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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....
...................................................51 Make Less ...........................6 My Early Years .......................... Too!...............................................................................................................................28 WHOSE Dream Is It.................47 Get Rid of It! .......... Inc.................................................... 1 My Lifemoney .....................................10 Knowing Myself.....................................24 Overview............................................................................................................................................................................................................. 6 Overview................................................33 You Are in Control..8 Persistence Pays Off ...............38 Overview.............................................37 Lifemoney Lesson # 2: Knowing Yourself .....................................................................................38 Sometimes It’s Better to Strike Out ................................Table of Contents Introduction: Millionaire by 30.............. Anyway? ..................................................... Not Cash) ............................................39 Who are you? ......................................................................................24 Want to Succeed? Sleep Late!..............................................................13 Getting Focused...................................................................... Inc.................................................................................................................................................com ............................................ Retired by 35: What Lifemoney Means to Me.................................................21 …You Can Do It....................................11 Learning About Business...........................................27 Find the “U” in “SUCCESS” ...........................................................................................................................................34 Defining Success Summary .............19 Self Made Records......................................................52 A Fish Story ......................... .........................................18 Heat Wave Tanning.................................................................41 Goal Achievement Exercise B ...........................................................36 Millionaire’s Checklist: .......................................................................................Find More................................................................................................31 Goal Achievement Exercise A....................................................................................................53 Can You Dunk?.................................................15 This Was Only the Beginning ............................................................................................................................56 v .42 Goal Achievement Exercise C ............................................................................................................... / MyMusicSite..................................................................................................17 Global Business Solutions...............................................................................................................................................................................6 If I can do it… .................................24 Success on Your Terms ....................................................................................................................................32 Win Life’s Lotto (Real Wealth is Measured by Achievement........................................................9 Looking for Motivation ........................................48 Buy Stock in Yourself .....................................44 What Are Your Limitations?.............................................................................................23 Lifemoney Lesson # 1: Defining Success.............................................................................................................39 Don’t Be a Stranger (To Yourself)...........................................50 Goal Achievement Exercise E .................................................................................................................... Inc.................................................................................................... ................................................46 Goal Achievement Exercise D.................................................................................................................................................................................................................
............................................................................................................K…....... 115 Lifemoney Lesson # 6: Resourcefulness.....................................81 Overview.................................................. 118 vi .....................................................................................................................................................61 Establishing Action Steps ................................................................................................ 101 Progress Report ..........................95 Gathering the Tools for Success Summary.....................................................What If You’re Way Off Track?.......................................................................................................................65 Write It Down .....................................................................98 Millionaire’s Checklist: ................................................................................................69 Goal Achievement Exercise J ..............................................................................................................................................................92 Tool #5: Do or Die Trying Commitment............................................................................................................................................................................................................................................................................................................ 105 Maintaining Your Course .............................................................................72 Goal-Setting and Overcoming Obstacles Summary........................................................................... 107 O...................................................................................................................................................................................57 Millionaire’s Checklist: .......................................................................89 Tool #4: Priorities.........................59 A Quick Review ..66 Goal Achievement Exercise I .................................................................. 114 Millionaire’s Checklist: ..... 116 MacGyver It!... 103 Goal Achievement Exercise M ............................67 Nothing Can Stop Me Now…................................................................................................................ 111 Evaluating Your Progress Summary .......................................................................................................................................................................................................................................................................................................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles.........59 Step Up .......................................................83 Goal Achievement Exercise K....................................................81 Tool #1: Focus ................................ 116 Can’t Get a Job? Buy the Company! ................................................116 Overview.............71 Three Huge Obstacles.........................................................................................................................................................64 Goal Achievement Exercise H......85 Tool #3: Efficiency .....79 Lifemoney Lesson # 4: Gathering the Tools for Success.............................................................70 Goal: To pilot my own airplane ................61 Goal Achievement Exercise F ................................................................................88 Goal Achievement Exercise L .....................101 Overview.................................................................................................................................................................................................................................................... 100 Lifemoney Lesson # 5: Evaluating Your Progress ......................................81 A Successful Person’s Tool Belt ..........................................................................................................63 Goal Achievement Exercise G.................................................. 101 Don’t forget the map! ........................................................................................................84 Tool #2: Time Management .................................................................79 Millionaire’s Checklist: ..........63 Timelines ..................................................Knowing Yourself Summary ............................................... 110 Goal Achievement Exercise N.....................................................................................................................................................................................................................................60 Start by Writing a Goal......................................................59 Overview............................................................................................................................................................................................................................
.133 Overview........................................................149 Overview.................. 176 Create a Repeatable Success Thought ...Fix It ........................................................................................................................................................................................................................................................................................ Do It! ............................... 173 The Key to Success? Live Out Of Your Car................................. 125 Goal Achievement Exercise O..... 135 Goal Achievement Exercise R ..... 135 Dream It............................................................................................................................................ 194 Millionaire’s Checklist: ................. 177 Goal Achievement Exercise V............... 133 A Lesson From Trump ............ 185 Goal Achievement Exercise X............................................................................................ 151 Turk’s 12-Step Plan for Bridge Building........................................................................................................................................... 165 Lifemoney Lesson # 9: Positively Thinking ..................Best Case......................................................................................... 128 Goal Achievement Exercise P ......................................................................Keep Looking ............................................................................166 Overview..................................................................... 169 Goal Achievement Exercise T .. 189 Sacrifice Summary ................................. See It.......................................... 130 Resourcefulness Summary............. 171 Goal Achievement Exercise U........................................................................................................................ 167 Change the Mental Channel...................................................................................................... 127 Find An Expert .................................................................. Go into Debt and Max Out Your Credit Cards .... 166 The Multi-Millionaire Blues .............................................You’ll Find It ................ 175 Keep It Moving .................................................................................................................................................................................................................. 183 Sacrificing for Success ................................................................................................................................................................................... 149 Sharpen Your People Skills ..........................................................................................................................................................................................................................................................182 Overview.......................................................................... 137 Millionaire’s Checklist: ................. 131 Millionaire’s Checklist: ............................................................ 178 Positively Thinking Summary ...... 166 Where’s Your Head At? ........................................................................................................................................................................................................................................................................................... 137 Five Creativity Factors ................................................... 175 Eliminate Negative Self-Talk......... 179 Millionaire’s Checklist: ............................................................................ 147 Lifemoney Lesson # 8: 12 Steps for Power with People............................................ 170 Don’t Complain ................................................................................................ 182 Borrow....................................................................... 181 Lifemoney Lesson # 10: Sacrifice .................... 132 Lifemoney Lesson # 7: Creativity .......... 133 Goal Achievement Exercise Q................................................................................................ 164 Millionaire’s Checklist: ................................................................................................................ 122 There’s No Need To Grow Up..................................................... 184 Goal Achievement Exercise W ........................... 149 Goal Achievement Exercise S ........................................................................................................ 152 12 Steps for Power with People Summary ..................................................................................................................... 174 Worst Case ............................................................................................................................................................................................................................. 195 vii .....................................................................................
............................................................................................................................................................................. 201 The 5 Year Test ............................................................... 202 GOAL (Go Out And Live)................... 198 So what should you do to be more patient? ..................................................................................................... 196 Doing Time ......................................................................................................................................... 204 Goal Achievement Exercise Z .................................................................................................................................. 208 viii .............................. 202 Seek Happiness in Simplicity .....................196 Overview......... 201 Goal Achievement Exercise Y...................................... 196 Mañana ................................................................................................................................................ 207 Millionaire’s Checklist: ................................................... 206 Patience and Enjoying the Journey Summary..................................................................................... 200 Enjoy the Journey.......Lifemoney Lesson # 11: Be Patient and Enjoy the Journey .........................................................................................................
Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire.” -George Foreman Life comes first. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first. it’s at what income. 1 . But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how. Lifemoney will show you what you really need to live the life you want.Introduction: Millionaire by 30. new entrepreneurs perfectly – but can be adopted at any age. Lifemoney will help you understand what success really means and teach you how to attain it. Money is simply a tool to help you get what you want out of life. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. not money.
It could be $240 a week or $240. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. part financial management. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. Part self-help. If it’s career happiness you’re looking for. it’s not the job that I feel is prestigious that matters. a new home. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . it’s the job that makes you happy on a daily basis or brings you closer to your goals.400. In this book. Would you use your shoe? Would it work? Possibly. part how-to.000 in quarterly bonuses. For example. 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. 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. Imagine having the task of hammering a nail. a new job or just a raise or promotion in your current job.000 a year or $2. 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. it’s not the dollar figure I define as Lifemoney that’s important. yet most people don’t use the correct tools to get what they want. it’s the dollar figure you define.One of the most unique features of Lifemoney is that it’s entirely personal. be it a million dollars. if it’s money that you’re after.
etc. So who is Brad Turk and why am I qualified to write a book about life or money. The exercises in the book 3 . My definition of success is simple: Accomplishing what you set out to do. My schedule and time belong to me and I do what I want with my days.). Whether you are looking to be the next pop star or the perfect housewife. I have distilled those attributes. 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 am living the life that I want to live. used them for my own personal success.My Lifemoney WANT. not just financial. let alone both? I was a millionaire before the age of 30 and retired soon after.most of whom happen to be multimillionaires. This book will show you what those characteristics are. If you learn these lessons – and actually follow them – you can and will succeed. characteristics and personality traits that you will need to get you there. Instead of concentrating solely on the financial aspects of making your first million. I have been fortunate enough to learn that most successful people share a lot of the same attributes. This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life. It offers a set of tools. Through my interactions with many successful and famous people (some recording artists. along with real-life examples you can use to plot your course for success. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. there are common qualities. But more importantly. some executives. Lifemoney will give you a blueprint for success in all facets of life.
While reading Lifemoney you will become familiar with these attributes. as a result be able to adopt them to fit your needs to reach your goals and attain the success you’ve always been looking for. 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. In this book. 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. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. see what works for you and.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. 4 .
list and track your progress. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement. 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. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it.bradturk.com. 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. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. I have created a list (that I use) of affirmations that you can also download for FREE at www. Clearly. 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.com (Code: naNtZB). there is more to life than money but you just can’t live in this world without money. These proven tools are specifically designed to help you plot. The higher your score – the higher your Lifemoney skill level. Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs. 5 . Everyone needs some kind of stimulation and/or support to keep their spirits alive.bradturk.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. Repeat these affirmations to yourself when you need a quick boost. What’s the answer? Lifemoney.
actor. salesman. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself. entertainment field and having a 6 . I achieved personal and financial success through various ventures in the telecommunications industry.Lifemoney My Lifemoney “It’s never too early…to make your first million. If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. Through experiences as diverse as being a break dancer. rich and retired. I’ve found the American dream and retired early.” -Brad Turk Overview I want to take just a few pages to introduce myself. Over the course of my very short professional life I’ve achieved the American dream: I’m young. business owner and entrepreneur.
teach them how to fish and they eat for the rest of their lives. 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 did not strike it rich in the dot. 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. These lessons can be learned by anyone. That’s what Lifemoney is all about. Instead. Consider these lessons to be the fishing rod.com arena or hit the lottery.My Lifemoney retail tanning salon. Think of the old story about giving someone a fish or teaching them how to fish. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. It’s not that hard really. adapting the rules of success to your personal situation. You’ll never need to go hungry again. All the successful people I discuss throughout this book including Warren Buffett. Not all of these successes share the exact same 7 . whether it was through direct interaction with a mentor or learning from other sources. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. Give someone a fish and they eat for a day. Diddy and even myself have been “taught how to fish” at some point in their lives. and if you’re willing to be my student for just a short time I can show you how. 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. boat and everything you’ll need for a life of accomplishment and success. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success.
By the time I was in fifth grade. new friends and. my mom and I had moved to Forest Hills. rapping and acting. new opportunities. best of all. 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. though. and she was a tremendous teacher. 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. In addition. When I got to junior high. She kept right on plugging away with her 3 jobs. I learned these lessons by reading books of successful people and from my peers. There were new surroundings. and by the way. That’s where I first learned about work ethic. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. Mom didn’t let it stop her. It was a much nicer neighborhood. I got heavily into break dancing. but they usually have a lot of similarities. new neighbors. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . New York. My Early Years I began life in the Pomonok public housing projects in Flushing. New York. The move brought my working mother closer to her jobs and me closer to seeing what life could be like on the other side of the tracks. (Oh. I won’t be insulted. You can always come back to me later). if you don’t care about me and want to jump right into Lifemoney Lesson #1 and see what YOU need to do to be successful. and no money.Lifemoney attributes.
This is when I first began to learn about the value of persistence. dealing with people. not easy. as well as how to contact them. Since my working mom didn’t get home until late I would go alone by train. Actually. I decided not to sit around and wait for something to happen. Frustrated by the lack of response. To follow my dream I had to overcome several obstacles. the only way to contact agents was to send query letters with photos and resumes.My Lifemoney industry. and thinking outside the box. I sent the package out to the same agents two times but didn’t get one response either time. I’ve always been a hustler.” The do-not-call rule was strongly enforced. a renowned child talent group. The first agency I visited was Schuller Talent. For starters. But the first rule of success I learned was to work around your obstacles. In fact. which listed talent agents. Finding an agent to represent my efforts was. I followed directions exactly and sent my headshot along with a resume to one hundred agents. and I began going into the city (New York) for auditions to try breaking into the business. 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. not succumb to them. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. I bought a reference book called The Ross Report. a huge child actor of the time 9 . as you can imagine. Persistence Pays Off To make it in the acting field you need an agent. Most emphasized the boldface message “not to be called or visited.
This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. I barely 10 . I didn’t do very well in high school. I continued my conversation with the secretary.Lifemoney and Danny Pintauro. As a result. I might not be where I am today. But taking the initiative. I thought that she was listening to what was going on. Had I continued to wait for calls that never came. I turned to leave. From the corner of my eye I noticed a woman standing in the doorway. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. and found the success I was seeking. and signed with Schuller for representation. who was extremely nice and reassured me she would get my packet into the right hands. I often skipped classes. going out near the door where the other woman had been listening. the child actor from television’s Who’s the Boss? Walking through the agency’s door I met a pleasant secretary and introduced myself. After thanking the secretary. Not surprisingly. I set out to get answers to my questions. auditioned.” the agent in charge of the group that I wanted to join. Hanging out with my friends and social activities seemed more important. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. Looking for Motivation Unfortunately. and when I did show up I didn’t pay much attention. I told her I just wanted to make sure it got into the correct person’s hands. She followed me out and introduced herself as “Davina. I returned the following week. She must have seen something about me she liked – I think it must have been my persistence – and she asked me to come back and audition for her.
I was looking to make a lot of money and enjoy nice things. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted.92. Knowing Myself In time I would become a very successful entrepreneur. With this pressure from my parents. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. I 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. Although you can make a good income from acting. I realized that my next job was staying in. they explained. If I was going to “screw up” like I did in high school. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. they didn’t want to pay for it. 11 . I applied for a double major in business and theater and. I decided I didn’t want to end up stuck with no way out. I learned early on that being a struggling actor was not for me. But he and my mother told me that they would only support me if I did well the first semester. It was a great lesson: Not all of success is flashy and easy. After getting in. Through hard work. My father had resurfaced in my life to pay for college. I earned a 3.88 grade point that term. and was eventually inducted into the Phi Eta Sigma national honor society. using my acting resume. I had a hard time getting into college. the odds are severely stacked against huge financial success. The only thing to be decided was how I would get where I wanted to go. I changed my habits and learned how to be a student. For these reasons. I got accepted.My Lifemoney made it through. And.
” I bought his lunch that day. I wanted more of a sure thing than acting. as with acting. It was a real education. for lunch one day. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. When it came to making money. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. So I took a different route and it has paid off for me. I asked him if he was going to order anything else. As with my junior high acting days. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. 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. For him. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. “It’s cheap and it fills me up. the sacrifice has paid off. I could see the moment in that restaurant as a turning point. That could have happened for me but I knew in my heart it wasn’t MY reality. But. But before I fully ventured into business.Lifemoney I remember meeting a good friend of mine. Today he’s a successful actor who can go anywhere and order anything he wants. I still had some entertaining left in my system. When he only ordered soup. But his limited income made it clear to me that this was something I did not want to do. I spent the last years of high school and beginning years of college working toward that goal. I knew myself and knew movie stardom wasn’t the right route at that time. the music industry does not often accept unsolicited 12 . Looking back. a struggling actor. I sent out many demos to try and get people interested. He answered.
Learning About Business In addition to finding some measure of success in the entertainment side of music. Although no longer in existence they were one of the premiere labels at the time. let alone were successful at it. This is exactly how you build Lifemoney. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. I sent in my tape.7 Kiss FM in New York. Although I didn’t win the contest. I kept working toward my goal of becoming a rap artist and trying to learn the business. I entered the Pepsi Rap Up the Summer Contest.My Lifemoney material. This was pre-Eminem and not too many white people even listened to rap. I was chosen as a semi-finalist out of 500 entrants. In fact. even when you’re going against the grain. In 1991. I got a job as an intern (for no pay) working for PolyGram Records. I also tried to learn the business side of the industry. even for free. I knew 13 . A key lesson I learned was that if you want to understand an industry. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. co-sponsored by 98. In this world you have to take opportunity where it comes if it will help you achieve your goals. My goal was to get noticed and possibly get someone interested in working with me. you need to work in it. a lawsuit can result. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. If the artist believes a later recording is similar to his or her music. It was validation that hard work could pay off. I recognized the value of this attribute and stored it away for later.
For example. learn it from the ground up. If you want to work in politics.and the men and women behind the talent the producers. “I just want to get my foot in the door. I figured if I sent a package. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . mixers. a recording label. picked me up and got me signed to BMG for distribution. both the stars . feel free to import ideas from wherever you can find them. It paid off. my targets would be curious enough to open it rather than throwing it away. and access is one of them. The following year I released “That’s Evil Man” on ZOO Entertainment. For example my rap name was “Sneak. agents and managers. It worked. You might find it’s not what you expected it to be. If you want to learn a business. Door after door was being closed to me. And always be resourceful. no one was listening to my demos and I knew to get to the powers that be I would have to get through to someone. The access I got taught me lessons I could have never learned anywhere else.” I once sent a sneaker in a box to a record label with the note. It’s important to understand what you are getting into before you are knee deep. But it’s all valuable. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. BMG. Basement Records.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. if you want to someday own a bar you should work at a few for a while to learn the business. There are more important things than money in this world. volunteer for a campaign or move to DC.the talent . It was one of my earliest stabs at being resourceful. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again.” along with my demo tape.
While I enjoyed working in the music industry. 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. actualizing my goals and watching them come to life. It is a difficult business to really make money. The music business seems glamorous. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. for more reasons than just getting airplay. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences. PolyGram Records. Eventually it went to number 27. You see – I already understood that making money was a priority for me – an important goal. I was finally seeing a dream come true. In 1994. It didn’t stop there. I needed the sense of security that comes with a regular income and the knowledge that I would be able to pay the bills and live a comfortable lifestyle. which I did.” Next Plateau. but in reality there are very few people that make it big – and make the big money. But like 15 . full of rich stars and power players. It was an exciting time. I was concerned that I might not make the money I was looking to make – and I thought I might be able to make it easier somewhere else. But the truth is making money is hit or miss and is more often just smoke and mirrors.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. I decided since making money was a priority that it would be easier to make money in another industry and that I could always return to the music world later. That’s a hard truth to see from the outside. Money provides those things. 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.
After leaving college. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. I took over a job for a friend as an office manager for a life insurance company. I saw that real estate was more suited to my personal goals at the time. I decided to 16 . 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. but it was apparent that I was a tremendous asset. I figured if I spent more time on my part-time real estate job. and could not fully understand or relate to getting life insurance for protection for other family members. I did not find that product to be a perfect fit for me or my personality. 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 understood the insurance office management job completely. I did not have a wife or family. I decided to make business decisions that would bring me closer to where I wanted to be. Also. the branch focused on selling long-term care and retirement planning. Unfortunately. I could make even more money. I was interested in sales. I decided to take my hustling a step further. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. so I pursued this opportunity. The branch owner wanted to train me to sell life insurance. In addition. How did I do that? I started selling real estate at night. Not to sound conceited. For one thing. Becoming successful. And guess what? I started making more money working part-time than at my day job.Lifemoney most young people I didn’t understand what was going on. I went so far as to get licensed to sell life insurance.
I began to learn about the importance of defining success for myself. at the same pay. He reluctantly agreed on a test basis. I also promised him that the quality of the work would not change.My Lifemoney leverage all that.” It was a risk to leave the security of a full-time job. For example. and there was a lot more to learn. Best of all. and I went from initially working five days a week to just one day per week. This would permit me to have two more days to sell real estate. I was putting those early Lifemoney skills into play and getting the same amount of work done in three days as I had done before in five. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly. the one you’re probably most interested in. I was doing well enough and was confident enough in real estate to do it full-time and get rid of my “day job. But my education was just beginning. You never know if someone will say yes or no to a question until you ask the question. When I went to my boss to resign. I didn’t know it at the time but I was to go through many more experiences that taught me how to build and run successful businesses and be happy at the same time. You never know what people are willing to do – or what you can accomplish – until you try. instead of just quitting I told him I could do the work in one day that I had been doing in three. making my own way and even started knowing myself and where my real talents and desires 17 . my gamble worked! Eventually. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life. I made sure I did everything efficiently and wasted no time at all. I guess the company trusted me enough to give it a shot.
I became one of the top salespeople in the nation.086. Global Business Solutions. they bought it from someone else and still sold it as theirs. evaluating my progress. Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money. By my second year. Especially patience! It was a lot for a young person like me to absorb. It was basically a mini-version of one of the larger telecom corporations. resourcefulness and creativity. At MCI. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. dealing with people – especially difficult people. I was already bringing in a six-figure salary and at the end of my third year there I earned $387. Rather using the attributes I list for you in this book I became successful in project after project and business after business. 18 . but the skills that were created in me were worth more than cash. 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. like actual cash.07. sacrifice and patience. Inc. But I still had to learn about setting goals. I used them to create many business successes. and I didn’t hit it big with the lottery. I’d learned that when the big companies couldn’t supply a product. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS).Lifemoney were. I was not an overnight success story. 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.
Sometimes you go searching for new opportunities and other times opportunities find you. allowing me to sell anything the big boys sold – and better – because I was smaller. and seeing niches before everyone else. Heat Wave Tanning. the customers would want you to do everything for them. it’s harder to tell which came first. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. One of these areas was in the pre-paid calling card business. I let the customers guide my business. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. I saw what the needs were and I fulfilled them. lower to the ground and closer to the customer’s ear. remain loyal and protect them as much as possible. Inc. I understood that customers loved a one-stop shop. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. and to always be so reliable that I would always be the “go to” guy in the future.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. When you’re always on the lookout for something new. I eventually contracted with many providers. 19 . you or the opportunity.
I told myself: it stretches us. The tanning business was a big change for me. grows us. It is definitely a great business that I would highly recommend. It was exciting. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. Better yet the business seemed as if it could run itself. I researched the business and found out that it was a very low maintenance business and pretty profitable. Besides. I could manage most of it via remote control. The tanning business though was more hands-on. and Heat Wave Tanning was really a great business and a great opportunity in my life. Change is good. But I felt I was ready for that. and managing customer issues just didn’t do it for me. managing ten employees. 20 . which was a huge plus for me. So I kept the business for two years. building the place from scratch. That is true. It was like having a puppy at home: you never felt comfortable being far away for very long. I decided to open my own tanning salon. A telecom business like GBS was more “virtual” than brick and mortar.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. But I was discovering that retail businesses require a lot of time and attention. and might one day do again. and I decided that I didn’t want that kind of responsibility. It turns out that people just were going in there to catch a tan. This was a different venture from my previous forays in the world of small business. and prepares us for the future. I saw a line outside of the place and was wondering what they were giving away. After more research (and imagining that operating that type of business would be fun). maintaining equipment. made my money and then I sold it.
I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. For Self Made Records. I am now in the process of coding and developing mymusicsite. I am sometimes surprised by all that I have accomplished in such a short time. And I love it! Why? Because I’m sailing my own ship with no boss. but on my terms. 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. I have been launching companies left and right. set to launch in the fourth quarter.com are both my hobby and business. looking to blend business with pleasure. That makes me happier than I can possibly describe to you. with little to no risk and helping others all at the same time. / MyMusicSite. Now I was a successful entrepreneur. I will make independent artist’s music easily available to their fans. Inc. And what’s best is that I can afford to be patient. 2007. But I can afford to do this because I love it. in reality I’m busier than ever.My Lifemoney Self Made Records.com Sometimes success comes full circle. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. although I brag about being retired.com. It was a lot of work but it has been gratifying beyond words. I signed some artists to my label and I am currently marketing and promoting them. Inc. Later I was a college graduate looking to intern for a major hip-hop record label. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. In 2007. I am doing what I love. Inc. friends and family while providing a marketing platform for them to make their dreams come true. and My Music Site. no limits and 21 . Self Made Records.
In addition to that business. and snack items. and business services.tellbrad.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. Meeting ExpressO will provide full access to conference rooms which include internet. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. friends and family.com). phone.com (www. 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. 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.meetingexpresso.mymusicsite. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee. I will 22 . In addition. I am also in development on another site called MyMusicSite. The business is called Meeting ExpressO (www. In addition to being its creator. break dancing on street corners and hustling for business opportunities. I just launched TellBrad. We will make independent artist’s music easily available to their fans.com (www. satellite television. I will be selling and promoting online music downloads and cell phone ringtones for independent artists.com). I am also providing a marketing platform for these artists who want to make their dreams come true. Lastly. specialty beverages. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”.com) and is a retail conference location /coffee shop.
Lifemoney Currency “When life hands you lemons… make lemonade. That’s why I’ve written this book. I have found the common denominator for success. Now. invest your profits and. adapt the principles described in each of the upcoming lessons.)” -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. Learn who you are and what you want. And go for it! No excuses. Stayed tuned and look for my name in the credits! …You Can Do It. go by some oranges! (Orange juice outsells lemonade by 10 to 1. Keep score of your successes and failures. Lifemoney provides you with the tools you’ll need to reach your own unique potential. Work on the activities. when they mature. Too! I began this lesson by declaring “If I can do it…” without finishing the statement. I’ll tell you how you can do it too! While my story is different from yours and from that of other people.My Lifemoney also receive co executive credit and be involved with development of the project. sell it on the corner. Instead of sitting around thinking about what you want.
Success is never a game of chance and begins with clearly deciding what you are going to make happen. has never cracked the seven figure mark and.and though totally different from one another they illustrate what I mean by defining your own success. These are the stories of two friends of mine – John and Steve .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. John. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. is in no danger of cracking it anytime soon. Still. In this lesson I want to show you the importance of deciding for yourself what success means to you. as far as I know. two very different types of success stories. My first friend. some might consider him rich 24 . pure and simple.
several sports cars and a very 25 . he found his own success and it works for him. knows what success means to him. just as important. It didn’t bother him what everyone was saying about him. he just took it as a joke. he also said he was happy with his job. he is successful. He is truly happy with how his life turned out.push your idea of success on anyone.Defining Success beyond compare because he knows himself and. He has a beautiful boat. All of my other friends make fun of him. Steve. who on the surface would probably look extremely successful to outsiders looking in. He made enough money to live on his own if he wanted to. They think that he is not responsible. John’s parents also enjoyed him being there. 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. To me. I have another friend. From a professional perspective. who is over 30 years old.and shouldn’t . He needs nothing else to fulfill his dreams. Most days he didn’t have to go into work early and he got to sleep late. Then one day we were talking and John really opened my mind to something. has no ambition and is going nowhere. John. lives with his parents. He told me that every night that he goes to bed. You can’t . And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. John told me that he was really happy with his life. he helped them out a lot and felt that his support was needed around the house. While talking about the future. He did it his way. I have to confess that I kind of agreed with them. He told me he was still living with his parents because he liked living with them. he has a big smile on his face.
you have completed Lifemoney Lesson # 1. not from without.Lifemoney nice house. My definition of success comes from within. He also has to work harder than anyone I know. Being that I know this friend well. 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. Before the weekend came. Once you define what you want and know what will make you happy. Does this sound like success to you? It might. He is actually so far in debt that he does not really own anything he has. just so he can try to keep up with payments so that he does not default on anything. I remember one weekend he invited me to go to the track with him to “play” with his cars. Most everything is owned by the bank and it seems every time I talk to him. Have you decided what your mark is? 26 . The truth is that Steve lives way beyond his means. I also know more details about his life than someone seeing him jet by on the track or some of his “not as close friends” spending a weekend with him on his boat. This is success for him. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. These men are both successes. Why? Because they both hit their mark. he is in a world of hurt. He is always making maneuvers to try and maintain his possessions. he canceled the invite because he was actually selling one of the cars. Some people thrive in that kind of stressful environment. Steve thrives on the adrenaline of living on the edge. He is always stressed and always in fear of losing something.
Why do they do this? They bounce around because they’re not prepared to 27 . They start up home improvement projects and don’t finish. most successful people (whether consciously or not) have a system. Success means different things to different people. Success takes personal planning and some work. They subscribe to magazines they never read. When you define success for yourself. 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. With the exception of my friend John who I just mentioned. we all want more out of life. There’s simply no future in succeeding for anyone other than you. we are on a journey without a map. We have no control over our path and our lives can become haphazard. Like fingerprints. It becomes yours. Although some people get lucky in attaining success. If we don’t define success for ourselves. fad to fad not really knowing what they want and drifting with the flow. No matter your net worth or social standing we want to do more. most people are still on their quest for success. strategy or plan they stick to in order to reach their ultimate goals. trend to trend. What works for some doesn’t work for others and what works for me might not work for you. I think this is important because I see so many people who spend their lives wandering. They buy gym memberships and never use it. you’ve taken the first step to taking your life back. But becoming – and staying – successful can be tricky. our definition of success will be individual and unique.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. When you define success and what it really means to YOU. you own it. They go from idea to idea. For the most part. get more and be more.
Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily. and those are the only things I really care about it. “The first principle of success is desire – knowing what you want. As Robert Collier. you will be fully able to reap all the benefits that await you. 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.” Plant your own personal seed for success and watch it grow. You should live your own life and live up to your own expectations. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations.Lifemoney take full action. See beyond money and its trappings. for you. look past that next job promotion or future company you plan to build.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. author of Riches Within Your Reach: The Law of the Higher Potential once wrote. What is it you really want? What. They live undefined lives. Desire is the planting of your seed.
He is doing what makes him happy. With all of Buffet’s billions he has always led a simple life.” It works for the second richest man in the world. 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. billionaire Warren Buffet. She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams. yacht or even a boat. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. He has lived in the same house that he purchased for $31.Defining Success “All I want is to have people around who love me.500 over 48 years ago. She’s successful! 29 . This is a man who could do anything and have anything and is content to sit home and watch a ball game. Let’s take. for example. but successful people have taken the time to really think about their definition of success. a 22-year-old student who has just received her acceptance letter into the medical school of her choice. She sacrificed many nights of going out with her friends and having fun in order to spend more time studying. She has spent her whole life making sure her grades were in order to some day get into a good medical school. What would make you happy? We all define success differently. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). He does not really have any extravagant items like a fancy race car.
Then there is the couple that. Living off just the husband’s income has not been easy. Although he and his wife share a modest home. 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 . Each of these people has achieved success. along with nutritional meals and emotional support. agreed the wife should give up her job when the children came along to provide a stable home life for all. have resulted in two stable children with above-average grades and well-adjusted social skills. While his finishing time does not win any medals. upon marrying. they have been able to stash enough away to enjoy an early retirement and see the world. That man is a happier husband. Months of preparation and training pay off for this guy’s single-minded determination. The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. I call that success on their terms. his self-esteem and confidence increase beyond measure. father. He’s been a total success. and employee – or future CEO – because of this personal accomplishment. they have not missed out on anything they’ve wanted. While avoiding expenses like costly entertainment or expensive vacations. Sounds like success to me. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community.Lifemoney A 39-year-old business executive runs his first marathon. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off.
As you see in this example. in Lifemoney Lesson #2. 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. it is possible to be a successful lawyer without feeling like a successful person. love what you do. So let’s figure out how you define success.Jeff Mallett 31 . you’ll be finding out why it is so important to Know Yourself.” . what they all really want is personal happiness. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. So once you have an understanding of what will truly make you happy. It is how you view your situation that makes all the difference. you can begin to set goals on the road to success. It really isn’t what you have or who you are that makes you happy or unhappy. I believe the common denominator in true success is happiness. you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. While it’s a good idea to talk to your family and others who may be impacted (say. Even though everyone usually has a different idea of what success means to them. Over time. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. but you don’t really want to. Lifemoney Currency “Do what you love. leave the world a better place. If your parents are pushing you to become a lawyer. That’s why it is important to understand your priorities clearly. you might become bitter or resentful. That’s why.Defining Success WHOSE Dream Is It.
32 . It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. in your opinion. You can use a three-ring binder.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.com. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. open a document on your computer. skills. Then start writing about your views on success. read over your ideas. or download a copy of the Workbook with all the exercises from my website – www. so make it handy and easy to access. 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.bradturk. etc. but more importantly. Once you have this in place. time. the hallmarks of success—money. I am going to ask you to open this document on a regular basis throughout this book. asking yourself questions like these. set a timer for five minutes. Explain. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. and edit if necessary to make them readable and clear.
Everybody had their hand out. Completing this exercise brings up a point I think worth exploring. It was totally a nightmare. after declaring bankruptcy. they’ll tell you: • Evelyn Adams. It’s amazing how some people perceive money as the answer to all their problems. William “Bud” Post won $16. “Everybody wanted my money. too. She lives in a trailer and recounts that.” Her hand was out. at gambling venues. won the New Jersey lottery twice. What does she have to show for it now? Zippo.2 million in the Pennsylvania lottery. • In 1988. Having come from a “no money” background. Her total take was $5. Money in itself does not equal success.” These beliefs about money are all wrong. in 1985 and 1986. Says the man who.4 million. Ask the following people. you might find you are still unhappy. something of a statistical freak. If you were handed everything you wanted without working for it. I’d be so happy” or “Everything in my life could be fixed with some cash. I know many people with little or no money. “If I only had money. We all do. Not Cash) Congratulations! You’ve taken a huge step. now lives on Social Security and food stamps: “I wish it never happened. Welcome aboard a new life. But you just did. Most people just never make the move to define what they want and where they’re going.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement.” 33 .
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.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993. That’s why Lifemoney is an internal feeling. She shared her wealth with many charitable organizations. It seems to be a rule of life that if you have good things handed to you . And accomplishing your dreams – your success on your own is very important. Here are several keys to keep in mind: 34 . I know you’re probably saying “Yeaaa. not a financial figure. To enjoy success you need to earn it. You Are in Control Success belongs to those who are clear about what it means to them.you miss the excitement. Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future.the fruits of someone else’s labors . she had filed for bankruptcy and had just $700 in the bank. Goals are not just about achievement. and the ultimate triumph of accomplishing a mission. that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily. it’s that amazing feeling you get after finishing a job well done. and without effort are not actually participating in the creation of their own personal happiness. the challenge. That is true success – at least by my definition. they’re about satisfaction. but before a decade had passed. There is no amount of money in the world that can recreate that feeling of accomplishment.
Chart a course for paradise. And remember that it’s important to enjoy this journey so keep an eye on the finish line. it resides in you. Success is not a game of chance. and that might not have been easy. you willingly give your power away. Publisher’s Clearing House might stop by your house with that big check and. but they do not own your ideas or lay claim to your dreams. even if the voyage looks choppy. until the value of moving is higher than the cost of those inevitable obstacles. Don’t put your trust in success just showing up. The power to change is your own. Now all you have to do is take another step. You’ve already taken the first step. Others have influence over you and affect you. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. Most likely it will be bumpy. sure. together – because you made a conscious choice to pick up a book called Lifemoney. but don’t forget to enjoy the sites along the way. Anything worth doing is worth doing well. or it could take decades. that would be incredible. and another. 35 . When you lay blame or make excuses. You are here – we are here. It may take months. Stop looking outside yourself or to others to explain your failures. but your dreams are out there.Defining Success 1. 3. it’s also worth doing despite the odds of failure and cost of success. 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. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. waiting for you to come and claim them.
you’ll always regret not doing it for yourself. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. your old friends from school. Success must happen YOUR way. That’s totally normal. If you let others define success for you.” -Steve Jobs 36 . success must mean something to you if you are ever to truly achieve it. Lifemoney Lesson #2. Whoever you’re trying to keep up with – the Joneses. It will become clearer the more you focus and keep your mind open. All right. If you do it for the money. there will always be a nagging feeling that something is missing. If you do it out of ego or pride or greed. Let’s go there right now. Lifemoney Currency “Your time is limited. trust me. so don’t waste it living someone else’s life.Lifemoney Why be satisfied with a simple living when you can build a great life? Defining Success Summary Of all the Lifemoney Lessons I’ve lived – and learned – this was the first: you have to arrive at your own definition of success if you ever hope to enjoy success on your own terms. on YOUR terms for YOU to be truly happy. your neighbors – forget it. something WILL be missing. Don’t feel bad at all if you’re still a little unclear about what success should mean for you.
I will decide for myself what occupation excites me. I will define success for myself. I am in control. I will always seek to lead my own life. I hope they enjoy it because you probably won’t. _____ 10. I am seeking my own personal growth and happiness. I will look beyond money to find happiness. _____ 2. _____ 7. _____ 6.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. The expectations that matter most are mine. _____ 4. I spend time learning what it will take to be successful in what I love. Lifemoney Currency “If you live for someone else. _____ 8. _____ 5. and then tally your score. I am winning life’s lottery.” -Brad Turk 37 . _____ 9. 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. _____ 3.
In Lifemoney Lesson # 2. In my mind. I expect to make great plays. but it always starts with YOU. 38 . you will build on the first lesson of this book. great moves. “Defining Success.” by exploring who you were to determine who you are and clarify who you want to become.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success. I can never be good enough…It just comes with the territory of knowing yourself and making the most of what God has given you. It’s a journey that may veer off in a thousand different directions before finally coming to fruition.
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. This is valuable advice for many of us. Before you know where you’re going. or a musical genius. or two-time divorcee. a basketball pro. unemployed worker. right? You might be a wife or husband. Who are you? Who are you? That probably depends on who you ask. a company executive. a student.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. but not without a period of introspection first. one of baseball’s legendary home run hitters. father. 39 . 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. son. Maybe you’re carrying around a little extra baggage as a high school dropout. because he knew he had the ability to be a GREAT batter. He stuck with the decision. He took a lot of heat for his decision because he was a GOOD pitcher. not a popularity contest. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. they don’t define you. lawyer. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. 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. someone’s parent. a computer whiz. you need to know who you are. banker – merely describe you. How many of us hover around the comfort zone of what we’re good at. But all of these titles – husband. a son or daughter.
start here. let me help you rediscover that person again. you find that those dreams never materialized. Life has a way of sidetracking us from our goals to deal with day to day living. when you take a moment to catch your breath and see where you are. Instead. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. have kids. Whoever you are. When was the last time you asked yourself this question? What was your answer back then? Has it changed? Many of us live such fast-paced lives that we seldom take time to reflect on the distance we’ve traveled from the starting point many years ago. you got sidetracked into making a living and getting by. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. but ready to gear up for the adventure that lies ahead. whatever you’ve done. you can still find the path to your personal success if you’re willing to look for it. the goals appear too distant to reach anymore. 40 . Maybe he or she is a little older. and hopefully a little wiser. and live happily ever after. looking back. If you are just starting off on your voyage to success and don’t know where to begin. day to day. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. instead of building the future you always wanted and. Then. more importantly. and maybe not even worth the effort after all. knew you were capable of attaining.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. wherever you’ve been. Or maybe you were hoping to get married. But now.
What is success if you don’t know who you are inside. literally. not the Joneses. but he was slowly driving himself insane. the time I spend with family and friends. restructured his organization. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. successful. Why? Because he was finally keeping up with himself.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. 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. He was a very successful physician with five private sports clinics. In his case. If you don’t know what will make you happy. Lifemoney Currency “I’m starting to judge success by the time I have for myself. or someone else was going to wind up dead!) He drove straight to his accountant’s office. or maybe just busy work. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. His patients and his workers loved him and he was loaded. My priorities aren’t amending. how can you ever hope to achieve. This nice. they’re shifting. (Either that.” -Brendan Fraser 41 . It is not. less really was more. and over the next year phased out four of his five clinics. Twelve months later he was happier than ever.
or personal achievements. certificates. “I made a wise career move by getting a better job. these might include honors.” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. recognition. define a recent accomplishment by personal attributes: 1.” 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. reflect on the things that worked in your favor.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. • • • • • “I earned a college degree. For example. now you can see how you managed to win that particular prize. list your personality or character strengths. and/or specific steps you took while completing these accomplishments. Even if you didn’t consciously use these qualities back then. Make a list of your top four or five achievements. Under each.
You may even recognize the type of goals that attract you. some may be more physically oriented. while others could relate more to mental functions. Look for patterns forming. like academic work.” “thorough. Some people excel at social endeavors like arranging parties or special events. you will get a better idea of who you really are down deep. you: • • • • • Dated selectively Looked in the right places Studied my partner’s character before getting serious Worked on my weaknesses Got pre-marital counseling “I found an amazing partner and have a stable marriage. 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. As you think about the things you’ve done that you have enjoyed and made you feel good.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. like sports competitions. Let’s say for instance that when comparing the events above words like “organization. 43 . You’ll begin to see how that person might emerge in the next stage of life. and so on.Knowing Yourself 3.” and “selective” came up in one form or another with each of the three achievements.
Or you may be the employee that handles confidential matters at your company because the boss trusts you most. Write down the characteristics that you’ve often heard people mention to or about you. Aiming your thinking correctly requires more Workbook exercises at the start. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. You’ve just done an assessment of the qualities you see in yourself and that you find positive. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors. So take this time to remember or remind yourself of what you want out of life. not in a religious way. I would like you to make a list of the qualities others have noticed in you. If you do. You could be someone who inspires others when they go through hard times.” 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. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. And maybe your list reveals a part of you that loves physical activities and accomplishments. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages. enthusiasm. but in the renewal of spirit. Your list could look something like this: 44 . you are on your way to getting there. That means laying the mental framework now for the physical action you will be taking later.Lifemoney The world is full of born-again success stories. Maybe your mom has always said you are hard working. passion and effort. which shows up in words like “endurance” and “commitment” and “perseverance.
Regardless of how you look at it. This makes it that much easier to achieve your goals. but I don’t think you can do well unless you’re having fun. You need to keep this in mind as you plan your goals and how you will reach them. Now you have an even better idea of how to play to your strengths as you set up goals for the future. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. you’ll probably find that you are drawn to things you think are fun. Lifemoney Currency “You gotta have fun.” -Derek Jeter 45 . Since most of us do a better job with activities we enjoy. It’s business. Things that are fun for us are those that match with the ability to use these character traits. It’s our job. we’re playing a game.Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first.
You do. Maybe you have a lazy streak (sometimes I do). you can get into some real trouble. Everyone has flaws! But successful people understand the value of admitting to a weakness. My mom’s cat died and I had to bury it. The machinery isn’t working right. “I don’t have any major flaws. I have a saying: denial does not change reality. But all the while. It’s part of being human. and then do a half-hearted job when you get around to them. I got the materials (or information) late. But if you don’t admit to those limitations. working around it or improving it. right? I do. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . Everyone has weaknesses.” you’re finished. 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. and moving on. you will never be able to deal with the issues that are holding you back from success.Lifemoney What Are Your Limitations? Let’s be honest. I didn’t know what I was supposed to do. You put things off.
like shyness or arrogance. For instance.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. Now write down a few of your weak areas. You also can add things about your character that could benefit from improvement. These could include personality drawbacks. you can have the best intentions in the world when interviewing for a new job. Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait. write a brief description of an incident where this particular quality had a negative impact: • • • Overbearing—offended a good friend of mine Sloppy—embarrassed my girlfriend at her company picnic Late—arrived late for an interview and didn’t get the job As you begin to link certain behaviors to unwanted outcomes. what good is all that positive self-talk? 47 . like being able to say “no” when you don’t want to do something. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. But if you’re late to the interview. even deciding how to invest the extra money you’ll be making. or not taking shortcuts on a project.
the minute you start passing the buck. so take action. And action means work. and Russell Simmons didn’t earn their millions by making excuses. Eat breakfast on the way and tie your tie in the parking lot. for their strengths 3. Of course. There are so many things you can do. get rid of it. it’s easy to throw in yet another excuse about finding the time to make these changes. they blame themselves 4. Always assume personal accountability. Derek Jeter. But remember that people like Donald Trump. for their inactions. 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. Don’t blame the weather for being late. Knowledge. especially self knowledge. they: 1. 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. Don’t blame the product for being inferior. they blame themselves 5.Lifemoney Successful people don’t write off damaging personal traits as “oh well. that’s just me being me.” Instead. for their actions. 48 . Take stock of their weaknesses and work hard to improve them 2. They did what it took to climb the mountain of their success. is useless if you don’t act upon it. and their efforts paid off. for their triumphs. don’t write it off as a cute character flaw. they blame themselves In other words. Bill Gates. for their weaknesses. Don’t blame the economy for low profits. for their failures.
What matters is that you freely explore any path you wish until you find the one you are destined to travel. they viewed the results as useful information.com. if you like words and books choose a different road to your success such as writing or communications. Or it didn’t last.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. Maybe you’ll take a route that no one in your family or neighborhood has tried before. On the other hand. For example. then do the work it takes to eliminate weaknesses and build on your strengths. Maybe you’ve already tried success “your way. If you’re good with numbers. you can find a path—or blaze a trail—that will lead to your personal happiness. Though it was a full blown failure. one of the most successful photo search engines on the web. Then be fearless about taking it. Whatever your interests and skills. the lessons learned provided the originators with priceless information which allowed them to create Like. Does it mean you’re a failure for life? Of course not! It just means that you can learn from past mistakes to create a successful future. Using mistakes as useful information is the way many large companies are innovating.” but it didn’t work. So rather than dubbing the whole project a failure. They decided to view “failures” as information sources for building new things. Many people have failed at that. then choose something that includes some type of numbers work like accounting or investments. Another example was a short lived photo search engine called Riya. They treat everything they try as an experiment. 49 . But within weeks they discovered that their great inventions were totally useless. Google created an early version of Google toolbar with all kinds of great features. Or then again you might end up on the exact same path your grandfather took a century ago.
an Internet operation. France. I’ve lost almost 300 games.” Just think of that for a second.” -Michael Jordan Buy Stock in Yourself Do you think successful people are born knowing themselves? Or maybe they had money to make money? Neither one is true.S. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. And that is why I succeed. I’ve been trusted to take the game’s winning shot and missed. a film studio. and they don’t let lack of money or support stop them. As Walt himself recalls. “It all started with a mouse. Disney founded a $20-billion media conglomerate that includes a TV network. Morgan was to finance. Walter Elias Disney. Disney was to fantasy what J.. Twenty-six times. It’s easy 50 . and Japan. Starting with a little mouse. and a worldwide store chain. Consider one the top 50 business influencers of the 20th century. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. I’ve failed over and over and over again in my life. a publishing house.P. Theme parks with the Disney name are located in the U. But they know enough about themselves to know what makes them passionate and hungry. Many successes start right where you are: not knowing themselves very well and beyond broke.
Stay centered on who you are and the goals you want to achieve. So let me ask you again. 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. Goal Achievement Exercise E Take out your Workbook. never tell yourself that you can’t do something because it’s never been done before. list the qualities that you think you would need to achieve them. failure and distraction along the way. finding a life partner. such as getting in great physical shape. or building financial security. as well as any new talents you may choose to develop along the way. Through rejection and derision. This is done for two reasons. The reason for this exercise is to begin the process matching your abilities to some of the things you want. Walt Disney held firm to what he knew. Two. One. Now. Remind yourself of the unique skills you bring to the process. But more importantly. it will help you understand if you are looking for success in the wrong places by objectively 51 . but what if it’s never been done before? That’s the dilemma Walt faced. never let the world tell you that you can’t do something just because it’s never been done before. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish.Knowing Yourself to imagine success when it’s already been done before. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about. Under each thought you write. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. landing your dream job. He stuck to his singular vision of himself and is now revered as nothing short of a genius.
and comparing those qualities with what you deeply desire to develop within yourself. screaming fans. Know yourself and double check your motivations for success. making a million dollars doesn’t necessarily mean you will be happy. Why? Turns out he had Lifemoney Lesson # 2. you must understand why you feel a million dollars will equate to happiness.Lifemoney highlighting what’s required for success. the Hollywood Dream – and he left it all behind to risk his life and fight fires. be careful what you wish for. Understand that fortune and fame doesn’t equate to 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. In other words. if you want to make a million dollars. down cold. Here was a guy who seemingly had it all – loads of money. it might not be what you expected. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. What remains important is that you feel successful at every step of 52 .Find More As you learned in Lifemoney Lesson #1. Make Less . Knowing Yourself. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. because when you get it. knowing yourself and being true to yourself makes you successful. As an example. because he knew he couldn’t be happy doing anything else. For example. adoring women. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you.
. The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii. The businessman had no problem going out for just a few hours while his own wife visited the spa. See how that works? If you say “I’ll be happy when…. Fisherman Joe told the executive that it would be a pleasure.Knowing Yourself the process. or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership. While there. While waiting for the fish to bite. obstacles and roadside attractions along the way is taking away from true success. Although success is a worthwhile goal.” you’re in the conditional happiness trap. progress at any price should be more than most of us are willing to pay. So many of us set conditions for our happiness. and enjoy. The next day. the two men took the boat out on the seas. detours. the executive was impressed with Fisherman Joe’s skill and 53 . They recognize that success is a journey. today. not a destination. Ask yourself this: What happens until then? Truly successful people make peace with. but that he only went out to fish a few hours each day. 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. and that to skip the rest stops. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide. where they are right now. and that most of his day was spent with his wife and children.
The two men moved the business headquarters to Los Angeles. Finally. asking if he could cash out his shares and return to Hawaii. Although Joe was reluctant to leave his comfortable home and family while working in L. they finally went public. Joe shrugged. “I sell most of ‘em. Soon business was booming. for the man seemed unusually humble. “After so many years. “How would you like to go into business with me. would aid his partner’s goal of taking their company public. After a slight hesitation.A. He spoke to his partner. and remove himself from the enjoyable part of his business—fishing—he did it anyway. I know their habits.” Joe replied. Just a couple of hours a day supplies all my needs. But Joe was now worn out. “How do you get so many in so short a time?” the businessman asked. After five grueling years.” The shrewd executive knew a good thing when he saw it. The business life was not satisfying. and did not really enjoy what he was doing.Lifemoney ability to find the best spots to reel in a terrific catch for the day. Joe agreed. Fisherman Joe went from working full-time on his boat to getting three boats. Joe knew that being in L. Working day and night was more than he had expected. teaching other guys how to fish?” He went on to explain that he would put all the capital up front to get the business going if Fisherman Joe would add his expertise.A. as though he was unaware of the value of his skills. The prosperous businessman. had no problem and 54 .” “What do you do with them all?” the business man asked. and then working a fleet. Joe decided he could not take this life anymore. who had reached his goals. “and take home what’s leftover for dinner. truly amazed.
and he ended up doing exactly the same thing. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success.” the interviewer commented. He already knew what success looked like to him. “Yes. “I’ll get a small fishing boat.. and then I am going to spend the rest of my time with my family. 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 final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. In the end. But Joe found it a waste of five good years of his life. “From fishing a few hours a day to a multi millionaire. what are you going to do?” Joe replied that. Both of them found success in completely opposite directions! 55 .” Joe replied thoughtfully. but he ventured away from it for more money. so I can fish a few hours a day. and many might have found it fulfilling. the entire experience had been a detour from Joe’s own sense of success. his journey brought him right back to square one.Knowing Yourself wished Fisherman Joe well. that’s quite a journey. it is. a popular magazine interviewed him.A.” The moral of the story isn’t that we should not try hard or set high goals. It’s that you should know what you want out of life. Two very different men viewed the exact same experience in two very different ways. The interviewer was amazed by Joe’s journey and the story behind his success. This journey was quite productive.
They can measure your characteristics and ability to acquire additional skills. A local community college may also offer these assessments free of charge. These assessments are available all over the internet or by looking in the Yellow Pages. No one knows better than you where you feel confident versus where you feel unsure of yourself. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. Sometimes it will take that much more work. time.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. take an aptitude test. being true to yourself and finding your happiness makes you successful. Aptitude tests can provide some insight into your talents and abilities. you may find your work unrewarding. Certain occupations will be a better fit for you than others. Lifemoney Currency Understand that fortune and fame don’t equate to success. who not only played professionally. just understand the obstacles that you are going to face. -Brad Turk 56 . Assessment testing can also help find your natural strengths. Do you have that drive? If so. If you don’t know where your talents lie or still don’t know what you feel you would be good at. and effort to reach something that is much harder to attain. go for it. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. unchallenging and even difficult. Is that a realistic goal for you? It was for Spud Webb. But he is the exception to the rule. and if you work in a field that doesn’t match your natural abilities. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes.
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
It is the first step of turning the thought of doing something into the reality of achieving something. For two full days this artist could not come up with the resources for even a $2 token to get there. 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). Every successful person I know has clear goals they’re reaching for. That’s because he had more daydreams than plans.Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. would make you a happier person. Goal Achievement Exercise F Take out your Workbook.to side track their journey. Mr. And they don’t allow $2 tokens . make a list of your top 3 goals that. For this exercise. obstacles became simply inconveniences to be overcome.or the opinions of others . His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. when accomplished. Kanye West vs. Once they decide on that goal. It’s time to write some goals right now. Now let me tell you about another hip-hop artist you’ll probably never hear about. Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal. For instance: • Goal: Starting up a home-based travel agency 61 . 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.
Relax. listen to the radio. They happen every day. or better than you. Those people are not smarter. Dreams are real and they do come true if you follow this path. that’s natural. Just watch television. Now is your time. stronger.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. they simply learned these lessons a little sooner and applied them a little earlier. get started! 62 . The problem with dreams is that we’ve dreamt them for so long.even thousands of people who have applied action and planning to make their dreams real. or read a book and you’ll see hundreds . it’s often hard to see them as real.
Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. Prepare for exam iv. Find out construction costs for renovation ii. Let’s set up an action plan for your goals right now. timeframes. Below each. It could look something like this: Goal: Open a home based travel agency: Top three objectives and possible action steps: • Get travel agent license i. Goal Achievement Exercise G Take out your Workbook. We all know that goals just don’t happen. etc.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. Research classes that offer test preparation for agent exam ii. Clear space for new furniture 63 . It’s what lies in the gap between setting goals and achieving goals that separate Kanye West and the no-name rapper I talked about earlier. What bridges that gap? Action steps. Schedule exam • Build out basement to accommodate office i. An action plan is just a series of steps you plan out ahead of time to take systematic action. Start looking into office furniture and equipment iii. break the list down into three or four action steps you would need to take in order to reach that objective.) iii. Order a separate phone line from the telephone company iv. Understand the testing process (where given.
deadlines slip sometimes and you have to readjust your schedule. Start putting away money weekly toward travel agency iv. So not only do they spend a lot of time managing their time. Sure. Figure out what amounts of money will be needed to live off of while building the business iii. When you sit down to make your plan and you see that both of your children will enter college within the next ten years and your spouse is going to need significant surgery in the next year you may 64 . but without a schedule to start with you’ll never know if you’re slipping. Now you’ve written goals and some action steps that lead to the goals. Figure out a budget of what the business will cost ii. but they also add urgency to their goals by making themselves accountable to deadlines. objectives and action steps. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. Successful people know that there are few assets as valuable as time. Let’s say you want to own your house debt free within ten years.Lifemoney • Raise and save enough money for expenses and salary cushion i. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable.
objectives. and action steps. You’ll need to adjust. give yourself six months. many people leave this step out and things just never get done. You must schedule your goals. but for the most part. Timelines do not mean deadlines. give yourself a year. The goal is still reasonable. Beside each of the objectives and action steps. many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. This is an easy step to take. jot down a date for reaching them. Let’s actually do it now. but it’s also easy not to take. 65 . not written in stone. Go back to the list of goals. Unfortunately. Schedule changes or circumstances may require adjusting a date now and then. As a result. be VERY realistic about your timeline. objectives and action steps. If you need a year. and that gets your heart rate back within normal ranges and allows you to actually sleep at night. they identify action steps. rushing into it is more dangerous than not starting it at all. Goal Achievement Exercise H Take out your Workbook. they are guides. For instance if you want to start your own bakery. but the timeline isn’t given the circumstances. Successful people set goals and objectives. With a large goal like opening a new business.Overcoming Obstacles realize that this goal does not have a reasonable timeline. and then they set times and dates when things will be completed. you should set reasonable deadlines and do everything you can to meet them. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that.
you might have to adjust your action steps or your due-dates to make them more reasonable. 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. I told him. His solution was to write everything down. Written words are also great for organization and focus.Lifemoney If you keep on falling behind and have to reset your dates. Like most successful people. Write It Down Words are priceless. Anything of importance that needed to be followed up on was immediately put in his Palm Pilot (that was/is his tracking and “things to do” vehicle). 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 learned early on a major flaw that he had that amazed me. He probably had the one of the worst memories I have ever seen. The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline. I stopped and paused.” 66 . 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 actually had a business partner who is one of the smartest. Never underestimate the influence of actually seeing your goals written out and in front of you every day. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. “I’m waiting for you to write that last item down.
over time. moving you closer to achieving your goal. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. you may need to break down the week by hours to make sure you are managing your time properly at first. 67 . realistic. For goal setting you will need to prioritize tasks. Do the important. and plan specific. committed. annoying. You may not get everything you had planned done in a given day. and visualized steps. set deadlines. You should get the boring. reserve a block of time to do what needs to get done. Every day you should be aware of all your goals and the steps needed to attain them. tasks first. Keep it in the notebook you have been using or in a calendar program that you can keep handy.” -Les Brown Goal Achievement Exercise I Make a daily written. Set aside some time each morning to review your list and begin working on the listed tasks. Depending on how organized you are.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. but you will make progress and. measurable. even if unpleasant. Here are a few tips for using your daily “To Do” list: 1. you may be able to do more things in a day. “To do” list which you will reference daily. and anxiety producing things out of the way when you have more time.
you plan to fail. but it is visible and reminds me daily to get out and play. I have a main list at home and a daily list that I take with me. It’s just something I want to get around to doing more often. With computer programs and organizers you can adjust lists quickly and neatly. I don’t recommend this method. 4. and I am happy with it. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. even I know it is kind of strange – but it works for me. Learn how to use technology. Although I suggest technology. Computer programs and electronic organizers can save you a lot of time over manual lists. I do this.Lifemoney 2. -Brad Turk 68 . For example. but it works. We need to take luck out of the equation. do what works for you. use them! Lifemoney Currency It’s true – if you fail to plan. but it is not really a priority that I want highlighted on my daily to do list. So if you need post its. I will do things like leaving a basketball by my front door. I want to start playing more basketball. your PDA or phone alarm as a reminder. I know I could come up with a more efficient method. Carry a pocket-sized list with you at all times. Obviously. 3. It is not in the way. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up.
My problem was that I was the one handling those smaller customers. it is extremely difficult to sell value at two times the cost for the same product. Most of their larger customers simply wouldn’t take a chance with a smaller. 69 . They step up and success is their reward. Whatever obstacles have been preventing you from starting your journey. These companies were offering rates that were about half the price of what we sold. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. I found that MCI was one of the highest-priced long distance service providers on the market at that time. with fewer expenses. newer provider. Mental and physical preparation is essential to finishing any journey. not price.” Unfortunately. There were a lot of smaller companies. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. Successful people use their Lifemoney skills to look at obstacles as opportunities. The MCI philosophy was “we’re selling on value. Adversity and obstacles will come up along the way whenever you start setting goals. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. taking market share away from MCI and AT&T. and you must be mentally prepared to deal with them. not stumbling blocks in their path. But MCI was not concerned with this. because it mostly affected the smaller customers. now is the time to knock them down forever.
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. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. Describe one of your main goals in a sentence or two. let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. Below that. With firm goals and objectives in mind from Exercise F. That meant that for every 100 reps starting at MCI. This was the beginning of a booming market.Lifemoney I quickly scrambled to find a solution. list possible or proven obstacles or fears that may be keeping you from reaching your goal. but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. The turnover rate for my position that year was 95%. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . Lifemoney Currency “If you don’t like what’s on TV. Luckily. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. Be honest and write every obstacle and fear you can think of. 95 left or got fired. 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. Then come up with the solution/objective and an action plan.
start a savings account with regular deposits. Objective: Research planes and prices Action Plan: Go online and research planes. These obstacles come in all sizes. etc. and manageable. etc. Objective: Take Flying Lessons Action Plan: Research Classes. People just like you and I. so that you will 71 . • I don’t have a plane. focused. so you will need to spend some time figuring out the possible or probable barriers to your goals. find an online interest group. Here’s an example of what your obstacle list and action plan could look like: Goal: To pilot my own airplane Obstacles: • I don’t know how to fly. they add action to their goals and steps and turn dreams into reality. 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. shapes.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. • I can’t afford a plane. save money for classes. So how do they do it? They are not superhuman. Objective: Find out about buying a used plane Action plan: Find out about bank loans. clear. and colors for different people. but they are action heroes. So is flying an airplane impossible? Of course not! People fly planes every day. It’s like your teachers used to say in school: “You’re only cheating yourself”. etc. Each part of this process should be specific.
and manage your way to achieving your goals. allowing failure to be an option. Lifemoney Currency “They say if everything’s going your way. That’s because life is supposed to be a challenge. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles. As with this goal of flying. your real goal at first may seem almost impossible to reach. All you need to do is create a plan of options to overcome the challenges and follow specific action steps.Lifemoney end up where you want to be. 2. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1. All of these steps we have completed so far help you get focused. or even when we face them with not-so-successful results. procrastination. Let’s examine each of these and ways you can beat them every time. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. the goal suddenly seems reachable. we learn from our success and failures to meet the next obstacle with even greater results. you’re probably going the wrong way. you’re probably going the wrong way. making excuses. When we face challenges and overcome them. and 3. stay clear. Number 1: Procrastination 72 .” -Brad Turk Three Huge Obstacles In my life as a successful businessman. They say if everything’s going your way.
” “It costs too much.” “My husband says it won’t work.” The list goes on and on. All the time that is wasted procrastinating is not putting us closer to reaching our goals. and some of us are experts at it.” “The kids need me right now.” “My wife’s nagging won’t let me think.” “I’m over-committed already. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4). 73 . It’s easy to put off making a plan for starting the journey to your goals.” “I don’t have the help I need. procrastination is one of the worst enemies of success. By procrastinating I mean putting off or delaying an action or task to a later time or date.” “I’m too tired. too. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments. To me.” “I don’t know where to start. Remember how in school some kids put more effort into making excuses for not doing homework than in completing assignments (I know because I was one of them)? That’s what happens after graduation.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination.” “I can’t find a minute to myself. or avoid taking action steps once the plan is made. We say things like: “I’m too busy.
Or don’t think about not feeling that well at the moment. Don’t think about the whole thing. Example: If you’re not feeling well and you are supposed to do cardio and weight training. • Avoid people or things that will take you away from what needs to be done. the rest willing to let them. you might be feeling up to doing the cardio. Which one do you want to be? Isn’t it time you stop playing victim and start working on your plan for personal success? I have listed some effective ways to overcome procrastination (and an example for each using the goal of getting in shape): • Just start! Don’t let any thoughts enter your mind and don’t think about the task. We all know time-suckers.” -Robert Frost h i nk about that quote. Maybe after that is done and your body is in motion. You’ll feel better after you do. or things (Xbox/housework/chores). Even pick one of your favorite exercises to start.Lifemoney Lifemoney Currency “The world is full of willing people. You tell T 74 . go. Just do it! Example: When it’s time to go to the gym. be they people (your lazy cousin Eddie). Instead of doing the dreaded cardio. Don’t think to reschedule it for a better time. Just get up and go. places (the mall). • Do a part of the task. just go and focus on doing the weight training. Maybe a part that interests you most. some willing to work. do “a part” of the task. Example: You are on the way to the gym and your buddy calls you to go out somewhere.
not the steps it takes to get there. Example: If you need outside motivation. 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. • Focus on the results. get a friend involved or find someone at the gym who keeps the same workout schedule. If he’s a real friend. Example: If you don’t feel motivated to go to the gym and you dread having to go. You need to be firm and stick to your plans and continue on to go to the gym. and spend every waking minute realizing their goal. colleague or friend. For instance. If failure is always an option then success may never be within reach for you. Many successful people consciously visualize a result before beginning a task. not the task. All successful people meet their obstacles 75 . You can hire a trainer. visualize the result you’re after. he’ll be waiting for you when you’re done. find a workout partner. which explains why a significant number will fail or relapse when the going gets tough. don’t think of the exercises that you need to do. think of how you are going to look at the beach. • Write down why you’re avoiding the task. I’ve seen people literally write down “make a million dollars this year” on an index card. fold it up in their wallet. • Find a partner. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. Sometimes we just need a little outside perspective from a family member. While this may be extreme.Overcoming Obstacles him you can’t but he is persistent. Yet most of us grab onto great ideas for self-improvement without much thought.
He persevered until. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. but lost out on several of them because he believed he was the only actor who could pull off the lead role to his demanding specifications. How far are you willing to go for success? If you concede failure before you even begin. you may never know. 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. 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. he found a movie studio willing to buy both his script and his portrayal of the main character. at last. Much like the boxer in his now famous movie. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed. star and creator to see his project come to life.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. Sylvester Stallone went through huge trials and tribulations as a writer. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie.
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. you may be tempted to light up with your buddies at the bowling alley. At the age of forty. Being a doctor has been her desire since she was a child. This becomes a lifestyle challenge that you must address. my sister enrolled in medical school. But it is never too late to achieve your desires. Life circumstances and 77 . You might feel too old to reach your goals or that it is too late to realize your dreams. For example.Overcoming Obstacles • • • • • Do you need technological expertise? Should you take a class? Should you attend a marriage seminar or see a marriage counselor? Should you seek help from a professional consultant? Who do you know that could be a possible business partner or help you connect with the right business partner? • Do you need to network with others in your field to enlarge your knowledge boundaries? • • • • Will your current job or career environment support these needed changes? Does your company recognize and reward growth? Can you make more money or advance more rapidly at another company? Does your company pay for tuition reimbursement? Answering these questions might require some habit changes. Emotionally speaking you may be thinking it’s too late for you to change.
Your elaborate reasons will not impress anyone. Number 3: Making Excuses Excuses are very powerful. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. Rather than making excuses. Lifemoney Currency If failure is always an option for you then success may never be. maybe even a small one. This is just not acceptable. the thing you were suppose to do did not get done. working overtime to prove your usefulness. Your action steps might include dressing the part of the higher position. when you make an excuse for not doing something. be definite and defined about the action you will take and when you will take it. The bottom line is. -Brad Turk 78 . they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do.Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. like earning more money by asking for a promotion. Excuses are probably one of the biggest obstacles that keep you from achieving your goals. But guess what? Excuses are worthless! There is never a need to make an excuse. Start with one goal at a time. and approaching your supervisor at just the right time to maximize your chances for success.
remember that when this process is complete you are ready to step on the gas and head on toward your destiny. action steps. We need to do everything in our power to make them happen. We need to do everything in our power to make them happen. objectives.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. _____ 2. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. Lifemoney Currency: Good things don’t just happen by themselves. Whatever you do. and then tally your score. Let me repeat: NEVER FORGET to anticipate that obstacles will come up. timelines and an idea of some of the obstacles you’ll face. The plan should list the goal. Being prepared to face them is a huge factor in overcoming them when you meet them. I have a good idea of my action steps to reach each goal. 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 . I am ready to create goals.
I have plans to fully and completely address all roadblocks to my success. _____ 6. I am looking to see how technology can make my life easier. ______5. _____ 7. _____ 4. I am ready to stay committed to my written plan and see it through with daily reminders. Just not where you want to go.” -Brad Turk 80 . _____ 10. I plan to tackle the more difficult things on my “To do” list first. No excuses: I will not let myself off the hook. _____ 9.Lifemoney ___ 3. Lifemoney Currency “Excuses will get you everywhere. _____ 8. I am ready to adopt the mindset of someone who will be successful. I have created a timeline for my action steps that appears to be reasonable. I have thought about some of the obstacles I may face.
' it would have made me actually look and feel ridiculous. discovering fire.” 81 . and laying the foundation for all mankind. The five tools are focus. Yeah. awesome. well done. inventing the wheel. like walking upright." Overview Success requires the right tools. good point. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen. time management. “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. you’re right. 'Good job. efficiency. priorities and commitment. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. My favorite is the one where a television anchorman says to the caveman. Learn to use these five with skill and you’ll achieve whatever you can dream.
There was a time when people had to be told how to use a telephone. We create mental tools to help us achieve greatness as well. 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.” -Tom Clancy 82 . nearly everything in our world is a tool. cars or computers . Though different tools may suit different people best. you need to select and develop the tools that will help you achieve your goals. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make.Lifemoney We’ve been innovating and making tools since we lived in caves. Whatever the task requires . If you stop to think about it. People use tools to improve their lives. Technology is just a tool. successful people use many of the same mental tools – and use them well.our tools surround us. Here are some of the strategic tools that will help you succeed in achieving whatever you dream: • Tool # 1: Focus • Tool # 2: Time Management • Tool # 3: Efficiency • Tool # 4: Priorities • Tool # 5: Commitment Lifemoney Currency “There was a time when nails were high-tech. Now that you’ve made up your mind to go after your dreams.stoves.
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
be very clear about what you’re trying to accomplish each day. 87 . minutes. Rachel Ray. finish whatever you start. or useful for others or yourself. days. like building a career. weeks. Just pride yourself on finishing projects and never allowing them to linger unfinished. insists that she. or browsing the classifieds or eBay for things you don’t need. If you wasted just 30 minutes a day on surfing channels. Extra snippets of time come in the most unlikely places. talking over the fence to your neighbor. Donald Trump suggests sleeping only 4 or 5 hours a night. or reaching that goal you think you just don’t have time to reach. Trump: Think Like a Billionaire. Third. First. Take it a step further and think of how much time we waste every single day. ignore the invitation and do something constructive. busy with multiple high-profile projects including a daytime talk show and cookbook empire. In his latest book. think of the extra hours you could find just by adjusting to one less hour of sleep per night. driving to the store. If you’re unclear about your objective you’ll be unclear about the time you’re spending. enjoying your family. The next time you’re tempted to spend time where it won’t count for much. contributing to the community. While this may be extreme for you. Second. To manage your time better I would suggest four things. let alone two or three. after 50 years you would have spent more than a year of your life “wasting time. interesting. too.” Can you imagine being 74 years old and wishing you had another year to spend with family or making a contribution to society? Use your time wisely by preparing a balanced schedule that allows you to spend time doing all the things that mean something to you. months and even years.Tools for Success manage time well and you become a master of extra hours. only sleeps 4 or 5 hours a night.
The Green Mile and Hearts in Atlantis. The good news is you're the pilot. the author of some of the world’s most popular novels. or any other resource you have available. Remember that your time is your time. Someone who knows a little something about being efficient is Stephen King. he is efficient with his time and committed to writing practically everyday. Lifemoney Currency “The bad news is time flies. While many consider him the “King of Horror. Since publishing his first novel. It’s a good lesson for all of us: you might surprise yourself 88 . The Shining. You are the only one who can guard your time – no one else will do that for you. and Misery.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. Carrie. Salem’s Lot. don’t give into time wasters. every single day of the year. King has consistently published three or four novels per year. money. back in 1974. energy. all of them bestsellers and featuring such instantly recognizable titles as Cujo. the Fourth of July and Christmas. 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.” . Fourth.” the author is also the mind behind movies like Stand by Me. How does one author manage such a staggering number of pages? The answer is efficiency.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. except for three: his birthday.
In other words. Not pushing paper or daydreaming. I would like you to list five things you are doing today that could be done more efficiently – and at least one step to boost your efficiency. but efficient work. Ask yourself. From now on. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. weigh each one with a view to your goals. My guess is that you will get more done in four focused hours than eight unfocused ones. Let’s do an efficiency exercise. Goal Achievement Exercise L Take out your Workbook. some activities are more efficient in getting you 89 . from time spent with friends to starting a home-based business. 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.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. You also should get in the habit of counting the “efficiency cost” of each decision you make. Everything in life has a price tag. when you get the chance to make decisions. you may need to reconsider that decision.
” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. or even minor. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. consider making changes like these to enjoy life now while working toward a better one for the future: 1. decisions: • • • • How much will this cost in terms of money. Using time efficiently is a huge obstacle for many people who are would be success stories. For that reason. 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 . but efficiency of performance is what wins the game for the team.Lifemoney toward your goals than others. I want you to realize a few things about time and think about ways you can use your time more efficiently. Ride your bike to work to relax and get some exercise. In order to focus and spend your time more efficiently. 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. especially future goals. To better manage your time and utilize your time more efficiently. time. get in the habit of asking questions like these before making major. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life.
cars break down and bosses demand overtime when you least expect it. 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. they often remain unfulfilled. exercise. Set aside “unwind time” after work or school. neither of which fosters success. most don’t. 5. Setting aside one hour at the end of every week to analyze how well. Watch less TV and do something more productive. and make any needed adjustment. Unfulfilled lists lead to depression and disappointment. Many programs offer everything from stock tips to weight loss programs to informational documentaries. we can’t perform task after task without stretching our bodies. kids get sick. When our “To Do” lists are too full. When we schedule a block of time. We are not computers. Don’t overfill your “To Do” list. or both.Tools for Success to accomplish in the first place. 6. we tend to perform those tasks more efficiently. with planning and forethought. 4. spouses need our help. you managed your time that week can save you hours the following week by learning from your mistakes. When viewed wisely. television can be a valuable tool. Eliminate the hassle by making something you have to do anyway. 2. between important tasks. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. or poorly. like getting to work or going to the store. Things do not always go like clockwork. 91 . minds. Monitor how you’re spending your time. Get a Spam filter for your e-mail. which can be as little as fifteen to thirty minutes. 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.
especially when it’s spent in waiting rooms.” Never waste an opportunity to learn. lobby lines.” 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. “Worry is not thought. Bring a book to all your “doctors visits. Only focus on things you can control. You get up. If you’re stuck in traffic. 9. creative people. get dressed. open the window and enjoy the air. Entrepreneurs. etc. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. or a car to drive. I usually use car time to catch up on calls that I need to make. When we learn to use our time – all of our time – wisely. we gain not just precious moments but momentum. food to eat. you would not have a roof over your head. don’t worry about the rest.Lifemoney 7. waiting for appointments. Without those paychecks. Tool #4: Priorities What are the priorities in your life? For many. Use waiting periods wisely. 92 . the day begins with the priority of going to work and chasing a paycheck. Always carry something to capture your ideas. Appreciate unexpected delays. 10. wishing you could be outside. there would be so much less to worry about. complaining is not action. Take a break to relax and listen to music. 8. Mason Cooley once said. 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. even when it’s spent waiting for things. Think of the day you were sick in bed. and get going to a job so you can take home a paycheck every few weeks. in restaurants.
Focus on one step at a time. If your goal is to write a letter to someone. Don’t multi-task and try to accomplish too many things at once. 93 . don’t spend three hours cleaning your desk so you can get started. and take time to spend with the ones you love. Finish what you start when you start something. In other words. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. Choose a priority and be a finisher. The need for a clean desk before you can begin is less a necessity and more of an obstacle. 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. complete all the important things at the beginning of each day. Don’t do busy work. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. The third suggestion for prioritizing. Do whatever you’re doing all the way. something or someone important is going to get short changed.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. Second. Then commit to giving your best to your life and to your goals daily.Tools for Success Another priority for many people is their relationship with family members and friends. 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. You come home to people that mean a lot to you. 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.
Pasteur. Jackson Brown 94 . Take on only what you want to do and say no to the rest. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. Together. Fifth. Your time belongs to you. and freed up some of my time to work on other priorities. One example from my life is that I pay to have my laundry done.” -H.Lifemoney Fourth. That will only take me away from my priorities. I could do it myself. 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. Sometimes you might want to consider sharing profits or payoffs in order to get needed help. create a sense of urgency for important activities that are going to be meaningful in your life. it was worth it to me. my partners and I had a synergy allowing us to accomplish more in less time. Leonardo da Vinci. Pay less attention to things that come up but have no relevance to your goal. I never answer my phone unless it is a call I’m expecting. and Albert Einstein. Michelangelo. Mother Teresa. Sure. Lifemoney Currency “Don’t say you don’t have enough time. don’t be afraid to say “no. Even though I had to share the profits. I would often share sales opportunities and business deals so that I would have less work to do.” Delegate worthwhile projects that can be handled by someone else. give up the little things that scatter your time and energy. Thomas Jefferson. You have exactly the same number of hours per day that were given to Helen Keller. But why spend hours handling that task when my time can be put to better use? Last.
we call it a mortgage. I have a friend who has been bodybuilding (or body sculpting. as he calls it) for over ten years. they make a commitment to the bank. consistently. he told me that he hit the gym five times a week. My response to him at that time was that I would love to make that commitment but that I was too busy for that type of schedule. When I was talking to him about his workout plan. It was something he had to do. or sleeping. he had not missed a single week of working out. Then the real embarrassment came: after going over his working arrangement. would you? 95 . In the same way. However. besides his normal two week break. His response was that working out was one of his daily events. In the last ten years. when someone buys a house. few of us make that type of do or die trying level of commitment to ourselves and our own goals or even to the commitments we make to others that may help them reach their goals. you need to make your goals – things to do – daily activities. it was like brushing his teeth. a key part of your lifestyle. we feel obligated to keep that date. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. I was amazed at his dedication and commitment. When we make an appointment to see the doctor. You wouldn’t go a whole day without eating. For example.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. eating. 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.
Here’s a breakdown of how things might look if only 99. this was based on a study done in the 1990’s that circulated in email: • • • • • • Two million documents will be lost by the IRS this year.200 books will be shipped in the next 12 months with the wrong cover 5. Follow through.000 checks will be deducted from wrong bank accounts in the next 60 minutes. He set a goal and did not stop until he reached it. He went from hanging out and drinking at clubs (I know. Go big or go home.9% effort will not get you where you want to go. I saw him) to a few months later running 26.200 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. 22. You have no choice really.2 miles. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation.500 defective personal computers will be shipped this year 2.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon. because a 99.200 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 . Daddy's House Social Programs and the public schools of New York City.488.260 income tax returns will be processed incorrectly this year 2.517.9% effort were given. give 100%.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. 1.
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.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18.000 incorrect drug prescriptions will be written in the next 12 months 114.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880.690 will be spent today. 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. saying Oliver Stone didn’t know what he was talking about.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20. Jamie could have easily walked away. wanted nothing to do with Jamie.” He did not believe Jamie could pull off the part. often unsafe. next Thursday and every day in the future on defective.Tools for Success • 3. Any Given Sunday.500 mismatched pairs of shoes will be shipped this year $761. Oliver Stone. The director. tomorrow. He even went so far as to tell Jamie that he “would not waste one inch of film on him. Jamie was already a 97 .
never give up. at that point in his career he did not need the role. First. 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. They are humble enough not to think they are too good to put in the extra effort. Moesha and Hanging with Mr. he said that he couldn’t make the movie without Jamie. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . Second.Lifemoney successful comedian/actor. I heard that after Oliver saw the audition tape. never. Cooper. Lifemoney Currency Never. Roc. He had also starred in several movies by this point. But that’s not how Jamie viewed and approached it. and he had already done many TV shows like In Living Color. He had his own TV show. The Jamie Foxx Show. they are confident in their abilities and they stay committed until the task is accomplished. -Winston Churchill Gathering the Tools for Success Summary The Five Tools of Success we learned about in this Lifemoney Lesson are all about developing your mental tools to get the job done of reaching your goals. I think it is fair to say that although it turned out to be a great part for him. remember to get and stay focused on success. So that’s how successful people handle getting something that they want.
Lifemoney Currency ”Success doesn’t come to you. 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.” -My Mother 99 . and resources. make efficient use of your time. Fourth. Last.Tools for Success second. or hour passes it is gone. Third. talents. minute. make a commitment to embrace your goals and make them part of your life.
change or impact – You can’t worry about” -Brad Turk 100 . I am “do or die” committed to doing what it takes to reach my goals. _____ 2. I am taking specific steps to make better use of my time. I have identified my focus and am ready to pursue it wholeheartedly.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 4. _____ 3. I have made a list of the major distractions in my life. I am determined to include my goals in daily lifestyle activities. _____ 9. _____ 6. _____ 5. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Lifemoney Currency ”What you can’t fix. I am taking steps to avoid or redirect or see beyond these distractions. I am learning to make choices that will lead me toward my dreams. _____ 7. I am willing to delegate some tasks to others. I have evaluated my schedule and am eliminating the time-wasters. and then tally your score. _____ 10. I have begun sorting high priorities from non-essentials. _____ 8.
Progress Report When Will Smith played the lead character in The Pursuit of Happyness. You may not feel like you’re making much progress yet. as long as you are going forward. to 101 .” -Christopher Gardner Overview Finally.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count. but just starting down the road to success is one small step for you. You add them all up. and one day you look back and you’ll be surprised at where you might get to. he took on the role of a complicated. At one pivotal point in the movie. one giant leap for your life. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. Gardner believes he has over $600 in the bank. only to find out later that the IRS has seized the bulk of the account. compassionate and ultimately successful man named Christopher Gardner. your plans for reaching your goals are in play.
Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future.Lifemoney the tune of $600. You’ve decided that you’re going to launch your t-shirt line six months from now. Instead. it’s easy to wander and not finish the essential steps that lead to your goal. For example. shipping and delivery of the first 2. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. including printing. filled out paperwork for an extension. When things take time. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. 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.500 shirts to local retailers. if not years. to do everything that you want or need for your dreams to become reality. 102 . and literally withdrawn it from the account. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. But don’t worry: patience and paying attention brings progress toward your goal. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand.000 for everything you need to get started. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. While the event seems tragic. The resulting loss sent Chris and his young son onto the street. It will cost about $5. 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. Busy work doesn’t get it. you need your plan clearly laid out and a means to track how you’re doing.
or about $160 monthly. Was it out of reach? No. but a big 103 . In this example. 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. Keep it simple. where you’re going and how you’re doing. The simple reality is you need one single visual reminder of what you want. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch. We often just assume things are going to work out once we have our plan in place. shipping and delivery – into place. Was the goal bad? No. What happened? Most likely – you made a bad assumption. It’s been a year since you made the decision to launch. Were you on track? Yes. Don’t forget the map! The solution to this common problem is either a chart of your own making. but by all means use something. But when you check you notice that there is only $4. you simply failed to keep track of your progress. I prefer a big calendar. a daytimer. so you decide it’s time to check your savings growth to be sure you will have enough money when the time comes to launch your line. What happened? Well. electronic calendar or some other external system. This means that you will need to save $960 in the next six months.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.040 in your money market fund. and you recall spending $300 to get a new bicycle. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. This messes you up because initially you only needed to deposit $110 in the account each month.
I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. Written goals are powerful. As always. Let’s find out what they are. I write these action steps in clear and direct language using 104 . and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. so I’ve broken down my own personal system into five easy to monitor factors.Lifemoney piece of paper would do. They are items that need to be accomplished to get me further toward my goal. 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’m addicted to simplicity. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. Also. List a Goal: This is where I simply write out my goal – one goal per sheet. 3. I make sure I regularly review my objectives. 2. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. make this sheet physically easy to see as you go through your day. As you can probably tell. Here are my basic elements: 1. Your reminder system should have several key components. Remember from Lesson #3 these are like “mini” goals that help you reach the larger goal or break the larger goal down into easier pieces. It’s important to monitor each goal separately so use a separate sheet/planner for each goal. 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).
We’ll start with January. You can find lists of action verbs by doing a quick Google search for lists of action verbs. Closure on my objective always makes me feel good. Goal Achievement Exercise M Take out your Workbook. If I do all my action steps. as well as your response to them. 5. Create a grid that lists basic steps for reaching your goals. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. the more accurately I can tell if I’ve reached what I originally envisioned.Evaluating Progress action oriented words. I will reach my goal. Take it out for review often to make sure you are headed in the right direction. I reach my objectives. but below is a model that provides an idea of how yours might look. How you arrange your grid is up to you. If I reach my objectives. 4. creating objectives and action steps. and is a great marker of progress toward my goal. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. I have found that the more specifically this is worded. and keeps you in touch with the realities needed to make your goals happen. Now it’s your turn. a popular time of year for making new resolutions or resetting ongoing goals. 105 . 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. Completion: I always mark the date when I’ve achieved each objective.
Even if you don’t fill every moment with related tasks. I will get expert help and assessment. Check yellow pages for indoor putting green. Learn terms. you may spend another week in January (or whenever the first issue comes) reading articles from the publication as your action steps for those weeks. I will make the time to sign up for lessons and commit an hour a week to practice. Some weeks. and how often. keeping a grid like this one will show at a glance what you are doing. When you go back and check your grid periodically. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. I will surf Internet for local golf pros. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. Outcome I will enjoy my golf game more and feel a sense of accomplishment. Year-round practice will improve my skills. Enjoy the thrill of getting better. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. Action Step I will take 2 hours during the first week of this month to write out my plan. you can quickly and objectively measure your devotion and success in chasing your dream. and equipment of golf. will be spent revisiting an earlier action step.Lifemoney Goal: Become a Scratch Golfer In Two Years Date January Week #1 January Week #2 January Week #3 January Week #4 Practice indoors during bad weather for an hour per week. by the way. to work toward your goal. For instance. Call for subscription to Golf Digest. 106 . Read one golf magazine article per week to learn more. pros.
Fortunately and unfortunately. Maintaining Your Course So what can you do to make sure you’re headed in the right direction? Here are a few tips for realigning your journey with the original goals that motivated your action plan. Ask good questions Most people want to know what they did right. it also forces them to be specific. I liked it all. Ask for outside input from people you trust to be honest. and you found little change in the numbers after a few months. For example. “You did nothing wrong.Evaluating Progress If you decide to change your goal for whatever reason. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. or instead of. This is good. the diet routine.” This makes them think.” To get better information ask. Evaluate the input. for example. Find something that works. you could switch to a physical activity approach in conjunction with. Make it easier for them to evaluate you by asking the right questions. even if that means rotating new activities through the process until you find one that works best for you. 107 . you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. If you get the same input from different sources. If. chances are it is correct. “Please tell me the three things you liked least about what I did. remember to adjust the steps to getting there. you are now going to get a few things that they were not that excited about. To find out if you’re off track I suggest you find out what you did wrong.
He was told that his best hopes for a career would be as a carpet layer. practice what I call the 4-BE System: • • • • BE objective BE open-minded BE sure to listen and see if it is accurate BE honest with yourself. In 3rd grade he was sent to a school for mentally challenged children. Keep in mind that not all opinions you get will be accurate.Lifemoney Welcome criticism Some of the comments you receive might include criticism. Criticism is good – it lets us see a different side of ourselves. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. 108 . I’ve been wrong on many occasions.4 billion was thrown out of 2nd grade. If you argue or make excuses. When someone tells you point-blank that you’re going about something all wrong. You don’t have to take every piece of advice that’s offered. Analyze the critiques and use them as you see fit. Don’t be afraid to be off track—or even outright wrong. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2. which is totally worthless. however. Before you open yourself up to criticism. people will stop telling you what they really think and say only what you want to hear. It also lets us know how others see us. don’t reject impressions just because they are negative. You’re allowed to discard opinions if you have a strong impulse that they are wrong. just listen carefully and ask how you can do it better.
W. For example. founder of Woolworth’s and modern department stores. far-reaching. Yet. including the light bulb. • • Walt Disney was once fired for a lack of "good ideas. that he was a screw-up. Woolworth. taking a personal finance class. You might even want to get several opinions and weigh several options before making a final decision. Before being home-schooled he was kicked out of three schools. and how to get there in the most efficient way. Get enough information to provide a clear picture of where you are currently. or attending a money management workshop are additional ways of becoming more knowledgeable.Evaluating Progress • Thomas Edison was told he was not teachable. the phonograph. • Albert Einstein struggled in high school math. he never gave up.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. or we wouldn't have his incredible. and film. His last headmaster said he'd never make it. Good thing he didn't. your banker. where you want to be. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. or an investment agent to discuss planning strategies that can make this possible. and creative theory of relativity that has shaped modern physics. if your goal is to retire at age 45 meet with a financial planner. His name was F. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. These also help to make sure you have a realistic goal set and that your 109 . With his creative mind he patented over ten thousand inventions. His bosses thought he lacked the common sense. Registering for a financial planning seminar.
a great new job offer that comes unexpectedly. a death in the family. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. Watch your goal progress closely Check your daily activities. as long as you continue to make steady progress. you still have time to adjust your plan to maximize your chances for success. Notes to yourself. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. Are some carried over for long periods of time? Are you making substitutions for temporary pleasures that eat up your time and resources without bringing you closer to lasting fulfillment? Remember that it is the small. Some people even use something as simple as notes. the loss of a job. If not. Your best skill is your ability to write things down and track yourself. daily steps that carry us the furthest distance. this is the time to reevaluate your goal. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. Above all remember. you may get off 110 . Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day. 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.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. and your progress to see if adjustments are needed for a better chance at a successful outcome. or meeting someone and falling in love.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. keep track of your progress. Either is fine. O. your plan.K….
Then move on to do the same with larger tasks. Goal Achievement Exercise N Take out your Workbook. the faster you can get on your way. You stop exercising or you start watching a new television series that leads to another new show to another and to another. Here are some examples to get you started. properly aligned and refocused. The faster you uncover the weakness within you and address it.” Rather than being upset or offended. and then outline action steps you can take to address these.” “You work slowly. “You always complain and never offer solutions. And don’t forget that sometimes you get off track due to internal factors rather than external ones. List the five most common criticisms you hear about yourself. • • • • • • • “You have trouble following through to get things done. We’re going to address some of the internal areas that may get you off track to achieving your goals.Evaluating Progress track too.” “You’re stubborn and won’t do as you’re asked.” “I have to constantly watch you because you waste so much time. There are some very good action steps you can take to get yourself going again. take this information and use it to your advantage.” “You’re always late. 111 . Don’t beat yourself up for being normal.” “You’re attitude is bad. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time.
Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. daily pieces that when completed will gradually accumulate and lead to success.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. 2. Better yet. break the goals up into smaller. If you don’t make notes of how you’ve broken down your duties. more doable chunks that you make note of it in your planner. Write down the smaller. • • Finish the task at hand and ask for something to do next. come up with a clever solution to some problem the boss is having. more specific steps you 112 . there are many things you can do to address problem areas and turn them around to make negatives into positives. Especially honesty with yourself about your own weak spots. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. Keep these keys in mind: 1. you will lose track and wander in pursuit of your goals. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. Being honest with yourself is a powerful tool. Be honest in soliciting opinions from others and acknowledging your weak areas. I strongly suggest that if you break your tasks down into smaller. Fortunately. Then be proactive in making changes to benefit yourself and others. gut-level honesty.
you will be amazed to see how much you’ve actually accomplished. daily. e. Seek out successful people for advice: Free advice is all around you. Whatever you do. Read a self-help book related to your goal. b. Make one sales call daily at least five days per week. Contact at least one new potential employer each week. as well as find inspiration to help you continue to achieve your goals. 113 . 3. Here are examples of small activities that can be conducted daily. Learn something new related to your goal every month. and be willing to make the necessary changes that will help to ensure success.) g. Save at least $10 per day for an average of $300 per month or $3600 per year. c. take personal responsibility for the difficulties encountered in your quest. i. h. (I speak much more about this in Lifemoney Lesson #6. Resourcefulness). 4. f. Work on replacing a bad habit with a good one each month. Review your written goals more regularly (hourly. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. j. Have a weekly date with your spouse or child to improve family relations. d. Meet with your mentor every other week for feedback.Evaluating Progress intend to take. etc. weekly. Stop and reflect on your life more often: When you stop and reflect on your life every month or two. Check out at least one set of blueprints for your dream home each month. Seek it out and you’ll find more encouragement than you’ll be able to handle.
take a short break to renew your mind. After taking action steps toward your objectives and ultimately the goal. 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. If anything has changed since you began the quest. Come back to your journey when your batteries are recharged. Do this assessment frequently. realistically – and often.to determine what you are able to complete on time. factor it into the equation. but that’s fine as long as you don’t abandon the journey. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you. and then give it all you’ve got! Lifemoney Currency “Dreams are real.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere.” 114 -Brad Turk . Make a visual reminder – like the grid I use . You may have to revise your daily or weekly goals from time to time. plan to re-assess your progress.Lifemoney Lifemoney Currency “The price of greatness is responsibility. To tell the complete story. as well as anything that remains unfinished. living. evaluate your progress thoroughly.
I will invite and accept criticism that is given with a view to helping me. I am going to regularly check my progress toward reaching my goals. _____ 2.” -Brad Turk 115 . I will reevaluate my goal. I will solicit feedback from experts. _____ 8. and then tally your score. I will make efforts to change or eliminate bad habits. I will be quick to admit my weaknesses _____ 7. along with my progress at regular intervals. In gathering feedback I will ask good questions.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. I have the names of several people I trust to give me good personal feedback. I will create a grid for recording action steps that lead to my objectives. _____ 5. I will check the grid periodically and make any needed changes. _____ 3. _____ 9. _____ 4. _____ 10. Lifemoney Currency “Be consistently consistent. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 6.
who was brought up in the Marcy projects in Brooklyn. Sean. 116 . When things don’t go as planned. had to create his own destiny. you need to look for other routes or means of help.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. everyone encounters resistance along the way. We are stronger and more resourceful than we know. 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. knows firsthand what it means to be resourceful.” Overview Everyone struggles to meet their goals. It’s how you handle the resistance that leads you to success.
Jay-Z became one of the most respected rappers in the music industry.” And that’s what he did! He co-founded Roc-A-Fella Records. No one seemed to be interested in his music or recognizing his understanding of the music business. When faced with resistance he responded by finding solutions to his problems. which includes Roc-A-Fella Films and Rocawear . with 18 Grammy nominations and 5 Grammy wins. which eventually shaped his destiny. How resourceful are you? Could you overcome adversity by thinking not just “outside the box. you might be filled with 117 . under it. Sean was unable to get a record deal.” but over it. he needed to be a businessman as well. the 40/40 Club in New York City. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness.Resourcefulness When he first started out. including Kanye West. around it or. Other ventures of his are Armadale vodka. which launched not only his career.a very successful clothing line. Being a talent was not good enough to attain his success. 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. part ownership of the NBA New Jersey Nets and the S. right smack through it? As you begin your journey to reaching your goals. “I was forced to be an artist and a CEO from the beginning. Carter line of Reebok sneakers. in some cases. He has a willingness to find any way to achieve his goals. In addition to becoming the President of Def Jam Recordings. I was forced to be like a businessman because when I was trying to get a record deal…it was either give up or create my own company. but the careers of many other superstars.
run some cold water over your hands.Lifemoney confidence. the more likely you are to run into something unpredictable. This lesson points out some useful resources and answers for the troubles you will encounter on your journey. turn on the light. With a little bit of effort and some common sense. Lifemoney Currency "I've found from past experiences that the tighter your plan. What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. do surgery with a pocket knife and 118 ." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. Successful people never hesitate to look for resources that can mean the difference between success and failure. The resources you’ll need to tap into can come from inside yourself or from around you. and I know exactly what I have to do to reach my goals. you can find resources that will make all the difference in your search. They might come from your creative imagination or perhaps from the lives of other people. then slap yourself in the face. “I’ve never felt better! I have a sense of purpose. Either way. You may be thinking. or mediocrity and brilliance. You’re going to need to be resourceful no matter how much you have going for you. 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.
resourceful problem solvers are some of the most open-minded thinkers I know. You’ll have to learn to let your mind go in this fashion. I want to make four suggestions for being more resourceful. Be an open-minded. Take stock of the situation to see what you can do. only to be told something you already knew? Often. you must be the same way. and then brainstorm big. He was the picture of resourcefulness. Relax and think: don’t let the complexity of a problem paralyze you. He was never played out. The trick is to keep your mind focused on what you want. Take time to jot down problems for which you’re seeking solutions. but the natural resourcefulness of your mind will reward you with many great and doable ideas. and when it comes to succeeding in your life. These are four ways of thinking that have made me a better businessman and human being. expensive.Resourcefulness make a computer out of duct tape. and realize that often the reason you’re stuck is because you’re not thinking big enough. Though you may not end up being MacGyver. 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. big thinker. Clever. wild and fun solutions. he could always find a fix to any obstacle he faced using just what he had around him. 119 . these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. Did you ever consult someone about a problem you were having. You can always do something. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. 2. even if you’re unsure of the outcome. Take the time to take stock of the situation and think on your own.
Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. 120 . I have a baby face. Don’t be afraid to ask questions from people who know. and in a moment of wide-open. 3. out-of-the-box resource idea and it worked. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. George and I appeared to meet expectations for maturity and sophistication. And when you come up with all those big thinking ideas – capture them. Once the perception piece of the introductions was achieved. ask over and over again. I was able to pitch my products and services to an open ear. however works best for you – and then review them every once in a while to see if there is one you can implement. 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. who was middleaged and looked more of the part I needed to play. As a team. Don’t look at life with the jaded self-knowledge of an adult. This was a problem. I look a lot younger than my real age. Be a pest. Become four years old again. I was trying to launch my business and wanted professionals and industry experts to take me seriously. As you can see on the cover of this book. over a microphone to your computer. George. Make sure you capture those ideas somehow – in paper. but walk with eyes – and ears – wide open. 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. It was a big thinking. That’s how you learn. I looked nineteen. At twenty-five. big thinking I created a great solution. When attending a high-power meeting I’d take along a good friend.
Book is your favorite word.Resourcefulness You don’t know everything. My dear granddaughter Hannah. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. 4. new skills.htm. You are only two. Here’s a thoughtful letter written to a child from her grandfather. I see problems. You see steps. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him.shaw. You want to paint. It was taken from the web site http://members. I've forgotten how to laugh at blunders… 121 . And in my experience.ca/athomas125/hanna. Look for solutions in the most unlikely spots. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. you can’t know everything. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. I find embarrassment. You want to climb the attic stairs. you see colors. 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 see mess. You want to know everything. I struggle to learn. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. I see danger. Questions are your favorite tools. With wild abandon you tackle new words. hoping to master the computer in one easy lesson or not at all. You love to learn. You find laughter in mistakes.
Lifemoney You are courageous. After talking to one resource person or another. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. you might be given all sorts of misleading ideas. Keep Looking . if it's not too late. Look around for success “MacGyvers” hiding in plain sight all around you. You walk right up to a stranger and smile. asking questions about their perspectives and ideas. And learn to ask better questions and be a better listener. But that comes with the territory. tomorrow you will tackle cauliflower with the same exuberance. At lunch you boldly bite into broccoli. Just keep going until you find the information you really want. These could be friends. and relatives who may have an idea or solution to your problem. 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. Sometimes you may not know where to begin the quest. When you’re listening to an answer. I love you for who you are! Grandpa Dan Dear Lord. Ask questions that seek out detail rather than just yes and no. and though you dislike it. Talk to people from teens to retirees. or information you can’t really use.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. 122 . I stick with the familiar favorites. help me to grow up and become just like Hannah. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. neighbors.
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. Here are four incredible resources. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. If you don’t find an exact match. and read a recent biography of someone you admire or a book on a topic related to your goal. Look at the jackets and back covers for ideas about whether a book will be helpful. you can just read while you’re there. All you need to do is pick a search engine (I use Google. If not. In a larger bookstore chain. Whatever your needs or interests. ask a store associate to order materials for you. There’s no better or quicker way to 123 . find a seat at the café. Don’t be afraid to use all of the resources available to you to gather more resources. Even as there are more and more of us. You can even use full sentences to pinpoint the closest data to your topic search. buy a cup of coffee. 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. try different variations of the same words until you find what you are looking for. 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. often at the press of a button. spread far and wide. spend your time searching for buried answers. You don’t even have to buy the books.Resourcefulness You probably won’t find everything you need in your back yard. technology is bringing us closer together. you should be able to find worthwhile reading. That’s the beauty of the modern world.
Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. Number 3: Check it out at the library: If you don’t have money to buy publications or want to keep them for a closer reading at home. If your library doesn’t carry a book you want see if they can get it for you from another library. 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. You don’t have to buy the product. San Diego. Minneapolis. magazines. You can also get audio books. Most libraries offer this type of service for free. Toronto. 124 . and videos.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. Many companies offer free webinars with noted experts in a particular field as a way to sell their products. San Francisco. and Los Angeles you have the Learning Annex (learningannex. but you may learn a few things from the expert while you participate in the webinar. borrow books for free at the library.com) where they constantly have well known speakers. movie producers and music moguls at your disposal. In New York. Check your local area for something similar. language CD’s or DVD’s (if your goal involves traveling abroad).
Ask the people around you what they know about New York. Be 125 . For example if you’ve challenged yourself to get a great job in New York City. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. Read books and look for television programs.” -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. It is idling in you right now. One life changing piece of advice can make you thousands if not millions. They will teach you how to become financially secure and independent. find out all you can about life in New York and the companies or groups associated with this new job in New York.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. or showing off your playground skills to other kids. That thrill of learning still exists inside you today. you will be able to learn from the experts in that field. waiting for the chance to drive you toward solving your challenges and meeting your goals.
If they don’t have one you want. Often we outgrow our friends. the internet provides an opportunity to meet many like minded people. specialized courses that often cost under $100 and run over a day or several weekly classes. suggest that it be taught in the future. volunteer at a local official’s office and see how it works. • Take a non-credit class. No matter what your interest.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. Consider joining 126 . Most colleges – especially community colleges offer informal. Over time our interests drift and friendships change because your interests no longer match. Check with a local community college or university branch campus for information about these classes. then ask lots of questions. and provide you all kinds of problem solving resources. Rather than ditch your old friends. Learning new things is virtually guaranteed. If you’re planning to write a novel. find a writer’s group or a reader’s club. Listen first. You can meet experts in your field of interest and learn things about your pursuit you never knew existed. • Online Special Interest Groups. work on building friendships with new. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. To run for civic office in a few years. • Join a special interest group. Those friendships can form quickly and be lasting. like minded people that share your intensity in life.
Wednesday and Friday. Consult a community resource center 2. Online chat room--. Community resource center – attend evening sessions from 8 to 9 Monday. assign timelines in which you will visit these places. Visit a local learning annex Once you have these three written down. 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.” -Bill Gates Goal Achievement Exercise O Take out your Workbook. such as: 1.Resourcefulness an online community. Join an online chat room 3. such as: 1. or subscribing to a mailing list of like minded folks. List three places where you can go to find some information that will further your ability to be resourceful. 2.this week I will seek out one interest group related to my goal 127 .
learner and observer. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. Lifemoney Currency “If you are going to be thinking anyway. look for experts in your field. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. Combs applied to Howard University in Washington. D. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings. Before he became known as Diddy. contact authors whose writing style you like and ask them for tips on 128 .com. and found resources anywhere – and everywhere – he could.. If you’re planning to write a best selling novel. learning the industry from the ground up. Uptown Records.C. According to Answers. and while attending. Sean “Puffy” Combs worked in thankless jobs like the rest of us. you might as well think big. those who have already accomplished what you want to do.” There he swept floors and kept his ear to the ground. But Combs was an avid listener. “Already a shrewd businessman through his two paper routes.Lifemoney 3. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. Like Diddy. This is someone who will work with you to set goals and help you make plans for reaching them.
Avoid their mistakes. and other information that might hold clues to the reasons for a person’s success. but people are the ultimate resource. You could contact publishers. 129 . videos. “What is one thing you would do differently?” Study those who are where you want to be. If speaking directly with an expert isn’t likely. if applicable. Look for people who can provide guidance. before you speak to them. You also may want to consult the local Small Business Administration or a retired executive. Or look up a local leader that you might be able to interview or job shadow. and look for readers that can tell you what they look for in this type of book. Make sure that you research these people and their companies. Go straight to those who know the ropes and can share a bit of wisdom. and who won’t turn their backs when you need help. and find out what keeps them going strong as well as the things that hold them back. If you’re a student. get some books about famous people who have already made it in the area where you want to go. find out what not to do. Ask questions like. too. Don’t rely on your own expertise. Books. interviews. libraries and the Internet are valuable. Try other people or be persistent with the ones you really think are important for you to meet or talk with. take a job as an intern like Diddy. don’t be surprised if some don’t return your calls. And. Always be prepared and don’t waste anyone’s time. Look up biographies. There are actually some fields like the music industry where the only path to a real job is to intern. too. When learning from the experts. Don’t fight the system if you don’t have to.Resourcefulness getting published. Learn it first then conquer it.
130 . 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. While making your list. intrigue these people to help you in whatever way possible.Lifemoney Lifemoney Currency “If I have seen farther than others.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. Never forget to take advantage of your network of connections. You’d be amazed how many talented people you already know that could help you along your journey. List three people that you will contact for assistance. No matter what sorts of challenges you face right now. it is because I was standing on the shoulders of giants. 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.
but stick around for the credits after his next movie. might be the director. every one of those people was a resource in creating his latest masterpiece. in this case.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. reach out as often. Don’t limit your dreams by limiting your scope. But there is. and as far as necessary. It’s important to utilize every opportunity. small and large. that can put you closer to reaching your ultimate goals.Resourcefulness Lifemoney Currency “Remember you will not always win. services and know-how you need to create Lifemoney. Very few people succeed entirely on their own. Stephen Spielberg. always tomorrow after you have done your best to achieve success today. 131 . Some days. the most resourceful individual will taste defeat. Try to count how many names are listed at the end of the film. to get the information.
_____ 7. _____ 2. Learning is the beginning of health. but who you know.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. _____ 10. I will network with people I know to find expertise beyond my circle. _____ 5. Lifemoney Currency “Some people say it’s not what you know. Learning is the beginning of spirituality.” 132 . I will read new material that relates to the pursuit of my goals. I will keep my eyes open for a mentor. and observations.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with. _____ 4. I will enthusiastically seek information like a kid. Searching and learning is where the miracle process all begins. _____ 6. and then tally your score. _____ 1.Brad Turk . school or online special interest group. _____ 3. giving yourself 10 points for each checkmark and 0 points for any left blank. I believe learning is the beginning of wealth. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. I will take a class or seminar related to one or more of my goals. find the people you need to know and introduce yourself. I say. ideas. I plan to visit a library. _____ 8. _____ 9. I plan to read an autobiography of a famous leader who inspires me.
I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. He bought the property in 1977 when that part of New York City was in terrible shape. asking big and avoiding the herd mentality. These include visualization.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. Now I want to talk to you about the one Lifemoney skill that might be the most important to anyone wishing success in life: creativity. objectifying your goal. directly across the street from Grand Central Station. looking at things from a different perspective. They are your real wealth. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. your Lifemoney. Trump had no 133 .
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.
it’s time to shift gears and visualize it. Now. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. this proven 138 . Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. Avoid the herd mentality. Your body will do what your brain focuses on. Picture your home office with all the things you would use in a public office—computer. See yourself inspecting the houses. Notice even small things like the shoes on your feet and the color of your clothes. copier. noticing colors of paint and the condition of the neighborhood. step by step. For example. This isn’t fantasy or play-acting. so keep your thoughts positive and stay focused.Lifemoney 5. if you want to get into real estate. You’ll work out the bugs of a process that will move you closer to your goal. or when it becomes increasingly difficult to see yourself in the winner’s circle. If you want to operate your own business instead of working for someone else. Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. and telephone. 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. What’s it worth to you? When you’re ready to give up on your dream. imagine yourself doing it. Visualization is when you mentally create an image of yourself accomplishing the desired objective. fax. it becomes more tangible.
Acquiring anything starts with imagining it constantly. but our brains respond better to the real thing. your accomplishments and your dreams? Some 139 . Do what you can to make a real “object” out of your goal. Look at your workspace. an action you take. There is no substitute for keeping the proper image in your mind at all times.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. Lifemoney Currency “Visualization is daydreaming with a purpose. I have had both of these cars. That is a conscious choice. Do you keep a special object to remind you of your roots. good or bad. and I still have the toy versions to help me remember to make my dreams real. Those that fail to reach their dreams are often letting their positive visualizations vanish. whether at home or at the office. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. I kept miniature models of these cars in my room as a way to make my goal “real” and be an incentive of what I was working for.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500. All success starts in your mind. Why? Because you will create whatever you’re visualizing. Take responsibility to hold those images in your mind. To date. Sometimes having that physical object can help make an abstract idea seem more real.
Who do you think is more positively driven? Around her neck. or another small. This is especially important in creating objects that represent your personal goals. present or future. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. seemingly insignificant object that reminds you of something very important. The object for your personal goal might be something that brings to mind your dream. it should be something that reminds you of and keeps you motivated to achieve your dreams. Queen Latifah wears a key on a chain. The key belonged to her late brother’s motorcycle.Lifemoney people have desks covered with trophies and some have desks covered with bills. A miniature horse that fits in your palm could be the symbol of your future breeding farm. and how important it is to enjoy every minute. an award or commemorative gift. whether past. Real objects have power. and she keeps it near her heart as a reminder of how much she misses him. start collecting those things and placing them around you. It also keeps her motivated and helps as a reminder of how precious life is. Chances are you have a framed photo. They go to the closet and look at the outfit that they hope to wear a few months from now to remind them of their goal. Dieters sometimes buy clothing in the size they want to be rather than what they are now. 140 . If you don’t. the one he died on. Whatever you choose.
” But David wasn’t quite ready to leave. What I saw as a negative. crunched some numbers and while we were sitting down for coffee afterwards. He buys a lot of properties. He asked more questions. It looked like a hurricane had come through and no one bothered to clean up after. my friend saw as a positive. I found out I was going to make ten million dollars for Dumb & Dumber. the actual apartment was terrible. I looked at my friend as if to say. Although I loved the building and the area. it seemed I got the truth out of him. I put that check in the casket with my father because it was our dream together. After bothering the agent. From his perspective it was good that the place 141 . “We’re out of here. I remember him helping me out once when I was looking for a small rental property.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995. just before Thanksgiving 1995. Well. When we went into the place I was very disappointed. I thought I knew something about real estate and I asked the agent how long the place had been on the market. And then. he explained to me that this was a great deal. 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. that was it for me.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. manages some and sells the others.
Liz. 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. Although Liz was happy with the money she made and her success in what she did. 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.000.000 co-op for $175. does medical billing and is the office manager for a doctor’s office. She is good at her job and has been with the same company for over 10 years. How? We were able to get the price from $165. By shifting perspective. Anybody can see what’s obvious but only a few can see potential. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. So try! It is a valuable lifemoney skill that can translate into big cash money.000. My girlfriend. You can do this in your own life. David helped me to see the real value of that deal. 142 .000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. it appeared that I would be buying a $200.000 down to $150. Creativity Factor #4: Ask big There is huge power in learning to ask big. she really wanted a more flexible schedule. Most people who walked in there did not see the value of the place and could not picture what the place could look like.000 and after spending $25. 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.Lifemoney was a wreck and was on the market for so long. She envied my work schedule and the fact that I could arrange my days as I saw fit.
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
_____ 3. and then figure your score. Is there some way to save time or money at your job? Can you trim the household budget? How about trying out a new skill? Most people have a lot of potential that goes untapped. Lifemoney Currency “A problem is a chance for you to do your best thinking. Engage your creativity now by taking stock of your situation. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. and invest the energy in some creative thinking about going after the things you want. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. Don’t let yours go to waste. I seek out new perspectives to old problems. 147 . giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Take the time to evaluate your situation and try a creative approach. _____ 4. _____ 2.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with.Creativity Creativity Summary Why wait for your dreams to happen when you have more time? You will probably never get more time to chase them than you have right now. I can visualize my success through a variety of mental pictures. Remember that one of the most important aspects of creativity isn’t seeing what’s there. _____ 5. I have objects around me that symbolize the success I seek. Make the time. but seeing what’s not there.
_____ 8. I know when I ask boldly. _____ 10. I keep asking bigger questions to spur my creativity. I make detailed mental images of what I want. doesn’t mean you can’t do it. hasn’t been done or looks like it can’t be done.” -Brad Turk 148 . _____ 9. I avoid the herd mentality at all costs. I will use creativity to help me attain my goals. Lifemoney Currency “Just because something isn’t being done. _____ 7. great possibilities are created.Lifemoney _____ 6.
149 . So learning to interface with other people is vital to realizing your goals. Understanding how others work and the mechanics of how they think will be crucial in gaining the support you need to get what you want out of life. professional and powerful way will not only aid you in achieving your objectives. everyone benefits” -Daniel Goleman Overview I am going to introduce you to my very simple and powerful twelve-steps to becoming a more persuasive and accomplished people person. Using people skills in a competent. getting others involved will be a major key to your success. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. if people get better at these people skills.People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. but it should make your life experience more rewarding as well. For almost any goal you may have.
from being a salesperson. He was always late. I knew first hand. that same uncle died again.Lifemoney While I was at MCI. Amazingly. She was self motivated. I knew she was a hard worker. I quickly realized that to deal with people effectively you really need to understand what motivates them. During that time. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. I saw from past managers that I have had. who he missed that had passed away about a year before. and that I could not work her harder than she would work herself. I had a salesperson who was one of the most charismatic people you could meet. On the other hand. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. that she would get the sales in. He once told me about his only uncle. or had an excuse for something going wrong. I had one rep who was just like I was as a salesperson. that we are all different and had different needs. that one of the biggest problems in how they managed was that they had a uniform way of doing things. As an example. Using my Lifemoney Lesson # 8. and he needed a couple of days to 150 . I did for her what I wanted my sales manger to do for me – I stayed out of her way. Their “House Rules” were specific to how they thought a salesperson should be. He had so many excuses that he was losing track of them. I worked as a manager for a short period of time. They were men and women of different races and backgrounds. hard working and considered her sales position as her own small business that she was managing. I provided them the resources to work in an environment where they could thrive. I was managing a staff of 8 sales people who all had extremely different personalities. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). out sick.
I micromanaged him. some I still have to this day. So to get the most out of people and to win them over to your cause. but it allowed me to really connect to my reps and form lasting friendships. He later thanked me for helping him. 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 . especially when it comes to dealing with people. Be as specific as you can. Think of a past problem you had with a specific person.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. and told me that he needed that treatment to get him where he wanted to go. Anyway.People grieve. Are you a people person? Few of us respond to every situation in perfect form. I treated him how he needed to be treated. Shared sorrow is half a sorrow. Not only was this experience a financial success for me. you need to know what their needs are. and at least once every day gave him a swift kick in the ass. Lifemoney Currency “Shared joy is a double joy.
of preparing yourself to deal with people rather than doing so on instinct or history. For relationships to be mutually valuable you must build a bridge that goes two-ways. The primary way we communicate with others is through conversation. Get into the habit. Lifemoney Currency “Every one of us gets through the tough times because somebody is there. Step # 1: Be a Good Listener People want to be heard and understood. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. 152 . there are lanes for incoming and offloading traffic. When it is your turn to listen. even dealing with people – especially dealing with people – requires proper planning. Conversation involves someone speaking and someone listening. Success doesn’t happen by accident. standing in the gap to close it for us. everything.” -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. Listen. do not speak. or rhythm.Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future.
listen with a reason. Because I took an interest in him. people like people who like them. If you want to win them over. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. advice or assistance. he took an interest in me. Everyone’s favorite topic of discussion is themselves. Ask questions. it seemed as if we did not even speak about me. Step # 2: Take an Interest in People When you listen. this guy not only offered me the job. let them talk about their skills. Let the other person speak – while you LISTEN. Be enthusiastic about what they are talking about and who they are. 153 . It turned out to be a win/win for us both. You can’t learn from them if you’re talking. Watch for opportunities to offer empathy. 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. at the end of our meeting. I asked the interviewer a few key questions about himself and what had made him successful in his career. we did not get to discuss my history. At the beginning of the interview. not just another segue to a story about yourself. Try and put yourself in their shoes. Again. He was so excited to talk about himself and his experiences that at the end of an hour. Yet. When you talk to others. Smile. find out about them. If you really take an interest in what they are saying you might learn something. Keep in mind he found me so interesting and I barely said a word. I will tell you a funny story about a job interview I once had. their needs and their accomplishments. Although I knew my resume would be suitable for the position.
it might be. at first. They’re getting enjoyment out of reliving an experience or sharing an insight. 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. Have faith and patience that the longer these relationships last. Even though you can relate to the story because of your expertise. Don’t take that away by changing the subject to you. 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. 154 . brag or whatever they wish. the more two-way they’ll become. the more they’ll learn by example and start paying you back– by listening to YOU. If this sounds fairly one-sided. Let the person tell the story. Step # 3: Don’t Undermine – Understand It’s easy to criticize.Lifemoney Let’s say that you are a very good racquetball player. Try it and see how it works. Some people are just genuinely grumpy or mean – but these people are not the majority. but it’s much harder – not to mention more important – to try and understand why people make the mistakes they make or take the actions they take. you only aggravate yourself. But the funny thing about building these bridges is they work both ways. But you need to be genuinely nice. and telling your stories. In building up conflict instead of offering genuine kindness. 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. Most people react in a negative way due to circumstances. you don’t have to interject your knowledge or skills. The more you listen to others. Let the other person feel important and appreciated. and someone you are talking to tells you about a game of racquetball they played.
There. Then the boss yells at you for being late. 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. Maybe you weren’t feeling well. a fancy carriage pulled up to the Scotsman’s sparse surroundings.” 155 . The next day. On the way to work you get stuck in traffic due to road construction. screaming and struggling to free himself. “I want to repay you.winstonchurchill. and he was a poor Scottish farmer. 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.org/i4a/pages/index. Farmer Fleming saved the lad from what could have been a slow and terrifying death. even though you typically arrive on time. while trying to make a living for his family. One day.” said the nobleman.People Think back to a bad day you had recently. “You saved my son’s life. Crazy things happen when you reach out to people and pay some kindnesses forward. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. His name was Fleming. he heard a cry for help coming from a nearby bog. was a terrified boy. 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. mired to his waist in black muck. He dropped his tools and ran to the bog.cfm?pageid=102.
The name of the nobleman? Lord Randolph Churchill. I can’t accept payment for what I did. Years afterward. I know it is because I never really made a true attempt to focus on remembering them. and went on to become known throughout the world as the noted Sir Alexander Fleming. in time. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. the same nobleman’s son who was saved from the bog was stricken with pneumonia. What saved his life this time? Penicillin. 156 . Farmer Fleming’s son attended the very best schools and. If the lad is anything like his father.” the farmer replied proudly. At that moment. Mary’s Hospital Medical School in London. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. Let me provide him with the level of education my own son will enjoy.” the Scottish farmer replied waving off the offer. he’ll no doubt grow to be a man we both will be proud of. graduated from St. “Yes.” And that he did. the discoverer of penicillin. “Is that your son?” The nobleman asked. the farmer’s own son came to the door of the family hovel. This not only looks bad. and it’s a little bit insulting. His son’s name? Sir Winston Churchill.Lifemoney “No. but I think people can tell when you don’t remember their names. “I’ll make you a deal.
” Another popular technique is to associate their name with something visually unusual. it’s easy. Brian. the value of the proposed deal. “glad Brad. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. One idea is to repeat the person’s name out loud a few times during the introduction.” You get the idea.People I would suggest you develop a system that helps you put greater effort into this huge priority. These little tricks work amazingly well and are well worth the time it takes to practice them. 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. If their name is “Brad” and they look like Brad Pitt. nice meeting you. Brian. “Nice to meet you. But if they look like they’re very tired and sad. you might think “sad Brad” or if they look happy. Again. Where do you work? Is that right? Sounds interesting. Let’s talk about that sometime. they will be interested in helping you in exchange. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. but I will stress what’s in it for them: a great rate of return. For instance. Let’s say for example that I need help with financing a business deal that’s important to me. the intangible benefits of having their name 157 . 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.
and how can I give it to them?” I am not saying you can’t get help any other way. stupid and embarrassed. when they did help. I’m always thinking “what do they want. how 158 . offer to help. 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. but the level of intensity – time. too.Lifemoney associated with the project. 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. the fun we can have together as a team. inferior. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. energy and commitment – will be that much greater if you provide people with something they want. 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. The winner of an argument in real life is often the loser in the relationship. That only happens in courts in front of judges. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. Remember that getting the support you want depends in part on providing others with what they need. a case of beer or concert tickets. whether a free meal. they would have behaved differently. …you get the idea. If a friend is remodeling a kitchen. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. a coworker or a friend. All you will do is make the other person feel bad.
people argue because they are hurt. Often. I make a big distinction between arguing and disagreeing. Don’t give advice unless it is requested. be self-controlled. Speak from a calm center. no one is impressed. Don’t brag. Disagreements on the other hand can be powerful sources of new information and a chance to grow. upset or just want to communicate with someone they care about. 159 . Think about someone in your past that pushed unwanted advice on you. Always try to look inward to the core issue.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. even if it’s negative communication. Think your words through. Show. do nothing but harm. Arguments. don’t tell. Let others mention your accomplishments before you do. 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. and even then be careful. Don’t act rashly or lash out. Step # 8: Think Before You Speak In any discussion. Don’t speak out of anger. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. particularly defensive and mean ones. aggressive individuals that think they know it all. be it personal or professional. Keep in mind that everyone is born equal and deserves to be treated that way. Relax. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. Wait for your opinion to be asked before shoving it at someone.
Some of those mistakes will be at your expense. but we all have problems. It makes a deep and lasting impression that money can’t buy. Look people in the eye and give them respect when you speak to them. This may seem like a small thing. Don’t cry or whine over any of this. Just remain calm and don’t shoot your mouth 160 . 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. You would be surprised how far all of this will take you in building relationships. but received no sense of appreciation. Or you might have helped a coworker with a difficult project. Step # 10: No Whining Allowed No one likes a whiner. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. Take courtesy even further. It’s not that your problems are unimportant. What make yours so special that you should complain loudly? Don’t tell your problems to people unless they are directly involved with the solution. Can you look back on a time when you did something nice and the person didn’t even mention it? Maybe you mailed a gift to a relative.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. Shake hands firmly and introduce yourself when around new people. From time to time you may even take the blame for something that isn’t your fault. Always say please when asking for something. lower your expectations of others and increase them for yourself. even after working hours of unpaid overtime. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. but he never called or wrote to say thanks. To get along in this world without becoming an irritating whiner. Everyone makes mistakes and will disappoint you at some point. but it’s extremely important.
to a successful person. The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. As I mentioned. being late is a sign of disrespect for someone else’s time.People off and burn bridges. especially in business. If you can’t be trusted on one issue. You never know when you might have to go back the way you came and deal with that person again under better circumstances. Even if it is just to arrive to a meeting at a certain time. time is their most valuable asset. Also. I know this is extreme and there are times when being late can’t be avoided. 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. 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. Step # 11: Your Word is Your Bond Do what you say you are going to do. chances are your credibility will be shot for all that you do. 161 . I had an appointment with someone and I showed up 15 minutes late. Your word means everything. but this true story illustrates how sensitive some people are to lateness. more opportunities will be sent your way. When people know you are dependable.
but you have to put first things first if you ever plan to reach your goals. You probably already know who some of these “avoidable” people are. It could be a friend who is always cooking up a crazy idea that never gets out of the starting gate. It’s not that you can never enjoy recreational time. while your reputation is merely what others think you are. put you down or turn you off. If you don’t like 162 . Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return. or that costs you plenty when it does get a running start. because your character is what you really are. To get rid of the people who will hold you back. like fishing or playing cards.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. They can be so-called “pals” who don’t believe in you. 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.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. They might be an older brother who sets a bad example with his drug use or gang activity. or who tell you to give up because you have more important things to do. If it’s someone who is really just negative and brings you down. Problem people often hide in plain sight. don’t be afraid to cut ties totally. They may be hardheaded bosses who refuse to think out of the box. politely let them that you will get in touch when you have time.
If they’re nearby. Either way you’ll know these motivators because you’ll feel an instant attraction to them. quite literally. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. make sure that you’re always riding the right bus for you. 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. or they may be a total stranger. cling to them. They’re a little harder to find. They might be a good friend who listens while you describe the goal you want to reach. Either way. seek them out. In fact. the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. you must also make room in your life for the motivators. as well as your plan for getting there.People where the bus is going or you changed your mind in the direction you want to take – get off. And the more you hunt for them the more they will be attracted to you. Find a new bus or another means to get there. Just as you must get rid of the people who will drag you down. 163 . A motivator can be anyone who trusts you to follow your dreams. It might be a mentor who leads by example or. It’s not quitting if you’re the one doing the choosing. if they’re far away. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. it’s simply a move in a new direction.
keep using it until you don’t think about using it anymore because it’s so natural. 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. Don’t move off to try another one until you’ve seen results with the first one.Lifemoney Lifemoney Currency “Get around the right people. This is the best way I know of to master this list. In fact. Then magic happens. What’s the best way to learn them? Choose any one of these and use it today. Lifemoney Currency “One skill you act on is better than 12 that you don’t.” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson.” -Brad Turk 164 . Associate with positive. goal-oriented people who encourage and inspire you.
I understand the value of tolerance when dealing with difficult people. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I don’t whine. eventually. I am taking an active interest in people _____ 3. _____ 8. _____ 6. I try to stay calm and avoid arguments. _____ 9. I have a good sense of which people to pursue and which to avoid. I am learning to be a good listener.People Millionaire’s Checklist: Check all the items below that you agree with. and I often make efforts to give without expectation of receiving anything _____ 4. _____ 10. _____ 2. _____ 5. I keep to my word. I make efforts to express appreciation and good manners to others. Lifemoney Currency “Find people to make up for your lack of know-how and. although I can politely disagree. you WILL know-how.” -Brad Turk 165 . I always remember the “what’s in it for me” rule. _____ 7. and then tally your score. A huge part of receiving is giving.
That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction. What you believe you’re going to get in life is pretty much what you’re going to get.Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones. This talks about some of the things I’ve found useful in creating a positive mind. whether you believe you will or you won’t – you’re probably right. Where’s Your Head At? Which of these statements sounds most like something you’d say to yourself: I am going to reach my goals and fulfill my dreams! or I am going to try to reach my goals but it’s going to be hard because… 166 . you'll start having positive results.” -Willie Nelson Overview Someone once said. a well maintained attitude and a “no excuses” outlook.
The Multi-Millionaire Blues A good example of how attitude. her money. it appeared she had everything that a person could want. you create road blocks that stop you from achieving your goals. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. or the fame of her dad but everyone in school wanted to be near her. From the outside looking in. happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college. believe that it can happen and know that you have what it takes to make it happen. If you focus on the negative. and whichever direction you take in your mind will probably dictate your destiny. 167 . I saw her complaining everyday about what I thought were very trivial things. if you focus on the positive. 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. Her father had been an executive producer of some very well known films.Positively Thinking Do you believe you can reach your goals. I don’t know if it was her beauty. 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. On the contrary. He was both successful in his field and wealthy. You just have to know that you’re heading in the right direction. It appeared that everything annoyed her and she was never happy. I was amazed to see how miserable she was. When I finally had the chance to meet her personally. or do you think that it probably won’t happen for you? This question is like a fork in the road. I figured she would have far fewer worries than other people! In getting to know her.
you do have complete control over what you choose to think. They complain about all the ways in which other people or circumstances are standing in their way. do. But you may also have skills and opportunities for turning the game around and coming out a champ if you will only take the time to believe in who you are and who you will become if you reach your goals. “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. 168 . what you attract into your life and your ultimate success. You might feel as though you are destined to continue the long line of defeat. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. It’s not what you have but how you perceive things that really counts.Lifemoney I stayed away from her negativity and did not associate too much with her. Maybe you come from a family with many losers and too few winners. Maybe you will be the one family member who can show the others that success is possible? That would be a wonderful Lifemoney gift to give them. I heard a few years later that she had attempted suicide. and say. 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. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. Though you have no control over the actions of others. focus on what you can do. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. So don’t worry about what you can’t do.
there is nothing stopping you from becoming all that you dream of becoming. If you catch yourself repeating the complaints above. You dream 169 . turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. Change the channel and play the role starting now. I want you to understand that you’re holding the remote in your hand to switch to that channel. Lifemoney Currency “Just can’t live that negative way…make way for the positive day. You have even more desire to do better than others may have. so use it positively. you better change your mental channel. In America. What makes you different from any other human being? Nothing! You should be able to attain all the things you want in life including your dreams. If you feel yourself beginning to argue with me.” Your mind is yours.Positively Thinking Practice turning negatives into positives. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. I was able to become wealthy. You have the resources others don’t have. 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. It starts in your head with your mental remote and plays out in reality. STOP! Forget the excuses! If you grew up poor – good.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. If you grew up wealthy – good.
you work hard to get it. write down a lesson you learned from this failure. 170 . that had to be coupled with hard work and long hours in the gym. you implement your plan.Lifemoney it. you have a smart plan. and owned the feeling of a champion. took it on as his personal goal. and explain how you will avoid one of those failures in the future. This is the way you turn negative experiences into a positive ones. 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. This attitude and confidence spread and led everyone else to believe the same. He visualized it. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. Arnold Schwarzenegger went into every competition thinking he was the winner. Also. Failure can be a very positive experience if you dig through it to find a good lesson. Get your mind on the right channel and the body will do its part to follow the plan. but he said that all the intense effort and workouts did not give him the extra edge that he needed. Failing does not make you a failure if you let it teach you lessons. The mind rules over every part of the body. List five failures that caused setbacks in your life. Do it and watch how your outlook brightens. and guess what? It’s yours. Obviously.
It usually doesn’t happen overnight. a Donald Trump in real estate or a Jay-Z in the studio. Understand that a positive mindset happens first. 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. 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. would you handle things differently? If so. Looking back have you been a complainer or a fixer? If you had it to do over. but it does happen.Positively Thinking Lifemoney Currency “Many of life’s failures are people who did not realize how close they were to success when they gave up”. Which have you been? Be honest with yourself. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success. Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by. Negative people complain about things and positive people fix things. -Thomas Edison Don’t Complain . But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking. They have a mental certainty that what they’re doing will lead them right to where they want to be.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. If you want a piece of the action.
get it in positive ways by becoming an encourager. Make a mental note not to miss these kinds of opportunities again. Begin using positive thinking to search for new ways to impact your life. and a role model. People are much more likely to admire and support you if you adopt this mindset in your everyday life. How do you do that? You’ve heard me say that we cannot always control the events in our lives. Positive thinkers are always focusing on ways to positively impact their world.Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. like drawing. 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. stay open and be ready to jump into action. and get frustrated. Why? Negative thinkers typically think that they’re stuck and will be miserable forever. Instead of whining about what you don’t have. 172 . start looking for what you can get. an inspiration. that a former teacher encouraged because you secretly had no confidence in your ability. Begin positive. If you want people’s attention. The solution is to stop complaining and fix your attitude. The same is true about anxiety. especially if it was a thought that stopped you. Is stress holding you back? Stress is often closely linked with a negative mental attitude. did a previous employer offer to pay the tuition for you to return to school. and never feel played out. but we can control our responses to them and the actions we take as a result. These are all signs of a distressed and negative mindset.
Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. Lifemoney Currency “Attitude is a little thing that makes a big difference. make a new list of potential opportunities for the future. These could include lost academic. developing new skills.” -Winston Churchill 173 . Make the list with a new sense of optimism and hopefulness. Include options like going back to school. 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. or relationship opportunities. That’s a great first step in positive thinking. overcoming a bad habit. anyone can start from now and make a brand new ending. cultivating new relationships (or restoring old ones). Make a list of opportunities from the past that were missed due to negative thinking. employment. When you’ve completed this list.” -Anonymous Goal Achievement Exercise U Take out your Workbook.
Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. or at least their little piece of it. Positive thinking sets them on a course for achievement.” -Lou Holtz. 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. 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. 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. broadcaster 174 . Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. who minus sight and hearing became a model of inspiration to others. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. Helen Keller. football coach.
Most people don’t remember what even great speakers say! Besides. What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. so you’re already way ahead of them. And if they did laugh. Then take on life without apology or embarrassment. so what? Who cares? Besides.Positively Thinking Worst Case . What’s the worst thing that could happen if you failed? Is that really that bad? Would you get over it if not immediately than eventually? Let’s say for example that you were afraid to give a speech in front of a group of people.Best Case Try this experiment to create more positive thinking. who is going to think twice about your errors after they arrive home that night? It would never happen. Instead think in terms of best case/worst case. You may submit a proposal and wait months before 175 . Lifemoney Currency “The only disability in life is a bad attitude” -Scott Hamilton Keep It Moving Unlike a great speech where you get immediate feedback. So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. Think about something that you are afraid to do because you think you might fail. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. Don’t be intimidated by life situations like this. most people in your audience would rather die than speak. many of our efforts don’t bring immediate results.
Lifemoney getting a reply. Unless you’re prepared to wait. The way to get over them is to keep it moving until something positive does happen. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. Without those first small steps there could be no end result worth noting. Everyone faces down times. This relationship is going nowhere. She’s probably like all the others. lack of feedback can lead to negative thinking. Think of it this way: you’re going to have to spend the day in some way. productive and get something done? Eliminate Negative Self-Talk A huge part of controlling a positive thought process is by eliminating ongoing negative self-talk. Teach yourself to stay positive even if nothing great appears to be happening and keep it moving anyway if it is helping you reach your goals. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. why not be positive. 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. Stay positive by remembering that lesser. 176 . It’s time for a change. unrewarded accomplishments often lay the foundation for building to higher levels of achievement.
it may seem unreachable at first. going back to college at 40. 177 . the faster your mind will change into a direction that goes forward. or climbing to the top of your profession may seem unachievable at first. Create a Repeatable Success Thought When you set your sights on a distant goal. especially if others are telling you it won’t happen. I’m going to call her and plan something exciting. But that is the time to push the envelope to reach your dream. 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. Really look carefully at these statements for a moment.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. For example. Or maybe the girl has a habit that reminds you of someone you used to date. The idea is to simply stop thinking negatively and to find something good to say “yes” to. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. We ought to try a little longer in case this turns out to be something good. They rob you of positive energy and momentum. The key is to quickly counter the negative talk the instant you recognize it. trying to get into graduate school. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown.
” (Too short and vague) 178 . Nothing can block my success. Make your success thought as specific as possible.” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence.” (Too long and detailed) 2.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. Be specific and limited. “I plan to stop spending too much money and will close all my extra credit card accounts and only carry cash when I go shopping. the sooner you will believe it. Goal Achievement Exercise V Take out your Workbook. The more you say it. and repeat it often. I will speak up at today’s meeting. write down positively phrased replacement terms you can use as success thoughts. Don’t write long sentences or anything that is too short or vague. “I’ll stop spending. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1. I will take my wife to Hawaii next year. To avoid negative self-talk and track negative thoughts. I do not need second helpings. I call these “success thoughts. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes.
When you fall down. “I’ll pay my balance each month.” (Positive. “I’ll use just one credit card. it’s how you view them and what you do about them that matters. and you have to fight. Instead. Lifemoney Currency “Anything is possible. but the important thing is to think positive. update the success thought for a related goal. specific and helpful) 2. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. but you have to think 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. detailed and valuable) Use your imagination to come up with more positive statements like these. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance.” (Positive. pre-recorded message that reminds you to stay on track. 179 . such as. “I won’t charge more than $50 weekly.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. After a few weeks.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. Everyone makes mistakes.
Think about the things that are positive in your life.” 180 . Keep focused on what you want. Don’t let anything keep you from getting it. remember that you are responsible for how your life turns out. Although others may have held you back at one time or another or you may have to seek help to reach your goal. 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. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains.
” -Brad Turk 181 . I will act as if I’m in the role I want to play. giving yourself 10 points for each checkmark and 0 points for any left blank. with the waiter on his way over to fill it up. _____ 2. and then tally your score. _____ 4. I will continue viewing myself as a winner. I can see how past accomplishments have prepared me for the future. _____ 3. I keep moving ahead even though I’m not getting immediately rewarded. to fix my situation. proactive thinking. I will not let others’ pessimism interfere with my plans to reach my goals. I view the glass as half full. _____ 5. but rather. Lifemoney Currency “Some view the glass as half empty. I am making consistent efforts not to complain. some view the glass as half full.Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. _____ 6. I refuse to hold on to negativity and past misbehaviors. I am learning to manage personal and job-related stress by positive. _____ 10. not a loser. _____ 1. _____ 9. I am watching for opportunities to say yes to. _____ 8. _____ 7. I repeat success thoughts to myself as often as possible.
” -Evel Knievel Overview Few of us do well with sacrifice. it just doesn’t come naturally. When you recognize that sacrifice is frequently a part of success. I forget all of the things that have broke. Not true. We want it all. 182 . They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. But I have broken 35 bones. I shattered my pelvis. it turns denying yourself into investing in yourself. We want it now. They say I have broken every bone in my body. If we could find a way we’d have it yesterday. Successful people know that dreams don’t come pre-packaged overnight. I had surgery 14 times to pin and plate.
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.000 to make the movie and it grossed $7. Ask filmmaker Spike Lee. store or business. Within a generation.000 in domestic box office sales. sleeping just a few hours a day. But if that was the only way.100.000 in sales. sacrifice is often a part of any success story. Many immigrants come to this country with nothing but the shirt on their backs. but I can tell you that Spike would probably say yes. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying. rigorous job to get where they want to go. It cost him $175. some become millionaires. Spike Lee knows that sacrifice can pay off . off the ground he did just that. This much I can tell you.big time! Big or small. you have to make those kinds of sacrifices. there are people who were born in this country who complain about the lack of jobs. would you? 183 .Sacrifice Borrow. Why? Because they work hard. In 1986. Yet. grateful for the opportunity to have all the work they can handle. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants. They are simply unwilling to sacrifice anything to get where they want to go. I will tell you right off the bat that I wouldn’t be. 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. It’s a real risky strategy but sometimes when you believe in something strongly enough. She’s Gotta Have It. Some work two and three shifts for years at a time. They lay everything they have on the line. saving every penny to open a restaurant. to get his first film project.
took a job as an insurance salesperson straight out of college. There were no shortcuts to success. Pulitzer Prize winning political cartoonist.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. Ask yourself the following questions: • • • • What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. Lifemoney Currency “Judge your success by what you had to give up to get it. He had to sacrifice his nights and his only free time in order to get where he wanted to go.” -Dali Lama Sacrificing for Success Mike Luckovich. 184 . at almost any cost. 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.
or he might have gotten discouraged and given up. What do you have in your life now that is expendable. Jr. You have to be willing to do whatever it takes to claim them. For example. I am committed to helping you get where you want to go. List the tradeoffs you are willing to make to reach one of your goals. They are costly and precious. improving the lives of millions of people. He could have taken the easy route to avoid jail time.. and I can’t make up your mind for you. etc. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode.Sacrifice Martin Luther King. Ideals are not cheap. if becoming more physically fit is one of your goals. Goal Achievement Exercise W Take out your Workbook.. and/or enjoy that you are willing to part with in exchange for your goal. Choose one of your goals and write it out. 185 . Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. and giving up your weekly poker game to play tennis. or is your goal just a casual want? Only you know. $100 per month for a gym membership. spent months in prison rather than surrender his belief in equal rights for all people. But he stuck with it. and you will have to be ready to give it when the time comes. 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. have. However. Below the goal you just wrote. your sacrifices could include six hours of your time each week for daily workouts. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return. list three things you now do.
they will mean the world to you because of what it cost to reach them. there would be no effort or cost attached—and they would mean very little. Which one do you think 186 . 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. But after years of careful thought and unwavering perseverance. One is given everything by rich parents who buy her everything she needs and most things she wants. When you get enough. Whether it costs $20 or $200. Ten years later they both have good jobs – the first in her own company funded by her parents and the second in her own company that she scraped together every penny to start. Imagine a scenario of two young women.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. Success has value because you have to work for it – you earn it. You can view your goals in the same way. They’re both chasing the same dream: business success.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. 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. If you could just reach out and get them today. presenting it to your friend or loved one with a sense of tremendous accomplishment.
• • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. Period. or run into problems. etc. and sacrifice to reach this goal? Here are some of the possible “costs”: • Give up an hour or more of sleep to work on my plan (get fit. In planning for your future. Are you ready to figure out what it will cost in time. But no plan is complete without counting the cost of reaching your objectives. Develop a needed skill through a second job. write a book. Get feedback from those who already have accomplished similar goals.” Do you feel that way about your road to success. 187 . Find the non-essential time-eaters in my life and eliminate them. Why does she appreciate it more? It’s common sense that when you pour out your own blood. You’ve probably heard the saying. Invest a certain amount of income toward reaching my goal(s).). you have already begun to outline some of the goals you hope to reach and have created a plan to get there. or taking a class. That cost is part of the joy of success. Put less important things on hold. “anything worth having is worth working for. 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. at least temporarily. volunteering. have a question.Sacrifice appreciates the success more? You know the answer. money. Seek help when I get stumped. sweat and tears for something you’ll own it in a way that nobody else can appreciate.
you will have enough for today and tomorrow. What percentage of your daily schedule do you devote to working toward goals? Are you so preoccupied with getting by today that you haven’t given much thought to the days that will follow? You really must plan on setting aside between three and six months’ of income in case of a job loss or disability. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. If you spend all you have. It’s a simple fact of life. but less than twenty percent of the population do so. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. But if you save and invest it. too. 188 .” -Sidney Howard Number 2: Delay gratification Sociology experts tell us that one of the differences between the lower class and the upper class is the ability to delay gratification. The wealthy will have enough from current savings and investment plans.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. there will be nothing left. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. Underachievers live for the day and overachievers live for the future.
Goal Achievement Exercise X Take out your Workbook. list something you will get done before you have your fun. When you think about it. or at the end of the month. we collect paychecks every week. many areas of our lives undergo postponement. Make sure that those things on your list are things you really want to do. List two or three fun things you want to do today. All of these things take patience. go shopping. Instead. Do this exercise well and discover how much more you get done and how much better you feel. Often we don’t find out about a medical test result for several weeks.Sacrifice Delaying gratification is something you get used to. play tennis. In other words we’re doing it anyway. etc. eat some ice cream. For example most of us don’t get paid for our work at the end of each day. Let’s build your ability to delay gratification. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. which in the end brings it own kind of reward. watch your favorite television program. every other week. Then underneath each item you expect to give yourself today. almost any achievement in the world will become immediately more achievable. This might challenge you and be a little difficult. List one or two tasks you will have to complete before you get your reward. It might be go for a walk. When you have successfully conquered the need for instant gratification. 189 .
So do it. Most of us lead busy lives. say $25 per month. Depending on what you hope to achieve someday. the results will come. and social activities. making community contacts. and it may seem difficult at first to find enough extra income to make regular deposits. Because I know if I do. Many goals that seem hard at first become easier once you get momentum established. so you will never miss the amount of each savings account deposit. Devote fifteen to thirty minutes several days a week to your goals. setting aside time for future rewards is like making deposits in a savings account. But actually. you can arrange for a direct deposit straight from your paycheck. especially if you begin with a reasonable amount. family. But with a little effort.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. But you won’t know that until you pull the trigger and get moving. The same is true for working toward your future goals. pulling the trigger and going for it. I don’t do things half-heartedly.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. We barely have enough time to get through a typical day with the demands of work. You may be reluctant to open a bank account. Just do it. this could involve reading. Start small. then I can expect halfhearted results. doing 190 . Finding time to work on long-range goals may seem impractical.
Whatever it is you must give up. fully aware that not all of it will produce rewards. For example. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. do it. But if you keep pulling the action and sacrifice trigger. if you want to get involved in local government. Remember that one of the keys to success is to learn everything about the role you want to play. You put in 191 . of course. you may need to first attend some political rallies. Naturally. Pull the trigger already. 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. that if you can’t tell which half. from the inside out. Life is a bit like that. And keep pulling the trigger at each “next” level of achievement you’re taking. so pull the trigger now and get your show rolling.Sacrifice volunteer service. Whatever your goal. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. or volunteer as an aide to learn the ropes. this means you’ll have to give up something in exchange for this valuable daily time. then you have to keep on doing the whole lot. 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. you will be rewarded. Everyone has to pay their dues as they work. keep in mind that you may have to work through several levels of effort to reach them. visit with your representative. Sometimes it seems unfair.’ but he didn’t know which half. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. His point was. None of those tasks took a long time – but each one was a step toward realizing a goal.
engraved there to inspire the youth of that school. Your efforts will be rewarded eventually. The lesson is that you must continually give 100% effort in the direction of your dreams. I know it isn’t fair.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure.or for what -. 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. but you’ll probably never know which efforts are being rewarded -. It’s a simple lesson that has never failed to produce great results for me. you have to keep doing the 100% because you don’t know which bits will pay off.Lifemoney loads of effort and get nothing back. You work up a sweat. It reads: 192 . and anyone with a dream must learn to live there. This is the shadowland of hope. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work. and others cruise it. You’re polite to people and everyone seems rude back.and which aren’t. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. but then life isn’t.” This quote summarizes a great lesson I’ve learned throughout my successes. Well.
and then force ourselves to work hard for them. an Irish cop played by Sean Connery. 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.” The emphasis is on the preparation. It’s not nearly as bad as you might think. we have to figure out which ones we want most. and someday my chance may come. In addition. then he dies.Sacrifice “I will study and get ready. But show me someone who has achieved their dream without it. What are you prepared to do? 193 . Those people just don’t exist. 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. if you build your Lifemoney. Good things don’t just happen to us. The good news is that if you’re in love with your dreams and want them so badly you can taste them. Sacrifice is sort of the dirty word of success. but they rarely do. Nobody wants to hear about effort and work and sweat. 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. In the movie. one of Ness’s fellow agents. One of my favorite movies is The Untouchables. the whole process of success becomes easier. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. Maybe they should. At the climax of the movie. having been mortally shot. the work doesn’t seem like work. Are you prepared to follow this through. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. Instead.
Keep your eye on the prize and focus on what you’re going to get in return.” -Wayne Gretzky 194 . What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes. at almost any cost. No one likes to sit around wondering what he or she has to give up as an investment in a dream. But if you keep putting in the effort. and some require harder work than others. Be prepared to give up more of what you have to get more of what you want. Most do not pay off immediately. the payoff will eventually be seen. focus on “what am I going to get in return?” Investments of time or money are long-term deals. to reach out and grab your future? Don’t spend the rest of your life wondering what might have been. Only you can decide what you are willing to give up in reaching your goals. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in. But don’t dwell on the negative aspects of “what do I have to give up?” Instead. In the end. sacrifice pays off.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success.
_____ 4. and then tally your score. _____ 1. _____ 6. I am learning to delay my gratification for both the present and the future.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. I am prepared for life. I believe that planning for the future is as important as getting by today. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 2. _____ 3. Some of my goals will require that I hang tough. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . _____ 7. _____ 9. I have calculated my goals’ financial costs and scheduling adjustments. _____ 5. I am willing to pay the cost that is required for me to meet my goals. I have identified several things in my life that I must sacrifice for success. ____ 10. _____ 8. I am pulling the trigger on my talent today. I will put forth 100% effort at all times. I am willing to set aside less important activities to focus on my goal.
Yet our lessons come from the journey. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. 196 . By patience. not the destination. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. It is the ability to let go of the need for immediate gratification. tension or frustration. I mean the ability to sit back and relax while waiting for an outcome.” -Don Williams. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results.Lifemoney Lifemoney Lesson # 11: Be Patient and Enjoy the Journey “The road of life twists and turns and no two directions are ever the same. without experiencing anxiety. J Overview Having patience is a key ingredient to successful living.
this task has two many steps. 4) I hate having to do or say something more than once. without which you are going to suffer. which can be very destructive. I’m going to move on to something else. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. 5) If something doesn’t work immediately. This can further result in losing important things like business relationships. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say. There are many negative consequences on health. you need to be patient and wait for your results.Enjoy the journey 2) I will never get to all the things I have to do. When you force efforts. which is a powerful force that gets things done. Accept that you don’t need to rush things ahead of their time and keep the belief that your day to day efforts will pay off in the long run. relationships and personal growth when you lack patience. 3) I can’t stop for even a second until I reach my goal. the results just won’t last long. But I am careful to differentiate urgency. How do I differentiate the two? A sense of urgency is a good and powerful 197 . When you stress yourself to create results too quickly. This is one of my personal flaws that I am working on. unhappiness and sometimes even anger. you run the risk of anxiety. I have to be honest with you: I happen to be a very impatient person. jobs and friendships. It’s as if patience is a simple building block of satisfaction. Gradual change and growth give you the greatest chances for success. 6) I just don’t know where to start . from impatience.
I can’t control those timeframes. For example when I take on tasks that are really time consuming (this book for example). I told 198 . If I’m not careful this can create impatience in me.Lifemoney tool. I need to clear it from my mind. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. If I can’t change or alter a situation. How do you and I remain urgent without dying from impatience and anxiety? The big lesson I’ve learned is to focus on controlling what I can control. And this is probably true for you too. urgency turns damaging and can lead to senseless and sometimes destructive impatience. Mexico. But when urgency is applied to things I can’t change. Based on where I was in the process and the faith that I had in my contacts in Mexico. I’d brought on an investor to put up the money for the deal. It’s a quality that helps me act quickly and get an enormous amount done. 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. and don’t let the things I can’t control stress me out. I have an unrealistic expectation of speed. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. This is a struggle for me as it might be for you. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. 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. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City.
I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. What was I going to do now? Go home with no deal and give up? How could I tell my investor what happened? Was I going to start from scratch after all this work in putting together this deal? What I did was relax. $1.000 that was needed to get this project going. regroup and come up with a game plan.6 million already invested in the equipment needed for this project. There was so much I had no control over. So there I stood in Mexico. I picked up my things and told the company I was meeting with that I would look over their new terms. Outraged by what transpired. he decided to partner with me and put up the $1. I noticed that they had changed all of the terms of the deal. and then I left the meeting. I immediately extended my trip from 2 days to a full week. and patience was number one. Based on the trust that I had built with the investor on past dealings. 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.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. 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. a partner who trusted me enough to put up that $1. I wanted this deal done.6 million dollars. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . When I sat down in my meeting and went over the paperwork that they had prepared.600. 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.
• Reward yourself for completing something difficult. Focus on the results and not the task. reevaluate your objectives and make your goals more realistic for your needs.Lifemoney had met with. I would have never completed this deal that wound up being a very successful project for me. I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. Do something fun and celebrate your incremental success. Look at the things you have accomplished to date. If your goals don’t seem to be on track. If I did not have the patience to stick this out. If you understand that success is a journey you will begin to enjoy each moment and will realize that being impatient is counterproductive and takes away from the joy of life. I wound up getting an even better deal than I would have initially. I started making calls and finding out key contacts and setting up appointments. Get preoccupied with another task until you have results from the first. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. 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. 200 . • Stay busy. Why? Because I was patient and focused on controlling what I could control.
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. Think of all the fun and excitement you will miss if you don’t savor every moment. will I even remember it? How will it affect my life? Try it! Either take a problem that you are going through now or remember one from 5 years ago and see what came of it. We need to count our blessings and enjoy what we do have and make the most of every day. I find something to make me realize that it’s not as bad as I think it is. Who said life has to be hard? It is only tough if you make it tough. Chances are you will look 201 . you will wake up and have missed out on what life really has to offer. Here’s a very personal technique I rely on to help me enjoy the daily journey. When I am having a bad day. I’ll realize today is beautiful and I should appreciate my health. 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. Remember when you were a kid and you wished you were older? How many of you wish you were younger again? We always wish for what we don’t have and don’t appreciate what is right in front of us. The 5 Year Test Another very effective technique I use is the 5 Year Test. Don’t take time for granted and let your life pass you by. I open the window or take a walk outside and enjoy it. I’ll think back to a time that I was sick in bed just wishing to be healthy to be able to be outside and enjoy a beautiful day. Are your problems really as serious as you think they are? I think about my problem and imagine how it will affect me 5 years from now. For example. before you know it. If you do. In 5 years looking back at the issue.
spending time with friends or family. Time moves faster than we all want to believe. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. 202 . A good meal. it probably has no bearing on your life now at all. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. List 2 problems that you have had in the past. Now. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. A death in the family is terrible and needs grieving. or listening to good music should be enough to keep us going and to get us over daily disappointments. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. they seem unimportant. Don’t let one day pass you by without appreciating something that you may never have or see again. 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.” Do you remember your first break up? No matter how sad you were at the time. list 2 problems that you are presently facing and put them through the 5 year test. Getting fired from a job? That may be a blessing in disguise. a joke. so we need to make the most out of our time. You will remember that in 5 years. that when you look back on.
author Mitch Albom visited a former professor.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea. a swim. After all these months." he is asked. And going home and having a wonderful sleep. a walk in the midst of nature. "It was so simple. So average. lying there. unnoticed things we do all the time.." Morrie replies. Don’t overlook the obvious in your quest for the brilliant. 203 . Albom asked Morrie a question: "What if you had one day perfectly healthy . "That’s it. friends over for lunch. In a chapter entitled We Talk About The Perfect Day. at the end of the day what is truly important may be the simple. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. going out to a restaurant for supper. talking with people. I figured he’d fly to Italy or have lunch with the President or romp on the seashore or try every exotic thing he could think of. I was actually a little disappointed.. "That’s it. unable to move a leg or a foot .Enjoy the journey In the best-selling book. dancing. Tuesdays With Morrie.175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals.how could he find perfection in such an average day?" Then I realized this was the whole point" (p. Morrie.
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. there is always someone with less doing more than you. the people who fail find excuses for why they can’t. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. I think people are 204 . In other words. In the process appreciate what you have and enjoy it.” -Brad Turk Appreciate what you have and don’t complain and make excuses.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else. Think about the person who is working outside in the heat. Some people complain about going to work when they work in beautiful air conditioned offices. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. The people who succeed find reasons why they can do something. It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated. better yet. I know successful people who are making it big in things they don’t care about. But I do agree that passion helps. 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. Don’t make excuses find solutions and make it happen. it won’t feel like work.
be stimulated and enjoy life…. then look hard to find something you’re passionate about and consider a career change now. 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. 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. If you can’t stand doing what you’re doing. see your job as your vehicle to get you someplace else. You can do that. There is a story about a young man who wanted to become a famous writer. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. My suggestion is that if you have a good job for which you don’t feel a lot of passion. In fact. Sometimes the ends do justify the means. writing one manuscript after another and firing them off to the publishers in hopes of being accepted. He hardly noticed the leaves turning colors outside his small window. 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. Try to create an external world outside of your business that enables you to have fun.” At least that’s the way I am. I’ve worked in situations that I didn’t have the least amount of passion only because I knew that if I stuck with it I’d get something that I wanted out of it. he locked himself into his attic office and plugged away. 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. But whatever you do. Then one day he 205 .and create some financial success that can free you.
That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to. the man went downstairs and was amazed by the quiet that filled his whole house. Walking through one room after another.m. If you are stiff and focused on a goal and have such blinders on 206 . Goal Achievement Exercise Z Take out your Workbook. But it had cost him far more than he had ever imagined. the man. Renew your energy. found a publisher’s letter saying that his book would be published.Lifemoney waited for his small daughter to bring up the mail..” Ironically. and have moved out. the object is to make your life enjoyable. Don’t stop yourself from relaxing and recouping. they were all empty of his family and furniture. Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. now middle-aged. List 5 things that you are going to do to ensure that you are enjoying your journey through life. The moral of this story is that success by any means doesn’t always “mean” success. Again. 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. As he got angry when she did not bring the mail at exactly 2 p. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. in checking the mail. Better luck with your novel.
You need to have a balance. I don’t want to miss out on life to get my reward someday in the future. Take the time to smell the roses. This much I know: success without enjoying your journey through your days is pretty worthless. play hard.Enjoy the journey that you are letting life pass you by. and how to really enjoy the ride. you’ve gone a long way to deciding where to spend your free time. I want my rewards as I go along. Patience and Enjoying the Journey Summary Life is funny.” -Anonymous 207 . 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. and sometimes the answers you generate for yourself are wrong. It goes by both very fast and very slow. you are missing out. the small everyday things are the things you’re going to miss the most. Lifemoney Currency “Enjoy life. If you’ve figured out what you’ll miss the most when you leave. There’s plenty of time to be dead. My motto is work hard. because when you’re finally done and outta here.
I will have urgency in my work and patience waiting for my results. I will take a break from time to time to rejuvenate and enjoy my life. _____ 2. _____ 6. and plan for tomorrow as if you were living forever. _____ 1. I believe my day to day efforts will have an effect in the long run. I will not wait until it is too late to enjoy my life. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 7. _____ 3. Lifemoney Currency “Live today like it was your last day.” -Brad Turk 208 . I will break goals into pieces and patiently work on one piece at a time. I will practice the 5 Year Test I will not stress over things I can’t control. I will not take for granted what I already have. I will find something positive out of everyday. I will take time to stop and smell the roses.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 5. _____ 10. _____ 9. _____ 4. and then tally your score. _____ 8.
101 Affirmations 209 .
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