Lifemoney

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

By Self-made Millionaire Brad Turk

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

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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.

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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....

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

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

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

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

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

Part self-help. Would you use your shoe? Would it work? Possibly. 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. be it a million dollars. yet most people don’t use the correct tools to get what they want. 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. Imagine having the task of hammering a nail. it’s not the dollar figure I define as Lifemoney that’s important. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve.400. if it’s money that you’re after. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 .000 a year or $2. it’s not the job that I feel is prestigious that matters.One of the most unique features of Lifemoney is that it’s entirely personal. In this book. For example.000 in quarterly bonuses. a new job or just a raise or promotion in your current job. part how-to. 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. a new home. part financial management. If it’s career happiness you’re looking for. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. it’s the dollar figure you define. It could be $240 a week or $240. it’s the job that makes you happy on a daily basis or brings you closer to your goals.

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

The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. 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.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. In this book. 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. 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. 4 . see what works for you and. While reading Lifemoney you will become familiar with these attributes.

Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. The higher your score – the higher your Lifemoney skill level. 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. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it. Clearly. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement. 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. Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs. there is more to life than money but you just can’t live in this world without money.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. 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. These proven tools are specifically designed to help you plot. What’s the answer? Lifemoney. I have created a list (that I use) of affirmations that you can also download for FREE at www. Everyone needs some kind of stimulation and/or support to keep their spirits alive. This checklist will help you quickly see if you are developing the skills that were discussed in that lesson.bradturk.com (Code: naNtZB).com. Repeat these affirmations to yourself when you need a quick boost. list and track your progress.bradturk. 5 .

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

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

New York. my mom and I had moved to Forest Hills. new friends and. You can always come back to me later). 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. I learned these lessons by reading books of successful people and from my peers. new neighbors. My Early Years I began life in the Pomonok public housing projects in Flushing. though. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. and by the way. best of all. 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. and no money. Mom didn’t let it stop her. In addition. That’s where I first learned about work ethic. It was a much nicer neighborhood. I won’t be insulted. (Oh. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. I got heavily into break dancing. but they usually have a lot of similarities. rapping and acting. When I got to junior high. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . 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. She kept right on plugging away with her 3 jobs. There were new surroundings.Lifemoney attributes. By the time I was in fifth grade. New York. and she was a tremendous teacher. 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. new opportunities.

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

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

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

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

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

Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. if you want to someday own a bar you should work at a few for a while to learn the business. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again.” along with my demo tape. For example.and the men and women behind the talent the producers.” I once sent a sneaker in a box to a record label with the note. The access I got taught me lessons I could have never learned anywhere else. BMG. picked me up and got me signed to BMG for distribution. The following year I released “That’s Evil Man” on ZOO Entertainment. learn it from the ground up. I figured if I sent a package.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. Door after door was being closed to me. But it’s all valuable. mixers. and access is one of them. my targets would be curious enough to open it rather than throwing it away. both the stars . It’s important to understand what you are getting into before you are knee deep. agents and managers. And always be resourceful. You might find it’s not what you expected it to be. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . If you want to learn a business. It paid off.the talent . For example my rap name was “Sneak. Basement Records. It worked. feel free to import ideas from wherever you can find them. a recording label. If you want to work in politics. There are more important things than money in this world. “I just want to get my foot in the door. 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. It was one of my earliest stabs at being resourceful.

Eventually it went to number 27. 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. 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. but in reality there are very few people that make it big – and make the big money. for more reasons than just getting airplay. full of rich stars and power players. While I enjoyed working in the music industry. In 1994. which I did. 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. But like 15 . 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. It didn’t stop there. 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. I was finally seeing a dream come true. The music business seems glamorous. actualizing my goals and watching them come to life. 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. Money provides those things. It is a difficult business to really make money. But the truth is making money is hit or miss and is more often just smoke and mirrors. It was an exciting time. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences. PolyGram Records. That’s a hard truth to see from the outside.” Next Plateau.

but it was apparent that I was a tremendous asset. 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. The branch owner wanted to train me to sell life insurance.Lifemoney most young people I didn’t understand what was going on. the branch focused on selling long-term care and retirement planning. I took over a job for a friend as an office manager for a life insurance company. I did not have a wife or family. I went so far as to get licensed to sell life insurance. I was interested in sales. I did not find that product to be a perfect fit for me or my personality. I figured if I spent more time on my part-time real estate job. Also. I saw that real estate was more suited to my personal goals at the time. 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. I decided to 16 . I could make even more money. Not to sound conceited. I understood the insurance office management job completely. And guess what? I started making more money working part-time than at my day job. I decided to make business decisions that would bring me closer to where I wanted to be. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. After leaving college. For one thing. In addition. 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. I decided to take my hustling a step further. Becoming successful. Unfortunately. so I pursued this opportunity. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically.

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

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

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

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

It was a lot of work but it has been gratifying beyond words. 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. Now I was a successful entrepreneur. 2007. I am doing what I love. set to launch in the fourth quarter. And I love it! Why? Because I’m sailing my own ship with no boss.My Lifemoney Self Made Records.com. / MyMusicSite. looking to blend business with pleasure. and My Music Site. although I brag about being retired. And what’s best is that I can afford to be patient.com Sometimes success comes full circle. I am now in the process of coding and developing 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. I signed some artists to my label and I am currently marketing and promoting them. I will make independent artist’s music easily available to their fans. Inc. I have been launching companies left and right. But I can afford to do this because I love it. friends and family while providing a marketing platform for them to make their dreams come true. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. Inc. in reality I’m busier than ever. Inc. but on my terms. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. with little to no risk and helping others all at the same time. I am sometimes surprised by all that I have accomplished in such a short time. That makes me happier than I can possibly describe to you. no limits and 21 . In 2007.com are both my hobby and business. For Self Made Records. Later I was a college graduate looking to intern for a major hip-hop record label. Self Made Records.

Lastly.com (www. break dancing on street corners and hustling for business opportunities.mymusicsite.com (www. The business is called Meeting ExpressO (www.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. In addition to being its creator.meetingexpresso. I just launched TellBrad. and snack items. I am also in development on another site called MyMusicSite. I will be selling and promoting online music downloads and cell phone ringtones for independent artists.com).tellbrad. In addition to that business. In addition. phone. I will 22 . We will make independent artist’s music easily available to their fans. specialty beverages. friends and family.com) and is a retail conference location /coffee shop. 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. Meeting ExpressO will provide full access to conference rooms which include internet. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”. satellite television. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future.com). and business services. 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. 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 providing a marketing platform for these artists who want to make their dreams come true.

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

John. Success is never a game of chance and begins with clearly deciding what you are going to make happen. as far as I know. has never cracked the seven figure mark and. 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. Still. is in no danger of cracking it anytime soon. two very different types of success stories. pure and simple. My first friend. These are the stories of two friends of mine – John and Steve . Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you.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.

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

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

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

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

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

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

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

Explain. read over your ideas. 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. in your opinion.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. skills. time. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off.com. Then start writing about your views on success.bradturk. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. set a timer for five minutes. Once you have this in place. so make it handy and easy to access. I am going to ask you to open this document on a regular basis throughout this book. or download a copy of the Workbook with all the exercises from my website – www. open a document on your computer. and edit if necessary to make them readable and clear. etc. asking yourself questions like these. 32 . You can use a three-ring binder. but more importantly. the hallmarks of success—money.

We all do.4 million. But you just did. too. at gambling venues. If you were handed everything you wanted without working for it. now lives on Social Security and food stamps: “I wish it never happened. Her total take was $5.2 million in the Pennsylvania lottery. It’s amazing how some people perceive money as the answer to all their problems. Ask the following people. Having come from a “no money” background. “If I only had money. they’ll tell you: • Evelyn Adams. after declaring bankruptcy. • In 1988.” 33 . “Everybody wanted my money. Not Cash) Congratulations! You’ve taken a huge step. She lives in a trailer and recounts that. I’d be so happy” or “Everything in my life could be fixed with some cash.” These beliefs about money are all wrong. you might find you are still unhappy.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. It was totally a nightmare. something of a statistical freak. Most people just never make the move to define what they want and where they’re going. I know many people with little or no money.” Her hand was out. William “Bud” Post won $16. Money in itself does not equal success. in 1985 and 1986. Completing this exercise brings up a point I think worth exploring. Everybody had their hand out. Says the man who. Welcome aboard a new life. won the New Jersey lottery twice. What does she have to show for it now? Zippo.

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

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

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

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

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. great moves. 38 . 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. “Defining Success. In my mind.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. but it always starts with YOU. I expect to make great plays.” by exploring who you were to determine who you are and clarify who you want to become. In Lifemoney Lesson # 2.

son. one of baseball’s legendary home run hitters. because he knew he had the ability to be a GREAT batter. Before you know where you’re going. unemployed worker.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. How many of us hover around the comfort zone of what we’re good at. a student. Who are you? Who are you? That probably depends on who you ask. But all of these titles – husband. they don’t define you. someone’s parent. But life success is a self-test. 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. but not without a period of introspection first. 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 company executive. father. you need to know who you are. banker – merely describe you. or two-time divorcee. He stuck with the decision. a computer whiz. not a popularity contest. or a musical genius. lawyer. a basketball pro. 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. a son or daughter. He took a lot of heat for his decision because he was a GOOD pitcher. right? You might be a wife or husband. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. Maybe you’re carrying around a little extra baggage as a high school dropout. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. 39 . This is valuable advice for many of us.

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

successful. It is not. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. less really was more. and over the next year phased out four of his five clinics. restructured his organization. What is success if you don’t know who you are inside.” -Brendan Fraser 41 . but he was slowly driving himself insane. His patients and his workers loved him and he was loaded. (Either that. Lifemoney Currency “I’m starting to judge success by the time I have for myself. they’re shifting. how can you ever hope to achieve. 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. and what you truly want? I once knew a man who was famous for keeping up with the Joneses.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. This nice. or maybe just busy work. If you don’t know what will make you happy. 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. In his case. the time I spend with family and friends. My priorities aren’t amending. not the Joneses. Why? Because he was finally keeping up with himself. 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. literally.

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

You’ll begin to see how that person might emerge in the next stage of life.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. like academic work. Look for patterns forming. and so on. 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. As you think about the things you’ve done that you have enjoyed and made you feel good. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. 43 . Let’s say for instance that when comparing the events above words like “organization. while others could relate more to mental functions. 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. You may even recognize the type of goals that attract you.Knowing Yourself 3. Some people excel at social endeavors like arranging parties or special events. you will get a better idea of who you really are down deep. like sports competitions. some may be more physically oriented.” and “selective” came up in one form or another with each of the three achievements.” “thorough.

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

” -Derek Jeter 45 .Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. You need to keep this in mind as you plan your goals and how you will reach them. It’s our job. It’s business. Regardless of how you look at it. we’re playing a game. This makes it that much easier to achieve your goals. Since most of us do a better job with activities we enjoy. Things that are fun for us are those that match with the ability to use these character traits. Lifemoney Currency “You gotta have fun. 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’ll probably find that you are drawn to things you think are fun. Now you have an even better idea of how to play to your strengths as you set up goals for the future.

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

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

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

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

and they don’t let lack of money or support stop them. a film studio. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. I’ve failed over and over and over again in my life. “It all started with a mouse. Morgan was to finance.” Just think of that for a second. I’ve lost almost 300 games. Disney founded a $20-billion media conglomerate that includes a TV network. Walter Elias Disney.S.. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories. It’s easy 50 . But they know enough about themselves to know what makes them passionate and hungry. Consider one the top 50 business influencers of the 20th century. Twenty-six times. Theme parks with the Disney name are located in the U. I’ve been trusted to take the game’s winning shot and missed.P. Starting with a little mouse. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. a publishing house. and a worldwide store chain.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. Disney was to fantasy what J. As Walt himself recalls. Many successes start right where you are: not knowing themselves very well and beyond broke. and Japan. France. an Internet operation.” -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. And that is why I succeed.

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

Here was a guy who seemingly had it all – loads of money. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. As an example. 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.Find More As you learned in Lifemoney Lesson #1. down cold. you must understand why you feel a million dollars will equate to happiness. In other words. if you want to make a million dollars. What remains important is that you feel successful at every step of 52 . Know yourself and double check your motivations for success. be careful what you wish for. 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. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. because when you get it. For example. Why? Turns out he had Lifemoney Lesson # 2. because he knew he couldn’t be happy doing anything else.Lifemoney highlighting what’s required for success. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. Make Less . screaming fans. adoring women. Understand that fortune and fame doesn’t equate to success. and comparing those qualities with what you deeply desire to develop within yourself. knowing yourself and being true to yourself makes you successful. Knowing Yourself. it might not be what you expected.

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

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

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

and if you work in a field that doesn’t match your natural abilities. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. Do you have that drive? If so. Sometimes it will take that much more work. go for it. take an aptitude test. A local community college may also offer these assessments free of charge. just understand the obstacles that you are going to face. unchallenging and even difficult. 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. If you don’t know where your talents lie or still don’t know what you feel you would be good at. Certain occupations will be a better fit for you than others. you may find your work unrewarding. who not only played professionally. Assessment testing can also help find your natural strengths. Aptitude tests can provide some insight into your talents and abilities.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. These assessments are available all over the internet or by looking in the Yellow Pages. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. But he is the exception to the rule. and effort to reach something that is much harder to attain. -Brad Turk 56 . being true to yourself and finding your happiness makes you successful. time. Lifemoney Currency Understand that fortune and fame don’t equate to success. They can measure your characteristics and ability to acquire additional skills. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes.

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.

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Lifemoney

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

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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

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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

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

even thousands of people who have applied action and planning to make their dreams real. it’s often hard to see them as real. listen to the radio. stronger. Dreams are real and they do come true if you follow this path. get started! 62 . that’s natural. Now is your time. Just watch television. They happen every day. they simply learned these lessons a little sooner and applied them a little earlier. Those people are not smarter. Relax. or better than you. or read a book and you’ll see hundreds .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.

Schedule exam • Build out basement to accommodate office i. Let’s set up an action plan for your goals right now. What bridges that gap? Action steps. Understand the testing process (where given. break the list down into three or four action steps you would need to take in order to reach that objective. Below each. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. 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. An action plan is just a series of steps you plan out ahead of time to take systematic action. Research classes that offer test preparation for agent exam ii. 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.) iii. Order a separate phone line from the telephone company iv. Start looking into office furniture and equipment iii. Clear space for new furniture 63 . Prepare for exam iv. timeframes. Find out construction costs for renovation ii.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. We all know that goals just don’t happen. Goal Achievement Exercise G Take out your Workbook. etc.

deadlines slip sometimes and you have to readjust your schedule. Figure out what amounts of money will be needed to live off of while building the business iii. Start putting away money weekly toward travel agency iv. objectives and action steps. Let’s say you want to own your house debt free within ten years.Lifemoney • Raise and save enough money for expenses and salary cushion i. Sure. 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 . Successful people know that there are few assets as valuable as time. but without a schedule to start with you’ll never know if you’re slipping. but they also add urgency to their goals by making themselves accountable to deadlines. Figure out a budget of what the business will cost ii. 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. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable.

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

Written words are also great for organization and focus. most talented and gifted people I know. His solution was to write everything down. Never underestimate the influence of actually seeing your goals written out and in front of you every day. I actually had a business partner who is one of the smartest. He probably had the one of the worst memories I have ever seen. The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline.Lifemoney If you keep on falling behind and have to reset your dates. I stopped and paused. I told him. “I’m waiting for you to write that last item down.” 66 . About 30 seconds of silence went by and he asked me why I became quiet. After he said he was going to take care of one of the items that I did not want to do. he knew how to compensate for his flaw and it practically never affected his work or his success. Like most successful people. I learned early on a major flaw that he had that amazed me. 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. you might have to adjust your action steps or your due-dates to make them more reasonable. 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.

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

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

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

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

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

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

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

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

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

star and creator to see his project come to life. He persevered until. 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. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. 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. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed. he found a movie studio willing to buy both his script and his portrayal of the main character. Much like the boxer in his now famous movie. Stallone refused to fail.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. 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 . you may never know. How far are you willing to go for success? If you concede failure before you even begin. at last. Sylvester Stallone went through huge trials and tribulations as a writer.

For example. This becomes a lifestyle challenge that you must address. Emotionally speaking you may be thinking it’s too late for you to change. You might feel too old to reach your goals or that it is too late to realize your dreams. Being a doctor has been her desire since she was a child. But it is never too late to achieve your desires. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights. if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. you may be tempted to light up with your buddies at the bowling alley.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. At the age of forty. Life circumstances and 77 . my sister enrolled in medical school.

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

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

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

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

If you stop to think about it. nearly everything in our world is a tool. cars or computers . 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.our tools surround us.” -Tom Clancy 82 . People use tools to improve their lives.Lifemoney We’ve been innovating and making tools since we lived in caves. Now that you’ve made up your mind to go after your dreams. There was a time when people had to be told how to use a telephone. you need to select and develop the tools that will help you achieve your goals. Technology is just a tool. Though different tools may suit different people best. 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. Whatever the task requires . Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make.stoves. We create mental tools to help us achieve greatness as well. successful people use many of the same mental tools – and use them well.

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.

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Lifemoney

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

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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.

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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

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

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

Goal Achievement Exercise L Take out your Workbook. you may need to reconsider that decision. My guess is that you will get more done in four focused hours than eight unfocused ones. From now on. You also should get in the habit of counting the “efficiency cost” of each decision you make. 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. Ask yourself. but efficient work. 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. In other words. Everything in life has a price tag. when you get the chance to make decisions. from time spent with friends to starting a home-based business. some activities are more efficient in getting you 89 . Not pushing paper or daydreaming. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer.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. weigh each one with a view to your goals. Let’s do an efficiency exercise.

Lifemoney toward your goals than others. Ride your bike to work to relax and get some exercise. time. decisions: • • • • How much will this cost in terms of money. or even minor. 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. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. In order to focus and spend your time more efficiently. For that reason. Using time efficiently is a huge obstacle for many people who are would be success stories. but efficiency of performance is what wins the game for the team. To better manage your time and utilize your time more efficiently. I want you to realize a few things about time and think about ways you can use your time more efficiently. get in the habit of asking questions like these before making major. especially future goals. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. consider making changes like these to enjoy life now while working toward a better one for the future: 1.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. 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 .

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

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

and take time to spend with the ones you love. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. You can easily become distracted doing this and usually nothing gets done right. You come home to people that mean a lot to you. Focus on one step at a time. Then commit to giving your best to your life and to your goals daily. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. 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. don’t spend three hours cleaning your desk so you can get started. 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.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. complete all the important things at the beginning of each day. The third suggestion for prioritizing. Second. If your goal is to write a letter to someone. focus on writing and not the collateral activities that might make writing that letter easier. something or someone important is going to get short changed. In other words. Don’t do busy work. Do whatever you’re doing all the way. Choose a priority and be a finisher. Finish what you start when you start something.Tools for Success Another priority for many people is their relationship with family members and friends. The need for a clean desk before you can begin is less a necessity and more of an obstacle. 93 . Don’t multi-task and try to accomplish too many things at once.

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

When I was talking to him about his workout plan. or sleeping. eating. 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. For example. besides his normal two week break. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. 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. However. when someone buys a house. as he calls it) for over ten years. he told me that he hit the gym five times a week. In the last ten years. you need to make your goals – things to do – daily activities. His response was that working out was one of his daily events. he had not missed a single week of working out. we call it a mortgage. I have a friend who has been bodybuilding (or body sculpting. Then the real embarrassment came: after going over his working arrangement.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. a key part of your lifestyle. It was something he had to do. You wouldn’t go a whole day without eating. it was like brushing his teeth. would you? 95 . 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. consistently. When we make an appointment to see the doctor. I was amazed at his dedication and commitment. they make a commitment to the bank. In the same way. we feel obligated to keep that date.

He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation. Go big or go home. He went from hanging out and drinking at clubs (I know. give 100%. 22.200 books will be shipped in the next 12 months with the wrong cover 5. Here’s a breakdown of how things might look if only 99.500 defective personal computers will be shipped this year 2. Daddy's House Social Programs and the public schools of New York City. Follow through.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. because a 99. 1.488. 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.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.9% effort will not get you where you want to go.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268.000 checks will be deducted from wrong bank accounts in the next 60 minutes.9% effort were given. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. You have no choice really.2 miles.517.260 income tax returns will be processed incorrectly this year 2. He set a goal and did not stop until he reached it.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 . I saw him) to a few months later running 26.

saying Oliver Stone didn’t know what he was talking about. often unsafe. wanted nothing to do with Jamie. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20. tomorrow.500 mismatched pairs of shoes will be shipped this year $761.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9. next Thursday and every day in the future on defective.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18. Oliver Stone. Jamie was already a 97 .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. 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. Any Given Sunday.Tools for Success • 3. The director.690 will be spent today.” He did not believe Jamie could pull off the part.000 incorrect drug prescriptions will be written in the next 12 months 114. Jamie could have easily walked away.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880. He even went so far as to tell Jamie that he “would not waste one inch of film on him.

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

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. minute.” -My Mother 99 . Third. Lifemoney Currency ”Success doesn’t come to you. you go to it. talents.Tools for Success second. or hour passes it is gone. Last. and resources. Fourth. make efficient use of your time. make a commitment to embrace your goals and make them part of your life.

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

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

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

In this example. What happened? Well. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. 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.040 in your money market fund. or about $160 monthly. I prefer a big calendar. Keep it simple. and you recall spending $300 to get a new bicycle. electronic calendar or some other external system. you simply failed to keep track of your progress. But when you check you notice that there is only $4. We often just assume things are going to work out once we have our plan in place. Was the goal bad? No.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. This messes you up because initially you only needed to deposit $110 in the account each month. but by all means use something. What happened? Most likely – you made a bad assumption. a daytimer. Were you on track? Yes. 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. shipping and delivery – into place. but a big 103 . where you’re going and how you’re doing. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch. Don’t forget the map! The solution to this common problem is either a chart of your own making. 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. Was it out of reach? No. The simple reality is you need one single visual reminder of what you want.

3. Written goals are powerful. 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). I make sure I regularly review my objectives. so I’ve broken down my own personal system into five easy to monitor factors. I’m addicted to simplicity. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. List a Goal: This is where I simply write out my goal – one goal per sheet. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives.Lifemoney piece of paper would do. Here are my basic elements: 1. As always. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. I write these action steps in clear and direct language using 104 . 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. Also. Let’s find out what they are. Your reminder system should have several key components. As you can probably tell. They are items that need to be accomplished to get me further toward my goal. make this sheet physically easy to see as you go through your day. 2. 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. It’s important to monitor each goal separately so use a separate sheet/planner for each goal.

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

after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. Enjoy the thrill of getting better. by the way.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. 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. Action Step I will take 2 hours during the first week of this month to write out my plan. Year-round practice will improve my skills. Outcome I will enjoy my golf game more and feel a sense of accomplishment. to work toward your goal. and how often. Call for subscription to Golf Digest. When you go back and check your grid periodically. 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. and equipment of golf. I will surf Internet for local golf pros. Read one golf magazine article per week to learn more. 106 . pros. will be spent revisiting an earlier action step. Even if you don’t fill every moment with related tasks. you can quickly and objectively measure your devotion and success in chasing your dream. Check yellow pages for indoor putting green. Learn terms. I will make the time to sign up for lessons and commit an hour a week to practice. keeping a grid like this one will show at a glance what you are doing. For instance. Some weeks.

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

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

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

keep track of your progress.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. a great new job offer that comes unexpectedly. If not. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. a death in the family. Your best skill is your ability to write things down and track yourself. Some people even use something as simple as notes. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. the loss of a job. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day. As you try to achieve your goals. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. or meeting someone and falling in love. Watch your goal progress closely Check your daily activities.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. daily steps that carry us the furthest distance. Notes to yourself. your plan. 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. and your progress to see if adjustments are needed for a better chance at a successful outcome. Above all remember. this is the time to reevaluate your goal.K…. you may get off 110 . O. Either is fine. you still have time to adjust your plan to maximize your chances for success. as long as you continue to make steady progress.

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

If you don’t make notes of how you’ve broken down your duties. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. Be honest in soliciting opinions from others and acknowledging your weak areas. Write down the smaller. Then be proactive in making changes to benefit yourself and others. Keep these keys in mind: 1. more doable chunks that you make note of it in your planner. break the goals up into smaller. I strongly suggest that if you break your tasks down into smaller. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. daily pieces that when completed will gradually accumulate and lead to success. come up with a clever solution to some problem the boss is having. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. • • Finish the task at hand and ask for something to do next. you will lose track and wander in pursuit of your goals.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. gut-level honesty. Especially honesty with yourself about your own weak spots. Fortunately. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. Being honest with yourself is a powerful tool. more specific steps you 112 . there are many things you can do to address problem areas and turn them around to make negatives into positives. Better yet. 2.

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

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

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

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

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

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

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

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

and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. 4. You want to climb the attic stairs. With wild abandon you tackle new words. Book is your favorite word.ca/athomas125/hanna. I've forgotten how to laugh at blunders… 121 . Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. I see problems. Look for solutions in the most unlikely spots. You love to learn. And in my experience.htm.Resourcefulness You don’t know everything. I struggle to learn. You see steps. It was taken from the web site http://members. You are only two. you can’t know everything. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. You find laughter in mistakes. 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. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. My dear granddaughter Hannah. I see mess. You want to paint. Questions are your favorite tools. you see colors. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about.shaw. hoping to master the computer in one easy lesson or not at all. You want to know everything. Here’s a thoughtful letter written to a child from her grandfather. I see danger. new skills. I find embarrassment.

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

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

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

One life changing piece of advice can make you thousands if not millions. Be 125 .” -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. find out all you can about life in New York and the companies or groups associated with this new job in New York. For example if you’ve challenged yourself to get a great job in New York City. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. It is idling in you right now. Read books and look for television programs. That thrill of learning still exists inside you today. Ask the people around you what they know about New York. you will be able to learn from the experts in that field. They will teach you how to become financially secure and independent.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. waiting for the chance to drive you toward solving your challenges and meeting your goals. or showing off your playground skills to other kids.

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

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

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

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

130 . Never forget to take advantage of your network of connections. think of key resource people you already know from your past and your present.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. While making your list. it is because I was standing on the shoulders of giants. List three people that you will contact for assistance. 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. intrigue these people to help you in whatever way possible.Lifemoney Lifemoney Currency “If I have seen farther than others. 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. Using the people skills that you will learn in Lifemoney Lesson #8.

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

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

looking at things from a different perspective. objectifying your goal. your Lifemoney. 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. directly across the street from Grand Central Station. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. These include visualization. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. They are your real wealth. asking big and avoiding the herd mentality. He bought the property in 1977 when that part of New York City was in terrible shape. 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.

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.”

134

Creativity

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

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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.

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

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

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

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

000 down to $150. Although Liz was happy with the money she made and her success in what she did. David helped me to see the real value of that deal. 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.000. does medical billing and is the office manager for a doctor’s office. 142 . How? We were able to get the price from $165. Anybody can see what’s obvious but only a few can see potential. So try! It is a valuable lifemoney skill that can translate into big cash money.000. After David did the math with me. 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 on fix-up we would be able to sell the co-op for what the market value was at the time: $200.000 and after spending $25. You can do this in your own life.000 co-op for $175. she really wanted a more flexible schedule.Lifemoney was a wreck and was on the market for so long. it appeared that I would be buying a $200. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. My girlfriend. 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. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. By shifting perspective. Liz. Creativity Factor #4: Ask big There is huge power in learning to ask big. She is good at her job and has been with the same company for over 10 years. She envied my work schedule and the fact that I could arrange my days as I saw fit.

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

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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.

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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.

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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

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” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. Lifemoney Currency “A problem is a chance for you to do your best thinking. 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. Make the time. and then figure your score. Engage your creativity now by taking stock of your situation. I have objects around me that symbolize the success I seek. I seek out new perspectives to old problems. _____ 5. 147 . _____ 2. Remember that one of the most important aspects of creativity isn’t seeing what’s there. and invest the energy in some creative thinking about going after the things you want. _____ 4. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Don’t let yours go to waste. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. but seeing what’s not there. I can visualize my success through a variety of mental pictures. Take the time to evaluate your situation and try a creative approach.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.

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

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. 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.People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. Using people skills in a competent. but it should make your life experience more rewarding as well. professional and powerful way will not only aid you in achieving your objectives. 149 . getting others involved will be a major key to your success. For almost any goal you may have. 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.

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

Are you a people person? Few of us respond to every situation in perfect form. and at least once every day gave him a swift kick in the ass. Not only was this experience a financial success for me. Anyway. Think of a past problem you had with a specific person. Be as specific as you can. I micromanaged him. 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 . and told me that he needed that treatment to get him where he wanted to go.People grieve. Shared sorrow is half a sorrow. So to get the most out of people and to win them over to your cause. you need to know what their needs are. I treated him how he needed to be treated. some I still have to this day. but it allowed me to really connect to my reps and form lasting friendships. He later thanked me for helping him. especially when it comes to dealing with people. Lifemoney Currency “Shared joy is a double joy.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook.

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

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

The more you listen to others. the more two-way they’ll become. They’re getting enjoyment out of reliving an experience or sharing an insight. at first. and someone you are talking to tells you about a game of racquetball they played. 154 . and telling your stories. you don’t have to interject your knowledge or skills. Most people react in a negative way due to circumstances. you only aggravate yourself. it might be. Don’t take that away by changing the subject to you. But you need to be genuinely nice. brag or whatever they wish. 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. 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. But the funny thing about building these bridges is they work both ways. Let the other person feel important and appreciated. Some people are just genuinely grumpy or mean – but these people are not the majority. Even though you can relate to the story because of your expertise. Let the person tell the story. Try it and see how it works. Step # 3: Don’t Undermine – Understand It’s easy to criticize. Have faith and patience that the longer these relationships last. 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. the more they’ll learn by example and start paying you back– by listening to YOU. If this sounds fairly one-sided.Lifemoney Let’s say that you are a very good racquetball player. 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.

and he was a poor Scottish farmer. There. even though you typically arrive on time. “You saved my son’s life.org/i4a/pages/index. His name was Fleming. 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. screaming and struggling to free himself. Farmer Fleming saved the lad from what could have been a slow and terrifying death. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. “I want to repay you. Maybe you weren’t feeling well.winstonchurchill. mired to his waist in black muck. he heard a cry for help coming from a nearby bog. a fancy carriage pulled up to the Scotsman’s sparse surroundings. 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. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. On the way to work you get stuck in traffic due to road construction. Crazy things happen when you reach out to people and pay some kindnesses forward. One day.People Think back to a bad day you had recently.cfm?pageid=102. was a terrified boy. The next day.” 155 . He dropped his tools and ran to the bog.” said the nobleman. Then the boss yells at you for being late. while trying to make a living for his family. Maybe you got up on the wrong side of the bed.

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

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. But if they look like they’re very tired and sad. Brian. the intangible benefits of having their name 157 . “glad Brad. “Nice to meet you. Let’s say for example that I need help with financing a business deal that’s important to me.People I would suggest you develop a system that helps you put greater effort into this huge priority. but I will stress what’s in it for them: a great rate of return. the value of the proposed deal. These little tricks work amazingly well and are well worth the time it takes to practice them. you might think “sad Brad” or if they look happy. If their name is “Brad” and they look like Brad Pitt. Let’s talk about that sometime. For instance. 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 meeting you. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. Where do you work? Is that right? Sounds interesting. they will be interested in helping you in exchange.” You get the idea. One idea is to repeat the person’s name out loud a few times during the introduction.” Another popular technique is to associate their name with something visually unusual. Again. 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. Brian. it’s easy.

inferior. how 158 . 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. …you get the idea. If a friend is remodeling a kitchen. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. I’m always thinking “what do they want. The winner of an argument in real life is often the loser in the relationship. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. offer to help. All you will do is make the other person feel bad. and how can I give it to them?” I am not saying you can’t get help any other way. a coworker or a friend. but the level of intensity – time. energy and commitment – will be that much greater if you provide people with something they want. a case of beer or concert tickets. 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. Remember that getting the support you want depends in part on providing others with what they need. whether a free meal. the fun we can have together as a team.Lifemoney associated with the project. too. they would have behaved differently. 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. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. when they did help.

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

Everyone makes mistakes and will disappoint you at some point. Don’t cry or whine over any of this. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. 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. This may seem like a small thing. Always say please when asking for something. From time to time you may even take the blame for something that isn’t your fault. but he never called or wrote to say thanks. Look people in the eye and give them respect when you speak to them.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. Shake hands firmly and introduce yourself when around new people. Some of those mistakes will be at your expense. 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. 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. Step # 10: No Whining Allowed No one likes a whiner. To get along in this world without becoming an irritating whiner. You would be surprised how far all of this will take you in building relationships. lower your expectations of others and increase them for yourself. even after working hours of unpaid overtime. but we all have problems. but it’s extremely important. Take courtesy even further. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. It’s not that your problems are unimportant. It makes a deep and lasting impression that money can’t buy. Just remain calm and don’t shoot your mouth 160 . but received no sense of appreciation.

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

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

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

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

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

a well maintained attitude and a “no excuses” outlook. you'll start having positive results.” -Willie Nelson Overview Someone once said. What you believe you’re going to get in life is pretty much what you’re going to get. 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 . 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. This talks about some of the things I’ve found useful in creating a positive mind. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction.

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

Maybe you come from a family with many losers and too few winners. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. 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. “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. It’s not what you have but how you perceive things that really counts. and say. They complain about all the ways in which other people or circumstances are standing in their way. what you attract into your life and your ultimate success. So don’t worry about what you can’t do. You might feel as though you are destined to continue the long line of defeat. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. you do have complete control over what you choose to think. do. Though you have no control over the actions of others. I heard a few years later that she had attempted suicide. 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. 168 . focus on what you can do. 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.Lifemoney I stayed away from her negativity and did not associate too much with her.

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

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

Understand that a positive mindset happens first. Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by. Looking back have you been a complainer or a fixer? If you had it to do over. 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”. Rather they give years of their lives charting a positive course and expecting greatness. 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. If you want a piece of the action. Which have you been? Be honest with yourself. But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking. -Thomas Edison Don’t Complain . They have a mental certainty that what they’re doing will lead them right to where they want to be. It usually doesn’t happen overnight. would you handle things differently? If so. a Donald Trump in real estate or a Jay-Z in the studio.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 .

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

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

broadcaster 174 . 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. whose deafness did not stop him from composing classic musical compositions. I never had a crisis that didn’t make me stronger. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. 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.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.” -Lou Holtz. who minus sight and hearing became a model of inspiration to others. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. Some famous examples include Beethoven. Positive thinking sets them on a course for achievement. 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. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives.

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

Everyone faces down times. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. This relationship is going nowhere.Lifemoney getting a reply. 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. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. lack of feedback can lead to negative thinking. 176 . why not be positive. The way to get over them is to keep it moving until something positive does happen. Without those first small steps there could be no end result worth noting. 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. Unless you’re prepared to wait. Think of it this way: you’re going to have to spend the day in some way. 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. She’s probably like all the others. 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. It’s time for a change. 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.

the faster your mind will change into a direction that goes forward. Create a Repeatable Success Thought When you set your sights on a distant goal. especially if others are telling you it won’t happen. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. going back to college at 40. The idea is to simply stop thinking negatively and to find something good to say “yes” to. Really look carefully at these statements for a moment. trying to get into graduate school. For example. I’m going to call her and plan something exciting. We ought to try a little longer in case this turns out to be something good. it may seem unreachable at first. or climbing to the top of your profession may seem unachievable at first. 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. They rob you of positive energy and momentum.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. But that is the time to push the envelope to reach your dream. The key is to quickly counter the negative talk the instant you recognize it. 177 . 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. I do not need second helpings. Don’t write long sentences or anything that is too short or vague. Make your success thought as specific as possible. write down positively phrased replacement terms you can use as success thoughts.” (Too long and detailed) 2. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. and repeat it often. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1.” (Too short and vague) 178 . I will speak up at today’s meeting.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. the sooner you will believe it. I will take my wife to Hawaii next year. The more you say it. Be specific and limited. To avoid negative self-talk and track negative thoughts. Goal Achievement Exercise V Take out your Workbook. I call these “success thoughts. Nothing can block my success. “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. “I’ll stop spending.

such as.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. but the important thing is to think positive. “I won’t charge more than $50 weekly.” (Positive. detailed and valuable) Use your imagination to come up with more positive statements like these.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. Lifemoney Currency “Anything is possible. but you have to think positive. 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. and you have to fight. pre-recorded message that reminds you to stay on track. it’s how you view them and what you do about them that matters. “I’ll use just one credit card. specific and helpful) 2.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. When you fall down. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance.” (Positive. update the success thought for a related goal. “I’ll pay my balance each month. 179 . Everyone makes mistakes. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. Instead.

Don’t let anything keep you from getting it. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains. 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.Lifemoney Don’t let past failures hold you back. Keep focused on what you want.” 180 . remember that you are responsible for how your life turns out. Although others may have held you back at one time or another or you may have to seek help to reach your goal.

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

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

But if that was the only way. I will tell you right off the bat that I wouldn’t be. Was the sacrifice worth it? You’d need to ask him.000 in domestic box office sales. but I can tell you that Spike would probably say yes. 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. In 1986.000. grateful for the opportunity to have all the work they can handle.100. Ask filmmaker Spike Lee.Sacrifice Borrow. They are simply unwilling to sacrifice anything to get where they want to go. She’s Gotta Have It. to get his first film project. This much I can tell you. rigorous job to get where they want to go. Many immigrants come to this country with nothing but the shirt on their backs.000 in sales. They lay everything they have on the line. some become millionaires. Since then Spike Lee has produced at least 22 other films that have made over $433. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants. saving every penny to open a restaurant.big time! Big or small. store or business. sacrifice is often a part of any success story. off the ground he did just that. would you? 183 . Some work two and three shifts for years at a time. you have to make those kinds of sacrifices. Spike Lee knows that sacrifice can pay off . Yet. It cost him $175. Why? Because they work hard. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying.000 to make the movie and it grossed $7. Within a generation. there are people who were born in this country who complain about the lack of jobs. It’s a real risky strategy but sometimes when you believe in something strongly enough. sleeping just a few hours a day.

Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. Lifemoney Currency “Judge your success by what you had to give up to get it. He had to sacrifice his nights and his only free time in order to get where he wanted to go. 184 . There were no shortcuts to success. took a job as an insurance salesperson straight out of college. at almost any cost. 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. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. 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.” -Dali Lama Sacrificing for Success Mike Luckovich. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. Pulitzer Prize winning political cartoonist.

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

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

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

but less than twenty percent of the population do so. 188 . Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. 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. But if you save and invest it. If you spend all you have. The wealthy will have enough from current savings and investment plans.” -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. It’s a simple fact of life. you will have enough for today and tomorrow. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals. there will be nothing left.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. Underachievers live for the day and overachievers live for the future. too. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow.

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

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

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

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

the whole process of success becomes easier. the work doesn’t seem like work. One of my favorite movies is The Untouchables. we have to figure out which ones we want most. having been mortally shot. It’s not nearly as bad as you might think. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. and then force ourselves to work hard for them. 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. one of Ness’s fellow agents. At the climax of the movie. but they rarely do. Are you prepared to follow this through. then he dies. In addition. Good things don’t just happen to us. and someday my chance may come. But show me someone who has achieved their dream without it.Sacrifice “I will study and get ready. Those people just don’t exist. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. Sacrifice is sort of the dirty word of success. 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. Maybe they should. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. an Irish cop played by Sean Connery. The good news is that if you’re in love with your dreams and want them so badly you can taste them. Instead.” The emphasis is on the preparation. if you build your Lifemoney. 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. Nobody wants to hear about effort and work and sweat. What are you prepared to do? 193 . In the movie.

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

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

Yet our lessons come from the journey. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results. It is the ability to let go of the need for immediate gratification. not the destination. without experiencing anxiety. I mean the ability to sit back and relax while waiting for an outcome.” -Don Williams. By patience. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. 196 . J Overview Having patience is a key ingredient to successful living. tension or frustration.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.

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

Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. Mexico. 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. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. But when urgency is applied to things I can’t change. For example when I take on tasks that are really time consuming (this book for example). It’s a quality that helps me act quickly and get an enormous amount done. I told 198 . I’d brought on an investor to put up the money for the deal. 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. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. and don’t let the things I can’t control stress me out. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. I have an unrealistic expectation of speed. urgency turns damaging and can lead to senseless and sometimes destructive impatience. Based on where I was in the process and the faith that I had in my contacts in Mexico. 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. And this is probably true for you too.Lifemoney tool. If I can’t change or alter a situation. If I’m not careful this can create impatience in me. This is a struggle for me as it might be for you. I need to clear it from my mind.

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. Based on the trust that I had built with the investor on past dealings. he decided to partner with me and put up the $1. When I sat down in my meeting and went over the paperwork that they had prepared. and then I left the meeting. Outraged by what transpired. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . 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. I noticed that they had changed all of the terms of the deal. a partner who trusted me enough to put up that $1. I wanted this deal done. It took all the Lifemoney lessons I talk about in this book to get me through this situation. I immediately extended my trip from 2 days to a full week. 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.600. There was so much I had no control over. So there I stood in Mexico.6 million dollars. and patience was number one. I flew down to Mexico for my big meeting and to sign paperwork.6 million already invested in the equipment needed for this project. regroup and come up with a game plan.000 that was needed to get this project going. $1. 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.

If I did not have the patience to stick this out. • Stay busy. I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. I wound up getting an even better deal than I would have initially. 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. Do something fun and celebrate your incremental success. Look at the things you have accomplished to date. Why? Because I was patient and focused on controlling what I could control. I started making calls and finding out key contacts and setting up appointments.Lifemoney had met with. 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. reevaluate your objectives and make your goals more realistic for your needs. • Reward yourself for completing something difficult. 200 . Focus on the results and not the task. If your goals don’t seem to be on track. I would have never completed this deal that wound up being a very successful project for me. • 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.

If you do. Here’s a very personal technique I rely on to help me enjoy the daily journey. In 5 years looking back at the issue. You need to live today like it was your last day and plan for tomorrow as if you were living forever. I find something to make me realize that it’s not as bad as I think it is. When I am having a bad day. you will wake up and have missed out on what life really has to offer. We need to count our blessings and enjoy what we do have and make the most of every day. 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. You need to start enjoying a little everyday.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. before you know it. 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. Who said life has to be hard? It is only tough if you make it tough. I open the window or take a walk outside and enjoy 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. Chances are you will look 201 . Don’t take time for granted and let your life pass you by. 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. For example. Think of all the fun and excitement you will miss if you don’t savor every moment. I’ll realize today is beautiful and I should appreciate my health.

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

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

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

Try to create an external world outside of your business that enables you to have fun. then look hard to find something you’re passionate about and consider a career change now.” At least that’s the way I am. 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.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. he locked himself into his attic office and plugged away. If you can’t stand doing what you’re doing. There is a story about a young man who wanted to become a famous writer. My suggestion is that if you have a good job for which you don’t feel a lot of passion. 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. 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. He hardly noticed the leaves turning colors outside his small window. 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. In fact.and create some financial success that can free you. 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. be stimulated and enjoy life…. But whatever you do. writing one manuscript after another and firing them off to the publishers in hopes of being accepted. You can do that. Sometimes the ends do justify the means. Day after day.

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

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

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

101 Affirmations 209 .

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