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The Proven System for Creating the Money You NEED for the Life You WANT
By Self-made Millionaire Brad Turk
life·mon·ey (n): the non-monetary currency needed to attain success and develop wealth and personal satisfaction
Copyright (©) 2007 Brad Turk
All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or any other means electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of the publisher.
This book is dedicated to all those success stories that were earned through a smart plan, hard work and dedication. To the underdog that went beyond what they imagined they could achieve by never giving up. To those that are on the road to accomplish this success, are committed to their cause and will not be sidetracked....
..................................................................................... Too!..................................................................................................................................................................31 Goal Achievement Exercise A............................... Inc.11 Learning About Business...................................................................................................................................................................................................... Retired by 35: What Lifemoney Means to Me.................................................................................................................................com ...............................34 Defining Success Summary ................................................................................................................ / MyMusicSite.......39 Don’t Be a Stranger (To Yourself)........................ ...............................................24 Want to Succeed? Sleep Late!................... Anyway? ...............................................................................................................10 Knowing Myself................................................. 1 My Lifemoney .....Table of Contents Introduction: Millionaire by 30............................................................................................................................... 6 Overview..................................................................................................18 Heat Wave Tanning................................ Not Cash) ........................................................................32 Win Life’s Lotto (Real Wealth is Measured by Achievement........................................38 Overview...................................Find More.....................................................................................................37 Lifemoney Lesson # 2: Knowing Yourself ..................................................................................................................................................................................................................................................................................................9 Looking for Motivation .....................................8 Persistence Pays Off .....................................................................................................................................................................13 Getting Focused...............................50 Goal Achievement Exercise E ...............56 v ............6 If I can do it… .46 Goal Achievement Exercise D....39 Who are you? .....................................................................................................................................................17 Global Business Solutions............................................................................33 You Are in Control...............................................................................................................................19 Self Made Records.........................6 My Early Years .....24 Success on Your Terms ............28 WHOSE Dream Is It.........21 …You Can Do It.....41 Goal Achievement Exercise B .... Inc....................................................................................................................36 Millionaire’s Checklist: ......................................................................................................................................................42 Goal Achievement Exercise C .........24 Overview.......................44 What Are Your Limitations?..................................................................................................................52 A Fish Story ........................................................................................47 Get Rid of It! ................................................53 Can You Dunk?................................23 Lifemoney Lesson # 1: Defining Success..........................................................................................................................................38 Sometimes It’s Better to Strike Out .......................................................................................15 This Was Only the Beginning .........................................................................................................27 Find the “U” in “SUCCESS” ............................................................................................51 Make Less ........................................ ....................48 Buy Stock in Yourself ........................................................................................................................................................ Inc..................
.....................83 Goal Achievement Exercise K........................................................................................ 118 vi ......................................................................................................................... 116 MacGyver It!......................................................................................................................................88 Goal Achievement Exercise L ........................... 105 Maintaining Your Course .......................................79 Lifemoney Lesson # 4: Gathering the Tools for Success........................................................81 Tool #1: Focus .....................................................79 Millionaire’s Checklist: ....................61 Goal Achievement Exercise F .............60 Start by Writing a Goal............What If You’re Way Off Track?...........................81 Overview.... 100 Lifemoney Lesson # 5: Evaluating Your Progress .................................................. 110 Goal Achievement Exercise N.......................................................66 Goal Achievement Exercise I ............ 101 Progress Report ................................................................................................................................................................................................ 115 Lifemoney Lesson # 6: Resourcefulness...........................................................................................................................................................................................61 Establishing Action Steps ................ 107 O................................................................................................... 116 Can’t Get a Job? Buy the Company! ..................................................................... 114 Millionaire’s Checklist: .......57 Millionaire’s Checklist: .................................................................................................................................................................................95 Gathering the Tools for Success Summary........................................................................101 Overview.................................59 Overview...................................................................................................................................................................81 A Successful Person’s Tool Belt ........................................59 A Quick Review ...............................................................................................................................................63 Goal Achievement Exercise G......72 Goal-Setting and Overcoming Obstacles Summary........................71 Three Huge Obstacles........................................................................................................................64 Goal Achievement Exercise H..........................................................................................................................................................................................................................................K…..............116 Overview...................................................................................................................................................................................................................................................................................................................................................................................................................................................92 Tool #5: Do or Die Trying Commitment................67 Nothing Can Stop Me Now…................................59 Step Up ....................84 Tool #2: Time Management ...................................................................................................................................................................................... 111 Evaluating Your Progress Summary .......................................65 Write It Down .............................................................................................................................................................................................................................................................................................................70 Goal: To pilot my own airplane .................................................. 101 Don’t forget the map! .........................................................................................................................................................63 Timelines ............98 Millionaire’s Checklist: ......................... 103 Goal Achievement Exercise M ...........Knowing Yourself Summary ....................89 Tool #4: Priorities.............................................................................85 Tool #3: Efficiency ......................................................................................69 Goal Achievement Exercise J ..................................................................................................................................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles.........................................................
............................................................................. 194 Millionaire’s Checklist: ... 184 Goal Achievement Exercise W ........................................................166 Overview......................................................................................................................................................... See It...................... 137 Five Creativity Factors ............................................... 182 Borrow..........................................................................................................................................................................................................149 Overview..... 171 Goal Achievement Exercise U................ 165 Lifemoney Lesson # 9: Positively Thinking .....................................................................................................133 Overview.......................................................................................................................................................... 170 Don’t Complain ....................... 177 Goal Achievement Exercise V..................... 147 Lifemoney Lesson # 8: 12 Steps for Power with People................... 181 Lifemoney Lesson # 10: Sacrifice .................................................................................................................................................................................................. 167 Change the Mental Channel....................................................... 149 Sharpen Your People Skills .......... 185 Goal Achievement Exercise X................................... 166 Where’s Your Head At? ............... 175 Eliminate Negative Self-Talk..................................................................................... 125 Goal Achievement Exercise O......................................................................................... 132 Lifemoney Lesson # 7: Creativity ............................................................................................ 128 Goal Achievement Exercise P .................................. 149 Goal Achievement Exercise S ............................................................................................................. 176 Create a Repeatable Success Thought ............................... 135 Goal Achievement Exercise R ............................................................Best Case................ 135 Dream It.................................................................................................................................................................................................................................... 137 Millionaire’s Checklist: ...... 195 vii ................................................................. 152 12 Steps for Power with People Summary .................. 169 Goal Achievement Exercise T ........................................................................................................................................ 166 The Multi-Millionaire Blues ............................................................................................................................................................................................................................................................................................ Go into Debt and Max Out Your Credit Cards .............. 130 Resourcefulness Summary....................................................................................................................... 189 Sacrifice Summary ... 174 Worst Case ............................................................................................................................ 127 Find An Expert .................................................................................................... 178 Positively Thinking Summary ....................................................182 Overview..................................................................................................................... 183 Sacrificing for Success ............................................................... 133 A Lesson From Trump ........ 173 The Key to Success? Live Out Of Your Car............................................................................................................................................................................................................... 179 Millionaire’s Checklist: ............................................................Fix It ................................ 133 Goal Achievement Exercise Q............... 131 Millionaire’s Checklist: ...............................................You’ll Find It ........................................................................................................................................................ 164 Millionaire’s Checklist: .............................................................................................................................................................................................. 151 Turk’s 12-Step Plan for Bridge Building....Keep Looking ............................................................... 175 Keep It Moving ......................... Do It! .... 122 There’s No Need To Grow Up.......................
........................................ 207 Millionaire’s Checklist: ................................................................................................................ 208 viii ............................. 206 Patience and Enjoying the Journey Summary................................................................................. 196 Mañana ................................................................................................................................................................................................................................................................................................................. 202 GOAL (Go Out And Live).................................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey ..................................................................................................................................................... 196 Doing Time .............. 202 Seek Happiness in Simplicity .....196 Overview................................................................................................ 201 Goal Achievement Exercise Y.......................................................................................... 200 Enjoy the Journey......... 198 So what should you do to be more patient? ........ 204 Goal Achievement Exercise Z ............................................................................................................... 201 The 5 Year Test ...............................
” -George Foreman Life comes first.Introduction: Millionaire by 30. not money. it’s at what income. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first. Money is simply a tool to help you get what you want out of life. Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire. Lifemoney will show you what you really need to live the life you want. new entrepreneurs perfectly – but can be adopted at any age. Lifemoney will help you understand what success really means and teach you how to attain it. 1 . But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how.
In this book. Part self-help. part how-to. Would you use your shoe? Would it work? Possibly. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. For example. a new home. 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.One of the most unique features of Lifemoney is that it’s entirely personal. Imagine having the task of hammering a nail. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. 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. a new job or just a raise or promotion in your current job. it’s not the dollar figure I define as Lifemoney that’s important. It could be $240 a week or $240. it’s the dollar figure you define. it’s not the job that I feel is prestigious that matters. it’s the job that makes you happy on a daily basis or brings you closer to your goals. be it a million dollars. If it’s career happiness you’re looking for. part financial management. if it’s money that you’re after. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 .000 in quarterly bonuses.000 a year or $2.400.
But more importantly. If you learn these lessons – and actually follow them – you can and will succeed. used them for my own personal success. etc. It offers a set of tools.).My Lifemoney WANT. The exercises in the book 3 . Lifemoney will give you a blueprint for success in all facets of life. This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life. My definition of success is simple: Accomplishing what you set out to do. 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. My schedule and time belong to me and I do what I want with my days. not just financial. some executives. I have distilled those attributes. I have been fortunate enough to learn that most successful people share a lot of the same attributes. So who is Brad Turk and why am I qualified to write a book about life or money. and want to share them with you. This book will show you what those characteristics are. there are common qualities. let alone both? I was a millionaire before the age of 30 and retired soon after. Whether you are looking to be the next pop star or the perfect housewife. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied .most of whom happen to be multimillionaires. Through my interactions with many successful and famous people (some recording artists. Instead of concentrating solely on the financial aspects of making your first million. I am living the life that I want to live.
In this book. see what works for you and. 4 . 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. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. as a result be able to adopt them to fit your needs to reach your goals and attain the success you’ve always been looking for. While reading Lifemoney you will become familiar with these attributes. you’ll find ways of: • • • • • Understanding what success means to YOU Matching what you want with your abilities Learning to go after goals by setting specific tasks with timelines Learning how to focus.
Sprinkled throughout the lessons are A-Z Goal Achievement Exercises that ask you to reflect on how to apply what you just read to your own life.com. These proven tools are specifically designed to help you plot.bradturk. 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. The higher your score – the higher your Lifemoney skill level. Feel free to use mine – memorize a few of them and repeat them to yourself when you feel like you’re not making progress – or add some of your own. Everyone needs some kind of stimulation and/or support to keep their spirits alive. Clearly. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it.bradturk. 5 . What’s the answer? Lifemoney. there is more to life than money but you just can’t live in this world without money. Repeat these affirmations to yourself when you need a quick boost. This checklist will help you quickly see if you are developing the skills that were discussed in that lesson. list and track your progress.com (Code: naNtZB).My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement. I have created a list (that I use) of affirmations that you can also download for FREE at www. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success.
Lifemoney My Lifemoney “It’s never too early…to make your first million. business owner and entrepreneur. Through experiences as diverse as being a break dancer. Over the course of my very short professional life I’ve achieved the American dream: I’m young. If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. actor. rich and retired. I’ve found the American dream and retired early. salesman. I achieved personal and financial success through various ventures in the telecommunications industry.” -Brad Turk Overview I want to take just a few pages to introduce myself. entertainment field and having a 6 . tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself.
Consider these lessons to be the fishing rod. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. I did not strike it rich in the dot. But if you look carefully at the histories of most success stories you’ll find a lot of similarities.My Lifemoney retail tanning salon. 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 am going to share just a little bit of my personal history first because I know myself that to trust someone I need to know a bit more about their background – what has formed them into the person they have become. I 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. That’s what Lifemoney is all about. It’s not that hard really. Instead. Not all of these successes share the exact same 7 .com arena or hit the lottery. whether it was through direct interaction with a mentor or learning from other sources. teach them how to fish and they eat for the rest of their lives. All the successful people I discuss throughout this book including Warren Buffett. boat and everything you’ll need for a life of accomplishment and success. Give someone a fish and they eat for a day. adapting the rules of success to your personal situation. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success. and if you’re willing to be my student for just a short time I can show you how. Think of the old story about giving someone a fish or teaching them how to fish. These lessons can be learned by anyone. Diddy and even myself have been “taught how to fish” at some point in their lives.
(Oh. new opportunities. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. She kept right on plugging away with her 3 jobs. In addition. I won’t be insulted. my mom and I had moved to Forest Hills.Lifemoney attributes. and she was a tremendous teacher. My Early Years I began life in the Pomonok public housing projects in Flushing. 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. By the time I was in fifth grade. Mom didn’t let it stop her. When I got to junior high. New York. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. and by the way. if you don’t care about me and want to jump right into Lifemoney Lesson #1 and see what YOU need to do to be successful. There were new surroundings. You can always come back to me later). It was a much nicer neighborhood. but they usually have a lot of similarities. I’ve learned that they’ve come to their successful place in life by either having or by acquiring the attributes I discuss in Lifemoney. new neighbors. I learned these lessons by reading books of successful people and from my peers. New York. best of all. though. I got heavily into break dancing. That’s where I first learned about work ethic. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . 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. new friends and. and no money. rapping and acting.
which listed talent agents. as you can imagine. Persistence Pays Off To make it in the acting field you need an agent. This is when I first began to learn about the value of persistence. I sent the package out to the same agents two times but didn’t get one response either time. Finding an agent to represent my efforts was. as well as how to contact them. a renowned child talent group. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. Most emphasized the boldface message “not to be called or visited. I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. dealing with people. But the first rule of success I learned was to work around your obstacles. a huge child actor of the time 9 . Frustrated by the lack of response. Actually. Since my working mom didn’t get home until late I would go alone by train. not succumb to them. In fact. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. I followed directions exactly and sent my headshot along with a resume to one hundred agents. For starters. The first agency I visited was Schuller Talent.” The do-not-call rule was strongly enforced. They represented such actors as Emanuel (Webster) Luis. I bought a reference book called The Ross Report. not easy. the only way to contact agents was to send query letters with photos and resumes. I’ve always been a hustler. To follow my dream I had to overcome several obstacles. and I began going into the city (New York) for auditions to try breaking into the business. and thinking outside the box. I decided not to sit around and wait for something to happen.My Lifemoney industry.
” the agent in charge of the group that I wanted to join. But taking the initiative. the child actor from television’s Who’s the Boss? Walking through the agency’s door I met a pleasant secretary and introduced myself. who was extremely nice and reassured me she would get my packet into the right hands. I often skipped classes. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. I returned the following week. I barely 10 . I didn’t do very well in high school. I continued my conversation with the secretary. I told her I just wanted to make sure it got into the correct person’s hands. I thought that she was listening to what was going on. I set out to get answers to my questions. Hanging out with my friends and social activities seemed more important. and signed with Schuller for representation. After thanking the secretary. From the corner of my eye I noticed a woman standing in the doorway. Not surprisingly. I turned to leave.Lifemoney and Danny Pintauro. going out near the door where the other woman had been listening. As a result. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. She followed me out and introduced herself as “Davina. and when I did show up I didn’t pay much attention. and found the success I was seeking. 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. auditioned. Looking for Motivation Unfortunately. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. Had I continued to wait for calls that never came. I might not be where I am today.
Knowing Myself In time I would become a very successful entrepreneur. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals.My Lifemoney made it through. I had a hard time getting into college. 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. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. It was a great lesson: Not all of success is flashy and easy. I learned early on that being a struggling actor was not for me. And. they explained. the odds are severely stacked against huge financial success. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. I changed my habits and learned how to be a student. If I was going to “screw up” like I did in high school. I was looking to make a lot of money and enjoy nice things. My father had resurfaced in my life to pay for college. For these reasons. I realized that my next job was staying in. Through hard work. they didn’t want to pay for it. With this pressure from my parents. The following semester I got a 3. using my acting resume. I got accepted. I applied for a double major in business and theater and. But he and my mother told me that they would only support me if I did well the first semester. The only thing to be decided was how I would get where I wanted to go.92. Although you can make a good income from acting. I earned a 3. I decided I didn’t want to end up stuck with no way out.88 grade point that term. After getting in. 11 . and was eventually inducted into the Phi Eta Sigma national honor society.
a struggling actor. For him. It was a real education. So I took a different route and it has paid off for me. When he only ordered soup. As with my junior high acting days. I still had some entertaining left in my system. the sacrifice has paid off. “It’s cheap and it fills me up. But his limited income made it clear to me that this was something I did not want to do. I wanted more of a sure thing than acting. He answered. as with acting. for lunch one day. That could have happened for me but I knew in my heart it wasn’t MY reality. I asked him if he was going to order anything else. the music industry does not often accept unsolicited 12 . I knew myself and knew movie stardom wasn’t the right route at that time. I spent the last years of high school and beginning years of college working toward that goal.Lifemoney I remember meeting a good friend of mine. I could see the moment in that restaurant as a turning point. When it came to making money. I sent out many demos to try and get people interested. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. But. But before I fully ventured into business. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. 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 bought his lunch that day. Looking back. Today he’s a successful actor who can go anywhere and order anything he wants.
I got a job as an intern (for no pay) working for PolyGram Records. I kept working toward my goal of becoming a rap artist and trying to learn the business. I entered the Pepsi Rap Up the Summer Contest. I recognized the value of this attribute and stored it away for later. a lawsuit can result. A key lesson I learned was that if you want to understand an industry. you need to work in it. If the artist believes a later recording is similar to his or her music. even when you’re going against the grain. My goal was to get noticed and possibly get someone interested in working with me. I knew 13 . In this world you have to take opportunity where it comes if it will help you achieve your goals. I also tried to learn the business side of the industry. This is exactly how you build Lifemoney. let alone were successful at it. In fact. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. Although no longer in existence they were one of the premiere labels at the time. I was chosen as a semi-finalist out of 500 entrants. Although I didn’t win the contest. It was validation that hard work could pay off. even for free. In 1991. This was pre-Eminem and not too many white people even listened to rap. Learning About Business In addition to finding some measure of success in the entertainment side of music. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. co-sponsored by 98. I sent in my tape.My Lifemoney material.7 Kiss FM in New York. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company.
It was one of my earliest stabs at being resourceful.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. volunteer for a campaign or move to DC. both the stars .” I once sent a sneaker in a box to a record label with the note. feel free to import ideas from wherever you can find them. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . But it’s all valuable. For example. picked me up and got me signed to BMG for distribution. It paid off. There are more important things than money in this world. learn it from the ground up. BMG. The access I got taught me lessons I could have never learned anywhere else. If you want to work in politics. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. if you want to someday own a bar you should work at a few for a while to learn the business. Door after door was being closed to me. 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 learn a business. “I just want to get my foot in the door. The following year I released “That’s Evil Man” on ZOO Entertainment. For example my rap name was “Sneak. my targets would be curious enough to open it rather than throwing it away.and the men and women behind the talent the producers. And always be resourceful.” along with my demo tape. You might find it’s not what you expected it to be. I figured if I sent a package. It’s important to understand what you are getting into before you are knee deep. mixers. It worked. and access is one of them. Basement Records.the talent . no one was listening to my demos and I knew to get to the powers that be I would have to get through to someone. a recording label. agents and managers.
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. 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. But like 15 . In 1994. While I enjoyed working in the music industry. It is a difficult business to really make money. It didn’t stop there. 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. PolyGram Records. But the truth is making money is hit or miss and is more often just smoke and mirrors. It was an exciting time. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. I was finally seeing a dream come true. The music business seems glamorous.” Next Plateau. actualizing my goals and watching them come to life. You see – I already understood that making money was a priority for me – an important goal. I decided since making money was a priority that it would be easier to make money in another industry and that I could always return to the music world later. I 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. which I did. for more reasons than just getting airplay. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences. full of rich stars and power players. Eventually it went to number 27. but in reality there are very few people that make it big – and make the big money. Money provides those things. That’s a hard truth to see from the outside.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet.
I did not have a wife or family. I could make even more money. 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. the branch focused on selling long-term care and retirement planning. I understood the insurance office management job completely. I saw that real estate was more suited to my personal goals at the time. I did not find that product to be a perfect fit for me or my personality. Unfortunately. 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. and could not fully understand or relate to getting life insurance for protection for other family members. I decided to take my hustling a step further.Lifemoney most young people I didn’t understand what was going on. but it was apparent that I was a tremendous asset. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. Also. I decided to make business decisions that would bring me closer to where I wanted to be. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. After leaving college. And guess what? I started making more money working part-time than at my day job. In addition. I figured if I spent more time on my part-time real estate job. I took over a job for a friend as an office manager for a life insurance company. I went so far as to get licensed to sell life insurance. I decided to 16 . Becoming successful. I was interested in sales. so I pursued this opportunity. For one thing. How did I do that? I started selling real estate at night. Not to sound conceited. The branch owner wanted to train me to sell life insurance.
You never know what people are willing to do – or what you can accomplish – until you try. my gamble worked! Eventually. at the same pay. But my education was just beginning. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. For example. I began to learn about the importance of defining success for myself. This would permit me to have two more days to sell real estate. making my own way and even started knowing myself and where my real talents and desires 17 . I made sure I did everything efficiently and wasted no time at all. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life. 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. 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. You never know if someone will say yes or no to a question until you ask the question. 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 also promised him that the quality of the work would not change. He reluctantly agreed on a test basis. and I went from initially working five days a week to just one day per week. I guess the company trusted me enough to give it a shot. and there was a lot more to learn.My Lifemoney leverage all that.” It was a risk to leave the security of a full-time job. When I went to my boss to resign. 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. the one you’re probably most interested in. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly.
Especially patience! It was a lot for a young person like me to absorb. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money.07. I became one of the top salespeople in the nation.Lifemoney were. and I didn’t hit it big with the lottery. I was not an overnight success story. sacrifice and patience. I used them to create many business successes. resourcefulness and creativity. That is in fact how this book got its title: I literally realized that all the triumphs and setbacks were creating skills and qualities inside me that were worth something real. Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. Inc. 18 . Global Business Solutions. I’d learned that when the big companies couldn’t supply a product. At MCI. dealing with people – especially difficult people. By my second year. It was basically a mini-version of one of the larger telecom corporations. I was already bringing in a six-figure salary and at the end of my third year there I earned $387. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. they bought it from someone else and still sold it as theirs. evaluating my progress. I started building and using this knowledge in real estate but I really kicked it into gear when I decided to take a corporate sales job at MCI Telecommunications. But I still had to learn about setting goals. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). but the skills that were created in me were worth more than cash. Rather using the attributes I list for you in this book I became successful in project after project and business after business.086. like actual cash.
I let the customers guide my business. One of these areas was in the pre-paid calling card business. When you’re always on the lookout for something new. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. the customers would want you to do everything for them. Sometimes you go searching for new opportunities and other times opportunities find you. Heat Wave Tanning. I understood that customers loved a one-stop shop. I saw what the needs were and I fulfilled them. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. remain loyal and protect them as much as possible. and to always be so reliable that I would always be the “go to” guy in the future. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. Inc. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. I eventually contracted with many providers. If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. you or the opportunity. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. it’s harder to tell which came first. lower to the ground and closer to the customer’s ear. and seeing niches before everyone else.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. allowing me to sell anything the big boys sold – and better – because I was smaller. 19 .
and Heat Wave Tanning was really a great business and a great opportunity in my life. managing ten employees. I told myself: it stretches us.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. I could manage most of it via remote control. building the place from scratch. But I felt I was ready for that. I saw a line outside of the place and was wondering what they were giving away. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. It turns out that people just were going in there to catch a tan. and might one day do again. A telecom business like GBS was more “virtual” than brick and mortar. This was a different venture from my previous forays in the world of small business. grows us. It is definitely a great business that I would highly recommend. I researched the business and found out that it was a very low maintenance business and pretty profitable. and prepares us for the future. and managing customer issues just didn’t do it for me. The tanning business though was more hands-on. Change is good. I decided to open my own tanning salon. and I decided that I didn’t want that kind of responsibility. which was a huge plus for me. That is true. maintaining equipment. But I was discovering that retail businesses require a lot of time and attention. So I kept the business for two years. Besides. After more research (and imagining that operating that type of business would be fun). 20 . It was like having a puppy at home: you never felt comfortable being far away for very long. It was exciting. made my money and then I sold it. The tanning business was a big change for me. Better yet the business seemed as if it could run itself.
It was a lot of work but it has been gratifying beyond words. Inc. I will make independent artist’s music easily available to their fans. Later I was a college graduate looking to intern for a major hip-hop record label. And I love it! Why? Because I’m sailing my own ship with no boss. But I can afford to do this because I love it. no limits and 21 . That makes me happier than I can possibly describe to you. For Self Made Records. I signed some artists to my label and I am currently marketing and promoting them.com are both my hobby and business. 2007. Now I was a successful entrepreneur. Inc. and My Music Site. I am doing what I love. set to launch in the fourth quarter.com.My Lifemoney Self Made Records. 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 have been launching companies left and right. friends and family while providing a marketing platform for them to make their dreams come true. with little to no risk and helping others all at the same time. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. looking to blend business with pleasure.com Sometimes success comes full circle. In 2007. And what’s best is that I can afford to be patient. I am sometimes surprised by all that I have accomplished in such a short time. although I brag about being retired. I am now in the process of coding and developing mymusicsite. but on my terms. Inc. Self Made Records. / MyMusicSite. in reality I’m busier than ever. 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.
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. specialty beverages. 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. In addition to being its creator. and business services. We will make independent artist’s music easily available to their fans. and snack items.mymusicsite. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future.com) and is a retail conference location /coffee shop. phone. The business is called Meeting ExpressO (www. I just launched TellBrad. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating. satellite television.com (www.com (www. friends and family. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. break dancing on street corners and hustling for business opportunities.tellbrad.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. In addition. Lastly. Meeting ExpressO will provide full access to conference rooms which include internet. I am also providing a marketing platform for these artists who want to make their dreams come true. In addition to that business. I will 22 . I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”.meetingexpresso. I am also in development on another site called MyMusicSite.com).com). Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee.
Learn who you are and what you want. Too! I began this lesson by declaring “If I can do it…” without finishing the statement.)” -Brad Turk You can do it too! 23 . And go for it! No excuses. That’s why I’ve written this book. sell it on the corner. invest your profits and. I have found the common denominator for success. Instead of sitting around thinking about what you want. I’ll tell you how you can do it too! While my story is different from yours and from that of other people. Stayed tuned and look for my name in the credits! …You Can Do It. when they mature. adapt the principles described in each of the upcoming lessons. Keep score of your successes and failures. go by some oranges! (Orange juice outsells lemonade by 10 to 1. Work on the activities. I will show you how to understand and learn a unique set of attributes you need to become successful. Lifemoney Currency “When life hands you lemons… make lemonade.My Lifemoney also receive co executive credit and be involved with development of the project. Lifemoney provides you with the tools you’ll need to reach your own unique potential. Now.
In this lesson I want to show you the importance of deciding for yourself what success means to you. is in no danger of cracking it anytime soon. two very different types of success stories. These are the stories of two friends of mine – John and Steve . My first friend. as far as I know.Lifemoney Lifemoney Lesson # 1: Defining Success “You have to arrive at your own definition of success if you ever hope to enjoy success on your own terms” -Brad Turk Overview It’s not possible to attain success without first defining it. some might consider him rich 24 . pure and simple. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. Success is never a game of chance and begins with clearly deciding what you are going to make happen. Still. John.and though totally different from one another they illustrate what I mean by defining your own success. has never cracked the seven figure mark and.
John told me that he was really happy with his life. He is truly happy with how his life turned out. John. He did it his way. he also said he was happy with his job. who is over 30 years old. It didn’t bother him what everyone was saying about him. From a professional perspective. he just took it as a joke.push your idea of success on anyone. he has a big smile on his face. has no ambition and is going nowhere. Then one day we were talking and John really opened my mind to something.Defining Success beyond compare because he knows himself and.and shouldn’t . To me. He told me he was still living with his parents because he liked living with them. He made enough money to live on his own if he wanted to. he found his own success and it works for him. While talking about the future. several sports cars and a very 25 . He told me that every night that he goes to bed. 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. knows what success means to him. All of my other friends make fun of him. he is successful. who on the surface would probably look extremely successful to outsiders looking in. he helped them out a lot and felt that his support was needed around the house. I have another friend. 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. I have to confess that I kind of agreed with them. You can’t . They think that he is not responsible. lives with his parents. Steve. just as important. He needs nothing else to fulfill his dreams. He has a beautiful boat. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different.
Steve thrives on the adrenaline of living on the edge. The weekend that he canceled our trip to the track was because he had to sell one of his cars to make his mortgage payment. Have you decided what your mark is? 26 . you have completed Lifemoney Lesson # 1. Once you define what you want and know what will make you happy. Being that I know this friend well. My definition of success comes from within. just so he can try to keep up with payments so that he does not default on anything. not from without. The truth is that Steve lives way beyond his means. Before the weekend came. He is actually so far in debt that he does not really own anything he has. I remember one weekend he invited me to go to the track with him to “play” with his cars. 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. Most everything is owned by the bank and it seems every time I talk to him. Why? Because they both hit their mark. He is always making maneuvers to try and maintain his possessions. He is always stressed and always in fear of losing something. Some people thrive in that kind of stressful environment. These men are both successes. he is in a world of hurt. He also has to work harder than anyone I know. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives.Lifemoney nice house. This is success for him. he canceled the invite because he was actually selling one of the cars. Does this sound like success to you? It might.
we all want more out of life. Like fingerprints. most people are still on their quest for success. fad to fad not really knowing what they want and drifting with the flow.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. Why do they do this? They bounce around because they’re not prepared to 27 . They buy gym memberships and never use it. With the exception of my friend John who I just mentioned. If we don’t define success for ourselves. We have no control over our path and our lives can become haphazard. What works for some doesn’t work for others and what works for me might not work for you. Although some people get lucky in attaining success. They subscribe to magazines they never read. our definition of success will be individual and unique. It becomes yours. When you define success for yourself. No matter your net worth or social standing we want to do more. you’ve taken the first step to taking your life back. They go from idea to idea. Success means different things to different people. When you define success and what it really means to YOU. get more and be more. They start up home improvement projects and don’t finish. I think this is important because I see so many people who spend their lives wandering. For the most part. Success takes personal planning and some work. trend to trend. There’s simply no future in succeeding for anyone other than you. you own it. strategy or plan they stick to in order to reach their ultimate goals. In order to chase success on your terms you need to define what success means to you and be clear about what will make you happy. most successful people (whether consciously or not) have a system. we are on a journey without a map.
you will be fully able to reap all the benefits that await you. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. They live undefined lives. and those are the only things I really care about it.” . And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now.” Plant your own personal seed for success and watch it grow. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . for you. You should live your own life and live up to your own expectations. See beyond money and its trappings. As Robert Collier. 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.Lifemoney take full action. author of Riches Within Your Reach: The Law of the Higher Potential once wrote. What is it you really want? What. Desire is the planting of your seed. “The first principle of success is desire – knowing what you want. look past that next job promotion or future company you plan to build. By starting your journey with a firm grasp of your meaning for success.
This is a man who could do anything and have anything and is content to sit home and watch a ball game. With all of Buffet’s billions he has always led a simple life. He is doing what makes him happy. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. billionaire Warren Buffet. Let’s take.Defining Success “All I want is to have people around who love me. He does not really have any extravagant items like a fancy race car. a 22-year-old student who has just received her acceptance letter into the medical school of her choice. She’s successful! 29 . but successful people have taken the time to really think about their definition of success. She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams.” It works for the second richest man in the world. She has spent her whole life making sure her grades were in order to some day get into a good medical school. yacht or even a boat.500 over 48 years ago. for example. What would make you happy? We all define success differently. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). He has lived in the same house that he purchased for $31. 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 sacrificed many nights of going out with her friends and having fun in order to spend more time studying.
upon marrying. Then there is the couple that. his self-esteem and confidence increase beyond measure. have resulted in two stable children with above-average grades and well-adjusted social skills. Each of these people has achieved success. The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. Sounds like success to me. and employee – or future CEO – because of this personal accomplishment. While his finishing time does not win any medals. agreed the wife should give up her job when the children came along to provide a stable home life for all. I call that success on their terms.Lifemoney A 39-year-old business executive runs his first marathon. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. they have not missed out on anything they’ve wanted. That man is a happier husband. While avoiding expenses like costly entertainment or expensive vacations. they have been able to stash enough away to enjoy an early retirement and see the world. along with nutritional meals and emotional support. He’s been a total success. Months of preparation and training pay off for this guy’s single-minded determination. father. Living off just the husband’s income has not been easy. 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 . Although he and his wife share a modest home.
It really isn’t what you have or who you are that makes you happy or unhappy. If your parents are pushing you to become a lawyer. what they all really want is personal happiness. As you see in this example. you can begin to set goals on the road to success. leave the world a better place. So let’s figure out how you define success. love what you do. I believe the common denominator in true success is happiness.” . While it’s a good idea to talk to your family and others who may be impacted (say.Defining Success WHOSE Dream Is It. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision.Jeff Mallett 31 . you might become bitter or resentful. That’s why it is important to understand your priorities clearly. you’ll be finding out why it is so important to Know Yourself. it is possible to be a successful lawyer without feeling like a successful person. but you don’t really want to. That’s why. 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. Lifemoney Currency “Do what you love. It is how you view your situation that makes all the difference. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. Over time. you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. 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. in Lifemoney Lesson #2.
etc. so make it handy and easy to access. Then start writing about your views on success. I am going to ask you to open this document on a regular basis throughout this book. set a timer for five minutes.com. 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. read over your ideas. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. in your opinion. and edit if necessary to make them readable and clear. skills. You can use a three-ring binder. the hallmarks of success—money. time. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. 32 . Once you have this in place. asking yourself questions like these. Explain.bradturk. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you.Lifemoney Goal Achievement Exercise A You will need to create a place to take notes and do the A-Z achievement exercises while you are going through this book. or download a copy of the Workbook with all the exercises from my website – www. but more importantly. open a document on your computer.
If you were handed everything you wanted without working for it. Completing this exercise brings up a point I think worth exploring. I know many people with little or no money. Money in itself does not equal success. Not Cash) Congratulations! You’ve taken a huge step.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. Her total take was $5.4 million. It was totally a nightmare.” 33 . now lives on Social Security and food stamps: “I wish it never happened. What does she have to show for it now? Zippo. “If I only had money.” Her hand was out. • In 1988. Says the man who. at gambling venues. after declaring bankruptcy. Welcome aboard a new life. Having come from a “no money” background. But you just did. won the New Jersey lottery twice. William “Bud” Post won $16. It’s amazing how some people perceive money as the answer to all their problems. Ask the following people. in 1985 and 1986. I’d be so happy” or “Everything in my life could be fixed with some cash.” These beliefs about money are all wrong. something of a statistical freak. We all do. Everybody had their hand out. you might find you are still unhappy. Most people just never make the move to define what they want and where they’re going. “Everybody wanted my money.2 million in the Pennsylvania lottery. they’ll tell you: • Evelyn Adams. too. She lives in a trailer and recounts that.
Here are several keys to keep in mind: 34 . not a financial figure. She shared her wealth with many charitable organizations.the fruits of someone else’s labors . It seems to be a rule of life that if you have good things handed to you . Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future. but before a decade had passed. she had filed for bankruptcy and had just $700 in the bank. and the ultimate triumph of accomplishing a mission. There is no amount of money in the world that can recreate that feeling of accomplishment. the challenge. And accomplishing your dreams – your success on your own is very important. That’s why Lifemoney is an internal feeling. it’s that amazing feeling you get after finishing a job well done. that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily. Goals are not just about achievement. and without effort are not actually participating in the creation of their own personal happiness. I know you’re probably saying “Yeaaa.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993.you miss the excitement. That is true success – at least by my definition. To enjoy success you need to earn it. 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. they’re about satisfaction. And satisfaction is more than being content. You Are in Control Success belongs to those who are clear about what it means to them.
together – because you made a conscious choice to pick up a book called Lifemoney. It may take months. Publisher’s Clearing House might stop by your house with that big check and. or it could take decades. and another. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. And remember that it’s important to enjoy this journey so keep an eye on the finish line. you willingly give your power away. until the value of moving is higher than the cost of those inevitable obstacles. When you lay blame or make excuses. The power to change is your own. Success is not a game of chance. 35 . Stop looking outside yourself or to others to explain your failures. that would be incredible. it’s also worth doing despite the odds of failure and cost of success. Others have influence over you and affect you. but your dreams are out there. Most likely it will be bumpy. Now all you have to do is take another step. sure. You are here – we are here.Defining Success 1. 3. 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. You’ve already taken the first step. Chart a course for paradise. but they do not own your ideas or lay claim to your dreams. Don’t put your trust in success just showing up. it resides in you. but don’t forget to enjoy the sites along the way. even if the voyage looks choppy. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. waiting for you to come and claim them. and that might not have been easy. Anything worth doing is worth doing well.
That’s totally normal. Lifemoney Currency “Your time is limited. Lifemoney Lesson #2. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. Let’s go there right now. Whoever you’re trying to keep up with – the Joneses. Success must happen YOUR way. trust me. If you let others define success for you. If you do it out of ego or pride or greed. It will become clearer the more you focus and keep your mind open. you’ll always regret not doing it for yourself. something WILL be missing. your old friends from school.” -Steve Jobs 36 .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. on YOUR terms for YOU to be truly happy. All right. so don’t waste it living someone else’s life. your neighbors – forget it. there will always be a nagging feeling that something is missing. Don’t feel bad at all if you’re still a little unclear about what success should mean for you. If you do it for the money. success must mean something to you if you are ever to truly achieve it.
I will define success for myself. I will always seek to lead my own life. _____ 8. I will decide for myself what occupation excites me. I am winning life’s lottery. I will look beyond money to find happiness.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. _____ 7. and then tally your score. _____ 4. Lifemoney Currency “If you live for someone else. _____ 10. I am seeking my own personal growth and happiness. _____ 9. The expectations that matter most are mine. _____ 3. _____ 5. My life is mine and I’m excited to develop it on my terms. I spend time learning what it will take to be successful in what I love. _____ 6. _____ 2. I am in control.” -Brad Turk 37 . giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I hope they enjoy it because you probably won’t.
“Defining Success. you will build on the first lesson of this book. I can never be good enough…It just comes with the territory of knowing yourself and making the most of what God has given you.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success. but it always starts with YOU.” by exploring who you were to determine who you are and clarify who you want to become. In my mind. great moves. 38 . It’s a journey that may veer off in a thousand different directions before finally coming to fruition. I expect to make great plays.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. In Lifemoney Lesson # 2.
39 . or two-time divorcee. lawyer. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. Just think how sports history might have been rewritten if the he had stuck to what he did well instead of focusing on where he could really excel. a computer whiz. but not without a period of introspection first. because he knew he had the ability to be a GREAT batter. one of baseball’s legendary home run hitters. you need to know who you are. a company executive. or a musical genius. a son or daughter.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. right? You might be a wife or husband. But all of these titles – husband. 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. He stuck with the decision. a student. He took a lot of heat for his decision because he was a GOOD pitcher. Maybe you’re carrying around a little extra baggage as a high school dropout. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. son. 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. banker – merely describe you. Before you know where you’re going. they don’t define you. a basketball pro. How many of us hover around the comfort zone of what we’re good at. unemployed worker. Who are you? Who are you? That probably depends on who you ask. This is valuable advice for many of us. But life success is a self-test. father. someone’s parent. not a popularity contest.
instead of building the future you always wanted and. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. 40 . The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. more importantly. you got sidetracked into making a living and getting by. day to day. looking back. have kids. and live happily ever after. 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. and maybe not even worth the effort after all. you can still find the path to your personal success if you’re willing to look for it. but ready to gear up for the adventure that lies ahead.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. and hopefully a little wiser. start here. Life has a way of sidetracking us from our goals to deal with day to day living. the goals appear too distant to reach anymore. Whoever you are. But now. let me help you rediscover that person again. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. Maybe he or she is a little older. when you take a moment to catch your breath and see where you are. knew you were capable of attaining. whatever you’ve done. If you are just starting off on your voyage to success and don’t know where to begin. Then. Instead. you find that those dreams never materialized. Or maybe you were hoping to get married. wherever you’ve been.
This nice. In his case. Lifemoney Currency “I’m starting to judge success by the time I have for myself. If you don’t know what will make you happy. His patients and his workers loved him and he was loaded. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. or someone else was going to wind up dead!) He drove straight to his accountant’s office. the time I spend with family and friends. literally.” -Brendan Fraser 41 . (Either that. normally peaceful man now felt like hunting the driver down and ripping his head off! Then it hit him: keeping up with the Joneses was killing him. but he was slowly driving himself insane. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. less really was more. Why? Because he was finally keeping up with himself. they’re shifting. successful. What is success if you don’t know who you are inside. not the Joneses. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. and over the next year phased out four of his five clinics. restructured his organization. or maybe just busy work. My priorities aren’t amending. It is not. how can you ever hope to achieve. He was a very successful physician with five private sports clinics.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. Twelve months later he was happier than ever.
” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. certificates. or personal achievements. recognition. In looking back on your past. and/or specific steps you took while completing these accomplishments.” In order to achieve this accomplishment you: • • • • Made a thorough search of opportunities Researched the companies I wanted to work with Matched my skills to company needs Prepared for the interview 42 . Even if you didn’t consciously use these qualities back then. these might include honors. For example. • • • • • “I earned a college degree. list your personality or character strengths. Under each. “I made a wise career move by getting a better job. Make a list of your top four or five achievements. reflect on the things that worked in your favor.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. define a recent accomplishment by personal attributes: 1. now you can see how you managed to win that particular prize.
” In this case As you look over your list what characteristics come up over and over? Those are your strengths. 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. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future.” “thorough.” and “selective” came up in one form or another with each of the three achievements. Some people excel at social endeavors like arranging parties or special events. Look for patterns forming. like sports competitions. You’ll begin to see how that person might emerge in the next stage of life. you will get a better idea of who you really are down deep. you: • • • • • Dated selectively Looked in the right places Studied my partner’s character before getting serious Worked on my weaknesses Got pre-marital counseling “I found an amazing partner and have a stable marriage. some may be more physically oriented. and so on. 43 .Knowing Yourself 3. What might that say about you? Using this exercise to get a sense of your approach to important life goals will help you understand where your strengths lie and what makes you happy. like academic work. while others could relate more to mental functions. You may even recognize the type of goals that attract you.
but in the renewal of spirit. Write down the characteristics that you’ve often heard people mention to or about you. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. And maybe your list reveals a part of you that loves physical activities and accomplishments. Aiming your thinking correctly requires more Workbook exercises at the start. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. Or you may be the employee that handles confidential matters at your company because the boss trusts you most. you are on your way to getting there.Lifemoney The world is full of born-again success stories. enthusiasm. not in a religious way. You could be someone who inspires others when they go through hard times. passion and effort. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages. If you do. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors.” Maybe you’ll get back that desire you once had to open a gym or start a summer camp or start taking at-risk youth groups on cross-country hikes. You’ve just done an assessment of the qualities you see in yourself and that you find positive. which shows up in words like “endurance” and “commitment” and “perseverance. Maybe your mom has always said you are hard working. That means laying the mental framework now for the physical action you will be taking later. Your list could look something like this: 44 . I would like you to make a list of the qualities others have noticed in you. So take this time to remember or remind yourself of what you want out of life.
This makes it that much easier to achieve your goals. Now you have an even better idea of how to play to your strengths as you set up goals for the future. Regardless of how you look at it. You need to keep this in mind as you plan your goals and how you will reach them. but I don’t think you can do well unless you’re having fun. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. It’s our job. you’ll probably find that you are drawn to things you think are fun. Lifemoney Currency “You gotta have fun. Things that are fun for us are those that match with the ability to use these character traits.Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. Since most of us do a better job with activities we enjoy.” -Derek Jeter 45 . It’s business. we’re playing a game.
You put things off. I got the materials (or information) late. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good.Lifemoney What Are Your Limitations? Let’s be honest. You do. you can get into some real trouble. It’s part of being human. But all the while. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. My mom’s cat died and I had to bury it. The machinery isn’t working right. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . I have a saying: denial does not change reality. right? I do. As soon as you say. Maybe you have a lazy streak (sometimes I do). you will never be able to deal with the issues that are holding you back from success.” you’re finished. But if you don’t admit to those limitations. Everyone has flaws! But successful people understand the value of admitting to a weakness. working around it or improving it. I didn’t know what I was supposed to do. “I don’t have any major flaws. and then do a half-hearted job when you get around to them. Everyone has weaknesses. and moving on. As long as you keep fooling yourself.
you can have the best intentions in the world when interviewing for a new job. For instance. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. These could include personality drawbacks. like shyness or arrogance.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. Now write down a few of your weak areas. even deciding how to invest the extra money you’ll be making. You also can add things about your character that could benefit from improvement. Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait. like being able to say “no” when you don’t want to do something. 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. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. or not taking shortcuts on a project. But if you’re late to the interview. what good is all that positive self-talk? 47 .
the bucks start passing you by Get Rid of It! If procrastination and chronic lateness are a symptom that both you and others recognize in yourself. And action means work. Of course. Always assume personal accountability. don’t write it off as a cute character flaw. Take stock of their weaknesses and work hard to improve them 2. 48 . for their inactions. They did what it took to climb the mountain of their success. But remember that people like Donald Trump. for their strengths 3. they blame themselves 4. is useless if you don’t act upon it. they blame themselves 5. Derek Jeter. and their efforts paid off. and Russell Simmons didn’t earn their millions by making excuses. You may want to start working on these weaknesses one at a time until you start seeing better results. Bill Gates. for their failures. they blame themselves In other words. Don’t blame the product for being inferior. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. for their actions. that’s just me being me. the minute you start passing the buck. it’s easy to throw in yet another excuse about finding the time to make these changes. Don’t blame the economy for low profits. Knowledge.” Instead. for their weaknesses. There are so many things you can do. Don’t blame the weather for being late. so take action.Lifemoney Successful people don’t write off damaging personal traits as “oh well. get rid of it. especially self knowledge. they: 1. for their triumphs. Eat breakfast on the way and tie your tie in the parking lot.
49 .” but it didn’t work. then do the work it takes to eliminate weaknesses and build on your strengths. They decided to view “failures” as information sources for building new things. Or then again you might end up on the exact same path your grandfather took a century ago. then choose something that includes some type of numbers work like accounting or investments. Maybe you’ve already tried success “your way.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. Using mistakes as useful information is the way many large companies are innovating. They treat everything they try as an experiment. they viewed the results as useful information. For example. If you’re good with numbers. Or it didn’t last. So rather than dubbing the whole project a failure. What matters is that you freely explore any path you wish until you find the one you are destined to travel. Maybe you’ll take a route that no one in your family or neighborhood has tried before. 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. if you like words and books choose a different road to your success such as writing or communications. On the other hand. Though it was a full blown failure.com. Many people have failed at that. you can find a path—or blaze a trail—that will lead to your personal happiness. Then be fearless about taking it. Another example was a short lived photo search engine called Riya. Whatever your interests and skills. one of the most successful photo search engines on the web. the lessons learned provided the originators with priceless information which allowed them to create Like. But within weeks they discovered that their great inventions were totally useless. Google created an early version of Google toolbar with all kinds of great features.
Disney founded a $20-billion media conglomerate that includes a TV network.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. It’s easy 50 . a publishing house. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. and Japan. Many successes start right where you are: not knowing themselves very well and beyond broke. Twenty-six times. Theme parks with the Disney name are located in the U.. I’ve been trusted to take the game’s winning shot and missed. a film studio. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories.S. “It all started with a mouse. I’ve lost almost 300 games.” Just think of that for a second. an Internet operation. Morgan was to finance. and a worldwide store chain. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. and they don’t let lack of money or support stop them. Consider one the top 50 business influencers of the 20th century. I’ve failed over and over and over again in my life. Disney was to fantasy what J. As Walt himself recalls. France.” -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. And that is why I succeed. Starting with a little mouse. Walter Elias Disney. But they know enough about themselves to know what makes them passionate and hungry.P.
but what if it’s never been done before? That’s the dilemma Walt faced. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about. failure and distraction along the way. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. Walt Disney held firm to what he knew. Two.Knowing Yourself to imagine success when it’s already been done before. Under each thought you write. landing your dream job. never let the world tell you that you can’t do something just because it’s never been done before. Through rejection and derision. list the qualities that you think you would need to achieve them. One. it will help you understand if you are looking for success in the wrong places by objectively 51 . as well as any new talents you may choose to develop along the way. Remind yourself of the unique skills you bring to the process. So let me ask you again. Goal Achievement Exercise E Take out your Workbook. 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. finding a life partner. This is done for two reasons. But more importantly. such as getting in great physical shape. Stay centered on who you are and the goals you want to achieve. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish. or building financial security. Now. He stuck to his singular vision of himself and is now revered as nothing short of a genius. never tell yourself that you can’t do something because it’s never been done before. The reason for this exercise is to begin the process matching your abilities to some of the things you want.
For example. Make Less . screaming fans. Knowing Yourself. making a million dollars doesn’t necessarily mean you will be happy. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. What remains important is that you feel successful at every step of 52 .Lifemoney highlighting what’s required for success. In other words. Why? Turns out he had Lifemoney Lesson # 2. be careful what you wish for. As an example. knowing yourself and being true to yourself makes you successful. you must understand why you feel a million dollars will equate to happiness. Understand that fortune and fame doesn’t equate to success. Know yourself and double check your motivations for success. down cold. 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. because he knew he couldn’t be happy doing anything else. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. it might not be what you expected. if you want to make a million dollars.Find More As you learned in Lifemoney Lesson #1. adoring women. the Hollywood Dream – and he left it all behind to risk his life and fight fires. and comparing those qualities with what you deeply desire to develop within yourself. because when you get it. Here was a guy who seemingly had it all – loads of money.
and that to skip the rest stops. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii. While waiting for the fish to bite. Ask yourself this: What happens until then? Truly successful people make peace with. the two men took the boat out on the seas. he asked the locals if there was a fishing boat that went out daily. Although success is a worthwhile goal. the executive was impressed with Fisherman Joe’s skill and 53 . While there. The next day. detours. Fisherman Joe told the executive that it would be a pleasure. today. like “I’ll be happy when I make my first million. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide. but that he only went out to fish a few hours each day. obstacles and roadside attractions along the way is taking away from true success. and enjoy. and that most of his day was spent with his wife and children. not a destination. where they are right now. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water..Knowing Yourself the process. They recognize that success is a journey.” you’re in the conditional happiness trap. The businessman had no problem going out for just a few hours while his own wife visited the spa. The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege. So many of us set conditions for our happiness. or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership. progress at any price should be more than most of us are willing to pay. See how that works? If you say “I’ll be happy when….
“and take home what’s leftover for dinner.Lifemoney ability to find the best spots to reel in a terrific catch for the day. But Joe was now worn out. “How would you like to go into business with me. teaching other guys how to fish?” He went on to explain that he would put all the capital up front to get the business going if Fisherman Joe would add his expertise.A. Soon business was booming. truly amazed. and remove himself from the enjoyable part of his business—fishing—he did it anyway. and then working a fleet. would aid his partner’s goal of taking their company public. Finally. Joe knew that being in L. The two men moved the business headquarters to Los Angeles. “How do you get so many in so short a time?” the businessman asked. Although Joe was reluctant to leave his comfortable home and family while working in L. and did not really enjoy what he was doing. as though he was unaware of the value of his skills. had no problem and 54 . who had reached his goals. asking if he could cash out his shares and return to Hawaii. He spoke to his partner. Joe shrugged.” Joe replied. After five grueling years. “After so many years. Working day and night was more than he had expected. “I sell most of ‘em. they finally went public. The prosperous businessman. The business life was not satisfying. After a slight hesitation. Fisherman Joe went from working full-time on his boat to getting three boats. Joe decided he could not take this life anymore. Joe agreed. I know their habits. Just a couple of hours a day supplies all my needs.A.” The shrewd executive knew a good thing when he saw it.” “What do you do with them all?” the business man asked. for the man seemed unusually humble.
He already knew what success looked like to him. “Yes. Before Joe left. and many might have found it fulfilling. the entire experience had been a detour from Joe’s own sense of success.” Joe replied thoughtfully. so I can fish a few hours a day. 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. his journey brought him right back to square one. In the end. The interviewer was amazed by Joe’s journey and the story behind his success.” the interviewer commented. It’s that you should know what you want out of life. and then I am going to spend the rest of my time with my family. a popular magazine interviewed him. Two very different men viewed the exact same experience in two very different ways.A.Knowing Yourself wished Fisherman Joe well. “I’ll get a small fishing boat. “From fishing a few hours a day to a multi millionaire.. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. This journey was quite productive. But Joe found it a waste of five good years of his life. that’s quite a journey. and he ended up doing exactly the same thing. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. but he ventured away from it for more money. it is. Both of them found success in completely opposite directions! 55 . what are you going to do?” Joe replied that.” The moral of the story isn’t that we should not try hard or set high goals.
Assessment testing can also help find your natural strengths. just understand the obstacles that you are going to face. who not only played professionally. and if you work in a field that doesn’t match your natural abilities. Sometimes it will take that much more work. But he is the exception to the rule. No one knows better than you where you feel confident versus where you feel unsure of yourself. time. take an aptitude test. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. Certain occupations will be a better fit for you than others. They can measure your characteristics and ability to acquire additional skills. being true to yourself and finding your happiness makes you successful. If you don’t know where your talents lie or still don’t know what you feel you would be good at. unchallenging and even difficult. -Brad Turk 56 . The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. Do you have that drive? If so. and effort to reach something that is much harder to attain. Is that a realistic goal for you? It was for Spud Webb. These assessments are available all over the internet or by looking in the Yellow Pages. Lifemoney Currency Understand that fortune and fame don’t equate to success. A local community college may also offer these assessments free of charge. you may find your work unrewarding. Aptitude tests can provide some insight into your talents and abilities. go for it.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at.
Knowing Yourself Summary
We focused this lesson on discovering who you are and who you want to become. Answering these questions lays the groundwork for success. If the groundwork isn’t solid, the whole house will crumble. Remember that anything you set your mind to, you can achieve. The only limitations you have to achieving your goals are the ones you set for yourself. Use your understanding of your strengths and weaknesses to achieve your goals and you will achieve excellence. The best part is that when you know who you are, you’ll achieve it on your own terms.
“There is no discrimination against excellence.” -Oprah Winfrey
Check all the items below that you agree with, and then tally your score, giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 2. _____ 3. _____ 4. _____ 5. _____ 6. _____ 7. _____ 8. _____ 9. _____ 10. I will discover what truly makes me happy. I have given serious thought to the roles I’ve played throughout life so far. I can remember specific goals for my life when I was young and idealistic. I have reclaimed those goals or revised them to fit my future plans. I have thought about the skills that others see in me. I have matched up my goals with my abilities. I have reflected on past achievements as a way of planning future success. I have identified specific weaknesses or flaws that need to be addressed. I am ready to take responsibility for my weaknesses and start changing. I will not let life’s distractions sidetrack me from reaching my goals.
“View mistakes as missed takes - take mistakes and learn their relevance.” -Brad Turk
Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles
“You should set goals beyond your reach so you always have something to live for.” -Ted Turner Overview
Every journey needs a beginning. Planning, road maps, and packing are what prepare us for the trip that lies ahead. Although you are probably excited to hit the gas pedal and get rolling, overlooking these planning stages could set you on the wrong course. This Lifemoney Lesson prepares your navigation system of goals, action steps, and timelines and will give you the knowledge to handle the inevitable obstacles that will come your way.
A Quick Review
Let’s quickly review. In Lifemoney Lesson # 1: Defining Success you took the first step in your quest for success by understanding what success means to you and
Lifemoney forming an idea of the type of accomplishments that will make you happy. Lifemoney Lesson # 2: Know Yourself helped you learn more about your true wants and needs, and made you aware of what personality traits you will need to get you there. Now, in Lifemoney Lesson # 3, you’re ready for the next step on the path to selffulfillment: Goal-setting. This lesson will guide you through the process of creating some goals, developing an action plan behind your goals and deciding what you need to do in order to achieve your dreams in a timely manner. Let me start with a great story that illustrates two people with goals. One person has a goal with a plan and the other person is totally unscripted.
Six-time Grammy award winning rap star Kanye West knows a little about setting goals and overcoming challenges. Kanye wanted to be a successful rapper, but was known in the industry as a producer. His label, Roc-A-Fella Records was initially reluctant to support West as a rapper, because they saw him as a producer first and foremost. Nobody thought he had much star power. Companies felt he was not as marketable as rappers that portray the ‘street image’ that is prominent in hip-hop. But even with the Roc-A-Fella record deal Kanye West was not going to wait for anyone to take notice of his rhyming talents. If Kanye had not believed in himself, stepped up and remained persistent in reaching his goal – his definition of success - he might just be another producer on the Roca-A-Fella roster. But Kanye West had a goal, and it wasn’t to be a producer. So on his own initiative he planned, paid for, and filmed his first video for “Through the Wire,” which catapulted him into superstardom. It appeared that if Kanye had not done this on his own
or the opinions of others . Every successful person I know has clear goals they’re reaching for. His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. That’s because he had more daydreams than plans. And they don’t allow $2 tokens . Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal. would make you a happier person.Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become.to side track their journey. For two full days this artist could not come up with the resources for even a $2 token to get there. It is the first step of turning the thought of doing something into the reality of achieving something. obstacles became simply inconveniences to be overcome. Kanye West vs. 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. 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). Now let me tell you about another hip-hop artist you’ll probably never hear about. Nobody. For this exercise. Mr. when accomplished. make a list of your top 3 goals that. Goal Achievement Exercise F Take out your Workbook. It’s time to write some goals right now. For instance: • Goal: Starting up a home-based travel agency 61 . Once they decide on that goal.
stronger. 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. listen to the radio. Just watch television. Those people are not smarter. they simply learned these lessons a little sooner and applied them a little earlier. that’s natural.even thousands of people who have applied action and planning to make their dreams real. or read a book and you’ll see hundreds . They happen every day. The problem with dreams is that we’ve dreamt them for so long. get started! 62 . it’s often hard to see them as real. Now is your time. Dreams are real and they do come true if you follow this path. Relax.
Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. An action plan is just a series of steps you plan out ahead of time to take systematic action. We all know that goals just don’t happen. What bridges that gap? Action steps. Research classes that offer test preparation for agent exam ii.) iii. Prepare for exam iv. Clear space for new furniture 63 . Schedule exam • Build out basement to accommodate office i. break the list down into three or four action steps you would need to take in order to reach that objective. 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. Find out construction costs for renovation ii. Understand the testing process (where given. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. Order a separate phone line from the telephone company iv. Let’s set up an action plan for your goals right now. etc. Start looking into office furniture and equipment iii. 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. Goal Achievement Exercise G Take out your Workbook. timeframes.
Let’s say you want to own your house debt free within ten years. So not only do they spend a lot of time managing their time. Sure. but without a schedule to start with you’ll never know if you’re slipping. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. Figure out a budget of what the business will cost ii. but they also add urgency to their goals by making themselves accountable to deadlines. Start putting away money weekly toward travel agency iv. Now you’ve written goals and some action steps that lead to the goals. Successful people know that there are few assets as valuable as time. 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 . Establishing a timeline for meeting a goal also helps you realize if it’s reasonable.Lifemoney • Raise and save enough money for expenses and salary cushion i. objectives and action steps. deadlines slip sometimes and you have to readjust your schedule. Figure out what amounts of money will be needed to live off of while building the business iii.
rushing into it is more dangerous than not starting it at all. and then they set times and dates when things will be completed. Go back to the list of goals. but for the most part. and action steps. objectives and action steps. Successful people set goals and objectives. You must schedule your goals.Overcoming Obstacles realize that this goal does not have a reasonable timeline. Unfortunately. you should set reasonable deadlines and do everything you can to meet them. The goal is still reasonable. they are guides. they identify action steps. Goal Achievement Exercise H Take out your Workbook. Timelines do not mean deadlines. If you need a year. As a result. Schedule changes or circumstances may require adjusting a date now and then. You’ll need to adjust. Beside each of the objectives and action steps. and that gets your heart rate back within normal ranges and allows you to actually sleep at night. For instance if you want to start your own bakery. This is an easy step to take. but the timeline isn’t given the circumstances. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. give yourself a year. many people leave this step out and things just never get done. objectives. jot down a date for reaching them. not written in stone. 65 . With a large goal like opening a new business. many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. Let’s actually do it now. give yourself six months. but it’s also easy not to take. be VERY realistic about your timeline.
Like most successful people. most talented and gifted people I know. His solution was to write everything down. you might have to adjust your action steps or your due-dates to make them more reasonable. “I’m waiting for you to write that last item down. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. he knew how to compensate for his flaw and it practically never affected his work or his success. Write It Down Words are priceless. 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). He probably had the one of the worst memories I have ever seen.” 66 . 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. I learned early on a major flaw that he had that amazed me. I actually had a business partner who is one of the smartest. I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. I told him. Never underestimate the influence of actually seeing your goals written out and in front of you every day. About 30 seconds of silence went by and he asked me why I became quiet.Lifemoney If you keep on falling behind and have to reset your dates. After he said he was going to take care of one of the items that I did not want to do. I stopped and paused.
you may need to break down the week by hours to make sure you are managing your time properly at first. and visualized steps. For goal setting you will need to prioritize tasks. and plan specific.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. Here are a few tips for using your daily “To Do” list: 1. Every day you should be aware of all your goals and the steps needed to attain them. even if unpleasant. annoying. realistic. reserve a block of time to do what needs to get done. Do the important. You may not get everything you had planned done in a given day. Keep it in the notebook you have been using or in a calendar program that you can keep handy. “To do” list which you will reference daily. Depending on how organized you are. You should get the boring. and anxiety producing things out of the way when you have more time. over time. 67 . measurable. but you will make progress and. Set aside some time each morning to review your list and begin working on the listed tasks.” -Les Brown Goal Achievement Exercise I Make a daily written. set deadlines. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. committed. moving you closer to achieving your goal. tasks first. you may be able to do more things in a day.
-Brad Turk 68 . For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. but it works. Obviously. Carry a pocket-sized list with you at all times. So if you need post its. Learn how to use technology. and I am happy with it. It’s just something I want to get around to doing more often. Computer programs and electronic organizers can save you a lot of time over manual lists. I know I could come up with a more efficient method. use them! Lifemoney Currency It’s true – if you fail to plan. your PDA or phone alarm as a reminder. 4.Lifemoney 2. Although I suggest technology. but it is not really a priority that I want highlighted on my daily to do list. I don’t recommend this method. It is not in the way. 3. With computer programs and organizers you can adjust lists quickly and neatly. but it is visible and reminds me daily to get out and play. We need to take luck out of the equation. even I know it is kind of strange – but it works for me. do what works for you. you plan to fail. I do this. I have a main list at home and a daily list that I take with me. 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. I will do things like leaving a basketball by my front door. I want to start playing more basketball.
The MCI philosophy was “we’re selling on value.” Unfortunately. But MCI was not concerned with this. 69 . because it mostly affected the smaller customers. They step up and success is their reward. taking market share away from MCI and AT&T. it is extremely difficult to sell value at two times the cost for the same product.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. Adversity and obstacles will come up along the way whenever you start setting goals. Whatever obstacles have been preventing you from starting your journey. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face. not stumbling blocks in their path. with fewer expenses. Successful people use their Lifemoney skills to look at obstacles as opportunities. I found that MCI was one of the highest-priced long distance service providers on the market at that time. now is the time to knock them down forever. and you must be mentally prepared to deal with them. Mental and physical preparation is essential to finishing any journey. These companies were offering rates that were about half the price of what we sold. newer provider. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. My problem was that I was the one handling those smaller customers. There were a lot of smaller companies. Most of their larger customers simply wouldn’t take a chance with a smaller. not price.
but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. I had to overcome this obstacle so that I would not be in jeopardy of losing my job.Lifemoney I quickly scrambled to find a solution. The turnover rate for my position that year was 95%. This was the beginning of a booming market. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . Describe one of your main goals in a sentence or two. Then come up with the solution/objective and an action plan. I started looking for other products to sell even though long distance was supposed to be our main focus. 95 left or got fired. Be honest and write every obstacle and fear you can think of. list possible or proven obstacles or fears that may be keeping you from reaching your goal. With firm goals and objectives in mind from Exercise F. let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. I was fortunate enough to look where others were not and I weathered the storm by linking to a product that was starting to turn hot: prepaid phone cards. Lifemoney Currency “If you don’t like what’s on TV. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. Below that. That meant that for every 100 reps starting at MCI. Luckily.
save money for classes. but they are action heroes. clear. Objective: Find out about buying a used plane Action plan: Find out about bank loans. People just like you and I. These obstacles come in all sizes. etc. they add action to their goals and steps and turn dreams into reality. and colors for different people. Objective: Research planes and prices Action Plan: Go online and research planes. etc. Objective: Take Flying Lessons Action Plan: Research Classes. etc. So how do they do it? They are not superhuman. 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. and manageable. • I can’t afford a plane. start a savings account with regular deposits. It’s like your teachers used to say in school: “You’re only cheating yourself”.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. • I don’t have a plane. so that you will 71 . find an online interest group. So is flying an airplane impossible? Of course not! People fly planes every day. focused. shapes. so you will need to spend some time figuring out the possible or probable barriers to your goals. 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.
That’s because life is supposed to be a challenge. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. you’re probably going the wrong way. 2. 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.” -Brad Turk Three Huge Obstacles In my life as a successful businessman. Let’s examine each of these and ways you can beat them every time. your real goal at first may seem almost impossible to reach. the goal suddenly seems reachable. stay clear. or even when we face them with not-so-successful results. and manage your way to achieving your goals. we learn from our success and failures to meet the next obstacle with even greater results. allowing failure to be an option. Number 1: Procrastination 72 . All of these steps we have completed so far help you get focused. you’re probably going the wrong way. procrastination. They say if everything’s going your way. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles. and 3. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. When we face challenges and overcome them. Lifemoney Currency “They say if everything’s going your way. making excuses. As with this goal of flying.
(Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4).” “I don’t know where to start.” “I’m over-committed already.” The list goes on and on. We say things like: “I’m too busy. procrastination is one of the worst enemies of success. It’s easy to put off making a plan for starting the journey to your goals.” “It costs too much. too. 73 .” “I don’t have the help I need.” “I’m too tired. By procrastinating I mean putting off or delaying an action or task to a later time or date. To me. or avoid taking action steps once the plan is made.” “My wife’s nagging won’t let me think.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination.” “I can’t find a minute to myself. All the time that is wasted procrastinating is not putting us closer to reaching our goals. and some of us are experts at it. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments.” “The kids need me right now.” “My husband says it won’t work. 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.
Just do it! Example: When it’s time to go to the gym. go. Maybe a part that interests you most.Lifemoney Lifemoney Currency “The world is full of willing people. some willing to work.” -Robert Frost h i nk about that quote. just go and focus on doing the weight training. Or don’t think about not feeling that well at the moment. the rest willing to let them. 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. places (the mall). • Avoid people or things that will take you away from what needs to be done. Maybe after that is done and your body is in motion. do “a part” of the task. Instead of doing the dreaded cardio. be they people (your lazy cousin Eddie). Don’t think about the whole thing. Example: You are on the way to the gym and your buddy calls you to go out somewhere. you might be feeling up to doing the cardio. • Do a part of the task. You tell T 74 . or things (Xbox/housework/chores). Just get up and go. You’ll feel better after you do. Don’t think to reschedule it for a better time. We all know time-suckers. Example: If you’re not feeling well and you are supposed to do cardio and weight training. Even pick one of your favorite exercises to start.
While this may be extreme. don’t think of the exercises that you need to do. think of how you are going to look at the beach. • Write down why you’re avoiding the task. get a friend involved or find someone at the gym who keeps the same workout schedule. If failure is always an option then success may never be within reach for you. colleague or friend.Overcoming Obstacles him you can’t but he is persistent. find a workout partner. You can hire a trainer. Yet most of us grab onto great ideas for self-improvement without much thought. Example: If you need outside motivation. not the task. I’ve seen people literally write down “make a million dollars this year” on an index card. • Find a partner. All successful people meet their obstacles 75 . visualize the result you’re after. Then work on the task and write down how you feel now that you’ve done some or all of it – enjoy that sense of accomplishment. For instance. fold it up in their wallet. not the steps it takes to get there. Example: If you don’t feel motivated to go to the gym and you dread having to go. he’ll be waiting for you when you’re done. • Focus on the results. If he’s a real friend. Sometimes we just need a little outside perspective from a family member. Many successful people consciously visualize a result before beginning a task. and spend every waking minute realizing their goal. which explains why a significant number will fail or relapse when the going gets tough. You need to be firm and stick to your plans and continue on to go to the gym. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken.
Sylvester Stallone went through huge trials and tribulations as a writer. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed. star and creator to see his project come to life. He persevered until. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. then ask yourself questions like these right now to avoid making failure an option: • • • • • • What type of lifestyle changes do you plan to make? Do you need to move to a new place? Should you change jobs? Do you need a different eating plan? Do you need to make time to get more exercise? Which skills will you need to develop to improve your capabilities? 76 . but lost out on several of them because he believed he was the only actor who could pull off the lead role to his demanding specifications.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. Stallone refused to fail. How far are you willing to go for success? If you concede failure before you even begin. he found a movie studio willing to buy both his script and his portrayal of the main character. at last. 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. Much like the boxer in his now famous movie. you may never know.
This becomes a lifestyle challenge that you must address. Emotionally speaking you may be thinking it’s too late for you to change. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights. you may be tempted to light up with your buddies at the bowling alley. For example. At the age of forty. But it is never too late to achieve your desires. my sister enrolled in medical school. Life circumstances and 77 .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 might feel too old to reach your goals or that it is too late to realize your dreams. if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. Being a doctor has been her desire since she was a child.
Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. -Brad Turk 78 . Start with one goal at a time. The bottom line is. Rather than making excuses. working overtime to prove your usefulness. the thing you were suppose to do did not get done. like earning more money by asking for a promotion. be definite and defined about the action you will take and when you will take it. But guess what? Excuses are worthless! There is never a need to make an excuse. Excuses are probably one of the biggest obstacles that keep you from achieving your goals. 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. This is just not acceptable. Lifemoney Currency If failure is always an option for you then success may never be. and approaching your supervisor at just the right time to maximize your chances for success. 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. maybe even a small one. when you make an excuse for not doing something. Your action steps might include dressing the part of the higher position.
giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I am ready to create goals. remember that when this process is complete you are ready to step on the gas and head on toward your destiny. timelines and an idea of some of the obstacles you’ll face. That means creating a written plan for reaching a specific goal. I have a good idea of my action steps to reach each goal. objectives. We need to do everything in our power to make them happen. We need to do everything in our power to make them happen. Let me repeat: NEVER FORGET to anticipate that obstacles will come up.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. Being prepared to face them is a huge factor in overcoming them when you meet them. and then tally your score. The plan should list the goal. action steps. 79 . -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. Whatever you do. Lifemoney Currency: Good things don’t just happen by themselves. _____ 2.
Just not where you want to go. I am looking to see how technology can make my life easier.Lifemoney ___ 3. _____ 10.” -Brad Turk 80 . I have thought about some of the obstacles I may face. I have created a timeline for my action steps that appears to be reasonable. _____ 8. I have plans to fully and completely address all roadblocks to my success. I plan to tackle the more difficult things on my “To do” list first. _____ 7. No excuses: I will not let myself off the hook. Lifemoney Currency “Excuses will get you everywhere. ______5. _____ 4. _____ 6. _____ 9. I am ready to stay committed to my written plan and see it through with daily reminders. I am ready to adopt the mindset of someone who will be successful.
This lesson outlines the five critical tools you’ll need to succeed in reaching your goals." Overview Success requires the right tools. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned.' it would have made me actually look and feel ridiculous. well done. and laying the foundation for all mankind. time management. good point. My favorite is the one where a television anchorman says to the caveman. priorities and commitment. Yeah. you’re right. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen. efficiency. The five tools are focus. “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. awesome. discovering fire. inventing the wheel. like walking upright. Learn to use these five with skill and you’ll achieve whatever you can dream. 'Good job.” 81 .
you need to select and develop the tools that will help you achieve your goals. nearly everything in our world is a tool. We create mental tools to help us achieve greatness as well. successful people use many of the same mental tools – and use them well. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make. Whatever the task requires . 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. If you stop to think about it.” -Tom Clancy 82 . Technology is just a tool.our tools surround us.Lifemoney We’ve been innovating and making tools since we lived in caves. There was a time when people had to be told how to use a telephone. cars or computers .stoves. Though different tools may suit different people best. People use tools to improve their lives. Now that you’ve made up your mind to go after your dreams.
Tools for Success
Tool #1: Focus
Bruce Lee, the martial arts expert and movie star, once said, “The successful warrior is the average man, with laser-like focus.” Focus is something we don’t usually hear about but trust me: it is on the minds of every single successful person. Focus is exactly what the name implies; a narrowing of the lens until we get bullseye aim on our ultimate desire. We live in a world full of distractions. There are more TV channels than we can ever hope to watch, an entire industry devoted to creating computer/video games, four new movies to choose from each week, nearly 200,000 new books that get published each year and nearly that many new CDs. When you add in blogs to read, email to keep up with, instant messaging, cell phone calls, and all of the other daily distractions we deal with, it’s a miracle we get anything done at all! It is extremely important to stay focused on your goals. Don’t be distracted by external things. Distractions and challenges will come daily, if not hourly. These could involve the things mentioned above, people in your life, your job, your hobbies, or just about anything else that comes your way. Look past your obstacles and stay focused on where you’re going. This is how you handle obstacles effectively and keep yourself zeroed in on success. Notice I didn’t say you don’t have to deal with the obstacles – you just simply have to return your focus to your goal as soon as you deal with the obstacle. As you begin to recognize some of the common factors that have been sidetracking you and possibly bankrupting your motivation to accomplish goals, you will develop a clearer mindset on how to avoid distractions in the future so you can steadily pursue your personal vision of success.
“The successful warrior is the average man, with laser-like focus.” -Bruce Lee
Goal Achievement Exercise K
Take out your Workbook. List the typical distractions you face in a given week. From unwanted phone calls to sorting email, write down everything that takes time away from more important matters. Here are some possibilities: • • • • • Yard work House chores Chatty neighbors or co-workers Last-minute errands Television, computer, or video games
Beside each distraction, write one or two ways of seeing through the distraction, as shown in the following examples: 1. Yard work—get the kids to help more; hire someone to do it; schedule certain days for it. 2. Unplanned errands—do what you have to; postpone non-essentials. When you identify your most frequent distractions, you can stay more focused by spotting them early and seeing past them. The key to laser focus is recognizing what
Tools for Success throws you off focus and planning what you will do about it ahead of time. There is no substitute for knowing exactly what drags your focus off point.
“A major part of successful living lies in the ability to put first things first. Indeed the reason most major goals are not achieved is that we spend our time doing second things first.” -Robert J. McKain
Tool #2: Time Management
Imagine there is a bank that credits your account each morning with $86,000. It carries over no balance from day to day. Every evening the bank deletes whatever part of the balance you failed to use during the day. What would you do? Draw out ALL OF IT, of course! Each of us has a bank like this. It’s called TIME. Every morning, it credits you with 86,400 seconds. Every night it writes off as lost whatever amount of that precious, precious time you failed to invest to good purpose. It carries no balance. It allows no overdraft. Each day it opens a new account for you. Each night it burns the remains of the day. If you fail to use the day’s deposits, the loss is yours. There is no going back. There is no drawing against “tomorrow.” You must live in the present on today’s deposits.
Lifemoney Invest it so you get from it the utmost in health, happiness, and success. The clock is running. Make the most of today. Consider the following list which has circulated on email listservs many times. To realize the value of ONE YEAR, ask a student who failed a grade. To realize the value of ONE MONTH, ask a mother who gave birth to a premature baby. To realize the value of ONE WEEK, ask the editor of a weekly newspaper. To realize the value of ONE HOUR, ask the lovers waiting to meet. To realize the value of ONE MINUTE, ask a person who missed a train. To realize the value of ONE SECOND, ask a person who just avoided an accident. To realize the value of ONE MILLI SECOND, ask the person who won silver in the Olympics. Time is far more valuable than money, personal resources, and sometimes even health. Why? Because it is the one thing you can never get back. Once a moment passes, it is gone forever. You have lost the chance to make good with it. All you will have is a memory. If you are wise you put your time to good use – just like you invest money in the bank. But if you are careless then time will be wasted, leaving no significant memories and giving you no investment for future use. Time is the ultimate variable between success and failure. It is extremely rare to find a successful person who doesn’t manage his or her time effectively. Find ways to
87 . While this may be extreme for you. To manage your time better I would suggest four things. Just pride yourself on finishing projects and never allowing them to linger unfinished. If you’re unclear about your objective you’ll be unclear about the time you’re spending. contributing to the community. be very clear about what you’re trying to accomplish each day. Third. ignore the invitation and do something constructive. First.Tools for Success manage time well and you become a master of extra hours. busy with multiple high-profile projects including a daytime talk show and cookbook empire. or useful for others or yourself.” 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. months and even years. only sleeps 4 or 5 hours a night. like building a career. after 50 years you would have spent more than a year of your life “wasting time. think of the extra hours you could find just by adjusting to one less hour of sleep per night. Extra snippets of time come in the most unlikely places. Second. let alone two or three. If you wasted just 30 minutes a day on surfing channels. enjoying your family. Donald Trump suggests sleeping only 4 or 5 hours a night. or reaching that goal you think you just don’t have time to reach. The next time you’re tempted to spend time where it won’t count for much. In his latest book. days. interesting. Take it a step further and think of how much time we waste every single day. driving to the store. insists that she. talking over the fence to your neighbor. weeks. finish whatever you start. Rachel Ray. or browsing the classifieds or eBay for things you don’t need. Trump: Think Like a Billionaire. too. minutes.
every single day of the year. Carrie. the author of some of the world’s most popular novels. King has consistently published three or four novels per year. the Fourth of July and Christmas. The Green Mile and Hearts in Atlantis. Fourth. 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. King has long said he writes at least four hours a day. So even though he is not working 10 hours a day on his books. money. back in 1974. energy. While many consider him the “King of Horror. How does one author manage such a staggering number of pages? The answer is efficiency.” . except for three: his birthday. The Shining. The good news is you're the pilot. Lifemoney Currency “The bad news is time flies. and Misery. Salem’s Lot.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. Remember that your time is your time.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. Since publishing his first novel. he is efficient with his time and committed to writing practically everyday. don’t give into time wasters. all of them bestsellers and featuring such instantly recognizable titles as Cujo.” the author is also the mind behind movies like Stand by Me. It’s a good lesson for all of us: you might surprise yourself 88 . Someone who knows a little something about being efficient is Stephen King.
Not pushing paper or daydreaming. but efficient work.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. from time spent with friends to starting a home-based business. In other words. Ask yourself. 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. You also should get in the habit of counting the “efficiency cost” of each decision you make. some activities are more efficient in getting you 89 . My guess is that you will get more done in four focused hours than eight unfocused ones. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. Let’s do an efficiency exercise. From now on. when you get the chance to make decisions. you may need to reconsider that decision. weigh each one with a view to your goals. 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. Everything in life has a price tag.
That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. consider making changes like these to enjoy life now while working toward a better one for the future: 1. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. get in the habit of asking questions like these before making major.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. Using time efficiently is a huge obstacle for many people who are would be success stories. or even minor. but efficiency of performance is what wins the game for the team. Ride your bike to work to relax and get some exercise.Lifemoney toward your goals than others. and effort? What must I give up in order to make this work? How will this choice bring me closer to my long-term goal? Will this decision prove worthwhile in the future? Lifemoney Currency “A particular shot or way of moving the ball can be a player's personal signature. I want you to realize a few things about time and think about ways you can use your time more efficiently. In order to focus and spend your time more efficiently. time. To better manage your time and utilize your time more efficiently. decisions: • • • • How much will this cost in terms of money. For that reason. especially future goals. 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 .
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. neither of which fosters success. cars break down and bosses demand overtime when you least expect it. 6. Setting aside one hour at the end of every week to analyze how well. Many programs offer everything from stock tips to weight loss programs to informational documentaries. we tend to perform those tasks more efficiently. you managed your time that week can save you hours the following week by learning from your mistakes. like getting to work or going to the store. Get a Spam filter for your e-mail. When we schedule a block of time. Watch less TV and do something more productive.Tools for Success to accomplish in the first place. 4. 2. between important tasks. minds. spouses need our help. When our “To Do” lists are too full. 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. Unfulfilled lists lead to depression and disappointment. or poorly. Things do not always go like clockwork. with planning and forethought. 91 . which can be as little as fifteen to thirty minutes. Eliminate the hassle by making something you have to do anyway. and make any needed adjustment. they often remain unfulfilled. When viewed wisely. Monitor how you’re spending your time. Set aside “unwind time” after work or school. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. We are not computers. kids get sick. 5. television can be a valuable tool. Don’t overfill your “To Do” list. most don’t. or both. exercise.
Always carry something to capture your ideas.Lifemoney 7.” Never waste an opportunity to learn. lobby lines. 9. the day begins with the priority of going to work and chasing a paycheck. complaining is not action. You get up. Think of the day you were sick in bed. there would be so much less to worry about. 92 . don’t worry about the rest. open the window and enjoy the air. If you’re stuck in traffic. Without those paychecks. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. Appreciate unexpected delays. I usually use car time to catch up on calls that I need to make. Entrepreneurs. even when it’s spent waiting for things. creative people. etc. you would not have a roof over your head. Mason Cooley once said. food to eat. 8. waiting for appointments. Use waiting periods wisely. 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. Only focus on things you can control. 10. especially when it’s spent in waiting rooms. “Worry is not thought. When we learn to use our time – all of our time – wisely. or a car to drive. in restaurants. we gain not just precious moments but momentum. Take a break to relax and listen to music. get dressed.” 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. wishing you could be outside. Tool #4: Priorities What are the priorities in your life? For many. Bring a book to all your “doctors visits. and get going to a job so you can take home a paycheck every few weeks.
The third suggestion for prioritizing. complete all the important things at the beginning of each day. Focus on one step at a time. focus on writing and not the collateral activities that might make writing that letter easier. Choose a priority and be a finisher. and take time to spend with the ones you love. 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. Do whatever you’re doing all the way.Tools for Success Another priority for many people is their relationship with family members and friends. The need for a clean desk before you can begin is less a necessity and more of an obstacle. In other words. Second. Finish what you start when you start something. If your goal is to write a letter to someone. something or someone important is going to get short changed. Don’t multi-task and try to accomplish too many things at once. 93 . I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. You can easily become distracted doing this and usually nothing gets done right. Then commit to giving your best to your life and to your goals daily.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. don’t spend three hours cleaning your desk so you can get started. You come home to people that mean a lot to you. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. 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. Don’t do busy work.
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. Thomas Jefferson. and Albert Einstein. create a sense of urgency for important activities that are going to be meaningful in your life. don’t be afraid to say “no. Jackson Brown 94 . That will only take me away from my priorities.” -H. Lifemoney Currency “Don’t say you don’t have enough time. it was worth it to me.” Delegate worthwhile projects that can be handled by someone else. Even though I had to share the profits. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. Leonardo da Vinci. and freed up some of my time to work on other priorities. Your time belongs to you. Take on only what you want to do and say no to the rest. Michelangelo. give up the little things that scatter your time and energy. I would often share sales opportunities and business deals so that I would have less work to do. Together. But why spend hours handling that task when my time can be put to better use? Last. Pasteur. Sure. Fifth. I never answer my phone unless it is a call I’m expecting. One example from my life is that I pay to have my laundry done. You have exactly the same number of hours per day that were given to Helen Keller. my partners and I had a synergy allowing us to accomplish more in less time. Pay less attention to things that come up but have no relevance to your goal. Sometimes you might want to consider sharing profits or payoffs in order to get needed help. I could do it myself.Lifemoney Fourth. Mother Teresa.
Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. eating. would you? 95 . besides his normal two week break. 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. as he calls it) for over ten years. You wouldn’t go a whole day without eating. they make a commitment to the bank. I was amazed at his dedication and commitment. 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. you need to make your goals – things to do – daily activities. a key part of your lifestyle. or sleeping. His response was that working out was one of his daily events. it was like brushing his teeth. When we make an appointment to see the doctor. In the same way. he had not missed a single week of working out. consistently. I have a friend who has been bodybuilding (or body sculpting. For example. However. Then the real embarrassment came: after going over his working arrangement. In the last ten years. When I was talking to him about his workout plan. we call it a mortgage. we feel obligated to keep that date. It was something he had to do. I learned that through most of those ten years he had worked 10-14 hour days between his job as a paramedic and a bartender! I asked him how he found the time and energy for working out at this pace. when someone buys a house.
2 miles. You have no choice really. Daddy's House Social Programs and the public schools of New York City. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation. because a 99.517.9% effort were given. 22.9% effort will not get you where you want to go. give 100%.500 defective personal computers will be shipped this year 2. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. Go big or go home. Follow through.200 books will be shipped in the next 12 months with the wrong cover 5. I saw him) to a few months later running 26. 1.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon. He set a goal and did not stop until he reached it. He went from hanging out and drinking at clubs (I know.260 income tax returns will be processed incorrectly this year 2.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268.000 checks will be deducted from wrong bank accounts in the next 60 minutes.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 .488. this was based on a study done in the 1990’s that circulated in email: • • • • • • Two million documents will be lost by the IRS this year.200 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. Here’s a breakdown of how things might look if only 99.
often unsafe. 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.000 incorrect drug prescriptions will be written in the next 12 months 114.Tools for Success • 3. saying Oliver Stone didn’t know what he was talking about. The director. tomorrow. wanted nothing to do with Jamie. next Thursday and every day in the future on defective.500 mismatched pairs of shoes will be shipped this year $761.” He did not believe Jamie could pull off the part. Jamie could have easily walked away.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18. Oliver Stone.900 will be spent in the next 12 months on tapes and CD’s that won’t play 107 incorrect medical procedures will be performed by the end of the day today 315 entries in Webster’s Third New International Dictionary of the English Language (unabridged) will turn out to be misspelled. Jamie was already a 97 .000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20. He even went so far as to tell Jamie that he “would not waste one inch of film on him.690 will be spent today. Any Given Sunday.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880.
Lifemoney successful comedian/actor. he said that he couldn’t make the movie without Jamie. The Jamie Foxx Show. Roc. -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 heard that after Oliver saw the audition tape. Second. never give up. Cooper. Moesha and Hanging with Mr. First. He had also starred in several movies by this point. they are confident in their abilities and they stay committed until the task is accomplished. remember to get and stay focused on success. They are humble enough not to think they are too good to put in the extra effort. Lifemoney Currency Never. at that point in his career he did not need the role. But that’s not how Jamie viewed and approached it. I think it is fair to say that although it turned out to be a great part for him. never. He had his own TV show. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . and he had already done many TV shows like In Living Color. Jamie took it upon himself (on his own time and with his own resources) to make an audition tape for Oliver Stone to show the director why Jamie was the perfect actor for the part. So that’s how successful people handle getting something that they want.
Fourth. work hard to eliminate the “white noise” of your daily activities and learn to pay attention to the things that are truly meaningful – your priorities. Last. make efficient use of your time. talents.” -My Mother 99 .Tools for Success second. and resources. make a commitment to embrace your goals and make them part of your life. you go to it. Third. Lifemoney Currency ”Success doesn’t come to you. or hour passes it is gone. minute.
I am willing to delegate some tasks to others. I have evaluated my schedule and am eliminating the time-wasters. _____ 3. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I am taking steps to avoid or redirect or see beyond these distractions. I have made a list of the major distractions in my life. _____ 2. _____ 7. I am taking specific steps to make better use of my time. _____ 8. and then tally your score. change or impact – You can’t worry about” -Brad Turk 100 . I am learning to make choices that will lead me toward my dreams. _____ 4. I have identified my focus and am ready to pursue it wholeheartedly. I am “do or die” committed to doing what it takes to reach my goals.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. I have begun sorting high priorities from non-essentials. _____ 6. _____ 5. _____ 9. I am determined to include my goals in daily lifestyle activities. _____ 10. Lifemoney Currency ”What you can’t fix.
to 101 . compassionate and ultimately successful man named Christopher Gardner. You add them all up.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count. Progress Report When Will Smith played the lead character in The Pursuit of Happyness. as long as you are going forward. and one day you look back and you’ll be surprised at where you might get to.” -Christopher Gardner Overview Finally. one giant leap for your life. he took on the role of a complicated. your plans for reaching your goals are in play. only to find out later that the IRS has seized the bulk of the account. At one pivotal point in the movie. Gardner believes he has over $600 in the bank. but just starting down the road to success is one small step for you. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. You may not feel like you’re making much progress yet.
let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. including printing. The resulting loss sent Chris and his young son onto the street.000 for everything you need to get started. Instead.Lifemoney the tune of $600. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. if not years. filled out paperwork for an extension. 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. and literally withdrawn it from the account. For example. You’ve decided that you’re going to launch your t-shirt line six months from now. While the event seems tragic. shipping and delivery of the first 2. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. Busy work doesn’t get it.500 shirts to local retailers. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. It will cost about $5. When things take time. 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. But don’t worry: patience and paying attention brings progress toward your goal. it’s easy to wander and not finish the essential steps that lead to your goal. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. it will most likely take months. 102 . to do everything that you want or need for your dreams to become reality. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. you need your plan clearly laid out and a means to track how you’re doing.
What happened? Most likely – you made a bad assumption. Was the goal bad? No. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch.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. What happened? Well. a daytimer. Don’t forget the map! The solution to this common problem is either a chart of your own making. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. where you’re going and how you’re doing. I prefer a big calendar. or about $160 monthly. 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. 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. Were you on track? Yes. but by all means use something. The simple reality is you need one single visual reminder of what you want. you simply failed to keep track of your progress. but a big 103 .040 in your money market fund. Was it out of reach? No. This means that you will need to save $960 in the next six months. 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. and you recall spending $300 to get a new bicycle. In this example. We often just assume things are going to work out once we have our plan in place. Keep it simple. shipping and delivery – into place. It’s been a year since you made the decision to launch.
I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. 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. 2. Also. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. As always. I write these action steps in clear and direct language using 104 . so I’ve broken down my own personal system into five easy to monitor factors. As you can probably tell. make this sheet physically easy to see as you go through your day. 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). I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. 3. Here are my basic elements: 1. It’s important to monitor each goal separately so use a separate sheet/planner for each goal. They are items that need to be accomplished to get me further toward my goal. Written goals are powerful. 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. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. I’m addicted to simplicity. Your reminder system should have several key components.Lifemoney piece of paper would do. I make sure I regularly review my objectives. List a Goal: This is where I simply write out my goal – one goal per sheet. Let’s find out what they are.
a popular time of year for making new resolutions or resetting ongoing goals. and keeps you in touch with the realities needed to make your goals happen. Take it out for review often to make sure you are headed in the right direction. If I do all my action steps. Now it’s your turn. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. 5. creating objectives and action steps. I reach my objectives. Completion: I always mark the date when I’ve achieved each objective.Evaluating Progress action oriented words. Charting your journey in writing helps to make the whole process seem more real. as well as your response to them. but below is a model that provides an idea of how yours might look. If I reach my objectives. We’ll start with January. 4. 105 . How you arrange your grid is up to you. Create a grid that lists basic steps for reaching your goals. and is a great marker of progress toward my goal. Goal Achievement Exercise M Take out your Workbook. the more accurately I can tell if I’ve reached what I originally envisioned. Closure on my objective always makes me feel good. You can find lists of action verbs by doing a quick Google search for lists of action verbs. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. I will reach my goal. I am going to use an example of setting a goal of becoming a better golfer in a year. I have found that the more specifically this is worded.
Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. by the way. Action Step I will take 2 hours during the first week of this month to write out my plan. Check yellow pages for indoor putting green. to work toward your goal. Outcome I will enjoy my golf game more and feel a sense of accomplishment. I will surf Internet for local golf pros. When you go back and check your grid periodically. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine.Lifemoney Goal: Become a Scratch Golfer In Two Years Date January Week #1 January Week #2 January Week #3 January Week #4 Practice indoors during bad weather for an hour per week. 106 . will be spent revisiting an earlier action step. For instance. you can quickly and objectively measure your devotion and success in chasing your dream. and how often. Some weeks. 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. Read one golf magazine article per week to learn more. Even if you don’t fill every moment with related tasks. Call for subscription to Golf Digest. Learn terms. 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 equipment of golf. Enjoy the thrill of getting better. keeping a grid like this one will show at a glance what you are doing. Year-round practice will improve my skills. pros. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player.
you are now going to get a few things that they were not that excited about. If you get the same input from different sources. Evaluate the input. Fortunately and unfortunately.” This makes them think. If. you could switch to a physical activity approach in conjunction with. “You did nothing wrong. 107 . “Please tell me the three things you liked least about what I did. it also forces them to be specific. I liked it all. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. chances are it is correct. Make it easier for them to evaluate you by asking the right questions. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. the diet routine. Find something that works.Evaluating Progress If you decide to change your goal for whatever reason. To find out if you’re off track I suggest you find out what you did wrong. This is good. For example. for example. or instead of. even if that means rotating new activities through the process until you find one that works best for you. Ask good questions Most people want to know what they did right. Ask for outside input from people you trust to be honest.” To get better information ask. 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. and you found little change in the numbers after a few months. remember to adjust the steps to getting there.
You’re allowed to discard opinions if you have a strong impulse that they are wrong. When someone tells you point-blank that you’re going about something all 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. just listen carefully and ask how you can do it better. He was told that his best hopes for a career would be as a carpet layer. Don’t be afraid to be off track—or even outright wrong. It also lets us know how others see us. You don’t have to take every piece of advice that’s offered. I’ve been wrong on many occasions. In 3rd grade he was sent to a school for mentally challenged children. Analyze the critiques and use them as you see fit.4 billion was thrown out of 2nd grade. If you argue or make excuses. which is totally worthless. people will stop telling you what they really think and say only what you want to hear. Criticism is good – it lets us see a different side of ourselves. don’t reject impressions just because they are negative. Before you open yourself up to criticism. however. Keep in mind that not all opinions you get will be accurate. 108 . Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2.Lifemoney Welcome criticism Some of the comments you receive might include criticism. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me.
Registering for a financial planning seminar. For example. Before being home-schooled he was kicked out of three schools. that he was a screw-up. where you want to be. His name was F. His last headmaster said he'd never make it. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. You might even want to get several opinions and weigh several options before making a final decision. founder of Woolworth’s and modern department stores. • • Walt Disney was once fired for a lack of "good ideas. and film. These also help to make sure you have a realistic goal set and that your 109 . or attending a money management workshop are additional ways of becoming more knowledgeable. His bosses thought he lacked the common sense. taking a personal finance class. and creative theory of relativity that has shaped modern physics.W. if your goal is to retire at age 45 meet with a financial planner. Yet. or an investment agent to discuss planning strategies that can make this possible.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. • Albert Einstein struggled in high school math. and how to get there in the most efficient way. Good thing he didn't.Evaluating Progress • Thomas Edison was told he was not teachable. your banker. Woolworth. far-reaching. including the light bulb. Get enough information to provide a clear picture of where you are currently. or we wouldn't have his incredible. he never gave up. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. the phonograph. With his creative mind he patented over ten thousand inventions.
As you try to achieve your goals. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. keep track of your progress. Your best skill is your ability to write things down and track yourself. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. Either is fine. this is the time to reevaluate your goal. Some people even use something as simple as notes. or meeting someone and falling in love. Above all remember. Notes to yourself.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. as long as you continue to make steady progress. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. a death in the family. you still have time to adjust your plan to maximize your chances for success. Watch your goal progress closely Check your daily activities. you may get off 110 .K…. O. daily steps that carry us the furthest distance. the loss of a job.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. 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. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. If not. your plan. and your progress to see if adjustments are needed for a better chance at a successful outcome. Are some carried over for long periods of time? Are you making substitutions for temporary pleasures that eat up your time and resources without bringing you closer to lasting fulfillment? Remember that it is the small.
Don’t beat yourself up for being normal. “You always complain and never offer solutions.” “You’re always late. 111 . take this information and use it to your advantage. properly aligned and refocused.” “You work slowly. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time. Goal Achievement Exercise N Take out your Workbook. And don’t forget that sometimes you get off track due to internal factors rather than external ones. Then move on to do the same with larger tasks. List the five most common criticisms you hear about yourself. You stop exercising or you start watching a new television series that leads to another new show to another and to another. The faster you uncover the weakness within you and address it. the faster you can get on your way. and then outline action steps you can take to address these. We’re going to address some of the internal areas that may get you off track to achieving your goals. There are some very good action steps you can take to get yourself going again.” “You’re attitude is bad.Evaluating Progress track too.” “You’re stubborn and won’t do as you’re asked. Here are some examples to get you started. • • • • • • • “You have trouble following through to get things done.” Rather than being upset or offended.” “I have to constantly watch you because you waste so much time.
come up with a clever solution to some problem the boss is having. Be honest in soliciting opinions from others and acknowledging your weak areas. gut-level honesty.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. Then be proactive in making changes to benefit yourself and others. you will lose track and wander in pursuit of your goals. Better yet. there are many things you can do to address problem areas and turn them around to make negatives into positives. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. I strongly suggest that if you break your tasks down into smaller. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. daily pieces that when completed will gradually accumulate and lead to success. Especially honesty with yourself about your own weak spots. more specific steps you 112 . Being honest with yourself is a powerful tool. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. • • Finish the task at hand and ask for something to do next. Write down the smaller. 2. more doable chunks that you make note of it in your planner. If you don’t make notes of how you’ve broken down your duties. break the goals up into smaller. Keep these keys in mind: 1. Fortunately.
Read a self-help book related to your goal. Make one sales call daily at least five days per week. Whatever you do. Meet with your mentor every other week for feedback. etc. 4. d. c. 3. Seek it out and you’ll find more encouragement than you’ll be able to handle. Learn something new related to your goal every month. Review your written goals more regularly (hourly. take personal responsibility for the difficulties encountered in your quest. and be willing to make the necessary changes that will help to ensure success. j. e. Seek out successful people for advice: Free advice is all around you. Work on replacing a bad habit with a good one each month. Here are examples of small activities that can be conducted daily. Contact at least one new potential employer each week. daily. i. (I speak much more about this in Lifemoney Lesson #6. you will be amazed to see how much you’ve actually accomplished. b. weekly. f. Have a weekly date with your spouse or child to improve family relations. Check out at least one set of blueprints for your dream home each month. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. Save at least $10 per day for an average of $300 per month or $3600 per year. Stop and reflect on your life more often: When you stop and reflect on your life every month or two.) g. h. Resourcefulness).Evaluating Progress intend to take. 113 . as well as find inspiration to help you continue to achieve your goals.
Do this assessment frequently. realistically – and often. but that’s fine as long as you don’t abandon the journey. Come back to your journey when your batteries are recharged. Make a visual reminder – like the grid I use .” 114 -Brad Turk . If anything has changed since you began the quest. factor it into the equation. take a short break to renew your mind. After taking action steps toward your objectives and ultimately the goal.to determine what you are able to complete on time.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. plan to re-assess your progress. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you. Every success story is written with dozens of action plans that were brought to fruition through focus and commitment. living. If you feel that you are unable to follow the timeline or stay with the quest. To tell the complete story. as well as anything that remains unfinished.Lifemoney Lifemoney Currency “The price of greatness is responsibility. You may have to revise your daily or weekly goals from time to time. evaluate your progress thoroughly. and then give it all you’ve got! Lifemoney Currency “Dreams are real.
I will reevaluate my goal. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I will solicit feedback from experts. I am going to regularly check my progress toward reaching my goals. In gathering feedback I will ask good questions.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. _____ 5. _____ 10. I will make efforts to change or eliminate bad habits. _____ 4. _____ 6. _____ 3. and then tally your score. _____ 2. I will be quick to admit my weaknesses _____ 7. I have the names of several people I trust to give me good personal feedback. along with my progress at regular intervals. I will invite and accept criticism that is given with a view to helping me.” -Brad Turk 115 . _____ 9. Lifemoney Currency “Be consistently consistent. I will create a grid for recording action steps that lead to my objectives. I will check the grid periodically and make any needed changes. _____ 8.
Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe. It’s how you handle the resistance that leads you to success. knows firsthand what it means to be resourceful. everyone encounters resistance along the way.” Overview Everyone struggles to meet their goals. and we can endure much more than we think we can. you need to look for other routes or means of help. We are stronger and more resourceful than we know. Sean. Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. 116 . who was brought up in the Marcy projects in Brooklyn. whose net worth is estimated to be $320 million. had to create his own destiny. When things don’t go as planned.
Carter line of Reebok sneakers. under it. Other ventures of his are Armadale vodka. he needed to be a businessman as well.Resourcefulness When he first started out. you might be filled with 117 . right smack through it? As you begin your journey to reaching your goals.a very successful clothing line. including Kanye West. which eventually shaped his destiny. No one seemed to be interested in his music or recognizing his understanding of the music business. He has a willingness to find any way to achieve his goals. he also expanded the Roc-A-Fella empire. In addition to becoming the President of Def Jam Recordings. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. around it or. but the careers of many other superstars. which launched not only his career.” And that’s what he did! He co-founded Roc-A-Fella Records. with 18 Grammy nominations and 5 Grammy wins. Sean was unable to get a record deal. the 40/40 Club in New York City. in some cases. 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.” but over it. Being a talent was not good enough to attain his success. Jay-Z became one of the most respected rappers in the music industry. part ownership of the NBA New Jersey Nets and the S. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. How resourceful are you? Could you overcome adversity by thinking not just “outside the box. “I was forced to be an artist and a CEO from the beginning. which includes Roc-A-Fella Films and Rocawear . When faced with resistance he responded by finding solutions to his problems.
“I’ve never felt better! I have a sense of purpose. You’re going to need to be resourceful no matter how much you have going for you. You may be thinking. What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. The resources you’ll need to tap into can come from inside yourself or from around you. or mediocrity and brilliance.Lifemoney confidence. Lifemoney Currency "I've found from past experiences that the tighter your plan. With a little bit of effort and some common sense. do surgery with a pocket knife and 118 . the more likely you are to run into something unpredictable. 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. Successful people never hesitate to look for resources that can mean the difference between success and failure. then slap yourself in the face. turn on the light. Either way. no matter who you are or where you’re headed you need to focus on using these resources to get through the challenges you are going to face. and I know exactly what I have to do to reach my goals." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. run some cold water over your hands. This lesson points out some useful resources and answers for the troubles you will encounter on your journey.
You’ll have to learn to let your mind go in this fashion. and realize that often the reason you’re stuck is because you’re not thinking big enough. Clever. The trick is to keep your mind focused on what you want. 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.Resourcefulness make a computer out of duct tape. These are four ways of thinking that have made me a better businessman and human being. I want to make four suggestions for being more resourceful. Be an open-minded. big thinker. and when it comes to succeeding in your life. You can always do something. expensive. even if you’re unsure of the outcome. only to be told something you already knew? Often. but the natural resourcefulness of your mind will reward you with many great and doable ideas. Take time to jot down problems for which you’re seeking solutions. 2. 119 . Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. Take the time to take stock of the situation and think on your own. He was the picture of resourcefulness. He was never played out. Though you may not end up being MacGyver. he could always find a fix to any obstacle he faced using just what he had around him. wild and fun solutions. Take stock of the situation to see what you can do. and then brainstorm big. Relax and think: don’t let the complexity of a problem paralyze you. resourceful problem solvers are some of the most open-minded thinkers I know. Did you ever consult someone about a problem you were having. you must be the same way.
over a microphone to your computer. Don’t look at life with the jaded self-knowledge of an adult. I looked nineteen. As you can see on the cover of this book. Instead of focusing on what I could not change—my appearance—I worked on another aspect I could change by taking along a friend who helped to balance my looks. I was able to pitch my products and services to an open ear. And when you come up with all those big thinking ideas – capture them. who was middleaged and looked more of the part I needed to play.Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. but walk with eyes – and ears – wide open. and in a moment of wide-open. Become four years old again. big thinking I created a great solution. I look a lot younger than my real age. George and I appeared to meet expectations for maturity and sophistication. 3. Don’t be afraid to ask questions from people who know. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. This was a problem. George. 120 . I have a baby face. As a team. At twenty-five. Once the perception piece of the introductions was achieved. Be a pest. out-of-the-box resource idea and it worked. When attending a high-power meeting I’d take along a good friend. 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. however works best for you – and then review them every once in a while to see if there is one you can implement. That’s how you learn. Make sure you capture those ideas somehow – in paper. I was trying to launch my business and wanted professionals and industry experts to take me seriously. ask over and over again. It was a big thinking.
new skills.shaw. you can’t know everything. Questions are your favorite tools. It was taken from the web site http://members.htm. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. My dear granddaughter Hannah. I've forgotten how to laugh at blunders… 121 . You find laughter in mistakes. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. you see colors. I find embarrassment. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. I see mess. You love to learn. You want to climb the attic stairs. hoping to master the computer in one easy lesson or not at all. Look for solutions in the most unlikely spots. And in my experience. You are only two. I struggle to learn. You want to know everything.Resourcefulness You don’t know everything. You want to paint. I see problems. Book is your favorite word. I see danger. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. 4.ca/athomas125/hanna. Here’s a thoughtful letter written to a child from her grandfather. With wild abandon you tackle new words. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. 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 see steps.
You’ll Find It Finding the right information can be like looking for hidden treasure without a map. But that comes with the territory. Keep Looking . When you’re listening to an answer. At lunch you boldly bite into broccoli. if it's not too late. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. And learn to ask better questions and be a better listener. I stick with the familiar favorites. or information you can’t really use. 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. 122 . and though you dislike it. Talk to people from teens to retirees. Ask questions that seek out detail rather than just yes and no. After talking to one resource person or another. I love you for who you are! Grandpa Dan Dear Lord. help me to grow up and become just like Hannah.Lifemoney You are courageous. Just keep going until you find the information you really want. These could be friends. tomorrow you will tackle cauliflower with the same exuberance. Sometimes you may not know where to begin the quest. asking questions about their perspectives and ideas. Look around for success “MacGyvers” hiding in plain sight all around you. and relatives who may have an idea or solution to your problem. neighbors. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. you might be given all sorts of misleading ideas. You walk right up to a stranger and smile.
Instead of sitting in front of the television or playing video games. Look at the jackets and back covers for ideas about whether a book will be helpful. Here are four incredible resources. If not. Whatever your needs or interests. often at the press of a button. There’s no better or quicker way to 123 . All you need to do is pick a search engine (I use Google. ask a store associate to order materials for you. you should be able to find worthwhile reading. Even as there are more and more of us. You don’t even have to buy the books. find a seat at the café. technology is bringing us closer together. But you can go anywhere you want and talk to whoever you like. In a larger bookstore chain. That’s the beauty of the modern world. 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. 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. and read a recent biography of someone you admire or a book on a topic related to your goal. 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. You can even use full sentences to pinpoint the closest data to your topic search.Resourcefulness You probably won’t find everything you need in your back yard. buy a cup of coffee. spread far and wide. try different variations of the same words until you find what you are looking for. If you don’t find an exact match. Don’t be afraid to use all of the resources available to you to gather more resources. you can just read while you’re there.
Most libraries offer this type of service for free. and videos. Check your local area for something similar. 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. San Diego.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. Toronto. In New York. movie producers and music moguls at your disposal. San Francisco. You don’t have to buy the product.com) where they constantly have well known speakers. but you may learn a few things from the expert while you participate in the webinar. You can also get audio books. magazines. Many companies offer free webinars with noted experts in a particular field as a way to sell their products. 124 . If your library doesn’t carry a book you want see if they can get it for you from another library. and Los Angeles you have the Learning Annex (learningannex. borrow books for free at the library. language CD’s or DVD’s (if your goal involves traveling abroad). Minneapolis. 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.
Ask the people around you what they know about New York. find out all you can about life in New York and the companies or groups associated with this new job in New York. For example if you’ve challenged yourself to get a great job in New York City. waiting for the chance to drive you toward solving your challenges and meeting your goals. or showing off your playground skills to other kids. That thrill of learning still exists inside you today.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. Read books and look for television programs. It is idling in you right now. Be 125 . One life changing piece of advice can make you thousands if not millions.” -The Learning Annex Promise There’s No Need To Grow Up Remember that excited feeling you had as a kid when you started school? Remember that wonderful anticipation of what you were about to learn or do? You were probably thrilled at the thought of becoming smarter and impressing Mom and Dad with good grades. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. you will be able to learn from the experts in that field. They will teach you how to become financially secure and independent.
Check with a local community college or university branch campus for information about these classes. the internet provides an opportunity to meet many like minded people. suggest that it be taught in the future. You can meet experts in your field of interest and learn things about your pursuit you never knew existed. No matter what your interest. Learning new things is virtually guaranteed. Most colleges – especially community colleges offer informal. and provide you all kinds of problem solving resources. Consider joining 126 . then ask lots of questions. • Join a special interest group.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. If you’re planning to write a novel. Those friendships can form quickly and be lasting. find a writer’s group or a reader’s club. • Take a non-credit class. • Online Special Interest Groups. work on building friendships with new. specialized courses that often cost under $100 and run over a day or several weekly classes. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. Listen first. If they don’t have one you want. Often we outgrow our friends. like minded people that share your intensity in life. To run for civic office in a few years. volunteer at a local official’s office and see how it works. Over time our interests drift and friendships change because your interests no longer match. Rather than ditch your old friends.
such as: 1. assign timelines in which you will visit these places. Community resource center – attend evening sessions from 8 to 9 Monday. Wednesday and Friday. Visit a local learning annex Once you have these three written down. 2. reading blogs about topics that interest you. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s. such as: 1. List three places where you can go to find some information that will further your ability to be resourceful. Consult a community resource center 2.this week I will seek out one interest group related to my goal 127 . Join an online chat room 3. or subscribing to a mailing list of like minded folks. Online chat room--.” -Bill Gates Goal Achievement Exercise O Take out your Workbook.Resourcefulness an online community.
Combs applied to Howard University in Washington. and while attending. 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. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad.C. you might as well think big. Before he became known as Diddy. “Already a shrewd businessman through his two paper routes. those who have already accomplished what you want to do. Lifemoney Currency “If you are going to be thinking anyway. Like Diddy. and found resources anywhere – and everywhere – he could. Sean “Puffy” Combs worked in thankless jobs like the rest of us.” There he swept floors and kept his ear to the ground. Uptown Records. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. But Combs was an avid listener.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. look for experts in your field. learner and observer. D.Lifemoney 3. contact authors whose writing style you like and ask them for tips on 128 . learning the industry from the ground up. According to Answers. This is someone who will work with you to set goals and help you make plans for reaching them.com.
And. Look up biographies. Or look up a local leader that you might be able to interview or job shadow. There are actually some fields like the music industry where the only path to a real job is to intern. and find out what keeps them going strong as well as the things that hold them back. Don’t rely on your own expertise. If you’re a student. Avoid their mistakes. too. You also may want to consult the local Small Business Administration or a retired executive. Learn it first then conquer it. and who won’t turn their backs when you need help.Resourcefulness getting published. Don’t fight the system if you don’t have to. but people are the ultimate resource. and look for readers that can tell you what they look for in this type of book. don’t be surprised if some don’t return your calls. find out what not to do. “What is one thing you would do differently?” Study those who are where you want to be. 129 . take a job as an intern like Diddy. Make sure that you research these people and their companies. get some books about famous people who have already made it in the area where you want to go. When learning from the experts. Try other people or be persistent with the ones you really think are important for you to meet or talk with. before you speak to them. Ask questions like. libraries and the Internet are valuable. Always be prepared and don’t waste anyone’s time. You could contact publishers. Books. interviews. if applicable. Go straight to those who know the ropes and can share a bit of wisdom. videos. too. If speaking directly with an expert isn’t likely. Look for people who can provide guidance. and other information that might hold clues to the reasons for a person’s success.
” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. While making your list. intrigue these people to help you in whatever way possible. 130 . No matter what sorts of challenges you face right now. 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. it is because I was standing on the shoulders of giants. Using the people skills that you will learn in Lifemoney Lesson #8. think of key resource people you already know from your past and your present. You’d be amazed how many talented people you already know that could help you along your journey.Lifemoney Lifemoney Currency “If I have seen farther than others. List three people that you will contact for assistance. Never forget to take advantage of your network of connections.
that can put you closer to reaching your ultimate goals. but stick around for the credits after his next movie.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. always tomorrow after you have done your best to achieve success today. the most resourceful individual will taste defeat. in this case. every one of those people was a resource in creating his latest masterpiece. Some days. might be the director. reach out as often. Very few people succeed entirely on their own. Stephen Spielberg. Don’t limit your dreams by limiting your scope.Resourcefulness Lifemoney Currency “Remember you will not always win. 131 . small and large. It’s important to utilize every opportunity. services and know-how you need to create Lifemoney. Try to count how many names are listed at the end of the film. But there is. and as far as necessary. to get the information.
Learning is the beginning of spirituality. _____ 5. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. and observations. I will take a class or seminar related to one or more of my goals. _____ 9. I will network with people I know to find expertise beyond my circle. _____ 4. Lifemoney Currency “Some people say it’s not what you know. I say.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with. I plan to read an autobiography of a famous leader who inspires me. but who you know. I plan to visit a library.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. giving yourself 10 points for each checkmark and 0 points for any left blank. Searching and learning is where the miracle process all begins.” 132 . _____ 1. I will keep my eyes open for a mentor. find the people you need to know and introduce yourself. _____ 7. I will enthusiastically seek information like a kid. _____ 6. Learning is the beginning of health. _____ 10. school or online special interest group. _____ 3. ideas.Brad Turk . _____ 8. and then tally your score. I believe learning is the beginning of wealth. _____ 2. I will read new material that relates to the pursuit of my goals.
asking big and avoiding the herd mentality. They are your real wealth. looking at things from a different perspective. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. These include visualization. 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. your Lifemoney. He bought the property in 1977 when that part of New York City was in terrible shape. objectifying your goal. Trump had no 133 . I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. directly across the street from Grand Central Station.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.
Lifemoney other major properties at the time and was told that this was not only “out of his league” but would prove to be “a terrible investment.” Even though he was only 26, Trump’s imagination was endless and he saw something nobody else saw in that property. He was sure the city would eventually revitalize the area and that building would be a goldmine. But Trump did not have the wherewithal to do this deal on his own. For most people, the dream would have died there: no money, no deal. Not for Trump. Donald could clearly imagine a major hotelier working with him on the property, and convinced Hyatt to manage the property. It became the Grand Hyatt, with Trump and Hyatt owning the hotel on a 50/50 basis. But that wasn’t even the best part of the deal. In addition, Trump got Hyatt to agree that it would never manage another hotel in New York City. Trump was so immersed in his creative ideas for real estate that he would ask for outrageous things without thinking anything of it. These weren’t outrageous requests to him, just obvious ones. This boldness was born of creativity. It was a mindset that drove him to propose many more innovative projects. It is this type of can-do, creative thinking that, if adopted, will give you an edge in reaching your goals faster. As Trump shows us, imagination, creativity, brainstorming and audacity are some of the mental currencies of success.
“Man’s mind stretched to a new idea never goes back to its original dimensions.”
Goal Achievement Exercise Q
Get out your Workbook. Pick two goals that you have listed in Exercise F, and come up with a different and creative way that you can bring yourself closer to that goal. Do not use any ideas that you have had in the past or seem conventional. Really stretch your mind and look at achieving the goal in a new way. Read over your ideas, ignore the thoughts that these are impossible. Can you use your resources differently to make one of these impossible steps a reality?
“Don’t play what’s there; play what’s not there.” -Miles Davis
Dream It, See It, Do It!
Let’s use a creative approach that many successful people have used to expand their thinking. This may seem strange if you’ve never done it, but it’s called visualization. It involves creating pictures and movies in your head of things you want. For example, picture a snapshot of yourself on a cruiser yacht in the Caribbean, or taking part in a board meeting of a prestigious company – maybe even your own company. See that smile on your face? You’ve made it—you are living the dream in your mind. In this way the practice of visual creativity helps you own the feeling of success and generates more energy within you. 135
Lifemoney Walt Disney was famous for saying “If you can dream it, you can do it.” Nobody knows that better than Arnold Schwarzenegger, famous bodybuilder, actor and politician. Arnold always understood the power of dreaming and reaching for what you want. He grew up in Austria and he dreamed of leaving his homeland to pursue the goal of becoming a world-class bodybuilder. Years later after he reached that goal, Arnold visualized becoming an American film actor. Dreaming big once again it didn’t take long for him to meet that goal, too. His next dream was to hold public office in a country where he had not been born. Arnold continued building on his natural skills by visualizing many things. Today, Arnold Schwarzenegger is Governor of the State of California. He dreamed big, developed needed skills, watched for opportunities and followed his heart to become everything he wanted. In fact I saw him interviewed on television recently and he was sharing the fact that he’s not yet done dreaming. He has more, and when the governor’s gig is up he’ll be moving on. If you want to see a ‘dream it and do it” guy, watch Arnold. In your mind’s eye, walk through a typical day exactly as you want it to be. Who do you talk to? What do you do? Enjoy the mental image of your success by capturing each detail as a memory to motivate you when the going gets tough. Be patient and build that mental motion picture carefully. Rather than becoming overwhelmed by going from 0 to 60, use your creativity to visualize your daily activities, the house you plan to live in, where you go to work, what your days consist of, how it feels to go home; when you spend time with a spouse, kids, boyfriend/girlfriend, or family; where you go on vacation, what car you drive… Does
Creativity creating success in your mind make you excited, impatient, and eager to get started? This is the power of creativity to motivate you and form your life.
“If you can dream it, you can do it.” -Walt Disney
Goal Achievement Exercise R
Take out your Workbook. Rewrite two of your goals from Exercise F and actually see yourself achieving them. Make your visualizations into a mental movie where you’re seeing what you’ll see, feeling what you’ll feel and hearing what you’ll hear. You might have to get yourself into a quiet place to get all these senses activated, but do your best. When you’ve spent several minutes experiencing the visualization “movie” of your success, write a sentence or two in your Workbook about how the experience expanded and changed your thinking.
Five Creativity Factors
Let’s take all that we’ve been discussing over the last several pages and summarize it into some basic principles. When you are creative you: 1. Use Visualization to see your goal and watch yourself accomplishing it. 2. Objectify your goal to build a pathway to success. 3. Learn to look at things from a new perspective. 4. Ask big.
Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success.Lifemoney 5. noticing colors of paint and the condition of the neighborhood. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. You’ll work out the bugs of a process that will move you closer to your goal. Picture your home office with all the things you would use in a public office—computer. Notice even small things like the shoes on your feet and the color of your clothes. copier. Visualization is when you mentally create an image of yourself accomplishing the desired objective. step by step. Avoid the herd mentality. or when it becomes increasingly difficult to see yourself in the winner’s circle. so keep your thoughts positive and stay focused. See yourself inspecting the houses. if you want to get into real estate. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. This isn’t fantasy or play-acting. fax. If you want to operate your own business instead of working for someone else. it becomes more tangible. Now. Your body will do what your brain focuses on. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. For example. imagine yourself doing it. What’s it worth to you? When you’re ready to give up on your dream. 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. this proven 138 . it’s time to shift gears and visualize it. and telephone.
To date. whether at home or at the office.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. and I still have the toy versions to help me remember to make my dreams real. Look at your workspace. Lifemoney Currency “Visualization is daydreaming with a purpose. good or bad. There is no substitute for keeping the proper image in your mind at all times. All success starts in your mind. but our brains respond better to the real thing. an action you take. Those that fail to reach their dreams are often letting their positive visualizations vanish. Why? Because you will create whatever you’re visualizing. Acquiring anything starts with imagining it constantly. I have had both of these cars. 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.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500. Do you keep a special object to remind you of your roots. That is a conscious choice. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. Take responsibility to hold those images in your mind. Do what you can to make a real “object” out of your goal. your accomplishments and your dreams? Some 139 . Sometimes having that physical object can help make an abstract idea seem more real.
A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. The object for your personal goal might be something that brings to mind your dream. Real objects have power. Queen Latifah wears a key on a chain. whether past. A miniature horse that fits in your palm could be the symbol of your future breeding farm. present or future. Whatever you choose. The key belonged to her late brother’s motorcycle. This is especially important in creating objects that represent your personal goals. Dieters sometimes buy clothing in the size they want to be rather than what they are now. If you don’t. seemingly insignificant object that reminds you of something very important. Who do you think is more positively driven? Around her neck. 140 . it should be something that reminds you of and keeps you motivated to achieve your dreams. start collecting those things and placing them around you. Chances are you have a framed photo. 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. or another small. It also keeps her motivated and helps as a reminder of how precious life is. the one he died on. and she keeps it near her heart as a reminder of how much she misses him. and how important it is to enjoy every minute. an award or commemorative gift.Lifemoney people have desks covered with trophies and some have desks covered with bills.
It looked like a hurricane had come through and no one bothered to clean up after. I remember him helping me out once when I was looking for a small rental property. Although I loved the building and the area. my friend saw as a positive. crunched some numbers and while we were sitting down for coffee afterwards. After bothering the agent. His success is attributed to seeing what’s not there and being open minded about what can happen. He buys a lot of properties. and he informed me they had been trying to sell it for over a year. I looked at my friend as if to say. I put it in my wallet and it deteriorated. What I saw as a negative. “We’re out of here.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995.” But David wasn’t quite ready to leave.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. And then. He asked more questions. the actual apartment was terrible. I put that check in the casket with my father because it was our dream together. I thought I knew something about real estate and I asked the agent how long the place had been on the market. When we went into the place I was very disappointed. it seemed I got the truth out of him. manages some and sells the others. just before Thanksgiving 1995. Well. I found out I was going to make ten million dollars for Dumb & Dumber. that was it for me. From his perspective it was good that the place 141 . he explained to me that this was a great deal.
You can do this in your own life. Creativity Factor #4: Ask big There is huge power in learning to ask big.Lifemoney was a wreck and was on the market for so long. She is good at her job and has been with the same company for over 10 years.000.000 down to $150. she really wanted a more flexible schedule.000 co-op for $175. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. does medical billing and is the office manager for a doctor’s office.000 and after spending $25. it appeared that I would be buying a $200.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. She envied my work schedule and the fact that I could arrange my days as I saw fit. Liz. 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. 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. David helped me to see the real value of that deal. By shifting perspective. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. Most people who walked in there did not see the value of the place and could not picture what the place could look like. 142 . How? We were able to get the price from $165. My girlfriend. So try! It is a valuable lifemoney skill that can translate into big cash money. Anybody can see what’s obvious but only a few can see potential. Although Liz was happy with the money she made and her success in what she did. After David did the math with me.
Creativity When I encouraged her to suggest something new to her boss, like a more flexible schedule, she was positive he wouldn’t go for it. But rather than just forgetting about the idea, we sat down and actually listed some very big possibilities she could take to her boss. Specifically we asked ourselves “What might her boss go for?” We made ourselves think outside the box. This thought process alone allowed us to quickly figure out a few adjustments she could make to maintain job duties and still free up some time in her weekly schedule. Then one day at work Liz asked her boss something big. “I’ve figured out a way to work even more efficiently,” she began. “Oh, yeah?” her boss asked. “What’s that, Liz?” “If I work a day a week at home where it’s quiet, I can get more billing work done without the distraction of answering phones or coworkers’ questions. I’m sure I can work faster, which will save the company time and money. Can I do it?” Now do you think that was easy for Liz to ask her boss? No way. But she boldly asked a new and surprising question. And guess what? Liz’s boss agreed to give it a try, and now she has more flexibility in her schedule. She has a day each week for personal errands and her son and on that day she works the hours that she sees fit. Even when it seems like the odds are against you, asking bigger and bolder questions can be a huge source of inspiration and possibility for you. When I worked at MCI, through hard work and utilizing the Lifemoney lessons in this book, I became the number one salesman in the country. My problem was that I knew I preferred working from home without a boss breathing down my neck. But my boss really wanted me to work out of the office in the more standard corporate way. Rather than just giving in to this expectation, I asked myself a bigger, better and bolder question: what would the boss
Lifemoney go for? I decided that I would go to him and candidly explain my vision, how I worked best and how we could make this work for both of us. I set up an appointment with my boss and I explained how much more productive I was from home and that I had two more hours in my work day by eliminating the commute it took to get back and forth to the office. All I had to do was point to my sales results, and my “work from home” sales pitch spoke for itself. I showed that I was able to do my job the way that made sense to me and worked with my personal schedule. I wound up only going into the office a few times a month. I took a standard practice of almost all corporations of working the typical 9-5 office job and turned it into something that worked for me. An enormously big opportunity for me began by asking a big question: “What’s possible here?” Asking big is not only a creative way to think, but when you take the short step of sharing your creativity publicly; profound things will start to materialize. Get in the habit of asking big. Even if it doesn’t work, you’ll be a step closer to finding the solution that will work.
Creativity Factor #5: Avoid The Herd Mentality
There is an old saying that “if everyone is doing it, it’s probably wrong.” We are herd animals, and often where the herd is going is not original or creative in any way. Successful people are more often those who are willing to dream about going another way. It is always best to have some foresight and try to do what has not or is not being done. That’s not too say that you can’t make millions or find happiness doing things that have been successfully done in the past, but the pioneers will usually capitalize the most.
Creativity In addition, you also have to be careful not to jump into a fad or in something that has already reached its peak. The perfect example would be all of the late comers who tried to break into the real estate market – well after the bubble was set to burst. Read what Robert Kiyosaki, author of Rich Dad Poor Dad says about the stampede that took off after the real estate boom. “In 2003, every fool was getting into real estate. The checkout girl at my local supermarket handed me her newly printed real estate agent business card. The housing market became the hot topic of discussion at parties. ‘Flipping’ became the buzz word at PTA meetings. Homes became ATM machines as credit-card debtors took long-term loans to pay off short term debt.” And now the papers are filled with stories of people who followed the herd and ran off a financial cliff. Once everyone is doing what you are looking to do, it often makes your goal that much harder to attain. Again, this does not mean that it can’t be done. It just means you will have to work that much harder and smarter to get your results. You don’t always have to do things the traditional (Herd) way to get it done. If you want $5,000 to buy a speedboat, do you have to start with a basic savings account? Are there other ways you could raise that money? You could: • • • • Sell used items you no longer use -furniture/tools on Ebay. Downsize to a smaller house or less expensive car. Create shares of the boat and bring in partners Get a second, part-time job.
Lifemoney While all, some, or none of these options may work for you, the point is to try to go in the opposite direction of the herd when the herd has been going in the same direction for a while. Back to my main man Donald Trump: many people thought he was born into his millions, or that he came by his wealth easily. The opposite is true. Donald’s father, Fred Trump, had to help support his family and started a construction business in Brooklyn, New York. Donald spent a few years working out of the same office as his dad. When he eventually decided to get involved in real estate, he did so with a limited budget. Though he had very little money, the first thing he did was to become a member of an exclusive New York club. He used his membership as a way to make contacts. That’s pretty unusual and not what a herd thinker would do. Who ever thought of starting a business by joining a club? Most of us would wait until the company was established – probably even well established - before developing business relationships. Trump took an unusual route to success, and it paid off.
“You see things; and you say, ‘Why?’ But I dream things that never were; and I say, ‘Why not?’ ” -George Bernard Shaw
Lifemoney Currency “A problem is a chance for you to do your best thinking. but seeing what’s not there. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. _____ 3.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. Don’t let yours go to waste. I seek out new perspectives to old problems. _____ 4. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. I have objects around me that symbolize the success I seek. and invest the energy in some creative thinking about going after the things you want. 147 . _____ 5. Is there some way to save time or money at your job? Can you trim the household budget? How about trying out a new skill? Most people have a lot of potential that goes untapped. _____ 2. Take the time to evaluate your situation and try a creative approach. Make the time. I can visualize my success through a variety of mental pictures. Remember that one of the most important aspects of creativity isn’t seeing what’s there. Engage your creativity now by taking stock of your situation.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 then figure your score.
great possibilities are created. doesn’t mean you can’t do it. _____ 8. I will use creativity to help me attain my goals. I know when I ask boldly.” -Brad Turk 148 . Lifemoney Currency “Just because something isn’t being done. _____ 9. hasn’t been done or looks like it can’t be done. _____ 10. I avoid the herd mentality at all costs. I make detailed mental images of what I want. _____ 7.Lifemoney _____ 6. I keep asking bigger questions to spur my creativity.
but it should make your life experience more rewarding as well. So learning to interface with other people is vital to realizing your goals. For almost any goal you may have. 149 . Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. getting others involved will be a major key to your success. if people get better at these people skills. professional and powerful way will not only aid you in achieving your objectives. everyone benefits” -Daniel Goleman Overview I am going to introduce you to my very simple and powerful twelve-steps to becoming a more persuasive and accomplished people person.People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. 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. Using people skills in a competent.
I did for her what I wanted my sales manger to do for me – I stayed out of her way. that she would get the sales in. out sick. He once told me about his only uncle. I knew first hand. from being a salesperson. that same uncle died again. I had a salesperson who was one of the most charismatic people you could meet. They were men and women of different races and backgrounds. On the other hand. As an example. that we are all different and had different needs. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). I quickly realized that to deal with people effectively you really need to understand what motivates them.Lifemoney While I was at MCI. who he missed that had passed away about a year before. that one of the biggest problems in how they managed was that they had a uniform way of doing things. I worked as a manager for a short period of time. I was managing a staff of 8 sales people who all had extremely different personalities. I had one rep who was just like I was as a salesperson. hard working and considered her sales position as her own small business that she was managing. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. She was self motivated. and that I could not work her harder than she would work herself. I knew she was a hard worker. or had an excuse for something going wrong. I provided them the resources to work in an environment where they could thrive. He had so many excuses that he was losing track of them. Their “House Rules” were specific to how they thought a salesperson should be. He was always late. During that time. I saw from past managers that I have had. Using my Lifemoney Lesson # 8. and he needed a couple of days to 150 . Amazingly.
I micromanaged him.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. Lifemoney Currency “Shared joy is a double joy. Think of a past problem you had with a specific person. Shared sorrow is half a sorrow.People grieve. some I still have to this day. especially when it comes to dealing with people. Are you a people person? Few of us respond to every situation in perfect form. and told me that he needed that treatment to get him where he wanted to go. Not only was this experience a financial success for me. and at least once every day gave him a swift kick in the ass. I treated him how he needed to be treated. Be as specific as you can. 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 . He later thanked me for helping him. So to get the most out of people and to win them over to your cause. Anyway. you need to know what their needs are. but it allowed me to really connect to my reps and form lasting friendships.
152 . do not speak. of preparing yourself to deal with people rather than doing so on instinct or history. The primary way we communicate with others is through conversation.Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. When it is your turn to listen. Conversation involves someone speaking and someone listening. For relationships to be mutually valuable you must build a bridge that goes two-ways.” -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. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. or rhythm. standing in the gap to close it for us. Listen. there are lanes for incoming and offloading traffic. Step # 1: Be a Good Listener People want to be heard and understood. Lifemoney Currency “Every one of us gets through the tough times because somebody is there. even dealing with people – especially dealing with people – requires proper planning. Success doesn’t happen by accident. everything. Get into the habit.
Yet. Although I knew my resume would be suitable for the position. Ask questions. I asked the interviewer a few key questions about himself and what had made him successful in his career. It turned out to be a win/win for us both. If you really take an interest in what they are saying you might learn something. At the beginning of the interview. I will tell you a funny story about a job interview I once had. we did not get to discuss my history. find out about them. not just another segue to a story about yourself. Watch for opportunities to offer empathy. Again. listen with a reason. their needs and their accomplishments. Let the other person speak – while you LISTEN. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position. If you want to win them over. Smile. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. Keep in mind he found me so interesting and I barely said a word. Try and put yourself in their shoes. He was so excited to talk about himself and his experiences that at the end of an hour. he took an interest in me. people like people who like them. at the end of our meeting. it seemed as if we did not even speak about me.People To demonstrate how much people want and need to express themselves and feel understood. You can’t learn from them if you’re talking. Everyone’s favorite topic of discussion is themselves. this guy not only offered me the job. When you talk to others. Because I took an interest in him. 153 . let them talk about their skills. Be enthusiastic about what they are talking about and who they are. advice or assistance. Step # 2: Take an Interest in People When you listen.
Let the other person feel important and appreciated. 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 someone you are talking to tells you about a game of racquetball they played. but it’s much harder – not to mention more important – to try and understand why people make the mistakes they make or take the actions they take. Even though you can relate to the story because of your expertise. They’re getting enjoyment out of reliving an experience or sharing an insight. Try it and see how it works. Did they have a bad day? Was there a problem at home? The best way to turn a person with a bad attitude around is to be nice. you don’t have to interject your knowledge or skills. But the funny thing about building these bridges is they work both ways. the more they’ll learn by example and start paying you back– by listening to YOU. Most people react in a negative way due to circumstances. it might be. the more two-way they’ll become. Let the person tell the story. you only aggravate yourself. Don’t take that away by changing the subject to you. Have faith and patience that the longer these relationships last. brag or whatever they wish. In building up conflict instead of offering genuine kindness. Step # 3: Don’t Undermine – Understand It’s easy to criticize. Some people are just genuinely grumpy or mean – but these people are not the majority. 154 . The more you listen to others.Lifemoney Let’s say that you are a very good racquetball player. If this sounds fairly one-sided. Don’t fake it! Did someone cut you off on the road? Maybe she was going to see her husband who has been injured in a car accident. But you need to be genuinely nice. and telling your stories. at first.
cfm?pageid=102. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. The next day. Then the boss yells at you for being late. and he was a poor Scottish farmer.People Think back to a bad day you had recently.org/i4a/pages/index. screaming and struggling to free himself. “I want to repay you. On the way to work you get stuck in traffic due to road construction.winstonchurchill. was a terrified boy. mired to his waist in black muck. Crazy things happen when you reach out to people and pay some kindnesses forward. One day. even though you typically arrive on time. a fancy carriage pulled up to the Scotsman’s sparse surroundings. “You saved my son’s life. He dropped his tools and ran to the bog.” said the nobleman. 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. Maybe you weren’t feeling well. Farmer Fleming saved the lad from what could have been a slow and terrifying death.” 155 . 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. There. His name was Fleming. Maybe you got up on the wrong side of the bed. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. he heard a cry for help coming from a nearby bog.
Farmer Fleming’s son attended the very best schools and. “Is that your son?” The nobleman asked. Mary’s Hospital Medical School in London. Let me provide him with the level of education my own son will enjoy. the discoverer of penicillin. graduated from St. he’ll no doubt grow to be a man we both will be proud of. At that moment. “Yes. the farmer’s own son came to the door of the family hovel.” the Scottish farmer replied waving off the offer. This not only looks bad. Years afterward.” the farmer replied proudly. the same nobleman’s son who was saved from the bog was stricken with pneumonia. and went on to become known throughout the world as the noted Sir Alexander Fleming.” And that he did. but I think people can tell when you don’t remember their names. I can’t accept payment for what I did. I know it is because I never really made a true attempt to focus on remembering them. What saved his life this time? Penicillin. The name of the nobleman? Lord Randolph Churchill. If the lad is anything like his father. and it’s a little bit insulting. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. “I’ll make you a deal. in time.Lifemoney “No. His son’s name? Sir Winston Churchill. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. 156 .
it’s easy. 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. “glad Brad. Brian. the intangible benefits of having their name 157 . nice meeting you. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you.” You get the idea. Let’s say for example that I need help with financing a business deal that’s important to me. But if they look like they’re very tired and sad. For instance. Where do you work? Is that right? Sounds interesting. but I will stress what’s in it for them: a great rate of return. Let’s talk about that sometime.People I would suggest you develop a system that helps you put greater effort into this huge priority. the value of the proposed deal. you might think “sad Brad” or if they look happy. 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. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. “Nice to meet you. These little tricks work amazingly well and are well worth the time it takes to practice them. If their name is “Brad” and they look like Brad Pitt. they will be interested in helping you in exchange. 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. Again. Brian.
but the level of intensity – time. a case of beer or concert tickets. and how can I give it to them?” I am not saying you can’t get help any other way. Remember that getting the support you want depends in part on providing others with what they need. offer to help.Lifemoney associated with the project. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. All you will do is make the other person feel bad. energy and commitment – will be that much greater if you provide people with something they want. when they did help. That only happens in courts in front of judges. how 158 . too. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. they would have behaved differently. For what? To win your point? Is it worth it? Will you really feel better? Do you think you can change the other person’s view? Think about a recent argument you had with a spouse. inferior. The winner of an argument in real life is often the loser in the relationship. If a friend is remodeling a kitchen. …you get the idea. stupid and embarrassed. 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. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. I’m always thinking “what do they want. the fun we can have together as a team. whether a free meal. a coworker or a friend. 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.
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. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. Often. 159 . and even then be careful. Don’t give advice unless it is requested. Let others mention your accomplishments before you do. Arguments. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. Always try to look inward to the core issue. Show. particularly defensive and mean ones. Keep in mind that everyone is born equal and deserves to be treated that way. Don’t speak out of anger. don’t tell. be it personal or professional. Step # 8: Think Before You Speak In any discussion. Think your words through. upset or just want to communicate with someone they care about. do nothing but harm. people argue because they are hurt.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. Wait for your opinion to be asked before shoving it at someone. Speak from a calm center. Disagreements on the other hand can be powerful sources of new information and a chance to grow. no one is impressed. even if it’s negative communication. aggressive individuals that think they know it all. Relax. be self-controlled. Think about someone in your past that pushed unwanted advice on you. I make a big distinction between arguing and disagreeing. Don’t act rashly or lash out. Don’t brag.
From time to time you may even take the blame for something that isn’t your fault. but it’s extremely important. You would be surprised how far all of this will take you in building relationships. This may seem like a small thing. Always say please when asking for something. Don’t cry or whine over any of this. To get along in this world without becoming an irritating whiner. but received no sense of appreciation. but we all have problems. It makes a deep and lasting impression that money can’t buy. Look people in the eye and give them respect when you speak to them. Or you might have helped a coworker with a difficult project. even after working hours of unpaid overtime.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. Everyone makes mistakes and will disappoint you at some point. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. Take courtesy even further. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. Just remain calm and don’t shoot your mouth 160 . It’s not that your problems are unimportant. 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. Shake hands firmly and introduce yourself when around new people. lower your expectations of others and increase them for yourself. 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. but he never called or wrote to say thanks. Step # 10: No Whining Allowed No one likes a whiner. 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. Some of those mistakes will be at your expense.
being late is a sign of disrespect for someone else’s time. You never know when you might have to go back the way you came and deal with that person again under better circumstances. When people know you are dependable. Step # 11: Your Word is Your Bond Do what you say you are going to do. If you can’t be trusted on one issue. 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. to a successful person. more opportunities will be sent your way. As I mentioned. Would you want someone to take your most valuable asset away from you? I learned this the hard way when I was first starting out in sales. The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. 161 .People off and burn bridges. I know this is extreme and there are times when being late can’t be avoided. Also. I had an appointment with someone and I showed up 15 minutes late. Your word means everything. but this true story illustrates how sensitive some people are to lateness. time is their most valuable asset. Even if it is just to arrive to a meeting at a certain time. especially in business.
or that costs you plenty when it does get a running start. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. It could be a friend who is always cooking up a crazy idea that never gets out of the starting gate. 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. or who tell you to give up because you have more important things to do. If it’s someone who is really just negative and brings you down. They might be an older brother who sets a bad example with his drug use or gang activity. 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. like fishing or playing cards. They can be so-called “pals” who don’t believe in you. don’t be afraid to cut ties totally. but you have to put first things first if you ever plan to reach your goals. If you don’t like 162 . It’s not that you can never enjoy recreational time. Problem people often hide in plain sight. You probably already know who some of these “avoidable” people are. politely let them that you will get in touch when you have time. because your character is what you really are. put you down or turn you off. They may be hardheaded bosses who refuse to think out of the box. while your reputation is merely what others think you are.
They’re a little harder to find. 163 . the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. Either way you’ll know these motivators because you’ll feel an instant attraction to them. you must also make room in your life for the motivators. In fact. A motivator can be anyone who trusts you to follow your dreams. or they may be a total stranger. seek them out. make sure that you’re always riding the right bus for you. It’s not quitting if you’re the one doing the choosing. Either way.People where the bus is going or you changed your mind in the direction you want to take – get off. Find a new bus or another means to get there. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. They might be a good friend who listens while you describe the goal you want to reach. 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. Just as you must get rid of the people who will drag you down. quite literally. it’s simply a move in a new direction. as well as your plan for getting there. And the more you hunt for them the more they will be attracted to you. if they’re far away. It might be a mentor who leads by example or. cling to them. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. If they’re nearby.
I try and use each one of these on a daily basis and have come to rely on my people skills to make many good things happen. Associate with positive. What’s the best way to learn them? Choose any one of these and use it today. This is the best way I know of to master this list. Then magic happens.Lifemoney Lifemoney Currency “Get around the right people. goal-oriented people who encourage and inspire you. Don’t move off to try another one until you’ve seen results with the first one.” -Brad Turk 164 . Lifemoney Currency “One skill you act on is better than 12 that you don’t.” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson. In fact. keep using it until you don’t think about using it anymore because it’s so natural.
I don’t whine. although I can politely disagree. 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. and then tally your score. A huge part of receiving is giving. _____ 7. _____ 5. eventually. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 2. and I often make efforts to give without expectation of receiving anything _____ 4. I make efforts to express appreciation and good manners to others.People Millionaire’s Checklist: Check all the items below that you agree with. I am taking an active interest in people _____ 3. I keep to my word. Lifemoney Currency “Find people to make up for your lack of know-how and. I understand the value of tolerance when dealing with difficult people. I am learning to be a good listener. _____ 10. I try to stay calm and avoid arguments. you WILL know-how. _____ 6. _____ 8. _____ 9.” -Brad Turk 165 .
What you believe you’re going to get in life is pretty much what you’re going to get. you'll start having positive results. Where’s Your Head At? Which of these statements sounds most like something you’d say to yourself: I am going to reach my goals and fulfill my dreams! or I am going to try to reach my goals but it’s going to be hard because… 166 .Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones. This talks about some of the things I’ve found useful in creating a positive mind.” -Willie Nelson Overview Someone once said. a well maintained attitude and a “no excuses” outlook. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction. whether you believe you will or you won’t – you’re probably right.
Her father had been an executive producer of some very well known films. He was both successful in his field and wealthy. I saw her complaining everyday about what I thought were very trivial things. and whichever direction you take in your mind will probably dictate your destiny.Positively Thinking Do you believe you can reach your goals. I could not imagine with all of the advantages she had been born with that she would not appreciate and enjoy each day of her existence. believe that it can happen and know that you have what it takes to make it happen. it appeared she had everything that a person could want. I don’t know if it was her beauty. On the contrary. From the outside looking in. or do you think that it probably won’t happen for you? This question is like a fork in the road. or the fame of her dad but everyone in school wanted to be near her. When I finally had the chance to meet her personally. You just have to know that you’re heading in the right direction. I figured she would have far fewer worries than other people! In getting to know her. If you focus on the negative. 167 . happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college. her money. The Multi-Millionaire Blues A good example of how attitude. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. As a general statement positive thinking plays a powerful role in helping us achieve what we set out to do. if you focus on the positive. 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. you create road blocks that stop you from achieving your goals. I was amazed to see how miserable she was.
I heard a few years later that she had attempted suicide. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness.Lifemoney I stayed away from her negativity and did not associate too much with her. It’s not what you have but how you perceive things that really counts. you do have complete control over what you choose to think. Maybe you come from a family with many losers and too few winners. “He’s the reason I can’t get ahead” or “If that hadn’t happened I would be rich by now” are just excuses for not taking responsibility for their own lives. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. and say. You might feel as though you are destined to continue the long line of defeat. So don’t worry about what you can’t 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. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. focus on what you can do. do. 168 . Though you have no control over the actions of others. 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. what you attract into your life and your ultimate success. Maybe you will be the one family member who can show the others that success is possible? That would be a wonderful Lifemoney gift to give them. They complain about all the ways in which other people or circumstances are standing in their way.
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.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. Change the channel and play the role starting now. In America. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. You have even more desire to do better than others may have. STOP! Forget the excuses! If you grew up poor – good. You have the resources others don’t have. so use it positively. If you catch yourself repeating the complaints above. I want you to understand that you’re holding the remote in your hand to switch to that channel. you better change your mental channel. there is nothing stopping you from becoming all that you dream of becoming.” Your mind is yours. I was able to become wealthy. 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. You dream 169 . 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. If you grew up wealthy – good. If you feel yourself beginning to argue with me.Positively Thinking Practice turning negatives into positives.
write down a lesson you learned from this failure. Failure can be a very positive experience if you dig through it to find a good lesson. Failing does not make you a failure if you let it teach you lessons. and owned the feeling of a champion. and guess what? It’s yours. Goal Achievement Exercise T Take out your Workbook. you work hard to get it. List five failures that caused setbacks in your life. The mind rules over every part of the body. Arnold Schwarzenegger went into every competition thinking he was the winner. This is the way you turn negative experiences into a positive ones. It was the mental focus on all that he did that made him the best in his field. took it on as his personal goal. but he said that all the intense effort and workouts did not give him the extra edge that he needed. Get your mind on the right channel and the body will do its part to follow the plan.Lifemoney it. Obviously. 170 . you have a smart plan. you implement your plan. Also. Do it and watch how your outlook brightens. that had to be coupled with hard work and long hours in the gym. This attitude and confidence spread and led everyone else to believe the same. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. He visualized it. and explain how you will avoid one of those failures in the future.
a Donald Trump in real estate or a Jay-Z in the studio. Rather they give years of their lives charting a positive course and expecting greatness. Which have you been? Be honest with yourself. It usually doesn’t happen overnight. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 . 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. Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by.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”. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. -Thomas Edison Don’t Complain . Negative people complain about things and positive people fix things. They have a mental certainty that what they’re doing will lead them right to where they want to be. but it does happen. But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking. Understand that a positive mindset happens first. 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. would you handle things differently? If so.
The same is true about anxiety. stay open and be ready to jump into action. and get frustrated. 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. like drawing. People are much more likely to admire and support you if you adopt this mindset in your everyday life. get it in positive ways by becoming an encourager. Is stress holding you back? Stress is often closely linked with a negative mental attitude. Begin using positive thinking to search for new ways to impact your life. Instead of whining about what you don’t have. Begin positive. that a former teacher encouraged because you secretly had no confidence in your ability. and a role model. If you want people’s attention. especially if it was a thought that stopped you. and never feel played out. but we can control our responses to them and the actions we take as a result. Why? Negative thinkers typically think that they’re stuck and will be miserable forever. How do you do that? You’ve heard me say that we cannot always control the events in our lives. These are all signs of a distressed and negative mindset. The solution is to stop complaining and fix your attitude. an inspiration. Positive thinkers are always focusing on ways to positively impact their world. Make a mental note not to miss these kinds of opportunities again. 172 . did a previous employer offer to pay the tuition for you to return to school. start looking for what you can get.Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example.
Make the list with a new sense of optimism and hopefulness. employment. or relationship opportunities. anyone can start from now and make a brand new ending. Make a list of opportunities from the past that were missed due to negative thinking. These could include lost academic. When you’ve completed this list. cultivating new relationships (or restoring old ones). make a new list of potential opportunities for the future. This list is very important in your Lifemoney process because it points out potential areas of negative thinking you’ve engaged in and will need to steer clear of in the future.” -Anonymous Goal Achievement Exercise U Take out your Workbook.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start.” -Winston Churchill 173 . Include options like going back to school. That’s a great first step in positive thinking. Lifemoney Currency “Attitude is a little thing that makes a big difference. developing new skills. overcoming a bad habit.
whose deafness did not stop him from composing classic musical compositions.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. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. who minus sight and hearing became a model of inspiration to others. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. football coach.” -Lou Holtz. or at least their little piece of it. I never had a crisis that didn’t make me stronger. Some famous examples include Beethoven. and even a modern example like Hilary Swank who after getting fired from Beverly Hills 90210 for being a bad actress went on to win 2 Academy awards. 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. Positive thinking sets them on a course for achievement. broadcaster 174 . Lifemoney Currency “Adversity is another way to measure the greatness of individuals. Helen Keller.
so you’re already way ahead of them. Lifemoney Currency “The only disability in life is a bad attitude” -Scott Hamilton Keep It Moving Unlike a great speech where you get immediate feedback. Most people don’t remember what even great speakers say! Besides. 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. So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. You may submit a proposal and wait months before 175 . What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone.Best Case Try this experiment to create more positive thinking. Then take on life without apology or embarrassment. many of our efforts don’t bring immediate results. 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.Positively Thinking Worst Case . Think about something that you are afraid to do because you think you might fail. And if they did laugh. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. Instead think in terms of best case/worst case. most people in your audience would rather die than speak. so what? Who cares? Besides.
those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. Stay positive by remembering that lesser. It’s time for a change. She’s probably like all the others. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. Think of it this way: you’re going to have to spend the day in some way. Everyone faces down times. Had I let negative thoughts overtake me during times when it felt like I was not getting anywhere I wouldn’t be where I am today: a self-made millionaire still young enough to physically and mentally enjoy my success. lack of feedback can lead to negative thinking. 176 . 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. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. 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. The way to get over them is to keep it moving until something positive does happen. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. Unless you’re prepared to wait. 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. This relationship is going nowhere. Without those first small steps there could be no end result worth noting.Lifemoney getting a reply. why not be positive.
trying to get into graduate school. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. Really look carefully at these statements for a moment. They rob you of positive energy and momentum. I’m going to call her and plan something exciting. or climbing to the top of your profession may seem unachievable at first. 177 . 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. Or maybe the girl has a habit that reminds you of someone you used to date.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. Create a Repeatable Success Thought When you set your sights on a distant goal. especially if others are telling you it won’t happen. The idea is to simply stop thinking negatively and to find something good to say “yes” to. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. For example. We ought to try a little longer in case this turns out to be something good. going back to college at 40. the faster your mind will change into a direction that goes forward. it may seem unreachable at first. The key is to quickly counter the negative talk the instant you recognize it. But that is the time to push the envelope to reach your dream.
Be specific and limited. 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. I do not need second helpings. “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. Make your success thought as specific as possible. Nothing can block my success. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds.” (Too short and vague) 178 . The more you say it.” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence. To avoid negative self-talk and track negative thoughts. and repeat it often.” (Too long and detailed) 2. the sooner you will believe it. I will speak up at today’s meeting. I will take my wife to Hawaii next year. Goal Achievement Exercise V Take out your Workbook. “I’ll stop spending. I call these “success thoughts. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes.
When you fall down.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. such as. After a few weeks. “I’ll use just one credit card. 179 . detailed and valuable) Use your imagination to come up with more positive statements like these. and you have to fight. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction.” (Positive. but you have to think positive. update the success thought for a related goal. specific and helpful) 2. Lifemoney Currency “Anything is possible. “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.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. Everyone makes mistakes. but the important thing is to think positive. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance. pre-recorded message that reminds you to stay on track. Instead. “I won’t charge more than $50 weekly.” (Positive.
Keep focused on what you want. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains. remember that you are responsible for how your life turns out. Give thanks and be happy! Lifemoney Currency “He who has so little knowledge of human nature as to seek happiness by changing anything but his own disposition will waste his life in fruitless efforts.Lifemoney Don’t let past failures hold you back. Don’t let anything keep you from getting it. Think about the things that are positive in your life.” 180 . Although others may have held you back at one time or another or you may have to seek help to reach your goal.
I will act as if I’m in the role I want to play. I am making consistent efforts not to complain. I am watching for opportunities to say yes to. not a loser. I keep moving ahead even though I’m not getting immediately rewarded. I view the glass as half full. _____ 1. with the waiter on his way over to fill it up. to fix my situation. _____ 4. _____ 2. Lifemoney Currency “Some view the glass as half empty. 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. some view the glass as half full. I will continue viewing myself as a winner. _____ 6. _____ 7. _____ 9. proactive thinking. I repeat success thoughts to myself as often as possible. _____ 3. I refuse to hold on to negativity and past misbehaviors. _____ 5.” -Brad Turk 181 . _____ 8. _____ 10.Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. giving yourself 10 points for each checkmark and 0 points for any left blank. but rather. I can see how past accomplishments have prepared me for the future. and then tally your score.
Not true. I had surgery 14 times to pin and plate.” -Evel Knievel Overview Few of us do well with sacrifice. They say I have broken every bone in my body. it just doesn’t come naturally. it turns denying yourself into investing in yourself. We want it all.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. 182 . I forget all of the things that have broke. I shattered my pelvis. We want it now. Successful people know that dreams don’t come pre-packaged overnight. If we could find a way we’d have it yesterday. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. When you recognize that sacrifice is frequently a part of success. But I have broken 35 bones.
Ask filmmaker Spike Lee. Spike Lee knows that sacrifice can pay off . Within a generation. but I can tell you that Spike would probably say yes. to get his first film project. They lay everything they have on the line. Why? Because they work hard. But if that was the only way. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants.Sacrifice Borrow. Was the sacrifice worth it? You’d need to ask him. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying.000 to make the movie and it grossed $7. sleeping just a few hours a day.000. Since then Spike Lee has produced at least 22 other films that have made over $433. there are people who were born in this country who complain about the lack of jobs.000 in sales. They are simply unwilling to sacrifice anything to get where they want to go. Some work two and three shifts for years at a time. you have to make those kinds of sacrifices. some become millionaires. 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. She’s Gotta Have It. Yet. sacrifice is often a part of any success story. In 1986. I will tell you right off the bat that I wouldn’t be.100. would you? 183 . grateful for the opportunity to have all the work they can handle. It cost him $175.000 in domestic box office sales. saving every penny to open a restaurant. This much I can tell you.big time! Big or small. store or business. off the ground he did just that. rigorous job to get where they want to go. 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.
There were no shortcuts to success. Lifemoney Currency “Judge your success by what you had to give up to get it. Pulitzer Prize winning political cartoonist. to reach out and grab your future? • Just how far are you willing to go? It’s vital to answer these questions and know these things about yourself. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. 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. took a job as an insurance salesperson straight out of college. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals.” -Dali Lama Sacrificing for Success Mike Luckovich. at almost any cost. He had to sacrifice his nights and his only free time in order to get where he wanted to go. 184 .
or he might have gotten discouraged and given up. But he stuck with it. improving the lives of millions of people.. Choose one of your goals and write it out. However. or is your goal just a casual want? Only you know. They are costly and precious. For example. Ideals are not cheap. You have to be willing to do whatever it takes to claim them. and giving up your weekly poker game to play tennis.. I am committed to helping you get where you want to go. $100 per month for a gym membership. spent months in prison rather than surrender his belief in equal rights for all people. and I can’t make up your mind for you. and you will have to be ready to give it when the time comes. Jr. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return. have. etc. if becoming more physically fit is one of your goals. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. 185 . What do you have in your life now that is expendable. list three things you now do. Goal Achievement Exercise W Take out your Workbook. which you would be willing to exchange for something even more valuable? Is it time? Money? Resources? Possessions? Relationships? Only you have the answer to that question. He could have taken the easy route to avoid jail time. Below the goal you just wrote. List the tradeoffs you are willing to make to reach one of your goals.Sacrifice Martin Luther King. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. and/or enjoy that you are willing to part with in exchange for your goal. your sacrifices could include six hours of your time each week for daily workouts.
you eagerly add a few dollars here and there to save up the needed amount. Imagine a scenario of two young women. Have you ever planned to buy a special gift for someone? You may set aside every extra penny you can get your hands on in anticipation of buying that present. They’re both chasing the same dream: business success. Which one do you think 186 . But as we’ve seen that’s not always the case. Success has value because you have to work for it – you earn it. presenting it to your friend or loved one with a sense of tremendous accomplishment. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. you proudly go out and purchase the gift. When you get enough. You can view your goals in the same way. One is given everything by rich parents who buy her everything she needs and most things she wants. they will mean the world to you because of what it cost to reach them. Whether it costs $20 or $200. 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. there would be no effort or cost attached—and they would mean very little.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. when you do reach your goals. But after years of careful thought and unwavering perseverance.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. If you could just reach out and get them today.
or run into problems. you have already begun to outline some of the goals you hope to reach and have created a plan to get there. sweat and tears for something you’ll own it in a way that nobody else can appreciate.Sacrifice appreciates the success more? You know the answer. or taking a class. Find the non-essential time-eaters in my life and eliminate them. Why does she appreciate it more? It’s common sense that when you pour out your own blood. volunteering. Develop a needed skill through a second job. money. Period. You’ve probably heard the saying. Seek help when I get stumped.” Do you feel that way about your road to success. “anything worth having is worth working for. Put less important things on hold. That cost is part of the joy of success. 187 . But no plan is complete without counting the cost of reaching your objectives. In planning for your future. Are you ready to figure out what it will cost in time. 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. etc. at least temporarily. Get feedback from those who already have accomplished similar goals. • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. write a book. 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. Invest a certain amount of income toward reaching my goal(s).). have a question.
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. 188 . 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. too. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. Underachievers live for the day and overachievers live for the future. you will have enough for today and tomorrow. there will be nothing left. but less than twenty percent of the population do so. If you spend all you have.” -Sidney Howard Number 2: Delay gratification Sociology experts tell us that one of the differences between the lower class and the upper class is the ability to delay gratification. The wealthy will have enough from current savings and investment plans. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. It’s a simple fact of life.
every other week. For example most of us don’t get paid for our work at the end of each day. eat some ice cream. go shopping. watch your favorite television program. When you think about it. we collect paychecks every week. All of these things take patience. Often we don’t find out about a medical test result for several weeks. When you have successfully conquered the need for instant gratification. In other words we’re doing it anyway. or at the end of the month. Instead. List two or three fun things you want to do today. 189 . Goal Achievement Exercise X Take out your Workbook. It might be go for a walk. Make sure that those things on your list are things you really want to do. list something you will get done before you have your fun. play tennis. List one or two tasks you will have to complete before you get your reward. etc. Let’s build your ability to delay gratification. This might challenge you and be a little difficult. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. Then underneath each item you expect to give yourself today. Do this exercise well and discover how much more you get done and how much better you feel. 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. many areas of our lives undergo postponement. which in the end brings it own kind of reward. almost any achievement in the world will become immediately more achievable.
and social activities. We barely have enough time to get through a typical day with the demands of work. Because I know if I do. doing 190 . setting aside time for future rewards is like making deposits in a savings account. Just do it. the results will come. and it may seem difficult at first to find enough extra income to make regular deposits. Start small. say $25 per month. The same is true for working toward your future goals. this could involve reading. family. Depending on what you hope to achieve someday. you can arrange for a direct deposit straight from your paycheck. Finding time to work on long-range goals may seem impractical.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. Many goals that seem hard at first become easier once you get momentum established. You may be reluctant to open a bank account. But you won’t know that until you pull the trigger and get moving. Most of us lead busy lives. Devote fifteen to thirty minutes several days a week to your goals. But actually.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. pulling the trigger and going for it. then I can expect halfhearted results. I don’t do things half-heartedly. making community contacts. so you will never miss the amount of each savings account deposit. especially if you begin with a reasonable amount. So do it. But with a little effort.
Remember that one of the keys to success is to learn everything about the role you want to play. fully aware that not all of it will produce rewards. And keep pulling the trigger at each “next” level of achievement you’re taking. Everyone has to pay their dues as they work. then you have to keep on doing the whole lot. you may need to first attend some political rallies. if you want to get involved in local government. so pull the trigger now and get your show rolling. do it. 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. Naturally. or volunteer as an aide to learn the ropes. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. visit with your representative. Sometimes it seems unfair. that if you can’t tell which half. this means you’ll have to give up something in exchange for this valuable daily time.’ but he didn’t know which half. But if you keep pulling the action and sacrifice trigger. 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. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. from the inside out. None of those tasks took a long time – but each one was a step toward realizing a goal. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. keep in mind that you may have to work through several levels of effort to reach them. Life is a bit like that. His point was. Whatever it is you must give up. For example.Sacrifice volunteer service. You put in 191 . of course. Whatever your goal. you will be rewarded. Pull the trigger already.
Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work. The lesson is that you must continually give 100% effort in the direction of your dreams. This is the shadowland of hope. I know it isn’t fair.” This quote summarizes a great lesson I’ve learned throughout my successes. engraved there to inspire the youth of that school. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. You’re polite to people and everyone seems rude back. and anyone with a dream must learn to live there. Well. It’s a simple lesson that has never failed to produce great results for me.and which aren’t. Your efforts will be rewarded eventually. It reads: 192 . and others cruise it. but then life isn’t.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure. you have to keep doing the 100% because you don’t know which bits will pay off.Lifemoney loads of effort and get nothing back. but you’ll probably never know which efforts are being rewarded -. 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.or for what -.
then he dies. Are you prepared to follow this through. Instead. if you build your Lifemoney. we have to figure out which ones we want most. But show me someone who has achieved their dream without it. but they rarely do. Those people just don’t exist. What are you prepared to do? 193 . and someday my chance may come.Sacrifice “I will study and get ready. In the movie. In addition. At the climax of the movie. Nobody wants to hear about effort and work and sweat. and then force ourselves to work hard for them. One of my favorite movies is The Untouchables. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. an Irish cop played by Sean Connery. Good things don’t just happen to us. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. having been mortally shot. It’s not nearly as bad as you might think. one of Ness’s fellow agents. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”.” The emphasis is on the preparation. and if you love where you’re going you can know ahead of time that you have a lot of pleasure ahead waiting on you. The good news is that if you’re in love with your dreams and want them so badly you can taste them. asks the scared and unsure Ness “What are you prepared to do?” It was a question of challenge in the face of great fear and intimidation. the work doesn’t seem like work. 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. Maybe they should. the whole process of success becomes easier. Sacrifice is sort of the dirty word of success.
and some require harder work than others. focus on “what am I going to get in return?” Investments of time or money are long-term deals. at almost any cost.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. But don’t dwell on the negative aspects of “what do I have to give up?” Instead.” -Wayne Gretzky 194 . Keep your eye on the prize and focus on what you’re going to get in return. But if you keep putting in the effort. What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in. the payoff will eventually be seen. to reach out and grab your future? Don’t spend the rest of your life wondering what might have been. Only you can decide what you are willing to give up in reaching your goals. Most do not pay off immediately. In the end. No one likes to sit around wondering what he or she has to give up as an investment in a dream. sacrifice pays off. Be prepared to give up more of what you have to get more of what you want.
and then tally your score. I am learning to delay my gratification for both the present and the future. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . I am willing to set aside less important activities to focus on my goal. _____ 3. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 6. I am prepared for life. _____ 7. I am pulling the trigger on my talent today. Some of my goals will require that I hang tough. _____ 9. I believe that planning for the future is as important as getting by today. _____ 1. _____ 8. _____ 4. _____ 5.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. ____ 10. _____ 2. I am willing to pay the cost that is required for me to meet my goals. I will put forth 100% effort at all times. I have identified several things in my life that I must sacrifice for success. I have calculated my goals’ financial costs and scheduling adjustments.
It is the ability to let go of the need for immediate gratification. without experiencing anxiety. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined.” -Don Williams. tension or frustration. J Overview Having patience is a key ingredient to successful living. I mean the ability to sit back and relax while waiting for an outcome. Yet our lessons come from the journey. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results. not the destination. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. 196 . By patience.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.
which can be very destructive. When you stress yourself to create results too quickly. When you force efforts. without which you are going to suffer. But I am careful to differentiate urgency. It’s as if patience is a simple building block of satisfaction. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. from impatience. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say. I’m going to move on to something else. 3) I can’t stop for even a second until I reach my goal. 6) I just don’t know where to start .Enjoy the journey 2) I will never get to all the things I have to do. you need to be patient and wait for your results. which is a powerful force that gets things done. 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. 4) I hate having to do or say something more than once. you run the risk of anxiety. Gradual change and growth give you the greatest chances for success. This is one of my personal flaws that I am working on. This can further result in losing important things like business relationships. How do I differentiate the two? A sense of urgency is a good and powerful 197 . 5) If something doesn’t work immediately. There are many negative consequences on health. I have to be honest with you: I happen to be a very impatient person. the results just won’t last long. unhappiness and sometimes even anger.this task has two many steps. jobs and friendships. relationships and personal growth when you lack patience.
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. For example when I take on tasks that are really time consuming (this book for example). This is a struggle for me as it might be for you. If I’m not careful this can create impatience in me. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. Based on where I was in the process and the faith that I had in my contacts in Mexico. I’d brought on an investor to put up the money for the deal.Lifemoney tool. How do you and I remain urgent without dying from impatience and anxiety? The big lesson I’ve learned is to focus on controlling what I can control. I have an unrealistic expectation of speed. There is no way a sense of urgency can create the satisfaction of writing a best seller (let’s hope this will be) instantly because of the timeframes involved in the task. I told 198 . It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. If I can’t change or alter a situation. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. But when urgency is applied to things I can’t change. And this is probably true for you too. I can’t control those timeframes. and don’t let the things I can’t control stress me out. It’s a quality that helps me act quickly and get an enormous amount done. urgency turns damaging and can lead to senseless and sometimes destructive impatience. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. Mexico. I need to clear it from my mind.
he decided to partner with me and put up the $1.000 that was needed to get this project going. I flew down to Mexico for my big meeting and to sign paperwork.6 million dollars. and then I left the meeting. I wanted this deal done. and patience was number one. Outraged by what transpired. Based on the trust that I had built with the investor on past dealings. When I sat down in my meeting and went over the paperwork that they had prepared. 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.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. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently.600. There was so much I had no control over. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . I picked up my things and told the company I was meeting with that I would look over their new terms. regroup and come up with a game plan. So there I stood in Mexico. It took all the Lifemoney lessons I talk about in this book to get me through this situation. 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.6 million already invested in the equipment needed for this project. $1. a partner who trusted me enough to put up that $1. What was I going to do now? Go home with no deal and give up? How could I tell my investor what happened? Was I going to start from scratch after all this work in putting together this deal? What I did was relax. I noticed that they had changed all of the terms of the deal. I immediately extended my trip from 2 days to a full week.
• Reward yourself for completing something difficult. I started making calls and finding out key contacts and setting up appointments. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. Focus on the results and not the task. If your goals don’t seem to be on track. 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. I would have never completed this deal that wound up being a very successful project for me. Do something fun and celebrate your incremental success. • Stay busy. Get preoccupied with another task until you have results from the first.Lifemoney had met with. I wound up getting an even better deal than I would have initially. Look at the things you have accomplished to date. Why? Because I was patient and focused on controlling what I could control. reevaluate your objectives and make your goals more realistic for your needs. If I did not have the patience to stick this out. 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. Think of all the fun and excitement you will miss if you don’t savor every moment. before you know it. When I am having a bad day. you will wake up and have missed out on what life really has to offer. For example. Who said life has to be hard? It is only tough if you make it tough. In 5 years looking back at the issue. Chances are you will look 201 . The 5 Year Test Another very effective technique I use is the 5 Year Test. 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. 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. 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. 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. You need to start enjoying a little everyday. 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. We need to count our blessings and enjoy what we do have and make the most of every day.Enjoy the journey Enjoy the Journey The purpose of life is not to work hard for 40 years and be miserable so that you can retire at age 65 and enjoy the last years of your life. You need to live today like it was your last day and plan for tomorrow as if you were living forever. If you do. I find something to make me realize that it’s not as bad as I think it is. Don’t take time for granted and let your life pass you by.
so we need to make the most out of our time. Getting fired from a job? That may be a blessing in disguise. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. You will remember that in 5 years. a joke. Don’t let one day pass you by without appreciating something that you may never have or see again. it probably has no bearing on your life now at all. list 2 problems that you are presently facing and put them through the 5 year test. Time moves faster than we all want to believe. 202 . they seem unimportant. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. A death in the family is terrible and needs grieving. or listening to good music should be enough to keep us going and to get us over daily disappointments. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. that when you look back on. A good meal.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. Now. List 2 problems that you have had in the past. spending time with friends or family.” Do you remember your first break up? No matter how sad you were at the time.
unnoticed things we do all the time. a walk in the midst of nature. friends over for lunch. I was actually a little disappointed. And going home and having a wonderful sleep. Don’t overlook the obvious in your quest for the brilliant." Morrie replies. a swim. lying there. unable to move a leg or a foot . author Mitch Albom visited a former professor.how could he find perfection in such an average day?" Then I realized this was the whole point" (p.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea. In a chapter entitled We Talk About The Perfect Day. So average. dancing. at the end of the day what is truly important may be the simple." he is asked. "It was so simple.Enjoy the journey In the best-selling book. talking with people. Tuesdays With Morrie. Albom asked Morrie a question: "What if you had one day perfectly healthy .. After all these months. 203 . "That’s it. 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.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. "That’s it. going out to a restaurant for supper.. Morrie.
Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else. The people who succeed find reasons why they can do something. Some people complain about going to work when they work in beautiful air conditioned offices. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. In other words. Don’t make excuses find solutions and make it happen. the people who fail find excuses for why they can’t. I know successful people who are making it big in things they don’t care about. I think people are 204 . better yet.” -Brad Turk Appreciate what you have and don’t complain and make excuses. It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated. 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. 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. it won’t feel like work. In the process appreciate what you have and enjoy it. Think about a handicapped person who was born with a disability yet despite their struggles are making three times more money than you are because they are working smarter and harder. But I do agree that passion helps. there is always someone with less doing more than you.
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. be stimulated and enjoy life…. then look hard to find something you’re passionate about and consider a career change now. 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. My suggestion is that if you have a good job for which you don’t feel a lot of passion. Sometimes the ends do justify the means.” At least that’s the way I am. He hardly noticed the leaves turning colors outside his small window. There is a story about a young man who wanted to become a famous writer. 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. Try to create an external world outside of your business that enables you to have fun. 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.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. You can do that. Then one day he 205 . If you can’t stand doing what you’re doing. 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. he locked himself into his attic office and plugged away. But whatever you do. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. see your job as your vehicle to get you someplace else. In fact. Day after day.
The moral of this story is that success by any means doesn’t always “mean” success. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. in checking the mail.” Ironically. the man went downstairs and was amazed by the quiet that filled his whole house. Renew your energy.m. the man. Again. List 5 things that you are going to do to ensure that you are enjoying your journey through life. now middle-aged. If you are stiff and focused on a goal and have such blinders on 206 .Lifemoney waited for his small daughter to bring up the mail.. As he got angry when she did not bring the mail at exactly 2 p. and have moved out. Goal Achievement Exercise Z Take out your Workbook. the object is to make your life enjoyable. Better luck with your novel. Walking through one room after another. But it had cost him far more than he had ever imagined. they were all empty of his family and furniture. found a publisher’s letter saying that his book would be published. Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. It could be a ten minute break to get a cup of coffee and stretch or it could even be a week off to take your mind off things and have some fun. Don’t stop yourself from relaxing and recouping. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to.
and how to really enjoy the ride. you’ve gone a long way to deciding where to spend your free time. If you’ve figured out what you’ll miss the most when you leave. As life is moving by at warp speed we ask ourselves over and over again: How can I have the best life possible? It’s not an easy question to answer. play hard. Take the time to smell the roses. the small everyday things are the things you’re going to miss the most. you are missing out. It goes by both very fast and very slow. My motto is work hard.” -Anonymous 207 . You need to have a balance. and sometimes the answers you generate for yourself are wrong. Lifemoney Currency “Enjoy life. This much I know: success without enjoying your journey through your days is pretty worthless.Enjoy the journey that you are letting life pass you by. There’s plenty of time to be dead. Patience and Enjoying the Journey Summary Life is funny. I want my rewards as I go along. I don’t want to miss out on life to get my reward someday in the future. because when you’re finally done and outta here.
and plan for tomorrow as if you were living forever. _____ 4. _____ 5. I will have urgency in my work and patience waiting for my results. I will take time to stop and smell the roses. _____ 3. I will practice the 5 Year Test I will not stress over things I can’t control.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. I will take a break from time to time to rejuvenate and enjoy my life. I believe my day to day efforts will have an effect in the long run. I will find something positive out of everyday. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 2. _____ 10. and then tally your score. _____ 1. _____ 6. I will break goals into pieces and patiently work on one piece at a time. _____ 9. _____ 8. I will not take for granted what I already have. _____ 7.” -Brad Turk 208 . I will not wait until it is too late to enjoy my life. Lifemoney Currency “Live today like it was your last day.
101 Affirmations 209 .
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