son. He stuck with the decision. But life success is a self-test. But all of these titles – husband. banker – merely describe you. Who are you? Who are you? That probably depends on who you ask. Maybe you’re carrying around a little extra baggage as a high school dropout. a son or daughter. a student. because he knew he had the ability to be a GREAT batter. or a musical genius. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. right? You might be a wife or husband. 39 . Just think how sports history might have been rewritten if the he had stuck to what he did well instead of focusing on where he could really excel. one of baseball’s legendary home run hitters. but not without a period of introspection first. This is valuable advice for many of us. they don’t define you. someone’s parent. He took a lot of heat for his decision because he was a GOOD pitcher. At the end of the day we must look in the mirror and face up to who we really are if we ever hope to become the person we know we can be – the person we want to be. a basketball pro. a computer whiz. How many of us hover around the comfort zone of what we’re good at. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. or two-time divorcee.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. you need to know who you are. Before you know where you’re going.

you can still find the path to your personal success if you’re willing to look for it. day to day. whatever you’ve done. but ready to gear up for the adventure that lies ahead. Or maybe you were hoping to get married. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. and live happily ever after. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. Then. looking back. knew you were capable of attaining.Lifemoney It seems like such a simple question: Who are you? But try to answer it and you’ll find the answer is not so easy. When was the last time you asked yourself this question? What was your answer back then? Has it changed? Many of us live such fast-paced lives that we seldom take time to reflect on the distance we’ve traveled from the starting point many years ago. instead of building the future you always wanted and. wherever you’ve been. more importantly. you got sidetracked into making a living and getting by. you find that those dreams never materialized. have kids. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. and hopefully a little wiser. the goals appear too distant to reach anymore. and maybe not even worth the effort after all. Maybe he or she is a little older. start here. when you take a moment to catch your breath and see where you are. Instead. Life has a way of sidetracking us from our goals to deal with day to day living. 40 . But now. let me help you rediscover that person again. If you are just starting off on your voyage to success and don’t know where to begin. Whoever you are.

” -Brendan Fraser 41 . Lifemoney Currency “I’m starting to judge success by the time I have for myself. the time I spend with family and friends. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. normally peaceful man now felt like hunting the driver down and ripping his head off! Then it hit him: keeping up with the Joneses was killing him. successful. My priorities aren’t amending. and over the next year phased out four of his five clinics. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. Twelve months later he was happier than ever. Why? Because he was finally keeping up with himself. or someone else was going to wind up dead!) He drove straight to his accountant’s office. He was a very successful physician with five private sports clinics.Knowing Yourself Don’t Be a Stranger (To Yourself) The “know who you are” focus of this lesson might seem like a speed bump on your journey to success. restructured his organization. they’re shifting. In his case. It is not. This nice. how can you ever hope to achieve. less really was more. not the Joneses. (Either that. but he was slowly driving himself insane. literally. His patients and his workers loved him and he was loaded. What is success if you don’t know who you are inside. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. If you don’t know what will make you happy. or maybe just busy work.

Even if you didn’t consciously use these qualities back then.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A.” In order to achieve this accomplishment you: • • • • Made a thorough search of opportunities Researched the companies I wanted to work with Matched my skills to company needs Prepared for the interview 42 . recognition. • • • • • “I earned a college degree. “I made a wise career move by getting a better job. reflect on the things that worked in your favor. In looking back on your past. define a recent accomplishment by personal attributes: 1. Make a list of your top four or five achievements. list your personality or character strengths. these might include honors. certificates. Under each. or personal achievements. now you can see how you managed to win that particular prize. and/or specific steps you took while completing these accomplishments.” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. For example.

Knowing Yourself 3.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. As you think about the things you’ve done that you have enjoyed and made you feel good. You may even recognize the type of goals that attract you. Look for patterns forming. Some people excel at social endeavors like arranging parties or special events. 43 . some may be more physically oriented. you will get a better idea of who you really are down deep. You’ll begin to see how that person might emerge in the next stage of life. while others could relate more to mental functions. like sports competitions. and so on. you: • • • • • Dated selectively Looked in the right places Studied my partner’s character before getting serious Worked on my weaknesses Got pre-marital counseling “I found an amazing partner and have a stable marriage. Let’s say for instance that when comparing the events above words like “organization.” and “selective” came up in one form or another with each of the three achievements. like academic work. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future.” “thorough. What might that say about you? Using this exercise to get a sense of your approach to important life goals will help you understand where your strengths lie and what makes you happy.

You’ve just done an assessment of the qualities you see in yourself and that you find positive. which shows up in words like “endurance” and “commitment” and “perseverance. And maybe your list reveals a part of you that loves physical activities and accomplishments. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. Or you may be the employee that handles confidential matters at your company because the boss trusts you most. passion and effort. If you do. Write down the characteristics that you’ve often heard people mention to or about you. enthusiasm.Lifemoney The world is full of born-again success stories. I would like you to make a list of the qualities others have noticed in you. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors. You could be someone who inspires others when they go through hard times. but in the renewal of spirit. Your list could look something like this: 44 . you are on your way to getting there.” Maybe you’ll get back that desire you once had to open a gym or start a summer camp or start taking at-risk youth groups on cross-country hikes. Maybe your mom has always said you are hard working. That means laying the mental framework now for the physical action you will be taking later. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages. not in a religious way. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. Aiming your thinking correctly requires more Workbook exercises at the start. So take this time to remember or remind yourself of what you want out of life.

Things that are fun for us are those that match with the ability to use these character traits. Lifemoney Currency “You gotta have fun. It’s our job. Now you have an even better idea of how to play to your strengths as you set up goals for the future. Regardless of how you look at it. Since most of us do a better job with activities we enjoy. It’s business. you’ll probably find that you are drawn to things you think are fun. we’re playing a game. This makes it that much easier to achieve your goals. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. but I don’t think you can do well unless you’re having fun. You need to keep this in mind as you plan your goals and how you will reach them.” -Derek Jeter 45 .Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first.

working around it or improving it. right? I do. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . Everyone has flaws! But successful people understand the value of admitting to a weakness. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. As soon as you say. You do. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good. and then do a half-hearted job when you get around to them.Lifemoney What Are Your Limitations? Let’s be honest.” you’re finished. I have a saying: denial does not change reality. But if you don’t admit to those limitations. As long as you keep fooling yourself. and moving on. I didn’t know what I was supposed to do. You put things off. My mom’s cat died and I had to bury it. you will never be able to deal with the issues that are holding you back from success. “I don’t have any major flaws. It’s part of being human. Everyone has weaknesses. Maybe you have a lazy streak (sometimes I do). The machinery isn’t working right. I got the materials (or information) late. But all the while. you can get into some real trouble.

you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. Now write down a few of your weak areas. like shyness or arrogance. even deciding how to invest the extra money you’ll be making. Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait. These could include personality drawbacks. what good is all that positive self-talk? 47 . But if you’re late to the interview. You also can add things about your character that could benefit from improvement. write a brief description of an incident where this particular quality had a negative impact: • • • Overbearing—offended a good friend of mine Sloppy—embarrassed my girlfriend at her company picnic Late—arrived late for an interview and didn’t get the job As you begin to link certain behaviors to unwanted outcomes. you can have the best intentions in the world when interviewing for a new job. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. For instance. like being able to say “no” when you don’t want to do something. or not taking shortcuts on a project.

and their efforts paid off. Derek Jeter. they: 1. Of course. Always assume personal accountability. that’s just me being me. they blame themselves In other words. for their weaknesses. Knowledge. the bucks start passing you by Get Rid of It! If procrastination and chronic lateness are a symptom that both you and others recognize in yourself. is useless if you don’t act upon it. for their actions. Take stock of their weaknesses and work hard to improve them 2. they blame themselves 4.Lifemoney Successful people don’t write off damaging personal traits as “oh well. especially self knowledge. Don’t blame the product for being inferior. Bill Gates. Don’t blame the economy for low profits. it’s easy to throw in yet another excuse about finding the time to make these changes. and Russell Simmons didn’t earn their millions by making excuses. There are so many things you can do.” Instead. they blame themselves 5. so take action. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. for their failures. for their triumphs. You may want to start working on these weaknesses one at a time until you start seeing better results. for their inactions. the minute you start passing the buck. get rid of it. They did what it took to climb the mountain of their success. And action means work. But remember that people like Donald Trump. Eat breakfast on the way and tie your tie in the parking lot. Don’t blame the weather for being late. for their strengths 3. don’t write it off as a cute character flaw. 48 .

then do the work it takes to eliminate weaknesses and build on your strengths. Whatever your interests and skills. one of the most successful photo search engines on the web. Maybe you’ve already tried success “your way. if you like words and books choose a different road to your success such as writing or communications. So rather than dubbing the whole project a failure. On the other hand. They treat everything they try as an experiment. Does it mean you’re a failure for life? Of course not! It just means that you can learn from past mistakes to create a successful future. the lessons learned provided the originators with priceless information which allowed them to create Like. Another example was a short lived photo search engine called Riya. Using mistakes as useful information is the way many large companies are innovating. they viewed the results as useful information. What matters is that you freely explore any path you wish until you find the one you are destined to travel.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. If you’re good with numbers. For example. But within weeks they discovered that their great inventions were totally useless. then choose something that includes some type of numbers work like accounting or investments. Many people have failed at that. 49 .” but it didn’t work. Or it didn’t last. Or then again you might end up on the exact same path your grandfather took a century ago. Then be fearless about taking it. Maybe you’ll take a route that no one in your family or neighborhood has tried before. you can find a path—or blaze a trail—that will lead to your personal happiness. Though it was a full blown failure. Google created an early version of Google toolbar with all kinds of great features.com. They decided to view “failures” as information sources for building new things.

. Twenty-six times. Disney founded a $20-billion media conglomerate that includes a TV network. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. Starting with a little mouse. “It all started with a mouse.” -Michael Jordan Buy Stock in Yourself Do you think successful people are born knowing themselves? Or maybe they had money to make money? Neither one is true. Disney was to fantasy what J. I’ve lost almost 300 games. and they don’t let lack of money or support stop them. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. I’ve failed over and over and over again in my life. Morgan was to finance. As Walt himself recalls. Walter Elias Disney. And that is why I succeed.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. an Internet operation. France.S. Theme parks with the Disney name are located in the U. Consider one the top 50 business influencers of the 20th century. I’ve been trusted to take the game’s winning shot and missed. It’s easy 50 . and a worldwide store chain. But they know enough about themselves to know what makes them passionate and hungry.P.” Just think of that for a second. a publishing house. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories. Many successes start right where you are: not knowing themselves very well and beyond broke. a film studio. and Japan.

landing your dream job. This is done for two reasons. Under each thought you write. One. But more importantly. who are you? What is your driving passion? What is the secret obsession that defines you? Whether it is a mouse or music style or menu item or men’s fashion. Now. such as getting in great physical shape. Goal Achievement Exercise E Take out your Workbook. never tell yourself that you can’t do something because it’s never been done before. Stay centered on who you are and the goals you want to achieve. Walt Disney held firm to what he knew. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about. but what if it’s never been done before? That’s the dilemma Walt faced. Two. never let the world tell you that you can’t do something just because it’s never been done before. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish.Knowing Yourself to imagine success when it’s already been done before. or building financial security. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. Through rejection and derision. The reason for this exercise is to begin the process matching your abilities to some of the things you want. it will help you understand if you are looking for success in the wrong places by objectively 51 . as well as any new talents you may choose to develop along the way. finding a life partner. list the qualities that you think you would need to achieve them. Remind yourself of the unique skills you bring to the process. So let me ask you again. failure and distraction along the way. He stuck to his singular vision of himself and is now revered as nothing short of a genius.

be careful what you wish for. What remains important is that you feel successful at every step of 52 . you must understand why you feel a million dollars will equate to happiness. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. Understand that fortune and fame doesn’t equate to success. wouldn’t you almost kill for a chance to be a big Hollywood success? And what are the chances that you’d walk away from your success at the very pinnacle? That’s what happened to former TV heartthrob and star of the hit TV series “90210” James Walters. Make Less . As an example. adoring women. Here was a guy who seemingly had it all – loads of money. if you want to make a million dollars. In other words. Why? Turns out he had Lifemoney Lesson # 2. Knowing Yourself. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. and comparing those qualities with what you deeply desire to develop within yourself. because when you get it. the Hollywood Dream – and he left it all behind to risk his life and fight fires. making a million dollars doesn’t necessarily mean you will be happy. For example. knowing yourself and being true to yourself makes you successful.Lifemoney highlighting what’s required for success. screaming fans. down cold. it might not be what you expected.Find More As you learned in Lifemoney Lesson #1. because he knew he couldn’t be happy doing anything else. Know yourself and double check your motivations for success. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you.

Knowing Yourself the process. They recognize that success is a journey. and enjoy.” you’re in the conditional happiness trap. Although success is a worthwhile goal. and that most of his day was spent with his wife and children. the executive was impressed with Fisherman Joe’s skill and 53 . the two men took the boat out on the seas. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water. he asked the locals if there was a fishing boat that went out daily. While waiting for the fish to bite. progress at any price should be more than most of us are willing to pay. or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership. The next day. detours. today. like “I’ll be happy when I make my first million. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii. See how that works? If you say “I’ll be happy when…. obstacles and roadside attractions along the way is taking away from true success. and that to skip the rest stops. Fisherman Joe told the executive that it would be a pleasure.. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide. While there. but that he only went out to fish a few hours each day. not a destination. The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege. So many of us set conditions for our happiness. where they are right now. The businessman had no problem going out for just a few hours while his own wife visited the spa. Ask yourself this: What happens until then? Truly successful people make peace with.

and remove himself from the enjoyable part of his business—fishing—he did it anyway. “I sell most of ‘em. teaching other guys how to fish?” He went on to explain that he would put all the capital up front to get the business going if Fisherman Joe would add his expertise. they finally went public. truly amazed. Joe shrugged. The two men moved the business headquarters to Los Angeles. He spoke to his partner. “How do you get so many in so short a time?” the businessman asked. Fisherman Joe went from working full-time on his boat to getting three boats. and did not really enjoy what he was doing. who had reached his goals. Just a couple of hours a day supplies all my needs. and then working a fleet. Soon business was booming.A. “After so many years. But Joe was now worn out. After a slight hesitation.” “What do you do with them all?” the business man asked.A. asking if he could cash out his shares and return to Hawaii. Joe decided he could not take this life anymore. “How would you like to go into business with me. Finally. After five grueling years. Joe agreed. The business life was not satisfying. I know their habits. Although Joe was reluctant to leave his comfortable home and family while working in L. “and take home what’s leftover for dinner. The prosperous businessman. as though he was unaware of the value of his skills.” The shrewd executive knew a good thing when he saw it. Joe knew that being in L.Lifemoney ability to find the best spots to reel in a terrific catch for the day.” Joe replied. would aid his partner’s goal of taking their company public. for the man seemed unusually humble. had no problem and 54 . Working day and night was more than he had expected.

the entire experience had been a detour from Joe’s own sense of success. and he ended up doing exactly the same thing. In the end. a popular magazine interviewed him. The interviewer was amazed by Joe’s journey and the story behind his success. He already knew what success looked like to him. his journey brought him right back to square one. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success. and then I am going to spend the rest of my time with my family. Both of them found success in completely opposite directions! 55 . “From fishing a few hours a day to a multi millionaire. It’s that you should know what you want out of life. “Yes.A. what are you going to do?” Joe replied that.” the interviewer commented. But Joe found it a waste of five good years of his life. Before Joe left. He started by taking a small fishing boat out for a few hours a day before returning to spend the rest of his time with his family. that’s quite a journey.Knowing Yourself wished Fisherman Joe well. “I’ll get a small fishing boat. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. it is. This journey was quite productive.” The moral of the story isn’t that we should not try hard or set high goals. Two very different men viewed the exact same experience in two very different ways. but he ventured away from it for more money. so I can fish a few hours a day..” Joe replied thoughtfully. and many might have found it fulfilling.

But he is the exception to the rule. go for it. These assessments are available all over the internet or by looking in the Yellow Pages. Assessment testing can also help find your natural strengths. and if you work in a field that doesn’t match your natural abilities. They can measure your characteristics and ability to acquire additional skills. just understand the obstacles that you are going to face. being true to yourself and finding your happiness makes you successful. take an aptitude test. If you don’t know where your talents lie or still don’t know what you feel you would be good at. Lifemoney Currency Understand that fortune and fame don’t equate to success. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. you may find your work unrewarding. and effort to reach something that is much harder to attain. who not only played professionally. Do you have that drive? If so.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. unchallenging and even difficult. A local community college may also offer these assessments free of charge. Aptitude tests can provide some insight into your talents and abilities. -Brad Turk 56 . The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. time. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. No one knows better than you where you feel confident versus where you feel unsure of yourself. Is that a realistic goal for you? It was for Spud Webb. Certain occupations will be a better fit for you than others. Sometimes it will take that much more work.

Knowing Yourself

Knowing Yourself Summary
We focused this lesson on discovering who you are and who you want to become. Answering these questions lays the groundwork for success. If the groundwork isn’t solid, the whole house will crumble. Remember that anything you set your mind to, you can achieve. The only limitations you have to achieving your goals are the ones you set for yourself. Use your understanding of your strengths and weaknesses to achieve your goals and you will achieve excellence. The best part is that when you know who you are, you’ll achieve it on your own terms.



Lifemoney Currency
“There is no discrimination against excellence.” -Oprah Winfrey

Millionaire’s Checklist:
Check all the items below that you agree with, and then tally your score, giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 2. _____ 3. _____ 4. _____ 5. _____ 6. _____ 7. _____ 8. _____ 9. _____ 10. I will discover what truly makes me happy. I have given serious thought to the roles I’ve played throughout life so far. I can remember specific goals for my life when I was young and idealistic. I have reclaimed those goals or revised them to fit my future plans. I have thought about the skills that others see in me. I have matched up my goals with my abilities. I have reflected on past achievements as a way of planning future success. I have identified specific weaknesses or flaws that need to be addressed. I am ready to take responsibility for my weaknesses and start changing. I will not let life’s distractions sidetrack me from reaching my goals.

Lifemoney Currency
“View mistakes as missed takes - take mistakes and learn their relevance.” -Brad Turk


Overcoming Obstacles

Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles

“You should set goals beyond your reach so you always have something to live for.” -Ted Turner Overview
Every journey needs a beginning. Planning, road maps, and packing are what prepare us for the trip that lies ahead. Although you are probably excited to hit the gas pedal and get rolling, overlooking these planning stages could set you on the wrong course. This Lifemoney Lesson prepares your navigation system of goals, action steps, and timelines and will give you the knowledge to handle the inevitable obstacles that will come your way.

A Quick Review
Let’s quickly review. In Lifemoney Lesson # 1: Defining Success you took the first step in your quest for success by understanding what success means to you and


Lifemoney forming an idea of the type of accomplishments that will make you happy. Lifemoney Lesson # 2: Know Yourself helped you learn more about your true wants and needs, and made you aware of what personality traits you will need to get you there. Now, in Lifemoney Lesson # 3, you’re ready for the next step on the path to selffulfillment: Goal-setting. This lesson will guide you through the process of creating some goals, developing an action plan behind your goals and deciding what you need to do in order to achieve your dreams in a timely manner. Let me start with a great story that illustrates two people with goals. One person has a goal with a plan and the other person is totally unscripted.

Step Up
Six-time Grammy award winning rap star Kanye West knows a little about setting goals and overcoming challenges. Kanye wanted to be a successful rapper, but was known in the industry as a producer. His label, Roc-A-Fella Records was initially reluctant to support West as a rapper, because they saw him as a producer first and foremost. Nobody thought he had much star power. Companies felt he was not as marketable as rappers that portray the ‘street image’ that is prominent in hip-hop. But even with the Roc-A-Fella record deal Kanye West was not going to wait for anyone to take notice of his rhyming talents. If Kanye had not believed in himself, stepped up and remained persistent in reaching his goal – his definition of success - he might just be another producer on the Roca-A-Fella roster. But Kanye West had a goal, and it wasn’t to be a producer. So on his own initiative he planned, paid for, and filmed his first video for “Through the Wire,” which catapulted him into superstardom. It appeared that if Kanye had not done this on his own


Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal.to side track their journey. make a list of your top 3 goals that. Start by Writing a Goal Goals form the cornerstone of any new beginning and are the first of several steps you’ll need to get where you’re going.or the opinions of others . Goal Achievement Exercise F Take out your Workbook. when accomplished. obstacles became simply inconveniences to be overcome. Every successful person I know has clear goals they’re reaching for. He was/is an up and coming “superstar” in the music business who missed a huge meeting I’d arranged because he could not get himself into Manhattan from Queens (a quick 20 minute trip). Now let me tell you about another hip-hop artist you’ll probably never hear about. Kanye West vs.Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. Mr. And they don’t allow $2 tokens . Once they decide on that goal. That’s because he had more daydreams than plans. For two full days this artist could not come up with the resources for even a $2 token to get there. It is the first step of turning the thought of doing something into the reality of achieving something. would make you a happier person. Nobody. It’s time to write some goals right now. For instance: • Goal: Starting up a home-based travel agency 61 . His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. For this exercise.

Relax.Lifemoney o Objective: Get travel agent license o Objective: Build out basement to accommodate office o Objective: Save up enough money for expenses and a salary cushion • Goal: Opening your own bakery o Objective: Find 2 bakers o Objective: Find a location o Objective: Do a business plan • Goal: Starting a vintage car website o Objective: Find a website developer o Objective: Research cars that could be placed on website o Objective: Legally incorporate your company At this point it’s common for people to feel a little insecure or anxious about finally seeing their life goals and objectives written out. The problem with dreams is that we’ve dreamt them for so long. Now is your time. Those people are not smarter. they simply learned these lessons a little sooner and applied them a little earlier. Just watch television. or better than you. stronger. get started! 62 . it’s often hard to see them as real. Dreams are real and they do come true if you follow this path. or read a book and you’ll see hundreds . They happen every day. that’s natural. listen to the radio.even thousands of people who have applied action and planning to make their dreams real.

Prepare for exam iv.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. Schedule exam • Build out basement to accommodate office i. Clear space for new furniture 63 . It could look something like this: Goal: Open a home based travel agency: Top three objectives and possible action steps: • Get travel agent license i. What bridges that gap? Action steps. Start looking into office furniture and equipment iii. Understand the testing process (where given. timeframes. Let’s set up an action plan for your goals right now. An action plan is just a series of steps you plan out ahead of time to take systematic action. It’s what lies in the gap between setting goals and achieving goals that separate Kanye West and the no-name rapper I talked about earlier. Order a separate phone line from the telephone company iv. etc. break the list down into three or four action steps you would need to take in order to reach that objective. We all know that goals just don’t happen. Research classes that offer test preparation for agent exam ii. Below each.) iii. Find out construction costs for renovation ii. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. Goal Achievement Exercise G Take out your Workbook.

but without a schedule to start with you’ll never know if you’re slipping. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. Let’s say you want to own your house debt free within ten years. deadlines slip sometimes and you have to readjust your schedule. When you sit down to make your plan and you see that both of your children will enter college within the next ten years and your spouse is going to need significant surgery in the next year you may 64 . but they also add urgency to their goals by making themselves accountable to deadlines.Lifemoney • Raise and save enough money for expenses and salary cushion i. Now you’ve written goals and some action steps that lead to the goals. So not only do they spend a lot of time managing their time. Figure out a budget of what the business will cost ii. Figure out what amounts of money will be needed to live off of while building the business iii. objectives and action steps. Successful people know that there are few assets as valuable as time. Start putting away money weekly toward travel agency iv. Sure. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable.

and then they set times and dates when things will be completed. give yourself a year. jot down a date for reaching them. With a large goal like opening a new business. For instance if you want to start your own bakery. be VERY realistic about your timeline. but the timeline isn’t given the circumstances. but for the most part.Overcoming Obstacles realize that this goal does not have a reasonable timeline. Schedule changes or circumstances may require adjusting a date now and then. Go back to the list of goals. As a result. Let’s actually do it now. they identify action steps. Goal Achievement Exercise H Take out your Workbook. rushing into it is more dangerous than not starting it at all. Unfortunately. not written in stone. and action steps. The goal is still reasonable. Successful people set goals and objectives. This is an easy step to take. Timelines do not mean deadlines. but it’s also easy not to take. many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. you should set reasonable deadlines and do everything you can to meet them. many people leave this step out and things just never get done. give yourself six months. You’ll need to adjust. objectives and action steps. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. Beside each of the objectives and action steps. they are guides. 65 . objectives. If you need a year. and that gets your heart rate back within normal ranges and allows you to actually sleep at night. You must schedule your goals.

He probably had the one of the worst memories I have ever seen. I stopped and paused. “I’m waiting for you to write that last item down. I actually had a business partner who is one of the smartest. His solution was to write everything down. Written words are also great for organization and focus. Never underestimate the influence of actually seeing your goals written out and in front of you every day. Like most successful people.Lifemoney If you keep on falling behind and have to reset your dates. most talented and gifted people I know. you might have to adjust your action steps or your due-dates to make them more reasonable. About 30 seconds of silence went by and he asked me why I became quiet. I told him. I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. I learned early on a major flaw that he had that amazed me. The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline. he knew how to compensate for his flaw and it practically never affected his work or his success. Anything of importance that needed to be followed up on was immediately put in his Palm Pilot (that was/is his tracking and “things to do” vehicle). Write It Down Words are priceless.” 66 . After he said he was going to take care of one of the items that I did not want to do.

Set aside some time each morning to review your list and begin working on the listed tasks. Depending on how organized you are. You should get the boring. tasks first. realistic. Do the important. over time.” -Les Brown Goal Achievement Exercise I Make a daily written. even if unpleasant. annoying. Here are a few tips for using your daily “To Do” list: 1. Every day you should be aware of all your goals and the steps needed to attain them. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. For goal setting you will need to prioritize tasks. committed. you may need to break down the week by hours to make sure you are managing your time properly at first. and plan specific. and anxiety producing things out of the way when you have more time. and visualized steps. moving you closer to achieving your goal. reserve a block of time to do what needs to get done. You may not get everything you had planned done in a given day. set deadlines. 67 . you may be able to do more things in a day. measurable. “To do” list which you will reference daily. Keep it in the notebook you have been using or in a calendar program that you can keep handy. but you will make progress and.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them.

I want to start playing more basketball. but it is not really a priority that I want highlighted on my daily to do list. I know I could come up with a more efficient method. you plan to fail. do what works for you. even I know it is kind of strange – but it works for me. I don’t recommend this method. 3. but it is visible and reminds me daily to get out and play. 4. use them! Lifemoney Currency It’s true – if you fail to plan. For example. Obviously. I will do things like leaving a basketball by my front door. We need to take luck out of the equation. Although I suggest technology. With computer programs and organizers you can adjust lists quickly and neatly. Carry a pocket-sized list with you at all times. It’s just something I want to get around to doing more often. I do this. but it works. It is not in the way. -Brad Turk 68 . For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. Learn how to use technology. and I am happy with it. Computer programs and electronic organizers can save you a lot of time over manual lists. So if you need post its. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up. I have a main list at home and a daily list that I take with me.Lifemoney 2. your PDA or phone alarm as a reminder.

with fewer expenses. not price. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. Successful people use their Lifemoney skills to look at obstacles as opportunities. I found that MCI was one of the highest-priced long distance service providers on the market at that time. taking market share away from MCI and AT&T. because it mostly affected the smaller customers. Most of their larger customers simply wouldn’t take a chance with a smaller. not stumbling blocks in their path.” Unfortunately. it is extremely difficult to sell value at two times the cost for the same product. There were a lot of smaller companies. My problem was that I was the one handling those smaller customers.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. 69 . and you must be mentally prepared to deal with them. newer provider. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face. They step up and success is their reward. now is the time to knock them down forever. The MCI philosophy was “we’re selling on value. Whatever obstacles have been preventing you from starting your journey. These companies were offering rates that were about half the price of what we sold. Adversity and obstacles will come up along the way whenever you start setting goals. Mental and physical preparation is essential to finishing any journey. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. But MCI was not concerned with this.

Lifemoney Currency “If you don’t like what’s on TV. list possible or proven obstacles or fears that may be keeping you from reaching your goal. Be honest and write every obstacle and fear you can think of. That meant that for every 100 reps starting at MCI. Then come up with the solution/objective and an action plan. Luckily. Below that. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. Describe one of your main goals in a sentence or two. I started looking for other products to sell even though long distance was supposed to be our main focus. Trying to make your goal appear easier to reach by writing fewer obstacles 70 .Lifemoney I quickly scrambled to find a solution. let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. This was the beginning of a booming market. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. The turnover rate for my position that year was 95%. 95 left or got fired. With firm goals and objectives in mind from Exercise F. I was fortunate enough to look where others were not and I weathered the storm by linking to a product that was starting to turn hot: prepaid phone cards.

Each part of this process should be specific. so you will need to spend some time figuring out the possible or probable barriers to your goals. and manageable. clear. but they are action heroes. So how do they do it? They are not superhuman. So is flying an airplane impossible? Of course not! People fly planes every day. The idea is not to overwhelm yourself or get stressed out with a long list but to break down your objectives into steps that conquer all possible obstacles. etc. • I can’t afford a plane. shapes. Here’s an example of what your obstacle list and action plan could look like: Goal: To pilot my own airplane Obstacles: • I don’t know how to fly. Objective: Find out about buying a used plane Action plan: Find out about bank loans. etc. These obstacles come in all sizes. save money for classes. they add action to their goals and steps and turn dreams into reality. so that you will 71 . etc. start a savings account with regular deposits. focused. Objective: Research planes and prices Action Plan: Go online and research planes. • I don’t have a plane. People just like you and I. and colors for different people. Objective: Take Flying Lessons Action Plan: Research Classes. It’s like your teachers used to say in school: “You’re only cheating yourself”. find an online interest group.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams.

All of these steps we have completed so far help you get focused. procrastination. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles. and manage your way to achieving your goals. stay clear. Lifemoney Currency “They say if everything’s going your way. your real goal at first may seem almost impossible to reach. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. Number 1: Procrastination 72 . They say if everything’s going your way. When we face challenges and overcome them. making excuses. allowing failure to be an option.Lifemoney end up where you want to be. As with this goal of flying. and 3. 2. That’s because life is supposed to be a challenge. we learn from our success and failures to meet the next obstacle with even greater results. the goal suddenly seems reachable. Let’s examine each of these and ways you can beat them every time. you’re probably going the wrong way. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1. or even when we face them with not-so-successful results.” -Brad Turk Three Huge Obstacles In my life as a successful businessman. you’re probably going the wrong way.

Remember how in school some kids put more effort into making excuses for not doing homework than in completing assignments (I know because I was one of them)? That’s what happens after graduation.” “My wife’s nagging won’t let me think. We say things like: “I’m too busy.” “I can’t find a minute to myself. It’s easy to put off making a plan for starting the journey to your goals. and some of us are experts at it. By procrastinating I mean putting off or delaying an action or task to a later time or date. or avoid taking action steps once the plan is made.” “I don’t know where to start. too. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments. procrastination is one of the worst enemies of success.” The list goes on and on.” “I’m over-committed already.” “I’m too tired. All the time that is wasted procrastinating is not putting us closer to reaching our goals. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4).” “The kids need me right now.” “My husband says it won’t work. 73 .” “I don’t have the help I need.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination.” “It costs too much. To me.

Instead of doing the dreaded cardio. You tell T 74 . Just do it! Example: When it’s time to go to the gym.Lifemoney Lifemoney Currency “The world is full of willing people. the rest willing to let them. We all know time-suckers. go. Example: If you’re not feeling well and you are supposed to do cardio and weight training. Maybe after that is done and your body is in motion. Don’t think to reschedule it for a better time. or things (Xbox/housework/chores).” -Robert Frost h i nk about that quote. places (the mall). just go and focus on doing the weight training. some willing to work. You’ll feel better after you do. Or don’t think about not feeling that well at the moment. Example: You are on the way to the gym and your buddy calls you to go out somewhere. • Avoid people or things that will take you away from what needs to be done. • Do a part of the task. Even pick one of your favorite exercises to start. Which one do you want to be? Isn’t it time you stop playing victim and start working on your plan for personal success? I have listed some effective ways to overcome procrastination (and an example for each using the goal of getting in shape): • Just start! Don’t let any thoughts enter your mind and don’t think about the task. you might be feeling up to doing the cardio. Just get up and go. be they people (your lazy cousin Eddie). do “a part” of the task. Maybe a part that interests you most. Don’t think about the whole thing.

Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. Example: If you need outside motivation. not the task. fold it up in their wallet. visualize the result you’re after. For instance. which explains why a significant number will fail or relapse when the going gets tough. If failure is always an option then success may never be within reach for you. get a friend involved or find someone at the gym who keeps the same workout schedule. While this may be extreme. You need to be firm and stick to your plans and continue on to go to the gym. don’t think of the exercises that you need to do. not the steps it takes to get there. Example: If you don’t feel motivated to go to the gym and you dread having to go. • Find a partner. Then work on the task and write down how you feel now that you’ve done some or all of it – enjoy that sense of accomplishment. All successful people meet their obstacles 75 . he’ll be waiting for you when you’re done. I’ve seen people literally write down “make a million dollars this year” on an index card. Yet most of us grab onto great ideas for self-improvement without much thought. • Focus on the results. If he’s a real friend. Many successful people consciously visualize a result before beginning a task.Overcoming Obstacles him you can’t but he is persistent. and spend every waking minute realizing their goal. Sometimes we just need a little outside perspective from a family member. think of how you are going to look at the beach. colleague or friend. You can hire a trainer. • Write down why you’re avoiding the task. find a workout partner.

Sylvester Stallone went through huge trials and tribulations as a writer. he found a movie studio willing to buy both his script and his portrayal of the main character. Even when some degree of success was in his reach – he was offered thousands of dollars to buy the script at a time when he and his wife really needed it – he saw a half-deal as a failed deal. How far are you willing to go for success? If you concede failure before you even begin. He persevered until. Stallone refused to fail.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. but lost out on several of them because he believed he was the only actor who could pull off the lead role to his demanding specifications. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. then ask yourself questions like these right now to avoid making failure an option: • • • • • • What type of lifestyle changes do you plan to make? Do you need to move to a new place? Should you change jobs? Do you need a different eating plan? Do you need to make time to get more exercise? Which skills will you need to develop to improve your capabilities? 76 . The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. at last. you may never know. Much like the boxer in his now famous movie. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed. star and creator to see his project come to life.

Emotionally speaking you may be thinking it’s too late for you to change. if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights. you may be tempted to light up with your buddies at the bowling alley. Being a doctor has been her desire since she was a child. Life circumstances and 77 .Overcoming Obstacles • • • • • Do you need technological expertise? Should you take a class? Should you attend a marriage seminar or see a marriage counselor? Should you seek help from a professional consultant? Who do you know that could be a possible business partner or help you connect with the right business partner? • Do you need to network with others in your field to enlarge your knowledge boundaries? • • • • Will your current job or career environment support these needed changes? Does your company recognize and reward growth? Can you make more money or advance more rapidly at another company? Does your company pay for tuition reimbursement? Answering these questions might require some habit changes. You might feel too old to reach your goals or that it is too late to realize your dreams. But it is never too late to achieve your desires. This becomes a lifestyle challenge that you must address. my sister enrolled in medical school. For example. At the age of forty.

Lifemoney Currency If failure is always an option for you then success may never be. they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do. the thing you were suppose to do did not get done. This is just not acceptable. when you make an excuse for not doing something. maybe even a small one.Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. Start with one goal at a time. But guess what? Excuses are worthless! There is never a need to make an excuse. working overtime to prove your usefulness. Your elaborate reasons will not impress anyone. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. Number 3: Making Excuses Excuses are very powerful. and approaching your supervisor at just the right time to maximize your chances for success. The bottom line is. like earning more money by asking for a promotion. -Brad Turk 78 . Excuses are probably one of the biggest obstacles that keep you from achieving your goals. Rather than making excuses. be definite and defined about the action you will take and when you will take it. Your action steps might include dressing the part of the higher position.

giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. objectives. timelines and an idea of some of the obstacles you’ll face. That means creating a written plan for reaching a specific goal. Let me repeat: NEVER FORGET to anticipate that obstacles will come up. We need to do everything in our power to make them happen. action steps. remember that when this process is complete you are ready to step on the gas and head on toward your destiny. Being prepared to face them is a huge factor in overcoming them when you meet them.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. We need to do everything in our power to make them happen. _____ 2. Lifemoney Currency: Good things don’t just happen by themselves. I am ready to create goals. The plan should list the goal. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. Whatever you do. I have a good idea of my action steps to reach each goal. and then tally your score. 79 .

I am looking to see how technology can make my life easier. Lifemoney Currency “Excuses will get you everywhere. _____ 9. _____ 7. I am ready to adopt the mindset of someone who will be successful. ______5. I have thought about some of the obstacles I may face.” -Brad Turk 80 . Just not where you want to go. _____ 8. I have created a timeline for my action steps that appears to be reasonable. I plan to tackle the more difficult things on my “To do” list first.Lifemoney ___ 3. I am ready to stay committed to my written plan and see it through with daily reminders. _____ 10. No excuses: I will not let myself off the hook. _____ 4. I have plans to fully and completely address all roadblocks to my success. _____ 6.

Yeah. discovering fire. priorities and commitment. Learn to use these five with skill and you’ll achieve whatever you can dream. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. well done.” 81 . time management. and laying the foundation for all mankind. you’re right. 'Good job." Overview Success requires the right tools.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned. awesome. inventing the wheel. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. like walking upright. My favorite is the one where a television anchorman says to the caveman. The five tools are focus. “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. good point. efficiency. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen.' it would have made me actually look and feel ridiculous.

There was a time when people had to be told how to use a telephone. Just look around you: for the most part we can run our whole lives by pushing buttons that activate machinery to do stuff for us. Though different tools may suit different people best.Lifemoney We’ve been innovating and making tools since we lived in caves. Whatever the task requires . People use tools to improve their lives.” -Tom Clancy 82 . successful people use many of the same mental tools – and use them well. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make. We create mental tools to help us achieve greatness as well. If you stop to think about it. Technology is just a tool. nearly everything in our world is a tool. Here are some of the strategic tools that will help you succeed in achieving whatever you dream: • Tool # 1: Focus • Tool # 2: Time Management • Tool # 3: Efficiency • Tool # 4: Priorities • Tool # 5: Commitment Lifemoney Currency “There was a time when nails were high-tech. you need to select and develop the tools that will help you achieve your goals.stoves.our tools surround us. Now that you’ve made up your mind to go after your dreams. cars or computers .

Tools for Success

Tool #1: Focus
Bruce Lee, the martial arts expert and movie star, once said, “The successful warrior is the average man, with laser-like focus.” Focus is something we don’t usually hear about but trust me: it is on the minds of every single successful person. Focus is exactly what the name implies; a narrowing of the lens until we get bullseye aim on our ultimate desire. We live in a world full of distractions. There are more TV channels than we can ever hope to watch, an entire industry devoted to creating computer/video games, four new movies to choose from each week, nearly 200,000 new books that get published each year and nearly that many new CDs. When you add in blogs to read, email to keep up with, instant messaging, cell phone calls, and all of the other daily distractions we deal with, it’s a miracle we get anything done at all! It is extremely important to stay focused on your goals. Don’t be distracted by external things. Distractions and challenges will come daily, if not hourly. These could involve the things mentioned above, people in your life, your job, your hobbies, or just about anything else that comes your way. Look past your obstacles and stay focused on where you’re going. This is how you handle obstacles effectively and keep yourself zeroed in on success. Notice I didn’t say you don’t have to deal with the obstacles – you just simply have to return your focus to your goal as soon as you deal with the obstacle. As you begin to recognize some of the common factors that have been sidetracking you and possibly bankrupting your motivation to accomplish goals, you will develop a clearer mindset on how to avoid distractions in the future so you can steadily pursue your personal vision of success.



Lifemoney Currency
“The successful warrior is the average man, with laser-like focus.” -Bruce Lee

Goal Achievement Exercise K
Take out your Workbook. List the typical distractions you face in a given week. From unwanted phone calls to sorting email, write down everything that takes time away from more important matters. Here are some possibilities: • • • • • Yard work House chores Chatty neighbors or co-workers Last-minute errands Television, computer, or video games

Beside each distraction, write one or two ways of seeing through the distraction, as shown in the following examples: 1. Yard work—get the kids to help more; hire someone to do it; schedule certain days for it. 2. Unplanned errands—do what you have to; postpone non-essentials. When you identify your most frequent distractions, you can stay more focused by spotting them early and seeing past them. The key to laser focus is recognizing what


Tools for Success throws you off focus and planning what you will do about it ahead of time. There is no substitute for knowing exactly what drags your focus off point.

Lifemoney Currency
“A major part of successful living lies in the ability to put first things first. Indeed the reason most major goals are not achieved is that we spend our time doing second things first.” -Robert J. McKain

Tool #2: Time Management
Imagine there is a bank that credits your account each morning with $86,000. It carries over no balance from day to day. Every evening the bank deletes whatever part of the balance you failed to use during the day. What would you do? Draw out ALL OF IT, of course! Each of us has a bank like this. It’s called TIME. Every morning, it credits you with 86,400 seconds. Every night it writes off as lost whatever amount of that precious, precious time you failed to invest to good purpose. It carries no balance. It allows no overdraft. Each day it opens a new account for you. Each night it burns the remains of the day. If you fail to use the day’s deposits, the loss is yours. There is no going back. There is no drawing against “tomorrow.” You must live in the present on today’s deposits.


Lifemoney Invest it so you get from it the utmost in health, happiness, and success. The clock is running. Make the most of today. Consider the following list which has circulated on email listservs many times. To realize the value of ONE YEAR, ask a student who failed a grade. To realize the value of ONE MONTH, ask a mother who gave birth to a premature baby. To realize the value of ONE WEEK, ask the editor of a weekly newspaper. To realize the value of ONE HOUR, ask the lovers waiting to meet. To realize the value of ONE MINUTE, ask a person who missed a train. To realize the value of ONE SECOND, ask a person who just avoided an accident. To realize the value of ONE MILLI SECOND, ask the person who won silver in the Olympics. Time is far more valuable than money, personal resources, and sometimes even health. Why? Because it is the one thing you can never get back. Once a moment passes, it is gone forever. You have lost the chance to make good with it. All you will have is a memory. If you are wise you put your time to good use – just like you invest money in the bank. But if you are careless then time will be wasted, leaving no significant memories and giving you no investment for future use. Time is the ultimate variable between success and failure. It is extremely rare to find a successful person who doesn’t manage his or her time effectively. Find ways to


” Can you imagine being 74 years old and wishing you had another year to spend with family or making a contribution to society? Use your time wisely by preparing a balanced schedule that allows you to spend time doing all the things that mean something to you. or reaching that goal you think you just don’t have time to reach. too. or useful for others or yourself. days. If you’re unclear about your objective you’ll be unclear about the time you’re spending. Donald Trump suggests sleeping only 4 or 5 hours a night. insists that she. interesting. only sleeps 4 or 5 hours a night.Tools for Success manage time well and you become a master of extra hours. contributing to the community. The next time you’re tempted to spend time where it won’t count for much. enjoying your family. While this may be extreme for you. Just pride yourself on finishing projects and never allowing them to linger unfinished. First. ignore the invitation and do something constructive. To manage your time better I would suggest four things. minutes. talking over the fence to your neighbor. months and even years. weeks. after 50 years you would have spent more than a year of your life “wasting time. driving to the store. Take it a step further and think of how much time we waste every single day. let alone two or three. Extra snippets of time come in the most unlikely places. or browsing the classifieds or eBay for things you don’t need. be very clear about what you’re trying to accomplish each day. busy with multiple high-profile projects including a daytime talk show and cookbook empire. finish whatever you start. 87 . In his latest book. Rachel Ray. If you wasted just 30 minutes a day on surfing channels. like building a career. Trump: Think Like a Billionaire. Third. Second. think of the extra hours you could find just by adjusting to one less hour of sleep per night.

” . except for three: his birthday. don’t give into time wasters. You are the only one who can guard your time – no one else will do that for you. The Shining.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. energy. How does one author manage such a staggering number of pages? The answer is efficiency. It’s a good lesson for all of us: you might surprise yourself 88 . While many consider him the “King of Horror. King has consistently published three or four novels per year. The Green Mile and Hearts in Atlantis. Since publishing his first novel.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. King has long said he writes at least four hours a day.” the author is also the mind behind movies like Stand by Me. back in 1974. all of them bestsellers and featuring such instantly recognizable titles as Cujo. Remember that your time is your time. The good news is you're the pilot. and Misery. Someone who knows a little something about being efficient is Stephen King. So even though he is not working 10 hours a day on his books. Salem’s Lot. money. or any other resource you have available. Fourth. Lifemoney Currency “The bad news is time flies. he is efficient with his time and committed to writing practically everyday. every single day of the year. the author of some of the world’s most popular novels. Carrie. the Fourth of July and Christmas.

you may need to reconsider that decision. weigh each one with a view to your goals. some activities are more efficient in getting you 89 . I would like you to list five things you are doing today that could be done more efficiently – and at least one step to boost your efficiency. From now on. Not pushing paper or daydreaming. Let’s do an efficiency exercise. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. Everything in life has a price tag. but efficient work. My guess is that you will get more done in four focused hours than eight unfocused ones. when you get the chance to make decisions. You also should get in the habit of counting the “efficiency cost” of each decision you make. In other words. Ask yourself. from time spent with friends to starting a home-based business. For instance: Current Activity: Not getting enough time in at the gym Efficiency Booster: Join a gym closer to home so less time is spent on the road to and from your workout Current Activity: Never finishing all the chores on my “to do” list Efficiency Booster: Make a rule that you won’t watch TV at night until you finish just one more item on your list Another way to become more efficient is to make choices that will lead you closer to your goals rather than away from them. Goal Achievement Exercise L Take out your Workbook.Tools for Success how much more you could produce in your own life with four highly concentrated and efficient hours per day of real work.

but efficiency of performance is what wins the game for the team. especially future goals. For that reason. or even minor. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. and effort? What must I give up in order to make this work? How will this choice bring me closer to my long-term goal? Will this decision prove worthwhile in the future? Lifemoney Currency “A particular shot or way of moving the ball can be a player's personal signature. time. consider making changes like these to enjoy life now while working toward a better one for the future: 1. In order to focus and spend your time more efficiently. get in the habit of asking questions like these before making major. We often work so hard to “fit in” exercise that we either can’t do it or hate doing it because it took so much effort 90 . Ride your bike to work to relax and get some exercise. To better manage your time and utilize your time more efficiently.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency.Lifemoney toward your goals than others. I want you to realize a few things about time and think about ways you can use your time more efficiently. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. decisions: • • • • How much will this cost in terms of money. Using time efficiently is a huge obstacle for many people who are would be success stories.

4. most don’t. spouses need our help. This helps to assure only important emails get through so that you don’t waste anymore of your precious time on email that literally doesn’t matter. 5. or poorly. 2. neither of which fosters success. Monitor how you’re spending your time. 91 . kids get sick. Setting aside one hour at the end of every week to analyze how well. or both. which can be as little as fifteen to thirty minutes. cars break down and bosses demand overtime when you least expect it. Set aside “unwind time” after work or school. television can be a valuable tool. you managed your time that week can save you hours the following week by learning from your mistakes. between important tasks. Don’t overfill your “To Do” list. We are not computers. Unfulfilled lists lead to depression and disappointment. 6. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. When viewed wisely. with planning and forethought. like getting to work or going to the store. Get a Spam filter for your e-mail. exercise. Things do not always go like clockwork. they often remain unfulfilled. and make any needed adjustment. minds. we tend to perform those tasks more efficiently. When our “To Do” lists are too full. we can’t perform task after task without stretching our bodies.Tools for Success to accomplish in the first place. What would you do with 7 extra hours per week? Watch one less hour of TV per night and you’ll soon find out! 3. When we schedule a block of time. Eliminate the hassle by making something you have to do anyway. Watch less TV and do something more productive. Many programs offer everything from stock tips to weight loss programs to informational documentaries.

Think of the day you were sick in bed. creative people. 10. Entrepreneurs. food to eat. we gain not just precious moments but momentum. Tool #4: Priorities What are the priorities in your life? For many. don’t worry about the rest. I usually use car time to catch up on calls that I need to make. Only focus on things you can control. lobby lines. Use waiting periods wisely. you would not have a roof over your head. 9. open the window and enjoy the air. the day begins with the priority of going to work and chasing a paycheck. in restaurants. 92 . and get going to a job so you can take home a paycheck every few weeks. 8.” Never waste an opportunity to learn. You get up. Appreciate unexpected delays. Always carry something to capture your ideas. Take a break to relax and listen to music.Lifemoney 7. especially when it’s spent in waiting rooms. wishing you could be outside. or a car to drive.” If we could save all the time we spend on worrying and complaining about things we can’t control and apply it to things we can. get dressed. there would be so much less to worry about. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. Bring a book to all your “doctors visits. even when it’s spent waiting for things. waiting for appointments. complaining is not action. Without those paychecks. When we learn to use our time – all of our time – wisely. If you’re stuck in traffic. “Worry is not thought. etc. Mason Cooley once said. Consider carrying a small notepad and pen with you at all times – or even just a couple of index cards tucked in a pocket or purse with a pen so that when you get a great idea while standing in line you have somewhere to safely store it until you can turn that idea into reality.

Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. Do whatever you’re doing all the way. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. The need for a clean desk before you can begin is less a necessity and more of an obstacle. Then commit to giving your best to your life and to your goals daily. something or someone important is going to get short changed.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. Second. How should you start the process of prioritizing all the important people and events in your life? Start by asking yourself “Do I know how to give 100 percent?” Chances are the answer will be “no. There will only be one of two reasons you don’t finish: either you found a better way to do the project or you feel that the task is not going to be worthwhile and thoughtfully bail out. 93 . focus on writing and not the collateral activities that might make writing that letter easier. complete all the important things at the beginning of each day. You come home to people that mean a lot to you. Don’t multi-task and try to accomplish too many things at once. Choose a priority and be a finisher. Don’t do busy work. In other words. If your goal is to write a letter to someone. don’t spend three hours cleaning your desk so you can get started. The third suggestion for prioritizing. You can easily become distracted doing this and usually nothing gets done right.Tools for Success Another priority for many people is their relationship with family members and friends. Focus on one step at a time. and take time to spend with the ones you love. Finish what you start when you start something.

I would often share sales opportunities and business deals so that I would have less work to do. But why spend hours handling that task when my time can be put to better use? Last. it was worth it to me. Mother Teresa. and freed up some of my time to work on other priorities. You have exactly the same number of hours per day that were given to Helen Keller. Even though I had to share the profits. Take on only what you want to do and say no to the rest. create a sense of urgency for important activities that are going to be meaningful in your life. my partners and I had a synergy allowing us to accomplish more in less time. One example from my life is that I pay to have my laundry done. That will only take me away from my priorities. Lifemoney Currency “Don’t say you don’t have enough time. give up the little things that scatter your time and energy. Together. Pay less attention to things that come up but have no relevance to your goal. Jackson Brown 94 . Sometimes you might want to consider sharing profits or payoffs in order to get needed help. Fifth. Your time belongs to you.” -H.Lifemoney Fourth. Sure. Leonardo da Vinci. I could do it myself. and Albert Einstein. I never answer my phone unless it is a call I’m expecting. don’t be afraid to say “no.” Delegate worthwhile projects that can be handled by someone else. Get a caller ID or another screening device for your phone to avoid sales calls or conversations with people who do not respect your personal time. Michelangelo. Thomas Jefferson. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. Pasteur.

few of us make that type of do or die trying level of commitment to ourselves and our own goals or even to the commitments we make to others that may help them reach their goals. he had not missed a single week of working out. you need to make your goals – things to do – daily activities. For example. Then the real embarrassment came: after going over his working arrangement. they make a commitment to the bank.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. it was like brushing his teeth. when someone buys a house. we call it a mortgage. consistently. It was something he had to do. However. we feel obligated to keep that date. or sleeping. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. In the last ten years. as he calls it) for over ten years. His response was that working out was one of his daily events. I learned that through most of those ten years he had worked 10-14 hour days between his job as a paramedic and a bartender! I asked him how he found the time and energy for working out at this pace. You wouldn’t go a whole day without eating. When we make an appointment to see the doctor. would you? 95 . I have a friend who has been bodybuilding (or body sculpting. I was amazed at his dedication and commitment. besides his normal two week break. When I was talking to him about his workout plan. In the same way. eating. a key part of your lifestyle. he told me that he hit the gym five times a week. My response to him at that time was that I would love to make that commitment but that I was too busy for that type of schedule.

200 books will be shipped in the next 12 months with the wrong cover 5. 1. Follow through. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation.000 checks will be deducted from wrong bank accounts in the next 60 minutes. You have no choice really.200 cases of soft drinks produced in the next 12 months will be flatter than a bad tire • Two plane landings daily at O’Hare International Airport in Chicago will be unsafe 96 .9% effort were given. He set a goal and did not stop until he reached it.260 income tax returns will be processed incorrectly this year 2. Go big or go home.517. I saw him) to a few months later running 26. Daddy's House Social Programs and the public schools of New York City.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon. because a 99.500 defective personal computers will be shipped this year 2.200 gallons of coffee assumed to be caffeinated will turn out to be decaf but consumed nonetheless in just one tax firm during the 1991 tax season • • • 103. 22. this was based on a study done in the 1990’s that circulated in email: • • • • • • Two million documents will be lost by the IRS this year.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268. He went from hanging out and drinking at clubs (I know.488.2 miles. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. give 100%.9% effort will not get you where you want to go. Here’s a breakdown of how things might look if only 99.

Oliver Stone. Jamie was already a 97 .000 incorrect drug prescriptions will be written in the next 12 months 114.500 mismatched pairs of shoes will be shipped this year $761.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18. Any Given Sunday. He even went so far as to tell Jamie that he “would not waste one inch of film on him. next Thursday and every day in the future on defective. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880. Jamie could have easily walked away.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9.900 will be spent in the next 12 months on tapes and CD’s that won’t play 107 incorrect medical procedures will be performed by the end of the day today 315 entries in Webster’s Third New International Dictionary of the English Language (unabridged) will turn out to be misspelled. often unsafe. The director. saying Oliver Stone didn’t know what he was talking about.Tools for Success • 3. Do You Have the Pit Bull Mentality? I think another illustration of how successful people stay committed to what they want is when the actor/comedian Jamie Foxx auditioned for the role of Willie Beamen in the classic movie about pro football. tomorrow. wanted nothing to do with Jamie.” He did not believe Jamie could pull off the part.690 will be spent today.

I heard that after Oliver saw the audition tape. never. Roc. he said that he couldn’t make the movie without Jamie. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . But that’s not how Jamie viewed and approached it. They are humble enough not to think they are too good to put in the extra effort. Jamie took it upon himself (on his own time and with his own resources) to make an audition tape for Oliver Stone to show the director why Jamie was the perfect actor for the part. -Winston Churchill Gathering the Tools for Success Summary The Five Tools of Success we learned about in this Lifemoney Lesson are all about developing your mental tools to get the job done of reaching your goals. they are confident in their abilities and they stay committed until the task is accomplished. at that point in his career he did not need the role.Lifemoney successful comedian/actor. He had also starred in several movies by this point. He had his own TV show. Moesha and Hanging with Mr. I think it is fair to say that although it turned out to be a great part for him. Second. So that’s how successful people handle getting something that they want. and he had already done many TV shows like In Living Color. never give up. Lifemoney Currency Never. The Jamie Foxx Show. Cooper. First. remember to get and stay focused on success.

or hour passes it is gone. minute. work hard to eliminate the “white noise” of your daily activities and learn to pay attention to the things that are truly meaningful – your priorities. talents.” -My Mother 99 . make efficient use of your time. Third. Last. you go to it. Fourth.Tools for Success second. and resources. make a commitment to embrace your goals and make them part of your life. Lifemoney Currency ”Success doesn’t come to you.

_____ 7. _____ 4. I have begun sorting high priorities from non-essentials. I have identified my focus and am ready to pursue it wholeheartedly. _____ 3. Lifemoney Currency ”What you can’t fix. I am taking specific steps to make better use of my time. _____ 6. _____ 2. and then tally your score. I have evaluated my schedule and am eliminating the time-wasters. I am willing to delegate some tasks to others.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 8. I am determined to include my goals in daily lifestyle activities. I am “do or die” committed to doing what it takes to reach my goals. I have made a list of the major distractions in my life. _____ 9. change or impact – You can’t worry about” -Brad Turk 100 . I am taking steps to avoid or redirect or see beyond these distractions. I am learning to make choices that will lead me toward my dreams. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 10. _____ 5.

” -Christopher Gardner Overview Finally. Progress Report When Will Smith played the lead character in The Pursuit of Happyness. You may not feel like you’re making much progress yet. compassionate and ultimately successful man named Christopher Gardner. only to find out later that the IRS has seized the bulk of the account. Gardner believes he has over $600 in the bank. your plans for reaching your goals are in play. as long as you are going forward. to 101 . one giant leap for your life. but just starting down the road to success is one small step for you.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. he took on the role of a complicated. You add them all up. and one day you look back and you’ll be surprised at where you might get to. At one pivotal point in the movie.

filled out paperwork for an extension. Instead. It will cost about $5. What do I mean by “evaluate his position and adjust?” Hopefully you have already fallen into a schedule of activities that are moving you forward. and literally withdrawn it from the account. Busy work doesn’t get it. For example. to do everything that you want or need for your dreams to become reality. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. 102 . But don’t worry: patience and paying attention brings progress toward your goal. you need your plan clearly laid out and a means to track how you’re doing. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. including printing.Lifemoney the tune of $600. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. it’s easy to wander and not finish the essential steps that lead to your goal.500 shirts to local retailers. You’ve decided that you’re going to launch your t-shirt line six months from now. if not years.000 for everything you need to get started. When things take time. But this motion is not complete unless you are taking active steps to measure your progress and know where you are on your journey at all times. it will most likely take months. While the event seems tragic. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. shipping and delivery of the first 2. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. The resulting loss sent Chris and his young son onto the street.

The simple reality is you need one single visual reminder of what you want. In this example. This messes you up because initially you only needed to deposit $110 in the account each month. but a big 103 . What might have happened if you didn’t take notice that you took out all that money? You would have failed to achieve your goal. Keep it simple. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch. But when you check you notice that there is only $4. What happened? Most likely – you made a bad assumption. What happened? Well. shipping and delivery – into place. or about $160 monthly. electronic calendar or some other external system. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. We often just assume things are going to work out once we have our plan in place. you simply failed to keep track of your progress. but by all means use something. where you’re going and how you’re doing. I prefer a big calendar. Don’t forget the map! The solution to this common problem is either a chart of your own making. It’s been a year since you made the decision to launch. This means that you will need to save $960 in the next six months. and you recall spending $300 to get a new bicycle. Was it out of reach? No. so you decide it’s time to check your savings growth to be sure you will have enough money when the time comes to launch your line.Evaluating Progress Now let’s say you have been saving for a year and have six more months to go as you continue putting the rest of the puzzle-pieces – printing. Were you on track? Yes. a daytimer.040 in your money market fund. Was the goal bad? No.

Here are my basic elements: 1. Also. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. so I’ve broken down my own personal system into five easy to monitor factors.Lifemoney piece of paper would do. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. Remember from Lesson #3 these are like “mini” goals that help you reach the larger goal or break the larger goal down into easier pieces. I monitor them on a grid which I will introduce shortly (these pieces of information can be derived largely from the work we’ve done in the previous goal achievement exercises). Let’s find out what they are. They are items that need to be accomplished to get me further toward my goal. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. Your reminder system should have several key components. As always. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. make this sheet physically easy to see as you go through your day. List a Goal: This is where I simply write out my goal – one goal per sheet. I make sure I regularly review my objectives. feel free to use your own system or means of tracking or modify the one you’ll find in the next exercise if you have something that works for you. 2. I write these action steps in clear and direct language using 104 . As you can probably tell. 3. I’m addicted to simplicity. It’s important to monitor each goal separately so use a separate sheet/planner for each goal. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. Written goals are powerful.

If I do all my action steps. and keeps you in touch with the realities needed to make your goals happen. Charting your journey in writing helps to make the whole process seem more real. but below is a model that provides an idea of how yours might look. I reach my objectives. We’ll start with January. the more accurately I can tell if I’ve reached what I originally envisioned. How you arrange your grid is up to you. I am going to use an example of setting a goal of becoming a better golfer in a year. 4. If I reach my objectives. creating objectives and action steps. 5. You can find lists of action verbs by doing a quick Google search for lists of action verbs. Goal Achievement Exercise M Take out your Workbook. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. I have found that the more specifically this is worded. as well as your response to them. I will reach my goal. Take it out for review often to make sure you are headed in the right direction. Closure on my objective always makes me feel good. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal.Evaluating Progress action oriented words. a popular time of year for making new resolutions or resetting ongoing goals. Now it’s your turn. 105 . Create a grid that lists basic steps for reaching your goals. Completion: I always mark the date when I’ve achieved each objective. and is a great marker of progress toward my goal.

and how often. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. and equipment of golf. I will surf Internet for local golf pros.Lifemoney Goal: Become a Scratch Golfer In Two Years Date January Week #1 January Week #2 January Week #3 January Week #4 Practice indoors during bad weather for an hour per week. by the way. Enjoy the thrill of getting better. I will make the time to sign up for lessons and commit an hour a week to practice. Outcome I will enjoy my golf game more and feel a sense of accomplishment. I will get expert help and assessment. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. Read one golf magazine article per week to learn more. 106 . after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. For instance. will be spent revisiting an earlier action step. you may spend another week in January (or whenever the first issue comes) reading articles from the publication as your action steps for those weeks. Even if you don’t fill every moment with related tasks. Call for subscription to Golf Digest. When you go back and check your grid periodically. you can quickly and objectively measure your devotion and success in chasing your dream. Action Step I will take 2 hours during the first week of this month to write out my plan. Some weeks. Learn terms. Check yellow pages for indoor putting green. Year-round practice will improve my skills. to work toward your goal. keeping a grid like this one will show at a glance what you are doing. pros.

remember to adjust the steps to getting there. For example. Make it easier for them to evaluate you by asking the right questions. If.Evaluating Progress If you decide to change your goal for whatever reason. for example. “You did nothing wrong. Ask good questions Most people want to know what they did right. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. and you found little change in the numbers after a few months. 107 .” To get better information ask. To find out if you’re off track I suggest you find out what you did wrong. Evaluate the input. If you get the same input from different sources.” This makes them think. it also forces them to be specific. you are now going to get a few things that they were not that excited about. chances are it is correct. Maintaining Your Course So what can you do to make sure you’re headed in the right direction? Here are a few tips for realigning your journey with the original goals that motivated your action plan. Find something that works. the diet routine. Fortunately and unfortunately. or instead of. even if that means rotating new activities through the process until you find one that works best for you. This is good. you could switch to a physical activity approach in conjunction with. I liked it all. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. “Please tell me the three things you liked least about what I did. Ask for outside input from people you trust to be honest.

He was told that his best hopes for a career would be as a carpet layer. When someone tells you point-blank that you’re going about something all wrong. people will stop telling you what they really think and say only what you want to hear. You’re allowed to discard opinions if you have a strong impulse that they are wrong. I’ve been wrong on many occasions.Lifemoney Welcome criticism Some of the comments you receive might include criticism. If you argue or make excuses. Keep in mind that not all opinions you get will be accurate. don’t reject impressions just because they are negative. Criticism is good – it lets us see a different side of ourselves. It also lets us know how others see us. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. You don’t have to take every piece of advice that’s offered. Before you open yourself up to criticism. which is totally worthless. just listen carefully and ask how you can do it better. practice what I call the 4-BE System: • • • • BE objective BE open-minded BE sure to listen and see if it is accurate BE honest with yourself. Analyze the critiques and use them as you see fit. Don’t be afraid to be off track—or even outright wrong.4 billion was thrown out of 2nd grade. however. 108 . Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2. In 3rd grade he was sent to a school for mentally challenged children.

Evaluating Progress • Thomas Edison was told he was not teachable. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. or an investment agent to discuss planning strategies that can make this possible. With his creative mind he patented over ten thousand inventions. that he was a screw-up. His bosses thought he lacked the common sense. or attending a money management workshop are additional ways of becoming more knowledgeable.W. His name was F. if your goal is to retire at age 45 meet with a financial planner. His last headmaster said he'd never make it. the phonograph. Woolworth. Before being home-schooled he was kicked out of three schools. Get enough information to provide a clear picture of where you are currently. and creative theory of relativity that has shaped modern physics. You might even want to get several opinions and weigh several options before making a final decision.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. and film. where you want to be. he never gave up. • Albert Einstein struggled in high school math. Good thing he didn't. your banker. or we wouldn't have his incredible. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. These also help to make sure you have a realistic goal set and that your 109 . far-reaching. including the light bulb. Registering for a financial planning seminar. • • Walt Disney was once fired for a lack of "good ideas. Yet. and how to get there in the most efficient way. founder of Woolworth’s and modern department stores. taking a personal finance class. For example.

I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day. or meeting someone and falling in love.K…. and your progress to see if adjustments are needed for a better chance at a successful outcome. O. a great new job offer that comes unexpectedly. Are some carried over for long periods of time? Are you making substitutions for temporary pleasures that eat up your time and resources without bringing you closer to lasting fulfillment? Remember that it is the small. your plan.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. you may get off 110 . carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. keep track of your progress. Either is fine. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. Above all remember. Notes to yourself. this is the time to reevaluate your goal. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. As you try to achieve your goals. a death in the family. Watch your goal progress closely Check your daily activities. as long as you continue to make steady progress. If not. Your best skill is your ability to write things down and track yourself. you still have time to adjust your plan to maximize your chances for success. daily steps that carry us the furthest distance. the loss of a job. Some people even use something as simple as notes.

Here are some examples to get you started. Goal Achievement Exercise N Take out your Workbook. Then move on to do the same with larger tasks. the faster you can get on your way.Evaluating Progress track too. take this information and use it to your advantage. properly aligned and refocused. 111 .” “You’re attitude is bad. And don’t forget that sometimes you get off track due to internal factors rather than external ones. You stop exercising or you start watching a new television series that leads to another new show to another and to another. Don’t beat yourself up for being normal. and then outline action steps you can take to address these. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time.” Rather than being upset or offended. The faster you uncover the weakness within you and address it. • • • • • • • “You have trouble following through to get things done. There are some very good action steps you can take to get yourself going again.” “You’re stubborn and won’t do as you’re asked.” “I have to constantly watch you because you waste so much time. “You always complain and never offer solutions.” “You work slowly.” “You’re always late. List the five most common criticisms you hear about yourself. We’re going to address some of the internal areas that may get you off track to achieving your goals.

Then be proactive in making changes to benefit yourself and others. Especially honesty with yourself about your own weak spots. you will lose track and wander in pursuit of your goals. I strongly suggest that if you break your tasks down into smaller. Better yet. 2. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. If you don’t make notes of how you’ve broken down your duties. • • Finish the task at hand and ask for something to do next. gut-level honesty. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. Being honest with yourself is a powerful tool. Write down the smaller. more doable chunks that you make note of it in your planner. more specific steps you 112 . Keep these keys in mind: 1. daily pieces that when completed will gradually accumulate and lead to success. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. come up with a clever solution to some problem the boss is having. break the goals up into smaller. Fortunately. there are many things you can do to address problem areas and turn them around to make negatives into positives. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. Be honest in soliciting opinions from others and acknowledging your weak areas.Lifemoney • • • • Make it a point of pride to be at work 15 minutes early Go overboard to do exactly as you’re asked without backtalk Work on being an encourager to others Step up your pace at work.

Make one sales call daily at least five days per week.) g. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. etc. f. take personal responsibility for the difficulties encountered in your quest. Resourcefulness). 3. i. daily. Contact at least one new potential employer each week. Meet with your mentor every other week for feedback. j. and be willing to make the necessary changes that will help to ensure success. 4. as well as find inspiration to help you continue to achieve your goals. e. Seek it out and you’ll find more encouragement than you’ll be able to handle. d. Check out at least one set of blueprints for your dream home each month. Learn something new related to your goal every month. Here are examples of small activities that can be conducted daily. weekly. you will be amazed to see how much you’ve actually accomplished. Save at least $10 per day for an average of $300 per month or $3600 per year. h.Evaluating Progress intend to take. Stop and reflect on your life more often: When you stop and reflect on your life every month or two. Work on replacing a bad habit with a good one each month. Read a self-help book related to your goal. Whatever you do. c. (I speak much more about this in Lifemoney Lesson #6. Seek out successful people for advice: Free advice is all around you. Review your written goals more regularly (hourly. Have a weekly date with your spouse or child to improve family relations. b. 113 .

” 114 -Brad Turk . After taking action steps toward your objectives and ultimately the goal. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you. plan to re-assess your progress.Lifemoney Lifemoney Currency “The price of greatness is responsibility. factor it into the equation. If you feel that you are unable to follow the timeline or stay with the quest. realistically – and often. but that’s fine as long as you don’t abandon the journey. living.to determine what you are able to complete on time. Come back to your journey when your batteries are recharged. Do this assessment frequently. evaluate your progress thoroughly. Make a visual reminder – like the grid I use . To tell the complete story.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. Every success story is written with dozens of action plans that were brought to fruition through focus and commitment. and then give it all you’ve got! Lifemoney Currency “Dreams are real. as well as anything that remains unfinished. If anything has changed since you began the quest. You may have to revise your daily or weekly goals from time to time. take a short break to renew your mind.

_____ 6.” -Brad Turk 115 . and then tally your score.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. I will invite and accept criticism that is given with a view to helping me. I will reevaluate my goal. _____ 9. In gathering feedback I will ask good questions. _____ 4. _____ 2. I will check the grid periodically and make any needed changes. _____ 3. _____ 5. Lifemoney Currency “Be consistently consistent. _____ 10. I will solicit feedback from experts. I have the names of several people I trust to give me good personal feedback. I am going to regularly check my progress toward reaching my goals. I will make efforts to change or eliminate bad habits. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. along with my progress at regular intervals. I will create a grid for recording action steps that lead to my objectives. I will be quick to admit my weaknesses _____ 7. _____ 8.

When things don’t go as planned.” Overview Everyone struggles to meet their goals. everyone encounters resistance along the way.Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe. and we can endure much more than we think we can. Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). whose net worth is estimated to be $320 million. you need to look for other routes or means of help. 116 . We are stronger and more resourceful than we know. It’s how you handle the resistance that leads you to success. knows firsthand what it means to be resourceful. Sean. This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. who was brought up in the Marcy projects in Brooklyn. had to create his own destiny.

How resourceful are you? Could you overcome adversity by thinking not just “outside the box. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. Other ventures of his are Armadale vodka. In addition to becoming the President of Def Jam Recordings. Jay-Z became one of the most respected rappers in the music industry. part ownership of the NBA New Jersey Nets and the S. you might be filled with 117 . which launched not only his career.” but over it. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. I was forced to be like a businessman because when I was trying to get a record deal…it was either give up or create my own company. Sean was unable to get a record deal. Carter line of Reebok sneakers. “I was forced to be an artist and a CEO from the beginning. in some cases. he needed to be a businessman as well. under it. he also expanded the Roc-A-Fella empire.Resourcefulness When he first started out. with 18 Grammy nominations and 5 Grammy wins. When faced with resistance he responded by finding solutions to his problems. No one seemed to be interested in his music or recognizing his understanding of the music business. Being a talent was not good enough to attain his success. right smack through it? As you begin your journey to reaching your goals. including Kanye West. but the careers of many other superstars. the 40/40 Club in New York City.a very successful clothing line. He has a willingness to find any way to achieve his goals. around it or. which includes Roc-A-Fella Films and Rocawear .” And that’s what he did! He co-founded Roc-A-Fella Records. which eventually shaped his destiny.

This lesson points out some useful resources and answers for the troubles you will encounter on your journey. you can find resources that will make all the difference in your search. You’re going to need to be resourceful no matter how much you have going for you.Lifemoney confidence. run some cold water over your hands." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. then slap yourself in the face. The resources you’ll need to tap into can come from inside yourself or from around you. They might come from your creative imagination or perhaps from the lives of other people. Successful people never hesitate to look for resources that can mean the difference between success and failure. What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. the more likely you are to run into something unpredictable. do surgery with a pocket knife and 118 . Either way. turn on the light. “I’ve never felt better! I have a sense of purpose. With a little bit of effort and some common sense. no matter who you are or where you’re headed you need to focus on using these resources to get through the challenges you are going to face. and I know exactly what I have to do to reach my goals. or mediocrity and brilliance. Lifemoney Currency "I've found from past experiences that the tighter your plan. You may be thinking.

Though you may not end up being MacGyver. Be an open-minded. Take time to jot down problems for which you’re seeking solutions. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. he could always find a fix to any obstacle he faced using just what he had around him. Relax and think: don’t let the complexity of a problem paralyze you. He was never played out. You’ll have to learn to let your mind go in this fashion. and realize that often the reason you’re stuck is because you’re not thinking big enough. 119 . Take stock of the situation to see what you can do. if we take the time to fully analyze a problem there’s a very good chance we can figure out a solution on our own just using what we know. and when it comes to succeeding in your life. expensive. He was the picture of resourcefulness. Clever. resourceful problem solvers are some of the most open-minded thinkers I know. you must be the same way. and then brainstorm big. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. Did you ever consult someone about a problem you were having. but the natural resourcefulness of your mind will reward you with many great and doable ideas. Take the time to take stock of the situation and think on your own.Resourcefulness make a computer out of duct tape. 2. only to be told something you already knew? Often. These are four ways of thinking that have made me a better businessman and human being. The trick is to keep your mind focused on what you want. wild and fun solutions. I want to make four suggestions for being more resourceful. big thinker. You can always do something. even if you’re unsure of the outcome.

This was a problem. Don’t be afraid to ask questions from people who know.Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. Don’t look at life with the jaded self-knowledge of an adult. It was a big thinking. Be a pest. George. As you can see on the cover of this book. who was middleaged and looked more of the part I needed to play. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. When attending a high-power meeting I’d take along a good friend. 120 . I looked nineteen. George and I appeared to meet expectations for maturity and sophistication. Instead of focusing on what I could not change—my appearance—I worked on another aspect I could change by taking along a friend who helped to balance my looks. I look a lot younger than my real age. As a team. That’s how you learn. ask over and over again. over a microphone to your computer. 3. out-of-the-box resource idea and it worked. I have a baby face. I was trying to launch my business and wanted professionals and industry experts to take me seriously. As an entrepreneur or creative thinker or just someone who develops their Lifemoney skills you’ll find that you have so many new ideas that you don’t have time to act on them. Make sure you capture those ideas somehow – in paper. however works best for you – and then review them every once in a while to see if there is one you can implement. Once the perception piece of the introductions was achieved. I was able to pitch my products and services to an open ear. big thinking I created a great solution. Become four years old again. At twenty-five. And when you come up with all those big thinking ideas – capture them. but walk with eyes – and ears – wide open. and in a moment of wide-open.

Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. It was taken from the web site http://members. And in my experience. With wild abandon you tackle new words. Book is your favorite word. Look for solutions in the most unlikely spots. Here’s a thoughtful letter written to a child from her grandfather. You want to climb the attic stairs. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. I see danger.ca/athomas125/hanna. I see mess. You want to know everything. I struggle to learn. How many times have heard of a solution to a problem coming from a totally unexpected place? Resourceful people are always making themselves look for answers in places nobody else is looking. You see steps.shaw. My dear granddaughter Hannah. I see problems. You want to paint. you see colors. new skills.htm. You find laughter in mistakes. hoping to master the computer in one easy lesson or not at all.Resourcefulness You don’t know everything. You are only two. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. 4. you can’t know everything. Questions are your favorite tools. I find embarrassment. I've forgotten how to laugh at blunders… 121 . You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. You love to learn.

Ask questions that seek out detail rather than just yes and no. At lunch you boldly bite into broccoli. help me to grow up and become just like Hannah. These could be friends. Just keep going until you find the information you really want.Lifemoney You are courageous. I stick with the familiar favorites. I love you for who you are! Grandpa Dan Dear Lord. Look around for success “MacGyvers” hiding in plain sight all around you. neighbors. Keep Looking . you might be given all sorts of misleading ideas. and though you dislike it. if it's not too late. Sometimes you may not know where to begin the quest. Talk to people from teens to retirees. and relatives who may have an idea or solution to your problem.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. asking questions about their perspectives and ideas. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. or information you can’t really use. But that comes with the territory. You walk right up to a stranger and smile. tomorrow you will tackle cauliflower with the same exuberance. 122 . take notes and then summarize back what you heard so that you’re sure you captured both the words and the spirit of the message. When you’re listening to an answer. And learn to ask better questions and be a better listener. After talking to one resource person or another.

often at the press of a button. find a seat at the café. If not. All you need to do is pick a search engine (I use Google. That’s the beauty of the modern world. Number 2: Buy a book or magazine You can find dozens of books and magazines in your goal area or where you want to learn new things. Don’t be afraid to use all of the resources available to you to gather more resources. you should be able to find worthwhile reading. Instead of sitting in front of the television or playing video games. Here are four incredible resources. There’s no better or quicker way to 123 . buy a cup of coffee. because it is the most widely used and brings up the most comprehensive information) and type in the name or topic you want to research. spread far and wide. and read a recent biography of someone you admire or a book on a topic related to your goal. In a larger bookstore chain. Look at the jackets and back covers for ideas about whether a book will be helpful. Even as there are more and more of us. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. You don’t even have to buy the books. Whatever your needs or interests. You can even use full sentences to pinpoint the closest data to your topic search.Resourcefulness You probably won’t find everything you need in your back yard. ask a store associate to order materials for you. If you don’t find an exact match. technology is bringing us closer together. But you can go anywhere you want and talk to whoever you like. you can just read while you’re there. try different variations of the same words until you find what you are looking for. spend your time searching for buried answers.

Toronto. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. borrow books for free at the library. In New York. Most libraries offer this type of service for free. language CD’s or DVD’s (if your goal involves traveling abroad). San Francisco. You don’t have to buy the product. magazines. but you may learn a few things from the expert while you participate in the webinar. Number 3: Check it out at the library: If you don’t have money to buy publications or want to keep them for a closer reading at home. Minneapolis. 124 . If your library doesn’t carry a book you want see if they can get it for you from another library. and Los Angeles you have the Learning Annex (learningannex.com) where they constantly have well known speakers. and videos. movie producers and music moguls at your disposal. San Diego. Number 4: Take a seminar There are a lot of seminars given and places to go that you can learn directly from experts in your desired field. Check your local area for something similar. Many companies offer free webinars with noted experts in a particular field as a way to sell their products.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. You can also get audio books.

It is idling in you right now. For example if you’ve challenged yourself to get a great job in New York City. Be 125 . find out all you can about life in New York and the companies or groups associated with this new job in New York. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. That thrill of learning still exists inside you today. They will teach you how to become financially secure and independent. waiting for the chance to drive you toward solving your challenges and meeting your goals. Ask the people around you what they know about New York. One life changing piece of advice can make you thousands if not millions.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. or showing off your playground skills to other kids.” -The Learning Annex Promise There’s No Need To Grow Up Remember that excited feeling you had as a kid when you started school? Remember that wonderful anticipation of what you were about to learn or do? You were probably thrilled at the thought of becoming smarter and impressing Mom and Dad with good grades. Read books and look for television programs. you will be able to learn from the experts in that field.

Most colleges – especially community colleges offer informal. Check with a local community college or university branch campus for information about these classes. Consider joining 126 . suggest that it be taught in the future. Over time our interests drift and friendships change because your interests no longer match. • Join a special interest group. and provide you all kinds of problem solving resources. Often we outgrow our friends. To run for civic office in a few years. If they don’t have one you want. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. volunteer at a local official’s office and see how it works.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. Those friendships can form quickly and be lasting. Rather than ditch your old friends. You can meet experts in your field of interest and learn things about your pursuit you never knew existed. find a writer’s group or a reader’s club. If you’re planning to write a novel. like minded people that share your intensity in life. • Take a non-credit class. the internet provides an opportunity to meet many like minded people. work on building friendships with new. then ask lots of questions. Learning new things is virtually guaranteed. Listen first. specialized courses that often cost under $100 and run over a day or several weekly classes. • Online Special Interest Groups. No matter what your interest.

this week I will seek out one interest group related to my goal 127 . 2. reading blogs about topics that interest you. List three places where you can go to find some information that will further your ability to be resourceful. such as: 1. such as: 1. Consult a community resource center 2. Join an online chat room 3. or subscribing to a mailing list of like minded folks. Community resource center – attend evening sessions from 8 to 9 Monday. Online chat room--. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s.” -Bill Gates Goal Achievement Exercise O Take out your Workbook. Wednesday and Friday.Resourcefulness an online community. assign timelines in which you will visit these places. Visit a local learning annex Once you have these three written down.

Uptown Records.Lifemoney 3. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. those who have already accomplished what you want to do. learner and observer.. Combs applied to Howard University in Washington. Like Diddy. and found resources anywhere – and everywhere – he could. contact authors whose writing style you like and ask them for tips on 128 . Before he became known as Diddy. look for experts in your field. If you’re planning to write a best selling novel.C. According to Answers.com. “Already a shrewd businessman through his two paper routes. Sean “Puffy” Combs worked in thankless jobs like the rest of us. and while attending. D. This is someone who will work with you to set goals and help you make plans for reaching them.” There he swept floors and kept his ear to the ground. learning the industry from the ground up. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad. you might as well think big. But Combs was an avid listener. Lifemoney Currency “If you are going to be thinking anyway.

and other information that might hold clues to the reasons for a person’s success. interviews. 129 . too. libraries and the Internet are valuable. Make sure that you research these people and their companies. When learning from the experts. don’t be surprised if some don’t return your calls. There are actually some fields like the music industry where the only path to a real job is to intern. Or look up a local leader that you might be able to interview or job shadow. Books.Resourcefulness getting published. take a job as an intern like Diddy. Always be prepared and don’t waste anyone’s time. “What is one thing you would do differently?” Study those who are where you want to be. and look for readers that can tell you what they look for in this type of book. and who won’t turn their backs when you need help. Go straight to those who know the ropes and can share a bit of wisdom. Don’t fight the system if you don’t have to. but people are the ultimate resource. and find out what keeps them going strong as well as the things that hold them back. Don’t rely on your own expertise. before you speak to them. If speaking directly with an expert isn’t likely. And. videos. find out what not to do. Learn it first then conquer it. get some books about famous people who have already made it in the area where you want to go. Look up biographies. too. Ask questions like. Look for people who can provide guidance. Avoid their mistakes. You could contact publishers. Try other people or be persistent with the ones you really think are important for you to meet or talk with. If you’re a student. You also may want to consult the local Small Business Administration or a retired executive. if applicable.

think of key resource people you already know from your past and your present. Never forget to take advantage of your network of connections. List three people that you will contact for assistance. intrigue these people to help you in whatever way possible.Lifemoney Lifemoney Currency “If I have seen farther than others. there is probably someone in your network of connections that has faced the same problem at some point and would be happy to serve as a resource to you. it is because I was standing on the shoulders of giants. You’d be amazed how many talented people you already know that could help you along your journey. No matter what sorts of challenges you face right now. 130 . While making your list.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. Using the people skills that you will learn in Lifemoney Lesson #8.

But there is. 131 . Very few people succeed entirely on their own. in this case. to get the information. small and large. services and know-how you need to create Lifemoney. always tomorrow after you have done your best to achieve success today. Don’t limit your dreams by limiting your scope. and as far as necessary.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success.Resourcefulness Lifemoney Currency “Remember you will not always win. the most resourceful individual will taste defeat. Some days. Stephen Spielberg. It’s important to utilize every opportunity. that can put you closer to reaching your ultimate goals. every one of those people was a resource in creating his latest masterpiece. Try to count how many names are listed at the end of the film. might be the director. but stick around for the credits after his next movie. reach out as often.

Learning is the beginning of spirituality. I will keep my eyes open for a mentor. I will take a class or seminar related to one or more of my goals. I will read new material that relates to the pursuit of my goals.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with.” 132 . find the people you need to know and introduce yourself. _____ 8. I will enthusiastically seek information like a kid. school or online special interest group. _____ 3. I believe learning is the beginning of wealth. ideas. _____ 9. I will network with people I know to find expertise beyond my circle. I plan to read an autobiography of a famous leader who inspires me. _____ 5. Lifemoney Currency “Some people say it’s not what you know. I plan to visit a library.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. Searching and learning is where the miracle process all begins. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. _____ 7. _____ 2. Learning is the beginning of health. _____ 4. _____ 10. giving yourself 10 points for each checkmark and 0 points for any left blank. but who you know.Brad Turk . and then tally your score. _____ 6. and observations. I say. _____ 1.

asking big and avoiding the herd mentality. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. They are your real wealth. objectifying your goal. Now I want to talk to you about the one Lifemoney skill that might be the most important to anyone wishing success in life: creativity. He bought the property in 1977 when that part of New York City was in terrible shape. Trump had no 133 .Creativity Lifemoney Lesson # 7: Creativity “Rules? Hell there are no rules! We’re trying to create something here!” -Thomas Edison Overview I have built this book around the idea that your personal qualities are like money to you. looking at things from a different perspective. your Lifemoney. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. These include visualization. directly across the street from Grand Central Station.

Lifemoney other major properties at the time and was told that this was not only “out of his league” but would prove to be “a terrible investment.” Even though he was only 26, Trump’s imagination was endless and he saw something nobody else saw in that property. He was sure the city would eventually revitalize the area and that building would be a goldmine. But Trump did not have the wherewithal to do this deal on his own. For most people, the dream would have died there: no money, no deal. Not for Trump. Donald could clearly imagine a major hotelier working with him on the property, and convinced Hyatt to manage the property. It became the Grand Hyatt, with Trump and Hyatt owning the hotel on a 50/50 basis. But that wasn’t even the best part of the deal. In addition, Trump got Hyatt to agree that it would never manage another hotel in New York City. Trump was so immersed in his creative ideas for real estate that he would ask for outrageous things without thinking anything of it. These weren’t outrageous requests to him, just obvious ones. This boldness was born of creativity. It was a mindset that drove him to propose many more innovative projects. It is this type of can-do, creative thinking that, if adopted, will give you an edge in reaching your goals faster. As Trump shows us, imagination, creativity, brainstorming and audacity are some of the mental currencies of success.

Lifemoney Currency
“Man’s mind stretched to a new idea never goes back to its original dimensions.”



Goal Achievement Exercise Q
Get out your Workbook. Pick two goals that you have listed in Exercise F, and come up with a different and creative way that you can bring yourself closer to that goal. Do not use any ideas that you have had in the past or seem conventional. Really stretch your mind and look at achieving the goal in a new way. Read over your ideas, ignore the thoughts that these are impossible. Can you use your resources differently to make one of these impossible steps a reality?

Lifemoney Currency
“Don’t play what’s there; play what’s not there.” -Miles Davis

Dream It, See It, Do It!
Let’s use a creative approach that many successful people have used to expand their thinking. This may seem strange if you’ve never done it, but it’s called visualization. It involves creating pictures and movies in your head of things you want. For example, picture a snapshot of yourself on a cruiser yacht in the Caribbean, or taking part in a board meeting of a prestigious company – maybe even your own company. See that smile on your face? You’ve made it—you are living the dream in your mind. In this way the practice of visual creativity helps you own the feeling of success and generates more energy within you. 135

Lifemoney Walt Disney was famous for saying “If you can dream it, you can do it.” Nobody knows that better than Arnold Schwarzenegger, famous bodybuilder, actor and politician. Arnold always understood the power of dreaming and reaching for what you want. He grew up in Austria and he dreamed of leaving his homeland to pursue the goal of becoming a world-class bodybuilder. Years later after he reached that goal, Arnold visualized becoming an American film actor. Dreaming big once again it didn’t take long for him to meet that goal, too. His next dream was to hold public office in a country where he had not been born. Arnold continued building on his natural skills by visualizing many things. Today, Arnold Schwarzenegger is Governor of the State of California. He dreamed big, developed needed skills, watched for opportunities and followed his heart to become everything he wanted. In fact I saw him interviewed on television recently and he was sharing the fact that he’s not yet done dreaming. He has more, and when the governor’s gig is up he’ll be moving on. If you want to see a ‘dream it and do it” guy, watch Arnold. In your mind’s eye, walk through a typical day exactly as you want it to be. Who do you talk to? What do you do? Enjoy the mental image of your success by capturing each detail as a memory to motivate you when the going gets tough. Be patient and build that mental motion picture carefully. Rather than becoming overwhelmed by going from 0 to 60, use your creativity to visualize your daily activities, the house you plan to live in, where you go to work, what your days consist of, how it feels to go home; when you spend time with a spouse, kids, boyfriend/girlfriend, or family; where you go on vacation, what car you drive… Does


Creativity creating success in your mind make you excited, impatient, and eager to get started? This is the power of creativity to motivate you and form your life.

Lifemoney Currency
“If you can dream it, you can do it.” -Walt Disney

Goal Achievement Exercise R
Take out your Workbook. Rewrite two of your goals from Exercise F and actually see yourself achieving them. Make your visualizations into a mental movie where you’re seeing what you’ll see, feeling what you’ll feel and hearing what you’ll hear. You might have to get yourself into a quiet place to get all these senses activated, but do your best. When you’ve spent several minutes experiencing the visualization “movie” of your success, write a sentence or two in your Workbook about how the experience expanded and changed your thinking.

Five Creativity Factors
Let’s take all that we’ve been discussing over the last several pages and summarize it into some basic principles. When you are creative you: 1. Use Visualization to see your goal and watch yourself accomplishing it. 2. Objectify your goal to build a pathway to success. 3. Learn to look at things from a new perspective. 4. Ask big.


it’s time to shift gears and visualize it. Visualization is when you mentally create an image of yourself accomplishing the desired objective. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. Now. imagine yourself doing it. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. Notice even small things like the shoes on your feet and the color of your clothes. For example. and telephone.Lifemoney 5. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. If you want to operate your own business instead of working for someone else. or when it becomes increasingly difficult to see yourself in the winner’s circle. copier. this proven 138 . fax. Your body will do what your brain focuses on. it becomes more tangible. if you want to get into real estate. so keep your thoughts positive and stay focused. You’ll work out the bugs of a process that will move you closer to your goal. What’s it worth to you? When you’re ready to give up on your dream. Picture your home office with all the things you would use in a public office—computer. Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. This isn’t fantasy or play-acting. Avoid the herd mentality. step by step. See yourself inspecting the houses. what does that mean for you? Do you want to sell houses? Do you want to manage rentals? Do you want to sell commercial property? Do you want to invest in real estate? Specifically describe your goal and envision yourself doing it. noticing colors of paint and the condition of the neighborhood.

To date. Do what you can to make a real “object” out of your goal. There is no substitute for keeping the proper image in your mind at all times. Look at your workspace. and I still have the toy versions to help me remember to make my dreams real. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. I have had both of these cars. good or bad. Why? Because you will create whatever you’re visualizing. an action you take. Lifemoney Currency “Visualization is daydreaming with a purpose.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500. Sometimes having that physical object can help make an abstract idea seem more real. That is a conscious choice. I kept miniature models of these cars in my room as a way to make my goal “real” and be an incentive of what I was working for. Do you keep a special object to remind you of your roots. All success starts in your mind. your accomplishments and your dreams? Some 139 . Take responsibility to hold those images in your mind. Those that fail to reach their dreams are often letting their positive visualizations vanish. but our brains respond better to the real thing. Acquiring anything starts with imagining it constantly. whether at home or at the office.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved.

start collecting those things and placing them around you. it should be something that reminds you of and keeps you motivated to achieve your dreams. The object for your personal goal might be something that brings to mind your dream. Chances are you have a framed photo. This is especially important in creating objects that represent your personal goals. and how important it is to enjoy every minute. They go to the closet and look at the outfit that they hope to wear a few months from now to remind them of their goal. an award or commemorative gift. the one he died on. seemingly insignificant object that reminds you of something very important.Lifemoney people have desks covered with trophies and some have desks covered with bills. Dieters sometimes buy clothing in the size they want to be rather than what they are now. Who do you think is more positively driven? Around her neck. Queen Latifah wears a key on a chain. and she keeps it near her heart as a reminder of how much she misses him. 140 . A miniature horse that fits in your palm could be the symbol of your future breeding farm. or another small. present or future. It also keeps her motivated and helps as a reminder of how precious life is. The key belonged to her late brother’s motorcycle. If you don’t. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. Real objects have power. whether past. Whatever you choose.

“We’re out of here. He buys a lot of properties.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. it seemed I got the truth out of him. From his perspective it was good that the place 141 . I put it in my wallet and it deteriorated. I remember him helping me out once when I was looking for a small rental property. And then. I thought I knew something about real estate and I asked the agent how long the place had been on the market. After bothering the agent. His success is attributed to seeing what’s not there and being open minded about what can happen. He asked more questions. It looked like a hurricane had come through and no one bothered to clean up after. my friend saw as a positive. Well. just before Thanksgiving 1995. When we went into the place I was very disappointed. the actual apartment was terrible. manages some and sells the others. I looked at my friend as if to say. What I saw as a negative. I found out I was going to make ten million dollars for Dumb & Dumber. crunched some numbers and while we were sitting down for coffee afterwards. and he informed me they had been trying to sell it for over a year. he explained to me that this was a great deal. Although I loved the building and the area. that was it for me. I put that check in the casket with my father because it was our dream together.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995.” But David wasn’t quite ready to leave.

000. 142 . she really wanted a more flexible schedule.000 co-op for $175. You know why? Asking for big and bold things always generates creative new ideas and usually uncovers a solution to your problem that you might not have thought of. David helped me to see the real value of that deal. How? We were able to get the price from $165. You can do this in your own life. So try! It is a valuable lifemoney skill that can translate into big cash money. She envied my work schedule and the fact that I could arrange my days as I saw fit. does medical billing and is the office manager for a doctor’s office.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. Most people who walked in there did not see the value of the place and could not picture what the place could look like.000 and after spending $25. Anybody can see what’s obvious but only a few can see potential. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. it appeared that I would be buying a $200. Although Liz was happy with the money she made and her success in what she did. After David did the math with me. Liz. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. She is good at her job and has been with the same company for over 10 years. She wanted the ability to occasionally pick up her son from school and also did not want to be tied down to the typical 9-5 work week. Creativity Factor #4: Ask big There is huge power in learning to ask big.000. My girlfriend. By shifting perspective.000 down to $150.Lifemoney was a wreck and was on the market for so long.

Creativity When I encouraged her to suggest something new to her boss, like a more flexible schedule, she was positive he wouldn’t go for it. But rather than just forgetting about the idea, we sat down and actually listed some very big possibilities she could take to her boss. Specifically we asked ourselves “What might her boss go for?” We made ourselves think outside the box. This thought process alone allowed us to quickly figure out a few adjustments she could make to maintain job duties and still free up some time in her weekly schedule. Then one day at work Liz asked her boss something big. “I’ve figured out a way to work even more efficiently,” she began. “Oh, yeah?” her boss asked. “What’s that, Liz?” “If I work a day a week at home where it’s quiet, I can get more billing work done without the distraction of answering phones or coworkers’ questions. I’m sure I can work faster, which will save the company time and money. Can I do it?” Now do you think that was easy for Liz to ask her boss? No way. But she boldly asked a new and surprising question. And guess what? Liz’s boss agreed to give it a try, and now she has more flexibility in her schedule. She has a day each week for personal errands and her son and on that day she works the hours that she sees fit. Even when it seems like the odds are against you, asking bigger and bolder questions can be a huge source of inspiration and possibility for you. When I worked at MCI, through hard work and utilizing the Lifemoney lessons in this book, I became the number one salesman in the country. My problem was that I knew I preferred working from home without a boss breathing down my neck. But my boss really wanted me to work out of the office in the more standard corporate way. Rather than just giving in to this expectation, I asked myself a bigger, better and bolder question: what would the boss


Lifemoney go for? I decided that I would go to him and candidly explain my vision, how I worked best and how we could make this work for both of us. I set up an appointment with my boss and I explained how much more productive I was from home and that I had two more hours in my work day by eliminating the commute it took to get back and forth to the office. All I had to do was point to my sales results, and my “work from home” sales pitch spoke for itself. I showed that I was able to do my job the way that made sense to me and worked with my personal schedule. I wound up only going into the office a few times a month. I took a standard practice of almost all corporations of working the typical 9-5 office job and turned it into something that worked for me. An enormously big opportunity for me began by asking a big question: “What’s possible here?” Asking big is not only a creative way to think, but when you take the short step of sharing your creativity publicly; profound things will start to materialize. Get in the habit of asking big. Even if it doesn’t work, you’ll be a step closer to finding the solution that will work.

Creativity Factor #5: Avoid The Herd Mentality
There is an old saying that “if everyone is doing it, it’s probably wrong.” We are herd animals, and often where the herd is going is not original or creative in any way. Successful people are more often those who are willing to dream about going another way. It is always best to have some foresight and try to do what has not or is not being done. That’s not too say that you can’t make millions or find happiness doing things that have been successfully done in the past, but the pioneers will usually capitalize the most.


Creativity In addition, you also have to be careful not to jump into a fad or in something that has already reached its peak. The perfect example would be all of the late comers who tried to break into the real estate market – well after the bubble was set to burst. Read what Robert Kiyosaki, author of Rich Dad Poor Dad says about the stampede that took off after the real estate boom. “In 2003, every fool was getting into real estate. The checkout girl at my local supermarket handed me her newly printed real estate agent business card. The housing market became the hot topic of discussion at parties. ‘Flipping’ became the buzz word at PTA meetings. Homes became ATM machines as credit-card debtors took long-term loans to pay off short term debt.” And now the papers are filled with stories of people who followed the herd and ran off a financial cliff. Once everyone is doing what you are looking to do, it often makes your goal that much harder to attain. Again, this does not mean that it can’t be done. It just means you will have to work that much harder and smarter to get your results. You don’t always have to do things the traditional (Herd) way to get it done. If you want $5,000 to buy a speedboat, do you have to start with a basic savings account? Are there other ways you could raise that money? You could: • • • • Sell used items you no longer use -furniture/tools on Ebay. Downsize to a smaller house or less expensive car. Create shares of the boat and bring in partners Get a second, part-time job.


Lifemoney While all, some, or none of these options may work for you, the point is to try to go in the opposite direction of the herd when the herd has been going in the same direction for a while. Back to my main man Donald Trump: many people thought he was born into his millions, or that he came by his wealth easily. The opposite is true. Donald’s father, Fred Trump, had to help support his family and started a construction business in Brooklyn, New York. Donald spent a few years working out of the same office as his dad. When he eventually decided to get involved in real estate, he did so with a limited budget. Though he had very little money, the first thing he did was to become a member of an exclusive New York club. He used his membership as a way to make contacts. That’s pretty unusual and not what a herd thinker would do. Who ever thought of starting a business by joining a club? Most of us would wait until the company was established – probably even well established - before developing business relationships. Trump took an unusual route to success, and it paid off.

Lifemoney Currency
“You see things; and you say, ‘Why?’ But I dream things that never were; and I say, ‘Why not?’ ” -George Bernard Shaw


Lifemoney Currency “A problem is a chance for you to do your best thinking. _____ 4. Make the time. but seeing what’s not there. 147 . _____ 2. I can visualize my success through a variety of mental pictures. Is there some way to save time or money at your job? Can you trim the household budget? How about trying out a new skill? Most people have a lot of potential that goes untapped. _____ 3.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. and invest the energy in some creative thinking about going after the things you want. I have objects around me that symbolize the success I seek. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. I seek out new perspectives to old problems. and then figure your score. _____ 5. Remember that one of the most important aspects of creativity isn’t seeing what’s there. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. Don’t let yours go to waste. Take the time to evaluate your situation and try a creative approach. Engage your creativity now by taking stock of your situation.Creativity Creativity Summary Why wait for your dreams to happen when you have more time? You will probably never get more time to chase them than you have right now.

_____ 8. hasn’t been done or looks like it can’t be done. Lifemoney Currency “Just because something isn’t being done.” -Brad Turk 148 . I will use creativity to help me attain my goals. I avoid the herd mentality at all costs. I keep asking bigger questions to spur my creativity.Lifemoney _____ 6. I know when I ask boldly. _____ 7. I make detailed mental images of what I want. _____ 9. _____ 10. great possibilities are created. doesn’t mean you can’t do it.

Using people skills in a competent. if people get better at these people skills. everyone benefits” -Daniel Goleman Overview I am going to introduce you to my very simple and powerful twelve-steps to becoming a more persuasive and accomplished people person. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. So learning to interface with other people is vital to realizing your goals.People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. Understanding how others work and the mechanics of how they think will be crucial in gaining the support you need to get what you want out of life. 149 . For almost any goal you may have. professional and powerful way will not only aid you in achieving your objectives. getting others involved will be a major key to your success. but it should make your life experience more rewarding as well.

Using my Lifemoney Lesson # 8. I had a salesperson who was one of the most charismatic people you could meet. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. He had so many excuses that he was losing track of them. and that I could not work her harder than she would work herself. I had one rep who was just like I was as a salesperson. I provided them the resources to work in an environment where they could thrive. that she would get the sales in. Their “House Rules” were specific to how they thought a salesperson should be. I quickly realized that to deal with people effectively you really need to understand what motivates them. He once told me about his only uncle. I did for her what I wanted my sales manger to do for me – I stayed out of her way. On the other hand.Lifemoney While I was at MCI. hard working and considered her sales position as her own small business that she was managing. Amazingly. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. They were men and women of different races and backgrounds. As an example. and he needed a couple of days to 150 . who he missed that had passed away about a year before. I was managing a staff of 8 sales people who all had extremely different personalities. She was self motivated. He was always late. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). out sick. from being a salesperson. I saw from past managers that I have had. During that time. that one of the biggest problems in how they managed was that they had a uniform way of doing things. that we are all different and had different needs. I worked as a manager for a short period of time. that same uncle died again. I knew first hand. or had an excuse for something going wrong. I knew she was a hard worker.

Think of a past problem you had with a specific person. Lifemoney Currency “Shared joy is a double joy. but it allowed me to really connect to my reps and form lasting friendships. So to get the most out of people and to win them over to your cause. He later thanked me for helping him. and at least once every day gave him a swift kick in the ass. Anyway. I treated him how he needed to be treated. Shared sorrow is half a sorrow. you need to know what their needs are. some I still have to this day.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook.People grieve. Be as specific as you can. Reflect on why that might not have gone exactly as you’d hoped and ask yourself the following questions: • • • • What were my preconceived notions about this person? How did they affect how I dealt with him/her? What could I have done differently? How could I respond better next time? 151 . Are you a people person? Few of us respond to every situation in perfect form. and told me that he needed that treatment to get him where he wanted to go. I micromanaged him. especially when it comes to dealing with people. Not only was this experience a financial success for me.

Success doesn’t happen by accident. For relationships to be mutually valuable you must build a bridge that goes two-ways. Step # 1: Be a Good Listener People want to be heard and understood. 152 . or rhythm. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. standing in the gap to close it for us. Get into the habit. The primary way we communicate with others is through conversation. When it is your turn to listen. there are lanes for incoming and offloading traffic. even dealing with people – especially dealing with people – requires proper planning. of preparing yourself to deal with people rather than doing so on instinct or history. do not speak.” -Oprah Winfrey Turk’s 12-Step Plan for Bridge Building You can think of this section as the 12-Step plan for building relationship bridges on your road to success. Lifemoney Currency “Every one of us gets through the tough times because somebody is there. Listen. everything.Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. Conversation involves someone speaking and someone listening.

advice or assistance. It turned out to be a win/win for us both. I will tell you a funny story about a job interview I once had. Smile. we did not get to discuss my history. At the beginning of the interview. When you talk to others. Keep in mind he found me so interesting and I barely said a word. Watch for opportunities to offer empathy. Again. 153 . I asked the interviewer a few key questions about himself and what had made him successful in his career. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position. people like people who like them. Everyone’s favorite topic of discussion is themselves. He was so excited to talk about himself and his experiences that at the end of an hour. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. it seemed as if we did not even speak about me. their needs and their accomplishments. Yet. not just another segue to a story about yourself. You can’t learn from them if you’re talking. Although I knew my resume would be suitable for the position. Try and put yourself in their shoes. Ask questions. find out about them. let them talk about their skills. Let the other person speak – while you LISTEN. If you really take an interest in what they are saying you might learn something. he took an interest in me. If you want to win them over. Because I took an interest in him. at the end of our meeting. listen with a reason. Step # 2: Take an Interest in People When you listen. this guy not only offered me the job.People To demonstrate how much people want and need to express themselves and feel understood. Be enthusiastic about what they are talking about and who they are.

brag or whatever they wish.Lifemoney Let’s say that you are a very good racquetball player. But you need to be genuinely nice. Don’t fake it! Did someone cut you off on the road? Maybe she was going to see her husband who has been injured in a car accident. In building up conflict instead of offering genuine kindness. Did they have a bad day? Was there a problem at home? The best way to turn a person with a bad attitude around is to be nice. Most people react in a negative way due to circumstances. the more they’ll learn by example and start paying you back– by listening to YOU. at first. They’re getting enjoyment out of reliving an experience or sharing an insight. and telling your stories. Let the person tell the story. and someone you are talking to tells you about a game of racquetball they played. Have faith and patience that the longer these relationships last. If this sounds fairly one-sided. Try it and see how it works. you don’t have to interject your knowledge or skills. it might be. Let the other person feel important and appreciated. Step # 3: Don’t Undermine – Understand It’s easy to criticize. But the funny thing about building these bridges is they work both ways. but it’s much harder – not to mention more important – to try and understand why people make the mistakes they make or take the actions they take. the more two-way they’ll become. The more you listen to others. Some people are just genuinely grumpy or mean – but these people are not the majority. you only aggravate yourself. 154 . Even though you can relate to the story because of your expertise. The gift you are giving is worth far more than anything you might hope to gain from turning the focus of the conversation to you. Don’t take that away by changing the subject to you.

Maybe you weren’t feeling well. On the way to work you get stuck in traffic due to road construction. Wouldn’t it have made all the difference if your boss had expressed some understanding with a comment about how your usual reliability made him suspect a problem? Step # 4: Give And You Will Receive Get people believing in their dreams and help them along the way. Then the boss yells at you for being late. “You saved my son’s life.” said the nobleman. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved.winstonchurchill. even though you typically arrive on time.People Think back to a bad day you had recently. The following is a very interesting and true story of paying it forward that was taken from the Winston Churchill web site at http://www.cfm?pageid=102. Farmer Fleming saved the lad from what could have been a slow and terrifying death. “I want to repay you. a fancy carriage pulled up to the Scotsman’s sparse surroundings. He dropped his tools and ran to the bog. while trying to make a living for his family. One day. Maybe you got up on the wrong side of the bed. The next day. was a terrified boy. screaming and struggling to free himself.” 155 . mired to his waist in black muck. Crazy things happen when you reach out to people and pay some kindnesses forward.org/i4a/pages/index. His name was Fleming. he heard a cry for help coming from a nearby bog. There. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. and he was a poor Scottish farmer.

Mary’s Hospital Medical School in London. 156 . Farmer Fleming’s son attended the very best schools and. and went on to become known throughout the world as the noted Sir Alexander Fleming.” And that he did.” the Scottish farmer replied waving off the offer. the farmer’s own son came to the door of the family hovel. I know it is because I never really made a true attempt to focus on remembering them. His son’s name? Sir Winston Churchill. I can’t accept payment for what I did. At that moment. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. “Yes. and it’s a little bit insulting.” the farmer replied proudly. Let me provide him with the level of education my own son will enjoy. the discoverer of penicillin. in time. The name of the nobleman? Lord Randolph Churchill. “Is that your son?” The nobleman asked. graduated from St. If the lad is anything like his father. What saved his life this time? Penicillin. he’ll no doubt grow to be a man we both will be proud of.Lifemoney “No. the same nobleman’s son who was saved from the bog was stricken with pneumonia. “I’ll make you a deal. Years afterward. This not only looks bad. but I think people can tell when you don’t remember their names.

the value of the proposed deal. One idea is to repeat the person’s name out loud a few times during the introduction. the intangible benefits of having their name 157 . For instance. Where do you work? Is that right? Sounds interesting. it’s easy. they will be interested in helping you in exchange. but I will stress what’s in it for them: a great rate of return. Let’s talk about that sometime. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. “Nice to meet you. nice meeting you. Brian. Again. Let’s say for example that I need help with financing a business deal that’s important to me. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. These little tricks work amazingly well and are well worth the time it takes to practice them. “glad Brad. Brian. you might think “sad Brad” or if they look happy.” Another popular technique is to associate their name with something visually unusual. If their name is “Brad” and they look like Brad Pitt. But if they look like they’re very tired and sad. When I approach a potential investor I’m not thinking “how much can I get?” but rather “what does this person want and how can I give it to them?” During the course of the conversation I will ask for money. How do you do that? Ever hear the term WIIFM? It’s “What’s In It For Me!” Most likely your best bet in getting help from someone is to show them what they are going to get in return! I think about this all the time when I’m trying to influence people to help me.” You get the idea.People I would suggest you develop a system that helps you put greater effort into this huge priority.

inferior. All you will do is make the other person feel bad. If a friend is remodeling a kitchen. they would have behaved differently. a case of beer or concert tickets. energy and commitment – will be that much greater if you provide people with something they want. That only happens in courts in front of judges. For what? To win your point? Is it worth it? Will you really feel better? Do you think you can change the other person’s view? Think about a recent argument you had with a spouse. The winner of an argument in real life is often the loser in the relationship. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. …you get the idea. but the level of intensity – time. a coworker or a friend. I’m always thinking “what do they want. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. Those few hours spent pounding nails or carrying lumber might turn out to be the best investment you ever make if your friend has some useful tips or suggestions for helping you reach your goals more quickly. and how can I give it to them?” I am not saying you can’t get help any other way. when they did help. the fun we can have together as a team. whether a free meal. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. Remember that getting the support you want depends in part on providing others with what they need. Who won? What were the stakes? What were the consequences? Would the outcome have been different if you had not let the situation escalate? If hard feelings resulted. stupid and embarrassed. how 158 .Lifemoney associated with the project. too. offer to help.

Disagreements on the other hand can be powerful sources of new information and a chance to grow. Think about someone in your past that pushed unwanted advice on you. Speak from a calm center. 159 . people argue because they are hurt. Arguments. I make a big distinction between arguing and disagreeing. particularly defensive and mean ones. and even then be careful. Didn’t you just hate to hear that person’s voice on the phone or see her face at the door? Don’t become one of those pushy. Don’t brag. aggressive individuals that think they know it all. Don’t speak out of anger. be self-controlled. Step # 8: Think Before You Speak In any discussion. Don’t act rashly or lash out. don’t tell. Keep in mind that everyone is born equal and deserves to be treated that way. Wait for your opinion to be asked before shoving it at someone. Often. Show. Relax. do nothing but harm. upset or just want to communicate with someone they care about. Don’t give advice unless it is requested. no one is impressed. Let others mention your accomplishments before you do. even if it’s negative communication. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. Always try to look inward to the core issue. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. be it personal or professional. Think your words through.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments.

Some of those mistakes will be at your expense. Shake hands firmly and introduce yourself when around new people. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. but it’s extremely important. Take courtesy even further. A few sincere words written in a card or spoken with a smile can go a long way toward making someone feel that his or her efforts are valued.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. This may seem like a small thing. Don’t cry or whine over any of this. but we all have problems. Look people in the eye and give them respect when you speak to them. even after working hours of unpaid overtime. To get along in this world without becoming an irritating whiner. Step # 10: No Whining Allowed No one likes a whiner. What make yours so special that you should complain loudly? Don’t tell your problems to people unless they are directly involved with the solution. Or you might have helped a coworker with a difficult project. but received no sense of appreciation. From time to time you may even take the blame for something that isn’t your fault. Always say please when asking for something. lower your expectations of others and increase them for yourself. but he never called or wrote to say thanks. You would be surprised how far all of this will take you in building relationships. Just remain calm and don’t shoot your mouth 160 . And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. It makes a deep and lasting impression that money can’t buy. Everyone makes mistakes and will disappoint you at some point. It’s not that your problems are unimportant. Can you look back on a time when you did something nice and the person didn’t even mention it? Maybe you mailed a gift to a relative.

Would you want someone to take your most valuable asset away from you? I learned this the hard way when I was first starting out in sales. being late is a sign of disrespect for someone else’s time. time is their most valuable asset. 161 . You never know when you might have to go back the way you came and deal with that person again under better circumstances. I know this is extreme and there are times when being late can’t be avoided. Also. If you can’t be trusted on one issue. As I mentioned. I had an appointment with someone and I showed up 15 minutes late. Step # 11: Your Word is Your Bond Do what you say you are going to do.People off and burn bridges. to a successful person. but this true story illustrates how sensitive some people are to lateness. The person that I was meeting came out and told me that he would not meet with me and would not do business with me because I was late. more opportunities will be sent your way. The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. Your word means everything. Even if it is just to arrive to a meeting at a certain time. When people know you are dependable. especially in business. chances are your credibility will be shot for all that you do.

Problem people often hide in plain sight.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. while your reputation is merely what others think you are. put you down or turn you off. To get rid of the people who will hold you back. but you have to put first things first if you ever plan to reach your goals. If you don’t like 162 . It’s not that you can never enjoy recreational time. It could be a friend who is always cooking up a crazy idea that never gets out of the starting gate. My uncle once told me that life is like a bus: you get on the bus with thoughts of going somewhere but you always have the opportunity of getting off. because your character is what you really are. They may be hardheaded bosses who refuse to think out of the box. like fishing or playing cards. don’t be afraid to cut ties totally.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. or that costs you plenty when it does get a running start. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return. They might be an older brother who sets a bad example with his drug use or gang activity. If it’s someone who is really just negative and brings you down. politely let them that you will get in touch when you have time. They can be so-called “pals” who don’t believe in you. You probably already know who some of these “avoidable” people are. or who tell you to give up because you have more important things to do.

or they may be a total stranger. In fact. 163 . for every troublemaker you tell to hit the road – or get off your bus – make sure to pick up a motivator or two as a replacement. Just as you must get rid of the people who will drag you down. They’re a little harder to find. Either way you’ll know these motivators because you’ll feel an instant attraction to them. It might be a mentor who leads by example or.People where the bus is going or you changed your mind in the direction you want to take – get off. you must also make room in your life for the motivators. the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. They might be a good friend who listens while you describe the goal you want to reach. if they’re far away. A motivator can be anyone who trusts you to follow your dreams. make sure that you’re always riding the right bus for you. cling to them. it’s simply a move in a new direction. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. seek them out. Either way. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. If they’re nearby. as well as your plan for getting there. And the more you hunt for them the more they will be attracted to you. It’s not quitting if you’re the one doing the choosing. quite literally. Find a new bus or another means to get there.

Lifemoney Lifemoney Currency “Get around the right people. Don’t move off to try another one until you’ve seen results with the first one. In fact.” -Brad Turk 164 . What’s the best way to learn them? Choose any one of these and use it today. keep using it until you don’t think about using it anymore because it’s so natural. Lifemoney Currency “One skill you act on is better than 12 that you don’t. Associate with positive. I try and use each one of these on a daily basis and have come to rely on my people skills to make many good things happen. Then magic happens. This is the best way I know of to master this list.” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson. goal-oriented people who encourage and inspire you.

_____ 6. I keep to my word. I try to stay calm and avoid arguments. Lifemoney Currency “Find people to make up for your lack of know-how and. _____ 5. I understand the value of tolerance when dealing with difficult people. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. although I can politely disagree. I always remember the “what’s in it for me” rule. I make efforts to express appreciation and good manners to others. _____ 2. and then tally your score. and I often make efforts to give without expectation of receiving anything _____ 4. _____ 10. A huge part of receiving is giving. eventually. I am taking an active interest in people _____ 3.People Millionaire’s Checklist: Check all the items below that you agree with. I have a good sense of which people to pursue and which to avoid. I am learning to be a good listener. you WILL know-how. _____ 7.” -Brad Turk 165 . _____ 8. I don’t whine. _____ 9.

whether you believe you will or you won’t – you’re probably right.Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones. a well maintained attitude and a “no excuses” outlook. This talks about some of the things I’ve found useful in creating a positive mind.” -Willie Nelson Overview Someone once said. you'll start having positive results. What you believe you’re going to get in life is pretty much what you’re going to get. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction. Where’s Your Head At? Which of these statements sounds most like something you’d say to yourself: I am going to reach my goals and fulfill my dreams! or I am going to try to reach my goals but it’s going to be hard because… 166 .

you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. her money. It appeared that everything annoyed her and she was never happy. If you focus on the negative. I was amazed to see how miserable she was. On the contrary. Her father had been an executive producer of some very well known films. 167 . The Multi-Millionaire Blues A good example of how attitude. He was both successful in his field and wealthy. happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college. it appeared she had everything that a person could want. I don’t know if it was her beauty. or the fame of her dad but everyone in school wanted to be near her. When I finally had the chance to meet her personally.Positively Thinking Do you believe you can reach your goals. or do you think that it probably won’t happen for you? This question is like a fork in the road. if you focus on the positive. and whichever direction you take in your mind will probably dictate your destiny. I saw her complaining everyday about what I thought were very trivial things. I could not imagine with all of the advantages she had been born with that she would not appreciate and enjoy each day of her existence. From the outside looking in. believe that it can happen and know that you have what it takes to make it happen. You just have to know that you’re heading in the right direction. I figured she would have far fewer worries than other people! In getting to know her. As a general statement positive thinking plays a powerful role in helping us achieve what we set out to do. you create road blocks that stop you from achieving your goals. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer.

It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. do. They complain about all the ways in which other people or circumstances are standing in their way. you do have complete control over what you choose to think. Maybe you will be the one family member who can show the others that success is possible? That would be a wonderful Lifemoney gift to give them. and say. But it all begins with your outlook and your willingness to do what it takes to get out of the rut and mentally move in the direction of the finish line. It’s not what you have but how you perceive things that really counts. focus on what you can do. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. So don’t worry about what you can’t do. Though you have no control over the actions of others. You might feel as though you are destined to continue the long line of defeat. “He’s the reason I can’t get ahead” or “If that hadn’t happened I would be rich by now” are just excuses for not taking responsibility for their own lives. But you may also have skills and opportunities for turning the game around and coming out a champ if you will only take the time to believe in who you are and who you will become if you reach your goals. what you attract into your life and your ultimate success. Maybe you come from a family with many losers and too few winners. 168 .Lifemoney I stayed away from her negativity and did not associate too much with her. I heard a few years later that she had attempted suicide. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness.

I was able to become wealthy. Change the channel and play the role starting now. I want you to understand that you’re holding the remote in your hand to switch to that channel. there is nothing stopping you from becoming all that you dream of becoming.” Your mind is yours. It starts in your head with your mental remote and plays out in reality. What makes you different from any other human being? Nothing! You should be able to attain all the things you want in life including your dreams. How do you work this “mental” remote? If you act like you are already successful the achievements you want and deserve become a near certainty. STOP! Forget the excuses! If you grew up poor – good. In America. You have the resources others don’t have. You have even more desire to do better than others may have. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. so use it positively. you better change your mental channel. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back.Positively Thinking Practice turning negatives into positives. If you feel yourself beginning to argue with me. Lifemoney Currency “Just can’t live that negative way…make way for the positive day.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. If you grew up wealthy – good. If you catch yourself repeating the complaints above. You dream 169 .

List five failures that caused setbacks in your life. but he said that all the intense effort and workouts did not give him the extra edge that he needed. He visualized it. and guess what? It’s yours. 170 . Get your mind on the right channel and the body will do its part to follow the plan. Failing does not make you a failure if you let it teach you lessons. you have a smart plan. and owned the feeling of a champion. you implement your plan. took it on as his personal goal. Arnold Schwarzenegger went into every competition thinking he was the winner.Lifemoney it. that had to be coupled with hard work and long hours in the gym. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. This attitude and confidence spread and led everyone else to believe the same. Do it and watch how your outlook brightens. and explain how you will avoid one of those failures in the future. Failure can be a very positive experience if you dig through it to find a good lesson. write down a lesson you learned from this failure. Goal Achievement Exercise T Take out your Workbook. This is the way you turn negative experiences into a positive ones. Also. It was the mental focus on all that he did that made him the best in his field. you work hard to get it. Obviously. The mind rules over every part of the body.

go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success. If you want a piece of the action. Understand that a positive mindset happens first. but it does happen. Negative people complain about things and positive people fix things.Positively Thinking Lifemoney Currency “Many of life’s failures are people who did not realize how close they were to success when they gave up”.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking. Looking back have you been a complainer or a fixer? If you had it to do over. how can you use that knowledge to help you in the future? People don’t just fall into piles of money or get yanked into auditoriums to receive awards. a Donald Trump in real estate or a Jay-Z in the studio. It usually doesn’t happen overnight. They have a mental certainty that what they’re doing will lead them right to where they want to be. Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by. would you handle things differently? If so. -Thomas Edison Don’t Complain . Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 . Which have you been? Be honest with yourself. Rather they give years of their lives charting a positive course and expecting greatness.

did a previous employer offer to pay the tuition for you to return to school. Positive thinkers are always focusing on ways to positively impact their world. These are all signs of a distressed and negative mindset. but we can control our responses to them and the actions we take as a result. Instead of whining about what you don’t have. How do you do that? You’ve heard me say that we cannot always control the events in our lives. and never feel played out. especially if it was a thought that stopped you. stay open and be ready to jump into action. like drawing.Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. Is stress holding you back? Stress is often closely linked with a negative mental attitude. and a role model. but you didn’t go? Perhaps you thought “I’m too old” or “I don’t have the time right now”? Maybe you failed to follow up on a special talent or skill. If you want people’s attention. Why? Negative thinkers typically think that they’re stuck and will be miserable forever. 172 . People are much more likely to admire and support you if you adopt this mindset in your everyday life. The solution is to stop complaining and fix your attitude. start looking for what you can get. and get frustrated. Begin using positive thinking to search for new ways to impact your life. get it in positive ways by becoming an encourager. Begin positive. that a former teacher encouraged because you secretly had no confidence in your ability. Make a mental note not to miss these kinds of opportunities again. The same is true about anxiety. an inspiration.

Include options like going back to school. That’s a great first step in positive thinking. Make the list with a new sense of optimism and hopefulness. These could include lost academic. Lifemoney Currency “Attitude is a little thing that makes a big difference. or relationship opportunities. Make a list of opportunities from the past that were missed due to negative thinking. When you’ve completed this list. This list is very important in your Lifemoney process because it points out potential areas of negative thinking you’ve engaged in and will need to steer clear of in the future. cultivating new relationships (or restoring old ones).” -Winston Churchill 173 . employment. anyone can start from now and make a brand new ending. make a new list of potential opportunities for the future. overcoming a bad habit.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. developing new skills.” -Anonymous Goal Achievement Exercise U Take out your Workbook.

Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. I never had a crisis that didn’t make me stronger. Often when we look at successful people we only see the end result without understanding what they had to go through to get where they are today. who minus sight and hearing became a model of inspiration to others. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life.Lifemoney The Key to Success? Live Out Of Your Car Positively thinking is about believing in yourself enough to do anything! What do the following tremendously successful people have in common: Hilary Swank. Some famous examples include Beethoven. Positive thinking sets them on a course for achievement. Helen Keller. football coach. or at least their little piece of it. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. and even a modern example like Hilary Swank who after getting fired from Beverly Hills 90210 for being a bad actress went on to win 2 Academy awards.” -Lou Holtz. whose deafness did not stop him from composing classic musical compositions. broadcaster 174 .

Positively Thinking Worst Case . so you’re already way ahead of them. What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. Think about something that you are afraid to do because you think you might fail. most people in your audience would rather die than speak. Lifemoney Currency “The only disability in life is a bad attitude” -Scott Hamilton Keep It Moving Unlike a great speech where you get immediate feedback. so what? Who cares? Besides. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. who is going to think twice about your errors after they arrive home that night? It would never happen. So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. many of our efforts don’t bring immediate results. Then take on life without apology or embarrassment.Best Case Try this experiment to create more positive thinking. And if they did laugh. Most people don’t remember what even great speakers say! Besides. What’s the worst thing that could happen if you failed? Is that really that bad? Would you get over it if not immediately than eventually? Let’s say for example that you were afraid to give a speech in front of a group of people. Don’t be intimidated by life situations like this. You may submit a proposal and wait months before 175 . Instead think in terms of best case/worst case.

Everyone faces down times. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. productive and get something done? Eliminate Negative Self-Talk A huge part of controlling a positive thought process is by eliminating ongoing negative self-talk. lack of feedback can lead to negative thinking. Do you ever catch yourself saying negative things in your head? It’s human nature to soak up some of the negative energy surrounding us. 176 . unrewarded accomplishments often lay the foundation for building to higher levels of achievement. She’s probably like all the others.Lifemoney getting a reply. Without those first small steps there could be no end result worth noting. Think of it this way: you’re going to have to spend the day in some way. This relationship is going nowhere. It’s time for a change. Unless you’re prepared to wait. The way to get over them is to keep it moving until something positive does happen. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. why not be positive. Teach yourself to stay positive even if nothing great appears to be happening and keep it moving anyway if it is helping you reach your goals. Stay positive by remembering that lesser. Had I let negative thoughts overtake me during times when it felt like I was not getting anywhere I wouldn’t be where I am today: a self-made millionaire still young enough to physically and mentally enjoy my success.

Really look carefully at these statements for a moment. especially if others are telling you it won’t happen. it may seem unreachable at first. or climbing to the top of your profession may seem unachievable at first. the faster your mind will change into a direction that goes forward. trying to get into graduate school. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. But that is the time to push the envelope to reach your dream. I’m going to call her and plan something exciting. Are they entirely accurate – or just knee-jerk reactions to momentary troubles? It might simply be that the relationship is too new for either person to know where it’s headed. going back to college at 40. Create a Repeatable Success Thought When you set your sights on a distant goal.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. For example. 177 . The idea is to simply stop thinking negatively and to find something good to say “yes” to. We ought to try a little longer in case this turns out to be something good. The key is to quickly counter the negative talk the instant you recognize it. They rob you of positive energy and momentum. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. Or maybe the girl has a habit that reminds you of someone you used to date.

” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence. To avoid negative self-talk and track negative thoughts. Don’t write long sentences or anything that is too short or vague. write down positively phrased replacement terms you can use as success thoughts. and repeat it often. I will take my wife to Hawaii next year.” (Too long and detailed) 2. Goal Achievement Exercise V Take out your Workbook. “I plan to stop spending too much money and will close all my extra credit card accounts and only carry cash when I go shopping. Make your success thought as specific as possible. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1.” (Too short and vague) 178 .Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. the sooner you will believe it. Nothing can block my success. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. The more you say it. Be specific and limited. I do not need second helpings. I call these “success thoughts. I will speak up at today’s meeting. “I’ll stop spending.

Lifemoney Currency “Anything is possible. Everyone makes mistakes. specific and helpful) 2. and you have to fight. “I won’t charge more than $50 weekly. detailed and valuable) Use your imagination to come up with more positive statements like these.” (Positive. but you have to think positive. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. When you fall down. “I’ll use just one credit card. Instead.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. update the success thought for a related goal.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. After a few weeks. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. such as. pre-recorded message that reminds you to stay on track.Positively Thinking These thoughts are both non-specific and vague – You’ll stop spending for how long? Forever? Neither of these statements will be particularly helpful in the real world. it’s how you view them and what you do about them that matters. 179 . but the important thing is to think positive. “I’ll pay my balance each month.” (Positive. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance.

Give thanks and be happy! Lifemoney Currency “He who has so little knowledge of human nature as to seek happiness by changing anything but his own disposition will waste his life in fruitless efforts. Think about the things that are positive in your life.” 180 . Don’t let anything keep you from getting it. remember that you are responsible for how your life turns out.Lifemoney Don’t let past failures hold you back. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains. Although others may have held you back at one time or another or you may have to seek help to reach your goal. Keep focused on what you want.

I keep moving ahead even though I’m not getting immediately rewarded. proactive thinking. Lifemoney Currency “Some view the glass as half empty. I refuse to hold on to negativity and past misbehaviors. I can see how past accomplishments have prepared me for the future. _____ 3. I am making consistent efforts not to complain. with the waiter on his way over to fill it up. _____ 8. I will act as if I’m in the role I want to play. I will continue viewing myself as a winner. I am learning to manage personal and job-related stress by positive. _____ 7. I am watching for opportunities to say yes to. some view the glass as half full.Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. _____ 6. _____ 9. I view the glass as half full. I will not let others’ pessimism interfere with my plans to reach my goals. to fix my situation. _____ 1. _____ 5.” -Brad Turk 181 . giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 4. I repeat success thoughts to myself as often as possible. not a loser. _____ 10. but rather. and then tally your score. _____ 2.

it just doesn’t come naturally. I forget all of the things that have broke. If we could find a way we’d have it yesterday. But I have broken 35 bones. Not true. We want it now. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. I had surgery 14 times to pin and plate. When you recognize that sacrifice is frequently a part of success.” -Evel Knievel Overview Few of us do well with sacrifice.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. Successful people know that dreams don’t come pre-packaged overnight. 182 . I shattered my pelvis. They say I have broken every bone in my body. it turns denying yourself into investing in yourself. We want it all.

store or business. sacrifice is often a part of any success story. This much I can tell you. would you? 183 . It cost him $175. Ask filmmaker Spike Lee. but I can tell you that Spike would probably say yes. grateful for the opportunity to have all the work they can handle. sleeping just a few hours a day.000 in sales. Some work two and three shifts for years at a time. Go into Debt and Max Out Your Credit Cards Are you willing to max out your credit cards and assume massive debt to get where you want to go? Before I go any further. saving every penny to open a restaurant.100. Was the sacrifice worth it? You’d need to ask him. some become millionaires. They are simply unwilling to sacrifice anything to get where they want to go. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants.big time! Big or small. In 1986. Within a generation.Sacrifice Borrow. Yet. off the ground he did just that. you have to make those kinds of sacrifices.000 in domestic box office sales. I will tell you right off the bat that I wouldn’t be.000. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying. rigorous job to get where they want to go. to get his first film project. Spike Lee knows that sacrifice can pay off . Since then Spike Lee has produced at least 22 other films that have made over $433. there are people who were born in this country who complain about the lack of jobs. She’s Gotta Have It. They lay everything they have on the line. But if that was the only way. It’s a real risky strategy but sometimes when you believe in something strongly enough. Many immigrants come to this country with nothing but the shirt on their backs. Why? Because they work hard.000 to make the movie and it grossed $7.

took a job as an insurance salesperson straight out of college. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. Ask yourself the following questions: • • • • What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. Pulitzer Prize winning political cartoonist. 184 . at almost any cost. There were no shortcuts to success. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. Lifemoney Currency “Judge your success by what you had to give up to get it. to reach out and grab your future? • Just how far are you willing to go? It’s vital to answer these questions and know these things about yourself. He had to sacrifice his nights and his only free time in order to get where he wanted to go.” -Dali Lama Sacrificing for Success Mike Luckovich.

You have to be willing to do whatever it takes to claim them. List the tradeoffs you are willing to make to reach one of your goals.Sacrifice Martin Luther King.. have. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. or he might have gotten discouraged and given up. Jr. Goal Achievement Exercise W Take out your Workbook. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. or is your goal just a casual want? Only you know. Ideals are not cheap.. if becoming more physically fit is one of your goals. and/or enjoy that you are willing to part with in exchange for your goal. But he stuck with it. What do you have in your life now that is expendable. list three things you now do. your sacrifices could include six hours of your time each week for daily workouts. and I can’t make up your mind for you. Choose one of your goals and write it out. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return. 185 . and giving up your weekly poker game to play tennis. Below the goal you just wrote. He could have taken the easy route to avoid jail time. For example. spent months in prison rather than surrender his belief in equal rights for all people. and you will have to be ready to give it when the time comes. However. improving the lives of millions of people. etc. $100 per month for a gym membership. which you would be willing to exchange for something even more valuable? Is it time? Money? Resources? Possessions? Relationships? Only you have the answer to that question. They are costly and precious. I am committed to helping you get where you want to go.

you eagerly add a few dollars here and there to save up the needed amount. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. Have you ever planned to buy a special gift for someone? You may set aside every extra penny you can get your hands on in anticipation of buying that present. you proudly go out and purchase the gift. when you do reach your goals. there would be no effort or cost attached—and they would mean very little. presenting it to your friend or loved one with a sense of tremendous accomplishment. They’re both chasing the same dream: business success. You can view your goals in the same way. Whether it costs $20 or $200.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. If you could just reach out and get them today. Which one do you think 186 . Imagine a scenario of two young women. One is given everything by rich parents who buy her everything she needs and most things she wants. But after years of careful thought and unwavering perseverance. they will mean the world to you because of what it cost to reach them. When you get enough.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. Success has value because you have to work for it – you earn it. Ten years later they both have good jobs – the first in her own company funded by her parents and the second in her own company that she scraped together every penny to start. But as we’ve seen that’s not always the case.

write a book. Period. money. or run into problems. or do you have more of a take-it-or-leave-it attitude? The importance you attach to your quest will determine the amount of energy you will spend to reach it. Why does she appreciate it more? It’s common sense that when you pour out your own blood. Find the non-essential time-eaters in my life and eliminate them. sweat and tears for something you’ll own it in a way that nobody else can appreciate. Seek help when I get stumped. Invest a certain amount of income toward reaching my goal(s).). Develop a needed skill through a second job. You’ve probably heard the saying. have a question. Are you ready to figure out what it will cost in time. or taking a class. and sacrifice to reach this goal? Here are some of the possible “costs”: • Give up an hour or more of sleep to work on my plan (get fit. • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. you have already begun to outline some of the goals you hope to reach and have created a plan to get there. “anything worth having is worth working for. etc. 187 . But no plan is complete without counting the cost of reaching your objectives.” Do you feel that way about your road to success.Sacrifice appreciates the success more? You know the answer. volunteering. In planning for your future. That cost is part of the joy of success. Put less important things on hold. at least temporarily. Get feedback from those who already have accomplished similar goals.

but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. 188 . you will have enough for today and tomorrow.” -Sidney Howard Number 2: Delay gratification Sociology experts tell us that one of the differences between the lower class and the upper class is the ability to delay gratification. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. But if you save and invest it. If you spend all you have. The wealthy will have enough from current savings and investment plans. too. but less than twenty percent of the population do so. there will be nothing left. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. What percentage of your daily schedule do you devote to working toward goals? Are you so preoccupied with getting by today that you haven’t given much thought to the days that will follow? You really must plan on setting aside between three and six months’ of income in case of a job loss or disability. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals. It’s a simple fact of life. Underachievers live for the day and overachievers live for the future.

Instead. or at the end of the month.Sacrifice Delaying gratification is something you get used to. Then underneath each item you expect to give yourself today. This might challenge you and be a little difficult. eat some ice cream. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. List two or three fun things you want to do today. we collect paychecks every week. watch your favorite television program. 189 . go shopping. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. almost any achievement in the world will become immediately more achievable. Often we don’t find out about a medical test result for several weeks. Do this exercise well and discover how much more you get done and how much better you feel. List one or two tasks you will have to complete before you get your reward. All of these things take patience. etc. In other words we’re doing it anyway. Goal Achievement Exercise X Take out your Workbook. Let’s build your ability to delay gratification. For example most of us don’t get paid for our work at the end of each day. play tennis. which in the end brings it own kind of reward. list something you will get done before you have your fun. every other week. Make sure that those things on your list are things you really want to do. It might be go for a walk. When you think about it. many areas of our lives undergo postponement. When you have successfully conquered the need for instant gratification.

Many goals that seem hard at first become easier once you get momentum established. so you will never miss the amount of each savings account deposit. So do it. Devote fifteen to thirty minutes several days a week to your goals. say $25 per month. this could involve reading. You may be reluctant to open a bank account. But actually. and it may seem difficult at first to find enough extra income to make regular deposits. But with a little effort. The same is true for working toward your future goals. pulling the trigger and going for it. and social activities. Most of us lead busy lives.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. especially if you begin with a reasonable amount. making community contacts. Just do it. the results will come. then I can expect halfhearted results. setting aside time for future rewards is like making deposits in a savings account. you can arrange for a direct deposit straight from your paycheck. I don’t do things half-heartedly. Finding time to work on long-range goals may seem impractical. family. doing 190 . We barely have enough time to get through a typical day with the demands of work. But you won’t know that until you pull the trigger and get moving. Start small. Depending on what you hope to achieve someday. Because I know if I do.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work.

But if you keep pulling the action and sacrifice trigger. Whatever it is you must give up. you may need to first attend some political rallies. visit with your representative. fully aware that not all of it will produce rewards. then you have to keep on doing the whole lot. For example. And keep pulling the trigger at each “next” level of achievement you’re taking. from the inside out. if you want to get involved in local government. Should it be a television program? An after dinner nap? You will have to decide what you are willing to give up in exchange for the time you need to work on your goals. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. of course. Remember that one of the keys to success is to learn everything about the role you want to play. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M.Sacrifice volunteer service. None of those tasks took a long time – but each one was a step toward realizing a goal. keep in mind that you may have to work through several levels of effort to reach them. do it. Life is a bit like that. you will be rewarded. Everyone has to pay their dues as they work. Pull the trigger already. This is the perfect summary of the frustration we all face when we finally act and begin the process of making sacrifices to reach goals: “Someone once said that ‘half of the money spent on advertising was wasted. Whatever your goal. that if you can’t tell which half. You put in 191 . His point was. Sometimes it seems unfair. Naturally. so pull the trigger now and get your show rolling. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen.’ but he didn’t know which half. or volunteer as an aide to learn the ropes. this means you’ll have to give up something in exchange for this valuable daily time.

” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure. I know it isn’t fair. You’re polite to people and everyone seems rude back. and others cruise it. you have to keep doing the 100% because you don’t know which bits will pay off. Lifemoney Currency “I wasn’t going to be one of those people who died wondering what if? I would keep putting my dreams to the test—even though it meant living with uncertainty and fear of failure. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work. The lesson is that you must continually give 100% effort in the direction of your dreams. and anyone with a dream must learn to live there. but then life isn’t. Well. Your efforts will be rewarded eventually. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. This is the shadowland of hope. but you’ll probably never know which efforts are being rewarded -.Lifemoney loads of effort and get nothing back.” This quote summarizes a great lesson I’ve learned throughout my successes.and which aren’t. It’s a simple lesson that has never failed to produce great results for me. You work up a sweat. It reads: 192 .or for what -. engraved there to inspire the youth of that school.

one of Ness’s fellow agents. if you build your Lifemoney. It’s not nearly as bad as you might think. and if you love where you’re going you can know ahead of time that you have a lot of pleasure ahead waiting on you. In addition. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. an Irish cop played by Sean Connery. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. no matter what the cost? That question hangs in the air several times during the movie as all the men do a gut check as to their willingness to take down the feared Capone. asks the scared and unsure Ness “What are you prepared to do?” It was a question of challenge in the face of great fear and intimidation. Good things don’t just happen to us. having been mortally shot. and someday my chance may come. Instead. Maybe they should. The good news is that if you’re in love with your dreams and want them so badly you can taste them. In the movie. Sacrifice is sort of the dirty word of success.” The emphasis is on the preparation. the work doesn’t seem like work. Are you prepared to follow this through. At the climax of the movie. Nobody wants to hear about effort and work and sweat. the whole process of success becomes easier. but they rarely do.Sacrifice “I will study and get ready. we have to figure out which ones we want most. and then force ourselves to work hard for them. then he dies. But show me someone who has achieved their dream without it. What are you prepared to do? 193 . Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. One of my favorite movies is The Untouchables. Those people just don’t exist.

sacrifice pays off.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. Keep your eye on the prize and focus on what you’re going to get in return. the payoff will eventually be seen. Only you can decide what you are willing to give up in reaching your goals. at almost any cost. No one likes to sit around wondering what he or she has to give up as an investment in a dream.” -Wayne Gretzky 194 . Be prepared to give up more of what you have to get more of what you want. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in. But if you keep putting in the effort. In the end. to reach out and grab your future? Don’t spend the rest of your life wondering what might have been. But don’t dwell on the negative aspects of “what do I have to give up?” Instead. focus on “what am I going to get in return?” Investments of time or money are long-term deals. and some require harder work than others. What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes. Most do not pay off immediately.

and then tally your score.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. I believe that planning for the future is as important as getting by today. _____ 7. I have calculated my goals’ financial costs and scheduling adjustments. I will put forth 100% effort at all times. giving yourself 10 points for each checkmark and 0 points for any left blank. I have identified several things in my life that I must sacrifice for success. _____ 4. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . _____ 5. I am prepared for life. I am willing to pay the cost that is required for me to meet my goals. I am willing to set aside less important activities to focus on my goal. Some of my goals will require that I hang tough. _____ 8. _____ 1. _____ 3. ____ 10. I am pulling the trigger on my talent today. I am learning to delay my gratification for both the present and the future. _____ 6. _____ 2. _____ 9.

196 . Yet our lessons come from the journey. not the destination. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. tension or frustration.” -Don Williams. By patience. It is the ability to let go of the need for immediate gratification. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results. I mean the ability to sit back and relax while waiting for an outcome. J Overview Having patience is a key ingredient to successful living.Lifemoney Lifemoney Lesson # 11: Be Patient and Enjoy the Journey “The road of life twists and turns and no two directions are ever the same. without experiencing anxiety.

When you force efforts. 5) If something doesn’t work immediately. unhappiness and sometimes even anger.Enjoy the journey 2) I will never get to all the things I have to do. which can be very destructive. 4) I hate having to do or say something more than once. from impatience. There are many negative consequences on health. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. Accept that you don’t need to rush things ahead of their time and keep the belief that your day to day efforts will pay off in the long run. 3) I can’t stop for even a second until I reach my goal. I have to be honest with you: I happen to be a very impatient person. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say. When you stress yourself to create results too quickly. the results just won’t last long. relationships and personal growth when you lack patience. jobs and friendships. you need to be patient and wait for your results. I’m going to move on to something else. you run the risk of anxiety. How do I differentiate the two? A sense of urgency is a good and powerful 197 . This can further result in losing important things like business relationships. without which you are going to suffer. 6) I just don’t know where to start . But I am careful to differentiate urgency. Gradual change and growth give you the greatest chances for success. It’s as if patience is a simple building block of satisfaction. This is one of my personal flaws that I am working on.this task has two many steps. which is a powerful force that gets things done.

Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. I told 198 . This is a struggle for me as it might be for you. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. If I’m not careful this can create impatience in me. If I can’t change or alter a situation. Mexico. For example when I take on tasks that are really time consuming (this book for example). I’d brought on an investor to put up the money for the deal. There is no way a sense of urgency can create the satisfaction of writing a best seller (let’s hope this will be) instantly because of the timeframes involved in the task. It’s a quality that helps me act quickly and get an enormous amount done.Lifemoney tool. And this is probably true for you too. It seemed as if I had finally worked out all of the points (including the pricing) and that all that was to go to Mexico and sign contracts. and don’t let the things I can’t control stress me out. urgency turns damaging and can lead to senseless and sometimes destructive impatience. How do you and I remain urgent without dying from impatience and anxiety? The big lesson I’ve learned is to focus on controlling what I can control. I can’t control those timeframes. Based on where I was in the process and the faith that I had in my contacts in Mexico. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. But when urgency is applied to things I can’t change. I have an unrealistic expectation of speed. I need to clear it from my mind.

he decided to partner with me and put up the $1. Based on the trust that I had built with the investor on past dealings.000 that was needed to get this project going. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . Outraged by what transpired. me not speaking a word of Spanish (or only enough to order dinner and maybe get directed to a bathroom) and no deal on the table. a partner who trusted me enough to put up that $1. I wanted this deal done. and then I left the meeting. When reviewing the numbers in this new version of the proposal it was obvious to me that we would lose money if we signed that deal. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. What was I going to do now? Go home with no deal and give up? How could I tell my investor what happened? Was I going to start from scratch after all this work in putting together this deal? What I did was relax. regroup and come up with a game plan. There was so much I had no control over. and patience was number one. It took all the Lifemoney lessons I talk about in this book to get me through this situation.6 million already invested in the equipment needed for this project. $1.6 million dollars. I noticed that they had changed all of the terms of the deal. When I sat down in my meeting and went over the paperwork that they had prepared. I flew down to Mexico for my big meeting and to sign paperwork. I immediately extended my trip from 2 days to a full week. So there I stood in Mexico.Enjoy the journey the investor where I was in the deal (just going to finalize and sign paperwork) and had given him the price points that were worked out. I picked up my things and told the company I was meeting with that I would look over their new terms.600.

Do something fun and celebrate your incremental success. I started making calls and finding out key contacts and setting up appointments. I would have never completed this deal that wound up being a very successful project for me. Why? Because I was patient and focused on controlling what I could control. reevaluate your objectives and make your goals more realistic for your needs. If you understand that success is a journey you will begin to enjoy each moment and will realize that being impatient is counterproductive and takes away from the joy of life. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. Get preoccupied with another task until you have results from the first.Lifemoney had met with. I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. • Stay busy. If your goals don’t seem to be on track. Look at the things you have accomplished to date. • Reward yourself for completing something difficult. I wound up getting an even better deal than I would have initially. Focus on the results and not the task. So what should you do to be more patient? Make an effort to keep track of the following things: • • • • Break large goals into pieces and focus on one piece at a time. If I did not have the patience to stick this out. 200 .

Here’s a very personal technique I rely on to help me enjoy the daily journey. Think of all the fun and excitement you will miss if you don’t savor every moment. We need to count our blessings and enjoy what we do have and make the most of every day.Enjoy the journey Enjoy the Journey The purpose of life is not to work hard for 40 years and be miserable so that you can retire at age 65 and enjoy the last years of your life. The 5 Year Test Another very effective technique I use is the 5 Year Test. If you do. Remember when you were a kid and you wished you were older? How many of you wish you were younger again? We always wish for what we don’t have and don’t appreciate what is right in front of us. I’ll realize today is beautiful and I should appreciate my health. Who said life has to be hard? It is only tough if you make it tough. Don’t take time for granted and let your life pass you by. When I am having a bad day. will I even remember it? How will it affect my life? Try it! Either take a problem that you are going through now or remember one from 5 years ago and see what came of it. For example. I find something to make me realize that it’s not as bad as I think it is. you will wake up and have missed out on what life really has to offer. You need to start enjoying a little everyday. I’ll think back to a time that I was sick in bed just wishing to be healthy to be able to be outside and enjoy a beautiful day. before you know it. Are your problems really as serious as you think they are? I think about my problem and imagine how it will affect me 5 years from now. In 5 years looking back at the issue. Chances are you will look 201 . You need to live today like it was your last day and plan for tomorrow as if you were living forever. I open the window or take a walk outside and enjoy it.

Don’t let one day pass you by without appreciating something that you may never have or see again. You will remember that in 5 years. it probably has no bearing on your life now at all. a joke. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. or listening to good music should be enough to keep us going and to get us over daily disappointments. that when you look back on. spending time with friends or family. Now. A good meal. Time moves faster than we all want to believe. list 2 problems that you are presently facing and put them through the 5 year test.” Do you remember your first break up? No matter how sad you were at the time. they seem unimportant. A death in the family is terrible and needs grieving. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. so we need to make the most out of our time. 202 . Getting fired from a job? That may be a blessing in disguise. List 2 problems that you have had in the past. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me.

lying there. And going home and having a wonderful sleep. So average. I figured he’d fly to Italy or have lunch with the President or romp on the seashore or try every exotic thing he could think of. a swim. friends over for lunch." Morrie replies. I was actually a little disappointed. going out to a restaurant for supper. Morrie.175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. at the end of the day what is truly important may be the simple. "That’s it. talking with people. unable to move a leg or a foot ..Enjoy the journey In the best-selling book. dancing. In a chapter entitled We Talk About The Perfect Day.. Albom asked Morrie a question: "What if you had one day perfectly healthy .What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea. Tuesdays With Morrie. 203 . "It was so simple.how could he find perfection in such an average day?" Then I realized this was the whole point" (p." he is asked. After all these months. a walk in the midst of nature. author Mitch Albom visited a former professor. "That’s it. Don’t overlook the obvious in your quest for the brilliant. unnoticed things we do all the time.

I think people are 204 .” -Brad Turk Appreciate what you have and don’t complain and make excuses. In other words. But I do agree that passion helps. It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated. the people who fail find excuses for why they can’t. it won’t feel like work. Think about a handicapped person who was born with a disability yet despite their struggles are making three times more money than you are because they are working smarter and harder. Don’t make excuses find solutions and make it happen. Some people complain about going to work when they work in beautiful air conditioned offices. In the process appreciate what you have and enjoy it. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. there is always someone with less doing more than you. I know successful people who are making it big in things they don’t care about. The people who succeed find reasons why they can do something. it is best to have a fire in your gut for what you’re doing! I don’t necessarily agree with a lot of successful people who say that if you don’t have a passion for something you can’t be successful. better yet.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else. Think about the person who is working outside in the heat.

Sometimes the ends do justify the means. But what if your job is the last thing you feel passion for? What if you are one of those people who has to put up with an aggravating boss. He hardly noticed the leaves turning colors outside his small window. There is a story about a young man who wanted to become a famous writer. Try to create an external world outside of your business that enables you to have fun. be stimulated and enjoy life…. I’ve worked in situations that I didn’t have the least amount of passion only because I knew that if I stuck with it I’d get something that I wanted out of it. see your job as your vehicle to get you someplace else. writing one manuscript after another and firing them off to the publishers in hopes of being accepted. long unwanted hours or working in a field that’s paying the bills even if you don’t enjoy the work? What are you supposed to do? I’ve never been a person that thinks you need “passion” for your job to get what you want out of life.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. But whatever you do. make sure you “Go out and live!” and don’t miss the beautiful things in life today because you’re so down about your situation. In fact. My suggestion is that if you have a good job for which you don’t feel a lot of passion. Day after day.and create some financial success that can free you. he locked himself into his attic office and plugged away. Then one day he 205 . Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. If you can’t stand doing what you’re doing. You can do that. then look hard to find something you’re passionate about and consider a career change now.” At least that’s the way I am.

List 5 things that you are going to do to ensure that you are enjoying your journey through life. But it had cost him far more than he had ever imagined.m. Walking through one room after another.” Ironically. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. the object is to make your life enjoyable. Again. The moral of this story is that success by any means doesn’t always “mean” success. the man. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money. the man went downstairs and was amazed by the quiet that filled his whole house.. they were all empty of his family and furniture. If you are stiff and focused on a goal and have such blinders on 206 . Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. Renew your energy. in checking the mail. and have moved out. found a publisher’s letter saying that his book would be published. It could be a ten minute break to get a cup of coffee and stretch or it could even be a week off to take your mind off things and have some fun. Don’t stop yourself from relaxing and recouping.Lifemoney waited for his small daughter to bring up the mail. Better luck with your novel. As he got angry when she did not bring the mail at exactly 2 p. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to. now middle-aged. Goal Achievement Exercise Z Take out your Workbook.

It goes by both very fast and very slow. play hard.Enjoy the journey that you are letting life pass you by. This much I know: success without enjoying your journey through your days is pretty worthless. Lifemoney Currency “Enjoy life. Take the time to smell the roses.” -Anonymous 207 . You need to have a balance. and how to really enjoy the ride. My motto is work hard. I want my rewards as I go along. the small everyday things are the things you’re going to miss the most. you’ve gone a long way to deciding where to spend your free time. I don’t want to miss out on life to get my reward someday in the future. There’s plenty of time to be dead. and sometimes the answers you generate for yourself are wrong. Patience and Enjoying the Journey Summary Life is funny. you are missing out. If you’ve figured out what you’ll miss the most when you leave. because when you’re finally done and outta here. As life is moving by at warp speed we ask ourselves over and over again: How can I have the best life possible? It’s not an easy question to answer.

I believe my day to day efforts will have an effect in the long run. I will take time to stop and smell the roses. _____ 7. _____ 3. and then tally your score. _____ 2. I will not take for granted what I already have. I will take a break from time to time to rejuvenate and enjoy my life. I will not wait until it is too late to enjoy my life.” -Brad Turk 208 . _____ 5. I will have urgency in my work and patience waiting for my results. _____ 9. _____ 4. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 8. _____ 6. I will practice the 5 Year Test I will not stress over things I can’t control. _____ 1. I will break goals into pieces and patiently work on one piece at a time. and plan for tomorrow as if you were living forever.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. I will find something positive out of everyday. Lifemoney Currency “Live today like it was your last day. _____ 10.

101 Affirmations 209 .

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