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The Proven System for Creating the Money You NEED for the Life You WANT
By Self-made Millionaire Brad Turk
life·mon·ey (n): the non-monetary currency needed to attain success and develop wealth and personal satisfaction
Copyright (©) 2007 Brad Turk
All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or any other means electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of the publisher.
This book is dedicated to all those success stories that were earned through a smart plan, hard work and dedication. To the underdog that went beyond what they imagined they could achieve by never giving up. To those that are on the road to accomplish this success, are committed to their cause and will not be sidetracked....
....................................27 Find the “U” in “SUCCESS” ...............8 Persistence Pays Off ............34 Defining Success Summary ........................................................................................................................ Retired by 35: What Lifemoney Means to Me........42 Goal Achievement Exercise C ................................................................................................................................................................................................32 Win Life’s Lotto (Real Wealth is Measured by Achievement............................................................................................................................................................................................................................................................................17 Global Business Solutions...................24 Overview.........................................................................46 Goal Achievement Exercise D..................6 My Early Years ..........................................................19 Self Made Records................................11 Learning About Business...............................................51 Make Less .......... Inc.....................................33 You Are in Control....................................................................................................18 Heat Wave Tanning...........................................................................................................................................................24 Want to Succeed? Sleep Late!................................................................................................................. Inc................................23 Lifemoney Lesson # 1: Defining Success......................................................................................10 Knowing Myself............................................41 Goal Achievement Exercise B ............................. Not Cash) ................................................................................................ / MyMusicSite.................................................................................................................... Inc.................................................................................................................... Too!...........................................................................44 What Are Your Limitations?...........................................................................................................................................................................................................53 Can You Dunk?.................15 This Was Only the Beginning ............................................................................................................................................................com ..........................................................38 Overview.............. ......................................................31 Goal Achievement Exercise A...............................39 Don’t Be a Stranger (To Yourself)...............................Table of Contents Introduction: Millionaire by 30....39 Who are you? .................................................................24 Success on Your Terms ...............28 WHOSE Dream Is It...................................... 1 My Lifemoney .........................13 Getting Focused................................................................Find More..............37 Lifemoney Lesson # 2: Knowing Yourself .............................................................................................................................................................................................................36 Millionaire’s Checklist: ...................48 Buy Stock in Yourself .....................................................................................21 …You Can Do It.....50 Goal Achievement Exercise E ................................................................... Anyway? ..................................9 Looking for Motivation ....................................................52 A Fish Story ........56 v ......................................................................................................................... ............................................................................................................................................................................... 6 Overview..6 If I can do it… ...........................................38 Sometimes It’s Better to Strike Out ...........................................................................................................................................................................................47 Get Rid of It! ................
..........57 Millionaire’s Checklist: ........................................................................................................................................................................................................................................59 Step Up ....................................................................................................................................................................................................................................................................................................................................................................................................................................................64 Goal Achievement Exercise H...............................................................................116 Overview...............................................................................................72 Goal-Setting and Overcoming Obstacles Summary.....................................................................................88 Goal Achievement Exercise L ....................83 Goal Achievement Exercise K.............. 115 Lifemoney Lesson # 6: Resourcefulness......................................................................................................................................Knowing Yourself Summary ...................................................................................... 105 Maintaining Your Course ..........61 Goal Achievement Exercise F ...............................................................................................63 Timelines ....................................................................................................................................................................................................................... 101 Progress Report ..............................69 Goal Achievement Exercise J ..79 Lifemoney Lesson # 4: Gathering the Tools for Success..................................................... 111 Evaluating Your Progress Summary .........................................................................................................................................................................................................................................................................................................................................................59 A Quick Review .................................................................................81 Tool #1: Focus ..............................................85 Tool #3: Efficiency ...........63 Goal Achievement Exercise G.........60 Start by Writing a Goal................................. 116 MacGyver It!................................................................................. 103 Goal Achievement Exercise M .............................................................66 Goal Achievement Exercise I ......................................................................98 Millionaire’s Checklist: .....79 Millionaire’s Checklist: ......................................................70 Goal: To pilot my own airplane .........................................61 Establishing Action Steps ..........................................92 Tool #5: Do or Die Trying Commitment......................................................................................................................................................................................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles....................................................................................................................................................................81 Overview......................................................................................................................... 100 Lifemoney Lesson # 5: Evaluating Your Progress .......................95 Gathering the Tools for Success Summary................... 116 Can’t Get a Job? Buy the Company! .............67 Nothing Can Stop Me Now…....................................................................... 118 vi ...................81 A Successful Person’s Tool Belt ..........................71 Three Huge Obstacles...............................................84 Tool #2: Time Management ...K…......................................................................................................................................101 Overview..............................................................................................65 Write It Down ........................................................................................................................... 107 O......................................................................................................What If You’re Way Off Track?....................................................................................................................... 114 Millionaire’s Checklist: .................................................... 110 Goal Achievement Exercise N......................................................89 Tool #4: Priorities.................................... 101 Don’t forget the map! .............................................................59 Overview....................................
.....................................................................Keep Looking ................................................................. 174 Worst Case .................................................................................................................................................................................................................................. 128 Goal Achievement Exercise P ..........................................................................................................................................149 Overview........................................................................................................................................................................................................................................................................... 166 Where’s Your Head At? ........................................................................................................... 182 Borrow...............................................Fix It ... 183 Sacrificing for Success ............ 181 Lifemoney Lesson # 10: Sacrifice ........................................................................................................ 151 Turk’s 12-Step Plan for Bridge Building............................................................................................................................. 194 Millionaire’s Checklist: .............................................. 185 Goal Achievement Exercise X................................................ 135 Dream It....................................................... 175 Eliminate Negative Self-Talk................................. 165 Lifemoney Lesson # 9: Positively Thinking ......................................................................... 135 Goal Achievement Exercise R .................................................................................................................................................................... 176 Create a Repeatable Success Thought ......... 166 The Multi-Millionaire Blues ............... 167 Change the Mental Channel........ 175 Keep It Moving ......................................................................... 152 12 Steps for Power with People Summary ........................................................................................................................................................................................ 189 Sacrifice Summary ......................................... 122 There’s No Need To Grow Up..................................... 133 Goal Achievement Exercise Q........................................... 164 Millionaire’s Checklist: .......................... 170 Don’t Complain ............................................................................................................................................................................................................................................................ 127 Find An Expert ......................... 184 Goal Achievement Exercise W ......................................... 177 Goal Achievement Exercise V.................... 133 A Lesson From Trump ............................................................................................................. 171 Goal Achievement Exercise U.................................................................................................... 131 Millionaire’s Checklist: ..... 137 Five Creativity Factors ........................... 179 Millionaire’s Checklist: ..........................................................................................................................................................................................................................................................................................................................................................................You’ll Find It ...................................... 147 Lifemoney Lesson # 8: 12 Steps for Power with People... Go into Debt and Max Out Your Credit Cards .............................................133 Overview.......................................................166 Overview................................................... 178 Positively Thinking Summary ............................................................................................. 169 Goal Achievement Exercise T .... See It...........................................................................................182 Overview.................. 137 Millionaire’s Checklist: ...... 149 Goal Achievement Exercise S ................. 195 vii ................................................. 173 The Key to Success? Live Out Of Your Car......... 132 Lifemoney Lesson # 7: Creativity ..................................................................... 130 Resourcefulness Summary........................................................................................ Do It! ........................................ 125 Goal Achievement Exercise O................................................................................................................. 149 Sharpen Your People Skills ........................................................Best Case...............................................................................
.................................. 206 Patience and Enjoying the Journey Summary......................................................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey ................................................................................................................................. 204 Goal Achievement Exercise Z ........................................................................ 202 GOAL (Go Out And Live).................................... 201 The 5 Year Test ............................................ 196 Mañana ..................................................................................... 202 Seek Happiness in Simplicity .................................................................................................................................................................... 207 Millionaire’s Checklist: .......................196 Overview...................................... 200 Enjoy the Journey........................... 208 viii ........................................... 196 Doing Time ................................................... 201 Goal Achievement Exercise Y.......................... 198 So what should you do to be more patient? ...............................................................................................................................................................................................................................................................................................
Lifemoney will help you understand what success really means and teach you how to attain it. 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. new entrepreneurs perfectly – but can be adopted at any age.Introduction: Millionaire by 30. 1 .” -George Foreman Life comes first. not money. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. Lifemoney will show you what you really need to live the life you want. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how. Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire. Money is simply a tool to help you get what you want out of life.
I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. It could be $240 a week or $240. part how-to. Imagine having the task of hammering a nail. it’s not the dollar figure I define as Lifemoney that’s important. 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. a new home. be it a million dollars. it’s the job that makes you happy on a daily basis or brings you closer to your goals. Part self-help.000 in quarterly bonuses.One of the most unique features of Lifemoney is that it’s entirely personal. it’s not the job that I feel is prestigious that matters. 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. 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. yet most people don’t use the correct tools to get what they want. part financial management. Would you use your shoe? Would it work? Possibly. For example. 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. If it’s career happiness you’re looking for. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 .400. a new job or just a raise or promotion in your current job. In this book.000 a year or $2. if it’s money that you’re after.
Instead of concentrating solely on the financial aspects of making your first million. Through my interactions with many successful and famous people (some recording artists.My Lifemoney WANT. My schedule and time belong to me and I do what I want with my days. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. This book will show you what those characteristics are. But more importantly. If you learn these lessons – and actually follow them – you can and will succeed. I have been fortunate enough to learn that most successful people share a lot of the same attributes. some executives. and want to share them with you. along with real-life examples you can use to plot your course for success. So who is Brad Turk and why am I qualified to write a book about life or money.). The exercises in the book 3 . Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . It offers a set of tools. I have distilled those attributes.most of whom happen to be multimillionaires. used them for my own personal success. characteristics and personality traits that you will need to get you there. Whether you are looking to be the next pop star or the perfect housewife. there are common qualities. etc. Lifemoney will give you a blueprint for success in all facets of life. I am living the life that I want to live. let alone both? I was a millionaire before the age of 30 and retired soon after. not just financial. My definition of success is simple: Accomplishing what you set out to do. This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life.
While reading Lifemoney you will become familiar with these attributes. you’ll find ways of: • • • • • Understanding what success means to YOU Matching what you want with your abilities Learning to go after goals by setting specific tasks with timelines Learning how to focus.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. 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. In this book. 4 . see what works for you and. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. 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.
you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement. 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. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it. Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs. 5 . Repeat these affirmations to yourself when you need a quick boost. 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. What’s the answer? Lifemoney. there is more to life than money but you just can’t live in this world without money.com (Code: naNtZB). 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.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. Clearly.bradturk. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success.com. list and track your progress. 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. These proven tools are specifically designed to help you plot. This checklist will help you quickly see if you are developing the skills that were discussed in that lesson. The higher your score – the higher your Lifemoney skill level.bradturk.
salesman. rich and retired. If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. entertainment field and having a 6 . Over the course of my very short professional life I’ve achieved the American dream: I’m young. Through experiences as diverse as being a break dancer. I achieved personal and financial success through various ventures in the telecommunications industry. business owner and entrepreneur. I’ve found the American dream and retired early.” -Brad Turk Overview I want to take just a few pages to introduce myself.Lifemoney My Lifemoney “It’s never too early…to make your first million. actor. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself.
These lessons can be learned by anyone. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. boat and everything you’ll need for a life of accomplishment and success.com arena or hit the lottery. Instead. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success. Think of the old story about giving someone a fish or teaching them how to fish. Give someone a fish and they eat for a day. teach them how to fish and they eat for the rest of their lives. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. and if you’re willing to be my student for just a short time I can show you how. 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. whether it was through direct interaction with a mentor or learning from other sources. Consider these lessons to be the fishing rod. 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. You’ll never need to go hungry again. Diddy and even myself have been “taught how to fish” at some point in their lives. All the successful people I discuss throughout this book including Warren Buffett.My Lifemoney retail tanning salon. I have used the attributes I describe for you in this book over and over again in many different businesses – all with the same successful results. I did not strike it rich in the dot. That’s what Lifemoney is all about. It’s not that hard really. Not all of these successes share the exact same 7 . adapting the rules of success to your personal situation.
(Oh. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . and she was a tremendous teacher. I learned these lessons by reading books of successful people and from my peers. new opportunities. In addition. When I got to junior high. 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. Mom didn’t let it stop her. I won’t be insulted. new friends and. 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. That’s where I first learned about work ethic. 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. My Early Years I began life in the Pomonok public housing projects in Flushing. You can always come back to me later).Lifemoney attributes. and no money. though. but they usually have a lot of similarities. and by the way. By the time I was in fifth grade. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. I got heavily into break dancing. She kept right on plugging away with her 3 jobs. my mom and I had moved to Forest Hills. rapping and acting. New York. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. It was a much nicer neighborhood. new neighbors. 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. There were new surroundings. New York.
and thinking outside the box. In fact.” The do-not-call rule was strongly enforced. Since my working mom didn’t get home until late I would go alone by train. as well as how to contact them. I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. I followed directions exactly and sent my headshot along with a resume to one hundred agents. But the first rule of success I learned was to work around your obstacles. To follow my dream I had to overcome several obstacles. the only way to contact agents was to send query letters with photos and resumes. a renowned child talent group. For starters. not easy.My Lifemoney industry. I decided not to sit around and wait for something to happen. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. as you can imagine. which listed talent agents. Most emphasized the boldface message “not to be called or visited. not succumb to them. dealing with people. a huge child actor of the time 9 . I’ve always been a hustler. This is when I first began to learn about the value of persistence. Persistence Pays Off To make it in the acting field you need an agent. I bought a reference book called The Ross Report. Frustrated by the lack of response. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. I sent the package out to the same agents two times but didn’t get one response either time. The first agency I visited was Schuller Talent. and I began going into the city (New York) for auditions to try breaking into the business. They represented such actors as Emanuel (Webster) Luis. Finding an agent to represent my efforts was. Actually.
Not surprisingly. 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.” the agent in charge of the group that I wanted to join. I turned to leave. From the corner of my eye I noticed a woman standing in the doorway. Had I continued to wait for calls that never came. going out near the door where the other woman had been listening. I returned the following week.Lifemoney and Danny Pintauro. and found the success I was seeking. I told her I just wanted to make sure it got into the correct person’s hands. 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 spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. auditioned. She followed me out and introduced herself as “Davina. I continued my conversation with the secretary. As a result. Hanging out with my friends and social activities seemed more important. Looking for Motivation Unfortunately. I might not be where I am today. I thought that she was listening to what was going on. But taking the initiative. I didn’t do very well in high school. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. I often skipped classes. and signed with Schuller for representation. and when I did show up I didn’t pay much attention. After thanking the secretary. who was extremely nice and reassured me she would get my packet into the right hands. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. I set out to get answers to my questions. I barely 10 .
The following semester I got a 3. I got accepted. I was looking to make a lot of money and enjoy nice things. After getting in. It was a great lesson: Not all of success is flashy and easy. If I was going to “screw up” like I did in high school. With this pressure from my parents. I decided I didn’t want to end up stuck with no way out. 11 . Knowing Myself In time I would become a very successful entrepreneur. they explained.My Lifemoney made it through.88 grade point that term. My father had resurfaced in my life to pay for college. they didn’t want to pay for it. For these reasons. I realized that my next job was staying in. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. Although you can make a good income from acting. the odds are severely stacked against huge financial success. I applied for a double major in business and theater and. 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.92. And. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. and was eventually inducted into the Phi Eta Sigma national honor society. The only thing to be decided was how I would get where I wanted to go. I had a hard time getting into college. Through hard work. I changed my habits and learned how to be a student. using my acting resume. But he and my mother told me that they would only support me if I did well the first semester. I earned a 3. I learned early on that being a struggling actor was not for me.
For him. the sacrifice has paid off. From my break dancing and rapping days I had always kicked around the idea of being in the hip-hop industry as a rap artist. I asked him if he was going to order anything else. as with acting. I wanted more of a sure thing than acting. I spent a lot of time in studios developing a demo to get a recording contract and learning the business.Lifemoney I remember meeting a good friend of mine. I sent out many demos to try and get people interested. But. I spent the last years of high school and beginning years of college working toward that goal. Looking back. for lunch one day. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. He answered. a struggling actor. I knew myself and knew movie stardom wasn’t the right route at that time. 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 bought his lunch that day. “It’s cheap and it fills me up. But before I fully ventured into business. It was a real education. So I took a different route and it has paid off for me. Today he’s a successful actor who can go anywhere and order anything he wants. When he only ordered soup. I could see the moment in that restaurant as a turning point. the music industry does not often accept unsolicited 12 . As with my junior high acting days. I still had some entertaining left in my system. That could have happened for me but I knew in my heart it wasn’t MY reality. But his limited income made it clear to me that this was something I did not want to do. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me.
I knew 13 . In 1991.My Lifemoney material. co-sponsored by 98. you need to work in it. A key lesson I learned was that if you want to understand an industry. a lawsuit can result. I sent in my tape. Although I didn’t win the contest. even for free. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. I got a job as an intern (for no pay) working for PolyGram Records. I was chosen as a semi-finalist out of 500 entrants. Although no longer in existence they were one of the premiere labels at the time. even when you’re going against the grain. In this world you have to take opportunity where it comes if it will help you achieve your goals. Learning About Business In addition to finding some measure of success in the entertainment side of music. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white.7 Kiss FM in New York. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. If the artist believes a later recording is similar to his or her music. It was validation that hard work could pay off. I recognized the value of this attribute and stored it away for later. This is exactly how you build Lifemoney. This was pre-Eminem and not too many white people even listened to rap. I also tried to learn the business side of the industry. In fact. My goal was to get noticed and possibly get someone interested in working with me. let alone were successful at it. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. I entered the Pepsi Rap Up the Summer Contest. I kept working toward my goal of becoming a rap artist and trying to learn the business.
The following year I released “That’s Evil Man” on ZOO Entertainment. if you want to someday own a bar you should work at a few for a while to learn the business. and access is one of them. It’s important to understand what you are getting into before you are knee deep. It paid off. For example.the talent . “I just want to get my foot in the door. The access I got taught me lessons I could have never learned anywhere else. agents and managers.” I once sent a sneaker in a box to a record label with the note. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. But it’s all valuable. I figured if I sent a package. There are more important things than money in this world.and the men and women behind the talent the producers. my targets would be curious enough to open it rather than throwing it away. If you want to learn a business. It was one of my earliest stabs at being resourceful. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . For example my rap name was “Sneak. If you want to work in politics. volunteer for a campaign or move to DC. Basement Records. learn it from the ground up. It worked. And always be resourceful. BMG. feel free to import ideas from wherever you can find them. 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.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. Door after door was being closed to me. a recording label. picked me up and got me signed to BMG for distribution.” along with my demo tape. You might find it’s not what you expected it to be. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. mixers. both the stars .
But the truth is making money is hit or miss and is more often just smoke and mirrors. but in reality there are very few people that make it big – and make the big money. You see – I already understood that making money was a priority for me – an important goal. It was an exciting time. It didn’t stop there. for more reasons than just getting airplay. full of rich stars and power players. The music business seems glamorous.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. I needed the sense of security that comes with a regular income and the knowledge that I would be able to pay the bills and live a comfortable lifestyle. I decided since making money was a priority that it would be easier to make money in another industry and that I could always return to the music world later. I was concerned that I might not make the money I was looking to make – and I thought I might be able to make it easier somewhere else. I was finally seeing a dream come true. In 1994.” Next Plateau. But like 15 . Eventually it went to number 27. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences. actualizing my goals and watching them come to life. which I did. 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. Money provides those things. While I enjoyed working in the music industry. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. PolyGram Records. It is a difficult business to really make money. That’s a hard truth to see from the outside. 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.
After leaving college. 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. Unfortunately. In addition. I saw that real estate was more suited to my personal goals at the time. so I pursued this opportunity. I went so far as to get licensed to sell life insurance. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. I decided to 16 . I did not have a wife or family. 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. and could not fully understand or relate to getting life insurance for protection for other family members. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically.Lifemoney most young people I didn’t understand what was going on. Not to sound conceited. How did I do that? I started selling real estate at night. I was interested in sales. I did not find that product to be a perfect fit for me or my personality. the branch focused on selling long-term care and retirement planning. For one thing. I understood the insurance office management job completely. Also. The branch owner wanted to train me to sell life insurance. but it was apparent that I was a tremendous asset. I took over a job for a friend as an office manager for a life insurance company. I figured if I spent more time on my part-time real estate job. I could make even more money. Becoming successful. 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.
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. I made sure I did everything efficiently and wasted no time at all. 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 began to learn about the importance of defining success for myself. and there was a lot more to learn. You never know if someone will say yes or no to a question until you ask the question. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly. You never know what people are willing to do – or what you can accomplish – until you try.My Lifemoney leverage all that. 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. the one you’re probably most interested in. When I went to my boss to resign. 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. and I went from initially working five days a week to just one day per week. But my education was just beginning. my gamble worked! Eventually. I also promised him that the quality of the work would not change. He reluctantly agreed on a test basis. at the same pay. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. For example. This would permit me to have two more days to sell real estate. Best of all. instead of just quitting I told him I could do the work in one day that I had been doing in three. making my own way and even started knowing myself and where my real talents and desires 17 . This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life.
By my second year. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money.07. I was already bringing in a six-figure salary and at the end of my third year there I earned $387. It was basically a mini-version of one of the larger telecom corporations. Global Business Solutions. At MCI. Inc. they bought it from someone else and still sold it as theirs. I’d learned that when the big companies couldn’t supply a product. but the skills that were created in me were worth more than cash. evaluating my progress.086. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. 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. sacrifice and patience. But I still had to learn about setting goals. Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. Rather using the attributes I list for you in this book I became successful in project after project and business after business.Lifemoney were. resourcefulness and creativity. and I didn’t hit it big with the lottery. I started building and using this knowledge in real estate but I really kicked it into gear when I decided to take a corporate sales job at MCI Telecommunications. 18 . I used them to create many business successes. I was not an overnight success story. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). I became one of the top salespeople in the nation. Especially patience! It was a lot for a young person like me to absorb. like actual cash. dealing with people – especially difficult people.
Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. the customers would want you to do everything for them. Sometimes you go searching for new opportunities and other times opportunities find you. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. 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 eventually contracted with many providers. I saw what the needs were and I fulfilled them. lower to the ground and closer to the customer’s ear. I understood that customers loved a one-stop shop. it’s harder to tell which came first. you or the opportunity. 19 . and to always be so reliable that I would always be the “go to” guy in the future. and seeing niches before everyone else. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. allowing me to sell anything the big boys sold – and better – because I was smaller. Inc. When you’re always on the lookout for something new. I let the customers guide my business.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. Heat Wave Tanning. One of these areas was in the pre-paid calling card business. remain loyal and protect them as much as possible.
and Heat Wave Tanning was really a great business and a great opportunity in my life. maintaining equipment. It was like having a puppy at home: you never felt comfortable being far away for very long. Change is good. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. which was a huge plus for me. After more research (and imagining that operating that type of business would be fun). made my money and then I sold it. I told myself: it stretches us.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. Better yet the business seemed as if it could run itself. and might one day do again. It is definitely a great business that I would highly recommend. grows us. It turns out that people just were going in there to catch a tan. I saw a line outside of the place and was wondering what they were giving away. and I decided that I didn’t want that kind of responsibility. and managing customer issues just didn’t do it for me. The tanning business though was more hands-on. 20 . I decided to open my own tanning salon. A telecom business like GBS was more “virtual” than brick and mortar. This was a different venture from my previous forays in the world of small business. and prepares us for the future. I researched the business and found out that it was a very low maintenance business and pretty profitable. But I was discovering that retail businesses require a lot of time and attention. building the place from scratch. So I kept the business for two years. That is true. Besides. It was exciting. I could manage most of it via remote control. The tanning business was a big change for me. But I felt I was ready for that. managing ten employees.
although I brag about being retired. I have been launching companies left and right. Inc. 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. For Self Made Records. Self Made Records. I am doing what I love.com are both my hobby and business. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. Inc. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. friends and family while providing a marketing platform for them to make their dreams come true. It was a lot of work but it has been gratifying beyond words. I signed some artists to my label and I am currently marketing and promoting them.com Sometimes success comes full circle.com. I will make independent artist’s music easily available to their fans. with little to no risk and helping others all at the same time. 2007. looking to blend business with pleasure. I am now in the process of coding and developing mymusicsite. And what’s best is that I can afford to be patient. no limits and 21 .My Lifemoney Self Made Records. / MyMusicSite. That makes me happier than I can possibly describe to you. In 2007. I am sometimes surprised by all that I have accomplished in such a short time. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. But I can afford to do this because I love it. in reality I’m busier than ever. and My Music Site. And I love it! Why? Because I’m sailing my own ship with no boss. Inc. Now I was a successful entrepreneur. Later I was a college graduate looking to intern for a major hip-hop record label. but on my terms. set to launch in the fourth quarter.
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. satellite television. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee. I am also providing a marketing platform for these artists who want to make their dreams come true. Lastly. break dancing on street corners and hustling for business opportunities. and snack items. I just launched TellBrad. This is a free website that gives the consumer a voice and enables them to be heard (rant/rave/leave video complaints) to both other consumers and the companies they speak of. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. I will 22 . Meeting ExpressO will provide full access to conference rooms which include internet.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old.com (www. specialty beverages.tellbrad.mymusicsite. The business is called Meeting ExpressO (www. In addition to that business. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. and business services.com) and is a retail conference location /coffee shop. We will make independent artist’s music easily available to their fans. friends and family.meetingexpresso.com).com (www. I am also in development on another site called MyMusicSite. phone. In addition to being its creator. In addition. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating.com).
Now. when they mature. Instead of sitting around thinking about what you want. go by some oranges! (Orange juice outsells lemonade by 10 to 1. Stayed tuned and look for my name in the credits! …You Can Do It. sell it on the corner. Work on the activities. adapt the principles described in each of the upcoming lessons. And go for it! No excuses. I’ll tell you how you can do it too! While my story is different from yours and from that of other people. That’s why I’ve written this book. I have found the common denominator for success. Keep score of your successes and failures.My Lifemoney also receive co executive credit and be involved with development of the project.)” -Brad Turk You can do it too! 23 . Learn who you are and what you want. I will show you how to understand and learn a unique set of attributes you need to become successful. Too! I began this lesson by declaring “If I can do it…” without finishing the statement. Lifemoney Currency “When life hands you lemons… make lemonade. invest your profits and. Lifemoney provides you with the tools you’ll need to reach your own unique potential.
John. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. two very different types of success stories. These are the stories of two friends of mine – John and Steve .and though totally different from one another they illustrate what I mean by defining your own success. pure and simple. My first friend.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. some might consider him rich 24 . Success is never a game of chance and begins with clearly deciding what you are going to make happen. as far as I know. In this lesson I want to show you the importance of deciding for yourself what success means to you. is in no danger of cracking it anytime soon. has never cracked the seven figure mark and. Still.
John’s parents also enjoyed him being there. he is successful. he just took it as a joke. They think that he is not responsible. I have another friend. just as important. he also said he was happy with his job.and shouldn’t . From a professional perspective.Defining Success beyond compare because he knows himself and. He has a beautiful boat. several sports cars and a very 25 . he found his own success and it works for him. He made enough money to live on his own if he wanted to. has no ambition and is going nowhere. You can’t . I have to confess that I kind of agreed with them. He is truly happy with how his life turned out. he has a big smile on his face. John told me that he was really happy with his life. 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. He did it his way. Then one day we were talking and John really opened my mind to something. Steve. lives with his parents. All of my other friends make fun of him. He told me he was still living with his parents because he liked living with them. He needs nothing else to fulfill his dreams. Most days he didn’t have to go into work early and he got to sleep late.push your idea of success on anyone. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. who on the surface would probably look extremely successful to outsiders looking in. While talking about the future. who is over 30 years old. knows what success means to him. To me. It didn’t bother him what everyone was saying about him. He told me that every night that he goes to bed. he helped them out a lot and felt that his support was needed around the house. John.
Why? Because they both hit their mark. He is always stressed and always in fear of losing something. not from without. Does this sound like success to you? It might. Some people thrive in that kind of stressful environment. just so he can try to keep up with payments so that he does not default on anything. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. he is in a world of hurt. Before the weekend came. This is success for 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. Once you define what you want and know what will make you happy. Steve thrives on the adrenaline of living on the edge. Have you decided what your mark is? 26 . He is always making maneuvers to try and maintain his possessions. These men are both successes. My definition of success comes from within. He also has to work harder than anyone I know. The truth is that Steve lives way beyond his means. 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. you have completed Lifemoney Lesson # 1.Lifemoney nice house. I remember one weekend he invited me to go to the track with him to “play” with his cars. Most everything is owned by the bank and it seems every time I talk to him. He is actually so far in debt that he does not really own anything he has. he canceled the invite because he was actually selling one of the cars. Being that I know this friend well.
There’s simply no future in succeeding for anyone other than you. They buy gym memberships and never use it. For the most part. most successful people (whether consciously or not) have a system. It becomes yours. 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. I think this is important because I see so many people who spend their lives wandering. we are on a journey without a map. Like fingerprints. With the exception of my friend John who I just mentioned. get more and be more. But becoming – and staying – successful can be tricky. No matter your net worth or social standing we want to do more. They go from idea to idea. When you define success for yourself. What works for some doesn’t work for others and what works for me might not work for you. you’ve taken the first step to taking your life back. Success means different things to different people. We have no control over our path and our lives can become haphazard. They subscribe to magazines they never read. our definition of success will be individual and unique. When you define success and what it really means to YOU. trend to trend.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. fad to fad not really knowing what they want and drifting with the flow. we all want more out of life. Success takes personal planning and some work. If we don’t define success for ourselves. They start up home improvement projects and don’t finish. Why do they do this? They bounce around because they’re not prepared to 27 . most people are still on their quest for success. you own it. strategy or plan they stick to in order to reach their ultimate goals. Although some people get lucky in attaining success.
Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily.” Plant your own personal seed for success and watch it grow. See beyond money and its trappings. As Robert Collier. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . look past that next job promotion or future company you plan to build.Lifemoney take full action. 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. By starting your journey with a firm grasp of your meaning for success. 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.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now. Desire is the planting of your seed. They live undefined lives. You should live your own life and live up to your own expectations.” . 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. you will be fully able to reap all the benefits that await you. What is it you really want? What. “The first principle of success is desire – knowing what you want.
for example. but successful people have taken the time to really think about their definition of success. She has spent her whole life making sure her grades were in order to some day get into a good medical school. He is doing what makes him happy. He has lived in the same house that he purchased for $31. What would make you happy? We all define success differently.” It works for the second richest man in the world. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. She’s successful! 29 . He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). With all of Buffet’s billions he has always led a simple life.500 over 48 years ago. a 22-year-old student who has just received her acceptance letter into the medical school of her choice. 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. He does not really have any extravagant items like a fancy race car.Defining Success “All I want is to have people around who love me. She sacrificed many nights of going out with her friends and having fun in order to spend more time studying. yacht or even a boat. She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams. Let’s take. billionaire Warren Buffet. This is a man who could do anything and have anything and is content to sit home and watch a ball game.
but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. and employee – or future CEO – because of this personal accomplishment. they have not missed out on anything they’ve wanted. That man is a happier husband. 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 . I call that success on their terms. Although he and his wife share a modest home. agreed the wife should give up her job when the children came along to provide a stable home life for all. have resulted in two stable children with above-average grades and well-adjusted social skills. Then there is the couple that. While avoiding expenses like costly entertainment or expensive vacations. along with nutritional meals and emotional support. Sounds like success to me. his self-esteem and confidence increase beyond measure. father. they have been able to stash enough away to enjoy an early retirement and see the world. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. Each of these people has achieved success. upon marrying.Lifemoney A 39-year-old business executive runs his first marathon. Months of preparation and training pay off for this guy’s single-minded determination. 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. He’s been a total success. While his finishing time does not win any medals.
So let’s figure out how you define success. While it’s a good idea to talk to your family and others who may be impacted (say. it is possible to be a successful lawyer without feeling like a successful person.Defining Success WHOSE Dream Is It. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. but you don’t really want to. Lifemoney Currency “Do what you love. you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. That’s why it is important to understand your priorities clearly. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at.” . you might become bitter or resentful.Jeff Mallett 31 . That’s why. 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. It is how you view your situation that makes all the difference. I believe the common denominator in true success is happiness. what they all really want is personal happiness. It really isn’t what you have or who you are that makes you happy or unhappy. love what you do. you can begin to set goals on the road to success. If your parents are pushing you to become a lawyer. leave the world a better place. As you see in this example. So once you have an understanding of what will truly make you happy. Over time. you’ll be finding out why it is so important to Know Yourself. Even though everyone usually has a different idea of what success means to them. in Lifemoney Lesson #2.
I am going to ask you to open this document on a regular basis throughout this book. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. Then start writing about your views on success. What themes emerge from the answers to the different questions? Did security come up over and over again or did freedom? Did a need to be your own boss emerge or would you like a little less responsibility in life and not have to be the boss? This activity will help you get a better idea of what you want from life and what you expect of yourself.com. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. asking yourself questions like these.bradturk. so make it handy and easy to access. Explain. but more importantly. You can use a three-ring binder. open a document on your computer. Once you have this in place. and edit if necessary to make them readable and clear. the hallmarks of success—money. 32 . just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. set a timer for five minutes. in your opinion. or download a copy of the Workbook with all the exercises from my website – www. time. read over your ideas. skills.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. etc.
• In 1988. they’ll tell you: • Evelyn Adams. She lives in a trailer and recounts that. Most people just never make the move to define what they want and where they’re going. too. It was totally a nightmare. But you just did. Completing this exercise brings up a point I think worth exploring. I’d be so happy” or “Everything in my life could be fixed with some cash.” Her hand was out. We all do.2 million in the Pennsylvania lottery.4 million. If you were handed everything you wanted without working for it. Says the man who. I know many people with little or no money. Money in itself does not equal success. Not Cash) Congratulations! You’ve taken a huge step. you might find you are still unhappy. after declaring bankruptcy. Welcome aboard a new life. now lives on Social Security and food stamps: “I wish it never happened. in 1985 and 1986. “If I only had money. Having come from a “no money” background. Ask the following people. won the New Jersey lottery twice. something of a statistical freak. at gambling venues. Her total take was $5.” 33 . “Everybody wanted my money. William “Bud” Post won $16.” These beliefs about money are all wrong. It’s amazing how some people perceive money as the answer to all their problems. What does she have to show for it now? Zippo.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. Everybody had their hand out.
and without effort are not actually participating in the creation of their own personal happiness. It seems to be a rule of life that if you have good things handed to you . That is true success – at least by my definition. she had filed for bankruptcy and had just $700 in the bank. the challenge. She shared her wealth with many charitable organizations. Goals are not just about achievement. 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. You Are in Control Success belongs to those who are clear about what it means to them. Here are several keys to keep in mind: 34 .Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993. I know you’re probably saying “Yeaaa. they’re about satisfaction. There is no amount of money in the world that can recreate that feeling of accomplishment. And satisfaction is more than being content. To enjoy success you need to earn it. And accomplishing your dreams – your success on your own is very important. That’s why Lifemoney is an internal feeling.the fruits of someone else’s labors . not a financial figure. but before a decade had passed. Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future.you miss the excitement. that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily. and the ultimate triumph of accomplishing a mission. it’s that amazing feeling you get after finishing a job well done.
but don’t forget to enjoy the sites along the way. and that might not have been easy. sure. waiting for you to come and claim them. Anything worth doing is worth doing well. Don’t put your trust in success just showing up. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. Now all you have to do is take another step.Defining Success 1. You’ve already taken the first step. When you lay blame or make excuses. it resides in you. together – because you made a conscious choice to pick up a book called Lifemoney. Others have influence over you and affect you. 3. Most likely it will be bumpy. It may take months. Success is not a game of chance. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. it’s also worth doing despite the odds of failure and cost of success. but they do not own your ideas or lay claim to your dreams. The power to change is your own. and another. Stop looking outside yourself or to others to explain your failures. but your dreams are out there. 35 . You are here – we are here. or it could take decades. Chart a course for paradise. Publisher’s Clearing House might stop by your house with that big check and. And remember that it’s important to enjoy this journey so keep an eye on the finish line. even if the voyage looks choppy. that would be incredible. 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. until the value of moving is higher than the cost of those inevitable obstacles. you willingly give your power away.
” -Steve Jobs 36 . so don’t waste it living someone else’s life. Lifemoney Currency “Your time is limited. your neighbors – forget it. Let’s go there right now. on YOUR terms for YOU to be truly happy. trust me. Lifemoney Lesson #2. success must mean something to you if you are ever to truly achieve it. you’ll always regret not doing it for yourself. Success must happen YOUR way. It will become clearer the more you focus and keep your mind open. If you do it out of ego or pride or greed. your old friends from school. If you let others define success for you. That’s totally normal. All right. Whoever you’re trying to keep up with – the Joneses. there will always be a nagging feeling that something is missing.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. Don’t feel bad at all if you’re still a little unclear about what success should mean for you. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. something WILL be missing.
I will always seek to lead my own life. The expectations that matter most are mine. I spend time learning what it will take to be successful in what I love. _____ 9. _____ 10. I will decide for myself what occupation excites me.” -Brad Turk 37 . _____ 3.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. My life is mine and I’m excited to develop it on my terms. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. and then tally your score. _____ 5. I am seeking my own personal growth and happiness. I am in control. I will look beyond money to find happiness. I hope they enjoy it because you probably won’t. I will define success for myself. _____ 6. _____ 8. _____ 2. I am winning life’s lottery. _____ 7. _____ 4. Lifemoney Currency “If you live for someone else.
38 . great moves.” by exploring who you were to determine who you are and clarify who you want to become. but it always starts with YOU. In Lifemoney Lesson # 2. “Defining Success.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. I expect to make great plays. It’s a journey that may veer off in a thousand different directions before finally coming to fruition. In my mind. 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. you will build on the first lesson of this book.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success.
Before you know where you’re going. Who are you? Who are you? That probably depends on who you ask. one of baseball’s legendary home run hitters. How many of us hover around the comfort zone of what we’re good at. they don’t define you. a basketball pro. a computer whiz. a company executive.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. a student. not a popularity contest. This is valuable advice for many of us. a son or daughter. son. lawyer. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. 39 . father. But all of these titles – husband. but not without a period of introspection first. Maybe you’re carrying around a little extra baggage as a high school dropout. He took a lot of heat for his decision because he was a GOOD pitcher. He stuck with the decision. or two-time divorcee. 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. 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. or a musical genius. because he knew he had the ability to be a GREAT batter. someone’s parent. unsure or even unwilling to concentrate on what we might be great at? Often the difference between being good and being great is making adjustments that allow you to spend more of your time developing your greatest strengths. unemployed worker. you need to know who you are. But life success is a self-test. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. banker – merely describe you. right? You might be a wife or husband.
and live happily ever after. the goals appear too distant to reach anymore. Whoever you are. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. you find that those dreams never materialized. let me help you rediscover that person again. instead of building the future you always wanted and. 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. But now. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. and hopefully a little wiser. more importantly. looking back. Or maybe you were hoping to get married. start here.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. 40 . you can still find the path to your personal success if you’re willing to look for it. Then. when you take a moment to catch your breath and see where you are. Maybe he or she is a little older. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. Life has a way of sidetracking us from our goals to deal with day to day living. 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. knew you were capable of attaining. wherever you’ve been. you got sidetracked into making a living and getting by. have kids. Instead. but ready to gear up for the adventure that lies ahead. whatever you’ve done. day to day.
He was a very successful physician with five private sports clinics. Lifemoney Currency “I’m starting to judge success by the time I have for myself. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself.” -Brendan Fraser 41 . less really was more. In his case. not the Joneses. the time I spend with family and friends. successful. or maybe just busy work. It is not. or someone else was going to wind up dead!) He drove straight to his accountant’s office. they’re shifting. If you don’t know what will make you happy. Twelve months later he was happier than ever. This nice. What is success if you don’t know who you are inside. 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. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. restructured his organization. how can you ever hope to achieve. but he was slowly driving himself insane. (Either that. His patients and his workers loved him and he was loaded. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. Why? Because he was finally keeping up with himself. My priorities aren’t amending. literally.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. and over the next year phased out four of his five clinics.
” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. list your personality or character strengths. In looking back on your past. define a recent accomplishment by personal attributes: 1. reflect on the things that worked in your favor.” 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 . “I made a wise career move by getting a better job. now you can see how you managed to win that particular prize. Make a list of your top four or five achievements. and/or specific steps you took while completing these accomplishments. Under each. Even if you didn’t consciously use these qualities back then.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. • • • • • “I earned a college degree. For example. certificates. or personal achievements. recognition. these might include honors.
43 . 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. like sports competitions. 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. and so on. you will get a better idea of who you really are down deep.” “thorough. You may even recognize the type of goals that attract you. Some people excel at social endeavors like arranging parties or special events. some may be more physically oriented. while others could relate more to mental functions. like academic work. You’ll begin to see how that person might emerge in the next stage of life. As you think about the things you’ve done that you have enjoyed and made you feel good.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. Let’s say for instance that when comparing the events above words like “organization. Look for patterns forming.Knowing Yourself 3.” and “selective” came up in one form or another with each of the three achievements.
Maybe your mom has always said you are hard working.” 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. And maybe your list reveals a part of you that loves physical activities and accomplishments. That means laying the mental framework now for the physical action you will be taking later. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. you are on your way to getting there. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. Or you may be the employee that handles confidential matters at your company because the boss trusts you most. not in a religious way. You could be someone who inspires others when they go through hard times. You’ve just done an assessment of the qualities you see in yourself and that you find positive. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages. Aiming your thinking correctly requires more Workbook exercises at the start. passion and effort. If you do. 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 . which shows up in words like “endurance” and “commitment” and “perseverance. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors.Lifemoney The world is full of born-again success stories. Write down the characteristics that you’ve often heard people mention to or about you. enthusiasm. So take this time to remember or remind yourself of what you want out of life.
Regardless of how you look at it. Since most of us do a better job with activities we enjoy. Now you have an even better idea of how to play to your strengths as you set up goals for the future. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. you’ll probably find that you are drawn to things you think are fun.” -Derek Jeter 45 . This makes it that much easier to achieve your goals. we’re playing a game.Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. It’s our job. It’s business. but I don’t think you can do well unless you’re having fun. 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 need to keep this in mind as you plan your goals and how you will reach them.
It’s part of being human. right? I do. The machinery isn’t working right. As soon as you say.” you’re finished. Everyone has flaws! But successful people understand the value of admitting to a weakness. Maybe you have a lazy streak (sometimes I do). Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . “I don’t have any major flaws. you can get into some real trouble. I got the materials (or information) late. I didn’t know what I was supposed to do. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. My mom’s cat died and I had to bury it. Everyone has weaknesses. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good. working around it or improving it. you will never be able to deal with the issues that are holding you back from success. You put things off. You do. As long as you keep fooling yourself. and moving on. But if you don’t admit to those limitations. I have a saying: denial does not change reality. and then do a half-hearted job when you get around to them. But all the while.Lifemoney What Are Your Limitations? Let’s be honest.
For instance. what good is all that positive self-talk? 47 . even deciding how to invest the extra money you’ll be making. like being able to say “no” when you don’t want to do something. 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. These could include personality drawbacks. like shyness or arrogance.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. you can have the best intentions in the world when interviewing for a new job. 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. or not taking shortcuts on a project. You also can add things about your character that could benefit from improvement. Now write down a few of your weak areas. But if you’re late to the interview.
is useless if you don’t act upon it. for their triumphs. that’s just me being me. Bill Gates. They did what it took to climb the mountain of their success. so take action. for their strengths 3. and their efforts paid off. 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. You may want to start working on these weaknesses one at a time until you start seeing better results. There are so many things you can do. Of course. it’s easy to throw in yet another excuse about finding the time to make these changes. get rid of it. for their actions. But remember that people like Donald Trump. the minute you start passing the buck. especially self knowledge. they blame themselves In other words. for their failures. for their weaknesses. Eat breakfast on the way and tie your tie in the parking lot. Knowledge. don’t write it off as a cute character flaw. Always assume personal accountability. Don’t blame the weather for being late. Don’t blame the product for being inferior. for their inactions.Lifemoney Successful people don’t write off damaging personal traits as “oh well. Derek Jeter. they blame themselves 4. Take stock of their weaknesses and work hard to improve them 2. and Russell Simmons didn’t earn their millions by making excuses. And action means work.” Instead. they blame themselves 5. 48 . Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. they: 1. Don’t blame the economy for low profits.
Another example was a short lived photo search engine called Riya. What matters is that you freely explore any path you wish until you find the one you are destined to travel. Whatever your interests and skills. you can find a path—or blaze a trail—that will lead to your personal happiness. the lessons learned provided the originators with priceless information which allowed them to create Like. But within weeks they discovered that their great inventions were totally useless. For example. if you like words and books choose a different road to your success such as writing or communications. Google created an early version of Google toolbar with all kinds of great features.com. Maybe you’ll take a route that no one in your family or neighborhood has tried before. Then be fearless about taking it. Using mistakes as useful information is the way many large companies are innovating. They decided to view “failures” as information sources for building new things. 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. If you’re good with numbers. then choose something that includes some type of numbers work like accounting or investments. So rather than dubbing the whole project a failure. then do the work it takes to eliminate weaknesses and build on your strengths. Many people have failed at that. Or then again you might end up on the exact same path your grandfather took a century ago.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. 49 . Though it was a full blown failure. On the other hand. Or it didn’t last. one of the most successful photo search engines on the web. They treat everything they try as an experiment. they viewed the results as useful information. Maybe you’ve already tried success “your way.” but it didn’t work.
Starting with a little mouse. Walter Elias Disney. and a worldwide store chain. a publishing house. Disney founded a $20-billion media conglomerate that includes a TV network.P.. It’s easy 50 . Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. Morgan was to finance. I’ve lost almost 300 games. Twenty-six times. and Japan.S. And that is why I succeed. Disney was to fantasy what J. Consider one the top 50 business influencers of the 20th century. I’ve failed over and over and over again in my life. and they don’t let lack of money or support stop them. a film studio.” Just think of that for a second.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. “It all started with a mouse. Many successes start right where you are: not knowing themselves very well and beyond broke. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories. As Walt himself recalls. Theme parks with the Disney name are located in the U. an Internet operation. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. France. I’ve been trusted to take the game’s winning shot and missed. But they know enough about themselves to know what makes them passionate and hungry.” -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.
such as getting in great physical shape. but what if it’s never been done before? That’s the dilemma Walt faced. landing your dream job. This is done for two reasons. never tell yourself that you can’t do something because it’s never been done before. or building financial security. Under each thought you write. Walt Disney held firm to what he knew. Goal Achievement Exercise E Take out your Workbook. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about. 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. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish. He stuck to his singular vision of himself and is now revered as nothing short of a genius. One. Two. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. failure and distraction along the way. finding a life partner. Through rejection and derision. But more importantly. Now. list the qualities that you think you would need to achieve them. Stay centered on who you are and the goals you want to achieve. So let me ask you again. The reason for this exercise is to begin the process matching your abilities to some of the things you want. never let the world tell you that you can’t do something just because it’s never been done before. as well as any new talents you may choose to develop along the way.Knowing Yourself to imagine success when it’s already been done before. it will help you understand if you are looking for success in the wrong places by objectively 51 . Remind yourself of the unique skills you bring to the process.
making a million dollars doesn’t necessarily mean you will be happy. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. knowing yourself and being true to yourself makes you successful. 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.Lifemoney highlighting what’s required for success. Know yourself and double check your motivations for success. you must understand why you feel a million dollars will equate to happiness. Make Less . screaming fans. What remains important is that you feel successful at every step of 52 .Find More As you learned in Lifemoney Lesson #1. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. adoring women. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. because he knew he couldn’t be happy doing anything else. For example. the Hollywood Dream – and he left it all behind to risk his life and fight fires. Here was a guy who seemingly had it all – loads of money. if you want to make a million dollars. Knowing Yourself. and comparing those qualities with what you deeply desire to develop within yourself. be careful what you wish for. because when you get it. Why? Turns out he had Lifemoney Lesson # 2. Understand that fortune and fame doesn’t equate to success. it might not be what you expected. In other words. down cold. As an example.
or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership. today. where they are right now. They recognize that success is a journey. he asked the locals if there was a fishing boat that went out daily. and that to skip the rest stops. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii. the two men took the boat out on the seas. and that most of his day was spent with his wife and children. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water.. like “I’ll be happy when I make my first million. obstacles and roadside attractions along the way is taking away from true success. While there.Knowing Yourself the process. 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…. the executive was impressed with Fisherman Joe’s skill and 53 . detours. While waiting for the fish to bite.” you’re in the conditional happiness trap. but that he only went out to fish a few hours each day. So many of us set conditions for our happiness. progress at any price should be more than most of us are willing to pay. and enjoy. The businessman had no problem going out for just a few hours while his own wife visited the spa. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide. The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege. Although success is a worthwhile goal. Fisherman Joe told the executive that it would be a pleasure. The next day.
Just a couple of hours a day supplies all my needs. and did not really enjoy what he was doing. would aid his partner’s goal of taking their company public. I know their habits. had no problem and 54 . After a slight hesitation. The two men moved the business headquarters to Los Angeles. Joe knew that being in L. After five grueling years. Soon business was booming. “and take home what’s leftover for dinner. asking if he could cash out his shares and return to Hawaii. “How do you get so many in so short a time?” the businessman asked. “I sell most of ‘em. who had reached his goals. The prosperous businessman. He spoke to his partner. Joe agreed. “How would you like to go into business with me. Fisherman Joe went from working full-time on his boat to getting three boats.A. truly amazed.” “What do you do with them all?” the business man asked.Lifemoney ability to find the best spots to reel in a terrific catch for the day. “After so many years. Joe decided he could not take this life anymore.A. and then working a fleet. Although Joe was reluctant to leave his comfortable home and family while working in L. The business life was not satisfying. Working day and night was more than he had expected.” Joe replied. as though he was unaware of the value of his skills. But Joe was now worn out.” The shrewd executive knew a good thing when he saw it. and remove himself from the enjoyable part of his business—fishing—he did it anyway. they finally went 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. for the man seemed unusually humble. Finally. Joe shrugged.
But Joe found it a waste of five good years of his life. so I can fish a few hours a day. The interviewer was amazed by Joe’s journey and the story behind his success. that’s quite a journey. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success. This journey was quite productive. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. 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. it is.. but he ventured away from it for more money.Knowing Yourself wished Fisherman Joe well. Two very different men viewed the exact same experience in two very different ways.” Joe replied thoughtfully. the entire experience had been a detour from Joe’s own sense of success. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. and then I am going to spend the rest of my time with my family. “I’ll get a small fishing boat. Before Joe left. It’s that you should know what you want out of life. and many might have found it fulfilling. a popular magazine interviewed him. He already knew what success looked like to him. In the end. “From fishing a few hours a day to a multi millionaire.A. “Yes. his journey brought him right back to square one.” 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 .” the interviewer commented. and he ended up doing exactly the same thing. what are you going to do?” Joe replied that.
The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. If you don’t know where your talents lie or still don’t know what you feel you would be good at. just understand the obstacles that you are going to face. No one knows better than you where you feel confident versus where you feel unsure of yourself. and if you work in a field that doesn’t match your natural abilities. you may find your work unrewarding. unchallenging and even difficult. Assessment testing can also help find your natural strengths. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. go for it. Sometimes it will take that much more work. They can measure your characteristics and ability to acquire additional skills. take an aptitude test.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. Certain occupations will be a better fit for you than others. Do you have that drive? If so. But he is the exception to the rule. Lifemoney Currency Understand that fortune and fame don’t equate to success. who not only played professionally. Aptitude tests can provide some insight into your talents and abilities. time. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. A local community college may also offer these assessments free of charge. -Brad Turk 56 . and effort to reach something that is much harder to attain. being true to yourself and finding your happiness makes you successful. Is that a realistic goal for you? It was for Spud Webb. These assessments are available all over the internet or by looking in the Yellow Pages.
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.
“There is no discrimination against excellence.” -Oprah Winfrey
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.
“View mistakes as missed takes - take mistakes and learn their relevance.” -Brad Turk
Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles
“You should set goals beyond your reach so you always have something to live for.” -Ted Turner Overview
Every journey needs a beginning. Planning, road maps, and packing are what prepare us for the trip that lies ahead. Although you are probably excited to hit the gas pedal and get rolling, overlooking these planning stages could set you on the wrong course. This Lifemoney Lesson prepares your navigation system of goals, action steps, and timelines and will give you the knowledge to handle the inevitable obstacles that will come your way.
A Quick Review
Let’s quickly review. In Lifemoney Lesson # 1: Defining Success you took the first step in your quest for success by understanding what success means to you and
Lifemoney forming an idea of the type of accomplishments that will make you happy. Lifemoney Lesson # 2: Know Yourself helped you learn more about your true wants and needs, and made you aware of what personality traits you will need to get you there. Now, in Lifemoney Lesson # 3, you’re ready for the next step on the path to selffulfillment: Goal-setting. This lesson will guide you through the process of creating some goals, developing an action plan behind your goals and deciding what you need to do in order to achieve your dreams in a timely manner. Let me start with a great story that illustrates two people with goals. One person has a goal with a plan and the other person is totally unscripted.
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
For instance: • Goal: Starting up a home-based travel agency 61 . Kanye West vs. make a list of your top 3 goals that. Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal. Mr. would make you a happier person. when accomplished. It’s time to write some goals right now. For two full days this artist could not come up with the resources for even a $2 token to get there. 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. For this exercise.or the opinions of others . 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). Goal Achievement Exercise F Take out your Workbook. Every successful person I know has clear goals they’re reaching for. Nobody.Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. 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. Once they decide on that goal. Now let me tell you about another hip-hop artist you’ll probably never hear about. It is the first step of turning the thought of doing something into the reality of achieving something.to side track their journey. And they don’t allow $2 tokens .
stronger. Now is your time. They happen every day.even thousands of people who have applied action and planning to make their dreams real. that’s natural. get started! 62 . Dreams are real and they do come true if you follow this path. Those people are not smarter. or better than you. or read a book and you’ll see hundreds . listen to the radio. it’s often hard to see them as real. The problem with dreams is that we’ve dreamt them for so long.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. Relax. Just watch television. they simply learned these lessons a little sooner and applied them a little earlier.
etc. break the list down into three or four action steps you would need to take in order to reach that objective. We all know that goals just don’t happen. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal.) iii. Goal Achievement Exercise G Take out your Workbook. Clear space for new furniture 63 . Schedule exam • Build out basement to accommodate office i. Order a separate phone line from the telephone company iv. Let’s set up an action plan for your goals right now. An action plan is just a series of steps you plan out ahead of time to take systematic action. Find out construction costs for renovation ii. Prepare for exam iv. Understand the testing process (where given. What bridges that gap? Action steps. Research classes that offer test preparation for agent exam ii. Start looking into office furniture and equipment iii.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. Below each. 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. 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. timeframes.
Let’s say you want to own your house debt free within ten years. 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 . Figure out a budget of what the business will cost ii. Figure out what amounts of money will be needed to live off of while building the business iii. deadlines slip sometimes and you have to readjust your schedule. Sure. but they also add urgency to their goals by making themselves accountable to deadlines. Now you’ve written goals and some action steps that lead to the goals. Successful people know that there are few assets as valuable as time. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable. 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. but without a schedule to start with you’ll never know if you’re slipping. Start putting away money weekly toward travel agency iv.Lifemoney • Raise and save enough money for expenses and salary cushion i. objectives and action steps.
Schedule changes or circumstances may require adjusting a date now and then. give yourself six months. 65 . The goal is still reasonable. but for the most part. many people leave this step out and things just never get done. As a result. You’ll need to adjust. Beside each of the objectives and action steps. and then they set times and dates when things will be completed. For instance if you want to start your own bakery. not written in stone.Overcoming Obstacles realize that this goal does not have a reasonable timeline. Goal Achievement Exercise H Take out your Workbook. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. but the timeline isn’t given the circumstances. they are guides. objectives and action steps. If you need a year. This is an easy step to take. they identify action steps. 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. but it’s also easy not to take. With a large goal like opening a new business. jot down a date for reaching them. give yourself a year. you should set reasonable deadlines and do everything you can to meet them. be VERY realistic about your timeline. Go back to the list of goals. You must schedule your goals. objectives. Successful people set goals and objectives. and action steps. Unfortunately. Let’s actually do it now. rushing into it is more dangerous than not starting it at all. Timelines do not mean deadlines.
Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. most talented and gifted people I know. “I’m waiting for you to write that last item down. The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline. I actually had a business partner who is one of the smartest. he knew how to compensate for his flaw and it practically never affected his work or his success. Anything of importance that needed to be followed up on was immediately put in his Palm Pilot (that was/is his tracking and “things to do” vehicle). His solution was to write everything down. About 30 seconds of silence went by and he asked me why I became quiet. I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. Like most successful people. I stopped and paused. I learned early on a major flaw that he had that amazed me. Write It Down Words are priceless. Written words are also great for organization and focus. you might have to adjust your action steps or your due-dates to make them more reasonable. I told him. After he said he was going to take care of one of the items that I did not want to do. He probably had the one of the worst memories I have ever seen.” 66 .Lifemoney If you keep on falling behind and have to reset your dates. Never underestimate the influence of actually seeing your goals written out and in front of you every day.
Set aside some time each morning to review your list and begin working on the listed tasks. and visualized steps. set deadlines. realistic. Here are a few tips for using your daily “To Do” list: 1. reserve a block of time to do what needs to get done. 67 . moving you closer to achieving your goal.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. measurable. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. tasks first. Depending on how organized you are. over time. Every day you should be aware of all your goals and the steps needed to attain them. you may need to break down the week by hours to make sure you are managing your time properly at first. even if unpleasant. and plan specific.” -Les Brown Goal Achievement Exercise I Make a daily written. Keep it in the notebook you have been using or in a calendar program that you can keep handy. You may not get everything you had planned done in a given day. but you will make progress and. annoying. you may be able to do more things in a day. You should get the boring. “To do” list which you will reference daily. and anxiety producing things out of the way when you have more time. committed. Do the important. For goal setting you will need to prioritize tasks.
3. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up. and I am happy with it. Although I suggest technology. So if you need post its.Lifemoney 2. I know I could come up with a more efficient method. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. I have a main list at home and a daily list that I take with me. For example. I do this. -Brad Turk 68 . I don’t recommend this method. Computer programs and electronic organizers can save you a lot of time over manual lists. use them! Lifemoney Currency It’s true – if you fail to plan. but it works. We need to take luck out of the equation. Carry a pocket-sized list with you at all times. I will do things like leaving a basketball by my front door. you plan to fail. It’s just something I want to get around to doing more often. Obviously. your PDA or phone alarm as a reminder. 4. even I know it is kind of strange – but it works for me. do what works for you. I want to start playing more basketball. but it is not really a priority that I want highlighted on my daily to do list. It is not in the way. Learn how to use technology. With computer programs and organizers you can adjust lists quickly and neatly. but it is visible and reminds me daily to get out and play.
Most of their larger customers simply wouldn’t take a chance with a smaller. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face. They step up and success is their reward. These companies were offering rates that were about half the price of what we sold. with fewer expenses. Mental and physical preparation is essential to finishing any journey. My problem was that I was the one handling those smaller customers.” Unfortunately. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. The MCI philosophy was “we’re selling on value. There were a lot of smaller companies. Whatever obstacles have been preventing you from starting your journey. and you must be mentally prepared to deal with them. But MCI was not concerned with this. taking market share away from MCI and AT&T. because it mostly affected the smaller customers. newer provider. 69 . I found that MCI was one of the highest-priced long distance service providers on the market at that time. not price.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. now is the time to knock them down forever. Adversity and obstacles will come up along the way whenever you start setting goals. it is extremely difficult to sell value at two times the cost for the same product. Successful people use their Lifemoney skills to look at obstacles as opportunities. not stumbling blocks in their path. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles.
let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. 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.Lifemoney I quickly scrambled to find a solution. Below that. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. The turnover rate for my position that year was 95%. Be honest and write every obstacle and fear you can think of. With firm goals and objectives in mind from Exercise F. Lifemoney Currency “If you don’t like what’s on TV. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . Then come up with the solution/objective and an action plan. but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. I started looking for other products to sell even though long distance was supposed to be our main focus. 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. 95 left or got fired. Describe one of your main goals in a sentence or two. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. This was the beginning of a booming market. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. Luckily.
so that you will 71 . So is flying an airplane impossible? Of course not! People fly planes every day. • I don’t have a plane. These obstacles come in all sizes. People just like you and I. etc. etc. find an online interest group. they add action to their goals and steps and turn dreams into reality. • I can’t afford a plane. and manageable. etc. but they are action heroes. so you will need to spend some time figuring out the possible or probable barriers to your goals. 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. and colors for different people. Objective: Research planes and prices Action Plan: Go online and research planes. 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. clear. Objective: Find out about buying a used plane Action plan: Find out about bank loans. shapes. Objective: Take Flying Lessons Action Plan: Research Classes. focused. So how do they do it? They are not superhuman. start a savings account with regular deposits. It’s like your teachers used to say in school: “You’re only cheating yourself”. Each part of this process should be specific. save money for classes.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams.
” -Brad Turk Three Huge Obstacles In my life as a successful businessman. As with this goal of flying. Number 1: Procrastination 72 .Lifemoney end up where you want to be. making excuses. you’re probably going the wrong way. All of these steps we have completed so far help you get focused. and 3. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1. That’s because life is supposed to be a challenge. stay clear. we learn from our success and failures to meet the next obstacle with even greater results. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. procrastination. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. allowing failure to be an option. you’re probably going the wrong way. Let’s examine each of these and ways you can beat them every time. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles. When we face challenges and overcome them. Lifemoney Currency “They say if everything’s going your way. and manage your way to achieving your goals. the goal suddenly seems reachable. your real goal at first may seem almost impossible to reach. or even when we face them with not-so-successful results. 2. They say if everything’s going your way.
” “I’m over-committed already. 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. too. 73 .” “It costs too much.” “I don’t know where to start. procrastination is one of the worst enemies of success.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination.” The list goes on and on. To me. and some of us are experts at it. or avoid taking action steps once the plan is made. We say things like: “I’m too busy.” “My husband says it won’t work.” “I can’t find a minute to myself. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4).” “I don’t have the help I need. It’s easy to put off making a plan for starting the journey to your goals.” “I’m too tired.” “My wife’s nagging won’t let me think.” “The kids need me right now. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments. 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.
or things (Xbox/housework/chores). You’ll feel better after you do. • Avoid people or things that will take you away from what needs to be done. Example: You are on the way to the gym and your buddy calls you to go out somewhere.Lifemoney Lifemoney Currency “The world is full of willing people. Maybe after that is done and your body is in motion. • Do a part of the task. you might be feeling up to doing the cardio.” -Robert Frost h i nk about that quote. Even pick one of your favorite exercises to start. Just do it! Example: When it’s time to go to the gym. Just get up and go. just go and focus on doing the weight training. do “a part” of the task. places (the mall). Or don’t think about not feeling that well at the moment. Example: If you’re not feeling well and you are supposed to do cardio and weight training. be they people (your lazy cousin Eddie). You tell T 74 . some willing to work. Don’t think to reschedule it for a better time. We all know time-suckers. Don’t think about the whole thing. go. Instead of doing the dreaded cardio. the rest willing to let them. Maybe a part that interests you most. 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. not the task.Overcoming Obstacles him you can’t but he is persistent. fold it up in their wallet. I’ve seen people literally write down “make a million dollars this year” on an index card. Example: If you don’t feel motivated to go to the gym and you dread having to go. which explains why a significant number will fail or relapse when the going gets tough. get a friend involved or find someone at the gym who keeps the same workout schedule. find a workout partner. You need to be firm and stick to your plans and continue on to go to the gym. All successful people meet their obstacles 75 . You can hire a trainer. Many successful people consciously visualize a result before beginning a task. Yet most of us grab onto great ideas for self-improvement without much thought. don’t think of the exercises that you need to do. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. • Focus on the results. • Find a partner. If he’s a real friend. and spend every waking minute realizing their goal. Sometimes we just need a little outside perspective from a family member. If failure is always an option then success may never be within reach for you. think of how you are going to look at the beach. he’ll be waiting for you when you’re done. For instance. colleague or friend. visualize the result you’re after. 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. • Write down why you’re avoiding the task. not the steps it takes to get there. While this may be extreme.
If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed. 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. He persevered until. Stallone refused to fail. Sylvester Stallone went through huge trials and tribulations as a writer. star and creator to see his project come to life.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. Much like the boxer in his now famous movie. he found a movie studio willing to buy both his script and his portrayal of the main character. at last. you may never know. How far are you willing to go for success? If you concede failure before you even begin. 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. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. then ask yourself questions like these right now to avoid making failure an option: • • • • • • What type of lifestyle changes do you plan to make? Do you need to move to a new place? Should you change jobs? Do you need a different eating plan? Do you need to make time to get more exercise? Which skills will you need to develop to improve your capabilities? 76 . Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie.
You might feel too old to reach your goals or that it is too late to realize your dreams. Life circumstances and 77 .Overcoming Obstacles • • • • • Do you need technological expertise? Should you take a class? Should you attend a marriage seminar or see a marriage counselor? Should you seek help from a professional consultant? Who do you know that could be a possible business partner or help you connect with the right business partner? • Do you need to network with others in your field to enlarge your knowledge boundaries? • • • • Will your current job or career environment support these needed changes? Does your company recognize and reward growth? Can you make more money or advance more rapidly at another company? Does your company pay for tuition reimbursement? Answering these questions might require some habit changes. if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. Emotionally speaking you may be thinking it’s too late for you to change. At the age of forty. But it is never too late to achieve your desires. you may be tempted to light up with your buddies at the bowling alley. This becomes a lifestyle challenge that you must address. For example. my sister enrolled in medical school. Being a doctor has been her desire since she was a child. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights.
they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do. The bottom line is. Lifemoney Currency If failure is always an option for you then success may never be. Start with one goal at a time. working overtime to prove your usefulness. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. Rather than making excuses. like earning more money by asking for a promotion. maybe even a small one. be definite and defined about the action you will take and when you will take it. Your elaborate reasons will not impress anyone. -Brad Turk 78 . when you make an excuse for not doing something. Excuses are probably one of the biggest obstacles that keep you from achieving your goals. Number 3: Making Excuses Excuses are very powerful. the thing you were suppose to do did not get done. This is just not acceptable. Your action steps might include dressing the part of the higher position. and approaching your supervisor at just the right time to maximize your chances for success.Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. But guess what? Excuses are worthless! There is never a need to make an excuse.
_____ 2. action steps. We need to do everything in our power to make them happen. I am ready to create goals. timelines and an idea of some of the obstacles you’ll face. That means creating a written plan for reaching a specific goal. objectives. Let me repeat: NEVER FORGET to anticipate that obstacles will come up. 79 . I have a good idea of my action steps to reach each goal. We need to do everything in our power to make them happen. Whatever you do. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. remember that when this process is complete you are ready to step on the gas and head on toward your destiny.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. and then tally your score. Lifemoney Currency: Good things don’t just happen by themselves. Being prepared to face them is a huge factor in overcoming them when you meet them. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. The plan should list the goal.
I am looking to see how technology can make my life easier.Lifemoney ___ 3. I have created a timeline for my action steps that appears to be reasonable. _____ 8. _____ 6. I am ready to stay committed to my written plan and see it through with daily reminders.” -Brad Turk 80 . I plan to tackle the more difficult things on my “To do” list first. Lifemoney Currency “Excuses will get you everywhere. I am ready to adopt the mindset of someone who will be successful. No excuses: I will not let myself off the hook. _____ 7. _____ 10. ______5. Just not where you want to go. I have thought about some of the obstacles I may face. I have plans to fully and completely address all roadblocks to my success. _____ 4. _____ 9.
time management. inventing the wheel. 'Good job. The five tools are focus. “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. efficiency. Yeah. Learn to use these five with skill and you’ll achieve whatever you can dream. discovering fire. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. you’re right. My favorite is the one where a television anchorman says to the caveman. and laying the foundation for all mankind. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals." Overview Success requires the right tools.' it would have made me actually look and feel ridiculous. good point. like walking upright. priorities and commitment. well done. awesome.” 81 .Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned.
Lifemoney We’ve been innovating and making tools since we lived in caves. successful people use many of the same mental tools – and use them well. cars or computers . you need to select and develop the tools that will help you achieve your goals. Technology is just a tool. Now that you’ve made up your mind to go after your dreams.” -Tom Clancy 82 . 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. 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. If you stop to think about it. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make. People use tools to improve their lives. Though different tools may suit different people best. We create mental tools to help us achieve greatness as well.our tools surround us. There was a time when people had to be told how to use a telephone. Whatever the task requires . nearly everything in our world is a tool.stoves.
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.
“The successful warrior is the average man, with laser-like focus.” -Bruce Lee
Goal Achievement Exercise K
Take out your Workbook. List the typical distractions you face in a given week. From unwanted phone calls to sorting email, write down everything that takes time away from more important matters. Here are some possibilities: • • • • • Yard work House chores Chatty neighbors or co-workers Last-minute errands Television, computer, or video games
Beside each distraction, write one or two ways of seeing through the distraction, as shown in the following examples: 1. Yard work—get the kids to help more; hire someone to do it; schedule certain days for it. 2. Unplanned errands—do what you have to; postpone non-essentials. When you identify your most frequent distractions, you can stay more focused by spotting them early and seeing past them. The key to laser focus is recognizing what
Tools for Success throws you off focus and planning what you will do about it ahead of time. There is no substitute for knowing exactly what drags your focus off point.
“A major part of successful living lies in the ability to put first things first. Indeed the reason most major goals are not achieved is that we spend our time doing second things first.” -Robert J. McKain
Tool #2: Time Management
Imagine there is a bank that credits your account each morning with $86,000. It carries over no balance from day to day. Every evening the bank deletes whatever part of the balance you failed to use during the day. What would you do? Draw out ALL OF IT, of course! Each of us has a bank like this. It’s called TIME. Every morning, it credits you with 86,400 seconds. Every night it writes off as lost whatever amount of that precious, precious time you failed to invest to good purpose. It carries no balance. It allows no overdraft. Each day it opens a new account for you. Each night it burns the remains of the day. If you fail to use the day’s deposits, the loss is yours. There is no going back. There is no drawing against “tomorrow.” You must live in the present on today’s deposits.
Lifemoney Invest it so you get from it the utmost in health, happiness, and success. The clock is running. Make the most of today. Consider the following list which has circulated on email listservs many times. To realize the value of ONE YEAR, ask a student who failed a grade. To realize the value of ONE MONTH, ask a mother who gave birth to a premature baby. To realize the value of ONE WEEK, ask the editor of a weekly newspaper. To realize the value of ONE HOUR, ask the lovers waiting to meet. To realize the value of ONE MINUTE, ask a person who missed a train. To realize the value of ONE SECOND, ask a person who just avoided an accident. To realize the value of ONE MILLI SECOND, ask the person who won silver in the Olympics. Time is far more valuable than money, personal resources, and sometimes even health. Why? Because it is the one thing you can never get back. Once a moment passes, it is gone forever. You have lost the chance to make good with it. All you will have is a memory. If you are wise you put your time to good use – just like you invest money in the bank. But if you are careless then time will be wasted, leaving no significant memories and giving you no investment for future use. Time is the ultimate variable between success and failure. It is extremely rare to find a successful person who doesn’t manage his or her time effectively. Find ways to
Third.” Can you imagine being 74 years old and wishing you had another year to spend with family or making a contribution to society? Use your time wisely by preparing a balanced schedule that allows you to spend time doing all the things that mean something to you. or reaching that goal you think you just don’t have time to reach. driving to the store. weeks. months and even years. Second. Take it a step further and think of how much time we waste every single day.Tools for Success manage time well and you become a master of extra hours. In his latest book. The next time you’re tempted to spend time where it won’t count for much. First. be very clear about what you’re trying to accomplish each day. 87 . only sleeps 4 or 5 hours a night. Just pride yourself on finishing projects and never allowing them to linger unfinished. enjoying your family. interesting. busy with multiple high-profile projects including a daytime talk show and cookbook empire. ignore the invitation and do something constructive. If you’re unclear about your objective you’ll be unclear about the time you’re spending. let alone two or three. Donald Trump suggests sleeping only 4 or 5 hours a night. contributing to the community. think of the extra hours you could find just by adjusting to one less hour of sleep per night. insists that she. While this may be extreme for you. or useful for others or yourself. days. To manage your time better I would suggest four things. or browsing the classifieds or eBay for things you don’t need. finish whatever you start. Trump: Think Like a Billionaire. minutes. If you wasted just 30 minutes a day on surfing channels. like building a career. talking over the fence to your neighbor. after 50 years you would have spent more than a year of your life “wasting time. Extra snippets of time come in the most unlikely places. too. Rachel Ray.
Someone who knows a little something about being efficient is Stephen King. Remember that your time is your time. Lifemoney Currency “The bad news is time flies. While many consider him the “King of Horror. money. The Green Mile and Hearts in Atlantis. all of them bestsellers and featuring such instantly recognizable titles as Cujo. So even though he is not working 10 hours a day on his books. You are the only one who can guard your time – no one else will do that for you. It’s a good lesson for all of us: you might surprise yourself 88 . don’t give into time wasters.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. every single day of the year. the author of some of the world’s most popular novels. King has consistently published three or four novels per year. The good news is you're the pilot. back in 1974.” the author is also the mind behind movies like Stand by Me. except for three: his birthday.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. or any other resource you have available. Carrie. Fourth. King has long said he writes at least four hours a day. he is efficient with his time and committed to writing practically everyday. Since publishing his first novel. The Shining.” . and Misery. Salem’s Lot. How does one author manage such a staggering number of pages? The answer is efficiency. the Fourth of July and Christmas. energy.
from time spent with friends to starting a home-based business. My guess is that you will get more done in four focused hours than eight unfocused ones. you may need to reconsider that decision. Ask yourself. You also should get in the habit of counting the “efficiency cost” of each decision you make. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. Goal Achievement Exercise L Take out your Workbook. some activities are more efficient in getting you 89 . weigh each one with a view to your goals. Not pushing paper or daydreaming.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. 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. Let’s do an efficiency exercise. 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. but efficient work. when you get the chance to make decisions. Everything in life has a price tag. From now on. In other words.
Ride your bike to work to relax and get some exercise. consider making changes like these to enjoy life now while working toward a better one for the future: 1. but efficiency of performance is what wins the game for the team. 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. or even minor. decisions: • • • • How much will this cost in terms of money. In order to focus and spend 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. For that reason. especially future goals. get in the habit of asking questions like these before making major.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. Some things are worth their cost but others can end up draining your resources and bankrupting your investment.Lifemoney toward your goals than others. To better manage your time and utilize your time more efficiently. Using time efficiently is a huge obstacle for many people who are would be success stories. 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 . time.
6. 5. we tend to perform those tasks more efficiently. cars break down and bosses demand overtime when you least expect it. television can be a valuable tool. Many programs offer everything from stock tips to weight loss programs to informational documentaries. and make any needed adjustment. Don’t overfill your “To Do” list. Eliminate the hassle by making something you have to do anyway. 2. which can be as little as fifteen to thirty minutes. or both. Get a Spam filter for your e-mail. neither of which fosters success. spouses need our help.Tools for Success to accomplish in the first place. Watch less TV and do something more productive. kids get sick. like getting to work or going to the store. minds. 4. When our “To Do” lists are too full. most don’t. with planning and forethought. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. we can’t perform task after task without stretching our bodies. exercise. Setting aside one hour at the end of every week to analyze how well. When we schedule a block of time. Set aside “unwind time” after work or school. Monitor how you’re spending your time. between important tasks. 91 . or poorly. We are not computers. 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. they often remain unfulfilled. Things do not always go like clockwork. Unfulfilled lists lead to depression and disappointment. 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. you managed your time that week can save you hours the following week by learning from your mistakes. When viewed wisely.
Think of the day you were sick in bed. even when it’s spent waiting for things. and get going to a job so you can take home a paycheck every few weeks.Lifemoney 7. we gain not just precious moments but momentum. there would be so much less to worry about. Tool #4: Priorities What are the priorities in your life? For many. 10. Always carry something to capture your ideas. I usually use car time to catch up on calls that I need to make. especially when it’s spent in waiting rooms. Take a break to relax and listen to music. don’t worry about the rest. you would not have a roof over your head. 9. Entrepreneurs. When we learn to use our time – all of our time – wisely. Appreciate unexpected delays. Without those paychecks. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. Mason Cooley once said. Only focus on things you can control. the day begins with the priority of going to work and chasing a paycheck. wishing you could be outside. get dressed. If you’re stuck in traffic.” Never waste an opportunity to learn. open the window and enjoy the air. complaining is not action. 8. “Worry is not thought. Bring a book to all your “doctors visits. 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. lobby lines. or a car to drive. in restaurants. You get up. 92 . etc. waiting for appointments.” 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. creative people. Use waiting periods wisely. food to eat.
In other words. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now.Tools for Success Another priority for many people is their relationship with family members and friends. You come home to people that mean a lot to you. Do whatever you’re doing all the way. Choose a priority and be a finisher.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. Then commit to giving your best to your life and to your goals daily. and take time to spend with the ones you love. 93 . 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. focus on writing and not the collateral activities that might make writing that letter easier. complete all the important things at the beginning of each day. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. Focus on one step at a time. Second. You can easily become distracted doing this and usually nothing gets done right. don’t spend three hours cleaning your desk so you can get started. If your goal is to write a letter to someone. Don’t do busy work. The need for a clean desk before you can begin is less a necessity and more of an obstacle. 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. Finish what you start when you start something. Don’t multi-task and try to accomplish too many things at once. something or someone important is going to get short changed. The third suggestion for prioritizing.
That will only take me away from my priorities. Take on only what you want to do and say no to the rest. Thomas Jefferson. Fifth. Your time belongs to you. and freed up some of my time to work on other priorities. my partners and I had a synergy allowing us to accomplish more in less time. I never answer my phone unless it is a call I’m expecting. Leonardo da Vinci.Lifemoney Fourth. Even though I had to share the profits. give up the little things that scatter your time and energy. Together. Sure. Michelangelo. 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. One example from my life is that I pay to have my laundry done. Mother Teresa. don’t be afraid to say “no. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. I could do it myself.” -H. You have exactly the same number of hours per day that were given to Helen Keller. create a sense of urgency for important activities that are going to be meaningful in your life. Pasteur. and Albert Einstein. I would often share sales opportunities and business deals so that I would have less work to do. Lifemoney Currency “Don’t say you don’t have enough time. But why spend hours handling that task when my time can be put to better use? Last. it was worth it to me. Jackson Brown 94 . Pay less attention to things that come up but have no relevance to your goal. Sometimes you might want to consider sharing profits or payoffs in order to get needed help.” Delegate worthwhile projects that can be handled by someone else.
Then the real embarrassment came: after going over his working arrangement. consistently. It was something he had to do. However. it was like brushing his teeth. you need to make your goals – things to do – daily activities. You wouldn’t go a whole day without eating. In the last ten years. as he calls it) for over ten years. he told me that he hit the gym five times a week. besides his normal two week break. we call it a mortgage. a key part of your lifestyle. When we make an appointment to see the doctor. we feel obligated to keep that date. he had not missed a single week of working out.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. eating. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. His response was that working out was one of his daily events. they make a commitment to the bank. 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. 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. when someone buys a house. 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. I was amazed at his dedication and commitment. I have a friend who has been bodybuilding (or body sculpting. When I was talking to him about his workout plan. In the same way. For example. or sleeping.
Follow through. give 100%. Go big or go home. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. He went from hanging out and drinking at clubs (I know.500 defective personal computers will be shipped this year 2.000 checks will be deducted from wrong bank accounts in the next 60 minutes. 22. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation. I saw him) to a few months later running 26.488.9% effort were given. because a 99.9% effort will not get you where you want to go. You have no choice really.2 miles.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 • • • 103.200 books will be shipped in the next 12 months with the wrong cover 5. He set a goal and did not stop until he reached it. Here’s a breakdown of how things might look if only 99.517.260 income tax returns will be processed incorrectly this year 2. 1.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.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 . Daddy's House Social Programs and the public schools of New York City. 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.
500 mismatched pairs of shoes will be shipped this year $761. Jamie was already a 97 . wanted nothing to do with Jamie. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20. He even went so far as to tell Jamie that he “would not waste one inch of film on him. Any Given Sunday.” He did not believe Jamie could pull off the part.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880. Oliver Stone.Tools for Success • 3. tomorrow.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.690 will be spent today. often unsafe.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9. The director. 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. 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 • • • 18.000 incorrect drug prescriptions will be written in the next 12 months 114. Jamie could have easily walked away. saying Oliver Stone didn’t know what he was talking about.
They are humble enough not to think they are too good to put in the extra effort. Second. I heard that after Oliver saw the audition tape. Roc. they are confident in their abilities and they stay committed until the task is accomplished. never. never give up.Lifemoney successful comedian/actor. he said that he couldn’t make the movie without Jamie. First. and he had already done many TV shows like In Living Color. Cooper. He had his own TV show. He had also starred in several movies by this point. I think it is fair to say that although it turned out to be a great part for him. Jamie took it upon himself (on his own time and with his own resources) to make an audition tape for Oliver Stone to show the director why Jamie was the perfect actor for the part. -Winston Churchill Gathering the Tools for Success Summary The Five Tools of Success we learned about in this Lifemoney Lesson are all about developing your mental tools to get the job done of reaching your goals. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . The Jamie Foxx Show. remember to get and stay focused on success. Moesha and Hanging with Mr. Lifemoney Currency Never. So that’s how successful people handle getting something that they want. at that point in his career he did not need the role. But that’s not how Jamie viewed and approached it.
” -My Mother 99 . and resources. 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. you go to it. make a commitment to embrace your goals and make them part of your life. Third. make efficient use of your time. talents.Tools for Success second. Fourth. or hour passes it is gone. Last. Lifemoney Currency ”Success doesn’t come to you. minute.
Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. Lifemoney Currency ”What you can’t fix. I am taking steps to avoid or redirect or see beyond these distractions. _____ 10. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I am “do or die” committed to doing what it takes to reach my goals. and then tally your score. I have begun sorting high priorities from non-essentials. _____ 7. _____ 6. _____ 2. I have evaluated my schedule and am eliminating the time-wasters. I am willing to delegate some tasks to others. _____ 9. I am determined to include my goals in daily lifestyle activities. _____ 8. _____ 5. _____ 4. change or impact – You can’t worry about” -Brad Turk 100 . I am taking specific steps to make better use of my time. _____ 3. I have made a list of the major distractions in my life. I have identified my focus and am ready to pursue it wholeheartedly. I am learning to make choices that will lead me toward my dreams.
your plans for reaching your goals are in play. and one day you look back and you’ll be surprised at where you might get to. one giant leap for your life. You add them all up. Gardner believes he has over $600 in the bank. compassionate and ultimately successful man named Christopher Gardner. Progress Report When Will Smith played the lead character in The Pursuit of Happyness. to 101 . he took on the role of a complicated.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count. as long as you are going forward.” -Christopher Gardner Overview Finally. but just starting down the road to success is one small step for you. At one pivotal point in the movie. only to find out later that the IRS has seized the bulk of the account. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. You may not feel like you’re making much progress yet.
to do everything that you want or need for your dreams to become reality. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. shipping and delivery of the first 2.500 shirts to local retailers. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. When things take time. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. But this motion is not complete unless you are taking active steps to measure your progress and know where you are on your journey at all times. It will cost about $5. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. you need your plan clearly laid out and a means to track how you’re doing. Busy work doesn’t get it. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. if not years. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. including printing. The resulting loss sent Chris and his young son onto the street. Instead. it will most likely take months. But don’t worry: patience and paying attention brings progress toward your goal. 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.000 for everything you need to get started. 102 . While the event seems tragic. For example. You’ve decided that you’re going to launch your t-shirt line six months from now. filled out paperwork for an extension. it’s easy to wander and not finish the essential steps that lead to your goal. and literally withdrawn it from the account.Lifemoney the tune of $600.
but by all means use something. Keep it simple. Was it out of reach? No. Were you on track? Yes. where you’re going and how you’re doing. This messes you up because initially you only needed to deposit $110 in the account each month. but a big 103 . It’s been a year since you made the decision to launch. But when you check you notice that there is only $4.040 in your money market fund.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. Don’t forget the map! The solution to this common problem is either a chart of your own making. Was the goal bad? No. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch. shipping and delivery – into place. The simple reality is you need one single visual reminder of what you want. This means that you will need to save $960 in the next six months. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. What happened? Well. We often just assume things are going to work out once we have our plan in place. 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. I prefer a big calendar. In this example. What happened? Most likely – you made a bad assumption. or about $160 monthly. you simply failed to keep track of your progress. 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. electronic calendar or some other external system. a daytimer. and you recall spending $300 to get a new bicycle.
Your reminder system should have several key components. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. I make sure I regularly review my objectives.Lifemoney piece of paper would do. Remember from Lesson #3 these are like “mini” goals that help you reach the larger goal or break the larger goal down into easier pieces. I write these action steps in clear and direct language using 104 . make this sheet physically easy to see as you go through your day. As you can probably tell. 2. Here are my basic elements: 1. Let’s find out what they are. They are items that need to be accomplished to get me further toward my goal. List a Goal: This is where I simply write out my goal – one goal per sheet. Written goals are powerful. I’m addicted to simplicity. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. so I’ve broken down my own personal system into five easy to monitor factors. As always. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. It’s important to monitor each goal separately so use a separate sheet/planner for each goal. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. 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). 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. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. Also. 3.
Goal Achievement Exercise M Take out your Workbook. I have found that the more specifically this is worded. Now it’s your turn. Completion: I always mark the date when I’ve achieved each objective. a popular time of year for making new resolutions or resetting ongoing goals. 5. If I reach my objectives. 105 . If I do all my action steps. Closure on my objective always makes me feel good. We’ll start with January. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. 4. Charting your journey in writing helps to make the whole process seem more real. and is a great marker of progress toward my goal. and keeps you in touch with the realities needed to make your goals happen. I am going to use an example of setting a goal of becoming a better golfer in a year. Take it out for review often to make sure you are headed in the right direction. creating objectives and action steps. You can find lists of action verbs by doing a quick Google search for lists of action verbs.Evaluating Progress action oriented words. I reach my objectives. How you arrange your grid is up to you. Create a grid that lists basic steps for reaching your goals. I will reach my goal. but below is a model that provides an idea of how yours might look. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. the more accurately I can tell if I’ve reached what I originally envisioned. as well as your response to them.
to work toward your goal. and how often. When you go back and check your grid periodically. 106 . by the way. Call for subscription to Golf Digest. will be spent revisiting an earlier action step. Some weeks. Action Step I will take 2 hours during the first week of this month to write out my plan. 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. you can quickly and objectively measure your devotion and success in chasing your dream. I will surf Internet for local golf pros. Even if you don’t fill every moment with related tasks. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. Read one golf magazine article per week to learn more. Outcome I will enjoy my golf game more and feel a sense of accomplishment. I will make the time to sign up for lessons and commit an hour a week to practice. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player.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. pros. keeping a grid like this one will show at a glance what you are doing. Check yellow pages for indoor putting green. Year-round practice will improve my skills. and equipment of golf. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. Learn terms. Enjoy the thrill of getting better. For instance.
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. To find out if you’re off track I suggest you find out what you did wrong. Evaluate the input. If. it also forces them to be specific. you could switch to a physical activity approach in conjunction with. the diet routine. remember to adjust the steps to getting there. 107 . Fortunately and unfortunately. and you found little change in the numbers after a few months.Evaluating Progress If you decide to change your goal for whatever reason. “Please tell me the three things you liked least about what I did. “You did nothing wrong. I liked it all. Ask good questions Most people want to know what they did right. chances are it is correct. or instead of. even if that means rotating new activities through the process until you find one that works best for you. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. you are now going to get a few things that they were not that excited about. This is good. for example.” To get better information ask. For example. Find something that works.” This makes them think. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. If you get the same input from different sources. Ask for outside input from people you trust to be honest. Make it easier for them to evaluate you by asking the right questions.
however. I’ve been wrong on many occasions. 108 . and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. You’re allowed to discard opinions if you have a strong impulse that they are wrong. Don’t be afraid to be off track—or even outright wrong. He was told that his best hopes for a career would be as a carpet layer. Analyze the critiques and use them as you see fit. don’t reject impressions just because they are negative. Before you open yourself up to criticism. which is totally worthless. In 3rd grade he was sent to a school for mentally challenged children. Criticism is good – it lets us see a different side of ourselves.4 billion was thrown out of 2nd grade. You don’t have to take every piece of advice that’s offered.Lifemoney Welcome criticism Some of the comments you receive might include criticism. Keep in mind that not all opinions you get will be accurate. just listen carefully and ask how you can do it better. If you argue or make excuses. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2. It also lets us know how others see us. 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. people will stop telling you what they really think and say only what you want to hear. When someone tells you point-blank that you’re going about something all wrong.
Good thing he didn't. far-reaching. His name was F. your banker. and how to get there in the most efficient way. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. or we wouldn't have his incredible. • Albert Einstein struggled in high school math. taking a personal finance class. and film. or an investment agent to discuss planning strategies that can make this possible. the phonograph. Woolworth. His last headmaster said he'd never make it. You might even want to get several opinions and weigh several options before making a final decision. Yet. if your goal is to retire at age 45 meet with a financial planner. or attending a money management workshop are additional ways of becoming more knowledgeable.W. he never gave up. His bosses thought he lacked the common sense. founder of Woolworth’s and modern department stores. Before being home-schooled he was kicked out of three schools. where you want to be. Registering for a financial planning seminar.Evaluating Progress • Thomas Edison was told he was not teachable. With his creative mind he patented over ten thousand inventions. including the light bulb. • • Walt Disney was once fired for a lack of "good ideas. and creative theory of relativity that has shaped modern physics. Get enough information to provide a clear picture of where you are currently. that he was a screw-up.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. These also help to make sure you have a realistic goal set and that your 109 . He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. For example.
K…. keep track of your progress. daily steps that carry us the furthest distance. the loss of a job. As you try to achieve your goals. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day. Some people even use something as simple as notes. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. a death in the family.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. and your progress to see if adjustments are needed for a better chance at a successful outcome. this is the time to reevaluate your goal. Either is fine. Watch your goal progress closely Check your daily activities. 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. Above all remember. a great new job offer that comes unexpectedly. as long as you continue to make steady progress. or meeting someone and falling in love. you may get off 110 . your plan. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. Your best skill is your ability to write things down and track yourself. O. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. you still have time to adjust your plan to maximize your chances for success. If not. Notes to yourself. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own.
There are some very good action steps you can take to get yourself going again.” “I have to constantly watch you because you waste so much time. The faster you uncover the weakness within you and address it. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time.Evaluating Progress track too. Here are some examples to get you started. You stop exercising or you start watching a new television series that leads to another new show to another and to another. Then move on to do the same with larger tasks.” “You’re always late.” “You’re stubborn and won’t do as you’re asked. Don’t beat yourself up for being normal. and then outline action steps you can take to address these. the faster you can get on your way. “You always complain and never offer solutions. Goal Achievement Exercise N Take out your Workbook. take this information and use it to your advantage. properly aligned and refocused.” “You work slowly. And don’t forget that sometimes you get off track due to internal factors rather than external ones. 111 .” “You’re attitude is bad. • • • • • • • “You have trouble following through to get things done. We’re going to address some of the internal areas that may get you off track to achieving your goals. List the five most common criticisms you hear about yourself.” Rather than being upset or offended.
gut-level honesty. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. Write down the smaller.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. Especially honesty with yourself about your own weak spots. Being honest with yourself is a powerful tool. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. If you don’t make notes of how you’ve broken down your duties. Fortunately. 2. break the goals up into smaller. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. Then be proactive in making changes to benefit yourself and others. there are many things you can do to address problem areas and turn them around to make negatives into positives. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. come up with a clever solution to some problem the boss is having. more specific steps you 112 . Be honest in soliciting opinions from others and acknowledging your weak areas. Keep these keys in mind: 1. daily pieces that when completed will gradually accumulate and lead to success. I strongly suggest that if you break your tasks down into smaller. you will lose track and wander in pursuit of your goals. • • Finish the task at hand and ask for something to do next. more doable chunks that you make note of it in your planner. Better yet.
Meet with your mentor every other week for feedback. weekly. Read a self-help book related to your goal.Evaluating Progress intend to take. (I speak much more about this in Lifemoney Lesson #6. and be willing to make the necessary changes that will help to ensure success. Stop and reflect on your life more often: When you stop and reflect on your life every month or two. Here are examples of small activities that can be conducted daily. h. daily. b. as well as find inspiration to help you continue to achieve your goals. Seek it out and you’ll find more encouragement than you’ll be able to handle. 113 .) g. d. i. j. f. Seek out successful people for advice: Free advice is all around you. Contact at least one new potential employer each week. Check out at least one set of blueprints for your dream home each month. Work on replacing a bad habit with a good one each month. c. Resourcefulness). Save at least $10 per day for an average of $300 per month or $3600 per year. e. take personal responsibility for the difficulties encountered in your quest. Whatever you do. Review your written goals more regularly (hourly. 4. Make one sales call daily at least five days per week. you will be amazed to see how much you’ve actually accomplished. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. 3. etc. Learn something new related to your goal every month. Have a weekly date with your spouse or child to improve family relations.
factor it into the equation. Every success story is written with dozens of action plans that were brought to fruition through focus and commitment. If anything has changed since you began the quest. evaluate your progress thoroughly. Come back to your journey when your batteries are recharged.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. Make a visual reminder – like the grid I use . To tell the complete story. After taking action steps toward your objectives and ultimately the goal.Lifemoney Lifemoney Currency “The price of greatness is responsibility. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you. but that’s fine as long as you don’t abandon the journey. If you feel that you are unable to follow the timeline or stay with the quest. You may have to revise your daily or weekly goals from time to time.” 114 -Brad Turk .to determine what you are able to complete on time. realistically – and often. living. as well as anything that remains unfinished. and then give it all you’ve got! Lifemoney Currency “Dreams are real. plan to re-assess your progress. Do this assessment frequently. take a short break to renew your mind.
_____ 6. I am going to regularly check my progress toward reaching my goals. and then tally your score. along with my progress at regular intervals. I will make efforts to change or eliminate bad habits. _____ 2. I have the names of several people I trust to give me good personal feedback. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I will create a grid for recording action steps that lead to my objectives. _____ 9. _____ 3. In gathering feedback I will ask good questions. _____ 8.” -Brad Turk 115 . _____ 4.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. I will be quick to admit my weaknesses _____ 7. Lifemoney Currency “Be consistently consistent. _____ 10. I will check the grid periodically and make any needed changes. I will solicit feedback from experts. I will reevaluate my goal. I will invite and accept criticism that is given with a view to helping me. _____ 5.
Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter).Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe. 116 . whose net worth is estimated to be $320 million. who was brought up in the Marcy projects in Brooklyn. and we can endure much more than we think we can. It’s how you handle the resistance that leads you to success. knows firsthand what it means to be resourceful.” Overview Everyone struggles to meet their goals. When things don’t go as planned. Sean. had to create his own destiny. you need to look for other routes or means of help. everyone encounters resistance along the way. This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. We are stronger and more resourceful than we know.
the 40/40 Club in New York City. right smack through it? As you begin your journey to reaching your goals. No one seemed to be interested in his music or recognizing his understanding of the music business. with 18 Grammy nominations and 5 Grammy wins. he needed to be a businessman as well. In addition to becoming the President of Def Jam Recordings. Sean was unable to get a record deal. but the careers of many other superstars. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers.” And that’s what he did! He co-founded Roc-A-Fella Records. Carter line of Reebok sneakers. part ownership of the NBA New Jersey Nets and the S. 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. Jay-Z became one of the most respected rappers in the music industry. Being a talent was not good enough to attain his success. in some cases. “I was forced to be an artist and a CEO from the beginning.” but over it. He has a willingness to find any way to achieve his goals. which launched not only his career. which includes Roc-A-Fella Films and Rocawear . When faced with resistance he responded by finding solutions to his problems. which eventually shaped his destiny. he also expanded the Roc-A-Fella empire. you might be filled with 117 . under it. How resourceful are you? Could you overcome adversity by thinking not just “outside the box. including Kanye West.a very successful clothing line. around it or. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. Other ventures of his are Armadale vodka.Resourcefulness When he first started out.
the more likely you are to run into something unpredictable. turn on the light. Lifemoney Currency "I've found from past experiences that the tighter your plan. What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. The resources you’ll need to tap into can come from inside yourself or from around you. then slap yourself in the face. do surgery with a pocket knife and 118 . Successful people never hesitate to look for resources that can mean the difference between success and failure. run some cold water over your hands. or mediocrity and brilliance. 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. “I’ve never felt better! I have a sense of purpose.Lifemoney confidence. This lesson points out some useful resources and answers for the troubles you will encounter on your journey. 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." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. With a little bit of effort and some common sense. Either way. You’re going to need to be resourceful no matter how much you have going for you. You may be thinking. and I know exactly what I have to do to reach my goals.
Be an open-minded. and when it comes to succeeding in your life. big thinker. Take time to jot down problems for which you’re seeking solutions. 2. Did you ever consult someone about a problem you were having. Relax and think: don’t let the complexity of a problem paralyze you. He was never played out. The trick is to keep your mind focused on what you want. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. You can always do something. expensive. 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. even if you’re unsure of the outcome. Clever. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. 119 . These are four ways of thinking that have made me a better businessman and human being. you must be the same way. and then brainstorm big. Take the time to take stock of the situation and think on your own. He was the picture of resourcefulness. but the natural resourcefulness of your mind will reward you with many great and doable ideas.Resourcefulness make a computer out of duct tape. he could always find a fix to any obstacle he faced using just what he had around him. Though you may not end up being MacGyver. wild and fun solutions. and realize that often the reason you’re stuck is because you’re not thinking big enough. only to be told something you already knew? Often. resourceful problem solvers are some of the most open-minded thinkers I know. I want to make four suggestions for being more resourceful. Take stock of the situation to see what you can do. You’ll have to learn to let your mind go in this fashion.
I looked nineteen. 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. And when you come up with all those big thinking ideas – capture them. As a team. big thinking I created a great solution. Once the perception piece of the introductions was achieved. however works best for you – and then review them every once in a while to see if there is one you can implement. 3. Don’t be afraid to ask questions from people who know. out-of-the-box resource idea and it worked. Make sure you capture those ideas somehow – in paper. It was a big thinking. Be a pest. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. ask over and over again. Don’t look at life with the jaded self-knowledge of an adult.Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. who was middleaged and looked more of the part I needed to play. 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. 120 . That’s how you learn. This was a problem. As you can see on the cover of this book. George and I appeared to meet expectations for maturity and sophistication. I look a lot younger than my real age. When attending a high-power meeting I’d take along a good friend. over a microphone to your computer. and in a moment of wide-open. but walk with eyes – and ears – wide open. 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. George. At twenty-five. Become four years old again. I have a baby face.
Look for solutions in the most unlikely spots. 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. I see problems. You want to paint. Book is your favorite word. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. you can’t know everything. you see colors.htm. With wild abandon you tackle new words.Resourcefulness You don’t know everything. My dear granddaughter Hannah. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. new skills. It was taken from the web site http://members. hoping to master the computer in one easy lesson or not at all. 4. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. I struggle to learn. You want to know everything. You love to learn.ca/athomas125/hanna. You find laughter in mistakes. I've forgotten how to laugh at blunders… 121 . I find embarrassment. Questions are your favorite tools.shaw. You are only two. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. And in my experience. Here’s a thoughtful letter written to a child from her grandfather. I see danger. I see mess. You want to climb the attic stairs. You see steps.
help me to grow up and become just like Hannah. Look around for success “MacGyvers” hiding in plain sight all around you. Keep Looking . And learn to ask better questions and be a better listener. 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. You walk right up to a stranger and smile. and relatives who may have an idea or solution to your problem. Talk to people from teens to retirees. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. But that comes with the territory. you might be given all sorts of misleading ideas. Just keep going until you find the information you really want. Ask questions that seek out detail rather than just yes and no. At lunch you boldly bite into broccoli.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. or information you can’t really use. I love you for who you are! Grandpa Dan Dear Lord.Lifemoney You are courageous. neighbors. Sometimes you may not know where to begin the quest. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. asking questions about their perspectives and ideas. After talking to one resource person or another. I stick with the familiar favorites. 122 . When you’re listening to an answer. if it's not too late. tomorrow you will tackle cauliflower with the same exuberance. and though you dislike it. These could be friends.
buy a cup of coffee. ask a store associate to order materials for you. spread far and wide. But you can go anywhere you want and talk to whoever you like. Don’t be afraid to use all of the resources available to you to gather more resources. There’s no better or quicker way to 123 . All you need to do is pick a search engine (I use Google. spend your time searching for buried answers. Whatever your needs or interests.Resourcefulness You probably won’t find everything you need in your back yard. try different variations of the same words until you find what you are looking for. you should be able to find worthwhile reading. Look at the jackets and back covers for ideas about whether a book will be helpful. You can even use full sentences to pinpoint the closest data to your topic search. 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. Instead of sitting in front of the television or playing video games. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. Here are four incredible resources. In a larger bookstore chain. That’s the beauty of the modern world. you can just read while you’re there. You don’t even have to buy the books. find a seat at the café. If not. 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. If you don’t find an exact match. technology is bringing us closer together. often at the press of a button. and read a recent biography of someone you admire or a book on a topic related to your goal. Even as there are more and more of us.
borrow books for free at the library. movie producers and music moguls at your disposal. Check your local area for something similar.com) where they constantly have well known speakers. In New York. language CD’s or DVD’s (if your goal involves traveling abroad). You can also get audio books. Many companies offer free webinars with noted experts in a particular field as a way to sell their products. 124 . but you may learn a few things from the expert while you participate in the webinar. San Diego. Number 4: Take a seminar There are a lot of seminars given and places to go that you can learn directly from experts in your desired field. You don’t have to buy the product. and Los Angeles you have the Learning Annex (learningannex. and videos. Most libraries offer this type of service for free.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. If your library doesn’t carry a book you want see if they can get it for you from another library. 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. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. Toronto. magazines. San Francisco. Minneapolis.
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. One life changing piece of advice can make you thousands if not millions.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. waiting for the chance to drive you toward solving your challenges and meeting your goals. Be 125 . you will be able to learn from the experts in that field. or showing off your playground skills to other kids. Ask the people around you what they know about New York. For example if you’ve challenged yourself to get a great job in New York City. Read books and look for television programs. find out all you can about life in New York and the companies or groups associated with this new job in New York.” -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. That thrill of learning still exists inside you today. They will teach you how to become financially secure and independent.
If you’re planning to write a novel. work on building friendships with new. No matter what your interest. Learning new things is virtually guaranteed. Check with a local community college or university branch campus for information about these classes. specialized courses that often cost under $100 and run over a day or several weekly classes. volunteer at a local official’s office and see how it works. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. the internet provides an opportunity to meet many like minded people. To run for civic office in a few years. If they don’t have one you want. find a writer’s group or a reader’s club. Rather than ditch your old friends. Often we outgrow our friends. Listen first. • Online Special Interest Groups. like minded people that share your intensity in life. • Take a non-credit class.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. then ask lots of questions. suggest that it be taught in the future. Those friendships can form quickly and be lasting. Most colleges – especially community colleges offer informal. • Join a special interest group. Over time our interests drift and friendships change because your interests no longer match. Consider joining 126 . and provide you all kinds of problem solving resources. You can meet experts in your field of interest and learn things about your pursuit you never knew existed.
Resourcefulness an online community. or subscribing to a mailing list of like minded folks. Online chat room--. List three places where you can go to find some information that will further your ability to be resourceful.this week I will seek out one interest group related to my goal 127 . Wednesday and Friday. Visit a local learning annex Once you have these three written down. Join an online chat room 3. reading blogs about topics that interest you. Consult a community resource center 2. such as: 1. assign timelines in which you will visit these places.” -Bill Gates Goal Achievement Exercise O Take out your Workbook. such as: 1. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s. 2. Community resource center – attend evening sessions from 8 to 9 Monday.
. Uptown Records.com. learning the industry from the ground up. those who have already accomplished what you want to do. and found resources anywhere – and everywhere – he could. learner and observer.” There he swept floors and kept his ear to the ground. you might as well think big. But Combs was an avid listener. and while attending. According to Answers. Lifemoney Currency “If you are going to be thinking anyway. D. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad. Combs applied to Howard University in Washington.C. look for experts in your field. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did.Lifemoney 3. This is someone who will work with you to set goals and help you make plans for reaching them. If you’re planning to write a best selling novel. Sean “Puffy” Combs worked in thankless jobs like the rest of us. “Already a shrewd businessman through his two paper routes. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. contact authors whose writing style you like and ask them for tips on 128 . Before he became known as Diddy.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings. Like Diddy.
find out what not to do. libraries and the Internet are valuable. too. There are actually some fields like the music industry where the only path to a real job is to intern. but people are the ultimate resource. You also may want to consult the local Small Business Administration or a retired executive. don’t be surprised if some don’t return your calls. Ask questions like. Don’t fight the system if you don’t have to. and look for readers that can tell you what they look for in this type of book. You could contact publishers. and find out what keeps them going strong as well as the things that hold them back. and other information that might hold clues to the reasons for a person’s success. videos. If speaking directly with an expert isn’t likely. take a job as an intern like Diddy. too. And. Or look up a local leader that you might be able to interview or job shadow. Don’t rely on your own expertise. Always be prepared and don’t waste anyone’s time. Look for people who can provide guidance. 129 . Learn it first then conquer it. If you’re a student. interviews. “What is one thing you would do differently?” Study those who are where you want to be. Look up biographies.Resourcefulness getting published. Make sure that you research these people and their companies. Try other people or be persistent with the ones you really think are important for you to meet or talk with. if applicable. get some books about famous people who have already made it in the area where you want to go. and who won’t turn their backs when you need help. Go straight to those who know the ropes and can share a bit of wisdom. Avoid their mistakes. Books. before you speak to them. When learning from the experts.
130 .Lifemoney Lifemoney Currency “If I have seen farther than others.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. 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. Using the people skills that you will learn in Lifemoney Lesson #8. think of key resource people you already know from your past and your present. List three people that you will contact for assistance. Never forget to take advantage of your network of connections. it is because I was standing on the shoulders of giants. While making your list. intrigue these people to help you in whatever way possible. 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.
But there is. small and large. might be the director. every one of those people was a resource in creating his latest masterpiece. Very few people succeed entirely on their own.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. but stick around for the credits after his next movie. and as far as necessary.Resourcefulness Lifemoney Currency “Remember you will not always win. 131 . services and know-how you need to create Lifemoney. that can put you closer to reaching your ultimate goals. Try to count how many names are listed at the end of the film. to get the information. always tomorrow after you have done your best to achieve success today. reach out as often. the most resourceful individual will taste defeat. It’s important to utilize every opportunity. Some days. Stephen Spielberg. in this case. Don’t limit your dreams by limiting your scope.
_____ 9. _____ 5. I will keep my eyes open for a mentor. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. I say. I will enthusiastically seek information like a kid.Brad Turk . I plan to visit a library. find the people you need to know and introduce yourself. I will take a class or seminar related to one or more of my goals.” 132 . and observations. _____ 8. and then tally your score. Learning is the beginning of health. _____ 6. giving yourself 10 points for each checkmark and 0 points for any left blank. I plan to read an autobiography of a famous leader who inspires me. I will read new material that relates to the pursuit of my goals. Searching and learning is where the miracle process all begins. _____ 7. but who you know. _____ 10. _____ 3. I believe learning is the beginning of wealth. _____ 2.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with. _____ 1. Learning is the beginning of spirituality. I will network with people I know to find expertise beyond my circle.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. _____ 4. ideas. school or online special interest group. Lifemoney Currency “Some people say it’s not what you know.
Creativity Lifemoney Lesson # 7: Creativity “Rules? Hell there are no rules! We’re trying to create something here!” -Thomas Edison Overview I have built this book around the idea that your personal qualities are like money to you. looking at things from a different perspective. objectifying your goal. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. He bought the property in 1977 when that part of New York City was in terrible shape. Trump had no 133 . These include visualization. your Lifemoney. 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. asking big and avoiding the herd mentality. They are your real wealth. 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.
“Man’s mind stretched to a new idea never goes back to its original dimensions.”
Goal Achievement Exercise Q
Get out your Workbook. Pick two goals that you have listed in Exercise F, and come up with a different and creative way that you can bring yourself closer to that goal. Do not use any ideas that you have had in the past or seem conventional. Really stretch your mind and look at achieving the goal in a new way. Read over your ideas, ignore the thoughts that these are impossible. Can you use your resources differently to make one of these impossible steps a reality?
“Don’t play what’s there; play what’s not there.” -Miles Davis
Dream It, See It, Do It!
Let’s use a creative approach that many successful people have used to expand their thinking. This may seem strange if you’ve never done it, but it’s called visualization. It involves creating pictures and movies in your head of things you want. For example, picture a snapshot of yourself on a cruiser yacht in the Caribbean, or taking part in a board meeting of a prestigious company – maybe even your own company. See that smile on your face? You’ve made it—you are living the dream in your mind. In this way the practice of visual creativity helps you own the feeling of success and generates more energy within you. 135
Lifemoney Walt Disney was famous for saying “If you can dream it, you can do it.” Nobody knows that better than Arnold Schwarzenegger, famous bodybuilder, actor and politician. Arnold always understood the power of dreaming and reaching for what you want. He grew up in Austria and he dreamed of leaving his homeland to pursue the goal of becoming a world-class bodybuilder. Years later after he reached that goal, Arnold visualized becoming an American film actor. Dreaming big once again it didn’t take long for him to meet that goal, too. His next dream was to hold public office in a country where he had not been born. Arnold continued building on his natural skills by visualizing many things. Today, Arnold Schwarzenegger is Governor of the State of California. He dreamed big, developed needed skills, watched for opportunities and followed his heart to become everything he wanted. In fact I saw him interviewed on television recently and he was sharing the fact that he’s not yet done dreaming. He has more, and when the governor’s gig is up he’ll be moving on. If you want to see a ‘dream it and do it” guy, watch Arnold. In your mind’s eye, walk through a typical day exactly as you want it to be. Who do you talk to? What do you do? Enjoy the mental image of your success by capturing each detail as a memory to motivate you when the going gets tough. Be patient and build that mental motion picture carefully. Rather than becoming overwhelmed by going from 0 to 60, use your creativity to visualize your daily activities, the house you plan to live in, where you go to work, what your days consist of, how it feels to go home; when you spend time with a spouse, kids, boyfriend/girlfriend, or family; where you go on vacation, what car you drive… Does
Creativity creating success in your mind make you excited, impatient, and eager to get started? This is the power of creativity to motivate you and form your life.
“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.
imagine yourself doing it. Picture your home office with all the things you would use in a public office—computer. Your body will do what your brain focuses on. See yourself inspecting the houses. step by step. You’ll work out the bugs of a process that will move you closer to your goal. so keep your thoughts positive and stay focused. Avoid the herd mentality. For example. it’s time to shift gears and visualize it. this proven 138 . noticing colors of paint and the condition of the neighborhood. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. This isn’t fantasy or play-acting. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words.Lifemoney 5. fax. it becomes more tangible. Now. copier. and telephone. if you want to get into real estate. Visualization is when you mentally create an image of yourself accomplishing the desired objective. or when it becomes increasingly difficult to see yourself in the winner’s circle. If you want to operate your own business instead of working for someone else. What’s it worth to you? When you’re ready to give up on your dream. Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. Notice even small things like the shoes on your feet and the color of your clothes. 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.
Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. Why? Because you will create whatever you’re visualizing. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. 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. Lifemoney Currency “Visualization is daydreaming with a purpose. All success starts in your mind. Sometimes having that physical object can help make an abstract idea seem more real. That is a conscious choice. an action you take. Do you keep a special object to remind you of your roots. your accomplishments and your dreams? Some 139 . and I still have the toy versions to help me remember to make my dreams real. whether at home or at the office. 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. Look at your workspace. good or bad. I have had both of these cars. but our brains respond better to the real thing. There is no substitute for keeping the proper image in your mind at all times. To date. Those that fail to reach their dreams are often letting their positive visualizations vanish. Do what you can to make a real “object” out of your goal. Acquiring anything starts with imagining it constantly.
it should be something that reminds you of and keeps you motivated to achieve your dreams. and how important it is to enjoy every minute. The object for your personal goal might be something that brings to mind your dream. seemingly insignificant object that reminds you of something very important. Who do you think is more positively driven? Around her neck. the one he died on. Queen Latifah wears a key on a chain. Chances are you have a framed photo. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. Whatever you choose. This is especially important in creating objects that represent your personal goals. 140 . Dieters sometimes buy clothing in the size they want to be rather than what they are now. Real objects have power. It also keeps her motivated and helps as a reminder of how precious life is. whether past. 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. or another small. an award or commemorative gift. If you don’t.Lifemoney people have desks covered with trophies and some have desks covered with bills. The key belonged to her late brother’s motorcycle. A miniature horse that fits in your palm could be the symbol of your future breeding farm. and she keeps it near her heart as a reminder of how much she misses him. present or future. start collecting those things and placing them around you.
Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995. After bothering the agent. just before Thanksgiving 1995. and he informed me they had been trying to sell it for over a year. Well. I remember him helping me out once when I was looking for a small rental property. When we went into the place I was very disappointed. And then. the actual apartment was terrible. my friend saw as a positive. He asked more questions. I thought I knew something about real estate and I asked the agent how long the place had been on the market. it seemed I got the truth out of him. It looked like a hurricane had come through and no one bothered to clean up after. that was it for me.” But David wasn’t quite ready to leave. “We’re out of here. I looked at my friend as if to say. I put that check in the casket with my father because it was our dream together. I found out I was going to make ten million dollars for Dumb & Dumber. I put it in my wallet and it deteriorated. manages some and sells the others. What I saw as a negative. he explained to me that this was a great deal. His success is attributed to seeing what’s not there and being open minded about what can happen. From his perspective it was good that the place 141 . He buys a lot of properties. Although I loved the building and the area.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. crunched some numbers and while we were sitting down for coffee afterwards.
You can do this in your own life.000. Most people who walked in there did not see the value of the place and could not picture what the place could look like. After David did the math with me. it appeared that I would be buying a $200. So try! It is a valuable lifemoney skill that can translate into big cash money. How? We were able to get the price from $165. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. My girlfriend.000 co-op for $175. 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 on fix-up we would be able to sell the co-op for what the market value was at the time: $200.Lifemoney was a wreck and was on the market for so long. 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. Creativity Factor #4: Ask big There is huge power in learning to ask big. does medical billing and is the office manager for a doctor’s office. By shifting perspective. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open.000 down to $150. Liz.000 and after spending $25. 142 . David helped me to see the real value of that deal. Although Liz was happy with the money she made and her success in what she did.000. Anybody can see what’s obvious but only a few can see potential. She is good at her job and has been with the same company for over 10 years. she really wanted a more flexible schedule. 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
Lifemoney go for? I decided that I would go to him and candidly explain my vision, how I worked best and how we could make this work for both of us. I set up an appointment with my boss and I explained how much more productive I was from home and that I had two more hours in my work day by eliminating the commute it took to get back and forth to the office. All I had to do was point to my sales results, and my “work from home” sales pitch spoke for itself. I showed that I was able to do my job the way that made sense to me and worked with my personal schedule. I wound up only going into the office a few times a month. I took a standard practice of almost all corporations of working the typical 9-5 office job and turned it into something that worked for me. An enormously big opportunity for me began by asking a big question: “What’s possible here?” Asking big is not only a creative way to think, but when you take the short step of sharing your creativity publicly; profound things will start to materialize. Get in the habit of asking big. Even if it doesn’t work, you’ll be a step closer to finding the solution that will work.
Creativity Factor #5: Avoid The Herd Mentality
There is an old saying that “if everyone is doing it, it’s probably wrong.” We are herd animals, and often where the herd is going is not original or creative in any way. Successful people are more often those who are willing to dream about going another way. It is always best to have some foresight and try to do what has not or is not being done. That’s not too say that you can’t make millions or find happiness doing things that have been successfully done in the past, but the pioneers will usually capitalize the most.
Creativity In addition, you also have to be careful not to jump into a fad or in something that has already reached its peak. The perfect example would be all of the late comers who tried to break into the real estate market – well after the bubble was set to burst. Read what Robert Kiyosaki, author of Rich Dad Poor Dad says about the stampede that took off after the real estate boom. “In 2003, every fool was getting into real estate. The checkout girl at my local supermarket handed me her newly printed real estate agent business card. The housing market became the hot topic of discussion at parties. ‘Flipping’ became the buzz word at PTA meetings. Homes became ATM machines as credit-card debtors took long-term loans to pay off short term debt.” And now the papers are filled with stories of people who followed the herd and ran off a financial cliff. Once everyone is doing what you are looking to do, it often makes your goal that much harder to attain. Again, this does not mean that it can’t be done. It just means you will have to work that much harder and smarter to get your results. You don’t always have to do things the traditional (Herd) way to get it done. If you want $5,000 to buy a speedboat, do you have to start with a basic savings account? Are there other ways you could raise that money? You could: • • • • Sell used items you no longer use -furniture/tools on Ebay. Downsize to a smaller house or less expensive car. Create shares of the boat and bring in partners Get a second, part-time job.
Lifemoney While all, some, or none of these options may work for you, the point is to try to go in the opposite direction of the herd when the herd has been going in the same direction for a while. Back to my main man Donald Trump: many people thought he was born into his millions, or that he came by his wealth easily. The opposite is true. Donald’s father, Fred Trump, had to help support his family and started a construction business in Brooklyn, New York. Donald spent a few years working out of the same office as his dad. When he eventually decided to get involved in real estate, he did so with a limited budget. Though he had very little money, the first thing he did was to become a member of an exclusive New York club. He used his membership as a way to make contacts. That’s pretty unusual and not what a herd thinker would do. Who ever thought of starting a business by joining a club? Most of us would wait until the company was established – probably even well established - before developing business relationships. Trump took an unusual route to success, and it paid off.
“You see things; and you say, ‘Why?’ But I dream things that never were; and I say, ‘Why not?’ ” -George Bernard Shaw
and then figure your score. Don’t let yours go to waste. and invest the energy in some creative thinking about going after the things you want. 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. I have objects around me that symbolize the success I seek. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. Lifemoney Currency “A problem is a chance for you to do your best thinking. but seeing what’s not there.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. _____ 4.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. I can visualize my success through a variety of mental pictures. _____ 2. Remember that one of the most important aspects of creativity isn’t seeing what’s there. Take the time to evaluate your situation and try a creative approach. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. _____ 3. Make the time. Engage your creativity now by taking stock of your situation. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. 147 . _____ 5. I seek out new perspectives to old problems.
great possibilities are created. I make detailed mental images of what I want. _____ 8. I will use creativity to help me attain my goals.Lifemoney _____ 6.” -Brad Turk 148 . _____ 7. Lifemoney Currency “Just because something isn’t being done. I avoid the herd mentality at all costs. _____ 9. hasn’t been done or looks like it can’t be done. I keep asking bigger questions to spur my creativity. I know when I ask boldly. _____ 10. doesn’t mean you can’t do it.
Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. Using people skills in a competent. if people get better at these people skills. but it should make your life experience more rewarding as well. So learning to interface with other people is vital to realizing your goals. professional and powerful way will not only aid you in achieving your objectives. 149 . 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.People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. getting others involved will be a major key to your success. 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.
I quickly realized that to deal with people effectively you really need to understand what motivates them. She was self motivated. He was always late. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. I saw from past managers that I have had. that she would get the sales in. that one of the biggest problems in how they managed was that they had a uniform way of doing things. Using my Lifemoney Lesson # 8. I had one rep who was just like I was as a salesperson. Amazingly. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. As an example.Lifemoney While I was at MCI. I knew she was a hard worker. I had a salesperson who was one of the most charismatic people you could meet. Their “House Rules” were specific to how they thought a salesperson should be. from being a salesperson. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). I did for her what I wanted my sales manger to do for me – I stayed out of her way. He once told me about his only uncle. I knew first hand. I worked as a manager for a short period of time. He had so many excuses that he was losing track of them. During that time. On the other hand. hard working and considered her sales position as her own small business that she was managing. that same uncle died again. and that I could not work her harder than she would work herself. They were men and women of different races and backgrounds. or had an excuse for something going wrong. that we are all different and had different needs. and he needed a couple of days to 150 . out sick. I provided them the resources to work in an environment where they could thrive. who he missed that had passed away about a year before. I was managing a staff of 8 sales people who all had extremely different personalities.
Not only was this experience a financial success for me. Are you a people person? Few of us respond to every situation in perfect form. 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 . Anyway. Think of a past problem you had with a specific person. especially when it comes to dealing with people. but it allowed me to really connect to my reps and form lasting friendships. you need to know what their needs are. So to get the most out of people and to win them over to your cause. I micromanaged him. and at least once every day gave him a swift kick in the ass. Shared sorrow is half a sorrow. He later thanked me for helping him. Be as specific as you can. some I still have to this day.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook.People grieve. and told me that he needed that treatment to get him where he wanted to go. Lifemoney Currency “Shared joy is a double joy. I treated him how he needed to be treated.
Get into the habit.” -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. For relationships to be mutually valuable you must build a bridge that goes two-ways. of preparing yourself to deal with people rather than doing so on instinct or history. Conversation involves someone speaking and someone listening. 152 . Lifemoney Currency “Every one of us gets through the tough times because somebody is there. Success doesn’t happen by accident. do not speak. Step # 1: Be a Good Listener People want to be heard and understood. When it is your turn to listen. everything. there are lanes for incoming and offloading traffic. Listen. standing in the gap to close it for us. or rhythm.Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. even dealing with people – especially dealing with people – requires proper planning. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. The primary way we communicate with others is through conversation.
Try and put yourself in their shoes. it seemed as if we did not even speak about me. I will tell you a funny story about a job interview I once had. Everyone’s favorite topic of discussion is themselves. You can’t learn from them if you’re talking. Again. let them talk about their skills.People To demonstrate how much people want and need to express themselves and feel understood. not just another segue to a story about yourself. at the end of our meeting. I asked the interviewer a few key questions about himself and what had made him successful in his career. If you want to win them over. Be enthusiastic about what they are talking about and who they are. listen with a reason. people like people who like them. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position. When you talk to others. we did not get to discuss my history. this guy not only offered me the job. 153 . Let the other person speak – while you LISTEN. Smile. their needs and their accomplishments. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. It turned out to be a win/win for us both. He was so excited to talk about himself and his experiences that at the end of an hour. Keep in mind he found me so interesting and I barely said a word. find out about them. Ask questions. Step # 2: Take an Interest in People When you listen. Watch for opportunities to offer empathy. Although I knew my resume would be suitable for the position. Yet. If you really take an interest in what they are saying you might learn something. he took an interest in me. advice or assistance. At the beginning of the interview. Because I took an interest in him.
They’re getting enjoyment out of reliving an experience or sharing an insight. 154 . the more two-way they’ll become. 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. 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. Have faith and patience that the longer these relationships last. Most people react in a negative way due to circumstances. Let the other person feel important and appreciated. 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. the more they’ll learn by example and start paying you back– by listening to YOU. it might be. Step # 3: Don’t Undermine – Understand It’s easy to criticize. Don’t take that away by changing the subject to you. But you need to be genuinely nice. at first. If this sounds fairly one-sided. In building up conflict instead of offering genuine kindness.Lifemoney Let’s say that you are a very good racquetball player. and telling your stories. brag or whatever they wish. Let the person tell the story. you only aggravate yourself. and someone you are talking to tells you about a game of racquetball they played. Try it and see how it works. 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. 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. you don’t have to interject your knowledge or skills. The more you listen to others.
One day.cfm?pageid=102. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. His name was Fleming. Farmer Fleming saved the lad from what could have been a slow and terrifying death. screaming and struggling to free himself. Then the boss yells at you for being late. while trying to make a living for his family. He dropped his tools and ran to the bog. a fancy carriage pulled up to the Scotsman’s sparse surroundings. “I want to repay you.” 155 . 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. The next day. Maybe you weren’t feeling well. 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. Crazy things happen when you reach out to people and pay some kindnesses forward. was a terrified boy. mired to his waist in black muck.winstonchurchill. he heard a cry for help coming from a nearby bog. even though you typically arrive on time.org/i4a/pages/index. Maybe you got up on the wrong side of the bed.People Think back to a bad day you had recently. and he was a poor Scottish farmer. On the way to work you get stuck in traffic due to road construction. There.” said the nobleman. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. “You saved my son’s life.
Lifemoney “No. Let me provide him with the level of education my own son will enjoy.” the Scottish farmer replied waving off the offer. Farmer Fleming’s son attended the very best schools and. What saved his life this time? Penicillin. His son’s name? Sir Winston Churchill. Mary’s Hospital Medical School in London. 156 . in time. Years afterward. “Is that your son?” The nobleman asked. and went on to become known throughout the world as the noted Sir Alexander Fleming. “I’ll make you a deal. This not only looks bad. the discoverer of penicillin. The name of the nobleman? Lord Randolph Churchill. the same nobleman’s son who was saved from the bog was stricken with pneumonia. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. I can’t accept payment for what I did. If the lad is anything like his father. he’ll no doubt grow to be a man we both will be proud of. but I think people can tell when you don’t remember their names. At that moment. “Yes. graduated from St.” And that he did. I know it is because I never really made a true attempt to focus on remembering them. and it’s a little bit insulting. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. the farmer’s own son came to the door of the family hovel.” the farmer replied proudly.
but I will stress what’s in it for them: a great rate of return.” You get the idea.People I would suggest you develop a system that helps you put greater effort into this huge priority. you might think “sad Brad” or if they look happy. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. These little tricks work amazingly well and are well worth the time it takes to practice them. But if they look like they’re very tired and sad. When I approach a potential investor I’m not thinking “how much can I get?” but rather “what does this person want and how can I give it to them?” During the course of the conversation I will ask for money. they will be interested in helping you in exchange. the value of the proposed deal. Let’s talk about that sometime. Again. the intangible benefits of having their name 157 . Brian. “Nice to meet you. If their name is “Brad” and they look like Brad Pitt. Let’s say for example that I need help with financing a business deal that’s important to me. For instance. 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. Where do you work? Is that right? Sounds interesting. One idea is to repeat the person’s name out loud a few times during the introduction. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. it’s easy.” Another popular technique is to associate their name with something visually unusual. nice meeting you. “glad Brad. Brian.
That only happens in courts in front of judges. a case of beer or concert tickets. inferior. too. …you get the idea. I’m always thinking “what do they want. stupid and embarrassed. If a friend is remodeling a kitchen. All you will do is make the other person feel bad. they would have behaved differently. 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. offer to help. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. whether a free meal. the fun we can have together as a team. The winner of an argument in real life is often the loser in the relationship. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. energy and commitment – will be that much greater if you provide people with something they want. and how can I give it to them?” I am not saying you can’t get help any other way. how 158 .Lifemoney associated with the project. 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. but the level of intensity – time. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. a coworker or a friend. 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. when they did help. Remember that getting the support you want depends in part on providing others with what they need.
Wait for your opinion to be asked before shoving it at someone. Don’t speak out of anger. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. Don’t give advice unless it is requested. do nothing but harm. upset or just want to communicate with someone they care about. no one is impressed. I make a big distinction between arguing and disagreeing. Show. Relax. Disagreements on the other hand can be powerful sources of new information and a chance to grow. Step # 8: Think Before You Speak In any discussion. aggressive individuals that think they know it all. even if it’s negative communication. Don’t act rashly or lash out. Arguments. be it personal or professional. Think your words through. Don’t brag. be self-controlled. don’t tell. particularly defensive and mean ones. 159 . people argue because they are hurt. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. Speak from a calm center. Always try to look inward to the core issue. Often. Think about someone in your past that pushed unwanted advice on you. Keep in mind that everyone is born equal and deserves to be treated that way. 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. and even then be careful. Let others mention your accomplishments before you do.
lower your expectations of others and increase them for yourself. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. Always say please when asking for something. From time to time you may even take the blame for something that isn’t your fault. Take courtesy even further. 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. 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. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. To get along in this world without becoming an irritating whiner. Everyone makes mistakes and will disappoint you at some point. but he never called or wrote to say thanks. Look people in the eye and give them respect when you speak to them. but it’s extremely important. 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. but we all have problems. Some of those mistakes will be at your expense. but received no sense of appreciation. Don’t cry or whine over any of this. even after working hours of unpaid overtime. This may seem like a small thing. Just remain calm and don’t shoot your mouth 160 . Shake hands firmly and introduce yourself when around new people. It’s not that your problems are unimportant. Step # 10: No Whining Allowed No one likes a whiner. You would be surprised how far all of this will take you in building relationships. It makes a deep and lasting impression that money can’t buy.
The person that I was meeting came out and told me that he would not meet with me and would not do business with me because I was late. more opportunities will be sent your way. especially in business. I had an appointment with someone and I showed up 15 minutes late. but this true story illustrates how sensitive some people are to lateness. being late is a sign of disrespect for someone else’s time. Step # 11: Your Word is Your Bond Do what you say you are going to do. Your word means everything. Even if it is just to arrive to a meeting at a certain time. Also. I know this is extreme and there are times when being late can’t be avoided. If you can’t be trusted on one issue. chances are your credibility will be shot for all that you do.People off and burn bridges. The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. 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. time is their most valuable asset. As I mentioned. When people know you are dependable. 161 . to a successful person. You never know when you might have to go back the way you came and deal with that person again under better circumstances.
They might be an older brother who sets a bad example with his drug use or gang activity. It could be a friend who is always cooking up a crazy idea that never gets out of the starting gate. put you down or turn you off. or who tell you to give up because you have more important things to do. or that costs you plenty when it does get a running start. If you don’t like 162 . because your character is what you really are.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return. but you have to put first things first if you ever plan to reach your goals. To get rid of the people who will hold you back. like fishing or playing cards. If it’s someone who is really just negative and brings you down. They can be so-called “pals” who don’t believe in you. They may be hardheaded bosses who refuse to think out of the box. Problem people often hide in plain sight. politely let them that you will get in touch when you have time. It’s not that you can never enjoy recreational time.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. don’t be afraid to cut ties totally. while your reputation is merely what others think you are. You probably already know who some of these “avoidable” people are. 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.
In fact. cling to them. If they’re nearby. A motivator can be anyone who trusts you to follow your dreams. quite literally. it’s simply a move in a new direction. And the more you hunt for them the more they will be attracted to you. or they may be a total stranger. They’re a little harder to find. It might be a mentor who leads by example or. 163 . for every troublemaker you tell to hit the road – or get off your bus – make sure to pick up a motivator or two as a replacement. Find a new bus or another means to get there. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. make sure that you’re always riding the right bus for you. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. They might be a good friend who listens while you describe the goal you want to reach. if they’re far away. Just as you must get rid of the people who will drag you down. the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. you must also make room in your life for the motivators. It’s not quitting if you’re the one doing the choosing. seek them out. as well as your plan for getting there.People where the bus is going or you changed your mind in the direction you want to take – get off. Either way. Either way you’ll know these motivators because you’ll feel an instant attraction to them.
In fact.” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson. Don’t move off to try another one until you’ve seen results with the first one.Lifemoney Lifemoney Currency “Get around the right people. keep using it until you don’t think about using it anymore because it’s so natural. This is the best way I know of to master this list. Lifemoney Currency “One skill you act on is better than 12 that you don’t. What’s the best way to learn them? Choose any one of these and use it today. 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. Associate with positive.” -Brad Turk 164 . goal-oriented people who encourage and inspire you. Then magic happens.
and I often make efforts to give without expectation of receiving anything _____ 4. I am learning to be a good listener. _____ 7. and then tally your score. _____ 9.” -Brad Turk 165 . giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. A huge part of receiving is giving. _____ 10. _____ 6. I have a good sense of which people to pursue and which to avoid. _____ 2. you WILL know-how. I keep to my word. I try to stay calm and avoid arguments. I am taking an active interest in people _____ 3. I make efforts to express appreciation and good manners to others. I don’t whine. _____ 5. eventually. I understand the value of tolerance when dealing with difficult people. I always remember the “what’s in it for me” rule. Lifemoney Currency “Find people to make up for your lack of know-how and. _____ 8. although I can politely disagree.People Millionaire’s Checklist: Check all the items below that you agree with.
you'll start having positive results.” -Willie Nelson Overview Someone once said. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction.Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones. whether you believe you will or you won’t – you’re probably right. a well maintained attitude and a “no excuses” outlook. This talks about some of the things I’ve found useful in creating a positive mind. 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 .
if you focus on the positive. Her father had been an executive producer of some very well known films. You just have to know that you’re heading in the right direction. believe that it can happen and know that you have what it takes to make it happen. I saw her complaining everyday about what I thought were very trivial things.Positively Thinking Do you believe you can reach your goals. you create road blocks that stop you from achieving your goals. 167 . you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. I figured she would have far fewer worries than other people! In getting to know her. He was both successful in his field and wealthy. happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college. I was amazed to see how miserable she was. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. or do you think that it probably won’t happen for you? This question is like a fork in the road. On the contrary. It appeared that everything annoyed her and she was never happy. and whichever direction you take in your mind will probably dictate your destiny. If you focus on the negative. The Multi-Millionaire Blues A good example of how attitude. From the outside looking in. I don’t know if it was her beauty. As a general statement positive thinking plays a powerful role in helping us achieve what we set out to do. her money. When I finally had the chance to meet her personally. 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. it appeared she had everything that a person could want. or the fame of her dad but everyone in school wanted to be near her.
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. 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. Though you have no control over the actions of others. focus on what you can do. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. You might feel as though you are destined to continue the long line of defeat. So don’t worry about what you can’t do. do. you do have complete control over what you choose to think.Lifemoney I stayed away from her negativity and did not associate too much with her. “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. what you attract into your life and your ultimate success. It’s not what you have but how you perceive things that really counts. They complain about all the ways in which other people or circumstances are standing in their way. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. Maybe you come from a family with many losers and too few winners. and say. 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. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. 168 .
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. You have the resources others don’t have. so use it positively. I was able to become wealthy. If you catch yourself repeating the complaints above. You have even more desire to do better than others may have. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. If you grew up wealthy – good. Change the channel and play the role starting now. Lifemoney Currency “Just can’t live that negative way…make way for the positive day.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. 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. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. I want you to understand that you’re holding the remote in your hand to switch to that channel. It starts in your head with your mental remote and plays out in reality. you better change your mental channel. If you feel yourself beginning to argue with me. You dream 169 .” Your mind is yours. STOP! Forget the excuses! If you grew up poor – good.Positively Thinking Practice turning negatives into positives. there is nothing stopping you from becoming all that you dream of becoming. In America.
Goal Achievement Exercise T Take out your Workbook. and owned the feeling of a champion. Also. but he said that all the intense effort and workouts did not give him the extra edge that he needed. 170 . Do it and watch how your outlook brightens. The mind rules over every part of the body. This attitude and confidence spread and led everyone else to believe the same. that had to be coupled with hard work and long hours in the gym. and explain how you will avoid one of those failures in the future. you work hard to get it. Failure can be a very positive experience if you dig through it to find a good lesson. and guess what? It’s yours. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself.Lifemoney it. took it on as his personal goal. Arnold Schwarzenegger went into every competition thinking he was the winner. Failing does not make you a failure if you let it teach you lessons. Get your mind on the right channel and the body will do its part to follow the plan. This is the way you turn negative experiences into a positive ones. write down a lesson you learned from this failure. He visualized it. Obviously. List five failures that caused setbacks in your life. you have a smart plan. It was the mental focus on all that he did that made him the best in his field. you implement your plan.
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. Which have you been? Be honest with yourself. Looking back have you been a complainer or a fixer? If you had it to do over. would you handle things differently? If so.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. It usually doesn’t happen overnight. They have a mental certainty that what they’re doing will lead them right to where they want to be. a Donald Trump in real estate or a Jay-Z in the studio. but it does happen. -Thomas Edison Don’t Complain .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”. If you want a piece of the action. 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. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 . Rather they give years of their lives charting a positive course and expecting greatness. Negative people complain about things and positive people fix things. But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success.
especially if it was a thought that stopped you. and get frustrated. Instead of whining about what you don’t have. The same is true about anxiety. How do you do that? You’ve heard me say that we cannot always control the events in our lives. Positive thinkers are always focusing on ways to positively impact their world. If you want people’s attention. get it in positive ways by becoming an encourager. like drawing. Is stress holding you back? Stress is often closely linked with a negative mental attitude. and never feel played out. Why? Negative thinkers typically think that they’re stuck and will be miserable forever. 172 .Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. The solution is to stop complaining and fix your attitude. that a former teacher encouraged because you secretly had no confidence in your ability. stay open and be ready to jump into action. Begin using positive thinking to search for new ways to impact your life. but we can control our responses to them and the actions we take as a result. People are much more likely to admire and support you if you adopt this mindset in your everyday life. an inspiration. Begin positive. These are all signs of a distressed and negative mindset. and a role model. but you didn’t go? Perhaps you thought “I’m too old” or “I don’t have the time right now”? Maybe you failed to follow up on a special talent or skill. Make a mental note not to miss these kinds of opportunities again. did a previous employer offer to pay the tuition for you to return to school. start looking for what you can get.
These could include lost academic.” -Winston Churchill 173 . Include options like going back to school. 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. make a new list of potential opportunities for the future.” -Anonymous Goal Achievement Exercise U Take out your Workbook. cultivating new relationships (or restoring old ones). 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. Make the list with a new sense of optimism and hopefulness. When you’ve completed this list. developing new skills.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. employment. or relationship opportunities. overcoming a bad habit.
Lifemoney Currency “Adversity is another way to measure the greatness of individuals. football coach. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. 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. who minus sight and hearing became a model of inspiration to others. Helen Keller. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. 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. Positive thinking sets them on a course for achievement.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. broadcaster 174 . I never had a crisis that didn’t make me stronger.” -Lou Holtz. Some famous examples include Beethoven. whose deafness did not stop him from composing classic musical compositions. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. or at least their little piece of it.
many of our efforts don’t bring immediate results. Then take on life without apology or embarrassment.Best Case Try this experiment to create more positive thinking. so what? Who cares? Besides. Instead think in terms of best case/worst case. Think about something that you are afraid to do because you think you might fail. Most people don’t remember what even great speakers say! Besides. 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. 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. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. You may submit a proposal and wait months before 175 . who is going to think twice about your errors after they arrive home that night? It would never happen. so you’re already way ahead of them. Don’t be intimidated by life situations like this. So what’s the worst thing that could happen? People laughing and throwing things? I doubt it.Positively Thinking Worst Case . most people in your audience would rather die than speak. What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. And if they did laugh.
For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. why not be positive. unrewarded accomplishments often lay the foundation for building to higher levels of achievement.Lifemoney getting a reply. Without those first small steps there could be no end result worth noting. Think of it this way: you’re going to have to spend the day in some way. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. Everyone faces down times. 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. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. lack of feedback can lead to negative thinking. She’s probably like all the others. The way to get over them is to keep it moving until something positive does happen. Unless you’re prepared to wait. This relationship is going nowhere. 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. 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. 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. 176 .
Or maybe the girl has a habit that reminds you of someone you used to date.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. 177 . The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. especially if others are telling you it won’t happen. trying to get into graduate school. The key is to quickly counter the negative talk the instant you recognize it. or climbing to the top of your profession may seem unachievable at first. going back to college at 40. But that is the time to push the envelope to reach your dream. it may seem unreachable 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. Create a Repeatable Success Thought When you set your sights on a distant goal. For example. I’m going to call her and plan something exciting. They rob you of positive energy and momentum. the faster your mind will change into a direction that goes forward. We ought to try a little longer in case this turns out to be something good. 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. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so.
” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence. Goal Achievement Exercise V Take out your Workbook. The more you say it.” (Too short and vague) 178 . the sooner you will believe it. To avoid negative self-talk and track negative thoughts. “I’ll stop spending. write down positively phrased replacement terms you can use as success thoughts. I call these “success thoughts.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. “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. Be specific and limited.” (Too long and detailed) 2. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. Nothing can block my success. and repeat it often. I do not need second helpings. I will speak up at today’s meeting. I will take my wife to Hawaii next year. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1. Make your success thought as specific as possible. Don’t write long sentences or anything that is too short or vague.
After a few weeks. and you have to fight. it’s how you view them and what you do about them that matters. Lifemoney Currency “Anything is possible.” (Positive.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.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. such as. “I won’t charge more than $50 weekly.” (Positive. 179 .” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. “I’ll use just one credit card. When you fall down. update the success thought for a related goal. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. Everyone makes mistakes. Instead. “I’ll pay my balance each month. specific and helpful) 2. detailed and valuable) Use your imagination to come up with more positive statements like these. but you have to think positive. pre-recorded message that reminds you to stay on track. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance. but the important thing is to think positive. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1.
Lifemoney Don’t let past failures hold you back. Although others may have held you back at one time or another or you may have to seek help to reach your goal. Keep focused on what you want. Think about the things that are positive in your life.” 180 . Don’t let anything keep you from getting it. 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. remember that you are responsible for how your life turns out. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains.
_____ 10. _____ 5. I repeat success thoughts to myself as often as possible. proactive thinking. with the waiter on his way over to fill it up. I keep moving ahead even though I’m not getting immediately rewarded.Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. _____ 2. giving yourself 10 points for each checkmark and 0 points for any left blank. some view the glass as half full. and then tally your score. to fix my situation. I am watching for opportunities to say yes to. I am learning to manage personal and job-related stress by positive. _____ 9. _____ 1. I refuse to hold on to negativity and past misbehaviors. _____ 3. but rather. I will not let others’ pessimism interfere with my plans to reach my goals. _____ 8. I view the glass as half full. I will continue viewing myself as a winner. Lifemoney Currency “Some view the glass as half empty. _____ 4. I am making consistent efforts not to complain. I can see how past accomplishments have prepared me for the future.” -Brad Turk 181 . not a loser. _____ 7. I will act as if I’m in the role I want to play. _____ 6.
We want it now. it turns denying yourself into investing in yourself. We want it all. Not true. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. I had surgery 14 times to pin and plate. When you recognize that sacrifice is frequently a part of success. 182 . it just doesn’t come naturally. Successful people know that dreams don’t come pre-packaged overnight. But I have broken 35 bones.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. If we could find a way we’d have it yesterday.” -Evel Knievel Overview Few of us do well with sacrifice. I forget all of the things that have broke. They say I have broken every bone in my body. I shattered my pelvis.
Was the sacrifice worth it? You’d need to ask him.000 in domestic box office sales. store or business. Why? Because they work hard.100.000. grateful for the opportunity to have all the work they can handle. She’s Gotta Have It. to get his first film project. In 1986. rigorous job to get where they want to go. 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. there are people who were born in this country who complain about the lack of jobs. sleeping just a few hours a day. would you? 183 . But if that was the only way. It cost him $175. off the ground he did just that. saving every penny to open a restaurant.big time! Big or small. Yet. They lay everything they have on the line. Ask filmmaker Spike Lee. This much I can tell you. you have to make those kinds of sacrifices. Spike Lee knows that sacrifice can pay off . Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying. some become millionaires. Some work two and three shifts for years at a time. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants.Sacrifice Borrow. It’s a real risky strategy but sometimes when you believe in something strongly enough. They are simply unwilling to sacrifice anything to get where they want to go.000 to make the movie and it grossed $7. I will tell you right off the bat that I wouldn’t be.000 in sales. sacrifice is often a part of any success story. Within a generation. but I can tell you that Spike would probably say yes. Many immigrants come to this country with nothing but the shirt on their backs. Since then Spike Lee has produced at least 22 other films that have made over $433.
Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. 184 . Pulitzer Prize winning political cartoonist. Lifemoney Currency “Judge your success by what you had to give up to get it. There were no shortcuts to success. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested.” -Dali Lama Sacrificing for Success Mike Luckovich. 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. took a job as an insurance salesperson straight out of college.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. 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. at almost any cost. He had to sacrifice his nights and his only free time in order to get where he wanted to go.
Choose one of your goals and write it out. 185 . and I can’t make up your mind for you. and you will have to be ready to give it when the time comes. For example. or he might have gotten discouraged and given up. I am committed to helping you get where you want to go. They are costly and precious. have.. You have to be willing to do whatever it takes to claim them. What do you have in your life now that is expendable. However. But he stuck with it. list three things you now do. $100 per month for a gym membership. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. if becoming more physically fit is one of your goals.. improving the lives of millions of people. Ideals are not cheap. He could have taken the easy route to avoid jail time. or is your goal just a casual want? Only you know. spent months in prison rather than surrender his belief in equal rights for all people.Sacrifice Martin Luther King. 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. List the tradeoffs you are willing to make to reach one of your goals. and giving up your weekly poker game to play tennis. your sacrifices could include six hours of your time each week for daily workouts. Below the goal you just wrote. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. Jr. Goal Achievement Exercise W Take out your Workbook. and/or enjoy that you are willing to part with in exchange for your goal. etc.
They’re both chasing the same dream: business success. there would be no effort or cost attached—and they would mean very little. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. Have you ever planned to buy a special gift for someone? You may set aside every extra penny you can get your hands on in anticipation of buying that present. they will mean the world to you because of what it cost to reach them. Which one do you think 186 . 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. If you could just reach out and get them today. Whether it costs $20 or $200. when you do reach your goals. you eagerly add a few dollars here and there to save up the needed amount. But as we’ve seen that’s not always the case. But after years of careful thought and unwavering perseverance.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. you proudly go out and purchase the gift. Success has value because you have to work for it – you earn it. presenting it to your friend or loved one with a sense of tremendous accomplishment. When you get enough. One is given everything by rich parents who buy her everything she needs and most things she wants.” -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. You can view your goals in the same way.
But no plan is complete without counting the cost of reaching your objectives. Put less important things on hold. In planning for your future. Seek help when I get stumped. 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. volunteering. etc. Invest a certain amount of income toward reaching my goal(s). or taking a class. Why does she appreciate it more? It’s common sense that when you pour out your own blood. • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. you have already begun to outline some of the goals you hope to reach and have created a plan to get there. You’ve probably heard the saying.). or run into problems. money. 187 . Get feedback from those who already have accomplished similar goals. That cost is part of the joy of success. Period. Develop a needed skill through a second job. write a book. sweat and tears for something you’ll own it in a way that nobody else can appreciate.Sacrifice appreciates the success more? You know the answer.” Do you feel that way about your road to success. Find the non-essential time-eaters in my life and eliminate them. “anything worth having is worth working for. at least temporarily. Are you ready to figure out what it will cost in time. 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.
But if you save and invest it. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come.” -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. The wealthy will have enough from current savings and investment plans. If you spend all you have. It’s a simple fact of life. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. Underachievers live for the day and overachievers live for the future. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals. you will have enough for today and tomorrow. too. but less than twenty percent of the population do so. there will be nothing left. 188 . 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.
watch your favorite television program. Do this exercise well and discover how much more you get done and how much better you feel. When you have successfully conquered the need for instant gratification. Instead. eat some ice cream. etc. many areas of our lives undergo postponement. When you think about it. List two or three fun things you want to do today. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. Often we don’t find out about a medical test result for several weeks. Then underneath each item you expect to give yourself today. Make sure that those things on your list are things you really want to do. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. It might be go for a walk. go shopping. list something you will get done before you have your fun. This might challenge you and be a little difficult. All of these things take patience. List one or two tasks you will have to complete before you get your reward. Let’s build your ability to delay gratification. almost any achievement in the world will become immediately more achievable. 189 . For example most of us don’t get paid for our work at the end of each day. we collect paychecks every week. Goal Achievement Exercise X Take out your Workbook. or at the end of the month. which in the end brings it own kind of reward. play tennis. In other words we’re doing it anyway. every other week.Sacrifice Delaying gratification is something you get used to.
then I can expect halfhearted results. making community contacts. I don’t do things half-heartedly. and it may seem difficult at first to find enough extra income to make regular deposits. say $25 per month. Finding time to work on long-range goals may seem impractical. this could involve reading. and social activities.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. The same is true for working toward your future goals. Depending on what you hope to achieve someday. family.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. the results will come. Many goals that seem hard at first become easier once you get momentum established. But with a little effort. especially if you begin with a reasonable amount. doing 190 . setting aside time for future rewards is like making deposits in a savings account. so you will never miss the amount of each savings account deposit. Because I know if I do. So do it. you can arrange for a direct deposit straight from your paycheck. You may be reluctant to open a bank account. Devote fifteen to thirty minutes several days a week to your goals. But you won’t know that until you pull the trigger and get moving. pulling the trigger and going for it. Start small. Just do it. We barely have enough time to get through a typical day with the demands of work. But actually. Most of us lead busy lives.
you may need to first attend some political rallies. of course. do it. then you have to keep on doing the whole lot. 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. 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. Everyone has to pay their dues as they work. that if you can’t tell which half. Naturally. or volunteer as an aide to learn the ropes. this means you’ll have to give up something in exchange for this valuable daily time. you will be rewarded. fully aware that not all of it will produce rewards. Remember that one of the keys to success is to learn everything about the role you want to play. so pull the trigger now and get your show rolling. Whatever it is you must give up. Sometimes it seems unfair. from the inside out. But if you keep pulling the action and sacrifice trigger.Sacrifice volunteer service. And keep pulling the trigger at each “next” level of achievement you’re taking. Whatever your goal. Pull the trigger already. Life is a bit like that. visit with your representative. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. You put in 191 . His point was. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen.’ but he didn’t know which half. keep in mind that you may have to work through several levels of effort to reach them. For example. 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.
I know it isn’t fair.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. 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. You’re polite to people and everyone seems rude back. Your efforts will be rewarded eventually.” This quote summarizes a great lesson I’ve learned throughout my successes. This is the shadowland of hope. and anyone with a dream must learn to live there. you have to keep doing the 100% because you don’t know which bits will pay off. but then life isn’t. Well. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work.Lifemoney loads of effort and get nothing back. It reads: 192 . You work up a sweat. It’s a simple lesson that has never failed to produce great results for me. and others cruise it.or for what -. The lesson is that you must continually give 100% effort in the direction of your dreams.and which aren’t. engraved there to inspire the youth of that school. but you’ll probably never know which efforts are being rewarded -.
Maybe they should. we have to figure out which ones we want most. Nobody wants to hear about effort and work and sweat. But show me someone who has achieved their dream without it. an Irish cop played by Sean Connery. What are you prepared to do? 193 . 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. and then force ourselves to work hard for them. Good things don’t just happen to us. if you build your Lifemoney. the whole process of success becomes easier. 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. The good news is that if you’re in love with your dreams and want them so badly you can taste them. the work doesn’t seem like work. Instead. then he dies. and someday my chance may come. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. In the movie. Are you prepared to follow this through. One of my favorite movies is The Untouchables. 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.Sacrifice “I will study and get ready. one of Ness’s fellow agents. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. Those people just don’t exist. In addition. It’s not nearly as bad as you might think. having been mortally shot. Sacrifice is sort of the dirty word of success.” The emphasis is on the preparation. At the climax of the movie. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. but they rarely do.
Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. Most do not pay off immediately. sacrifice pays off. at almost any cost. to reach out and grab your future? Don’t spend the rest of your life wondering what might have been. Be prepared to give up more of what you have to get more of what you want. 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. In the end. focus on “what am I going to get in return?” Investments of time or money are long-term deals. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in.” -Wayne Gretzky 194 . and some require harder work than others. Only you can decide what you are willing to give up in reaching your goals. 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. But don’t dwell on the negative aspects of “what do I have to give up?” Instead. No one likes to sit around wondering what he or she has to give up as an investment in a dream. the payoff will eventually be seen.
_____ 5. I am learning to delay my gratification for both the present and the future. I am pulling the trigger on my talent today. I am willing to pay the cost that is required for me to meet my goals. and then tally your score. _____ 8. _____ 1. I have identified several things in my life that I must sacrifice for success. _____ 2. giving yourself 10 points for each checkmark and 0 points for any left blank. I will put forth 100% effort at all times. I believe that planning for the future is as important as getting by today. _____ 6. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . _____ 9.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. ____ 10. I am prepared for life. I am willing to set aside less important activities to focus on my goal. _____ 7. _____ 4. _____ 3. I have calculated my goals’ financial costs and scheduling adjustments. Some of my goals will require that I hang tough.
It is the ability to let go of the need for immediate gratification. 196 . without experiencing anxiety. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results.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. Yet our lessons come from the journey.” -Don Williams. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. By patience. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. J Overview Having patience is a key ingredient to successful living. I mean the ability to sit back and relax while waiting for an outcome. tension or frustration. not the destination.
It’s as if patience is a simple building block of satisfaction. This can further result in losing important things like business relationships. relationships and personal growth when you lack patience. How do I differentiate the two? A sense of urgency is a good and powerful 197 . jobs and friendships. the results just won’t last long. But I am careful to differentiate urgency. you run the risk of anxiety. This is one of my personal flaws that I am working on. unhappiness and sometimes even anger. 5) If something doesn’t work immediately.this task has two many steps. which can be very destructive. you need to be patient and wait for your results. 4) I hate having to do or say something more than once. 3) I can’t stop for even a second until I reach my goal. I have to be honest with you: I happen to be a very impatient person. which is a powerful force that gets things done. without which you are going to suffer. I’m going to move on to something else. from impatience. When you stress yourself to create results too quickly.Enjoy the journey 2) I will never get to all the things I have to do. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say. 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. Gradual change and growth give you the greatest chances for success. There are many negative consequences on health. When you force efforts. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. 6) I just don’t know where to start .
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 have an unrealistic expectation of speed. For example when I take on tasks that are really time consuming (this book for example). and don’t let the things I can’t control stress me out. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. If I can’t change or alter a situation. I can’t control those timeframes. And this is probably true for you too. But when urgency is applied to things I can’t change. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. It’s a quality that helps me act quickly and get an enormous amount done.Lifemoney tool. If I’m not careful this can create impatience in me. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. I told 198 . I’d brought on an investor to put up the money for the deal. I need to clear it from my mind. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. urgency turns damaging and can lead to senseless and sometimes destructive impatience. 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. 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. Based on where I was in the process and the faith that I had in my contacts in Mexico. This is a struggle for me as it might be for you. Mexico.
6 million dollars. Outraged by what transpired. regroup and come up with a game plan. So there I stood in Mexico. There was so much I had no control over. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. and patience was number one. Based on the trust that I had built with the investor on past dealings. I flew down to Mexico for my big meeting and to sign paperwork.6 million already invested in the equipment needed for this project. I wanted this deal done. I picked up my things and told the company I was meeting with that I would look over their new terms. 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. he decided to partner with me and put up the $1. a partner who trusted me enough to put up that $1. 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. and then I left the meeting.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 noticed that they had changed all of the terms of the deal. When I sat down in my meeting and went over the paperwork that they had prepared. 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.000 that was needed to get this project going.600. I immediately extended my trip from 2 days to a full week. It took all the Lifemoney lessons I talk about in this book to get me through this situation. $1.
I would have never completed this deal that wound up being a very successful project for me. If I did not have the patience to stick this out. reevaluate your objectives and make your goals more realistic for your needs. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. 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. Focus on the results and not the task. So what should you do to be more patient? Make an effort to keep track of the following things: • • • • Break large goals into pieces and focus on one piece at a time. Do something fun and celebrate your incremental success. I started making calls and finding out key contacts and setting up appointments. If your goals don’t seem to be on track. 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. Get preoccupied with another task until you have results from the first. 200 . • Stay busy. • Reward yourself for completing something difficult. Look at the things you have accomplished to date. Why? Because I was patient and focused on controlling what I could control.Lifemoney had met with.
I find something to make me realize that it’s not as bad as I think it is. you will wake up and have missed out on what life really has to offer. 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.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. When I am having a bad day. I’ll realize today is beautiful and I should appreciate my health. For example. 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. The 5 Year Test Another very effective technique I use is the 5 Year Test. I open the window or take a walk outside and enjoy it. before you know it. Chances are you will look 201 . You need to live today like it was your last day and plan for tomorrow as if you were living forever. Here’s a very personal technique I rely on to help me enjoy the daily journey. We need to count our blessings and enjoy what we do have and make the most of every day. 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. If you do. In 5 years looking back at the issue. You need to start enjoying a little everyday. Think of all the fun and excitement you will miss if you don’t savor every moment. 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. Who said life has to be hard? It is only tough if you make it tough. Don’t take time for granted and let your life pass you by.
a joke.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. A good meal. so we need to make the most out of our time. it probably has no bearing on your life now at all. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook.” Do you remember your first break up? No matter how sad you were at the time. You will remember that in 5 years. Now. List 2 problems that you have had in the past. they seem unimportant. Time moves faster than we all want to believe. A death in the family is terrible and needs grieving. spending time with friends or family. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. 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. list 2 problems that you are presently facing and put them through the 5 year test. that when you look back on. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. 202 . Don’t let one day pass you by without appreciating something that you may never have or see again.
After all these months.. unnoticed things we do all the time." he is asked. at the end of the day what is truly important may be the simple. Morrie. Tuesdays With Morrie. friends over for lunch. going out to a restaurant for supper.Enjoy the journey In the best-selling book. a walk in the midst of nature. Albom asked Morrie a question: "What if you had one day perfectly healthy ." Morrie replies. talking with people. In a chapter entitled We Talk About The Perfect Day. a swim.175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals. lying there. "It was so simple.how could he find perfection in such an average day?" Then I realized this was the whole point" (p. 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. "That’s it. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. Don’t overlook the obvious in your quest for the brilliant.. 203 . "That’s it.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea. author Mitch Albom visited a former professor. I was actually a little disappointed. dancing. So average. unable to move a leg or a foot . And going home and having a wonderful sleep.
The people who succeed find reasons why they can do something. Don’t make excuses find solutions and make it happen. I know successful people who are making it big in things they don’t care about. I think people are 204 . Think about the person who is working outside in the heat. But I do agree that passion helps. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. 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. Some people complain about going to work when they work in beautiful air conditioned offices. it won’t feel like work.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else.” -Brad Turk Appreciate what you have and don’t complain and make excuses. better yet. In other words. the people who fail find excuses for why they can’t. there is always someone with less doing more than you. 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. In the process appreciate what you have and enjoy it.
There is a story about a young man who wanted to become a famous writer.” At least that’s the way I am. In fact. Try to create an external world outside of your business that enables you to have fun. be stimulated and enjoy life…. 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. Day after day. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. My suggestion is that if you have a good job for which you don’t feel a lot of passion. then look hard to find something you’re passionate about and consider a career change now. Sometimes the ends do justify the means. But what if your job is the last thing you feel passion for? What if you are one of those people who has to put up with an aggravating boss. 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. He hardly noticed the leaves turning colors outside his small window.and create some financial success that can free you. But whatever you do. make sure you “Go out and live!” and don’t miss the beautiful things in life today because you’re so down about your situation. You can do that. If you can’t stand doing what you’re doing. he locked himself into his attic office and plugged away.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. writing one manuscript after another and firing them off to the publishers in hopes of being accepted. see your job as your vehicle to get you someplace else. Then one day he 205 .
Better luck with your novel. and have moved out. Walking through one room after another. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money. the object is to make your life enjoyable. The moral of this story is that success by any means doesn’t always “mean” success. the man went downstairs and was amazed by the quiet that filled his whole house. found a publisher’s letter saying that his book would be published. Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. Don’t stop yourself from relaxing and recouping. As he got angry when she did not bring the mail at exactly 2 p. Again.m..” Ironically. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. the man. List 5 things that you are going to do to ensure that you are enjoying your journey through life. now middle-aged. Goal Achievement Exercise Z Take out your Workbook.Lifemoney waited for his small daughter to bring up the mail. 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. Renew your energy. in checking the mail. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. they were all empty of his family and furniture. If you are stiff and focused on a goal and have such blinders on 206 . But it had cost him far more than he had ever imagined.
I want my rewards as I go along. and how to really enjoy the ride. There’s plenty of time to be dead. If you’ve figured out what you’ll miss the most when you leave. you’ve gone a long way to deciding where to spend your free time. and sometimes the answers you generate for yourself are wrong. This much I know: success without enjoying your journey through your days is pretty worthless. you are missing out. the small everyday things are the things you’re going to miss the most.Enjoy the journey that you are letting life pass you by. I don’t want to miss out on life to get my reward someday in the future. Lifemoney Currency “Enjoy life. My motto is work hard.” -Anonymous 207 . play hard. Take the time to smell the roses. It goes by both very fast and very slow. 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. You need to have a balance. Patience and Enjoying the Journey Summary Life is funny. because when you’re finally done and outta here.
” -Brad Turk 208 . giving yourself 10 points for each checkmark and 0 points for any left blank. I will take time to stop and smell the roses. _____ 5. _____ 1. _____ 3. _____ 10. Lifemoney Currency “Live today like it was your last day. I will take a break from time to time to rejuvenate and enjoy my life. and then tally your score. I will have urgency in my work and patience waiting for my results. I will practice the 5 Year Test I will not stress over things I can’t control. _____ 9. _____ 8. I believe my day to day efforts will have an effect in the long run. I will find something positive out of everyday. I will break goals into pieces and patiently work on one piece at a time. _____ 2. I will not take for granted what I already have.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 6. _____ 4. and plan for tomorrow as if you were living forever. I will not wait until it is too late to enjoy my life. _____ 7.
101 Affirmations 209 .
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