Lifemoney

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

By Self-made Millionaire Brad Turk

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

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Copyright (©) 2007 Brad Turk

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

let alone were successful at it. a lawsuit can result. It was validation that hard work could pay off.My Lifemoney material. In fact. My goal was to get noticed and possibly get someone interested in working with me. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. I knew 13 . This was pre-Eminem and not too many white people even listened to rap. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. co-sponsored by 98. I also tried to learn the business side of the industry. I sent in my tape. This is exactly how you build Lifemoney. I recognized the value of this attribute and stored it away for later. I kept working toward my goal of becoming a rap artist and trying to learn the business. you need to work in it. I was chosen as a semi-finalist out of 500 entrants. Although I didn’t win the contest. even when you’re going against the grain. Learning About Business In addition to finding some measure of success in the entertainment side of music. In 1991.7 Kiss FM in New York. I entered the Pepsi Rap Up the Summer Contest. A key lesson I learned was that if you want to understand an industry. I got a job as an intern (for no pay) working for PolyGram Records. Although no longer in existence they were one of the premiere labels at the time. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. In this world you have to take opportunity where it comes if it will help you achieve your goals. If the artist believes a later recording is similar to his or her music. even for free. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on.

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

but in reality there are very few people that make it big – and make the big money. I was finally seeing a dream come true. In 1994. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. 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. The music business seems glamorous. for more reasons than just getting airplay. It is a difficult business to really make money. But the truth is making money is hit or miss and is more often just smoke and mirrors. It didn’t stop there. PolyGram Records. full of rich stars and power players. I needed the sense of security that comes with a regular income and the knowledge that I would be able to pay the bills and live a comfortable lifestyle. It 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. Eventually it went to number 27. 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. which I did. That’s a hard truth to see from the outside. It was an exciting time. actualizing my goals and watching them come to life.” Next Plateau. 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. You see – I already understood that making money was a priority for me – an important goal. But like 15 . Money provides those things. While I enjoyed working in the music industry.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences.

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

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

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

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

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

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

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

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

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. has never cracked the seven figure mark and.and though totally different from one another they illustrate what I mean by defining your own success. John. My first friend. pure and simple. two very different types of success stories. Success is never a game of chance and begins with clearly deciding what you are going to make happen. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. In this lesson I want to show you the importance of deciding for yourself what success means to you. Still. some might consider him rich 24 . as far as I know. is in no danger of cracking it anytime soon. These are the stories of two friends of mine – John and Steve .

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

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

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

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

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

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

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

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

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

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

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

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

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

but it always starts with YOU. In my mind. 38 .” by exploring who you were to determine who you are and clarify who you want to become.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. In Lifemoney Lesson # 2. It’s a journey that may veer off in a thousand different directions before finally coming to fruition. great moves. “Defining Success. I expect to make great plays. you will build on the first lesson of this book. 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.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success.

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

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

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

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

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

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

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

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

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. For instance. Now write down a few of your weak areas. even deciding how to invest the extra money you’ll be making. 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 can have the best intentions in the world when interviewing for a new job. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. or not taking shortcuts on a project. You also can add things about your character that could benefit from improvement. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. like being able to say “no” when you don’t want to do something. These could include personality drawbacks. like shyness or arrogance.Knowing Yourself Goal Achievement Exercise D Take out your Workbook.

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

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

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

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

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

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

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

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

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

Knowing Yourself

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

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Lifemoney

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

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

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

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Overcoming Obstacles

Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Tools for Success

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

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Lifemoney

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

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

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

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

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

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

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

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

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

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

For that reason. or even minor. and effort? What must I give up in order to make this work? How will this choice bring me closer to my long-term goal? Will this decision prove worthwhile in the future? Lifemoney Currency “A particular shot or way of moving the ball can be a player's personal signature. get in the habit of asking questions like these before making major. decisions: • • • • How much will this cost in terms of money.Lifemoney toward your goals than others. In order to focus and spend your time more efficiently.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. I want you to realize a few things about time and think about ways you can use your time more efficiently. 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. To better manage your time and utilize your time more efficiently. but efficiency of performance is what wins the game for the team. consider making changes like these to enjoy life now while working toward a better one for the future: 1. time. Using time efficiently is a huge obstacle for many people who are would be success stories. Ride your bike to work to relax and get some exercise. 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 . especially future goals.

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

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

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

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

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

517.500 defective personal computers will be shipped this year 2.200 gallons of coffee assumed to be caffeinated will turn out to be decaf but consumed nonetheless in just one tax firm during the 1991 tax season • • • 103.200 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 . 1. I saw him) to a few months later running 26. You have no choice really. because a 99.260 income tax returns will be processed incorrectly this year 2. give 100%.9% effort were given.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268.2 miles. Here’s a breakdown of how things might look if only 99. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation.000 checks will be deducted from wrong bank accounts in the next 60 minutes. 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.488. Follow through. He set a goal and did not stop until he reached it.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.200 books will be shipped in the next 12 months with the wrong cover 5. 22.9% effort will not get you where you want to go. Daddy's House Social Programs and the public schools of New York City. He went from hanging out and drinking at clubs (I know. Go big or go home. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine.

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. Jamie could have easily walked away. Jamie was already a 97 .500 mismatched pairs of shoes will be shipped this year $761.690 will be spent today. saying Oliver Stone didn’t know what he was talking about. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20. wanted nothing to do with Jamie. often unsafe.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9. He even went so far as to tell Jamie that he “would not waste one inch of film on him.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18.000 incorrect drug prescriptions will be written in the next 12 months 114. Do You Have the Pit Bull Mentality? I think another illustration of how successful people stay committed to what they want is when the actor/comedian Jamie Foxx auditioned for the role of Willie Beamen in the classic movie about pro football. tomorrow. Any Given Sunday.Tools for Success • 3. Oliver Stone. The director. next Thursday and every day in the future on defective.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880.” He did not believe Jamie could pull off the part.

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

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

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

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

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

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

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

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

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. Outcome I will enjoy my golf game more and feel a sense of accomplishment. I will surf Internet for local golf pros.Lifemoney Goal: Become a Scratch Golfer In Two Years Date January Week #1 January Week #2 January Week #3 January Week #4 Practice indoors during bad weather for an hour per week. For instance. to work toward your goal. Call for subscription to Golf Digest. Some weeks. Year-round practice will improve my skills. Check yellow pages for indoor putting green. 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. 106 . and equipment of golf. Action Step I will take 2 hours during the first week of this month to write out my plan. by the way. keeping a grid like this one will show at a glance what you are doing. Learn terms. will be spent revisiting an earlier action step. When you go back and check your grid periodically. Read one golf magazine article per week to learn more. I will make the time to sign up for lessons and commit an hour a week to practice. and how often. I will get expert help and assessment. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. Enjoy the thrill of getting better. pros. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

134

Creativity

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

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

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

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

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

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

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

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

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

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

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

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

Liz. My girlfriend. 142 . She is good at her job and has been with the same company for over 10 years. it appeared that I would be buying a $200. 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. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. She envied my work schedule and the fact that I could arrange my days as I saw fit. Anybody can see what’s obvious but only a few can see potential. By shifting perspective. 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.000 co-op for $175.Lifemoney was a wreck and was on the market for so long. Most people who walked in there did not see the value of the place and could not picture what the place could look like. So try! It is a valuable lifemoney skill that can translate into big cash money.000 and after spending $25. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open.000.000.000 down to $150.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. Although Liz was happy with the money she made and her success in what she did. How? We were able to get the price from $165. Creativity Factor #4: Ask big There is huge power in learning to ask big. does medical billing and is the office manager for a doctor’s office. David helped me to see the real value of that deal. You can do this in your own life. 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

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

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

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

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

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

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Engage your creativity now by taking stock of your situation. Make the time. _____ 2. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. _____ 5. 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. Don’t let yours go to waste. 147 . I seek out new perspectives to old problems.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. I have objects around me that symbolize the success I seek. 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. but seeing what’s not there. and invest the energy in some creative thinking about going after the things you want. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. and then figure your score. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. _____ 3.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. _____ 4. Take the time to evaluate your situation and try a creative approach. Remember that one of the most important aspects of creativity isn’t seeing what’s there.

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

For almost any goal you may have. professional and powerful way will not only aid you in achieving your objectives. 149 .People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. getting others involved will be a major key to your success. if people get better at these people skills. but it should make your life experience more rewarding as well. 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. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. 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. Using people skills in a competent. So learning to interface with other people is vital to realizing your goals.

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

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

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

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

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

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

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

nice meeting you. One idea is to repeat the person’s name out loud a few times during the introduction. the value of the proposed deal. But if they look like they’re very tired and sad. Brian. For instance. Let’s say for example that I need help with financing a business deal that’s important to me. it’s easy. Brian. but I will stress what’s in it for them: a great rate of return. 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. the intangible benefits of having their name 157 . they will be interested in helping you in exchange. “glad Brad. Where do you work? Is that right? Sounds interesting. Again.” Another popular technique is to associate their name with something visually unusual. “Nice to meet you.” You get the idea. 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. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. If their name is “Brad” and they look like Brad Pitt. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. you might think “sad Brad” or if they look happy. Let’s talk about that sometime.People I would suggest you develop a system that helps you put greater effort into this huge priority. These little tricks work amazingly well and are well worth the time it takes to practice them.

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

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

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

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

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

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

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

” -Brad Turk 165 . _____ 5.People Millionaire’s Checklist: Check all the items below that you agree with. eventually. _____ 8. _____ 6. I don’t whine. I try to stay calm and avoid arguments. and then tally your score. _____ 10. I always remember the “what’s in it for me” rule. 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. A huge part of receiving is giving. _____ 7. and I often make efforts to give without expectation of receiving anything _____ 4. I make efforts to express appreciation and good manners to others. 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. you WILL know-how. I am learning to be a good listener. _____ 9. I am taking an active interest in people _____ 3. although I can politely disagree. _____ 2. I keep to my word.

This talks about some of the things I’ve found useful in creating a positive mind. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction. 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 .Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones.” -Willie Nelson Overview Someone once said. you'll start having positive results. a well maintained attitude and a “no excuses” outlook. whether you believe you will or you won’t – you’re probably right. What you believe you’re going to get in life is pretty much what you’re going to get.

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

But it all begins with your outlook and your willingness to do what it takes to get out of the rut and mentally move in the direction of the finish line. It’s not what you have but how you perceive things that really counts. 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. what you attract into your life and your ultimate success. focus on what you can do. 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. do.Lifemoney I stayed away from her negativity and did not associate too much with her. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. I heard a few years later that she had attempted suicide. So don’t worry about what you can’t do. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. “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. Though you have no control over the actions of others. Maybe you come from a family with many losers and too few winners. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. and say. 168 . You might feel as though you are destined to continue the long line of defeat. But you may also have skills and opportunities for turning the game around and coming out a champ if you will only take the time to believe in who you are and who you will become if you reach your goals.

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

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

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

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

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

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

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

This relationship is going nowhere. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. Everyone faces down times. 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. Without those first small steps there could be no end result worth noting. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. 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. lack of feedback can lead to negative thinking. Unless you’re prepared to wait. 176 . Stay positive by remembering that lesser. Think of it this way: you’re going to have to spend the day in some way. The way to get over them is to keep it moving until something positive does happen. It’s time for a change.Lifemoney getting a reply. 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. 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. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. She’s probably like all the others. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. why not be positive.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

” -Wayne Gretzky 194 . Most do not pay off immediately. Only you can decide what you are willing to give up in reaching your goals. at almost any cost. No one likes to sit around wondering what he or she has to give up as an investment in a dream. 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. 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. the payoff will eventually be seen.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. focus on “what am I going to get in return?” Investments of time or money are long-term deals. 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. 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. In the end.

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

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

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

Mexico. and don’t let the things I can’t control stress me out. I need to clear it from my mind. urgency turns damaging and can lead to senseless and sometimes destructive impatience. But when urgency is applied to things I can’t change. I have an unrealistic expectation of speed. I told 198 . 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. If I can’t change or alter a situation. If I’m not careful this can create impatience in me.Lifemoney tool. And this is probably true for you too. It seemed as if I had finally worked out all of the points (including the pricing) and that all that was to go to Mexico and sign contracts. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. This is a struggle for me as it might be for you. 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. I’d brought on an investor to put up the money for the deal. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. It’s a quality that helps me act quickly and get an enormous amount done. How do you and I remain urgent without dying from impatience and anxiety? The big lesson I’ve learned is to focus on controlling what I can control. I can’t control those timeframes. For example when I take on tasks that are really time consuming (this book for example).

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

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

I open the window or take a walk outside and enjoy it. I find something to make me realize that it’s not as bad as I think it is. You need to live today like it was your last day and plan for tomorrow as if you were living forever. The 5 Year Test Another very effective technique I use is the 5 Year Test. Who said life has to be hard? It is only tough if you make it tough. I’ll realize today is beautiful and I should appreciate my health. 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.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. We need to count our blessings and enjoy what we do have and make the most of every day. 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. Don’t take time for granted and let your life pass you by. I’ll think back to a time that I was sick in bed just wishing to be healthy to be able to be outside and enjoy a beautiful day. If you do. When I am having a bad day. before you know it. Think of all the fun and excitement you will miss if you don’t savor every moment. Are your problems really as serious as you think they are? I think about my problem and imagine how it will affect me 5 years from now. In 5 years looking back at the issue. 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. For example. Here’s a very personal technique I rely on to help me enjoy the daily journey.

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. You will remember that in 5 years. Now. list 2 problems that you are presently facing and put them through the 5 year test. so we need to make the most out of our time. 202 .” Do you remember your first break up? No matter how sad you were at the time. spending time with friends or family. it probably has no bearing on your life now at all. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. Time moves faster than we all want to believe. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. Getting fired from a job? That may be a blessing in disguise. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. a joke. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. A death in the family is terrible and needs grieving. they seem unimportant. that when you look back on. or listening to good music should be enough to keep us going and to get us over daily disappointments. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. A good meal.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me.

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

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

Try to create an external world outside of your business that enables you to have fun. If you can’t stand doing what you’re doing. see your job as your vehicle to get you someplace else. You can do that.” At least that’s the way I am. But whatever you do. He hardly noticed the leaves turning colors outside his small window. 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. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. Then one day he 205 . 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. 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. Day after day. Sometimes the ends do justify the means. be stimulated and enjoy life….Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. 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. There is a story about a young man who wanted to become a famous writer. In fact. writing one manuscript after another and firing them off to the publishers in hopes of being accepted. My suggestion is that if you have a good job for which you don’t feel a lot of passion. then look hard to find something you’re passionate about and consider a career change now.and create some financial success that can free you. he locked himself into his attic office and plugged away.

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

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

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

101 Affirmations 209 .

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