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The Proven System for Creating the Money You NEED for the Life You WANT
By Self-made Millionaire Brad Turk
life·mon·ey (n): the non-monetary currency needed to attain success and develop wealth and personal satisfaction
Copyright (©) 2007 Brad Turk
All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or any other means electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of the publisher.
This book is dedicated to all those success stories that were earned through a smart plan, hard work and dedication. To the underdog that went beyond what they imagined they could achieve by never giving up. To those that are on the road to accomplish this success, are committed to their cause and will not be sidetracked....
........................................9 Looking for Motivation ... Inc...................................................................................................................................................................com .............................Find More.........................................................................................................................................................................................................................................................................................................................11 Learning About Business............................................34 Defining Success Summary ....31 Goal Achievement Exercise A........................................................................................................................................................................................................................................13 Getting Focused....................39 Who are you? ............................................51 Make Less .......................................38 Overview.......47 Get Rid of It! ..6 If I can do it… ..................................................32 Win Life’s Lotto (Real Wealth is Measured by Achievement..................................................................Table of Contents Introduction: Millionaire by 30.....24 Success on Your Terms ........................................24 Want to Succeed? Sleep Late!........... 1 My Lifemoney .............28 WHOSE Dream Is It.... Anyway? ..................................................................................17 Global Business Solutions................................23 Lifemoney Lesson # 1: Defining Success............................................................................................ Inc.......................................................10 Knowing Myself................................................19 Self Made Records........................................................................................24 Overview................................................................46 Goal Achievement Exercise D....................................................................27 Find the “U” in “SUCCESS” .......................8 Persistence Pays Off ..............................52 A Fish Story ......................... Inc.........................................................................42 Goal Achievement Exercise C .................................................................................................................................................................................................................................................................................................................................................................................................................................37 Lifemoney Lesson # 2: Knowing Yourself ................... Retired by 35: What Lifemoney Means to Me...................................50 Goal Achievement Exercise E ...........................................................................................21 …You Can Do It..................................................................................................................6 My Early Years ...................................................................................................................................................................................................................................................................................................15 This Was Only the Beginning .........................18 Heat Wave Tanning.................................................... / MyMusicSite...............53 Can You Dunk?.............................................................................................................................................................................................................................................................................................................. ..48 Buy Stock in Yourself .......................... ..............33 You Are in Control................................................................39 Don’t Be a Stranger (To Yourself)...... Too!............................................................................................................................................................................... 6 Overview.........................36 Millionaire’s Checklist: ...............................38 Sometimes It’s Better to Strike Out .............. Not Cash) ...........56 v ....................................................................................................................44 What Are Your Limitations?.................................41 Goal Achievement Exercise B ............................
......... 116 Can’t Get a Job? Buy the Company! .............. 118 vi .........................................................................................................................81 Tool #1: Focus ............................................84 Tool #2: Time Management .......................................................................................What If You’re Way Off Track?.......67 Nothing Can Stop Me Now….......................................... 114 Millionaire’s Checklist: ................................................................................................................................................ 110 Goal Achievement Exercise N.... 116 MacGyver It!............ 101 Progress Report ....................................63 Timelines ................................................................................................................................116 Overview....................... 115 Lifemoney Lesson # 6: Resourcefulness......................................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles.........................................................................................79 Lifemoney Lesson # 4: Gathering the Tools for Success.....................................................................................................................................................................................................................................................................................................72 Goal-Setting and Overcoming Obstacles Summary............................................................................................................................................................57 Millionaire’s Checklist: ........................63 Goal Achievement Exercise G..................................................................................61 Establishing Action Steps ...........60 Start by Writing a Goal..........................................69 Goal Achievement Exercise J ............................. 111 Evaluating Your Progress Summary ..................................................................................................................................................................................................................................................................................................................................................................................................................................92 Tool #5: Do or Die Trying Commitment..............................................................................101 Overview................................................................81 A Successful Person’s Tool Belt .......................................................................................................................................................................... 105 Maintaining Your Course .....................................................................................................................................................65 Write It Down .....................................................................................................................................................................................................85 Tool #3: Efficiency .....................................71 Three Huge Obstacles.......................K…..........81 Overview.......................................98 Millionaire’s Checklist: ........................................................................................................................................... 101 Don’t forget the map! .............................................................................................................................................................................................................................................66 Goal Achievement Exercise I .........................89 Tool #4: Priorities...................................................................Knowing Yourself Summary ........................64 Goal Achievement Exercise H..............79 Millionaire’s Checklist: ...........................83 Goal Achievement Exercise K..........................................................................................................................59 A Quick Review .....................................95 Gathering the Tools for Success Summary.88 Goal Achievement Exercise L .............................................................................................................................................................70 Goal: To pilot my own airplane ..........59 Step Up .................................................................59 Overview................................................................................................ 100 Lifemoney Lesson # 5: Evaluating Your Progress .....................................................................................61 Goal Achievement Exercise F ...................................................................................................... 103 Goal Achievement Exercise M ............................................................................................................ 107 O......................................
................................................................................................. 178 Positively Thinking Summary ..................................................................................................................................................................................................................... 170 Don’t Complain .................................................................................................You’ll Find It ......................................................................... 175 Eliminate Negative Self-Talk............................ 127 Find An Expert .....................166 Overview.......... 166 The Multi-Millionaire Blues .......... 125 Goal Achievement Exercise O..................... 128 Goal Achievement Exercise P .......................................................... 175 Keep It Moving .... 133 Goal Achievement Exercise Q...................................Best Case................................................................................................................................................................................................................................................................................... 130 Resourcefulness Summary..... 167 Change the Mental Channel.......................................................................... 147 Lifemoney Lesson # 8: 12 Steps for Power with People......................................................................................................................................... See It.......................................................................................................................................................................................... 169 Goal Achievement Exercise T ................................. 173 The Key to Success? Live Out Of Your Car..................... 182 Borrow..................................................... 195 vii ...................... 131 Millionaire’s Checklist: ............ 133 A Lesson From Trump ......................................................................... 166 Where’s Your Head At? .................................................................................................................................. 171 Goal Achievement Exercise U............................................................................................................................................................................................................................................................................................................................. 122 There’s No Need To Grow Up...... 137 Millionaire’s Checklist: ............................................................................................................................ 152 12 Steps for Power with People Summary ...................................................................................................................................................................... 181 Lifemoney Lesson # 10: Sacrifice .................................................................................................................................. 174 Worst Case ............... 149 Sharpen Your People Skills ................... 177 Goal Achievement Exercise V................................................................................................................................. 165 Lifemoney Lesson # 9: Positively Thinking ............................ 185 Goal Achievement Exercise X..........................Fix It ............................149 Overview.................................................................. 135 Goal Achievement Exercise R .................................. 135 Dream It...................... Do It! .................................................................................................................................................................................................................. Go into Debt and Max Out Your Credit Cards .................................................................................. 179 Millionaire’s Checklist: ................................................................ 194 Millionaire’s Checklist: ................133 Overview....................................................... 149 Goal Achievement Exercise S ................................. 164 Millionaire’s Checklist: .............................................................................................................. 151 Turk’s 12-Step Plan for Bridge Building................................. 176 Create a Repeatable Success Thought ....................182 Overview.................................................. 183 Sacrificing for Success ..................... 189 Sacrifice Summary ...................................Keep Looking ................................................................................................................................................................................... 132 Lifemoney Lesson # 7: Creativity .................................... 184 Goal Achievement Exercise W ............................................................................. 137 Five Creativity Factors ................................................................
................ 201 The 5 Year Test ................................................................................................................... 196 Mañana .............................................................. 201 Goal Achievement Exercise Y..................... 206 Patience and Enjoying the Journey Summary.............................................................................................................................................................................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey ....................................................................................... 208 viii ............................ 207 Millionaire’s Checklist: .......................... 204 Goal Achievement Exercise Z ............................................................................................................................................................... 198 So what should you do to be more patient? ...............................................196 Overview....................................... 202 GOAL (Go Out And Live)...................... 196 Doing Time ................................................................ 200 Enjoy the Journey............................................................................................................................................................................................................. 202 Seek Happiness in Simplicity .................................................
not money. Lifemoney will show you what you really need to live the life you want.” -George Foreman Life comes first. Lifemoney will help you understand what success really means and teach you how to attain it. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how. it’s at what income. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first. new entrepreneurs perfectly – but can be adopted at any age. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. Money is simply a tool to help you get what you want out of life. 1 . Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire.Introduction: Millionaire by 30.
For example. be it a million dollars.One of the most unique features of Lifemoney is that it’s entirely personal. it’s not the dollar figure I define as Lifemoney that’s important. It could be $240 a week or $240. it’s not the job that I feel is prestigious that matters.000 in quarterly bonuses. Imagine having the task of hammering a nail. 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. 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.400. If it’s career happiness you’re looking for. part how-to. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . Would you use your shoe? Would it work? Possibly. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. Part self-help. it’s the job that makes you happy on a daily basis or brings you closer to your goals. 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. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. a new job or just a raise or promotion in your current job. yet most people don’t use the correct tools to get what they want. In this book. if it’s money that you’re after. a new home. part financial management. it’s the dollar figure you define.000 a year or $2.
The exercises in the book 3 .My Lifemoney WANT. some executives. Instead of concentrating solely on the financial aspects of making your first million. I have distilled those attributes. used them for my own personal success. My definition of success is simple: Accomplishing what you set out to do. let alone both? I was a millionaire before the age of 30 and retired soon after. I am living the life that I want to live. My schedule and time belong to me and I do what I want with my days. Lifemoney will give you a blueprint for success in all facets of life.). etc. there are common qualities. characteristics and personality traits that you will need to get you there. So who is Brad Turk and why am I qualified to write a book about life or money. Whether you are looking to be the next pop star or the perfect housewife. This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life. Through my interactions with many successful and famous people (some recording artists. and want to share them with you. Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . I have been fortunate enough to learn that most successful people share a lot of the same attributes.most of whom happen to be multimillionaires. along with real-life examples you can use to plot your course for success. It offers a set of tools. But more importantly. not just financial. This book will show you what those characteristics are. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. If you learn these lessons – and actually follow them – you can and will succeed.
4 . you’ll find ways of: • • • • • Understanding what success means to YOU Matching what you want with your abilities Learning to go after goals by setting specific tasks with timelines Learning how to focus.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. In this book. as a result be able to adopt them to fit your needs to reach your goals and attain the success you’ve always been looking for. see what works for you and. prioritize and manage time Learning the value of determination and commitment in attaining goals • • • • • • Learning how to evaluate progress and welcome criticism Learning how to be resourceful when overcoming obstacles Learning how to deal with people effectively Learning how to use creativity to get more out of life Using the power of positive thinking Learning to sacrifice some of what you have to get more of what you want • Being patient and enjoying the journey Lifemoney is designed to walk you through each of these attributes. While reading Lifemoney you will become familiar with these attributes. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation.
Clearly. there is more to life than money but you just can’t live in this world without money. This checklist will help you quickly see if you are developing the skills that were discussed in that lesson. 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.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. What’s the answer? Lifemoney. I have created a list (that I use) of affirmations that you can also download for FREE at www.com.bradturk. Repeat these affirmations to yourself when you need a quick boost. 5 . These proven tools are specifically designed to help you plot. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it.com (Code: naNtZB). Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement. Everyone needs some kind of stimulation and/or support to keep their spirits alive. Sprinkled throughout the lessons are A-Z Goal Achievement Exercises that ask you to reflect on how to apply what you just read to your own life. Both the Millionaire’s Checklist (Code: BAyyRJ) and the A-Z Achievement Full Exercise Workbook (Code: m3sUMQ) are available for FREE download on my website at www. The higher your score – the higher your Lifemoney skill level. list and track your progress.bradturk. Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs.
Through experiences as diverse as being a break dancer. I achieved personal and financial success through various ventures in the telecommunications industry. I’ve found the American dream and retired early. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself. salesman. Over the course of my very short professional life I’ve achieved the American dream: I’m young. If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. business owner and entrepreneur. rich and retired.” -Brad Turk Overview I want to take just a few pages to introduce myself. actor.Lifemoney My Lifemoney “It’s never too early…to make your first million. entertainment field and having a 6 .
I did not strike it rich in the dot. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. whether it was through direct interaction with a mentor or learning from other sources.My Lifemoney retail tanning salon. Not all of these successes share the exact same 7 . All the successful people I discuss throughout this book including Warren Buffett. You’ll never need to go hungry again. Think of the old story about giving someone a fish or teaching them how to fish. These lessons can be learned by anyone. It’s not that hard really. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. 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. Instead. 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. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success. adapting the rules of success to your personal situation.com arena or hit the lottery. 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. teach them how to fish and they eat for the rest of their lives. Give someone a fish and they eat for a day. Consider these lessons to be the fishing rod. Diddy and even myself have been “taught how to fish” at some point in their lives. and if you’re willing to be my student for just a short time I can show you how. boat and everything you’ll need for a life of accomplishment and success. That’s what Lifemoney is all about.
and by the way. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . 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. New York. It was a much nicer neighborhood. if you don’t care about me and want to jump right into Lifemoney Lesson #1 and see what YOU need to do to be successful. I won’t be insulted. There were new surroundings. though. She kept right on plugging away with her 3 jobs.Lifemoney attributes. 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. but they usually have a lot of similarities. my mom and I had moved to Forest Hills. I got heavily into break dancing. In addition. Mom didn’t let it stop her. I learned these lessons by reading books of successful people and from my peers. By the time I was in fifth grade. best of all. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. new friends and. 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. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. When I got to junior high. New York. new neighbors. and she was a tremendous teacher. (Oh. That’s where I first learned about work ethic. rapping and acting. My Early Years I began life in the Pomonok public housing projects in Flushing. and no money. You can always come back to me later). new opportunities.
I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. Finding an agent to represent my efforts was.My Lifemoney industry. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. Actually. I bought a reference book called The Ross Report. I sent the package out to the same agents two times but didn’t get one response either time. which listed talent agents. not succumb to them. To follow my dream I had to overcome several obstacles.” The do-not-call rule was strongly enforced. a huge child actor of the time 9 . as well as how to contact them. Persistence Pays Off To make it in the acting field you need an agent. the only way to contact agents was to send query letters with photos and resumes. not easy. I decided not to sit around and wait for something to happen. I’ve always been a hustler. In fact. I followed directions exactly and sent my headshot along with a resume to one hundred agents. 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. a renowned child talent group. But the first rule of success I learned was to work around your obstacles. The first agency I visited was Schuller Talent. They represented such actors as Emanuel (Webster) Luis. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. as you can imagine. and thinking outside the box. dealing with people. For starters. Since my working mom didn’t get home until late I would go alone by train. This is when I first began to learn about the value of persistence. Frustrated by the lack of response.
I continued my conversation with the secretary. I often skipped classes. I returned the following week. But taking the initiative. who was extremely nice and reassured me she would get my packet into the right hands. and when I did show up I didn’t pay much attention.” the agent in charge of the group that I wanted to join. going out near the door where the other woman had been listening. I set out to get answers to my questions. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. auditioned. the child actor from television’s Who’s the Boss? Walking through the agency’s door I met a pleasant secretary and introduced myself. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. Hanging out with my friends and social activities seemed more important. She must have seen something about me she liked – I think it must have been my persistence – and she asked me to come back and audition for her. She followed me out and introduced herself as “Davina. I thought that she was listening to what was going on. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. Not surprisingly. Had I continued to wait for calls that never came. As a result. Looking for Motivation Unfortunately. and signed with Schuller for representation.Lifemoney and Danny Pintauro. I didn’t do very well in high school. After thanking the secretary. and found the success I was seeking. I turned to leave. I told her I just wanted to make sure it got into the correct person’s hands. I barely 10 . From the corner of my eye I noticed a woman standing in the doorway. I might not be where I am today.
I had a hard time getting into college. I didn’t have much reason to go to college at the time – I just didn’t know what else to do! Someone in my homeroom class during senior year suggested a college she thought I could get into. The following semester I got a 3.My Lifemoney made it through. But he and my mother told me that they would only support me if I did well the first semester. I decided I didn’t want to end up stuck with no way out. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. 11 .88 grade point that term. With this pressure from my parents. I applied for a double major in business and theater and. I got accepted. they explained. I changed my habits and learned how to be a student. and was eventually inducted into the Phi Eta Sigma national honor society. It was a great lesson: Not all of success is flashy and easy. If I was going to “screw up” like I did in high school. using my acting resume. I was looking to make a lot of money and enjoy nice things. I realized that my next job was staying in. I learned early on that being a struggling actor was not for me. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. Through hard work. Although you can make a good income from acting. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. I earned a 3. the odds are severely stacked against huge financial success.92. My father had resurfaced in my life to pay for college. Knowing Myself In time I would become a very successful entrepreneur. The only thing to be decided was how I would get where I wanted to go. For these reasons. And. they didn’t want to pay for it. After getting in.
I spent the last years of high school and beginning years of college working toward that goal. He answered. I still had some entertaining left in my system. I wanted more of a sure thing than acting. As with my junior high acting days. I sent out many demos to try and get people interested. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. for lunch one day. the music industry does not often accept unsolicited 12 . So I took a different route and it has paid off for me. From my break dancing and rapping days I had always kicked around the idea of being in the hip-hop industry as a rap artist. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. I asked him if he was going to order anything else.Lifemoney I remember meeting a good friend of mine.” I bought his lunch that day. When it came to making money. But before I fully ventured into business. For him. “It’s cheap and it fills me up. I knew myself and knew movie stardom wasn’t the right route at that time. That could have happened for me but I knew in my heart it wasn’t MY reality. a struggling actor. Looking back. I could see the moment in that restaurant as a turning point. But. It was a real education. But his limited income made it clear to me that this was something I did not want to do. Today he’s a successful actor who can go anywhere and order anything he wants. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. as with acting. When he only ordered soup. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. the sacrifice has paid off.
Learning About Business In addition to finding some measure of success in the entertainment side of music. My goal was to get noticed and possibly get someone interested in working with me. I kept working toward my goal of becoming a rap artist and trying to learn the business. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. I recognized the value of this attribute and stored it away for later. co-sponsored by 98. let alone were successful at it. A key lesson I learned was that if you want to understand an industry.7 Kiss FM in New York. you need to work in it. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. Although no longer in existence they were one of the premiere labels at the time. I sent in my tape. In 1991. a lawsuit can result.My Lifemoney material. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. It was validation that hard work could pay off. I knew 13 . This is exactly how you build Lifemoney. I entered the Pepsi Rap Up the Summer Contest. even for free. I also tried to learn the business side of the industry. Although I didn’t win the contest. even when you’re going against the grain. In this world you have to take opportunity where it comes if it will help you achieve your goals. I got a job as an intern (for no pay) working for PolyGram Records. In fact. I was chosen as a semi-finalist out of 500 entrants. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. This was pre-Eminem and not too many white people even listened to rap. If the artist believes a later recording is similar to his or her music.
If you want to work in politics. and access is one of them.and the men and women behind the talent the producers. The following year I released “That’s Evil Man” on ZOO Entertainment. It paid off. It worked. both the stars . feel free to import ideas from wherever you can find them. If you want to learn a business. Door after door was being closed to me. It’s important to understand what you are getting into before you are knee deep. You might find it’s not what you expected it to be. mixers. learn it from the ground up. if you want to someday own a bar you should work at a few for a while to learn the business. For example my rap name was “Sneak. volunteer for a campaign or move to DC.” along with my demo tape. 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. agents and managers. my targets would be curious enough to open it rather than throwing it away. There are more important things than money in this world. The access I got taught me lessons I could have never learned anywhere else. Basement Records. BMG. It was one of my earliest stabs at being resourceful.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. picked me up and got me signed to BMG for distribution. But it’s all valuable. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again.the talent . For example. And always be resourceful.” I once sent a sneaker in a box to a record label with the note. “I just want to get my foot in the door. a recording label. I figured if I sent a package. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 .
You see – I already understood that making money was a priority for me – an important goal. I decided since making money was a priority that it would be easier to make money in another industry and that I could always return to the music world later. which I did. The music business seems glamorous. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences. But like 15 . In 1994. It didn’t stop there. But the truth is making money is hit or miss and is more often just smoke and mirrors. I was finally seeing a dream come true. It is a difficult business to really make money.” Next Plateau. Eventually it went to number 27. 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. for more reasons than just getting airplay. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. It was an exciting time. 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.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. While I enjoyed working in the music industry. Money provides those things. but in reality there are very few people that make it big – and make the big money. That’s a hard truth to see from the outside. full of rich stars and power players. I was concerned that I might not make the money I was looking to make – and I thought I might be able to make it easier somewhere else. It was 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. actualizing my goals and watching them come to life. PolyGram Records.
and could not fully understand or relate to getting life insurance for protection for other family members. the branch focused on selling long-term care and retirement planning. Not to sound conceited. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. For one thing. Also. I decided to 16 . I did not find that product to be a perfect fit for me or my personality. I also knew that I had fine-tuned all the systems there to do my job in half the time than I had been doing when I started working with the company. I decided to take my hustling a step further. Unfortunately. And guess what? I started making more money working part-time than at my day job. 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 decided to make business decisions that would bring me closer to where I wanted to be. I could make even more money. I took over a job for a friend as an office manager for a life insurance company. I did not have a wife or family. Becoming successful. I figured if I spent more time on my part-time real estate job. The branch owner wanted to train me to sell life insurance. I understood the insurance office management job completely. I saw that real estate was more suited to my personal goals at the time.Lifemoney most young people I didn’t understand what was going on. I was interested in sales. so I pursued this opportunity. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. How did I do that? I started selling real estate at night. I went so far as to get licensed to sell life insurance. but it was apparent that I was a tremendous asset. In addition. After leaving college.
But my education was just beginning. and I went from initially working five days a week to just one day per week. You never know what people are willing to do – or what you can accomplish – until you try. the one you’re probably most interested in. For example. and there was a lot more to learn. I also promised him that the quality of the work would not change. making my own way and even started knowing myself and where my real talents and desires 17 . When I went to my boss to resign. my gamble worked! Eventually. I began to learn about the importance of defining success for myself. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. He reluctantly agreed on a test basis. I was putting those early Lifemoney skills into play and getting the same amount of work done in three days as I had done before in five. This would permit me to have two more days to sell real estate. Best of all. at the same pay. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life. 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.My Lifemoney leverage all that. I was doing well enough and was confident enough in real estate to do it full-time and get rid of my “day job.” It was a risk to leave the security of a full-time job. You never know if someone will say yes or no to a question until you ask the question. instead of just quitting I told him I could do the work in one day that I had been doing in three. 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 made sure I did everything efficiently and wasted no time at all.
evaluating my progress. I started building and using this knowledge in real estate but I really kicked it into gear when I decided to take a corporate sales job at MCI Telecommunications. But I still had to learn about setting goals. resourcefulness and creativity. I’d learned that when the big companies couldn’t supply a product.Lifemoney were. like actual cash. I was already bringing in a six-figure salary and at the end of my third year there I earned $387. I used them to create many business successes.07. and I didn’t hit it big with the lottery. I was not an overnight success story. It was basically a mini-version of one of the larger telecom corporations. I became one of the top salespeople in the nation. At MCI. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS).086. sacrifice and patience. but the skills that were created in me were worth more than cash. Rather using the attributes I list for you in this book I became successful in project after project and business after business. 18 . dealing with people – especially difficult people. Global Business Solutions. By my second year. Especially patience! It was a lot for a young person like me to absorb. Inc. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. they bought it from someone else and still sold it as theirs. That is in fact how this book got its title: I literally realized that all the triumphs and setbacks were creating skills and qualities inside me that were worth something real.
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. Heat Wave Tanning. lower to the ground and closer to the customer’s ear. allowing me to sell anything the big boys sold – and better – because I was smaller. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. you or the opportunity. and to always be so reliable that I would always be the “go to” guy in the future. I saw what the needs were and I fulfilled them. and seeing niches before everyone else. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. the customers would want you to do everything for them. When you’re always on the lookout for something new.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. I eventually contracted with many providers. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. One of these areas was in the pre-paid calling card business. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. 19 . Sometimes you go searching for new opportunities and other times opportunities find you. I let the customers guide my business. it’s harder to tell which came first. remain loyal and protect them as much as possible. I understood that customers loved a one-stop shop.
and managing customer issues just didn’t do it for me. and prepares us for the future. and Heat Wave Tanning was really a great business and a great opportunity in my life.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. The tanning business was a big change for me. I saw a line outside of the place and was wondering what they were giving away. Change is good. 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). That is true. It was exciting. A telecom business like GBS was more “virtual” than brick and mortar. 20 . and might one day do again. So I kept the business for two years. grows us. which was a huge plus for me. Better yet the business seemed as if it could run itself. It is definitely a great business that I would highly recommend. The tanning business though was more hands-on. maintaining equipment. But I felt I was ready for that. I told myself: it stretches us. building the place from scratch. I decided to open my own tanning salon. and I decided that I didn’t want that kind of responsibility. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. It was like having a puppy at home: you never felt comfortable being far away for very long. made my money and then I sold it. But I was discovering that retail businesses require a lot of time and attention. I researched the business and found out that it was a very low maintenance business and pretty profitable. I could manage most of it via remote control. It turns out that people just were going in there to catch a tan. Besides. managing ten employees.
in reality I’m busier than ever. And I love it! Why? Because I’m sailing my own ship with no boss. although I brag about being retired. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. I signed some artists to my label and I am currently marketing and promoting them. In 2007. I will make independent artist’s music easily available to their fans. For Self Made Records. I am doing what I love.com. It was a lot of work but it has been gratifying beyond words. I am now in the process of coding and developing mymusicsite. I have been launching companies left and right. set to launch in the fourth quarter.com Sometimes success comes full circle. That makes me happier than I can possibly describe to you.My Lifemoney Self Made Records. Inc. I am sometimes surprised by all that I have accomplished in such a short time. Later I was a college graduate looking to intern for a major hip-hop record label. and My Music Site. no limits and 21 . But I can afford to do this because I love it. 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. with little to no risk and helping others all at the same time. 2007. Self Made Records. Now I was a successful entrepreneur. / MyMusicSite. Inc.com are both my hobby and business. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. Inc. friends and family while providing a marketing platform for them to make their dreams come true. looking to blend business with pleasure. And what’s best is that I can afford to be patient. but on my terms.
com). Meeting ExpressO will provide full access to conference rooms which include internet. 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. This is a free website that gives the consumer a voice and enables them to be heard (rant/rave/leave video complaints) to both other consumers and the companies they speak of. In addition to being its creator. specialty beverages. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee.meetingexpresso. satellite television. and business services.com) and is a retail conference location /coffee shop. friends and family.com). The business is called Meeting ExpressO (www. We will make independent artist’s music easily available to their fans. I am also in development on another site called MyMusicSite. I am also providing a marketing platform for these artists who want to make their dreams come true.com (www. break dancing on street corners and hustling for business opportunities. Lastly.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. 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 that business. I will 22 . 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. and snack items.tellbrad. I just launched TellBrad. In addition. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating. phone.
sell it on the corner. adapt the principles described in each of the upcoming lessons. I have found the common denominator for success.My Lifemoney also receive co executive credit and be involved with development of the project. 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.)” -Brad Turk You can do it too! 23 . I will show you how to understand and learn a unique set of attributes you need to become successful. Work on the activities. Too! I began this lesson by declaring “If I can do it…” without finishing the statement. And go for it! No excuses. Now. Stayed tuned and look for my name in the credits! …You Can Do It. Lifemoney provides you with the tools you’ll need to reach your own unique potential. go by some oranges! (Orange juice outsells lemonade by 10 to 1. Keep score of your successes and failures. Lifemoney Currency “When life hands you lemons… make lemonade. when they mature. That’s why I’ve written this book. Learn who you are and what you want. Instead of sitting around thinking about what you want.
some might consider him rich 24 . Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. two very different types of success stories. My first friend. In this lesson I want to show you the importance of deciding for yourself what success means to you. pure and simple. John. as far as I know. has never cracked the seven figure mark and. These are the stories of two friends of mine – John and Steve . Success is never a game of chance and begins with clearly deciding what you are going to make happen. is in no danger of cracking it anytime soon.and though totally different from one another they illustrate what I mean by defining your own success.Lifemoney Lifemoney Lesson # 1: Defining Success “You have to arrive at your own definition of success if you ever hope to enjoy success on your own terms” -Brad Turk Overview It’s not possible to attain success without first defining it. Still.
Most days he didn’t have to go into work early and he got to sleep late. he also said he was happy with his job. who is over 30 years old. he helped them out a lot and felt that his support was needed around the house. knows what success means to him. 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 is truly happy with how his life turned out. They think that he is not responsible. he found his own success and it works for him. John’s parents also enjoyed him being there.push your idea of success on anyone. He told me that every night that he goes to bed. he just took it as a joke. just as important. Steve. he has a big smile on his face. He told me he was still living with his parents because he liked living with them. has no ambition and is going nowhere. It didn’t bother him what everyone was saying about him. While talking about the future. John. He has a beautiful boat. From a professional perspective. lives with his parents. He did it his way. You can’t .Defining Success beyond compare because he knows himself and. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. I have another friend. Then one day we were talking and John really opened my mind to something. To me. He made enough money to live on his own if he wanted to. who on the surface would probably look extremely successful to outsiders looking in. I have to confess that I kind of agreed with them. He needs nothing else to fulfill his dreams.and shouldn’t . All of my other friends make fun of him. several sports cars and a very 25 . he is successful.
Being that I know this friend well. Have you decided what your mark is? 26 . This is success for him. he is in a world of hurt. Once you define what you want and know what will make you happy. Does this sound like success to you? It might. he canceled the invite because he was actually selling one of the cars. I remember one weekend he invited me to go to the track with him to “play” with his cars. not from without.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. Why? Because they both hit their mark. The truth is that Steve lives way beyond his means. My definition of success comes from within. Before the weekend came. He is actually so far in debt that he does not really own anything he has. Most everything is owned by the bank and it seems every time I talk to him. 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. you have completed Lifemoney Lesson # 1. He also has to work harder than anyone I know. He is always making maneuvers to try and maintain his possessions. He is always stressed and always in fear of losing something. The weekend that he canceled our trip to the track was because he had to sell one of his cars to make his mortgage payment. Some people thrive in that kind of stressful environment. 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. These men are both successes.
Like fingerprints. most people are still on their quest for success. 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. They buy gym memberships and never use it. We have no control over our path and our lives can become haphazard. we all want more out of life. When you define success for yourself. we are on a journey without a map. our definition of success will be individual and unique. But becoming – and staying – successful can be tricky. They go from idea to idea. Success takes personal planning and some work. When you define success and what it really means to YOU.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. For the most part. Success means different things to different people. Although some people get lucky in attaining success. you own it. What works for some doesn’t work for others and what works for me might not work for you. If we don’t define success for ourselves. They subscribe to magazines they never read. With the exception of my friend John who I just mentioned. It becomes yours. strategy or plan they stick to in order to reach their ultimate goals. There’s simply no future in succeeding for anyone other than you. you’ve taken the first step to taking your life back. I think this is important because I see so many people who spend their lives wandering. trend to trend. get more and be more. fad to fad not really knowing what they want and drifting with the flow. They start up home improvement projects and don’t finish. most successful people (whether consciously or not) have a system. No matter your net worth or social standing we want to do more. Why do they do this? They bounce around because they’re not prepared to 27 .
Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily. They live undefined lives. See beyond money and its trappings. “The first principle of success is desire – knowing what you want.” . You should live your own life and live up to your own expectations. By starting your journey with a firm grasp of your meaning for success. 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. you will be fully able to reap all the benefits that await you.” Plant your own personal seed for success and watch it grow. What is it you really want? What. and those are the only things I really care about it.Lifemoney take full action. for you. look past that next job promotion or future company you plan to build. author of Riches Within Your Reach: The Law of the Higher Potential once wrote. As Robert Collier. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. Desire is the planting of your seed. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 .
a 22-year-old student who has just received her acceptance letter into the medical school of her choice. 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. This is a man who could do anything and have anything and is content to sit home and watch a ball game. but successful people have taken the time to really think about their definition of success. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. With all of Buffet’s billions he has always led a simple life. He is doing what makes him happy. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). She sacrificed many nights of going out with her friends and having fun in order to spend more time studying. He has lived in the same house that he purchased for $31. billionaire Warren Buffet. What would make you happy? We all define success differently.Defining Success “All I want is to have people around who love me.500 over 48 years ago. yacht or even a boat. He does not really have any extravagant items like a fancy race car. for example. She’s successful! 29 . She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams.” It works for the second richest man in the world. She has spent her whole life making sure her grades were in order to some day get into a good medical school. Let’s take.
Each of these people has achieved success. Sounds like success to me. That man is a happier husband. The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. they have not missed out on anything they’ve wanted. Then there is the couple that. 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. He’s been a total success.Lifemoney A 39-year-old business executive runs his first marathon. upon marrying. along with nutritional meals and emotional support. I call that success on their terms. Although he and his wife share a modest home. father. While his finishing time does not win any medals. 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 . agreed the wife should give up her job when the children came along to provide a stable home life for all. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. While avoiding expenses like costly entertainment or expensive vacations. and employee – or future CEO – because of this personal accomplishment. have resulted in two stable children with above-average grades and well-adjusted social skills. Living off just the husband’s income has not been easy. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. Months of preparation and training pay off for this guy’s single-minded determination.
love what you do. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. it is possible to be a successful lawyer without feeling like a successful person. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. but you don’t really want to.” .Jeff Mallett 31 . That’s why. Even though everyone usually has a different idea of what success means to them.Defining Success WHOSE Dream Is It. you might become bitter or resentful. That’s why it is important to understand your priorities clearly. So let’s figure out how you define success. While it’s a good idea to talk to your family and others who may be impacted (say. 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. I believe the common denominator in true success is happiness. It is how you view your situation that makes all the difference. what they all really want is personal happiness. in Lifemoney Lesson #2. If your parents are pushing you to become a lawyer. you’ll be finding out why it is so important to Know Yourself. you can begin to set goals on the road to success. Lifemoney Currency “Do what you love. As you see in this example. 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. leave the world a better place. So once you have an understanding of what will truly make you happy. Over time.
bradturk. read over your ideas.com.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. so make it handy and easy to access. Once you have this in place. and edit if necessary to make them readable and clear. but more importantly. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. set a timer for five minutes. Then start writing about your views on success. in your opinion. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. 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. You can use a three-ring binder. asking yourself questions like these. or download a copy of the Workbook with all the exercises from my website – www. skills. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. etc. Explain. the hallmarks of success—money. time. 32 . open a document on your computer. I am going to ask you to open this document on a regular basis throughout this book.
Money in itself does not equal success. William “Bud” Post won $16. But you just did. after declaring bankruptcy. It was totally a nightmare. won the New Jersey lottery twice. “If I only had money.” 33 . I know many people with little or no money. Everybody had their hand out. I’d be so happy” or “Everything in my life could be fixed with some cash. now lives on Social Security and food stamps: “I wish it never happened. • In 1988. they’ll tell you: • Evelyn Adams. something of a statistical freak. “Everybody wanted my money. at gambling venues. She lives in a trailer and recounts that.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement.2 million in the Pennsylvania lottery. What does she have to show for it now? Zippo.” These beliefs about money are all wrong. We all do. If you were handed everything you wanted without working for it.” Her hand was out. you might find you are still unhappy.4 million. Having come from a “no money” background. Most people just never make the move to define what they want and where they’re going. It’s amazing how some people perceive money as the answer to all their problems. Not Cash) Congratulations! You’ve taken a huge step. Ask the following people. Says the man who. too. Welcome aboard a new life. Completing this exercise brings up a point I think worth exploring. Her total take was $5. in 1985 and 1986.
not a financial figure. Here are several keys to keep in mind: 34 . that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily. the challenge. That is true success – at least by my definition. And satisfaction is more than being content. Understand that a lot of the enjoyment of meeting your goals is in the feeling of accomplishment and satisfaction that comes with hard work and success. And accomplishing your dreams – your success on your own is very important. but before a decade had passed. It seems to be a rule of life that if you have good things handed to you . That’s why Lifemoney is an internal feeling. She shared her wealth with many charitable organizations. it’s that amazing feeling you get after finishing a job well done. You Are in Control Success belongs to those who are clear about what it means to them. There is no amount of money in the world that can recreate that feeling of accomplishment. and without effort are not actually participating in the creation of their own personal happiness. Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future. and the ultimate triumph of accomplishing a mission.you miss the excitement. I know you’re probably saying “Yeaaa. To enjoy success you need to earn it.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993.the fruits of someone else’s labors . Goals are not just about achievement. she had filed for bankruptcy and had just $700 in the bank. they’re about satisfaction.
or it could take decades. it’s also worth doing despite the odds of failure and cost of success. but your dreams are out there. 3. until the value of moving is higher than the cost of those inevitable obstacles. that would be incredible. and that might not have been easy. Others have influence over you and affect you. you willingly give your power away. it resides in you. together – because you made a conscious choice to pick up a book called Lifemoney. Publisher’s Clearing House might stop by your house with that big check and. 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. but don’t forget to enjoy the sites along the way. Now all you have to do is take another step. Don’t put your trust in success just showing up. even if the voyage looks choppy. Most likely it will be bumpy. When you lay blame or make excuses. Stop looking outside yourself or to others to explain your failures. It may take months. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. And remember that it’s important to enjoy this journey so keep an eye on the finish line. and another. sure. You’ve already taken the first step. 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 they do not own your ideas or lay claim to your dreams. The power to change is your own. Anything worth doing is worth doing well. waiting for you to come and claim them. Success is not a game of chance.Defining Success 1. You are here – we are here. Chart a course for paradise.
success must mean something to you if you are ever to truly achieve it. on YOUR terms for YOU to be truly happy. Don’t feel bad at all if you’re still a little unclear about what success should mean for you. All right.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. you’ll always regret not doing it for yourself. there will always be a nagging feeling that something is missing. Success must happen YOUR way. Lifemoney Lesson #2. That’s totally normal. Let’s go there right now. If you do it out of ego or pride or greed. trust me. so don’t waste it living someone else’s life. It will become clearer the more you focus and keep your mind open. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. If you do it for the money. your old friends from school. something WILL be missing.” -Steve Jobs 36 . Whoever you’re trying to keep up with – the Joneses. Lifemoney Currency “Your time is limited. If you let others define success for you. your neighbors – forget it.
I am seeking my own personal growth and happiness. The expectations that matter most are mine. _____ 6. I will always seek to lead my own life. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. My life is mine and I’m excited to develop it on my terms. _____ 5. _____ 10. I am in control. I hope they enjoy it because you probably won’t. Lifemoney Currency “If you live for someone else. _____ 4. I will define success for myself. I am winning life’s lottery. I will decide for myself what occupation excites me. _____ 9. _____ 2. I will look beyond money to find happiness. _____ 7. I spend time learning what it will take to be successful in what I love.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. _____ 3. _____ 8. and then tally your score.” -Brad Turk 37 .
but it always starts with YOU. I can never be good enough…It just comes with the territory of knowing yourself and making the most of what God has given you. In my mind. 38 . great moves. 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.” by exploring who you were to determine who you are and clarify who you want to become. I expect to make great plays. you will build on the first lesson of this book.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success. “Defining Success. In Lifemoney Lesson # 2.
But all of these titles – husband. father. 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 life success is a self-test. or two-time divorcee. Maybe you’re carrying around a little extra baggage as a high school dropout. a computer whiz. they don’t define you. 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. right? You might be a wife or husband. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. He took a lot of heat for his decision because he was a GOOD pitcher. not a popularity contest. a student. or a musical genius. 39 . one of baseball’s legendary home run hitters. unsure or even unwilling to concentrate on what we might be great at? Often the difference between being good and being great is making adjustments that allow you to spend more of your time developing your greatest strengths. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. He stuck with the decision. lawyer. son. Before you know where you’re going. someone’s parent. banker – merely describe you.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. Who are you? Who are you? That probably depends on who you ask. a son or daughter. a company executive. This is valuable advice for many of us. unemployed worker. a basketball pro. How many of us hover around the comfort zone of what we’re good at. because he knew he had the ability to be a GREAT batter. but not without a period of introspection first. you need to know who you are.
you got sidetracked into making a living and getting by. 40 . knew you were capable of attaining. when you take a moment to catch your breath and see where you are. instead of building the future you always wanted and. the goals appear too distant to reach anymore. Life has a way of sidetracking us from our goals to deal with day to day living. looking back.Lifemoney It seems like such a simple question: Who are you? But try to answer it and you’ll find the answer is not so easy. you find that those dreams never materialized. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. If you are just starting off on your voyage to success and don’t know where to begin. and hopefully a little wiser. But now. have kids. 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. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. Whoever you are. and maybe not even worth the effort after all. Or maybe you were hoping to get married. Maybe he or she is a little older. day to day. Then. but ready to gear up for the adventure that lies ahead. whatever you’ve done. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. wherever you’ve been. start here. let me help you rediscover that person again. Instead. and live happily ever after. more importantly. you can still find the path to your personal success if you’re willing to look for it.
It is not. but he was slowly driving himself insane. restructured his organization. not the Joneses. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. (Either that. Lifemoney Currency “I’m starting to judge success by the time I have for myself. In his case. He was a very successful physician with five private sports clinics. and over the next year phased out four of his five clinics. Twelve months later he was happier than ever.Knowing Yourself Don’t Be a Stranger (To Yourself) The “know who you are” focus of this lesson might seem like a speed bump on your journey to success. Why? Because he was finally keeping up with himself. less really was more. 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. My priorities aren’t amending. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. they’re shifting. the time I spend with family and friends. or maybe just busy work. What is success if you don’t know who you are inside. This nice. If you don’t know what will make you happy. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off.” -Brendan Fraser 41 . literally. His patients and his workers loved him and he was loaded. or someone else was going to wind up dead!) He drove straight to his accountant’s office. how can you ever hope to achieve. successful.
reflect on the things that worked in your favor. certificates. “I made a wise career move by getting a better job. recognition. and/or specific steps you took while completing these accomplishments. define a recent accomplishment by personal attributes: 1.” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. Make a list of your top four or five achievements. Even if you didn’t consciously use these qualities back then. now you can see how you managed to win that particular prize. these might include honors. Under each. • • • • • “I earned a college degree.” In order to achieve this accomplishment you: • • • • Made a thorough search of opportunities Researched the companies I wanted to work with Matched my skills to company needs Prepared for the interview 42 . In looking back on your past.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. or personal achievements. For example. list your personality or character strengths.
while others could relate more to mental functions. 43 . some may be more physically oriented. You’ll begin to see how that person might emerge in the next stage of life. you: • • • • • Dated selectively Looked in the right places Studied my partner’s character before getting serious Worked on my weaknesses Got pre-marital counseling “I found an amazing partner and have a stable marriage. Let’s say for instance that when comparing the events above words like “organization. like sports competitions. You may even recognize the type of goals that attract you.Knowing Yourself 3. and so on. As you think about the things you’ve done that you have enjoyed and made you feel good. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future.” “thorough. 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.” and “selective” came up in one form or another with each of the three achievements. Look for patterns forming. like academic work.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. you will get a better idea of who you really are down deep. Some people excel at social endeavors like arranging parties or special events.
Write down the characteristics that you’ve often heard people mention to or about you. but in the renewal of spirit. You could be someone who inspires others when they go through hard times. That means laying the mental framework now for the physical action you will be taking later. Or you may be the employee that handles confidential matters at your company because the boss trusts you most. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. If you do. I would like you to make a list of the qualities others have noticed in you. Maybe your mom has always said you are hard working. passion and effort. you are on your way to getting there. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors. enthusiasm. which shows up in words like “endurance” and “commitment” and “perseverance.” 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. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages. And maybe your list reveals a part of you that loves physical activities and accomplishments. Aiming your thinking correctly requires more Workbook exercises at the start. Your list could look something like this: 44 .Lifemoney The world is full of born-again success stories. not in a religious way. So take this time to remember or remind yourself of what you want out of life. You’ve just done an assessment of the qualities you see in yourself and that you find positive.
Things that are fun for us are those that match with the ability to use these character traits.” -Derek Jeter 45 . Lifemoney Currency “You gotta have fun. This makes it that much easier to achieve your goals. You need to keep this in mind as you plan your goals and how you will reach them. we’re playing a game. It’s our job. you’ll probably find that you are drawn to things you think are fun. Since most of us do a better job with activities we enjoy. It’s business. Now you have an even better idea of how to play to your strengths as you set up goals for the future. but I don’t think you can do well unless you’re having fun.Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. Regardless of how you look at it. you will be able to confirm the qualities you see in yourself with those others have witnessed in you.
and moving on. You put things off. Maybe you have a lazy streak (sometimes I do). and then do a half-hearted job when you get around to them. right? I do. My mom’s cat died and I had to bury it.” you’re finished. But if you don’t admit to those limitations. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good. The machinery isn’t working right. As soon as you say. As long as you keep fooling yourself. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. You do.Lifemoney What Are Your Limitations? Let’s be honest. working around it or improving it. “I don’t have any major flaws. I didn’t know what I was supposed to do. you will never be able to deal with the issues that are holding you back from success. It’s part of being human. But all the while. I have a saying: denial does not change reality. you can get into some real trouble. Everyone has flaws! But successful people understand the value of admitting to a weakness. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . Everyone has weaknesses. I got the materials (or information) late.
For instance. You also can add things about your character that could benefit from improvement. But if you’re late to the interview. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. These could include personality drawbacks. or not taking shortcuts on a project. Now write down a few of your weak areas. Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait. even deciding how to invest the extra money you’ll be making. like shyness or arrogance. what good is all that positive self-talk? 47 . you can have the best intentions in the world when interviewing for a new job. write a brief description of an incident where this particular quality had a negative impact: • • • Overbearing—offended a good friend of mine Sloppy—embarrassed my girlfriend at her company picnic Late—arrived late for an interview and didn’t get the job As you begin to link certain behaviors to unwanted outcomes. like being able to say “no” when you don’t want to do something.
Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. You may want to start working on these weaknesses one at a time until you start seeing better results. Take stock of their weaknesses and work hard to improve them 2. for their failures. 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. and their efforts paid off. Derek Jeter. Don’t blame the product for being inferior. especially self knowledge.Lifemoney Successful people don’t write off damaging personal traits as “oh well. Don’t blame the weather for being late. They did what it took to climb the mountain of their success. Of course. Always assume personal accountability. Don’t blame the economy for low profits. is useless if you don’t act upon it. But remember that people like Donald Trump. There are so many things you can do. they blame themselves In other words. get rid of it. Bill Gates. that’s just me being me. don’t write it off as a cute character flaw. they: 1. Eat breakfast on the way and tie your tie in the parking lot. for their triumphs. for their weaknesses.” Instead. they blame themselves 4. they blame themselves 5. so take action. for their inactions. for their actions. it’s easy to throw in yet another excuse about finding the time to make these changes. the minute you start passing the buck. And action means work. 48 . for their strengths 3. and Russell Simmons didn’t earn their millions by making excuses.
then choose something that includes some type of numbers work like accounting or investments. But within weeks they discovered that their great inventions were totally useless. What matters is that you freely explore any path you wish until you find the one you are destined to travel. They treat everything they try as an experiment. you can find a path—or blaze a trail—that will lead to your personal happiness. Though it was a full blown failure. they viewed the results as useful information. For example. Another example was a short lived photo search engine called Riya. Using mistakes as useful information is the way many large companies are innovating.com. one of the most successful photo search engines on the web. Maybe you’ve already tried success “your way. So rather than dubbing the whole project a failure. On the other hand. Google created an early version of Google toolbar with all kinds of great features. Whatever your interests and skills. the lessons learned provided the originators with priceless information which allowed them to create Like. then do the work it takes to eliminate weaknesses and build on your strengths. Or then again you might end up on the exact same path your grandfather took a century ago.” but it didn’t work. If you’re good with numbers. if you like words and books choose a different road to your success such as writing or communications. They decided to view “failures” as information sources for building new things.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. Many people have failed at that. 49 . Then be fearless about taking it. Or it didn’t last. 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. Maybe you’ll take a route that no one in your family or neighborhood has tried before.
” Just think of that for a second. an Internet operation.P. But they know enough about themselves to know what makes them passionate and hungry.. Morgan was to finance. Twenty-six times. I’ve lost almost 300 games. Walter Elias Disney. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories. Consider one the top 50 business influencers of the 20th century. Starting with a little mouse. a publishing house. I’ve failed over and over and over again in my life.” -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. Disney founded a $20-billion media conglomerate that includes a TV network. As Walt himself recalls. Theme parks with the Disney name are located in the U. Disney was to fantasy what J. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. France. a film studio. I’ve been trusted to take the game’s winning shot and missed. And that is why I succeed.S. and Japan. Many successes start right where you are: not knowing themselves very well and beyond broke.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. and a worldwide store chain. “It all started with a mouse. and they don’t let lack of money or support stop them. It’s easy 50 .
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. Remind yourself of the unique skills you bring to the process. failure and distraction along the way. Now. never tell yourself that you can’t do something because it’s never been done before. Under each thought you write. So let me ask you again. Walt Disney held firm to what he knew. never let the world tell you that you can’t do something just because it’s never been done before. But more importantly. This is done for two reasons. Goal Achievement Exercise E Take out your Workbook. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish. or building financial security. landing your dream job. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. list the qualities that you think you would need to achieve them. finding a life partner. it will help you understand if you are looking for success in the wrong places by objectively 51 . as well as any new talents you may choose to develop along the way.Knowing Yourself to imagine success when it’s already been done before. such as getting in great physical shape. Two. He stuck to his singular vision of himself and is now revered as nothing short of a genius. One. Through rejection and derision. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about. The reason for this exercise is to begin the process matching your abilities to some of the things you want. but what if it’s never been done before? That’s the dilemma Walt faced. Stay centered on who you are and the goals you want to achieve.
Knowing Yourself. For example. Here was a guy who seemingly had it all – loads of money. Understand that fortune and fame doesn’t equate to success. the Hollywood Dream – and he left it all behind to risk his life and fight fires. screaming fans. because he knew he couldn’t be happy doing anything else. Why? Turns out he had Lifemoney Lesson # 2.Find More As you learned in Lifemoney Lesson #1. In other words.Lifemoney highlighting what’s required for success. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. down cold. Know yourself and double check your motivations for success. wouldn’t you almost kill for a chance to be a big Hollywood success? And what are the chances that you’d walk away from your success at the very pinnacle? That’s what happened to former TV heartthrob and star of the hit TV series “90210” James Walters. and comparing those qualities with what you deeply desire to develop within yourself. be careful what you wish for. making a million dollars doesn’t necessarily mean you will be happy. As an example. knowing yourself and being true to yourself makes you successful. adoring women. because when you get it. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. it might not be what you expected. What remains important is that you feel successful at every step of 52 . if you want to make a million dollars. Make Less . you must understand why you feel a million dollars will equate to happiness.
” you’re in the conditional happiness trap. See how that works? If you say “I’ll be happy when…. While waiting for the fish to bite. Ask yourself this: What happens until then? Truly successful people make peace with. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water. Although success is a worthwhile goal. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii. and enjoy.Knowing Yourself the process. not a destination. but that he only went out to fish a few hours each day. The next day. The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege. They recognize that success is a journey. While there. Fisherman Joe told the executive that it would be a pleasure. 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. where they are right now. The businessman had no problem going out for just a few hours while his own wife visited the spa. So many of us set conditions for our happiness. and that to skip the rest stops. the executive was impressed with Fisherman Joe’s skill and 53 . and that most of his day was spent with his wife and children. he asked the locals if there was a fishing boat that went out daily. like “I’ll be happy when I make my first million. or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership.. obstacles and roadside attractions along the way is taking away from true success. today. the two men took the boat out on the seas. detours.
The prosperous businessman. The business life was not satisfying.A. Joe decided he could not take this life anymore. Just a couple of hours a day supplies all my needs.” Joe replied. who had reached his goals.A. But Joe was now worn out. truly amazed. After a slight hesitation. The two men moved the business headquarters to Los Angeles. Joe shrugged.Lifemoney ability to find the best spots to reel in a terrific catch for the day. “I sell most of ‘em. He spoke to his partner. 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. Soon business was booming. had no problem and 54 .” “What do you do with them all?” the business man asked. and remove himself from the enjoyable part of his business—fishing—he did it anyway. “How do you get so many in so short a time?” the businessman asked. for the man seemed unusually humble. “After so many years. they finally went public. After five grueling years. Fisherman Joe went from working full-time on his boat to getting three boats. and then working a fleet. Working day and night was more than he had expected. Although Joe was reluctant to leave his comfortable home and family while working in L. I know their habits. “How would you like to go into business with me. would aid his partner’s goal of taking their company public. as though he was unaware of the value of his skills. asking if he could cash out his shares and return to Hawaii. Joe agreed. Finally.” The shrewd executive knew a good thing when he saw it. Joe knew that being in L. and did not really enjoy what he was doing. “and take home what’s leftover for dinner.
and then I am going to spend the rest of my time with my family. It’s that you should know what you want out of life. The interviewer was amazed by Joe’s journey and the story behind his success. He already knew what success looked like to him. but he ventured away from it for more money. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. it is.A.” The moral of the story isn’t that we should not try hard or set high goals. a popular magazine interviewed him. “Yes. But Joe found it a waste of five good years of his life..” Joe replied thoughtfully. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. and many might have found it fulfilling. Before Joe left. He started by taking a small fishing boat out for a few hours a day before returning to spend the rest of his time with his family. the entire experience had been a detour from Joe’s own sense of success. This journey was quite productive.Knowing Yourself wished Fisherman Joe well. In the end.” the interviewer commented. “From fishing a few hours a day to a multi millionaire. what are you going to do?” Joe replied that. Two very different men viewed the exact same experience in two very different ways. Both of them found success in completely opposite directions! 55 . and he ended up doing exactly the same thing. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success. so I can fish a few hours a day. his journey brought him right back to square one. that’s quite a journey. “I’ll get a small fishing boat.
But he is the exception to the rule. just understand the obstacles that you are going to face. being true to yourself and finding your happiness makes you successful. you may find your work unrewarding. A local community college may also offer these assessments free of charge. Assessment testing can also help find your natural strengths. Sometimes it will take that much more work. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. They can measure your characteristics and ability to acquire additional skills.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. unchallenging and even difficult. No one knows better than you where you feel confident versus where you feel unsure of yourself. 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. If you don’t know where your talents lie or still don’t know what you feel you would be good at. time. Do you have that drive? If so. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. who not only played professionally. -Brad Turk 56 . Lifemoney Currency Understand that fortune and fame don’t equate to success. and if you work in a field that doesn’t match your natural abilities. Certain occupations will be a better fit for you than others. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. take an aptitude test. Is that a realistic goal for you? It was for Spud Webb. Aptitude tests can provide some insight into your talents and abilities. go for it.
Knowing Yourself Summary
We focused this lesson on discovering who you are and who you want to become. Answering these questions lays the groundwork for success. If the groundwork isn’t solid, the whole house will crumble. Remember that anything you set your mind to, you can achieve. The only limitations you have to achieving your goals are the ones you set for yourself. Use your understanding of your strengths and weaknesses to achieve your goals and you will achieve excellence. The best part is that when you know who you are, you’ll achieve it on your own terms.
“There is no discrimination against excellence.” -Oprah Winfrey
Check all the items below that you agree with, and then tally your score, giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 2. _____ 3. _____ 4. _____ 5. _____ 6. _____ 7. _____ 8. _____ 9. _____ 10. I will discover what truly makes me happy. I have given serious thought to the roles I’ve played throughout life so far. I can remember specific goals for my life when I was young and idealistic. I have reclaimed those goals or revised them to fit my future plans. I have thought about the skills that others see in me. I have matched up my goals with my abilities. I have reflected on past achievements as a way of planning future success. I have identified specific weaknesses or flaws that need to be addressed. I am ready to take responsibility for my weaknesses and start changing. I will not let life’s distractions sidetrack me from reaching my goals.
“View mistakes as missed takes - take mistakes and learn their relevance.” -Brad Turk
Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles
“You should set goals beyond your reach so you always have something to live for.” -Ted Turner Overview
Every journey needs a beginning. Planning, road maps, and packing are what prepare us for the trip that lies ahead. Although you are probably excited to hit the gas pedal and get rolling, overlooking these planning stages could set you on the wrong course. This Lifemoney Lesson prepares your navigation system of goals, action steps, and timelines and will give you the knowledge to handle the inevitable obstacles that will come your way.
A Quick Review
Let’s quickly review. In Lifemoney Lesson # 1: Defining Success you took the first step in your quest for success by understanding what success means to you and
Lifemoney forming an idea of the type of accomplishments that will make you happy. Lifemoney Lesson # 2: Know Yourself helped you learn more about your true wants and needs, and made you aware of what personality traits you will need to get you there. Now, in Lifemoney Lesson # 3, you’re ready for the next step on the path to selffulfillment: Goal-setting. This lesson will guide you through the process of creating some goals, developing an action plan behind your goals and deciding what you need to do in order to achieve your dreams in a timely manner. Let me start with a great story that illustrates two people with goals. One person has a goal with a plan and the other person is totally unscripted.
Six-time Grammy award winning rap star Kanye West knows a little about setting goals and overcoming challenges. Kanye wanted to be a successful rapper, but was known in the industry as a producer. His label, Roc-A-Fella Records was initially reluctant to support West as a rapper, because they saw him as a producer first and foremost. Nobody thought he had much star power. Companies felt he was not as marketable as rappers that portray the ‘street image’ that is prominent in hip-hop. But even with the Roc-A-Fella record deal Kanye West was not going to wait for anyone to take notice of his rhyming talents. If Kanye had not believed in himself, stepped up and remained persistent in reaching his goal – his definition of success - he might just be another producer on the Roca-A-Fella roster. But Kanye West had a goal, and it wasn’t to be a producer. So on his own initiative he planned, paid for, and filmed his first video for “Through the Wire,” which catapulted him into superstardom. It appeared that if Kanye had not done this on his own
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. would make you a happier person. 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. Nobody. His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token.or the opinions of others . For this exercise. It’s time to write some goals right now. Every successful person I know has clear goals they’re reaching for. Mr. obstacles became simply inconveniences to be overcome.Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. 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). Goal Achievement Exercise F Take out your Workbook.to side track their journey. Kanye West vs. And they don’t allow $2 tokens . It is the first step of turning the thought of doing something into the reality of achieving something. For instance: • Goal: Starting up a home-based travel agency 61 . make a list of your top 3 goals that. For two full days this artist could not come up with the resources for even a $2 token to get there.
stronger. it’s often hard to see them as real. Just watch television. They happen every day. Relax. Those people are not smarter. get started! 62 . The problem with dreams is that we’ve dreamt them for so long. that’s natural. listen to the radio. or read a book and you’ll see hundreds . they simply learned these lessons a little sooner and applied them a little earlier.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.even thousands of people who have applied action and planning to make their dreams real. or better than you. Dreams are real and they do come true if you follow this path. Now is your time.
timeframes. Order a separate phone line from the telephone company iv. Research classes that offer test preparation for agent exam ii. An action plan is just a series of steps you plan out ahead of time to take systematic action. What bridges that gap? Action steps.) iii. Below each. Schedule exam • Build out basement to accommodate office i. Clear space for new furniture 63 . We all know that goals just don’t happen. Goal Achievement Exercise G Take out your Workbook. Understand the testing process (where given.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. Start looking into office furniture and equipment iii. Prepare for exam iv. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. etc. break the list down into three or four action steps you would need to take in order to reach that objective. Find out construction costs for renovation ii. Let’s set up an action plan for your goals right now. It’s what lies in the gap between setting goals and achieving goals that separate Kanye West and the no-name rapper I talked about earlier. It could look something like this: Goal: Open a home based travel agency: Top three objectives and possible action steps: • Get travel agent license i.
objectives and action steps. So not only do they spend a lot of time managing their time. Figure out a budget of what the business will cost ii. Now you’ve written goals and some action steps that lead to the goals. Figure out what amounts of money will be needed to live off of while building the business iii. Successful people know that there are few assets as valuable as time. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. 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 . Let’s say you want to own your house debt free within ten years. deadlines slip sometimes and you have to readjust your schedule. but they also add urgency to their goals by making themselves accountable to deadlines. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable.Lifemoney • Raise and save enough money for expenses and salary cushion i. Start putting away money weekly toward travel agency iv. Sure. but without a schedule to start with you’ll never know if you’re slipping.
many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. and then they set times and dates when things will be completed. Goal Achievement Exercise H Take out your Workbook. many people leave this step out and things just never get done. For instance if you want to start your own bakery. Timelines do not mean deadlines. You’ll need to adjust. you should set reasonable deadlines and do everything you can to meet them.Overcoming Obstacles realize that this goal does not have a reasonable timeline. Beside each of the objectives and action steps. they are guides. jot down a date for reaching them. Unfortunately. give yourself a year. be VERY realistic about your timeline. The goal is still reasonable. Schedule changes or circumstances may require adjusting a date now and then. 65 . This is an easy step to take. You must schedule your goals. If you need a year. but the timeline isn’t given the circumstances. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. rushing into it is more dangerous than not starting it at all. As a result. not written in stone. but for the most part. Let’s actually do it now. objectives. Go back to the list of goals. but it’s also easy not to take. and that gets your heart rate back within normal ranges and allows you to actually sleep at night. give yourself six months. objectives and action steps. With a large goal like opening a new business. and action steps. Successful people set goals and objectives. they identify action steps.
Written words are also great for organization and focus. 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). After he said he was going to take care of one of the items that I did not want to do. About 30 seconds of silence went by and he asked me why I became quiet. Never underestimate the influence of actually seeing your goals written out and in front of you every day. “I’m waiting for you to write that last item down. I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. I told him. Write It Down Words are priceless. I learned early on a major flaw that he had that amazed me.” 66 . His solution was to write everything down. He probably had the one of the worst memories I have ever seen. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline.Lifemoney If you keep on falling behind and have to reset your dates. I actually had a business partner who is one of the smartest. he knew how to compensate for his flaw and it practically never affected his work or his success. most talented and gifted people I know. I stopped and paused. you might have to adjust your action steps or your due-dates to make them more reasonable. Like most successful people.
tasks first. Depending on how organized you are. but you will make progress and. You should get the boring. You may not get everything you had planned done in a given day.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. realistic. moving you closer to achieving your goal. Do the important. even if unpleasant.” -Les Brown Goal Achievement Exercise I Make a daily written. For goal setting you will need to prioritize tasks. Every day you should be aware of all your goals and the steps needed to attain them. Keep it in the notebook you have been using or in a calendar program that you can keep handy. and visualized steps. Set aside some time each morning to review your list and begin working on the listed tasks. committed. reserve a block of time to do what needs to get done. you may be able to do more things in a day. annoying. over time. Here are a few tips for using your daily “To Do” list: 1. “To do” list which you will reference daily. and plan specific. measurable. you may need to break down the week by hours to make sure you are managing your time properly at first. 67 . and anxiety producing things out of the way when you have more time. set deadlines. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid.
and I am happy with it. I do this. I know I could come up with a more efficient method.Lifemoney 2. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up. do what works for you. Carry a pocket-sized list with you at all times. I will do things like leaving a basketball by my front door. With computer programs and organizers you can adjust lists quickly and neatly. 3. We need to take luck out of the equation. but it is visible and reminds me daily to get out and play. Computer programs and electronic organizers can save you a lot of time over manual lists. It is not in the way. your PDA or phone alarm as a reminder. but it works. Although I suggest technology. 4. but it is not really a priority that I want highlighted on my daily to do list. -Brad Turk 68 . For example. Obviously. I want to start playing more basketball. I don’t recommend this method. So if you need post its. you plan to fail. use them! Lifemoney Currency It’s true – if you fail to plan. even I know it is kind of strange – but it works for me. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. It’s just something I want to get around to doing more often. I have a main list at home and a daily list that I take with me. Learn how to use technology.
There were a lot of smaller companies. But MCI was not concerned with this. taking market share away from MCI and AT&T. I found that MCI was one of the highest-priced long distance service providers on the market at that time. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. newer provider. not price. Adversity and obstacles will come up along the way whenever you start setting goals. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. and you must be mentally prepared to deal with them. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face. now is the time to knock them down forever. These companies were offering rates that were about half the price of what we sold.” Unfortunately. because it mostly affected the smaller customers. it is extremely difficult to sell value at two times the cost for the same product. They step up and success is their reward. The MCI philosophy was “we’re selling on value. Whatever obstacles have been preventing you from starting your journey. with fewer expenses. 69 . not stumbling blocks in their path. Successful people use their Lifemoney skills to look at obstacles as opportunities. Mental and physical preparation is essential to finishing any journey.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. Most of their larger customers simply wouldn’t take a chance with a smaller. My problem was that I was the one handling those smaller customers.
get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. I started looking for other products to sell even though long distance was supposed to be our main focus. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. Below that. 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. let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. That meant that for every 100 reps starting at MCI.Lifemoney I quickly scrambled to find a solution. Be honest and write every obstacle and fear you can think of. Then come up with the solution/objective and an action plan. Describe one of your main goals in a sentence or two. With firm goals and objectives in mind from Exercise F. Luckily. This was the beginning of a booming market. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . I had to overcome this obstacle so that I would not be in jeopardy of losing my job. but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. 95 left or got fired. The turnover rate for my position that year was 95%. Lifemoney Currency “If you don’t like what’s on TV. list possible or proven obstacles or fears that may be keeping you from reaching your goal.
and manageable. • I don’t have a plane. so that you will 71 . Here’s an example of what your obstacle list and action plan could look like: Goal: To pilot my own airplane Obstacles: • I don’t know how to fly. and colors for different people. 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. It’s like your teachers used to say in school: “You’re only cheating yourself”. so you will need to spend some time figuring out the possible or probable barriers to your goals. People just like you and I. start a savings account with regular deposits. These obstacles come in all sizes. clear. etc. they add action to their goals and steps and turn dreams into reality. Objective: Research planes and prices Action Plan: Go online and research planes. etc. etc. but they are action heroes. Each part of this process should be specific. focused. So how do they do it? They are not superhuman. find an online interest group. save money for classes. So is flying an airplane impossible? Of course not! People fly planes every day.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. • I can’t afford a plane. shapes. Objective: Take Flying Lessons Action Plan: Research Classes. Objective: Find out about buying a used plane Action plan: Find out about bank loans.
your real goal at first may seem almost impossible to reach. All of these steps we have completed so far help you get focused. you’re probably going the wrong way.” -Brad Turk Three Huge Obstacles In my life as a successful businessman. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles. and manage your way to achieving your goals. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. procrastination. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. allowing failure to be an option. we learn from our success and failures to meet the next obstacle with even greater results. As with this goal of flying. They say if everything’s going your way. When we face challenges and overcome them. the goal suddenly seems reachable. stay clear. you’re probably going the wrong way. 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. That’s because life is supposed to be a challenge. Lifemoney Currency “They say if everything’s going your way. making excuses. and 3. 2. Number 1: Procrastination 72 .Lifemoney end up where you want to be.
” “I don’t have the help I need.” “My husband says it won’t work. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4). 73 . and some of us are experts at it. To me.” “It costs too much.” “I’m over-committed already.” “I don’t know where to start.” “The kids need me right now. We say things like: “I’m too busy. or avoid taking action steps once the plan is made. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination. too.” “I can’t find a minute to myself. All the time that is wasted procrastinating is not putting us closer to reaching our goals. By procrastinating I mean putting off or delaying an action or task to a later time or date. procrastination is one of the worst enemies of success.” The list goes on and on. 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’s easy to put off making a plan for starting the journey to your goals.” “My wife’s nagging won’t let me think.
We all know time-suckers. • Do a part of the task. or things (Xbox/housework/chores). just go and focus on doing the weight training. Example: If you’re not feeling well and you are supposed to do cardio and weight training. Example: You are on the way to the gym and your buddy calls you to go out somewhere. Maybe after that is done and your body is in motion. the rest willing to let them. • 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. You’ll feel better after you do. some willing to work. you might be feeling up to doing the cardio. be they people (your lazy cousin Eddie). places (the mall). Even pick one of your favorite exercises to start.” -Robert Frost h i nk about that quote.Lifemoney Lifemoney Currency “The world is full of willing people. Instead of doing the dreaded cardio. do “a part” of the task. Just do it! Example: When it’s time to go to the gym. Maybe a part that interests you most. Just get up and go. go. You tell T 74 . Which one do you want to be? Isn’t it time you stop playing victim and start working on your plan for personal success? I have listed some effective ways to overcome procrastination (and an example for each using the goal of getting in shape): • Just start! Don’t let any thoughts enter your mind and don’t think about the task. Or don’t think about not feeling that well at the moment. Don’t think about the whole thing.
If failure is always an option then success may never be within reach for you. and spend every waking minute realizing their goal. colleague or friend. he’ll be waiting for you when you’re done. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. not the task. find a workout partner. think of how you are going to look at the beach. • Write down why you’re avoiding the task. Example: If you don’t feel motivated to go to the gym and you dread having to go. Example: If you need outside motivation. visualize the result you’re after. All successful people meet their obstacles 75 .Overcoming Obstacles him you can’t but he is persistent. Many successful people consciously visualize a result before beginning a task. don’t think of the exercises that you need to do. which explains why a significant number will fail or relapse when the going gets tough. For instance. Yet most of us grab onto great ideas for self-improvement without much thought. You can hire a trainer. • Focus on the results. • Find a partner. I’ve seen people literally write down “make a million dollars this year” on an index card. not the steps it takes to get there. fold it up in their wallet. Then work on the task and write down how you feel now that you’ve done some or all of it – enjoy that sense of accomplishment. Sometimes we just need a little outside perspective from a family member. While this may be extreme. You need to be firm and stick to your plans and continue on to go to the gym. get a friend involved or find someone at the gym who keeps the same workout schedule. If he’s a real friend.
The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. star and creator to see his project come to life. Even when some degree of success was in his reach – he was offered thousands of dollars to buy the script at a time when he and his wife really needed it – he saw a half-deal as a failed deal. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. you may never know. 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 . Stallone refused to fail. Much like the boxer in his now famous movie. but lost out on several of them because he believed he was the only actor who could pull off the lead role to his demanding specifications. How far are you willing to go for success? If you concede failure before you even begin. at last. He persevered until. Sylvester Stallone went through huge trials and tribulations as a writer. he found a movie studio willing to buy both his script and his portrayal of the main character.
my sister enrolled in medical school. You might feel too old to reach your goals or that it is too late to realize your dreams. For example. But it is never too late to achieve your desires. Life circumstances and 77 . This becomes a lifestyle challenge that you must address. At the age of forty.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. Being a doctor has been her desire since she was a child. you may be tempted to light up with your buddies at the bowling alley. if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights. Emotionally speaking you may be thinking it’s too late for you to change.
This is just not acceptable. Start with one goal at a time. But guess what? Excuses are worthless! There is never a need to make an excuse. Number 3: Making Excuses Excuses are very powerful. the thing you were suppose to do did not get done. Excuses are probably one of the biggest obstacles that keep you from achieving your goals. -Brad Turk 78 . Your action steps might include dressing the part of the higher position. maybe even a small one. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. be definite and defined about the action you will take and when you will take it.Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. Rather than making excuses. working overtime to prove your usefulness. and approaching your supervisor at just the right time to maximize your chances for success. when you make an excuse for not doing something. Lifemoney Currency If failure is always an option for you then success may never be. like earning more money by asking for a promotion. The bottom line is. Your elaborate reasons will not impress anyone. they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do.
We need to do everything in our power to make them happen. remember that when this process is complete you are ready to step on the gas and head on toward your destiny. Being prepared to face them is a huge factor in overcoming them when you meet them. _____ 2. That means creating a written plan for reaching a specific goal. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. 79 . We need to do everything in our power to make them happen. Let me repeat: NEVER FORGET to anticipate that obstacles will come up. action steps. timelines and an idea of some of the obstacles you’ll face.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. The plan should list the goal. and then tally your score. Lifemoney Currency: Good things don’t just happen by themselves. I have a good idea of my action steps to reach each goal. Whatever you do. objectives. I am ready to create goals. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with.
I have plans to fully and completely address all roadblocks to my success. I am ready to adopt the mindset of someone who will be successful. I am ready to stay committed to my written plan and see it through with daily reminders. Lifemoney Currency “Excuses will get you everywhere.Lifemoney ___ 3. _____ 6. _____ 7. No excuses: I will not let myself off the hook. _____ 4. I am looking to see how technology can make my life easier. _____ 8. Just not where you want to go.” -Brad Turk 80 . I plan to tackle the more difficult things on my “To do” list first. I have thought about some of the obstacles I may face. I have created a timeline for my action steps that appears to be reasonable. ______5. _____ 10. _____ 9.
The five tools are focus. well done. time management. good point. inventing the wheel.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned." Overview Success requires the right tools. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. Learn to use these five with skill and you’ll achieve whatever you can dream. My favorite is the one where a television anchorman says to the caveman. awesome. 'Good job. priorities and commitment. efficiency. Yeah. like walking upright.” 81 . “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. discovering fire. you’re right.' it would have made me actually look and feel ridiculous. and laying the foundation for all mankind. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen.
We create mental tools to help us achieve greatness as well. If you stop to think about it. There was a time when people had to be told how to use a telephone. successful people use many of the same mental tools – and use them well. Technology is just a tool. People use tools to improve their lives. nearly everything in our world is a tool.our tools surround us. you need to select and develop the tools that will help you achieve your goals. cars or computers .” -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. Whatever the task requires . Here are some of the strategic tools that will help you succeed in achieving whatever you dream: • Tool # 1: Focus • Tool # 2: Time Management • Tool # 3: Efficiency • Tool # 4: Priorities • Tool # 5: Commitment Lifemoney Currency “There was a time when nails were high-tech. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make. Though different tools may suit different people best. Now that you’ve made up your mind to go after your dreams.stoves.Lifemoney We’ve been innovating and making tools since we lived in caves.
Tools for Success
Tool #1: Focus
Bruce Lee, the martial arts expert and movie star, once said, “The successful warrior is the average man, with laser-like focus.” Focus is something we don’t usually hear about but trust me: it is on the minds of every single successful person. Focus is exactly what the name implies; a narrowing of the lens until we get bullseye aim on our ultimate desire. We live in a world full of distractions. There are more TV channels than we can ever hope to watch, an entire industry devoted to creating computer/video games, four new movies to choose from each week, nearly 200,000 new books that get published each year and nearly that many new CDs. When you add in blogs to read, email to keep up with, instant messaging, cell phone calls, and all of the other daily distractions we deal with, it’s a miracle we get anything done at all! It is extremely important to stay focused on your goals. Don’t be distracted by external things. Distractions and challenges will come daily, if not hourly. These could involve the things mentioned above, people in your life, your job, your hobbies, or just about anything else that comes your way. Look past your obstacles and stay focused on where you’re going. This is how you handle obstacles effectively and keep yourself zeroed in on success. Notice I didn’t say you don’t have to deal with the obstacles – you just simply have to return your focus to your goal as soon as you deal with the obstacle. As you begin to recognize some of the common factors that have been sidetracking you and possibly bankrupting your motivation to accomplish goals, you will develop a clearer mindset on how to avoid distractions in the future so you can steadily pursue your personal vision of success.
“The successful warrior is the average man, with laser-like focus.” -Bruce Lee
Goal Achievement Exercise K
Take out your Workbook. List the typical distractions you face in a given week. From unwanted phone calls to sorting email, write down everything that takes time away from more important matters. Here are some possibilities: • • • • • Yard work House chores Chatty neighbors or co-workers Last-minute errands Television, computer, or video games
Beside each distraction, write one or two ways of seeing through the distraction, as shown in the following examples: 1. Yard work—get the kids to help more; hire someone to do it; schedule certain days for it. 2. Unplanned errands—do what you have to; postpone non-essentials. When you identify your most frequent distractions, you can stay more focused by spotting them early and seeing past them. The key to laser focus is recognizing what
Tools for Success throws you off focus and planning what you will do about it ahead of time. There is no substitute for knowing exactly what drags your focus off point.
“A major part of successful living lies in the ability to put first things first. Indeed the reason most major goals are not achieved is that we spend our time doing second things first.” -Robert J. McKain
Tool #2: Time Management
Imagine there is a bank that credits your account each morning with $86,000. It carries over no balance from day to day. Every evening the bank deletes whatever part of the balance you failed to use during the day. What would you do? Draw out ALL OF IT, of course! Each of us has a bank like this. It’s called TIME. Every morning, it credits you with 86,400 seconds. Every night it writes off as lost whatever amount of that precious, precious time you failed to invest to good purpose. It carries no balance. It allows no overdraft. Each day it opens a new account for you. Each night it burns the remains of the day. If you fail to use the day’s deposits, the loss is yours. There is no going back. There is no drawing against “tomorrow.” You must live in the present on today’s deposits.
Lifemoney Invest it so you get from it the utmost in health, happiness, and success. The clock is running. Make the most of today. Consider the following list which has circulated on email listservs many times. To realize the value of ONE YEAR, ask a student who failed a grade. To realize the value of ONE MONTH, ask a mother who gave birth to a premature baby. To realize the value of ONE WEEK, ask the editor of a weekly newspaper. To realize the value of ONE HOUR, ask the lovers waiting to meet. To realize the value of ONE MINUTE, ask a person who missed a train. To realize the value of ONE SECOND, ask a person who just avoided an accident. To realize the value of ONE MILLI SECOND, ask the person who won silver in the Olympics. Time is far more valuable than money, personal resources, and sometimes even health. Why? Because it is the one thing you can never get back. Once a moment passes, it is gone forever. You have lost the chance to make good with it. All you will have is a memory. If you are wise you put your time to good use – just like you invest money in the bank. But if you are careless then time will be wasted, leaving no significant memories and giving you no investment for future use. Time is the ultimate variable between success and failure. It is extremely rare to find a successful person who doesn’t manage his or her time effectively. Find ways to
think of the extra hours you could find just by adjusting to one less hour of sleep per night. The next time you’re tempted to spend time where it won’t count for much. busy with multiple high-profile projects including a daytime talk show and cookbook empire. days. after 50 years you would have spent more than a year of your life “wasting time. only sleeps 4 or 5 hours a night. finish whatever you start. Second. talking over the fence to your neighbor. let alone two or three. ignore the invitation and do something constructive.” 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. 87 . enjoying your family. interesting. Take it a step further and think of how much time we waste every single day. or browsing the classifieds or eBay for things you don’t need.Tools for Success manage time well and you become a master of extra hours. While this may be extreme for you. If you wasted just 30 minutes a day on surfing channels. If you’re unclear about your objective you’ll be unclear about the time you’re spending. or useful for others or yourself. Third. Extra snippets of time come in the most unlikely places. In his latest book. Donald Trump suggests sleeping only 4 or 5 hours a night. First. like building a career. Trump: Think Like a Billionaire. Just pride yourself on finishing projects and never allowing them to linger unfinished. To manage your time better I would suggest four things. contributing to the community. weeks. or reaching that goal you think you just don’t have time to reach. too. minutes. insists that she. be very clear about what you’re trying to accomplish each day. months and even years. driving to the store. Rachel Ray.
Salem’s Lot. How does one author manage such a staggering number of pages? The answer is efficiency. You are the only one who can guard your time – no one else will do that for you. and Misery. energy. 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. The Green Mile and Hearts in Atlantis. Lifemoney Currency “The bad news is time flies. except for three: his birthday. or any other resource you have available. money. Fourth. King has consistently published three or four novels per year. the Fourth of July and Christmas. The Shining. Remember that your time is your time. Carrie. King has long said he writes at least four hours a day. So even though he is not working 10 hours a day on his books. all of them bestsellers and featuring such instantly recognizable titles as Cujo.” the author is also the mind behind movies like Stand by Me.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. the author of some of the world’s most popular novels. It’s a good lesson for all of us: you might surprise yourself 88 . Since publishing his first novel. While many consider him the “King of Horror. The good news is you're the pilot. back in 1974.” . he is efficient with his time and committed to writing practically everyday. every single day of the year. Someone who knows a little something about being efficient is Stephen King.
Ask yourself. some activities are more efficient in getting you 89 . From now on. when you get the chance to make decisions. Goal Achievement Exercise L Take out your Workbook. you may need to reconsider that decision. 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. My guess is that you will get more done in four focused hours than eight unfocused ones. You also should get in the habit of counting the “efficiency cost” of each decision you make. from time spent with friends to starting a home-based business. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. In other words. Everything in life has a price tag. Let’s do an efficiency exercise. Not pushing paper or daydreaming. but efficient work.Tools for Success how much more you could produce in your own life with four highly concentrated and efficient hours per day of real work. 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. weigh each one with a view to your goals.
I want you to realize a few things about time and think about ways you can use your time more efficiently. decisions: • • • • How much will this cost in terms of money. For that reason. and effort? What must I give up in order to make this work? How will this choice bring me closer to my long-term goal? Will this decision prove worthwhile in the future? Lifemoney Currency “A particular shot or way of moving the ball can be a player's personal signature. 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 . In order to focus and spend your time more efficiently.Lifemoney toward your goals than others. or even minor. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. Using time efficiently is a huge obstacle for many people who are would be success stories. time. especially future goals.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. To better manage your time and utilize your time more efficiently. Ride your bike to work to relax and get some exercise. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. but efficiency of performance is what wins the game for the team. get in the habit of asking questions like these before making major. consider making changes like these to enjoy life now while working toward a better one for the future: 1.
which can be as little as fifteen to thirty minutes. When our “To Do” lists are too full. Set aside “unwind time” after work or school. 5. Get a Spam filter for your e-mail. kids get sick. and make any needed adjustment. 2. they often remain unfulfilled. minds. When we schedule a block of time. 6. spouses need our help. between important tasks. Things do not always go like clockwork. 4. Monitor how you’re spending your time. we can’t perform task after task without stretching our bodies. cars break down and bosses demand overtime when you least expect it. Many programs offer everything from stock tips to weight loss programs to informational documentaries. you managed your time that week can save you hours the following week by learning from your mistakes. Watch less TV and do something more productive. like getting to work or going to the store.Tools for Success to accomplish in the first place. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. exercise. We are not computers. neither of which fosters success. Eliminate the hassle by making something you have to do anyway. 91 . or poorly. 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. with planning and forethought. most don’t. Setting aside one hour at the end of every week to analyze how well. television can be a valuable tool. When viewed wisely. we tend to perform those tasks more efficiently. or both. 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 overfill your “To Do” list. Unfulfilled lists lead to depression and disappointment.
Entrepreneurs. get dressed. You get up. creative people. Always carry something to capture your ideas. especially when it’s spent in waiting rooms. Mason Cooley once said. open the window and enjoy the air.Lifemoney 7. 8. or a car to drive. you would not have a roof over your head. Think of the day you were sick in bed. Without those paychecks. we gain not just precious moments but momentum. wishing you could be outside. waiting for appointments. etc. and get going to a job so you can take home a paycheck every few weeks. complaining is not action. Appreciate unexpected delays.” Never waste an opportunity to learn. lobby lines. When we learn to use our time – all of our time – wisely. 9.” 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. don’t worry about the rest. Only focus on things you can control. I usually use car time to catch up on calls that I need to make. there would be so much less to worry about. “Worry is not thought. Tool #4: Priorities What are the priorities in your life? For many. the day begins with the priority of going to work and chasing a paycheck. If you’re stuck in traffic. in restaurants. 10. food to eat. 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. Use waiting periods wisely. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. even when it’s spent waiting for things. Bring a book to all your “doctors visits. 92 . Take a break to relax and listen to music.
I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. Second.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. How should you start the process of prioritizing all the important people and events in your life? Start by asking yourself “Do I know how to give 100 percent?” Chances are the answer will be “no. complete all the important things at the beginning of each day. The third suggestion for prioritizing. focus on writing and not the collateral activities that might make writing that letter easier. You can easily become distracted doing this and usually nothing gets done right. There will only be one of two reasons you don’t finish: either you found a better way to do the project or you feel that the task is not going to be worthwhile and thoughtfully bail out. something or someone important is going to get short changed. In other words. You come home to people that mean a lot to you. Then commit to giving your best to your life and to your goals daily. Focus on one step at a time. Do whatever you’re doing all the way. The need for a clean desk before you can begin is less a necessity and more of an obstacle. 93 . don’t spend three hours cleaning your desk so you can get started. Choose a priority and be a finisher. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now.Tools for Success Another priority for many people is their relationship with family members and friends. Don’t do busy work. Finish what you start when you start something. Don’t multi-task and try to accomplish too many things at once. If your goal is to write a letter to someone. and take time to spend with the ones you love.
Together. But why spend hours handling that task when my time can be put to better use? Last. One example from my life is that I pay to have my laundry done. give up the little things that scatter your time and energy. I never answer my phone unless it is a call I’m expecting. Thomas Jefferson. Take on only what you want to do and say no to the rest. create a sense of urgency for important activities that are going to be meaningful in your life. Your time belongs to you. 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. and Albert Einstein. Leonardo da Vinci. Even though I had to share the profits. Sometimes you might want to consider sharing profits or payoffs in order to get needed help. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. That will only take me away from my priorities.” Delegate worthwhile projects that can be handled by someone else. Fifth. Sure. my partners and I had a synergy allowing us to accomplish more in less time. and freed up some of my time to work on other priorities. it was worth it to me. don’t be afraid to say “no. You have exactly the same number of hours per day that were given to Helen Keller. Lifemoney Currency “Don’t say you don’t have enough time. Jackson Brown 94 . Pay less attention to things that come up but have no relevance to your goal. Pasteur. I could do it myself.Lifemoney Fourth.” -H. Mother Teresa. I would often share sales opportunities and business deals so that I would have less work to do. Michelangelo.
When we make an appointment to see the doctor. In the same way. besides his normal two week break. When I was talking to him about his workout plan. we feel obligated to keep that date. they make a commitment to the bank. when someone buys a house. 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. as he calls it) for over ten years. It was something he had to do. Then the real embarrassment came: after going over his working arrangement. it was like brushing his teeth. he told me that he hit the gym five times a week. I have a friend who has been bodybuilding (or body sculpting. we call it a mortgage. or sleeping. My response to him at that time was that I would love to make that commitment but that I was too busy for that type of schedule.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. However. few of us make that type of do or die trying level of commitment to ourselves and our own goals or even to the commitments we make to others that may help them reach their goals. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. For example. eating. would you? 95 . a key part of your lifestyle. His response was that working out was one of his daily events. In the last ten years. You wouldn’t go a whole day without eating. you need to make your goals – things to do – daily activities. I was amazed at his dedication and commitment. consistently. he had not missed a single week of working out.
2 miles. You have no choice really. He went from hanging out and drinking at clubs (I know. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. Daddy's House Social Programs and the public schools of New York City.000 checks will be deducted from wrong bank accounts in the next 60 minutes. 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.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon. Go big or go home.488. He set a goal and did not stop until he reached it.500 defective personal computers will be shipped this year 2. because a 99. I saw him) to a few months later running 26. 22.9% effort will not get you where you want to go.517.260 income tax returns will be processed incorrectly this year 2.200 books will be shipped in the next 12 months with the wrong cover 5. give 100%. 1. Follow through.200 cases of soft drinks produced in the next 12 months will be flatter than a bad tire • Two plane landings daily at O’Hare International Airport in Chicago will be unsafe 96 .9% effort were given.200 gallons of coffee assumed to be caffeinated will turn out to be decaf but consumed nonetheless in just one tax firm during the 1991 tax season • • • 103. Here’s a breakdown of how things might look if only 99.
” He did not believe Jamie could pull off the part. saying Oliver Stone didn’t know what he was talking about.690 will be spent today. next Thursday and every day in the future on defective.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9.900 will be spent in the next 12 months on tapes and CD’s that won’t play 107 incorrect medical procedures will be performed by the end of the day today 315 entries in Webster’s Third New International Dictionary of the English Language (unabridged) will turn out to be misspelled.000 incorrect drug prescriptions will be written in the next 12 months 114. often unsafe. Jamie was already a 97 . Any Given Sunday.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18.500 mismatched pairs of shoes will be shipped this year $761. Jamie could have easily walked away. wanted nothing to do with Jamie. He even went so far as to tell Jamie that he “would not waste one inch of film on him. Oliver Stone.Tools for Success • 3. The director.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880. 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. tomorrow. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20.
they are confident in their abilities and they stay committed until the task is accomplished. Lifemoney Currency Never. never give up. Second. Cooper. I think it is fair to say that although it turned out to be a great part for him. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 .Lifemoney successful comedian/actor. They are humble enough not to think they are too good to put in the extra effort. -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. So that’s how successful people handle getting something that they want. First. remember to get and stay focused on success. He had also starred in several movies by this point. But that’s not how Jamie viewed and approached it. The Jamie Foxx Show. never. he said that he couldn’t make the movie without Jamie. 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. Moesha and Hanging with Mr. Roc. and he had already done many TV shows like In Living Color. at that point in his career he did not need the role. He had his own TV show.
make a commitment to embrace your goals and make them part of your life. Last. Lifemoney Currency ”Success doesn’t come to you.Tools for Success second. Fourth. and resources. minute. or hour passes it is gone. Third.” -My Mother 99 . make efficient use of your time. talents. you go to it. work hard to eliminate the “white noise” of your daily activities and learn to pay attention to the things that are truly meaningful – your priorities.
_____ 4.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. I am willing to delegate some tasks to others. _____ 5. _____ 3. _____ 2. _____ 9. I am “do or die” committed to doing what it takes to reach my goals. Lifemoney Currency ”What you can’t fix. change or impact – You can’t worry about” -Brad Turk 100 . I am taking specific steps to make better use of my time. _____ 10. _____ 6. I have evaluated my schedule and am eliminating the time-wasters. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 7. _____ 8. I am taking steps to avoid or redirect or see beyond these distractions. I have made a list of the major distractions in my life. I am learning to make choices that will lead me toward my dreams. I am determined to include my goals in daily lifestyle activities. I have identified my focus and am ready to pursue it wholeheartedly. I have begun sorting high priorities from non-essentials. and then tally your score.
one giant leap for your life. he took on the role of a complicated. but just starting down the road to success is one small step for you. Gardner believes he has over $600 in the bank. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. only to find out later that the IRS has seized the bulk of the account. as long as you are going forward. and one day you look back and you’ll be surprised at where you might get to. Progress Report When Will Smith played the lead character in The Pursuit of Happyness. to 101 . At one pivotal point in the movie. You add them all up.” -Christopher Gardner Overview Finally. your plans for reaching your goals are in play. You may not feel like you’re making much progress yet.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count. compassionate and ultimately successful man named Christopher Gardner.
While the event seems tragic. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. you need your plan clearly laid out and a means to track how you’re doing. including printing. 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. if not years. When things take time. filled out paperwork for an extension. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future.000 for everything you need to get started. to do everything that you want or need for your dreams to become reality.500 shirts to local retailers. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. and literally withdrawn it from the account. shipping and delivery of the first 2.Lifemoney the tune of $600. Instead. For example. it’s easy to wander and not finish the essential steps that lead to your goal. But don’t worry: patience and paying attention brings progress toward your goal. Busy work doesn’t get it. It will cost about $5. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. The resulting loss sent Chris and his young son onto the street. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. 102 . You’ve decided that you’re going to launch your t-shirt line six months from now. 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. it will most likely take months.
but a big 103 . where you’re going and how you’re doing. Keep it simple. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch.Evaluating Progress Now let’s say you have been saving for a year and have six more months to go as you continue putting the rest of the puzzle-pieces – printing. It’s been a year since you made the decision to launch. Don’t forget the map! The solution to this common problem is either a chart of your own making. I prefer a big calendar. shipping and delivery – into place. We often just assume things are going to work out once we have our plan in place. a daytimer. Was it out of reach? No. electronic calendar or some other external system. This means that you will need to save $960 in the next six months. 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. The simple reality is you need one single visual reminder of what you want. What happened? Most likely – you made a bad assumption. But when you check you notice that there is only $4. Was the goal bad? No. This messes you up because initially you only needed to deposit $110 in the account each month. What might have happened if you didn’t take notice that you took out all that money? You would have failed to achieve your goal. and you recall spending $300 to get a new bicycle. Were you on track? Yes. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. but by all means use something. In this example. you simply failed to keep track of your progress.040 in your money market fund. or about $160 monthly. What happened? Well.
3. so I’ve broken down my own personal system into five easy to monitor factors. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. As always. 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). I’m addicted to simplicity. As you can probably tell. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. 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. Written goals are powerful. They are items that need to be accomplished to get me further toward my goal. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. Your reminder system should have several key components. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. Let’s find out what they are. Here are my basic elements: 1. make this sheet physically easy to see as you go through your day. List a Goal: This is where I simply write out my goal – one goal per sheet. 2.Lifemoney piece of paper would do. It’s important to monitor each goal separately so use a separate sheet/planner for each goal. I make sure I regularly review my objectives. Also. I write these action steps in clear and direct language using 104 .
105 . but below is a model that provides an idea of how yours might look. We’ll start with January. as well as your response to them. Closure on my objective always makes me feel good. the more accurately I can tell if I’ve reached what I originally envisioned. Completion: I always mark the date when I’ve achieved each objective. creating objectives and action steps. How you arrange your grid is up to you. and is a great marker of progress toward my goal. 5. and keeps you in touch with the realities needed to make your goals happen.Evaluating Progress action oriented words. If I do all my action steps. Take it out for review often to make sure you are headed in the right direction. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. Goal Achievement Exercise M Take out your Workbook. I reach my objectives. I am going to use an example of setting a goal of becoming a better golfer in a year. Charting your journey in writing helps to make the whole process seem more real. If I reach my objectives. Create a grid that lists basic steps for reaching your goals. I have found that the more specifically this is worded. a popular time of year for making new resolutions or resetting ongoing goals. You can find lists of action verbs by doing a quick Google search for lists of action verbs. Now it’s your turn. I will reach my goal. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. 4.
I will make the time to sign up for lessons and commit an hour a week to practice. Learn terms. Outcome I will enjoy my golf game more and feel a sense of accomplishment. 106 . Call for subscription to Golf Digest. Action Step I will take 2 hours during the first week of this month to write out my plan. Enjoy the thrill of getting better. Some weeks. by the way. and equipment of golf. When you go back and check your grid periodically. For instance. I will surf Internet for local golf pros. 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. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. I will get expert help and assessment. keeping a grid like this one will show at a glance what you are doing. Even if you don’t fill every moment with related tasks. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. Check yellow pages for indoor putting green.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 work toward your goal. will be spent revisiting an earlier action step. Read one golf magazine article per week to learn more. pros. Year-round practice will improve my skills. you can quickly and objectively measure your devotion and success in chasing your dream. and how often.
107 . If you get the same input from different sources. If. “Please tell me the three things you liked least about what I did. or instead of. chances are it is correct. Find something that works. for example. Make it easier for them to evaluate you by asking the right questions. you could switch to a physical activity approach in conjunction with. “You did nothing wrong. To find out if you’re off track I suggest you find out what you did wrong. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be.Evaluating Progress If you decide to change your goal for whatever reason. 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. Fortunately and unfortunately. it also forces them to be specific.” This makes them think. Evaluate the input.” To get better information ask. the diet routine. remember to adjust the steps to getting there. even if that means rotating new activities through the process until you find one that works best for you. you are now going to get a few things that they were not that excited about. This is good. and you found little change in the numbers after a few months. 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. I liked it all.
however. Keep in mind that not all opinions you get will be accurate. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2. It also lets us know how others see us. which is totally worthless. I’ve been wrong on many occasions. Don’t be afraid to be off track—or even outright wrong. In 3rd grade he was sent to a school for mentally challenged children. don’t reject impressions just because they are negative.4 billion was thrown out of 2nd grade. When someone tells you point-blank that you’re going about something all wrong. practice what I call the 4-BE System: • • • • BE objective BE open-minded BE sure to listen and see if it is accurate BE honest with yourself. He was told that his best hopes for a career would be as a carpet layer. people will stop telling you what they really think and say only what you want to hear. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. Before you open yourself up to criticism.Lifemoney Welcome criticism Some of the comments you receive might include criticism. Analyze the critiques and use them as you see fit. You don’t have to take every piece of advice that’s offered. Criticism is good – it lets us see a different side of ourselves. just listen carefully and ask how you can do it better. You’re allowed to discard opinions if you have a strong impulse that they are wrong. If you argue or make excuses. 108 .
Get enough information to provide a clear picture of where you are currently. Before being home-schooled he was kicked out of three schools. and creative theory of relativity that has shaped modern physics. taking a personal finance class. the phonograph. or an investment agent to discuss planning strategies that can make this possible.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. and film. and how to get there in the most efficient way. Registering for a financial planning seminar. founder of Woolworth’s and modern department stores. His bosses thought he lacked the common sense. or we wouldn't have his incredible. Good thing he didn't. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. he never gave up. far-reaching.Evaluating Progress • Thomas Edison was told he was not teachable. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. including the light bulb. With his creative mind he patented over ten thousand inventions.W. if your goal is to retire at age 45 meet with a financial planner. His last headmaster said he'd never make it. • • Walt Disney was once fired for a lack of "good ideas. where you want to be. You might even want to get several opinions and weigh several options before making a final decision. that he was a screw-up. Yet. or attending a money management workshop are additional ways of becoming more knowledgeable. • Albert Einstein struggled in high school math. These also help to make sure you have a realistic goal set and that your 109 . His name was F. For example. your banker. Woolworth.
and your progress to see if adjustments are needed for a better chance at a successful outcome. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. As you try to achieve your goals. or meeting someone and falling in love. Some people even use something as simple as notes. this is the time to reevaluate your goal. as long as you continue to make steady progress. a death in the family. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. you may get off 110 .Lifemoney plan for reaching your goal will allow you enough time to meet the goal. Above all remember. keep track of your progress. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. Your best skill is your ability to write things down and track yourself. Notes to yourself. a great new job offer that comes unexpectedly.K…. If not. Either is fine. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day. daily steps that carry us the furthest distance. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. your plan. the loss of a job. you still have time to adjust your plan to maximize your chances for success. 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. Watch your goal progress closely Check your daily activities.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. O.
Evaluating Progress track too. And don’t forget that sometimes you get off track due to internal factors rather than external ones. 111 . the faster you can get on your way. The faster you uncover the weakness within you and address it. List the five most common criticisms you hear about yourself. and then outline action steps you can take to address these. Here are some examples to get you started. “You always complain and never offer solutions. You stop exercising or you start watching a new television series that leads to another new show to another and to another. take this information and use it to your advantage. Then move on to do the same with larger tasks.” “You’re stubborn and won’t do as you’re asked.” “You’re attitude is bad.” “You’re always late. properly aligned and refocused. There are some very good action steps you can take to get yourself going again. Don’t beat yourself up for being normal. Goal Achievement Exercise N Take out your Workbook. We’re going to address some of the internal areas that may get you off track to achieving your goals.” “I have to constantly watch you because you waste so much time. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time. • • • • • • • “You have trouble following through to get things done.” Rather than being upset or offended.” “You work slowly.
Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. • • Finish the task at hand and ask for something to do next. 2. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. Fortunately. come up with a clever solution to some problem the boss is having. more specific steps you 112 . Write down the smaller. Be honest in soliciting opinions from others and acknowledging your weak areas. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. Better yet. there are many things you can do to address problem areas and turn them around to make negatives into positives. you will lose track and wander in pursuit of your goals. more doable chunks that you make note of it in your planner. gut-level honesty. Especially honesty with yourself about your own weak spots.Lifemoney • • • • Make it a point of pride to be at work 15 minutes early Go overboard to do exactly as you’re asked without backtalk Work on being an encourager to others Step up your pace at work. Then be proactive in making changes to benefit yourself and others. If you don’t make notes of how you’ve broken down your duties. daily pieces that when completed will gradually accumulate and lead to success. I strongly suggest that if you break your tasks down into smaller. Keep these keys in mind: 1. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. Being honest with yourself is a powerful tool. break the goals up into smaller.
c. Have a weekly date with your spouse or child to improve family relations. Save at least $10 per day for an average of $300 per month or $3600 per year. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. Read a self-help book related to your goal. e. Seek it out and you’ll find more encouragement than you’ll be able to handle. Here are examples of small activities that can be conducted daily. Stop and reflect on your life more often: When you stop and reflect on your life every month or two.Evaluating Progress intend to take. j. Work on replacing a bad habit with a good one each month. Learn something new related to your goal every month. as well as find inspiration to help you continue to achieve your goals. Review your written goals more regularly (hourly. d. i.) g. etc. 4. b. f. 3. (I speak much more about this in Lifemoney Lesson #6. Check out at least one set of blueprints for your dream home each month. Whatever you do. take personal responsibility for the difficulties encountered in your quest. Contact at least one new potential employer each week. Meet with your mentor every other week for feedback. and be willing to make the necessary changes that will help to ensure success. Seek out successful people for advice: Free advice is all around you. 113 . you will be amazed to see how much you’ve actually accomplished. weekly. daily. Make one sales call daily at least five days per week. h. Resourcefulness).
and then give it all you’ve got! Lifemoney Currency “Dreams are real.Lifemoney Lifemoney Currency “The price of greatness is responsibility. realistically – and often. To tell the complete story. If anything has changed since you began the quest. but that’s fine as long as you don’t abandon the journey. If you feel that you are unable to follow the timeline or stay with the quest. Every success story is written with dozens of action plans that were brought to fruition through focus and commitment. Come back to your journey when your batteries are recharged. Do this assessment frequently. After taking action steps toward your objectives and ultimately the goal. take a short break to renew your mind. evaluate your progress thoroughly.” 114 -Brad Turk . Make a visual reminder – like the grid I use . living.to determine what you are able to complete on time. You may have to revise your daily or weekly goals from time to time.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. plan to re-assess your progress. as well as anything that remains unfinished. factor it into the equation. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you.
_____ 2. In gathering feedback I will ask good questions. _____ 8. _____ 10. I have the names of several people I trust to give me good personal feedback. I will be quick to admit my weaknesses _____ 7. I will create a grid for recording action steps that lead to my objectives. I am going to regularly check my progress toward reaching my goals. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I will invite and accept criticism that is given with a view to helping me.” -Brad Turk 115 . I will check the grid periodically and make any needed changes. _____ 5. _____ 4. _____ 9. along with my progress at regular intervals. I will reevaluate my goal. I will solicit feedback from experts. _____ 3. Lifemoney Currency “Be consistently consistent. _____ 6. and then tally your score. I will make efforts to change or eliminate bad habits.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with.
This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. and we can endure much more than we think we can. When things don’t go as planned. It’s how you handle the resistance that leads you to success. you need to look for other routes or means of help. had to create his own destiny.Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe. Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). whose net worth is estimated to be $320 million.” Overview Everyone struggles to meet their goals. everyone encounters resistance along the way. 116 . Sean. knows firsthand what it means to be resourceful. who was brought up in the Marcy projects in Brooklyn. We are stronger and more resourceful than we know.
around it or. which includes Roc-A-Fella Films and Rocawear . under it.a very successful clothing line. you might be filled with 117 . Other ventures of his are Armadale vodka. which eventually shaped his destiny. he needed to be a businessman as well. including Kanye West. In addition to becoming the President of Def Jam Recordings. but the careers of many other superstars.” but over it. How resourceful are you? Could you overcome adversity by thinking not just “outside the box. the 40/40 Club in New York City. I was forced to be like a businessman because when I was trying to get a record deal…it was either give up or create my own company. in some cases. Carter line of Reebok sneakers. Being a talent was not good enough to attain his success. When faced with resistance he responded by finding solutions to his problems. Sean was unable to get a record deal. with 18 Grammy nominations and 5 Grammy wins. He has a willingness to find any way to achieve his goals. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. which launched not only his career. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. he also expanded the Roc-A-Fella empire. “I was forced to be an artist and a CEO from the beginning.Resourcefulness When he first started out. No one seemed to be interested in his music or recognizing his understanding of the music business. part ownership of the NBA New Jersey Nets and the S.” And that’s what he did! He co-founded Roc-A-Fella Records. Jay-Z became one of the most respected rappers in the music industry. right smack through it? As you begin your journey to reaching your goals.
you can find resources that will make all the difference in your search. 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. With a little bit of effort and some common sense. You may be thinking. or mediocrity and brilliance. “I’ve never felt better! I have a sense of purpose. then slap yourself in the face." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts.Lifemoney confidence. What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. Either way. do surgery with a pocket knife and 118 . the more likely you are to run into something unpredictable. Successful people never hesitate to look for resources that can mean the difference between success and failure. 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. The resources you’ll need to tap into can come from inside yourself or from around you. turn on the light. Lifemoney Currency "I've found from past experiences that the tighter your plan. run some cold water over your hands. You’re going to need to be resourceful no matter how much you have going for you. and I know exactly what I have to do to reach my goals.
Take stock of the situation to see what you can do. Did you ever consult someone about a problem you were having. you must be the same way. The trick is to keep your mind focused on what you want. Though you may not end up being MacGyver. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. Take the time to take stock of the situation and think on your own. expensive. Relax and think: don’t let the complexity of a problem paralyze you. 119 . 2. He was the picture of resourcefulness. I want to make four suggestions for being more resourceful. and when it comes to succeeding in your life. You’ll have to learn to let your mind go in this fashion. but the natural resourcefulness of your mind will reward you with many great and doable ideas. Take time to jot down problems for which you’re seeking solutions. Be an open-minded. He was never played out. You can always do something. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. wild and fun solutions. and realize that often the reason you’re stuck is because you’re not thinking big enough. big thinker. only to be told something you already knew? Often. These are four ways of thinking that have made me a better businessman and human being.Resourcefulness make a computer out of duct tape. resourceful problem solvers are some of the most open-minded thinkers I know. 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. and then brainstorm big. even if you’re unsure of the outcome. he could always find a fix to any obstacle he faced using just what he had around him. Clever.
and in a moment of wide-open. Don’t look at life with the jaded self-knowledge of an adult. Become four years old again. big thinking I created a great solution. As an entrepreneur or creative thinker or just someone who develops their Lifemoney skills you’ll find that you have so many new ideas that you don’t have time to act on them. however works best for you – and then review them every once in a while to see if there is one you can implement. who was middleaged and looked more of the part I needed to play. but walk with eyes – and ears – wide open. Be a pest. It was a big thinking. 3. This was a problem. over a microphone to your computer. 120 . I was able to pitch my products and services to an open ear. Make sure you capture those ideas somehow – in paper. George and I appeared to meet expectations for maturity and sophistication. 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. I was trying to launch my business and wanted professionals and industry experts to take me seriously. When attending a high-power meeting I’d take along a good friend. I look a lot younger than my real age. As you can see on the cover of this book. I looked nineteen. And when you come up with all those big thinking ideas – capture them. That’s how you learn. Once the perception piece of the introductions was achieved. I have a baby face.Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. out-of-the-box resource idea and it worked. At twenty-five. As a team. Don’t be afraid to ask questions from people who know. ask over and over again.
Book is your favorite word. I've forgotten how to laugh at blunders… 121 . You find laughter in mistakes. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. And in my experience. Look for solutions in the most unlikely spots. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. you see colors. You see steps. I see danger. I struggle to learn. 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. You want to climb the attic stairs.htm.ca/athomas125/hanna. With wild abandon you tackle new words. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. new skills. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. You want to paint. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. You are only two. you can’t know everything. You want to know everything. Questions are your favorite tools. hoping to master the computer in one easy lesson or not at all. You love to learn. My dear granddaughter Hannah. 4. I see mess.shaw. Here’s a thoughtful letter written to a child from her grandfather. I see problems.Resourcefulness You don’t know everything.
help me to grow up and become just like Hannah. Keep Looking . After talking to one resource person or another. When you’re listening to an answer. Look around for success “MacGyvers” hiding in plain sight all around you. 122 .You’ll Find It Finding the right information can be like looking for hidden treasure without a map. I love you for who you are! Grandpa Dan Dear Lord. and relatives who may have an idea or solution to your problem. Ask questions that seek out detail rather than just yes and no. you might be given all sorts of misleading ideas.Lifemoney You are courageous. But that comes with the territory. asking questions about their perspectives and ideas. Just keep going until you find the information you really want. tomorrow you will tackle cauliflower with the same exuberance. And learn to ask better questions and be a better listener. or information you can’t really use. Talk to people from teens to retirees. I stick with the familiar favorites. if it's not too late. These could be friends. You walk right up to a stranger and smile. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. At lunch you boldly bite into broccoli. neighbors. and though you dislike it. Sometimes you may not know where to begin the quest. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. 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.
often at the press of a button. But you can go anywhere you want and talk to whoever you like. Instead of sitting in front of the television or playing video games. Even as there are more and more of us. 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. technology is bringing us closer together. you can just read while you’re there. buy a cup of coffee. All you need to do is pick a search engine (I use Google. If not. try different variations of the same words until you find what you are looking for. spread far and wide. If you don’t find an exact match. Here are four incredible resources.Resourcefulness You probably won’t find everything you need in your back yard. There’s no better or quicker way to 123 . Look at the jackets and back covers for ideas about whether a book will be helpful. In a larger bookstore chain. because it is the most widely used and brings up the most comprehensive information) and type in the name or topic you want to research. Whatever your needs or interests. spend your time searching for buried answers. find a seat at the café. 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 can even use full sentences to pinpoint the closest data to your topic search. That’s the beauty of the modern world. and read a recent biography of someone you admire or a book on a topic related to your goal. You don’t even have to buy the books. you should be able to find worthwhile reading. ask a store associate to order materials for you. Don’t be afraid to use all of the resources available to you to gather more resources.
124 .Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. movie producers and music moguls at your disposal. If your library doesn’t carry a book you want see if they can get it for you from another library. San Diego. Toronto. 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. magazines. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. You can also get audio books.com) where they constantly have well known speakers. Many companies offer free webinars with noted experts in a particular field as a way to sell their products. San Francisco. You don’t have to buy the product. but you may learn a few things from the expert while you participate in the webinar. borrow books for free at the library. In New York. 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. Most libraries offer this type of service for free. Check your local area for something similar. language CD’s or DVD’s (if your goal involves traveling abroad). and videos. Minneapolis. and Los Angeles you have the Learning Annex (learningannex.
One life changing piece of advice can make you thousands if not millions. waiting for the chance to drive you toward solving your challenges and meeting your goals. find out all you can about life in New York and the companies or groups associated with this new job in New York. you will be able to learn from the experts in that field. Ask the people around you what they know about New York. For example if you’ve challenged yourself to get a great job in New York City. Be 125 . That thrill of learning still exists inside you today. They will teach you how to become financially secure and independent.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. or showing off your playground skills to other kids. Read books and look for television programs. It is idling in you right now.” -The Learning Annex Promise There’s No Need To Grow Up Remember that excited feeling you had as a kid when you started school? Remember that wonderful anticipation of what you were about to learn or do? You were probably thrilled at the thought of becoming smarter and impressing Mom and Dad with good grades. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid.
Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. Consider joining 126 . Over time our interests drift and friendships change because your interests no longer match. find a writer’s group or a reader’s club. • Join a special interest group. and provide you all kinds of problem solving resources. Learning new things is virtually guaranteed. specialized courses that often cost under $100 and run over a day or several weekly classes. If you’re planning to write a novel. Often we outgrow our friends. then ask lots of questions. Rather than ditch your old friends. Those friendships can form quickly and be lasting. • Online Special Interest Groups. Listen first. Most colleges – especially community colleges offer informal. work on building friendships with new. If they don’t have one you want. the internet provides an opportunity to meet many like minded people. Check with a local community college or university branch campus for information about these classes. like minded people that share your intensity in life. No matter what your interest. You can meet experts in your field of interest and learn things about your pursuit you never knew existed. • Take a non-credit class. To run for civic office in a few years. volunteer at a local official’s office and see how it works. suggest that it be taught in the future.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it.
Online chat room--.Resourcefulness an online community. Join an online chat room 3. Visit a local learning annex Once you have these three written down. such as: 1. Consult a community resource center 2. such as: 1. Community resource center – attend evening sessions from 8 to 9 Monday.” -Bill Gates Goal Achievement Exercise O Take out your Workbook. assign timelines in which you will visit these places. reading blogs about topics that interest you. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s. Wednesday and Friday. 2. or subscribing to a mailing list of like minded folks.this week I will seek out one interest group related to my goal 127 . List three places where you can go to find some information that will further your ability to be resourceful.
convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. you might as well think big. Combs applied to Howard University in Washington. According to Answers. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings. and while attending. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. Lifemoney Currency “If you are going to be thinking anyway. Uptown Records. Before he became known as Diddy. learning the industry from the ground up. If you’re planning to write a best selling novel.com. This is someone who will work with you to set goals and help you make plans for reaching them. look for experts in your field. and found resources anywhere – and everywhere – he could. learner and observer. “Already a shrewd businessman through his two paper routes.” There he swept floors and kept his ear to the ground. But Combs was an avid listener. Sean “Puffy” Combs worked in thankless jobs like the rest of us. those who have already accomplished what you want to do. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad. contact authors whose writing style you like and ask them for tips on 128 . Like Diddy..Lifemoney 3.C. D.
You could contact publishers. And. Don’t fight the system if you don’t have to. if applicable. Look for people who can provide guidance. There are actually some fields like the music industry where the only path to a real job is to intern. before you speak to them. When learning from the experts. You also may want to consult the local Small Business Administration or a retired executive. libraries and the Internet are valuable. Look up biographies. Try other people or be persistent with the ones you really think are important for you to meet or talk with.Resourcefulness getting published. and look for readers that can tell you what they look for in this type of book. Don’t rely on your own expertise. Or look up a local leader that you might be able to interview or job shadow. Make sure that you research these people and their companies. take a job as an intern like Diddy. and find out what keeps them going strong as well as the things that hold them back. Learn it first then conquer it. Always be prepared and don’t waste anyone’s time. videos. If you’re a student. get some books about famous people who have already made it in the area where you want to go. If speaking directly with an expert isn’t likely. too. interviews. too. Books. Avoid their mistakes. find out what not to do. don’t be surprised if some don’t return your calls. and other information that might hold clues to the reasons for a person’s success. “What is one thing you would do differently?” Study those who are where you want to be. but people are the ultimate resource. Go straight to those who know the ropes and can share a bit of wisdom. Ask questions like. 129 . and who won’t turn their backs when you need help.
Never forget to take advantage of your network of connections. 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. think of key resource people you already know from your past and your present. Using the people skills that you will learn in Lifemoney Lesson #8. While making your list. intrigue these people to help you in whatever way possible. 130 .Lifemoney Lifemoney Currency “If I have seen farther than others. No matter what sorts of challenges you face right now. You’d be amazed how many talented people you already know that could help you along your journey.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. it is because I was standing on the shoulders of giants.
always tomorrow after you have done your best to achieve success today. Try to count how many names are listed at the end of the film. Don’t limit your dreams by limiting your scope. every one of those people was a resource in creating his latest masterpiece. that can put you closer to reaching your ultimate goals. Very few people succeed entirely on their own. to get the information. in this case. but stick around for the credits after his next movie. the most resourceful individual will taste defeat. reach out as often. It’s important to utilize every opportunity. services and know-how you need to create Lifemoney. might be the director. Some days.Resourcefulness Lifemoney Currency “Remember you will not always win.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. and as far as necessary. Stephen Spielberg. But there is. 131 . small and large.
I will keep my eyes open for a mentor. I plan to read an autobiography of a famous leader who inspires me.” 132 . and observations. but who you know.Brad Turk . I will read new material that relates to the pursuit of my goals. _____ 4. _____ 10. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. I say. Lifemoney Currency “Some people say it’s not what you know. Learning is the beginning of health. find the people you need to know and introduce yourself. I believe learning is the beginning of wealth. I plan to visit a library. Searching and learning is where the miracle process all begins. _____ 6. _____ 5. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 7. school or online special interest group. I will network with people I know to find expertise beyond my circle. _____ 2. I will enthusiastically seek information like a kid.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. and then tally your score. _____ 1. Learning is the beginning of spirituality. I will take a class or seminar related to one or more of my goals.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with. _____ 8. _____ 3. ideas. _____ 9.
A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. Trump had no 133 . These include visualization. They are your real wealth. asking big and avoiding the herd mentality. He bought the property in 1977 when that part of New York City was in terrible shape. your Lifemoney. looking at things from a different perspective. objectifying your goal. directly across the street from Grand Central Station. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. 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.Creativity Lifemoney Lesson # 7: Creativity “Rules? Hell there are no rules! We’re trying to create something here!” -Thomas Edison Overview I have built this book around the idea that your personal qualities are like money to you.
Lifemoney other major properties at the time and was told that this was not only “out of his league” but would prove to be “a terrible investment.” Even though he was only 26, Trump’s imagination was endless and he saw something nobody else saw in that property. He was sure the city would eventually revitalize the area and that building would be a goldmine. But Trump did not have the wherewithal to do this deal on his own. For most people, the dream would have died there: no money, no deal. Not for Trump. Donald could clearly imagine a major hotelier working with him on the property, and convinced Hyatt to manage the property. It became the Grand Hyatt, with Trump and Hyatt owning the hotel on a 50/50 basis. But that wasn’t even the best part of the deal. In addition, Trump got Hyatt to agree that it would never manage another hotel in New York City. Trump was so immersed in his creative ideas for real estate that he would ask for outrageous things without thinking anything of it. These weren’t outrageous requests to him, just obvious ones. This boldness was born of creativity. It was a mindset that drove him to propose many more innovative projects. It is this type of can-do, creative thinking that, if adopted, will give you an edge in reaching your goals faster. As Trump shows us, imagination, creativity, brainstorming and audacity are some of the mental currencies of success.
“Man’s mind stretched to a new idea never goes back to its original dimensions.”
Goal Achievement Exercise Q
Get out your Workbook. Pick two goals that you have listed in Exercise F, and come up with a different and creative way that you can bring yourself closer to that goal. Do not use any ideas that you have had in the past or seem conventional. Really stretch your mind and look at achieving the goal in a new way. Read over your ideas, ignore the thoughts that these are impossible. Can you use your resources differently to make one of these impossible steps a reality?
“Don’t play what’s there; play what’s not there.” -Miles Davis
Dream It, See It, Do It!
Let’s use a creative approach that many successful people have used to expand their thinking. This may seem strange if you’ve never done it, but it’s called visualization. It involves creating pictures and movies in your head of things you want. For example, picture a snapshot of yourself on a cruiser yacht in the Caribbean, or taking part in a board meeting of a prestigious company – maybe even your own company. See that smile on your face? You’ve made it—you are living the dream in your mind. In this way the practice of visual creativity helps you own the feeling of success and generates more energy within you. 135
Lifemoney Walt Disney was famous for saying “If you can dream it, you can do it.” Nobody knows that better than Arnold Schwarzenegger, famous bodybuilder, actor and politician. Arnold always understood the power of dreaming and reaching for what you want. He grew up in Austria and he dreamed of leaving his homeland to pursue the goal of becoming a world-class bodybuilder. Years later after he reached that goal, Arnold visualized becoming an American film actor. Dreaming big once again it didn’t take long for him to meet that goal, too. His next dream was to hold public office in a country where he had not been born. Arnold continued building on his natural skills by visualizing many things. Today, Arnold Schwarzenegger is Governor of the State of California. He dreamed big, developed needed skills, watched for opportunities and followed his heart to become everything he wanted. In fact I saw him interviewed on television recently and he was sharing the fact that he’s not yet done dreaming. He has more, and when the governor’s gig is up he’ll be moving on. If you want to see a ‘dream it and do it” guy, watch Arnold. In your mind’s eye, walk through a typical day exactly as you want it to be. Who do you talk to? What do you do? Enjoy the mental image of your success by capturing each detail as a memory to motivate you when the going gets tough. Be patient and build that mental motion picture carefully. Rather than becoming overwhelmed by going from 0 to 60, use your creativity to visualize your daily activities, the house you plan to live in, where you go to work, what your days consist of, how it feels to go home; when you spend time with a spouse, kids, boyfriend/girlfriend, or family; where you go on vacation, what car you drive… Does
Creativity creating success in your mind make you excited, impatient, and eager to get started? This is the power of creativity to motivate you and form your life.
“If you can dream it, you can do it.” -Walt Disney
Goal Achievement Exercise R
Take out your Workbook. Rewrite two of your goals from Exercise F and actually see yourself achieving them. Make your visualizations into a mental movie where you’re seeing what you’ll see, feeling what you’ll feel and hearing what you’ll hear. You might have to get yourself into a quiet place to get all these senses activated, but do your best. When you’ve spent several minutes experiencing the visualization “movie” of your success, write a sentence or two in your Workbook about how the experience expanded and changed your thinking.
Five Creativity Factors
Let’s take all that we’ve been discussing over the last several pages and summarize it into some basic principles. When you are creative you: 1. Use Visualization to see your goal and watch yourself accomplishing it. 2. Objectify your goal to build a pathway to success. 3. Learn to look at things from a new perspective. 4. Ask big.
imagine yourself doing it. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. Now. Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. step by step. For example. Visualization is when you mentally create an image of yourself accomplishing the desired objective. See yourself inspecting the houses. Notice even small things like the shoes on your feet and the color of your clothes. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. This isn’t fantasy or play-acting. If you want to operate your own business instead of working for someone else. this proven 138 . if you want to get into real estate. so keep your thoughts positive and stay focused. copier. or when it becomes increasingly difficult to see yourself in the winner’s circle. Picture your home office with all the things you would use in a public office—computer. it’s time to shift gears and visualize it.Lifemoney 5. Your body will do what your brain focuses on. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. fax. You’ll work out the bugs of a process that will move you closer to your goal. What’s it worth to you? When you’re ready to give up on your dream. noticing colors of paint and the condition of the neighborhood. 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. and telephone. it becomes more tangible. Avoid the herd mentality.
your accomplishments and your dreams? Some 139 . Why? Because you will create whatever you’re visualizing. To date. Take responsibility to hold those images in your mind. but our brains respond better to the real thing. There is no substitute for keeping the proper image in your mind at all times.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500. Lifemoney Currency “Visualization is daydreaming with a purpose. an action you take. good or bad. 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. All success starts in your mind. and I still have the toy versions to help me remember to make my dreams real.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. Sometimes having that physical object can help make an abstract idea seem more real. Do what you can to make a real “object” out of your goal. I have had both of these cars. Acquiring anything starts with imagining it constantly. whether at home or at the office. Those that fail to reach their dreams are often letting their positive visualizations vanish. That is a conscious choice. Look at your workspace. Do you keep a special object to remind you of your roots. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory.
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. start collecting those things and placing them around you. It also keeps her motivated and helps as a reminder of how precious life is. seemingly insignificant object that reminds you of something very important.Lifemoney people have desks covered with trophies and some have desks covered with bills. The key belonged to her late brother’s motorcycle. Chances are you have a framed photo. it should be something that reminds you of and keeps you motivated to achieve your dreams. present or future. and how important it is to enjoy every minute. and she keeps it near her heart as a reminder of how much she misses him. The object for your personal goal might be something that brings to mind your dream. Real objects have power. If you don’t. an award or commemorative gift. Whatever you choose. They go to the closet and look at the outfit that they hope to wear a few months from now to remind them of their goal. Dieters sometimes buy clothing in the size they want to be rather than what they are now. whether past. This is especially important in creating objects that represent your personal goals. the one he died on. Queen Latifah wears a key on a chain. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. or another small. 140 .
crunched some numbers and while we were sitting down for coffee afterwards. “We’re out of here. It looked like a hurricane had come through and no one bothered to clean up after. He asked more questions.” But David wasn’t quite ready to leave. I looked at my friend as if to say. Well. it seemed I got the truth out of him.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995. After bothering the agent. And then. the actual apartment was terrible. he explained to me that this was a great deal. I remember him helping me out once when I was looking for a small rental property. What I saw as a negative. just before Thanksgiving 1995. From his perspective it was good that the place 141 .” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. I put that check in the casket with my father because it was our dream together. manages some and sells the others. my friend saw as a positive. I found out I was going to make ten million dollars for Dumb & Dumber. Although I loved the building and the area. I thought I knew something about real estate and I asked the agent how long the place had been on the market. When we went into the place I was very disappointed. He buys a lot of properties. that was it for me. His success is attributed to seeing what’s not there and being open minded about what can happen. and he informed me they had been trying to sell it for over a year. I put it in my wallet and it deteriorated.
She envied my work schedule and the fact that I could arrange my days as I saw fit. Creativity Factor #4: Ask big There is huge power in learning to ask big.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. You can do this in your own life.000 and after spending $25. does medical billing and is the office manager for a doctor’s office. My girlfriend.000. Although Liz was happy with the money she made and her success in what she did. she really wanted a more flexible schedule. She is good at her job and has been with the same company for over 10 years. Anybody can see what’s obvious but only a few can see potential. By shifting perspective.000 co-op for $175. You know why? Asking for big and bold things always generates creative new ideas and usually uncovers a solution to your problem that you might not have thought of. So try! It is a valuable lifemoney skill that can translate into big cash money. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. Liz. David helped me to see the real value of that deal. 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. it appeared that I would be buying a $200.000.Lifemoney was a wreck and was on the market for so long. 142 . After David did the math with me. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. How? We were able to get the price from $165. Most people who walked in there did not see the value of the place and could not picture what the place could look like.000 down to $150.
Creativity When I encouraged her to suggest something new to her boss, like a more flexible schedule, she was positive he wouldn’t go for it. But rather than just forgetting about the idea, we sat down and actually listed some very big possibilities she could take to her boss. Specifically we asked ourselves “What might her boss go for?” We made ourselves think outside the box. This thought process alone allowed us to quickly figure out a few adjustments she could make to maintain job duties and still free up some time in her weekly schedule. Then one day at work Liz asked her boss something big. “I’ve figured out a way to work even more efficiently,” she began. “Oh, yeah?” her boss asked. “What’s that, Liz?” “If I work a day a week at home where it’s quiet, I can get more billing work done without the distraction of answering phones or coworkers’ questions. I’m sure I can work faster, which will save the company time and money. Can I do it?” Now do you think that was easy for Liz to ask her boss? No way. But she boldly asked a new and surprising question. And guess what? Liz’s boss agreed to give it a try, and now she has more flexibility in her schedule. She has a day each week for personal errands and her son and on that day she works the hours that she sees fit. Even when it seems like the odds are against you, asking bigger and bolder questions can be a huge source of inspiration and possibility for you. When I worked at MCI, through hard work and utilizing the Lifemoney lessons in this book, I became the number one salesman in the country. My problem was that I knew I preferred working from home without a boss breathing down my neck. But my boss really wanted me to work out of the office in the more standard corporate way. Rather than just giving in to this expectation, I asked myself a bigger, better and bolder question: what would the boss
Lifemoney go for? I decided that I would go to him and candidly explain my vision, how I worked best and how we could make this work for both of us. I set up an appointment with my boss and I explained how much more productive I was from home and that I had two more hours in my work day by eliminating the commute it took to get back and forth to the office. All I had to do was point to my sales results, and my “work from home” sales pitch spoke for itself. I showed that I was able to do my job the way that made sense to me and worked with my personal schedule. I wound up only going into the office a few times a month. I took a standard practice of almost all corporations of working the typical 9-5 office job and turned it into something that worked for me. An enormously big opportunity for me began by asking a big question: “What’s possible here?” Asking big is not only a creative way to think, but when you take the short step of sharing your creativity publicly; profound things will start to materialize. Get in the habit of asking big. Even if it doesn’t work, you’ll be a step closer to finding the solution that will work.
Creativity Factor #5: Avoid The Herd Mentality
There is an old saying that “if everyone is doing it, it’s probably wrong.” We are herd animals, and often where the herd is going is not original or creative in any way. Successful people are more often those who are willing to dream about going another way. It is always best to have some foresight and try to do what has not or is not being done. That’s not too say that you can’t make millions or find happiness doing things that have been successfully done in the past, but the pioneers will usually capitalize the most.
Creativity In addition, you also have to be careful not to jump into a fad or in something that has already reached its peak. The perfect example would be all of the late comers who tried to break into the real estate market – well after the bubble was set to burst. Read what Robert Kiyosaki, author of Rich Dad Poor Dad says about the stampede that took off after the real estate boom. “In 2003, every fool was getting into real estate. The checkout girl at my local supermarket handed me her newly printed real estate agent business card. The housing market became the hot topic of discussion at parties. ‘Flipping’ became the buzz word at PTA meetings. Homes became ATM machines as credit-card debtors took long-term loans to pay off short term debt.” And now the papers are filled with stories of people who followed the herd and ran off a financial cliff. Once everyone is doing what you are looking to do, it often makes your goal that much harder to attain. Again, this does not mean that it can’t be done. It just means you will have to work that much harder and smarter to get your results. You don’t always have to do things the traditional (Herd) way to get it done. If you want $5,000 to buy a speedboat, do you have to start with a basic savings account? Are there other ways you could raise that money? You could: • • • • Sell used items you no longer use -furniture/tools on Ebay. Downsize to a smaller house or less expensive car. Create shares of the boat and bring in partners Get a second, part-time job.
Lifemoney While all, some, or none of these options may work for you, the point is to try to go in the opposite direction of the herd when the herd has been going in the same direction for a while. Back to my main man Donald Trump: many people thought he was born into his millions, or that he came by his wealth easily. The opposite is true. Donald’s father, Fred Trump, had to help support his family and started a construction business in Brooklyn, New York. Donald spent a few years working out of the same office as his dad. When he eventually decided to get involved in real estate, he did so with a limited budget. Though he had very little money, the first thing he did was to become a member of an exclusive New York club. He used his membership as a way to make contacts. That’s pretty unusual and not what a herd thinker would do. Who ever thought of starting a business by joining a club? Most of us would wait until the company was established – probably even well established - before developing business relationships. Trump took an unusual route to success, and it paid off.
“You see things; and you say, ‘Why?’ But I dream things that never were; and I say, ‘Why not?’ ” -George Bernard Shaw
and invest the energy in some creative thinking about going after the things you want. Engage your creativity now by taking stock of your situation.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. and then figure your score.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. _____ 4. Is there some way to save time or money at your job? Can you trim the household budget? How about trying out a new skill? Most people have a lot of potential that goes untapped. but seeing what’s not there. Don’t let yours go to waste. Lifemoney Currency “A problem is a chance for you to do your best thinking. I can visualize my success through a variety of mental pictures. Remember that one of the most important aspects of creativity isn’t seeing what’s there. Take the time to evaluate your situation and try a creative approach. _____ 2. 147 . Make the time. I have objects around me that symbolize the success I seek. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. _____ 3. I seek out new perspectives to old problems.
hasn’t been done or looks like it can’t be done. I will use creativity to help me attain my goals. I keep asking bigger questions to spur my creativity. _____ 9. I avoid the herd mentality at all costs.” -Brad Turk 148 . great possibilities are created. Lifemoney Currency “Just because something isn’t being done. I know when I ask boldly. _____ 10. _____ 8. I make detailed mental images of what I want. _____ 7.Lifemoney _____ 6. doesn’t mean you can’t do it.
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. getting others involved will be a major key to your success. if people get better at these people skills. but it should make your life experience more rewarding as well. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. 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. 149 . For almost any goal you may have. professional and powerful way will not only aid you in achieving your objectives.People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. So learning to interface with other people is vital to realizing your goals.
I had a salesperson who was one of the most charismatic people you could meet. or had an excuse for something going wrong. During that time. I was managing a staff of 8 sales people who all had extremely different personalities. They were men and women of different races and backgrounds. He had so many excuses that he was losing track of them. who he missed that had passed away about a year before. As an example. I provided them the resources to work in an environment where they could thrive. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. I quickly realized that to deal with people effectively you really need to understand what motivates them.Lifemoney While I was at MCI. Using my Lifemoney Lesson # 8. I did for her what I wanted my sales manger to do for me – I stayed out of her way. I had one rep who was just like I was as a salesperson. out sick. On the other hand. and he needed a couple of days to 150 . I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). that one of the biggest problems in how they managed was that they had a uniform way of doing things. from being a salesperson. He was always late. and that I could not work her harder than she would work herself. that we are all different and had different needs. He once told me about his only uncle. She was self motivated. that she would get the sales in. Amazingly. I saw from past managers that I have had. Their “House Rules” were specific to how they thought a salesperson should be. I knew first hand. 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. that same uncle died again. I knew she was a hard worker. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager.
” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. and at least once every day gave him a swift kick in the ass. especially when it comes to dealing with people. you need to know what their needs are. Shared sorrow is half a sorrow. Are you a people person? Few of us respond to every situation in perfect form. Anyway. and told me that he needed that treatment to get him where he wanted to go. So to get the most out of people and to win them over to your cause. 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 . Lifemoney Currency “Shared joy is a double joy.People grieve. Think of a past problem you had with a specific person. some I still have to this day. Be as specific as you can. Not only was this experience a financial success for me. He later thanked me for helping him. I micromanaged him. but it allowed me to really connect to my reps and form lasting friendships. I treated him how he needed to be treated.
Listen. 152 . Step # 1: Be a Good Listener People want to be heard and understood. of preparing yourself to deal with people rather than doing so on instinct or history. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. Get into the habit. or rhythm. For relationships to be mutually valuable you must build a bridge that goes two-ways. everything. standing in the gap to close it for us. The primary way we communicate with others is through conversation.Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. there are lanes for incoming and offloading traffic. even dealing with people – especially dealing with people – requires proper planning. When it is your turn to listen.” -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. Conversation involves someone speaking and someone listening. do not speak. Lifemoney Currency “Every one of us gets through the tough times because somebody is there. Success doesn’t happen by accident.
Ask questions. Keep in mind he found me so interesting and I barely said a word. If you want to win them over. He was so excited to talk about himself and his experiences that at the end of an hour. find out about them. let them talk about their skills. I will tell you a funny story about a job interview I once had. Try and put yourself in their shoes. Everyone’s favorite topic of discussion is themselves. At the beginning of the interview. Be enthusiastic about what they are talking about and who they are. people like people who like them. When you talk to others. Step # 2: Take an Interest in People When you listen. If you really take an interest in what they are saying you might learn something. advice or assistance. he took an interest in me. Again. It turned out to be a win/win for us both. we did not get to discuss my history. Because I took an interest in him. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position.People To demonstrate how much people want and need to express themselves and feel understood. Yet. Let the other person speak – while you LISTEN. listen with a reason. their needs and their accomplishments. Smile. 153 . Watch for opportunities to offer empathy. Although I knew my resume would be suitable for the position. You can’t learn from them if you’re talking. at the end of our meeting. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. I asked the interviewer a few key questions about himself and what had made him successful in his career. it seemed as if we did not even speak about me. not just another segue to a story about yourself. this guy not only offered me the job.
you don’t have to interject your knowledge or skills. Did they have a bad day? Was there a problem at home? The best way to turn a person with a bad attitude around is to be nice. The gift you are giving is worth far more than anything you might hope to gain from turning the focus of the conversation to you. and telling your stories. Step # 3: Don’t Undermine – Understand It’s easy to criticize. the more two-way they’ll become. brag or whatever they wish. Try it and see how it works. The more you listen to others. Don’t fake it! Did someone cut you off on the road? Maybe she was going to see her husband who has been injured in a car accident. 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. and someone you are talking to tells you about a game of racquetball they played. Don’t take that away by changing the subject to you. Some people are just genuinely grumpy or mean – but these people are not the majority. If this sounds fairly one-sided. But the funny thing about building these bridges is they work both ways. Even though you can relate to the story because of your expertise.Lifemoney Let’s say that you are a very good racquetball player. Let the person tell the story. Have faith and patience that the longer these relationships last. the more they’ll learn by example and start paying you back– by listening to YOU. it might be. They’re getting enjoyment out of reliving an experience or sharing an insight. Most people react in a negative way due to circumstances. at first. But you need to be genuinely nice. 154 . Let the other person feel important and appreciated. In building up conflict instead of offering genuine kindness. you only aggravate yourself.
“I want to repay you.org/i4a/pages/index. The next day. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. a fancy carriage pulled up to the Scotsman’s sparse surroundings. Farmer Fleming saved the lad from what could have been a slow and terrifying death. mired to his waist in black muck. One day. 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.winstonchurchill. There.cfm?pageid=102. even though you typically arrive on time. His name was Fleming. Crazy things happen when you reach out to people and pay some kindnesses forward.People Think back to a bad day you had recently. Then the boss yells at you for being late. screaming and struggling to free himself. and he was a poor Scottish farmer. he heard a cry for help coming from a nearby bog. Maybe you got up on the wrong side of the bed. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. On the way to work you get stuck in traffic due to road construction.” 155 . The following is a very interesting and true story of paying it forward that was taken from the Winston Churchill web site at http://www. “You saved my son’s life. was a terrified boy.” said the nobleman. He dropped his tools and ran to the bog. Maybe you weren’t feeling well. while trying to make a living for his family.
he’ll no doubt grow to be a man we both will be proud of. If the lad is anything like his father. in time. His son’s name? Sir Winston Churchill.” the farmer replied proudly. the farmer’s own son came to the door of the family hovel. “I’ll make you a deal. “Yes. and went on to become known throughout the world as the noted Sir Alexander Fleming. Let me provide him with the level of education my own son will enjoy. I can’t accept payment for what I did. What saved his life this time? Penicillin.” the Scottish farmer replied waving off the offer. Years afterward. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. 156 . “Is that your son?” The nobleman asked. the discoverer of penicillin. Farmer Fleming’s son attended the very best schools and. I know it is because I never really made a true attempt to focus on remembering them. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. This not only looks bad. the same nobleman’s son who was saved from the bog was stricken with pneumonia. Mary’s Hospital Medical School in London. At that moment. but I think people can tell when you don’t remember their names. graduated from St. The name of the nobleman? Lord Randolph Churchill.” And that he did. and it’s a little bit insulting.Lifemoney “No.
Let’s say for example that I need help with financing a business deal that’s important to me. If their name is “Brad” and they look like Brad Pitt. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for.” You get the idea. 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. These little tricks work amazingly well and are well worth the time it takes to practice them.” Another popular technique is to associate their name with something visually unusual. “Nice to meet you. nice meeting you. they will be interested in helping you in exchange.People I would suggest you develop a system that helps you put greater effort into this huge priority. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. 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. Where do you work? Is that right? Sounds interesting. it’s easy. you might think “sad Brad” or if they look happy. Brian. Brian. One idea is to repeat the person’s name out loud a few times during the introduction. Let’s talk about that sometime. the intangible benefits of having their name 157 . But if they look like they’re very tired and sad. “glad Brad. but I will stress what’s in it for them: a great rate of return. the value of the proposed deal. For instance. Again.
too. when they did help. I’m always thinking “what do they want.Lifemoney associated with the project. If a friend is remodeling a kitchen. The winner of an argument in real life is often the loser in the relationship. stupid and embarrassed. All you will do is make the other person feel bad. 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. the fun we can have together as a team. a coworker or a friend. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. offer to help. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. whether a free meal. and how can I give it to them?” I am not saying you can’t get help any other way. inferior. energy and commitment – will be that much greater if you provide people with something they want. how 158 . …you get the idea. but the level of intensity – time. 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. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. a case of beer or concert tickets. Remember that getting the support you want depends in part on providing others with what they need. That only happens in courts in front of judges. 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.
Disagreements on the other hand can be powerful sources of new information and a chance to grow. Don’t give advice unless it is requested. aggressive individuals that think they know it all. Don’t act rashly or lash out. be it personal or professional. people argue because they are hurt. Think about someone in your past that pushed unwanted advice on you. and even then be careful. Wait for your opinion to be asked before shoving it at someone. even if it’s negative communication. no one is impressed. Let others mention your accomplishments before you do. Don’t speak out of anger. Think your words through. Always try to look inward to the core issue. don’t tell. 159 . Keep in mind that everyone is born equal and deserves to be treated that way. particularly defensive and mean ones.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. Don’t brag. I make a big distinction between arguing and disagreeing. Relax. Step # 8: Think Before You Speak In any discussion. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. 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. upset or just want to communicate with someone they care about. Show. Often. be self-controlled. Arguments. Speak from a calm center. do nothing but harm.
but he never called or wrote to say thanks. but received no sense of appreciation. 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. Everyone makes mistakes and will disappoint you at some point. Step # 10: No Whining Allowed No one likes a whiner. lower your expectations of others and increase them for yourself. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. Look people in the eye and give them respect when you speak to them. 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. You would be surprised how far all of this will take you in building relationships. Just remain calm and don’t shoot your mouth 160 . Shake hands firmly and introduce yourself when around new people. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. To get along in this world without becoming an irritating whiner. but it’s extremely important. Always say please when asking for something. Some of those mistakes will be at your expense. It makes a deep and lasting impression that money can’t buy. 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. Don’t cry or whine over any of this. but we all have problems. even after working hours of unpaid overtime. Take courtesy even further. Or you might have helped a coworker with a difficult project. This may seem like a small thing. From time to time you may even take the blame for something that isn’t your fault. It’s not that your problems are unimportant.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance.
The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. The person that I was meeting came out and told me that he would not meet with me and would not do business with me because I was late. time is their most valuable asset. I know this is extreme and there are times when being late can’t be avoided. 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. You never know when you might have to go back the way you came and deal with that person again under better circumstances. When people know you are dependable. 161 .People off and burn bridges. Also. If you can’t be trusted on one issue. Your word means everything. As I mentioned. more opportunities will be sent your way. being late is a sign of disrespect for someone else’s time. to a successful person. especially in business. I had an appointment with someone and I showed up 15 minutes late. but this true story illustrates how sensitive some people are to lateness. Even if it is just to arrive to a meeting at a certain time. chances are your credibility will be shot for all that you do. Step # 11: Your Word is Your Bond Do what you say you are going to do.
because your character is what you really are. or that costs you plenty when it does get a running start.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return. They can be so-called “pals” who don’t believe in you. like fishing or playing cards. If you don’t like 162 . don’t be afraid to cut ties totally. If it’s someone who is really just negative and brings you down. politely let them that you will get in touch when you have time. Problem people often hide in plain sight. They might be an older brother who sets a bad example with his drug use or gang activity. You probably already know who some of these “avoidable” people are. It’s not that you can never enjoy recreational time. put you down or turn you off. They may be hardheaded bosses who refuse to think out of the box. 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. or who tell you to give up because you have more important things to do. but you have to put first things first if you ever plan to reach your goals. 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. while your reputation is merely what others think you are.
They might be a good friend who listens while you describe the goal you want to reach.People where the bus is going or you changed your mind in the direction you want to take – get off. cling to them. A motivator can be anyone who trusts you to follow your dreams. you must also make room in your life for the motivators. They’re a little harder to find. Just as you must get rid of the people who will drag you down. Either way. make sure that you’re always riding the right bus for you. seek them out. If they’re nearby. It might be a mentor who leads by example or. Either way you’ll know these motivators because you’ll feel an instant attraction to them. In fact. It’s not quitting if you’re the one doing the choosing. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. Find a new bus or another means to get there. And the more you hunt for them the more they will be attracted to you. as well as your plan for getting there. 163 . quite literally. it’s simply a move in a new direction. 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. the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. or they may be a total stranger. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. if they’re far away.
Lifemoney Lifemoney Currency “Get around the right people.” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson.” -Brad Turk 164 . Associate with positive. 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. What’s the best way to learn them? Choose any one of these and use it today. This is the best way I know of to master this list. 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. Lifemoney Currency “One skill you act on is better than 12 that you don’t. goal-oriented people who encourage and inspire you. Then magic happens. In fact.
I understand the value of tolerance when dealing with difficult people. I don’t whine. I have a good sense of which people to pursue and which to avoid. I make efforts to express appreciation and good manners to others. I keep to my word. _____ 7. _____ 9. _____ 5. I am taking an active interest in people _____ 3. Lifemoney Currency “Find people to make up for your lack of know-how and. you WILL know-how. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I always remember the “what’s in it for me” rule. and I often make efforts to give without expectation of receiving anything _____ 4. _____ 10. eventually. _____ 8. although I can politely disagree. _____ 2.People Millionaire’s Checklist: Check all the items below that you agree with.” -Brad Turk 165 . I try to stay calm and avoid arguments. _____ 6. and then tally your score. A huge part of receiving is giving. I am learning to be a good listener.
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 .” -Willie Nelson Overview Someone once said. This talks about some of the things I’ve found useful in creating a positive mind. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction. you'll start having positive results. whether you believe you will or you won’t – you’re probably right. a well maintained attitude and a “no excuses” outlook. What you believe you’re going to get in life is pretty much what you’re going to get.
I saw her complaining everyday about what I thought were very trivial things. believe that it can happen and know that you have what it takes to make it happen. if you focus on the positive. or the fame of her dad but everyone in school wanted to be near her. you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. As a general statement positive thinking plays a powerful role in helping us achieve what we set out to do. or do you think that it probably won’t happen for you? This question is like a fork in the road. On the contrary. Her father had been an executive producer of some very well known films. You just have to know that you’re heading in the right direction. her money. happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college. you create road blocks that stop you from achieving your goals. If you focus on the negative. and whichever direction you take in your mind will probably dictate your destiny. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. it appeared she had everything that a person could want. It appeared that everything annoyed her and she was never happy. I don’t know if it was her beauty. When I finally had the chance to meet her personally. The Multi-Millionaire Blues A good example of how attitude. 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. He was both successful in his field and wealthy. I figured she would have far fewer worries than other people! In getting to know her. From the outside looking in. I was amazed to see how miserable she was.Positively Thinking Do you believe you can reach your goals. 167 .
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. and say.Lifemoney I stayed away from her negativity and did not associate too much with her. 168 . So don’t worry about what you can’t do. 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. Maybe you come from a family with many losers and too few winners. They complain about all the ways in which other people or circumstances are standing in their way. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. do. you do have complete control over what you choose to think. 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. what you attract into your life and your ultimate success. focus on what you can do. It’s not what you have but how you perceive things that really counts. “He’s the reason I can’t get ahead” or “If that hadn’t happened I would be rich by now” are just excuses for not taking responsibility for their own lives. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. I heard a few years later that she had attempted suicide. You might feel as though you are destined to continue the long line of defeat. Though you have no control over the actions of others. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness.
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. I was able to become wealthy. If you grew up wealthy – good. 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.” Your mind is yours. Lifemoney Currency “Just can’t live that negative way…make way for the positive day. You dream 169 . Change the channel and play the role starting now. You have even more desire to do better than others may have. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. there is nothing stopping you from becoming all that you dream of becoming. you better change your mental channel. How do you work this “mental” remote? If you act like you are already successful the achievements you want and deserve become a near certainty. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. In America. If you feel yourself beginning to argue with me. so use it positively. It starts in your head with your mental remote and plays out in reality.Positively Thinking Practice turning negatives into positives.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. STOP! Forget the excuses! If you grew up poor – good. If you catch yourself repeating the complaints above.
write down a lesson you learned from this failure. Failing does not make you a failure if you let it teach you lessons. He visualized it. and guess what? It’s yours. The mind rules over every part of the body. Also. and owned the feeling of a champion. you work hard to get it. that had to be coupled with hard work and long hours in the gym. Goal Achievement Exercise T Take out your Workbook. It was the mental focus on all that he did that made him the best in his field. you implement your plan. took it on as his personal goal. but he said that all the intense effort and workouts did not give him the extra edge that he needed. This attitude and confidence spread and led everyone else to believe the same. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. List five failures that caused setbacks in your life. Arnold Schwarzenegger went into every competition thinking he was the winner. Do it and watch how your outlook brightens. This is the way you turn negative experiences into a positive ones.Lifemoney it. you have a smart plan. Get your mind on the right channel and the body will do its part to follow the plan. Failure can be a very positive experience if you dig through it to find a good lesson. Obviously. 170 . and explain how you will avoid one of those failures in the future.
But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. Understand that a positive mindset happens first. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success. If you want a piece of the action. Looking back have you been a complainer or a fixer? If you had it to do over. but it does happen. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 . Rather they give years of their lives charting a positive course and expecting greatness.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”. 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. would you handle things differently? If so. a Donald Trump in real estate or a Jay-Z in the studio. Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by. Negative people complain about things and positive people fix things. Which have you been? Be honest with yourself. -Thomas Edison Don’t Complain . It usually doesn’t happen overnight. They have a mental certainty that what they’re doing will lead them right to where they want to be.
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. Instead of whining about what you don’t have. especially if it was a thought that stopped you.Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. that a former teacher encouraged because you secretly had no confidence in your ability. Begin positive. These are all signs of a distressed and negative mindset. 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. an inspiration. start looking for what you can get. Why? Negative thinkers typically think that they’re stuck and will be miserable forever. and never feel played out. did a previous employer offer to pay the tuition for you to return to school. 172 . and get frustrated. The same is true about anxiety. If you want people’s attention. Is stress holding you back? Stress is often closely linked with a negative mental attitude. but we can control our responses to them and the actions we take as a result. The solution is to stop complaining and fix your attitude. Make a mental note not to miss these kinds of opportunities again. like drawing. and a role model. stay open and be ready to jump into action. Positive thinkers are always focusing on ways to positively impact their world. Begin using positive thinking to search for new ways to impact your life. How do you do that? You’ve heard me say that we cannot always control the events in our lives.
Include options like going back to school. anyone can start from now and make a brand new ending. That’s a great first step in positive thinking. or relationship opportunities. Lifemoney Currency “Attitude is a little thing that makes a big difference. Make a list of opportunities from the past that were missed due to negative thinking. overcoming a bad habit. Make the list with a new sense of optimism and hopefulness. These could include lost academic. developing new skills. employment.” -Anonymous Goal Achievement Exercise U Take out your Workbook.” -Winston Churchill 173 . make a new list of potential opportunities for the future.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. When you’ve completed this list. cultivating new relationships (or restoring old ones). 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.
Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. Often when we look at successful people we only see the end result without understanding what they had to go through to get where they are today. Some famous examples include Beethoven. football coach. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. and even a modern example like Hilary Swank who after getting fired from Beverly Hills 90210 for being a bad actress went on to win 2 Academy awards. broadcaster 174 . I never had a crisis that didn’t make me stronger.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. whose deafness did not stop him from composing classic musical compositions. who minus sight and hearing became a model of inspiration to others. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. Helen Keller. or at least their little piece of it.” -Lou Holtz. Positive thinking sets them on a course for achievement.
Positively Thinking Worst Case . You can “worst case/best case” think your way through any troublesome or negative situation you encounter. so what? Who cares? Besides. Think about something that you are afraid to do because you think you might fail. Instead think in terms of best case/worst case.Best Case Try this experiment to create more positive thinking. Lifemoney Currency “The only disability in life is a bad attitude” -Scott Hamilton Keep It Moving Unlike a great speech where you get immediate feedback. most people in your audience would rather die than speak. Don’t be intimidated by life situations like this. And if they did laugh. many of our efforts don’t bring immediate results. Then take on life without apology or embarrassment. 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. You may submit a proposal and wait months before 175 . What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. so you’re already way ahead of them. who is going to think twice about your errors after they arrive home that night? It would never happen. Most people don’t remember what even great speakers say! Besides.
Without those first small steps there could be no end result worth noting. Teach yourself to stay positive even if nothing great appears to be happening and keep it moving anyway if it is helping you reach your goals. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. lack of feedback can lead to negative thinking. Everyone faces down times.Lifemoney getting a reply. Stay positive by remembering that lesser. 176 . Unless you’re prepared to wait. The way to get over them is to keep it moving until something positive does happen. 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. This relationship is going nowhere. why not be positive. Think of it this way: you’re going to have to spend the day in some way. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. 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. 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. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. It’s time for a change. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. She’s probably like all the others.
Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. The key is to quickly counter the negative talk the instant you recognize it. Or maybe the girl has a habit that reminds you of someone you used to date. especially if others are telling you it won’t happen. For example. going back to college at 40. or climbing to the top of your profession may seem unachievable at first. trying to get into graduate school. But that is the time to push the envelope to reach your dream. it may seem unreachable at first. Create a Repeatable Success Thought When you set your sights on a distant goal. the faster your mind will change into a direction that goes forward. 177 . The idea is to simply stop thinking negatively and to find something good to say “yes” to. Really look carefully at these statements for a moment. They rob you of positive energy and momentum. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. 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. We ought to try a little longer in case this turns out to be something good. I’m going to call her and plan something exciting.
Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. the sooner you will believe it. write down positively phrased replacement terms you can use as success thoughts. I will speak up at today’s meeting. Nothing can block my success.” (Too long and detailed) 2. I do not need second helpings. and repeat it often. “I plan to stop spending too much money and will close all my extra credit card accounts and only carry cash when I go shopping. Goal Achievement Exercise V Take out your Workbook. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. Don’t write long sentences or anything that is too short or vague. “I’ll stop spending. I will take my wife to Hawaii next year. Make your success thought as specific as possible. Be specific and limited.” (Too short and vague) 178 .” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence. I call these “success thoughts. The more you say it. To avoid negative self-talk and track negative thoughts. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1.
” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. such as. but you have to think positive.” (Positive. After a few weeks. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. Everyone makes mistakes.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. pre-recorded message that reminds you to stay on track.” (Positive.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. “I won’t charge more than $50 weekly. Lifemoney Currency “Anything is possible. detailed and valuable) Use your imagination to come up with more positive statements like these. When you fall down. specific and helpful) 2. but the important thing is to think positive. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance. it’s how you view them and what you do about them that matters. “I’ll pay my balance each month. 179 . “I’ll use just one credit card. Instead. update the success thought for a related goal. and you have to fight.
Think about the things that are positive in your life. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains. Although others may have held you back at one time or another or you may have to seek help to reach your goal. Don’t let anything keep you from getting it.” 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.Lifemoney Don’t let past failures hold you back. remember that you are responsible for how your life turns out. Keep focused on what you want.
Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. Lifemoney Currency “Some view the glass as half empty. _____ 3. I can see how past accomplishments have prepared me for the future. I refuse to hold on to negativity and past misbehaviors. I am watching for opportunities to say yes to. some view the glass as half full. I will not let others’ pessimism interfere with my plans to reach my goals. _____ 10. _____ 8. I repeat success thoughts to myself as often as possible. with the waiter on his way over to fill it up. _____ 5. _____ 9.” -Brad Turk 181 . but rather. I am learning to manage personal and job-related stress by positive. and then tally your score. _____ 1. giving yourself 10 points for each checkmark and 0 points for any left blank. I am making consistent efforts not to complain. I view the glass as half full. _____ 7. to fix my situation. I keep moving ahead even though I’m not getting immediately rewarded. not a loser. _____ 6. _____ 4. _____ 2. I will continue viewing myself as a winner. proactive thinking. I will act as if I’m in the role I want to play.
When you recognize that sacrifice is frequently a part of success. it turns denying yourself into investing in yourself.” -Evel Knievel Overview Few of us do well with sacrifice. Successful people know that dreams don’t come pre-packaged overnight. it just doesn’t come naturally. 182 . Not true. They say I have broken every bone in my body. If we could find a way we’d have it yesterday. But I have broken 35 bones.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. I forget all of the things that have broke. We want it now. I had surgery 14 times to pin and plate. I shattered my pelvis. We want it all.
000 in sales. store or business. some become millionaires. there are people who were born in this country who complain about the lack of jobs.100. you have to make those kinds of sacrifices. off the ground he did just that. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying. sacrifice is often a part of any success story. Yet. would you? 183 . It’s a real risky strategy but sometimes when you believe in something strongly enough. It cost him $175. They lay everything they have on the line. but I can tell you that Spike would probably say yes. Ask filmmaker Spike Lee.000 in domestic box office sales.big time! Big or small. Spike Lee knows that sacrifice can pay off . Go into Debt and Max Out Your Credit Cards Are you willing to max out your credit cards and assume massive debt to get where you want to go? Before I go any further.000. saving every penny to open a restaurant. I will tell you right off the bat that I wouldn’t be. sleeping just a few hours a day. rigorous job to get where they want to go.000 to make the movie and it grossed $7. to get his first film project. Some work two and three shifts for years at a time. grateful for the opportunity to have all the work they can handle.Sacrifice Borrow. Within a generation. Many immigrants come to this country with nothing but the shirt on their backs. Why? Because they work hard. She’s Gotta Have It. Since then Spike Lee has produced at least 22 other films that have made over $433. Was the sacrifice worth it? You’d need to ask him. This much I can tell you. They are simply unwilling to sacrifice anything to get where they want to go. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants. But if that was the only way. In 1986.
There were no shortcuts to success. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. Lifemoney Currency “Judge your success by what you had to give up to get it. Pulitzer Prize winning political cartoonist. at almost any cost. took a job as an insurance salesperson straight out of college.” -Dali Lama Sacrificing for Success Mike Luckovich. Ask yourself the following questions: • • • • What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes. 184 . 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. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested.
Below the goal you just wrote. or he might have gotten discouraged and given up. and giving up your weekly poker game to play tennis. 185 . spent months in prison rather than surrender his belief in equal rights for all people. They are costly and precious. $100 per month for a gym membership. List the tradeoffs you are willing to make to reach one of your goals. Jr. and/or enjoy that you are willing to part with in exchange for your goal. For example. However. You have to be willing to do whatever it takes to claim them. Choose one of your goals and write it out. list three things you now do. and I can’t make up your mind for you.Sacrifice Martin Luther King.. etc. What do you have in your life now that is expendable. or is your goal just a casual want? Only you know. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. But he stuck with it. if becoming more physically fit is one of your goals. Ideals are not cheap. Goal Achievement Exercise W Take out your Workbook. which you would be willing to exchange for something even more valuable? Is it time? Money? Resources? Possessions? Relationships? Only you have the answer to that question. I am committed to helping you get where you want to go. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return. improving the lives of millions of people. and you will have to be ready to give it when the time comes. He could have taken the easy route to avoid jail time. your sacrifices could include six hours of your time each week for daily workouts. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. have..
Success has value because you have to work for it – you earn it. Which one do you think 186 .Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. 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. you proudly go out and purchase the gift. They’re both chasing the same dream: business success. You can view your goals in the same way. But as we’ve seen that’s not always the case. when you do reach your goals. you eagerly add a few dollars here and there to save up the needed amount. they will mean the world to you because of what it cost to reach them. 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. When you get enough. If you could just reach out and get them today. Whether it costs $20 or $200. Imagine a scenario of two young women. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. But after years of careful thought and unwavering perseverance. presenting it to your friend or loved one with a sense of tremendous accomplishment.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. there would be no effort or cost attached—and they would mean very little. One is given everything by rich parents who buy her everything she needs and most things she wants.
Put less important things on hold. That cost is part of the joy of success. have a question. you have already begun to outline some of the goals you hope to reach and have created a plan to get there. sweat and tears for something you’ll own it in a way that nobody else can appreciate. or taking a class. Why does she appreciate it more? It’s common sense that when you pour out your own blood. “anything worth having is worth working for. at least temporarily. Seek help when I get stumped. Are you ready to figure out what it will cost in time.). volunteering. etc. • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. But no plan is complete without counting the cost of reaching your objectives. write a book.Sacrifice appreciates the success more? You know the answer. Get feedback from those who already have accomplished similar goals. Invest a certain amount of income toward reaching my goal(s). In planning for your future. or run into problems. money. 187 . 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. Period. Develop a needed skill through a second job. Find the non-essential time-eaters in my life and eliminate them. and sacrifice to reach this goal? Here are some of the possible “costs”: • Give up an hour or more of sleep to work on my plan (get fit. You’ve probably heard the saying.” Do you feel that way about your road to success.
But if you save and invest it. 188 . Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. there will be nothing left. If you spend all you have. It’s a simple fact of life. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. you will have enough for today and tomorrow. The wealthy will have enough from current savings and investment plans. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. 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. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals.” -Sidney Howard Number 2: Delay gratification Sociology experts tell us that one of the differences between the lower class and the upper class is the ability to delay gratification. but less than twenty percent of the population do so. too.
For example most of us don’t get paid for our work at the end of each day. almost any achievement in the world will become immediately more achievable. Often we don’t find out about a medical test result for several weeks. list something you will get done before you have your fun. eat some ice cream. When you think about it. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. 189 . List one or two tasks you will have to complete before you get your reward. Goal Achievement Exercise X Take out your Workbook. which in the end brings it own kind of reward. In other words we’re doing it anyway. When you have successfully conquered the need for instant gratification. List two or three fun things you want to do today. go shopping. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. or at the end of the month. Do this exercise well and discover how much more you get done and how much better you feel.Sacrifice Delaying gratification is something you get used to. Then underneath each item you expect to give yourself today. etc. This might challenge you and be a little difficult. watch your favorite television program. It might be go for a walk. Let’s build your ability to delay gratification. Make sure that those things on your list are things you really want to do. every other week. Instead. many areas of our lives undergo postponement. All of these things take patience. play tennis. we collect paychecks every week.
So do it. especially if you begin with a reasonable amount. But with a little effort. Many goals that seem hard at first become easier once you get momentum established. making community contacts. You may be reluctant to open a bank account. Depending on what you hope to achieve someday. The same is true for working toward your future goals. Most of us lead busy lives. doing 190 . pulling the trigger and going for it. Because I know if I do. family. the results will come. Devote fifteen to thirty minutes several days a week to your goals. I don’t do things half-heartedly. you can arrange for a direct deposit straight from your paycheck. But actually. and social activities. Start small. this could involve reading. and it may seem difficult at first to find enough extra income to make regular deposits. say $25 per month. then I can expect halfhearted results.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. Just do it. so you will never miss the amount of each savings account deposit. But you won’t know that until you pull the trigger and get moving. Finding time to work on long-range goals may seem impractical. We barely have enough time to get through a typical day with the demands of work.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. setting aside time for future rewards is like making deposits in a savings account.
of course. then you have to keep on doing the whole lot. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. this means you’ll have to give up something in exchange for this valuable daily time. None of those tasks took a long time – but each one was a step toward realizing a goal. visit with your representative. You put in 191 . from the inside out. Everyone has to pay their dues as they work. Whatever it is you must give up.Sacrifice volunteer service. But if you keep pulling the action and sacrifice trigger. do it. fully aware that not all of it will produce rewards. that if you can’t tell which half. Remember that one of the keys to success is to learn everything about the role you want to play. Life is a bit like that. if you want to get involved in local government. Pull the trigger already. Sometimes it seems unfair. you may need to first attend some political rallies. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. you will be rewarded. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. For example. His point was. Whatever your goal. Naturally.’ but he didn’t know which half. so pull the trigger now and get your show rolling. keep in mind that you may have to work through several levels of effort to reach them. 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. And keep pulling the trigger at each “next” level of achievement you’re taking. 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. or volunteer as an aide to learn the ropes.
This is the shadowland of hope. You work up a sweat.Lifemoney loads of effort and get nothing back. you have to keep doing the 100% because you don’t know which bits will pay off. engraved there to inspire the youth of that school. Well. and others cruise it.and which aren’t.” This quote summarizes a great lesson I’ve learned throughout my successes. and anyone with a dream must learn to live there. I know it isn’t fair. Your efforts will be rewarded eventually. It’s a simple lesson that has never failed to produce great results for me. It reads: 192 . The lesson is that you must continually give 100% effort in the direction of your dreams. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile.or for what -. but you’ll probably never know which efforts are being rewarded -. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work. but then life isn’t.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure. You’re polite to people and everyone seems rude back. 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.
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. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. then he dies. if you build your Lifemoney. and then force ourselves to work hard for them. It’s not nearly as bad as you might think. no matter what the cost? That question hangs in the air several times during the movie as all the men do a gut check as to their willingness to take down the feared Capone. 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.Sacrifice “I will study and get ready. Good things don’t just happen to us. But show me someone who has achieved their dream without it. In the movie. the work doesn’t seem like work. an Irish cop played by Sean Connery. Nobody wants to hear about effort and work and sweat. Maybe they should. In addition. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. Those people just don’t exist. 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 whole process of success becomes easier. Sacrifice is sort of the dirty word of success. At the climax of the movie. Instead. What are you prepared to do? 193 . One of my favorite movies is The Untouchables. but they rarely do. Are you prepared to follow this through. having been mortally shot.” The emphasis is on the preparation. and if you love where you’re going you can know ahead of time that you have a lot of pleasure ahead waiting on you. we have to figure out which ones we want most.
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. Be prepared to give up more of what you have to get more of what you want. focus on “what am I going to get in return?” Investments of time or money are long-term deals.” -Wayne Gretzky 194 . at almost any cost. Most do not pay off immediately. to reach out and grab your future? Don’t spend the rest of your life wondering what might have been.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. and some require harder work than others. sacrifice pays off. 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. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in. In the end. But if you keep putting in the effort. No one likes to sit around wondering what he or she has to give up as an investment in a dream. Only you can decide what you are willing to give up in reaching your goals. the payoff will eventually be seen.
Some of my goals will require that I hang tough. I am pulling the trigger on my talent today. I am prepared for life. _____ 5. I have identified several things in my life that I must sacrifice for success. _____ 4. I have calculated my goals’ financial costs and scheduling adjustments. I am learning to delay my gratification for both the present and the future. _____ 7. _____ 1. I am willing to pay the cost that is required for me to meet my goals. giving yourself 10 points for each checkmark and 0 points for any left blank. I believe that planning for the future is as important as getting by today. I will put forth 100% effort at all times. and then tally your score. _____ 3. _____ 6. _____ 8. _____ 9. ____ 10. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 .Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. I am willing to set aside less important activities to focus on my goal. _____ 2.
196 . without experiencing anxiety.Lifemoney Lifemoney Lesson # 11: Be Patient and Enjoy the Journey “The road of life twists and turns and no two directions are ever the same. not the destination. tension or frustration. It is the ability to let go of the need for immediate gratification. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going.” -Don Williams. Yet our lessons come from the journey. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results. I mean the ability to sit back and relax while waiting for an outcome. By patience. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. J Overview Having patience is a key ingredient to successful living.
How do I differentiate the two? A sense of urgency is a good and powerful 197 . This is one of my personal flaws that I am working on. When you stress yourself to create results too quickly. When you force efforts. 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. without which you are going to suffer. 4) I hate having to do or say something more than once. There are many negative consequences on health. from impatience. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. This can further result in losing important things like business relationships. you run the risk of anxiety. Gradual change and growth give you the greatest chances for success. It’s as if patience is a simple building block of satisfaction. which is a powerful force that gets things done. the results just won’t last long. relationships and personal growth when you lack patience. jobs and friendships. 6) I just don’t know where to start . unhappiness and sometimes even anger. I’m going to move on to something else. which can be very destructive. I have to be honest with you: I happen to be a very impatient person. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say. But I am careful to differentiate urgency. 5) If something doesn’t work immediately.this task has two many steps.Enjoy the journey 2) I will never get to all the things I have to do. 3) I can’t stop for even a second until I reach my goal. you need to be patient and wait for your results.
I told 198 . and don’t let the things I can’t control stress me out. I have an unrealistic expectation of speed. I’d brought on an investor to put up the money for the deal.Lifemoney tool. 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. 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. If I’m not careful this can create impatience in me. It’s a quality that helps me act quickly and get an enormous amount done. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. 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. But when urgency is applied to things I can’t change. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. urgency turns damaging and can lead to senseless and sometimes destructive impatience. This is a struggle for me as it might be for you. I need to clear it from my mind. Mexico. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. I can’t control those timeframes. And this is probably true for you too. If I can’t change or alter a situation. For example when I take on tasks that are really time consuming (this book for example). Based on where I was in the process and the faith that I had in my contacts in Mexico.
and patience was number one. When reviewing the numbers in this new version of the proposal it was obvious to me that we would lose money if we signed that deal. What was I going to do now? Go home with no deal and give up? How could I tell my investor what happened? Was I going to start from scratch after all this work in putting together this deal? What I did was relax. I noticed that they had changed all of the terms of the deal. regroup and come up with a game plan.600. Based on the trust that I had built with the investor on past dealings. I picked up my things and told the company I was meeting with that I would look over their new terms. he decided to partner with me and put up the $1. I wanted this deal done.6 million dollars. $1. I flew down to Mexico for my big meeting and to sign paperwork. It took all the Lifemoney lessons I talk about in this book to get me through this situation. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. me not speaking a word of Spanish (or only enough to order dinner and maybe get directed to a bathroom) and no deal on the table. Outraged by what transpired. a partner who trusted me enough to put up that $1.000 that was needed to get this project going.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. and then I left the meeting.6 million already invested in the equipment needed for this project. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . There was so much I had no control over. So there I stood in Mexico. When I sat down in my meeting and went over the paperwork that they had prepared. I immediately extended my trip from 2 days to a full week.
I would have never completed this deal that wound up being a very successful project for me. Get preoccupied with another task until you have results from the first. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. Look at the things you have accomplished to date. If you understand that success is a journey you will begin to enjoy each moment and will realize that being impatient is counterproductive and takes away from the joy of life. So what should you do to be more patient? Make an effort to keep track of the following things: • • • • Break large goals into pieces and focus on one piece at a time. Focus on the results and not the task. 200 . I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. If your goals don’t seem to be on track. • Stay busy. Do something fun and celebrate your incremental success. Why? Because I was patient and focused on controlling what I could control. I started making calls and finding out key contacts and setting up appointments. I wound up getting an even better deal than I would have initially. reevaluate your objectives and make your goals more realistic for your needs.Lifemoney had met with. • Reward yourself for completing something difficult. If I did not have the patience to stick this out.
If you do. Here’s a very personal technique I rely on to help me enjoy the daily journey. 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. When I am having a bad day. Think of all the fun and excitement you will miss if you don’t savor every moment. You need to start enjoying a little everyday. You need to live today like it was your last day and plan for tomorrow as if you were living forever. you will wake up and have missed out on what life really has to offer. I’ll realize today is beautiful and I should appreciate my health. Don’t take time for granted and let your life pass you by. The 5 Year Test Another very effective technique I use is the 5 Year Test.Enjoy the journey Enjoy the Journey The purpose of life is not to work hard for 40 years and be miserable so that you can retire at age 65 and enjoy the last years of your life. I open the window or take a walk outside and enjoy it. Chances are you will look 201 . For example. We need to count our blessings and enjoy what we do have and make the most of every day. Who said life has to be hard? It is only tough if you make it tough. 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. I find something to make me realize that it’s not as bad as I think it is. 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. Are your problems really as serious as you think they are? I think about my problem and imagine how it will affect me 5 years from now.
a joke. 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. 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.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. You will remember that in 5 years. it probably has no bearing on your life now at all. List 2 problems that you have had in the past. A death in the family is terrible and needs grieving. Don’t let one day pass you by without appreciating something that you may never have or see again. Now. they seem unimportant. that when you look back on. Time moves faster than we all want to believe. 202 . list 2 problems that you are presently facing and put them through the 5 year test. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied.” Do you remember your first break up? No matter how sad you were at the time. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. spending time with friends or family. A good meal. or listening to good music should be enough to keep us going and to get us over daily disappointments.
dancing." Morrie replies. After all these months.how could he find perfection in such an average day?" Then I realized this was the whole point" (p. And going home and having a wonderful sleep. lying there. So average. I was actually a little disappointed." he is asked.. Tuesdays With Morrie. author Mitch Albom visited a former professor. Morrie. Albom asked Morrie a question: "What if you had one day perfectly healthy .Enjoy the journey In the best-selling book..What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea. at the end of the day what is truly important may be the simple. Don’t overlook the obvious in your quest for the brilliant. going out to a restaurant for supper. "That’s it. unable to move a leg or a foot . I figured he’d fly to Italy or have lunch with the President or romp on the seashore or try every exotic thing he could think of.175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. talking with people. 203 . a walk in the midst of nature. friends over for lunch. In a chapter entitled We Talk About The Perfect Day. "That’s it. unnoticed things we do all the time. a swim. "It was so simple.
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. It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated. In other words. it is best to have a fire in your gut for what you’re doing! I don’t necessarily agree with a lot of successful people who say that if you don’t have a passion for something you can’t be successful. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. I know successful people who are making it big in things they don’t care about. But I do agree that passion helps. better yet. there is always someone with less doing more than you. The people who succeed find reasons why they can do something. In the process appreciate what you have and enjoy it. it won’t feel like work.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else. Some people complain about going to work when they work in beautiful air conditioned offices. Don’t make excuses find solutions and make it happen. Think about the person who is working outside in the heat. I think people are 204 . GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. the people who fail find excuses for why they can’t.” -Brad Turk Appreciate what you have and don’t complain and make excuses.
But whatever you do. 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. Try to create an external world outside of your business that enables you to have fun. see your job as your vehicle to get you someplace else. writing one manuscript after another and firing them off to the publishers in hopes of being accepted.and create some financial success that can free you. You can do that. Sometimes the ends do justify the means. My suggestion is that if you have a good job for which you don’t feel a lot of passion. He hardly noticed the leaves turning colors outside his small window.” At least that’s the way I am. then look hard to find something you’re passionate about and consider a career change now. Day after day.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. he locked himself into his attic office and plugged away. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. There is a story about a young man who wanted to become a famous writer. 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. If you can’t stand doing what you’re doing. I’ve worked in situations that I didn’t have the least amount of passion only because I knew that if I stuck with it I’d get something that I wanted out of it. 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. In fact. be stimulated and enjoy life…. Then one day he 205 .
and have moved out. found a publisher’s letter saying that his book would be published. Walking through one room after another. Better luck with your novel. now middle-aged. As he got angry when she did not bring the mail at exactly 2 p.” Ironically.Lifemoney waited for his small daughter to bring up the mail. Don’t stop yourself from relaxing and recouping. Again. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. List 5 things that you are going to do to ensure that you are enjoying your journey through life. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to. But it had cost him far more than he had ever imagined. Renew your energy. The moral of this story is that success by any means doesn’t always “mean” success.m. the man went downstairs and was amazed by the quiet that filled his whole house. 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. 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. If you are stiff and focused on a goal and have such blinders on 206 . in checking the mail. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money.. the man. the object is to make your life enjoyable. they were all empty of his family and furniture.
Take the time to smell the roses. play hard. and how to really enjoy the ride.Enjoy the journey that you are letting life pass you by. you are missing out. and sometimes the answers you generate for yourself are wrong. I don’t want to miss out on life to get my reward someday in the future.” -Anonymous 207 . You need to have a balance. I want my rewards as I go along. 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. the small everyday things are the things you’re going to miss the most. There’s plenty of time to be dead. If you’ve figured out what you’ll miss the most when you leave. because when you’re finally done and outta here. My motto is work hard. Patience and Enjoying the Journey Summary Life is funny. It goes by both very fast and very slow. you’ve gone a long way to deciding where to spend your free time. Lifemoney Currency “Enjoy life. This much I know: success without enjoying your journey through your days is pretty worthless.
” -Brad Turk 208 . _____ 10. I will practice the 5 Year Test I will not stress over things I can’t control. Lifemoney Currency “Live today like it was your last day. I will find something positive out of everyday. I will take time to stop and smell the roses. I will not wait until it is too late to enjoy my life. _____ 6. I will not take for granted what I already have. _____ 8. I will take a break from time to time to rejuvenate and enjoy my life. _____ 1. I will have urgency in my work and patience waiting for my results. giving yourself 10 points for each checkmark and 0 points for any left blank. I believe my day to day efforts will have an effect in the long run. _____ 7.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 9. and then tally your score. and plan for tomorrow as if you were living forever. _____ 5. I will break goals into pieces and patiently work on one piece at a time. _____ 2. _____ 3. _____ 4.
101 Affirmations 209 .
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