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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....


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

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

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

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

Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire. it’s at what income. new entrepreneurs perfectly – but can be adopted at any age. Money is simply a tool to help you get what you want out of life. Lifemoney will show you what you really need to live the life you want.” -George Foreman Life comes first. 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. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young.

000 a year or $2.000 in quarterly bonuses. 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. Part self-help. If it’s career happiness you’re looking for. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. Imagine having the task of hammering a nail. In this book. Would you use your shoe? Would it work? Possibly. it’s the dollar figure you define. part financial management. part how-to. a new home. For example. be it a million dollars. a new job or just a raise or promotion in your current job. if it’s money that you’re after.One of the most unique features of Lifemoney is that it’s entirely personal.400. 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. yet most people don’t use the correct tools to get what they want. 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. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. it’s not the dollar figure I define as Lifemoney that’s important. it’s the job that makes you happy on a daily basis or brings you closer to your goals. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . It could be $240 a week or $240. it’s not the job that I feel is prestigious that matters.

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

4 . In this book. 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. While reading Lifemoney you will become familiar with these attributes. see what works for you and. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. 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.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. 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.

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

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

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

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

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

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

My Lifemoney made it through. I learned early on that being a struggling actor was not for me. and was eventually inducted into the Phi Eta Sigma national honor society. I applied for a double major in business and theater and. 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. The following semester I got a 3. I changed my habits and learned how to be a student. Although you can make a good income from acting. And.92. For these reasons. 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. After getting in. If I was going to “screw up” like I did in high school. they didn’t want to pay for it. I got accepted.88 grade point that term. I earned a 3. My father had resurfaced in my life to pay for college. they explained. With this pressure from my parents. I had a hard time getting into college. I realized that my next job was staying in. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. I was looking to make a lot of money and enjoy nice things. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. using my acting resume. It was a great lesson: Not all of success is flashy and easy. Through hard work. 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. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. The only thing to be decided was how I would get where I wanted to go. 11 .

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

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

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

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

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

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

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

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

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

That makes me happier than I can possibly describe to you. Later I was a college graduate looking to intern for a major hip-hop record label. I am sometimes surprised by all that I have accomplished in such a short time. Inc. but on my terms. friends and family while providing a marketing platform for them to make their dreams come true.com Sometimes success comes full circle. In 2007. 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.My Lifemoney Self Made Records. although I brag about being retired. And I love it! Why? Because I’m sailing my own ship with no boss. looking to blend business with pleasure. Inc. and My Music Site. set to launch in the fourth quarter. Now I was a successful entrepreneur. I am now in the process of coding and developing mymusicsite. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. with little to no risk and helping others all at the same time. I signed some artists to my label and I am currently marketing and promoting them.com are both my hobby and business. Inc. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. no limits and 21 . I have been launching companies left and right. And what’s best is that I can afford to be patient. I am doing what I love. Self Made Records. 2007. It was a lot of work but it has been gratifying beyond words.com. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. I will make independent artist’s music easily available to their fans. For Self Made Records. in reality I’m busier than ever. But I can afford to do this because I love it. / MyMusicSite.

com (www. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating. The business is called Meeting ExpressO (www. friends and family. In addition to being its creator. I just launched TellBrad. satellite television. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee.mymusicsite.tellbrad.com).com (www. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. Meeting ExpressO will provide full access to conference rooms which include internet. We will make independent artist’s music easily available to their fans. specialty beverages. phone. I am also in development on another site called MyMusicSite. and business services. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”.meetingexpresso. These services will be available to groups as well as individuals that need a place to work between meetings or just to kill some time. I am also providing a marketing platform for these artists who want to make their dreams come true.com). This is a free website that gives the consumer a voice and enables them to be heard (rant/rave/leave video complaints) to both other consumers and the companies they speak of. I will 22 . In addition.com) and is a retail conference location /coffee shop. and snack items. Lastly.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. In addition to that business. break dancing on street corners and hustling for business opportunities.

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

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

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

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

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

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

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

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

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

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

Most people just never make the move to define what they want and where they’re going. She lives in a trailer and recounts that.” 33 . Not Cash) Congratulations! You’ve taken a huge step. “If I only had money. won the New Jersey lottery twice. something of a statistical freak. “Everybody wanted my money.” These beliefs about money are all wrong. Money in itself does not equal success. Welcome aboard a new life. they’ll tell you: • Evelyn Adams. in 1985 and 1986. It was totally a nightmare. • In 1988. Ask the following people. after declaring bankruptcy. But you just did. We all do.2 million in the Pennsylvania lottery. Says the man who. If you were handed everything you wanted without working for it. too. Having come from a “no money” background. What does she have to show for it now? Zippo. It’s amazing how some people perceive money as the answer to all their problems. Her total take was $5.” Her hand was out. William “Bud” Post won $16.4 million. Completing this exercise brings up a point I think worth exploring. you might find you are still unhappy. Everybody had their hand out. at gambling venues.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. I know many people with little or no money. now lives on Social Security and food stamps: “I wish it never happened. I’d be so happy” or “Everything in my life could be fixed with some cash.

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

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

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

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

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

or two-time divorcee. 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. 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. a computer whiz. you need to know who you are. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. a student. a company executive. He stuck with the decision. unsure or even unwilling to concentrate on what we might be great at? Often the difference between being good and being great is making adjustments that allow you to spend more of your time developing your greatest strengths. Who are you? Who are you? That probably depends on who you ask. lawyer. Before you know where you’re going. or a musical genius. How many of us hover around the comfort zone of what we’re good at. son. He took a lot of heat for his decision because he was a GOOD pitcher. This is valuable advice for many of us. right? You might be a wife or husband. a son or daughter. they don’t define you. 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. unemployed worker. a basketball pro. Maybe you’re carrying around a little extra baggage as a high school dropout. 39 .Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. father. But life success is a self-test. because he knew he had the ability to be a GREAT batter. someone’s parent. not a popularity contest. But all of these titles – husband. one of baseball’s legendary home run hitters.

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

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

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

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

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

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

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

or not taking shortcuts on a project. For instance. You also can add things about your character that could benefit from improvement. you can have the best intentions in the world when interviewing for a new job. even deciding how to invest the extra money you’ll be making. 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. like shyness or arrogance. like being able to say “no” when you don’t want to do something. 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.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. These could include personality drawbacks. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. But if you’re late to the interview. what good is all that positive self-talk? 47 . Now write down a few of your weak areas.

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

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

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

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

Find More As you learned in Lifemoney Lesson #1. and comparing those qualities with what you deeply desire to develop within yourself. adoring women. For example. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. be careful what you wish for. What remains important is that you feel successful at every step of 52 . screaming fans. Here was a guy who seemingly had it all – loads of money. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. if you want to make a million dollars. wouldn’t you almost kill for a chance to be a big Hollywood success? And what are the chances that you’d walk away from your success at the very pinnacle? That’s what happened to former TV heartthrob and star of the hit TV series “90210” James Walters. As an example. because he knew he couldn’t be happy doing anything else.Lifemoney highlighting what’s required for success. down cold. Know yourself and double check your motivations for success. Knowing Yourself. In other words. making a million dollars doesn’t necessarily mean you will be happy. knowing yourself and being true to yourself makes you successful. Make Less . because when you get it. Why? Turns out he had Lifemoney Lesson # 2. you must understand why you feel a million dollars will equate to happiness. Understand that fortune and fame doesn’t equate to success. it might not be what you expected. the Hollywood Dream – and he left it all behind to risk his life and fight fires. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second.

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

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

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

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

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


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

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

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

Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable. Successful people know that there are few assets as valuable as time. deadlines slip sometimes and you have to readjust your schedule. When you sit down to make your plan and you see that both of your children will enter college within the next ten years and your spouse is going to need significant surgery in the next year you may 64 . Figure out a budget of what the business will cost ii. Start putting away money weekly toward travel agency iv. objectives and action steps. Now you’ve written goals and some action steps that lead to the goals. Sure.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. but without a schedule to start with you’ll never know if you’re slipping. but they also add urgency to their goals by making themselves accountable to deadlines. Figure out what amounts of money will be needed to live off of while building the business iii. Let’s say you want to own your house debt free within ten years.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Just look around you: for the most part we can run our whole lives by pushing buttons that activate machinery to do stuff for us. Here are some of the strategic tools that will help you succeed in achieving whatever you dream: • Tool # 1: Focus • Tool # 2: Time Management • Tool # 3: Efficiency • Tool # 4: Priorities • Tool # 5: Commitment Lifemoney Currency “There was a time when nails were high-tech. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make.” -Tom Clancy 82 . nearly everything in our world is a tool. you need to select and develop the tools that will help you achieve your goals. People use tools to improve their lives. If you stop to think about it. successful people use many of the same mental tools – and use them well. There was a time when people had to be told how to use a telephone. Though different tools may suit different people best. cars or computers . Whatever the task requires . Now that you’ve made up your mind to go after your dreams. Technology is just a tool.our tools surround us. We create mental tools to help us achieve greatness as well.Lifemoney We’ve been innovating and making tools since we lived in caves.stoves.

Tools for Success

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



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


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

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

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

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

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

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

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

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

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

9% effort will not get you where you want to go.200 books will be shipped in the next 12 months with the wrong cover 5. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. He set a goal and did not stop until he reached it.260 income tax returns will be processed incorrectly this year 2.200 cases of soft drinks produced in the next 12 months will be flatter than a bad tire • Two plane landings daily at O’Hare International Airport in Chicago will be unsafe 96 . this was based on a study done in the 1990’s that circulated in email: • • • • • • Two million documents will be lost by the IRS this year.500 defective personal computers will be shipped this year 2.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon. give 100%.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268.2 miles. 1.488. You have no choice really. Here’s a breakdown of how things might look if only 99. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation.9% effort were given. He went from hanging out and drinking at clubs (I know.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. 22. Daddy's House Social Programs and the public schools of New York City.517. Follow through. I saw him) to a few months later running 26. because a 99. Go big or go home.000 checks will be deducted from wrong bank accounts in the next 60 minutes.

tomorrow.900 will be spent in the next 12 months on tapes and CD’s that won’t play 107 incorrect medical procedures will be performed by the end of the day today 315 entries in Webster’s Third New International Dictionary of the English Language (unabridged) will turn out to be misspelled. wanted nothing to do with Jamie. 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. often unsafe. Jamie could have easily walked away. next Thursday and every day in the future on defective. Jamie was already a 97 .” He did not believe Jamie could pull off the part.500 mismatched pairs of shoes will be shipped this year $761.Tools for Success • 3. The director.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18. Any Given Sunday. saying Oliver Stone didn’t know what he was talking about.000 incorrect drug prescriptions will be written in the next 12 months 114. He even went so far as to tell Jamie that he “would not waste one inch of film on him.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880.690 will be spent today. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20. Oliver Stone.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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. your Lifemoney. Trump had no 133 . Now I want to talk to you about the one Lifemoney skill that might be the most important to anyone wishing success in life: creativity. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. They are your real wealth. asking big and avoiding the herd mentality. These include visualization. He bought the property in 1977 when that part of New York City was in terrible shape. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. looking at things from a different perspective. directly across the street from Grand Central Station. objectifying your goal.

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.


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

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

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

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

000. Most people who walked in there did not see the value of the place and could not picture what the place could look like. does medical billing and is the office manager for a doctor’s office.000 down to $150. By shifting perspective. She is good at her job and has been with the same company for over 10 years. Creativity Factor #4: Ask big There is huge power in learning to ask big. She wanted the ability to occasionally pick up her son from school and also did not want to be tied down to the typical 9-5 work week. Anybody can see what’s obvious but only a few can see potential.000 co-op for $175. You know why? Asking for big and bold things always generates creative new ideas and usually uncovers a solution to your problem that you might not have thought of.000 and after spending $25. 142 . You can do this in your own life. David helped me to see the real value of that deal. Liz. it appeared that I would be buying a $200. she really wanted a more flexible schedule. Although Liz was happy with the money she made and her success in what she did. My girlfriend. How? We were able to get the price from $165.000. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200.Lifemoney was a wreck and was on the market for so long. She envied my work schedule and the fact that I could arrange my days as I saw fit. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. After David did the math with me. So try! It is a valuable lifemoney skill that can translate into big cash money.

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


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

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

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

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

I micromanaged him. but it allowed me to really connect to my reps and form lasting friendships. Are you a people person? Few of us respond to every situation in perfect form. Be as specific as you can. I treated him how he needed to be treated. Think of a past problem you had with a specific person. you need to know what their needs are. and told me that he needed that treatment to get him where he wanted to go. So to get the most out of people and to win them over to your cause. especially when it comes to dealing with people.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. Lifemoney Currency “Shared joy is a double joy. Not only was this experience a financial success for me. Reflect on why that might not have gone exactly as you’d hoped and ask yourself the following questions: • • • • What were my preconceived notions about this person? How did they affect how I dealt with him/her? What could I have done differently? How could I respond better next time? 151 . Anyway. He later thanked me for helping him. and at least once every day gave him a swift kick in the ass.People grieve. some I still have to this day. Shared sorrow is half a sorrow.

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

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

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

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

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

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

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

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

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

I know this is extreme and there are times when being late can’t be avoided. 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. Also. especially in business. If you can’t be trusted on one issue. to a successful person. Even if it is just to arrive to a meeting at a certain time.People off and burn bridges. 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. chances are your credibility will be shot for all that you do. time is their most valuable asset. 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. more opportunities will be sent your way. Step # 11: Your Word is Your Bond Do what you say you are going to do. When people know you are dependable. Your word means everything. but this true story illustrates how sensitive some people are to lateness. I had an appointment with someone and I showed up 15 minutes late. 161 . As I mentioned. being late is a sign of disrespect for someone else’s time.

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

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

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

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

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

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

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

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

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

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

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

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

Helen Keller.” -Lou Holtz.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. 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. Some famous examples include Beethoven. Positive thinking sets them on a course for achievement. I never had a crisis that didn’t make me stronger. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. 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. broadcaster 174 . football coach. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. whose deafness did not stop him from composing classic musical compositions. who minus sight and hearing became a model of inspiration to others. or at least their little piece of it. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life.

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

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

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

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

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. and you have to fight. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. but you have to think positive. Lifemoney Currency “Anything is possible.” (Positive. detailed and valuable) Use your imagination to come up with more positive statements like these. After a few weeks. Everyone makes mistakes.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. “I won’t charge more than $50 weekly. pre-recorded message that reminds you to stay on track. “I’ll use just one credit card. 179 . “I’ll pay my balance each month. it’s how you view them and what you do about them that matters.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. specific and helpful) 2. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. but the important thing is to think positive. Instead. update the success thought for a related goal. such as. When you fall down.” (Positive. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance.

” 180 . remember that you are responsible for how your life turns out. Don’t let anything keep you from getting it. Think about the things that are positive in your life.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. 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. Keep focused on what you want.

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

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

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

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

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

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

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

but less than twenty percent of the population do so. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. But if you save and invest it. too. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals.” -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. If you spend all you have. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. The wealthy will have enough from current savings and investment plans. you will have enough for today and tomorrow. there will be nothing left. What percentage of your daily schedule do you devote to working toward goals? Are you so preoccupied with getting by today that you haven’t given much thought to the days that will follow? You really must plan on setting aside between three and six months’ of income in case of a job loss or disability. Underachievers live for the day and overachievers live for the future. 188 . It’s a simple fact of life. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal.

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

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

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

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

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

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

I am willing to pay the cost that is required for me to meet my goals. _____ 1. I am pulling the trigger on my talent today. I have identified several things in my life that I must sacrifice for success. _____ 8. _____ 3. _____ 5. Some of my goals will require that I hang tough. I am prepared for life. I will put forth 100% effort at all times. ____ 10. _____ 6. _____ 4. _____ 7. I am willing to set aside less important activities to focus on my goal. _____ 2. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 9. I believe that planning for the future is as important as getting by today.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . and then tally your score. I am learning to delay my gratification for both the present and the future. I have calculated my goals’ financial costs and scheduling adjustments.

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

jobs and friendships. 5) If something doesn’t work immediately. When you stress yourself to create results too quickly. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. But I am careful to differentiate urgency. When you force efforts. unhappiness and sometimes even anger. It’s as if patience is a simple building block of satisfaction. Accept that you don’t need to rush things ahead of their time and keep the belief that your day to day efforts will pay off in the long run. This can further result in losing important things like business relationships. Gradual change and growth give you the greatest chances for success. 6) I just don’t know where to start .this task has two many steps. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say.Enjoy the journey 2) I will never get to all the things I have to do. the results just won’t last long. This is one of my personal flaws that I am working on. 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. There are many negative consequences on health. you need to be patient and wait for your results. from impatience. which is a powerful force that gets things done. you run the risk of anxiety. which can be very destructive. 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. I’m going to move on to something else. How do I differentiate the two? A sense of urgency is a good and powerful 197 .

There is no way a sense of urgency can create the satisfaction of writing a best seller (let’s hope this will be) instantly because of the timeframes involved in the task. For example when I take on tasks that are really time consuming (this book for example). It’s a quality that helps me act quickly and get an enormous amount done. I can’t control those timeframes. And this is probably true for you too. 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. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. This is a struggle for me as it might be for you. If I can’t change or alter a situation. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. I need to clear it from my mind. But when urgency is applied to things I can’t change. I have an unrealistic expectation of speed. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. Mexico. I’d brought on an investor to put up the money for the deal. urgency turns damaging and can lead to senseless and sometimes destructive impatience. and don’t let the things I can’t control stress me out. If I’m not careful this can create impatience in me. Based on where I was in the process and the faith that I had in my contacts in Mexico. It seemed as if I had finally worked out all of the points (including the pricing) and that all that was to go to Mexico and sign contracts. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. I told 198 .Lifemoney tool.

So there I stood in Mexico. I flew down to Mexico for my big meeting and to sign paperwork.000 that was needed to get this project going. I wanted this deal done. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . I picked up my things and told the company I was meeting with that I would look over their new terms. and then I left the meeting. 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. When I sat down in my meeting and went over the paperwork that they had prepared. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. 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. regroup and come up with a game plan. he decided to partner with me and put up the $1. a partner who trusted me enough to put up that $1. When reviewing the numbers in this new version of the proposal it was obvious to me that we would lose money if we signed that deal. 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.6 million dollars. Based on the trust that I had built with the investor on past dealings.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. It took all the Lifemoney lessons I talk about in this book to get me through this situation. $1. Outraged by what transpired. There was so much I had no control over. and patience was number one.600.6 million already invested in the equipment needed for this project.

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

I open the window or take a walk outside and enjoy it.Enjoy the journey Enjoy the Journey The purpose of life is not to work hard for 40 years and be miserable so that you can retire at age 65 and enjoy the last years of your life. 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. 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. If you do. I find something to make me realize that it’s not as bad as I think it is. Chances are you will look 201 . We need to count our blessings and enjoy what we do have and make the most of every day. Don’t take time for granted and let your life pass you by. For example. The 5 Year Test Another very effective technique I use is the 5 Year Test. you will wake up and have missed out on what life really has to offer. In 5 years looking back at the issue. Here’s a very personal technique I rely on to help me enjoy the daily journey. I’ll realize today is beautiful and I should appreciate my health. before you know it. You need to live today like it was your last day and plan for tomorrow as if you were living forever. When I am having a bad day. 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. Who said life has to be hard? It is only tough if you make it tough. 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.

a joke. spending time with friends or family. Now. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. A good meal. they seem unimportant. that when you look back on.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. List 2 problems that you have had in the past. A death in the family is terrible and needs grieving. so we need to make the most out of our time. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. 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. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. list 2 problems that you are presently facing and put them through the 5 year test. it probably has no bearing on your life now at all. 202 . Time moves faster than we all want to believe.” Do you remember your first break up? No matter how sad you were at the time. or listening to good music should be enough to keep us going and to get us over daily disappointments. Getting fired from a job? That may be a blessing in disguise.

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

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

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

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

the small everyday things are the things you’re going to miss the most. It goes by both very fast and very slow. There’s plenty of time to be dead. If you’ve figured out what you’ll miss the most when you leave. 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. because when you’re finally done and outta here. you are missing out. play hard. you’ve gone a long way to deciding where to spend your free time. I want my rewards as I go along.” -Anonymous 207 . You need to have a balance. My motto is work hard. Lifemoney Currency “Enjoy life.Enjoy the journey that you are letting life pass you by. This much I know: success without enjoying your journey through your days is pretty worthless. and how to really enjoy the ride. Patience and Enjoying the Journey Summary Life is funny. Take the time to smell the roses. As life is moving by at warp speed we ask ourselves over and over again: How can I have the best life possible? It’s not an easy question to answer.

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

101 Affirmations 209 .

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