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


The Proven System for Creating the Money You NEED for the Life You WANT

By Self-made Millionaire Brad Turk


life·mon·ey (n): the non-monetary currency needed to attain success and develop wealth and personal satisfaction


Copyright (©) 2007 Brad Turk

All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or any other means electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of the publisher.


This book is dedicated to all those success stories that were earned through a smart plan, hard work and dedication. To the underdog that went beyond what they imagined they could achieve by never giving up. To those that are on the road to accomplish this success, are committed to their cause and will not be sidetracked....


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

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

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

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

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

I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . Would you use your shoe? Would it work? Possibly. it’s the dollar figure you define. a new job or just a raise or promotion in your current job.000 a year or $2. be it a million dollars. yet most people don’t use the correct tools to get what they want. part financial management. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. But how much easier would it be using a hammer? Lifemoney is a hammer: it teaches you how to realize your goals and become a happier person by using the right tool for the right job. Part self-help. For example. It could be $240 a week or $240.000 in quarterly bonuses. it’s not the job that I feel is prestigious that matters. a new home. part how-to. it’s not the dollar figure I define as Lifemoney that’s important. if it’s money that you’re after. 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. it’s the job that makes you happy on a daily basis or brings you closer to your goals. 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. If it’s career happiness you’re looking for. In this book.400.One of the most unique features of Lifemoney is that it’s entirely personal.

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

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

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

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

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

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

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

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

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

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

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

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

but in reality there are very few people that make it big – and make the big money. PolyGram Records. Eventually it went to number 27. 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. 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. You see – I already understood that making money was a priority for me – an important goal. It was an exciting time.” Next Plateau. But the truth is making money is hit or miss and is more often just smoke and mirrors. actualizing my goals and watching them come to life. It was pretty exciting to walk into a record store and see my CD for sale and have friends call telling me they were hearing it played on the radio. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences. 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.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. In 1994. full of rich stars and power players. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. I was finally seeing a dream come true. which I did. for more reasons than just getting airplay. It is a difficult business to really make money. That’s a hard truth to see from the outside. But like 15 . 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. While I enjoyed working in the music industry.

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

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

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

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

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

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

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

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

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

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

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

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

” Plant your own personal seed for success and watch it grow. for you. Desire is the planting of your seed. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . 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. look past that next job promotion or future company you plan to build. You should live your own life and live up to your own expectations. 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. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily.” . and those are the only things I really care about it. They live undefined lives. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. See beyond money and its trappings.Lifemoney take full action. you will be fully able to reap all the benefits that await you. As Robert Collier. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. By starting your journey with a firm grasp of your meaning for success. What is it you really want? What.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now.

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

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

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

It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. read over your ideas. 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.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. Once you have this in place. in your opinion. etc. I am going to ask you to open this document on a regular basis throughout this book. asking yourself questions like these. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. You can use a three-ring binder. set a timer for five minutes. skills. Then start writing about your views on success. or download a copy of the Workbook with all the exercises from my website – www. 32 . the hallmarks of success—money. Explain. open a document on your computer. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. time. and edit if necessary to make them readable and clear. but more importantly.com. so make it handy and easy to access.bradturk.

Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. Money in itself does not equal success. But you just did. Welcome aboard a new life. It’s amazing how some people perceive money as the answer to all their problems. I know many people with little or no money. something of a statistical freak. Completing this exercise brings up a point I think worth exploring. “Everybody wanted my money. too. William “Bud” Post won $16. Most people just never make the move to define what they want and where they’re going. We all do. If you were handed everything you wanted without working for it. Not Cash) Congratulations! You’ve taken a huge step. after declaring bankruptcy. won the New Jersey lottery twice. Everybody had their hand out. She lives in a trailer and recounts that. Ask the following people. they’ll tell you: • Evelyn Adams. What does she have to show for it now? Zippo. in 1985 and 1986. • In 1988.” These beliefs about money are all wrong. you might find you are still unhappy. It was totally a nightmare.” Her hand was out. “If I only had money. I’d be so happy” or “Everything in my life could be fixed with some cash. Her total take was $5. Says the man who.2 million in the Pennsylvania lottery. at gambling venues. now lives on Social Security and food stamps: “I wish it never happened. Having come from a “no money” background.4 million.” 33 .

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

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

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

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

In Lifemoney Lesson # 2.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. 38 . I can never be good enough…It just comes with the territory of knowing yourself and making the most of what God has given you. In my mind. but it always starts with YOU.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success. great moves. I expect to make great plays. “Defining Success. you will build on the first lesson of this book. 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.

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

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

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

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

Look for patterns forming.” In this case As you look over your list what characteristics come up over and over? Those are your strengths.” and “selective” came up in one form or another with each of the three achievements. like sports competitions. As you think about the things you’ve done that you have enjoyed and made you feel good. Let’s say for instance that when comparing the events above words like “organization. some may be more physically oriented. You may even recognize the type of goals that attract you. like academic work.Knowing Yourself 3. and so on. You’ll begin to see how that person might emerge in the next stage of life. 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. 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. Some people excel at social endeavors like arranging parties or special events. 43 .” “thorough. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. you will get a better idea of who you really are down deep.

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

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

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

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

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

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

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

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

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

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

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

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

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

Knowing Yourself

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



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

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

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


Overcoming Obstacles

Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles

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

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


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

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


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

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

Goal Achievement Exercise G Take out your Workbook.) iii. What bridges that gap? Action steps. timeframes. Clear space for new furniture 63 . 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. 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. Below each. An action plan is just a series of steps you plan out ahead of time to take systematic action. Start looking into office furniture and equipment iii.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. Understand the testing process (where given. Let’s set up an action plan for your goals right now. Schedule exam • Build out basement to accommodate office i. We all know that goals just don’t happen. Prepare for exam iv. Order a separate phone line from the telephone company iv. break the list down into three or four action steps you would need to take in order to reach that objective. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. etc.

Establishing a timeline for meeting a goal also helps you realize if it’s reasonable. Figure out what amounts of money will be needed to live off of while building the business iii. objectives and action steps.Lifemoney • Raise and save enough money for expenses and salary cushion i. Now you’ve written goals and some action steps that lead to the goals. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. So not only do they spend a lot of time managing their time. Sure. Successful people know that there are few assets as valuable as time. deadlines slip sometimes and you have to readjust your schedule. Start putting away money weekly toward travel agency iv. Figure out a budget of what the business will cost ii. but without a schedule to start with you’ll never know if you’re slipping. but they also add urgency to their goals by making themselves accountable to deadlines. Let’s say you want to own your house debt free within ten years. 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 .

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

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

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

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

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

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

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

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

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

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

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

star and creator to see his project come to life. Much like the boxer in his now famous movie. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. at last. 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. he found a movie studio willing to buy both his script and his portrayal of the main character. Stallone refused to fail. He persevered until. 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. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. Even when some degree of success was in his reach – he was offered thousands of dollars to buy the script at a time when he and his wife really needed it – he saw a half-deal as a failed deal. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed. How far are you willing to go for success? If you concede failure before you even begin. you may never know. Sylvester Stallone went through huge trials and tribulations as a writer.

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

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

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

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

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

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

Tools for Success

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



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

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

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


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

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

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


Lifemoney Invest it so you get from it the utmost in health, happiness, and success. The clock is running. Make the most of today. Consider the following list which has circulated on email listservs many times. To realize the value of ONE YEAR, ask a student who failed a grade. To realize the value of ONE MONTH, ask a mother who gave birth to a premature baby. To realize the value of ONE WEEK, ask the editor of a weekly newspaper. To realize the value of ONE HOUR, ask the lovers waiting to meet. To realize the value of ONE MINUTE, ask a person who missed a train. To realize the value of ONE SECOND, ask a person who just avoided an accident. To realize the value of ONE MILLI SECOND, ask the person who won silver in the Olympics. Time is far more valuable than money, personal resources, and sometimes even health. Why? Because it is the one thing you can never get back. Once a moment passes, it is gone forever. You have lost the chance to make good with it. All you will have is a memory. If you are wise you put your time to good use – just like you invest money in the bank. But if you are careless then time will be wasted, leaving no significant memories and giving you no investment for future use. Time is the ultimate variable between success and failure. It is extremely rare to find a successful person who doesn’t manage his or her time effectively. Find ways to


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

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

you may need to reconsider that decision. but efficient work. when you get the chance to make decisions. My guess is that you will get more done in four focused hours than eight unfocused ones. 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. weigh each one with a view to your goals. Not pushing paper or daydreaming. Ask yourself. In other words. From now on. 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. some activities are more efficient in getting you 89 . Goal Achievement Exercise L Take out your Workbook. You also should get in the habit of counting the “efficiency cost” of each decision you make. Let’s do an efficiency exercise. Everything in life has a price tag. 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. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer.

Ride your bike to work to relax and get some exercise. To better manage your time and utilize your time more efficiently. In order to focus and spend your time more efficiently.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. 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 . decisions: • • • • How much will this cost in terms of money. or even minor. but efficiency of performance is what wins the game for the team. consider making changes like these to enjoy life now while working toward a better one for the future: 1. especially future goals.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. For that reason. and effort? What must I give up in order to make this work? How will this choice bring me closer to my long-term goal? Will this decision prove worthwhile in the future? Lifemoney Currency “A particular shot or way of moving the ball can be a player's personal signature. Using time efficiently is a huge obstacle for many people who are would be success stories. get in the habit of asking questions like these before making major. time. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. I want you to realize a few things about time and think about ways you can use your time more efficiently.

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

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

Do whatever you’re doing all the way. Second. something or someone important is going to get short changed. You come home to people that mean a lot to you. 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. Don’t do busy work. Don’t multi-task and try to accomplish too many things at once. 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.Tools for Success Another priority for many people is their relationship with family members and friends. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. Choose a priority and be a finisher.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. 93 . You can easily become distracted doing this and usually nothing gets done right. don’t spend three hours cleaning your desk so you can get started. Then commit to giving your best to your life and to your goals daily. Focus on one step at a time. The need for a clean desk before you can begin is less a necessity and more of an obstacle. focus on writing and not the collateral activities that might make writing that letter easier. Finish what you start when you start something. and take time to spend with the ones you love. How should you start the process of prioritizing all the important people and events in your life? Start by asking yourself “Do I know how to give 100 percent?” Chances are the answer will be “no. complete all the important things at the beginning of each day. In other words. The third suggestion for prioritizing.

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

he told me that he hit the gym five times a week. 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. I have a friend who has been bodybuilding (or body sculpting. as he calls it) for over ten years. a key part of your lifestyle. you need to make your goals – things to do – daily activities. It was something he had to do. eating. When I was talking to him about his workout plan. Then the real embarrassment came: after going over his working arrangement. For example. when someone buys a house. I was amazed at his dedication and commitment. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. However. In the same way. besides his normal two week break. I learned that through most of those ten years he had worked 10-14 hour days between his job as a paramedic and a bartender! I asked him how he found the time and energy for working out at this pace. we feel obligated to keep that date. You wouldn’t go a whole day without eating. would you? 95 . or sleeping. 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.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. consistently. they make a commitment to the bank. we call it a mortgage. His response was that working out was one of his daily events. it was like brushing his teeth. In the last ten years. he had not missed a single week of working out. When we make an appointment to see the doctor.

give 100%. 22.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268. Follow through.200 books will be shipped in the next 12 months with the wrong cover 5. Go big or go home.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 . He set a goal and did not stop until he reached it. because a 99. this was based on a study done in the 1990’s that circulated in email: • • • • • • Two million documents will be lost by the IRS this year.500 defective personal computers will be shipped this year 2.9% effort were given. Here’s a breakdown of how things might look if only 99. 1. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine.488.260 income tax returns will be processed incorrectly this year 2. Daddy's House Social Programs and the public schools of New York City.517.2 miles. You have no choice really.9% effort will not get you where you want to go. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation. He went from hanging out and drinking at clubs (I know.000 checks will be deducted from wrong bank accounts in the next 60 minutes.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. I saw him) to a few months later running 26.

056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18.” He did not believe Jamie could pull off the part. The director. wanted nothing to do with Jamie. Jamie could have easily walked away. next Thursday and every day in the future on defective. He even went so far as to tell Jamie that he “would not waste one inch of film on him. Jamie was already a 97 . saying Oliver Stone didn’t know what he was talking about. 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.900 will be spent in the next 12 months on tapes and CD’s that won’t play 107 incorrect medical procedures will be performed by the end of the day today 315 entries in Webster’s Third New International Dictionary of the English Language (unabridged) will turn out to be misspelled.000 incorrect drug prescriptions will be written in the next 12 months 114. tomorrow. Oliver Stone.500 mismatched pairs of shoes will be shipped this year $761. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20. often unsafe.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880. Any Given Sunday.Tools for Success • 3.690 will be spent today.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9.

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

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

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

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

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

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

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

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

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

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

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

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

Above all remember. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. a death in the family. this is the time to reevaluate your goal. as long as you continue to make steady progress. keep track of your progress. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. As you try to achieve your goals. Your best skill is your ability to write things down and track yourself. If not. your plan. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. Some people even use something as simple as notes. you may get off 110 .What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. Notes to yourself. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. and your progress to see if adjustments are needed for a better chance at a successful outcome. Watch your goal progress closely Check your daily activities. O. Are some carried over for long periods of time? Are you making substitutions for temporary pleasures that eat up your time and resources without bringing you closer to lasting fulfillment? Remember that it is the small. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. the loss of a job.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. a great new job offer that comes unexpectedly. daily steps that carry us the furthest distance.K…. you still have time to adjust your plan to maximize your chances for success. or meeting someone and falling in love. Either is fine.

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

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

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

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

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

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

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

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

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

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

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

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

If you don’t find an exact match. That’s the beauty of the modern world. You don’t even have to buy the books. often at the press of a button. try different variations of the same words until you find what you are looking for. spend your time searching for buried answers. ask a store associate to order materials for you. But you can go anywhere you want and talk to whoever you like. find a seat at the café. you should be able to find worthwhile reading. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. because it is the most widely used and brings up the most comprehensive information) and type in the name or topic you want to research. Even as there are more and more of us. You can even use full sentences to pinpoint the closest data to your topic search. Here are four incredible resources. technology is bringing us closer together. and read a recent biography of someone you admire or a book on a topic related to your goal. you can just read while you’re there.Resourcefulness You probably won’t find everything you need in your back yard. spread far and wide. Don’t be afraid to use all of the resources available to you to gather more resources. In a larger bookstore chain. Look at the jackets and back covers for ideas about whether a book will be helpful. If not. There’s no better or quicker way to 123 . buy a cup of coffee. Whatever your needs or interests. All you need to do is pick a search engine (I use Google. Instead of sitting in front of the television or playing video games. 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 don’t have to buy the product. language CD’s or DVD’s (if your goal involves traveling abroad). Many companies offer free webinars with noted experts in a particular field as a way to sell their products. and videos. and Los Angeles you have the Learning Annex (learningannex. but you may learn a few things from the expert while you participate in the webinar. Minneapolis. Most libraries offer this type of service for free. 124 . Check your local area for something similar. If your library doesn’t carry a book you want see if they can get it for you from another library. 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. In New York. borrow books for free at the library. movie producers and music moguls at your disposal. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. magazines.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. Toronto.com) where they constantly have well known speakers. You can also get audio books. San Francisco. 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. San Diego.

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

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

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

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

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

You’d be amazed how many talented people you already know that could help you along your journey.Lifemoney Lifemoney Currency “If I have seen farther than others. 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. Using the people skills that you will learn in Lifemoney Lesson #8. 130 . think of key resource people you already know from your past and your present. List three people that you will contact for assistance. intrigue these people to help you in whatever way possible.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. it is because I was standing on the shoulders of giants. Never forget to take advantage of your network of connections. While making your list.

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

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

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

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

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



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

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

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

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


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

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

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

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


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

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

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

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

000. How? We were able to get the price from $165. She is good at her job and has been with the same company for over 10 years. After David did the math with me. Creativity Factor #4: Ask big There is huge power in learning to ask big. You can do this in your own life. 142 . The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. 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. She envied my work schedule and the fact that I could arrange my days as I saw fit. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. By shifting perspective. does medical billing and is the office manager for a doctor’s office. David helped me to see the real value of that deal. Liz.000 co-op for $175.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200.000. Most people who walked in there did not see the value of the place and could not picture what the place could look like. she really wanted a more flexible schedule.Lifemoney was a wreck and was on the market for so long. 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. My girlfriend.000 down to $150. Although Liz was happy with the money she made and her success in what she did.000 and after spending $25. So try! It is a valuable lifemoney skill that can translate into big cash money. Anybody can see what’s obvious but only a few can see potential. it appeared that I would be buying a $200.

Creativity When I encouraged her to suggest something new to her boss, like a more flexible schedule, she was positive he wouldn’t go for it. But rather than just forgetting about the idea, we sat down and actually listed some very big possibilities she could take to her boss. Specifically we asked ourselves “What might her boss go for?” We made ourselves think outside the box. This thought process alone allowed us to quickly figure out a few adjustments she could make to maintain job duties and still free up some time in her weekly schedule. Then one day at work Liz asked her boss something big. “I’ve figured out a way to work even more efficiently,” she began. “Oh, yeah?” her boss asked. “What’s that, Liz?” “If I work a day a week at home where it’s quiet, I can get more billing work done without the distraction of answering phones or coworkers’ questions. I’m sure I can work faster, which will save the company time and money. Can I do it?” Now do you think that was easy for Liz to ask her boss? No way. But she boldly asked a new and surprising question. And guess what? Liz’s boss agreed to give it a try, and now she has more flexibility in her schedule. She has a day each week for personal errands and her son and on that day she works the hours that she sees fit. Even when it seems like the odds are against you, asking bigger and bolder questions can be a huge source of inspiration and possibility for you. When I worked at MCI, through hard work and utilizing the Lifemoney lessons in this book, I became the number one salesman in the country. My problem was that I knew I preferred working from home without a boss breathing down my neck. But my boss really wanted me to work out of the office in the more standard corporate way. Rather than just giving in to this expectation, I asked myself a bigger, better and bolder question: what would the boss


Lifemoney go for? I decided that I would go to him and candidly explain my vision, how I worked best and how we could make this work for both of us. I set up an appointment with my boss and I explained how much more productive I was from home and that I had two more hours in my work day by eliminating the commute it took to get back and forth to the office. All I had to do was point to my sales results, and my “work from home” sales pitch spoke for itself. I showed that I was able to do my job the way that made sense to me and worked with my personal schedule. I wound up only going into the office a few times a month. I took a standard practice of almost all corporations of working the typical 9-5 office job and turned it into something that worked for me. An enormously big opportunity for me began by asking a big question: “What’s possible here?” Asking big is not only a creative way to think, but when you take the short step of sharing your creativity publicly; profound things will start to materialize. Get in the habit of asking big. Even if it doesn’t work, you’ll be a step closer to finding the solution that will work.

Creativity Factor #5: Avoid The Herd Mentality
There is an old saying that “if everyone is doing it, it’s probably wrong.” We are herd animals, and often where the herd is going is not original or creative in any way. Successful people are more often those who are willing to dream about going another way. It is always best to have some foresight and try to do what has not or is not being done. That’s not too say that you can’t make millions or find happiness doing things that have been successfully done in the past, but the pioneers will usually capitalize the most.


Creativity In addition, you also have to be careful not to jump into a fad or in something that has already reached its peak. The perfect example would be all of the late comers who tried to break into the real estate market – well after the bubble was set to burst. Read what Robert Kiyosaki, author of Rich Dad Poor Dad says about the stampede that took off after the real estate boom. “In 2003, every fool was getting into real estate. The checkout girl at my local supermarket handed me her newly printed real estate agent business card. The housing market became the hot topic of discussion at parties. ‘Flipping’ became the buzz word at PTA meetings. Homes became ATM machines as credit-card debtors took long-term loans to pay off short term debt.” And now the papers are filled with stories of people who followed the herd and ran off a financial cliff. Once everyone is doing what you are looking to do, it often makes your goal that much harder to attain. Again, this does not mean that it can’t be done. It just means you will have to work that much harder and smarter to get your results. You don’t always have to do things the traditional (Herd) way to get it done. If you want $5,000 to buy a speedboat, do you have to start with a basic savings account? Are there other ways you could raise that money? You could: • • • • Sell used items you no longer use -furniture/tools on Ebay. Downsize to a smaller house or less expensive car. Create shares of the boat and bring in partners Get a second, part-time job.


Lifemoney While all, some, or none of these options may work for you, the point is to try to go in the opposite direction of the herd when the herd has been going in the same direction for a while. Back to my main man Donald Trump: many people thought he was born into his millions, or that he came by his wealth easily. The opposite is true. Donald’s father, Fred Trump, had to help support his family and started a construction business in Brooklyn, New York. Donald spent a few years working out of the same office as his dad. When he eventually decided to get involved in real estate, he did so with a limited budget. Though he had very little money, the first thing he did was to become a member of an exclusive New York club. He used his membership as a way to make contacts. That’s pretty unusual and not what a herd thinker would do. Who ever thought of starting a business by joining a club? Most of us would wait until the company was established – probably even well established - before developing business relationships. Trump took an unusual route to success, and it paid off.

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


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

while your reputation is merely what others think you are. like fishing or playing cards. They might be an older brother who sets a bad example with his drug use or gang activity. but you have to put first things first if you ever plan to reach your goals. To get rid of the people who will hold you back. put you down or turn you off. Problem people often hide in plain sight. 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. because your character is what you really are. If you don’t like 162 . They can be so-called “pals” who don’t believe in you.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. They may be hardheaded bosses who refuse to think out of the box. politely let them that you will get in touch when you have time. If it’s someone who is really just negative and brings you down. or who tell you to give up because you have more important things to do. It could be a friend who is always cooking up a crazy idea that never gets out of the starting gate. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. don’t be afraid to cut ties totally. or that costs you plenty when it does get a running start. You probably already know who some of these “avoidable” people are. It’s not that you can never enjoy recreational time.

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

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

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

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

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

But you may also have skills and opportunities for turning the game around and coming out a champ if you will only take the time to believe in who you are and who you will become if you reach your goals. But it all begins with your outlook and your willingness to do what it takes to get out of the rut and mentally move in the direction of the finish line. So don’t worry about what you can’t do. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. focus on what you can do. and say. you do have complete control over what you choose to think. I heard a few years later that she had attempted suicide. 168 . They complain about all the ways in which other people or circumstances are standing in their way. what you attract into your life and your ultimate success. “He’s the reason I can’t get ahead” or “If that hadn’t happened I would be rich by now” are just excuses for not taking responsibility for their own lives. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. do. It’s not what you have but how you perceive things that really counts. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. 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. You might feel as though you are destined to continue the long line of defeat. Though you have no control over the actions of others.Lifemoney I stayed away from her negativity and did not associate too much with her. Maybe you come from a family with many losers and too few winners.

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

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

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

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

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

and even a modern example like Hilary Swank who after getting fired from Beverly Hills 90210 for being a bad actress went on to win 2 Academy awards. Often when we look at successful people we only see the end result without understanding what they had to go through to get where they are today.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.” -Lou Holtz. or at least their little piece of it. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. Positive thinking sets them on a course for achievement. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. football coach. who minus sight and hearing became a model of inspiration to others. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. whose deafness did not stop him from composing classic musical compositions. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. broadcaster 174 . Helen Keller. Some famous examples include Beethoven. I never had a crisis that didn’t make me stronger.

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

Had I let negative thoughts overtake me during times when it felt like I was not getting anywhere I wouldn’t be where I am today: a self-made millionaire still young enough to physically and mentally enjoy my success. 176 . Without those first small steps there could be no end result worth noting. Do you ever catch yourself saying negative things in your head? It’s human nature to soak up some of the negative energy surrounding us. This relationship is going nowhere. It’s time for a change. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. Unless you’re prepared to wait. why not be positive. The way to get over them is to keep it moving until something positive does happen. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. 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. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. Think of it this way: you’re going to have to spend the day in some way. 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. Stay positive by remembering that lesser. Everyone faces down times. lack of feedback can lead to negative thinking.Lifemoney getting a reply. She’s probably like all the others.

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

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

When you fall down. Lifemoney Currency “Anything is possible. it’s how you view them and what you do about them that matters. 179 . but you have to think positive. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success.” (Positive. “I’ll use just one credit card. Instead. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1.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.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. After a few weeks. specific and helpful) 2. such as. “I’ll pay my balance each month. Everyone makes mistakes. but the important thing is to think positive. update the success thought for a related goal. and you have to fight.” (Positive. pre-recorded message that reminds you to stay on track. detailed and valuable) Use your imagination to come up with more positive statements like these. 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.

Don’t let anything keep you from getting it. Keep focused on what you want.Lifemoney Don’t let past failures hold you back.” 180 . Give thanks and be happy! Lifemoney Currency “He who has so little knowledge of human nature as to seek happiness by changing anything but his own disposition will waste his life in fruitless efforts. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains. Although others may have held you back at one time or another or you may have to seek help to reach your goal. remember that you are responsible for how your life turns out. Think about the things that are positive in your life.

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

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

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

” -Dali Lama Sacrificing for Success Mike Luckovich. 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. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. took a job as an insurance salesperson straight out of college. 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. 184 . There were no shortcuts to success. 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. Pulitzer Prize winning political cartoonist. at almost any cost. He had to sacrifice his nights and his only free time in order to get where he wanted to go.

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

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

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

you will have enough for today and tomorrow. If you spend all you have. 188 .” -Sidney Howard Number 2: Delay gratification Sociology experts tell us that one of the differences between the lower class and the upper class is the ability to delay gratification. But if you save and invest it. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. there will be nothing left. Underachievers live for the day and overachievers live for the future. It’s a simple fact of life. The wealthy will have enough from current savings and investment plans.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. 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. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. too. but less than twenty percent of the population do so. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow.

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

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

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

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

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

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

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

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

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

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

Enjoy the journey the investor where I was in the deal (just going to finalize and sign paperwork) and had given him the price points that were worked out. So there I stood in Mexico. 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. It took all the Lifemoney lessons I talk about in this book to get me through this situation. 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. and then I left the meeting. he decided to partner with me and put up the $1. I noticed that they had changed all of the terms of the deal. What was I going to do now? Go home with no deal and give up? How could I tell my investor what happened? Was I going to start from scratch after all this work in putting together this deal? What I did was relax.6 million already invested in the equipment needed for this project. When I sat down in my meeting and went over the paperwork that they had prepared. $1. I immediately extended my trip from 2 days to a full week. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 .000 that was needed to get this project going. a partner who trusted me enough to put up that $1. regroup and come up with a game plan. There was so much I had no control over. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. Outraged by what transpired. and patience was number one. Based on the trust that I had built with the investor on past dealings. I picked up my things and told the company I was meeting with that I would look over their new terms.6 million dollars. I wanted this deal done. I flew down to Mexico for my big meeting and to sign paperwork.

I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. If your goals don’t seem to be on track. If you understand that success is a journey you will begin to enjoy each moment and will realize that being impatient is counterproductive and takes away from the joy of life. I started making calls and finding out key contacts and setting up appointments. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. 200 . I would have never completed this deal that wound up being a very successful project for me. • Reward yourself for completing something difficult. Get preoccupied with another task until you have results from the first. • Stay busy. Focus on the results and not the task. If I did not have the patience to stick this out. Do something fun and celebrate your incremental success.Lifemoney had met with. Why? Because I was patient and focused on controlling what I could control. reevaluate your objectives and make your goals more realistic for your needs. I wound up getting an even better deal than I would have initially. So what should you do to be more patient? Make an effort to keep track of the following things: • • • • Break large goals into pieces and focus on one piece at a time. Look at the things you have accomplished to date.

Don’t take time for granted and let your life pass you by. I open the window or take a walk outside and enjoy it. Here’s a very personal technique I rely on to help me enjoy the daily journey. before you know it. I’ll think back to a time that I was sick in bed just wishing to be healthy to be able to be outside and enjoy a beautiful day. You need to start enjoying a little everyday. Chances are you will look 201 . In 5 years looking back at the issue. When I am having a bad day. will I even remember it? How will it affect my life? Try it! Either take a problem that you are going through now or remember one from 5 years ago and see what came of it. Think of all the fun and excitement you will miss if you don’t savor every moment. I find something to make me realize that it’s not as bad as I think it is. You need to live today like it was your last day and plan for tomorrow as if you were living forever. If you do. For example. you will wake up and have missed out on what life really has to offer. We need to count our blessings and enjoy what we do have and make the most of every day. Who said life has to be hard? It is only tough if you make it tough.Enjoy the journey Enjoy the Journey The purpose of life is not to work hard for 40 years and be miserable so that you can retire at age 65 and enjoy the last years of your life. I’ll realize today is beautiful and I should appreciate my health. 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. The 5 Year Test Another very effective technique I use is the 5 Year Test. 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.

so we need to make the most out of our time. Time moves faster than we all want to believe. they seem unimportant.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. that when you look back on. list 2 problems that you are presently facing and put them through the 5 year test. You will remember that in 5 years. List 2 problems that you have had in the past. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. a joke. A good meal. Don’t let one day pass you by without appreciating something that you may never have or see again. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. Now. A death in the family is terrible and needs grieving. or listening to good music should be enough to keep us going and to get us over daily disappointments. 202 .” 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. spending time with friends or family. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. Getting fired from a job? That may be a blessing in disguise.

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

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

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

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

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

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

101 Affirmations 209 .

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