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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....
...................................... ................. Inc..........................................................................11 Learning About Business.52 A Fish Story ..............................................................................................................................................47 Get Rid of It! ..............32 Win Life’s Lotto (Real Wealth is Measured by Achievement...................... / MyMusicSite...............Table of Contents Introduction: Millionaire by 30..........................................................................................................................37 Lifemoney Lesson # 2: Knowing Yourself .............................................................................................................................................24 Want to Succeed? Sleep Late!.............................................................................................................................44 What Are Your Limitations?....................Find More.....................................................................................................23 Lifemoney Lesson # 1: Defining Success................................................................................................ Retired by 35: What Lifemoney Means to Me................21 …You Can Do It..................................................15 This Was Only the Beginning ...... Inc...............................................................................................................................28 WHOSE Dream Is It.....................................................................................................................................................................................................................56 v ....................................................................................................................................51 Make Less ............................42 Goal Achievement Exercise C .........................................................................................................................................................................................................31 Goal Achievement Exercise A.....................................................................38 Sometimes It’s Better to Strike Out .....9 Looking for Motivation .................39 Don’t Be a Stranger (To Yourself)...............................................................39 Who are you? ......................................................... Not Cash) ...............................................................................................................................................48 Buy Stock in Yourself ..............................................................24 Overview..........................41 Goal Achievement Exercise B ..........................com ...........................................................33 You Are in Control..................................................................................................................................24 Success on Your Terms .....................................................................................10 Knowing Myself........................18 Heat Wave Tanning.........................................................................................................36 Millionaire’s Checklist: ................................................................................................. Anyway? ......... 6 Overview.....................................................................................................................................8 Persistence Pays Off ................................................................................................ Inc...................................38 Overview.......................................27 Find the “U” in “SUCCESS” ...................................................................53 Can You Dunk?.................................46 Goal Achievement Exercise D..................................................................19 Self Made Records........ ...................................................................6 My Early Years ...................................50 Goal Achievement Exercise E ..6 If I can do it… ....................................................................................... Too!................................................................17 Global Business Solutions............................................................................................................... 1 My Lifemoney ..................13 Getting Focused...........................................................34 Defining Success Summary .....................................................................................................................
............................................................................................................................................................. 116 MacGyver It!................................................. 116 Can’t Get a Job? Buy the Company! .........................................................................................................................................................................................................................................................................85 Tool #3: Efficiency ..................................................................................................71 Three Huge Obstacles............................................................59 A Quick Review ..........................................88 Goal Achievement Exercise L ................................................................................. 105 Maintaining Your Course ......................................................................................................................................61 Establishing Action Steps ..................................................................................................................................................................................................................................What If You’re Way Off Track?.......92 Tool #5: Do or Die Trying Commitment..........................................72 Goal-Setting and Overcoming Obstacles Summary...................................................................84 Tool #2: Time Management ......................................................................................................................67 Nothing Can Stop Me Now…................................................ 103 Goal Achievement Exercise M ................................................................................................. 114 Millionaire’s Checklist: .........................................................................................65 Write It Down ...............................101 Overview................................................................................................................ 118 vi .........................81 A Successful Person’s Tool Belt ...................................89 Tool #4: Priorities........................................................57 Millionaire’s Checklist: .................................................................. 111 Evaluating Your Progress Summary .....................98 Millionaire’s Checklist: ..................................................................................... 110 Goal Achievement Exercise N........................................................................................................................................................................... 101 Progress Report ..............58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles.............................79 Millionaire’s Checklist: .................61 Goal Achievement Exercise F ............................................................59 Overview........................................................................................ 101 Don’t forget the map! .......................................................................................................................66 Goal Achievement Exercise I ...............................................................79 Lifemoney Lesson # 4: Gathering the Tools for Success.....................................................................69 Goal Achievement Exercise J ................................................................. 107 O............63 Goal Achievement Exercise G......................................................................................70 Goal: To pilot my own airplane ....................K…...............................................................................................................83 Goal Achievement Exercise K.................................................................................................95 Gathering the Tools for Success Summary...................................................................................................................... 100 Lifemoney Lesson # 5: Evaluating Your Progress ......................................................... 115 Lifemoney Lesson # 6: Resourcefulness.........................................................................................................................................................................................................................63 Timelines ........................................................................59 Step Up .........81 Overview.....................................................................................................................................81 Tool #1: Focus ..............................................................................................60 Start by Writing a Goal.........................................................................116 Overview.....................................................64 Goal Achievement Exercise H.................................................................................................Knowing Yourself Summary ...................
............................................................................................................................................................................149 Overview................................................ 167 Change the Mental Channel....................................................................................................................................................................... 175 Eliminate Negative Self-Talk........................................................................................ 195 vii ............ 178 Positively Thinking Summary ..................................................................................................................................................... 127 Find An Expert ....... 128 Goal Achievement Exercise P ...................................................... 131 Millionaire’s Checklist: ........................................................................................................ 125 Goal Achievement Exercise O.............. 166 The Multi-Millionaire Blues ................ 130 Resourcefulness Summary........................................................................................... 137 Five Creativity Factors ...............................................................133 Overview.................................................................................................................................................................... 137 Millionaire’s Checklist: .................................................................................................................................. 183 Sacrificing for Success ............ 149 Goal Achievement Exercise S ........................................................................... 122 There’s No Need To Grow Up...................................................................................... 176 Create a Repeatable Success Thought ............................................... 184 Goal Achievement Exercise W . 135 Goal Achievement Exercise R ............................................................. 171 Goal Achievement Exercise U........ 194 Millionaire’s Checklist: ................................................................................................................................................................... 170 Don’t Complain ............. 147 Lifemoney Lesson # 8: 12 Steps for Power with People...................................166 Overview......................... 164 Millionaire’s Checklist: ....................................................................................... 133 Goal Achievement Exercise Q.................................................................................................................................. 165 Lifemoney Lesson # 9: Positively Thinking .......... 182 Borrow...................................... 181 Lifemoney Lesson # 10: Sacrifice ............... 174 Worst Case ..................................................Keep Looking ..................... 189 Sacrifice Summary ...... 151 Turk’s 12-Step Plan for Bridge Building.................................................................. 185 Goal Achievement Exercise X....... 135 Dream It.............................................................................................................................................................Best Case.................You’ll Find It ..........Fix It ..................................................................................................................................................................................................................................... 149 Sharpen Your People Skills ..................................................... 166 Where’s Your Head At? ........................................................................................................ Go into Debt and Max Out Your Credit Cards .................................................................................................................................................. 133 A Lesson From Trump .................................................................................................................................... See It...182 Overview.............................................................................................................................................................................................................................................................................................................................................................................. 132 Lifemoney Lesson # 7: Creativity ................................................... 173 The Key to Success? Live Out Of Your Car............... 179 Millionaire’s Checklist: ............................................................ 152 12 Steps for Power with People Summary .............................................. 169 Goal Achievement Exercise T .................................................................................................... 177 Goal Achievement Exercise V....................................... Do It! ............................................................. 175 Keep It Moving ...........................................................
............. 201 The 5 Year Test ...................................................................................196 Overview......................................................................................... 201 Goal Achievement Exercise Y................... 196 Mañana .................................................................... 202 GOAL (Go Out And Live)..... 202 Seek Happiness in Simplicity ......................................................................................................................................................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey ................................................................................................. 207 Millionaire’s Checklist: .................... 200 Enjoy the Journey........................................................................................... 204 Goal Achievement Exercise Z ............................................................................................................................................. 196 Doing Time .. 206 Patience and Enjoying the Journey Summary......................................................................................................................................................................................... 208 viii .................................................................................. 198 So what should you do to be more patient? ....................................................................
Introduction: Millionaire by 30. Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire. not money. 1 .” -George Foreman Life comes first. Money is simply a tool to help you get what you want out of life. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first. it’s at what income. Lifemoney will show you what you really need to live the life you want. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how. new entrepreneurs perfectly – but can be adopted at any age. Lifemoney will help you understand what success really means and teach you how to attain it.
000 in quarterly bonuses. yet most people don’t use the correct tools to get what they want. be it a million dollars. In this book.One of the most unique features of Lifemoney is that it’s entirely personal. part financial management. a new job or just a raise or promotion in your current job. For example.000 a year or $2.400. it’s not the dollar figure I define as Lifemoney that’s important. part how-to. it’s not the job that I feel is prestigious that matters. Imagine having the task of hammering a nail. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. 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. 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. 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. Would you use your shoe? Would it work? Possibly. if it’s money that you’re after. It could be $240 a week or $240. a new home. it’s the dollar figure you define. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. it’s the job that makes you happy on a daily basis or brings you closer to your goals. Part self-help. If it’s career happiness you’re looking for.
The exercises in the book 3 . Through my interactions with many successful and famous people (some recording artists. I have been fortunate enough to learn that most successful people share a lot of the same attributes. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. some executives. I have distilled those attributes. This book will show you what those characteristics are. and want to share them with you. characteristics and personality traits that you will need to get you there. let alone both? I was a millionaire before the age of 30 and retired soon after. My definition of success is simple: Accomplishing what you set out to do. If you learn these lessons – and actually follow them – you can and will succeed.). Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . along with real-life examples you can use to plot your course for success. used them for my own personal success. etc. So who is Brad Turk and why am I qualified to write a book about life or money. My schedule and time belong to me and I do what I want with my days. Instead of concentrating solely on the financial aspects of making your first million. It offers a set of tools. But more importantly. Lifemoney will give you a blueprint for success in all facets of life. I am living the life that I want to live. there are common qualities.most of whom happen to be multimillionaires. This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life.My Lifemoney WANT. not just financial. Whether you are looking to be the next pop star or the perfect housewife.
4 .will help you discover those personality traits within yourself and develop a plan for using those traits effectively. see what works for you and. While reading Lifemoney you will become familiar with these attributes. In this book. prioritize and manage time Learning the value of determination and commitment in attaining goals • • • • • • Learning how to evaluate progress and welcome criticism Learning how to be resourceful when overcoming obstacles Learning how to deal with people effectively Learning how to use creativity to get more out of life Using the power of positive thinking Learning to sacrifice some of what you have to get more of what you want • Being patient and enjoying the journey Lifemoney is designed to walk you through each of these attributes. you’ll find ways of: • • • • • Understanding what success means to YOU Matching what you want with your abilities Learning to go after goals by setting specific tasks with timelines Learning how to focus. 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.
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. Clearly. Repeat these affirmations to yourself when you need a quick boost. there is more to life than money but you just can’t live in this world without money. 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. 5 . The higher your score – the higher your Lifemoney skill level. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it. I have created a list (that I use) of affirmations that you can also download for FREE at www.bradturk. These proven tools are specifically designed to help you plot.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. Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs. What’s the answer? Lifemoney. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement.bradturk. list and track your progress. Everyone needs some kind of stimulation and/or support to keep their spirits alive.com. This checklist will help you quickly see if you are developing the skills that were discussed in that lesson.
Through experiences as diverse as being a break dancer. rich and retired. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself. 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. entertainment field and having a 6 . If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. I achieved personal and financial success through various ventures in the telecommunications industry. business owner and entrepreneur. salesman. Over the course of my very short professional life I’ve achieved the American dream: I’m young.
Instead. whether it was through direct interaction with a mentor or learning from other sources. Consider these lessons to be the fishing rod. adapting the rules of success to your personal situation. It is often hard for us to look at a Russell Simmons or a Donald Trump and think we could ever attain that level of success. These lessons can be learned by anyone.My Lifemoney retail tanning salon. All the successful people I discuss throughout this book including Warren Buffett. I did not strike it rich in the dot.com arena or hit the lottery. and if you’re willing to be my student for just a short time I can show you how. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. That’s what Lifemoney is all about. boat and everything you’ll need for a life of accomplishment and success. Diddy and even myself have been “taught how to fish” at some point in their lives. Think of the old story about giving someone a fish or teaching them how to fish. 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. Give someone a fish and they eat for a day. 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. Not all of these successes share the exact same 7 . teach them how to fish and they eat for the rest of their lives. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. You’ll never need to go hungry again. It’s not that hard really. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success.
I learned these lessons by reading books of successful people and from my peers. 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. and no money. When I got to junior high. Mom didn’t let it stop her. By the time I was in fifth grade. rapping and acting. (Oh. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . new neighbors. My Early Years I began life in the Pomonok public housing projects in Flushing. I won’t be insulted.Lifemoney attributes. There were new surroundings. In addition. but they usually have a lot of similarities. new opportunities. and by the way. She kept right on plugging away with her 3 jobs. though. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. and she was a tremendous teacher. best of all. I got heavily into break dancing. You can always come back to me later). 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. That’s where I first learned about work ethic. my mom and I had moved to Forest Hills. I relate this in the hopes that you too can see similar possibilities for learning in your life and understand that you can acquire the tools that are needed to be successful. if you don’t care about me and want to jump right into Lifemoney Lesson #1 and see what YOU need to do to be successful. New York. New York. new friends and. It was a much nicer neighborhood.
I decided not to sit around and wait for something to happen. Finding an agent to represent my efforts was. Since my working mom didn’t get home until late I would go alone by train. To follow my dream I had to overcome several obstacles. as well as how to contact them. Actually.My Lifemoney industry. I’ve always been a hustler. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. I bought a reference book called The Ross Report. I followed directions exactly and sent my headshot along with a resume to one hundred agents. and thinking outside the box. For starters. In fact. I sent the package out to the same agents two times but didn’t get one response either time. dealing with people. But the first rule of success I learned was to work around your obstacles. This is when I first began to learn about the value of persistence.” The do-not-call rule was strongly enforced. Persistence Pays Off To make it in the acting field you need an agent. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. not easy. The first agency I visited was Schuller Talent. as you can imagine. a renowned child talent group. the only way to contact agents was to send query letters with photos and resumes. Frustrated by the lack of response. not succumb to 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. They represented such actors as Emanuel (Webster) Luis. which listed talent agents. Most emphasized the boldface message “not to be called or visited. a huge child actor of the time 9 . and I began going into the city (New York) for auditions to try breaking into the business.
and found the success I was seeking. Looking for Motivation Unfortunately. 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. I didn’t do very well in high school. From the corner of my eye I noticed a woman standing in the doorway. who was extremely nice and reassured me she would get my packet into the right hands. She followed me out and introduced herself as “Davina. going out near the door where the other woman had been listening. I often skipped classes. As a result. I set out to get answers to my questions. I returned the following week.Lifemoney and Danny Pintauro. Had I continued to wait for calls that never came. I told her I just wanted to make sure it got into the correct person’s hands. I turned to leave. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. But taking the initiative. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. After thanking the secretary. 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 might not be where I am today. I barely 10 . I thought that she was listening to what was going on. auditioned. and when I did show up I didn’t pay much attention. Not surprisingly. and signed with Schuller for representation. I continued my conversation with the secretary. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. Hanging out with my friends and social activities seemed more important.” the agent in charge of the group that I wanted to join.
Knowing Myself In time I would become a very successful entrepreneur. I applied for a double major in business and theater and. they didn’t want to pay for it. The following semester I got a 3. I was looking to make a lot of money and enjoy nice things. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go.88 grade point that term. But he and my mother told me that they would only support me if I did well the first semester. For these reasons.My Lifemoney made it through. If I was going to “screw up” like I did in high school. My father had resurfaced in my life to pay for college. And. they explained. the odds are severely stacked against huge financial success. 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. and was eventually inducted into the Phi Eta Sigma national honor society. After getting in. I learned early on that being a struggling actor was not for me. With this pressure from my parents. I got accepted. I changed my habits and learned how to be a student. Through hard work. I had a hard time getting into college. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. It was a great lesson: Not all of success is flashy and easy.92. 11 . Although you can make a good income from acting. using my acting resume. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. I earned a 3. I realized that my next job was staying in. The only thing to be decided was how I would get where I wanted to go. I decided I didn’t want to end up stuck with no way out.
So I took a different route and it has paid off for me.” I bought his lunch that day. He answered. But before I fully ventured into business. I spent the last years of high school and beginning years of college working toward that goal. As with my junior high acting days.Lifemoney I remember meeting a good friend of mine. as with acting. I sent out many demos to try and get people interested. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. Looking back. I asked him if he was going to order anything else. I knew myself and knew movie stardom wasn’t the right route at that time. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. But. When he only ordered soup. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. “It’s cheap and it fills me up. But his limited income made it clear to me that this was something I did not want to do. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. for lunch one day. It was a real education. the music industry does not often accept unsolicited 12 . 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. a struggling actor. Today he’s a successful actor who can go anywhere and order anything he wants. I still had some entertaining left in my system. For him. When it came to making money. That could have happened for me but I knew in my heart it wasn’t MY reality. I wanted more of a sure thing than acting. the sacrifice has paid off. I could see the moment in that restaurant as a turning point.
A key lesson I learned was that if you want to understand an industry. Although no longer in existence they were one of the premiere labels at the time. I entered the Pepsi Rap Up the Summer Contest. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. I recognized the value of this attribute and stored it away for later. This is exactly how you build Lifemoney. even for free. I got a job as an intern (for no pay) working for PolyGram Records. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. I kept working toward my goal of becoming a rap artist and trying to learn the business. This was pre-Eminem and not too many white people even listened to rap. Learning About Business In addition to finding some measure of success in the entertainment side of music. I knew 13 .My Lifemoney material. I sent in my tape. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. 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. 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. Although I didn’t win the contest.7 Kiss FM in New York. It was validation that hard work could pay off. In fact. a lawsuit can result. let alone were successful at it. In 1991. you need to work in it. co-sponsored by 98. I was chosen as a semi-finalist out of 500 entrants. I also tried to learn the business side of the industry. My goal was to get noticed and possibly get someone interested in working with me.
It paid off. feel free to import ideas from wherever you can find them. For example. picked me up and got me signed to BMG for distribution. “I just want to get my foot in the door. a recording label. Basement Records. It was one of my earliest stabs at being resourceful.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. BMG. It worked. But it’s all valuable. The access I got taught me lessons I could have never learned anywhere else. The following year I released “That’s Evil Man” on ZOO Entertainment.and the men and women behind the talent the producers. volunteer for a campaign or move to DC.the talent . both the stars . mixers. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . If you want to learn a business. For example my rap name was “Sneak. Door after door was being closed to me. if you want to someday own a bar you should work at a few for a while to learn the business.” I once sent a sneaker in a box to a record label with the note. If you want to work in politics. learn it from the ground up. There are more important things than money in this world. I figured if I sent a package. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. agents and managers. and access is one of them. And always be resourceful. 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. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. You might find it’s not what you expected it to be. It’s important to understand what you are getting into before you are knee deep. my targets would be curious enough to open it rather than throwing it away.” along with my demo tape.
But the truth is making money is hit or miss and is more often just smoke and mirrors. 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. While I enjoyed working in the music industry. It didn’t stop there. which I did.” Next Plateau. actualizing my goals and watching them come to life. but in reality there are very few people that make it big – and make the big money. Eventually it went to number 27. for more reasons than just getting airplay. Money provides those things. PolyGram Records. 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. 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 released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. 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. That’s a hard truth to see from the outside. 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 finally seeing a dream come true. But like 15 . It was an exciting time.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. It is a difficult business to really make money. The music business seems glamorous. full of rich stars and power players. You see – I already understood that making money was a priority for me – an important goal. In 1994. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences.
I decided to make business decisions that would bring me closer to where I wanted to be. but it was apparent that I was a tremendous asset. I saw that real estate was more suited to my personal goals at the time. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. 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 did not find that product to be a perfect fit for me or my personality. I went so far as to get licensed to sell life insurance. Unfortunately. I decided to 16 . so I pursued this opportunity. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. I took over a job for a friend as an office manager for a life insurance company. I did not have a wife or family. I was interested in sales. The branch owner wanted to train me to sell life insurance. and could not fully understand or relate to getting life insurance for protection for other family members. And guess what? I started making more money working part-time than at my day job. For one thing. the branch focused on selling long-term care and retirement planning. I figured if I spent more time on my part-time real estate job. Also. 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. I could make even more money. How did I do that? I started selling real estate at night. In addition. After leaving college. Becoming successful. I decided to take my hustling a step further. I understood the insurance office management job completely. Not to sound conceited.Lifemoney most young people I didn’t understand what was going on.
and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly. and there was a lot more to learn. the one you’re probably most interested in. I made sure I did everything efficiently and wasted no time at all. instead of just quitting I told him I could do the work in one day that I had been doing in three. and I went from initially working five days a week to just one day per week. I guess the company trusted me enough to give it a shot. For example. 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 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.” It was a risk to leave the security of a full-time job. I also promised him that the quality of the work would not change. You never know what people are willing to do – or what you can accomplish – until you try. my gamble worked! Eventually. I began to learn about the importance of defining success for myself. He reluctantly agreed on a test basis. You never know if someone will say yes or no to a question until you ask the question. But my education was just beginning. 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. at the same pay. making my own way and even started knowing myself and where my real talents and desires 17 . When I went to my boss to resign.My Lifemoney leverage all that. This would permit me to have two more days to sell real estate. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life. Best of all.
It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money. I’d learned that when the big companies couldn’t supply a product. By my second year.Lifemoney were. I was not an overnight success story. Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. Global Business Solutions. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. 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. It was basically a mini-version of one of the larger telecom corporations. they bought it from someone else and still sold it as theirs. but the skills that were created in me were worth more than cash. dealing with people – especially difficult people. But I still had to learn about setting goals. evaluating my progress. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). resourcefulness and creativity. 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. Inc. sacrifice and patience. I was already bringing in a six-figure salary and at the end of my third year there I earned $387.07. Rather using the attributes I list for you in this book I became successful in project after project and business after business. At MCI. 18 .086. like actual cash. I became one of the top salespeople in the nation. and I didn’t hit it big with the lottery. Especially patience! It was a lot for a young person like me to absorb. I used them to create many business successes.
I saw what the needs were and I fulfilled them. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. 19 . Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. When you’re always on the lookout for something new. allowing me to sell anything the big boys sold – and better – because I was smaller. and to always be so reliable that I would always be the “go to” guy in the future. lower to the ground and closer to the customer’s ear. One of these areas was in the pre-paid calling card business. remain loyal and protect them as much as possible. If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. and seeing niches before everyone else. the customers would want you to do everything for them. Inc. Heat Wave Tanning. I eventually contracted with many providers. you or the opportunity. it’s harder to tell which came first. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. 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. Sometimes you go searching for new opportunities and other times opportunities find you. I understood that customers loved a one-stop shop.
It was exciting.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. building the place from scratch. So I kept the business for two years. Besides. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. managing ten employees. and might one day do again. I decided to open my own tanning salon. The tanning business was a big change for me. maintaining equipment. and I decided that I didn’t want that kind of responsibility. That is true. But I was discovering that retail businesses require a lot of time and attention. I told myself: it stretches us. made my money and then I sold it. Change is good. A telecom business like GBS was more “virtual” than brick and mortar. and prepares us for the future. I saw a line outside of the place and was wondering what they were giving away. 20 . It turns out that people just were going in there to catch a tan. and managing customer issues just didn’t do it for me. I could manage most of it via remote control. and Heat Wave Tanning was really a great business and a great opportunity in my life. The tanning business though was more hands-on. which was a huge plus for me. This was a different venture from my previous forays in the world of small business. Better yet the business seemed as if it could run itself. It was like having a puppy at home: you never felt comfortable being far away for very long. But I felt I was ready for that. After more research (and imagining that operating that type of business would be fun). I researched the business and found out that it was a very low maintenance business and pretty profitable. It is definitely a great business that I would highly recommend. grows us.
I am now in the process of coding and developing mymusicsite. Self Made Records. set to launch in the fourth quarter. Inc. but on my terms. But I can afford to do this because I love it. 2007. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio.com are both my hobby and business.com. Now I was a successful entrepreneur. / MyMusicSite. I will make independent artist’s music easily available to their fans. I signed some artists to my label and I am currently marketing and promoting them. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. and My Music Site. 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. I have been launching companies left and right. Later I was a college graduate looking to intern for a major hip-hop record label. Inc. And what’s best is that I can afford to be patient. in reality I’m busier than ever. although I brag about being retired.My Lifemoney Self Made Records. I am sometimes surprised by all that I have accomplished in such a short time. For Self Made Records. It was a lot of work but it has been gratifying beyond words. with little to no risk and helping others all at the same time. looking to blend business with pleasure. In 2007. Inc. I am doing what I love. no limits and 21 . 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.com Sometimes success comes full circle. And I love it! Why? Because I’m sailing my own ship with no boss. That makes me happier than I can possibly describe to you.
I just launched TellBrad. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”. The business is called Meeting ExpressO (www. I am also in development on another site called MyMusicSite. phone.mymusicsite. In addition to that business. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future.com).com (www.meetingexpresso. These services will be available to groups as well as individuals that need a place to work between meetings or just to kill some time. and business services. friends and family. In addition to being its creator.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating.com).com (www. and snack items. We will make independent artist’s music easily available to their fans. I am also providing a marketing platform for these artists who want to make their dreams come true. break dancing on street corners and hustling for business opportunities. Meeting ExpressO will provide full access to conference rooms which include internet. In addition.tellbrad. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. specialty beverages. Lastly. I will 22 . Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee. This is a free website that gives the consumer a voice and enables them to be heard (rant/rave/leave video complaints) to both other consumers and the companies they speak of.com) and is a retail conference location /coffee shop. satellite television.
I have found the common denominator for success. I’ll tell you how you can do it too! While my story is different from yours and from that of other people. Keep score of your successes and failures. Too! I began this lesson by declaring “If I can do it…” without finishing the statement. Stayed tuned and look for my name in the credits! …You Can Do It. Learn who you are and what you want. Lifemoney provides you with the tools you’ll need to reach your own unique potential. I will show you how to understand and learn a unique set of attributes you need to become successful. sell it on the corner. And go for it! No excuses. Instead of sitting around thinking about what you want.My Lifemoney also receive co executive credit and be involved with development of the project. Lifemoney Currency “When life hands you lemons… make lemonade. when they mature.)” -Brad Turk You can do it too! 23 . Work on the activities. go by some oranges! (Orange juice outsells lemonade by 10 to 1. invest your profits and. That’s why I’ve written this book. adapt the principles described in each of the upcoming lessons. Now.
has never cracked the seven figure mark and. Success is never a game of chance and begins with clearly deciding what you are going to make happen. In this lesson I want to show you the importance of deciding for yourself what success means to you. My first friend. two very different types of success stories. as far as I know. 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. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. some might consider him rich 24 . pure and simple. Still. John. is in no danger of cracking it anytime soon.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.
several sports cars and a very 25 .and shouldn’t . he just took it as a joke. he also said he was happy with his job. He did it his way. he is successful. All of my other friends make fun of him. While talking about the future. he found his own success and it works for him. He told me he was still living with his parents because he liked living with them. he helped them out a lot and felt that his support was needed around the house. He is truly happy with how his life turned out. has no ambition and is going nowhere. Steve. He has a beautiful boat. I have to confess that I kind of agreed with them. It didn’t bother him what everyone was saying about him. who is over 30 years old. You can’t . He made enough money to live on his own if he wanted to. Then one day we were talking and John really opened my mind to something. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. 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. John’s parents also enjoyed him being there. He needs nothing else to fulfill his dreams. John.Defining Success beyond compare because he knows himself and. To me. He told me that every night that he goes to bed. who on the surface would probably look extremely successful to outsiders looking in.push your idea of success on anyone. he has a big smile on his face. Most days he didn’t have to go into work early and he got to sleep late. just as important. I have another friend. lives with his parents. knows what success means to him. John told me that he was really happy with his life. From a professional perspective. They think that he is not responsible.
He is always making maneuvers to try and maintain his possessions. 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. Have you decided what your mark is? 26 . Steve thrives on the adrenaline of living on the edge. Why? Because they both hit their mark. you have completed Lifemoney Lesson # 1. He also has to work harder than anyone I know. This is success for him. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. My definition of success comes from within. not from without. Does this sound like success to you? It might. Most everything is owned by the bank and it seems every time I talk to him. Before the weekend came.Lifemoney nice house. The truth is that Steve lives way beyond his means. Being that I know this friend well. he is in a world of hurt. These men are both successes. He is always stressed and always in fear of losing something. 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. I remember one weekend he invited me to go to the track with him to “play” with his cars. Some people thrive in that kind of stressful environment. 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. Once you define what you want and know what will make you happy. just so he can try to keep up with payments so that he does not default on anything.
They go from idea to idea. But becoming – and staying – successful can be tricky. For the most part. They buy gym memberships and never use it. most successful people (whether consciously or not) have a system. get more and be more. With the exception of my friend John who I just mentioned. trend to trend. most people are still on their quest for success.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. What works for some doesn’t work for others and what works for me might not work for you. 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. No matter your net worth or social standing we want to do more. we all want more out of life. Success takes personal planning and some work. strategy or plan they stick to in order to reach their ultimate goals. Although some people get lucky in attaining success. Why do they do this? They bounce around because they’re not prepared to 27 . we are on a journey without a map. When you define success for yourself. There’s simply no future in succeeding for anyone other than you. If we don’t define success for ourselves. you’ve taken the first step to taking your life back. We have no control over our path and our lives can become haphazard. our definition of success will be individual and unique. They start up home improvement projects and don’t finish. It becomes yours. When you define success and what it really means to YOU. Like fingerprints. They subscribe to magazines they never read. fad to fad not really knowing what they want and drifting with the flow. you own it. I think this is important because I see so many people who spend their lives wandering. Success means different things to different people.
What is it you really want? What. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . 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. and those are the only things I really care about it.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now.Lifemoney take full action. “The first principle of success is desire – knowing what you want. You should live your own life and live up to your own expectations. As Robert Collier. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. for you. They live undefined lives. By starting your journey with a firm grasp of your meaning for success. See beyond money and its trappings. you will be fully able to reap all the benefits that await you. author of Riches Within Your Reach: The Law of the Higher Potential once wrote. look past that next job promotion or future company you plan to build.” Plant your own personal seed for success and watch it grow. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. Desire is the planting of your seed.” .
” It works for the second richest man in the world. With all of Buffet’s billions he has always led a simple life. a 22-year-old student who has just received her acceptance letter into the medical school of her choice. She has spent her whole life making sure her grades were in order to some day get into a good medical school. billionaire Warren Buffet. for example. He has lived in the same house that he purchased for $31.Defining Success “All I want is to have people around who love me. What would make you happy? We all define success differently. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams. He does not really have any extravagant items like a fancy race car. yacht or even a boat. She sacrificed many nights of going out with her friends and having fun in order to spend more time studying. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. 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. Let’s take. This is a man who could do anything and have anything and is content to sit home and watch a ball game. but successful people have taken the time to really think about their definition of success.500 over 48 years ago. She’s successful! 29 . He is doing what makes him happy.
Each of these people has achieved success. Months of preparation and training pay off for this guy’s single-minded determination. upon marrying. 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 . father. I call that success on their terms.Lifemoney A 39-year-old business executive runs his first marathon. While avoiding expenses like costly entertainment or expensive vacations. his self-esteem and confidence increase beyond measure. Sounds like success to me. and employee – or future CEO – because of this personal accomplishment. He’s been a total success. While his finishing time does not win any medals. Living off just the husband’s income has not been easy. Although he and his wife share a modest home. they have been able to stash enough away to enjoy an early retirement and see the world. Then there is the couple that. 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. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. along with nutritional meals and emotional support. they have not missed out on anything they’ve wanted. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. That man is a happier husband. The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need.
So let’s figure out how you define success. if you’re planning on using the family garage to mass-produce your new video game or DVD) the success of your vision ultimately depends on one person and one person only – YOU. leave the world a better place. If your parents are pushing you to become a lawyer.Jeff Mallett 31 . So once you have an understanding of what will truly make you happy. you can begin to set goals on the road to success. what they all really want is personal happiness. Even though everyone usually has a different idea of what success means to them.Defining Success WHOSE Dream Is It. As you see in this example. That’s why it is important to understand your priorities clearly. It really isn’t what you have or who you are that makes you happy or unhappy. It is how you view your situation that makes all the difference. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. That’s why. Over time. Lifemoney Currency “Do what you love. I believe the common denominator in true success is happiness. in Lifemoney Lesson #2. but you don’t really want to. it is possible to be a successful lawyer without feeling like a successful person. love what you do.” . Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. you’ll be finding out why it is so important to Know Yourself. While it’s a good idea to talk to your family and others who may be impacted (say. you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. you might become bitter or resentful.
but more importantly. I am going to ask you to open this document on a regular basis throughout this book. and edit if necessary to make them readable and clear. read over your ideas. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. Then start writing about your views on success. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. the hallmarks of success—money. skills. 32 . time. Explain.bradturk. 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. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. You can use a three-ring binder. set a timer for five minutes. open a document on your computer. so make it handy and easy to access.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.com. asking yourself questions like these. in your opinion. Once you have this in place. etc. or download a copy of the Workbook with all the exercises from my website – www.
It was totally a nightmare. in 1985 and 1986. I know many people with little or no money. Ask the following people.” These beliefs about money are all wrong. But you just did. She lives in a trailer and recounts that. Having come from a “no money” background. William “Bud” Post won $16. Everybody had their hand out. they’ll tell you: • Evelyn Adams. you might find you are still unhappy. Not Cash) Congratulations! You’ve taken a huge step. Welcome aboard a new life. If you were handed everything you wanted without working for it. It’s amazing how some people perceive money as the answer to all their problems. too. What does she have to show for it now? Zippo. I’d be so happy” or “Everything in my life could be fixed with some cash. won the New Jersey lottery twice. Says the man who.” 33 . something of a statistical freak. Her total take was $5. • In 1988.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. Completing this exercise brings up a point I think worth exploring. We all do.4 million. now lives on Social Security and food stamps: “I wish it never happened. Most people just never make the move to define what they want and where they’re going. “Everybody wanted my money.” Her hand was out. at gambling venues. Money in itself does not equal success.2 million in the Pennsylvania lottery. after declaring bankruptcy. “If I only had money.
they’re about satisfaction. Goals are not just about achievement. There is no amount of money in the world that can recreate that feeling of accomplishment.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993. not a financial figure. Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future. Here are several keys to keep in mind: 34 . she had filed for bankruptcy and had just $700 in the bank. She shared her wealth with many charitable organizations. And satisfaction is more than being content. It seems to be a rule of life that if you have good things handed to you .the fruits of someone else’s labors . I know you’re probably saying “Yeaaa. the challenge. it’s that amazing feeling you get after finishing a job well done. that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily. Understand that a lot of the enjoyment of meeting your goals is in the feeling of accomplishment and satisfaction that comes with hard work and success. and without effort are not actually participating in the creation of their own personal happiness. That’s why Lifemoney is an internal feeling.you miss the excitement. You Are in Control Success belongs to those who are clear about what it means to them. And accomplishing your dreams – your success on your own is very important. To enjoy success you need to earn it. and the ultimate triumph of accomplishing a mission. That is true success – at least by my definition. but before a decade had passed.
Now all you have to do is take another step. Don’t put your trust in success just showing up. but your dreams are out there. but they do not own your ideas or lay claim to your dreams. waiting for you to come and claim them. Most likely it will be bumpy. Others have influence over you and affect you. and another. that would be incredible. it resides in you. 35 . Stop looking outside yourself or to others to explain your failures. and that might not have been easy. 3. Chart a course for paradise. or it could take decades. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. The power to change is your own. And remember that it’s important to enjoy this journey so keep an eye on the finish line. even if the voyage looks choppy. Success is not a game of chance. but don’t forget to enjoy the sites along the way. sure. When you lay blame or make excuses. Anything worth doing is worth doing well. You are here – we are here. until the value of moving is higher than the cost of those inevitable obstacles.Defining Success 1. It may take months. it’s also worth doing despite the odds of failure and cost of success. together – because you made a conscious choice to pick up a book called Lifemoney. you willingly give your power away. You’ve already taken the first step. Publisher’s Clearing House might stop by your house with that big check and. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. But why wait for the miniscule chance that this could happen to you when you have the power to wake up your dreams and put them to work for you – RIGHT NOW! 2.
Whoever you’re trying to keep up with – the Joneses. something WILL be missing. Lifemoney Currency “Your time is limited.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 out of ego or pride or greed. All right. so don’t waste it living someone else’s life. there will always be a nagging feeling that something is missing. That’s totally normal.” -Steve Jobs 36 . trust me. on YOUR terms for YOU to be truly happy. your neighbors – forget it. If you do it for the money. your old friends from school. Let’s go there right now. you’ll always regret not doing it for yourself. success must mean something to you if you are ever to truly achieve it. Don’t feel bad at all if you’re still a little unclear about what success should mean for you. If you let others define success for you. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. It will become clearer the more you focus and keep your mind open. Lifemoney Lesson #2. Success must happen YOUR way.
_____ 8. Lifemoney Currency “If you live for someone else. and then tally your score. _____ 7. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I will look beyond money to find happiness. I will decide for myself what occupation excites me. _____ 5. _____ 2. The expectations that matter most are mine. _____ 4. I will always seek to lead my own life. I am winning life’s lottery. _____ 9. I spend time learning what it will take to be successful in what I love. _____ 3. My life is mine and I’m excited to develop it on my terms. I will define success for myself.Defining Success Millionaire’s Checklist: Check all the items below that you agree with.” -Brad Turk 37 . _____ 10. I am seeking my own personal growth and happiness. I hope they enjoy it because you probably won’t. _____ 6. I am in control.
Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. “Defining Success. It’s a journey that may veer off in a thousand different directions before finally coming to fruition. 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. 38 .” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success. In Lifemoney Lesson # 2. you will build on the first lesson of this book. In my mind. I expect to make great plays. 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.
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 two-time divorcee. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. Who are you? Who are you? That probably depends on who you ask. someone’s parent.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. a company executive. they don’t define you. 39 . Before you know where you’re going. you need to know who you are. unemployed worker. lawyer. one of baseball’s legendary home run hitters. 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. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. But life success is a self-test. son. a student. banker – merely describe you. but not without a period of introspection first. or a musical genius. because he knew he had the ability to be a GREAT batter. This is valuable advice for many of us. father. right? You might be a wife or husband. a computer whiz. a basketball pro. He took a lot of heat for his decision because he was a GOOD pitcher. But all of these titles – husband. a son or daughter. He stuck with the decision. 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. How many of us hover around the comfort zone of what we’re good at. Maybe you’re carrying around a little extra baggage as a high school dropout. not a popularity contest.
Maybe he or she is a little older. But now. looking back. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. and live happily ever after. wherever you’ve been. the goals appear too distant to reach anymore.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. knew you were capable of attaining. 40 . you got sidetracked into making a living and getting by. start here. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. instead of building the future you always wanted and. Then. day to day. Or maybe you were hoping to get married. let me help you rediscover that person again. and hopefully a little wiser. and maybe not even worth the effort after all. have kids. 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 ready to gear up for the adventure that lies ahead. whatever you’ve done. you can still find the path to your personal success if you’re willing to look for it. when you take a moment to catch your breath and see where you are. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. you find that those dreams never materialized. Whoever you are. Instead. Life has a way of sidetracking us from our goals to deal with day to day living. more importantly. If you are just starting off on your voyage to success and don’t know where to begin.
This nice. restructured his organization. In his case. the time I spend with family and friends. What is success if you don’t know who you are inside.” -Brendan Fraser 41 . His patients and his workers loved him and he was loaded. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. how can you ever hope to achieve. 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. It is not. but he was slowly driving himself insane. and over the next year phased out four of his five clinics. Twelve months later he was happier than ever. or someone else was going to wind up dead!) He drove straight to his accountant’s office. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. they’re shifting. or maybe just busy work. (Either that. less really was more. He was a very successful physician with five private sports clinics. Why? Because he was finally keeping up with himself. If you don’t know what will make you happy. Lifemoney Currency “I’m starting to judge success by the time I have for myself. My priorities aren’t amending. not the Joneses. 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. successful. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself.
In looking back on your past. • • • • • “I earned a college degree. list your personality or character strengths. or personal achievements.” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. define a recent accomplishment by personal attributes: 1. Make a list of your top four or five achievements. Under each. recognition. reflect on the things that worked in your favor. and/or specific steps you took while completing these accomplishments.” 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 . For example. “I made a wise career move by getting a better job. now you can see how you managed to win that particular prize. these might include honors.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. certificates. Even if you didn’t consciously use these qualities back then.
You may even recognize the type of goals that attract you. Look for patterns forming.” and “selective” came up in one form or another with each of the three achievements. 43 .Knowing Yourself 3. 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. 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.” “thorough. You’ll begin to see how that person might emerge in the next stage of life. like academic work. some may be more physically oriented.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. you will get a better idea of who you really are down deep. As you think about the things you’ve done that you have enjoyed and made you feel good. while others could relate more to mental functions. and so on. 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. Some people excel at social endeavors like arranging parties or special events. like sports competitions.
passion and effort. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages. That means laying the mental framework now for the physical action you will be taking later. you are on your way to getting there. If you do. enthusiasm. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot.Lifemoney The world is full of born-again success stories. I would like you to make a list of the qualities others have noticed in you. Aiming your thinking correctly requires more Workbook exercises at the start. Your list could look something like this: 44 . You could be someone who inspires others when they go through hard times.” 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. So take this time to remember or remind yourself of what you want out of life. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. not in a religious way. Maybe your mom has always said you are hard working. which shows up in words like “endurance” and “commitment” and “perseverance. And maybe your list reveals a part of you that loves physical activities and accomplishments. but in the renewal of spirit. Or you may be the employee that handles confidential matters at your company because the boss trusts you most. You’ve just done an assessment of the qualities you see in yourself and that you find positive. Write down the characteristics that you’ve often heard people mention to or about you. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors.
you will be able to confirm the qualities you see in yourself with those others have witnessed in you. This makes it that much easier to achieve your goals. Now you have an even better idea of how to play to your strengths as you set up goals for the future. It’s business. It’s our job.” -Derek Jeter 45 . but I don’t think you can do well unless you’re having fun. Regardless of how you look at it. Since most of us do a better job with activities we enjoy.Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. Things that are fun for us are those that match with the ability to use these character traits. we’re playing a game. Lifemoney Currency “You gotta have fun. you’ll probably find that you are drawn to things you think are fun. You need to keep this in mind as you plan your goals and how you will reach them.
you can get into some real trouble. It’s part of being human. You put things off. right? I do. But if you don’t admit to those limitations. As soon as you say. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths.Lifemoney What Are Your Limitations? Let’s be honest. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good. “I don’t have any major flaws. Everyone has weaknesses. Maybe you have a lazy streak (sometimes I do). But all the while. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . working around it or improving it. Everyone has flaws! But successful people understand the value of admitting to a weakness.” you’re finished. I didn’t know what I was supposed to do. and then do a half-hearted job when you get around to them. I have a saying: denial does not change reality. The machinery isn’t working right. and moving on. I got the materials (or information) late. As long as you keep fooling yourself. You do. My mom’s cat died and I had to bury it. you will never be able to deal with the issues that are holding you back from success.
what good is all that positive self-talk? 47 . write a brief description of an incident where this particular quality had a negative impact: • • • Overbearing—offended a good friend of mine Sloppy—embarrassed my girlfriend at her company picnic Late—arrived late for an interview and didn’t get the job As you begin to link certain behaviors to unwanted outcomes. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. Now write down a few of your weak areas. For instance. 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. like shyness or arrogance. These could include personality drawbacks. 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. You also can add things about your character that could benefit from improvement. Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait. But if you’re late to the interview.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. or not taking shortcuts on a project.
Derek Jeter. They did what it took to climb the mountain of their success. 48 . There are so many things you can do. get rid of it. they blame themselves 4. is useless if you don’t act upon it. Knowledge. for their triumphs. But remember that people like Donald Trump. the minute you start passing the buck. Take stock of their weaknesses and work hard to improve them 2. they blame themselves 5. especially self knowledge. Don’t blame the weather for being late. Eat breakfast on the way and tie your tie in the parking lot. for their actions. and Russell Simmons didn’t earn their millions by making excuses. Don’t blame the economy for low profits. for their strengths 3. You may want to start working on these weaknesses one at a time until you start seeing better results. Of course. the bucks start passing you by Get Rid of It! If procrastination and chronic lateness are a symptom that both you and others recognize in yourself. And action means work. it’s easy to throw in yet another excuse about finding the time to make these changes. don’t write it off as a cute character flaw. for their inactions. Always assume personal accountability. for their weaknesses. they blame themselves In other words. that’s just me being me.” Instead. they: 1. for their failures. Bill Gates. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. Don’t blame the product for being inferior. and their efforts paid off. so take action.Lifemoney Successful people don’t write off damaging personal traits as “oh well.
you can find a path—or blaze a trail—that will lead to your personal happiness. Google created an early version of Google toolbar with all kinds of great features.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. But within weeks they discovered that their great inventions were totally useless. They decided to view “failures” as information sources for building new things. Maybe you’ve already tried success “your way. Whatever your interests and skills. Another example was a short lived photo search engine called Riya. So rather than dubbing the whole project a failure. On the other hand. What matters is that you freely explore any path you wish until you find the one you are destined to travel. Many people have failed at that. then do the work it takes to eliminate weaknesses and build on your strengths. If you’re good with numbers. Then be fearless about taking it. they viewed the results as useful information. 49 . Though it was a full blown failure. then choose something that includes some type of numbers work like accounting or investments. one of the most successful photo search engines on the web. 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.” but it didn’t work. Maybe you’ll take a route that no one in your family or neighborhood has tried before. They treat everything they try as an experiment. Using mistakes as useful information is the way many large companies are innovating. For example. Or then again you might end up on the exact same path your grandfather took a century ago. if you like words and books choose a different road to your success such as writing or communications. Or it didn’t last.com. the lessons learned provided the originators with priceless information which allowed them to create Like.
and they don’t let lack of money or support stop them. As Walt himself recalls.. Morgan was to finance. and a worldwide store chain. “It all started with a mouse. 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. Theme parks with the Disney name are located in the U. France.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. Twenty-six times. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. And that is why I succeed. Disney was to fantasy what J. Consider one the top 50 business influencers of the 20th century. a film studio. I’ve failed over and over and over again in my life. It’s easy 50 . Walter Elias Disney.” Just think of that for a second. Starting with a little mouse. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories. and Japan.S.” -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.P. a publishing house. Many successes start right where you are: not knowing themselves very well and beyond broke. Disney founded a $20-billion media conglomerate that includes a TV network. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. an Internet operation. I’ve lost almost 300 games.
This is done for two reasons. failure and distraction along the way. it will help you understand if you are looking for success in the wrong places by objectively 51 .Knowing Yourself to imagine success when it’s already been done before. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish. finding a life partner. Through rejection and derision. but what if it’s never been done before? That’s the dilemma Walt faced. Remind yourself of the unique skills you bring to the process. list the qualities that you think you would need to achieve them. as well as any new talents you may choose to develop along the way. But more importantly. such as getting in great physical shape. Two. never let the world tell you that you can’t do something just because it’s never been done before. or building financial security. Walt Disney held firm to what he knew. One. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. Under each thought you write. who are you? What is your driving passion? What is the secret obsession that defines you? Whether it is a mouse or music style or menu item or men’s fashion. never tell yourself that you can’t do something because it’s never been done before. Stay centered on who you are and the goals you want to achieve. landing your dream job. The reason for this exercise is to begin the process matching your abilities to some of the things you want. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about. Goal Achievement Exercise E Take out your Workbook. He stuck to his singular vision of himself and is now revered as nothing short of a genius. Now. So let me ask you again.
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. it might not be what you expected. because he knew he couldn’t be happy doing anything else.Lifemoney highlighting what’s required for success. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. As an example. if you want to make a million dollars. knowing yourself and being true to yourself makes you successful.Find More As you learned in Lifemoney Lesson #1. Know yourself and double check your motivations for success. adoring women. Make Less . who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. and comparing those qualities with what you deeply desire to develop within yourself. Why? Turns out he had Lifemoney Lesson # 2. the Hollywood Dream – and he left it all behind to risk his life and fight fires. What remains important is that you feel successful at every step of 52 . making a million dollars doesn’t necessarily mean you will be happy. screaming fans. Understand that fortune and fame doesn’t equate to success. Here was a guy who seemingly had it all – loads of money. you must understand why you feel a million dollars will equate to happiness. down cold. Knowing Yourself. For example. because when you get it. be careful what you wish for. In other words.
So many of us set conditions for our happiness. While waiting for the fish to bite. progress at any price should be more than most of us are willing to pay. Although success is a worthwhile goal. and that to skip the rest stops. obstacles and roadside attractions along the way is taking away from true success. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii. and that most of his day was spent with his wife and children. detours. not a destination. the executive was impressed with Fisherman Joe’s skill and 53 . and enjoy.. like “I’ll be happy when I make my first million. the two men took the boat out on the seas. See how that works? If you say “I’ll be happy when…. The businessman had no problem going out for just a few hours while his own wife visited the spa. Fisherman Joe told the executive that it would be a pleasure. Ask yourself this: What happens until then? Truly successful people make peace with. They recognize that success is a journey.Knowing Yourself the process.” you’re in the conditional happiness trap. or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership. 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. today. The next day. but that he only went out to fish a few hours each day. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water. While there. he asked the locals if there was a fishing boat that went out daily. where they are right now.
Just a couple of hours a day supplies all my needs. “I sell most of ‘em. Although Joe was reluctant to leave his comfortable home and family while working in L. Joe decided he could not take this life anymore. Joe agreed. Soon business was booming. Joe knew that being in L. they finally went public. Finally. “How would you like to go into business with me. “How do you get so many in so short a time?” the businessman asked.Lifemoney ability to find the best spots to reel in a terrific catch for the day. asking if he could cash out his shares and return to Hawaii. Joe shrugged. and did not really enjoy what he was doing. After five grueling years. He spoke to his partner. But Joe was now worn out. for the man seemed unusually humble. who had reached his goals. After a slight hesitation. The prosperous businessman. truly amazed. “and take home what’s leftover for dinner. The two men moved the business headquarters to Los Angeles.” The shrewd executive knew a good thing when he saw it.” “What do you do with them all?” the business man asked. as though he was unaware of the value of his skills. had no problem and 54 . Fisherman Joe went from working full-time on his boat to getting three boats. would aid his partner’s goal of taking their company public. Working day and night was more than he had expected. “After so many years.” Joe replied. 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.A. I know their habits. and remove himself from the enjoyable part of his business—fishing—he did it anyway. and then working a fleet. The business life was not satisfying.A.
Both of them found success in completely opposite directions! 55 . Before Joe left. the entire experience had been a detour from Joe’s own sense of success. so I can fish a few hours a day. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success.” The moral of the story isn’t that we should not try hard or set high goals. but he ventured away from it for more money. He already knew what success looked like to him. It’s that you should know what you want out of life. In the end. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. his journey brought him right back to square one. The interviewer was amazed by Joe’s journey and the story behind his success.A.Knowing Yourself wished Fisherman Joe well. Two very different men viewed the exact same experience in two very different ways.” Joe replied thoughtfully. “From fishing a few hours a day to a multi millionaire.” the interviewer commented. that’s quite a journey. This journey was quite productive. it is. “Yes. what are you going to do?” Joe replied that. a popular magazine interviewed him.. But Joe found it a waste of five good years of his life. and then I am going to spend the rest of my time with my family. He started by taking a small fishing boat out for a few hours a day before returning to spend the rest of his time with his family. and many might have found it fulfilling. and he ended up doing exactly the same thing. “I’ll get a small fishing boat.
and if you work in a field that doesn’t match your natural abilities. Aptitude tests can provide some insight into your talents and abilities. you may find your work unrewarding. unchallenging and even difficult. If you don’t know where your talents lie or still don’t know what you feel you would be good at. Lifemoney Currency Understand that fortune and fame don’t equate to success. -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. just understand the obstacles that you are going to face. But he is the exception to the rule. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. Certain occupations will be a better fit for you than others. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. These assessments are available all over the internet or by looking in the Yellow Pages. Do you have that drive? If so. Is that a realistic goal for you? It was for Spud Webb. who not only played professionally. A local community college may also offer these assessments free of charge. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. go for it. No one knows better than you where you feel confident versus where you feel unsure of yourself. Assessment testing can also help find your natural strengths. Sometimes it will take that much more work. They can measure your characteristics and ability to acquire additional skills.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. time. take an aptitude test.
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
It is the first step of turning the thought of doing something into the reality of achieving something. Now let me tell you about another hip-hop artist you’ll probably never hear about. 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).Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. Nobody. Mr. Every successful person I know has clear goals they’re reaching for. His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. For this exercise. Kanye West vs. And they don’t allow $2 tokens . when accomplished.or the opinions of others . Once they decide on that goal. make a list of your top 3 goals that. For instance: • Goal: Starting up a home-based travel agency 61 . For two full days this artist could not come up with the resources for even a $2 token to get there. That’s because he had more daydreams than plans.to side track their journey. would make you a happier person. 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. Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal. Goal Achievement Exercise F Take out your Workbook. It’s time to write some goals right now. obstacles became simply inconveniences to be overcome.
listen to the radio. Those people are not smarter. They happen every day. Relax. or better than you. Dreams are real and they do come true if you follow this path.even thousands of people who have applied action and planning to make their dreams real. they simply learned these lessons a little sooner and applied them a little earlier. The problem with dreams is that we’ve dreamt them for so long. Just watch television. get started! 62 .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. it’s often hard to see them as real. stronger. Now is your time. or read a book and you’ll see hundreds . that’s natural.
An action plan is just a series of steps you plan out ahead of time to take systematic action. Schedule exam • Build out basement to accommodate office i. Order a separate phone line from the telephone company iv. Goal Achievement Exercise G Take out your Workbook. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. 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. Let’s set up an action plan for your goals right now. Understand the testing process (where given. etc. Prepare for exam iv. timeframes. We all know that goals just don’t happen.) iii. Find out construction costs for renovation ii. break the list down into three or four action steps you would need to take in order to reach that objective. What bridges that gap? Action steps. Start looking into office furniture and equipment iii. Research classes that offer test preparation for agent exam ii. Below each. Clear space for new furniture 63 .Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps.
When you sit down to make your plan and you see that both of your children will enter college within the next ten years and your spouse is going to need significant surgery in the next year you may 64 . but they also add urgency to their goals by making themselves accountable to deadlines. Sure. Figure out a budget of what the business will cost ii. Let’s say you want to own your house debt free within ten years. Successful people know that there are few assets as valuable as time. deadlines slip sometimes and you have to readjust your schedule. objectives and action steps. 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. but without a schedule to start with you’ll never know if you’re slipping.Lifemoney • Raise and save enough money for expenses and salary cushion i. Now you’ve written goals and some action steps that lead to the goals. Figure out what amounts of money will be needed to live off of while building the business iii. Start putting away money weekly toward travel agency iv. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals.
but for the most part. jot down a date for reaching them. and then they set times and dates when things will be completed. many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. Beside each of the objectives and action steps. but it’s also easy not to take. Successful people set goals and objectives. you should set reasonable deadlines and do everything you can to meet them. give yourself a year. not written in stone. Unfortunately. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. Goal Achievement Exercise H Take out your Workbook. This is an easy step to take. many people leave this step out and things just never get done. but the timeline isn’t given the circumstances.Overcoming Obstacles realize that this goal does not have a reasonable timeline. With a large goal like opening a new business. be VERY realistic about your timeline. As a result. objectives. Schedule changes or circumstances may require adjusting a date now and then. and action steps. Go back to the list of goals. You’ll need to adjust. give yourself six months. The goal is still reasonable. they identify action steps. 65 . rushing into it is more dangerous than not starting it at all. For instance if you want to start your own bakery. If you need a year. and that gets your heart rate back within normal ranges and allows you to actually sleep at night. Timelines do not mean deadlines. Let’s actually do it now. they are guides. objectives and action steps. You must schedule your goals.
I learned early on a major flaw that he had that amazed me. After he said he was going to take care of one of the items that I did not want to do. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it.Lifemoney If you keep on falling behind and have to reset your dates. “I’m waiting for you to write that last item down. I stopped and paused. most talented and gifted people I know. He probably had the one of the worst memories I have ever seen. I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. Written words are also great for organization and focus.” 66 . I actually had a business partner who is one of the smartest. you might have to adjust your action steps or your due-dates to make them more reasonable. Write It Down Words are priceless. Like most successful people. Never underestimate the influence of actually seeing your goals written out and in front of you every day. 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). The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline. His solution was to write everything down. I told him. he knew how to compensate for his flaw and it practically never affected his work or his success. About 30 seconds of silence went by and he asked me why I became quiet.
committed. “To do” list which you will reference daily. realistic. but you will make progress and. and visualized steps. and anxiety producing things out of the way when you have more time. Keep it in the notebook you have been using or in a calendar program that you can keep handy. Do the important. Every day you should be aware of all your goals and the steps needed to attain them. 67 . For goal setting you will need to prioritize tasks. moving you closer to achieving your goal. measurable.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. you may need to break down the week by hours to make sure you are managing your time properly at first. You may not get everything you had planned done in a given day. over time. even if unpleasant. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. Depending on how organized you are. set deadlines. reserve a block of time to do what needs to get done. you may be able to do more things in a day. Here are a few tips for using your daily “To Do” list: 1. You should get the boring. and plan specific. tasks first.” -Les Brown Goal Achievement Exercise I Make a daily written. annoying. Set aside some time each morning to review your list and begin working on the listed tasks.
but it is not really a priority that I want highlighted on my daily to do list. I do this. even I know it is kind of strange – but it works for me. We need to take luck out of the equation. Carry a pocket-sized list with you at all times. So if you need post its. Computer programs and electronic organizers can save you a lot of time over manual lists. but it is visible and reminds me daily to get out and play. Learn how to use technology. I will do things like leaving a basketball by my front door. Although I suggest technology. It is not in the way. For example. It’s just something I want to get around to doing more often. do what works for you. use them! Lifemoney Currency It’s true – if you fail to plan. but it works.Lifemoney 2. you plan to fail. With computer programs and organizers you can adjust lists quickly and neatly. I don’t recommend this method. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. 3. 4. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up. Obviously. and I am happy with it. I want to start playing more basketball. I have a main list at home and a daily list that I take with me. -Brad Turk 68 . I know I could come up with a more efficient method. your PDA or phone alarm as a reminder.
Most of their larger customers simply wouldn’t take a chance with a smaller. now is the time to knock them down forever. The MCI philosophy was “we’re selling on value. But MCI was not concerned with this. not price. Whatever obstacles have been preventing you from starting your journey.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. My problem was that I was the one handling those smaller customers. because it mostly affected the smaller customers. Successful people use their Lifemoney skills to look at obstacles as opportunities. Adversity and obstacles will come up along the way whenever you start setting goals. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. it is extremely difficult to sell value at two times the cost for the same product. These companies were offering rates that were about half the price of what we sold. with fewer expenses. I found that MCI was one of the highest-priced long distance service providers on the market at that time. newer provider. taking market share away from MCI and AT&T. They step up and success is their reward.” Unfortunately. Mental and physical preparation is essential to finishing any journey. There were a lot of smaller companies. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. 69 . not stumbling blocks in their path. and you must be mentally prepared to deal with them. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face.
This was the beginning of a booming market. With firm goals and objectives in mind from Exercise F. 95 left or got fired. Be honest and write every obstacle and fear you can think of. list possible or proven obstacles or fears that may be keeping you from reaching your goal. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . I was fortunate enough to look where others were not and I weathered the storm by linking to a product that was starting to turn hot: prepaid phone cards. That meant that for every 100 reps starting at MCI. Then come up with the solution/objective and an action plan. Describe one of your main goals in a sentence or two. Luckily. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. Below that. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. The turnover rate for my position that year was 95%. let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. I started looking for other products to sell even though long distance was supposed to be our main focus. Lifemoney Currency “If you don’t like what’s on TV. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook.Lifemoney I quickly scrambled to find a solution.
so that you will 71 . etc. find an online interest group. Objective: Find out about buying a used plane Action plan: Find out about bank loans. So how do they do it? They are not superhuman. they add action to their goals and steps and turn dreams into reality. These obstacles come in all sizes. Objective: Take Flying Lessons Action Plan: Research Classes. and colors for different people. etc. • I don’t have a plane. Objective: Research planes and prices Action Plan: Go online and research planes. clear. save money for classes. etc. People just like you and I. • I can’t afford a plane. So is flying an airplane impossible? Of course not! People fly planes every day. Each part of this process should be specific. and manageable. but they are action heroes. shapes. focused.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. 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. start a savings account with regular deposits. It’s like your teachers used to say in school: “You’re only cheating yourself”. 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. so you will need to spend some time figuring out the possible or probable barriers to your goals.
It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. Lifemoney Currency “They say if everything’s going your way. allowing failure to be an option. As with this goal of flying. you’re probably going the wrong way. All of these steps we have completed so far help you get focused. we learn from our success and failures to meet the next obstacle with even greater results. Let’s examine each of these and ways you can beat them every time. you’re probably going the wrong way. When we face challenges and overcome them. procrastination. That’s because life is supposed to be a challenge. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. the goal suddenly seems reachable. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1.” -Brad Turk Three Huge Obstacles In my life as a successful businessman. They say if everything’s going your way. or even when we face them with not-so-successful results. your real goal at first may seem almost impossible to reach. stay clear. 2. and 3. and manage your way to achieving your goals. making excuses. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles.Lifemoney end up where you want to be. Number 1: Procrastination 72 .
” “I don’t know where to start. procrastination is one of the worst enemies of success.” “I don’t have the help I need. To me.” “My wife’s nagging won’t let me think. 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. and some of us are experts at it. All the time that is wasted procrastinating is not putting us closer to reaching our goals. It’s easy to put off making a plan for starting the journey to your goals.” “It costs too much. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4). We say things like: “I’m too busy. 73 .” The list goes on and on. By procrastinating I mean putting off or delaying an action or task to a later time or date.” “My husband says it won’t work.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination.” “I can’t find a minute to myself.” “I’m over-committed already.” “I’m too tired. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments.” “The kids need me right now. or avoid taking action steps once the plan is made.
Example: If you’re not feeling well and you are supposed to do cardio and weight training. Just do it! Example: When it’s time to go to the gym. go. You tell T 74 . places (the mall). Just get up and go. Instead of doing the dreaded cardio.” -Robert Frost h i nk about that quote. • Avoid people or things that will take you away from what needs to be done. Maybe a part that interests you most. do “a part” of the task. be they people (your lazy cousin Eddie). Maybe after that is done and your body is in motion. or things (Xbox/housework/chores). Don’t think to reschedule it for a better time. Even pick one of your favorite exercises to start. • Do a part of the task. Example: You are on the way to the gym and your buddy calls you to go out somewhere. some willing to work. the rest willing to let them. Or don’t think about not feeling that well at the moment.Lifemoney Lifemoney Currency “The world is full of willing people. You’ll feel better after you do. We all know time-suckers. you might be feeling up to doing the cardio. 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. Don’t think about the whole thing. just go and focus on doing the weight training.
While this may be extreme. fold it up in their wallet. For instance. If failure is always an option then success may never be within reach for you. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. visualize the result you’re after. Many successful people consciously visualize a result before beginning a task. colleague or friend. • Write down why you’re avoiding the task. think of how you are going to look at the beach. not the task. which explains why a significant number will fail or relapse when the going gets tough. You can hire a trainer. Yet most of us grab onto great ideas for self-improvement without much thought. • Find a partner.Overcoming Obstacles him you can’t but he is persistent. 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. Example: If you need outside motivation. find a workout partner. I’ve seen people literally write down “make a million dollars this year” on an index card. get a friend involved or find someone at the gym who keeps the same workout schedule. not the steps it takes to get there. and spend every waking minute realizing their goal. You need to be firm and stick to your plans and continue on to go to the gym. Example: If you don’t feel motivated to go to the gym and you dread having to go. Sometimes we just need a little outside perspective from a family member. he’ll be waiting for you when you’re done. don’t think of the exercises that you need to do. If he’s a real friend. All successful people meet their obstacles 75 . • Focus on the results.
he found a movie studio willing to buy both his script and his portrayal of the main character. 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 . Sylvester Stallone went through huge trials and tribulations as a writer. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. How far are you willing to go for success? If you concede failure before you even begin. 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. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. He persevered until. but lost out on several of them because he believed he was the only actor who could pull off the lead role to his demanding specifications. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. Stallone refused to fail. star and creator to see his project come to life. at last. Much like the boxer in his now famous movie. you may never know.
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. my sister enrolled in medical school. But it is never too late to achieve your desires. Life circumstances and 77 . At the age of forty. Being a doctor has been her desire since she was a child. This becomes a lifestyle challenge that you must address. Emotionally speaking you may be thinking it’s too late for you to change. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights. if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. You might feel too old to reach your goals or that it is too late to realize your dreams. you may be tempted to light up with your buddies at the bowling alley. For example.
This is just not acceptable. like earning more money by asking for a promotion. the thing you were suppose to do did not get done. Excuses are probably one of the biggest obstacles that keep you from achieving your goals. -Brad Turk 78 . maybe even a small one. Start with one goal at a time. and approaching your supervisor at just the right time to maximize your chances for success. they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do. Number 3: Making Excuses Excuses are very powerful. working overtime to prove your usefulness. Lifemoney Currency If failure is always an option for you then success may never be. The bottom line is. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. Your action steps might include dressing the part of the higher position. Your elaborate reasons will not impress anyone. Rather than making excuses. But guess what? Excuses are worthless! There is never a need to make an excuse. be definite and defined about the action you will take and when you will take it.Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. when you make an excuse for not doing something.
_____ 2. We need to do everything in our power to make them happen. I have a good idea of my action steps to reach each goal. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. Whatever you do. timelines and an idea of some of the obstacles you’ll face. The plan should list the goal. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. remember that when this process is complete you are ready to step on the gas and head on toward your destiny. action steps. objectives. 79 . Being prepared to face them is a huge factor in overcoming them when you meet them. Lifemoney Currency: Good things don’t just happen by themselves. We need to do everything in our power to make them happen. I am ready to create goals. and then tally your score. That means creating a written plan for reaching a specific goal. Let me repeat: NEVER FORGET to anticipate that obstacles will come up.
______5.” -Brad Turk 80 . _____ 6. _____ 9. _____ 10. I am looking to see how technology can make my life easier. I am ready to adopt the mindset of someone who will be successful. No excuses: I will not let myself off the hook. Just not where you want to go. I plan to tackle the more difficult things on my “To do” list first. I have created a timeline for my action steps that appears to be reasonable. Lifemoney Currency “Excuses will get you everywhere. I have plans to fully and completely address all roadblocks to my success. _____ 8. I have thought about some of the obstacles I may face.Lifemoney ___ 3. _____ 7. _____ 4. I am ready to stay committed to my written plan and see it through with daily reminders.
inventing the wheel. priorities and commitment. and laying the foundation for all mankind.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned. time management. good point. The five tools are focus.” 81 . well done. Yeah. awesome." Overview Success requires the right tools. 'Good job.' it would have made me actually look and feel ridiculous. “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. My favorite is the one where a television anchorman says to the caveman. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen. discovering fire. efficiency. you’re right. like walking upright. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. Learn to use these five with skill and you’ll achieve whatever you can dream.
Now that you’ve made up your mind to go after your dreams.” -Tom Clancy 82 . There was a time when people had to be told how to use a telephone. you need to select and develop the tools that will help you achieve your goals. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make. Whatever the task requires . successful people use many of the same mental tools – and use them well. 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. nearly everything in our world is a tool.our tools surround us. We create mental tools to help us achieve greatness as well. Though different tools may suit different people best. People use tools to improve their lives. If you stop to think about it. Technology is just a tool. Here are some of the strategic tools that will help you succeed in achieving whatever you dream: • Tool # 1: Focus • Tool # 2: Time Management • Tool # 3: Efficiency • Tool # 4: Priorities • Tool # 5: Commitment Lifemoney Currency “There was a time when nails were high-tech.stoves.Lifemoney We’ve been innovating and making tools since we lived in caves. cars or computers .
Tools for Success
Tool #1: Focus
Bruce Lee, the martial arts expert and movie star, once said, “The successful warrior is the average man, with laser-like focus.” Focus is something we don’t usually hear about but trust me: it is on the minds of every single successful person. Focus is exactly what the name implies; a narrowing of the lens until we get bullseye aim on our ultimate desire. We live in a world full of distractions. There are more TV channels than we can ever hope to watch, an entire industry devoted to creating computer/video games, four new movies to choose from each week, nearly 200,000 new books that get published each year and nearly that many new CDs. When you add in blogs to read, email to keep up with, instant messaging, cell phone calls, and all of the other daily distractions we deal with, it’s a miracle we get anything done at all! It is extremely important to stay focused on your goals. Don’t be distracted by external things. Distractions and challenges will come daily, if not hourly. These could involve the things mentioned above, people in your life, your job, your hobbies, or just about anything else that comes your way. Look past your obstacles and stay focused on where you’re going. This is how you handle obstacles effectively and keep yourself zeroed in on success. Notice I didn’t say you don’t have to deal with the obstacles – you just simply have to return your focus to your goal as soon as you deal with the obstacle. As you begin to recognize some of the common factors that have been sidetracking you and possibly bankrupting your motivation to accomplish goals, you will develop a clearer mindset on how to avoid distractions in the future so you can steadily pursue your personal vision of success.
“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
Extra snippets of time come in the most unlikely places. interesting. Trump: Think Like a Billionaire. months and even years. Take it a step further and think of how much time we waste every single day. only sleeps 4 or 5 hours a night. after 50 years you would have spent more than a year of your life “wasting time. Rachel Ray. or browsing the classifieds or eBay for things you don’t need.” Can you imagine being 74 years old and wishing you had another year to spend with family or making a contribution to society? Use your time wisely by preparing a balanced schedule that allows you to spend time doing all the things that mean something to you. The next time you’re tempted to spend time where it won’t count for much. ignore the invitation and do something constructive. Second. While this may be extreme for you. First. finish whatever you start. insists that she. To manage your time better I would suggest four things. be very clear about what you’re trying to accomplish each day. talking over the fence to your neighbor. or reaching that goal you think you just don’t have time to reach. busy with multiple high-profile projects including a daytime talk show and cookbook empire. let alone two or three. driving to the store. If you’re unclear about your objective you’ll be unclear about the time you’re spending. or useful for others or yourself.Tools for Success manage time well and you become a master of extra hours. enjoying your family. In his latest book. 87 . If you wasted just 30 minutes a day on surfing channels. Donald Trump suggests sleeping only 4 or 5 hours a night. contributing to the community. Just pride yourself on finishing projects and never allowing them to linger unfinished. like building a career. weeks. minutes. days. think of the extra hours you could find just by adjusting to one less hour of sleep per night. too. Third.
Carrie. The Green Mile and Hearts in Atlantis. The good news is you're the pilot. While many consider him the “King of Horror. King has long said he writes at least four hours a day. energy. Fourth. don’t give into time wasters. the author of some of the world’s most popular novels. King has consistently published three or four novels per year. every single day of the year. Someone who knows a little something about being efficient is Stephen King. The Shining.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. Salem’s Lot. Remember that your time is your time. except for three: his birthday. or any other resource you have available. So even though he is not working 10 hours a day on his books. he is efficient with his time and committed to writing practically everyday.” the author is also the mind behind movies like Stand by Me.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. all of them bestsellers and featuring such instantly recognizable titles as Cujo. Since publishing his first novel. How does one author manage such a staggering number of pages? The answer is efficiency. It’s a good lesson for all of us: you might surprise yourself 88 . back in 1974. Lifemoney Currency “The bad news is time flies.” . the Fourth of July and Christmas. and Misery. You are the only one who can guard your time – no one else will do that for you. money.
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.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. In other words. Ask yourself. Not pushing paper or daydreaming. Let’s do an efficiency exercise. you may need to reconsider that decision. but efficient work. some activities are more efficient in getting you 89 . Goal Achievement Exercise L Take out your Workbook. From now on. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. 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. when you get the chance to make decisions. My guess is that you will get more done in four focused hours than eight unfocused ones. weigh each one with a view to your goals. You also should get in the habit of counting the “efficiency cost” of each decision you make. Everything in life has a price tag. from time spent with friends to starting a home-based business.
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 . 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. consider making changes like these to enjoy life now while working toward a better one for the future: 1. For that reason. but efficiency of performance is what wins the game for the team. or even minor.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. In order to focus and spend your time more efficiently.Lifemoney toward your goals than others. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. I want you to realize a few things about time and think about ways you can use your time more efficiently. decisions: • • • • How much will this cost in terms of money. Using time efficiently is a huge obstacle for many people who are would be success stories. get in the habit of asking questions like these before making major. especially future goals. Ride your bike to work to relax and get some exercise. To better manage your time and utilize your time more efficiently. time.
television can be a valuable tool. or both. 4. neither of which fosters success. Things do not always go like clockwork. Many programs offer everything from stock tips to weight loss programs to informational documentaries. Set aside “unwind time” after work or school. Get a Spam filter for your e-mail. 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. with planning and forethought. Eliminate the hassle by making something you have to do anyway. 91 . cars break down and bosses demand overtime when you least expect it. kids get sick. 5. Don’t overfill your “To Do” list. or poorly. When we schedule a block of time. Setting aside one hour at the end of every week to analyze how well.Tools for Success to accomplish in the first place. which can be as little as fifteen to thirty minutes. 2. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. we tend to perform those tasks more efficiently. When viewed wisely. and make any needed adjustment. Watch less TV and do something more productive. Monitor how you’re spending your time. When our “To Do” lists are too full. 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. like getting to work or going to the store. most don’t. you managed your time that week can save you hours the following week by learning from your mistakes. minds. they often remain unfulfilled. spouses need our help. 6. we can’t perform task after task without stretching our bodies. between important tasks. We are not computers. exercise.
Appreciate unexpected delays. 92 . Think of the day you were sick in bed. or a car to drive. If you’re stuck in traffic. don’t worry about the rest. wishing you could be outside. you would not have a roof over your head. creative people. even when it’s spent waiting for things. When we learn to use our time – all of our time – wisely. food to eat. Without those paychecks. Mason Cooley once said. Only focus on things you can control. in restaurants. lobby lines. and get going to a job so you can take home a paycheck every few weeks. I usually use car time to catch up on calls that I need to make. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. we gain not just precious moments but momentum. Always carry something to capture your ideas. etc. complaining is not action. there would be so much less to worry about. You get up. get dressed. 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. Use waiting periods wisely.” 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. especially when it’s spent in waiting rooms. Take a break to relax and listen to music. 10.” Never waste an opportunity to learn. 8. Entrepreneurs. Tool #4: Priorities What are the priorities in your life? For many. open the window and enjoy the air. waiting for appointments. 9. Bring a book to all your “doctors visits. “Worry is not thought. the day begins with the priority of going to work and chasing a paycheck.Lifemoney 7.
Choose a priority and be a finisher. don’t spend three hours cleaning your desk so you can get started. Second. The need for a clean desk before you can begin is less a necessity and more of an obstacle. You can easily become distracted doing this and usually nothing gets done right. Then commit to giving your best to your life and to your goals daily. You come home to people that mean a lot to you. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. In other words. 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.Tools for Success Another priority for many people is their relationship with family members and friends. If your goal is to write a letter to someone. The third suggestion for prioritizing. Focus on one step at a time. 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. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. 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. Don’t multi-task and try to accomplish too many things at once. Do whatever you’re doing all the way. 93 . and take time to spend with the ones you love.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. Finish what you start when you start something. something or someone important is going to get short changed. Don’t do busy work.
don’t be afraid to say “no. 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. it was worth it to me.” Delegate worthwhile projects that can be handled by someone else. Your time belongs to you. and Albert Einstein. my partners and I had a synergy allowing us to accomplish more in less time. and freed up some of my time to work on other priorities. You have exactly the same number of hours per day that were given to Helen Keller. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. Together. Pay less attention to things that come up but have no relevance to your goal. I could do it myself. Jackson Brown 94 . Lifemoney Currency “Don’t say you don’t have enough time. One example from my life is that I pay to have my laundry done. Pasteur. Fifth. Sure.Lifemoney Fourth. give up the little things that scatter your time and energy. That will only take me away from my priorities. Even though I had to share the profits. Mother Teresa.” -H. Take on only what you want to do and say no to the rest. Leonardo da Vinci. Michelangelo. create a sense of urgency for important activities that are going to be meaningful in your life. Thomas Jefferson. I never answer my phone unless it is a call I’m expecting. But why spend hours handling that task when my time can be put to better use? Last. I would often share sales opportunities and business deals so that I would have less work to do. Sometimes you might want to consider sharing profits or payoffs in order to get needed help.
it was like brushing his teeth. However. besides his normal two week break. When we make an appointment to see the doctor. 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. When I was talking to him about his workout plan. would you? 95 .Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. you need to make your goals – things to do – daily activities. It was something he had to do. Then the real embarrassment came: after going over his working arrangement. a key part of your lifestyle. I learned that through most of those ten years he had worked 10-14 hour days between his job as a paramedic and a bartender! I asked him how he found the time and energy for working out at this pace. You wouldn’t go a whole day without eating. he told me that he hit the gym five times a week. consistently. His response was that working out was one of his daily events. we call it a mortgage. In the same way. eating. In the last ten years. or sleeping. I have a friend who has been bodybuilding (or body sculpting. 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. as he calls it) for over ten years. they make a commitment to the bank. For example. I was amazed at his dedication and commitment. he had not missed a single week of working out. we feel obligated to keep that date. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation.
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. give 100%. You have no choice really. Go big or go home.517.200 books will be shipped in the next 12 months with the wrong cover 5.000 checks will be deducted from wrong bank accounts in the next 60 minutes. 1. 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.260 income tax returns will be processed incorrectly this year 2. Here’s a breakdown of how things might look if only 99.2 miles. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine.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 . He set a goal and did not stop until he reached it. 22.9% effort will not get you where you want to go.500 defective personal computers will be shipped this year 2. Daddy's House Social Programs and the public schools of New York City. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation. because a 99. He went from hanging out and drinking at clubs (I know.488. Follow through.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268.9% effort were given. I saw him) to a few months later running 26.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.
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.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880. 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. saying Oliver Stone didn’t know what he was talking about. tomorrow.690 will be spent today. The director.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9. Jamie could have easily walked away.500 mismatched pairs of shoes will be shipped this year $761. Any Given Sunday. wanted nothing to do with Jamie. Jamie was already a 97 .900 will be spent in the next 12 months on tapes and CD’s that won’t play 107 incorrect medical procedures will be performed by the end of the day today 315 entries in Webster’s Third New International Dictionary of the English Language (unabridged) will turn out to be misspelled. Oliver Stone. He even went so far as to tell Jamie that he “would not waste one inch of film on him. often unsafe. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20.Tools for Success • 3.000 incorrect drug prescriptions will be written in the next 12 months 114.” He did not believe Jamie could pull off the part.
So that’s how successful people handle getting something that they want. But that’s not how Jamie viewed and approached it. Roc. never. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . Second. never give up. First. He had also starred in several movies by this point. The Jamie Foxx Show. at that point in his career he did not need the role. and he had already done many TV shows like In Living Color. They are humble enough not to think they are too good to put in the extra effort. 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.Lifemoney successful comedian/actor. remember to get and stay focused on success. I heard that after Oliver saw the audition tape. he said that he couldn’t make the movie without Jamie. Cooper. -Winston Churchill Gathering the Tools for Success Summary The Five Tools of Success we learned about in this Lifemoney Lesson are all about developing your mental tools to get the job done of reaching your goals. Lifemoney Currency Never. Moesha and Hanging with Mr. they are confident in their abilities and they stay committed until the task is accomplished. He had his own TV show.
minute.” -My Mother 99 . Third. talents. Lifemoney Currency ”Success doesn’t come to you.Tools for Success second. make efficient use of your time. Last. Fourth. or hour passes it is gone. 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. make a commitment to embrace your goals and make them part of your life. and resources. you go to it.
_____ 7. I have evaluated my schedule and am eliminating the time-wasters. _____ 3. I have identified my focus and am ready to pursue it wholeheartedly. and then tally your score. I am willing to delegate some tasks to others. I am learning to make choices that will lead me toward my dreams. Lifemoney Currency ”What you can’t fix. I am taking steps to avoid or redirect or see beyond these distractions. _____ 8. _____ 2. _____ 4. _____ 10. I have begun sorting high priorities from non-essentials. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I am taking specific steps to make better use of my time.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. I am “do or die” committed to doing what it takes to reach my goals. change or impact – You can’t worry about” -Brad Turk 100 . _____ 5. I have made a list of the major distractions in my life. I am determined to include my goals in daily lifestyle activities. _____ 6. _____ 9.
Gardner believes he has over $600 in the bank. your plans for reaching your goals are in play. he took on the role of a complicated. only to find out later that the IRS has seized the bulk of the account. You add them all up.” -Christopher Gardner Overview Finally.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count. Progress Report When Will Smith played the lead character in The Pursuit of Happyness. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. compassionate and ultimately successful man named Christopher Gardner. and one day you look back and you’ll be surprised at where you might get to. one giant leap for your life. as long as you are going forward. but just starting down the road to success is one small step for you. At one pivotal point in the movie. to 101 . You may not feel like you’re making much progress yet.
You’ve decided that you’re going to launch your t-shirt line six months from now. But don’t worry: patience and paying attention brings progress toward your goal. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. it will most likely take months. Instead. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. It will cost about $5.000 for everything you need to get started. filled out paperwork for an extension. and literally withdrawn it from the account. For example. When things take time. 102 . including printing. While the event seems tragic. it’s easy to wander and not finish the essential steps that lead to your goal. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. The resulting loss sent Chris and his young son onto the street. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. 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. 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. to do everything that you want or need for your dreams to become reality. you need your plan clearly laid out and a means to track how you’re doing. shipping and delivery of the first 2. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand.Lifemoney the tune of $600.500 shirts to local retailers. Busy work doesn’t get it. if not years.
This means that you will need to save $960 in the next six months. or about $160 monthly. The simple reality is you need one single visual reminder of what you want. It’s been a year since you made the decision to launch. and you recall spending $300 to get a new bicycle. where you’re going and how you’re doing. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. 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. This messes you up because initially you only needed to deposit $110 in the account each month. Was the goal bad? No.Evaluating Progress Now let’s say you have been saving for a year and have six more months to go as you continue putting the rest of the puzzle-pieces – printing. Were you on track? Yes. shipping and delivery – into place. a daytimer. What happened? Most likely – you made a bad assumption. What happened? Well. 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. Don’t forget the map! The solution to this common problem is either a chart of your own making. I prefer a big calendar. In this example. We often just assume things are going to work out once we have our plan in place. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch. Keep it simple.040 in your money market fund. but by all means use something. electronic calendar or some other external system. but a big 103 . But when you check you notice that there is only $4. Was it out of reach? No. you simply failed to keep track of your progress.
Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. They are items that need to be accomplished to get me further toward my goal. Here are my basic elements: 1. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. 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. 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. As always. 3. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. Written goals are powerful. Let’s find out what they are. I write these action steps in clear and direct language using 104 . I make sure I regularly review my objectives. 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).Lifemoney piece of paper would do. List a Goal: This is where I simply write out my goal – one goal per sheet. make this sheet physically easy to see as you go through your day. feel free to use your own system or means of tracking or modify the one you’ll find in the next exercise if you have something that works for you. Also. Your reminder system should have several key components. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. As you can probably tell. so I’ve broken down my own personal system into five easy to monitor factors. I’m addicted to simplicity. 2.
a popular time of year for making new resolutions or resetting ongoing goals. Create a grid that lists basic steps for reaching your goals. 105 . If I do all my action steps. and is a great marker of progress toward my goal. I reach my objectives. Goal Achievement Exercise M Take out your Workbook. as well as your response to them. I will reach my goal. and keeps you in touch with the realities needed to make your goals happen. I have found that the more specifically this is worded. 5. Completion: I always mark the date when I’ve achieved each objective. You can find lists of action verbs by doing a quick Google search for lists of action verbs. Now it’s your turn. Take it out for review often to make sure you are headed in the right direction. the more accurately I can tell if I’ve reached what I originally envisioned. creating objectives and action steps. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. If I reach my objectives. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. Charting your journey in writing helps to make the whole process seem more real. How you arrange your grid is up to you. 4. I am going to use an example of setting a goal of becoming a better golfer in a year.Evaluating Progress action oriented words. We’ll start with January. but below is a model that provides an idea of how yours might look. Closure on my objective always makes me feel good.
keeping a grid like this one will show at a glance what you are doing. I will surf Internet for local golf pros. Call for subscription to Golf Digest. Outcome I will enjoy my golf game more and feel a sense of accomplishment. Some weeks. Year-round practice will improve my skills. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. to work toward your goal. For instance. and equipment of golf. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. Even if you don’t fill every moment with related tasks. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. and how often. When you go back and check your grid periodically. Learn terms. Enjoy the thrill of getting better. will be spent revisiting an earlier action step. you may spend another week in January (or whenever the first issue comes) reading articles from the publication as your action steps for those weeks. you can quickly and objectively measure your devotion and success in chasing your dream. Check yellow pages for indoor putting green. Read one golf magazine article per week to learn more. I will get expert help and assessment. pros. I will make the time to sign up for lessons and commit an hour a week to practice. Action Step I will take 2 hours during the first week of this month to write out my plan. by the way.Lifemoney Goal: Become a Scratch Golfer In Two Years Date January Week #1 January Week #2 January Week #3 January Week #4 Practice indoors during bad weather for an hour per week. 106 .
you could switch to a physical activity approach in conjunction with. “Please tell me the three things you liked least about what I did. Fortunately and unfortunately. For example. This is good. or instead of. you are now going to get a few things that they were not that excited about. the diet routine. “You did nothing wrong. If. Ask for outside input from people you trust to be honest. If you get the same input from different sources. 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.” This makes them think. Make it easier for them to evaluate you by asking the right questions. I liked it all. for example. Ask good questions Most people want to know what they did right. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be.” To get better information ask.Evaluating Progress If you decide to change your goal for whatever reason. it also forces them to be specific. 107 . remember to adjust the steps to getting there. Find something that works. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. even if that means rotating new activities through the process until you find one that works best for you. To find out if you’re off track I suggest you find out what you did wrong. Evaluate the input. chances are it is correct. and you found little change in the numbers after a few months.
don’t reject impressions just because they are negative. You don’t have to take every piece of advice that’s offered. He was told that his best hopes for a career would be as a carpet layer. 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. Analyze the critiques and use them as you see fit. just listen carefully and ask how you can do it better. people will stop telling you what they really think and say only what you want to hear. Keep in mind that not all opinions you get will be accurate.4 billion was thrown out of 2nd grade.Lifemoney Welcome criticism Some of the comments you receive might include criticism. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. If you argue or make excuses. When someone tells you point-blank that you’re going about something all wrong. 108 . which is totally worthless. Criticism is good – it lets us see a different side of ourselves. however. 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. In 3rd grade he was sent to a school for mentally challenged children. Before you open yourself up to criticism. I’ve been wrong on many occasions.
and creative theory of relativity that has shaped modern physics. the phonograph. Before being home-schooled he was kicked out of three schools. and how to get there in the most efficient way. founder of Woolworth’s and modern department stores.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. Good thing he didn't. Yet. or we wouldn't have his incredible. With his creative mind he patented over ten thousand inventions. His name was F. your banker. • • Walt Disney was once fired for a lack of "good ideas. or an investment agent to discuss planning strategies that can make this possible. Get enough information to provide a clear picture of where you are currently. • Albert Einstein struggled in high school math. taking a personal finance class. where you want to be. if your goal is to retire at age 45 meet with a financial planner.Evaluating Progress • Thomas Edison was told he was not teachable. or attending a money management workshop are additional ways of becoming more knowledgeable. including the light bulb. and film. You might even want to get several opinions and weigh several options before making a final decision. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. far-reaching. he never gave up. that he was a screw-up. His last headmaster said he'd never make it. Woolworth. These also help to make sure you have a realistic goal set and that your 109 . For example. His bosses thought he lacked the common sense. Registering for a financial planning seminar.W.
or meeting someone and falling in love. this is the time to reevaluate your goal. you still have time to adjust your plan to maximize your chances for success. keep track of your progress. Above all remember. Some people even use something as simple as notes. you may get off 110 . KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. As you try to achieve your goals.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. Watch your goal progress closely Check your daily activities. Notes to yourself.K…. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. a death in the family. O.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. as long as you continue to make steady progress. a great new job offer that comes unexpectedly. the loss of a job. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. daily steps that carry us the furthest distance. Either is fine. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. If not. and your progress to see if adjustments are needed for a better chance at a successful outcome. 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. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day. your plan. Your best skill is your ability to write things down and track yourself.
” Rather than being upset or offended. Then move on to do the same with larger tasks. You stop exercising or you start watching a new television series that leads to another new show to another and to another. Don’t beat yourself up for being normal.” “You’re always late.” “You’re attitude is bad. And don’t forget that sometimes you get off track due to internal factors rather than external ones. and then outline action steps you can take to address these. Here are some examples to get you started. • • • • • • • “You have trouble following through to get things done.” “You’re stubborn and won’t do as you’re asked. take this information and use it to your advantage.” “You work slowly. There are some very good action steps you can take to get yourself going again. “You always complain and never offer solutions. 111 . the faster you can get on your way. The faster you uncover the weakness within you and address it. We’re going to address some of the internal areas that may get you off track to achieving your goals. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time. List the five most common criticisms you hear about yourself. properly aligned and refocused.” “I have to constantly watch you because you waste so much time.Evaluating Progress track too. Goal Achievement Exercise N Take out your Workbook.
2. there are many things you can do to address problem areas and turn them around to make negatives into positives. gut-level honesty. Be honest in soliciting opinions from others and acknowledging your weak areas. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. come up with a clever solution to some problem the boss is having. • • Finish the task at hand and ask for something to do next. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. more doable chunks that you make note of it in your planner. break the goals up into smaller. Keep these keys in mind: 1. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. daily pieces that when completed will gradually accumulate and lead to success. Write down the smaller. more specific steps you 112 . If you don’t make notes of how you’ve broken down your duties. you will lose track and wander in pursuit of your goals. Fortunately. Better yet. Then be proactive in making changes to benefit yourself and others. Especially honesty with yourself about your own weak spots. I strongly suggest that if you break your tasks down into 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. Being honest with yourself is a powerful tool.
Read a self-help book related to your goal. Check out at least one set of blueprints for your dream home each month. j. 3. i. Learn something new related to your goal every month. c. e. Have a weekly date with your spouse or child to improve family relations. etc. d. daily. b. as well as find inspiration to help you continue to achieve your goals. Make one sales call daily at least five days per week. Contact at least one new potential employer each week. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. Save at least $10 per day for an average of $300 per month or $3600 per year. take personal responsibility for the difficulties encountered in your quest. Seek out successful people for advice: Free advice is all around you. Here are examples of small activities that can be conducted daily. weekly. h.) g. Whatever you do. Seek it out and you’ll find more encouragement than you’ll be able to handle. Work on replacing a bad habit with a good one each month. you will be amazed to see how much you’ve actually accomplished. Stop and reflect on your life more often: When you stop and reflect on your life every month or two. Resourcefulness). 113 . Meet with your mentor every other week for feedback.Evaluating Progress intend to take. and be willing to make the necessary changes that will help to ensure success. (I speak much more about this in Lifemoney Lesson #6. 4. Review your written goals more regularly (hourly. f.
but that’s fine as long as you don’t abandon the journey. Do this assessment frequently. living. realistically – and often. If you feel that you are unable to follow the timeline or stay with the quest. To tell the complete story.Lifemoney Lifemoney Currency “The price of greatness is responsibility. You may have to revise your daily or weekly goals from time to time. take a short break to renew your mind. Come back to your journey when your batteries are recharged. and then give it all you’ve got! Lifemoney Currency “Dreams are real. After taking action steps toward your objectives and ultimately the goal. Every success story is written with dozens of action plans that were brought to fruition through focus and commitment.to determine what you are able to complete on time. evaluate your progress thoroughly. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you. If anything has changed since you began the quest. Make a visual reminder – like the grid I use . as well as anything that remains unfinished. plan to re-assess your progress.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. factor it into the equation.” 114 -Brad Turk .
I will be quick to admit my weaknesses _____ 7. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I will solicit feedback from experts. Lifemoney Currency “Be consistently consistent. _____ 5. I will check the grid periodically and make any needed changes. along with my progress at regular intervals. _____ 3.” -Brad Turk 115 . _____ 9. _____ 10. In gathering feedback I will ask good questions. and then tally your score.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. I am going to regularly check my progress toward reaching my goals. I have the names of several people I trust to give me good personal feedback. I will make efforts to change or eliminate bad habits. I will create a grid for recording action steps that lead to my objectives. _____ 8. I will reevaluate my goal. _____ 6. _____ 4. I will invite and accept criticism that is given with a view to helping me. _____ 2.
knows firsthand what it means to be resourceful.” Overview Everyone struggles to meet their goals. and we can endure much more than we think we can. had to create his own destiny. This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. who was brought up in the Marcy projects in Brooklyn. Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). everyone encounters resistance along the way. you need to look for other routes or means of help. whose net worth is estimated to be $320 million. Sean.Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe. It’s how you handle the resistance that leads you to success. 116 . When things don’t go as planned. We are stronger and more resourceful than we know.
but the careers of many other superstars. Carter line of Reebok sneakers. 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. in some cases. How resourceful are you? Could you overcome adversity by thinking not just “outside the box.Resourcefulness When he first started out. No one seemed to be interested in his music or recognizing his understanding of the music business. around it or. Jay-Z became one of the most respected rappers in the music industry. you might be filled with 117 . When faced with resistance he responded by finding solutions to his problems. Other ventures of his are Armadale vodka. which launched not only his career. with 18 Grammy nominations and 5 Grammy wins. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. In addition to becoming the President of Def Jam Recordings.” And that’s what he did! He co-founded Roc-A-Fella Records. under it. He has a willingness to find any way to achieve his goals. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. Being a talent was not good enough to attain his success. part ownership of the NBA New Jersey Nets and the S. which includes Roc-A-Fella Films and Rocawear . “I was forced to be an artist and a CEO from the beginning. the 40/40 Club in New York City. he also expanded the Roc-A-Fella empire. including Kanye West. Sean was unable to get a record deal. which eventually shaped his destiny.” but over it. right smack through it? As you begin your journey to reaching your goals. he needed to be a businessman as well.a very successful clothing line.
run some cold water over your hands. You may be thinking. 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. They might come from your creative imagination or perhaps from the lives of other people. Lifemoney Currency "I've found from past experiences that the tighter your plan. 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. or mediocrity and brilliance. What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. you can find resources that will make all the difference in your search." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. then slap yourself in the face.Lifemoney confidence. With a little bit of effort and some common sense. Either way. turn on the light. the more likely you are to run into something unpredictable. The resources you’ll need to tap into can come from inside yourself or from around you. and I know exactly what I have to do to reach my goals. You’re going to need to be resourceful no matter how much you have going for you. “I’ve never felt better! I have a sense of purpose. This lesson points out some useful resources and answers for the troubles you will encounter on your journey.
and realize that often the reason you’re stuck is because you’re not thinking big enough. but the natural resourcefulness of your mind will reward you with many great and doable ideas. Take stock of the situation to see what you can do. only to be told something you already knew? Often. Did you ever consult someone about a problem you were having. 119 . He was the picture of resourcefulness. and then brainstorm big. you must be the same way. The trick is to keep your mind focused on what you want. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. wild and fun solutions. You’ll have to learn to let your mind go in this fashion. You can always do something.Resourcefulness make a computer out of duct tape. big thinker. expensive. he could always find a fix to any obstacle he faced using just what he had around him. 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. Take the time to take stock of the situation and think on your own. Though you may not end up being MacGyver. Relax and think: don’t let the complexity of a problem paralyze you. resourceful problem solvers are some of the most open-minded thinkers I know. I want to make four suggestions for being more resourceful. and when it comes to succeeding in your life. He was never played out. even if you’re unsure of the outcome. Be an open-minded. Clever. These are four ways of thinking that have made me a better businessman and human being. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. Take time to jot down problems for which you’re seeking solutions. 2.
Become four years old again. At twenty-five. It was a big thinking. Instead of focusing on what I could not change—my appearance—I worked on another aspect I could change by taking along a friend who helped to balance my looks. I looked nineteen. I look a lot younger than my real age. 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. 120 . I was able to pitch my products and services to an open ear. George. ask over and over again. As a team. over a microphone to your computer. 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. big thinking I created a great solution. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. and in a moment of wide-open. Be a pest. 3. Make sure you capture those ideas somehow – in paper. I have a baby face. George and I appeared to meet expectations for maturity and sophistication. however works best for you – and then review them every once in a while to see if there is one you can implement. That’s how you learn. Once the perception piece of the introductions was achieved. Don’t be afraid to ask questions from people who know. out-of-the-box resource idea and it worked. And when you come up with all those big thinking ideas – capture them. When attending a high-power meeting I’d take along a good friend. As you can see on the cover of this book. I was trying to launch my business and wanted professionals and industry experts to take me seriously. This was a problem. but walk with eyes – and ears – wide open.
htm.shaw. I find embarrassment. new skills.ca/athomas125/hanna.Resourcefulness You don’t know everything. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. Book is your favorite word. 4. You want to climb the attic stairs. you can’t know everything. I've forgotten how to laugh at blunders… 121 . Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. You love to learn. I see problems. You want to paint. You see steps. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. I see danger. I struggle to learn. My dear granddaughter Hannah. Here’s a thoughtful letter written to a child from her grandfather. And in my experience. With wild abandon you tackle new words. Look for solutions in the most unlikely spots. It was taken from the web site http://members. I see mess. hoping to master the computer in one easy lesson or not at all. you see colors. 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. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. You find laughter in mistakes. Questions are your favorite tools. You want to know everything. You are only two. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere.
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. help me to grow up and become just like Hannah. if it's not too late. You walk right up to a stranger and smile.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. and though you dislike it. Sometimes you may not know where to begin the quest. or information you can’t really use. neighbors. asking questions about their perspectives and ideas. After talking to one resource person or another. tomorrow you will tackle cauliflower with the same exuberance. And learn to ask better questions and be a better listener. But that comes with the territory. These could be friends. Look around for success “MacGyvers” hiding in plain sight all around you. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. Keep Looking . Ask questions that seek out detail rather than just yes and no. I stick with the familiar favorites.Lifemoney You are courageous. Talk to people from teens to retirees. I love you for who you are! Grandpa Dan Dear Lord. 122 . You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. Just keep going until you find the information you really want. When you’re listening to an answer. and relatives who may have an idea or solution to your problem. you might be given all sorts of misleading ideas. At lunch you boldly bite into broccoli.
That’s the beauty of the modern world. Look at the jackets and back covers for ideas about whether a book will be helpful. ask a store associate to order materials for you. you should be able to find worthwhile reading.Resourcefulness You probably won’t find everything you need in your back yard. There’s no better or quicker way to 123 . and read a recent biography of someone you admire or a book on a topic related to your goal. find a seat at the café. spread far and wide. often at the press of a button. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. You don’t even have to buy the books. try different variations of the same words until you find what you are looking for. Instead of sitting in front of the television or playing video games. technology is bringing us closer together. you can just read while you’re there. But you can go anywhere you want and talk to whoever you like. You can even use full sentences to pinpoint the closest data to your topic search. Even as there are more and more of us. If you don’t find an exact match. Don’t be afraid to use all of the resources available to you to gather more resources. 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. spend your time searching for buried answers. buy a cup of coffee. because it is the most widely used and brings up the most comprehensive information) and type in the name or topic you want to research. Whatever your needs or interests. If not. All you need to do is pick a search engine (I use Google. Here are four incredible resources. In a larger bookstore chain.
language CD’s or DVD’s (if your goal involves traveling abroad). Many companies offer free webinars with noted experts in a particular field as a way to sell their products.com) where they constantly have well known speakers. and videos. San Diego. 124 . If your library doesn’t carry a book you want see if they can get it for you from another library. borrow books for free at the library. movie producers and music moguls at your disposal. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. Number 3: Check it out at the library: If you don’t have money to buy publications or want to keep them for a closer reading at home. Most libraries offer this type of service for free. You can also get audio books. and Los Angeles you have the Learning Annex (learningannex. Check your local area for something similar.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. magazines. Minneapolis. You don’t have to buy the product. In New York. but you may learn a few things from the expert while you participate in the webinar. Toronto. San Francisco. 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.
or showing off your playground skills to other kids. It is idling in you right now. you will be able to learn from the experts in that field. Be 125 .Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. For example if you’ve challenged yourself to get a great job in New York City. waiting for the chance to drive you toward solving your challenges and meeting your goals. Ask the people around you what they know about New York.” -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. They will teach you how to become financially secure and independent. find out all you can about life in New York and the companies or groups associated with this new job in New York. Read books and look for television programs. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. One life changing piece of advice can make you thousands if not millions. That thrill of learning still exists inside you today.
No matter what your interest. volunteer at a local official’s office and see how it works. • Take a non-credit class. Check with a local community college or university branch campus for information about these classes. Consider joining 126 . Listen first. the internet provides an opportunity to meet many like minded people. If you’re planning to write a novel. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. work on building friendships with new. Rather than ditch your old friends. Over time our interests drift and friendships change because your interests no longer match. You can meet experts in your field of interest and learn things about your pursuit you never knew existed. If they don’t have one you want. Those friendships can form quickly and be lasting. and provide you all kinds of problem solving resources. • Online Special Interest Groups. Learning new things is virtually guaranteed. then ask lots of questions. Often we outgrow our friends. • Join a special interest group.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. Most colleges – especially community colleges offer informal. suggest that it be taught in the future. like minded people that share your intensity in life. specialized courses that often cost under $100 and run over a day or several weekly classes. find a writer’s group or a reader’s club. To run for civic office in a few years.
Consult a community resource center 2. Wednesday and Friday. assign timelines in which you will visit these places.Resourcefulness an online community. Online chat room--.” -Bill Gates Goal Achievement Exercise O Take out your Workbook. Community resource center – attend evening sessions from 8 to 9 Monday. 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. List three places where you can go to find some information that will further your ability to be resourceful. 2. reading blogs about topics that interest you.this week I will seek out one interest group related to my goal 127 . Join an online chat room 3. Visit a local learning annex Once you have these three written down. or subscribing to a mailing list of like minded folks. such as: 1.
Lifemoney Currency “If you are going to be thinking anyway. learner and observer.C. learning the industry from the ground up. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. and found resources anywhere – and everywhere – he could. This is someone who will work with you to set goals and help you make plans for reaching them. 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. Combs applied to Howard University in Washington.com. look for experts in your field. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. you might as well think big. Before he became known as Diddy. According to Answers. If you’re planning to write a best selling novel. and while attending. those who have already accomplished what you want to do.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. Sean “Puffy” Combs worked in thankless jobs like the rest of us.” There he swept floors and kept his ear to the ground. But Combs was an avid listener. Uptown Records. contact authors whose writing style you like and ask them for tips on 128 . “Already a shrewd businessman through his two paper routes.Lifemoney 3. D..
Learn it first then conquer it. too. and find out what keeps them going strong as well as the things that hold them back. Go straight to those who know the ropes and can share a bit of wisdom. take a job as an intern like Diddy. Books. if applicable. Make sure that you research these people and their companies. There are actually some fields like the music industry where the only path to a real job is to intern. too. Look up biographies. If speaking directly with an expert isn’t likely. Avoid their mistakes. and who won’t turn their backs when you need help. and other information that might hold clues to the reasons for a person’s success. and look for readers that can tell you what they look for in this type of book. You also may want to consult the local Small Business Administration or a retired executive. libraries and the Internet are valuable. interviews. but people are the ultimate resource. videos. You could contact publishers. Look for people who can provide guidance. Don’t rely on your own expertise. don’t be surprised if some don’t return your calls. Or look up a local leader that you might be able to interview or job shadow.Resourcefulness getting published. find out what not to do. When learning from the experts. 129 . Try other people or be persistent with the ones you really think are important for you to meet or talk with. get some books about famous people who have already made it in the area where you want to go. Ask questions like. before you speak to them. “What is one thing you would do differently?” Study those who are where you want to be. Don’t fight the system if you don’t have to. If you’re a student. Always be prepared and don’t waste anyone’s time. And.
While making your list. it is because I was standing on the shoulders of giants. intrigue these people to help you in whatever way possible. Using the people skills that you will learn in Lifemoney Lesson #8. List three people that you will contact for assistance. 130 . 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. You’d be amazed how many talented people you already know that could help you along your journey.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. Never forget to take advantage of your network of connections. think of key resource people you already know from your past and your present. No matter what sorts of challenges you face right now.Lifemoney Lifemoney Currency “If I have seen farther than others.
” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. that can put you closer to reaching your ultimate goals. Some days. Stephen Spielberg. small and large. and as far as necessary. services and know-how you need to create Lifemoney. to get the information. the most resourceful individual will taste defeat. might be the director. Very few people succeed entirely on their own. Try to count how many names are listed at the end of the film. 131 . reach out as often. It’s important to utilize every opportunity. every one of those people was a resource in creating his latest masterpiece. Don’t limit your dreams by limiting your scope.Resourcefulness Lifemoney Currency “Remember you will not always win. but stick around for the credits after his next movie. But there is. always tomorrow after you have done your best to achieve success today. in this case.
I plan to read an autobiography of a famous leader who inspires me. _____ 2. but who you know. _____ 10. and observations. and then tally your score. Lifemoney Currency “Some people say it’s not what you know. Learning is the beginning of health. _____ 6. I will enthusiastically seek information like a kid. I will keep my eyes open for a mentor. I will read new material that relates to the pursuit of my goals. I will take a class or seminar related to one or more of my goals. find the people you need to know and introduce yourself. Learning is the beginning of spirituality. _____ 4.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. _____ 8. _____ 5.” 132 . _____ 1. I say. ideas. _____ 3. I will network with people I know to find expertise beyond my circle. I believe learning is the beginning of wealth. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 9.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with.Brad Turk . _____ 7. school or online special interest group. I plan to visit a library. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. Searching and learning is where the miracle process all begins.
objectifying your goal. Now I want to talk to you about the one Lifemoney skill that might be the most important to anyone wishing success in life: creativity. They are your real wealth. directly across the street from Grand Central Station. looking at things from a different perspective. He bought the property in 1977 when that part of New York City was in terrible shape. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you.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. These include visualization. your Lifemoney. asking big and avoiding the herd mentality. Trump had no 133 .
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.
Visualization is when you mentally create an image of yourself accomplishing the desired objective. this proven 138 . 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. it becomes more tangible. If you want to operate your own business instead of working for someone else. step by step. See yourself inspecting the houses. imagine yourself doing it. For example. Now. and telephone. noticing colors of paint and the condition of the neighborhood. if you want to get into real estate. Your body will do what your brain focuses on. or when it becomes increasingly difficult to see yourself in the winner’s circle.Lifemoney 5. 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. so keep your thoughts positive and stay focused. it’s time to shift gears and visualize it. copier. fax. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. What’s it worth to you? When you’re ready to give up on your dream. You’ll work out the bugs of a process that will move you closer to your goal. This isn’t fantasy or play-acting. Avoid the herd mentality. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. Picture your home office with all the things you would use in a public office—computer.
Why? Because you will create whatever you’re visualizing. whether at home or at the office. Do what you can to make a real “object” out of your goal. Lifemoney Currency “Visualization is daydreaming with a purpose. There is no substitute for keeping the proper image in your mind at all times. and I still have the toy versions to help me remember to make my dreams real. That is a conscious choice. an action you take.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. Sometimes having that physical object can help make an abstract idea seem more real. Do you keep a special object to remind you of your roots. Acquiring anything starts with imagining it constantly. 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. Those that fail to reach their dreams are often letting their positive visualizations vanish. To date. your accomplishments and your dreams? Some 139 . good or bad. but our brains respond better to the real thing. All success starts in your mind. Look at your workspace. 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. I have had both of these cars.
A miniature horse that fits in your palm could be the symbol of your future breeding farm. It also keeps her motivated and helps as a reminder of how precious life is.Lifemoney people have desks covered with trophies and some have desks covered with bills. seemingly insignificant object that reminds you of something very important. start collecting those things and placing them around you. the one he died on. This is especially important in creating objects that represent your personal goals. 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. 140 . Whatever you choose. an award or commemorative gift. and she keeps it near her heart as a reminder of how much she misses him. Queen Latifah wears a key on a chain. Who do you think is more positively driven? Around her neck. whether past. Dieters sometimes buy clothing in the size they want to be rather than what they are now. If you don’t. it should be something that reminds you of and keeps you motivated to achieve your dreams. The key belonged to her late brother’s motorcycle. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. The object for your personal goal might be something that brings to mind your dream. Real objects have power. and how important it is to enjoy every minute. Chances are you have a framed photo. or another small. present or future.
it seemed I got the truth out of him. After bothering the agent. I put it in my wallet and it deteriorated.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995. His success is attributed to seeing what’s not there and being open minded about what can happen. He asked more questions. I found out I was going to make ten million dollars for Dumb & Dumber.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. “We’re out of here. manages some and sells the others. I looked at my friend as if to say. From his perspective it was good that the place 141 . and he informed me they had been trying to sell it for over a year. just before Thanksgiving 1995. crunched some numbers and while we were sitting down for coffee afterwards. Well. Although I loved the building and the area. What I saw as a negative. I put that check in the casket with my father because it was our dream together. he explained to me that this was a great deal. When we went into the place I was very disappointed. He buys a lot of properties. the actual apartment was terrible. I remember him helping me out once when I was looking for a small rental property. I thought I knew something about real estate and I asked the agent how long the place had been on the market. It looked like a hurricane had come through and no one bothered to clean up after.” But David wasn’t quite ready to leave. that was it for me. And then. my friend saw as a positive.
Although Liz was happy with the money she made and her success in what she did. So try! It is a valuable lifemoney skill that can translate into big cash money. Most people who walked in there did not see the value of the place and could not picture what the place could look like.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. 142 . David helped me to see the real value of that deal. 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. By shifting perspective.000 down to $150. How? We were able to get the price from $165.000. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price.000. My girlfriend.000 co-op for $175. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. Creativity Factor #4: Ask big There is huge power in learning to ask big. 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. it appeared that I would be buying a $200.Lifemoney was a wreck and was on the market for so long. You can do this in your own life. Liz. does medical billing and is the office manager for a doctor’s office.000 and after spending $25. 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. 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. After David did the math with me.
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
_____ 3. but seeing what’s not there. I can visualize my success through a variety of mental pictures. Lifemoney Currency “A problem is a chance for you to do your best thinking. and then figure your score. _____ 2. Take the time to evaluate your situation and try a creative approach.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with.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. Make the time. _____ 5. I seek out new perspectives to old problems. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. I have objects around me that symbolize the success I seek. Engage your creativity now by taking stock of your situation. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what 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. and invest the energy in some creative thinking about going after the things you want. Remember that one of the most important aspects of creativity isn’t seeing what’s there. _____ 4. 147 . giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Don’t let yours go to waste.
I avoid the herd mentality at all costs. _____ 8. doesn’t mean you can’t do it. I make detailed mental images of what I want. I keep asking bigger questions to spur my creativity. I will use creativity to help me attain my goals. I know when I ask boldly. hasn’t been done or looks like it can’t be done. _____ 10. _____ 9. Lifemoney Currency “Just because something isn’t being done. _____ 7.Lifemoney _____ 6. great possibilities are created.” -Brad Turk 148 .
getting others involved will be a major key to your success. 149 . but it should make your life experience more rewarding as well. professional and powerful way will not only aid you in achieving your objectives. For almost any goal you may have.People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. Using people skills in a competent. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. 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. So learning to interface with other people is vital to realizing your goals. 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. if people get better at these people skills.
She was self motivated. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. I saw from past managers that I have had. During that time.Lifemoney While I was at MCI. He was always late. and that I could not work her harder than she would work herself. that same uncle died again. that one of the biggest problems in how they managed was that they had a uniform way of doing things. On the other hand. out sick. I worked as a manager for a short period of time. who he missed that had passed away about a year before. hard working and considered her sales position as her own small business that she was managing. I had one rep who was just like I was as a salesperson. or had an excuse for something going wrong. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). from being a salesperson. Their “House Rules” were specific to how they thought a salesperson should be. I provided them the resources to work in an environment where they could thrive. I knew first hand. Using my Lifemoney Lesson # 8. I quickly realized that to deal with people effectively you really need to understand what motivates them. As an example. I knew she was a hard worker. He had so many excuses that he was losing track of them. Amazingly. They were men and women of different races and backgrounds. I was managing a staff of 8 sales people who all had extremely different personalities. He once told me about his only uncle. I had a salesperson who was one of the most charismatic people you could meet. and he needed a couple of days to 150 . I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. that she would get the sales in. I did for her what I wanted my sales manger to do for me – I stayed out of her way. that we are all different and had different needs.
you need to know what their needs are. Lifemoney Currency “Shared joy is a double joy. Be as specific as you can. He later thanked me for helping him. Are you a people person? Few of us respond to every situation in perfect form. but it allowed me to really connect to my reps and form lasting friendships. Not only was this experience a financial success for me. and told me that he needed that treatment to get him where he wanted to go. I treated him how he needed to be treated. So to get the most out of people and to win them over to your cause. Anyway. I micromanaged him. some I still have to this day. Think of a past problem you had with a specific person.People grieve. Shared sorrow is half a sorrow.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. and at least once every day gave him a swift kick in the ass. especially when it comes to dealing with people. 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 .
When it is your turn to listen. The primary way we communicate with others is through conversation. everything. even dealing with people – especially dealing with people – requires proper planning. Lifemoney Currency “Every one of us gets through the tough times because somebody is there. there are lanes for incoming and offloading traffic. Listen. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. 152 .Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. Step # 1: Be a Good Listener People want to be heard and understood. of preparing yourself to deal with people rather than doing so on instinct or history. For relationships to be mutually valuable you must build a bridge that goes two-ways. Get into the habit. or rhythm. Success doesn’t happen by accident. do not speak.” -Oprah Winfrey Turk’s 12-Step Plan for Bridge Building You can think of this section as the 12-Step plan for building relationship bridges on your road to success. Conversation involves someone speaking and someone listening. standing in the gap to close it for us.
Watch for opportunities to offer empathy. 153 . He was so excited to talk about himself and his experiences that at the end of an hour. Again. advice or assistance. Try and put yourself in their shoes. 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. If you want to win them over. Yet. Because I took an interest in him. not just another segue to a story about yourself. I will tell you a funny story about a job interview I once had. It turned out to be a win/win for us both. Although I knew my resume would be suitable for the position. Ask questions. this guy not only offered me the job. find out about them. Smile. we did not get to discuss my history. I asked the interviewer a few key questions about himself and what had made him successful in his career. When you talk to others. let them talk about their skills. listen with a reason. it seemed as if we did not even speak about me. he took an interest in me. At the beginning of the interview. at the end of our meeting.People To demonstrate how much people want and need to express themselves and feel understood. Keep in mind he found me so interesting and I barely said a word. You can’t learn from them if you’re talking. Be enthusiastic about what they are talking about and who they are. Step # 2: Take an Interest in People When you listen. If you really take an interest in what they are saying you might learn something. their needs and their accomplishments. Let the other person speak – while you LISTEN. Everyone’s favorite topic of discussion is themselves. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves.
the more they’ll learn by example and start paying you back– by listening to YOU. The more you listen to others. you only aggravate yourself. 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. But the funny thing about building these bridges is they work both ways. the more two-way they’ll become. Try it and see how it works. Step # 3: Don’t Undermine – Understand It’s easy to criticize. and telling your stories. They’re getting enjoyment out of reliving an experience or sharing an insight. and someone you are talking to tells you about a game of racquetball they played. brag or whatever they wish. Let the other person feel important and appreciated. it might be. 154 . Some people are just genuinely grumpy or mean – but these people are not the majority.Lifemoney Let’s say that you are a very good racquetball player. Have faith and patience that the longer these relationships last. 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. Let the person tell the story. at first. 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. Don’t take that away by changing the subject to you. In building up conflict instead of offering genuine kindness. you don’t have to interject your knowledge or skills. But you need to be genuinely nice. Even though you can relate to the story because of your expertise. If this sounds fairly one-sided. 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. Most people react in a negative way due to circumstances.
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.People Think back to a bad day you had recently. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. His name was Fleming. screaming and struggling to free himself. 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. Crazy things happen when you reach out to people and pay some kindnesses forward. One day. Maybe you got up on the wrong side of the bed.winstonchurchill.” said the nobleman. and he was a poor Scottish farmer. even though you typically arrive on time. “You saved my son’s life. mired to his waist in black muck.” 155 . Maybe you weren’t feeling well. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. On the way to work you get stuck in traffic due to road construction. he heard a cry for help coming from a nearby bog. “I want to repay you. There.cfm?pageid=102. Farmer Fleming saved the lad from what could have been a slow and terrifying death.org/i4a/pages/index. a fancy carriage pulled up to the Scotsman’s sparse surroundings. The next day. while trying to make a living for his family. was a terrified boy. Then the boss yells at you for being late. He dropped his tools and ran to the bog.
and went on to become known throughout the world as the noted Sir Alexander Fleming. This not only looks bad.” the farmer replied proudly. His son’s name? Sir Winston Churchill.” And that he did. “I’ll make you a deal. “Is that your son?” The nobleman asked. but I think people can tell when you don’t remember their names. “Yes. 156 . graduated from St.Lifemoney “No. and it’s a little bit insulting. he’ll no doubt grow to be a man we both will be proud of. the same nobleman’s son who was saved from the bog was stricken with pneumonia. the farmer’s own son came to the door of the family hovel. Years afterward. At that moment. I know it is because I never really made a true attempt to focus on remembering them. Farmer Fleming’s son attended the very best schools and. the discoverer of penicillin.” the Scottish farmer replied waving off the offer. Let me provide him with the level of education my own son will enjoy. in time. I can’t accept payment for what I did. The name of the nobleman? Lord Randolph Churchill. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. If the lad is anything like his father. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. Mary’s Hospital Medical School in London. What saved his life this time? Penicillin.
” You get the idea.People I would suggest you develop a system that helps you put greater effort into this huge priority. Brian. But if they look like they’re very tired and sad.” Another popular technique is to associate their name with something visually unusual. Where do you work? Is that right? Sounds interesting. nice meeting you. but I will stress what’s in it for them: a great rate of return. If their name is “Brad” and they look like Brad Pitt. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. 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. Again. Let’s talk about that sometime. the intangible benefits of having their name 157 . 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. it’s easy. These little tricks work amazingly well and are well worth the time it takes to practice them. Brian. the value of the proposed deal. they will be interested in helping you in exchange. “Nice to meet you. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. “glad Brad. One idea is to repeat the person’s name out loud a few times during the introduction. Let’s say for example that I need help with financing a business deal that’s important to me. For instance. you might think “sad Brad” or if they look happy.
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. but the level of intensity – time. stupid and embarrassed.Lifemoney associated with the project. how 158 . 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. a coworker or a friend. the fun we can have together as a team. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. I’m always thinking “what do they want. …you get the idea. a case of beer or concert tickets. All you will do is make the other person feel bad. they would have behaved differently. Remember that getting the support you want depends in part on providing others with what they need. 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. energy and commitment – will be that much greater if you provide people with something they want. If a friend is remodeling a kitchen. when they did help. and how can I give it to them?” I am not saying you can’t get help any other way. offer to help. too. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. That only happens in courts in front of judges. whether a free meal. The winner of an argument in real life is often the loser in the relationship. inferior.
Disagreements on the other hand can be powerful sources of new information and a chance to grow. I make a big distinction between arguing and disagreeing. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. Always try to look inward to the core issue. people argue because they are hurt. Arguments. Keep in mind that everyone is born equal and deserves to be treated that way. Don’t give advice unless it is requested. Show. Don’t brag. Let others mention your accomplishments before you do. do nothing but harm. don’t tell. upset or just want to communicate with someone they care about.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. Don’t speak out of anger. Speak from a calm center. 159 . Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. Don’t act rashly or lash out. 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. be self-controlled. Think about someone in your past that pushed unwanted advice on you. be it personal or professional. particularly defensive and mean ones. aggressive individuals that think they know it all. even if it’s negative communication. and even then be careful. Wait for your opinion to be asked before shoving it at someone. no one is impressed. Step # 8: Think Before You Speak In any discussion. Often. Relax. Think your words through.
Step # 10: No Whining Allowed No one likes a whiner. Look people in the eye and give them respect when you speak to them. 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. Take courtesy even further. To get along in this world without becoming an irritating whiner. but he never called or wrote to say thanks. Don’t cry or whine over any of this. but it’s extremely important. Always say please when asking for something. Or you might have helped a coworker with a difficult project. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. Shake hands firmly and introduce yourself when around new people. It’s not that your problems are unimportant. Just remain calm and don’t shoot your mouth 160 . 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. From time to time you may even take the blame for something that isn’t your fault. Some of those mistakes will be at your expense. Everyone makes mistakes and will disappoint you at some point. You would be surprised how far all of this will take you in building relationships. but received no sense of appreciation. lower your expectations of others and increase them for yourself. even after working hours of unpaid overtime. This may seem like a small thing. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. It makes a deep and lasting impression that money can’t buy. 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.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance.
Your word means everything. more opportunities will be sent your way. Even if it is just to arrive to a meeting at a certain time. Step # 11: Your Word is Your Bond Do what you say you are going to do. If you can’t be trusted on one issue. When people know you are dependable. chances are your credibility will be shot for all that you do. 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.People off and burn bridges. but this true story illustrates how sensitive some people are to lateness. You never know when you might have to go back the way you came and deal with that person again under better circumstances. especially in business. 161 . to a successful person. The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. As I mentioned. I know this is extreme and there are times when being late can’t be avoided. I had an appointment with someone and I showed up 15 minutes late. 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. time is their most valuable asset. Also. being late is a sign of disrespect for someone else’s time.
If it’s someone who is really just negative and brings you down. like fishing or playing cards. If you don’t like 162 . Problem people often hide in plain sight. To get rid of the people who will hold you back. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return. or who tell you to give up because you have more important things to do. It could be a friend who is always cooking up a crazy idea that never gets out of the starting gate.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. while your reputation is merely what others think you are. You probably already know who some of these “avoidable” people are. politely let them that you will get in touch when you have time. It’s not that you can never enjoy recreational time. 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. but you have to put first things first if you ever plan to reach your goals. don’t be afraid to cut ties totally. They might be an older brother who sets a bad example with his drug use or gang activity. They can be so-called “pals” who don’t believe in you.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. or that costs you plenty when it does get a running start. because your character is what you really are. put you down or turn you off. They may be hardheaded bosses who refuse to think out of the box.
or they may be a total stranger. 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. cling to them. A motivator can be anyone who trusts you to follow your dreams. And the more you hunt for them the more they will be attracted to you. Find a new bus or another means to get there. They might be a good friend who listens while you describe the goal you want to reach. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. you must also make room in your life for the motivators. Either way you’ll know these motivators because you’ll feel an instant attraction to them. In fact. 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. It’s not quitting if you’re the one doing the choosing. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. It might be a mentor who leads by example or. 163 . seek them out. make sure that you’re always riding the right bus for you. If they’re nearby. it’s simply a move in a new direction. 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. Either way. They’re a little harder to find. quite literally.
Lifemoney Lifemoney Currency “Get around the right people.” -Brad Turk 164 .” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson. Then magic happens. 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. keep using it until you don’t think about using it anymore because it’s so natural. Don’t move off to try another one until you’ve seen results with the first one. Lifemoney Currency “One skill you act on is better than 12 that you don’t. In fact. goal-oriented people who encourage and inspire you. This is the best way I know of to master this list.
A huge part of receiving is giving. and then tally your score.People Millionaire’s Checklist: Check all the items below that you agree with. _____ 2. you WILL know-how. and I often make efforts to give without expectation of receiving anything _____ 4. _____ 6. I understand the value of tolerance when dealing with difficult people. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I have a good sense of which people to pursue and which to avoid. Lifemoney Currency “Find people to make up for your lack of know-how and. _____ 7. _____ 8. I try to stay calm and avoid arguments. I am learning to be a good listener. I always remember the “what’s in it for me” rule. I am taking an active interest in people _____ 3. I don’t whine. _____ 10. although I can politely disagree. I make efforts to express appreciation and good manners to others. eventually. _____ 9. _____ 5.” -Brad Turk 165 . I keep to my word.
Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones. a well maintained attitude and a “no excuses” outlook. What you believe you’re going to get in life is pretty much what you’re going to get. 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. This talks about some of the things I’ve found useful in creating a positive mind. Where’s Your Head At? Which of these statements sounds most like something you’d say to yourself: I am going to reach my goals and fulfill my dreams! or I am going to try to reach my goals but it’s going to be hard because… 166 . whether you believe you will or you won’t – you’re probably right.
As a general statement positive thinking plays a powerful role in helping us achieve what we set out to do. I figured she would have far fewer worries than other people! In getting to know her. You just have to know that you’re heading in the right direction. you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. I saw her complaining everyday about what I thought were very trivial things. If you focus on the negative. if you focus on the positive. happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college. or the fame of her dad but everyone in school wanted to be near her. or do you think that it probably won’t happen for you? This question is like a fork in the road. When I finally had the chance to meet her personally. I don’t know if it was her beauty. It appeared that everything annoyed her and she was never happy. I was amazed to see how miserable she was. 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. and whichever direction you take in your mind will probably dictate your destiny. The Multi-Millionaire Blues A good example of how attitude. Her father had been an executive producer of some very well known films. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. believe that it can happen and know that you have what it takes to make it happen. you create road blocks that stop you from achieving your goals. it appeared she had everything that a person could want. On the contrary. He was both successful in his field and wealthy.Positively Thinking Do you believe you can reach your goals. 167 . her money. From the outside looking in.
I heard a few years later that she had attempted suicide. and say. focus on what you can do. 168 . It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel.Lifemoney I stayed away from her negativity and did not associate too much with her. It’s not what you have but how you perceive things that really counts. 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. 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. They complain about all the ways in which other people or circumstances are standing in their way. you do have complete control over what you choose to think. Maybe you come from a family with many losers and too few winners. what you attract into your life and your ultimate success. You might feel as though you are destined to continue the long line of defeat. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. do. “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. So don’t worry about what you can’t do. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. 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.
Change the channel and play the role starting now. 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. Lifemoney Currency “Just can’t live that negative way…make way for the positive day. It starts in your head with your mental remote and plays out in reality. you better change your mental channel. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. If you feel yourself beginning to argue with me. so use it positively. there is nothing stopping you from becoming all that you dream of becoming.” Your mind is yours.Positively Thinking Practice turning negatives into positives. In America. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. I was able to become wealthy.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. If you grew up wealthy – good. You dream 169 . STOP! Forget the excuses! If you grew up poor – good. 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. You have the resources others don’t have. You have even more desire to do better than others may have. I want you to understand that you’re holding the remote in your hand to switch to that channel. If you catch yourself repeating the complaints above.
This attitude and confidence spread and led everyone else to believe the same. took it on as his personal goal. Get your mind on the right channel and the body will do its part to follow the plan. that had to be coupled with hard work and long hours in the gym. and guess what? It’s yours. you work hard to get it. Obviously. Do it and watch how your outlook brightens. and explain how you will avoid one of those failures in the future. This is the way you turn negative experiences into a positive ones. but he said that all the intense effort and workouts did not give him the extra edge that he needed. 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. you implement your plan. List five failures that caused setbacks in your life. Failure can be a very positive experience if you dig through it to find a good lesson. 170 . and owned the feeling of a champion. He visualized it.Lifemoney it. The mind rules over every part of the body. write down a lesson you learned from this failure. you have a smart plan. Goal Achievement Exercise T Take out your Workbook. Also. It was the mental focus on all that he did that made him the best in his field. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself.
Negative people complain about things and positive people fix things. They have a mental certainty that what they’re doing will lead them right to where they want to be. Which have you been? Be honest with yourself. -Thomas Edison Don’t Complain . It usually doesn’t happen overnight. If you want a piece of the action. Rather they give years of their lives charting a positive course and expecting greatness. Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by. But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 . a Donald Trump in real estate or a Jay-Z in the studio.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. would you handle things differently? If so. Looking back have you been a complainer or a fixer? If you had it to do over. Understand that a positive mindset happens first. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success. 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.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”. but it does happen.
did a previous employer offer to pay the tuition for you to return to school. that a former teacher encouraged because you secretly had no confidence in your ability. and get frustrated. Begin positive.Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. and never feel played out. Is stress holding you back? Stress is often closely linked with a negative mental attitude. These are all signs of a distressed and negative mindset. Make a mental note not to miss these kinds of opportunities again. get it in positive ways by becoming an encourager. The solution is to stop complaining and fix your attitude. 172 . Why? Negative thinkers typically think that they’re stuck and will be miserable forever. 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. stay open and be ready to jump into action. Positive thinkers are always focusing on ways to positively impact their world. How do you do that? You’ve heard me say that we cannot always control the events in our lives. but we can control our responses to them and the actions we take as a result. Begin using positive thinking to search for new ways to impact your life. especially if it was a thought that stopped you. If you want people’s attention. and a role model. The same is true about anxiety. start looking for what you can get. like drawing. an inspiration. Instead of whining about what you don’t have. People are much more likely to admire and support you if you adopt this mindset in your everyday life.
employment. When you’ve completed this list. Include options like going back to school. That’s a great first step in positive thinking. overcoming a bad habit.” -Anonymous Goal Achievement Exercise U Take out your Workbook. or relationship opportunities.” -Winston Churchill 173 . Make a list of opportunities from the past that were missed due to negative thinking. Make the list with a new sense of optimism and hopefulness. 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. These could include lost academic. developing new skills. cultivating new relationships (or restoring old ones). Lifemoney Currency “Attitude is a little thing that makes a big difference.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. anyone can start from now and make a brand new ending. make a new list of potential opportunities for the future.
whose deafness did not stop him from composing classic musical compositions. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. who minus sight and hearing became a model of inspiration to others. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. Positive thinking sets them on a course for achievement. Some famous examples include Beethoven. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. broadcaster 174 . Helen Keller.” -Lou Holtz. 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. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life.Lifemoney The Key to Success? Live Out Of Your Car Positively thinking is about believing in yourself enough to do anything! What do the following tremendously successful people have in common: Hilary Swank. or at least their little piece of it. 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. I never had a crisis that didn’t make me stronger. football coach.
so what? Who cares? Besides. most people in your audience would rather die than speak. Most people don’t remember what even great speakers say! Besides. What’s the worst thing that could happen if you failed? Is that really that bad? Would you get over it if not immediately than eventually? Let’s say for example that you were afraid to give a speech in front of a group of people. 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. who is going to think twice about your errors after they arrive home that night? It would never happen. So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. You may submit a proposal and wait months before 175 .Positively Thinking Worst Case . And if they did laugh.Best Case Try this experiment to create more positive thinking. Think about something that you are afraid to do because you think you might fail. so you’re already way ahead of them. What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. Instead think in terms of best case/worst case. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. Don’t be intimidated by life situations like this. many of our efforts don’t bring immediate results. Then take on life without apology or embarrassment.
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.Lifemoney getting a reply. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. 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. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. Stay positive by remembering that lesser. The way to get over them is to keep it moving until something positive does happen. Everyone faces down times. Without those first small steps there could be no end result worth noting. She’s probably like all the others. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. It’s time for a change. 176 . Think of it this way: you’re going to have to spend the day in some way. productive and get something done? Eliminate Negative Self-Talk A huge part of controlling a positive thought process is by eliminating ongoing negative self-talk. why not be positive. 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. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. This relationship is going nowhere. lack of feedback can lead to negative thinking. Unless you’re prepared to wait.
trying to get into graduate school. The idea is to simply stop thinking negatively and to find something good to say “yes” to. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. Or maybe the girl has a habit that reminds you of someone you used to date. especially if others are telling you it won’t happen. The key is to quickly counter the negative talk the instant you recognize it. going back to college at 40. 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. For example. or climbing to the top of your profession may seem unachievable at first. They rob you of positive energy and momentum. 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. 177 . it may seem unreachable at first. We ought to try a little longer in case this turns out to be something good. Create a Repeatable Success Thought When you set your sights on a distant goal. But that is the time to push the envelope to reach your dream.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. the faster your mind will change into a direction that goes forward. I’m going to call her and plan something exciting.
write down positively phrased replacement terms you can use as success thoughts. 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. and repeat it often. I call these “success thoughts. Goal Achievement Exercise V Take out your Workbook. To avoid negative self-talk and track negative thoughts. the sooner you will believe it. Don’t write long sentences or anything that is too short or vague. I do not need second helpings.” (Too long and detailed) 2.” (Too short and vague) 178 .Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. “I’ll stop spending. “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. Nothing can block my success. Be specific and limited. Make your success thought as specific as possible.” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence. I will speak up at today’s meeting. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. The more you say it.
When you fall down.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. 179 . After a few weeks. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. specific and helpful) 2.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. Instead. detailed and valuable) Use your imagination to come up with more positive statements like these. it’s how you view them and what you do about them that matters.” (Positive. “I’ll pay my balance each month. Lifemoney Currency “Anything is possible. update the success thought for a related goal. and you have to fight.Positively Thinking These thoughts are both non-specific and vague – You’ll stop spending for how long? Forever? Neither of these statements will be particularly helpful in the real world. but you have to think positive. “I won’t charge more than $50 weekly. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1.” (Positive. pre-recorded message that reminds you to stay on track. Everyone makes mistakes. but the important thing is to think positive. “I’ll use just one credit card. such as.
Lifemoney Don’t let past failures hold you back. Keep focused on what you want.” 180 . 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. Although others may have held you back at one time or another or you may have to seek help to reach your goal. Don’t let anything keep you from getting it. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains. remember that you are responsible for how your life turns out. Think about the things that are positive in your life.
not a loser. to fix my situation. I repeat success thoughts to myself as often as possible. but rather. I keep moving ahead even though I’m not getting immediately rewarded.” -Brad Turk 181 . I will continue viewing myself as a winner. I am making consistent efforts not to complain. I can see how past accomplishments have prepared me for the future. _____ 10. Lifemoney Currency “Some view the glass as half empty.Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 8. and then tally your score. _____ 7. I am learning to manage personal and job-related stress by positive. _____ 6. I will not let others’ pessimism interfere with my plans to reach my goals. _____ 5. I view the glass as half full. _____ 9. I am watching for opportunities to say yes to. I refuse to hold on to negativity and past misbehaviors. some view the glass as half full. _____ 4. with the waiter on his way over to fill it up. _____ 3. I will act as if I’m in the role I want to play. _____ 1. proactive thinking. _____ 2.
But I have broken 35 bones. I forget all of the things that have broke. it turns denying yourself into investing in yourself. I shattered my pelvis.” -Evel Knievel Overview Few of us do well with sacrifice.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. We want it all. Not true. If we could find a way we’d have it yesterday. When you recognize that sacrifice is frequently a part of success. I had surgery 14 times to pin and plate. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. We want it now. They say I have broken every bone in my body. 182 . Successful people know that dreams don’t come pre-packaged overnight. it just doesn’t come naturally.
Ask filmmaker Spike Lee. They lay everything they have on the line. I will tell you right off the bat that I wouldn’t be. off the ground he did just that. you have to make those kinds of sacrifices. but I can tell you that Spike would probably say yes. saving every penny to open a restaurant. It cost him $175. Within a generation. This much I can tell you.big time! Big or small. would you? 183 .000 in domestic box office sales. grateful for the opportunity to have all the work they can handle. Many immigrants come to this country with nothing but the shirt on their backs. 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. They are simply unwilling to sacrifice anything to get where they want to go. Why? Because they work hard. some become millionaires. It’s a real risky strategy but sometimes when you believe in something strongly enough. Spike Lee knows that sacrifice can pay off . to get his first film project. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants. there are people who were born in this country who complain about the lack of jobs.000 to make the movie and it grossed $7. But if that was the only way. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying.Sacrifice Borrow.000 in sales. store or business. Was the sacrifice worth it? You’d need to ask him. Since then Spike Lee has produced at least 22 other films that have made over $433.000. She’s Gotta Have It. sacrifice is often a part of any success story. Yet. sleeping just a few hours a day. rigorous job to get where they want to go.100. Some work two and three shifts for years at a time. In 1986.
He had to sacrifice his nights and his only free time in order to get where he wanted to go. There were no shortcuts to success.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. at almost any cost. Pulitzer Prize winning political cartoonist. took a job as an insurance salesperson straight out of college. 184 . 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. Lifemoney Currency “Judge your success by what you had to give up to get it.” -Dali Lama Sacrificing for Success Mike Luckovich. 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.
But he stuck with it. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. 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.. Ideals are not cheap. He could have taken the easy route to avoid jail time. What do you have in your life now that is expendable. Jr. Goal Achievement Exercise W Take out your Workbook. and I can’t make up your mind for you.Sacrifice Martin Luther King. However. Choose one of your goals and write it out. I am committed to helping you get where you want to go. You have to be willing to do whatever it takes to claim them. $100 per month for a gym membership. For example. Below the goal you just wrote. and you will have to be ready to give it when the time comes. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. spent months in prison rather than surrender his belief in equal rights for all people. improving the lives of millions of people. your sacrifices could include six hours of your time each week for daily workouts. and/or enjoy that you are willing to part with in exchange for your goal. or he might have gotten discouraged and given up. List the tradeoffs you are willing to make to reach one of your goals. and giving up your weekly poker game to play tennis. etc. if becoming more physically fit is one of your goals.. or is your goal just a casual want? Only you know. They are costly and precious. 185 . have. list three things you now do. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return.
The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. When you get enough. One is given everything by rich parents who buy her everything she needs and most things she wants. you eagerly add a few dollars here and there to save up the needed amount. when you do reach your goals. 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. They’re both chasing the same dream: business success.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. they will mean the world to you because of what it cost to reach them. presenting it to your friend or loved one with a sense of tremendous accomplishment. 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.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. Whether it costs $20 or $200. You can view your goals in the same way. there would be no effort or cost attached—and they would mean very little. But after years of careful thought and unwavering perseverance. Which one do you think 186 . you proudly go out and purchase the gift. If you could just reach out and get them today. Imagine a scenario of two young women. But as we’ve seen that’s not always the case. Success has value because you have to work for it – you earn it.
or run into problems. Invest a certain amount of income toward reaching my goal(s). have a question.Sacrifice appreciates the success more? You know the answer. Put less important things on hold. money. 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.). Period. But no plan is complete without counting the cost of reaching your objectives. 187 . at least temporarily. volunteering. That cost is part of the joy of success. Develop a needed skill through a second job. In planning for your future. 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. Seek help when I get stumped. sweat and tears for something you’ll own it in a way that nobody else can appreciate. etc. you have already begun to outline some of the goals you hope to reach and have created a plan to get there. Get feedback from those who already have accomplished similar goals. • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. “anything worth having is worth working for. Why does she appreciate it more? It’s common sense that when you pour out your own blood. You’ve probably heard the saying. Are you ready to figure out what it will cost in time. or taking a class. write a book. Find the non-essential time-eaters in my life and eliminate them.” Do you feel that way about your road to success.
Underachievers live for the day and overachievers live for the future. too. 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. 188 . If you spend all you have.” -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. you will have enough for today and tomorrow. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. there will be nothing left. It’s a simple fact of life. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals. but less than twenty percent of the population do so. But if you save and invest it. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. The wealthy will have enough from current savings and investment plans.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it.
Do this exercise well and discover how much more you get done and how much better you feel.Sacrifice Delaying gratification is something you get used to. When you have successfully conquered the need for instant gratification. etc. or at the end of the month. which in the end brings it own kind of reward. When you think about it. Let’s build your ability to delay gratification. Instead. It might be go for a walk. List one or two tasks you will have to complete before you get your reward. All of these things take patience. Goal Achievement Exercise X Take out your Workbook. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. For example most of us don’t get paid for our work at the end of each day. go shopping. eat some ice cream. 189 . many areas of our lives undergo postponement. This might challenge you and be a little difficult. Then underneath each item you expect to give yourself today. list something you will get done before you have your fun. watch your favorite television program. every other week. In other words we’re doing it anyway. we collect paychecks every week. Often we don’t find out about a medical test result for several weeks. almost any achievement in the world will become immediately more achievable. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. Make sure that those things on your list are things you really want to do. List two or three fun things you want to do today. play tennis.
you can arrange for a direct deposit straight from your paycheck. say $25 per month. especially if you begin with a reasonable amount. and social activities. the results will come. so you will never miss the amount of each savings account deposit. then I can expect halfhearted results. Just do it. But actually.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. setting aside time for future rewards is like making deposits in a savings account. doing 190 . Finding time to work on long-range goals may seem impractical. I don’t do things half-heartedly.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. Most of us lead busy lives. Depending on what you hope to achieve someday. The same is true for working toward your future goals. pulling the trigger and going for it. We barely have enough time to get through a typical day with the demands of work. family. this could involve reading. and it may seem difficult at first to find enough extra income to make regular deposits. You may be reluctant to open a bank account. Start small. Because I know if I do. But with a little effort. Many goals that seem hard at first become easier once you get momentum established. So do it. 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. making community contacts.
Pull the trigger already. Whatever your goal. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. from the inside out. then you have to keep on doing the whole lot. 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.Sacrifice volunteer service. And keep pulling the trigger at each “next” level of achievement you’re taking. or volunteer as an aide to learn the ropes. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. that if you can’t tell which half. do it. Naturally. Sometimes it seems unfair. so pull the trigger now and get your show rolling. of course. 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. if you want to get involved in local government. Life is a bit like that. fully aware that not all of it will produce rewards. visit with your representative. you will be rewarded. this means you’ll have to give up something in exchange for this valuable daily time. But if you keep pulling the action and sacrifice trigger. For example. You put in 191 .’ but he didn’t know which half. None of those tasks took a long time – but each one was a step toward realizing a goal. Whatever it is you must give up. Remember that one of the keys to success is to learn everything about the role you want to play. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. Everyone has to pay their dues as they work. you may need to first attend some political rallies. keep in mind that you may have to work through several levels of effort to reach them. His point was.
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. but you’ll probably never know which efforts are being rewarded -. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. It’s a simple lesson that has never failed to produce great results for me. This is the shadowland of hope. Well. 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 then life isn’t. and others cruise it. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work. It reads: 192 . and anyone with a dream must learn to live there.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure. Your efforts will be rewarded eventually. I know it isn’t fair. You’re polite to people and everyone seems rude back.” This quote summarizes a great lesson I’ve learned throughout my successes.or for what -.Lifemoney loads of effort and get nothing back. you have to keep doing the 100% because you don’t know which bits will pay off. You work up a sweat.
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. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. At the climax of the movie. Instead. Sacrifice is sort of the dirty word of success. Good things don’t just happen to us. then he dies. having been mortally shot.” The emphasis is on the preparation. 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. 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. The good news is that if you’re in love with your dreams and want them so badly you can taste them.Sacrifice “I will study and get ready. the work doesn’t seem like work. Nobody wants to hear about effort and work and sweat. In the movie. In addition. What are you prepared to do? 193 . the whole process of success becomes easier. Maybe they should. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. one of Ness’s fellow agents. It’s not nearly as bad as you might think. if you build your Lifemoney. But show me someone who has achieved their dream without it. One of my favorite movies is The Untouchables. an Irish cop played by Sean Connery. Those people just don’t exist. 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. but they rarely do. we have to figure out which ones we want most. Are you prepared to follow this through. and then force ourselves to work hard for them.
to reach out and grab your future? Don’t spend the rest of your life wondering what might have been. and some require harder work than others. at almost any cost. In the end. focus on “what am I going to get in return?” Investments of time or money are long-term deals. 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.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. sacrifice pays off. Keep your eye on the prize and focus on what you’re going to get in return. But if you keep putting in the effort. But don’t dwell on the negative aspects of “what do I have to give up?” Instead.” -Wayne Gretzky 194 . Most do not pay off immediately. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in. Be prepared to give up more of what you have to get more of what you want. the payoff will eventually be seen. No one likes to sit around wondering what he or she has to give up as an investment in a dream.
_____ 4. giving yourself 10 points for each checkmark and 0 points for any left blank. I am prepared for life. and then tally your score. _____ 3.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. I am pulling the trigger on my talent today. _____ 5. _____ 9. I am willing to set aside less important activities to focus on my goal. I have calculated my goals’ financial costs and scheduling adjustments. I am willing to pay the cost that is required for me to meet my goals. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . _____ 1. _____ 6. _____ 2. ____ 10. I will put forth 100% effort at all times. I believe that planning for the future is as important as getting by today. _____ 8. I am learning to delay my gratification for both the present and the future. _____ 7. I have identified several things in my life that I must sacrifice for success. Some of my goals will require that I hang tough.
without experiencing anxiety. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results. tension or frustration. I mean the ability to sit back and relax while waiting for an outcome. not the destination. It is the ability to let go of the need for immediate gratification. By patience. 196 .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. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined.” -Don Williams. Yet our lessons come from the journey. 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.
relationships and personal growth when you lack patience. from impatience. which can be very destructive.this task has two many steps. When you force efforts. Accept that you don’t need to rush things ahead of their time and keep the belief that your day to day efforts will pay off in the long run. without which you are going to suffer. 5) If something doesn’t work immediately. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. There are many negative consequences on health. I’m going to move on to something else. When you stress yourself to create results too quickly. I have to be honest with you: I happen to be a very impatient person. But I am careful to differentiate urgency. How do I differentiate the two? A sense of urgency is a good and powerful 197 . 6) I just don’t know where to start . unhappiness and sometimes even anger.Enjoy the journey 2) I will never get to all the things I have to do. This can further result in losing important things like business relationships. you run the risk of anxiety. This is one of my personal flaws that I am working on. the results just won’t last long. you need to be patient and wait for your results. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say. jobs and friendships. It’s as if patience is a simple building block of satisfaction. 3) I can’t stop for even a second until I reach my goal. 4) I hate having to do or say something more than once. Gradual change and growth give you the greatest chances for success. which is a powerful force that gets things done.
If I’m not careful this can create impatience in me. This is a struggle for me as it might be for you. It’s a quality that helps me act quickly and get an enormous amount done. And this is probably true for you too. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. I’d brought on an investor to put up the money for the deal. and don’t let the things I can’t control stress me out. Based on where I was in the process and the faith that I had in my contacts in Mexico. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. But when urgency is applied to things I can’t change. 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. If I can’t change or alter a situation. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. 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. urgency turns damaging and can lead to senseless and sometimes destructive impatience. I have an unrealistic expectation of speed.Lifemoney tool. I need to clear it from my mind. 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. For example when I take on tasks that are really time consuming (this book for example). Mexico. I can’t control those timeframes. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. I told 198 .
I noticed that they had changed all of the terms of the deal. and patience was number one. It took all the Lifemoney lessons I talk about in this book to get me through this situation.6 million already invested in the equipment needed for this project.6 million dollars. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. 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 . Based on the trust that I had built with the investor on past dealings. $1. regroup and come up with a game plan. I wanted this deal done. Outraged by what transpired. When I sat down in my meeting and went over the paperwork that they had prepared.000 that was needed to get this project going. I immediately extended my trip from 2 days to a full week. I flew down to Mexico for my big meeting and to sign paperwork. So there I stood in Mexico. 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. he decided to partner with me and put up the $1. me not speaking a word of Spanish (or only enough to order dinner and maybe get directed to a bathroom) and no deal on the table. a partner who trusted me enough to put up that $1. I picked up my things and told the company I was meeting with that I would look over their new terms.600.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. What was I going to do now? Go home with no deal and give up? How could I tell my investor what happened? Was I going to start from scratch after all this work in putting together this deal? What I did was relax.
If 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. If I did not have the patience to stick this out. 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. Why? Because I was patient and focused on controlling what I could control. Do something fun and celebrate your incremental success. Focus on the results and not the task. I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. • Reward yourself for completing something difficult. I wound up getting an even better deal than I would have initially. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. I would have never completed this deal that wound up being a very successful project for me. Get preoccupied with another task until you have results from the first. 200 . I started making calls and finding out key contacts and setting up appointments. • Stay busy. reevaluate your objectives and make your goals more realistic for your needs.Lifemoney had met with. Look at the things you have accomplished to date. If your goals don’t seem to be on track.
Think of all the fun and excitement you will miss if you don’t savor every moment. In 5 years looking back at the issue. We need to count our blessings and enjoy what we do have and make the most of every day. 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. If you do. When I am having a bad day. Don’t take time for granted and let your life pass you by. For example. I find something to make me realize that it’s not as bad as I think it is. 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. Here’s a very personal technique I rely on to help me enjoy the daily journey. 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. before you know it. You need to live today like it was your last day and plan for tomorrow as if you were living forever. Chances are you will look 201 . You need to start enjoying a little everyday. you will wake up and have missed out on what life really has to offer. I’ll realize today is beautiful and I should appreciate my health. Who said life has to be hard? It is only tough if you make it tough. I open the window or take a walk outside and enjoy it. Are your problems really as serious as you think they are? I think about my problem and imagine how it will affect me 5 years from now. The 5 Year Test Another very effective technique I use is the 5 Year Test.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.
they seem unimportant. A good meal. Time moves faster than we all want to believe.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. a joke. list 2 problems that you are presently facing and put them through the 5 year test. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. Getting fired from a job? That may be a blessing in disguise. You will remember that in 5 years. 202 . In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. that when you look back on. it probably has no bearing on your life now at all.” Do you remember your first break up? No matter how sad you were at the time. Now. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. List 2 problems that you have had in the past. Don’t let one day pass you by without appreciating something that you may never have or see again. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. spending time with friends or family. A death in the family is terrible and needs grieving. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. so we need to make the most out of our time. or listening to good music should be enough to keep us going and to get us over daily disappointments.
" Morrie replies. talking with people. Morrie. a swim. "That’s it. lying there. dancing. 203 ." he is asked.how could he find perfection in such an average day?" Then I realized this was the whole point" (p. "It was so simple.Enjoy the journey In the best-selling book. And going home and having a wonderful sleep. Albom asked Morrie a question: "What if you had one day perfectly healthy .175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals.. unnoticed things we do all the time. at the end of the day what is truly important may be the simple. In a chapter entitled We Talk About The Perfect Day. Tuesdays With Morrie. After all these months. author Mitch Albom visited a former professor.. Don’t overlook the obvious in your quest for the brilliant. going out to a restaurant for supper. 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. So average. a walk in the midst of nature. I was actually a little disappointed. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. friends over for lunch.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea. unable to move a leg or a foot .
The people who succeed find reasons why they can do something. I think people are 204 . But I do agree that passion helps. It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated. better yet. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. there is always someone with less doing more than you. Think about the person who is working outside in the heat. the people who fail find excuses for why they can’t. Don’t make excuses find solutions and make it happen.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. 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 other words. Some people complain about going to work when they work in beautiful air conditioned offices. it won’t feel like work. I know successful people who are making it big in things they don’t care about.” -Brad Turk Appreciate what you have and don’t complain and make excuses. 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. In the process appreciate what you have and enjoy it.
If you can’t stand doing what you’re doing. Day after day. My suggestion is that if you have a good job for which you don’t feel a lot of passion. But what if your job is the last thing you feel passion for? What if you are one of those people who has to put up with an aggravating boss. then look hard to find something you’re passionate about and consider a career change now. Sometimes the ends do justify the means.” At least that’s the way I am. You can do that. 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. In fact. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. 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. 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. But whatever you do.and create some financial success that can free you.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. He hardly noticed the leaves turning colors outside his small window. Try to create an external world outside of your business that enables you to have fun. he locked himself into his attic office and plugged away. Then one day he 205 . writing one manuscript after another and firing them off to the publishers in hopes of being accepted. There is a story about a young man who wanted to become a famous writer. see your job as your vehicle to get you someplace else.
Again. Renew your energy.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. Don’t stop yourself from relaxing and recouping. As he got angry when she did not bring the mail at exactly 2 p. Walking through one room after another. If you are stiff and focused on a goal and have such blinders on 206 . Goal Achievement Exercise Z Take out your Workbook.” Ironically. in checking the mail. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. and have moved out. they were all empty of his family and furniture. found a publisher’s letter saying that his book would be published. now middle-aged. the object is to make your life enjoyable. But it had cost him far more than he had ever imagined. the man. the man went downstairs and was amazed by the quiet that filled his whole house. Better luck with your novel. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money. The moral of this story is that success by any means doesn’t always “mean” success.m. List 5 things that you are going to do to ensure that you are enjoying your journey through life. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to. Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets..
Enjoy the journey that you are letting life pass you by. If you’ve figured out what you’ll miss the most when you leave. because when you’re finally done and outta here. 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.” -Anonymous 207 . I want my rewards as I go along. It goes by both very fast and very slow. play hard. the small everyday things are the things you’re going to miss the most. and how to really enjoy the ride. Lifemoney Currency “Enjoy life. There’s plenty of time to be dead. you’ve gone a long way to deciding where to spend your free time. Patience and Enjoying the Journey Summary Life is funny. My motto is work hard. You need to have a balance. As life is moving by at warp speed we ask ourselves over and over again: How can I have the best life possible? It’s not an easy question to answer. I don’t want to miss out on life to get my reward someday in the future. Take the time to smell the roses.
_____ 10. I will not take for granted what I already have. Lifemoney Currency “Live today like it was your last day. _____ 4. I will have urgency in my work and patience waiting for my results.” -Brad Turk 208 . _____ 1. _____ 7. _____ 8. I will find something positive out of everyday. _____ 6. and then tally your score. _____ 3.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. I will take time to stop and smell the roses. I will break goals into pieces and patiently work on one piece at a time. _____ 9. I believe my day to day efforts will have an effect in the long run. and plan for tomorrow as if you were living forever. I will practice the 5 Year Test I will not stress over things I can’t control. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 2. I will take a break from time to time to rejuvenate and enjoy my life. I will not wait until it is too late to enjoy my life. _____ 5.
101 Affirmations 209 .
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