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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....
..........................17 Global Business Solutions.......................................................24 Overview..........32 Win Life’s Lotto (Real Wealth is Measured by Achievement.............................................................................39 Who are you? ...............................................................................................................................................53 Can You Dunk?................................................................................................................................................................................................................................................................................................................................. Inc....................................................27 Find the “U” in “SUCCESS” ................10 Knowing Myself............................................................... Inc......................................................................................... Too!................ Retired by 35: What Lifemoney Means to Me...........37 Lifemoney Lesson # 2: Knowing Yourself .................................................................................................................................................................................................................................................................................... .....................................................................................................................................................................52 A Fish Story .....................................................com ................50 Goal Achievement Exercise E ..36 Millionaire’s Checklist: .........................41 Goal Achievement Exercise B ..................13 Getting Focused........................................................................................................18 Heat Wave Tanning.......................................................................................................................................9 Looking for Motivation ............................................................................ / MyMusicSite................44 What Are Your Limitations?..............................................47 Get Rid of It! ....................38 Sometimes It’s Better to Strike Out ...........................................24 Success on Your Terms ......................................................Table of Contents Introduction: Millionaire by 30........................................................................................................................................................................................................15 This Was Only the Beginning ....................................................................42 Goal Achievement Exercise C ....................................24 Want to Succeed? Sleep Late!..............39 Don’t Be a Stranger (To Yourself)..............................................48 Buy Stock in Yourself ......................................................... 6 Overview.....................................................................................................................................................................................................................6 My Early Years ................................8 Persistence Pays Off .........................................23 Lifemoney Lesson # 1: Defining Success.....................................56 v .......................................................... Anyway? .....................11 Learning About Business...................................................................19 Self Made Records...................................28 WHOSE Dream Is It................................................................21 …You Can Do It....... ............................................... Inc....................................................................46 Goal Achievement Exercise D...............................................................................................................................................................................................................................................................................33 You Are in Control........6 If I can do it… ................................. Not Cash) .......................................31 Goal Achievement Exercise A...........................................34 Defining Success Summary ..............................................Find More........................................................ 1 My Lifemoney ................................................................................................................38 Overview..................................51 Make Less ..................................
.....................79 Lifemoney Lesson # 4: Gathering the Tools for Success...............................................................................................................................................................................................88 Goal Achievement Exercise L .......................................83 Goal Achievement Exercise K..................71 Three Huge Obstacles..................................................................................70 Goal: To pilot my own airplane ............................................................................................................................. 101 Progress Report ....101 Overview.........................................................................................................................................98 Millionaire’s Checklist: .66 Goal Achievement Exercise I .......................92 Tool #5: Do or Die Trying Commitment....................................................................................................................................................................................................................................................................................................................................................69 Goal Achievement Exercise J ......................................................................................... 114 Millionaire’s Checklist: ............................ 116 MacGyver It!................................60 Start by Writing a Goal.....................................................67 Nothing Can Stop Me Now…...61 Establishing Action Steps ...............................................................................95 Gathering the Tools for Success Summary........................................................................84 Tool #2: Time Management .................................................................................. 116 Can’t Get a Job? Buy the Company! .................................................................81 Tool #1: Focus .....................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles.......................................................................................................................85 Tool #3: Efficiency ................................. 110 Goal Achievement Exercise N.......65 Write It Down ............................................................................................................................. 101 Don’t forget the map! ................................................ 111 Evaluating Your Progress Summary ................................................................................ 100 Lifemoney Lesson # 5: Evaluating Your Progress ................................................................................59 Overview................................................................................................81 Overview......................................................59 A Quick Review ..................................................89 Tool #4: Priorities.............................72 Goal-Setting and Overcoming Obstacles Summary............................................................59 Step Up ....81 A Successful Person’s Tool Belt ...................................................................57 Millionaire’s Checklist: ............................. 103 Goal Achievement Exercise M ..................................................................................................79 Millionaire’s Checklist: ....................64 Goal Achievement Exercise H......................................................................................................................................116 Overview....................................................................................................................................................................................................................................................................... 107 O......................................................................................63 Goal Achievement Exercise G...........................................................................................................Knowing Yourself Summary .................................................................................................................................................................................................................................................................................................................................................................................. 118 vi ................................................................................................61 Goal Achievement Exercise F ............................................ 105 Maintaining Your Course ................................................What If You’re Way Off Track?...........................................................................................K…..................................................................................63 Timelines ............................................................................................... 115 Lifemoney Lesson # 6: Resourcefulness......................................................
...................................Best Case........................................................... 164 Millionaire’s Checklist: ............................................................................................................................................................. 169 Goal Achievement Exercise T ......................... 189 Sacrifice Summary ............................... 125 Goal Achievement Exercise O............................ 137 Millionaire’s Checklist: ............. 179 Millionaire’s Checklist: .........................Fix It .......................................................................................................... 175 Eliminate Negative Self-Talk....................................................................................................... 195 vii .................................................................................................................................................................................... 131 Millionaire’s Checklist: ................................................................................................. 151 Turk’s 12-Step Plan for Bridge Building...................................................................................................166 Overview..... 170 Don’t Complain ................ 135 Goal Achievement Exercise R ............................................................................................................... 147 Lifemoney Lesson # 8: 12 Steps for Power with People..................................................................................... 122 There’s No Need To Grow Up.......................................... 132 Lifemoney Lesson # 7: Creativity ........................... 166 The Multi-Millionaire Blues ......................................................................................................................... 177 Goal Achievement Exercise V........182 Overview.....................................................................................................................................................................You’ll Find It ................................ 167 Change the Mental Channel................. Do It! ............. 183 Sacrificing for Success ........... 133 A Lesson From Trump ................................ 133 Goal Achievement Exercise Q............... 181 Lifemoney Lesson # 10: Sacrifice ................................................................................................................................................................................................. 182 Borrow................................................................................................................Keep Looking ................................. See It.. 185 Goal Achievement Exercise X........................................... 194 Millionaire’s Checklist: .................... 176 Create a Repeatable Success Thought ........................................................................................................................................................................ 127 Find An Expert ...................................................................... 165 Lifemoney Lesson # 9: Positively Thinking ............... 128 Goal Achievement Exercise P .............................................................................................................................................................. 149 Goal Achievement Exercise S ....................................................................................... 184 Goal Achievement Exercise W ................................................ 175 Keep It Moving ................133 Overview....... Go into Debt and Max Out Your Credit Cards .............. 135 Dream It........................................................................... 178 Positively Thinking Summary ........................................................................................... 137 Five Creativity Factors ................................................................................................... 174 Worst Case ..................................................................................................................... 152 12 Steps for Power with People Summary .................................... 149 Sharpen Your People Skills ..................................................................................................................................................................................................................................................................................................... 130 Resourcefulness Summary............................................................................................................................................................. 171 Goal Achievement Exercise U.............................................................. 173 The Key to Success? Live Out Of Your Car.................................................................................................................................................................................................................................. 166 Where’s Your Head At? ........149 Overview...........................................................................
....................................................................... 201 Goal Achievement Exercise Y......................................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey ............................................................................... 200 Enjoy the Journey.....................................................196 Overview.................................................................................................................................................................................................................................................................................................................................................................................... 198 So what should you do to be more patient? ......................... 208 viii ................................ 201 The 5 Year Test . 202 GOAL (Go Out And Live).................................................................................................................................................................................... 196 Mañana .......................................... 204 Goal Achievement Exercise Z ......................................... 207 Millionaire’s Checklist: ......................................... 206 Patience and Enjoying the Journey Summary................................................ 202 Seek Happiness in Simplicity ................ 196 Doing Time ..........................................................................
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. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. Money is simply a tool to help you get what you want out of life. 1 .” -George Foreman Life comes first. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first. Lifemoney will help you understand what success really means and teach you how to attain it. it’s at what income.Introduction: Millionaire by 30. new entrepreneurs perfectly – but can be adopted at any age. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how. not money.
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.000 in quarterly bonuses.400. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. Would you use your shoe? Would it work? Possibly. if it’s money that you’re after.One of the most unique features of Lifemoney is that it’s entirely personal. It could be $240 a week or $240.000 a year or $2. In this book. Part self-help. it’s not the dollar figure I define as Lifemoney that’s important. it’s not the job that I feel is prestigious that matters. part financial management. If it’s career happiness you’re looking for. Imagine having the task of hammering a nail. 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. part how-to. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. it’s the dollar figure you define. a new job or just a raise or promotion in your current job. But how much easier would it be using a hammer? Lifemoney is a hammer: it teaches you how to realize your goals and become a happier person by using the right tool for the right job. it’s the job that makes you happy on a daily basis or brings you closer to your goals. For example. be it a million dollars. yet most people don’t use the correct tools to get what they want. a new home.
I have distilled those attributes. Whether you are looking to be the next pop star or the perfect housewife. let alone both? I was a millionaire before the age of 30 and retired soon after. not just financial. Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . It offers a set of tools. If you learn these lessons – and actually follow them – you can and will succeed. there are common qualities. The exercises in the book 3 . Instead of concentrating solely on the financial aspects of making your first million. My schedule and time belong to me and I do what I want with my days. some executives. My definition of success is simple: Accomplishing what you set out to do. This book will show you what those characteristics are. But more importantly.). 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. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. I am living the life that I want to live. I have been fortunate enough to learn that most successful people share a lot of the same attributes. used them for my own personal success.most of whom happen to be multimillionaires. and want to share them with you. along with real-life examples you can use to plot your course for success. etc. Through my interactions with many successful and famous people (some recording artists. So who is Brad Turk and why am I qualified to write a book about life or money.My Lifemoney WANT. characteristics and personality traits that you will need to get you there.
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. you’ll find ways of: • • • • • Understanding what success means to YOU Matching what you want with your abilities Learning to go after goals by setting specific tasks with timelines Learning how to focus. In this book.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. see what works for you and. While reading Lifemoney you will become familiar with these attributes. as a result be able to adopt them to fit your needs to reach your goals and attain the success you’ve always been looking for. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation.
com.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. Feel free to use mine – memorize a few of them and repeat them to yourself when you feel like you’re not making progress – or add some of your own.bradturk. Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs.com (Code: naNtZB). This checklist will help you quickly see if you are developing the skills that were discussed in that lesson. Everyone needs some kind of stimulation and/or support to keep their spirits alive. These proven tools are specifically designed to help you plot. What’s the answer? Lifemoney. 5 . list and track your progress. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it. 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. The higher your score – the higher your Lifemoney skill level. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. I have created a list (that I use) of affirmations that you can also download for FREE at www.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. Clearly. 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. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement.
salesman. I’ve found the American dream and retired early. Through experiences as diverse as being a break dancer. If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. actor. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself. I achieved personal and financial success through various ventures in the telecommunications industry. entertainment field and having a 6 . rich and retired. business owner and entrepreneur. Over the course of my very short professional life I’ve achieved the American dream: I’m young.Lifemoney My Lifemoney “It’s never too early…to make your first million.” -Brad Turk Overview I want to take just a few pages to introduce myself.
My Lifemoney retail tanning salon. These lessons can be learned by anyone. All the successful people I discuss throughout this book including Warren Buffett. Diddy and even myself have been “taught how to fish” at some point in their lives. and if you’re willing to be my student for just a short time I can show you how. You’ll never need to go hungry again. Give someone a fish and they eat for a day. Instead. boat and everything you’ll need for a life of accomplishment and success. It’s not that hard really. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. adapting the rules of success to your personal situation. teach them how to fish and they eat for the rest of their lives. I have used the attributes I describe for you in this book over and over again in many different businesses – all with the same successful results. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. whether it was through direct interaction with a mentor or learning from other sources. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success. It is often hard for us to look at a Russell Simmons or a Donald Trump and think we could ever attain that level of success.com arena or hit the lottery. Think of the old story about giving someone a fish or teaching them how to fish. That’s what Lifemoney is all about. Consider these lessons to be the fishing rod. Not all of these successes share the exact same 7 . 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 did not strike it rich in the dot.
I got heavily into break dancing. (Oh. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . you can see the learning process I went through and how I overcame obstacles and dealt with adversity. You can always come back to me later). By the time I was in fifth grade. I won’t be insulted. She kept right on plugging away with her 3 jobs. When I got to junior high. That’s where I first learned about work ethic. though. new neighbors. In addition. my mom and I had moved to Forest Hills. There were new surroundings. rapping and acting.Lifemoney attributes. 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. It was a much nicer neighborhood. 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. and by the way. New York. best of all. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. and she was a tremendous teacher. new friends and. New York. I learned these lessons by reading books of successful people and from my peers. Mom didn’t let it stop her. but they usually have a lot of similarities. new opportunities. and no money. 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. 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.
dealing with people. and I began going into the city (New York) for auditions to try breaking into the business. For starters. a renowned child talent group. a huge child actor of the time 9 . and thinking outside the box. I followed directions exactly and sent my headshot along with a resume to one hundred agents. But the first rule of success I learned was to work around your obstacles. The first agency I visited was Schuller Talent. I bought a reference book called The Ross Report. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. They represented such actors as Emanuel (Webster) Luis. not easy. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. Frustrated by the lack of response.” The do-not-call rule was strongly enforced. which listed talent agents. I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. Persistence Pays Off To make it in the acting field you need an agent. as well as how to contact them. Most emphasized the boldface message “not to be called or visited. I’ve always been a hustler. This is when I first began to learn about the value of persistence. as you can imagine. I sent the package out to the same agents two times but didn’t get one response either time. In fact. the only way to contact agents was to send query letters with photos and resumes. Actually. Since my working mom didn’t get home until late I would go alone by train. I decided not to sit around and wait for something to happen. not succumb to them. Finding an agent to represent my efforts was. To follow my dream I had to overcome several obstacles.My Lifemoney industry.
going out near the door where the other woman had been listening. auditioned. I returned the following week. As a result. I thought that she was listening to what was going on. I didn’t do very well in high school. 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. who was extremely nice and reassured me she would get my packet into the right hands. I told her I just wanted to make sure it got into the correct person’s hands. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. and signed with Schuller for representation. Looking for Motivation Unfortunately. and found the success I was seeking. Had I continued to wait for calls that never came. Not surprisingly. I turned to leave. After thanking the secretary. I continued my conversation with the secretary. I might not be where I am today. 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. From the corner of my eye I noticed a woman standing in the doorway. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. and when I did show up I didn’t pay much attention. I barely 10 . I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. She followed me out and introduced herself as “Davina.” the agent in charge of the group that I wanted to join. I set out to get answers to my questions. Hanging out with my friends and social activities seemed more important.Lifemoney and Danny Pintauro. I often skipped classes.
88 grade point that term. I learned early on that being a struggling actor was not for me. It was a great lesson: Not all of success is flashy and easy. I applied for a double major in business and theater and. I decided I didn’t want to end up stuck with no way out. And. My father had resurfaced in my life to pay for college. I earned a 3. 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. Knowing Myself In time I would become a very successful entrepreneur.My Lifemoney made it through. Through hard work. the odds are severely stacked against huge financial success.92. If I was going to “screw up” like I did in high school. After getting in. I realized that my next job was staying in. and was eventually inducted into the Phi Eta Sigma national honor society. using my acting resume. they didn’t want to pay for it. The following semester I got a 3. The only thing to be decided was how I would get where I wanted to go. Although you can make a good income from acting. I changed my habits and learned how to be a student. they explained. 11 . I was looking to make a lot of money and enjoy nice things. I got accepted. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. With this pressure from my parents. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. For these reasons. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. But he and my mother told me that they would only support me if I did well the first semester.
I could see the moment in that restaurant as a turning point. But before I fully ventured into business. the music industry does not often accept unsolicited 12 . Looking back. I still had some entertaining left in my system.Lifemoney I remember meeting a good friend of mine. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. When he only ordered soup. But his limited income made it clear to me that this was something I did not want to do.” I bought his lunch that day. I spent the last years of high school and beginning years of college working toward that goal. I knew myself and knew movie stardom wasn’t the right route at that time. When it came to making money. I wanted more of a sure thing than acting. 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. That could have happened for me but I knew in my heart it wasn’t MY reality. the sacrifice has paid off. I asked him if he was going to order anything else. as with acting. So I took a different route and it has paid off for me. He answered. It was a real education. For him. I sent out many demos to try and get people interested. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. But. “It’s cheap and it fills me up. a struggling actor. As with my junior high acting days. Today he’s a successful actor who can go anywhere and order anything he wants. for lunch one day. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you.
I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. I was chosen as a semi-finalist out of 500 entrants. let alone were successful at it. Although I didn’t win the contest. I recognized the value of this attribute and stored it away for later. In 1991. even when you’re going against the grain. If the artist believes a later recording is similar to his or her music. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. In fact. Learning About Business In addition to finding some measure of success in the entertainment side of music.My Lifemoney material. I entered the Pepsi Rap Up the Summer Contest. you need to work in it. I kept working toward my goal of becoming a rap artist and trying to learn the business. co-sponsored by 98. I knew 13 . My goal was to get noticed and possibly get someone interested in working with me.7 Kiss FM in New York. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. I sent in my tape. I also tried to learn the business side of the industry. This was pre-Eminem and not too many white people even listened to rap. It was validation that hard work could pay off. A key lesson I learned was that if you want to understand an industry. This is exactly how you build Lifemoney. I got a job as an intern (for no pay) working for PolyGram Records. a lawsuit can result. even for free. 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. In this world you have to take opportunity where it comes if it will help you achieve your goals.
and the men and women behind the talent the producers.” along with my demo tape. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. The access I got taught me lessons I could have never learned anywhere else. learn it from the ground up. For example my rap name was “Sneak. “I just want to get my foot in the door. It paid off. If you want to work in politics. volunteer for a campaign or move to DC.” I once sent a sneaker in a box to a record label with the note. And always be resourceful. The following year I released “That’s Evil Man” on ZOO Entertainment. both the stars . 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. mixers. There are more important things than money in this world. Basement Records. You might find it’s not what you expected it to be.the talent . But it’s all valuable. If you want to learn a business. picked me up and got me signed to BMG for distribution. It’s important to understand what you are getting into before you are knee deep. feel free to import ideas from wherever you can find them. my targets would be curious enough to open it rather than throwing it away. I figured if I sent a package. Door after door was being closed to me. It was one of my earliest stabs at being resourceful. and access is one of them. a recording label. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . agents and managers. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. BMG. It worked. if you want to someday own a bar you should work at a few for a while to learn the business.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. For example.
It is a difficult business to really make money. That’s a hard truth to see from the outside. actualizing my goals and watching them come to life. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. Eventually it went to number 27. Getting Focused Looking back on it now I can see all the stair steps that were being put into place for my ascent to success in telecommunications and various other ventures. It didn’t stop there.” Next Plateau. But like 15 . Money provides those things. The music business seems glamorous. 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. It was an exciting time. I needed the sense of security that comes with a regular income and the knowledge that I would be able to pay the bills and live a comfortable lifestyle. 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. But the truth is making money is hit or miss and is more often just smoke and mirrors. While I enjoyed working in the music industry.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. 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. PolyGram Records. 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. You see – I already understood that making money was a priority for me – an important goal. but in reality there are very few people that make it big – and make the big money. which I did. for more reasons than just getting airplay. In 1994. I was finally seeing a dream come true.
I could make even more money. After leaving college. I decided to make business decisions that would bring me closer to where I wanted to be. I decided to take my hustling a step further. Unfortunately.Lifemoney most young people I didn’t understand what was going on. I understood the insurance office management job completely. Not to sound conceited. The branch owner wanted to train me to sell life insurance. In addition. the branch focused on selling long-term care and retirement planning. Also. I took over a job for a friend as an office manager for a life insurance company. I did not have a wife or family. so I pursued this opportunity. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. I saw that real estate was more suited to my personal goals at the time. but it was apparent that I was a tremendous asset. For one thing. I did not find that product to be a perfect fit for me or my personality. 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 guess what? I started making more money working part-time than at my day job. I was interested in sales. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. I decided to 16 . How did I do that? I started selling real estate at night. Becoming successful. I went so far as to get licensed to sell life insurance. Imagine what a retiree would think about a guy that appeared to be 18 years old providing advice on retirement! Recognizing that only true passion creates true results. I figured if I spent more time on my part-time real estate job. and could not fully understand or relate to getting life insurance for protection for other family members.
Best of all. I began to learn about the importance of defining success for myself. I also promised him that the quality of the work would not change. I didn’t know it at the time but I was to go through many more experiences that taught me how to build and run successful businesses and be happy at the same time. and I went from initially working five days a week to just one day per week. the one you’re probably most interested in. instead of just quitting I told him I could do the work in one day that I had been doing in three. making my own way and even started knowing myself and where my real talents and desires 17 . 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. and there was a lot more to learn. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. at the same pay.My Lifemoney leverage all that. 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. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life. For example.” It was a risk to leave the security of a full-time job. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly. my gamble worked! Eventually. You never know what people are willing to do – or what you can accomplish – until you try. I made sure I did everything efficiently and wasted no time at all. This would permit me to have two more days to sell real estate. He reluctantly agreed on a test basis. I guess the company trusted me enough to give it a shot. When I went to my boss to resign. But my education was just beginning.
18 . Inc. resourcefulness and creativity. It was basically a mini-version of one of the larger telecom corporations. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money. dealing with people – especially difficult people.07. evaluating my progress. sacrifice and patience. 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. like actual cash. 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. By my second year.086. I’d learned that when the big companies couldn’t supply a product. I became one of the top salespeople in the nation. and I didn’t hit it big with the lottery. but the skills that were created in me were worth more than cash. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal.Lifemoney were. they bought it from someone else and still sold it as theirs. 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. Rather using the attributes I list for you in this book I became successful in project after project and business after business. I was not an overnight success story. Especially patience! It was a lot for a young person like me to absorb. At MCI. I used them to create many business successes. But I still had to learn about setting goals. Global Business Solutions.
19 . I saw what the needs were and I fulfilled them. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. remain loyal and protect them as much as possible. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. Heat Wave Tanning. 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. I eventually contracted with many providers. I let the customers guide my business. Inc. One of these areas was in the pre-paid calling card business. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. lower to the ground and closer to the customer’s ear. it’s harder to tell which came first. Sometimes you go searching for new opportunities and other times opportunities find you. you or the opportunity. allowing me to sell anything the big boys sold – and better – because I was smaller. I understood that customers loved a one-stop shop. the customers would want you to do everything for them.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. and seeing niches before everyone else. If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. When you’re always on the lookout for something new.
and might one day do again. The tanning business was a big change for me.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. That is true. grows us. 20 . Better yet the business seemed as if it could run itself. After more research (and imagining that operating that type of business would be fun). I researched the business and found out that it was a very low maintenance business and pretty profitable. and I decided that I didn’t want that kind of responsibility. It is definitely a great business that I would highly recommend. So I kept the business for two years. and managing customer issues just didn’t do it for me. A telecom business like GBS was more “virtual” than brick and mortar. Besides. It was exciting. managing ten employees. This was a different venture from my previous forays in the world of small business. It was like having a puppy at home: you never felt comfortable being far away for very long. building the place from scratch. maintaining equipment. and prepares us for the future. Change is good. made my money and then I sold it. and Heat Wave Tanning was really a great business and a great opportunity in my life. I told myself: it stretches us. which was a huge plus for me. I decided to open my own tanning salon. I saw a line outside of the place and was wondering what they were giving away. It turns out that people just were going in there to catch a tan. But I felt I was ready for that. I could manage most of it via remote control. The tanning business though was more hands-on. But I was discovering that retail businesses require a lot of time and attention. through phone calls and faxes and emails and downloads and uploads and the occasional face to face.
with little to no risk and helping others all at the same time. I am sometimes surprised by all that I have accomplished in such a short time. Self Made Records. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. For Self Made Records. And what’s best is that I can afford to be patient. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. That makes me happier than I can possibly describe to you. no limits and 21 . It was a lot of work but it has been gratifying beyond words. friends and family while providing a marketing platform for them to make their dreams come true. I have been launching companies left and right. / MyMusicSite. I am now in the process of coding and developing mymusicsite. But I can afford to do this because I love it. I signed some artists to my label and I am currently marketing and promoting them. Inc. 2007. I will make independent artist’s music easily available to their fans. and My Music Site. set to launch in the fourth quarter. but on my terms.com.My Lifemoney Self Made Records. Inc. in reality I’m busier than ever. I am doing what I love. And I love it! Why? Because I’m sailing my own ship with no boss. 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.com are both my hobby and business. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. Now I was a successful entrepreneur. although I brag about being retired. looking to blend business with pleasure. Inc. Later I was a college graduate looking to intern for a major hip-hop record label.com Sometimes success comes full circle. In 2007.
com). I am also providing a marketing platform for these artists who want to make their dreams come true.tellbrad. 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. Lastly. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. I will 22 . In addition to that business. We will make independent artist’s music easily available to their fans. break dancing on street corners and hustling for business opportunities. phone. friends and family.com) and is a retail conference location /coffee shop. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee.com). I just launched TellBrad.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. This is a free website that gives the consumer a voice and enables them to be heard (rant/rave/leave video complaints) to both other consumers and the companies they speak of.com (www. specialty beverages. satellite television. In addition to being its creator. and snack items.mymusicsite. Meeting ExpressO will provide full access to conference rooms which include internet. I am also in development on another site called MyMusicSite. and business services. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”.com (www.meetingexpresso. The business is called Meeting ExpressO (www. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. In addition.
Learn who you are and what you want. Work on the activities. I’ll tell you how you can do it too! While my story is different from yours and from that of other people. Lifemoney Currency “When life hands you lemons… make lemonade. Instead of sitting around thinking about what you want. sell it on the corner. And go for it! No excuses. Stayed tuned and look for my name in the credits! …You Can Do It. invest your profits and. when they mature.My Lifemoney also receive co executive credit and be involved with development of the project. Keep score of your successes and failures. I have found the common denominator for success. go by some oranges! (Orange juice outsells lemonade by 10 to 1. That’s why I’ve written this book. adapt the principles described in each of the upcoming lessons.)” -Brad Turk You can do it too! 23 . Too! I began this lesson by declaring “If I can do it…” without finishing the statement. I will show you how to understand and learn a unique set of attributes you need to become successful. Now. Lifemoney provides you with the tools you’ll need to reach your own unique potential.
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. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. My first friend. pure and simple. In this lesson I want to show you the importance of deciding for yourself what success means to you. Success is never a game of chance and begins with clearly deciding what you are going to make happen. John. as far as I know. has never cracked the seven figure mark and. is in no danger of cracking it anytime soon. Still. two very different types of success stories. These are the stories of two friends of mine – John and Steve .and though totally different from one another they illustrate what I mean by defining your own success. some might consider him rich 24 .
They think that he is not responsible. John’s parents also enjoyed him being there. he just took it as a joke. I have another friend. just as important. He is truly happy with how his life turned out. Steve. John told me that he was really happy with his life. knows what success means to him. I have to confess that I kind of agreed with them.and shouldn’t . he has a big smile on his face. Then one day we were talking and John really opened my mind to something. he helped them out a lot and felt that his support was needed around the house. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. who on the surface would probably look extremely successful to outsiders looking in.push your idea of success on anyone. 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. All of my other friends make fun of him. he also said he was happy with his job. He made enough money to live on his own if he wanted to. Most days he didn’t have to go into work early and he got to sleep late. he is successful. It didn’t bother him what everyone was saying about him. He needs nothing else to fulfill his dreams. who is over 30 years old. He has a beautiful boat. has no ambition and is going nowhere. He told me that every night that he goes to bed. To me. John.Defining Success beyond compare because he knows himself and. While talking about the future. lives with his parents. He did it his way. He told me he was still living with his parents because he liked living with them. several sports cars and a very 25 . You can’t . From a professional perspective. he found his own success and it works for him.
not from without. Have you decided what your mark is? 26 . It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. just so he can try to keep up with payments so that he does not default on anything. He also has to work harder than anyone I know. The truth is that Steve lives way beyond his means. you have completed Lifemoney Lesson # 1. Why? Because they both hit their mark. Most everything is owned by the bank and it seems every time I talk to him. he is in a world of hurt. Once you define what you want and know what will make you happy. he canceled the invite because he was actually selling one of the cars. Does this sound like success to you? It might. Before the weekend came.Lifemoney nice house. My definition of success comes from within. Being that I know this friend well. He is actually so far in debt that he does not really own anything he has. Steve thrives on the adrenaline of living on the edge. He is always making maneuvers to try and maintain his possessions. He is always stressed and always in fear of losing something. The weekend that he canceled our trip to the track was because he had to sell one of his cars to make his mortgage payment. I 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. Some people thrive in that kind of stressful environment. I remember one weekend he invited me to go to the track with him to “play” with his cars. These men are both successes. This is success for him.
It becomes yours. you own it. 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. Success takes personal planning and some work. With the exception of my friend John who I just mentioned. I think this is important because I see so many people who spend their lives wandering. we all want more out of life. fad to fad not really knowing what they want and drifting with the flow. Why do they do this? They bounce around because they’re not prepared to 27 . we are on a journey without a map. They subscribe to magazines they never read.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. strategy or plan they stick to in order to reach their ultimate goals. For the most part. Like fingerprints. They buy gym memberships and never use it. Success means different things to different people. Although some people get lucky in attaining success. our definition of success will be individual and unique. What works for some doesn’t work for others and what works for me might not work for you. get more and be more. They start up home improvement projects and don’t finish. When you define success and what it really means to YOU. When you define success for yourself. We have no control over our path and our lives can become haphazard. They go from idea to idea. If we don’t define success for ourselves. most successful people (whether consciously or not) have a system. you’ve taken the first step to taking your life back. But becoming – and staying – successful can be tricky. There’s simply no future in succeeding for anyone other than you. most people are still on their quest for success. trend to trend. No matter your net worth or social standing we want to do more.
” . By starting your journey with a firm grasp of your meaning for success. They live undefined lives. look past that next job promotion or future company you plan to build. Desire is the planting of your seed.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now.” Plant your own personal seed for success and watch it grow. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily. for you. you will be fully able to reap all the benefits that await you. What is it you really want? What. author of Riches Within Your Reach: The Law of the Higher Potential once wrote. “The first principle of success is desire – knowing what you want. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. 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. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . As Robert Collier. You should live your own life and live up to your own expectations. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. and those are the only things I really care about it.Lifemoney take full action. See beyond money and its trappings.
He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. What would make you happy? We all define success differently. but successful people have taken the time to really think about their definition of success. 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 has spent her whole life making sure her grades were in order to some day get into a good medical school. He has lived in the same house that he purchased for $31.” It works for the second richest man in the world. Let’s take. She sacrificed many nights of going out with her friends and having fun in order to spend more time studying. He does not really have any extravagant items like a fancy race car. This is a man who could do anything and have anything and is content to sit home and watch a ball game. With all of Buffet’s billions he has always led a simple life. billionaire Warren Buffet. a 22-year-old student who has just received her acceptance letter into the medical school of her choice.500 over 48 years ago.Defining Success “All I want is to have people around who love me. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). for example. yacht or even a boat. She’s successful! 29 . He is doing what makes him happy. She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams.
Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. they have not missed out on anything they’ve wanted. He’s been a total success. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. Months of preparation and training pay off for this guy’s single-minded determination. Then there is the couple that. his self-esteem and confidence increase beyond measure. father. Each of these people has achieved success. I call that success on their terms. agreed the wife should give up her job when the children came along to provide a stable home life for all. That man is a happier husband. 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. along with nutritional meals and emotional support. Living off just the husband’s income has not been easy. While his finishing time does not win any medals. they have been able to stash enough away to enjoy an early retirement and see the world. While avoiding expenses like costly entertainment or expensive vacations.Lifemoney A 39-year-old business executive runs his first marathon. 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. and employee – or future CEO – because of this personal accomplishment. have resulted in two stable children with above-average grades and well-adjusted social skills. upon marrying.
love what you do. Over time. As you see in this example. Even though everyone usually has a different idea of what success means to them.” . If your parents are pushing you to become a lawyer. leave the world a better place.Jeff Mallett 31 . you might become bitter or resentful. what they all really want is personal happiness.Defining Success WHOSE Dream Is It. That’s why. you can begin to set goals on the road to success. It really isn’t what you have or who you are that makes you happy or unhappy. It is how you view your situation that makes all the difference. While it’s a good idea to talk to your family and others who may be impacted (say. 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. Lifemoney Currency “Do what you love. 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. So let’s figure out how you define success. So once you have an understanding of what will truly make you happy. That’s why it is important to understand your priorities clearly. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. but you don’t really want to. you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. in Lifemoney Lesson #2. I believe the common denominator in true success is happiness.
com. You can use a three-ring binder. 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. Once you have this in place. 32 . so make it handy and easy to access. read over your ideas. the hallmarks of success—money. Then start writing about your views on success. but more importantly. in your opinion. time. or download a copy of the Workbook with all the exercises from my website – www. and edit if necessary to make them readable and clear.bradturk. open a document on your computer. I am going to ask you to open this document on a regular basis throughout this book. Explain.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. set a timer for five minutes. skills. etc. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. asking yourself questions like these. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you.
too. Not Cash) Congratulations! You’ve taken a huge step. Money in itself does not equal success.4 million.” 33 .” Her hand was out. Welcome aboard a new life. What does she have to show for it now? Zippo.2 million in the Pennsylvania lottery. after declaring bankruptcy.” These beliefs about money are all wrong. Says the man who. Having come from a “no money” background. something of a statistical freak. I’d be so happy” or “Everything in my life could be fixed with some cash. “If I only had money. “Everybody wanted my money. But you just did. Ask the following people. William “Bud” Post won $16. Most people just never make the move to define what they want and where they’re going. you might find you are still unhappy. they’ll tell you: • Evelyn Adams. Her total take was $5. won the New Jersey lottery twice. It was totally a nightmare. If you were handed everything you wanted without working for it. We all do. • In 1988.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. She lives in a trailer and recounts that. It’s amazing how some people perceive money as the answer to all their problems. Completing this exercise brings up a point I think worth exploring. now lives on Social Security and food stamps: “I wish it never happened. Everybody had their hand out. I know many people with little or no money. at gambling venues. in 1985 and 1986.
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. That’s why Lifemoney is an internal feeling. and the ultimate triumph of accomplishing a mission.you miss the excitement. the challenge. You Are in Control Success belongs to those who are clear about what it means to them. but before a decade had passed. And satisfaction is more than being content. There is no amount of money in the world that can recreate that feeling of accomplishment. she had filed for bankruptcy and had just $700 in the bank. It seems to be a rule of life that if you have good things handed to you .the fruits of someone else’s labors . Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future. And accomplishing your dreams – your success on your own is very important. it’s that amazing feeling you get after finishing a job well done. To enjoy success you need to earn it. not a financial figure. That is true success – at least by my definition. Goals are not just about achievement. She shared her wealth with many charitable organizations. and without effort are not actually participating in the creation of their own personal happiness. they’re about satisfaction. I know you’re probably saying “Yeaaa. Here are several keys to keep in mind: 34 . that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993.
Others have influence over you and affect you. Most likely it will be bumpy. but your dreams are out there. waiting for you to come and claim them. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. Publisher’s Clearing House might stop by your house with that big check and.Defining Success 1. Success is not a game of chance. or it could take decades. And remember that it’s important to enjoy this journey so keep an eye on the finish line. and another. You’ve already taken the first step. together – because you made a conscious choice to pick up a book called Lifemoney. that would be incredible. Don’t put your trust in success just showing up. When you lay blame or make excuses. it’s also worth doing despite the odds of failure and cost of success. 35 . sure. until the value of moving is higher than the cost of those inevitable obstacles. Chart a course for paradise. You are here – we are here. and that might not have been easy. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. it resides in you. but don’t forget to enjoy the sites along the way. Anything worth doing is worth doing well. 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 willingly give your power away. Stop looking outside yourself or to others to explain your failures. 3. Now all you have to do is take another step. It may take months. even if the voyage looks choppy. but they do not own your ideas or lay claim to your dreams. The power to change is your own.
so don’t waste it living someone else’s life.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.” -Steve Jobs 36 . All right. If you do it for the money. Don’t feel bad at all if you’re still a little unclear about what success should mean for you. on YOUR terms for YOU to be truly happy. your neighbors – forget it. Lifemoney Lesson #2. If you let others define success for you. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. your old friends from school. you’ll always regret not doing it for yourself. That’s totally normal. If you do it out of ego or pride or greed. Success must happen YOUR way. Whoever you’re trying to keep up with – the Joneses. trust me. something WILL be missing. Lifemoney Currency “Your time is limited. success must mean something to you if you are ever to truly achieve it. there will always be a nagging feeling that something is missing. Let’s go there right now. It will become clearer the more you focus and keep your mind open.
_____ 6. I am winning life’s lottery. _____ 7. _____ 5. I will define success for myself. I will decide for myself what occupation excites me. My life is mine and I’m excited to develop it on my terms. I will look beyond money to find happiness. _____ 9. I am in control.” -Brad Turk 37 . _____ 4.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. _____ 2. _____ 10. The expectations that matter most are mine. I spend time learning what it will take to be successful in what I love. _____ 8. I will always seek to lead my own life. I am seeking my own personal growth and happiness. I hope they enjoy it because you probably won’t. Lifemoney Currency “If you live for someone else. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 3. and then tally your score.
It’s a journey that may veer off in a thousand different directions before finally coming to fruition.” by exploring who you were to determine who you are and clarify who you want to become. you will build on the first lesson of this book. “Defining Success. 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. 38 .Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. In Lifemoney Lesson # 2. great moves. but it always starts with YOU. I expect to make great plays. In my mind.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success.
a student. How many of us hover around the comfort zone of what we’re good at. This is valuable advice for many of us. lawyer. or two-time divorcee. son. someone’s parent. they don’t define you. a computer whiz. father. 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. unemployed worker. But all of these titles – husband. because he knew he had the ability to be a GREAT batter. not a popularity contest. banker – merely describe you. a son or daughter. 39 . Who are you? Who are you? That probably depends on who you ask. one of baseball’s legendary home run hitters. or a musical genius. a basketball pro. right? You might be a wife or husband. But life success is a self-test. but not without a period of introspection first.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. 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. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. He took a lot of heat for his decision because he was a GOOD pitcher. 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. He stuck with the decision. Before you know where you’re going. 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. you need to know who you are. a company executive.
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. Or maybe you were hoping to get married. If you are just starting off on your voyage to success and don’t know where to begin. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. wherever you’ve been. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. 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. you got sidetracked into making a living and getting by. when you take a moment to catch your breath and see where you are. Life has a way of sidetracking us from our goals to deal with day to day living. and maybe not even worth the effort after all. more importantly. looking back. But now. and hopefully a little wiser. you find that those dreams never materialized. the goals appear too distant to reach anymore. 40 . Whoever you are. let me help you rediscover that person again. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. day to day. whatever you’ve done. start here. Maybe he or she is a little older. Instead. instead of building the future you always wanted and. and live happily ever after. have kids. you can still find the path to your personal success if you’re willing to look for it. Then. knew you were capable of attaining.
the time I spend with family and friends. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. Lifemoney Currency “I’m starting to judge success by the time I have for myself.” -Brendan Fraser 41 . literally. What is success if you don’t know who you are inside. they’re shifting. successful. and over the next year phased out four of his five 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. or someone else was going to wind up dead!) He drove straight to his accountant’s office. restructured his organization. or maybe just busy work. In his case. Twelve months later he was happier than ever. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. but he was slowly driving himself insane. how can you ever hope to achieve. If you don’t know what will make you happy. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. less really was more. His patients and his workers loved him and he was loaded. He was a very successful physician with five private sports clinics. (Either that. It is not. My priorities aren’t amending. not the Joneses. Why? Because he was finally keeping up with himself. 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. This nice.
list your personality or character strengths. and/or specific steps you took while completing these accomplishments. “I made a wise career move by getting a better job. recognition. certificates. define a recent accomplishment by personal attributes: 1. these might include honors. Under each. For example.” 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 . In looking back on your past. Make a list of your top four or five achievements. or personal achievements. reflect on the things that worked in your favor. now you can see how you managed to win that particular prize. Even if you didn’t consciously use these qualities back then. • • • • • “I earned a college degree.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A.” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2.
like sports competitions. 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. while others could relate more to mental functions. 43 . You may even recognize the type of goals that attract you.” “thorough.” and “selective” came up in one form or another with each of the three achievements. you will get a better idea of who you really are down deep.Knowing Yourself 3. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. 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. Look for patterns forming. 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. and so on.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. Some people excel at social endeavors like arranging parties or special events. some may be more physically oriented. like academic work. You’ll begin to see how that person might emerge in the next stage of life.
Or you may be the employee that handles confidential matters at your company because the boss trusts you most. Aiming your thinking correctly requires more Workbook exercises at the start. Maybe your mom has always said you are hard working. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. You’ve just done an assessment of the qualities you see in yourself and that you find positive. you are on your way to getting there. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. You could be someone who inspires others when they go through hard times. but in the renewal of spirit. That means laying the mental framework now for the physical action you will be taking later. passion and effort.” Maybe you’ll get back that desire you once had to open a gym or start a summer camp or start taking at-risk youth groups on cross-country hikes. enthusiasm. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages. not in a religious way. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors. which shows up in words like “endurance” and “commitment” and “perseverance. Your list could look something like this: 44 . Write down the characteristics that you’ve often heard people mention to or about you. If you do.Lifemoney The world is full of born-again success stories. I would like you to make a list of the qualities others have noticed in you. And maybe your list reveals a part of you that loves physical activities and accomplishments. 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. It’s business. Now you have an even better idea of how to play to your strengths as you set up goals for the future.Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. Regardless of how you look at it. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. Since most of us do a better job with activities we enjoy. but I don’t think you can do well unless you’re having fun. Things that are fun for us are those that match with the ability to use these character traits. You need to keep this in mind as you plan your goals and how you will reach them. you’ll probably find that you are drawn to things you think are fun.” -Derek Jeter 45 . Lifemoney Currency “You gotta have fun. we’re playing a game. It’s our job.
But if you don’t admit to those limitations. you will never be able to deal with the issues that are holding you back from success. and then do a half-hearted job when you get around to them. You put things off. and moving on. Everyone has flaws! But successful people understand the value of admitting to a weakness. The machinery isn’t working right. I have a saying: denial does not change reality. “I don’t have any major flaws. You do. right? I do. I didn’t know what I was supposed to do. As long as you keep fooling yourself. Maybe you have a lazy streak (sometimes I do). Lifemoney Currency “Denial does not change reality” -Brad Turk 46 .” you’re finished.Lifemoney What Are Your Limitations? Let’s be honest. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good. I got the materials (or information) late. It’s part of being human. working around it or improving it. My mom’s cat died and I had to bury it. Everyone has weaknesses. As soon as you say. But all the while. you can get into some real trouble.
Knowing Yourself Goal Achievement Exercise D Take out your Workbook. what good is all that positive self-talk? 47 . even deciding how to invest the extra money you’ll be making. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. Now write down a few of your weak areas. These could include personality drawbacks. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. 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. like shyness or arrogance. For instance. You also can add things about your character that could benefit from improvement. you can have the best intentions in the world when interviewing for a new job. or not taking shortcuts on a project. But if you’re late to the interview. 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.
Lifemoney Successful people don’t write off damaging personal traits as “oh well. Don’t blame the economy for low profits. is useless if you don’t act upon it. They did what it took to climb the mountain of their success. Bill Gates. 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. so take action. You may want to start working on these weaknesses one at a time until you start seeing better results. don’t write it off as a cute character flaw. especially self knowledge. get rid of it. Always assume personal accountability. Knowledge. that’s just me being me. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. for their actions. and Russell Simmons didn’t earn their millions by making excuses. 48 . the minute you start passing the buck. and their efforts paid off. it’s easy to throw in yet another excuse about finding the time to make these changes. Eat breakfast on the way and tie your tie in the parking lot. they blame themselves 5. There are so many things you can do. they blame themselves In other words. they blame themselves 4. for their inactions. Don’t blame the product for being inferior. for their triumphs. Take stock of their weaknesses and work hard to improve them 2. But remember that people like Donald Trump. for their failures. Derek Jeter. for their weaknesses. they: 1. Of course. for their strengths 3. Don’t blame the weather for being late. And action means work.” Instead.
For example. Or then again you might end up on the exact same path your grandfather took a century ago. If you’re good with numbers. Maybe you’ve already tried success “your way. if you like words and books choose a different road to your success such as writing or communications. Many people have failed at that. So rather than dubbing the whole project a failure. Or it didn’t last. Google created an early version of Google toolbar with all kinds of great features. On the other hand. They treat everything they try as an experiment. 49 .com. Though it was a full blown failure. Another example was a short lived photo search engine called Riya. you can find a path—or blaze a trail—that will lead to your personal happiness. then choose something that includes some type of numbers work like accounting or investments. Using mistakes as useful information is the way many large companies are innovating. What matters is that you freely explore any path you wish until you find the one you are destined to travel. then do the work it takes to eliminate weaknesses and build on your strengths. Then be fearless about taking it. They decided to view “failures” as information sources for building new things. one of the most successful photo search engines on the web.” but it didn’t work. Whatever your interests and skills. But within weeks they discovered that their great inventions were totally useless.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. Maybe you’ll take a route that no one in your family or neighborhood has tried before. they viewed the results as useful information. the lessons learned provided the originators with priceless information which allowed them to create Like. 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.
But they know enough about themselves to know what makes them passionate and hungry. an Internet operation. France. Theme parks with the Disney name are located in the U.P. Many successes start right where you are: not knowing themselves very well and beyond broke. Disney was to fantasy what J. “It all started with a mouse. It’s easy 50 . Disney founded a $20-billion media conglomerate that includes a TV network. I’ve failed over and over and over again in my life. Consider one the top 50 business influencers of the 20th century. a film studio. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories. Starting with a little mouse. I’ve been trusted to take the game’s winning shot and missed.. And that is why I succeed. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. and a worldwide store chain. Morgan was to finance. a publishing house.S. As Walt himself recalls.” Just think of that for a second.” -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 they don’t let lack of money or support stop them. Twenty-six times. I’ve lost almost 300 games. Walter Elias Disney. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. and Japan.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career.
This is done for two reasons. it will help you understand if you are looking for success in the wrong places by objectively 51 . Stay centered on who you are and the goals you want to achieve. Goal Achievement Exercise E Take out your Workbook. Walt Disney held firm to what he knew.Knowing Yourself to imagine success when it’s already been done before. never let the world tell you that you can’t do something just because it’s never been done before. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. 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. So let me ask you again. Through rejection and derision. or building financial security. finding a life partner. such as getting in great physical shape. Remind yourself of the unique skills you bring to the process. but what if it’s never been done before? That’s the dilemma Walt faced. Two. never tell yourself that you can’t do something because it’s never been done before. One. list the qualities that you think you would need to achieve them. But more importantly. He stuck to his singular vision of himself and is now revered as nothing short of a genius. The reason for this exercise is to begin the process matching your abilities to some of the things you want. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish. landing your dream job. as well as any new talents you may choose to develop along the way. Now. failure and distraction along the way. Under each thought you write. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about.
Make Less . Understand that fortune and fame doesn’t equate to success. What remains important is that you feel successful at every step of 52 .Lifemoney highlighting what’s required for success.Find More As you learned in Lifemoney Lesson #1. 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. Why? Turns out he had Lifemoney Lesson # 2. Know yourself and double check your motivations for success. if you want to make a million dollars. you must understand why you feel a million dollars will equate to happiness. Knowing Yourself. because he knew he couldn’t be happy doing anything else. making a million dollars doesn’t necessarily mean you will be happy. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. For example. adoring women. the Hollywood Dream – and he left it all behind to risk his life and fight fires. it might not be what you expected. screaming fans. and comparing those qualities with what you deeply desire to develop within yourself. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. because when you get it. Here was a guy who seemingly had it all – loads of money. down cold. be careful what you wish for. As an example. knowing yourself and being true to yourself makes you successful. In other words.
While there. They recognize that success is a journey. today. and that to skip the rest stops.Knowing Yourself the process. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water. or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership. Although success is a worthwhile goal. While waiting for the fish to bite. detours. like “I’ll be happy when I make my first million. where they are right now. See how that works? If you say “I’ll be happy when…. the executive was impressed with Fisherman Joe’s skill and 53 .. So many of us set conditions for our happiness. The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege. the two men took the boat out on the seas. progress at any price should be more than most of us are willing to pay. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide. and enjoy. he asked the locals if there was a fishing boat that went out daily. but that he only went out to fish a few hours each day. The businessman had no problem going out for just a few hours while his own wife visited the spa. obstacles and roadside attractions along the way is taking away from true success. Ask yourself this: What happens until then? Truly successful people make peace with. Fisherman Joe told the executive that it would be a pleasure. The next day. not a destination. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii.” you’re in the conditional happiness trap. and that most of his day was spent with his wife and children.
they finally went public. Joe agreed. who had reached his goals. The two men moved the business headquarters to Los Angeles.Lifemoney ability to find the best spots to reel in a terrific catch for the day. The prosperous businessman. asking if he could cash out his shares and return to Hawaii.” The shrewd executive knew a good thing when he saw it. Working day and night was more than he had expected.” Joe replied. “After so many years. “How would you like to go into business with me. and did not really enjoy what he was doing. After a slight hesitation. Joe shrugged. Fisherman Joe went from working full-time on his boat to getting three boats. had no problem and 54 . “How do you get so many in so short a time?” the businessman asked. and remove himself from the enjoyable part of his business—fishing—he did it anyway. Soon business was booming. for the man seemed unusually humble. After five grueling years. I know their habits. Just a couple of hours a day supplies all my needs. Joe knew that being in L. truly amazed. would aid his partner’s goal of taking their company public. Finally.A.A. 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. But Joe was now worn out. He spoke to his partner.” “What do you do with them all?” the business man asked. as though he was unaware of the value of his skills. Joe decided he could not take this life anymore. Although Joe was reluctant to leave his comfortable home and family while working in L. “and take home what’s leftover for dinner. “I sell most of ‘em. The business life was not satisfying. and then working a fleet.
” the interviewer commented. and he ended up doing exactly the same thing. it is. his journey brought him right back to square one. The interviewer was amazed by Joe’s journey and the story behind his success. “Yes. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. the entire experience had been a detour from Joe’s own sense of success. what are you going to do?” Joe replied that. so I can fish a few hours a day. “I’ll get a small fishing boat. He already knew what success looked like to him. and then I am going to spend the rest of my time with my family. a popular magazine interviewed him.” Joe replied thoughtfully. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. 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. In the end. “From fishing a few hours a day to a multi millionaire. that’s quite a journey. Before Joe left.” The moral of the story isn’t that we should not try hard or set high goals. Both of them found success in completely opposite directions! 55 . This journey was quite productive. but he ventured away from it for more money. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success.Knowing Yourself wished Fisherman Joe well. and many might have found it fulfilling. But Joe found it a waste of five good years of his life.A.. It’s that you should know what you want out of life. Two very different men viewed the exact same experience in two very different ways.
unchallenging and even difficult. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. Sometimes it will take that much more work. just understand the obstacles that you are going to face. Aptitude tests can provide some insight into your talents and abilities. Is that a realistic goal for you? It was for Spud Webb. But he is the exception to the rule. and if you work in a field that doesn’t match your natural abilities. and effort to reach something that is much harder to attain. -Brad Turk 56 . Assessment testing can also help find your natural strengths. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. No one knows better than you where you feel confident versus where you feel unsure of yourself. take an aptitude test. who not only played professionally. If you don’t know where your talents lie or still don’t know what you feel you would be good at. being true to yourself and finding your happiness makes you successful. Lifemoney Currency Understand that fortune and fame don’t equate to success. you may find your work unrewarding. go for it. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. Do you have that drive? If so.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. A local community college may also offer these assessments free of charge. Certain occupations will be a better fit for you than others. These assessments are available all over the internet or by looking in the Yellow Pages. They can measure your characteristics and ability to acquire additional skills. time.
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
And they don’t allow $2 tokens . For two full days this artist could not come up with the resources for even a $2 token to get there. Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal. It is the first step of turning the thought of doing something into the reality of achieving something. His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. Nobody. He was/is an up and coming “superstar” in the music business who missed a huge meeting I’d arranged because he could not get himself into Manhattan from Queens (a quick 20 minute trip). For instance: • Goal: Starting up a home-based travel agency 61 . Mr.to side track their journey. Every successful person I know has clear goals they’re reaching for. That’s because he had more daydreams than plans.or the opinions of others . For this exercise. when accomplished. Once they decide on that goal. Goal Achievement Exercise F Take out your Workbook. would make you a happier person. Kanye West vs. obstacles became simply inconveniences to be overcome. make a list of your top 3 goals that. Now let me tell you about another hip-hop artist you’ll probably never hear about.Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. It’s time to write some goals right now. 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.
Just watch television. stronger. get started! 62 .Lifemoney o Objective: Get travel agent license o Objective: Build out basement to accommodate office o Objective: Save up enough money for expenses and a salary cushion • Goal: Opening your own bakery o Objective: Find 2 bakers o Objective: Find a location o Objective: Do a business plan • Goal: Starting a vintage car website o Objective: Find a website developer o Objective: Research cars that could be placed on website o Objective: Legally incorporate your company At this point it’s common for people to feel a little insecure or anxious about finally seeing their life goals and objectives written out. or read a book and you’ll see hundreds .even thousands of people who have applied action and planning to make their dreams real. listen to the radio. Dreams are real and they do come true if you follow this path. or better than you. that’s natural. Those people are not smarter. They happen every day. Now is your time. The problem with dreams is that we’ve dreamt them for so long. Relax. they simply learned these lessons a little sooner and applied them a little earlier. it’s often hard to see them as real.
Below each. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. Goal Achievement Exercise G Take out your Workbook. etc. Clear space for new furniture 63 . We all know that goals just don’t happen. break the list down into three or four action steps you would need to take in order to reach that objective. An action plan is just a series of steps you plan out ahead of time to take systematic action. What bridges that gap? Action steps. Let’s set up an action plan for your goals right now. Understand the testing process (where given. 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.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. Start looking into office furniture and equipment iii. Schedule exam • Build out basement to accommodate office i. Order a separate phone line from the telephone company iv. It could look something like this: Goal: Open a home based travel agency: Top three objectives and possible action steps: • Get travel agent license i. Find out construction costs for renovation ii. Research classes that offer test preparation for agent exam ii.) iii. timeframes. Prepare for exam iv.
Figure out what amounts of money will be needed to live off of while building the business iii. 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 . Sure. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable. Now you’ve written goals and some action steps that lead to the goals. 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. Successful people know that there are few assets as valuable as time. So not only do they spend a lot of time managing their time. deadlines slip sometimes and you have to readjust your schedule. Start putting away money weekly toward travel agency iv.Lifemoney • Raise and save enough money for expenses and salary cushion i. Let’s say you want to own your house debt free within ten years. objectives and action steps. but they also add urgency to their goals by making themselves accountable to deadlines.
many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. but it’s also easy not to take.Overcoming Obstacles realize that this goal does not have a reasonable timeline. and action steps. not written in stone. give yourself six months. 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. but for the most part. Schedule changes or circumstances may require adjusting a date now and then. Unfortunately. they are guides. For instance if you want to start your own bakery. If you need a year. You must schedule your goals. You’ll need to adjust. This is an easy step to take. many people leave this step out and things just never get done. but the timeline isn’t given the circumstances. objectives and action steps. 65 . be VERY realistic about your timeline. Goal Achievement Exercise H Take out your Workbook. As a result. they identify action steps. With a large goal like opening a new business. The goal is still reasonable. Let’s actually do it now. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. Successful people set goals and objectives. you should set reasonable deadlines and do everything you can to meet them. Go back to the list of goals. and then they set times and dates when things will be completed. Timelines do not mean deadlines. objectives. rushing into it is more dangerous than not starting it at all. jot down a date for reaching them. give yourself a year.
He probably had the one of the worst memories I have ever seen. Never underestimate the influence of actually seeing your goals written out and in front of you every day. he knew how to compensate for his flaw and it practically never affected his work or his success. The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. 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). His solution was to write everything down. Write It Down Words are priceless. you might have to adjust your action steps or your due-dates to make them more reasonable. Like most successful people.” 66 . I learned early on a major flaw that he had that amazed me. I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. About 30 seconds of silence went by and he asked me why I became quiet. Written words are also great for organization and focus.Lifemoney If you keep on falling behind and have to reset your dates. “I’m waiting for you to write that last item down. I told him. most talented and gifted people I know. 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. I actually had a business partner who is one of the smartest.
tasks first. Here are a few tips for using your daily “To Do” list: 1. but you will make progress and. reserve a block of time to do what needs to get done. 67 . realistic. Every day you should be aware of all your goals and the steps needed to attain them. Do the important.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. moving you closer to achieving your goal. you may be able to do more things in a day.” -Les Brown Goal Achievement Exercise I Make a daily written. Keep it in the notebook you have been using or in a calendar program that you can keep handy. Depending on how organized you are. set deadlines. Set aside some time each morning to review your list and begin working on the listed tasks. and plan specific. and visualized steps. you may need to break down the week by hours to make sure you are managing your time properly at first. annoying. You should get the boring. measurable. over time. even if unpleasant. committed. For goal setting you will need to prioritize tasks. You may not get everything you had planned done in a given day. “To do” list which you will reference daily. and anxiety producing things out of the way when you have more time. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid.
but it is visible and reminds me daily to get out and play. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. but it works. you plan to fail. Computer programs and electronic organizers can save you a lot of time over manual lists. It’s just something I want to get around to doing more often. 4. use them! Lifemoney Currency It’s true – if you fail to plan. We need to take luck out of the equation. With computer programs and organizers you can adjust lists quickly and neatly. Although I suggest technology. 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. I want to start playing more basketball. Learn how to use technology. Carry a pocket-sized list with you at all times. -Brad Turk 68 .Lifemoney 2. 3. but it is not really a priority that I want highlighted on my daily to do list. Obviously. your PDA or phone alarm as a reminder. I know I could come up with a more efficient method. even I know it is kind of strange – but it works for me. do what works for you. For example. I do this. I will do things like leaving a basketball by my front door. I don’t recommend this method. It is not in the way. So if you need post its. and I am happy with it.
because it mostly affected the smaller customers. The MCI philosophy was “we’re selling on value. I found that MCI was one of the highest-priced long distance service providers on the market at that time.” Unfortunately. now is the time to knock them down forever. and you must be mentally prepared to deal with them. My problem was that I was the one handling those smaller customers. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. These companies were offering rates that were about half the price of what we sold. Whatever obstacles have been preventing you from starting your journey. newer provider. Successful people use their Lifemoney skills to look at obstacles as opportunities. But MCI was not concerned with this.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. it is extremely difficult to sell value at two times the cost for the same product. not stumbling blocks in their path. Most of their larger customers simply wouldn’t take a chance with a smaller. They step up and success is their reward. not price. Adversity and obstacles will come up along the way whenever you start setting goals. with fewer expenses. 69 . Mental and physical preparation is essential to finishing any journey. taking market share away from MCI and AT&T. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. There were a lot of smaller companies.
Trying to make your goal appear easier to reach by writing fewer obstacles 70 . Below that. let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. 95 left or got fired. The turnover rate for my position that year was 95%. Then come up with the solution/objective and an action plan. Be honest and write every obstacle and fear you can think of. That meant that for every 100 reps starting at MCI. With firm goals and objectives in mind from Exercise F.Lifemoney I quickly scrambled to find a solution. 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. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. list possible or proven obstacles or fears that may be keeping you from reaching your goal. Luckily. Describe one of your main goals in a sentence or two. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. I started looking for other products to sell even though long distance was supposed to be our main focus. Lifemoney Currency “If you don’t like what’s on TV. but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. This was the beginning of a booming market.
It’s like your teachers used to say in school: “You’re only cheating yourself”. focused. but they are action heroes. etc. People just like you and I. etc. so you will need to spend some time figuring out the possible or probable barriers to your goals. Objective: Take Flying Lessons Action Plan: Research Classes.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. they add action to their goals and steps and turn dreams into reality. and colors for different people. Objective: Find out about buying a used plane Action plan: Find out about bank loans. • I don’t have a plane. So is flying an airplane impossible? Of course not! People fly planes every day. clear. save money for classes. The idea is not to overwhelm yourself or get stressed out with a long list but to break down your objectives into steps that conquer all possible obstacles. These obstacles come in all sizes. etc. find an online interest group. Here’s an example of what your obstacle list and action plan could look like: Goal: To pilot my own airplane Obstacles: • I don’t know how to fly. start a savings account with regular deposits. • I can’t afford a plane. So how do they do it? They are not superhuman. and manageable. Each part of this process should be specific. Objective: Research planes and prices Action Plan: Go online and research planes. shapes. so that you will 71 .
allowing failure to be an option. procrastination. 2. Let’s examine each of these and ways you can beat them every time. you’re probably going the wrong way. we learn from our success and failures to meet the next obstacle with even greater results.Lifemoney end up where you want to be. Number 1: Procrastination 72 . your real goal at first may seem almost impossible to reach. All of these steps we have completed so far help you get focused. They say if everything’s going your way. As with this goal of flying. When we face challenges and overcome them. the goal suddenly seems reachable. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. stay clear. That’s because life is supposed to be a challenge. making excuses.” -Brad Turk Three Huge Obstacles In my life as a successful businessman. and manage your way to achieving your goals. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles. or even when we face them with not-so-successful results. Lifemoney Currency “They say if everything’s going your way. 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. and 3. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1.
too.” “My husband says it won’t work.” “The kids need me right now. By procrastinating I mean putting off or delaying an action or task to a later time or date.” “I don’t know where to start.” “I’m over-committed already. To me. Remember how in school some kids put more effort into making excuses for not doing homework than in completing assignments (I know because I was one of them)? That’s what happens after graduation. 73 .Overcoming Obstacles There is one obstacle that rises above the rest: procrastination.” “I can’t find a minute to myself.” “My wife’s nagging won’t let me think. procrastination is one of the worst enemies of success.” “I don’t have the help I need.” The list goes on and on. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4). and some of us are experts at it. We say things like: “I’m too busy. It’s easy to put off making a plan for starting the journey to your goals. or avoid taking action steps once the plan is made. All the time that is wasted procrastinating is not putting us closer to reaching our goals.” “It costs too much.” “I’m too tired.
Instead of doing the dreaded cardio. Just get up and go. just go and focus on doing the weight training. the rest willing to let them. you might be feeling up to doing the cardio. some willing to work. Don’t think about the whole thing. be they people (your lazy cousin Eddie). Or don’t think about not feeling that well at the moment. Example: If you’re not feeling well and you are supposed to do cardio and weight training. do “a part” of the task. You’ll feel better after you do. We all know time-suckers. places (the mall). Just do it! Example: When it’s time to go to the gym. Maybe after that is done and your body is in motion.Lifemoney Lifemoney Currency “The world is full of willing people. or things (Xbox/housework/chores). Maybe a part that interests you most. 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. Example: You are on the way to the gym and your buddy calls you to go out somewhere. Don’t think to reschedule it for a better time.” -Robert Frost h i nk about that quote. • Avoid people or things that will take you away from what needs to be done. Even pick one of your favorite exercises to start. You tell T 74 . go. • Do a part of the task.
think of how you are going to look at the beach. not the task. 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. • Focus on the results. visualize the result you’re after. don’t think of the exercises that you need to do. If he’s a real friend. fold it up in their wallet. Sometimes we just need a little outside perspective from a family member.Overcoming Obstacles him you can’t but he is persistent. get a friend involved or find someone at the gym who keeps the same workout schedule. Example: If you need outside motivation. You need to be firm and stick to your plans and continue on to go to the gym. Many successful people consciously visualize a result before beginning a task. Example: If you don’t feel motivated to go to the gym and you dread having to go. I’ve seen people literally write down “make a million dollars this year” on an index card. • Write down why you’re avoiding the task. not the steps it takes to get there. he’ll be waiting for you when you’re done. Yet most of us grab onto great ideas for self-improvement without much thought. • Find a partner. While this may be extreme. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. If failure is always an option then success may never be within reach for you. which explains why a significant number will fail or relapse when the going gets tough. All successful people meet their obstacles 75 . and spend every waking minute realizing their goal. You can hire a trainer. find a workout partner. colleague or friend.
at last. then ask yourself questions like these right now to avoid making failure an option: • • • • • • What type of lifestyle changes do you plan to make? Do you need to move to a new place? Should you change jobs? Do you need a different eating plan? Do you need to make time to get more exercise? Which skills will you need to develop to improve your capabilities? 76 .Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. He persevered until. 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. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. you may never know. Even when some degree of success was in his reach – he was offered thousands of dollars to buy the script at a time when he and his wife really needed it – he saw a half-deal as a failed deal. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed. Much like the boxer in his now famous movie. Sylvester Stallone went through huge trials and tribulations as a writer. star and creator to see his project come to life. Stallone refused to fail. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. but lost out on several of them because he believed he was the only actor who could pull off the lead role to his demanding specifications.
This becomes a lifestyle challenge that you must address. you may be tempted to light up with your buddies at the bowling alley. At the age of forty. my sister enrolled in medical school. Being a doctor has been her desire since she was a child. You might feel too old to reach your goals or that it is too late to realize your dreams.Overcoming Obstacles • • • • • Do you need technological expertise? Should you take a class? Should you attend a marriage seminar or see a marriage counselor? Should you seek help from a professional consultant? Who do you know that could be a possible business partner or help you connect with the right business partner? • Do you need to network with others in your field to enlarge your knowledge boundaries? • • • • Will your current job or career environment support these needed changes? Does your company recognize and reward growth? Can you make more money or advance more rapidly at another company? Does your company pay for tuition reimbursement? Answering these questions might require some habit changes. But it is never too late to achieve your desires. For example. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights. Life circumstances and 77 . if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. Emotionally speaking you may be thinking it’s too late for you to change.
Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. -Brad Turk 78 . 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. Number 3: Making Excuses Excuses are very powerful. Your elaborate reasons will not impress anyone. like earning more money by asking for a promotion. Start with one goal at a time. This is just not acceptable. and approaching your supervisor at just the right time to maximize your chances for success. maybe even a small one. when you make an excuse for not doing something. Rather than making excuses. be definite and defined about the action you will take and when you will take it. Lifemoney Currency If failure is always an option for you then success may never be. Your action steps might include dressing the part of the higher position. they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. the thing you were suppose to do did not get done. working overtime to prove your usefulness. The bottom line is.
-Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. Being prepared to face them is a huge factor in overcoming them when you meet them. objectives. Lifemoney Currency: Good things don’t just happen by themselves. I have a good idea of my action steps to reach each goal. and then tally your score. _____ 2. Let me repeat: NEVER FORGET to anticipate that obstacles will come up. That means creating a written plan for reaching a specific goal. remember that when this process is complete you are ready to step on the gas and head on toward your destiny. I am ready to create goals.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. The plan should list the goal. Whatever you do. 79 . timelines and an idea of some of the obstacles you’ll face. We need to do everything in our power to make them happen. action steps. We need to do everything in our power to make them happen.
I am ready to stay committed to my written plan and see it through with daily reminders. ______5. _____ 6. _____ 7. _____ 9. I am looking to see how technology can make my life easier. _____ 8. No excuses: I will not let myself off the hook. _____ 4. I plan to tackle the more difficult things on my “To do” list first. Just not where you want to go.Lifemoney ___ 3. I have thought about some of the obstacles I may face.” -Brad Turk 80 . _____ 10. I have created a timeline for my action steps that appears to be reasonable. I have plans to fully and completely address all roadblocks to my success. I am ready to adopt the mindset of someone who will be successful. Lifemoney Currency “Excuses will get you everywhere.
you’re right. and laying the foundation for all mankind. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen. The five tools are focus. time management. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. My favorite is the one where a television anchorman says to the caveman. inventing the wheel. awesome. good point.” 81 . discovering fire." Overview Success requires the right tools. efficiency. 'Good job.' it would have made me actually look and feel ridiculous.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned. “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. like walking upright. Yeah. well done. Learn to use these five with skill and you’ll achieve whatever you can dream. priorities and commitment.
Whatever the task requires . Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make. nearly everything in our world is a tool. Though different tools may suit different people best. If you stop to think about it. cars or computers .” -Tom Clancy 82 .Lifemoney We’ve been innovating and making tools since we lived in caves. you need to select and develop the tools that will help you achieve your goals. 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.our tools surround us. We create mental tools to help us achieve greatness as well. Here are some of the strategic tools that will help you succeed in achieving whatever you dream: • Tool # 1: Focus • Tool # 2: Time Management • Tool # 3: Efficiency • Tool # 4: Priorities • Tool # 5: Commitment Lifemoney Currency “There was a time when nails were high-tech. successful people use many of the same mental tools – and use them well. Technology is just a tool.stoves. People use tools to improve their lives. Now that you’ve made up your mind to go after your dreams. There was a time when people had to be told how to use a telephone.
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
The next time you’re tempted to spend time where it won’t count for much. or reaching that goal you think you just don’t have time to reach. after 50 years you would have spent more than a year of your life “wasting time. First.Tools for Success manage time well and you become a master of extra hours. Third. Trump: Think Like a Billionaire. To manage your time better I would suggest four things. If you’re unclear about your objective you’ll be unclear about the time you’re spending. or useful for others or yourself. or browsing the classifieds or eBay for things you don’t need. Take it a step further and think of how much time we waste every single day. think of the extra hours you could find just by adjusting to one less hour of sleep per night. enjoying your family. finish whatever you start. If you wasted just 30 minutes a day on surfing channels. too. 87 . let alone two or three. insists that she. minutes. talking over the fence to your neighbor. Extra snippets of time come in the most unlikely places. months and even years. Rachel Ray. only sleeps 4 or 5 hours a night. Donald Trump suggests sleeping only 4 or 5 hours a night. contributing to the community. Second. In his latest book. busy with multiple high-profile projects including a daytime talk show and cookbook empire.” 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. days. driving to the store. Just pride yourself on finishing projects and never allowing them to linger unfinished. weeks. like building a career. be very clear about what you’re trying to accomplish each day. ignore the invitation and do something constructive. interesting. While this may be extreme for you.
Lifemoney Currency “The bad news is time flies. Fourth. or any other resource you have available. he is efficient with his time and committed to writing practically everyday. energy. Salem’s Lot. money. The Shining. the Fourth of July and Christmas. The Green Mile and Hearts in Atlantis. all of them bestsellers and featuring such instantly recognizable titles as Cujo. every single day of the year. So even though he is not working 10 hours a day on his books. Since publishing his first novel. You are the only one who can guard your time – no one else will do that for you. and Misery. While many consider him the “King of Horror. King has consistently published three or four novels per year.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. the author of some of the world’s most popular novels.” . How does one author manage such a staggering number of pages? The answer is efficiency. King has long said he writes at least four hours a day.” the author is also the mind behind movies like Stand by Me. The good news is you're the pilot. Remember that your time is your time. Someone who knows a little something about being efficient is Stephen King. don’t give into time wasters. back in 1974. except for three: his birthday. It’s a good lesson for all of us: you might surprise yourself 88 . Carrie.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day.
from time spent with friends to starting a home-based business.Tools for Success how much more you could produce in your own life with four highly concentrated and efficient hours per day of real work. My guess is that you will get more done in four focused hours than eight unfocused ones. In other words. 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. 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 may need to reconsider that decision. weigh each one with a view to your goals. You also should get in the habit of counting the “efficiency cost” of each decision you make. Let’s do an efficiency exercise. but efficient work. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. Ask yourself. Not pushing paper or daydreaming. From now on. some activities are more efficient in getting you 89 . when you get the chance to make decisions. Everything in life has a price tag.
To better manage your time and utilize your time more efficiently. We often work so hard to “fit in” exercise that we either can’t do it or hate doing it because it took so much effort 90 . 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. 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. 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. Using time efficiently is a huge obstacle for many people who are would be success stories.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. but efficiency of performance is what wins the game for the team.Lifemoney toward your goals than others. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. decisions: • • • • How much will this cost in terms of money. especially future goals. For that reason. Ride your bike to work to relax and get some exercise. or even minor.
or poorly. When we schedule a block of time. Unfulfilled lists lead to depression and disappointment. Setting aside one hour at the end of every week to analyze how well. like getting to work or going to the store. Don’t overfill your “To Do” list. you managed your time that week can save you hours the following week by learning from your mistakes. we can’t perform task after task without stretching our bodies. between important tasks. 6. minds. 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. Get a Spam filter for your e-mail. spouses need our help. kids get sick. Set aside “unwind time” after work or school. or both.Tools for Success to accomplish in the first place. we tend to perform those tasks more efficiently. most don’t. 4. We are not computers. they often remain unfulfilled. Monitor how you’re spending your time. When our “To Do” lists are too full. Many programs offer everything from stock tips to weight loss programs to informational documentaries. When viewed wisely. and make any needed adjustment. 91 . television can be a valuable tool. 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. cars break down and bosses demand overtime when you least expect it. exercise. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. Watch less TV and do something more productive. with planning and forethought. 2. neither of which fosters success. which can be as little as fifteen to thirty minutes. 5. Eliminate the hassle by making something you have to do anyway. Things do not always go like clockwork.
and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. 8. or a car to drive. open the window and enjoy the air. lobby lines. 10. I usually use car time to catch up on calls that I need to make. “Worry is not thought.Lifemoney 7. especially when it’s spent in waiting rooms. even when it’s spent waiting for things. Entrepreneurs. 92 . Only focus on things you can control. there would be so much less to worry about. Without those paychecks. food to eat.” 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. we gain not just precious moments but momentum. don’t worry about the rest. You get up. Bring a book to all your “doctors visits. wishing you could be outside. waiting for appointments. If you’re stuck in traffic. When we learn to use our time – all of our time – wisely. Always carry something to capture your ideas. complaining is not action.” Never waste an opportunity to learn. you would not have a roof over your head. 9. Mason Cooley once said. Appreciate unexpected delays. get dressed. etc. Think of the day you were sick in bed. 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. and get going to a job so you can take home a paycheck every few weeks. Take a break to relax and listen to music. Tool #4: Priorities What are the priorities in your life? For many. creative people. the day begins with the priority of going to work and chasing a paycheck. Use waiting periods wisely. in restaurants.
don’t spend three hours cleaning your desk so you can get started. Don’t do busy work.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. Then commit to giving your best to your life and to your goals daily.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. complete all the important things at the beginning of each day. focus on writing and not the collateral activities that might make writing that letter easier. Do whatever you’re doing all the way. something or someone important is going to get short changed. You come home to people that mean a lot to you. You can easily become distracted doing this and usually nothing gets done right. 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. Choose a priority and be a finisher. Don’t multi-task and try to accomplish too many things at once. 93 . How should you start the process of prioritizing all the important people and events in your life? Start by asking yourself “Do I know how to give 100 percent?” Chances are the answer will be “no. If your goal is to write a letter to someone. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. In other words. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. Finish what you start when you start something. and take time to spend with the ones you love. Focus on one step at a time. Second. The third suggestion for prioritizing.
I could do it myself. Pay less attention to things that come up but have no relevance to your goal. it was worth it to me. Jackson Brown 94 . Thomas Jefferson. Michelangelo. That will only take me away from my priorities. Pasteur. and freed up some of my time to work on other priorities. Mother Teresa. Take on only what you want to do and say no to the rest. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. But why spend hours handling that task when my time can be put to better use? Last. Fifth. You have exactly the same number of hours per day that were given to Helen Keller. and Albert Einstein. 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. don’t be afraid to say “no. One example from my life is that I pay to have my laundry done. Even though I had to share the profits. create a sense of urgency for important activities that are going to be meaningful in your life. Lifemoney Currency “Don’t say you don’t have enough time.” Delegate worthwhile projects that can be handled by someone else. Your time belongs to you. I never answer my phone unless it is a call I’m expecting.” -H. Sometimes you might want to consider sharing profits or payoffs in order to get needed help. Leonardo da Vinci. my partners and I had a synergy allowing us to accomplish more in less time.Lifemoney Fourth. I would often share sales opportunities and business deals so that I would have less work to do. Together. Sure. give up the little things that scatter your time and energy.
as he calls it) for over ten years. His response was that working out was one of his daily events. It was something he had to do. besides his normal two week break. it was like brushing his teeth. In the same way. eating. you need to make your goals – things to do – daily activities. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. However. 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. we call it a mortgage. they make a commitment to the bank. a key part of your lifestyle. Then the real embarrassment came: after going over his working arrangement. I was amazed at his dedication and commitment.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. consistently. 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 we make an appointment to see the doctor. When I was talking to him about his workout plan. when someone buys a house. we feel obligated to keep that date. would you? 95 . In the last ten years. I have a friend who has been bodybuilding (or body sculpting. or sleeping. he told me that he hit the gym five times a week. 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 had not missed a single week of working out. For example. You wouldn’t go a whole day without eating.
I saw him) to a few months later running 26. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation.000 checks will be deducted from wrong bank accounts in the next 60 minutes. Here’s a breakdown of how things might look if only 99.260 income tax returns will be processed incorrectly this year 2. this was based on a study done in the 1990’s that circulated in email: • • • • • • Two million documents will be lost by the IRS this year. give 100%.488. 22.500 defective personal computers will be shipped this year 2. You have no choice really.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. He went from hanging out and drinking at clubs (I know.9% effort will not get you where you want to go.517. Go big or go home. because a 99. Follow through. Daddy's House Social Programs and the public schools of New York City. He set a goal and did not stop until he reached it. 1.200 books will be shipped in the next 12 months with the wrong cover 5. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine.2 miles.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.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 .9% effort were given.
wanted nothing to do with Jamie. He even went so far as to tell Jamie that he “would not waste one inch of film on him. Any Given Sunday.690 will be spent today.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880.Tools for Success • 3. saying Oliver Stone didn’t know what he was talking about. next Thursday and every day in the future on defective. Jamie was already a 97 . tomorrow. 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. 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. The director.” He did not believe Jamie could pull off the part.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 20.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18. often unsafe.500 mismatched pairs of shoes will be shipped this year $761. Jamie could have easily walked away.
I heard that after Oliver saw the audition tape. Lifemoney Currency Never. never. never give up. The Jamie Foxx Show. He had also starred in several movies by this point. remember to get and stay focused on success. But that’s not how Jamie viewed and approached it. Moesha and Hanging with Mr. They are humble enough not to think they are too good to put in the extra effort. First. at that point in his career he did not need the role. Second. Roc. they are confident in their abilities and they stay committed until the task is accomplished.Lifemoney successful comedian/actor. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . I think it is fair to say that although it turned out to be a great part for him. he said that he couldn’t make the movie without Jamie. So that’s how successful people handle getting something that they want. He had his own TV show. Cooper. -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. 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.
minute. Last. Fourth. and resources. talents. make a commitment to embrace your goals and make them part of your life.” -My Mother 99 . you go to it. work hard to eliminate the “white noise” of your daily activities and learn to pay attention to the things that are truly meaningful – your priorities. Third. Lifemoney Currency ”Success doesn’t come to you. make efficient use of your time. or hour passes it is gone.Tools for Success second.
I am willing to delegate some tasks to others. I am taking steps to avoid or redirect or see beyond these distractions.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 2. _____ 7. _____ 9. I am “do or die” committed to doing what it takes to reach my goals. _____ 3. I am learning to make choices that will lead me toward my dreams. I am taking specific steps to make better use of my time. _____ 8. _____ 6. I am determined to include my goals in daily lifestyle activities. _____ 10. _____ 4. and then tally your score. I have begun sorting high priorities from non-essentials. Lifemoney Currency ”What you can’t fix. change or impact – You can’t worry about” -Brad Turk 100 . giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 5. I have made a list of the major distractions in my life. I have identified my focus and am ready to pursue it wholeheartedly. I have evaluated my schedule and am eliminating the time-wasters.
he took on the role of a complicated. compassionate and ultimately successful man named Christopher Gardner. You add them all up. Progress Report When Will Smith played the lead character in The Pursuit of Happyness.” -Christopher Gardner Overview Finally. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. one giant leap for your life. as long as you are going forward. Gardner believes he has over $600 in the bank. You may not feel like you’re making much progress yet. and one day you look back and you’ll be surprised at where you might get to. At one pivotal point in the movie. your plans for reaching your goals are in play. only to find out later that the IRS has seized the bulk of the account.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count. to 101 . but just starting down the road to success is one small step for you.
While the event seems tragic. if not years. When things take time. 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. shipping and delivery of the first 2. Instead. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. 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. including printing.Lifemoney the tune of $600. 102 . But don’t worry: patience and paying attention brings progress toward your goal. filled out paperwork for an extension. 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 cost about $5.500 shirts to local retailers. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. it will most likely take months.000 for everything you need to get started. You’ve decided that you’re going to launch your t-shirt line six months from now. to do everything that you want or need for your dreams to become reality. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. it’s easy to wander and not finish the essential steps that lead to your goal. Busy work doesn’t get it. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. and literally withdrawn it from the account. The resulting loss sent Chris and his young son onto the street. For example. you need your plan clearly laid out and a means to track how you’re doing.
shipping and delivery – into place. or about $160 monthly. This means that you will need to save $960 in the next six months. What happened? Well. you simply failed to keep track of your progress. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch.040 in your money market fund. The simple reality is you need one single visual reminder of what you want. Was the goal bad? No. but a big 103 . Were you on track? Yes. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. In this example. Don’t forget the map! The solution to this common problem is either a chart of your own making. What happened? Most likely – you made a bad assumption. Was it out of reach? No.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. electronic calendar or some other external system. 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. We often just assume things are going to work out once we have our plan in place. It’s been a year since you made the decision to launch. But when you check you notice that there is only $4. Keep it simple. This messes you up because initially you only needed to deposit $110 in the account each month. where you’re going and how you’re doing. and you recall spending $300 to get a new bicycle. I prefer a big calendar. but by all means use something. 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. a daytimer.
As you can probably tell. Your reminder system should have several key components. They are items that need to be accomplished to get me further toward my goal. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. List a Goal: This is where I simply write out my goal – one goal per sheet. 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. 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).Lifemoney piece of paper would do. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. Also. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. 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. It’s important to monitor each goal separately so use a separate sheet/planner for each goal. Let’s find out what they are. Here are my basic elements: 1. I’m addicted to simplicity. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. 2. so I’ve broken down my own personal system into five easy to monitor factors. I make sure I regularly review my objectives. As always. I write these action steps in clear and direct language using 104 . Written goals are powerful. 3. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F.
I reach my objectives. a popular time of year for making new resolutions or resetting ongoing goals. You can find lists of action verbs by doing a quick Google search for lists of action verbs. creating objectives and action steps. Completion: I always mark the date when I’ve achieved each objective. 105 . 5. We’ll start with January. Closure on my objective always makes me feel good. How you arrange your grid is up to you. I am going to use an example of setting a goal of becoming a better golfer in a year. but below is a model that provides an idea of how yours might look.Evaluating Progress action oriented words. Charting your journey in writing helps to make the whole process seem more real. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. 4. Create a grid that lists basic steps for reaching your goals. If I reach my objectives. Take it out for review often to make sure you are headed in the right direction. If I do all my action steps. I have found that the more specifically this is worded. Goal Achievement Exercise M Take out your Workbook. the more accurately I can tell if I’ve reached what I originally envisioned. as well as your response to them. I will reach my goal. and is a great marker of progress toward my goal. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. Now it’s your turn. and keeps you in touch with the realities needed to make your goals happen.
will be spent revisiting an earlier action step. Year-round practice will improve my skills. Call for subscription to Golf Digest. you can quickly and objectively measure your devotion and success in chasing your dream. to work toward your goal.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. by the way. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. Enjoy the thrill of getting better. pros. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. Action Step I will take 2 hours during the first week of this month to write out my plan. and equipment of golf. keeping a grid like this one will show at a glance what you are doing. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. Check yellow pages for indoor putting green. 106 . Outcome I will enjoy my golf game more and feel a sense of accomplishment. I will make the time to sign up for lessons and commit an hour a week to practice. When you go back and check your grid periodically. I will get expert help and assessment. Even if you don’t fill every moment with related tasks. Read one golf magazine article per week to learn more. and how often. For instance. I will surf Internet for local golf pros. Some weeks. 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. Learn terms.
To find out if you’re off track I suggest you find out what you did wrong. Maintaining Your Course So what can you do to make sure you’re headed in the right direction? Here are a few tips for realigning your journey with the original goals that motivated your action plan. Ask good questions Most people want to know what they did right. it also forces them to be specific. Evaluate the input. the diet routine. Ask for outside input from people you trust to be honest. This is good.” To get better information ask. for example. If. Find something that works. I liked it all. 107 . If you get the same input from different sources. you are now going to get a few things that they were not that excited about.” This makes them think. “Please tell me the three things you liked least about what I did. For example. Fortunately and unfortunately. chances are it is correct. you could switch to a physical activity approach in conjunction with.Evaluating Progress If you decide to change your goal for whatever reason. remember to adjust the steps to getting there. even if that means rotating new activities through the process until you find one that works best for you. “You did nothing wrong. or instead of. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. Make it easier for them to evaluate you by asking the right questions. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. and you found little change in the numbers after a few months.
however. It also lets us know how others see us. 108 . When someone tells you point-blank that you’re going about something all wrong. He was told that his best hopes for a career would be as a carpet layer. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2. Keep in mind that not all opinions you get will be accurate.4 billion was thrown out of 2nd grade. 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. just listen carefully and ask how you can do it better. 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. which is totally worthless. If you argue or make excuses. You don’t have to take every piece of advice that’s offered.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. You’re allowed to discard opinions if you have a strong impulse that they are wrong. Before you open yourself up to criticism. Analyze the critiques and use them as you see fit. Don’t be afraid to be off track—or even outright wrong. don’t reject impressions just because they are negative. In 3rd grade he was sent to a school for mentally challenged children. I’ve been wrong on many occasions.
founder of Woolworth’s and modern department stores. taking a personal finance class. His last headmaster said he'd never make it. Good thing he didn't. the phonograph. With his creative mind he patented over ten thousand inventions. Yet. that he was a screw-up. if your goal is to retire at age 45 meet with a financial planner.Evaluating Progress • Thomas Edison was told he was not teachable. You might even want to get several opinions and weigh several options before making a final decision. far-reaching. or an investment agent to discuss planning strategies that can make this possible.W. including the light bulb. and how to get there in the most efficient way. Before being home-schooled he was kicked out of three schools. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. or we wouldn't have his incredible.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. • • Walt Disney was once fired for a lack of "good ideas. Registering for a financial planning seminar. Woolworth. and creative theory of relativity that has shaped modern physics. • Albert Einstein struggled in high school math. he never gave up. or attending a money management workshop are additional ways of becoming more knowledgeable. and film. your banker. His name was F. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. These also help to make sure you have a realistic goal set and that your 109 . His bosses thought he lacked the common sense. where you want to be. For example. Get enough information to provide a clear picture of where you are currently.
Some people even use something as simple as notes. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. or meeting someone and falling in love. 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. Watch your goal progress closely Check your daily activities.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. the loss of a job. As you try to achieve your goals. If not. a great new job offer that comes unexpectedly. Either is fine. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day.K…. O. you may get off 110 . your plan. you still have time to adjust your plan to maximize your chances for success. as long as you continue to make steady progress. and your progress to see if adjustments are needed for a better chance at a successful outcome. daily steps that carry us the furthest distance. keep track of your progress. a death in the family. 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. this is the time to reevaluate your goal. Your best skill is your ability to write things down and track yourself. Notes to yourself. Above all remember.
The faster you uncover the weakness within you and address it. “You always complain and never offer solutions.” “You’re always late. • • • • • • • “You have trouble following through to get things done. There are some very good action steps you can take to get yourself going again. properly aligned and refocused. Here are some examples to get you started.” “You work slowly.” “You’re stubborn and won’t do as you’re asked. Goal Achievement Exercise N Take out your Workbook. Then move on to do the same with larger tasks. Don’t beat yourself up for being normal. take this information and use it to your advantage. and then outline action steps you can take to address these.” “You’re attitude is bad. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time.” “I have to constantly watch you because you waste so much time.Evaluating Progress track too.” Rather than being upset or offended. We’re going to address some of the internal areas that may get you off track to achieving your goals. 111 . List the five most common criticisms you hear about yourself. And don’t forget that sometimes you get off track due to internal factors rather than external ones. the faster you can get on your way. You stop exercising or you start watching a new television series that leads to another new show to another and to another.
• • Finish the task at hand and ask for something to do next. more specific steps you 112 . Especially honesty with yourself about your own weak spots. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. break the goals up into smaller. daily pieces that when completed will gradually accumulate and lead to success. come up with a clever solution to some problem the boss is having. 2. Being honest with yourself is a powerful tool. Fortunately.Lifemoney • • • • Make it a point of pride to be at work 15 minutes early Go overboard to do exactly as you’re asked without backtalk Work on being an encourager to others Step up your pace at work. Be honest in soliciting opinions from others and acknowledging your weak areas. Write down the smaller. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. there are many things you can do to address problem areas and turn them around to make negatives into positives. Then be proactive in making changes to benefit yourself and others. 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. gut-level honesty. Better yet. Keep these keys in mind: 1. you will lose track and wander in pursuit of your goals. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. I strongly suggest that if you break your tasks down into smaller.
Have a weekly date with your spouse or child to improve family relations. as well as find inspiration to help you continue to achieve your goals. Work on replacing a bad habit with a good one each month. Stop and reflect on your life more often: When you stop and reflect on your life every month or two. and be willing to make the necessary changes that will help to ensure success. take personal responsibility for the difficulties encountered in your quest. j. e. 113 . Read a self-help book related to your goal. Review your written goals more regularly (hourly. Check out at least one set of blueprints for your dream home each month. Here are examples of small activities that can be conducted daily. Whatever you do. weekly. etc. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. Seek out successful people for advice: Free advice is all around you. Learn something new related to your goal every month. Meet with your mentor every other week for feedback. Make one sales call daily at least five days per week.Evaluating Progress intend to take. d. Save at least $10 per day for an average of $300 per month or $3600 per year. Contact at least one new potential employer each week. f. b. h. 4. Seek it out and you’ll find more encouragement than you’ll be able to handle.) g. 3. you will be amazed to see how much you’ve actually accomplished. (I speak much more about this in Lifemoney Lesson #6. daily. i. Resourcefulness). c.
take a short break to renew your mind. If anything has changed since you began the quest. and then give it all you’ve got! Lifemoney Currency “Dreams are real.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. To tell the complete story. If you feel that you are unable to follow the timeline or stay with the quest. Make a visual reminder – like the grid I use . realistically – and often. Come back to your journey when your batteries are recharged. Every success story is written with dozens of action plans that were brought to fruition through focus and commitment. evaluate your progress thoroughly. 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. factor it into the equation. Do this assessment frequently.to determine what you are able to complete on time. as well as anything that remains unfinished. After taking action steps toward your objectives and ultimately the goal. living.” 114 -Brad Turk .Lifemoney Lifemoney Currency “The price of greatness is responsibility. but that’s fine as long as you don’t abandon the journey. You may have to revise your daily or weekly goals from time to time.
_____ 5. I will create a grid for recording action steps that lead to my objectives. along with my progress at regular intervals. and then tally your score. _____ 3. I will make efforts to change or eliminate bad habits. I will solicit feedback from experts. Lifemoney Currency “Be consistently consistent. _____ 4. _____ 9. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I will check the grid periodically and make any needed changes. _____ 8. I will be quick to admit my weaknesses _____ 7. I will invite and accept criticism that is given with a view to helping me. _____ 10. I will reevaluate my goal. _____ 6.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. In gathering feedback I will ask good questions.” -Brad Turk 115 . _____ 2. I have the names of several people I trust to give me good personal feedback. I am going to regularly check my progress toward reaching my goals.
had to create his own destiny.” Overview Everyone struggles to meet their goals. you need to look for other routes or means of help. When things don’t go as planned.Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe. This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. Sean. Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). and we can endure much more than we think we can. who was brought up in the Marcy projects in Brooklyn. 116 . everyone encounters resistance along the way. whose net worth is estimated to be $320 million. We are stronger and more resourceful than we know. It’s how you handle the resistance that leads you to success. knows firsthand what it means to be resourceful.
So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. Jay-Z became one of the most respected rappers in the music industry. including Kanye West. part ownership of the NBA New Jersey Nets and the S. Being a talent was not good enough to attain his success. the 40/40 Club in New York City. which eventually shaped his destiny. which launched not only his career. he also expanded the Roc-A-Fella empire.Resourcefulness When he first started out. “I was forced to be an artist and a CEO from the beginning.” but over it. How resourceful are you? Could you overcome adversity by thinking not just “outside the box. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. with 18 Grammy nominations and 5 Grammy wins. right smack through it? As you begin your journey to reaching your goals.” And that’s what he did! He co-founded Roc-A-Fella Records. 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. In addition to becoming the President of Def Jam Recordings. but the careers of many other superstars. Other ventures of his are Armadale vodka. around it or. When faced with resistance he responded by finding solutions to his problems. He has a willingness to find any way to achieve his goals. under it. No one seemed to be interested in his music or recognizing his understanding of the music business. you might be filled with 117 .a very successful clothing line. in some cases. Sean was unable to get a record deal. which includes Roc-A-Fella Films and Rocawear . he needed to be a businessman as well. Carter line of Reebok sneakers.
You’re going to need to be resourceful no matter how much you have going for you. Lifemoney Currency "I've found from past experiences that the tighter your plan. run some cold water over your hands. Successful people never hesitate to look for resources that can mean the difference between success and failure. “I’ve never felt better! I have a sense of purpose. The resources you’ll need to tap into can come from inside yourself or from around you. then slap yourself in the face. Either way. You may be thinking. do surgery with a pocket knife and 118 . you can find resources that will make all the difference in your search. This lesson points out some useful resources and answers for the troubles you will encounter on your journey.Lifemoney confidence. or mediocrity and brilliance. and I know exactly what I have to do to reach my goals. What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. turn on the light. the more likely you are to run into something unpredictable." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. With a little bit of effort and some common sense. They might come from your creative imagination or perhaps from the lives of other people. no matter who you are or where you’re headed you need to focus on using these resources to get through the challenges you are going to face.
these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. You’ll have to learn to let your mind go in this fashion. Though you may not end up being MacGyver. Did you ever consult someone about a problem you were having. wild and fun solutions. Take stock of the situation to see what you can do. These are four ways of thinking that have made me a better businessman and human being. but the natural resourcefulness of your mind will reward you with many great and doable ideas. Take the time to take stock of the situation and think on your own. Relax and think: don’t let the complexity of a problem paralyze you. big thinker. resourceful problem solvers are some of the most open-minded thinkers I know. and realize that often the reason you’re stuck is because you’re not thinking big enough. you must be the same way. and when it comes to succeeding in your life. He was never played out. he could always find a fix to any obstacle he faced using just what he had around him. I want to make four suggestions for being more resourceful. 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. only to be told something you already knew? Often. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. Take time to jot down problems for which you’re seeking solutions. Be an open-minded. He was the picture of resourcefulness. 119 . 2.Resourcefulness make a computer out of duct tape. and then brainstorm big. The trick is to keep your mind focused on what you want. expensive. You can always do something. even if you’re unsure of the outcome. Clever.
ask over and over again. At twenty-five. Become four years old again. Be a pest. 3. It was a big thinking. Don’t look at life with the jaded self-knowledge of an adult. I have a baby face. 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. George and I appeared to meet expectations for maturity and sophistication. I was able to pitch my products and services to an open ear. Once the perception piece of the introductions was achieved. This was a problem. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. who was middleaged and looked more of the part I needed to play. And when you come up with all those big thinking ideas – capture them. 120 . As a team. That’s how you learn. As you can see on the cover of this book. and in a moment of wide-open. George. 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.Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. out-of-the-box resource idea and it worked. I was trying to launch my business and wanted professionals and industry experts to take me seriously. I looked nineteen. Make sure you capture those ideas somehow – in paper. Don’t be afraid to ask questions from people who know. When attending a high-power meeting I’d take along a good friend. big thinking I created a great solution. over a microphone to your computer. I look a lot younger than my real age. but walk with eyes – and ears – wide open.
You see steps. My dear granddaughter Hannah. I see problems. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. new skills. Questions are your favorite tools. Book is your favorite word. hoping to master the computer in one easy lesson or not at all. And in my experience. It was taken from the web site http://members. you can’t know everything. You want to know everything. I see mess. I see danger. You are only two. With wild abandon you tackle new words. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. 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. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. You find laughter in mistakes.shaw.htm. I find embarrassment.ca/athomas125/hanna. you see colors. You want to paint. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. Here’s a thoughtful letter written to a child from her grandfather. You want to climb the attic stairs. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. You love to learn. I struggle to learn.Resourcefulness You don’t know everything. I've forgotten how to laugh at blunders… 121 . 4. Look for solutions in the most unlikely spots.
or information you can’t really use. After talking to one resource person or another. When you’re listening to an answer. 122 . You walk right up to a stranger and smile. Ask questions that seek out detail rather than just yes and no. I stick with the familiar favorites. Keep Looking . I love you for who you are! Grandpa Dan Dear Lord. Just keep going until you find the information you really want. Talk to people from teens to retirees. tomorrow you will tackle cauliflower with the same exuberance. you might be given all sorts of misleading ideas. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. And learn to ask better questions and be a better listener. neighbors. asking questions about their perspectives and ideas. 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.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. But that comes with the territory. These could be friends. Sometimes you may not know where to begin the quest.Lifemoney You are courageous. help me to grow up and become just like Hannah. At lunch you boldly bite into broccoli. and though you dislike it. and relatives who may have an idea or solution to your problem. Look around for success “MacGyvers” hiding in plain sight all around you. 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.
you should be able to find worthwhile reading. try different variations of the same words until you find what you are looking for. Don’t be afraid to use all of the resources available to you to gather more resources. There’s no better or quicker way to 123 . If not. ask a store associate to order materials for you. spread far and wide. Here are four incredible resources. technology is bringing us closer together. But you can go anywhere you want and talk to whoever you like. buy a cup of coffee. Whatever your needs or interests. You don’t even have to buy the books. That’s the beauty of the modern world. and read a recent biography of someone you admire or a book on a topic related to your goal. often at the press of a button. Even as there are more and more of us. find a seat at the café. All you need to do is pick a search engine (I use Google. spend your time searching for buried answers. If you don’t find an exact match. you can just read while you’re there.Resourcefulness You probably won’t find everything you need in your back yard. In a larger bookstore chain. 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. Number 2: Buy a book or magazine You can find dozens of books and magazines in your goal area or where you want to learn new things. You can even use full sentences to pinpoint the closest data to your topic search. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. Look at the jackets and back covers for ideas about whether a book will be helpful. Instead of sitting in front of the television or playing video games.
Many companies offer free webinars with noted experts in a particular field as a way to sell their products. Minneapolis. language CD’s or DVD’s (if your goal involves traveling abroad). and videos. 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. but you may learn a few things from the expert while you participate in the webinar. borrow books for free at the library. 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. If your library doesn’t carry a book you want see if they can get it for you from another library. You can also get audio books.com) where they constantly have well known speakers. 124 . San Diego. You don’t have to buy the product. Toronto. Check your local area for something similar. San Francisco. magazines. In New York. Most libraries offer this type of service for free. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. and Los Angeles you have the Learning Annex (learningannex.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. movie producers and music moguls at your disposal.
They will teach you how to become financially secure and independent. you will be able to learn from the experts in that field. find out all you can about life in New York and the companies or groups associated with this new job in New York. That thrill of learning still exists inside you today. It is idling in you right now. For example if you’ve challenged yourself to get a great job in New York City. One life changing piece of advice can make you thousands if not millions. waiting for the chance to drive you toward solving your challenges and meeting your goals. Ask the people around you what they know about New York. Be 125 . or showing off your playground skills to other kids.” -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.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. Read books and look for television programs.
Check with a local community college or university branch campus for information about these classes. specialized courses that often cost under $100 and run over a day or several weekly classes. Listen first. volunteer at a local official’s office and see how it works. work on building friendships with new. Most colleges – especially community colleges offer informal. find a writer’s group or a reader’s club. suggest that it be taught in the future. Rather than ditch your old friends. You can meet experts in your field of interest and learn things about your pursuit you never knew existed. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. then ask lots of questions. Those friendships can form quickly and be lasting. like minded people that share your intensity in life. Often we outgrow our friends. To run for civic office in a few years. and provide you all kinds of problem solving resources. Consider joining 126 . If they don’t have one you want. • Online Special Interest Groups. • Take a non-credit class. Over time our interests drift and friendships change because your interests no longer match. the internet provides an opportunity to meet many like minded people. If you’re planning to write a novel.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. Learning new things is virtually guaranteed. No matter what your interest. • Join a special interest group.
Community resource center – attend evening sessions from 8 to 9 Monday.Resourcefulness an online community. Visit a local learning annex Once you have these three written down. or subscribing to a mailing list of like minded folks. Wednesday and Friday. Online chat room--. List three places where you can go to find some information that will further your ability to be resourceful.this week I will seek out one interest group related to my goal 127 .” -Bill Gates Goal Achievement Exercise O Take out your Workbook. reading blogs about topics that interest you. Join an online chat room 3. such as: 1. 2. Consult a community resource center 2. such as: 1. assign timelines in which you will visit these places. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s.
learning the industry from the ground up. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings. This is someone who will work with you to set goals and help you make plans for reaching them.Lifemoney 3. look for experts in your field. Before he became known as Diddy. If you’re planning to write a best selling novel. Uptown Records. and found resources anywhere – and everywhere – he could. Sean “Puffy” Combs worked in thankless jobs like the rest of us. learner and observer.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. you might as well think big. D. and while attending. “Already a shrewd businessman through his two paper routes. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did.” There he swept floors and kept his ear to the ground. But Combs was an avid listener.com..C. According to Answers. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad. Lifemoney Currency “If you are going to be thinking anyway. those who have already accomplished what you want to do. Combs applied to Howard University in Washington. contact authors whose writing style you like and ask them for tips on 128 . convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. Like Diddy.
You could contact publishers. If speaking directly with an expert isn’t likely. Don’t fight the system if you don’t have to. libraries and the Internet are valuable. Make sure that you research these people and their companies. before you speak to them. Or look up a local leader that you might be able to interview or job shadow. Books. take a job as an intern like Diddy. Learn it first then conquer it. Always be prepared and don’t waste anyone’s time. When learning from the experts. If you’re a student. 129 . You also may want to consult the local Small Business Administration or a retired executive. too. and other information that might hold clues to the reasons for a person’s success. Go straight to those who know the ropes and can share a bit of wisdom. and who won’t turn their backs when you need help. Don’t rely on your own expertise. Try other people or be persistent with the ones you really think are important for you to meet or talk with.Resourcefulness getting published. if applicable. Look for people who can provide guidance. And. There are actually some fields like the music industry where the only path to a real job is to intern. Ask questions like. but people are the ultimate resource. don’t be surprised if some don’t return your calls. Look up biographies. and find out what keeps them going strong as well as the things that hold them back. videos. find out what not to do. interviews. Avoid their mistakes. “What is one thing you would do differently?” Study those who are where you want to be. get some books about famous people who have already made it in the area where you want to go. too. and look for readers that can tell you what they look for in this type of book.
130 . intrigue these people to help you in whatever way possible. think of key resource people you already know from your past and your present. Never forget to take advantage of your network of connections. Using the people skills that you will learn in Lifemoney Lesson #8. While making your list. it is because I was standing on the shoulders of giants. You’d be amazed how many talented people you already know that could help you along your journey. 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. List three people that you will contact for assistance.Lifemoney Lifemoney Currency “If I have seen farther than others.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook.
Very few people succeed entirely on their own. Stephen Spielberg. But there is. It’s important to utilize every opportunity. always tomorrow after you have done your best to achieve success today. and as far as necessary.Resourcefulness Lifemoney Currency “Remember you will not always win. reach out as often. Don’t limit your dreams by limiting your scope. every one of those people was a resource in creating his latest masterpiece. that can put you closer to reaching your ultimate goals.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. in this case. might be the director. but stick around for the credits after his next movie. services and know-how you need to create Lifemoney. 131 . Some days. to get the information. small and large. the most resourceful individual will taste defeat. Try to count how many names are listed at the end of the film.
_____ 5. _____ 3. ideas. Lifemoney Currency “Some people say it’s not what you know.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with. _____ 1. Searching and learning is where the miracle process all begins. I plan to visit a library. I believe learning is the beginning of wealth. I will read new material that relates to the pursuit of my goals. _____ 2. _____ 9. I will take a class or seminar related to one or more of my goals. and then tally your score. _____ 4. _____ 6.” 132 . _____ 7. school or online special interest group. I will keep my eyes open for a mentor. Learning is the beginning of spirituality. _____ 10.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. and observations. but who you know.Brad Turk . I will enthusiastically seek information like a kid. I plan to read an autobiography of a famous leader who inspires me. Learning is the beginning of health. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. I will network with people I know to find expertise beyond my circle. I say. _____ 8. find the people you need to know and introduce yourself. giving yourself 10 points for each checkmark and 0 points for any left blank.
Now I want to talk to you about the one Lifemoney skill that might be the most important to anyone wishing success in life: creativity. objectifying your goal. They are your real wealth. These include visualization. He bought the property in 1977 when that part of New York City was in terrible shape. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. asking big and avoiding the herd mentality. Trump had no 133 . 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. directly across the street from Grand Central Station. your Lifemoney.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.
You’ll work out the bugs of a process that will move you closer to your goal. if you want to get into real estate. or when it becomes increasingly difficult to see yourself in the winner’s circle. imagine yourself doing it. What’s it worth to you? When you’re ready to give up on your dream. See yourself inspecting the houses. noticing colors of paint and the condition of the neighborhood. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. Picture your home office with all the things you would use in a public office—computer. Now. it becomes more tangible. If you want to operate your own business instead of working for someone else. fax. step by step. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. this proven 138 . This isn’t fantasy or play-acting. Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. it’s time to shift gears and visualize it. Avoid the herd mentality. Visualization is when you mentally create an image of yourself accomplishing the desired objective. so keep your thoughts positive and stay focused. copier. 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.Lifemoney 5. and telephone. For example. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. Your body will do what your brain focuses on. Notice even small things like the shoes on your feet and the color of your clothes.
Take responsibility to hold those images in your mind. 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.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. Do what you can to make a real “object” out of your goal. To date. and I still have the toy versions to help me remember to make my dreams real. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. Those that fail to reach their dreams are often letting their positive visualizations vanish. good or bad. Sometimes having that physical object can help make an abstract idea seem more real. I have had both of these cars. There is no substitute for keeping the proper image in your mind at all times. All success starts in your mind. Why? Because you will create whatever you’re visualizing. your accomplishments and your dreams? Some 139 . Lifemoney Currency “Visualization is daydreaming with a purpose. Look at your workspace. but our brains respond better to the real thing. whether at home or at the office.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500. That is a conscious choice. Do you keep a special object to remind you of your roots. an action you take. Acquiring anything starts with imagining it constantly.
A miniature horse that fits in your palm could be the symbol of your future breeding farm. the one he died on. Who do you think is more positively driven? Around her neck. The key belonged to her late brother’s motorcycle. Chances are you have a framed photo. The object for your personal goal might be something that brings to mind your dream. or another small. whether past. 140 . A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. present or future. Real objects have power. It also keeps her motivated and helps as a reminder of how precious life is. Whatever you choose. If you don’t. This is especially important in creating objects that represent your personal goals. start collecting those things and placing them around you. Queen Latifah wears a key on a chain. seemingly insignificant object that reminds you of something very important. an award or commemorative gift. it should be something that reminds you of and keeps you motivated to achieve your dreams. 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. Dieters sometimes buy clothing in the size they want to be rather than what they are now.Lifemoney people have desks covered with trophies and some have desks covered with bills. and how important it is to enjoy every minute. and she keeps it near her heart as a reminder of how much she misses him.
When we went into the place I was very disappointed. he explained to me that this was a great deal. After bothering the agent. From his perspective it was good that the place 141 . I looked at my friend as if to say. What I saw as a negative. He buys a lot of properties. He asked more questions. just before Thanksgiving 1995. it seemed I got the truth out of him. And then. It looked like a hurricane had come through and no one bothered to clean up after. I put it in my wallet and it deteriorated.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995. Although I loved the building and the area. crunched some numbers and while we were sitting down for coffee afterwards.” But David wasn’t quite ready to leave. I found out I was going to make ten million dollars for Dumb & Dumber.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. “We’re out of here. my friend saw as a positive. I thought I knew something about real estate and I asked the agent how long the place had been on the market. manages some and sells the others. the actual apartment was terrible. I remember him helping me out once when I was looking for a small rental property. His success is attributed to seeing what’s not there and being open minded about what can happen. I put that check in the casket with my father because it was our dream together. and he informed me they had been trying to sell it for over a year. Well. that was it for me.
Creativity Factor #4: Ask big There is huge power in learning to ask big.000. By shifting perspective. does medical billing and is the office manager for a doctor’s office. 142 . She envied my work schedule and the fact that I could arrange my days as I saw fit. She wanted the ability to occasionally pick up her son from school and also did not want to be tied down to the typical 9-5 work week. How? We were able to get the price from $165.000 co-op for $175. She is good at her job and has been with the same company for over 10 years. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. My girlfriend. After David did the math with me. she really wanted a more flexible schedule. Most people who walked in there did not see the value of the place and could not picture what the place could look like. So try! It is a valuable lifemoney skill that can translate into big cash money.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200.000 and after spending $25. Although Liz was happy with the money she made and her success in what she did.000 down to $150. Anybody can see what’s obvious but only a few can see potential. David helped me to see the real value of that deal. Liz. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. You can do this in your own life. it appeared that I would be buying a $200.Lifemoney was a wreck and was on the market for so long. 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.
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
Don’t let yours go to waste. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. 147 .” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. and then figure your score. Lifemoney Currency “A problem is a chance for you to do your best thinking. _____ 5. _____ 3. I seek out new perspectives to old problems. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 2. _____ 4. Remember that one of the most important aspects of creativity isn’t seeing what’s there. 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. Take the time to evaluate your situation and try a creative approach. Make the time. Engage your creativity now by taking stock of your situation. I can visualize my success through a variety of mental pictures. I have objects around me that symbolize the success I seek. but seeing what’s not there. and invest the energy in some creative thinking about going after the things you want.Creativity Creativity Summary Why wait for your dreams to happen when you have more time? You will probably never get more time to chase them than you have right now.
I avoid the herd mentality at all costs.Lifemoney _____ 6. _____ 7. _____ 10.” -Brad Turk 148 . Lifemoney Currency “Just because something isn’t being done. I make detailed mental images of what I want. I keep asking bigger questions to spur my creativity. I know when I ask boldly. _____ 8. _____ 9. doesn’t mean you can’t do it. I will use creativity to help me attain my goals. great possibilities are created. hasn’t been done or looks like it can’t be done.
everyone benefits” -Daniel Goleman Overview I am going to introduce you to my very simple and powerful twelve-steps to becoming a more persuasive and accomplished people person. So learning to interface with other people is vital to realizing your goals. Understanding how others work and the mechanics of how they think will be crucial in gaining the support you need to get what you want out of life. if people get better at these people skills. but it should make your life experience more rewarding as well. getting others involved will be a major key to your success. For almost any goal you may have. 149 . professional and powerful way will not only aid you in achieving your objectives.People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. Using people skills in a competent.
As an example. that she would get the sales in. Amazingly. I knew first hand. I was managing a staff of 8 sales people who all had extremely different personalities. He once told me about his only uncle. and he needed a couple of days to 150 . I had one rep who was just like I was as a salesperson. that one of the biggest problems in how they managed was that they had a uniform way of doing things. Their “House Rules” were specific to how they thought a salesperson should be. I had a salesperson who was one of the most charismatic people you could meet. On the other hand. I knew she was a hard worker. I saw from past managers that I have had. that same uncle died again. who he missed that had passed away about a year before. Using my Lifemoney Lesson # 8. out sick. I provided them the resources to work in an environment where they could thrive. hard working and considered her sales position as her own small business that she was managing. or had an excuse for something going wrong. During that time. He was always late. I quickly realized that to deal with people effectively you really need to understand what motivates them. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). was amazing at building relationships and closing deals but was also one of the laziest people I have ever met.Lifemoney While I was at MCI. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. They were men and women of different races and backgrounds. and that I could not work her harder than she would work herself. He had so many excuses that he was losing track of them. that we are all different and had different needs. She was self motivated. from being a salesperson. I worked as a manager for a short period of time. I did for her what I wanted my sales manger to do for me – I stayed out of her way.
So to get the most out of people and to win them over to your cause. some I still have to this day. you need to know what their needs are. I treated him how he needed to be treated. Shared sorrow is half a sorrow. Lifemoney Currency “Shared joy is a double joy.People grieve. 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 . and at least once every day gave him a swift kick in the ass.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. I micromanaged him. but it allowed me to really connect to my reps and form lasting friendships. He later thanked me for helping him. Be as specific as you can. and told me that he needed that treatment to get him where he wanted to go. Think of a past problem you had with a specific person. especially when it comes to dealing with people. Are you a people person? Few of us respond to every situation in perfect form. Not only was this experience a financial success for me. Anyway.
even dealing with people – especially dealing with people – requires proper planning. everything. 152 . Step # 1: Be a Good Listener People want to be heard and understood. standing in the gap to close it for us.” -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. When it is your turn to listen.Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. of preparing yourself to deal with people rather than doing so on instinct or history. For relationships to be mutually valuable you must build a bridge that goes two-ways. there are lanes for incoming and offloading traffic. or rhythm. Get into the habit. The primary way we communicate with others is through conversation. Lifemoney Currency “Every one of us gets through the tough times because somebody is there. Listen. do not speak. Success doesn’t happen by accident. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. Conversation involves someone speaking and someone listening.
but he also remarked about how interesting a person I was and how I would be a perfect fit for the position. this guy not only offered me the job. I will tell you a funny story about a job interview I once had. Let the other person speak – while you LISTEN. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. their needs and their accomplishments. Ask questions. we did not get to discuss my history. listen with a reason. Everyone’s favorite topic of discussion is themselves. let them talk about their skills. find out about them. advice or assistance. 153 . It turned out to be a win/win for us both. Watch for opportunities to offer empathy. Yet. You can’t learn from them if you’re talking. Smile. Because I took an interest in him. Be enthusiastic about what they are talking about and who they are. Keep in mind he found me so interesting and I barely said a word. When you talk to others. At the beginning of the interview. not just another segue to a story about yourself. at the end of our meeting. people like people who like them. If you really take an interest in what they are saying you might learn something. it seemed as if we did not even speak about me. He was so excited to talk about himself and his experiences that at the end of an hour. Step # 2: Take an Interest in People When you listen.People To demonstrate how much people want and need to express themselves and feel understood. If you want to win them over. Although I knew my resume would be suitable for the position. I asked the interviewer a few key questions about himself and what had made him successful in his career. he took an interest in me. Try and put yourself in their shoes. Again.
and telling your stories. If this sounds fairly one-sided. Try it and see how it works. brag or whatever they wish. at first. Don’t take that away by changing the subject to you. The more you listen to others. Most people react in a negative way due to circumstances. They’re getting enjoyment out of reliving an experience or sharing an insight. Even though you can relate to the story because of your expertise. the more they’ll learn by example and start paying you back– by listening to YOU. 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. you only aggravate yourself. the more two-way they’ll become. In building up conflict instead of offering genuine kindness. But the funny thing about building these bridges is they work both ways. you don’t have to interject your knowledge or skills. 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.Lifemoney Let’s say that you are a very good racquetball player. Let the other person feel important and appreciated. Step # 3: Don’t Undermine – Understand It’s easy to criticize. Let the person tell the story. But you need to be genuinely nice. The gift you are giving is worth far more than anything you might hope to gain from turning the focus of the conversation to you. Some people are just genuinely grumpy or mean – but these people are not the majority. and someone you are talking to tells you about a game of racquetball they played. Have faith and patience that the longer these relationships last. 154 . it might be. 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’ll benefit in surprising ways including helping you better understand how to realize your own dreams. was a terrified boy.cfm?pageid=102.” 155 . On the way to work you get stuck in traffic due to road construction.org/i4a/pages/index. Maybe you weren’t feeling well. 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.” said the nobleman. he heard a cry for help coming from a nearby bog.winstonchurchill.People Think back to a bad day you had recently. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. Farmer Fleming saved the lad from what could have been a slow and terrifying death. even though you typically arrive on time. “You saved my son’s life. Crazy things happen when you reach out to people and pay some kindnesses forward. 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. There. “I want to repay you. Then the boss yells at you for being late. Maybe you got up on the wrong side of the bed. He dropped his tools and ran to the bog. The next day. His name was Fleming. mired to his waist in black muck. while trying to make a living for his family. a fancy carriage pulled up to the Scotsman’s sparse surroundings. and he was a poor Scottish farmer. screaming and struggling to free himself. One day.
Farmer Fleming’s son attended the very best schools and. Mary’s Hospital Medical School in London. he’ll no doubt grow to be a man we both will be proud of. I know it is because I never really made a true attempt to focus on remembering them. I can’t accept payment for what I did. the farmer’s own son came to the door of the family hovel. but I think people can tell when you don’t remember their names. and went on to become known throughout the world as the noted Sir Alexander Fleming.” the Scottish farmer replied waving off the offer. graduated from St.Lifemoney “No. At that moment. “I’ll make you a deal. Years afterward. If the lad is anything like his father. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. This not only looks bad. the same nobleman’s son who was saved from the bog was stricken with pneumonia.” And that he did. and it’s a little bit insulting. His son’s name? Sir Winston Churchill. in time. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. “Yes. the discoverer of penicillin. The name of the nobleman? Lord Randolph Churchill. 156 .” the farmer replied proudly. “Is that your son?” The nobleman asked. What saved his life this time? Penicillin. Let me provide him with the level of education my own son will enjoy.
“Nice to meet you. Brian.People I would suggest you develop a system that helps you put greater effort into this huge priority. If their name is “Brad” and they look like Brad Pitt. Brian. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. the intangible benefits of having their name 157 . For instance.” Another popular technique is to associate their name with something visually unusual. 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 meeting you. One idea is to repeat the person’s name out loud a few times during the introduction. they will be interested in helping you in exchange. How do you do that? Ever hear the term WIIFM? It’s “What’s In It For Me!” Most likely your best bet in getting help from someone is to show them what they are going to get in return! I think about this all the time when I’m trying to influence people to help me.” You get the idea. 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. Let’s talk about that sometime. but I will stress what’s in it for them: a great rate of return. Let’s say for example that I need help with financing a business deal that’s important to me. “glad Brad. These little tricks work amazingly well and are well worth the time it takes to practice them. But if they look like they’re very tired and sad. it’s easy. the value of the proposed deal. Where do you work? Is that right? Sounds interesting. Again. you might think “sad Brad” or if they look happy.
too. a case of beer or concert tickets. how 158 . …you get the idea. but the level of intensity – time. All you will do is make the other person feel bad. inferior. and how can I give it to them?” I am not saying you can’t get help any other way. I’m always thinking “what do they want. a coworker or a friend.Lifemoney associated with the project. The winner of an argument in real life is often the loser in the relationship. offer to help. That only happens in courts in front of judges. 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. Those few hours spent pounding nails or carrying lumber might turn out to be the best investment you ever make if your friend has some useful tips or suggestions for helping you reach your goals more quickly. stupid and embarrassed. energy and commitment – will be that much greater if you provide people with something they want. when they did help. If a friend is remodeling a kitchen. they would have behaved differently. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. whether a free meal. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. the fun we can have together as a team. Remember that getting the support you want depends in part on providing others with what they need. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. 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.
and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. Step # 8: Think Before You Speak In any discussion. Wait for your opinion to be asked before shoving it at someone. Arguments. Speak from a calm center. I make a big distinction between arguing and disagreeing. people argue because they are hurt. be it personal or professional. Keep in mind that everyone is born equal and deserves to be treated that way. Don’t act rashly or lash out. even if it’s negative communication. Think your words through. do nothing but harm. no one is impressed. 159 . don’t tell.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. Don’t brag. Don’t give advice unless it is requested. Didn’t you just hate to hear that person’s voice on the phone or see her face at the door? Don’t become one of those pushy. Don’t speak out of anger. Show. Think about someone in your past that pushed unwanted advice on you. particularly defensive and mean ones. be self-controlled. Disagreements on the other hand can be powerful sources of new information and a chance to grow. Always try to look inward to the core issue. Often. Let others mention your accomplishments before you do. Relax. upset or just want to communicate with someone they care about. aggressive individuals that think they know it all. and even then be careful.
Just remain calm and don’t shoot your mouth 160 . Everyone makes mistakes and will disappoint you at some point. Don’t cry or whine over any of this. 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. Shake hands firmly and introduce yourself when around new people. This may seem like a small thing. Step # 10: No Whining Allowed No one likes a whiner. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. but he never called or wrote to say thanks. Or you might have helped a coworker with a difficult project. Some of those mistakes will be at your expense. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. It’s not that your problems are unimportant. even after working hours of unpaid overtime. 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. It makes a deep and lasting impression that money can’t buy. You would be surprised how far all of this will take you in building relationships. but received no sense of appreciation. From time to time you may even take the blame for something that isn’t your fault. but it’s extremely important.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. but we all have problems. Look people in the eye and give them respect when you speak to them. To get along in this world without becoming an irritating whiner. Can you look back on a time when you did something nice and the person didn’t even mention it? Maybe you mailed a gift to a relative. lower your expectations of others and increase them for yourself. Take courtesy even further. Always say please when asking for something.
especially in business. time is their most valuable asset. Your word means everything. chances are your credibility will be shot for all that you do. The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. 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. to a successful person. When people know you are dependable. being late is a sign of disrespect for someone else’s time. 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. Even if it is just to arrive to a meeting at a certain time. but this true story illustrates how sensitive some people are to lateness. I know this is extreme and there are times when being late can’t be avoided. 161 . If you can’t be trusted on one issue. more opportunities will be sent your way. As I mentioned. Also.People off and burn bridges. Step # 11: Your Word is Your Bond Do what you say you are going to do. You never know when you might have to go back the way you came and deal with that person again under better circumstances. I had an appointment with someone and I showed up 15 minutes late.
You probably already know who some of these “avoidable” people are. If you don’t like 162 . while your reputation is merely what others think you are. Problem people often hide in plain sight. politely let them that you will get in touch when you have time. put you down or turn you off.” -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. because your character is what you really are. 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. don’t be afraid to cut ties totally. like fishing or playing cards. They can be so-called “pals” who don’t believe in you. but you have to put first things first if you ever plan to reach your goals. or that costs you plenty when it does get a running start.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. It’s not that you can never enjoy recreational time. They may be hardheaded bosses who refuse to think out of the box. If it’s someone who is really just negative and brings you down. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return. or who tell you to give up because you have more important things to do. To get rid of the people who will hold you back.
It’s not quitting if you’re the one doing the choosing. A motivator can be anyone who trusts you to follow your dreams. Either way. or they may be a total stranger. In fact. If they’re nearby. They might be a good friend who listens while you describe the goal you want to reach. it’s simply a move in a new direction. make sure that you’re always riding the right bus for you. Either way you’ll know these motivators because you’ll feel an instant attraction to them. And the more you hunt for them the more they will be attracted to you. cling to them. Just as you must get rid of the people who will drag you down. They’re a little harder to find. Find a new bus or another means to get there. quite literally. seek them out. 163 . as well as your plan for getting there. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. It might be a mentor who leads by example or.People where the bus is going or you changed your mind in the direction you want to take – get off. the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. for every troublemaker you tell to hit the road – or get off your bus – make sure to pick up a motivator or two as a replacement. if they’re far away. you must also make room in your life for the motivators.
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. Then magic happens. This is the best way I know of to master this list.” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson. goal-oriented people who encourage and inspire you. Associate with positive. keep using it until you don’t think about using it anymore because it’s so natural.Lifemoney Lifemoney Currency “Get around the right people. In fact. Don’t move off to try another one until you’ve seen results with the first one. What’s the best way to learn them? Choose any one of these and use it today.” -Brad Turk 164 . Lifemoney Currency “One skill you act on is better than 12 that you don’t.
_____ 8. and then tally your score. Lifemoney Currency “Find people to make up for your lack of know-how and. I keep to my word. _____ 2. I have a good sense of which people to pursue and which to avoid.People Millionaire’s Checklist: Check all the items below that you agree with. I try to stay calm and avoid arguments. I make efforts to express appreciation and good manners to others. although I can politely disagree. _____ 10. A huge part of receiving is giving. _____ 9. _____ 6. eventually. you WILL know-how. _____ 5. I always remember the “what’s in it for me” rule. I don’t whine. I am learning to be a good listener. I understand the value of tolerance when dealing with difficult people. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 7.” -Brad Turk 165 . and I often make efforts to give without expectation of receiving anything _____ 4. I am taking an active interest in people _____ 3.
you'll start having positive results. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction. This talks about some of the things I’ve found useful in creating a positive mind. Where’s Your Head At? Which of these statements sounds most like something you’d say to yourself: I am going to reach my goals and fulfill my dreams! or I am going to try to reach my goals but it’s going to be hard because… 166 . a well maintained attitude and a “no excuses” outlook.” -Willie Nelson Overview Someone once said. What you believe you’re going to get in life is pretty much what you’re going to get. whether you believe you will or you won’t – you’re probably right.Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones.
happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college. On the contrary. believe that it can happen and know that you have what it takes to make it happen. I figured she would have far fewer worries than other people! In getting to know her. I don’t know if it was her beauty. I was amazed to see how miserable she was. 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. and whichever direction you take in your mind will probably dictate your destiny. it appeared she had everything that a person could want.Positively Thinking Do you believe you can reach your goals. When I finally had the chance to meet her personally. From the outside looking in. you create road blocks that stop you from achieving your goals. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. The Multi-Millionaire Blues A good example of how attitude. 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 negative. her money. or do you think that it probably won’t happen for you? This question is like a fork in the road. You just have to know that you’re heading in the right direction. if you focus on the positive. It appeared that everything annoyed her and she was never happy. He was both successful in his field and wealthy. I saw her complaining everyday about what I thought were very trivial things. or the fame of her dad but everyone in school wanted to be near her. Her father had been an executive producer of some very well known films. you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. 167 .
It’s not what you have but how you perceive things that really counts. So don’t worry about what you can’t do. 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. Though you have no control over the actions of others. focus on what you can do. 168 . what you attract into your life and your ultimate success. Maybe you come from a family with many losers and too few winners. They complain about all the ways in which other people or circumstances are standing in their way. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. “He’s the reason I can’t get ahead” or “If that hadn’t happened I would be rich by now” are just excuses for not taking responsibility for their own lives. You might feel as though you are destined to continue the long line of defeat. 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. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. and say. I heard a few years later that she had attempted suicide. Maybe you will be the one family member who can show the others that success is possible? That would be a wonderful Lifemoney gift to give them. do. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure.Lifemoney I stayed away from her negativity and did not associate too much with her. you do have complete control over what you choose to think.
You have even more desire to do better than others may have.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. You dream 169 . STOP! Forget the excuses! If you grew up poor – good. If you catch yourself repeating the complaints above. If you grew up wealthy – good. there is nothing stopping you from becoming all that you dream of becoming. I was able to become wealthy.” Your mind is yours.Positively Thinking Practice turning negatives into positives. so use it positively. It starts in your head with your mental remote and plays out in reality. If you feel yourself beginning to argue with me. Change the channel and play the role starting now. I want you to understand that you’re holding the remote in your hand to switch to that channel. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. you better change your mental channel. How do you work this “mental” remote? If you act like you are already successful the achievements you want and deserve become a near certainty. You have the resources others don’t have. In America. 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. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. Lifemoney Currency “Just can’t live that negative way…make way for the positive day.
List five failures that caused setbacks in your life. took it on as his personal goal. that had to be coupled with hard work and long hours in the gym. Get your mind on the right channel and the body will do its part to follow the plan. He visualized it. but he said that all the intense effort and workouts did not give him the extra edge that he needed. Arnold Schwarzenegger went into every competition thinking he was the winner. you work hard to get it. The mind rules over every part of the body. and explain how you will avoid one of those failures in the future. 170 . Do it and watch how your outlook brightens. 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. you have a smart plan. Also. Obviously.Lifemoney it. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. and guess what? It’s yours. 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. you implement your plan. write down a lesson you learned from this failure. and owned the feeling of a champion. This attitude and confidence spread and led everyone else to believe the same. Goal Achievement Exercise T Take out your Workbook.
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. but it does happen. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 . -Thomas Edison Don’t Complain . Which have you been? Be honest with yourself.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success. Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by. Rather they give years of their lives charting a positive course and expecting greatness. Looking back have you been a complainer or a fixer? If you had it to do over. But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking. would you handle things differently? If so. Understand that a positive mindset happens first. It usually doesn’t happen overnight. They have a mental certainty that what they’re doing will lead them right to where they want to be. Negative people complain about things and positive people fix things.Positively Thinking Lifemoney Currency “Many of life’s failures are people who did not realize how close they were to success when they gave up”. If you want a piece of the action. a Donald Trump in real estate or a Jay-Z in the studio.
and get frustrated. Instead of whining about what you don’t have. an inspiration. especially if it was a thought that stopped you. Make a mental note not to miss these kinds of opportunities again. How do you do that? You’ve heard me say that we cannot always control the events in our lives. Why? Negative thinkers typically think that they’re stuck and will be miserable forever. and a role model. but we can control our responses to them and the actions we take as a result. Is stress holding you back? Stress is often closely linked with a negative mental attitude. The solution is to stop complaining and fix your attitude. that a former teacher encouraged because you secretly had no confidence in your ability. and never feel played out. These are all signs of a distressed and negative mindset. Positive thinkers are always focusing on ways to positively impact their world. Begin positive. did a previous employer offer to pay the tuition for you to return to school. The same is true about anxiety. stay open and be ready to jump into action.Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. like drawing. People are much more likely to admire and support you if you adopt this mindset in your everyday life. 172 . Begin using positive thinking to search for new ways to impact your life. but you didn’t go? Perhaps you thought “I’m too old” or “I don’t have the time right now”? Maybe you failed to follow up on a special talent or skill. If you want people’s attention. get it in positive ways by becoming an encourager. start looking for what you can get.
Make the list with a new sense of optimism and hopefulness. Make a list of opportunities from the past that were missed due to negative thinking. anyone can start from now and make a brand new ending. When you’ve completed this list. Include options like going back to school. or relationship opportunities. make a new list of potential opportunities for the future. These could include lost academic.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. employment. cultivating new relationships (or restoring old ones).” -Winston Churchill 173 . developing new skills. overcoming a bad habit.” -Anonymous Goal Achievement Exercise U Take out your Workbook. 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. That’s a great first step in positive thinking. Lifemoney Currency “Attitude is a little thing that makes a big difference.
Some famous examples include Beethoven. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. 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. broadcaster 174 . or at least their little piece of it. Lifemoney Currency “Adversity is another way to measure the greatness of individuals.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. football coach. who minus sight and hearing became a model of inspiration to others. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life.” -Lou Holtz. Positive thinking sets them on a course for achievement. Often when we look at successful people we only see the end result without understanding what they had to go through to get where they are today. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. Helen Keller. whose deafness did not stop him from composing classic musical compositions. I never had a crisis that didn’t make me stronger.
And if they did laugh. Most people don’t remember what even great speakers say! Besides. Think about something that you are afraid to do because you think you might fail. What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. Instead think in terms of best case/worst case. Then take on life without apology or embarrassment. You may submit a proposal and wait months before 175 . who is going to think twice about your errors after they arrive home that night? It would never happen. many of our efforts don’t bring immediate results. so what? Who cares? Besides. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. so you’re already way ahead of them. So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. Lifemoney Currency “The only disability in life is a bad attitude” -Scott Hamilton Keep It Moving Unlike a great speech where you get immediate feedback. 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. most people in your audience would rather die than speak.Positively Thinking Worst Case . Don’t be intimidated by life situations like this.Best Case Try this experiment to create more positive thinking.
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. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. why not be positive. It’s time for a change. Everyone faces down times. Without those first small steps there could be no end result worth noting. lack of feedback can lead to negative thinking.Lifemoney getting a reply. 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. This relationship is going nowhere. Teach yourself to stay positive even if nothing great appears to be happening and keep it moving anyway if it is helping you reach your goals. 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. 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. Unless you’re prepared to wait. She’s probably like all the others. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. 176 . 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.
They rob you of positive energy and momentum. going back to college at 40. it may seem unreachable at first. The key is to quickly counter the negative talk the instant you recognize it. Create a Repeatable Success Thought When you set your sights on a distant goal. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. or climbing to the top of your profession may seem unachievable at first. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. the faster your mind will change into a direction that goes forward. trying to get into graduate school. Really look carefully at these statements for a moment. We ought to try a little longer in case this turns out to be something good.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. The idea is to simply stop thinking negatively and to find something good to say “yes” to. For example. especially if others are telling you it won’t happen. I’m going to call her and plan something exciting. 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. 177 . Or maybe the girl has a habit that reminds you of someone you used to date. But that is the time to push the envelope to reach your dream.
Goal Achievement Exercise V Take out your Workbook. Be specific and limited. I will take my wife to Hawaii next year. “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. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. To avoid negative self-talk and track negative thoughts. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1. The more you say it. Make your success thought as specific as possible. write down positively phrased replacement terms you can use as success thoughts. I will speak up at today’s meeting.” (Too short and vague) 178 .” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. I call these “success thoughts.” (Too long and detailed) 2. “I’ll stop spending. the sooner you will believe it. and repeat it often. Nothing can block my success. I do not need second helpings. Don’t write long sentences or anything that is too short or vague.
and you have to fight. “I’ll use just one credit card.” (Positive. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance. Instead.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. “I’ll pay my balance each month.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. pre-recorded message that reminds you to stay on track. specific and helpful) 2. but the important thing is to think positive. detailed and valuable) Use your imagination to come up with more positive statements like these. After a few weeks.” (Positive. it’s how you view them and what you do about them that matters.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. update the success thought for a related goal. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. Lifemoney Currency “Anything is possible. such as. 179 . When you fall down. but you have to think positive. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. “I won’t charge more than $50 weekly. Everyone makes mistakes.
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. Although others may have held you back at one time or another or you may have to seek help to reach your goal. 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. Keep focused on what you want. Think about the things that are positive in your life. Don’t let anything keep you from getting it.” 180 .Lifemoney Don’t let past failures hold you back.
_____ 3. _____ 8. I can see how past accomplishments have prepared me for the future. _____ 9. I will continue viewing myself as a winner.Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. I repeat success thoughts to myself as often as possible. not a loser. I will not let others’ pessimism interfere with my plans to reach my goals. Lifemoney Currency “Some view the glass as half empty. _____ 10. _____ 7. proactive thinking. _____ 2. giving yourself 10 points for each checkmark and 0 points for any left blank. I keep moving ahead even though I’m not getting immediately rewarded. _____ 1. _____ 6.” -Brad Turk 181 . I view the glass as half full. I am learning to manage personal and job-related stress by positive. I refuse to hold on to negativity and past misbehaviors. but rather. I am making consistent efforts not to complain. to fix my situation. _____ 5. I am watching for opportunities to say yes to. _____ 4. I will act as if I’m in the role I want to play. some view the glass as half full. with the waiter on his way over to fill it up. and then tally your score.
it turns denying yourself into investing in yourself.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. When you recognize that sacrifice is frequently a part of success. If we could find a way we’d have it yesterday. Not true.” -Evel Knievel Overview Few of us do well with sacrifice. I had surgery 14 times to pin and plate. We want it all. I forget all of the things that have broke. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. I shattered my pelvis. But I have broken 35 bones. They say I have broken every bone in my body. We want it now. Successful people know that dreams don’t come pre-packaged overnight. 182 . it just doesn’t come naturally.
Ask filmmaker Spike Lee. In 1986.100. would you? 183 . Why? Because they work hard.000 in sales.Sacrifice Borrow. rigorous job to get where they want to go. Many immigrants come to this country with nothing but the shirt on their backs.000 to make the movie and it grossed $7. I will tell you right off the bat that I wouldn’t be. This much I can tell you. but I can tell you that Spike would probably say yes. sacrifice is often a part of any success story. store or business. you have to make those kinds of sacrifices. Spike Lee knows that sacrifice can pay off .000. It’s a real risky strategy but sometimes when you believe in something strongly enough. to get his first film project. But if that was the only way. sleeping just a few hours a day. Within a generation. some become millionaires. They lay everything they have on the line. She’s Gotta Have It. They are simply unwilling to sacrifice anything to get where they want to go. there are people who were born in this country who complain about the lack of jobs. 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. Since then Spike Lee has produced at least 22 other films that have made over $433. grateful for the opportunity to have all the work they can handle.000 in domestic box office sales. It cost him $175. off the ground he did just that. Some work two and three shifts for years at a time. saving every penny to open a restaurant. Yet. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants. Was the sacrifice worth it? You’d need to ask him.big time! Big or small. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying.
These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. Lifemoney Currency “Judge your success by what you had to give up to get it. 184 . Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. took a job as an insurance salesperson straight out of college. 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. at almost any cost. He had to sacrifice his nights and his only free time in order to get where he wanted to go. Pulitzer Prize winning political cartoonist.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. There were no shortcuts to success. 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.” -Dali Lama Sacrificing for Success Mike Luckovich.
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. Ideals are not cheap. They are costly and precious. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. spent months in prison rather than surrender his belief in equal rights for all people. or he might have gotten discouraged and given up. and giving up your weekly poker game to play tennis. List the tradeoffs you are willing to make to reach one of your goals. Below the goal you just wrote. your sacrifices could include six hours of your time each week for daily workouts.. and I can’t make up your mind for you. Goal Achievement Exercise W Take out your Workbook. or is your goal just a casual want? Only you know. etc. and you will have to be ready to give it when the time comes. 185 .Sacrifice Martin Luther King. list three things you now do. Jr. What do you have in your life now that is expendable.. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. improving the lives of millions of people. I am committed to helping you get where you want to go. $100 per month for a gym membership. He could have taken the easy route to avoid jail time. For example. 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. But he stuck with it. Choose one of your goals and write it out. You have to be willing to do whatever it takes to claim them. and/or enjoy that you are willing to part with in exchange for your goal. However. if becoming more physically fit is one of your goals.
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.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. Whether it costs $20 or $200.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. If you could just reach out and get them today. Imagine a scenario of two young women. when you do reach your goals. They’re both chasing the same dream: business success. you proudly go out and purchase the gift. When you get enough. presenting it to your friend or loved one with a sense of tremendous accomplishment. One is given everything by rich parents who buy her everything she needs and most things she wants. But as we’ve seen that’s not always the case. 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 will mean the world to you because of what it cost to reach them. you eagerly add a few dollars here and there to save up the needed amount. You can view your goals in the same way. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. there would be no effort or cost attached—and they would mean very little. But after years of careful thought and unwavering perseverance. Success has value because you have to work for it – you earn it. Which one do you think 186 .
• • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. That cost is part of the joy of success. 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. But no plan is complete without counting the cost of reaching your objectives. “anything worth having is worth working for. or taking a class. Put less important things on hold. at least temporarily. Are you ready to figure out what it will cost in time.” Do you feel that way about your road to success. or run into problems.Sacrifice appreciates the success more? You know the answer. In planning for your future. 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. Find the non-essential time-eaters in my life and eliminate them. have a question. Why does she appreciate it more? It’s common sense that when you pour out your own blood. write a book. 187 . sweat and tears for something you’ll own it in a way that nobody else can appreciate. money. volunteering. You’ve probably heard the saying. etc. Develop a needed skill through a second job. you have already begun to outline some of the goals you hope to reach and have created a plan to get there. Seek help when I get stumped.). Invest a certain amount of income toward reaching my goal(s). Period. Get feedback from those who already have accomplished similar goals.
They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal.” -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. 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. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. It’s a simple fact of life. there will be nothing left. you will have enough for today and tomorrow.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. But if you save and invest it. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. Underachievers live for the day and overachievers live for the future. 188 . but less than twenty percent of the population do so. If you spend all you have. too.
List one or two tasks you will have to complete before you get your reward. almost any achievement in the world will become immediately more achievable. When you have successfully conquered the need for instant gratification. Instead. eat some ice cream. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. go shopping. This might challenge you and be a little difficult. It might be go for a walk. When you think about it. Goal Achievement Exercise X Take out your Workbook. In other words we’re doing it anyway. Do this exercise well and discover how much more you get done and how much better you feel. list something you will get done before you have your fun. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow.Sacrifice Delaying gratification is something you get used to. etc. List two or three fun things you want to do today. Make sure that those things on your list are things you really want to do. play tennis. many areas of our lives undergo postponement. Let’s build your ability to delay gratification. All of these things take patience. every other week. which in the end brings it own kind of reward. For example most of us don’t get paid for our work at the end of each day. or at the end of the month. Then underneath each item you expect to give yourself today. Often we don’t find out about a medical test result for several weeks. watch your favorite television program. 189 . we collect paychecks every week.
Because I know if I do. and social activities. especially if you begin with a reasonable amount. and it may seem difficult at first to find enough extra income to make regular deposits. setting aside time for future rewards is like making deposits in a savings account. Many goals that seem hard at first become easier once you get momentum established.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. Most of us lead busy lives. this could involve reading. But actually. family. I don’t do things half-heartedly. then I can expect halfhearted results. But with a little effort. the results will come. so you will never miss the amount of each savings account deposit. Finding time to work on long-range goals may seem impractical. pulling the trigger and going for it. We barely have enough time to get through a typical day with the demands of work. you can arrange for a direct deposit straight from your paycheck. The same is true for working toward your future goals. Depending on what you hope to achieve someday. But you won’t know that until you pull the trigger and get moving. You may be reluctant to open a bank account. say $25 per month. making community contacts. doing 190 . Start small.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. Just do it. So do it. Devote fifteen to thirty minutes several days a week to your goals.
you will be rewarded.Sacrifice volunteer service. visit with your representative. Sometimes it seems unfair. keep in mind that you may have to work through several levels of effort to reach them. if you want to get involved in local government. Whatever it is you must give up. You put in 191 . Everyone has to pay their dues as they work. you may need to first attend some political rallies. do it. 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. And keep pulling the trigger at each “next” level of achievement you’re taking. that if you can’t tell which half. But if you keep pulling the action and sacrifice trigger. Naturally. then you have to keep on doing the whole lot. Remember that one of the keys to success is to learn everything about the role you want to play.’ but he didn’t know which half. For example. Whatever your goal. or volunteer as an aide to learn the ropes. His point was. None of those tasks took a long time – but each one was a step toward realizing a goal. so pull the trigger now and get your show rolling. of course. fully aware that not all of it will produce rewards. 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. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. Life is a bit like that. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. from the inside out. this means you’ll have to give up something in exchange for this valuable daily time. Pull the trigger already. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar.
Well.or for what -.” This quote summarizes a great lesson I’ve learned throughout my successes.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure. I know it isn’t fair. It reads: 192 . It’s a simple lesson that has never failed to produce great results for me. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work. you have to keep doing the 100% because you don’t know which bits will pay off. 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. Your efforts will be rewarded eventually. but then life isn’t. The lesson is that you must continually give 100% effort in the direction of your dreams. engraved there to inspire the youth of that school.and which aren’t. This is the shadowland of hope.Lifemoney loads of effort and get nothing back. and others cruise it. You’re polite to people and everyone seems rude back. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. but you’ll probably never know which efforts are being rewarded -. You work up a sweat. and anyone with a dream must learn to live there.
and then force ourselves to work hard for them. having been mortally shot. the work doesn’t seem like work. In the movie. Those people just don’t exist. Good things don’t just happen to us. and someday my chance may come. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. 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. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. an Irish cop played by Sean Connery. Instead. Nobody wants to hear about effort and work and sweat. 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. At the climax of the movie. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. Sacrifice is sort of the dirty word of success. we have to figure out which ones we want most. What are you prepared to do? 193 . if you build your Lifemoney. Are you prepared to follow this through. In addition.Sacrifice “I will study and get ready. but they rarely do. then he dies.” The emphasis is on the preparation. The good news is that if you’re in love with your dreams and want them so badly you can taste them. one of Ness’s fellow agents. One of my favorite movies is The Untouchables. But show me someone who has achieved their dream without it. Maybe they should. the whole process of success becomes easier. It’s not nearly as bad as you might think. 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.
In the end. Only you can decide what you are willing to give up in reaching your goals. But don’t dwell on the negative aspects of “what do I have to give up?” Instead.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. Most do not pay off immediately. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in. sacrifice pays off. at almost any cost. What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes. But if you keep putting in the effort. the payoff will eventually be seen. 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. Keep your eye on the prize and focus on what you’re going to get in return. Be prepared to give up more of what you have to get more of what you want. No one likes to sit around wondering what he or she has to give up as an investment in a dream. to reach out and grab your future? Don’t spend the rest of your life wondering what might have been.” -Wayne Gretzky 194 .
and then tally your score. I am willing to set aside less important activities to focus on my goal. _____ 5. Some of my goals will require that I hang tough. I have calculated my goals’ financial costs and scheduling adjustments. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . _____ 3. _____ 1. I am willing to pay the cost that is required for me to meet my goals.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. I have identified several things in my life that I must sacrifice for success. _____ 2. _____ 6. I am learning to delay my gratification for both the present and the future. I believe that planning for the future is as important as getting by today. _____ 8. ____ 10. I am pulling the trigger on my talent today. _____ 4. _____ 9. I am prepared for life. I will put forth 100% effort at all times. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 7.
not the destination. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results.” -Don Williams. J Overview Having patience is a key ingredient to successful living. It is the ability to let go of the need for immediate gratification. tension or frustration. I mean the ability to sit back and relax while waiting for an outcome. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined.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. By patience. Yet our lessons come from the journey. without experiencing anxiety. 196 .
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. unhappiness and sometimes even anger. When you stress yourself to create results too quickly. But I am careful to differentiate urgency. Gradual change and growth give you the greatest chances for success. This is one of my personal flaws that I am working on. When you force efforts. 6) I just don’t know where to start . you need to be patient and wait for your results. 4) I hate having to do or say something more than once. This can further result in losing important things like business relationships. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say.this task has two many steps. I have to be honest with you: I happen to be a very impatient person. 5) If something doesn’t work immediately. without which you are going to suffer. you run the risk of anxiety. the results just won’t last long. which is a powerful force that gets things done. from impatience. which can be very destructive. relationships and personal growth when you lack patience.Enjoy the journey 2) I will never get to all the things I have to do. There are many negative consequences on health. It’s as if patience is a simple building block of satisfaction. I’m going to move on to something else. How do I differentiate the two? A sense of urgency is a good and powerful 197 . jobs and friendships. 3) I can’t stop for even a second until I reach my goal.
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). I told 198 . If I can’t change or alter a situation. Based on where I was in the process and the faith that I had in my contacts in Mexico. It’s a quality that helps me act quickly and get an enormous amount done. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. urgency turns damaging and can lead to senseless and sometimes destructive impatience. 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. This is a struggle for me as it might be for you. 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. But when urgency is applied to things I can’t change. I’d brought on an investor to put up the money for the deal. If I’m not careful this can create impatience in me. Mexico. and don’t let the things I can’t control stress me out. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. And this is probably true for you too. I can’t control those timeframes.Lifemoney tool. I have an unrealistic expectation of speed. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. I need to clear it from my mind.
$1. I immediately extended my trip from 2 days to a full week. I noticed that they had changed all of the terms of the deal. regroup and come up with a game plan. When I sat down in my meeting and went over the paperwork that they had prepared. and patience was number one. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently.6 million dollars. Outraged by what transpired. I flew down to Mexico for my big meeting and to sign paperwork. and then I left the meeting. 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. a partner who trusted me enough to put up that $1. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . I wanted this deal done. 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. I picked up my things and told the company I was meeting with that I would look over their new terms. me not speaking a word of Spanish (or only enough to order dinner and maybe get directed to a bathroom) and no deal on the table.600.6 million already invested in the equipment needed for this project.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. There was so much I had no control over. So there I stood in Mexico.000 that was needed to get this project going. he decided to partner with me and put up the $1. Based on the trust that I had built with the investor on past dealings.
If your goals don’t seem to be on track. • Reward yourself for completing something difficult. Look at the things you have accomplished to date. • Stay busy. If I did not have the patience to stick this out. 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. Focus on the results and not the task. Do something fun and celebrate your incremental success. I started making calls and finding out key contacts and setting up appointments. Get preoccupied with another task until you have results from the first. I would have never completed this deal that wound up being a very successful project for me. I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. Why? Because I was patient and focused on controlling what I could control. 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. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. I wound up getting an even better deal than I would have initially.Lifemoney had met with. reevaluate your objectives and make your goals more realistic for your needs. 200 .
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. before you know it. 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. We need to count our blessings and enjoy what we do have and make the most of every day. Don’t take time for granted and let your life pass you by. 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. you will wake up and have missed out on what life really has to offer. When I am having a bad day. For example. You need to live today like it was your last day and plan for tomorrow as if you were living forever. The 5 Year Test Another very effective technique I use is the 5 Year Test. Think of all the fun and excitement you will miss if you don’t savor every moment. If you do. Here’s a very personal technique I rely on to help me enjoy the daily journey. Who said life has to be hard? It is only tough if you make it tough. 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. I’ll realize today is beautiful and I should appreciate my health. 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. I open the window or take a walk outside and enjoy it. I find something to make me realize that it’s not as bad as I think it is. In 5 years looking back at the issue. You need to start enjoying a little everyday. Chances are you will look 201 .
Now. list 2 problems that you are presently facing and put them through the 5 year test. Getting fired from a job? That may be a blessing in disguise. Don’t let one day pass you by without appreciating something that you may never have or see again. or listening to good music should be enough to keep us going and to get us over daily disappointments. so we need to make the most out of our time. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. A good meal. that when you look back on. Time moves faster than we all want to believe. 202 . Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. spending time with friends or family.” Do you remember your first break up? No matter how sad you were at the time. it probably has no bearing on your life now at all. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. they seem unimportant. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. List 2 problems that you have had in the past. You will remember that in 5 years. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. A death in the family is terrible and needs grieving. a joke.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me.
author Mitch Albom visited a former professor.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea. 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. I was actually a little disappointed. In a chapter entitled We Talk About The Perfect Day. unnoticed things we do all the time. talking with people. "That’s it.. a walk in the midst of nature.how could he find perfection in such an average day?" Then I realized this was the whole point" (p.Enjoy the journey In the best-selling book. friends over for lunch. After all these months." he is asked. Albom asked Morrie a question: "What if you had one day perfectly healthy . going out to a restaurant for supper. dancing. "It was so simple. So average. Tuesdays With Morrie. Don’t overlook the obvious in your quest for the brilliant. "That’s it. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. at the end of the day what is truly important may be the simple. Morrie. And going home and having a wonderful sleep..175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals." Morrie replies. a swim. unable to move a leg or a foot . lying there. 203 .
It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated. there is always someone with less doing more than you.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. But I do agree that passion helps. I think people are 204 . Some people complain about going to work when they work in beautiful air conditioned offices. Don’t make excuses find solutions and make it happen. better yet. I know successful people who are making it big in things they don’t care about. Think about the person who is working outside in the heat. In the process appreciate what you have and enjoy it. 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.” -Brad Turk Appreciate what you have and don’t complain and make excuses. Think about a handicapped person who was born with a disability yet despite their struggles are making three times more money than you are because they are working smarter and harder. the people who fail find excuses for why they can’t. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. The people who succeed find reasons why they can do something. it won’t feel like work. In other words.
Try to create an external world outside of your business that enables you to have fun. 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. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. In fact. You can do that. then look hard to find something you’re passionate about and consider a career change now. My suggestion is that if you have a good job for which you don’t feel a lot of passion. He hardly noticed the leaves turning colors outside his small window. see your job as your vehicle to get you someplace else. Then one day he 205 . 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. There is a story about a young man who wanted to become a famous writer. But whatever you do. be stimulated and enjoy life…. Sometimes the ends do justify the means. 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.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job.” At least that’s the way I am. 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. If you can’t stand doing what you’re doing. he locked himself into his attic office and plugged away. 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. Day after day.
they were all empty of his family and furniture. Better luck with your novel. If you are stiff and focused on a goal and have such blinders on 206 .m. Again.Lifemoney waited for his small daughter to bring up the mail. The moral of this story is that success by any means doesn’t always “mean” success. Renew your energy. As he got angry when she did not bring the mail at exactly 2 p. Don’t stop yourself from relaxing and recouping. the object is to make your life enjoyable. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. Walking through one room after another. in checking the mail. But it had cost him far more than he had ever imagined. Goal Achievement Exercise Z Take out your Workbook. found a publisher’s letter saying that his book would be published. the man went downstairs and was amazed by the quiet that filled his whole house. the man. Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to. 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. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money.” Ironically. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break.. List 5 things that you are going to do to ensure that you are enjoying your journey through life. now middle-aged. and have moved out.
There’s plenty of time to be dead. 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.” -Anonymous 207 . I want my rewards as I go along. and sometimes the answers you generate for yourself are wrong. My motto is work hard. If you’ve figured out what you’ll miss the most when you leave. and how to really enjoy the ride. This much I know: success without enjoying your journey through your days is pretty worthless. I don’t want to miss out on life to get my reward someday in the future. Take the time to smell the roses. you are missing out. Lifemoney Currency “Enjoy life. because when you’re finally done and outta here.Enjoy the journey that you are letting life pass you by. It goes by both very fast and very slow. Patience and Enjoying the Journey Summary Life is funny. you’ve gone a long way to deciding where to spend your free time. You need to have a balance. play hard. the small everyday things are the things you’re going to miss the most.
I will take time to stop and smell the roses. Lifemoney Currency “Live today like it was your last day. _____ 1.” -Brad Turk 208 . I will have urgency in my work and patience waiting for my results. I will not wait until it is too late to enjoy my life. I will find something positive out of everyday. _____ 8. _____ 5. _____ 9. and plan for tomorrow as if you were living forever. _____ 3. I believe my day to day efforts will have an effect in the long run. I will take a break from time to time to rejuvenate and enjoy my life. _____ 2. _____ 4. _____ 10.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. and then tally your score. _____ 6. I will break goals into pieces and patiently work on one piece at a time. I will not take for granted what I already have. I will practice the 5 Year Test I will not stress over things I can’t control. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 7.
101 Affirmations 209 .
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