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Published by: Brad Turk on Jan 19, 2011
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  • My Lifemoney
  • If I can do it…
  • My Early Years
  • Persistence Pays Off
  • Looking for Motivation
  • Knowing Myself
  • Learning About Business
  • Getting Focused
  • This Was Only the Beginning
  • Global Business Solutions, Inc
  • Heat Wave Tanning, Inc
  • Self Made Records, Inc. / MyMusicSite.com
  • Lifemoney Lesson # 1: Defining Success
  • Want to Succeed? Sleep Late!
  • Success on Your Terms
  • Find the “U” in “SUCCESS”
  • WHOSE Dream Is It, Anyway?
  • Goal Achievement Exercise A
  • Win Life’s Lotto (Real Wealth is Measured by Achievement, Not Cash)
  • You Are in Control
  • Defining Success Summary
  • Millionaire’s Checklist:
  • Lifemoney Lesson # 2: Knowing Yourself
  • Sometimes It’s Better to Strike Out
  • Who are you?
  • Don’t Be a Stranger (To Yourself)
  • Goal Achievement Exercise B
  • Goal Achievement Exercise C
  • What Are Your Limitations?
  • Goal Achievement Exercise D
  • Get Rid of It!
  • Buy Stock in Yourself
  • Goal Achievement Exercise E
  • Make Less - Find More
  • A Fish Story
  • Can You Dunk?
  • Knowing Yourself Summary
  • Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles
  • A Quick Review
  • Step Up
  • Start by Writing a Goal
  • Goal Achievement Exercise F
  • Establishing Action Steps
  • Goal Achievement Exercise G
  • Timelines
  • Goal Achievement Exercise H
  • Write It Down
  • Goal Achievement Exercise I
  • Nothing Can Stop Me Now…
  • Goal Achievement Exercise J
  • Goal: To pilot my own airplane
  • Three Huge Obstacles
  • Goal-Setting and Overcoming Obstacles Summary
  • Lifemoney Lesson # 4: Gathering the Tools for Success
  • A Successful Person’s Tool Belt
  • Tool #1: Focus
  • Goal Achievement Exercise K
  • Tool #2: Time Management
  • Tool #3: Efficiency
  • Goal Achievement Exercise L
  • Tool #4: Priorities
  • Tool #5: Do or Die Trying Commitment
  • Gathering the Tools for Success Summary
  • Lifemoney Lesson # 5: Evaluating Your Progress
  • Progress Report
  • Don’t forget the map!
  • Goal Achievement Exercise M
  • Maintaining Your Course
  • O.K….What If You’re Way Off Track?
  • Goal Achievement Exercise N
  • Evaluating Your Progress Summary
  • Lifemoney Lesson # 6: Resourcefulness
  • Can’t Get a Job? Buy the Company!
  • MacGyver It!
  • Keep Looking - You’ll Find It
  • There’s No Need To Grow Up
  • Goal Achievement Exercise O
  • Find An Expert
  • Goal Achievement Exercise P
  • Resourcefulness Summary
  • Lifemoney Lesson # 7: Creativity
  • A Lesson From Trump
  • Goal Achievement Exercise Q
  • Goal Achievement Exercise R
  • Five Creativity Factors
  • Lifemoney Lesson # 8: 12 Steps for Power with People
  • Overview
  • Sharpen Your People Skills
  • Goal Achievement Exercise S
  • Turk’s 12-Step Plan for Bridge Building
  • 12 Steps for Power with People Summary
  • Lifemoney Lesson # 9: Positively Thinking
  • Where’s Your Head At?
  • The Multi-Millionaire Blues
  • Change the Mental Channel
  • Goal Achievement Exercise T
  • Don’t Complain - Fix It
  • Goal Achievement Exercise U
  • The Key to Success? Live Out Of Your Car
  • Worst Case - Best Case
  • Keep It Moving
  • Eliminate Negative Self-Talk
  • Create a Repeatable Success Thought
  • Goal Achievement Exercise V
  • Positively Thinking Summary
  • Lifemoney Lesson # 10: Sacrifice
  • Borrow, Go into Debt and Max Out Your Credit Cards
  • Sacrificing for Success
  • Goal Achievement Exercise W
  • Goal Achievement Exercise X
  • Sacrifice Summary
  • Doing Time
  • Mañana
  • So what should you do to be more patient?
  • Enjoy the Journey
  • The 5 Year Test
  • Goal Achievement Exercise Y
  • Seek Happiness in Simplicity
  • GOAL (Go Out And Live)
  • Goal Achievement Exercise Z
  • Patience and Enjoying the Journey Summary


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....


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

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

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

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

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

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

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

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.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. In this book. see what works for you and. 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 . While reading Lifemoney you will become familiar with these attributes. 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.

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

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

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

You can always come back to me later). best of all. 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. rapping and acting. and by the way. if you don’t care about me and want to jump right into Lifemoney Lesson #1 and see what YOU need to do to be successful. New York. 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. New York. I won’t be insulted. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. my mom and I had moved to Forest Hills. When I got to junior high. She kept right on plugging away with her 3 jobs. new friends and. By the time I was in fifth grade. That’s where I first learned about work ethic. My Early Years I began life in the Pomonok public housing projects in Flushing. I learned these lessons by reading books of successful people and from my peers.Lifemoney attributes. though. and no money. There were new surroundings. new opportunities. (Oh. In addition. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . but they usually have a lot of similarities. Mom didn’t let it stop her. I got heavily into break dancing. It was a much nicer neighborhood. new neighbors. and she was a tremendous teacher. 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.

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

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

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

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

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

There are more important things than money in this world. mixers. But it’s all valuable. If you want to learn a business. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success.the talent . I figured if I sent a package. “I just want to get my foot in the door. The access I got taught me lessons I could have never learned anywhere else. For example. learn it from the ground up. And always be resourceful. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . feel free to import ideas from wherever you can find them.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. Basement Records. both the stars . It worked. It paid off. You might find it’s not what you expected it to be. For example my rap name was “Sneak. If you want to work in politics. picked me up and got me signed to BMG for distribution. if you want to someday own a bar you should work at a few for a while to learn the business. volunteer for a campaign or move to DC. It was one of my earliest stabs at being resourceful. my targets would be curious enough to open it rather than throwing it away.” along with my demo tape.and the men and women behind the talent the producers. Door after door was being closed to me. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. a recording label.” I once sent a sneaker in a box to a record label with the note. BMG. The following year I released “That’s Evil Man” on ZOO Entertainment. and access is one of them. no one was listening to my demos and I knew to get to the powers that be I would have to get through to someone. agents and managers.

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

Becoming successful. I also knew that I had fine-tuned all the systems there to do my job in half the time than I had been doing when I started working with the company.Lifemoney most young people I didn’t understand what was going on. I was interested in sales. I decided to take my hustling a step further. For one thing. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. In addition. The branch owner wanted to train me to sell life insurance. I did not have a wife or family. Imagine what a retiree would think about a guy that appeared to be 18 years old providing advice on retirement! Recognizing that only true passion creates true results. I decided to 16 . Also. I did not find that product to be a perfect fit for me or my personality. After leaving college. I decided to make business decisions that would bring me closer to where I wanted to be. and could not fully understand or relate to getting life insurance for protection for other family members. I saw that real estate was more suited to my personal goals at the time. How did I do that? I started selling real estate at night. Not to sound conceited. And guess what? I started making more money working part-time than at my day job. but it was apparent that I was a tremendous asset. the branch focused on selling long-term care and retirement planning. I understood the insurance office management job completely. so I pursued this opportunity. I went so far as to get licensed to sell life insurance. I could make even more money. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. I took over a job for a friend as an office manager for a life insurance company. Unfortunately. I figured if I spent more time on my part-time real estate job.

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

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

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

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

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

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

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

as far as I know. two very different types of success stories. John. In this lesson I want to show you the importance of deciding for yourself what success means to you.and though totally different from one another they illustrate what I mean by defining your own success. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. These are the stories of two friends of mine – John and Steve . Still. some might consider him rich 24 . pure and simple. My first friend. has never cracked the seven figure mark and. is in no danger of cracking it anytime soon.Lifemoney Lifemoney Lesson # 1: Defining Success “You have to arrive at your own definition of success if you ever hope to enjoy success on your own terms” -Brad Turk Overview It’s not possible to attain success without first defining it. Success is never a game of chance and begins with clearly deciding what you are going to make happen.

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

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

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

for you.Lifemoney take full action. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. “The first principle of success is desire – knowing what you want. author of Riches Within Your Reach: The Law of the Higher Potential once wrote. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily. By starting your journey with a firm grasp of your meaning for success. They live undefined lives. As Robert Collier. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 .” . and those are the only things I really care about it. Desire is the planting of your seed. See beyond money and its trappings.” Plant your own personal seed for success and watch it grow. 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. What is it you really want? What. look past that next job promotion or future company you plan to build.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. You should live your own life and live up to your own expectations. you will be fully able to reap all the benefits that await you.

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

That man is a happier husband. they have been able to stash enough away to enjoy an early retirement and see the world. Each of these people has achieved success. Then there is the couple that. Months of preparation and training pay off for this guy’s single-minded determination. I call that success on their terms. While his finishing time does not win any medals. his self-esteem and confidence increase beyond measure. Living off just the husband’s income has not been easy. agreed the wife should give up her job when the children came along to provide a stable home life for all. And so now I’ll ask you: Are you ready and willing to take a little bit of time and plan to live your life on your terms? 30 . father. Sounds like success to me. The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. along with nutritional meals and emotional support. upon marrying. they have not missed out on anything they’ve wanted. Although he and his wife share a modest home. have resulted in two stable children with above-average grades and well-adjusted social skills. He’s been a total success. While avoiding expenses like costly entertainment or expensive vacations. and employee – or future CEO – because of this personal accomplishment.Lifemoney A 39-year-old business executive runs his first marathon. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community.

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

Once you have this in place. the hallmarks of success—money. time. or download a copy of the Workbook with all the exercises from my website – www. but more importantly. and edit if necessary to make them readable and clear.bradturk. asking yourself questions like these. skills. Explain. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. read over your ideas.com. 32 . What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. set a timer for five minutes.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. What themes emerge from the answers to the different questions? Did security come up over and over again or did freedom? Did a need to be your own boss emerge or would you like a little less responsibility in life and not have to be the boss? This activity will help you get a better idea of what you want from life and what you expect of yourself. in your opinion. etc. Then start writing about your views on success. 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. You can use a three-ring binder. open a document on your computer. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you.

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

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

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

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

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

you will build on the first lesson of this book. I expect to make great plays.” by exploring who you were to determine who you are and clarify who you want to become. In Lifemoney Lesson # 2. It’s a journey that may veer off in a thousand different directions before finally coming to fruition. In my mind.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. 38 . “Defining Success. great moves. but it always starts with YOU. I can never be good enough…It just comes with the territory of knowing yourself and making the most of what God has given you.

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

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

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

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

Knowing Yourself 3. 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. Let’s say for instance that when comparing the events above words like “organization.” “thorough.” and “selective” came up in one form or another with each of the three achievements. You may even recognize the type of goals that attract you. some may be more physically oriented. You’ll begin to see how that person might emerge in the next stage of life. like academic work. As you think about the things you’ve done that you have enjoyed and made you feel good. and so on. like sports competitions. 43 . while others could relate more to mental functions. you: • • • • • Dated selectively Looked in the right places Studied my partner’s character before getting serious Worked on my weaknesses Got pre-marital counseling “I found an amazing partner and have a stable marriage.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. 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. Look for patterns forming.

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

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

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

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

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

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

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

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

Why? Turns out he had Lifemoney Lesson # 2. adoring women. you must understand why you feel a million dollars will equate to happiness. Here was a guy who seemingly had it all – loads of money. it might not be what you expected. wouldn’t you almost kill for a chance to be a big Hollywood success? And what are the chances that you’d walk away from your success at the very pinnacle? That’s what happened to former TV heartthrob and star of the hit TV series “90210” James Walters. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. Know yourself and double check your motivations for success. the Hollywood Dream – and he left it all behind to risk his life and fight fires. As an example. down cold. Understand that fortune and fame doesn’t equate to success.Lifemoney highlighting what’s required for success. For example. be careful what you wish for. In other words. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. and comparing those qualities with what you deeply desire to develop within yourself. What remains important is that you feel successful at every step of 52 . if you want to make a million dollars.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. screaming fans. Knowing Yourself. making a million dollars doesn’t necessarily mean you will be happy. because he knew he couldn’t be happy doing anything else. knowing yourself and being true to yourself makes you successful. because when you get it. Make Less .

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

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

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

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

Knowing Yourself

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



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

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

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


Overcoming Obstacles

Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles

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

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


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

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


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

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

timeframes. Understand the testing process (where given. Prepare for exam iv. Let’s set up an action plan for your goals right now.) iii. Goal Achievement Exercise G Take out your Workbook. etc. Find out construction costs for renovation ii. It could look something like this: Goal: Open a home based travel agency: Top three objectives and possible action steps: • Get travel agent license i. Order a separate phone line from the telephone company iv.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. Research classes that offer test preparation for agent exam ii. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. It’s what lies in the gap between setting goals and achieving goals that separate Kanye West and the no-name rapper I talked about earlier. Start looking into office furniture and equipment iii. Below each. Clear space for new furniture 63 . What bridges that gap? Action steps. break the list down into three or four action steps you would need to take in order to reach that objective. An action plan is just a series of steps you plan out ahead of time to take systematic action. We all know that goals just don’t happen. Schedule exam • Build out basement to accommodate office i.

Figure out what amounts of money will be needed to live off of while building the business iii. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable. 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. Figure out a budget of what the business will cost ii. but they also add urgency to their goals by making themselves accountable to deadlines. objectives and action steps. deadlines slip sometimes and you have to readjust your schedule. Successful people know that there are few assets as valuable as time. Sure. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. 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 .Lifemoney • Raise and save enough money for expenses and salary cushion i. So not only do they spend a lot of time managing their time. Now you’ve written goals and some action steps that lead to the goals.

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

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

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

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

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

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

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

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

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

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

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

Stallone refused to fail. star and creator to see his project come to life. you may never know. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. then ask yourself questions like these right now to avoid making failure an option: • • • • • • What type of lifestyle changes do you plan to make? Do you need to move to a new place? Should you change jobs? Do you need a different eating plan? Do you need to make time to get more exercise? Which skills will you need to develop to improve your capabilities? 76 . If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed. at last. How far are you willing to go for success? If you concede failure before you even begin. but lost out on several of them because he believed he was the only actor who could pull off the lead role to his demanding specifications. Much like the boxer in his now famous movie.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. He persevered until. Even when some degree of success was in his reach – he was offered thousands of dollars to buy the script at a time when he and his wife really needed it – he saw a half-deal as a failed deal. he found a movie studio willing to buy both his script and his portrayal of the main character. Sylvester Stallone went through huge trials and tribulations as a writer.

if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. But it is never too late to achieve your desires. Life circumstances and 77 . Emotionally speaking you may be thinking it’s too late for you to change. you may be tempted to light up with your buddies at the bowling alley. Being a doctor has been her desire since she was a child. For example. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights. my sister enrolled in medical school. You might feel too old to reach your goals or that it is too late to realize your dreams.Overcoming Obstacles • • • • • Do you need technological expertise? Should you take a class? Should you attend a marriage seminar or see a marriage counselor? Should you seek help from a professional consultant? Who do you know that could be a possible business partner or help you connect with the right business partner? • Do you need to network with others in your field to enlarge your knowledge boundaries? • • • • Will your current job or career environment support these needed changes? Does your company recognize and reward growth? Can you make more money or advance more rapidly at another company? Does your company pay for tuition reimbursement? Answering these questions might require some habit changes. At the age of forty. This becomes a lifestyle challenge that you must address.

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

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

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

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

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

Tools for Success

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



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

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

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


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

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

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


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


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

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

From now on. Let’s do an efficiency exercise. you may need to reconsider that decision. from time spent with friends to starting a home-based business. 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. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. You also should get in the habit of counting the “efficiency cost” of each decision you make. some activities are more efficient in getting you 89 . Goal Achievement Exercise L Take out your Workbook. Not pushing paper or daydreaming.Tools for Success how much more you could produce in your own life with four highly concentrated and efficient hours per day of real work. when you get the chance to make decisions. weigh each one with a view to your goals. Everything in life has a price tag. My guess is that you will get more done in four focused hours than eight unfocused ones. but efficient work. I would like you to list five things you are doing today that could be done more efficiently – and at least one step to boost your efficiency. Ask yourself. In other words.

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

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

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

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

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

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

He went from hanging out and drinking at clubs (I know. 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. give 100%. Daddy's House Social Programs and the public schools of New York City. Follow through.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon. 22. because a 99.517. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268. Here’s a breakdown of how things might look if only 99.000 checks will be deducted from wrong bank accounts in the next 60 minutes.9% effort were given. You have no choice really.488. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. Go big or go home. 1.500 defective personal computers will be shipped this year 2. 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.200 books will be shipped in the next 12 months with the wrong cover 5.9% effort will not get you where you want to go. He set a goal and did not stop until he reached it.200 cases of soft drinks produced in the next 12 months will be flatter than a bad tire • Two plane landings daily at O’Hare International Airport in Chicago will be unsafe 96 .2 miles.260 income tax returns will be processed incorrectly this year 2.

Oliver Stone.Tools for Success • 3.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9. Do You Have the Pit Bull Mentality? I think another illustration of how successful people stay committed to what they want is when the actor/comedian Jamie Foxx auditioned for the role of Willie Beamen in the classic movie about pro football.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880. Any Given Sunday. Jamie was already a 97 .690 will be spent today.” He did not believe Jamie could pull off the part. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20.900 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.000 incorrect drug prescriptions will be written in the next 12 months 114. wanted nothing to do with Jamie.500 mismatched pairs of shoes will be shipped this year $761. saying Oliver Stone didn’t know what he was talking about. He even went so far as to tell Jamie that he “would not waste one inch of film on him. tomorrow. The director. next Thursday and every day in the future on defective.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18. Jamie could have easily walked away. often unsafe.

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

or hour passes it is gone. Fourth. 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 . Last. Third. you go to it. minute. and resources. talents. Lifemoney Currency ”Success doesn’t come to you.Tools for Success second.

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

You add them all up. 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. to 101 . Progress Report When Will Smith played the lead character in The Pursuit of Happyness. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. At one pivotal point in the movie. Gardner believes he has over $600 in the bank.” -Christopher Gardner Overview Finally.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count. but just starting down the road to success is one small step for you. your plans for reaching your goals are in play. compassionate and ultimately successful man named Christopher Gardner. one giant leap for your life. as long as you are going forward. and one day you look back and you’ll be surprised at where you might get to. he took on the role of a complicated.

including printing. 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. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. It will cost about $5. you need your plan clearly laid out and a means to track how you’re doing. 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. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach.500 shirts to local retailers. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. You’ve decided that you’re going to launch your t-shirt line six months from now. Busy work doesn’t get it. and literally withdrawn it from the account. 102 . filled out paperwork for an extension. For example. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. shipping and delivery of the first 2. While the event seems tragic. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. But don’t worry: patience and paying attention brings progress toward your goal. The resulting loss sent Chris and his young son onto the street. to do everything that you want or need for your dreams to become reality. it’s easy to wander and not finish the essential steps that lead to your goal. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them.Lifemoney the tune of $600.000 for everything you need to get started. it will most likely take months. When things take time. Instead. if not years.

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

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

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

Even if you don’t fill every moment with related tasks. Enjoy the thrill of getting better. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. I will get expert help and assessment. Some weeks. keeping a grid like this one will show at a glance what you are doing. 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. Year-round practice will improve my skills. and equipment of golf. I will surf Internet for local golf pros. Check yellow pages for indoor putting green. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest.Lifemoney Goal: Become a Scratch Golfer In Two Years Date January Week #1 January Week #2 January Week #3 January Week #4 Practice indoors during bad weather for an hour per week. 106 . Learn terms. Outcome I will enjoy my golf game more and feel a sense of accomplishment. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. I will make the time to sign up for lessons and commit an hour a week to practice. to work toward your goal. by the way. For instance. and how often. Call for subscription to Golf Digest. When you go back and check your grid periodically. pros. will be spent revisiting an earlier action step. you can quickly and objectively measure your devotion and success in chasing your dream. Read one golf magazine article per week to learn more. Action Step I will take 2 hours during the first week of this month to write out my plan.

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

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

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

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

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

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

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

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

_____ 10. Lifemoney Currency “Be consistently consistent. I will be quick to admit my weaknesses _____ 7. I will check the grid periodically and make any needed changes. I will make efforts to change or eliminate bad habits. _____ 8. _____ 5. _____ 4. _____ 9. In gathering feedback I will ask good questions. _____ 3. I will invite and accept criticism that is given with a view to helping me. along with my progress at regular intervals. I will reevaluate my goal. I will solicit feedback from experts. _____ 6.Evaluating Progress 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.” -Brad Turk 115 . _____ 2. 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. and then tally your score. I will create a grid for recording action steps that lead to my objectives.

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

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

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

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

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

hoping to master the computer in one easy lesson or not at all. 4. And in my experience. You see steps. You love to learn. Book is your favorite word. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. Look for solutions in the most unlikely spots. I see problems. You want to climb the attic stairs.ca/athomas125/hanna. With wild abandon you tackle new words. Questions are your favorite tools. you can’t know everything.htm. You want to paint. you see colors. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. I see mess. You want to know everything. You find laughter in mistakes. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere.shaw. Here’s a thoughtful letter written to a child from her grandfather. It was taken from the web site http://members.Resourcefulness You don’t know everything. I've forgotten how to laugh at blunders… 121 . I see danger. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. I find embarrassment. new skills. I struggle to learn. You are only two. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. My dear granddaughter Hannah. 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 walk right up to a stranger and smile. you might be given all sorts of misleading ideas. At lunch you boldly bite into broccoli.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. tomorrow you will tackle cauliflower with the same exuberance. I love you for who you are! Grandpa Dan Dear Lord. I stick with the familiar favorites. These could be friends. Just keep going until you find the information you really want.Lifemoney You are courageous. But that comes with the territory. neighbors. help me to grow up and become just like Hannah. or information you can’t really use. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. After talking to one resource person or another. Ask questions that seek out detail rather than just yes and no. 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. and relatives who may have an idea or solution to your problem. 122 . if it's not too late. and though you dislike it. Talk to people from teens to retirees. Keep Looking . asking questions about their perspectives and ideas. And learn to ask better questions and be a better listener. Sometimes you may not know where to begin the quest. Look around for success “MacGyvers” hiding in plain sight all around you. When you’re listening to an answer. You have to take the good with the bad in your search for answers and put all your resources into continuing the search.

Number 2: Buy a book or magazine You can find dozens of books and magazines in your goal area or where you want to learn new things. you can just read while you’re there. often at the press of a button. Even as there are more and more of us. buy a cup of coffee. Instead of sitting in front of the television or playing video games. In a larger bookstore chain. There’s no better or quicker way to 123 . That’s the beauty of the modern world. ask a store associate to order materials for you. Here are four incredible resources. All you need to do is pick a search engine (I use Google. and read a recent biography of someone you admire or a book on a topic related to your goal.Resourcefulness You probably won’t find everything you need in your back yard. 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. But you can go anywhere you want and talk to whoever you like. If you don’t find an exact match. you should be able to find worthwhile reading. try different variations of the same words until you find what you are looking for. You don’t even have to buy the books. If not. find a seat at the café. Look at the jackets and back covers for ideas about whether a book will be helpful. Don’t be afraid to use all of the resources available to you to gather more resources. technology is bringing us closer together. Whatever your needs or interests. You can even use full sentences to pinpoint the closest data to your topic search. spend your time searching for buried answers. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. spread far and wide.

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

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

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

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

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

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

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

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

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

I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. 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. objectifying your goal. looking at things from a different perspective. asking big and avoiding the herd mentality. Trump had no 133 . He bought the property in 1977 when that part of New York City was in terrible shape. They are your real wealth.Creativity Lifemoney Lesson # 7: Creativity “Rules? Hell there are no rules! We’re trying to create something here!” -Thomas Edison Overview I have built this book around the idea that your personal qualities are like money to you. These include visualization. directly across the street from Grand Central Station. your Lifemoney.

Lifemoney other major properties at the time and was told that this was not only “out of his league” but would prove to be “a terrible investment.” Even though he was only 26, Trump’s imagination was endless and he saw something nobody else saw in that property. He was sure the city would eventually revitalize the area and that building would be a goldmine. But Trump did not have the wherewithal to do this deal on his own. For most people, the dream would have died there: no money, no deal. Not for Trump. Donald could clearly imagine a major hotelier working with him on the property, and convinced Hyatt to manage the property. It became the Grand Hyatt, with Trump and Hyatt owning the hotel on a 50/50 basis. But that wasn’t even the best part of the deal. In addition, Trump got Hyatt to agree that it would never manage another hotel in New York City. Trump was so immersed in his creative ideas for real estate that he would ask for outrageous things without thinking anything of it. These weren’t outrageous requests to him, just obvious ones. This boldness was born of creativity. It was a mindset that drove him to propose many more innovative projects. It is this type of can-do, creative thinking that, if adopted, will give you an edge in reaching your goals faster. As Trump shows us, imagination, creativity, brainstorming and audacity are some of the mental currencies of success.

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



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

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

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

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


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

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

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

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


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

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

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

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

Lifemoney was a wreck and was on the market for so long. does medical billing and is the office manager for a doctor’s office.000 and after spending $25.000. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. 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. You can do this in your own life. Most people who walked in there did not see the value of the place and could not picture what the place could look like. So try! It is a valuable lifemoney skill that can translate into big cash money. Although Liz was happy with the money she made and her success in what she did.000 down to $150. 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. How? We were able to get the price from $165. 142 .000 co-op for $175. By shifting perspective. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. David helped me to see the real value of that deal. Anybody can see what’s obvious but only a few can see potential. Liz. she really wanted a more flexible schedule. My girlfriend. Creativity Factor #4: Ask big There is huge power in learning to ask big. it appeared that I would be buying a $200.000. She envied my work schedule and the fact that I could arrange my days as I saw fit. After David did the math with me. She is good at her job and has been with the same company for over 10 years.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200.

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.

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


_____ 4. _____ 3. Is there some way to save time or money at your job? Can you trim the household budget? How about trying out a new skill? Most people have a lot of potential that goes untapped. I have objects around me that symbolize the success I seek. Remember that one of the most important aspects of creativity isn’t seeing what’s there. Take the time to evaluate your situation and try a creative approach. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. but seeing what’s not there.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. _____ 2. 147 . giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 5. Make the time. I seek out new perspectives to old problems. Don’t let yours go to waste. and invest the energy in some creative thinking about going after the things you want.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. Engage your creativity now by taking stock of your situation. I can visualize my success through a variety of mental pictures. Lifemoney Currency “A problem is a chance for you to do your best thinking. and then figure your score.

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

People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. For almost any goal you may have. getting others involved will be a major key to your success. if people get better at these people skills. everyone benefits” -Daniel Goleman Overview I am going to introduce you to my very simple and powerful twelve-steps to becoming a more persuasive and accomplished people person. 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. professional and powerful way will not only aid you in achieving your objectives. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. So learning to interface with other people is vital to realizing your goals. 149 . Using people skills in a competent.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Positively Thinking Practice turning negatives into positives. If you grew up wealthy – good. You dream 169 . Change the channel and play the role starting now. you better change your mental channel. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. I was able to become wealthy.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. 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. If you catch yourself repeating the complaints above. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. so use it positively. If you feel yourself beginning to argue with me. You have the resources others don’t have. STOP! Forget the excuses! If you grew up poor – good. It starts in your head with your mental remote and plays out in reality. What makes you different from any other human being? Nothing! You should be able to attain all the things you want in life including your dreams. Lifemoney Currency “Just can’t live that negative way…make way for the positive day. In America. there is nothing stopping you from becoming all that you dream of becoming.” Your mind is yours. How do you work this “mental” remote? If you act like you are already successful the achievements you want and deserve become a near certainty.

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

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

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

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

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

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

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

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

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

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

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

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

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

to get his first film project. Since then Spike Lee has produced at least 22 other films that have made over $433.000. you have to make those kinds of sacrifices. This much I can tell you. Many immigrants come to this country with nothing but the shirt on their backs. there are people who were born in this country who complain about the lack of jobs.Sacrifice Borrow. Within a generation.100.big time! Big or small. In 1986. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying. Some work two and three shifts for years at a time. Was the sacrifice worth it? You’d need to ask him. but I can tell you that Spike would probably say yes. They are simply unwilling to sacrifice anything to get where they want to go. They lay everything they have on the line. Ask filmmaker Spike Lee.000 to make the movie and it grossed $7. store or business. off the ground he did just that. It’s a real risky strategy but sometimes when you believe in something strongly enough. sacrifice is often a part of any success story. 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. grateful for the opportunity to have all the work they can handle. rigorous job to get where they want to go. But if that was the only way. Why? Because they work hard. some become millionaires. She’s Gotta Have It.000 in domestic box office sales. Yet.000 in sales. It cost him $175. saving every penny to open a restaurant. I will tell you right off the bat that I wouldn’t be. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants. would you? 183 . sleeping just a few hours a day. Spike Lee knows that sacrifice can pay off .

” -Dali Lama Sacrificing for Success Mike Luckovich. to reach out and grab your future? • Just how far are you willing to go? It’s vital to answer these questions and know these things about yourself. Lifemoney Currency “Judge your success by what you had to give up to get it. took a job as an insurance salesperson straight out of college. at almost any cost. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. 184 . Ask yourself the following questions: • • • • What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes. Pulitzer Prize winning political cartoonist. He had to sacrifice his nights and his only free time in order to get where he wanted to go. There were no shortcuts to success.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested.

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

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

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

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

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

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

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

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

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

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

I will put forth 100% effort at all times. 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 . I am learning to delay my gratification for both the present and the future. I am prepared for life. and then tally your score. _____ 8. _____ 2. _____ 1. ____ 10. _____ 9. Some of my goals will require that I hang tough. _____ 3. giving yourself 10 points for each checkmark and 0 points for any left blank.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. I am willing to pay the cost that is required for me to meet my goals. _____ 7. I am willing to set aside less important activities to focus on my goal. I am pulling the trigger on my talent today. _____ 6. _____ 5. I believe that planning for the future is as important as getting by today. I have identified several things in my life that I must sacrifice for success. _____ 4.

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

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

How do you and I remain urgent without dying from impatience and anxiety? The big lesson I’ve learned is to focus on controlling what I can control. I’d brought on an investor to put up the money for the deal. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. I can’t control those timeframes. I told 198 . It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me.Lifemoney tool. 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 need to clear it from my mind. I have an unrealistic expectation of speed. If I’m not careful this can create impatience in me. It’s a quality that helps me act quickly and get an enormous amount done. Based on where I was in the process and the faith that I had in my contacts in Mexico. If I can’t change or alter a situation. This is a struggle for me as it might be for you. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. 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). And this is probably true for you too. 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. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. But when urgency is applied to things I can’t change. Mexico. and don’t let the things I can’t control stress me out.

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

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

The 5 Year Test Another very effective technique I use is the 5 Year Test. When I am having a bad day. In 5 years looking back at the issue. Here’s a very personal technique I rely on to help me enjoy the daily journey.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. 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. Don’t take time for granted and let your life pass you by. We need to count our blessings and enjoy what we do have and make the most of every day. I find something to make me realize that it’s not as bad as I think it is. will I even remember it? How will it affect my life? Try it! Either take a problem that you are going through now or remember one from 5 years ago and see what came of it. For example. If you do. I’ll realize today is beautiful and I should appreciate my health. before you know it. Chances are you will look 201 . you will wake up and have missed out on what life really has to offer. Remember when you were a kid and you wished you were older? How many of you wish you were younger again? We always wish for what we don’t have and don’t appreciate what is right in front of us. You need to start enjoying a little everyday. You need to live today like it was your last day and plan for tomorrow as if you were living forever. 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. Think of all the fun and excitement you will miss if you don’t savor every moment. I open the window or take a walk outside and enjoy it. Who said life has to be hard? It is only tough if you make it tough.

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

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

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

If you can’t stand doing what you’re doing. Day after day. My suggestion is that if you have a good job for which you don’t feel a lot of passion. But what if your job is the last thing you feel passion for? What if you are one of those people who has to put up with an aggravating boss. writing one manuscript after another and firing them off to the publishers in hopes of being accepted. 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. he locked himself into his attic office and plugged away. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. 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. You can do that. Try to create an external world outside of your business that enables you to have fun. But whatever you do.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. see your job as your vehicle to get you someplace else. be stimulated and enjoy life….and create some financial success that can free you. Then one day he 205 . then look hard to find something you’re passionate about and consider a career change now. Sometimes the ends do justify the means.” At least that’s the way I am. There is a story about a young man who wanted to become a famous writer. In fact. He hardly noticed the leaves turning colors outside his small window. long unwanted hours or working in a field that’s paying the bills even if you don’t enjoy the work? What are you supposed to do? I’ve never been a person that thinks you need “passion” for your job to get what you want out of life.

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

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

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

101 Affirmations 209 .

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