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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....


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

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

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

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

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

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

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

In this book. 4 .will help you discover those personality traits within yourself and develop a plan for using those traits effectively. 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. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. as a result be able to adopt them to fit your needs to reach your goals and attain the success you’ve always been looking for. While reading Lifemoney you will become familiar with these attributes. see what works for you and. you’ll find ways of: • • • • • Understanding what success means to YOU Matching what you want with your abilities Learning to go after goals by setting specific tasks with timelines Learning how to focus.

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

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

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

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

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

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

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

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

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

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

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

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

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

Inc. and I didn’t hit it big with the lottery. resourcefulness and creativity. Global Business Solutions. At MCI. It was basically a mini-version of one of the larger telecom corporations. I became one of the top salespeople in the nation. like actual cash. Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. I was already bringing in a six-figure salary and at the end of my third year there I earned $387. Especially patience! It was a lot for a young person like me to absorb.Lifemoney were. I’d learned that when the big companies couldn’t supply a product. But I still had to learn about setting goals. By my second year. Rather using the attributes I list for you in this book I became successful in project after project and business after business. 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. they bought it from someone else and still sold it as theirs. I was not an overnight success story.086.07. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money. dealing with people – especially difficult people. 18 . After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). 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. sacrifice and patience. evaluating my progress. but the skills that were created in me were worth more than cash. I used them to create many business successes.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

It’s a journey that may veer off in a thousand different directions before finally coming to fruition.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. I expect to make great plays.” by exploring who you were to determine who you are and clarify who you want to become. but it always starts with YOU. In my mind. you will build on the first lesson of this book.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success. great moves. 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. “Defining Success. In Lifemoney Lesson # 2.

lawyer. a basketball pro. But all of these titles – husband. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. But life success is a self-test. they don’t define you. a student. you need to know who you are. right? You might be a wife or husband. banker – merely describe you. a computer whiz. unemployed worker. This is valuable advice for many of us. or a musical genius. but not without a period of introspection first. Before you know where you’re going. 39 . Who are you? Who are you? That probably depends on who you ask. or two-time divorcee. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. 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. a company executive. one of baseball’s legendary home run hitters. Just think how sports history might have been rewritten if the he had stuck to what he did well instead of focusing on where he could really excel. He stuck with the decision. How many of us hover around the comfort zone of what we’re good at. a son or daughter. father. son. not a popularity contest. Maybe you’re carrying around a little extra baggage as a high school dropout. because he knew he had the ability to be a GREAT batter.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. He took a lot of heat for his decision because he was a GOOD pitcher. someone’s parent. 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 ready to gear up for the adventure that lies ahead. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel.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. instead of building the future you always wanted and. day to day. you can still find the path to your personal success if you’re willing to look for it. whatever you’ve done. 40 . and live happily ever after. Life has a way of sidetracking us from our goals to deal with day to day living. Maybe he or she is a little older. you find that those dreams never materialized. have kids. when you take a moment to catch your breath and see where you are. let me help you rediscover that person again. looking back. the goals appear too distant to reach anymore. more importantly. wherever you’ve been. But now. and maybe not even worth the effort after all. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. Whoever you are. you got sidetracked into making a living and getting by. 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. Or maybe you were hoping to get married. Then. and hopefully a little wiser. Instead. If you are just starting off on your voyage to success and don’t know where to begin. start here. knew you were capable of attaining. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar.

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

Under each. • • • • • “I earned a college degree. Even if you didn’t consciously use these qualities back then. For example. reflect on the things that worked in your favor. list your personality or character strengths. or personal achievements. In looking back on your past. “I made a wise career move by getting a better job. and/or specific steps you took while completing these accomplishments.” In order to achieve this accomplishment you: • • • • Made a thorough search of opportunities Researched the companies I wanted to work with Matched my skills to company needs Prepared for the interview 42 . now you can see how you managed to win that particular prize.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. recognition.” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. certificates. define a recent accomplishment by personal attributes: 1. these might include honors. Make a list of your top four or five achievements.

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

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

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

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

Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait. You also can add things about your character that could benefit from improvement. or not taking shortcuts on a project. But if you’re late to the interview. what good is all that positive self-talk? 47 . like being able to say “no” when you don’t want to do something. Now write down a few of your weak areas.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. These could include personality drawbacks. 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. 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. like shyness or arrogance. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. For instance.

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

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

Theme parks with the Disney name are located in the U. “It all started with a mouse. Starting with a little mouse.. Walter Elias Disney. Twenty-six times. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. I’ve been trusted to take the game’s winning shot and missed. But they know enough about themselves to know what makes them passionate and hungry.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career.S. It’s easy 50 .P. Many successes start right where you are: not knowing themselves very well and beyond broke. a publishing house. Disney was to fantasy what J. I’ve failed over and over and over again in my life.” Just think of that for a second. France. I’ve lost almost 300 games. and a worldwide store chain. Disney founded a $20-billion media conglomerate that includes a TV network. and Japan. an Internet operation. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. Consider one the top 50 business influencers of the 20th century. Morgan was to finance. And that is why I succeed. and they don’t let lack of money or support stop them.” -Michael Jordan Buy Stock in Yourself Do you think successful people are born knowing themselves? Or maybe they had money to make money? Neither one is true. As Walt himself recalls. a film studio. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories.

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

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

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

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

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

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

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


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

or read a book and you’ll see hundreds . that’s natural. it’s often hard to see them as real.Lifemoney o Objective: Get travel agent license o Objective: Build out basement to accommodate office o Objective: Save up enough money for expenses and a salary cushion • Goal: Opening your own bakery o Objective: Find 2 bakers o Objective: Find a location o Objective: Do a business plan • Goal: Starting a vintage car website o Objective: Find a website developer o Objective: Research cars that could be placed on website o Objective: Legally incorporate your company At this point it’s common for people to feel a little insecure or anxious about finally seeing their life goals and objectives written out. get started! 62 .even thousands of people who have applied action and planning to make their dreams real. Those people are not smarter. Dreams are real and they do come true if you follow this path. The problem with dreams is that we’ve dreamt them for so long. Relax. listen to the radio. stronger. Now is your time. or better than you. They happen every day. Just watch television. they simply learned these lessons a little sooner and applied them a little earlier.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

This becomes a lifestyle challenge that you must address. 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. you may be tempted to light up with your buddies at the bowling alley. my sister enrolled in medical school. Life circumstances and 77 .Overcoming Obstacles • • • • • Do you need technological expertise? Should you take a class? Should you attend a marriage seminar or see a marriage counselor? Should you seek help from a professional consultant? Who do you know that could be a possible business partner or help you connect with the right business partner? • Do you need to network with others in your field to enlarge your knowledge boundaries? • • • • Will your current job or career environment support these needed changes? Does your company recognize and reward growth? Can you make more money or advance more rapidly at another company? Does your company pay for tuition reimbursement? Answering these questions might require some habit changes. Emotionally speaking you may be thinking it’s too late for you to change. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights. Being a doctor has been her desire since she was a child. At the age of forty. For example. You might feel too old to reach your goals or that it is too late to realize your dreams.

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

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

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

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

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

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


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

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

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

We often work so hard to “fit in” exercise that we either can’t do it or hate doing it because it took so much effort 90 . get in the habit of asking questions like these before making major. Ride your bike to work to relax and get some exercise. I want you to realize a few things about time and think about ways you can use your time more efficiently. Using time efficiently is a huge obstacle for many people who are would be success stories. but efficiency of performance is what wins the game for the team. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. For that reason. In order to focus and spend your time more efficiently. To better manage your time and utilize your time more efficiently. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. or even minor. decisions: • • • • How much will this cost in terms of money. time.Lifemoney toward your goals than others.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. especially future goals. and effort? What must I give up in order to make this work? How will this choice bring me closer to my long-term goal? Will this decision prove worthwhile in the future? Lifemoney Currency “A particular shot or way of moving the ball can be a player's personal signature. consider making changes like these to enjoy life now while working toward a better one for the future: 1.

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

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

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

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

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

You have no choice really.260 income tax returns will be processed incorrectly this year 2. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation.000 checks will be deducted from wrong bank accounts in the next 60 minutes. I saw him) to a few months later running 26. He set a goal and did not stop until he reached it. give 100%.500 defective personal computers will be shipped this year 2. 22. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268. Go big or go home. because a 99.9% effort were given.488.9% effort will not get you where you want to go. 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.2 miles.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 • • • 103.517.200 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 . Follow through. Daddy's House Social Programs and the public schools of New York City. Here’s a breakdown of how things might look if only 99. 1.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.200 books will be shipped in the next 12 months with the wrong cover 5. He went from hanging out and drinking at clubs (I know.

000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9.690 will be spent today.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18. The director. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20. tomorrow.000 incorrect drug prescriptions will be written in the next 12 months 114. next Thursday and every day in the future on defective. wanted nothing to do with Jamie.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880. Jamie was already a 97 . Oliver Stone.500 mismatched pairs of shoes will be shipped this year $761.900 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. 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. Jamie could have easily walked away.Tools for Success • 3. Any Given Sunday. often unsafe. saying Oliver Stone didn’t know what he was talking about.” He did not believe Jamie could pull off the part. He even went so far as to tell Jamie that he “would not waste one inch of film on him.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. I strongly suggest that if you break your tasks down into smaller. daily pieces that when completed will gradually accumulate and lead to success. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. Fortunately. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. Keep these keys in mind: 1. Being honest with yourself is a powerful tool. more doable chunks that you make note of it in your planner. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. Write down the smaller. gut-level honesty. Better yet. you will lose track and wander in pursuit of your goals. come up with a clever solution to some problem the boss is having.Lifemoney • • • • Make it a point of pride to be at work 15 minutes early Go overboard to do exactly as you’re asked without backtalk Work on being an encourager to others Step up your pace at work. • • Finish the task at hand and ask for something to do next. Then be proactive in making changes to benefit yourself and others. more specific steps you 112 . If you don’t make notes of how you’ve broken down your duties. Especially honesty with yourself about your own weak spots. there are many things you can do to address problem areas and turn them around to make negatives into positives. 2. break the goals up into smaller. Be honest in soliciting opinions from others and acknowledging your weak areas.

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

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

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

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

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

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

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

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

htm.ca/athomas125/hanna. I struggle 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 need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. You find laughter in mistakes. you can’t know everything. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. You love to learn. Look for solutions in the most unlikely spots. You are only two. My dear granddaughter Hannah. Questions are your favorite tools. With wild abandon you tackle new words. And in my experience. I see mess.shaw.Resourcefulness You don’t know everything. You want to know everything. You want to climb the attic stairs. hoping to master the computer in one easy lesson or not at all. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. I see problems. 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. I find embarrassment. It was taken from the web site http://members. 4. you see colors. Book is your favorite word. I've forgotten how to laugh at blunders… 121 . You see steps. Here’s a thoughtful letter written to a child from her grandfather. new skills. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. You want to paint. I see danger.

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

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

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

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

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

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

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

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

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

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

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

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

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.


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

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

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

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

Although Liz was happy with the money she made and her success in what she did. David helped me to see the real value of that deal. Anybody can see what’s obvious but only a few can see potential. She envied my work schedule and the fact that I could arrange my days as I saw fit.000. Liz. After David did the math with me. it appeared that I would be buying a $200. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. My girlfriend.000 and after spending $25. does medical billing and is the office manager for a doctor’s office. You can do this in your own life. She is good at her job and has been with the same company for over 10 years.Lifemoney was a wreck and was on the market for so long.000. She wanted the ability to occasionally pick up her son from school and also did not want to be tied down to the typical 9-5 work week. 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. By shifting perspective.000 co-op for $175. How? We were able to get the price from $165. she really wanted a more flexible schedule. Most people who walked in there did not see the value of the place and could not picture what the place could look like. 142 . So try! It is a valuable lifemoney skill that can translate into big cash money.000 down to $150.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. Creativity Factor #4: Ask big There is huge power in learning to ask big.

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


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

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

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

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

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

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

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

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

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

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

Let’s say for example that I need help with financing a business deal that’s important to me. These little tricks work amazingly well and are well worth the time it takes to practice them. Again. they will be interested in helping you in exchange. you might think “sad Brad” or if they look happy. When I approach a potential investor I’m not thinking “how much can I get?” but rather “what does this person want and how can I give it to them?” During the course of the conversation I will ask for money. For instance.People I would suggest you develop a system that helps you put greater effort into this huge priority.” Another popular technique is to associate their name with something visually unusual. “Nice to meet you. But if they look like they’re very tired and sad. One idea is to repeat the person’s name out loud a few times during the introduction. nice meeting you. “glad Brad. Where do you work? Is that right? Sounds interesting. but I will stress what’s in it for them: a great rate of return. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. Brian. If their name is “Brad” and they look like Brad Pitt. How do you do that? Ever hear the term WIIFM? It’s “What’s In It For Me!” Most likely your best bet in getting help from someone is to show them what they are going to get in return! I think about this all the time when I’m trying to influence people to help me. Brian. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. Let’s talk about that sometime.” You get the idea. the intangible benefits of having their name 157 . it’s easy. the value of the proposed deal.

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

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

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

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

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

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

keep using it until you don’t think about using it anymore because it’s so natural. Don’t move off to try another one until you’ve seen results with the first one.” -Brad Turk 164 . Lifemoney Currency “One skill you act on is better than 12 that you don’t.Lifemoney Lifemoney Currency “Get around the right people. goal-oriented people who encourage and inspire you. In fact. Associate with positive. Then magic happens.” -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. 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. What’s the best way to learn them? Choose any one of these and use it today.

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

” -Willie Nelson Overview Someone once said. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction. This talks about some of the things I’ve found useful in creating a positive mind. What you believe you’re going to get in life is pretty much what you’re going to get. you'll start having positive results.Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones. Where’s Your Head At? Which of these statements sounds most like something you’d say to yourself: I am going to reach my goals and fulfill my dreams! or I am going to try to reach my goals but it’s going to be hard because… 166 . a well maintained attitude and a “no excuses” outlook. whether you believe you will or you won’t – you’re probably right.

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

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

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

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

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

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

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

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

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

Think of it this way: you’re going to have to spend the day in some way. 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. She’s probably like all the others. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude.Lifemoney getting a reply. why not be positive. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. Stay positive by remembering that lesser. It’s time for a change. 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. Teach yourself to stay positive even if nothing great appears to be happening and keep it moving anyway if it is helping you reach your goals. This relationship is going nowhere. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. Unless you’re prepared to wait. Everyone faces down times. 176 . Without those first small steps there could be no end result worth noting. The way to get over them is to keep it moving until something positive does happen. lack of feedback can lead to negative thinking. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. 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.

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

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

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

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

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

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

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

Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. Pulitzer Prize winning political cartoonist. 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. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested.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. at almost any cost. 184 . There were no shortcuts to success. Lifemoney Currency “Judge your success by what you had to give up to get it. He had to sacrifice his nights and his only free time in order to get where he wanted to go. to reach out and grab your future? • Just how far are you willing to go? It’s vital to answer these questions and know these things about yourself.” -Dali Lama Sacrificing for Success Mike Luckovich.

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

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

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

Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. But if you save and invest it. It’s a simple fact of life.” -Sidney Howard Number 2: Delay gratification Sociology experts tell us that one of the differences between the lower class and the upper class is the ability to delay gratification. you will have enough for today and tomorrow. 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. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. 188 . They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals. there will be nothing left. too. If you spend all you have. but less than twenty percent of the population do so. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. What percentage of your daily schedule do you devote to working toward goals? Are you so preoccupied with getting by today that you haven’t given much thought to the days that will follow? You really must plan on setting aside between three and six months’ of income in case of a job loss or disability. Underachievers live for the day and overachievers live for the future.

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

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

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

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

” The emphasis is on the preparation. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. Maybe they should. the whole process of success becomes easier. one of Ness’s fellow agents. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. But show me someone who has achieved their dream without it. Instead. Sacrifice is sort of the dirty word of success. having been mortally shot. we have to figure out which ones we want most. In addition. Good things don’t just happen to us. One of my favorite movies is The Untouchables. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. In the movie. The good news is that if you’re in love with your dreams and want them so badly you can taste them. and someday my chance may come. It’s not nearly as bad as you might think. What are you prepared to do? 193 . Are you prepared to follow this through. and then force ourselves to work hard for them. Nobody wants to hear about effort and work and sweat. Those people just don’t exist. no matter what the cost? That question hangs in the air several times during the movie as all the men do a gut check as to their willingness to take down the feared Capone.Sacrifice “I will study and get ready. 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. but they rarely do. At the climax of the movie. an Irish cop played by Sean Connery. asks the scared and unsure Ness “What are you prepared to do?” It was a question of challenge in the face of great fear and intimidation. the work doesn’t seem like work. if you build your Lifemoney. then he dies.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

101 Affirmations 209 .

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