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The Proven System for Creating the Money You NEED for the Life You WANT
By Self-made Millionaire Brad Turk
life·mon·ey (n): the non-monetary currency needed to attain success and develop wealth and personal satisfaction
Copyright (©) 2007 Brad Turk
All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or any other means electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of the publisher.
This book is dedicated to all those success stories that were earned through a smart plan, hard work and dedication. To the underdog that went beyond what they imagined they could achieve by never giving up. To those that are on the road to accomplish this success, are committed to their cause and will not be sidetracked....
...........27 Find the “U” in “SUCCESS” ....................42 Goal Achievement Exercise C ....................................................41 Goal Achievement Exercise B ..................................................................................................Find More..................................................17 Global Business Solutions.............................................39 Don’t Be a Stranger (To Yourself).............................23 Lifemoney Lesson # 1: Defining Success..........................................................................51 Make Less ........................................................................................................................38 Sometimes It’s Better to Strike Out ............21 …You Can Do It.................. Inc..................................................................... Inc.............................................18 Heat Wave Tanning..46 Goal Achievement Exercise D.............................................................. ......... Not Cash) ................................................................................ 6 Overview.............................................................................................................................................................................15 This Was Only the Beginning ........................................................com ..........................................13 Getting Focused.......................................................24 Overview..........Table of Contents Introduction: Millionaire by 30.......................................6 My Early Years .........................................48 Buy Stock in Yourself ........ Inc...........36 Millionaire’s Checklist: ............................................................ Anyway? ............................................................................................................................................................................................................................................................11 Learning About Business...................................................................................................47 Get Rid of It! ........................52 A Fish Story .......................................................................................................................................................................................................39 Who are you? ......................................................................................................................................................9 Looking for Motivation .............................. Retired by 35: What Lifemoney Means to Me............................................................................6 If I can do it… ....................................................................................................................................................................................................................... .............28 WHOSE Dream Is It........................................56 v ..................................53 Can You Dunk?.................................10 Knowing Myself..........33 You Are in Control............................................................................................................8 Persistence Pays Off ................................................................... Too!.....19 Self Made Records...................................................................................................................................................................34 Defining Success Summary ....24 Want to Succeed? Sleep Late!.....................................................................................................................................................................................38 Overview................................................32 Win Life’s Lotto (Real Wealth is Measured by Achievement.............................................................................................................................................................44 What Are Your Limitations?...........................................................................31 Goal Achievement Exercise A.......................................................................................................................................................................................................................................................50 Goal Achievement Exercise E ............................................................................................................................... 1 My Lifemoney ...37 Lifemoney Lesson # 2: Knowing Yourself . / MyMusicSite...............................................24 Success on Your Terms ................
.................................. 114 Millionaire’s Checklist: ............................................................................................................................................................................................................................................................................................................................................................................................................................................. 101 Progress Report ..........................................................................57 Millionaire’s Checklist: ...........................................................................................72 Goal-Setting and Overcoming Obstacles Summary.....................................63 Timelines ....... 118 vi ....................................................................................................................81 Tool #1: Focus .......................98 Millionaire’s Checklist: .................................................................... 101 Don’t forget the map! .66 Goal Achievement Exercise I .......................................................................................................................................................................................................................................................................K…...................................................................... 103 Goal Achievement Exercise M ..............................................................................................................................................................................88 Goal Achievement Exercise L ............................................95 Gathering the Tools for Success Summary...................................................................................................................................85 Tool #3: Efficiency ......................................71 Three Huge Obstacles......................................................101 Overview.................................................................................................................................. 110 Goal Achievement Exercise N........59 Overview.....................................................................79 Millionaire’s Checklist: .....Knowing Yourself Summary ..................................................................................................................................................................61 Establishing Action Steps .................. 116 MacGyver It!................................................................................................................................................................................................................................................. 100 Lifemoney Lesson # 5: Evaluating Your Progress ................................................................................................. 116 Can’t Get a Job? Buy the Company! .............................................89 Tool #4: Priorities......................................................................................................................................... 115 Lifemoney Lesson # 6: Resourcefulness......................84 Tool #2: Time Management .....................................................................................61 Goal Achievement Exercise F ............................................................................................................................................................................................................. 111 Evaluating Your Progress Summary ....................................................................................... 107 O.........63 Goal Achievement Exercise G................................................................59 Step Up ......................................................................67 Nothing Can Stop Me Now…...................................................... 105 Maintaining Your Course ............................................................................64 Goal Achievement Exercise H.................................................83 Goal Achievement Exercise K.............................................69 Goal Achievement Exercise J .....................................................................................................................................................What If You’re Way Off Track?....................................................................................70 Goal: To pilot my own airplane ....58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles............................................81 A Successful Person’s Tool Belt ......................................................................................................92 Tool #5: Do or Die Trying Commitment........79 Lifemoney Lesson # 4: Gathering the Tools for Success...................................................................65 Write It Down .........................................60 Start by Writing a Goal..81 Overview..........................................116 Overview......................................................................59 A Quick Review .............................
............................... 169 Goal Achievement Exercise T ...................................... 174 Worst Case ................................................................................................................................ 177 Goal Achievement Exercise V.................................................................................182 Overview.................................................................................................................................................. 128 Goal Achievement Exercise P .................. Go into Debt and Max Out Your Credit Cards ...................................... 164 Millionaire’s Checklist: ..................................................................................................................................................................... 127 Find An Expert ..................................................................... 137 Millionaire’s Checklist: .......................................................... 181 Lifemoney Lesson # 10: Sacrifice ............................................... 195 vii ............................166 Overview..................................................... 166 Where’s Your Head At? ...................................................................................................................... 178 Positively Thinking Summary ....... 185 Goal Achievement Exercise X........................................................................................................................................................................................................................................................................... 167 Change the Mental Channel.......................................................................................................................................................................................................................................... 133 Goal Achievement Exercise Q......... 189 Sacrifice Summary ........................... Do It! ..................................................................................................................................... 194 Millionaire’s Checklist: ................................................................... See It.................................................................................. 175 Keep It Moving ....... 176 Create a Repeatable Success Thought .............. 131 Millionaire’s Checklist: .............................................................................................. 171 Goal Achievement Exercise U.......... 173 The Key to Success? Live Out Of Your Car......................................................................................................................................... 135 Dream It. 170 Don’t Complain ...................................................................... 175 Eliminate Negative Self-Talk............................ 152 12 Steps for Power with People Summary ..................................... 151 Turk’s 12-Step Plan for Bridge Building.................................................. 179 Millionaire’s Checklist: .......................................................... 135 Goal Achievement Exercise R .............................................................................................................................................................................Best Case.........................................................................................................................Keep Looking ..................Fix It ................. 130 Resourcefulness Summary..................................... 184 Goal Achievement Exercise W .......................... 147 Lifemoney Lesson # 8: 12 Steps for Power with People................ 149 Sharpen Your People Skills ................................................................................................................................................You’ll Find It ......................................................................................................................... 182 Borrow...................................................................................................................................................................................................................... 125 Goal Achievement Exercise O...................... 165 Lifemoney Lesson # 9: Positively Thinking ..............................................................................149 Overview......................................................................................................................................... 149 Goal Achievement Exercise S ...................... 137 Five Creativity Factors ...................................... 183 Sacrificing for Success .........................................................133 Overview.................................................... 132 Lifemoney Lesson # 7: Creativity ............................................................................................................ 166 The Multi-Millionaire Blues .............................................................................. 122 There’s No Need To Grow Up.................................................... 133 A Lesson From Trump ..
................................................................................................ 207 Millionaire’s Checklist: ..................................................... 201 The 5 Year Test ............. 202 GOAL (Go Out And Live)................................................................................................................................................................196 Overview........ 202 Seek Happiness in Simplicity .............................................................................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey .................................................................................................................................................................. 196 Doing Time ........................................... 204 Goal Achievement Exercise Z ............. 201 Goal Achievement Exercise Y.............................................................................................................................................................................. 206 Patience and Enjoying the Journey Summary................................................. 208 viii .................................................................................................... 196 Mañana .... 198 So what should you do to be more patient? .................................... 200 Enjoy the Journey.............................................................................................................................
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. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first. 1 . Lifemoney will help you understand what success really means and teach you how to attain it. not money. Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how. it’s at what income. new entrepreneurs perfectly – but can be adopted at any age.Introduction: Millionaire by 30.” -George Foreman Life comes first.
Part self-help. be it a million dollars. yet most people don’t use the correct tools to get what they want. For example. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. 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. a new job or just a raise or promotion in your current job. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 .000 a year or $2.000 in quarterly bonuses. we’ve finally got our priorities straight: We go after what we really want! You don’t have to be a celebrity – or even a millionaire – to feel successful and enjoy an intense and satisfying feeling of self-worth and accomplishment. a new home. part financial management. it’s not the job that I feel is prestigious that matters. Imagine having the task of hammering a nail. it’s the job that makes you happy on a daily basis or brings you closer to your goals.400.One of the most unique features of Lifemoney is that it’s entirely personal. In this book. Would you use your shoe? Would it work? Possibly. 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. If it’s career happiness you’re looking for. It could be $240 a week or $240. part how-to. it’s the dollar figure you define. if it’s money that you’re after. 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.
Instead of concentrating solely on the financial aspects of making your first million. The exercises in the book 3 . Lifemoney will give you a blueprint for success in all facets of life. My schedule and time belong to me and I do what I want with my days. not just financial. along with real-life examples you can use to plot your course for success. It offers a set of tools. Through my interactions with many successful and famous people (some recording artists. used them for my own personal success. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. Whether you are looking to be the next pop star or the perfect housewife. and want to share them with you. I have been fortunate enough to learn that most successful people share a lot of the same attributes. 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. etc. Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . I am living the life that I want to live. My definition of success is simple: Accomplishing what you set out to do. If you learn these lessons – and actually follow them – you can and will succeed. But more importantly.). there are common qualities. let alone both? I was a millionaire before the age of 30 and retired soon after. some executives. characteristics and personality traits that you will need to get you there.My Lifemoney WANT. This book will show you what those characteristics are. So who is Brad Turk and why am I qualified to write a book about life or money.most of whom happen to be multimillionaires.
will help you discover those personality traits within yourself and develop a plan for using those traits effectively. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. see what works for you and. In this book. prioritize and manage time Learning the value of determination and commitment in attaining goals • • • • • • Learning how to evaluate progress and welcome criticism Learning how to be resourceful when overcoming obstacles Learning how to deal with people effectively Learning how to use creativity to get more out of life Using the power of positive thinking Learning to sacrifice some of what you have to get more of what you want • Being patient and enjoying the journey Lifemoney is designed to walk you through each of these attributes. you’ll find ways of: • • • • • Understanding what success means to YOU Matching what you want with your abilities Learning to go after goals by setting specific tasks with timelines Learning how to focus. 4 . as a result be able to adopt them to fit your needs to reach your goals and attain the success you’ve always been looking for. While reading Lifemoney you will become familiar with these attributes.
The higher your score – the higher your Lifemoney skill level. Everyone needs some kind of stimulation and/or support to keep their spirits alive.bradturk. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. Clearly. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement. there is more to life than money but you just can’t live in this world without money.bradturk. What’s the answer? Lifemoney.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs. 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. 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. 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. Repeat these affirmations to yourself when you need a quick boost.com. 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. This checklist will help you quickly see if you are developing the skills that were discussed in that lesson.com (Code: naNtZB). 5 . list and track your progress.
I’ve found the American dream and retired early. entertainment field and having a 6 . If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. I achieved personal and financial success through various ventures in the telecommunications industry. business owner and entrepreneur. actor.Lifemoney My Lifemoney “It’s never too early…to make your first million.” -Brad Turk Overview I want to take just a few pages to introduce myself. Through experiences as diverse as being a break dancer. Over the course of my very short professional life I’ve achieved the American dream: I’m young. rich and retired. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself. salesman.
That’s what Lifemoney is all about. adapting the rules of success to your personal situation. Instead. Give someone a fish and they eat for a day. All the successful people I discuss throughout this book including Warren Buffett. 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. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. It’s not that hard really. I did not strike it rich in the dot. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success.My Lifemoney retail tanning salon. boat and everything you’ll need for a life of accomplishment and success.com arena or hit the lottery. Think of the old story about giving someone a fish or teaching them how to fish. I am going to share just a little bit of my personal history first because I know myself that to trust someone I need to know a bit more about their background – what has formed them into the person they have become. You’ll never need to go hungry again. Consider these lessons to be the fishing rod. 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. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. whether it was through direct interaction with a mentor or learning from other sources. Not all of these successes share the exact same 7 . teach them how to fish and they eat for the rest of their lives. These lessons can be learned by anyone. Diddy and even myself have been “taught how to fish” at some point in their lives. and if you’re willing to be my student for just a short time I can show you how.
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 neighbors. and by the way. but they usually have a lot of similarities. You can always come back to me later). I relate this in the hopes that you too can see similar possibilities for learning in your life and understand that you can acquire the tools that are needed to be successful. and no money. The move brought my working mother closer to her jobs and me closer to seeing what life could be like on the other side of the tracks. best of all. new opportunities. New York. and she was a tremendous teacher. My Early Years I began life in the Pomonok public housing projects in Flushing. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. Mom didn’t let it stop her. I got heavily into break dancing. There were new surroundings. New York. I won’t be insulted. new friends and. if you don’t care about me and want to jump right into Lifemoney Lesson #1 and see what YOU need to do to be successful. It was a much nicer neighborhood. (Oh.Lifemoney attributes. She kept right on plugging away with her 3 jobs. When I got to junior high. though. In addition. my mom and I had moved to Forest Hills. That’s where I first learned about work ethic. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . rapping and acting. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. I learned these lessons by reading books of successful people and from my peers. By the time I was in fifth grade.
Most emphasized the boldface message “not to be called or visited. as you can imagine. Since my working mom didn’t get home until late I would go alone by train. which listed talent agents. a huge child actor of the time 9 . and I began going into the city (New York) for auditions to try breaking into the business. Persistence Pays Off To make it in the acting field you need an agent. But the first rule of success I learned was to work around your obstacles. To follow my dream I had to overcome several obstacles. In fact. as well as how to contact them. dealing with people. Actually. not succumb to them. I’ve always been a hustler. Frustrated by the lack of response. a renowned child talent group. This is when I first began to learn about the value of persistence.” The do-not-call rule was strongly enforced.My Lifemoney industry. I decided not to sit around and wait for something to happen. The first agency I visited was Schuller Talent. not easy. They represented such actors as Emanuel (Webster) Luis. For starters. I followed directions exactly and sent my headshot along with a resume to one hundred agents. I bought a reference book called The Ross Report. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. 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. the only way to contact agents was to send query letters with photos and resumes. Finding an agent to represent my efforts was. and thinking outside the box. I sent the package out to the same agents two times but didn’t get one response either time.
I often skipped classes. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. going out near the door where the other woman had been listening. I barely 10 . Had I continued to wait for calls that never came. I might not be where I am today. I thought that she was listening to what was going on. She followed me out and introduced herself as “Davina.” the agent in charge of the group that I wanted to join. Not surprisingly. and when I did show up I didn’t pay much attention. and signed with Schuller for representation. Looking for Motivation Unfortunately. and found the success I was seeking. 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. I set out to get answers to my questions. As a result. I told her I just wanted to make sure it got into the correct person’s hands.Lifemoney and Danny Pintauro. From the corner of my eye I noticed a woman standing in the doorway. After thanking the secretary. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. I didn’t do very well in high school. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. I continued my conversation with the secretary. Hanging out with my friends and social activities seemed more important. But taking the initiative. auditioned. She must have seen something about me she liked – I think it must have been my persistence – and she asked me to come back and audition for her. I turned to leave. I returned the following week.
I decided I didn’t want to end up stuck with no way out. After getting in. The only thing to be decided was how I would get where I wanted to go. I applied for a double major in business and theater and. 11 . I realized that my next job was staying in. 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. using my acting resume. The following semester I got a 3. But he and my mother told me that they would only support me if I did well the first semester. 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. For these reasons.88 grade point that term. My father had resurfaced in my life to pay for college. they explained. I got accepted. And. I changed my habits and learned how to be a student. Knowing Myself In time I would become a very successful entrepreneur.My Lifemoney made it through. and was eventually inducted into the Phi Eta Sigma national honor society. Through hard work. I had a hard time getting into college. With this pressure from my parents. I learned early on that being a struggling actor was not for me. If I was going to “screw up” like I did in high school. they didn’t want to pay for it. I was looking to make a lot of money and enjoy nice things. the odds are severely stacked against huge financial success. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. Although you can make a good income from acting.92. It was a great lesson: Not all of success is flashy and easy.
I sent out many demos to try and get people interested. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. From my break dancing and rapping days I had always kicked around the idea of being in the hip-hop industry as a rap artist. I could see the moment in that restaurant as a turning point. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. When it came to making money. As with my junior high acting days. the music industry does not often accept unsolicited 12 . He answered. It was a real education. When he only ordered soup. as with acting. So I took a different route and it has paid off for me. Today he’s a successful actor who can go anywhere and order anything he wants. I still had some entertaining left in my system. But his limited income made it clear to me that this was something I did not want to do. That could have happened for me but I knew in my heart it wasn’t MY reality. Looking back. I knew myself and knew movie stardom wasn’t the right route at that time. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. But.Lifemoney I remember meeting a good friend of mine. I wanted more of a sure thing than acting. “It’s cheap and it fills me up. But before I fully ventured into business.” I bought his lunch that day. For him. for lunch one day. I asked him if he was going to order anything else. the sacrifice has paid off. a struggling actor. I spent the last years of high school and beginning years of college working toward that goal.
I was chosen as a semi-finalist out of 500 entrants.My Lifemoney material. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. I entered the Pepsi Rap Up the Summer Contest. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. I kept working toward my goal of becoming a rap artist and trying to learn the business.7 Kiss FM in New York. This was pre-Eminem and not too many white people even listened to rap. I also tried to learn the business side of the industry. 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 recognized the value of this attribute and stored it away for later. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. I knew 13 . It was validation that hard work could pay off. If the artist believes a later recording is similar to his or her music. In fact. This is exactly how you build Lifemoney. you need to work in it. I sent in my tape. In 1991. co-sponsored by 98. Learning About Business In addition to finding some measure of success in the entertainment side of music. let alone were successful at it. Although I didn’t win the contest. even when you’re going against the grain. My goal was to get noticed and possibly get someone interested in working with me. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. A key lesson I learned was that if you want to understand an industry. a lawsuit can result. In this world you have to take opportunity where it comes if it will help you achieve your goals. even for free.
“I just want to get my foot in the door. If you want to learn a business. a recording label. The following year I released “That’s Evil Man” on ZOO Entertainment. BMG. For example my rap name was “Sneak.” along with my demo tape. It worked. It paid off. You might find it’s not what you expected it to be. picked me up and got me signed to BMG for distribution. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. But it’s all valuable. both the stars . 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. I figured if I sent a package. and access is one of them. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . volunteer for a campaign or move to DC. Basement Records.the talent . 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. if you want to someday own a bar you should work at a few for a while to learn the business. It was one of my earliest stabs at being resourceful. There are more important things than money in this world. If you want to work in politics. Door after door was being closed to me. For example. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. agents and managers.” I once sent a sneaker in a box to a record label with the note. mixers.and the men and women behind the talent the producers. And always be resourceful. learn it from the ground up.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. It’s important to understand what you are getting into before you are knee deep. my targets would be curious enough to open it rather than throwing it away.
I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences.” Next Plateau. You see – I already understood that making money was a priority for me – an important goal. That’s a hard truth to see from the outside. But like 15 . PolyGram Records.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. for more reasons than just getting airplay. It was pretty exciting to walk into a record store and see my CD for sale and have friends call telling me they were hearing it played on the radio. It is a difficult business to really make money. full of rich stars and power players. which I did. It didn’t stop there. actualizing my goals and watching them come to life. In 1994. I decided since making money was a priority that it would be easier to make money in another industry and that I could always return to the music world later. Getting Focused Looking back on it now I can see all the stair steps that were being put into place for my ascent to success in telecommunications and various other ventures. but in reality there are very few people that make it big – and make the big money. The music business seems glamorous. While I enjoyed working in the music industry. I was finally seeing a dream come true. It was an exciting time. Eventually it went to number 27. But the truth is making money is hit or miss and is more often just smoke and mirrors. I needed the sense of security that comes with a regular income and the knowledge that I would be able to pay the bills and live a comfortable lifestyle. I was concerned that I might not make the money I was looking to make – and I thought I might be able to make it easier somewhere else. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. Money provides those things.
Becoming successful. Also. The branch owner wanted to train me to sell life insurance. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. 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. After leaving college. the branch focused on selling long-term care and retirement planning. so I pursued this opportunity. I decided to take my hustling a step further. I decided to 16 . and could not fully understand or relate to getting life insurance for protection for other family members. Not to sound conceited. I figured if I spent more time on my part-time real estate job. I understood the insurance office management job completely. I decided to make business decisions that would bring me closer to where I wanted to be. I saw that real estate was more suited to my personal goals at the time. I was interested in sales. 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 could make even more money. I did not have a wife or family. In addition. but it was apparent that I was a tremendous asset. For one thing. Unfortunately. And guess what? I started making more money working part-time than at my day job. I went so far as to get licensed to sell life insurance. 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.Lifemoney most young people I didn’t understand what was going on. How did I do that? I started selling real estate at night. I took over a job for a friend as an office manager for a life insurance company.
For example. 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. and I went from initially working five days a week to just one day per week. my gamble worked! Eventually. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. at the same pay.” It was a risk to leave the security of a full-time job. You never know what people are willing to do – or what you can accomplish – until you try. But my education was just beginning. He reluctantly agreed on a test basis. I also promised him that the quality of the work would not change. This would permit me to have two more days to sell real estate.My Lifemoney leverage all that. You never know if someone will say yes or no to a question until you ask the question. I began to learn about the importance of defining success for myself. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly. instead of just quitting I told him I could do the work in one day that I had been doing in three. I was putting those early Lifemoney skills into play and getting the same amount of work done in three days as I had done before in five. I guess the company trusted me enough to give it a shot. I made sure I did everything efficiently and wasted no time at all. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life. making my own way and even started knowing myself and where my real talents and desires 17 . I was doing well enough and was confident enough in real estate to do it full-time and get rid of my “day job. and there was a lot more to learn. the one you’re probably most interested in. Best of all. When I went to my boss to resign.
By my second year. Inc. It was basically a mini-version of one of the larger telecom corporations. I was already bringing in a six-figure salary and at the end of my third year there I earned $387. but the skills that were created in me were worth more than cash. 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.07. At MCI. like actual cash.086. Global Business Solutions. dealing with people – especially difficult people. Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. That is in fact how this book got its title: I literally realized that all the triumphs and setbacks were creating skills and qualities inside me that were worth something real. But I still had to learn about setting goals. I used them to create many business successes. I was not an overnight success story. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money. I became one of the top salespeople in the nation. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). 18 . Rather using the attributes I list for you in this book I became successful in project after project and business after business. sacrifice and patience. resourcefulness and creativity. Especially patience! It was a lot for a young person like me to absorb. I’d learned that when the big companies couldn’t supply a product.Lifemoney were. evaluating my progress. 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.
Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. lower to the ground and closer to the customer’s ear. I eventually contracted with many providers. the customers would want you to do everything for them. Inc. One of these areas was in the pre-paid calling card business. and to always be so reliable that I would always be the “go to” guy in the future. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. 19 . When you’re always on the lookout for something new. Sometimes you go searching for new opportunities and other times opportunities find you. and seeing niches before everyone else. I understood that customers loved a one-stop shop. Heat Wave Tanning. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. allowing me to sell anything the big boys sold – and better – because I was smaller. I let the customers guide my business. it’s harder to tell which came first. you or the opportunity. remain loyal and protect them as much as possible. I saw what the needs were and I fulfilled them.
It turns out that people just were going in there to catch a tan. maintaining equipment. After more research (and imagining that operating that type of business would be fun). I told myself: it stretches us. The tanning business was a big change for me. It is definitely a great business that I would highly recommend. That is true. I saw a line outside of the place and was wondering what they were giving away. I researched the business and found out that it was a very low maintenance business and pretty profitable. 20 . It was like having a puppy at home: you never felt comfortable being far away for very long. Change is good. which was a huge plus for me. managing ten employees. I decided to open my own tanning salon. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. I could manage most of it via remote control. A telecom business like GBS was more “virtual” than brick and mortar. It was exciting. and Heat Wave Tanning was really a great business and a great opportunity in my life. and prepares us for the future. and I decided that I didn’t want that kind of responsibility. and managing customer issues just didn’t do it for me. and might one day do again. The tanning business though was more hands-on. Besides. But I felt I was ready for that. made my money and then I sold it. But I was discovering that retail businesses require a lot of time and attention. This was a different venture from my previous forays in the world of small business. building the place from scratch. grows us. Better yet the business seemed as if it could run itself. So I kept the business for two years.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon.
and My Music Site. although I brag about being retired.com are both my hobby and business.com Sometimes success comes full circle. And what’s best is that I can afford to be patient. no limits and 21 . set to launch in the fourth quarter. For Self Made Records. Inc. Later I was a college graduate looking to intern for a major hip-hop record label. with little to no risk and helping others all at the same time. It was a lot of work but it has been gratifying beyond words. looking to blend business with pleasure.com. in reality I’m busier than ever. And I love it! Why? Because I’m sailing my own ship with no boss. Now I was a successful entrepreneur.My Lifemoney Self Made Records. I have been launching companies left and right. / MyMusicSite. That makes me happier than I can possibly describe to you. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. friends and family while providing a marketing platform for them to make their dreams come true. I am doing what I love. I am now in the process of coding and developing mymusicsite. In 2007. I am sometimes surprised by all that I have accomplished in such a short time. Inc. but on my terms. I signed some artists to my label and I am currently marketing and promoting them. But I can afford to do this because I love it. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. I will make independent artist’s music easily available to their fans. 2007. Self Made Records. 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. Inc. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio.
I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. In addition. We will make independent artist’s music easily available to their fans.com) and is a retail conference location /coffee shop. I will 22 . it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating. break dancing on street corners and hustling for business opportunities. and snack items. In addition to being its creator. I just launched TellBrad.tellbrad.com (www. Meeting ExpressO will provide full access to conference rooms which include internet.com). friends and family. Lastly. 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. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. specialty beverages.mymusicsite. I am also in development on another site called MyMusicSite. The business is called Meeting ExpressO (www.com). In addition to that business.com (www. phone. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”. I am also providing a marketing platform for these artists who want to make their dreams come true.meetingexpresso.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. satellite television. This is a free website that gives the consumer a voice and enables them to be heard (rant/rave/leave video complaints) to both other consumers and the companies they speak of. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee. and business services.
when they mature. go by some oranges! (Orange juice outsells lemonade by 10 to 1. I’ll tell you how you can do it too! While my story is different from yours and from that of other people. Lifemoney Currency “When life hands you lemons… make lemonade. And go for it! No excuses. Instead of sitting around thinking about what you want. Now. Lifemoney provides you with the tools you’ll need to reach your own unique potential. sell it on the corner. Learn who you are and what you want. That’s why I’ve written this book. Stayed tuned and look for my name in the credits! …You Can Do It. Keep score of your successes and failures. Too! I began this lesson by declaring “If I can do it…” without finishing the statement. Work on the activities. invest your profits and. I have found the common denominator for success.)” -Brad Turk You can do it too! 23 . I will show you how to understand and learn a unique set of attributes you need to become successful. adapt the principles described in each of the upcoming lessons.My Lifemoney also receive co executive credit and be involved with development of the project.
Success is never a game of chance and begins with clearly deciding what you are going to make happen. In this lesson I want to show you the importance of deciding for yourself what success means to you. These are the stories of two friends of mine – John and Steve . has never cracked the seven figure mark and. pure and simple. some might consider him rich 24 . as far as I know.Lifemoney Lifemoney Lesson # 1: Defining Success “You have to arrive at your own definition of success if you ever hope to enjoy success on your own terms” -Brad Turk Overview It’s not possible to attain success without first defining it. John. is in no danger of cracking it anytime soon. Still. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you.and though totally different from one another they illustrate what I mean by defining your own success. two very different types of success stories. My first friend.
Steve. he just took it as a joke. You can’t . It didn’t bother him what everyone was saying about him. John. 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 found his own success and it works for him. Most days he didn’t have to go into work early and he got to sleep late. He has a beautiful boat. John’s parents also enjoyed him being there.Defining Success beyond compare because he knows himself and. He needs nothing else to fulfill his dreams. To me. He made enough money to live on his own if he wanted to. John told me that he was really happy with his life. who on the surface would probably look extremely successful to outsiders looking in.and shouldn’t . I have another friend. who is over 30 years old. he helped them out a lot and felt that his support was needed around the house. knows what success means to him. Then one day we were talking and John really opened my mind to something. From a professional perspective. several sports cars and a very 25 . He told me that every night that he goes to bed. I have to confess that I kind of agreed with them. just as important. he also said he was happy with his job. He is truly happy with how his life turned out. All of my other friends make fun of him. While talking about the future. has no ambition and is going nowhere. He told me he was still living with his parents because he liked living with them. He did it his way.push your idea of success on anyone. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. They think that he is not responsible. lives with his parents. he is successful.
Being that I know this friend well. Steve thrives on the adrenaline of living on the edge. Some people thrive in that kind of stressful environment. 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. I remember one weekend he invited me to go to the track with him to “play” with his cars. 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. Have you decided what your mark is? 26 . Why? Because they both hit their mark. Before the weekend came. My definition of success comes from within. you have completed Lifemoney Lesson # 1. I also know more details about his life than someone seeing him jet by on the track or some of his “not as close friends” spending a weekend with him on his boat. This is success for him. These men are both successes. he is in a world of hurt. He is always stressed and always in fear of losing something. he canceled the invite because he was actually selling one of the cars. Most everything is owned by the bank and it seems every time I talk to him. Once you define what you want and know what will make you happy. He is always making maneuvers to try and maintain his possessions. He is actually so far in debt that he does not really own anything he has. Does this sound like success to you? It might.Lifemoney nice house. The truth is that Steve lives way beyond his means. He also has to work harder than anyone I know. not from without.
They buy gym memberships and never use it. For the most part. With the exception of my friend John who I just mentioned. They subscribe to magazines they never read.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. you’ve taken the first step to taking your life back. When you define success for yourself. If we don’t define success for ourselves. Like fingerprints. Success takes personal planning and some work. our definition of success will be individual and unique. you own it. Although some people get lucky in attaining success. What works for some doesn’t work for others and what works for me might not work for you. strategy or plan they stick to in order to reach their ultimate goals. get more and be more. But becoming – and staying – successful can be tricky. It becomes yours. most people are still on their quest for success. There’s simply no future in succeeding for anyone other than you. In order to chase success on your terms you need to define what success means to you and be clear about what will make you happy. most successful people (whether consciously or not) have a system. I think this is important because I see so many people who spend their lives wandering. Success means different things to different people. We have no control over our path and our lives can become haphazard. No matter your net worth or social standing we want to do more. trend to trend. we all want more out of life. we are on a journey without a map. They go from idea to idea. 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. Why do they do this? They bounce around because they’re not prepared to 27 . They start up home improvement projects and don’t finish.
author of Riches Within Your Reach: The Law of the Higher Potential once wrote. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. and those are the only things I really care about it. See beyond money and its trappings.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. Desire is the planting of your seed. You should live your own life and live up to your own expectations. As Robert Collier.” . What is it you really want? What. By starting your journey with a firm grasp of your meaning for success.” Plant your own personal seed for success and watch it grow. you will be fully able to reap all the benefits that await you.Lifemoney take full action. “The first principle of success is desire – knowing what you want. 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. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . look past that next job promotion or future company you plan to build. They live undefined lives. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily.
He has lived in the same house that he purchased for $31. for example. This is a man who could do anything and have anything and is content to sit home and watch a ball game. 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. What would make you happy? We all define success differently. With all of Buffet’s billions he has always led a simple life. a 22-year-old student who has just received her acceptance letter into the medical school of her choice.Defining Success “All I want is to have people around who love me. 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. 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. yacht or even a boat. Let’s take.” It works for the second richest man in the world. He is doing what makes him happy. She has spent her whole life making sure her grades were in order to some day get into a good medical school. but successful people have taken the time to really think about their definition of success.500 over 48 years ago. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. She’s successful! 29 . billionaire Warren Buffet.
his self-esteem and confidence increase beyond measure. father. While his finishing time does not win any medals. they have been able to stash enough away to enjoy an early retirement and see the world. Months of preparation and training pay off for this guy’s single-minded determination. along with nutritional meals and emotional support. they have not missed out on anything they’ve wanted. Although he and his wife share a modest home. Sounds like success to me. have resulted in two stable children with above-average grades and well-adjusted social skills. upon marrying. That man is a happier husband. He’s been a total success.Lifemoney A 39-year-old business executive runs his first marathon. The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. Living off just the husband’s income has not been easy. 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. I call that success on their terms. agreed the wife should give up her job when the children came along to provide a stable home life for all. Then there is the couple that. While avoiding expenses like costly entertainment or expensive vacations. And so now I’ll ask you: Are you ready and willing to take a little bit of time and plan to live your life on your terms? 30 . but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. Each of these people has achieved success.
So once you have an understanding of what will truly make you happy. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. I believe the common denominator in true success is happiness. Over time. leave the world a better place. So let’s figure out how you define success. what they all really want is personal happiness. Lifemoney Currency “Do what you love. it is possible to be a successful lawyer without feeling like a successful person. It really isn’t what you have or who you are that makes you happy or unhappy. Even though everyone usually has a different idea of what success means to them. As you see in this example. you might become bitter or resentful. That’s why. If your parents are pushing you to become a lawyer. you can begin to set goals on the road to success. While it’s a good idea to talk to your family and others who may be impacted (say. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at.Defining Success WHOSE Dream Is It. you’ll be finding out why it is so important to Know Yourself. That’s why it is important to understand your priorities clearly. in Lifemoney Lesson #2.” . It is how you view your situation that makes all the difference. but you don’t really want to.Jeff Mallett 31 . love what you do. you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. 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.
and edit if necessary to make them readable and clear. etc. skills. Explain. the hallmarks of success—money.Lifemoney Goal Achievement Exercise A You will need to create a place to take notes and do the A-Z achievement exercises while you are going through this book. I am going to ask you to open this document on a regular basis throughout this book. so make it handy and easy to access. or download a copy of the Workbook with all the exercises from my website – www. set a timer for five minutes. read over your ideas. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. 32 . 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. time. in your opinion. Once you have this in place.bradturk. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. asking yourself questions like these. Then start writing about your views on success. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. You can use a three-ring binder. open a document on your computer.com. but more importantly.
4 million. “Everybody wanted my money. We all do. in 1985 and 1986. Having come from a “no money” background. • In 1988. after declaring bankruptcy. now lives on Social Security and food stamps: “I wish it never happened. Money in itself does not equal success.” These beliefs about money are all wrong. Her total take was $5. What does she have to show for it now? Zippo. But you just did. Ask the following people. I know many people with little or no money. at gambling venues. Not Cash) Congratulations! You’ve taken a huge step. they’ll tell you: • Evelyn Adams.2 million in the Pennsylvania lottery.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. you might find you are still unhappy. Completing this exercise brings up a point I think worth exploring. Welcome aboard a new life. William “Bud” Post won $16. She lives in a trailer and recounts that. won the New Jersey lottery twice. Most people just never make the move to define what they want and where they’re going. I’d be so happy” or “Everything in my life could be fixed with some cash. It’s amazing how some people perceive money as the answer to all their problems. Everybody had their hand out. “If I only had money. something of a statistical freak. If you were handed everything you wanted without working for it. Says the man who.” Her hand was out.” 33 . too. It was totally a nightmare.
I know you’re probably saying “Yeaaa. And accomplishing your dreams – your success on your own is very important. She shared her wealth with many charitable organizations. it’s that amazing feeling you get after finishing a job well done. the challenge. Here are several keys to keep in mind: 34 . It seems to be a rule of life that if you have good things handed to you . Goals are not just about achievement. You Are in Control Success belongs to those who are clear about what it means to them. That is true success – at least by my definition. There is no amount of money in the world that can recreate that feeling of accomplishment. and the ultimate triumph of accomplishing a mission. she had filed for bankruptcy and had just $700 in the bank. they’re about satisfaction. That’s why Lifemoney is an internal feeling. And satisfaction is more than being content.you miss the excitement. but before a decade had passed. and without effort are not actually participating in the creation of their own personal happiness. Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993. not a financial figure.the fruits of someone else’s labors . Understand that a lot of the enjoyment of meeting your goals is in the feeling of accomplishment and satisfaction that comes with hard work and success. To enjoy success you need to earn it. that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily.
until the value of moving is higher than the cost of those inevitable obstacles. but they do not own your ideas or lay claim to your dreams. you willingly give your power away. Anything worth doing is worth doing well. but your dreams are out there. it’s also worth doing despite the odds of failure and cost of success. 3. Now all you have to do is take another step. Most likely it will be bumpy. Success is not a game of chance. but don’t forget to enjoy the sites along the way. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. waiting for you to come and claim them. You are here – we are here. and another. Chart a course for paradise. 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. Others have influence over you and affect you. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. or it could take decades. it resides in you. sure. You’ve already taken the first step. And remember that it’s important to enjoy this journey so keep an eye on the finish line. When you lay blame or make excuses. It may take months. 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. Don’t put your trust in success just showing up. 35 . together – because you made a conscious choice to pick up a book called Lifemoney. The power to change is your own. even if the voyage looks choppy. that would be incredible.Defining Success 1. and that might not have been easy.
so don’t waste it living someone else’s life.” -Steve Jobs 36 . Lifemoney Lesson #2.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. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. success must mean something to you if you are ever to truly achieve it. your old friends from school. Success must happen YOUR way. Let’s go there right now. Whoever you’re trying to keep up with – the Joneses. It will become clearer the more you focus and keep your mind open. you’ll always regret not doing it for yourself. trust me. If you do it out of ego or pride or greed. something WILL be missing. Lifemoney Currency “Your time is limited. That’s totally normal. If you do it for the money. Don’t feel bad at all if you’re still a little unclear about what success should mean for you. If you let others define success for you. on YOUR terms for YOU to be truly happy. your neighbors – forget it. there will always be a nagging feeling that something is missing.
_____ 10. I spend time learning what it will take to be successful in what I love. _____ 2. I will decide for myself what occupation excites me. I will always seek to lead my own life. _____ 8. _____ 7.” -Brad Turk 37 . _____ 6. The expectations that matter most are mine. _____ 9.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. I am in control. and then tally your score. Lifemoney Currency “If you live for someone else. _____ 5. _____ 3. _____ 4. I will define success for myself. I hope they enjoy it because you probably won’t. I am seeking my own personal growth and happiness. I will look beyond money to find happiness. I am winning life’s lottery. My life is mine and I’m excited to develop it on my terms. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1.
” by exploring who you were to determine who you are and clarify who you want to become. but it always starts with YOU. you will build on the first lesson of this book.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success. It’s a journey that may veer off in a thousand different directions before finally coming to fruition. In my mind. I expect to make great plays. I can never be good enough…It just comes with the territory of knowing yourself and making the most of what God has given you. In Lifemoney Lesson # 2.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. 38 . great moves. “Defining Success.
He stuck with the decision. one of baseball’s legendary home run hitters. because he knew he had the ability to be a GREAT batter. a son or daughter. How many of us hover around the comfort zone of what we’re good at. 39 . son. a basketball pro. or two-time divorcee. but not without a period of introspection first. father. banker – merely describe you. you need to know who you are. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. 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. 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. someone’s parent. Who are you? Who are you? That probably depends on who you ask. This is valuable advice for many of us. not a popularity contest. He took a lot of heat for his decision because he was a GOOD pitcher. lawyer. Maybe you’re carrying around a little extra baggage as a high school dropout. right? You might be a wife or husband. 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. But life success is a self-test. a company executive. Before you know where you’re going.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. But all of these titles – husband. a student. unemployed worker. they don’t define you. a computer whiz. or a musical genius.
But now. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. 40 . wherever you’ve been. Or maybe you were hoping to get married. have kids. When was the last time you asked yourself this question? What was your answer back then? Has it changed? Many of us live such fast-paced lives that we seldom take time to reflect on the distance we’ve traveled from the starting point many years ago. Whoever you are.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. let me help you rediscover that person again. Maybe he or she is a little older. but ready to gear up for the adventure that lies ahead. and hopefully a little wiser. If you are just starting off on your voyage to success and don’t know where to begin. Life has a way of sidetracking us from our goals to deal with day to day living. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. more importantly. Then. and live happily ever after. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. you got sidetracked into making a living and getting by. looking back. knew you were capable of attaining. whatever you’ve done. you can still find the path to your personal success if you’re willing to look for it. start here. day to day. Instead. and maybe not even worth the effort after all. you find that those dreams never materialized. the goals appear too distant to reach anymore. when you take a moment to catch your breath and see where you are. instead of building the future you always wanted and.
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. Why? Because he was finally keeping up with himself. restructured his organization. His patients and his workers loved him and he was loaded. 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. In his case. He was a very successful physician with five private sports clinics. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. less really was more. This nice. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. the time I spend with family and friends. they’re shifting. My priorities aren’t amending. literally. Lifemoney Currency “I’m starting to judge success by the time I have for myself. (Either that. Twelve months later he was happier than ever. or maybe just busy work. successful. and over the next year phased out four of his five clinics. but he was slowly driving himself insane. What is success if you don’t know who you are inside. not the Joneses. If you don’t know what will make you happy. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. It is not. or someone else was going to wind up dead!) He drove straight to his accountant’s office.” -Brendan Fraser 41 .
Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. certificates. now you can see how you managed to win that particular prize. list your personality or character strengths. define a recent accomplishment by personal attributes: 1. reflect on the things that worked in your favor. • • • • • “I earned a college degree.” 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 . these might include honors. recognition. “I made a wise career move by getting a better job. For example.” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. and/or specific steps you took while completing these accomplishments. In looking back on your past. Even if you didn’t consciously use these qualities back then. or personal achievements. Under each. Make a list of your top four or five achievements.
like academic work. and so on. some may be more physically oriented.” “thorough. while others could relate more to mental functions. like sports competitions.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. You’ll begin to see how that person might emerge in the next stage of life. Some people excel at social endeavors like arranging parties or special events. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. You may even recognize the type of goals that attract you. Let’s say for instance that when comparing the events above words like “organization.Knowing Yourself 3. Look for patterns forming. As you think about the things you’ve done that you have enjoyed and made you feel good. 43 . What might that say about you? Using this exercise to get a sense of your approach to important life goals will help you understand where your strengths lie and what makes you happy. you will get a better idea of who you really are down deep. 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.” and “selective” came up in one form or another with each of the three achievements.
Write down the characteristics that you’ve often heard people mention to or about you. which shows up in words like “endurance” and “commitment” and “perseverance. And maybe your list reveals a part of you that loves physical activities and accomplishments. enthusiasm. Maybe your mom has always said you are hard working. Or you may be the employee that handles confidential matters at your company because the boss trusts you most. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. You’ve just done an assessment of the qualities you see in yourself and that you find positive.” 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. That means laying the mental framework now for the physical action you will be taking later. Aiming your thinking correctly requires more Workbook exercises at the start. I would like you to make a list of the qualities others have noticed in you. but in the renewal of spirit. not in a religious way. So take this time to remember or remind yourself of what you want out of life.Lifemoney The world is full of born-again success stories. Your list could look something like this: 44 . You could be someone who inspires others when they go through hard times. passion and effort. If you do. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors. you are on your way to getting there. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages.
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. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. Since most of us do a better job with activities we enjoy. Regardless of how you look at it. It’s our job. Lifemoney Currency “You gotta have fun.Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first.” -Derek Jeter 45 . we’re playing a game. It’s business. you’ll probably find that you are drawn to things you think are fun. Now you have an even better idea of how to play to your strengths as you set up goals for the future. but I don’t think you can do well unless you’re having fun. You need to keep this in mind as you plan your goals and how you will reach them.
and then do a half-hearted job when you get around to them. I have a saying: denial does not change reality. But all the while. I didn’t know what I was supposed to do. I got the materials (or information) late. Maybe you have a lazy streak (sometimes I do). Everyone has weaknesses. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. “I don’t have any major flaws. working around it or improving it. My mom’s cat died and I had to bury it. You do. As soon as you say. You put things off. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good.” you’re finished. The machinery isn’t working right. As long as you keep fooling yourself. Everyone has flaws! But successful people understand the value of admitting to a weakness. But if you don’t admit to those limitations. and moving on. you will never be able to deal with the issues that are holding you back from success. It’s part of being human. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . right? I do. you can get into some real trouble.Lifemoney What Are Your Limitations? Let’s be honest.
you can have the best intentions in the world when interviewing for a new job. But if you’re late to the interview. These could include personality drawbacks. For instance. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. write a brief description of an incident where this particular quality had a negative impact: • • • Overbearing—offended a good friend of mine Sloppy—embarrassed my girlfriend at her company picnic Late—arrived late for an interview and didn’t get the job As you begin to link certain behaviors to unwanted outcomes. You also can add things about your character that could benefit from improvement. Now write down a few of your weak areas. what good is all that positive self-talk? 47 .Knowing Yourself Goal Achievement Exercise D Take out your Workbook. even deciding how to invest the extra money you’ll be making. like being able to say “no” when you don’t want to do something. like shyness or arrogance. Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait. or not taking shortcuts on a project. telling yourself how it will be as a stepping stone to reaching your ultimate career goals.
for their triumphs. and Russell Simmons didn’t earn their millions by making excuses. 48 . is useless if you don’t act upon it. Derek Jeter. There are so many things you can do. they blame themselves 5. Don’t blame the product for being inferior. Bill Gates. for their strengths 3.Lifemoney Successful people don’t write off damaging personal traits as “oh well. Knowledge. Of course. Always assume personal accountability. You may want to start working on these weaknesses one at a time until you start seeing better results. they blame themselves 4. Take stock of their weaknesses and work hard to improve them 2. for their failures. so take action. and their efforts paid off. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. they: 1. 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.” Instead. for their weaknesses. Don’t blame the economy for low profits. But remember that people like Donald Trump. they blame themselves In other words. Don’t blame the weather for being late. it’s easy to throw in yet another excuse about finding the time to make these changes. They did what it took to climb the mountain of their success. And action means work. that’s just me being me. for their inactions. the minute you start passing the buck. for their actions. especially self knowledge. don’t write it off as a cute character flaw. get rid of it. Eat breakfast on the way and tie your tie in the parking lot.
then do the work it takes to eliminate weaknesses and build on your strengths. they viewed the results as useful information. On the other hand.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. then choose something that includes some type of numbers work like accounting or investments. Many people have failed at that. 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. one of the most successful photo search engines on the web. Or then again you might end up on the exact same path your grandfather took a century ago. If you’re good with numbers. Or it didn’t last. Using mistakes as useful information is the way many large companies are innovating. Maybe you’ve already tried success “your way. you can find a path—or blaze a trail—that will lead to your personal happiness. the lessons learned provided the originators with priceless information which allowed them to create Like. if you like words and books choose a different road to your success such as writing or communications. Then be fearless about taking it. 49 . Whatever your interests and skills. They decided to view “failures” as information sources for building new things. They treat everything they try as an experiment. Though it was a full blown failure. But within weeks they discovered that their great inventions were totally useless.com. What matters is that you freely explore any path you wish until you find the one you are destined to travel. For example. So rather than dubbing the whole project a failure. Maybe you’ll take a route that no one in your family or neighborhood has tried before.” but it didn’t work. Google created an early version of Google toolbar with all kinds of great features. Another example was a short lived photo search engine called Riya.
” Just think of that for a second. Consider one the top 50 business influencers of the 20th century. and Japan. Walter Elias Disney. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories.P.” -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. France. As Walt himself recalls. a film studio. an Internet operation. Starting with a little mouse. Disney was to fantasy what J. a publishing house. But they know enough about themselves to know what makes them passionate and hungry. And that is why I succeed.. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. Morgan was to finance. I’ve been trusted to take the game’s winning shot and missed. Many successes start right where you are: not knowing themselves very well and beyond broke.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. Disney founded a $20-billion media conglomerate that includes a TV network. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. I’ve failed over and over and over again in my life. Twenty-six times.S. and they don’t let lack of money or support stop them. Theme parks with the Disney name are located in the U. “It all started with a mouse. and a worldwide store chain. I’ve lost almost 300 games. It’s easy 50 .
So let me ask you again. who are you? What is your driving passion? What is the secret obsession that defines you? Whether it is a mouse or music style or menu item or men’s fashion. Remind yourself of the unique skills you bring to the process. never let the world tell you that you can’t do something just because it’s never been done before. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. The reason for this exercise is to begin the process matching your abilities to some of the things you want. landing your dream job. never tell yourself that you can’t do something because it’s never been done before. Under each thought you write. 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. it will help you understand if you are looking for success in the wrong places by objectively 51 . One. Walt Disney held firm to what he knew. list the qualities that you think you would need to achieve them. or building financial security. Through rejection and derision. He stuck to his singular vision of himself and is now revered as nothing short of a genius. failure and distraction along the way. but what if it’s never been done before? That’s the dilemma Walt faced. But more importantly. Now. Two. finding a life partner. as well as any new talents you may choose to develop along the way. This is done for two reasons.Knowing Yourself to imagine success when it’s already been done before. such as getting in great physical shape. Stay centered on who you are and the goals you want to achieve. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish.
Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. because he knew he couldn’t be happy doing anything else. down cold. For example. if you want to make a million dollars. 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. and comparing those qualities with what you deeply desire to develop within yourself. adoring women. making a million dollars doesn’t necessarily mean you will be happy. because when you get it.Lifemoney highlighting what’s required for success. What remains important is that you feel successful at every step of 52 . Why? Turns out he had Lifemoney Lesson # 2. be careful what you wish for. Know yourself and double check your motivations for success. In other words. Understand that fortune and fame doesn’t equate to success. Make Less . you must understand why you feel a million dollars will equate to happiness. it might not be what you expected. the Hollywood Dream – and he left it all behind to risk his life and fight fires. Knowing Yourself.Find More As you learned in Lifemoney Lesson #1. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. As an example. knowing yourself and being true to yourself makes you successful. screaming fans. Here was a guy who seemingly had it all – loads of money.
and enjoy.. he asked the locals if there was a fishing boat that went out daily. and that to skip the rest stops. not a destination. detours. today. the executive was impressed with Fisherman Joe’s skill and 53 . like “I’ll be happy when I make my first million. The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege. Ask yourself this: What happens until then? Truly successful people make peace with.Knowing Yourself the process. and that most of his day was spent with his wife and children. obstacles and roadside attractions along the way is taking away from true success. The next day. where they are right now. Fisherman Joe told the executive that it would be a pleasure. They recognize that success is a journey. Although success is a worthwhile goal. The businessman had no problem going out for just a few hours while his own wife visited the spa. progress at any price should be more than most of us are willing to pay. See how that works? If you say “I’ll be happy when…. the two men took the boat out on the seas. but that he only went out to fish a few hours each day. While waiting for the fish to bite. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii. So many of us set conditions for our happiness. or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership. While there.” you’re in the conditional happiness trap. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water.
After a slight hesitation. for the man seemed unusually humble. I know their habits.A.” “What do you do with them all?” the business man asked. Joe agreed. He spoke to his partner.Lifemoney ability to find the best spots to reel in a terrific catch for the day. The prosperous businessman. and remove himself from the enjoyable part of his business—fishing—he did it anyway. they finally went public. who had reached his goals. and did not really enjoy what he was doing. Working day and night was more than he had expected. asking if he could cash out his shares and return to Hawaii.A. “How do you get so many in so short a time?” the businessman asked. Joe knew that being in L. Soon business was booming.” Joe replied. After five grueling years. 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. Although Joe was reluctant to leave his comfortable home and family while working in L. “After so many years. Joe shrugged. But Joe was now worn out. The business life was not satisfying. “I sell most of ‘em. as though he was unaware of the value of his skills. and then working a fleet. truly amazed. Fisherman Joe went from working full-time on his boat to getting three boats. would aid his partner’s goal of taking their company public. had no problem and 54 . “and take home what’s leftover for dinner. Finally. Just a couple of hours a day supplies all my needs. Joe decided he could not take this life anymore. “How would you like to go into business with me.” The shrewd executive knew a good thing when he saw it. The two men moved the business headquarters to Los Angeles.
and many might have found it fulfilling. but he ventured away from it for more money. Before Joe left. This journey was quite productive. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. what are you going to do?” Joe replied that. that’s quite a journey.. and then I am going to spend the rest of my time with my family.A.Knowing Yourself wished Fisherman Joe well. “Yes. and he ended up doing exactly the same thing. But Joe found it a waste of five good years of his life. In the end.” Joe replied thoughtfully. The interviewer was amazed by Joe’s journey and the story behind his success. He already knew what success looked like to him. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success. his journey brought him right back to square one. 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. “I’ll get a small fishing boat. a popular magazine interviewed him. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. It’s that you should know what you want out of life. so I can fish a few hours a day.” The moral of the story isn’t that we should not try hard or set high goals. the entire experience had been a detour from Joe’s own sense of success. Both of them found success in completely opposite directions! 55 . “From fishing a few hours a day to a multi millionaire. it is. Two very different men viewed the exact same experience in two very different ways.” the interviewer commented.
These assessments are available all over the internet or by looking in the Yellow Pages. being true to yourself and finding your happiness makes you successful. Assessment testing can also help find your natural strengths. take an aptitude test. and if you work in a field that doesn’t match your natural abilities. No one knows better than you where you feel confident versus where you feel unsure of yourself. They can measure your characteristics and ability to acquire additional skills. -Brad Turk 56 . time. Do you have that drive? If so. and effort to reach something that is much harder to attain. But he is the exception to the rule. go for it. Certain occupations will be a better fit for you than others. who not only played professionally. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. A local community college may also offer these assessments free of charge. If you don’t know where your talents lie or still don’t know what you feel you would be good at. just understand the obstacles that you are going to face. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. Aptitude tests can provide some insight into your talents and abilities. Lifemoney Currency Understand that fortune and fame don’t equate to success. Is that a realistic goal for you? It was for Spud Webb. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. Sometimes it will take that much more work.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. unchallenging and even difficult. you may find your work unrewarding.
Knowing Yourself Summary
We focused this lesson on discovering who you are and who you want to become. Answering these questions lays the groundwork for success. If the groundwork isn’t solid, the whole house will crumble. Remember that anything you set your mind to, you can achieve. The only limitations you have to achieving your goals are the ones you set for yourself. Use your understanding of your strengths and weaknesses to achieve your goals and you will achieve excellence. The best part is that when you know who you are, you’ll achieve it on your own terms.
“There is no discrimination against excellence.” -Oprah Winfrey
Check all the items below that you agree with, and then tally your score, giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 2. _____ 3. _____ 4. _____ 5. _____ 6. _____ 7. _____ 8. _____ 9. _____ 10. I will discover what truly makes me happy. I have given serious thought to the roles I’ve played throughout life so far. I can remember specific goals for my life when I was young and idealistic. I have reclaimed those goals or revised them to fit my future plans. I have thought about the skills that others see in me. I have matched up my goals with my abilities. I have reflected on past achievements as a way of planning future success. I have identified specific weaknesses or flaws that need to be addressed. I am ready to take responsibility for my weaknesses and start changing. I will not let life’s distractions sidetrack me from reaching my goals.
“View mistakes as missed takes - take mistakes and learn their relevance.” -Brad Turk
Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles
“You should set goals beyond your reach so you always have something to live for.” -Ted Turner Overview
Every journey needs a beginning. Planning, road maps, and packing are what prepare us for the trip that lies ahead. Although you are probably excited to hit the gas pedal and get rolling, overlooking these planning stages could set you on the wrong course. This Lifemoney Lesson prepares your navigation system of goals, action steps, and timelines and will give you the knowledge to handle the inevitable obstacles that will come your way.
A Quick Review
Let’s quickly review. In Lifemoney Lesson # 1: Defining Success you took the first step in your quest for success by understanding what success means to you and
Lifemoney forming an idea of the type of accomplishments that will make you happy. Lifemoney Lesson # 2: Know Yourself helped you learn more about your true wants and needs, and made you aware of what personality traits you will need to get you there. Now, in Lifemoney Lesson # 3, you’re ready for the next step on the path to selffulfillment: Goal-setting. This lesson will guide you through the process of creating some goals, developing an action plan behind your goals and deciding what you need to do in order to achieve your dreams in a timely manner. Let me start with a great story that illustrates two people with goals. One person has a goal with a plan and the other person is totally unscripted.
Six-time Grammy award winning rap star Kanye West knows a little about setting goals and overcoming challenges. Kanye wanted to be a successful rapper, but was known in the industry as a producer. His label, Roc-A-Fella Records was initially reluctant to support West as a rapper, because they saw him as a producer first and foremost. Nobody thought he had much star power. Companies felt he was not as marketable as rappers that portray the ‘street image’ that is prominent in hip-hop. But even with the Roc-A-Fella record deal Kanye West was not going to wait for anyone to take notice of his rhyming talents. If Kanye had not believed in himself, stepped up and remained persistent in reaching his goal – his definition of success - he might just be another producer on the Roca-A-Fella roster. But Kanye West had a goal, and it wasn’t to be a producer. So on his own initiative he planned, paid for, and filmed his first video for “Through the Wire,” which catapulted him into superstardom. It appeared that if Kanye had not done this on his own
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). It’s time to write some goals right now. would make you a happier person. That’s because he had more daydreams than plans. For two full days this artist could not come up with the resources for even a $2 token to get there.to side track their journey. Now let me tell you about another hip-hop artist you’ll probably never hear about. Mr.Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. It is the first step of turning the thought of doing something into the reality of achieving something. Every successful person I know has clear goals they’re reaching for. For instance: • Goal: Starting up a home-based travel agency 61 . when accomplished. Goal Achievement Exercise F Take out your Workbook. And they don’t allow $2 tokens . Once they decide on that goal. Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal. His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. obstacles became simply inconveniences to be overcome. make a list of your top 3 goals that. For this exercise. Kanye West vs.or the opinions of others . Nobody. 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.
Dreams are real and they do come true if you follow this path. stronger. get started! 62 . it’s often hard to see them as real. or read a book and you’ll see hundreds . or better than you. Just watch television. that’s natural. The problem with dreams is that we’ve dreamt them for so long.even thousands of people who have applied action and planning to make their dreams real. Now is your time.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. they simply learned these lessons a little sooner and applied them a little earlier. Relax. They happen every day. listen to the radio. Those people are not smarter.
etc. Find out construction costs for renovation ii. 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. Understand the testing process (where given. An action plan is just a series of steps you plan out ahead of time to take systematic action. Schedule exam • Build out basement to accommodate office i. timeframes. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. Order a separate phone line from the telephone company iv. Clear space for new furniture 63 . break the list down into three or four action steps you would need to take in order to reach that objective. Below each. What bridges that gap? Action steps. We all know that goals just don’t happen. Start looking into office furniture and equipment iii. Let’s set up an action plan for your goals right now. Goal Achievement Exercise G Take out your Workbook. Prepare for exam iv. It could look something like this: Goal: Open a home based travel agency: Top three objectives and possible action steps: • Get travel agent license i.) iii. Research classes that offer test preparation for agent exam ii.
Figure out a budget of what the business will cost ii. but without a schedule to start with you’ll never know if you’re slipping. Let’s say you want to own your house debt free within ten years. deadlines slip sometimes and you have to readjust your schedule. Sure. Figure out what amounts of money will be needed to live off of while building the business iii. So not only do they spend a lot of time managing their time. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. objectives and action steps. Start putting away money weekly toward travel agency iv. When you sit down to make your plan and you see that both of your children will enter college within the next ten years and your spouse is going to need significant surgery in the next year you may 64 . but they also add urgency to their goals by making themselves accountable to deadlines. Successful people know that there are few assets as valuable as time. Now you’ve written goals and some action steps that lead to the goals.Lifemoney • Raise and save enough money for expenses and salary cushion i.
You’ll need to adjust. Schedule changes or circumstances may require adjusting a date now and then. For instance if you want to start your own bakery. With a large goal like opening a new business. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. objectives and action steps. Go back to the list of goals. Beside each of the objectives and action steps. As a result. 65 . they identify action steps.Overcoming Obstacles realize that this goal does not have a reasonable timeline. and that gets your heart rate back within normal ranges and allows you to actually sleep at night. rushing into it is more dangerous than not starting it at all. and then they set times and dates when things will be completed. Successful people set goals and objectives. jot down a date for reaching them. This is an easy step to take. but for the most part. many people leave this step out and things just never get done. they are guides. Goal Achievement Exercise H Take out your Workbook. If you need a year. 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. you should set reasonable deadlines and do everything you can to meet them. give yourself six months. but the timeline isn’t given the circumstances. not written in stone. The goal is still reasonable. be VERY realistic about your timeline. Let’s actually do it now. but it’s also easy not to take. give yourself a year. Unfortunately. Timelines do not mean deadlines. objectives. You must schedule your goals.
About 30 seconds of silence went by and he asked me why I became quiet. “I’m waiting for you to write that last item down.Lifemoney If you keep on falling behind and have to reset your dates. I learned early on a major flaw that he had that amazed me. I actually had a business partner who is one of the smartest. Write It Down Words are priceless. Never underestimate the influence of actually seeing your goals written out and in front of you every day. I stopped and paused. Written words are also great for organization and focus. His solution was to write everything down. I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. 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). most talented and gifted people I know. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. Like most successful people. he knew how to compensate for his flaw and it practically never affected his work or his success.” 66 . The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline. After he said he was going to take care of one of the items that I did not want to do. He probably had the one of the worst memories I have ever seen. I told him. you might have to adjust your action steps or your due-dates to make them more reasonable.
“To do” list which you will reference daily. you may need to break down the week by hours to make sure you are managing your time properly at first. and anxiety producing things out of the way when you have more time. Do the important. Depending on how organized you are. and plan specific. but you will make progress and. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. You may not get everything you had planned done in a given day. You should get the boring. set deadlines. you may be able to do more things in a day.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. committed. tasks first. realistic. even if unpleasant. measurable. and visualized steps. Here are a few tips for using your daily “To Do” list: 1.” -Les Brown Goal Achievement Exercise I Make a daily written. Set aside some time each morning to review your list and begin working on the listed tasks. 67 . over time. reserve a block of time to do what needs to get done. Every day you should be aware of all your goals and the steps needed to attain them. For goal setting you will need to prioritize tasks. annoying. Keep it in the notebook you have been using or in a calendar program that you can keep handy. moving you closer to achieving your goal.
but it works. I don’t recommend this method. use them! Lifemoney Currency It’s true – if you fail to plan. I will do things like leaving a basketball by my front door. So if you need post its. -Brad Turk 68 .Lifemoney 2. and I am happy with it. you plan to fail. Computer programs and electronic organizers can save you a lot of time over manual lists. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up. Although I suggest technology. 4. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. I have a main list at home and a daily list that I take with me. It is not in the way. We need to take luck out of the equation. Obviously. Learn how to use technology. but it is visible and reminds me daily to get out and play. Carry a pocket-sized list with you at all times. your PDA or phone alarm as a reminder. 3. but it is not really a priority that I want highlighted on my daily to do list. do what works for you. For example. I want to start playing more basketball. I do this. I know I could come up with a more efficient method. With computer programs and organizers you can adjust lists quickly and neatly. even I know it is kind of strange – but it works for me. It’s just something I want to get around to doing more often.
But MCI was not concerned with this. Successful people use their Lifemoney skills to look at obstacles as opportunities. I found that MCI was one of the highest-priced long distance service providers on the market at that time. because it mostly affected the smaller customers. My problem was that I was the one handling those smaller customers. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. Mental and physical preparation is essential to finishing any journey. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. Whatever obstacles have been preventing you from starting your journey. not stumbling blocks in their path. taking market share away from MCI and AT&T. The MCI philosophy was “we’re selling on value. newer provider.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles.” Unfortunately. and you must be mentally prepared to deal with them. They step up and success is their reward. with fewer expenses. Most of their larger customers simply wouldn’t take a chance with a smaller. now is the time to knock them down forever. it is extremely difficult to sell value at two times the cost for the same product. There were a lot of smaller companies. These companies were offering rates that were about half the price of what we sold. Adversity and obstacles will come up along the way whenever you start setting goals. 69 . not price.
Luckily. 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.Lifemoney I quickly scrambled to find a solution. list possible or proven obstacles or fears that may be keeping you from reaching your goal. let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. That meant that for every 100 reps starting at MCI. This was the beginning of a booming market. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. With firm goals and objectives in mind from Exercise F. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . Lifemoney Currency “If you don’t like what’s on TV. The turnover rate for my position that year was 95%. 95 left or got fired. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. Describe one of your main goals in a sentence or two. Be honest and write every obstacle and fear you can think of. Then come up with the solution/objective and an action plan. I started looking for other products to sell even though long distance was supposed to be our main focus. Below that.
save money for classes. clear. but they are action heroes. It’s like your teachers used to say in school: “You’re only cheating yourself”. shapes. 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. etc. so that you will 71 . and colors for different people. start a savings account with regular deposits. Objective: Research planes and prices Action Plan: Go online and research planes. find an online interest group. Objective: Take Flying Lessons Action Plan: Research Classes. focused. So is flying an airplane impossible? Of course not! People fly planes every day. The idea is not to overwhelm yourself or get stressed out with a long list but to break down your objectives into steps that conquer all possible obstacles. These obstacles come in all sizes. Here’s an example of what your obstacle list and action plan could look like: Goal: To pilot my own airplane Obstacles: • I don’t know how to fly. so you will need to spend some time figuring out the possible or probable barriers to your goals. People just like you and I.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. etc. and manageable. • I don’t have a plane. So how do they do it? They are not superhuman. etc. • I can’t afford a plane. Each part of this process should be specific.
we learn from our success and failures to meet the next obstacle with even greater results. and 3.Lifemoney end up where you want to be. you’re probably going the wrong way. They say if everything’s going your way. All of these steps we have completed so far help you get focused. allowing failure to be an option. That’s because life is supposed to be a challenge. Let’s examine each of these and ways you can beat them every time. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. stay clear. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles. or even when we face them with not-so-successful results. Number 1: Procrastination 72 . As with this goal of flying. Lifemoney Currency “They say if everything’s going your way. making excuses. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1. procrastination. the goal suddenly seems reachable. When we face challenges and overcome them. you’re probably going the wrong way. and manage your way to achieving your goals. your real goal at first may seem almost impossible to reach.” -Brad Turk Three Huge Obstacles In my life as a successful businessman. 2.
By procrastinating I mean putting off or delaying an action or task to a later time or date. too. To me.” “I don’t have the help I need.” “I’m over-committed already. All the time that is wasted procrastinating is not putting us closer to reaching our goals. We say things like: “I’m too busy. 73 .” “My wife’s nagging won’t let me think.” “The kids need me right now. or avoid taking action steps once the plan is made.” “I don’t know where to start.” The list goes on and on. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4). It’s easy to put off making a plan for starting the journey to your goals.” “I can’t find a minute to myself. and some of us are experts at it.” “My husband says it won’t work.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination. procrastination is one of the worst enemies of success.” “I’m too tired. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments. 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.” “It costs too much.
do “a part” of the task. be they people (your lazy cousin Eddie). Maybe a part that interests you most. Example: You are on the way to the gym and your buddy calls you to go out somewhere. • Do a part of the task. • Avoid people or things that will take you away from what needs to be done. Instead of doing the dreaded cardio. We all know time-suckers. go. 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 do it! Example: When it’s time to go to the gym. some willing to work. or things (Xbox/housework/chores).” -Robert Frost h i nk about that quote. places (the mall). just go and focus on doing the weight training. Example: If you’re not feeling well and you are supposed to do cardio and weight training. Or don’t think about not feeling that well at the moment. you might be feeling up to doing the cardio.Lifemoney Lifemoney Currency “The world is full of willing people. Don’t think to reschedule it for a better time. Maybe after that is done and your body is in motion. the rest willing to let them. Just get up and go. Even pick one of your favorite exercises to start. You tell T 74 . Don’t think about the whole thing. You’ll feel better after you do.
Sometimes we just need a little outside perspective from a family member. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. If he’s a real friend.Overcoming Obstacles him you can’t but he is persistent. not the task. For instance. visualize the result you’re after. Then work on the task and write down how you feel now that you’ve done some or all of it – enjoy that sense of accomplishment. While this may be extreme. • Find a partner. All successful people meet their obstacles 75 . get a friend involved or find someone at the gym who keeps the same workout schedule. and spend every waking minute realizing their goal. Example: If you don’t feel motivated to go to the gym and you dread having to go. he’ll be waiting for you when you’re done. which explains why a significant number will fail or relapse when the going gets tough. Many successful people consciously visualize a result before beginning a task. fold it up in their wallet. • Write down why you’re avoiding the task. don’t think of the exercises that you need to do. Yet most of us grab onto great ideas for self-improvement without much thought. find a workout partner. You need to be firm and stick to your plans and continue on to go to the gym. If failure is always an option then success may never be within reach for you. • Focus on the results. colleague or friend. You can hire a trainer. think of how you are going to look at the beach. not the steps it takes to get there. Example: If you need outside motivation. I’ve seen people literally write down “make a million dollars this year” on an index card.
Much like the boxer in his now famous movie. Sylvester Stallone went through huge trials and tribulations as a writer. 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 . How far are you willing to go for success? If you concede failure before you even begin. he found a movie studio willing to buy both his script and his portrayal of the main character. you may never know. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. 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. Stallone refused to fail. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. star and creator to see his project come to life. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed. 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.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. at last. He persevered until.
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. if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. You might feel too old to reach your goals or that it is too late to realize your dreams.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. For example. you may be tempted to light up with your buddies at the bowling alley. This becomes a lifestyle challenge that you must address. But it is never too late to achieve your desires. At the age of forty. Life circumstances and 77 . my sister enrolled in medical school. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights.
-Brad Turk 78 . Excuses are probably one of the biggest obstacles that keep you from achieving your goals. working overtime to prove your usefulness.Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. maybe even a small one. like earning more money by asking for a promotion. Your action steps might include dressing the part of the higher position. they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do. Start with one goal at a time. But guess what? Excuses are worthless! There is never a need to make an excuse. The bottom line is. when you make an excuse for not doing something. and approaching your supervisor at just the right time to maximize your chances for success. be definite and defined about the action you will take and when you will take it. the thing you were suppose to do did not get done. Rather than making excuses. Number 3: Making Excuses Excuses are very powerful. Your elaborate reasons will not impress anyone. Lifemoney Currency If failure is always an option for you then success may never be. This is just not acceptable.
timelines and an idea of some of the obstacles you’ll face. I have a good idea of my action steps to reach each goal. That means creating a written plan for reaching a specific goal. 79 . We need to do everything in our power to make them happen. We need to do everything in our power to make them happen. objectives. Lifemoney Currency: Good things don’t just happen by themselves. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. I am ready to create goals. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Let me repeat: NEVER FORGET to anticipate that obstacles will come up. remember that when this process is complete you are ready to step on the gas and head on toward your destiny. and then tally your score. _____ 2. action steps.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. Whatever you do. The plan should list the goal. Being prepared to face them is a huge factor in overcoming them when you meet them.
_____ 9. Just not where you want to go. _____ 6. No excuses: I will not let myself off the hook. I have plans to fully and completely address all roadblocks to my success. 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. I have created a timeline for my action steps that appears to be reasonable. _____ 8.Lifemoney ___ 3. _____ 4. ______5. _____ 10. _____ 7. I have thought about some of the obstacles I may face.” -Brad Turk 80 . I am ready to adopt the mindset of someone who will be successful. I am looking to see how technology can make my life easier. Lifemoney Currency “Excuses will get you everywhere.
you’re right. My favorite is the one where a television anchorman says to the caveman.' it would have made me actually look and feel ridiculous. discovering fire." Overview Success requires the right tools. priorities and commitment. Learn to use these five with skill and you’ll achieve whatever you can dream. time management. inventing the wheel. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. The five tools are focus. 'Good job.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned.” 81 . like walking upright. efficiency. and laying the foundation for all mankind. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen. Yeah. awesome. well done. good point.
successful people use many of the same mental tools – and use them well.stoves.” -Tom Clancy 82 . Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make. cars or computers . If you stop to think about it. Now that you’ve made up your mind to go after your dreams. People use tools to improve their lives. nearly everything in our world is a tool. Just look around you: for the most part we can run our whole lives by pushing buttons that activate machinery to do stuff for us. Whatever the task requires . you need to select and develop the tools that will help you achieve your goals. Though different tools may suit different people best. We create mental tools to help us achieve greatness as well. Technology is just a tool.Lifemoney We’ve been innovating and making tools since we lived in caves. There was a time when people had to be told how to use a telephone.our tools surround us. Here are some of the strategic tools that will help you succeed in achieving whatever you dream: • Tool # 1: Focus • Tool # 2: Time Management • Tool # 3: Efficiency • Tool # 4: Priorities • Tool # 5: Commitment Lifemoney Currency “There was a time when nails were high-tech.
Tools for Success
Tool #1: Focus
Bruce Lee, the martial arts expert and movie star, once said, “The successful warrior is the average man, with laser-like focus.” Focus is something we don’t usually hear about but trust me: it is on the minds of every single successful person. Focus is exactly what the name implies; a narrowing of the lens until we get bullseye aim on our ultimate desire. We live in a world full of distractions. There are more TV channels than we can ever hope to watch, an entire industry devoted to creating computer/video games, four new movies to choose from each week, nearly 200,000 new books that get published each year and nearly that many new CDs. When you add in blogs to read, email to keep up with, instant messaging, cell phone calls, and all of the other daily distractions we deal with, it’s a miracle we get anything done at all! It is extremely important to stay focused on your goals. Don’t be distracted by external things. Distractions and challenges will come daily, if not hourly. These could involve the things mentioned above, people in your life, your job, your hobbies, or just about anything else that comes your way. Look past your obstacles and stay focused on where you’re going. This is how you handle obstacles effectively and keep yourself zeroed in on success. Notice I didn’t say you don’t have to deal with the obstacles – you just simply have to return your focus to your goal as soon as you deal with the obstacle. As you begin to recognize some of the common factors that have been sidetracking you and possibly bankrupting your motivation to accomplish goals, you will develop a clearer mindset on how to avoid distractions in the future so you can steadily pursue your personal vision of success.
“The successful warrior is the average man, with laser-like focus.” -Bruce Lee
Goal Achievement Exercise K
Take out your Workbook. List the typical distractions you face in a given week. From unwanted phone calls to sorting email, write down everything that takes time away from more important matters. Here are some possibilities: • • • • • Yard work House chores Chatty neighbors or co-workers Last-minute errands Television, computer, or video games
Beside each distraction, write one or two ways of seeing through the distraction, as shown in the following examples: 1. Yard work—get the kids to help more; hire someone to do it; schedule certain days for it. 2. Unplanned errands—do what you have to; postpone non-essentials. When you identify your most frequent distractions, you can stay more focused by spotting them early and seeing past them. The key to laser focus is recognizing what
Tools for Success throws you off focus and planning what you will do about it ahead of time. There is no substitute for knowing exactly what drags your focus off point.
“A major part of successful living lies in the ability to put first things first. Indeed the reason most major goals are not achieved is that we spend our time doing second things first.” -Robert J. McKain
Tool #2: Time Management
Imagine there is a bank that credits your account each morning with $86,000. It carries over no balance from day to day. Every evening the bank deletes whatever part of the balance you failed to use during the day. What would you do? Draw out ALL OF IT, of course! Each of us has a bank like this. It’s called TIME. Every morning, it credits you with 86,400 seconds. Every night it writes off as lost whatever amount of that precious, precious time you failed to invest to good purpose. It carries no balance. It allows no overdraft. Each day it opens a new account for you. Each night it burns the remains of the day. If you fail to use the day’s deposits, the loss is yours. There is no going back. There is no drawing against “tomorrow.” You must live in the present on today’s deposits.
Lifemoney Invest it so you get from it the utmost in health, happiness, and success. The clock is running. Make the most of today. Consider the following list which has circulated on email listservs many times. To realize the value of ONE YEAR, ask a student who failed a grade. To realize the value of ONE MONTH, ask a mother who gave birth to a premature baby. To realize the value of ONE WEEK, ask the editor of a weekly newspaper. To realize the value of ONE HOUR, ask the lovers waiting to meet. To realize the value of ONE MINUTE, ask a person who missed a train. To realize the value of ONE SECOND, ask a person who just avoided an accident. To realize the value of ONE MILLI SECOND, ask the person who won silver in the Olympics. Time is far more valuable than money, personal resources, and sometimes even health. Why? Because it is the one thing you can never get back. Once a moment passes, it is gone forever. You have lost the chance to make good with it. All you will have is a memory. If you are wise you put your time to good use – just like you invest money in the bank. But if you are careless then time will be wasted, leaving no significant memories and giving you no investment for future use. Time is the ultimate variable between success and failure. It is extremely rare to find a successful person who doesn’t manage his or her time effectively. Find ways to
While this may be extreme for you. Extra snippets of time come in the most unlikely places. enjoying your family. busy with multiple high-profile projects including a daytime talk show and cookbook empire. If you’re unclear about your objective you’ll be unclear about the time you’re spending. be very clear about what you’re trying to accomplish each day. or browsing the classifieds or eBay for things you don’t need. interesting. only sleeps 4 or 5 hours a night. Second. If you wasted just 30 minutes a day on surfing channels. insists that she. 87 . think of the extra hours you could find just by adjusting to one less hour of sleep per night. driving to the store. Third. talking over the fence to your neighbor. To manage your time better I would suggest four things. Trump: Think Like a Billionaire. Take it a step further and think of how much time we waste every single day. The next time you’re tempted to spend time where it won’t count for much. contributing to the community. minutes. weeks. or useful for others or yourself. days. like building a career. or reaching that goal you think you just don’t have time to reach. months and even years. Rachel Ray. too. finish whatever you start. First. In his latest book. after 50 years you would have spent more than a year of your life “wasting time.Tools for Success manage time well and you become a master of extra hours. Donald Trump suggests sleeping only 4 or 5 hours a night. let alone two or three. Just pride yourself on finishing projects and never allowing them to linger unfinished.” 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. ignore the invitation and do something constructive.
The Shining. the Fourth of July and Christmas. Someone who knows a little something about being efficient is Stephen King.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. You are the only one who can guard your time – no one else will do that for you. It’s a good lesson for all of us: you might surprise yourself 88 . King has consistently published three or four novels per year. energy. Carrie. every single day of the year. Lifemoney Currency “The bad news is time flies. How does one author manage such a staggering number of pages? The answer is efficiency. except for three: his birthday. Fourth. While many consider him the “King of Horror. So even though he is not working 10 hours a day on his books. The Green Mile and Hearts in Atlantis. King has long said he writes at least four hours a day. and Misery. Salem’s Lot. he is efficient with his time and committed to writing practically everyday. money. or any other resource you have available. back in 1974. Remember that your time is your time. Since publishing his first novel.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day.” . the author of some of the world’s most popular novels. The good news is you're the pilot.” the author is also the mind behind movies like Stand by Me. all of them bestsellers and featuring such instantly recognizable titles as Cujo. don’t give into time wasters.
when you get the chance to make decisions. In other words. Everything in life has a price tag. You also should get in the habit of counting the “efficiency cost” of each decision you make. My guess is that you will get more done in four focused hours than eight unfocused ones. some activities are more efficient in getting you 89 . Ask yourself. from time spent with friends to starting a home-based business.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. 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. 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. weigh each one with a view to your goals. Not pushing paper or daydreaming. but efficient work. Let’s do an efficiency exercise. you may need to reconsider that decision. From now on. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. Goal Achievement Exercise L Take out your Workbook.
Using time efficiently is a huge obstacle for many people who are would be success stories. For that reason. decisions: • • • • How much will this cost in terms of money. 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. I want you to realize a few things about time and think about ways you can use your time more efficiently. Ride your bike to work to relax and get some exercise. especially future goals. time.Lifemoney toward your goals than others. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. consider making changes like these to enjoy life now while working toward a better one for the future: 1. or even minor. but efficiency of performance is what wins the game for the team.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. get in the habit of asking questions like these before making major. We often work so hard to “fit in” exercise that we either can’t do it or hate doing it because it took so much effort 90 . In order to focus and spend your time more efficiently. To better manage your time and utilize your time more efficiently. Some things are worth their cost but others can end up draining your resources and bankrupting your investment.
minds. We are not computers. Eliminate the hassle by making something you have to do anyway. you managed your time that week can save you hours the following week by learning from your mistakes. 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. Don’t overfill your “To Do” list. with planning and forethought.Tools for Success to accomplish in the first place. or both. Setting aside one hour at the end of every week to analyze how well. Get a Spam filter for your e-mail. Monitor how you’re spending your time. When we schedule a block of time. 91 . and make any needed adjustment. kids get sick. which can be as little as fifteen to thirty minutes. exercise. Things do not always go like clockwork. 6. neither of which fosters success. cars break down and bosses demand overtime when you least expect it. 5. we tend to perform those tasks more efficiently. spouses need our help. When our “To Do” lists are too full. When viewed wisely. Watch less TV and do something more productive. television can be a valuable tool. Set aside “unwind time” after work or school. like getting to work or going to the store. 4. they often remain unfulfilled. or poorly. 2. most don’t. we can’t perform task after task without stretching our bodies. between important tasks. Many programs offer everything from stock tips to weight loss programs to informational documentaries. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. 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. Unfulfilled lists lead to depression and disappointment.
When we learn to use our time – all of our time – wisely. wishing you could be outside. You get up. lobby lines. Bring a book to all your “doctors visits. and get going to a job so you can take home a paycheck every few weeks. creative people. Think of the day you were sick in bed. we gain not just precious moments but momentum. 9. 8. don’t worry about the rest. “Worry is not thought. 92 . If you’re stuck in traffic. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. even when it’s spent waiting for things. Always carry something to capture your ideas. waiting for appointments. especially when it’s spent in waiting rooms. etc. Mason Cooley once said. complaining is not action. 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. or a car to drive. Use waiting periods wisely. Entrepreneurs. Appreciate unexpected delays.” If we could save all the time we spend on worrying and complaining about things we can’t control and apply it to things we can. I usually use car time to catch up on calls that I need to make. Only focus on things you can control. open the window and enjoy the air.Lifemoney 7. Without those paychecks. 10. the day begins with the priority of going to work and chasing a paycheck. Tool #4: Priorities What are the priorities in your life? For many. you would not have a roof over your head. in restaurants. there would be so much less to worry about. get dressed. Take a break to relax and listen to music.” Never waste an opportunity to learn. food to eat.
Second. 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. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. Choose a priority and be a finisher. The third suggestion for prioritizing. 93 . Don’t do busy work. and take time to spend with the ones you love. don’t spend three hours cleaning your desk so you can get started.” 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. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. complete all the important things at the beginning of each day. something or someone important is going to get short changed. Finish what you start when you start something. You come home to people that mean a lot to you. 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. Focus on one step at a time. In other words. focus on writing and not the collateral activities that might make writing that letter easier. If your goal is to write a letter to someone. Don’t multi-task and try to accomplish too many things at once. You can easily become distracted doing this and usually nothing gets done right.Tools for Success Another priority for many people is their relationship with family members and friends. Then commit to giving your best to your life and to your goals daily.
Mother Teresa. Pay less attention to things that come up but have no relevance to your goal. 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. Sure. Thomas Jefferson. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. Lifemoney Currency “Don’t say you don’t have enough time. But why spend hours handling that task when my time can be put to better use? Last. and freed up some of my time to work on other priorities. my partners and I had a synergy allowing us to accomplish more in less time. I never answer my phone unless it is a call I’m expecting. and Albert Einstein. Sometimes you might want to consider sharing profits or payoffs in order to get needed help. Fifth.” Delegate worthwhile projects that can be handled by someone else. One example from my life is that I pay to have my laundry done. That will only take me away from my priorities. Pasteur. don’t be afraid to say “no. create a sense of urgency for important activities that are going to be meaningful in your life. Jackson Brown 94 . I would often share sales opportunities and business deals so that I would have less work to do. Even though I had to share the profits. Your time belongs to you. it was worth it to me. Leonardo da Vinci. I could do it myself. Michelangelo. You have exactly the same number of hours per day that were given to Helen Keller. Take on only what you want to do and say no to the rest.Lifemoney Fourth. Together. give up the little things that scatter your time and energy.” -H.
I was amazed at his dedication and commitment. besides his normal two week break. a key part of your lifestyle. I learned that through most of those ten years he had worked 10-14 hour days between his job as a paramedic and a bartender! I asked him how he found the time and energy for working out at this pace. we call it a mortgage. he had not missed a single week of working out. Then the real embarrassment came: after going over his working arrangement. You wouldn’t go a whole day without eating. When we make an appointment to see the doctor. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. I have a friend who has been bodybuilding (or body sculpting. you need to make your goals – things to do – daily activities. 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. 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. or sleeping. he told me that he hit the gym five times a week. consistently. When I was talking to him about his workout plan. In the same way.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. it was like brushing his teeth. they make a commitment to the bank. when someone buys a house. would you? 95 . For example. eating. His response was that working out was one of his daily events. However. It was something he had to do. In the last ten years. as he calls it) for over ten years. we feel obligated to keep that date.
488. You have no choice really. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. Follow through. 22. Here’s a breakdown of how things might look if only 99. He went from hanging out and drinking at clubs (I know.2 miles.9% effort will not get you where you want to go.517. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation.200 books will be shipped in the next 12 months with the wrong cover 5. I saw him) to a few months later running 26.200 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 • • • 103.9% effort were given.500 defective personal computers will be shipped this year 2. because a 99.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon. He set a goal and did not stop until he reached it.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268. Daddy's House Social Programs and the public schools of New York City.260 income tax returns will be processed incorrectly this year 2.200 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 . give 100%. Go big or go home. 1.000 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.
Any Given Sunday. often unsafe. He even went so far as to tell Jamie that he “would not waste one inch of film on him. saying Oliver Stone didn’t know what he was talking about. Jamie could have easily walked away.” He did not believe Jamie could pull off the part.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880. wanted nothing to do with Jamie. Jamie was already a 97 .900 will be spent in the next 12 months on tapes and CD’s that won’t play 107 incorrect medical procedures will be performed by the end of the day today 315 entries in Webster’s Third New International Dictionary of the English Language (unabridged) will turn out to be misspelled. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9. The director. Do You Have the Pit Bull Mentality? I think another illustration of how successful people stay committed to what they want is when the actor/comedian Jamie Foxx auditioned for the role of Willie Beamen in the classic movie about pro football. next Thursday and every day in the future on defective. Oliver Stone. tomorrow.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 114.690 will be spent today.500 mismatched pairs of shoes will be shipped this year $761.Tools for Success • 3.
Cooper. they are confident in their abilities and they stay committed until the task is accomplished. First. and he had already done many TV shows like In Living Color. remember to get and stay focused on success. he said that he couldn’t make the movie without Jamie. I heard that after Oliver saw the audition tape. He had his own TV show. He had also starred in several movies by this point. never. But that’s not how Jamie viewed and approached it. Second. So that’s how successful people handle getting something that they want. Moesha and Hanging with Mr.Lifemoney successful comedian/actor. The Jamie Foxx Show. They are humble enough not to think they are too good to put in the extra effort. Roc. Jamie took it upon himself (on his own time and with his own resources) to make an audition tape for Oliver Stone to show the director why Jamie was the perfect actor for the part. -Winston Churchill Gathering the Tools for Success Summary The Five Tools of Success we learned about in this Lifemoney Lesson are all about developing your mental tools to get the job done of reaching your goals. I think it is fair to say that although it turned out to be a great part for him. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . never give up. Lifemoney Currency Never. at that point in his career he did not need the role.
talents. Fourth. Last.Tools for Success second. or hour passes it is gone. and resources. Lifemoney Currency ”Success doesn’t come to you. you go to it. Third. minute. work hard to eliminate the “white noise” of your daily activities and learn to pay attention to the things that are truly meaningful – your priorities. make efficient use of your time. make a commitment to embrace your goals and make them part of your life.” -My Mother 99 .
I am learning to make choices that will lead me toward my dreams. _____ 3. _____ 7.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. Lifemoney Currency ”What you can’t fix. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I am taking specific steps to make better use of my time. _____ 10. I have begun sorting high priorities from non-essentials. _____ 4. _____ 5. I have identified my focus and am ready to pursue it wholeheartedly. and then tally your score. I have evaluated my schedule and am eliminating the time-wasters. I have made a list of the major distractions in my life. change or impact – You can’t worry about” -Brad Turk 100 . I am “do or die” committed to doing what it takes to reach my goals. I am determined to include my goals in daily lifestyle activities. I am taking steps to avoid or redirect or see beyond these distractions. _____ 2. _____ 6. I am willing to delegate some tasks to others. _____ 8. _____ 9.
but just starting down the road to success is one small step for you. You may not feel like you’re making much progress yet. only to find out later that the IRS has seized the bulk of the account. he took on the role of a complicated. to 101 . and one day you look back and you’ll be surprised at where you might get to. Gardner believes he has over $600 in the bank. At one pivotal point in the movie. as long as you are going forward. You add them all up. compassionate and ultimately successful man named Christopher Gardner. one giant leap for your life. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress.” -Christopher Gardner Overview Finally. your plans for reaching your goals are in play. Progress Report When Will Smith played the lead character in The Pursuit of Happyness.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count.
in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. What do I mean by “evaluate his position and adjust?” Hopefully you have already fallen into a schedule of activities that are moving you forward. You’ve decided that you’re going to launch your t-shirt line six months from now. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future.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.500 shirts to local retailers. For example. including printing. It will cost about $5. The resulting loss sent Chris and his young son onto the street. shipping and delivery of the first 2. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. and literally withdrawn it from the account. 102 . let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. it will most likely take months. Busy work doesn’t get it. When things take time. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. if not years.Lifemoney the tune of $600. filled out paperwork for an extension. But don’t worry: patience and paying attention brings progress toward your goal. Instead. you need your plan clearly laid out and a means to track how you’re doing. While the event seems tragic. it’s easy to wander and not finish the essential steps that lead to your goal. to do everything that you want or need for your dreams to become reality.
electronic calendar or some other external system. 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. 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.040 in your money market fund. and you recall spending $300 to get a new bicycle. What happened? Most likely – you made a bad assumption. you simply failed to keep track of your progress. What happened? Well. In this example. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. Was it out of reach? No. shipping and delivery – into place. 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. This messes you up because initially you only needed to deposit $110 in the account each month. or about $160 monthly. Was the goal bad? No. But when you check you notice that there is only $4. We often just assume things are going to work out once we have our plan in place. The simple reality is you need one single visual reminder of what you want. I prefer a big calendar. Don’t forget the map! The solution to this common problem is either a chart of your own making. It’s been a year since you made the decision to launch. This means that you will need to save $960 in the next six months. but by all means use something. Were you on track? Yes.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. but a big 103 .
Let’s find out what they are. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. I monitor them on a grid which I will introduce shortly (these pieces of information can be derived largely from the work we’ve done in the previous goal achievement exercises). and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. I make sure I regularly review my objectives.Lifemoney piece of paper would do. 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. Written goals are powerful. so I’ve broken down my own personal system into five easy to monitor factors. Also. 2. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. Your reminder system should have several key components. I’m addicted to simplicity. 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. List a Goal: This is where I simply write out my goal – one goal per sheet. They are items that need to be accomplished to get me further toward my goal. As you can probably tell. As always. 3. Here are my basic elements: 1. make this sheet physically easy to see as you go through your day. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. It’s important to monitor each goal separately so use a separate sheet/planner for each goal. I write these action steps in clear and direct language using 104 .
How you arrange your grid is up to you. Goal Achievement Exercise M Take out your Workbook. but below is a model that provides an idea of how yours might look. and is a great marker of progress toward my goal. You can find lists of action verbs by doing a quick Google search for lists of action verbs. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. Create a grid that lists basic steps for reaching your goals. I reach my objectives. 4. I will reach my goal. as well as your response to them. a popular time of year for making new resolutions or resetting ongoing goals. creating objectives and action steps. Completion: I always mark the date when I’ve achieved each objective. We’ll start with January.Evaluating Progress action oriented words. 5. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. and keeps you in touch with the realities needed to make your goals happen. If I do all my action steps. Take it out for review often to make sure you are headed in the right direction. the more accurately I can tell if I’ve reached what I originally envisioned. 105 . If I reach my objectives. Closure on my objective always makes me feel good. I have found that the more specifically this is worded. Now it’s your turn. Charting your journey in writing helps to make the whole process seem more real. I am going to use an example of setting a goal of becoming a better golfer in a year.
you can quickly and objectively measure your devotion and success in chasing your dream. I will surf Internet for local golf pros. Check yellow pages for indoor putting green.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. keeping a grid like this one will show at a glance what you are doing. and equipment of golf. to work toward your goal. Call for subscription to Golf Digest. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. Read one golf magazine article per week to learn more. Enjoy the thrill of getting better. Some weeks. Learn terms. I will make the time to sign up for lessons and commit an hour a week to practice. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. When you go back and check your grid periodically. pros. 106 . will be spent revisiting an earlier action step. Even if you don’t fill every moment with related tasks. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. Year-round practice will improve my skills. Outcome I will enjoy my golf game more and feel a sense of accomplishment. you may spend another week in January (or whenever the first issue comes) reading articles from the publication as your action steps for those weeks. and how often. by the way. Action Step I will take 2 hours during the first week of this month to write out my plan. For instance. I will get expert help and assessment.
“You did nothing wrong. Ask good questions Most people want to know what they did right. Fortunately and unfortunately. 107 .” This makes them think.Evaluating Progress If you decide to change your goal for whatever reason. remember to adjust the steps to getting there. Evaluate the input. chances are it is correct. To find out if you’re off track I suggest you find out what you did wrong. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. I liked it all. you are now going to get a few things that they were not that excited about. Make it easier for them to evaluate you by asking the right questions. If you get the same input from different sources. “Please tell me the three things you liked least about what I did. 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. for example. and you found little change in the numbers after a few months. For example.” To get better information ask. If. or instead of. even if that means rotating new activities through the process until you find one that works best for you. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. Find something that works. it also forces them to be specific. This is good. Ask for outside input from people you trust to be honest. the diet routine. you could switch to a physical activity approach in conjunction with.
however.4 billion was thrown out of 2nd grade. Before you open yourself up to criticism. don’t reject impressions just because they are negative. It also lets us know how others see us. 108 . 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. just listen carefully and ask how you can do it better. If you argue or make excuses. In 3rd grade he was sent to a school for mentally challenged children. Keep in mind that not all opinions you get will be accurate. You don’t have to take every piece of advice that’s offered. Don’t be afraid to be off track—or even outright wrong. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2. I’ve been wrong on many occasions. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. You’re allowed to discard opinions if you have a strong impulse that they are wrong. people will stop telling you what they really think and say only what you want to hear. He was told that his best hopes for a career would be as a carpet layer. Analyze the critiques and use them as you see fit. Criticism is good – it lets us see a different side of ourselves. When someone tells you point-blank that you’re going about something all wrong. which is totally worthless.Lifemoney Welcome criticism Some of the comments you receive might include criticism.
For example. • Albert Einstein struggled in high school math. including the light bulb. or an investment agent to discuss planning strategies that can make this possible.W. You might even want to get several opinions and weigh several options before making a final decision. His name was F. taking a personal finance class. Get enough information to provide a clear picture of where you are currently. or attending a money management workshop are additional ways of becoming more knowledgeable. With his creative mind he patented over ten thousand inventions. the phonograph. Woolworth. Before being home-schooled he was kicked out of three schools. and film. or we wouldn't have his incredible. your banker. and how to get there in the most efficient way. where you want to be. far-reaching. he never gave up.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. founder of Woolworth’s and modern department stores. These also help to make sure you have a realistic goal set and that your 109 . His last headmaster said he'd never make it. and creative theory of relativity that has shaped modern physics.Evaluating Progress • Thomas Edison was told he was not teachable. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. His bosses thought he lacked the common sense. if your goal is to retire at age 45 meet with a financial planner. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. • • Walt Disney was once fired for a lack of "good ideas. Yet. that he was a screw-up. Registering for a financial planning seminar. Good thing he didn't.
Watch your goal progress closely Check your daily activities. As you try to achieve your goals. your plan. Some people even use something as simple as notes. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. Notes to yourself. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. Your best skill is your ability to write things down and track yourself. daily steps that carry us the furthest distance. the loss of a job. or meeting someone and falling in love. Are some carried over for long periods of time? Are you making substitutions for temporary pleasures that eat up your time and resources without bringing you closer to lasting fulfillment? Remember that it is the small. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day.K…. a great new job offer that comes unexpectedly. and your progress to see if adjustments are needed for a better chance at a successful outcome. a death in the family. as long as you continue to make steady progress. Above all remember. Either is fine.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. you still have time to adjust your plan to maximize your chances for success. keep track of your progress. this is the time to reevaluate your goal. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. O. If not. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. you may get off 110 .
There are some very good action steps you can take to get yourself going again. Here are some examples to get you started.” “You’re attitude is bad.” “You’re always late. properly aligned and refocused. We’re going to address some of the internal areas that may get you off track to achieving your goals. You stop exercising or you start watching a new television series that leads to another new show to another and to another.Evaluating Progress track too. Goal Achievement Exercise N Take out your Workbook.” “You’re stubborn and won’t do as you’re asked. “You always complain and never offer solutions. And don’t forget that sometimes you get off track due to internal factors rather than external ones. and then outline action steps you can take to address these. 111 . Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time. Then move on to do the same with larger tasks.” “I have to constantly watch you because you waste so much time.” “You work slowly. The faster you uncover the weakness within you and address it. the faster you can get on your way. take this information and use it to your advantage. • • • • • • • “You have trouble following through to get things done.” Rather than being upset or offended. Don’t beat yourself up for being normal. List the five most common criticisms you hear about yourself.
Be honest in soliciting opinions from others and acknowledging your weak areas. daily pieces that when completed will gradually accumulate and lead to success. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. • • Finish the task at hand and ask for something to do next. Keep these keys in mind: 1. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. Then be proactive in making changes to benefit yourself and others.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 big tasks into smaller ones: If you are failing to achieve each of your outcomes. gut-level honesty. Write down the smaller. I strongly suggest that if you break your tasks down into smaller. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. Especially honesty with yourself about your own weak spots. Fortunately. break the goals up into smaller. come up with a clever solution to some problem the boss is having. there are many things you can do to address problem areas and turn them around to make negatives into positives. If you don’t make notes of how you’ve broken down your duties. Being honest with yourself is a powerful tool. Better yet. 2. you will lose track and wander in pursuit of your goals. more doable chunks that you make note of it in your planner. more specific steps you 112 .
Work on replacing a bad habit with a good one each month. weekly. as well as find inspiration to help you continue to achieve your goals. you will be amazed to see how much you’ve actually accomplished. i. etc. take personal responsibility for the difficulties encountered in your quest. f. c. daily. Contact at least one new potential employer each week. (I speak much more about this in Lifemoney Lesson #6. Resourcefulness). Whatever you do. Review your written goals more regularly (hourly. Have a weekly date with your spouse or child to improve family relations. d. j. Seek out successful people for advice: Free advice is all around you. h. Learn something new related to your goal every month. e. and be willing to make the necessary changes that will help to ensure success.) g. Save at least $10 per day for an average of $300 per month or $3600 per year. Stop and reflect on your life more often: When you stop and reflect on your life every month or two.Evaluating Progress intend to take. 3. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. Make one sales call daily at least five days per week. b. Seek it out and you’ll find more encouragement than you’ll be able to handle. Meet with your mentor every other week for feedback. Check out at least one set of blueprints for your dream home each month. Here are examples of small activities that can be conducted daily. 113 . Read a self-help book related to your goal. 4.
realistically – and often. take a short break to renew your mind. Make a visual reminder – like the grid I use . Every success story is written with dozens of action plans that were brought to fruition through focus and commitment.Lifemoney Lifemoney Currency “The price of greatness is responsibility.to determine what you are able to complete on time. If you feel that you are unable to follow the timeline or stay with the quest. plan to re-assess your progress.” 114 -Brad Turk . To tell the complete story. and then give it all you’ve got! Lifemoney Currency “Dreams are real. Come back to your journey when your batteries are recharged. but that’s fine as long as you don’t abandon the journey. If anything has changed since you began the quest. living. factor it into the equation. Do this assessment frequently. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you. evaluate your progress thoroughly. You may have to revise your daily or weekly goals from time to time. as well as anything that remains unfinished. After taking action steps toward your objectives and ultimately the goal.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere.
_____ 4. and then tally your score. _____ 10. along with my progress at regular intervals.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. _____ 9. I will create a grid for recording action steps that lead to my objectives. _____ 5. I will solicit feedback from experts. I will invite and accept criticism that is given with a view to helping me. I will reevaluate my goal. _____ 8. _____ 3. _____ 2. Lifemoney Currency “Be consistently consistent. I am going to regularly check my progress toward reaching my goals. I have the names of several people I trust to give me good personal feedback. In gathering feedback I will ask good questions. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I will check the grid periodically and make any needed changes.” -Brad Turk 115 . _____ 6. I will be quick to admit my weaknesses _____ 7. I will make efforts to change or eliminate bad habits.
had to create his own destiny. This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. knows firsthand what it means to be resourceful. When things don’t go as planned. everyone encounters resistance along the way. It’s how you handle the resistance that leads you to success. and we can endure much more than we think we can. Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). whose net worth is estimated to be $320 million. 116 . who was brought up in the Marcy projects in Brooklyn.Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe.” Overview Everyone struggles to meet their goals. We are stronger and more resourceful than we know. you need to look for other routes or means of help. Sean.
including Kanye West. Other ventures of his are Armadale vodka.Resourcefulness When he first started out. with 18 Grammy nominations and 5 Grammy wins. Jay-Z became one of the most respected rappers in the music industry. under it. the 40/40 Club in New York City. How resourceful are you? Could you overcome adversity by thinking not just “outside the box. Carter line of Reebok sneakers. around it or. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. In addition to becoming the President of Def Jam Recordings.” And that’s what he did! He co-founded Roc-A-Fella Records. he needed to be a businessman as well. Sean was unable to get a record deal. right smack through it? As you begin your journey to reaching your goals. part ownership of the NBA New Jersey Nets and the S. Being a talent was not good enough to attain his success. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. you might be filled with 117 . “I was forced to be an artist and a CEO from the beginning. which eventually shaped his destiny. he also expanded the Roc-A-Fella empire. which includes Roc-A-Fella Films and Rocawear . He has a willingness to find any way to achieve his goals.a very successful clothing line. No one seemed to be interested in his music or recognizing his understanding of the music business. in some cases. When faced with resistance he responded by finding solutions to his problems. but the careers of many other superstars.” but over it. which launched not only his career. 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.
You may be thinking. turn on the light. Lifemoney Currency "I've found from past experiences that the tighter your plan. What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. They might come from your creative imagination or perhaps from the lives of other people. 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. The resources you’ll need to tap into can come from inside yourself or from around you. With a little bit of effort and some common sense. You’re going to need to be resourceful no matter how much you have going for you. or mediocrity and brilliance. you can find resources that will make all the difference in your search. Either way. do surgery with a pocket knife and 118 . run some cold water over your hands. then slap yourself in the face. Successful people never hesitate to look for resources that can mean the difference between success and failure. and I know exactly what I have to do to reach my goals. “I’ve never felt better! I have a sense of purpose. This lesson points out some useful resources and answers for the troubles you will encounter on your journey. the more likely you are to run into something unpredictable." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts.Lifemoney confidence.
he could always find a fix to any obstacle he faced using just what he had around him. Take the time to take stock of the situation and think on your own. wild and fun solutions. 119 . I want to make four suggestions for being more resourceful. and when it comes to succeeding in your life. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. expensive. These are four ways of thinking that have made me a better businessman and human being. He was the picture of resourcefulness. and then brainstorm big. Take stock of the situation to see what you can do. only to be told something you already knew? Often.Resourcefulness make a computer out of duct tape. Take time to jot down problems for which you’re seeking solutions. 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. resourceful problem solvers are some of the most open-minded thinkers I know. and realize that often the reason you’re stuck is because you’re not thinking big enough. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. You’ll have to learn to let your mind go in this fashion. The trick is to keep your mind focused on what you want. even if you’re unsure of the outcome. Though you may not end up being MacGyver. You can always do something. Be an open-minded. 2. you must be the same way. Relax and think: don’t let the complexity of a problem paralyze you. but the natural resourcefulness of your mind will reward you with many great and doable ideas. big thinker. Did you ever consult someone about a problem you were having. Clever. He was never played out.
120 . however works best for you – and then review them every once in a while to see if there is one you can implement. When attending a high-power meeting I’d take along a good friend. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. Don’t look at life with the jaded self-knowledge of an adult. I was trying to launch my business and wanted professionals and industry experts to take me seriously. big thinking I created a great solution. over a microphone to your computer.Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. Once the perception piece of the introductions was achieved. out-of-the-box resource idea and it worked. I look a lot younger than my real age. but walk with eyes – and ears – wide open. I looked nineteen. Instead of focusing on what I could not change—my appearance—I worked on another aspect I could change by taking along a friend who helped to balance my looks. I have a baby face. Make sure you capture those ideas somehow – in paper. As a team. Be a pest. At twenty-five. George. Become four years old again. ask over and over again. This was a problem. Don’t be afraid to ask questions from people who know. George and I appeared to meet expectations for maturity and sophistication. It was a big thinking. 3. As you can see on the cover of this book. who was middleaged and looked more of the part I needed to play. 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. That’s how you learn. And when you come up with all those big thinking ideas – capture them. and in a moment of wide-open. I was able to pitch my products and services to an open ear.
hoping to master the computer in one easy lesson or not at all. 4. I see problems. 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 want to paint. You want to know everything. You love to learn. And in my experience. you can’t know everything. It was taken from the web site http://members. I see danger. You see steps. you see colors. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. I've forgotten how to laugh at blunders… 121 . I struggle to learn. You want to climb the attic stairs. With wild abandon you tackle new words. Book is your favorite word. Look for solutions in the most unlikely spots.Resourcefulness You don’t know everything. You find laughter in mistakes. I find embarrassment. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. You are only two. new skills. Questions are your favorite tools. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. Here’s a thoughtful letter written to a child from her grandfather. My dear granddaughter Hannah.htm. I see mess. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about.ca/athomas125/hanna.shaw.
You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. or information you can’t really use.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. tomorrow you will tackle cauliflower with the same exuberance. and though you dislike it. But that comes with the territory. After talking to one resource person or another. Sometimes you may not know where to begin the quest. And learn to ask better questions and be a better listener. I love you for who you are! Grandpa Dan Dear Lord. you might be given all sorts of misleading ideas. These could be friends. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. 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. and relatives who may have an idea or solution to your problem. Ask questions that seek out detail rather than just yes and no. 122 . You walk right up to a stranger and smile.Lifemoney You are courageous. Keep Looking . neighbors. if it's not too late. asking questions about their perspectives and ideas. Look around for success “MacGyvers” hiding in plain sight all around you. I stick with the familiar favorites. Talk to people from teens to retirees. When you’re listening to an answer. help me to grow up and become just like Hannah. Just keep going until you find the information you really want.
That’s the beauty of the modern world. Don’t be afraid to use all of the resources available to you to gather more resources. often at the press of a button. In a larger bookstore chain. Here are four incredible resources. you can just read while you’re there. If not. You don’t even have to buy the books. You can even use full sentences to pinpoint the closest data to your topic search. If you don’t find an exact match. Instead of sitting in front of the television or playing video games. spend your time searching for buried answers. try different variations of the same words until you find what you are looking for. There’s no better or quicker way to 123 . Look at the jackets and back covers for ideas about whether a book will be helpful. Whatever your needs or interests. technology is bringing us closer together. you should be able to find worthwhile reading. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic.Resourcefulness You probably won’t find everything you need in your back yard. 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. ask a store associate to order materials for you. find a seat at the café. buy a cup of coffee. and read a recent biography of someone you admire or a book on a topic related to your goal. spread far and wide. 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. Even as there are more and more of us. All you need to do is pick a search engine (I use Google. But you can go anywhere you want and talk to whoever you like.
Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. You can also get audio books. 124 .com) where they constantly have well known speakers. In New York. and videos. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. Toronto. magazines. and Los Angeles you have the Learning Annex (learningannex. but you may learn a few things from the expert while you participate in the webinar. borrow books for free at the library. 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. Many companies offer free webinars with noted experts in a particular field as a way to sell their products. You don’t have to buy the product. Most libraries offer this type of service for free. San Diego. Minneapolis. 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. movie producers and music moguls at your disposal. Check your local area for something similar. If your library doesn’t carry a book you want see if they can get it for you from another library. San Francisco.
It is idling in you right now. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. They will teach you how to become financially secure and independent. Ask the people around you what they know about New York. find out all you can about life in New York and the companies or groups associated with this new job in New York. you will be able to learn from the experts in that field. One life changing piece of advice can make you thousands if not millions. waiting for the chance to drive you toward solving your challenges and meeting your goals. For example if you’ve challenged yourself to get a great job in New York City. Be 125 .Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money.” -The Learning Annex Promise There’s No Need To Grow Up Remember that excited feeling you had as a kid when you started school? Remember that wonderful anticipation of what you were about to learn or do? You were probably thrilled at the thought of becoming smarter and impressing Mom and Dad with good grades. Read books and look for television programs. That thrill of learning still exists inside you today. or showing off your playground skills to other kids.
Learning new things is virtually guaranteed. the internet provides an opportunity to meet many like minded people. Listen first. • Online Special Interest Groups. find a writer’s group or a reader’s club. Often we outgrow our friends. volunteer at a local official’s office and see how it works. like minded people that share your intensity in life. No matter what your interest. Check with a local community college or university branch campus for information about these classes. Rather than ditch your old friends. work on building friendships with new. • Take a non-credit class. Consider joining 126 . To run for civic office in a few years. then ask lots of questions. If you’re planning to write a novel. suggest that it be taught in the future. 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. specialized courses that often cost under $100 and run over a day or several weekly classes. If they don’t have one you want.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. Over time our interests drift and friendships change because your interests no longer match. Those friendships can form quickly and be lasting. Most colleges – especially community colleges offer informal. • Join a special interest group. and provide you all kinds of problem solving resources.
or subscribing to a mailing list of like minded folks. Consult a community resource center 2. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s. such as: 1. Online chat room--. Join an online chat room 3. Wednesday and Friday. 2. such as: 1.this week I will seek out one interest group related to my goal 127 .” -Bill Gates Goal Achievement Exercise O Take out your Workbook. assign timelines in which you will visit these places.Resourcefulness an online community. List three places where you can go to find some information that will further your ability to be resourceful. Visit a local learning annex Once you have these three written down. Community resource center – attend evening sessions from 8 to 9 Monday. reading blogs about topics that interest you.
look for experts in your field. D. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. and found resources anywhere – and everywhere – he could. “Already a shrewd businessman through his two paper routes.” There he swept floors and kept his ear to the ground. you might as well think big. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. This is someone who will work with you to set goals and help you make plans for reaching them.C. Lifemoney Currency “If you are going to be thinking anyway. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad. But Combs was an avid listener. Uptown Records. If you’re planning to write a best selling novel. According to Answers. those who have already accomplished what you want to do. learner and observer.Lifemoney 3. learning the industry from the ground up. Combs applied to Howard University in Washington. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings. and while attending. contact authors whose writing style you like and ask them for tips on 128 . Before he became known as Diddy. Like Diddy..com.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. Sean “Puffy” Combs worked in thankless jobs like the rest of us.
Always be prepared and don’t waste anyone’s time. don’t be surprised if some don’t return your calls. When learning from the experts. Go straight to those who know the ropes and can share a bit of wisdom. videos. You could contact publishers. and who won’t turn their backs when you need help. There are actually some fields like the music industry where the only path to a real job is to intern. before you speak to them. too. get some books about famous people who have already made it in the area where you want to go. and other information that might hold clues to the reasons for a person’s success.Resourcefulness getting published. Learn it first then conquer it. Don’t rely on your own expertise. Try other people or be persistent with the ones you really think are important for you to meet or talk with. interviews. And. take a job as an intern like Diddy. find out what not to do. Ask questions like. libraries and the Internet are valuable. too. Books. If you’re a student. Or look up a local leader that you might be able to interview or job shadow. Look for people who can provide guidance. and find out what keeps them going strong as well as the things that hold them back. Don’t fight the system if you don’t have to. Look up biographies. 129 . Make sure that you research these people and their companies. 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. and look for readers that can tell you what they look for in this type of book. If speaking directly with an expert isn’t likely. but people are the ultimate resource. if applicable. Avoid their mistakes.
You’d be amazed how many talented people you already know that could help you along your journey. List three people that you will contact for assistance. 130 . Never forget to take advantage of your network of connections.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. think of key resource people you already know from your past and your present. No matter what sorts of challenges you face right now.Lifemoney Lifemoney Currency “If I have seen farther than others. 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. Using the people skills that you will learn in Lifemoney Lesson #8. it is because I was standing on the shoulders of giants.
small and large. But there is. 131 . every one of those people was a resource in creating his latest masterpiece. always tomorrow after you have done your best to achieve success today.Resourcefulness Lifemoney Currency “Remember you will not always win. Try to count how many names are listed at the end of the film. services and know-how you need to create Lifemoney. the most resourceful individual will taste defeat. that can put you closer to reaching your ultimate goals. Some days. reach out as often. in this case.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. Very few people succeed entirely on their own. but stick around for the credits after his next movie. Stephen Spielberg. to get the information. It’s important to utilize every opportunity. Don’t limit your dreams by limiting your scope. might be the director. and as far as necessary.
school or online special interest group. I will keep my eyes open for a mentor. _____ 9. _____ 4. I will take a class or seminar related to one or more of my goals. I say. _____ 3. ideas. I will enthusiastically seek information like a kid.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with.” 132 . I will network with people I know to find expertise beyond my circle. I will read new material that relates to the pursuit of my goals.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. Searching and learning is where the miracle process all begins. Learning is the beginning of health. Lifemoney Currency “Some people say it’s not what you know. _____ 1. I plan to visit a library. giving yourself 10 points for each checkmark and 0 points for any left blank. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. find the people you need to know and introduce yourself. _____ 6. and observations.Brad Turk . I believe learning is the beginning of wealth. I plan to read an autobiography of a famous leader who inspires me. and then tally your score. _____ 2. Learning is the beginning of spirituality. _____ 8. _____ 10. _____ 7. but who you know. _____ 5.
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. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. He bought the property in 1977 when that part of New York City was in terrible shape. asking big and avoiding the herd mentality. They are your real wealth. objectifying your goal. These include visualization.Creativity Lifemoney Lesson # 7: Creativity “Rules? Hell there are no rules! We’re trying to create something here!” -Thomas Edison Overview I have built this book around the idea that your personal qualities are like money to you. directly across the street from Grand Central Station. Trump had no 133 . looking at things from a different perspective. your Lifemoney. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you.
Lifemoney other major properties at the time and was told that this was not only “out of his league” but would prove to be “a terrible investment.” Even though he was only 26, Trump’s imagination was endless and he saw something nobody else saw in that property. He was sure the city would eventually revitalize the area and that building would be a goldmine. But Trump did not have the wherewithal to do this deal on his own. For most people, the dream would have died there: no money, no deal. Not for Trump. Donald could clearly imagine a major hotelier working with him on the property, and convinced Hyatt to manage the property. It became the Grand Hyatt, with Trump and Hyatt owning the hotel on a 50/50 basis. But that wasn’t even the best part of the deal. In addition, Trump got Hyatt to agree that it would never manage another hotel in New York City. Trump was so immersed in his creative ideas for real estate that he would ask for outrageous things without thinking anything of it. These weren’t outrageous requests to him, just obvious ones. This boldness was born of creativity. It was a mindset that drove him to propose many more innovative projects. It is this type of can-do, creative thinking that, if adopted, will give you an edge in reaching your goals faster. As Trump shows us, imagination, creativity, brainstorming and audacity are some of the mental currencies of success.
“Man’s mind stretched to a new idea never goes back to its original dimensions.”
Goal Achievement Exercise Q
Get out your Workbook. Pick two goals that you have listed in Exercise F, and come up with a different and creative way that you can bring yourself closer to that goal. Do not use any ideas that you have had in the past or seem conventional. Really stretch your mind and look at achieving the goal in a new way. Read over your ideas, ignore the thoughts that these are impossible. Can you use your resources differently to make one of these impossible steps a reality?
“Don’t play what’s there; play what’s not there.” -Miles Davis
Dream It, See It, Do It!
Let’s use a creative approach that many successful people have used to expand their thinking. This may seem strange if you’ve never done it, but it’s called visualization. It involves creating pictures and movies in your head of things you want. For example, picture a snapshot of yourself on a cruiser yacht in the Caribbean, or taking part in a board meeting of a prestigious company – maybe even your own company. See that smile on your face? You’ve made it—you are living the dream in your mind. In this way the practice of visual creativity helps you own the feeling of success and generates more energy within you. 135
Lifemoney Walt Disney was famous for saying “If you can dream it, you can do it.” Nobody knows that better than Arnold Schwarzenegger, famous bodybuilder, actor and politician. Arnold always understood the power of dreaming and reaching for what you want. He grew up in Austria and he dreamed of leaving his homeland to pursue the goal of becoming a world-class bodybuilder. Years later after he reached that goal, Arnold visualized becoming an American film actor. Dreaming big once again it didn’t take long for him to meet that goal, too. His next dream was to hold public office in a country where he had not been born. Arnold continued building on his natural skills by visualizing many things. Today, Arnold Schwarzenegger is Governor of the State of California. He dreamed big, developed needed skills, watched for opportunities and followed his heart to become everything he wanted. In fact I saw him interviewed on television recently and he was sharing the fact that he’s not yet done dreaming. He has more, and when the governor’s gig is up he’ll be moving on. If you want to see a ‘dream it and do it” guy, watch Arnold. In your mind’s eye, walk through a typical day exactly as you want it to be. Who do you talk to? What do you do? Enjoy the mental image of your success by capturing each detail as a memory to motivate you when the going gets tough. Be patient and build that mental motion picture carefully. Rather than becoming overwhelmed by going from 0 to 60, use your creativity to visualize your daily activities, the house you plan to live in, where you go to work, what your days consist of, how it feels to go home; when you spend time with a spouse, kids, boyfriend/girlfriend, or family; where you go on vacation, what car you drive… Does
Creativity creating success in your mind make you excited, impatient, and eager to get started? This is the power of creativity to motivate you and form your life.
“If you can dream it, you can do it.” -Walt Disney
Goal Achievement Exercise R
Take out your Workbook. Rewrite two of your goals from Exercise F and actually see yourself achieving them. Make your visualizations into a mental movie where you’re seeing what you’ll see, feeling what you’ll feel and hearing what you’ll hear. You might have to get yourself into a quiet place to get all these senses activated, but do your best. When you’ve spent several minutes experiencing the visualization “movie” of your success, write a sentence or two in your Workbook about how the experience expanded and changed your thinking.
Five Creativity Factors
Let’s take all that we’ve been discussing over the last several pages and summarize it into some basic principles. When you are creative you: 1. Use Visualization to see your goal and watch yourself accomplishing it. 2. Objectify your goal to build a pathway to success. 3. Learn to look at things from a new perspective. 4. Ask big.
it becomes more tangible. so keep your thoughts positive and stay focused.Lifemoney 5. See yourself inspecting the houses. Notice even small things like the shoes on your feet and the color of your clothes. and telephone. Avoid the herd mentality. Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. noticing colors of paint and the condition of the neighborhood. 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. Visualization is when you mentally create an image of yourself accomplishing the desired objective. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. it’s time to shift gears and visualize it. imagine yourself doing it. If you want to operate your own business instead of working for someone else. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. For example. Now. Picture your home office with all the things you would use in a public office—computer. You’ll work out the bugs of a process that will move you closer to your goal. copier. Your body will do what your brain focuses on. What’s it worth to you? When you’re ready to give up on your dream. this proven 138 . fax. if you want to get into real estate. or when it becomes increasingly difficult to see yourself in the winner’s circle. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. step by step. This isn’t fantasy or play-acting.
Why? Because you will create whatever you’re visualizing. Look at your workspace. your accomplishments and your dreams? Some 139 . To date. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. Do what you can to make a real “object” out of your goal. Take responsibility to hold those images in your mind. and I still have the toy versions to help me remember to make my dreams real. good or bad. Lifemoney Currency “Visualization is daydreaming with a purpose. I have had both of these cars.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. Those that fail to reach their dreams are often letting their positive visualizations vanish. but our brains respond better to the real thing. There is no substitute for keeping the proper image in your mind at all times. whether at home or at the office. Acquiring anything starts with imagining it constantly.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500. Do you keep a special object to remind you of your roots. an action you take. Sometimes having that physical object can help make an abstract idea seem more real. That is a conscious choice. I kept miniature models of these cars in my room as a way to make my goal “real” and be an incentive of what I was working for. All success starts in your mind.
This is especially important in creating objects that represent your personal goals. Real objects have power. seemingly insignificant object that reminds you of something very important. and she keeps it near her heart as a reminder of how much she misses him. 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. Queen Latifah wears a key on a chain. Who do you think is more positively driven? Around her neck. it should be something that reminds you of and keeps you motivated to achieve your dreams. Chances are you have a framed photo. It also keeps her motivated and helps as a reminder of how precious life is. The object for your personal goal might be something that brings to mind your dream. the one he died on. or another small. Whatever you choose. start collecting those things and placing them around you. and how important it is to enjoy every minute. whether past. A miniature horse that fits in your palm could be the symbol of your future breeding farm. an award or commemorative gift. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. 140 . If you don’t. Dieters sometimes buy clothing in the size they want to be rather than what they are now.Lifemoney people have desks covered with trophies and some have desks covered with bills. The key belonged to her late brother’s motorcycle. present or future.
I put that check in the casket with my father because it was our dream together. just before Thanksgiving 1995. crunched some numbers and while we were sitting down for coffee afterwards. Although I loved the building and the area.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. His success is attributed to seeing what’s not there and being open minded about what can happen. From his perspective it was good that the place 141 . And then. my friend saw as a positive. manages some and sells the others.” But David wasn’t quite ready to leave. What I saw as a negative. He buys a lot of properties. After bothering the agent. I thought I knew something about real estate and I asked the agent how long the place had been on the market. He asked more questions. the actual apartment was terrible. that was it for me. it seemed I got the truth out of him. I put it in my wallet and it deteriorated. Well. I looked at my friend as if to say. “We’re out of here. he explained to me that this was a great deal. I found out I was going to make ten million dollars for Dumb & Dumber. and he informed me they had been trying to sell it for over a year. It looked like a hurricane had come through and no one bothered to clean up after.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995. I remember him helping me out once when I was looking for a small rental property. When we went into the place I was very disappointed.
Although Liz was happy with the money she made and her success in what she did. does medical billing and is the office manager for a doctor’s office. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open.000.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. You can do this in your own life. 142 . Creativity Factor #4: Ask big There is huge power in learning to ask big. How? We were able to get the price from $165. My girlfriend. it appeared that I would be buying a $200. So try! It is a valuable lifemoney skill that can translate into big cash money. Most people who walked in there did not see the value of the place and could not picture what the place could look like.000. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. 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. Anybody can see what’s obvious but only a few can see potential. she really wanted a more flexible schedule.Lifemoney was a wreck and was on the market for so long.000 co-op for $175. You know why? Asking for big and bold things always generates creative new ideas and usually uncovers a solution to your problem that you might not have thought of. After David did the math with me. She is good at her job and has been with the same company for over 10 years.000 and after spending $25. She envied my work schedule and the fact that I could arrange my days as I saw fit. By shifting perspective. David helped me to see the real value of that deal.000 down to $150. Liz.
Creativity When I encouraged her to suggest something new to her boss, like a more flexible schedule, she was positive he wouldn’t go for it. But rather than just forgetting about the idea, we sat down and actually listed some very big possibilities she could take to her boss. Specifically we asked ourselves “What might her boss go for?” We made ourselves think outside the box. This thought process alone allowed us to quickly figure out a few adjustments she could make to maintain job duties and still free up some time in her weekly schedule. Then one day at work Liz asked her boss something big. “I’ve figured out a way to work even more efficiently,” she began. “Oh, yeah?” her boss asked. “What’s that, Liz?” “If I work a day a week at home where it’s quiet, I can get more billing work done without the distraction of answering phones or coworkers’ questions. I’m sure I can work faster, which will save the company time and money. Can I do it?” Now do you think that was easy for Liz to ask her boss? No way. But she boldly asked a new and surprising question. And guess what? Liz’s boss agreed to give it a try, and now she has more flexibility in her schedule. She has a day each week for personal errands and her son and on that day she works the hours that she sees fit. Even when it seems like the odds are against you, asking bigger and bolder questions can be a huge source of inspiration and possibility for you. When I worked at MCI, through hard work and utilizing the Lifemoney lessons in this book, I became the number one salesman in the country. My problem was that I knew I preferred working from home without a boss breathing down my neck. But my boss really wanted me to work out of the office in the more standard corporate way. Rather than just giving in to this expectation, I asked myself a bigger, better and bolder question: what would the boss
Lifemoney go for? I decided that I would go to him and candidly explain my vision, how I worked best and how we could make this work for both of us. I set up an appointment with my boss and I explained how much more productive I was from home and that I had two more hours in my work day by eliminating the commute it took to get back and forth to the office. All I had to do was point to my sales results, and my “work from home” sales pitch spoke for itself. I showed that I was able to do my job the way that made sense to me and worked with my personal schedule. I wound up only going into the office a few times a month. I took a standard practice of almost all corporations of working the typical 9-5 office job and turned it into something that worked for me. An enormously big opportunity for me began by asking a big question: “What’s possible here?” Asking big is not only a creative way to think, but when you take the short step of sharing your creativity publicly; profound things will start to materialize. Get in the habit of asking big. Even if it doesn’t work, you’ll be a step closer to finding the solution that will work.
Creativity Factor #5: Avoid The Herd Mentality
There is an old saying that “if everyone is doing it, it’s probably wrong.” We are herd animals, and often where the herd is going is not original or creative in any way. Successful people are more often those who are willing to dream about going another way. It is always best to have some foresight and try to do what has not or is not being done. That’s not too say that you can’t make millions or find happiness doing things that have been successfully done in the past, but the pioneers will usually capitalize the most.
Creativity In addition, you also have to be careful not to jump into a fad or in something that has already reached its peak. The perfect example would be all of the late comers who tried to break into the real estate market – well after the bubble was set to burst. Read what Robert Kiyosaki, author of Rich Dad Poor Dad says about the stampede that took off after the real estate boom. “In 2003, every fool was getting into real estate. The checkout girl at my local supermarket handed me her newly printed real estate agent business card. The housing market became the hot topic of discussion at parties. ‘Flipping’ became the buzz word at PTA meetings. Homes became ATM machines as credit-card debtors took long-term loans to pay off short term debt.” And now the papers are filled with stories of people who followed the herd and ran off a financial cliff. Once everyone is doing what you are looking to do, it often makes your goal that much harder to attain. Again, this does not mean that it can’t be done. It just means you will have to work that much harder and smarter to get your results. You don’t always have to do things the traditional (Herd) way to get it done. If you want $5,000 to buy a speedboat, do you have to start with a basic savings account? Are there other ways you could raise that money? You could: • • • • Sell used items you no longer use -furniture/tools on Ebay. Downsize to a smaller house or less expensive car. Create shares of the boat and bring in partners Get a second, part-time job.
Lifemoney While all, some, or none of these options may work for you, the point is to try to go in the opposite direction of the herd when the herd has been going in the same direction for a while. Back to my main man Donald Trump: many people thought he was born into his millions, or that he came by his wealth easily. The opposite is true. Donald’s father, Fred Trump, had to help support his family and started a construction business in Brooklyn, New York. Donald spent a few years working out of the same office as his dad. When he eventually decided to get involved in real estate, he did so with a limited budget. Though he had very little money, the first thing he did was to become a member of an exclusive New York club. He used his membership as a way to make contacts. That’s pretty unusual and not what a herd thinker would do. Who ever thought of starting a business by joining a club? Most of us would wait until the company was established – probably even well established - before developing business relationships. Trump took an unusual route to success, and it paid off.
“You see things; and you say, ‘Why?’ But I dream things that never were; and I say, ‘Why not?’ ” -George Bernard Shaw
and then figure your score. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Remember that one of the most important aspects of creativity isn’t seeing what’s there. Take the time to evaluate your situation and try a creative approach. I have objects around me that symbolize the success I seek. Engage your creativity now by taking stock of your situation. 147 . _____ 2. and invest the energy in some creative thinking about going after the things you want. I can visualize my success through a variety of mental pictures. Don’t let yours go to waste. but seeing what’s not there. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. _____ 3.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. I seek out new perspectives to old problems.Creativity Creativity Summary Why wait for your dreams to happen when you have more time? You will probably never get more time to chase them than you have right now. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. Lifemoney Currency “A problem is a chance for you to do your best thinking. Make the time. _____ 4. 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. _____ 5.
_____ 8. _____ 9.” -Brad Turk 148 . I know when I ask boldly. _____ 10. I keep asking bigger questions to spur my creativity. Lifemoney Currency “Just because something isn’t being done. I will use creativity to help me attain my goals. I make detailed mental images of what I want. _____ 7. I avoid the herd mentality at all costs. doesn’t mean you can’t do it. great possibilities are created. hasn’t been done or looks like it can’t be done.Lifemoney _____ 6.
if people get better at these people skills. 149 . professional and powerful way will not only aid you in achieving your objectives. 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. For almost any goal you may have. getting others involved will be a major key to your success. 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.People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. So learning to interface with other people is vital to realizing your goals. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. Using people skills in a competent.
I had a salesperson who was one of the most charismatic people you could meet. and he needed a couple of days to 150 . I worked as a manager for a short period of time. Using my Lifemoney Lesson # 8. I knew first hand. During that time. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. I quickly realized that to deal with people effectively you really need to understand what motivates them.Lifemoney While I was at MCI. that one of the biggest problems in how they managed was that they had a uniform way of doing things. that same uncle died again. On the other hand. Amazingly. Their “House Rules” were specific to how they thought a salesperson should be. He was always late. I had one rep who was just like I was as a salesperson. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). He once told me about his only uncle. who he missed that had passed away about a year before. I provided them the resources to work in an environment where they could thrive. They were men and women of different races and backgrounds. I knew she was a hard worker. that we are all different and had different needs. from being a salesperson. that she would get the sales in. I saw from past managers that I have had. He had so many excuses that he was losing track of them. I was managing a staff of 8 sales people who all had extremely different personalities. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. hard working and considered her sales position as her own small business that she was managing. She was self motivated. and that I could not work her harder than she would work herself. I did for her what I wanted my sales manger to do for me – I stayed out of her way. out sick. As an example. or had an excuse for something going wrong.
you need to know what their needs are. I micromanaged him.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. Are you a people person? Few of us respond to every situation in perfect form. especially when it comes to dealing with people. but it allowed me to really connect to my reps and form lasting friendships. some I still have to this day.People grieve. So to get the most out of people and to win them over to your cause. and told me that he needed that treatment to get him where he wanted to go. Lifemoney Currency “Shared joy is a double joy. Be as specific as you can. Not only was this experience a financial success for me. Shared sorrow is half a sorrow. Anyway. He later thanked me for helping him. Think of a past problem you had with a specific person. and at least once every day gave him a swift kick in the ass. I treated him how he needed to be treated. 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 .
Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. Success doesn’t happen by accident. Step # 1: Be a Good Listener People want to be heard and understood. 152 . Conversation involves someone speaking and someone listening. Lifemoney Currency “Every one of us gets through the tough times because somebody is there. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. or rhythm. of preparing yourself to deal with people rather than doing so on instinct or history. standing in the gap to close it for us. 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. Listen. For relationships to be mutually valuable you must build a bridge that goes two-ways. do not speak. there are lanes for incoming and offloading traffic. When it is your turn to listen. even dealing with people – especially dealing with people – requires proper planning. Get into the habit. The primary way we communicate with others is through conversation.
not just another segue to a story about yourself. I will tell you a funny story about a job interview I once had. let them talk about their skills. their needs and their accomplishments. Smile. we did not get to discuss my history. Be enthusiastic about what they are talking about and who they are. people like people who like them. he took an interest in me. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position. it seemed as if we did not even speak about me.People To demonstrate how much people want and need to express themselves and feel understood. this guy not only offered me the job. Everyone’s favorite topic of discussion is themselves. Again. advice or assistance. Watch for opportunities to offer empathy. Let the other person speak – while you LISTEN. If you really take an interest in what they are saying you might learn something. Because I took an interest in him. find out about them. Although I knew my resume would be suitable for the position. Keep in mind he found me so interesting and I barely said a word. At the beginning of the interview. If you want to win them over. listen with a reason. I asked the interviewer a few key questions about himself and what had made him successful in his career. It turned out to be a win/win for us both. Try and put yourself in their shoes. He was so excited to talk about himself and his experiences that at the end of an hour. 153 . Ask questions. at the end of our meeting. You can’t learn from them if you’re talking. Step # 2: Take an Interest in People When you listen. Yet. When you talk to others.
it might be. Have faith and patience that the longer these relationships last. Don’t fake it! Did someone cut you off on the road? Maybe she was going to see her husband who has been injured in a car accident. But you need to be genuinely nice. 154 . you only aggravate yourself. at first. In building up conflict instead of offering genuine kindness. Even though you can relate to the story because of your expertise. They’re getting enjoyment out of reliving an experience or sharing an insight. If this sounds fairly one-sided. Let the person tell the story. but it’s much harder – not to mention more important – to try and understand why people make the mistakes they make or take the actions they take. The more you listen to others. Don’t take that away by changing the subject to you. the more two-way they’ll become. Most people react in a negative way due to circumstances. and telling your stories. Some people are just genuinely grumpy or mean – but these people are not the majority. The gift you are giving is worth far more than anything you might hope to gain from turning the focus of the conversation to you. Did they have a bad day? Was there a problem at home? The best way to turn a person with a bad attitude around is to be nice. Let the other person feel important and appreciated. But the funny thing about building these bridges is they work both ways. you don’t have to interject your knowledge or skills.Lifemoney Let’s say that you are a very good racquetball player. Try it and see how it works. brag or whatever they wish. the more they’ll learn by example and start paying you back– by listening to YOU. and someone you are talking to tells you about a game of racquetball they played. Step # 3: Don’t Undermine – Understand It’s easy to criticize.
He dropped his tools and ran to the bog. “You saved my son’s life. Maybe you weren’t feeling well. even though you typically arrive on time. Then the boss yells at you for being late.” said the nobleman. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. was a terrified boy. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. On the way to work you get stuck in traffic due to road construction. screaming and struggling to free himself. The next day. 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. mired to his waist in black muck. “I want to repay you. while trying to make a living for his family. he heard a cry for help coming from a nearby bog.org/i4a/pages/index. 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. a fancy carriage pulled up to the Scotsman’s sparse surroundings. Maybe you got up on the wrong side of the bed. Farmer Fleming saved the lad from what could have been a slow and terrifying death. Crazy things happen when you reach out to people and pay some kindnesses forward.People Think back to a bad day you had recently. One day.cfm?pageid=102.winstonchurchill. His name was Fleming.” 155 . There.
the farmer’s own son came to the door of the family hovel. graduated from St. Years afterward. in time. Let me provide him with the level of education my own son will enjoy. The name of the nobleman? Lord Randolph Churchill.” the Scottish farmer replied waving off the offer. but I think people can tell when you don’t remember their names. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. I can’t accept payment for what I did. “Yes. “Is that your son?” The nobleman asked. “I’ll make you a deal. At that moment. What saved his life this time? Penicillin.” the farmer replied proudly. 156 . I know it is because I never really made a true attempt to focus on remembering them. His son’s name? Sir Winston Churchill. the same nobleman’s son who was saved from the bog was stricken with pneumonia.” And that he did. and it’s a little bit insulting.Lifemoney “No. and went on to become known throughout the world as the noted Sir Alexander Fleming. If the lad is anything like his father. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. the discoverer of penicillin. he’ll no doubt grow to be a man we both will be proud of. Mary’s Hospital Medical School in London. Farmer Fleming’s son attended the very best schools and. This not only looks bad.
Where do you work? Is that right? Sounds interesting. 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. Brian. you might think “sad Brad” or if they look happy. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. One idea is to repeat the person’s name out loud a few times during the introduction. it’s easy. they will be interested in helping you in exchange. Let’s say for example that I need help with financing a business deal that’s important to me. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. Again. but I will stress what’s in it for them: a great rate of return. Let’s talk about that sometime. These little tricks work amazingly well and are well worth the time it takes to practice them. nice meeting you. If their name is “Brad” and they look like Brad Pitt. “glad Brad. But if they look like they’re very tired and sad. For instance.” Another popular technique is to associate their name with something visually unusual.People I would suggest you develop a system that helps you put greater effort into this huge priority. the value of the proposed deal. Brian. How do you do that? Ever hear the term WIIFM? It’s “What’s In It For Me!” Most likely your best bet in getting help from someone is to show them what they are going to get in return! I think about this all the time when I’m trying to influence people to help me.” You get the idea. the intangible benefits of having their name 157 . “Nice to meet you.
the fun we can have together as a team. I’m always thinking “what do they want. inferior. but the level of intensity – time. 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. That only happens in courts in front of judges. and how can I give it to them?” I am not saying you can’t get help any other way.Lifemoney associated with the project. whether a free meal. energy and commitment – will be that much greater if you provide people with something they want. All you will do is make the other person feel bad. …you get the idea. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. offer to help. too. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. how 158 . Those few hours spent pounding nails or carrying lumber might turn out to be the best investment you ever make if your friend has some useful tips or suggestions for helping you reach your goals more quickly. stupid and embarrassed. a coworker or a friend. a case of beer or concert tickets. The winner of an argument in real life is often the loser in the relationship. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. If a friend is remodeling a kitchen. Remember that getting the support you want depends in part on providing others with what they need. they would have behaved differently. when they did 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.
Speak from a calm center. Don’t give advice unless it is requested. Don’t act rashly or lash out. Disagreements on the other hand can be powerful sources of new information and a chance to grow. be self-controlled. I make a big distinction between arguing and disagreeing. Think about someone in your past that pushed unwanted advice on you. particularly defensive and mean ones. no one is impressed. Don’t brag. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. aggressive individuals that think they know it all. Relax. and even then be careful. Don’t speak out of anger. Keep in mind that everyone is born equal and deserves to be treated that way. people argue because they are hurt. Show. Wait for your opinion to be asked before shoving it at someone. don’t tell. Often. 159 . Step # 8: Think Before You Speak In any discussion. even if it’s negative communication. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. Didn’t you just hate to hear that person’s voice on the phone or see her face at the door? Don’t become one of those pushy. be it personal or professional. do nothing but harm. Think your words through.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. Arguments. upset or just want to communicate with someone they care about. Always try to look inward to the core issue. Let others mention your accomplishments before you do.
even after working hours of unpaid overtime. It makes a deep and lasting impression that money can’t buy. From time to time you may even take the blame for something that isn’t your fault. Or you might have helped a coworker with a difficult project. Just remain calm and don’t shoot your mouth 160 . And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. but we all have problems. Some of those mistakes will be at your expense. Everyone makes mistakes and will disappoint you at some point. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. 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. Take courtesy even further. Always say please when asking for something. This may seem like a small thing. but it’s extremely important.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. Shake hands firmly and introduce yourself when around new people. Look people in the eye and give them respect when you speak to them. Can you look back on a time when you did something nice and the person didn’t even mention it? Maybe you mailed a gift to a relative. To get along in this world without becoming an irritating whiner. but received no sense of appreciation. Step # 10: No Whining Allowed No one likes a whiner. It’s not that your problems are unimportant. Don’t cry or whine over any of this. You would be surprised how far all of this will take you in building relationships. lower your expectations of others and increase them for yourself. but he never called or wrote to say thanks. 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.
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. The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. You never know when you might have to go back the way you came and deal with that person again under better circumstances.People off and burn bridges. Step # 11: Your Word is Your Bond Do what you say you are going to do. more opportunities will be sent your way. I know this is extreme and there are times when being late can’t be avoided. time is their most valuable asset. As I mentioned. 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. Also. but this true story illustrates how sensitive some people are to lateness. Even if it is just to arrive to a meeting at a certain time. being late is a sign of disrespect for someone else’s time. to a successful person. If you can’t be trusted on one issue. When people know you are dependable. I had an appointment with someone and I showed up 15 minutes late. 161 . especially in business. Your word means everything. chances are your credibility will be shot for all that you do.
To get rid of the people who will hold you back. don’t be afraid to cut ties totally. They can be so-called “pals” who don’t believe in you. You probably already know who some of these “avoidable” people are. or that costs you plenty when it does get a running start. It’s not that you can never enjoy recreational time. If you don’t like 162 . 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. 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. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return.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. put you down or turn you off. while your reputation is merely what others think you are. like fishing or playing cards. They might be an older brother who sets a bad example with his drug use or gang activity. because your character is what you really are. or who tell you to give up because you have more important things to do.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. They may be hardheaded bosses who refuse to think out of the box. Problem people often hide in plain sight.
163 . it’s simply a move in a new direction. for every troublemaker you tell to hit the road – or get off your bus – make sure to pick up a motivator or two as a replacement. Either way. Find a new bus or another means to get there. A motivator can be anyone who trusts you to follow your dreams. It might be a mentor who leads by example or.People where the bus is going or you changed your mind in the direction you want to take – get off. And the more you hunt for them the more they will be attracted to you. In fact. They might be a good friend who listens while you describe the goal you want to reach. seek them out. if they’re far away. It’s not quitting if you’re the one doing the choosing. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. make sure that you’re always riding the right bus for you. They’re a little harder to find. quite literally. as well as your plan for getting there. cling to them. If they’re nearby. or they may be a total stranger. you must also make room in your life for the motivators. Either way you’ll know these motivators because you’ll feel an instant attraction to them. the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. Just as you must get rid of the people who will drag you down.
goal-oriented people who encourage and inspire you. What’s the best way to learn them? Choose any one of these and use it today. keep using it until you don’t think about using it anymore because it’s so natural.” -Brad Turk 164 .” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson. This is the best way I know of to master this list. Lifemoney Currency “One skill you act on is better than 12 that you don’t. Associate with positive. Don’t move off to try another one until you’ve seen results with the first one. In fact. I try and use each one of these on a daily basis and have come to rely on my people skills to make many good things happen.Lifemoney Lifemoney Currency “Get around the right people. Then magic happens.
” -Brad Turk 165 . I am learning to be a good listener. I keep to my word. I don’t whine. _____ 5. I understand the value of tolerance when dealing with difficult people. Lifemoney Currency “Find people to make up for your lack of know-how and. _____ 7. I try to stay calm and avoid arguments. _____ 6. I always remember the “what’s in it for me” rule. _____ 10. _____ 8. you WILL know-how. and then tally your score. _____ 9. _____ 2. and I often make efforts to give without expectation of receiving anything _____ 4. A huge part of receiving is giving. eventually.People 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 make efforts to express appreciation and good manners to others. I am taking an active interest in people _____ 3. I have a good sense of which people to pursue and which to avoid. although I can politely disagree.
This talks about some of the things I’ve found useful in creating a positive mind. Where’s Your Head At? Which of these statements sounds most like something you’d say to yourself: I am going to reach my goals and fulfill my dreams! or I am going to try to reach my goals but it’s going to be hard because… 166 .Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction.” -Willie Nelson Overview Someone once said. What you believe you’re going to get in life is pretty much what you’re going to get. whether you believe you will or you won’t – you’re probably right. a well maintained attitude and a “no excuses” outlook. you'll start having positive results.
I figured she would have far fewer worries than other people! In getting to know her. her money. you create road blocks that stop you from achieving your goals. or do you think that it probably won’t happen for you? This question is like a fork in the road. The Multi-Millionaire Blues A good example of how attitude.Positively Thinking Do you believe you can reach your goals. I was amazed to see how miserable she was. if you focus on the positive. believe that it can happen and know that you have what it takes to make it happen. On the contrary. From the outside looking in. you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. 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. He was both successful in his field and wealthy. I don’t know if it was her beauty. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. You just have to know that you’re heading in the right direction. 167 . happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college. It appeared that everything annoyed her and she was never happy. When I finally had the chance to meet her personally. If you focus on the negative. it appeared she had everything that a person could want. As a general statement positive thinking plays a powerful role in helping us achieve what we set out to do. and whichever direction you take in your mind will probably dictate your destiny. Her father had been an executive producer of some very well known films. or the fame of her dad but everyone in school wanted to be near her. I saw her complaining everyday about what I thought were very trivial things.
They complain about all the ways in which other people or circumstances are standing in their way. Though you have no control over the actions of others. and say. Maybe you come from a family with many losers and too few winners. do. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. what you attract into your life and your ultimate success. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. Maybe you will be the one family member who can show the others that success is possible? That would be a wonderful Lifemoney gift to give them.Lifemoney I stayed away from her negativity and did not associate too much with her. It’s not what you have but how you perceive things that really counts. focus on what you can do. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. So don’t worry about what you can’t do. you do have complete control over what you choose to think. 168 . I heard a few years later that she had attempted suicide. But it all begins with your outlook and your willingness to do what it takes to get out of the rut and mentally move in the direction of the finish line. 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. “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. You might feel as though you are destined to continue the long line of defeat.
You have the resources others don’t have. If you grew up wealthy – good. It starts in your head with your mental remote and plays out in reality. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. In America. you better change your mental channel. If you feel yourself beginning to argue with me. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. You dream 169 . STOP! Forget the excuses! If you grew up poor – good. I was able to become wealthy. so use it positively. 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. Change the channel and play the role starting now. there is nothing stopping you from becoming all that you dream of becoming. I want you to understand that you’re holding the remote in your hand to switch to that channel. You have even more desire to do better than others may have. 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.” Your mind is yours. If you catch yourself repeating the complaints above.Positively Thinking Practice turning negatives into positives. Lifemoney Currency “Just can’t live that negative way…make way for the positive day.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success.
This is the way you turn negative experiences into a positive ones. and guess what? It’s yours. took it on as his personal goal. Failing does not make you a failure if you let it teach you lessons. 170 . Do it and watch how your outlook brightens. that had to be coupled with hard work and long hours in the gym. Arnold Schwarzenegger went into every competition thinking he was the winner. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. He visualized it. Also. but he said that all the intense effort and workouts did not give him the extra edge that he needed. write down a lesson you learned from this failure. you have a smart plan.Lifemoney it. This attitude and confidence spread and led everyone else to believe the same. you implement your plan. Obviously. List five failures that caused setbacks in your life. you work hard to get it. Get your mind on the right channel and the body will do its part to follow the plan. Goal Achievement Exercise T Take out your Workbook. and explain how you will avoid one of those failures in the future. The mind rules over every part of the body. Failure can be a very positive experience if you dig through it to find a good lesson. and owned the feeling of a champion. It was the mental focus on all that he did that made him the best in his field.
would you handle things differently? If so.Positively Thinking Lifemoney Currency “Many of life’s failures are people who did not realize how close they were to success when they gave up”. If you want a piece of the action. Which have you been? Be honest with yourself. 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.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. but it does happen. -Thomas Edison Don’t Complain . go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success. 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. 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. 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. Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 . Understand that a positive mindset happens first.
Why? Negative thinkers typically think that they’re stuck and will be miserable forever. that a former teacher encouraged because you secretly had no confidence in your ability. Is stress holding you back? Stress is often closely linked with a negative mental attitude. especially if it was a thought that stopped you. like drawing. How do you do that? You’ve heard me say that we cannot always control the events in our lives. start looking for what you can get. but we can control our responses to them and the actions we take as a result. did a previous employer offer to pay the tuition for you to return to school. Positive thinkers are always focusing on ways to positively impact their world. The same is true about anxiety. Begin positive. Instead of whining about what you don’t have. 172 .Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. and a role model. Begin using positive thinking to search for new ways to impact your life. The solution is to stop complaining and fix your attitude. and never feel played out. stay open and be ready to jump into action. If you want people’s attention. These are all signs of a distressed and negative mindset. an inspiration. and get frustrated. Make a mental note not to miss these kinds of opportunities again. 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. People are much more likely to admire and support you if you adopt this mindset in your everyday life. get it in positive ways by becoming an encourager.
developing new skills. Make the list with a new sense of optimism and hopefulness. make a new list of potential opportunities for the future. 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. When you’ve completed this list. anyone can start from now and make a brand new ending. Lifemoney Currency “Attitude is a little thing that makes a big difference. Include options like going back to school. overcoming a bad habit.” -Anonymous Goal Achievement Exercise U Take out your Workbook. That’s a great first step in positive thinking. employment. Make a list of opportunities from the past that were missed due to negative thinking. These could include lost academic. or relationship opportunities.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. cultivating new relationships (or restoring old ones).” -Winston Churchill 173 .
who minus sight and hearing became a model of inspiration to others.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. Helen Keller. football coach. Often when we look at successful people we only see the end result without understanding what they had to go through to get where they are today. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives.” -Lou Holtz. Some famous examples include Beethoven. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. 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. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. Positive thinking sets them on a course for achievement. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. whose deafness did not stop him from composing classic musical compositions. broadcaster 174 . or at least their little piece of it. I never had a crisis that didn’t make me stronger.
who is going to think twice about your errors after they arrive home that night? It would never happen. What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. Then take on life without apology or embarrassment. many of our efforts don’t bring immediate results. So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. 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. Don’t be intimidated by life situations like this. so what? Who cares? Besides. most people in your audience would rather die than speak. 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. Think about something that you are afraid to do because you think you might fail. so you’re already way ahead of them. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. Instead think in terms of best case/worst case. And if they did laugh.Best Case Try this experiment to create more positive thinking. Most people don’t remember what even great speakers say! Besides.Positively Thinking Worst Case . You may submit a proposal and wait months before 175 .
Lifemoney getting a reply. 176 . She’s probably like all the others. 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. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. This relationship is going nowhere. Teach yourself to stay positive even if nothing great appears to be happening and keep it moving anyway if it is helping you reach your goals. It’s time for a change. Think of it this way: you’re going to have to spend the day in some way. Unless you’re prepared to wait. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. The way to get over them is to keep it moving until something positive does happen. 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. Without those first small steps there could be no end result worth noting. lack of feedback can lead to negative thinking. why not be positive. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. Stay positive by remembering that lesser. 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.
They rob you of positive energy and momentum. it may seem unreachable at first. Really look carefully at these statements for a moment. But that is the time to push the envelope to reach your dream. The idea is to simply stop thinking negatively and to find something good to say “yes” to. the faster your mind will change into a direction that goes forward. The key is to quickly counter the negative talk the instant you recognize it. or climbing to the top of your profession may seem unachievable at first. Or maybe the girl has a habit that reminds you of someone you used to date. For example. Create a Repeatable Success Thought When you set your sights on a distant goal. trying to get into graduate school. especially if others are telling you it won’t happen. 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. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. We ought to try a little longer in case this turns out to be something good. going back to college at 40. I’m going to call her and plan something exciting. 177 .Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions.
Don’t write long sentences or anything that is too short or vague. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1. write down positively phrased replacement terms you can use as success thoughts. “I’ll stop spending. Goal Achievement Exercise V Take out your Workbook. Make your success thought as specific as possible. “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. the sooner you will believe it. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. The more you say it. and repeat it often.” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence. Nothing can block my success. Be specific and limited. I will take my wife to Hawaii next year. To avoid negative self-talk and track negative thoughts.” (Too short and vague) 178 . I will speak up at today’s meeting.” (Too long and detailed) 2. I call these “success thoughts.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. I do not need second helpings.
detailed and valuable) Use your imagination to come up with more positive statements like these. After a few weeks. 179 .” (Positive.” (Positive. it’s how you view them and what you do about them that matters. When you fall down. but you have to think 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. Instead. “I’ll pay my balance each month. specific and helpful) 2. “I’ll use just one credit card.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. 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. such as. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. “I won’t charge more than $50 weekly. but the important thing is to think positive. update the success thought for a related goal. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. and you have to fight. Lifemoney Currency “Anything is possible. Everyone makes mistakes.
You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains.” 180 . Give thanks and be happy! Lifemoney Currency “He who has so little knowledge of human nature as to seek happiness by changing anything but his own disposition will waste his life in fruitless efforts.Lifemoney Don’t let past failures hold you back. Keep focused on what you want. Don’t let anything keep you from getting it. remember that you are responsible for how your life turns out. Think about the things that are positive in your life. Although others may have held you back at one time or another or you may have to seek help to reach your goal.
_____ 9. _____ 3. I am learning to manage personal and job-related stress by positive. _____ 6. proactive thinking. Lifemoney Currency “Some view the glass as half empty. I keep moving ahead even though I’m not getting immediately rewarded. not a loser. _____ 2. I am watching for opportunities to say yes to. _____ 8. some view the glass as half full. but rather. I will act as if I’m in the role I want to play. _____ 7.” -Brad Turk 181 . giving yourself 10 points for each checkmark and 0 points for any left blank. with the waiter on his way over to fill it up. I will not let others’ pessimism interfere with my plans to reach my goals. I repeat success thoughts to myself as often as possible. _____ 4. I can see how past accomplishments have prepared me for the future. I refuse to hold on to negativity and past misbehaviors.Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. to fix my situation. _____ 5. I am making consistent efforts not to complain. _____ 1. I will continue viewing myself as a winner. I view the glass as half full. _____ 10. and then tally your score.
Successful people know that dreams don’t come pre-packaged overnight. it just doesn’t come naturally. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. We want it now. We want it all. it turns denying yourself into investing in yourself. I had surgery 14 times to pin and plate. When you recognize that sacrifice is frequently a part of success. I shattered my pelvis.” -Evel Knievel Overview Few of us do well with sacrifice. I forget all of the things that have broke. But I have broken 35 bones. They say I have broken every bone in my body. 182 . Not true.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. If we could find a way we’d have it yesterday.
some become millionaires. off the ground he did just that. Some work two and three shifts for years at a time. They lay everything they have on the line. 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. to get his first film project. sacrifice is often a part of any success story. It’s a real risky strategy but sometimes when you believe in something strongly enough. But if that was the only way. would you? 183 .100. sleeping just a few hours a day. Ask filmmaker Spike Lee. store or business. Spike Lee knows that sacrifice can pay off . there are people who were born in this country who complain about the lack of jobs. Was the sacrifice worth it? You’d need to ask him. I will tell you right off the bat that I wouldn’t be. This much I can tell you. They are simply unwilling to sacrifice anything to get where they want to go. but I can tell you that Spike would probably say yes. Yet.000 to make the movie and it grossed $7. you have to make those kinds of sacrifices.000 in domestic box office sales. rigorous job to get where they want to go. She’s Gotta Have It. grateful for the opportunity to have all the work they can handle. Why? Because they work hard. It cost him $175. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying. saving every penny to open a restaurant. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants.000.000 in sales. Within a generation. In 1986.big time! Big or small. Many immigrants come to this country with nothing but the shirt on their backs.Sacrifice Borrow. Since then Spike Lee has produced at least 22 other films that have made over $433.
There were no shortcuts to success. 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. 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. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. 184 . took a job as an insurance salesperson straight out of college.” -Dali Lama Sacrificing for Success Mike Luckovich.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. at almost any cost. 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. Lifemoney Currency “Judge your success by what you had to give up to get it. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was.
Below the goal you just wrote. or he might have gotten discouraged and given up. 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. have. Jr. and I can’t make up your mind for you.Sacrifice Martin Luther King. What do you have in your life now that is expendable.. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. You have to be willing to do whatever it takes to claim them. $100 per month for a gym membership. or is your goal just a casual want? Only you know. your sacrifices could include six hours of your time each week for daily workouts. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return. improving the lives of millions of people. Ideals are not cheap. list three things you now do. Goal Achievement Exercise W Take out your Workbook. 185 . and giving up your weekly poker game to play tennis. etc. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. They are costly and precious. and you will have to be ready to give it when the time comes. and/or enjoy that you are willing to part with in exchange for your goal. For example. if becoming more physically fit is one of your goals.. He could have taken the easy route to avoid jail time. I am committed to helping you get where you want to go. List the tradeoffs you are willing to make to reach one of your goals. But he stuck with it. Choose one of your goals and write it out. spent months in prison rather than surrender his belief in equal rights for all people. However.
The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. you eagerly add a few dollars here and there to save up the needed amount. presenting it to your friend or loved one with a sense of tremendous accomplishment. you proudly go out and purchase the gift. Success has value because you have to work for it – you earn it. Imagine a scenario of two young women. Which one do you think 186 . when you do reach your goals. One is given everything by rich parents who buy her everything she needs and most things she wants.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. If you could just reach out and get them today. Whether it costs $20 or $200. they will mean the world to you because of what it cost to reach them. You can view your goals in the same way. there would be no effort or cost attached—and they would mean very little. They’re both chasing the same dream: business success. But as we’ve seen that’s not always the case. 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. 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. When you get enough.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. But after years of careful thought and unwavering perseverance.
volunteering.). write a book. Are you ready to figure out what it will cost in time. money. you have already begun to outline some of the goals you hope to reach and have created a plan to get there. • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. Why does she appreciate it more? It’s common sense that when you pour out your own blood. Develop a needed skill through a second job. But no plan is complete without counting the cost of reaching your objectives. Seek help when I get stumped. Put less important things on hold. Invest a certain amount of income toward reaching my goal(s). or taking a class.” Do you feel that way about your road to success.Sacrifice appreciates the success more? You know the answer. or run into problems. “anything worth having is worth working for. In planning for your future. That cost is part of the joy of success. Period. 187 . etc. Find the non-essential time-eaters in my life and eliminate them. at least temporarily. You’ve probably heard the saying. sweat and tears for something you’ll own it in a way that nobody else can appreciate. 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. have a question. Get feedback from those who already have accomplished similar goals. 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.
If you spend all you have. It’s a simple fact of life. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. What percentage of your daily schedule do you devote to working toward goals? Are you so preoccupied with getting by today that you haven’t given much thought to the days that will follow? You really must plan on setting aside between three and six months’ of income in case of a job loss or disability. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals. Underachievers live for the day and overachievers live for the future.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. 188 .” -Sidney Howard Number 2: Delay gratification Sociology experts tell us that one of the differences between the lower class and the upper class is the ability to delay gratification. you will have enough for today and tomorrow. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. But if you save and invest it. too. there will be nothing left. The wealthy will have enough from current savings and investment plans. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. but less than twenty percent of the population do so.
Often we don’t find out about a medical test result for several weeks. every other week. watch your favorite television program. etc. Then underneath each item you expect to give yourself today. It might be go for a walk. When you have successfully conquered the need for instant gratification. list something you will get done before you have your fun. All of these things take patience. Make sure that those things on your list are things you really want to do. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. many areas of our lives undergo postponement. For example most of us don’t get paid for our work at the end of each day. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. which in the end brings it own kind of reward. we collect paychecks every week. eat some ice cream. When you think about it. go shopping. 189 . In other words we’re doing it anyway. play tennis. List one or two tasks you will have to complete before you get your reward. Instead. List two or three fun things you want to do today. Goal Achievement Exercise X Take out your Workbook. Let’s build your ability to delay gratification. This might challenge you and be a little difficult.Sacrifice Delaying gratification is something you get used to. Do this exercise well and discover how much more you get done and how much better you feel. almost any achievement in the world will become immediately more achievable. or at the end of the month.
You may be reluctant to open a bank account. setting aside time for future rewards is like making deposits in a savings account. Finding time to work on long-range goals may seem impractical. Just do it. We barely have enough time to get through a typical day with the demands of work. then I can expect halfhearted results. and social activities. Many goals that seem hard at first become easier once you get momentum established. the results will come. Devote fifteen to thirty minutes several days a week to your goals. and it may seem difficult at first to find enough extra income to make regular deposits. this could involve reading.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. say $25 per month. The same is true for working toward your future goals. pulling the trigger and going for it. Depending on what you hope to achieve someday. But you won’t know that until you pull the trigger and get moving. I don’t do things half-heartedly. especially if you begin with a reasonable amount. Start small. Because I know if I do. so you will never miss the amount of each savings account deposit. Most of us lead busy lives. doing 190 . you can arrange for a direct deposit straight from your paycheck.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. So do it. But actually. making community contacts. family. But with a little effort.
It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. fully aware that not all of it will produce rewards. Life is a bit like that. of course. Pull the trigger already. None of those tasks took a long time – but each one was a step toward realizing a goal. then you have to keep on doing the whole lot. You put in 191 . Naturally. keep in mind that you may have to work through several levels of effort to reach them. if you want to get involved in local government. Remember that one of the keys to success is to learn everything about the role you want to play. so pull the trigger now and get your show rolling. And keep pulling the trigger at each “next” level of achievement you’re taking. you may need to first attend some political rallies. Whatever your goal. His point was. that if you can’t tell which half. 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. 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.Sacrifice volunteer service. Everyone has to pay their dues as they work. from the inside out. this means you’ll have to give up something in exchange for this valuable daily time. For example.’ but he didn’t know which half. Whatever it is you must give up. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. do it. or volunteer as an aide to learn the ropes. But if you keep pulling the action and sacrifice trigger. Sometimes it seems unfair. you will be rewarded. visit with your representative.
and others cruise it. You’re polite to people and everyone seems rude back. Your efforts will be rewarded eventually. You work up a sweat. This is the shadowland of hope. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work. Lifemoney Currency “I wasn’t going to be one of those people who died wondering what if? I would keep putting my dreams to the test—even though it meant living with uncertainty and fear of failure. but then life isn’t. I know it isn’t fair.or for what -.” This quote summarizes a great lesson I’ve learned throughout my successes. and anyone with a dream must learn to live there. It’s a simple lesson that has never failed to produce great results for me.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. The lesson is that you must continually give 100% effort in the direction of your dreams. engraved there to inspire the youth of that school.Lifemoney loads of effort and get nothing back. Well. It reads: 192 . but you’ll probably never know which efforts are being rewarded -.and which aren’t. you have to keep doing the 100% because you don’t know which bits will pay off.
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.” The emphasis is on the preparation. 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. Are you prepared to follow this through. the work doesn’t seem like work. we have to figure out which ones we want most.Sacrifice “I will study and get ready. At the climax of the movie. but they rarely do. having been mortally shot. one of Ness’s fellow agents. if you build your Lifemoney. Good things don’t just happen to us. The good news is that if you’re in love with your dreams and want them so badly you can taste them. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. Nobody wants to hear about effort and work and sweat. But show me someone who has achieved their dream without it. Maybe they should. One of my favorite movies is The Untouchables. then he dies. 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. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. an Irish cop played by Sean Connery. the whole process of success becomes easier. Those people just don’t exist. It’s not nearly as bad as you might think. and someday my chance may come. Instead. In addition. What are you prepared to do? 193 . and then force ourselves to work hard for them. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. In the movie. Sacrifice is sort of the dirty word of success.
Only you can decide what you are willing to give up in reaching your goals.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. focus on “what am I going to get in return?” Investments of time or money are long-term deals. the payoff will eventually be seen. But don’t dwell on the negative aspects of “what do I have to give up?” Instead. Keep your eye on the prize and focus on what you’re going to get in return. Most do not pay off immediately. and some require harder work than others. But if you keep putting in the effort.” -Wayne Gretzky 194 . No one likes to sit around wondering what he or she has to give up as an investment in a dream. at almost any cost. 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. sacrifice pays off. to reach out and grab your future? Don’t spend the rest of your life wondering what might have been. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in. In the end. Be prepared to give up more of what you have to get more of what you want.
Some of my goals will require that I hang tough. I believe that planning for the future is as important as getting by today. I am prepared for life.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. _____ 2. I am willing to pay the cost that is required for me to meet my goals. giving yourself 10 points for each checkmark and 0 points for any left blank. I am learning to delay my gratification for both the present and the future. I am willing to set aside less important activities to focus on my goal. I have calculated my goals’ financial costs and scheduling adjustments. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . _____ 3. _____ 4. _____ 1. ____ 10. _____ 6. _____ 7. I have identified several things in my life that I must sacrifice for success. and then tally your score. _____ 8. I am pulling the trigger on my talent today. I will put forth 100% effort at all times. _____ 9. _____ 5.
not the destination. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results.” -Don Williams. Yet our lessons come from the journey. It is the ability to let go of the need for immediate gratification. 196 .Lifemoney Lifemoney Lesson # 11: Be Patient and Enjoy the Journey “The road of life twists and turns and no two directions are ever the same. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. By patience. I mean the ability to sit back and relax while waiting for an outcome. J Overview Having patience is a key ingredient to successful living. without experiencing anxiety. tension or frustration.
you run the risk of anxiety. There are many negative consequences on health. This can further result in losing important things like business relationships. Gradual change and growth give you the greatest chances for success. 6) I just don’t know where to start . without which you are going to suffer. When you stress yourself to create results too quickly. you need to be patient and wait for your results. 5) If something doesn’t work immediately. 4) I hate having to do or say something more than once. unhappiness and sometimes even anger. from impatience. This is one of my personal flaws that I am working on. which can be very destructive. But I am careful to differentiate urgency. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward.Enjoy the journey 2) I will never get to all the things I have to do. When you force efforts. jobs and friendships. 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. How do I differentiate the two? A sense of urgency is a good and powerful 197 . I have to be honest with you: I happen to be a very impatient person.this task has two many steps. 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. which is a powerful force that gets things done. I’m going to move on to something else. It’s as if patience is a simple building block of satisfaction. relationships and personal growth when you lack patience. the results just won’t last long.
Based on where I was in the process and the faith that I had in my contacts in Mexico. I can’t control those timeframes. How do you and I remain urgent without dying from impatience and anxiety? The big lesson I’ve learned is to focus on controlling what I can control. urgency turns damaging and can lead to senseless and sometimes destructive impatience. For example when I take on tasks that are really time consuming (this book for example). If I can’t change or alter a situation. I need to clear it from my mind. There is no way a sense of urgency can create the satisfaction of writing a best seller (let’s hope this will be) instantly because of the timeframes involved in the task. If I’m not careful this can create impatience in me. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. It’s a quality that helps me act quickly and get an enormous amount done. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. and don’t let the things I can’t control stress me out. Mexico. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. And this is probably true for you too. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. This is a struggle for me as it might be for you. It seemed as if I had finally worked out all of the points (including the pricing) and that all that was to go to Mexico and sign contracts. I told 198 . I’d brought on an investor to put up the money for the deal. But when urgency is applied to things I can’t change. I have an unrealistic expectation of speed.Lifemoney tool.
6 million already invested in the equipment needed for this project. $1. What was I going to do now? Go home with no deal and give up? How could I tell my investor what happened? Was I going to start from scratch after all this work in putting together this deal? What I did was relax. I flew down to Mexico for my big meeting and to sign paperwork. I immediately extended my trip from 2 days to a full week. I noticed that they had changed all of the terms of the deal. and patience was number one.6 million dollars. Based on the trust that I had built with the investor on past dealings. Outraged by what transpired. There was so much I had no control over. When I sat down in my meeting and went over the paperwork that they had prepared.600. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . I wanted this deal done. I picked up my things and told the company I was meeting with that I would look over their new terms. me not speaking a word of Spanish (or only enough to order dinner and maybe get directed to a bathroom) and no deal on the table.000 that was needed to get this project going.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. So there I stood in Mexico. a partner who trusted me enough to put up that $1. regroup and come up with a game plan. When reviewing the numbers in this new version of the proposal it was obvious to me that we would lose money if we signed that deal. and then I left the meeting. he decided to partner with me and put up the $1. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. It took all the Lifemoney lessons I talk about in this book to get me through this situation.
I wound up getting an even better deal than I would have initially. So what should you do to be more patient? Make an effort to keep track of the following things: • • • • Break large goals into pieces and focus on one piece at a time. Look at the things you have accomplished to date. I would have never completed this deal that wound up being a very successful project for me. • Stay busy. • Reward yourself for completing something difficult. Do something fun and celebrate your incremental success.Lifemoney had met with. 200 . If I did not have the patience to stick this out. If your goals don’t seem to be on track. 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. I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. reevaluate your objectives and make your goals more realistic for your needs. Get preoccupied with another task until you have results from the first. Focus on the results and not the task. Why? Because I was patient and focused on controlling what I could control. I started making calls and finding out key contacts and setting up appointments.
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. 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. Think of all the fun and excitement you will miss if you don’t savor every moment. I find something to make me realize that it’s not as bad as I think it is. Are your problems really as serious as you think they are? I think about my problem and imagine how it will affect me 5 years from now. If you do. you will wake up and have missed out on what life really has to offer. In 5 years looking back at the issue. Who said life has to be hard? It is only tough if you make it tough. 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. The 5 Year Test Another very effective technique I use is the 5 Year Test. I’ll realize today is beautiful and I should appreciate my health. You need to live today like it was your last day and plan for tomorrow as if you were living forever. We need to count our blessings and enjoy what we do have and make the most of every day.Enjoy the journey Enjoy the Journey The purpose of life is not to work hard for 40 years and be miserable so that you can retire at age 65 and enjoy the last years of your life. You need to start enjoying a little everyday. before you know it. Don’t take time for granted and let your life pass you by. I open the window or take a walk outside and enjoy it. When I am having a bad day. Here’s a very personal technique I rely on to help me enjoy the daily journey. Chances are you will look 201 . For example.
Don’t let one day pass you by without appreciating something that you may never have or see again. list 2 problems that you are presently facing and put them through the 5 year test. Getting fired from a job? That may be a blessing in disguise. 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. A good meal. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. List 2 problems that you have had in the past. a joke. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. Time moves faster than we all want to believe. 202 .” Do you remember your first break up? No matter how sad you were at the time. Now. so we need to make the most out of our time. 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. You will remember that in 5 years. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. they seem unimportant. it probably has no bearing on your life now at all. spending time with friends or family. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them.
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. lying there. a walk in the midst of nature. Morrie. I was actually a little disappointed." Morrie replies. "That’s it. talking with people.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea.Enjoy the journey In the best-selling book. "That’s it. So average. And going home and having a wonderful sleep. "It was so simple. Tuesdays With Morrie. friends over for lunch. going out to a restaurant for supper. I figured he’d fly to Italy or have lunch with the President or romp on the seashore or try every exotic thing he could think of. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. at the end of the day what is truly important may be the simple. In a chapter entitled We Talk About The Perfect Day. a swim. Albom asked Morrie a question: "What if you had one day perfectly healthy . unable to move a leg or a foot . After all these months. 203 ..how could he find perfection in such an average day?" Then I realized this was the whole point" (p. Don’t overlook the obvious in your quest for the brilliant. author Mitch Albom visited a former professor.. unnoticed things we do all the time. dancing.
Think about the person who is working outside in the heat. But I do agree that passion helps. Don’t make excuses find solutions and make it happen. In other words.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else. I think people are 204 . It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated. it won’t feel like work. The people who succeed find reasons why they can do something. 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. the people who fail find excuses for why they can’t. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. it is best to have a fire in your gut for what you’re doing! I don’t necessarily agree with a lot of successful people who say that if you don’t have a passion for something you can’t be successful. Some people complain about going to work when they work in beautiful air conditioned offices. better yet. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it.” -Brad Turk Appreciate what you have and don’t complain and make excuses. there is always someone with less doing more than you. In the process appreciate what you have and enjoy it. I know successful people who are making it big in things they don’t care about.
You can do that. But whatever you do. He hardly noticed the leaves turning colors outside his small window. If you can’t stand doing what you’re doing. Day after day.” At least that’s the way I am. writing one manuscript after another and firing them off to the publishers in hopes of being accepted. Sometimes the ends do justify the means. 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. see your job as your vehicle to get you someplace else. 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. Try to create an external world outside of your business that enables you to have fun.and create some financial success that can free you. There is a story about a young man who wanted to become a famous writer.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. he locked himself into his attic office and plugged away. 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. then look hard to find something you’re passionate about and consider a career change now. Then one day he 205 . Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. My suggestion is that if you have a good job for which you don’t feel a lot of passion. be stimulated and enjoy life…. In fact. 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.
Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. Goal Achievement Exercise Z Take out your Workbook.m. the man. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. But it had cost him far more than he had ever imagined. the object is to make your life enjoyable. 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. List 5 things that you are going to do to ensure that you are enjoying your journey through life.” Ironically. The moral of this story is that success by any means doesn’t always “mean” success. Walking through one room after another. now middle-aged. and have moved out. in checking the mail. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to. If you are stiff and focused on a goal and have such blinders on 206 . Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. As he got angry when she did not bring the mail at exactly 2 p. they were all empty of his family and furniture.Lifemoney waited for his small daughter to bring up the mail. Don’t stop yourself from relaxing and recouping. Better luck with your novel. the man went downstairs and was amazed by the quiet that filled his whole house. Renew your energy. found a publisher’s letter saying that his book would be published. Again. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money..
because when you’re finally done and outta here. and sometimes the answers you generate for yourself are wrong. you are missing out. It goes by both very fast and very slow. There’s plenty of time to be dead.” -Anonymous 207 . the small everyday things are the things you’re going to miss the most. you’ve gone a long way to deciding where to spend your free time. You need to have a balance. I want my rewards as I go along. I don’t want to miss out on life to get my reward someday in the future. If you’ve figured out what you’ll miss the most when you leave. and how to really enjoy the ride. 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. Take the time to smell the roses. This much I know: success without enjoying your journey through your days is pretty worthless. Patience and Enjoying the Journey Summary Life is funny. Lifemoney Currency “Enjoy life.Enjoy the journey that you are letting life pass you by. play hard.
_____ 5. _____ 1. and then tally your score. Lifemoney Currency “Live today like it was your last day. and plan for tomorrow as if you were living forever. I will not take for granted what I already have.” -Brad Turk 208 . _____ 9. I will break goals into pieces and patiently work on one piece at a time. I will not wait until it is too late to enjoy my life. _____ 2. _____ 7. _____ 3. _____ 6. I will take a break from time to time to rejuvenate and enjoy my life. I believe my day to day efforts will have an effect in the long run. _____ 10. I will find something positive out of everyday. giving yourself 10 points for each checkmark and 0 points for any left blank. I will have urgency in my work and patience waiting for my results. _____ 4. _____ 8. I will take time to stop and smell the roses.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. I will practice the 5 Year Test I will not stress over things I can’t control.
101 Affirmations 209 .