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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....
...........................6 My Early Years ...........................................................Table of Contents Introduction: Millionaire by 30...........................................................................................................39 Don’t Be a Stranger (To Yourself)..............................................................10 Knowing Myself..........................................................42 Goal Achievement Exercise C ..............................15 This Was Only the Beginning ................................................................................................ Retired by 35: What Lifemoney Means to Me.........46 Goal Achievement Exercise D................................................................................................................................................................................. 6 Overview..................................................................................................... Inc..............................................................................................................9 Looking for Motivation ..............................................................................................11 Learning About Business........................................................................................................................................ / MyMusicSite............21 …You Can Do It................50 Goal Achievement Exercise E ....41 Goal Achievement Exercise B .......................................48 Buy Stock in Yourself .................................................................................................................................................13 Getting Focused.................................................................................................................................................44 What Are Your Limitations?......Find More.......................................................................................................17 Global Business Solutions......................36 Millionaire’s Checklist: ..............................32 Win Life’s Lotto (Real Wealth is Measured by Achievement................................................................ ....................................................................................51 Make Less ..................................................................................................................................................................38 Overview.......... Inc................................... Inc........................56 v ............................................ Anyway? ..............................................47 Get Rid of It! ................. Too!..........................................37 Lifemoney Lesson # 2: Knowing Yourself ...........................24 Overview.................53 Can You Dunk?.............. Not Cash) ..............................................52 A Fish Story ..............24 Want to Succeed? Sleep Late!...........................................................................34 Defining Success Summary ...................................................................31 Goal Achievement Exercise A....33 You Are in Control........ ......8 Persistence Pays Off .....................................................28 WHOSE Dream Is It...........................................................................................................38 Sometimes It’s Better to Strike Out .....................com .......24 Success on Your Terms ............6 If I can do it… ..........................................................................................................................................................................................................................39 Who are you? ........................................................................................................................................................ 1 My Lifemoney ......................................................................................................................................................................................................................................23 Lifemoney Lesson # 1: Defining Success..................................................................................................18 Heat Wave Tanning......................................................................................................................................................................19 Self Made Records..............................................................................................27 Find the “U” in “SUCCESS” ...................................................................................................................................................................
...............................................................................................................................................................................................................................81 A Successful Person’s Tool Belt ..............................................79 Lifemoney Lesson # 4: Gathering the Tools for Success..............................................................................................................................................................................................................................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles............Knowing Yourself Summary .........................................What If You’re Way Off Track?....................................................63 Timelines ....................................................................................................................................................61 Goal Achievement Exercise F ....................92 Tool #5: Do or Die Trying Commitment.................................................................................................................................... 100 Lifemoney Lesson # 5: Evaluating Your Progress ...................................................................................................................................................................................................................................................................................................................................57 Millionaire’s Checklist: .....................................................................................................59 Overview.................................................................................................................................................................................................88 Goal Achievement Exercise L ...........................................71 Three Huge Obstacles........................72 Goal-Setting and Overcoming Obstacles Summary.................................................................................................................63 Goal Achievement Exercise G..............................81 Tool #1: Focus ..................61 Establishing Action Steps .........101 Overview.................................................................................................................... 110 Goal Achievement Exercise N.K…........................................................................70 Goal: To pilot my own airplane ........................... 111 Evaluating Your Progress Summary ........................................................................................................................................ 107 O.................................................................. 103 Goal Achievement Exercise M ........................................................................ 118 vi ........60 Start by Writing a Goal.................................................................................. 114 Millionaire’s Checklist: ....................................................65 Write It Down .........................................................................................................................................................................................................................................................................................................................................59 Step Up ...83 Goal Achievement Exercise K......................................................................................................................................85 Tool #3: Efficiency ..................................59 A Quick Review ...........................66 Goal Achievement Exercise I .......................................81 Overview.....................................................................................89 Tool #4: Priorities..............................................................................................................................67 Nothing Can Stop Me Now….........................................................79 Millionaire’s Checklist: ..................................................... 101 Progress Report ............................................95 Gathering the Tools for Success Summary................... 105 Maintaining Your Course ...........................................................................................................98 Millionaire’s Checklist: .......84 Tool #2: Time Management .................................... 116 Can’t Get a Job? Buy the Company! ...............................64 Goal Achievement Exercise H...............................................................................................................................................116 Overview........................................................ 116 MacGyver It!...................69 Goal Achievement Exercise J ....................................................................................................... 101 Don’t forget the map! ............................................ 115 Lifemoney Lesson # 6: Resourcefulness................................................................................................
..................... 167 Change the Mental Channel............. 185 Goal Achievement Exercise X.............................................................................................................................. 166 The Multi-Millionaire Blues .................... See It...................................................... 131 Millionaire’s Checklist: ................. 125 Goal Achievement Exercise O............................................... 149 Sharpen Your People Skills ................................ 175 Keep It Moving ...................................................... 152 12 Steps for Power with People Summary .............. 181 Lifemoney Lesson # 10: Sacrifice ...................................................................................................................................................Keep Looking ................................................................................................................................................................... 165 Lifemoney Lesson # 9: Positively Thinking ......................................................................................................................................................................................... 195 vii ....... 177 Goal Achievement Exercise V................ 149 Goal Achievement Exercise S . 173 The Key to Success? Live Out Of Your Car........................................................................149 Overview...................................................................... 135 Dream It.........................................................................................................................................................................................................You’ll Find It ... 164 Millionaire’s Checklist: ...................................................... 127 Find An Expert ........................................................................................................................................................................................................................................................... 176 Create a Repeatable Success Thought ..................................... 151 Turk’s 12-Step Plan for Bridge Building.................................................................................. 133 A Lesson From Trump ............................................................................................................................................................................................................................................................................................ 170 Don’t Complain .................................................................................................................................................................................. 182 Borrow..........................................................................................................133 Overview............... 174 Worst Case ...................................................... 137 Five Creativity Factors .....................166 Overview..... 178 Positively Thinking Summary .............................................. Do It! ......................................................182 Overview..................................................................................... 137 Millionaire’s Checklist: ............................................................. 184 Goal Achievement Exercise W ................................................. 132 Lifemoney Lesson # 7: Creativity ................................................................................................................................................................................ 171 Goal Achievement Exercise U..... 194 Millionaire’s Checklist: ............................................................................................................................................................................................................................................ 135 Goal Achievement Exercise R ................................................................................................................ Go into Debt and Max Out Your Credit Cards ....................................................................................... 128 Goal Achievement Exercise P .......................................................Best Case............... 189 Sacrifice Summary ......... 147 Lifemoney Lesson # 8: 12 Steps for Power with People.................................. 133 Goal Achievement Exercise Q. 166 Where’s Your Head At? ................ 175 Eliminate Negative Self-Talk......................................................................................................................................................... 122 There’s No Need To Grow Up....................................... 169 Goal Achievement Exercise T ............................................................................................................................................................................. 130 Resourcefulness Summary..... 183 Sacrificing for Success ... 179 Millionaire’s Checklist: .......................................................................................Fix It ................................
................................. 207 Millionaire’s Checklist: ............................................ 198 So what should you do to be more patient? ................. 202 GOAL (Go Out And Live).................... 201 The 5 Year Test .. 208 viii ............................................................... 206 Patience and Enjoying the Journey Summary.........................196 Overview................................................................................................................................... 196 Mañana ....................................................................................................................................................................................................................................................................................................................... 196 Doing Time ........................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey ........................................................................................................... 200 Enjoy the Journey............. 202 Seek Happiness in Simplicity ................................................................................................................................ 204 Goal Achievement Exercise Z .......................................................................................... 201 Goal Achievement Exercise Y.........................................................................................................
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. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. Money is simply a tool to help you get what you want out of life.Introduction: Millionaire by 30. it’s at what income. not money. Lifemoney will show you what you really need to live the life you want.” -George Foreman Life comes first. Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire. 1 . But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first.
400. it’s not the job that I feel is prestigious that matters. a new home. It could be $240 a week or $240. For example. yet most people don’t use the correct tools to get what they want. If it’s career happiness you’re looking for.000 in quarterly bonuses. 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. it’s the job that makes you happy on a daily basis or brings you closer to your goals. it’s the dollar figure you define. part how-to.One of the most unique features of Lifemoney is that it’s entirely personal. Imagine having the task of hammering a nail. part financial management.000 a year or $2. we’ve finally got our priorities straight: We go after what we really want! You don’t have to be a celebrity – or even a millionaire – to feel successful and enjoy an intense and satisfying feeling of self-worth and accomplishment. Part self-help. if it’s money that you’re after. be it a million dollars. a new job or just a raise or promotion in your current job. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. But how much easier would it be using a hammer? Lifemoney is a hammer: it teaches you how to realize your goals and become a happier person by using the right tool for the right job. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . Would you use your shoe? Would it work? Possibly. In this book.
This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life. Lifemoney will give you a blueprint for success in all facets of life. some executives. So who is Brad Turk and why am I qualified to write a book about life or money. My definition of success is simple: Accomplishing what you set out to do. Through my interactions with many successful and famous people (some recording artists. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. along with real-life examples you can use to plot your course for success.My Lifemoney WANT. and want to share them with you. If you learn these lessons – and actually follow them – you can and will succeed. I have been fortunate enough to learn that most successful people share a lot of the same attributes. I am living the life that I want to live. I have distilled those attributes.). The exercises in the book 3 . Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . Instead of concentrating solely on the financial aspects of making your first million. etc. Whether you are looking to be the next pop star or the perfect housewife. there are common qualities. used them for my own personal success. not just financial. It offers a set of tools. My schedule and time belong to me and I do what I want with my days. characteristics and personality traits that you will need to get you there. let alone both? I was a millionaire before the age of 30 and retired soon after. But more importantly. This book will show you what those characteristics are.most of whom happen to be multimillionaires.
4 . While reading Lifemoney you will become familiar with these attributes. you’ll find ways of: • • • • • Understanding what success means to YOU Matching what you want with your abilities Learning to go after goals by setting specific tasks with timelines Learning how to focus.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. In this book. 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. see what works for you and. 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.
there is more to life than money but you just can’t live in this world without money.com (Code: naNtZB). These proven tools are specifically designed to help you plot.bradturk. Clearly. 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. 5 . list and track your progress. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs. This checklist will help you quickly see if you are developing the skills that were discussed in that lesson.bradturk. What’s the answer? Lifemoney. Repeat these affirmations to yourself when you need a quick boost. 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. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. Everyone needs some kind of stimulation and/or support to keep their spirits alive. I have created a list (that I use) of affirmations that you can also download for FREE at www.com. Both the Millionaire’s Checklist (Code: BAyyRJ) and the A-Z Achievement Full Exercise Workbook (Code: m3sUMQ) are available for FREE download on my website at www. The higher your score – the higher your Lifemoney skill level.
Through experiences as diverse as being a break dancer. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself. rich and retired. actor.” -Brad Turk Overview I want to take just a few pages to introduce myself. If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. entertainment field and having a 6 . I’ve found the American dream and retired early. Over the course of my very short professional life I’ve achieved the American dream: I’m young.Lifemoney My Lifemoney “It’s never too early…to make your first million. salesman. I achieved personal and financial success through various ventures in the telecommunications industry. business owner and entrepreneur.
It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. It is often hard for us to look at a Russell Simmons or a Donald Trump and think we could ever attain that level of success. It’s not that hard really. All the successful people I discuss throughout this book including Warren Buffett. Think of the old story about giving someone a fish or teaching them how to fish. 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. Consider these lessons to be the fishing rod. boat and everything you’ll need for a life of accomplishment and success.com arena or hit the lottery. I have used the attributes I describe for you in this book over and over again in many different businesses – all with the same successful results. adapting the rules of success to your personal situation. Diddy and even myself have been “taught how to fish” at some point in their lives. whether it was through direct interaction with a mentor or learning from other sources. Instead. and if you’re willing to be my student for just a short time I can show you how. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. I did not strike it rich in the dot. You’ll never need to go hungry again. Give someone a fish and they eat for a day. These lessons can be learned by anyone. Not all of these successes share the exact same 7 .My Lifemoney retail tanning salon. That’s what Lifemoney is all about. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success. teach them how to fish and they eat for the rest of their lives.
That’s where I first learned about work ethic. In addition. I’ve learned that they’ve come to their successful place in life by either having or by acquiring the attributes I discuss in Lifemoney. and no money. rapping and acting. I got heavily into break dancing. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. 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. She kept right on plugging away with her 3 jobs. 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. my mom and I had moved to Forest Hills. but they usually have a lot of similarities.Lifemoney attributes. if you don’t care about me and want to jump right into Lifemoney Lesson #1 and see what YOU need to do to be successful. By the time I was in fifth grade. My Early Years I began life in the Pomonok public housing projects in Flushing. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . You can always come back to me later). My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. new friends and. New York. When I got to junior high. New York. It was a much nicer neighborhood. I learned these lessons by reading books of successful people and from my peers. and she was a tremendous teacher. new neighbors. though. new opportunities. and by the way. There were new surroundings. (Oh. Mom didn’t let it stop her. I won’t be insulted.
In fact. the only way to contact agents was to send query letters with photos and resumes. I sent the package out to the same agents two times but didn’t get one response either time. But the first rule of success I learned was to work around your obstacles. Since my working mom didn’t get home until late I would go alone by train. Actually. I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. Persistence Pays Off To make it in the acting field you need an agent. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. a renowned child talent group.My Lifemoney industry. I’ve always been a hustler. This is when I first began to learn about the value of persistence. and thinking outside the box. and I began going into the city (New York) for auditions to try breaking into the business. which listed talent agents. dealing with people. The first agency I visited was Schuller Talent. as you can imagine. Frustrated by the lack of response. I decided not to sit around and wait for something to happen. I bought a reference book called The Ross Report. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. Finding an agent to represent my efforts was. I followed directions exactly and sent my headshot along with a resume to one hundred agents. Most emphasized the boldface message “not to be called or visited. a huge child actor of the time 9 . They represented such actors as Emanuel (Webster) Luis. not easy.” The do-not-call rule was strongly enforced. not succumb to them. To follow my dream I had to overcome several obstacles. as well as how to contact them. For starters.
As a result. I didn’t do very well in high school. I thought that she was listening to what was going on. I set out to get answers to my questions. Looking for Motivation Unfortunately. I continued my conversation with the secretary. and when I did show up I didn’t pay much attention. auditioned. I returned the following week. who was extremely nice and reassured me she would get my packet into the right hands.” the agent in charge of the group that I wanted to join. I often skipped classes. and signed with Schuller for representation. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. Not surprisingly.Lifemoney and Danny Pintauro. I told her I just wanted to make sure it got into the correct person’s hands. and found the success I was seeking. 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. From the corner of my eye I noticed a woman standing in the doorway. Hanging out with my friends and social activities seemed more important. the child actor from television’s Who’s the Boss? Walking through the agency’s door I met a pleasant secretary and introduced myself. I turned to leave. But taking the initiative. going out near the door where the other woman had been listening. I barely 10 . Had I continued to wait for calls that never came. I might not be where I am today. She followed me out and introduced herself as “Davina. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. After thanking the secretary.
Through hard work. I applied for a double major in business and theater and. Although you can make a good income from acting. I had a hard time getting into college. But he and my mother told me that they would only support me if I did well the first semester. The only thing to be decided was how I would get where I wanted to go. For these reasons. I got accepted.92. The following semester I got a 3. and was eventually inducted into the Phi Eta Sigma national honor society. I realized that my next job was staying in. I changed my habits and learned how to be a student. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. And. With this pressure from my parents. It was a great lesson: Not all of success is flashy and easy. 11 . I learned early on that being a struggling actor was not for me. I decided I didn’t want to end up stuck with no way out. If I was going to “screw up” like I did in high school. My father had resurfaced in my life to pay for college. Knowing Myself In time I would become a very successful entrepreneur. they explained. 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. they didn’t want to pay for it.88 grade point that term. After getting in. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. the odds are severely stacked against huge financial success. I earned a 3. I was looking to make a lot of money and enjoy nice things. using my acting resume.My Lifemoney made it through.
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.Lifemoney I remember meeting a good friend of mine. the music industry does not often accept unsolicited 12 . Today he’s a successful actor who can go anywhere and order anything he wants. As with my junior high acting days. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. For him. the sacrifice has paid off. I wanted more of a sure thing than acting. But before I fully ventured into business. It was a real education. I asked him if he was going to order anything else. That could have happened for me but I knew in my heart it wasn’t MY reality. I knew myself and knew movie stardom wasn’t the right route at that time. So I took a different route and it has paid off for me. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. But. I sent out many demos to try and get people interested. as with acting. I spent the last years of high school and beginning years of college working toward that goal. Looking back. I still had some entertaining left in my system. “It’s cheap and it fills me up. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. When he only ordered soup.” I bought his lunch that day. for lunch one day. But his limited income made it clear to me that this was something I did not want to do. I could see the moment in that restaurant as a turning point. He answered. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. a struggling actor. When it came to making money.
In 1991. let alone were successful at it. co-sponsored by 98. In this world you have to take opportunity where it comes if it will help you achieve your goals. Although no longer in existence they were one of the premiere labels at the time.My Lifemoney material. I got a job as an intern (for no pay) working for PolyGram Records. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. Learning About Business In addition to finding some measure of success in the entertainment side of music. It was validation that hard work could pay off. This is exactly how you build Lifemoney. I sent in my tape. My goal was to get noticed and possibly get someone interested in working with me. even for free. I entered the Pepsi Rap Up the Summer Contest. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. I also tried to learn the business side of the industry. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. If the artist believes a later recording is similar to his or her music. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. In fact. a lawsuit can result. I was chosen as a semi-finalist out of 500 entrants. Although I didn’t win the contest. I knew 13 . you need to work in it.7 Kiss FM in New York. This was pre-Eminem and not too many white people even listened to rap. even when you’re going against the grain. I kept working toward my goal of becoming a rap artist and trying to learn the business. I recognized the value of this attribute and stored it away for later. A key lesson I learned was that if you want to understand an industry.
For example my rap name was “Sneak. I figured if I sent a package. 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. It’s important to understand what you are getting into before you are knee deep. feel free to import ideas from wherever you can find them. For example.the talent .and the men and women behind the talent the producers. You might find it’s not what you expected it to be. Basement Records. no one was listening to my demos and I knew to get to the powers that be I would have to get through to someone.” I once sent a sneaker in a box to a record label with the note. It was one of my earliest stabs at being resourceful. my targets would be curious enough to open it rather than throwing it away. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . and access is one of them. “I just want to get my foot in the door. learn it from the ground up. BMG. If you want to learn a business. It paid off. picked me up and got me signed to BMG for distribution.” along with my demo tape. It worked. a recording label. agents and managers. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. volunteer for a campaign or move to DC. And always be resourceful. The following year I released “That’s Evil Man” on ZOO Entertainment. The access I got taught me lessons I could have never learned anywhere else. Door after door was being closed to me. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. mixers.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. But it’s all valuable. both the stars . If you want to work in politics.
The music business seems glamorous. but in reality there are very few people that make it big – and make the big money. But like 15 . In 1994. for more reasons than just getting airplay. full of rich stars and power players. But the truth is making money is hit or miss and is more often just smoke and mirrors. It is a difficult business to really make money. PolyGram Records. It didn’t stop there. I was finally seeing a dream come true.” Next Plateau. actualizing my goals and watching them come to life. You see – I already understood that making money was a priority for me – an important goal. 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. which I did. 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. Eventually it went to number 27. I needed the sense of security that comes with a regular income and the knowledge that I would be able to pay the bills and live a comfortable lifestyle.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences. 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. That’s a hard truth to see from the outside. 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. While I enjoyed working in the music industry. Money provides those things.
Becoming successful. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. Also. I saw that real estate was more suited to my personal goals at the time. And guess what? I started making more money working part-time than at my day job. I understood the insurance office management job completely. I took over a job for a friend as an office manager for a life insurance company. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. After leaving college. Unfortunately. I also knew that I had fine-tuned all the systems there to do my job in half the time than I had been doing when I started working with the company. I did not have a wife or family. the branch focused on selling long-term care and retirement planning. The branch owner wanted to train me to sell life insurance. but it was apparent that I was a tremendous asset. Not to sound conceited. I decided to take my hustling a step further. I went so far as to get licensed to sell life insurance. I did not find that product to be a perfect fit for me or my personality. I figured if I spent more time on my part-time real estate job. I decided to 16 . I decided to make business decisions that would bring me closer to where I wanted to be. 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 could make even more money. For one thing. I was interested in sales. and could not fully understand or relate to getting life insurance for protection for other family members. In addition. How did I do that? I started selling real estate at night.Lifemoney most young people I didn’t understand what was going on. so I pursued this opportunity.
When I went to my boss to resign. I guess the company trusted me enough to give it a shot. I also promised him that the quality of the work would not change. Best of all. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly. For example. at the same pay. I made sure I did everything efficiently and wasted no time at all.” It was a risk to leave the security of a full-time job. He reluctantly agreed on a test basis. But my education was just beginning. instead of just quitting I told him I could do the work in one day that I had been doing in three. You never know if someone will say yes or no to a question until you ask the question. making my own way and even started knowing myself and where my real talents and desires 17 . and there was a lot more to learn. the one you’re probably most interested in. and I went from initially working five days a week to just one day per week. You never know what people are willing to do – or what you can accomplish – until you try. I was doing well enough and was confident enough in real estate to do it full-time and get rid of my “day job. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. This would permit me to have two more days to sell real estate. I didn’t know it at the time but I was to go through many more experiences that taught me how to build and run successful businesses and be happy at the same time.My Lifemoney leverage all that. my gamble worked! Eventually. I began to learn about the importance of defining success for myself. 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.
resourcefulness and creativity. I was not an overnight success story. evaluating my progress.086. 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. By my second year. I’d learned that when the big companies couldn’t supply a product.07. Global Business Solutions. I used them to create many business successes. sacrifice and patience. Rather using the attributes I list for you in this book I became successful in project after project and business after business. It was basically a mini-version of one of the larger telecom corporations. they bought it from someone else and still sold it as theirs. and I didn’t hit it big with the lottery. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money.Lifemoney were. I became one of the top salespeople in the nation. like actual cash. At MCI. 18 . But I still had to learn about setting goals. I was already bringing in a six-figure salary and at the end of my third year there I earned $387. Inc. Especially patience! It was a lot for a young person like me to absorb. Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. dealing with people – especially difficult people. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. but the skills that were created in me were worth more than cash. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). 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.
I let the customers guide my business. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. lower to the ground and closer to the customer’s ear. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. 19 . and seeing niches before everyone else. I saw what the needs were and I fulfilled them. I understood that customers loved a one-stop shop.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. allowing me to sell anything the big boys sold – and better – because I was smaller. One of these areas was in the pre-paid calling card business. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. you or the opportunity. remain loyal and protect them as much as possible. I eventually contracted with many providers. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. it’s harder to tell which came first. and to always be so reliable that I would always be the “go to” guy in the future. If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. Inc. Sometimes you go searching for new opportunities and other times opportunities find you. When you’re always on the lookout for something new. Heat Wave Tanning. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. the customers would want you to do everything for them.
This was a different venture from my previous forays in the world of small business. After more research (and imagining that operating that type of business would be fun). 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 prepares us for the future. The tanning business though was more hands-on. Better yet the business seemed as if it could run itself. Besides. I decided to open my own tanning salon. It is definitely a great business that I would highly recommend. So I kept the business for two years. 20 . which was a huge plus for me. I saw a line outside of the place and was wondering what they were giving away.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. That is true. It turns out that people just were going in there to catch a tan. It was like having a puppy at home: you never felt comfortable being far away for very long. I could manage most of it via remote control. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. But I was discovering that retail businesses require a lot of time and attention. I told myself: it stretches us. and managing customer issues just didn’t do it for me. The tanning business was a big change for me. grows us. made my money and then I sold it. maintaining equipment. managing ten employees. I researched the business and found out that it was a very low maintenance business and pretty profitable. building the place from scratch. and might one day do again. and I decided that I didn’t want that kind of responsibility. A telecom business like GBS was more “virtual” than brick and mortar. It was exciting.
But I can afford to do this because I love it. Inc. Inc. And I love it! Why? Because I’m sailing my own ship with no boss. It was a lot of work but it has been gratifying beyond words. although I brag about being retired. friends and family while providing a marketing platform for them to make their dreams come true. I will make independent artist’s music easily available to their fans. And what’s best is that I can afford to be patient. / MyMusicSite. For Self Made Records.com Sometimes success comes full circle. but on my terms. 2007. looking to blend business with pleasure. no limits and 21 . I am doing what I love. I signed some artists to my label and I am currently marketing and promoting them. with little to no risk and helping others all at the same time. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. in reality I’m busier than ever.My Lifemoney Self Made Records. In 2007. I am sometimes surprised by all that I have accomplished in such a short time. I am now in the process of coding and developing mymusicsite. That makes me happier than I can possibly describe to you.com. set to launch in the fourth quarter.com are both my hobby and business. I have been launching companies left and right. 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. Self Made Records. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. Inc. Later I was a college graduate looking to intern for a major hip-hop record label. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. Now I was a successful entrepreneur. and My Music Site.
meetingexpresso. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. This is a free website that gives the consumer a voice and enables them to be heard (rant/rave/leave video complaints) to both other consumers and the companies they speak of. satellite television. and business services.com (www.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. I am also in development on another site called MyMusicSite. I will 22 . Lastly. friends and family. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating. We will make independent artist’s music easily available to their fans. The business is called Meeting ExpressO (www.com) and is a retail conference location /coffee shop. I am also providing a marketing platform for these artists who want to make their dreams come true. In addition to that business. break dancing on street corners and hustling for business opportunities. specialty beverages.tellbrad. I will be selling and promoting online music downloads and cell phone ringtones for independent artists.com).mymusicsite. These services will be available to groups as well as individuals that need a place to work between meetings or just to kill some time. In addition to being its creator. In addition. I just launched TellBrad. phone. and snack items. Meeting ExpressO will provide full access to conference rooms which include internet. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee.com (www.com).
Instead of sitting around thinking about what you want. Lifemoney Currency “When life hands you lemons… make lemonade. I have found the common denominator for success.My Lifemoney also receive co executive credit and be involved with development of the project. And go for it! No excuses. 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. That’s why I’ve written this book. go by some oranges! (Orange juice outsells lemonade by 10 to 1. Now. Lifemoney provides you with the tools you’ll need to reach your own unique potential. Stayed tuned and look for my name in the credits! …You Can Do It. Learn who you are and what you want. Keep score of your successes and failures. Work on the activities.)” -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. invest your profits and. sell it on the corner. adapt the principles described in each of the upcoming lessons.
Success is never a game of chance and begins with clearly deciding what you are going to make happen. some might consider him rich 24 . These are the stories of two friends of mine – John and Steve . two very different types of success stories. Still. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. My first friend. John. In this lesson I want to show you the importance of deciding for yourself what success means to you. is in no danger of cracking it anytime soon. as far as I know. has never cracked the seven figure mark and. pure and simple.and though totally different from one another they illustrate what I mean by defining your own success.Lifemoney Lifemoney Lesson # 1: Defining Success “You have to arrive at your own definition of success if you ever hope to enjoy success on your own terms” -Brad Turk Overview It’s not possible to attain success without first defining it.
just as important. Then one day we were talking and John really opened my mind to something. What he revealed was so far from who I am as a person but showed me that there are a lot of different ways to define success – and the important Lifemoney key is to define it for yourself. He has a beautiful boat. John told me that he was really happy with his life. lives with his parents. has no ambition and is going nowhere. He told me that every night that he goes to bed. he helped them out a lot and felt that his support was needed around the house. They think that he is not responsible. While talking about the future. Most days he didn’t have to go into work early and he got to sleep late.push your idea of success on anyone. I have another friend.and shouldn’t . He made enough money to live on his own if he wanted to. who on the surface would probably look extremely successful to outsiders looking in. he also said he was happy with his job. Steve. several sports cars and a very 25 . You can’t . he is successful. who is over 30 years old. he just took it as a joke. He told me he was still living with his parents because he liked living with them. John’s parents also enjoyed him being there. All of my other friends make fun of him. he found his own success and it works for him. He needs nothing else to fulfill his dreams. I have to confess that I kind of agreed with them. He is truly happy with how his life turned out. To me.Defining Success beyond compare because he knows himself and. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. It didn’t bother him what everyone was saying about him. From a professional perspective. John. knows what success means to him. he has a big smile on his face. He did it his way.
Before the weekend came. Why? Because they both hit their mark. just so he can try to keep up with payments so that he does not default on anything. He is always stressed and always in fear of losing something. Once you define what you want and know what will make you happy. you have completed Lifemoney Lesson # 1. He is actually so far in debt that he does not really own anything he has. These men are both successes. Some people thrive in that kind of stressful environment.Lifemoney nice house. 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. he canceled the invite because he was actually selling one of the cars. Have you decided what your mark is? 26 . The truth is that Steve lives way beyond his means. not from without. he is in a world of hurt. Steve thrives on the adrenaline of living on the edge. Being that I know this friend well. This is success for him. I remember one weekend he invited me to go to the track with him to “play” with his cars. Does this sound like success to you? It might. 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. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. He is always making maneuvers to try and maintain his possessions. He also has to work harder than anyone I know. Most everything is owned by the bank and it seems every time I talk to him. My definition of success comes from within.
our definition of success will be individual and unique. we all want more out of life. But becoming – and staying – successful can be tricky.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. I think this is important because I see so many people who spend their lives wandering. They go from idea to idea. If we don’t define success for ourselves. They start up home improvement projects and don’t finish. strategy or plan they stick to in order to reach their ultimate goals. We have no control over our path and our lives can become haphazard. What works for some doesn’t work for others and what works for me might not work for you. Success means different things to different people. For the most part. you’ve taken the first step to taking your life back. fad to fad not really knowing what they want and drifting with the flow. It becomes yours. They subscribe to magazines they never read. They buy gym memberships and never use it. you own it. No matter your net worth or social standing we want to do more. most people are still on their quest for success. There’s simply no future in succeeding for anyone other than you. we are on a journey without a map. 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. When you define success and what it really means to YOU. Why do they do this? They bounce around because they’re not prepared to 27 . Success takes personal planning and some work. get more and be more. When you define success for yourself. Although some people get lucky in attaining success. With the exception of my friend John who I just mentioned. most successful people (whether consciously or not) have a system. Like fingerprints. trend to trend.
They live undefined lives. Desire is the planting of your seed.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now.” .” Plant your own personal seed for success and watch it grow. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. What is it you really want? What. look past that next job promotion or future company you plan to build. See beyond money and its trappings. author of Riches Within Your Reach: The Law of the Higher Potential once wrote. you will be fully able to reap all the benefits that await you.Lifemoney take full action. You should live your own life and live up to your own expectations. for 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. “The first principle of success is desire – knowing what you want. As Robert Collier. and those are the only things I really care about it. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily.
billionaire Warren Buffet. a 22-year-old student who has just received her acceptance letter into the medical school of her choice.” It works for the second richest man in the world. Let’s take. She’s successful! 29 . He is doing what makes him happy. for example.Defining Success “All I want is to have people around who love me. He has lived in the same house that he purchased for $31. She has spent her whole life making sure her grades were in order to some day get into a good medical school.500 over 48 years ago. This is a man who could do anything and have anything and is content to sit home and watch a ball game. She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams. She sacrificed many nights of going out with her friends and having fun in order to spend more time studying. 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. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. What would make you happy? We all define success differently. With all of Buffet’s billions he has always led a simple life. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). but successful people have taken the time to really think about their definition of success. He does not really have any extravagant items like a fancy race car. yacht or even a boat.
have resulted in two stable children with above-average grades and well-adjusted social skills. That man is a happier husband. upon marrying. agreed the wife should give up her job when the children came along to provide a stable home life for all. they have not missed out on anything they’ve wanted. While avoiding expenses like costly entertainment or expensive vacations. Months of preparation and training pay off for this guy’s single-minded determination. Sounds like success to me. along with nutritional meals and emotional support. Living off just the husband’s income has not been easy. father.Lifemoney A 39-year-old business executive runs his first marathon. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. Each of these people has achieved success. his self-esteem and confidence increase beyond measure. He’s been a total success. Although he and his wife share a modest home. While his finishing time does not win any medals. they have been able to stash enough away to enjoy an early retirement and see the world. The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. Then there is the couple that. 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 . I call that success on their terms. and employee – or future CEO – because of this personal accomplishment.
It really isn’t what you have or who you are that makes you happy or unhappy. you might become bitter or resentful. I believe the common denominator in true success is happiness. in Lifemoney Lesson #2. While it’s a good idea to talk to your family and others who may be impacted (say. As you see in this example. but you don’t really want to. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. That’s why. So once you have an understanding of what will truly make you happy. So let’s figure out how you define success. you can begin to set goals on the road to success.Jeff Mallett 31 . you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. you’ll be finding out why it is so important to Know Yourself. leave the world a better place. 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. Over time. what they all really want is personal happiness. love what you do. That’s why it is important to understand your priorities clearly.Defining Success WHOSE Dream Is It. it is possible to be a successful lawyer without feeling like a successful person. If your parents are pushing you to become a lawyer. Even though everyone usually has a different idea of what success means to them. Lifemoney Currency “Do what you love.” . It is how you view your situation that makes all the difference.
open a document on your computer. I am going to ask you to open this document on a regular basis throughout this book.com.bradturk. read over your ideas. etc.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. in your opinion. Explain. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. the hallmarks of success—money. asking yourself questions like these. time. so make it handy and easy to access. or download a copy of the Workbook with all the exercises from my website – www. 32 . set a timer for five minutes. Then start writing about your views on success. but more importantly. What themes emerge from the answers to the different questions? Did security come up over and over again or did freedom? Did a need to be your own boss emerge or would you like a little less responsibility in life and not have to be the boss? This activity will help you get a better idea of what you want from life and what you expect of yourself. You can use a three-ring binder. and edit if necessary to make them readable and clear. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. Once you have this in place. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. skills.
” Her hand was out. something of a statistical freak. in 1985 and 1986. I know many people with little or no money. after declaring bankruptcy. Money in itself does not equal success. they’ll tell you: • Evelyn Adams. Having come from a “no money” background. “Everybody wanted my money. It was totally a nightmare. If you were handed everything you wanted without working for it.” These beliefs about money are all wrong. now lives on Social Security and food stamps: “I wish it never happened. She lives in a trailer and recounts that. But you just did. I’d be so happy” or “Everything in my life could be fixed with some cash. We all do. too. Ask the following people. What does she have to show for it now? Zippo. won the New Jersey lottery twice. Not Cash) Congratulations! You’ve taken a huge step. Her total take was $5.2 million in the Pennsylvania lottery.” 33 . Welcome aboard a new life. at gambling venues. Completing this exercise brings up a point I think worth exploring. “If I only had money. Most people just never make the move to define what they want and where they’re going. Says the man who. you might find you are still unhappy. • In 1988.4 million.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. Everybody had their hand out. William “Bud” Post won $16. It’s amazing how some people perceive money as the answer to all their problems.
she had filed for bankruptcy and had just $700 in the bank. Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future. the challenge. She shared her wealth with many charitable organizations. that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily.the fruits of someone else’s labors . 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. not a financial figure. That is true success – at least by my definition. Goals are not just about achievement. There is no amount of money in the world that can recreate that feeling of accomplishment. Here are several keys to keep in mind: 34 .Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993. and the ultimate triumph of accomplishing a mission. 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. they’re about satisfaction. but before a decade had passed.you miss the excitement. That’s why Lifemoney is an internal feeling. I know you’re probably saying “Yeaaa. It seems to be a rule of life that if you have good things handed to you . You Are in Control Success belongs to those who are clear about what it means to them. And accomplishing your dreams – your success on your own is very important. To enjoy success you need to earn it.
You are here – we are here. Success is not a game of chance. And remember that it’s important to enjoy this journey so keep an eye on the finish line. Chart a course for paradise. 35 . How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. it’s also worth doing despite the odds of failure and cost of success. It may take months. Now all you have to do is take another step.Defining Success 1. or it could take decades. You’ve already taken the first step. sure. Anything worth doing is worth doing well. But why wait for the miniscule chance that this could happen to you when you have the power to wake up your dreams and put them to work for you – RIGHT NOW! 2. together – because you made a conscious choice to pick up a book called Lifemoney. but your dreams are out there. When you lay blame or make excuses. but don’t forget to enjoy the sites along the way. Don’t put your trust in success just showing up. Most likely it will be bumpy. Publisher’s Clearing House might stop by your house with that big check and. even if the voyage looks choppy. Others have influence over you and affect you. you willingly give your power away. 3. and that might not have been easy. Stop looking outside yourself or to others to explain your failures. 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. it resides in you. but they do not own your ideas or lay claim to your dreams. The power to change is your own. and another. until the value of moving is higher than the cost of those inevitable obstacles. that would be incredible.
That’s totally normal. Don’t feel bad at all if you’re still a little unclear about what success should mean for you. you’ll always regret not doing it for yourself. your old friends from school. If you do it out of ego or pride or greed. Success must happen YOUR way. Lifemoney Lesson #2. Whoever you’re trying to keep up with – the Joneses. trust me. If you do it for the money. Lifemoney Currency “Your time is limited.” -Steve Jobs 36 . All right. Let’s go there right now. so don’t waste it living someone else’s life. success must mean something to you if you are ever to truly achieve it. If you let others define success for you. there will always be a nagging feeling that something is missing. your neighbors – forget it. something WILL be missing. It will become clearer the more you focus and keep your mind open.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. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. on YOUR terms for YOU to be truly happy.
_____ 5. _____ 4. I will look beyond money to find happiness. I will always seek to lead my own life. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1.” -Brad Turk 37 . The expectations that matter most are mine. _____ 8. I am seeking my own personal growth and happiness. I spend time learning what it will take to be successful in what I love. _____ 7. _____ 6. _____ 3. _____ 9. I am winning life’s lottery. _____ 10. I will define success for myself. Lifemoney Currency “If you live for someone else. and then tally your score. I will decide for myself what occupation excites me. I am in control. My life is mine and I’m excited to develop it on my terms.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. _____ 2. I hope they enjoy it because you probably won’t.
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.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. “Defining Success. but it always starts with YOU. It’s a journey that may veer off in a thousand different directions before finally coming to fruition. In my mind. In Lifemoney Lesson # 2.” by exploring who you were to determine who you are and clarify who you want to become. great moves. you will build on the first lesson of this book. I expect to make great plays. 38 .” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success.
Maybe you’re carrying around a little extra baggage as a high school dropout. banker – merely describe you. son. How many of us hover around the comfort zone of what we’re good at. a son or daughter. lawyer. This is valuable advice for many of us. 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. But life success is a self-test. a company executive.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. But all of these titles – husband. or a musical genius. you need to know who you are. a student. a basketball pro. or two-time divorcee. 39 . they don’t define you. but not without a period of introspection first. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. someone’s parent. because he knew he had the ability to be a GREAT batter. not a popularity contest. unemployed worker. a computer whiz. 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. Before you know where you’re going. one of baseball’s legendary home run hitters. He stuck with the decision. father. At the end of the day we must look in the mirror and face up to who we really are if we ever hope to become the person we know we can be – the person we want to be. He took a lot of heat for his decision because he was a GOOD pitcher. Who are you? Who are you? That probably depends on who you ask. right? You might be a wife or husband.
you got sidetracked into making a living and getting by. more importantly. day to day. start here. Life has a way of sidetracking us from our goals to deal with day to day living. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. the goals appear too distant to reach anymore. and hopefully a little wiser. knew you were capable of attaining. Or maybe you were hoping to get married. you find that those dreams never materialized. 40 . but ready to gear up for the adventure that lies ahead. when you take a moment to catch your breath and see where you are. you can still find the path to your personal success if you’re willing to look for it. 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. But now. If you are just starting off on your voyage to success and don’t know where to begin. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. let me help you rediscover that person again. have kids. When was the last time you asked yourself this question? What was your answer back then? Has it changed? Many of us live such fast-paced lives that we seldom take time to reflect on the distance we’ve traveled from the starting point many years ago. whatever you’ve done.Lifemoney It seems like such a simple question: Who are you? But try to answer it and you’ll find the answer is not so easy. Instead. Maybe he or she is a little older. and maybe not even worth the effort after all. and live happily ever after. Then. looking back. wherever you’ve been. Whoever you are.
not the Joneses. (Either that. literally. they’re shifting. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. If you don’t know what will make you happy. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. but he was slowly driving himself insane. In his case. My priorities aren’t amending. how can you ever hope to achieve. the time I spend with family and friends. and over the next year phased out four of his five clinics. Twelve months later he was happier than ever. This nice. It is not. or maybe just busy work.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. His patients and his workers loved him and he was loaded. less really was more. or someone else was going to wind up dead!) He drove straight to his accountant’s office.” -Brendan Fraser 41 . He was a very successful physician with five private sports clinics. restructured his organization. successful. Why? Because he was finally keeping up with himself. What is success if you don’t know who you are inside. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. 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. Lifemoney Currency “I’m starting to judge success by the time I have for myself.
reflect on the things that worked in your favor. In looking back on your past.” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. list your personality or character strengths.” 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 . these might include honors. or personal achievements. For example. Even if you didn’t consciously use these qualities back then. now you can see how you managed to win that particular prize. “I made a wise career move by getting a better job.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. Make a list of your top four or five achievements. define a recent accomplishment by personal attributes: 1. Under each. • • • • • “I earned a college degree. recognition. and/or specific steps you took while completing these accomplishments. certificates.
and so on. 43 . like sports competitions.” and “selective” came up in one form or another with each of the three achievements. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. you: • • • • • Dated selectively Looked in the right places Studied my partner’s character before getting serious Worked on my weaknesses Got pre-marital counseling “I found an amazing partner and have a stable marriage.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. You’ll begin to see how that person might emerge in the next stage of life. Some people excel at social endeavors like arranging parties or special events. some may be more physically oriented.Knowing Yourself 3. As you think about the things you’ve done that you have enjoyed and made you feel good. like academic work. What might that say about you? Using this exercise to get a sense of your approach to important life goals will help you understand where your strengths lie and what makes you happy. Look for patterns forming. Let’s say for instance that when comparing the events above words like “organization. You may even recognize the type of goals that attract you.” “thorough. you will get a better idea of who you really are down deep. while others could relate more to mental functions.
enthusiasm.Lifemoney The world is full of born-again success stories. not in a religious way. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors. but in the renewal of spirit. And maybe your list reveals a part of you that loves physical activities and accomplishments. Aiming your thinking correctly requires more Workbook exercises at the start. Write down the characteristics that you’ve often heard people mention to or about you. passion and effort. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. So take this time to remember or remind yourself of what you want out of life. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages. You’ve just done an assessment of the qualities you see in yourself and that you find positive. Your list could look something like this: 44 . That means laying the mental framework now for the physical action you will be taking later. which shows up in words like “endurance” and “commitment” and “perseverance. Or you may be the employee that handles confidential matters at your company because the boss trusts you most.” 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. You could be someone who inspires others when they go through hard times. you are on your way to getting there. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. Maybe your mom has always said you are hard working. I would like you to make a list of the qualities others have noticed in you. If you do.
This makes it that much easier to achieve your goals. It’s our job. but I don’t think you can do well unless you’re having fun. Now you have an even better idea of how to play to your strengths as you set up goals for the future. You need to keep this in mind as you plan your goals and how you will reach them. Things that are fun for us are those that match with the ability to use these character traits. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. Since most of us do a better job with activities we enjoy.Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. Regardless of how you look at it. Lifemoney Currency “You gotta have fun.” -Derek Jeter 45 . It’s business. you’ll probably find that you are drawn to things you think are fun. we’re playing a game.
But all the while. Maybe you have a lazy streak (sometimes I do). I have a saying: denial does not change reality. You put things off. But if you don’t admit to those limitations. You do. The machinery isn’t working right. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . working around it or improving it. As long as you keep fooling yourself. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good. right? I do. you will never be able to deal with the issues that are holding you back from success. It’s part of being human. “I don’t have any major flaws. As soon as you say. I got the materials (or information) late. My mom’s cat died and I had to bury it.Lifemoney What Are Your Limitations? Let’s be honest.” you’re finished. and then do a half-hearted job when you get around to them. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. Everyone has flaws! But successful people understand the value of admitting to a weakness. Everyone has weaknesses. I didn’t know what I was supposed to do. you can get into some real trouble. and moving on.
you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. For instance.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait. or not taking shortcuts on a project. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. You also can add things about your character that could benefit from improvement. write a brief description of an incident where this particular quality had a negative impact: • • • Overbearing—offended a good friend of mine Sloppy—embarrassed my girlfriend at her company picnic Late—arrived late for an interview and didn’t get the job As you begin to link certain behaviors to unwanted outcomes. like being able to say “no” when you don’t want to do something. These could include personality drawbacks. like shyness or arrogance. you can have the best intentions in the world when interviewing for a new job. even deciding how to invest the extra money you’ll be making. Now write down a few of your weak areas. what good is all that positive self-talk? 47 . But if you’re late to the interview.
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.” Instead. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need.Lifemoney Successful people don’t write off damaging personal traits as “oh well. And action means work. for their failures. Take stock of their weaknesses and work hard to improve them 2. They did what it took to climb the mountain of their success. for their inactions. get rid of it. they blame themselves 4. don’t write it off as a cute character flaw. Of course. they: 1. Don’t blame the weather for being late. Bill Gates. and their efforts paid off. You may want to start working on these weaknesses one at a time until you start seeing better results. Derek Jeter. Don’t blame the product for being inferior. so take action. they blame themselves 5. is useless if you don’t act upon it. 48 . There are so many things you can do. Eat breakfast on the way and tie your tie in the parking lot. they blame themselves In other words. for their weaknesses. and Russell Simmons didn’t earn their millions by making excuses. Knowledge. Don’t blame the economy for low profits. especially self knowledge. for their strengths 3. the minute you start passing the buck. that’s just me being me. it’s easy to throw in yet another excuse about finding the time to make these changes. for their actions. But remember that people like Donald Trump. Always assume personal accountability. for their triumphs.
So rather than dubbing the whole project a failure. They decided to view “failures” as information sources for building new things. Another example was a short lived photo search engine called Riya. For example. If you’re good with numbers. 49 . one of the most successful photo search engines on the web. Whatever your interests and skills. Though it was a full blown failure. Maybe you’ve already tried success “your way. Using mistakes as useful information is the way many large companies are innovating. But within weeks they discovered that their great inventions were totally useless. They treat everything they try as an experiment. What matters is that you freely explore any path you wish until you find the one you are destined to travel. Or it didn’t last. On the other hand.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. 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. then choose something that includes some type of numbers work like accounting or investments. you can find a path—or blaze a trail—that will lead to your personal happiness. then do the work it takes to eliminate weaknesses and build on your strengths. they viewed the results as useful information. if you like words and books choose a different road to your success such as writing or communications.” but it didn’t work. Then be fearless about taking it. Many people have failed at that. Does it mean you’re a failure for life? Of course not! It just means that you can learn from past mistakes to create a successful future. Maybe you’ll take a route that no one in your family or neighborhood has tried before. the lessons learned provided the originators with priceless information which allowed them to create Like.com.
Many successes start right where you are: not knowing themselves very well and beyond broke. Walter Elias Disney.S. I’ve lost almost 300 games. And that is why I succeed. Theme parks with the Disney name are located in the U. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937.” Just think of that for a second.. and they don’t let lack of money or support stop them. It’s easy 50 . Disney was to fantasy what J. As Walt himself recalls. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories. “It all started with a mouse. But they know enough about themselves to know what makes them passionate and hungry. France.P. and Japan. and a worldwide store chain. Twenty-six times. Starting with a little mouse. I’ve failed over and over and over again in my life. Consider one the top 50 business influencers of the 20th century. a publishing house.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. Disney founded a $20-billion media conglomerate that includes a TV network. a film studio. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. Morgan was to finance. I’ve been trusted to take the game’s winning shot and missed.” -Michael Jordan Buy Stock in Yourself Do you think successful people are born knowing themselves? Or maybe they had money to make money? Neither one is true. an Internet operation.
if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. failure and distraction along the way. One. Remind yourself of the unique skills you bring to the process. The reason for this exercise is to begin the process matching your abilities to some of the things you want. Through rejection and derision. but what if it’s never been done before? That’s the dilemma Walt faced. Walt Disney held firm to what he knew. never let the world tell you that you can’t do something just because it’s never been done before. or building financial security. Stay centered on who you are and the goals you want to achieve. Goal Achievement Exercise E Take out your Workbook. He stuck to his singular vision of himself and is now revered as nothing short of a genius. finding a life partner. Now. landing your dream job. it will help you understand if you are looking for success in the wrong places by objectively 51 . He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about. as well as any new talents you may choose to develop along the way. never tell yourself that you can’t do something because it’s never been done before. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish. This is done for two reasons. Two. So let me ask you again. list the qualities that you think you would need to achieve them. such as getting in great physical shape. But more importantly.Knowing Yourself to imagine success when it’s already been done before. 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. Under each thought you write.
Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. it might not be what you expected. be careful what you wish for. In other words. making a million dollars doesn’t necessarily mean you will be happy. Here was a guy who seemingly had it all – loads of money. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. For example. 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. because when you get it. knowing yourself and being true to yourself makes you successful. Knowing Yourself. screaming fans. Understand that fortune and fame doesn’t equate to success. Make Less .Find More As you learned in Lifemoney Lesson #1. and comparing those qualities with what you deeply desire to develop within yourself.Lifemoney highlighting what’s required for success. the Hollywood Dream – and he left it all behind to risk his life and fight fires. Why? Turns out he had Lifemoney Lesson # 2. if you want to make a million dollars. What remains important is that you feel successful at every step of 52 . adoring women. because he knew he couldn’t be happy doing anything else. As an example. you must understand why you feel a million dollars will equate to happiness. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. down cold. Know yourself and double check your motivations for success.
not a destination. 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 businessman had no problem going out for just a few hours while his own wife visited the spa. but that he only went out to fish a few hours each day. They recognize that success is a journey. obstacles and roadside attractions along the way is taking away from true success. like “I’ll be happy when I make my first million. While there. Although success is a worthwhile goal. progress at any price should be more than most of us are willing to pay. detours. See how that works? If you say “I’ll be happy when…. the two men took the boat out on the seas. he asked the locals if there was a fishing boat that went out daily. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide.” you’re in the conditional happiness trap. So many of us set conditions for our happiness. Ask yourself this: What happens until then? Truly successful people make peace with. and that to skip the rest stops.Knowing Yourself the process. and that most of his day was spent with his wife and children. and enjoy.. today. 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. Fisherman Joe told the executive that it would be a pleasure. the executive was impressed with Fisherman Joe’s skill and 53 . where they are right now. While waiting for the fish to bite. The next day. or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership.
and did not really enjoy what he was doing. asking if he could cash out his shares and return to Hawaii.A.A.” The shrewd executive knew a good thing when he saw it. I know their habits. Joe agreed. had no problem and 54 .Lifemoney ability to find the best spots to reel in a terrific catch for the day. Working day and night was more than he had expected. Fisherman Joe went from working full-time on his boat to getting three boats. would aid his partner’s goal of taking their company public. Just a couple of hours a day supplies all my needs. Joe decided he could not take this life anymore. The business life was not satisfying.” “What do you do with them all?” the business man asked. “I sell most of ‘em. He spoke to his partner.” Joe replied. But Joe was now worn out. Although Joe was reluctant to leave his comfortable home and family while working in L. who had reached his goals. they finally went public. 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. and then working a fleet. The prosperous businessman. “How do you get so many in so short a time?” the businessman asked. Soon business was booming. Joe shrugged. “How would you like to go into business with me. Finally. truly amazed. After a slight hesitation. as though he was unaware of the value of his skills. for the man seemed unusually humble. “and take home what’s leftover for dinner. The two men moved the business headquarters to Los Angeles. Joe knew that being in L. After five grueling years. “After so many years. and remove himself from the enjoyable part of his business—fishing—he did it anyway.
.A. a popular magazine interviewed him. This journey was quite productive. “From fishing a few hours a day to a multi millionaire. that’s quite a journey. so I can fish a few hours a day. and then I am going to spend the rest of my time with my family. But Joe found it a waste of five good years of his life.” Joe replied thoughtfully.” the interviewer commented. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. Both of them found success in completely opposite directions! 55 . The interviewer was amazed by Joe’s journey and the story behind his success.” The moral of the story isn’t that we should not try hard or set high goals. Two very different men viewed the exact same experience in two very different ways. and he ended up doing exactly the same thing. He already knew what success looked like to him. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. the entire experience had been a detour from Joe’s own sense of success. what are you going to do?” Joe replied that.Knowing Yourself wished Fisherman Joe well. “Yes. but he ventured away from it for more money. his journey brought him right back to square one. “I’ll get a small fishing boat. In the end. Before Joe left. It’s that you should know what you want out of life. and many might have found it fulfilling. it is. 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.
go for it. and effort to reach something that is much harder to attain. These assessments are available all over the internet or by looking in the Yellow Pages. Do you have that drive? If so.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. No one knows better than you where you feel confident versus where you feel unsure of yourself. unchallenging and even difficult. time. just understand the obstacles that you are going to face. They can measure your characteristics and ability to acquire additional skills. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. being true to yourself and finding your happiness makes you successful. who not only played professionally. If you don’t know where your talents lie or still don’t know what you feel you would be good at. you may find your work unrewarding. Assessment testing can also help find your natural strengths. Sometimes it will take that much more work. -Brad Turk 56 . Certain occupations will be a better fit for you than others. A local community college may also offer these assessments free of charge. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. and if you work in a field that doesn’t match your natural abilities. take an aptitude test. Lifemoney Currency Understand that fortune and fame don’t equate to success. Is that a realistic goal for you? It was for Spud Webb. But he is the exception to the rule. Aptitude tests can provide some insight into your talents and 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
Kanye West vs.to side track their journey.or the opinions of others . Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal. Start by Writing a Goal Goals form the cornerstone of any new beginning and are the first of several steps you’ll need to get where you’re going. And they don’t allow $2 tokens . Nobody. obstacles became simply inconveniences to be overcome. It is the first step of turning the thought of doing something into the reality of achieving something. That’s because he had more daydreams than plans. Once they decide on that goal. make a list of your top 3 goals that. For two full days this artist could not come up with the resources for even a $2 token to get there.Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. For instance: • Goal: Starting up a home-based travel agency 61 . Every successful person I know has clear goals they’re reaching for. 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). when accomplished. Mr. would make you a happier person. For this exercise. Now let me tell you about another hip-hop artist you’ll probably never hear about. It’s time to write some goals right now. His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. Goal Achievement Exercise F Take out your Workbook.
stronger. Relax. Dreams are real and they do come true if you follow this path. or better than you. Just watch television.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 happen every day. that’s natural.even thousands of people who have applied action and planning to make their dreams real. or read a book and you’ll see hundreds . Those people are not smarter. get started! 62 . they simply learned these lessons a little sooner and applied them a little earlier. The problem with dreams is that we’ve dreamt them for so long. Now is your time. listen to the radio. it’s often hard to see them as real.
etc. Understand the testing process (where given. break the list down into three or four action steps you would need to take in order to reach that objective. Clear space for new furniture 63 . Let’s set up an action plan for your goals right now. 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. Schedule exam • Build out basement to accommodate office i. Order a separate phone line from the telephone company iv. Goal Achievement Exercise G Take out your Workbook.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. Prepare for exam iv. What bridges that gap? Action steps. Find out construction costs for renovation ii. Below each. Start looking into office furniture and equipment iii. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. timeframes.) iii. Research classes that offer test preparation for agent exam ii. An action plan is just a series of steps you plan out ahead of time to take systematic action. We all know that goals just don’t happen. 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.
Let’s say you want to own your house debt free within ten years. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. Figure out what amounts of money will be needed to live off of while building the business iii. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable. Sure. Figure out a budget of what the business will cost ii. So not only do they spend a lot of time managing their time. Now you’ve written goals and some action steps that lead to the goals. When you sit down to make your plan and you see that both of your children will enter college within the next ten years and your spouse is going to need significant surgery in the next year you may 64 .Lifemoney • Raise and save enough money for expenses and salary cushion i. Successful people know that there are few assets as valuable as time. but they also add urgency to their goals by making themselves accountable to deadlines. objectives and action steps. Start putting away money weekly toward travel agency iv. but without a schedule to start with you’ll never know if you’re slipping. deadlines slip sometimes and you have to readjust your schedule.
many people leave this step out and things just never get done. This is an easy step to take. they are guides. give yourself six months. With a large goal like opening a new business. Beside each of the objectives and action steps. but the timeline isn’t given the circumstances. you should set reasonable deadlines and do everything you can to meet them. You must schedule your goals. many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. and then they set times and dates when things will be completed. Timelines do not mean deadlines. You’ll need to adjust. they identify action steps. jot down a date for reaching them. If you need a year. Unfortunately. Let’s actually do it now. give yourself a year. rushing into it is more dangerous than not starting it at all. be VERY realistic about your timeline. but for the most part. Go back to the list of goals. not written in stone. but it’s also easy not to take. Successful people set goals and objectives. objectives. For instance if you want to start your own bakery. Goal Achievement Exercise H Take out your Workbook. Schedule changes or circumstances may require adjusting a date now and then. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. and that gets your heart rate back within normal ranges and allows you to actually sleep at night. objectives and action steps.Overcoming Obstacles realize that this goal does not have a reasonable timeline. 65 . As a result. The goal is still reasonable. and action steps.
you might have to adjust your action steps or your due-dates to make them more reasonable. I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. His solution was to write everything down. 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). Written words are also great for organization and focus. “I’m waiting for you to write that last item down. I learned early on a major flaw that he had that amazed me. I stopped and paused. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. I told him.Lifemoney If you keep on falling behind and have to reset your dates. he knew how to compensate for his flaw and it practically never affected his work or his success. Like most successful people. The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline. After he said he was going to take care of one of the items that I did not want to do. most talented and gifted people I know. About 30 seconds of silence went by and he asked me why I became quiet. I actually had a business partner who is one of the smartest. He probably had the one of the worst memories I have ever seen. Never underestimate the influence of actually seeing your goals written out and in front of you every day.” 66 .
committed. annoying. tasks first. Do the important. set deadlines. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. even if unpleasant. Every day you should be aware of all your goals and the steps needed to attain them. Set aside some time each morning to review your list and begin working on the listed tasks. but you will make progress and. moving you closer to achieving your goal. For goal setting you will need to prioritize tasks. You may not get everything you had planned done in a given day. realistic. you may need to break down the week by hours to make sure you are managing your time properly at first. Keep it in the notebook you have been using or in a calendar program that you can keep handy.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. Here are a few tips for using your daily “To Do” list: 1. Depending on how organized you are. 67 . over time.” -Les Brown Goal Achievement Exercise I Make a daily written. measurable. and visualized steps. and anxiety producing things out of the way when you have more time. You should get the boring. reserve a block of time to do what needs to get done. you may be able to do more things in a day. and plan specific. “To do” list which you will reference daily.
and I am happy with it. I have a main list at home and a daily list that I take with me. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up. Computer programs and electronic organizers can save you a lot of time over manual lists. your PDA or phone alarm as a reminder. I will do things like leaving a basketball by my front door. Carry a pocket-sized list with you at all times. For example. but it is visible and reminds me daily to get out and play. So if you need post its. you plan to fail. I want to start playing more basketball. but it works.Lifemoney 2. I don’t recommend this method. 3. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. -Brad Turk 68 . use them! Lifemoney Currency It’s true – if you fail to plan. With computer programs and organizers you can adjust lists quickly and neatly. I know I could come up with a more efficient method. Although I suggest technology. It’s just something I want to get around to doing more often. do what works for you. even I know it is kind of strange – but it works for me. I do this. Obviously. It is not in the way. but it is not really a priority that I want highlighted on my daily to do list. We need to take luck out of the equation. 4. Learn how to use technology.
But MCI was not concerned with this.” Unfortunately. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. with fewer expenses. Adversity and obstacles will come up along the way whenever you start setting goals. not stumbling blocks in their path. Mental and physical preparation is essential to finishing any journey. Whatever obstacles have been preventing you from starting your journey. taking market share away from MCI and AT&T. These companies were offering rates that were about half the price of what we sold. My problem was that I was the one handling those smaller customers. not price. newer provider. it is extremely difficult to sell value at two times the cost for the same product. 69 . They step up and success is their reward. because it mostly affected the smaller customers. I found that MCI was one of the highest-priced long distance service providers on the market at that time. and you must be mentally prepared to deal with them.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face. Successful people use their Lifemoney skills to look at obstacles as opportunities. Most of their larger customers simply wouldn’t take a chance with a smaller. The MCI philosophy was “we’re selling on value. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. now is the time to knock them down forever. There were a lot of smaller companies.
Below that. list possible or proven obstacles or fears that may be keeping you from reaching your goal. let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. Then come up with the solution/objective and an action plan. With firm goals and objectives in mind from Exercise F. That meant that for every 100 reps starting at MCI. 95 left or got fired.Lifemoney I quickly scrambled to find a solution. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. This was the beginning of a booming market. The turnover rate for my position that year was 95%. Describe one of your main goals in a sentence or two. Luckily. I started looking for other products to sell even though long distance was supposed to be our main focus. Lifemoney Currency “If you don’t like what’s on TV. 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. Be honest and write every obstacle and fear you can think of. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . but one I might have overlooked if I hadn’t learned to overcome obstacles quickly.
clear. So is flying an airplane impossible? Of course not! People fly planes every day. etc. etc. save money for classes. Objective: Find out about buying a used plane Action plan: Find out about bank loans. so you will need to spend some time figuring out the possible or probable barriers to your goals. they add action to their goals and steps and turn dreams into reality. • I don’t have a plane. Each part of this process should be specific. start a savings account with regular deposits. 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. Objective: Take Flying Lessons Action Plan: Research Classes. and colors for different people.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. and manageable. So how do they do it? They are not superhuman. find an online interest group. These obstacles come in all sizes. • I can’t afford a plane. 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. but they are action heroes. etc. People just like you and I. It’s like your teachers used to say in school: “You’re only cheating yourself”. so that you will 71 . focused. Objective: Research planes and prices Action Plan: Go online and research planes.
Number 1: Procrastination 72 . allowing failure to be an option. All of these steps we have completed so far help you get focused.Lifemoney end up where you want to be. As with this goal of flying. When we face challenges and overcome them. procrastination. and 3. or even when we face them with not-so-successful results. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. making excuses. Let’s examine each of these and ways you can beat them every time. you’re probably going the wrong way. the goal suddenly seems reachable. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles. and manage your way to achieving your goals. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1. Lifemoney Currency “They say if everything’s going your way. 2. your real goal at first may seem almost impossible to reach. we learn from our success and failures to meet the next obstacle with even greater results. you’re probably going the wrong way. That’s because life is supposed to be a challenge.” -Brad Turk Three Huge Obstacles In my life as a successful businessman. They say if everything’s going your way. stay clear.
or avoid taking action steps once the plan is made. 73 .” “I don’t know where to start.” “I’m over-committed already. By procrastinating I mean putting off or delaying an action or task to a later time or date. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments. To me. procrastination is one of the worst enemies of success.” “My wife’s nagging won’t let me think.” “My husband says it won’t work.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination. 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. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4).” “I can’t find a minute to myself.” “I don’t have the help I need. and some of us are experts at it. It’s easy to put off making a plan for starting the journey to your goals. We say things like: “I’m too busy.” The list goes on and on. too.” “The kids need me right now.” “It costs too much. All the time that is wasted procrastinating is not putting us closer to reaching our goals.” “I’m too tired.
Or don’t think about not feeling that well at the moment. do “a part” of the task. some willing to work. Maybe after that is done and your body is in motion. We all know time-suckers. Instead of doing the dreaded cardio. just go and focus on doing the weight training. Just get up and go. Just do it! Example: When it’s time to go to the gym. You tell T 74 . the rest willing to let them. Example: You are on the way to the gym and your buddy calls you to go out somewhere. Maybe a part that interests you most.” -Robert Frost h i nk about that quote. • Do a part of the task. Don’t think to reschedule it for a better time. Even pick one of your favorite exercises to start. places (the mall). you might be feeling up to doing the cardio. You’ll feel better after you do. Example: If you’re not feeling well and you are supposed to do cardio and weight training.Lifemoney Lifemoney Currency “The world is full of willing people. Which one do you want to be? Isn’t it time you stop playing victim and start working on your plan for personal success? I have listed some effective ways to overcome procrastination (and an example for each using the goal of getting in shape): • Just start! Don’t let any thoughts enter your mind and don’t think about the task. or things (Xbox/housework/chores). Don’t think about the whole thing. • Avoid people or things that will take you away from what needs to be done. go. be they people (your lazy cousin Eddie).
• Find a partner. get a friend involved or find someone at the gym who keeps the same workout schedule. he’ll be waiting for you when you’re done. • Focus on the results. While this may be extreme. Many successful people consciously visualize a result before beginning a task. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. • Write down why you’re avoiding the task. If failure is always an option then success may never be within reach for you. colleague or friend.Overcoming Obstacles him you can’t but he is persistent. You need to be firm and stick to your plans and continue on to go to the gym. find a workout partner. not the task. If he’s a real friend. I’ve seen people literally write down “make a million dollars this year” on an index card. For instance. which explains why a significant number will fail or relapse when the going gets tough. fold it up in their wallet. Example: If you don’t feel motivated to go to the gym and you dread having to go. Sometimes we just need a little outside perspective from a family member. and spend every waking minute realizing their goal. Example: If you need outside motivation. Yet most of us grab onto great ideas for self-improvement without much thought. think of how you are going to look at the beach. visualize the result you’re after. not the steps it takes to get there. You can hire a trainer. 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. All successful people meet their obstacles 75 . don’t think of the exercises that you need to do.
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 . Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. How far are you willing to go for success? If you concede failure before you even begin.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. star and creator to see his project come to life. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed. at last. he found a movie studio willing to buy both his script and his portrayal of the main character. you may never know. 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. Stallone refused to fail. He persevered until. Much like the boxer in his now famous movie. Sylvester Stallone went through huge trials and tribulations as a writer. 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. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie.
Being a doctor has been her desire since she was a child. Life circumstances and 77 .Overcoming Obstacles • • • • • Do you need technological expertise? Should you take a class? Should you attend a marriage seminar or see a marriage counselor? Should you seek help from a professional consultant? Who do you know that could be a possible business partner or help you connect with the right business partner? • Do you need to network with others in your field to enlarge your knowledge boundaries? • • • • Will your current job or career environment support these needed changes? Does your company recognize and reward growth? Can you make more money or advance more rapidly at another company? Does your company pay for tuition reimbursement? Answering these questions might require some habit changes. Emotionally speaking you may be thinking it’s too late for you to change. But it is never too late to achieve your desires. 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. This becomes a lifestyle challenge that you must address. if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. You might feel too old to reach your goals or that it is too late to realize your dreams. At the age of forty. my sister enrolled in medical school. For example.
Excuses are probably one of the biggest obstacles that keep you from achieving your goals. This is just not acceptable. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. the thing you were suppose to do did not get done. Number 3: Making Excuses Excuses are very powerful.Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. Rather than making excuses. working overtime to prove your usefulness. Your elaborate reasons will not impress anyone. But guess what? Excuses are worthless! There is never a need to make an excuse. 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. maybe even a small one. Start with one goal at a time. Lifemoney Currency If failure is always an option for you then success may never be. and approaching your supervisor at just the right time to maximize your chances for success. they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do. Your action steps might include dressing the part of the higher position. -Brad Turk 78 . like earning more money by asking for a promotion. The bottom line is.
_____ 2. and then tally your score. action steps. The plan should list the goal. objectives.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. That means creating a written plan for reaching a specific goal. I have a good idea of my action steps to reach each goal. Being prepared to face them is a huge factor in overcoming them when you meet them. We need to do everything in our power to make them happen. Whatever you do. Let me repeat: NEVER FORGET to anticipate that obstacles will come up. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. remember that when this process is complete you are ready to step on the gas and head on toward your destiny. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. I am ready to create goals. Lifemoney Currency: Good things don’t just happen by themselves. timelines and an idea of some of the obstacles you’ll face. We need to do everything in our power to make them happen. 79 .
_____ 8. I have created a timeline for my action steps that appears to be reasonable. _____ 10. ______5. I am ready to stay committed to my written plan and see it through with daily reminders. _____ 7. Lifemoney Currency “Excuses will get you everywhere. I plan to tackle the more difficult things on my “To do” list first. I am looking to see how technology can make my life easier.” -Brad Turk 80 . Just not where you want to go. I have thought about some of the obstacles I may face. I have plans to fully and completely address all roadblocks to my success.Lifemoney ___ 3. No excuses: I will not let myself off the hook. _____ 4. I am ready to adopt the mindset of someone who will be successful. _____ 6. _____ 9.
awesome. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen. “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. 'Good job. My favorite is the one where a television anchorman says to the caveman. priorities and commitment. Yeah. well done. and laying the foundation for all mankind. efficiency." Overview Success requires the right tools. good point. inventing the wheel.” 81 . time management. like walking upright. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals.' it would have made me actually look and feel ridiculous. Learn to use these five with skill and you’ll achieve whatever you can dream. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. discovering fire.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned. The five tools are focus. you’re right.
Whatever the task requires .stoves. you need to select and develop the tools that will help you achieve your goals. There was a time when people had to be told how to use a telephone. Technology is just a tool. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make.our tools surround us. cars or computers . nearly everything in our world is a tool. If you stop to think about it. successful people use many of the same mental tools – and use them 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. 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.” -Tom Clancy 82 . People use tools to improve their lives. We create mental tools to help us achieve greatness as well. Though different tools may suit different people best. Now that you’ve made up your mind to go after your dreams.Lifemoney We’ve been innovating and making tools since we lived in caves.
Tools for Success
Tool #1: Focus
Bruce Lee, the martial arts expert and movie star, once said, “The successful warrior is the average man, with laser-like focus.” Focus is something we don’t usually hear about but trust me: it is on the minds of every single successful person. Focus is exactly what the name implies; a narrowing of the lens until we get bullseye aim on our ultimate desire. We live in a world full of distractions. There are more TV channels than we can ever hope to watch, an entire industry devoted to creating computer/video games, four new movies to choose from each week, nearly 200,000 new books that get published each year and nearly that many new CDs. When you add in blogs to read, email to keep up with, instant messaging, cell phone calls, and all of the other daily distractions we deal with, it’s a miracle we get anything done at all! It is extremely important to stay focused on your goals. Don’t be distracted by external things. Distractions and challenges will come daily, if not hourly. These could involve the things mentioned above, people in your life, your job, your hobbies, or just about anything else that comes your way. Look past your obstacles and stay focused on where you’re going. This is how you handle obstacles effectively and keep yourself zeroed in on success. Notice I didn’t say you don’t have to deal with the obstacles – you just simply have to return your focus to your goal as soon as you deal with the obstacle. As you begin to recognize some of the common factors that have been sidetracking you and possibly bankrupting your motivation to accomplish goals, you will develop a clearer mindset on how to avoid distractions in the future so you can steadily pursue your personal vision of success.
“The successful warrior is the average man, with laser-like focus.” -Bruce Lee
Goal Achievement Exercise K
Take out your Workbook. List the typical distractions you face in a given week. From unwanted phone calls to sorting email, write down everything that takes time away from more important matters. Here are some possibilities: • • • • • Yard work House chores Chatty neighbors or co-workers Last-minute errands Television, computer, or video games
Beside each distraction, write one or two ways of seeing through the distraction, as shown in the following examples: 1. Yard work—get the kids to help more; hire someone to do it; schedule certain days for it. 2. Unplanned errands—do what you have to; postpone non-essentials. When you identify your most frequent distractions, you can stay more focused by spotting them early and seeing past them. The key to laser focus is recognizing what
Tools for Success throws you off focus and planning what you will do about it ahead of time. There is no substitute for knowing exactly what drags your focus off point.
“A major part of successful living lies in the ability to put first things first. Indeed the reason most major goals are not achieved is that we spend our time doing second things first.” -Robert J. McKain
Tool #2: Time Management
Imagine there is a bank that credits your account each morning with $86,000. It carries over no balance from day to day. Every evening the bank deletes whatever part of the balance you failed to use during the day. What would you do? Draw out ALL OF IT, of course! Each of us has a bank like this. It’s called TIME. Every morning, it credits you with 86,400 seconds. Every night it writes off as lost whatever amount of that precious, precious time you failed to invest to good purpose. It carries no balance. It allows no overdraft. Each day it opens a new account for you. Each night it burns the remains of the day. If you fail to use the day’s deposits, the loss is yours. There is no going back. There is no drawing against “tomorrow.” You must live in the present on today’s deposits.
Lifemoney Invest it so you get from it the utmost in health, happiness, and success. The clock is running. Make the most of today. Consider the following list which has circulated on email listservs many times. To realize the value of ONE YEAR, ask a student who failed a grade. To realize the value of ONE MONTH, ask a mother who gave birth to a premature baby. To realize the value of ONE WEEK, ask the editor of a weekly newspaper. To realize the value of ONE HOUR, ask the lovers waiting to meet. To realize the value of ONE MINUTE, ask a person who missed a train. To realize the value of ONE SECOND, ask a person who just avoided an accident. To realize the value of ONE MILLI SECOND, ask the person who won silver in the Olympics. Time is far more valuable than money, personal resources, and sometimes even health. Why? Because it is the one thing you can never get back. Once a moment passes, it is gone forever. You have lost the chance to make good with it. All you will have is a memory. If you are wise you put your time to good use – just like you invest money in the bank. But if you are careless then time will be wasted, leaving no significant memories and giving you no investment for future use. Time is the ultimate variable between success and failure. It is extremely rare to find a successful person who doesn’t manage his or her time effectively. Find ways to
The next time you’re tempted to spend time where it won’t count for much. or reaching that goal you think you just don’t have time to reach. Rachel Ray. finish whatever you start. ignore the invitation and do something constructive. driving to the store. busy with multiple high-profile projects including a daytime talk show and cookbook empire. minutes. Second. While this may be extreme for you. Extra snippets of time come in the most unlikely places. insists that she. If you wasted just 30 minutes a day on surfing channels. only sleeps 4 or 5 hours a night. talking over the fence to your neighbor. let alone two or three. If you’re unclear about your objective you’ll be unclear about the time you’re spending. or useful for others or yourself. be very clear about what you’re trying to accomplish each day. First. Just pride yourself on finishing projects and never allowing them to linger unfinished. contributing to the community. days. interesting. like building a career. enjoying your family. Third. think of the extra hours you could find just by adjusting to one less hour of sleep per night. after 50 years you would have spent more than a year of your life “wasting time. too. Trump: Think Like a Billionaire. Donald Trump suggests sleeping only 4 or 5 hours a night.” 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. In his latest book. or browsing the classifieds or eBay for things you don’t need. 87 .Tools for Success manage time well and you become a master of extra hours. Take it a step further and think of how much time we waste every single day. weeks. To manage your time better I would suggest four things.
he is efficient with his time and committed to writing practically everyday. How does one author manage such a staggering number of pages? The answer is efficiency. While many consider him the “King of Horror. Fourth.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. all of them bestsellers and featuring such instantly recognizable titles as Cujo. Someone who knows a little something about being efficient is Stephen King. the Fourth of July and Christmas. except for three: his birthday. The Shining. or any other resource you have available. Carrie.” . Remember that your time is your time. You are the only one who can guard your time – no one else will do that for you. money. and Misery. The Green Mile and Hearts in Atlantis. every single day of the year. back in 1974. King has consistently published three or four novels per year. the author of some of the world’s most popular novels. The good news is you're the pilot. So even though he is not working 10 hours a day on his books.” the author is also the mind behind movies like Stand by Me. King has long said he writes at least four hours a day. Salem’s Lot. Since publishing his first novel. It’s a good lesson for all of us: you might surprise yourself 88 . don’t give into time wasters. energy.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. Lifemoney Currency “The bad news is time flies.
Goal Achievement Exercise L Take out your Workbook. when you get the chance to make decisions. You also should get in the habit of counting the “efficiency cost” of each decision you make. Not pushing paper or daydreaming. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. Let’s do an efficiency exercise. weigh each one with a view to your goals. From now on. 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. 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. In other words. you may need to reconsider that decision. My guess is that you will get more done in four focused hours than eight unfocused ones.Tools for Success how much more you could produce in your own life with four highly concentrated and efficient hours per day of real work. from time spent with friends to starting a home-based business. Ask yourself. but efficient work. some activities are more efficient in getting you 89 . Everything in life has a price tag.
but efficiency of performance is what wins the game for the team. To better manage your time and utilize your time more efficiently. time.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. especially future goals. 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. For that reason. Using time efficiently is a huge obstacle for many people who are would be success stories.Lifemoney toward your goals than others. or even minor. consider making changes like these to enjoy life now while working toward a better one for the future: 1. 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. decisions: • • • • How much will this cost in terms of money. get in the habit of asking questions like these before making major. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. 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 .
Things do not always go like clockwork.Tools for Success to accomplish in the first place. Get a Spam filter for your e-mail. When we schedule a block of time. 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. kids get sick. like getting to work or going to the store. When our “To Do” lists are too full. 6. 4. Many programs offer everything from stock tips to weight loss programs to informational documentaries. or both. Unfulfilled lists lead to depression and disappointment. 2. We are not computers. with planning and forethought. cars break down and bosses demand overtime when you least expect it. exercise. television can be a valuable tool. Watch less TV and do something more productive. we can’t perform task after task without stretching our bodies. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. Set aside “unwind time” after work or school. or poorly. 5. minds. What would you do with 7 extra hours per week? Watch one less hour of TV per night and you’ll soon find out! 3. we tend to perform those tasks more efficiently. most don’t. Eliminate the hassle by making something you have to do anyway. Setting aside one hour at the end of every week to analyze how well. you managed your time that week can save you hours the following week by learning from your mistakes. spouses need our help. and make any needed adjustment. 91 . Don’t overfill your “To Do” list. When viewed wisely. which can be as little as fifteen to thirty minutes. Monitor how you’re spending your time. neither of which fosters success. they often remain unfulfilled. between important tasks.
complaining is not action. “Worry is not thought. Appreciate unexpected delays. etc. open the window and enjoy the air. If you’re stuck in traffic. I usually use car time to catch up on calls that I need to make. Bring a book to all your “doctors visits. 8. 92 . You get up. or a car to drive. Think of the day you were sick in bed. 9. Use waiting periods wisely. the day begins with the priority of going to work and chasing a paycheck. 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.” Never waste an opportunity to learn. don’t worry about the rest. get dressed. 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. Only focus on things you can control. we gain not just precious moments but momentum. you would not have a roof over your head. food to eat. Always carry something to capture your ideas. and get going to a job so you can take home a paycheck every few weeks. Tool #4: Priorities What are the priorities in your life? For many. 10. When we learn to use our time – all of our time – wisely. waiting for appointments.Lifemoney 7. wishing you could be outside. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. Take a break to relax and listen to music. Without those paychecks. Entrepreneurs. creative people. especially when it’s spent in waiting rooms. Mason Cooley once said. in restaurants. there would be so much less to worry about. even when it’s spent waiting for things.
Then commit to giving your best to your life and to your goals daily. If your goal is to write a letter to someone. 93 . Finish what you start when you start something. Don’t multi-task and try to accomplish too many things at once.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. Don’t do busy work. something or someone important is going to get short changed. The third suggestion for prioritizing. Choose a priority and be a finisher. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. 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. The need for a clean desk before you can begin is less a necessity and more of an obstacle. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. Do whatever you’re doing all the way. You can easily become distracted doing this and usually nothing gets done right. You come home to people that mean a lot to you. complete all the important things at the beginning of each day. and take time to spend with the ones you love. Focus on one step at a time. focus on writing and not the collateral activities that might make writing that letter easier.Tools for Success Another priority for many people is their relationship with family members and friends. Second. don’t spend three hours cleaning your desk so you can get started. In other words. 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.
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. Fifth. and freed up some of my time to work on other priorities. Leonardo da Vinci. I would often share sales opportunities and business deals so that I would have less work to do.” -H. Jackson Brown 94 . I could do it myself. Pasteur. One example from my life is that I pay to have my laundry done.” Delegate worthwhile projects that can be handled by someone else. Sometimes you might want to consider sharing profits or payoffs in order to get needed help. Lifemoney Currency “Don’t say you don’t have enough time. Mother Teresa. Michelangelo. Together. Pay less attention to things that come up but have no relevance to your goal.Lifemoney Fourth. I never answer my phone unless it is a call I’m expecting. Take on only what you want to do and say no to the rest. Sure. and Albert Einstein. Even though I had to share the profits. create a sense of urgency for important activities that are going to be meaningful in your life. 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. give up the little things that scatter your time and energy. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. That will only take me away from my priorities. Thomas Jefferson. my partners and I had a synergy allowing us to accomplish more in less time. it was worth it to me. don’t be afraid to say “no. Your time belongs to you.
When I was talking to him about his workout plan. as he calls it) for over ten years. I learned that through most of those ten years he had worked 10-14 hour days between his job as a paramedic and a bartender! I asked him how he found the time and energy for working out at this pace. we call it a mortgage. it was like brushing his teeth. we feel obligated to keep that date. His response was that working out was one of his daily events. would you? 95 . It was something he had to do. I was amazed at his dedication and commitment. or sleeping. In the same way. you need to make your goals – things to do – daily activities. When we make an appointment to see the doctor.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. Then the real embarrassment came: after going over his working arrangement. eating. You wouldn’t go a whole day without eating. For example. when someone buys a house. besides his normal two week break. he had not missed a single week of working out. a key part of your lifestyle. he told me that he hit the gym five times a week. consistently. 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. few of us make that type of do or die trying level of commitment to ourselves and our own goals or even to the commitments we make to others that may help them reach their goals. I have a friend who has been bodybuilding (or body sculpting. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. In the last ten years. However. they make a commitment to the bank.
260 income tax returns will be processed incorrectly this year 2. 1. 22. You have no choice really.200 gallons of coffee assumed to be caffeinated will turn out to be decaf but consumed nonetheless in just one tax firm during the 1991 tax season • • • 103. Follow through.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268.9% effort will not get you where you want to go. Daddy's House Social Programs and the public schools of New York City.517. He went from hanging out and drinking at clubs (I know. give 100%. because a 99. this was based on a study done in the 1990’s that circulated in email: • • • • • • Two million documents will be lost by the IRS this year.500 defective personal computers will be shipped this year 2.000 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.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 .Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.200 books will be shipped in the next 12 months with the wrong cover 5.2 miles.9% effort were given. I saw him) to a few months later running 26. Here’s a breakdown of how things might look if only 99. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation.488. Go big or go home. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine.
500 mismatched pairs of shoes will be shipped this year $761.000 incorrect drug prescriptions will be written in the next 12 months 114. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20.Tools for Success • 3.” He did not believe Jamie could pull off the part. wanted nothing to do with Jamie. Do You Have the Pit Bull Mentality? I think another illustration of how successful people stay committed to what they want is when the actor/comedian Jamie Foxx auditioned for the role of Willie Beamen in the classic movie about pro football.900 will be spent in the next 12 months on tapes and CD’s that won’t play 107 incorrect medical procedures will be performed by the end of the day today 315 entries in Webster’s Third New International Dictionary of the English Language (unabridged) will turn out to be misspelled. often unsafe. Jamie was already a 97 . He even went so far as to tell Jamie that he “would not waste one inch of film on him. next Thursday and every day in the future on defective. Jamie could have easily walked away. The director. saying Oliver Stone didn’t know what he was talking about. tomorrow. Any Given Sunday. Oliver Stone.690 will be spent today.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9.
he said that he couldn’t make the movie without Jamie. Roc.Lifemoney successful comedian/actor. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . Cooper. at that point in his career he did not need the role. They are humble enough not to think they are too good to put in the extra effort. 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. and he had already done many TV shows like In Living Color. But that’s not how Jamie viewed and approached it. Lifemoney Currency Never. never. First. I think it is fair to say that although it turned out to be a great part for him. The Jamie Foxx Show. remember to get and stay focused on success. Second. So that’s how successful people handle getting something that they want. He had also starred in several movies by this point. Moesha and Hanging with Mr. they are confident in their abilities and they stay committed until the task is accomplished. I heard that after Oliver saw the audition tape. never give up. He had his own TV show. -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.
Last. work hard to eliminate the “white noise” of your daily activities and learn to pay attention to the things that are truly meaningful – your priorities. Third. make a commitment to embrace your goals and make them part of your life. you go to it. talents.” -My Mother 99 . minute. and resources. Fourth. Lifemoney Currency ”Success doesn’t come to you.Tools for Success second. or hour passes it is gone. make efficient use of your time.
I am “do or die” committed to doing what it takes to reach my goals. _____ 6. _____ 10. I have evaluated my schedule and am eliminating the time-wasters. I am taking steps to avoid or redirect or see beyond these distractions. I am willing to delegate some tasks to others. and then tally your score. I have made a list of the major distractions in my life. _____ 2. I have identified my focus and am ready to pursue it wholeheartedly. _____ 7. I am determined to include my goals in daily lifestyle activities. _____ 5. _____ 4. I have begun sorting high priorities from non-essentials. _____ 3.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. I am taking specific steps to make better use of my time. change or impact – You can’t worry about” -Brad Turk 100 . _____ 8. I am learning to make choices that will lead me toward my dreams. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 9. Lifemoney Currency ”What you can’t fix.
one giant leap for your life. as long as you are going forward.” -Christopher Gardner Overview Finally. You add them all up. he took on the role of a complicated. Gardner believes he has over $600 in the bank. only to find out later that the IRS has seized the bulk of the account. but just starting down the road to success is one small step for you. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. You may not feel like you’re making much progress yet. your plans for reaching your goals are in play. At one pivotal point in the movie.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count. Progress Report When Will Smith played the lead character in The Pursuit of Happyness. compassionate and ultimately successful man named Christopher Gardner. and one day you look back and you’ll be surprised at where you might get to. to 101 .
it will most likely take months. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. The resulting loss sent Chris and his young son onto the street. Busy work doesn’t get it.500 shirts to local retailers.000 for everything you need to get started. including printing. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. and literally withdrawn it from the account. Instead.Lifemoney the tune of $600. You’ve decided that you’re going to launch your t-shirt line six months from now. It will cost about $5. 102 . let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. But this motion is not complete unless you are taking active steps to measure your progress and know where you are on your journey at all times. it’s easy to wander and not finish the essential steps that lead to your goal. filled out paperwork for an extension. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. you need your plan clearly laid out and a means to track how you’re doing. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. When things take time. For example. to do everything that you want or need for your dreams to become reality. 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. While the event seems tragic. if not years. But don’t worry: patience and paying attention brings progress toward your goal. shipping and delivery of the first 2.
but by all means use something. electronic calendar or some other external system. What might have happened if you didn’t take notice that you took out all that money? You would have failed to achieve your goal. This messes you up because initially you only needed to deposit $110 in the account each month. Was the goal bad? No. It’s been a year since you made the decision to launch. I prefer a big calendar. Was it out of reach? No. you simply failed to keep track of your progress. where you’re going and how you’re doing. Were you on track? Yes. But when you check you notice that there is only $4. We often just assume things are going to work out once we have our plan in place. In this example. Keep it simple. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. or about $160 monthly. This means that you will need to save $960 in the next six months. and you recall spending $300 to get a new bicycle. shipping and delivery – into place. What happened? Most likely – you made a bad assumption. 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.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. The simple reality is you need one single visual reminder of what you want. but a big 103 .040 in your money market fund. a daytimer. What happened? Well. Don’t forget the map! The solution to this common problem is either a chart of your own making. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch.
Let’s find out what they are. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F.Lifemoney piece of paper would do. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. I make sure I regularly review my objectives. 3. Here are my basic elements: 1. 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. 2. List a Goal: This is where I simply write out my goal – one goal per sheet. As always. 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). make this sheet physically easy to see as you go through your day. Written goals are powerful. so I’ve broken down my own personal system into five easy to monitor factors. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. It’s important to monitor each goal separately so use a separate sheet/planner for each goal. Also. They are items that need to be accomplished to get me further toward my goal. 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. I’m addicted to simplicity. As you can probably tell. I write these action steps in clear and direct language using 104 . Your reminder system should have several key components.
Closure on my objective always makes me feel good. the more accurately I can tell if I’ve reached what I originally envisioned. Goal Achievement Exercise M Take out your Workbook. You can find lists of action verbs by doing a quick Google search for lists of action verbs. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. We’ll start with January. Charting your journey in writing helps to make the whole process seem more real. creating objectives and action steps. I am going to use an example of setting a goal of becoming a better golfer in a year. Now it’s your turn. as well as your response to them. and is a great marker of progress toward my goal. 105 . but below is a model that provides an idea of how yours might look. Take it out for review often to make sure you are headed in the right direction. I will reach my goal. Completion: I always mark the date when I’ve achieved each objective. and keeps you in touch with the realities needed to make your goals happen.Evaluating Progress action oriented words. If I reach my objectives. 4. 5. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. Create a grid that lists basic steps for reaching your goals. I have found that the more specifically this is worded. How you arrange your grid is up to you. I reach my objectives. a popular time of year for making new resolutions or resetting ongoing goals. If I do all my action steps.
Even if you don’t fill every moment with related tasks. Action Step I will take 2 hours during the first week of this month to write out my plan. 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 surf Internet for local golf pros. will be spent revisiting an earlier action step. I will get expert help and assessment. by the way. Call for subscription to Golf Digest. you can quickly and objectively measure your devotion and success in chasing your dream. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest.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. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. and equipment of golf. When you go back and check your grid periodically. pros. to work toward your goal. keeping a grid like this one will show at a glance what you are doing. Read one golf magazine article per week to learn more. 106 . Learn terms. Check yellow pages for indoor putting green. Outcome I will enjoy my golf game more and feel a sense of accomplishment. Enjoy the thrill of getting better. and how often. Some weeks. Year-round practice will improve my skills. For instance. I will make the time to sign up for lessons and commit an hour a week to practice.
Make it easier for them to evaluate you by asking the right questions. This is good. Find something that works. Ask good questions Most people want to know what they did right. Maintaining Your Course So what can you do to make sure you’re headed in the right direction? Here are a few tips for realigning your journey with the original goals that motivated your action plan. If. and you found little change in the numbers after a few months. To find out if you’re off track I suggest you find out what you did wrong. even if that means rotating new activities through the process until you find one that works best for you. For example. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. Evaluate the input. If you get the same input from different sources. you are now going to get a few things that they were not that excited about. “Please tell me the three things you liked least about what I did.” To get better information ask. I liked it all.” This makes them think. 107 . “You did nothing wrong. chances are it is correct. the diet routine. for example. Fortunately and unfortunately. or instead of.Evaluating Progress If you decide to change your goal for whatever reason. remember to adjust the steps to getting there. you could switch to a physical activity approach in conjunction with. Ask for outside input from people you trust to be honest. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. it also forces them to be specific.
4 billion was thrown out of 2nd grade. You don’t have to take every piece of advice that’s offered. If you argue or make excuses. You’re allowed to discard opinions if you have a strong impulse that they are wrong. I’ve been wrong on many occasions. Criticism is good – it lets us see a different side of ourselves. It also lets us know how others see us. Don’t be afraid to be off track—or even outright wrong. practice what I call the 4-BE System: • • • • BE objective BE open-minded BE sure to listen and see if it is accurate BE honest with yourself. He was told that his best hopes for a career would be as a carpet layer. Analyze the critiques and use them as you see fit. however. 108 . just listen carefully and ask how you can do it better. Before you open yourself up to criticism. which is totally worthless. In 3rd grade he was sent to a school for mentally challenged children. When someone tells you point-blank that you’re going about something all wrong. Keep in mind that not all opinions you get will be accurate. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. people will stop telling you what they really think and say only what you want to hear.Lifemoney Welcome criticism Some of the comments you receive might include criticism. don’t reject impressions just because they are negative.
founder of Woolworth’s and modern department stores. where you want to be. Good thing he didn't. With his creative mind he patented over ten thousand inventions. Registering for a financial planning seminar. and how to get there in the most efficient way. Before being home-schooled he was kicked out of three schools. • Albert Einstein struggled in high school math. if your goal is to retire at age 45 meet with a financial planner. he never gave up.W. or we wouldn't have his incredible. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. Woolworth. far-reaching. taking a personal finance class.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. including the light bulb. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. that he was a screw-up. or an investment agent to discuss planning strategies that can make this possible. His bosses thought he lacked the common sense. and film. You might even want to get several opinions and weigh several options before making a final decision. or attending a money management workshop are additional ways of becoming more knowledgeable. and creative theory of relativity that has shaped modern physics. • • Walt Disney was once fired for a lack of "good ideas. the phonograph. Yet. These also help to make sure you have a realistic goal set and that your 109 .Evaluating Progress • Thomas Edison was told he was not teachable. His name was F. Get enough information to provide a clear picture of where you are currently. For example. His last headmaster said he'd never make it. your banker.
a death in the family. Watch your goal progress closely Check your daily activities. As you try to achieve your goals. 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. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. and your progress to see if adjustments are needed for a better chance at a successful outcome. you still have time to adjust your plan to maximize your chances for success. Some people even use something as simple as notes. a great new job offer that comes unexpectedly. your plan. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. O. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. Notes to yourself.Lifemoney plan for reaching your goal will allow you enough time to meet the goal.K…. or meeting someone and falling in love.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. this is the time to reevaluate your goal. 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. you may get off 110 . Either is fine. keep track of your progress. daily steps that carry us the furthest distance. Your best skill is your ability to write things down and track yourself. If not. the loss of a job. Above all remember. as long as you continue to make steady progress. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis.
The faster you uncover the weakness within you and address it. Here are some examples to get you started. And don’t forget that sometimes you get off track due to internal factors rather than external ones.” “You’re always late. There are some very good action steps you can take to get yourself going again. Don’t beat yourself up for being normal. take this information and use it to your advantage.” “I have to constantly watch you because you waste so much time.” Rather than being upset or offended. 111 . and then outline action steps you can take to address these.” “You’re attitude is bad. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time. Then move on to do the same with larger tasks. Goal Achievement Exercise N Take out your Workbook. List the five most common criticisms you hear about yourself. “You always complain and never offer solutions.” “You work slowly. • • • • • • • “You have trouble following through to get things done.Evaluating Progress track too. the faster you can get on your way.” “You’re stubborn and won’t do as you’re asked. properly aligned and refocused. We’re going to address some of the internal areas that may get you off track to achieving your goals. You stop exercising or you start watching a new television series that leads to another new show to another and to another.
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. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. Then be proactive in making changes to benefit yourself and others. If you don’t make notes of how you’ve broken down your duties. Especially honesty with yourself about your own weak spots. you will lose track and wander in pursuit of your goals. Write down the smaller. daily pieces that when completed will gradually accumulate and lead to success. gut-level honesty. Fortunately. Better yet. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. 2. more specific steps you 112 . Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. there are many things you can do to address problem areas and turn them around to make negatives into positives. I strongly suggest that if you break your tasks down into smaller. break the goals up into smaller. Being honest with yourself is a powerful tool. • • 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. Be honest in soliciting opinions from others and acknowledging your weak areas. Keep these keys in mind: 1. more doable chunks that you make note of it in your planner.
b. Seek it out and you’ll find more encouragement than you’ll be able to handle. i. Stop and reflect on your life more often: When you stop and reflect on your life every month or two. 3. and be willing to make the necessary changes that will help to ensure success. Seek out successful people for advice: Free advice is all around you. j. f. h. Learn something new related to your goal every month. Here are examples of small activities that can be conducted daily. Whatever you do. take personal responsibility for the difficulties encountered in your quest. you will be amazed to see how much you’ve actually accomplished. as well as find inspiration to help you continue to achieve your goals. Have a weekly date with your spouse or child to improve family relations. etc. Review your written goals more regularly (hourly. 113 . Check out at least one set of blueprints for your dream home each month. Save at least $10 per day for an average of $300 per month or $3600 per year.) g. (I speak much more about this in Lifemoney Lesson #6. Meet with your mentor every other week for feedback.Evaluating Progress intend to take. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. Contact at least one new potential employer each week. d. weekly. Resourcefulness). c. Work on replacing a bad habit with a good one each month. Make one sales call daily at least five days per week. Read a self-help book related to your goal. e. 4. daily.
Come back to your journey when your batteries are recharged. living.to determine what you are able to complete on time. If anything has changed since you began the quest. Every success story is written with dozens of action plans that were brought to fruition through focus and commitment.” 114 -Brad Turk . as well as anything that remains unfinished. After taking action steps toward your objectives and ultimately the goal. You may have to revise your daily or weekly goals from time to time. plan to re-assess your progress. To tell the complete story. and then give it all you’ve got! Lifemoney Currency “Dreams are real. evaluate your progress thoroughly. factor it into the equation.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. but that’s fine as long as you don’t abandon the journey. take a short break to renew your mind.Lifemoney Lifemoney Currency “The price of greatness is responsibility. realistically – and often. Make a visual reminder – like the grid I use . If you feel that you are unable to follow the timeline or stay with the quest. Do this assessment frequently. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you.
_____ 10. I will create a grid for recording action steps that lead to my objectives. Lifemoney Currency “Be consistently consistent. I am going to regularly check my progress toward reaching my goals. I will reevaluate my goal. In gathering feedback I will ask good questions. I will make efforts to change or eliminate bad habits. I will solicit feedback from experts. along with my progress at regular intervals. _____ 4. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I have the names of several people I trust to give me good personal feedback. _____ 5. I will check the grid periodically and make any needed changes.” -Brad Turk 115 . I will invite and accept criticism that is given with a view to helping me. _____ 8. _____ 9. _____ 3. I will be quick to admit my weaknesses _____ 7. _____ 2.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. and then tally your score. _____ 6.
Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter).” Overview Everyone struggles to meet their goals. This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. We are stronger and more resourceful than we know. It’s how you handle the resistance that leads you to success. whose net worth is estimated to be $320 million. Sean. had to create his own destiny. When things don’t go as planned. you need to look for other routes or means of help. 116 . who was brought up in the Marcy projects in Brooklyn. everyone encounters resistance along the way. and we can endure much more than we think we can. knows firsthand what it means to be resourceful.Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe.
which includes Roc-A-Fella Films and Rocawear . right smack through it? As you begin your journey to reaching your goals.” but over it. part ownership of the NBA New Jersey Nets and the S.” And that’s what he did! He co-founded Roc-A-Fella Records. How resourceful are you? Could you overcome adversity by thinking not just “outside the box.Resourcefulness When he first started out. Other ventures of his are Armadale vodka. Being a talent was not good enough to attain his success. but the careers of many other superstars. the 40/40 Club in New York City. When faced with resistance he responded by finding solutions to his problems. Sean was unable to get a record deal. under it.a very successful clothing line. which eventually shaped his destiny. Carter line of Reebok sneakers. around it or. including Kanye West. He has a willingness to find any way to achieve his goals. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. No one seemed to be interested in his music or recognizing his understanding of the music business. which launched not only his career. 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. you might be filled with 117 . in some cases. Jay-Z became one of the most respected rappers in the music industry. In addition to becoming the President of Def Jam Recordings. he also expanded the Roc-A-Fella empire. he needed to be a businessman as well. “I was forced to be an artist and a CEO from the beginning. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. with 18 Grammy nominations and 5 Grammy wins.
you can find resources that will make all the difference in your search. You’re going to need to be resourceful no matter how much you have going for you. You may be thinking." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. “I’ve never felt better! I have a sense of purpose. no matter who you are or where you’re headed you need to focus on using these resources to get through the challenges you are going to face. With a little bit of effort and some common sense. the more likely you are to run into something unpredictable. and I know exactly what I have to do to reach my goals. turn on the light. run some cold water over your hands.Lifemoney confidence. They might come from your creative imagination or perhaps from the lives of other people. Successful people never hesitate to look for resources that can mean the difference between success and failure. Lifemoney Currency "I've found from past experiences that the tighter your plan. Either way. This lesson points out some useful resources and answers for the troubles you will encounter on your journey. do surgery with a pocket knife and 118 . then slap yourself in the face. What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. The resources you’ll need to tap into can come from inside yourself or from around you. or mediocrity and brilliance.
he could always find a fix to any obstacle he faced using just what he had around him. even if you’re unsure of the outcome. You’ll have to learn to let your mind go in this fashion. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. Be an open-minded. These are four ways of thinking that have made me a better businessman and human being. big thinker. Take time to jot down problems for which you’re seeking solutions. He was never played out. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. expensive. only to be told something you already knew? Often. 119 . You can always do something. Relax and think: don’t let the complexity of a problem paralyze you.Resourcefulness make a computer out of duct tape. Take stock of the situation to see what you can do. 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. He was the picture of resourcefulness. The trick is to keep your mind focused on what you want. I want to make four suggestions for being more resourceful. and when it comes to succeeding in your life. resourceful problem solvers are some of the most open-minded thinkers I know. you must be the same way. Clever. wild and fun solutions. 2. but the natural resourcefulness of your mind will reward you with many great and doable ideas. Though you may not end up being MacGyver. Did you ever consult someone about a problem you were having. Take the time to take stock of the situation and think on your own. and then brainstorm big. and realize that often the reason you’re stuck is because you’re not thinking big enough.
When attending a high-power meeting I’d take along a good friend.Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. ask over and over again. I was able to pitch my products and services to an open ear. As a team. Be a pest. out-of-the-box resource idea and it worked. At twenty-five. I look a lot younger than my real age. 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. George. but walk with eyes – and ears – wide open. 3. Once the perception piece of the introductions was achieved. I was trying to launch my business and wanted professionals and industry experts to take me seriously. It was a big thinking. Don’t be afraid to ask questions from people who know. and in a moment of wide-open. George and I appeared to meet expectations for maturity and sophistication. As you can see on the cover of this book. over a microphone to your computer. And when you come up with all those big thinking ideas – capture them. This was a problem. 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. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. Make sure you capture those ideas somehow – in paper. I looked nineteen. however works best for you – and then review them every once in a while to see if there is one you can implement. Become four years old again. Don’t look at life with the jaded self-knowledge of an adult. That’s how you learn. 120 . who was middleaged and looked more of the part I needed to play. big thinking I created a great solution. I have a baby face.
you can’t know everything. You see steps. It was taken from the web site http://members. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere.htm. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. You want to paint. And in my experience. With wild abandon you tackle new words. I see mess.ca/athomas125/hanna. You want to know everything. I struggle to learn. hoping to master the computer in one easy lesson or not at all. My dear granddaughter Hannah. You are only two. Questions are your favorite tools. Book is your favorite word. You want to climb the attic stairs. Here’s a thoughtful letter written to a child from her grandfather.Resourcefulness You don’t know everything. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. you see colors. Look for solutions in the most unlikely spots. You love to learn. new skills. You find laughter in mistakes. I see danger. I find embarrassment. I've forgotten how to laugh at blunders… 121 . some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. I see problems.shaw. 4. 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.
help me to grow up and become just like Hannah. Look around for success “MacGyvers” hiding in plain sight all around you. Just keep going until you find the information you really want.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. Sometimes you may not know where to begin the quest. asking questions about their perspectives and ideas. and though you dislike it. When you’re listening to an answer. Keep Looking . if it's not too late. You walk right up to a stranger and smile. These could be friends. I stick with the familiar favorites. 122 . But that comes with the territory. take notes and then summarize back what you heard so that you’re sure you captured both the words and the spirit of the message. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. tomorrow you will tackle cauliflower with the same exuberance. and relatives who may have an idea or solution to your problem. I love you for who you are! Grandpa Dan Dear Lord. you might be given all sorts of misleading ideas. After talking to one resource person or another. At lunch you boldly bite into broccoli. neighbors. or information you can’t really use. Ask questions that seek out detail rather than just yes and no. Talk to people from teens to retirees. And learn to ask better questions and be a better listener.Lifemoney You are courageous.
technology is bringing us closer together. Look at the jackets and back covers for ideas about whether a book will be helpful. That’s the beauty of the modern world. find a seat at the café. You can even use full sentences to pinpoint the closest data to your topic search. spend your time searching for buried answers. ask a store associate to order materials for you. you can just read while you’re there. But you can go anywhere you want and talk to whoever you like. 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. spread far and wide. Whatever your needs or interests. You don’t even have to buy the books. you should be able to find worthwhile reading. In a larger bookstore chain. 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. Here are four incredible resources. Don’t be afraid to use all of the resources available to you to gather more resources. There’s no better or quicker way to 123 . All you need to do is pick a search engine (I use Google. and read a recent biography of someone you admire or a book on a topic related to your goal. If not. often at the press of a button.Resourcefulness You probably won’t find everything you need in your back yard. If you don’t find an exact match. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. buy a cup of coffee. Instead of sitting in front of the television or playing video games. Even as there are more and more of us.
com) where they constantly have well known speakers. 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. Minneapolis. San Francisco. movie producers and music moguls at your disposal. You don’t have to buy the product. Toronto. Check your local area for something similar. In New York. San Diego. 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. Many companies offer free webinars with noted experts in a particular field as a way to sell their products. but you may learn a few things from the expert while you participate in the webinar. and Los Angeles you have the Learning Annex (learningannex. language CD’s or DVD’s (if your goal involves traveling abroad). 124 . Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. borrow books for free at the library. If your library doesn’t carry a book you want see if they can get it for you from another library. You can also get audio books. and videos. magazines.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. Most libraries offer this type of service for free.
That thrill of learning still exists inside you today.” -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. For example if you’ve challenged yourself to get a great job in New York City. waiting for the chance to drive you toward solving your challenges and meeting your goals. Be 125 . Ask the people around you what they know about New York. One life changing piece of advice can make you thousands if not millions. It is idling in you right now. Read books and look for television programs. or showing off your playground skills to other kids. They will teach you how to become financially secure and independent. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. find out all you can about life in New York and the companies or groups associated with this new job in New York.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. you will be able to learn from the experts in that field.
Over time our interests drift and friendships change because your interests no longer match. Consider joining 126 . • Join a special interest group. Often we outgrow our friends. Check with a local community college or university branch campus for information about these classes. Listen first. No matter what your interest. You can meet experts in your field of interest and learn things about your pursuit you never knew existed. If you’re planning to write a novel. Those friendships can form quickly and be lasting. and provide you all kinds of problem solving resources. Learning new things is virtually guaranteed. specialized courses that often cost under $100 and run over a day or several weekly classes. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. work on building friendships with new. • Online Special Interest Groups. volunteer at a local official’s office and see how it works. To run for civic office in a few years. • Take a non-credit class. like minded people that share your intensity in life. Rather than ditch your old friends. If they don’t have one you want. then ask lots of questions. Most colleges – especially community colleges offer informal. the internet provides an opportunity to meet many like minded people. suggest that it be taught in the future.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. find a writer’s group or a reader’s club.
2. Consult a community resource center 2.this week I will seek out one interest group related to my goal 127 .Resourcefulness an online community. such as: 1. Wednesday and Friday. List three places where you can go to find some information that will further your ability to be resourceful. Visit a local learning annex Once you have these three written down. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s. Online chat room--. Community resource center – attend evening sessions from 8 to 9 Monday. reading blogs about topics that interest you.” -Bill Gates Goal Achievement Exercise O Take out your Workbook. such as: 1. Join an online chat room 3. assign timelines in which you will visit these places. or subscribing to a mailing list of like minded folks.
D. Combs applied to Howard University in Washington.” There he swept floors and kept his ear to the ground. and while attending. and found resources anywhere – and everywhere – he could.C.Lifemoney 3. “Already a shrewd businessman through his two paper routes. According to Answers. Before he became known as Diddy. contact authors whose writing style you like and ask them for tips on 128 .. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad. Sean “Puffy” Combs worked in thankless jobs like the rest of us. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings. those who have already accomplished what you want to do. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. you might as well think big. learning the industry from the ground up. Uptown Records. If you’re planning to write a best selling novel. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. look for experts in your field.” -Donald Trump Find An Expert Everyone can benefit from having a mentor.com. learner and observer. Lifemoney Currency “If you are going to be thinking anyway. Like Diddy. But Combs was an avid listener. This is someone who will work with you to set goals and help you make plans for reaching them.
Or look up a local leader that you might be able to interview or job shadow. Learn it first then conquer it. “What is one thing you would do differently?” Study those who are where you want to be. Try other people or be persistent with the ones you really think are important for you to meet or talk with. Look up biographies. If you’re a student. Books. and who won’t turn their backs when you need help. Always be prepared and don’t waste anyone’s time. And. don’t be surprised if some don’t return your calls. There are actually some fields like the music industry where the only path to a real job is to intern. Make sure that you research these people and their companies. before you speak to them. Don’t fight the system if you don’t have to. and other information that might hold clues to the reasons for a person’s success. and find out what keeps them going strong as well as the things that hold them back. if applicable. videos. too. You could contact publishers. Look for people who can provide guidance. but people are the ultimate resource. You also may want to consult the local Small Business Administration or a retired executive. If speaking directly with an expert isn’t likely. take a job as an intern like Diddy. libraries and the Internet are valuable. find out what not to do. get some books about famous people who have already made it in the area where you want to go.Resourcefulness getting published. Go straight to those who know the ropes and can share a bit of wisdom. 129 . Avoid their mistakes. Ask questions like. When learning from the experts. and look for readers that can tell you what they look for in this type of book. too. interviews. Don’t rely on your own expertise.
think of key resource people you already know from your past and your present.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. it is because I was standing on the shoulders of giants. You’d be amazed how many talented people you already know that could help you along your journey. 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. No matter what sorts of challenges you face right now. 130 . Never forget to take advantage of your network of connections. intrigue these people to help you in whatever way possible. List three people that you will contact for assistance. While making your list. Using the people skills that you will learn in Lifemoney Lesson #8.Lifemoney Lifemoney Currency “If I have seen farther than others.
every one of those people was a resource in creating his latest masterpiece. It’s important to utilize every opportunity. reach out as often. Some days. to get the information. Try to count how many names are listed at the end of the film. 131 . but stick around for the credits after his next movie. the most resourceful individual will taste defeat. Don’t limit your dreams by limiting your scope. small and large. services and know-how you need to create Lifemoney. Stephen Spielberg. But there is. always tomorrow after you have done your best to achieve success today. that can put you closer to reaching your ultimate goals. Very few people succeed entirely on their own. might be the director. and as far as necessary.Resourcefulness Lifemoney Currency “Remember you will not always win.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. in this case.
and then tally your score. _____ 8. _____ 7. I will read new material that relates to the pursuit of my goals. I believe learning is the beginning of wealth. _____ 3.Brad Turk . _____ 4. find the people you need to know and introduce yourself. I say. _____ 6.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. _____ 5. I plan to visit a library. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts.” 132 . _____ 10. and observations. giving yourself 10 points for each checkmark and 0 points for any left blank. I will network with people I know to find expertise beyond my circle.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with. I will enthusiastically seek information like a kid. Searching and learning is where the miracle process all begins. I will keep my eyes open for a mentor. ideas. school or online special interest group. I will take a class or seminar related to one or more of my goals. Learning is the beginning of health. but who you know. Lifemoney Currency “Some people say it’s not what you know. _____ 2. Learning is the beginning of spirituality. I plan to read an autobiography of a famous leader who inspires me. _____ 1. _____ 9.
looking at things from a different perspective. He bought the property in 1977 when that part of New York City was in terrible shape. your Lifemoney. objectifying your goal. 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. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you.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. directly across the street from Grand Central Station. Trump had no 133 . A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. These include visualization. They are your real wealth. asking big and avoiding the herd mentality.
Lifemoney other major properties at the time and was told that this was not only “out of his league” but would prove to be “a terrible investment.” Even though he was only 26, Trump’s imagination was endless and he saw something nobody else saw in that property. He was sure the city would eventually revitalize the area and that building would be a goldmine. But Trump did not have the wherewithal to do this deal on his own. For most people, the dream would have died there: no money, no deal. Not for Trump. Donald could clearly imagine a major hotelier working with him on the property, and convinced Hyatt to manage the property. It became the Grand Hyatt, with Trump and Hyatt owning the hotel on a 50/50 basis. But that wasn’t even the best part of the deal. In addition, Trump got Hyatt to agree that it would never manage another hotel in New York City. Trump was so immersed in his creative ideas for real estate that he would ask for outrageous things without thinking anything of it. These weren’t outrageous requests to him, just obvious ones. This boldness was born of creativity. It was a mindset that drove him to propose many more innovative projects. It is this type of can-do, creative thinking that, if adopted, will give you an edge in reaching your goals faster. As Trump shows us, imagination, creativity, brainstorming and audacity are some of the mental currencies of success.
“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.
or when it becomes increasingly difficult to see yourself in the winner’s circle. For example. Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. If you want to operate your own business instead of working for someone else. You’ll work out the bugs of a process that will move you closer to your goal. this proven 138 . See yourself inspecting the houses. Your body will do what your brain focuses on. step by step. so keep your thoughts positive and stay focused. if you want to get into real estate. and telephone. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. This isn’t fantasy or play-acting. 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. copier. imagine yourself doing it. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. Avoid the herd mentality.Lifemoney 5. What’s it worth to you? When you’re ready to give up on your dream. noticing colors of paint and the condition of the neighborhood. fax. it becomes more tangible. Now. it’s time to shift gears and visualize it. Visualization is when you mentally create an image of yourself accomplishing the desired objective. Picture your home office with all the things you would use in a public office—computer. Notice even small things like the shoes on your feet and the color of your clothes.
and I still have the toy versions to help me remember to make my dreams real. but our brains respond better to the real thing. Acquiring anything starts with imagining it constantly. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. Sometimes having that physical object can help make an abstract idea seem more real. Those that fail to reach their dreams are often letting their positive visualizations vanish. Do you keep a special object to remind you of your roots.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. All success starts in your mind. Look at your workspace. To date. Do what you can to make a real “object” out of your goal. Lifemoney Currency “Visualization is daydreaming with a purpose. whether at home or at the office. Take responsibility to hold those images in your mind. good or bad.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500. I kept miniature models of these cars in my room as a way to make my goal “real” and be an incentive of what I was working for. I have had both of these cars. That is a conscious choice. your accomplishments and your dreams? Some 139 . an action you take. Why? Because you will create whatever you’re visualizing. There is no substitute for keeping the proper image in your mind at all times.
Dieters sometimes buy clothing in the size they want to be rather than what they are now. Whatever you choose. The object for your personal goal might be something that brings to mind your dream. and she keeps it near her heart as a reminder of how much she misses him. Who do you think is more positively driven? Around her neck. 140 . or another small. seemingly insignificant object that reminds you of something very important. present or future.Lifemoney people have desks covered with trophies and some have desks covered with bills. and how important it is to enjoy every minute. an award or commemorative gift. start collecting those things and placing them around you. This is especially important in creating objects that represent your personal goals. The key belonged to her late brother’s motorcycle. it should be something that reminds you of and keeps you motivated to achieve your dreams. Queen Latifah wears a key on a chain. Real objects have power. They go to the closet and look at the outfit that they hope to wear a few months from now to remind them of their goal. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. It also keeps her motivated and helps as a reminder of how precious life is. the one he died on. A miniature horse that fits in your palm could be the symbol of your future breeding farm. If you don’t. whether past. Chances are you have a framed photo.
It looked like a hurricane had come through and no one bothered to clean up after. I thought I knew something about real estate and I asked the agent how long the place had been on the market. I put it in my wallet and it deteriorated. it seemed I got the truth out of him. he explained to me that this was a great deal. just before Thanksgiving 1995. I put that check in the casket with my father because it was our dream together. Although I loved the building and the area. He asked more questions. Well. crunched some numbers and while we were sitting down for coffee afterwards. And then. After bothering the agent. “We’re out of here. He buys a lot of properties. that was it for me. His success is attributed to seeing what’s not there and being open minded about what can happen. When we went into the place I was very disappointed. my friend saw as a positive. I looked at my friend as if to say. manages some and sells the others.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995. and he informed me they had been trying to sell it for over a year. I found out I was going to make ten million dollars for Dumb & Dumber. the actual apartment was terrible. I remember him helping me out once when I was looking for a small rental property.” But David wasn’t quite ready to leave. What I saw as a negative. From his perspective it was good that the place 141 .” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate.
000 and after spending $25. David helped me to see the real value of that deal. 142 . So try! It is a valuable lifemoney skill that can translate into big cash money. it appeared that I would be buying a $200. Liz. does medical billing and is the office manager for a doctor’s office. Most people who walked in there did not see the value of the place and could not picture what the place could look like. Although Liz was happy with the money she made and her success in what she did. She is good at her job and has been with the same company for over 10 years. Anybody can see what’s obvious but only a few can see potential. She envied my work schedule and the fact that I could arrange my days as I saw fit.Lifemoney was a wreck and was on the market for so long. My girlfriend.000. she really wanted a more flexible schedule. You know why? Asking for big and bold things always generates creative new ideas and usually uncovers a solution to your problem that you might not have thought of. She 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. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price.000 down to $150.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. Creativity Factor #4: Ask big There is huge power in learning to ask big.000 co-op for $175. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. By shifting perspective.000. You can do this in your own life. After David did the math with me. How? We were able to get the price from $165.
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
147 . I believe that if I can dream it I can do it I will try using visualization to move towards my goals. 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. _____ 3. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Engage your creativity now by taking stock of your situation. _____ 4. _____ 2. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. but seeing what’s not there. Remember that one of the most important aspects of creativity isn’t seeing what’s there. I have objects around me that symbolize the success I seek. Lifemoney Currency “A problem is a chance for you to do your best thinking. _____ 5. and invest the energy in some creative thinking about going after the things you want. Make the time. I seek out new perspectives to old problems.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.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. Don’t let yours go to waste. I can visualize my success through a variety of mental pictures. Take the time to evaluate your situation and try a creative approach.
I avoid the herd mentality at all costs. Lifemoney Currency “Just because something isn’t being done. I keep asking bigger questions to spur my creativity. _____ 10. doesn’t mean you can’t do it. _____ 8. I make detailed mental images of what I want. I know when I ask boldly. great possibilities are created.Lifemoney _____ 6.” -Brad Turk 148 . _____ 9. I will use creativity to help me attain my goals. _____ 7. hasn’t been done or looks like it can’t be done.
if people get better at these people skills. 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. but it should make your life experience more rewarding as well.People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. Understanding how others work and the mechanics of how they think will be crucial in gaining the support you need to get what you want out of life. Using people skills in a competent. professional and powerful way will not only aid you in achieving your objectives. getting others involved will be a major key to your success. For almost any goal you may have. 149 . So learning to interface with other people is vital to realizing your goals.
who he missed that had passed away about a year before. I was managing a staff of 8 sales people who all had extremely different personalities. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. I knew first hand. He was always late. On the other hand. Using my Lifemoney Lesson # 8. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). They were men and women of different races and backgrounds. I quickly realized that to deal with people effectively you really need to understand what motivates them. During that time.Lifemoney While I was at MCI. that same uncle died again. He once told me about his only uncle. She was self motivated. that she would get the sales in. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. Amazingly. I did for her what I wanted my sales manger to do for me – I stayed out of her way. that we are all different and had different needs. Their “House Rules” were specific to how they thought a salesperson should be. I knew she was a hard worker. I provided them the resources to work in an environment where they could thrive. I saw from past managers that I have had. hard working and considered her sales position as her own small business that she was managing. from being a salesperson. I had a salesperson who was one of the most charismatic people you could meet. that one of the biggest problems in how they managed was that they had a uniform way of doing things. I worked as a manager for a short period of time. and he needed a couple of days to 150 . He had so many excuses that he was losing track of them. and that I could not work her harder than she would work herself. out sick. or had an excuse for something going wrong. As an example. I had one rep who was just like I was as a salesperson.
People grieve. some I still have to this day. Lifemoney Currency “Shared joy is a double joy. So to get the most out of people and to win them over to your cause. and at least once every day gave him a swift kick in the ass. Anyway. Think of a past problem you had with a specific person. and told me that he needed that treatment to get him where he wanted to go. I micromanaged him. Not only was this experience a financial success for me.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. 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 . you need to know what their needs are. especially when it comes to dealing with people. Shared sorrow is half a sorrow. Are you a people person? Few of us respond to every situation in perfect form. He later thanked me for helping him. Be as specific as you can. but it allowed me to really connect to my reps and form lasting friendships. I treated him how he needed to be treated.
For relationships to be mutually valuable you must build a bridge that goes two-ways. do not speak. Conversation involves someone speaking and someone listening. The primary way we communicate with others is through conversation. everything. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. Listen. Success doesn’t happen by accident.” -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. even dealing with people – especially dealing with people – requires proper planning. standing in the gap to close it for us. of preparing yourself to deal with people rather than doing so on instinct or history. there are lanes for incoming and offloading traffic. or rhythm. 152 . Step # 1: Be a Good Listener People want to be heard and understood. Lifemoney Currency “Every one of us gets through the tough times because somebody is there. When it is your turn to listen. Get into the habit.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. he took an interest in me. When you talk to others. It turned out to be a win/win for us both. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. at the end of our meeting. Smile. If you really take an interest in what they are saying you might learn something. 153 . Because I took an interest in him. this guy not only offered me the job.People To demonstrate how much people want and need to express themselves and feel understood. Be enthusiastic about what they are talking about and who they are. not just another segue to a story about yourself. Try and put yourself in their shoes. let them talk about their skills. Everyone’s favorite topic of discussion is themselves. He was so excited to talk about himself and his experiences that at the end of an hour. Although I knew my resume would be suitable for the position. Ask questions. Watch for opportunities to offer empathy. we did not get to discuss my history. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position. advice or assistance. people like people who like them. I will tell you a funny story about a job interview I once had. If you want to win them over. Yet. I asked the interviewer a few key questions about himself and what had made him successful in his career. Step # 2: Take an Interest in People When you listen. You can’t learn from them if you’re talking. their needs and their accomplishments. At the beginning of the interview. it seemed as if we did not even speak about me. Keep in mind he found me so interesting and I barely said a word. find out about them. Again. Let the other person speak – while you LISTEN.
you only aggravate yourself. Let the person tell the story. you don’t have to interject your knowledge or skills. But you need to be genuinely nice. In building up conflict instead of offering genuine kindness. Step # 3: Don’t Undermine – Understand It’s easy to criticize. and telling your stories. They’re getting enjoyment out of reliving an experience or sharing an insight. at first. Have faith and patience that the longer these relationships last. Let the other person feel important and appreciated. the more two-way they’ll become. 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. The more you listen to others. Some people are just genuinely grumpy or mean – but these people are not the majority. it might be. Don’t take that away by changing the subject to you. Try it and see how it works.Lifemoney Let’s say that you are a very good racquetball player. Did they have a bad day? Was there a problem at home? The best way to turn a person with a bad attitude around is to be nice. but 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. If this sounds fairly one-sided. 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. Even though you can relate to the story because of your expertise. Most people react in a negative way due to circumstances. and someone you are talking to tells you about a game of racquetball they played. 154 . But the funny thing about building these bridges is they work both ways. the more they’ll learn by example and start paying you back– by listening to YOU. brag or whatever they wish.
and he was a poor Scottish farmer.cfm?pageid=102. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. while trying to make a living for his family. Then the boss yells at you for being late. Maybe you weren’t feeling well. “I want to repay you.winstonchurchill. Maybe you got up on the wrong side of the bed. mired to his waist in black muck.org/i4a/pages/index. he heard a cry for help coming from a nearby bog. 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. The next day. On the way to work you get stuck in traffic due to road construction. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. was a terrified boy. 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. One day. There. a fancy carriage pulled up to the Scotsman’s sparse surroundings.People Think back to a bad day you had recently. “You saved my son’s life. His name was Fleming. even though you typically arrive on time. Farmer Fleming saved the lad from what could have been a slow and terrifying death. He dropped his tools and ran to the bog. screaming and struggling to free himself.” 155 . Crazy things happen when you reach out to people and pay some kindnesses forward.” said the nobleman.
” the farmer replied proudly. I can’t accept payment for what I did. and went on to become known throughout the world as the noted Sir Alexander Fleming. graduated from St. the same nobleman’s son who was saved from the bog was stricken with pneumonia.” the Scottish farmer replied waving off the offer. he’ll no doubt grow to be a man we both will be proud of.Lifemoney “No. I know it is because I never really made a true attempt to focus on remembering them. the discoverer of penicillin. What saved his life this time? Penicillin. If the lad is anything like his father. in time. and it’s a little bit insulting. Years afterward. His son’s name? Sir Winston Churchill. This not only looks bad. At that moment. Mary’s Hospital Medical School in London. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. “Yes. 156 . but I think people can tell when you don’t remember their names. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. Farmer Fleming’s son attended the very best schools and. “I’ll make you a deal. the farmer’s own son came to the door of the family hovel. Let me provide him with the level of education my own son will enjoy. “Is that your son?” The nobleman asked.” And that he did. The name of the nobleman? Lord Randolph Churchill.
For instance.” You get the idea. Where do you work? Is that right? Sounds interesting. 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. “Nice to meet you. How do you do that? Ever hear the term WIIFM? It’s “What’s In It For Me!” Most likely your best bet in getting help from someone is to show them what they are going to get in return! I think about this all the time when I’m trying to influence people to help me. These little tricks work amazingly well and are well worth the time it takes to practice them. Again. they will be interested in helping you in exchange. “glad Brad.” Another popular technique is to associate their name with something visually unusual. Let’s talk about that sometime.People I would suggest you develop a system that helps you put greater effort into this huge priority. the value of the proposed deal. but I will stress what’s in it for them: a great rate of return. Brian. nice meeting you. If their name is “Brad” and they look like Brad Pitt. But if they look like they’re very tired and sad. you might think “sad Brad” or if they look happy. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. the intangible benefits of having their name 157 . One idea is to repeat the person’s name out loud a few times during the introduction. Let’s say for example that I need help with financing a business deal that’s important to me. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. Brian. it’s easy.
how 158 . when they did help. offer to help. energy and commitment – will be that much greater if you provide people with something they want. stupid and embarrassed. For what? To win your point? Is it worth it? Will you really feel better? Do you think you can change the other person’s view? Think about a recent argument you had with a spouse. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. 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. If a friend is remodeling a kitchen. 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. Remember that getting the support you want depends in part on providing others with what they need. they would have behaved differently. a coworker or a friend. whether a free meal. All you will do is make the other person feel bad. too. …you get the idea. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. I’m always thinking “what do they want. inferior. That only happens in courts in front of judges. they were less than enthusiastic? I bet if they were going to get something out of the arrangement.Lifemoney associated with the project. The winner of an argument in real life is often the loser in the relationship. but the level of intensity – time. and how can I give it to them?” I am not saying you can’t get help any other way. the fun we can have together as a team. a case of beer or concert tickets.
people argue because they are hurt. particularly defensive and mean ones. Arguments. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. I make a big distinction between arguing and disagreeing. Step # 8: Think Before You Speak In any discussion. don’t tell. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. even if it’s negative communication. Don’t act rashly or lash out. Don’t speak out of anger. no one is impressed. Show. Don’t give advice unless it is requested. Keep in mind that everyone is born equal and deserves to be treated that way. and even then be careful. Always try to look inward to the core issue. Often. do nothing but harm. Think about someone in your past that pushed unwanted advice on you. be self-controlled. Think your words through. aggressive individuals that think they know it all. upset or just want to communicate with someone they care about. 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. Disagreements on the other hand can be powerful sources of new information and a chance to grow. be it personal or professional. Let others mention your accomplishments before you do. Speak from a calm center. Relax. 159 . Wait for your opinion to be asked before shoving it at someone. Don’t brag.
From time to time you may even take the blame for something that isn’t your fault. lower your expectations of others and increase them for yourself. What make yours so special that you should complain loudly? Don’t tell your problems to people unless they are directly involved with the solution. Don’t cry or whine over any of this. It’s not that your problems are unimportant. even after working hours of unpaid overtime. This may seem like a small thing. Step # 10: No Whining Allowed No one likes a whiner. Or you might have helped a coworker with a difficult project. but received no sense of appreciation. Shake hands firmly and introduce yourself when around new people. Look people in the eye and give them respect when you speak to them.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. To get along in this world without becoming an irritating whiner. Can you look back on a time when you did something nice and the person didn’t even mention it? Maybe you mailed a gift to a relative. Just remain calm and don’t shoot your mouth 160 . You would be surprised how far all of this will take you in building relationships. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. Take courtesy even further. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. but he never called or wrote to say thanks. but it’s extremely important. It makes a deep and lasting impression that money can’t buy. but we all have problems. 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. Some of those mistakes will be at your expense. Always say please when asking for something. Everyone makes mistakes and will disappoint you at some point.
I know this is extreme and there are times when being late can’t be avoided. especially in business. chances are your credibility will be shot for all that you do. 161 . The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. The person that I was meeting came out and told me that he would not meet with me and would not do business with me because I was late. As I mentioned. being late is a sign of disrespect for someone else’s time. more opportunities will be sent your way. but this true story illustrates how sensitive some people are to lateness. I had an appointment with someone and I showed up 15 minutes late. Step # 11: Your Word is Your Bond Do what you say you are going to do. You never know when you might have to go back the way you came and deal with that person again under better circumstances. to a successful person. 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. Also. Your word means everything.People off and burn bridges. If you can’t be trusted on one issue. time is their most valuable asset. When people know you are dependable. Even if it is just to arrive to a meeting at a certain time.
You probably already know who some of these “avoidable” people are.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. To get rid of the people who will hold you back. because your character is what you really are. Problem people often hide in plain sight. They can be so-called “pals” who don’t believe in you. It could be a friend who is always cooking up a crazy idea that never gets out of the starting gate. If you don’t like 162 . but you have to put first things first if you ever plan to reach your goals. don’t be afraid to cut ties totally.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. or that costs you plenty when it does get a running start. 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. politely let them that you will get in touch when you have time. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return. while your reputation is merely what others think you are. They might be an older brother who sets a bad example with his drug use or gang activity. put you down or turn you off. or who tell you to give up because you have more important things to do. It’s not that you can never enjoy recreational time. They may be hardheaded bosses who refuse to think out of the box. If it’s someone who is really just negative and brings you down. like fishing or playing cards.
A motivator can be anyone who trusts you to follow your dreams. or they may be a total stranger. quite literally. seek them out. cling to them. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. And the more you hunt for them the more they will be attracted to you. make sure that you’re always riding the right bus for you. you must also make room in your life for the motivators. as well as your plan for getting there. It’s not quitting if you’re the one doing the choosing. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. Find a new bus or another means to get there. Either way you’ll know these motivators because you’ll feel an instant attraction to them.People where the bus is going or you changed your mind in the direction you want to take – get off. In fact. if they’re far away. They might be a good friend who listens while you describe the goal you want to reach. Either way. They’re a little harder to find. it’s simply a move in a new direction. If they’re nearby. 163 . It might be a mentor who leads by example or. Just as you must get rid of the people who will drag you down. the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. 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.
goal-oriented people who encourage and inspire you. Lifemoney Currency “One skill you act on is better than 12 that you don’t. Associate with positive. What’s the best way to learn them? Choose any one of these and use it today.” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson. 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. This is the best way I know of to master this list. Don’t move off to try another one until you’ve seen results with the first one.” -Brad Turk 164 . Then magic happens.Lifemoney Lifemoney Currency “Get around the right people. keep using it until you don’t think about using it anymore because it’s so natural. In fact.
_____ 10. I understand the value of tolerance when dealing with difficult people. _____ 8. _____ 5.” -Brad Turk 165 . _____ 7. and then tally your score. eventually. I have a good sense of which people to pursue and which to avoid. Lifemoney Currency “Find people to make up for your lack of know-how and. I am learning to be a good listener. you WILL know-how. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I am taking an active interest in people _____ 3. _____ 2. I always remember the “what’s in it for me” rule. _____ 9. and I often make efforts to give without expectation of receiving anything _____ 4.People Millionaire’s Checklist: Check all the items below that you agree with. _____ 6. A huge part of receiving is giving. I make efforts to express appreciation and good manners to others. although I can politely disagree. I don’t whine. I try to stay calm and avoid arguments. I keep to my word.
whether you believe you will or you won’t – you’re probably right. you'll start having positive results.Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones. Where’s Your Head At? Which of these statements sounds most like something you’d say to yourself: I am going to reach my goals and fulfill my dreams! or I am going to try to reach my goals but it’s going to be hard because… 166 . a well maintained attitude and a “no excuses” outlook. This talks about some of the things I’ve found useful in creating a positive mind. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction. What you believe you’re going to get in life is pretty much what you’re going to get.” -Willie Nelson Overview Someone once said.
it appeared she had everything that a person could want. I figured she would have far fewer worries than other people! In getting to know her. It appeared that everything annoyed her and she was never happy. 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. believe that it can happen and know that you have what it takes to make it happen. From the outside looking in. I saw her complaining everyday about what I thought were very trivial things. When I finally had the chance to meet her personally. and whichever direction you take in your mind will probably dictate your destiny. or do you think that it probably won’t happen for you? This question is like a fork in the road. As a general statement positive thinking plays a powerful role in helping us achieve what we set out to do. you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. Her father had been an executive producer of some very well known films. The Multi-Millionaire Blues A good example of how attitude. On the contrary. I was amazed to see how miserable she was. or the fame of her dad but everyone in school wanted to be near her. you create road blocks that stop you from achieving your goals. You just have to know that you’re heading in the right direction. He was both successful in his field and wealthy. her money.Positively Thinking Do you believe you can reach your goals. If you focus on the negative. 167 . if you focus on the positive. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college.
and say. But you may also have skills and opportunities for turning the game around and coming out a champ if you will only take the time to believe in who you are and who you will become if you reach your goals. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. 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. you do have complete control over what you choose to think. 168 . Maybe you come from a family with many losers and too few winners. “He’s the reason I can’t get ahead” or “If that hadn’t happened I would be rich by now” are just excuses for not taking responsibility for their own lives. You might feel as though you are destined to continue the long line of defeat.Lifemoney I stayed away from her negativity and did not associate too much with her. I heard a few years later that she had attempted suicide. do. what you attract into your life and your ultimate success. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. focus on what you can do. Though you have no control over the actions of others. So don’t worry about what you can’t do. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. Maybe you will be the one family member who can show the others that success is possible? That would be a wonderful Lifemoney gift to give them. They complain about all the ways in which other people or circumstances are standing in their way. It’s not what you have but how you perceive things that really counts.
Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. you better change your mental channel. so use it positively. If you catch yourself repeating the complaints above.” Your mind is yours. You have the resources others don’t have. It starts in your head with your mental remote and plays out in reality.Positively Thinking Practice turning negatives into positives. You have even more desire to do better than others may have. there is nothing stopping you from becoming all that you dream of becoming. I was able to become wealthy.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. STOP! Forget the excuses! If you grew up poor – good. If you grew up wealthy – good. If you feel yourself beginning to argue with me. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. 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. Lifemoney Currency “Just can’t live that negative way…make way for the positive day. 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. In America. Change the channel and play the role starting now. You dream 169 . I want you to understand that you’re holding the remote in your hand to switch to that channel.
but he said that all the intense effort and workouts did not give him the extra edge that he needed. Goal Achievement Exercise T Take out your Workbook. and owned the feeling of a champion. you have a smart plan. Failing does not make you a failure if you let it teach you lessons. He visualized it. you work hard to get it. you implement your plan. This attitude and confidence spread and led everyone else to believe the same. Also. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. It was the mental focus on all that he did that made him the best in his field. Arnold Schwarzenegger went into every competition thinking he was the winner.Lifemoney it. 170 . that had to be coupled with hard work and long hours in the gym. Failure can be a very positive experience if you dig through it to find a good lesson. List five failures that caused setbacks in your life. write down a lesson you learned from this failure. Do it and watch how your outlook brightens. Get your mind on the right channel and the body will do its part to follow the plan. The mind rules over every part of the body. took it on as his personal goal. and guess what? It’s yours. This is the way you turn negative experiences into a positive ones. and explain how you will avoid one of those failures in the future. Obviously.
Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success. Understand that a positive mindset happens first. But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 .Positively Thinking Lifemoney Currency “Many of life’s failures are people who did not realize how close they were to success when they gave up”. how can you use that knowledge to help you in the future? People don’t just fall into piles of money or get yanked into auditoriums to receive awards. It usually doesn’t happen overnight.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. a Donald Trump in real estate or a Jay-Z in the studio. Looking back have you been a complainer or a fixer? If you had it to do over. would you handle things differently? If so. Rather they give years of their lives charting a positive course and expecting greatness. They have a mental certainty that what they’re doing will lead them right to where they want to be. -Thomas Edison Don’t Complain . but it does happen. Which have you been? Be honest with yourself. Negative people complain about things and positive people fix things. If you want a piece of the action.
Why? Negative thinkers typically think that they’re stuck and will be miserable forever. People are much more likely to admire and support you if you adopt this mindset in your everyday life. but you didn’t go? Perhaps you thought “I’m too old” or “I don’t have the time right now”? Maybe you failed to follow up on a special talent or skill. but we can control our responses to them and the actions we take as a result. and get frustrated. start looking for what you can get. Make a mental note not to miss these kinds of opportunities again.Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. and never feel played out. These are all signs of a distressed and negative mindset. did a previous employer offer to pay the tuition for you to return to school. that a former teacher encouraged because you secretly had no confidence in your ability. If you want people’s attention. The solution is to stop complaining and fix your attitude. stay open and be ready to jump into action. The same is true about anxiety. like drawing. Begin using positive thinking to search for new ways to impact your life. Positive thinkers are always focusing on ways to positively impact their world. and a role model. How do you do that? You’ve heard me say that we cannot always control the events in our lives. Begin positive. 172 . Is stress holding you back? Stress is often closely linked with a negative mental attitude. an inspiration. get it in positive ways by becoming an encourager. especially if it was a thought that stopped you. Instead of whining about what you don’t have.
That’s a great first step in positive thinking.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. cultivating new relationships (or restoring old ones). overcoming a bad habit. make a new list of potential opportunities for the future. or relationship opportunities. developing new skills. Include options like going back to school. employment. anyone can start from now and make a brand new ending. These could include lost academic. Lifemoney Currency “Attitude is a little thing that makes a big difference.” -Winston Churchill 173 . When you’ve completed this list. Make a list of opportunities from the past that were missed due to negative thinking. 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.” -Anonymous Goal Achievement Exercise U Take out your Workbook. Make the list with a new sense of optimism and hopefulness.
I never had a crisis that didn’t make me stronger. Helen Keller.” -Lou Holtz. 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.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. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. football coach. Positive thinking sets them on a course for achievement. or at least their little piece of it. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. whose deafness did not stop him from composing classic musical compositions. 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. Often when we look at successful people we only see the end result without understanding what they had to go through to get where they are today. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. who minus sight and hearing became a model of inspiration to others.
Most people don’t remember what even great speakers say! Besides. so what? Who cares? Besides.Best Case Try this experiment to create more positive thinking. Think about something that you are afraid to do because you think you might fail. And if they did laugh. many of our efforts don’t bring immediate results. Then take on life without apology or embarrassment. What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. who is going to think twice about your errors after they arrive home that night? It would never happen. Don’t be intimidated by life situations like this. most people in your audience would rather die than speak. So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. Instead think in terms of best case/worst case. so you’re already way ahead of them. Lifemoney Currency “The only disability in life is a bad attitude” -Scott Hamilton Keep It Moving Unlike a great speech where you get immediate feedback. What’s the worst thing that could happen if you failed? Is that really that bad? Would you get over it if not immediately than eventually? Let’s say for example that you were afraid to give a speech in front of a group of people. You may submit a proposal and wait months before 175 .Positively Thinking Worst Case .
This relationship is going nowhere. It’s time for a change. 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. Think of it this way: you’re going to have to spend the day in some way. Stay positive by remembering that lesser. lack of feedback can lead to negative thinking. Had I let negative thoughts overtake me during times when it felt like I was not getting anywhere I wouldn’t be where I am today: a self-made millionaire still young enough to physically and mentally enjoy my success. 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. 176 . She’s probably like all the others. 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. why not be positive. Unless you’re prepared to wait. The way to get over them is to keep it moving until something positive does happen.Lifemoney getting a reply. Everyone faces down times. Without those first small steps there could be no end result worth noting. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. 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. unrewarded accomplishments often lay the foundation for building to higher levels of achievement.
especially if others are telling you it won’t happen.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. going back to college at 40. trying to get into graduate school. it may seem unreachable at first. The idea is to simply stop thinking negatively and to find something good to say “yes” to. They rob you of positive energy and momentum. We ought to try a little longer in case this turns out to be something good. or climbing to the top of your profession may seem unachievable at first. the faster your mind will change into a direction that goes forward. 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. But that is the time to push the envelope to reach your dream. Or maybe the girl has a habit that reminds you of someone you used to date. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. The key is to quickly counter the negative talk the instant you recognize it. For example. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. I’m going to call her and plan something exciting. Create a Repeatable Success Thought When you set your sights on a distant goal. 177 . Really look carefully at these statements for a moment.
the sooner you will believe it. To avoid negative self-talk and track negative thoughts. I do not need second helpings. I will speak up at today’s meeting. write down positively phrased replacement terms you can use as success thoughts. The more you say it. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. Make your success thought as specific as possible.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. I call these “success thoughts. “I’ll stop spending.” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence.” (Too long and detailed) 2. Don’t write long sentences or anything that is too short or vague. Nothing can block my success. “I plan to stop spending too much money and will close all my extra credit card accounts and only carry cash when I go shopping. Be specific and limited. and repeat it often. Goal Achievement Exercise V Take out your Workbook.” (Too short and vague) 178 . I will take my wife to Hawaii next year.
specific and helpful) 2. but you have to think positive. After a few weeks. pre-recorded message that reminds you to stay on track. 179 . “I’ll pay my balance each month. but the important thing is to think positive.” (Positive. and you have to fight. detailed and valuable) Use your imagination to come up with more positive statements like these.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. it’s how you view them and what you do about them that matters.Positively Thinking These thoughts are both non-specific and vague – You’ll stop spending for how long? Forever? Neither of these statements will be particularly helpful in the real world. Instead. “I won’t charge more than $50 weekly. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1.” (Positive. such as. “I’ll use just one credit card. Lifemoney Currency “Anything is possible. When you fall down. Everyone makes mistakes. update the success thought for a related goal. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach.
Think about the things that are positive in your life. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains. Although others may have held you back at one time or another or you may have to seek help to reach your goal.Lifemoney Don’t let past failures hold you back.” 180 . remember that you are responsible for how your life turns out. Don’t let anything keep you from getting it. Keep focused on what you want. 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.
_____ 8. _____ 4. Lifemoney Currency “Some view the glass as half empty. I will not let others’ pessimism interfere with my plans to reach my goals. I keep moving ahead even though I’m not getting immediately rewarded. I am learning to manage personal and job-related stress by positive. _____ 9. proactive thinking. I view the glass as half full. _____ 3. not a loser. I am watching for opportunities to say yes to. _____ 10. with the waiter on his way over to fill it up. I can see how past accomplishments have prepared me for the future. but rather. _____ 2. I will act as if I’m in the role I want to play. _____ 1. I will continue viewing myself as a winner. _____ 5. some view the glass as half full. I am making consistent efforts not to complain. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 6. to fix my situation.Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. I refuse to hold on to negativity and past misbehaviors. I repeat success thoughts to myself as often as possible.” -Brad Turk 181 . and then tally your score. _____ 7.
But I have broken 35 bones. Successful people know that dreams don’t come pre-packaged overnight. it just doesn’t come naturally. I had surgery 14 times to pin and plate. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. it turns denying yourself into investing in yourself. 182 . I shattered my pelvis. We want it now. I forget all of the things that have broke. They say I have broken every bone in my body.” -Evel Knievel Overview Few of us do well with sacrifice.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. When you recognize that sacrifice is frequently a part of success. Not true. We want it all. If we could find a way we’d have it yesterday.
Yet. But if that was the only way. Some work two and three shifts for years at a time. would you? 183 .Sacrifice Borrow. It’s a real risky strategy but sometimes when you believe in something strongly enough. sleeping just a few hours a day.000. Within a generation. sacrifice is often a part of any success story. to get his first film project. there are people who were born in this country who complain about the lack of jobs.000 in domestic box office sales. saving every penny to open a restaurant. you have to make those kinds of sacrifices. some become millionaires. It cost him $175. I will tell you right off the bat that I wouldn’t be. Why? Because they work hard. Was the sacrifice worth it? You’d need to ask him. They are simply unwilling to sacrifice anything to get where they want to go.big time! Big or small.100. grateful for the opportunity to have all the work they can handle. This much I can tell you. off the ground he did just that. but I can tell you that Spike would probably say yes. In 1986. rigorous job to get where they want to go. Spike Lee knows that sacrifice can pay off . Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying. Since then Spike Lee has produced at least 22 other films that have made over $433.000 in sales. Go into Debt and Max Out Your Credit Cards Are you willing to max out your credit cards and assume massive debt to get where you want to go? Before I go any further. They lay everything they have on the line. She’s Gotta Have It. Ask filmmaker Spike Lee. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants.000 to make the movie and it grossed $7. store or business. Many immigrants come to this country with nothing but the shirt on their backs.
” -Dali Lama Sacrificing for Success Mike Luckovich. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. 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. He had to sacrifice his nights and his only free time in order to get where he wanted to go. 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.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. took a job as an insurance salesperson straight out of college. Pulitzer Prize winning political cartoonist. 184 . These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. There were no shortcuts to success. at almost any cost. Lifemoney Currency “Judge your success by what you had to give up to get it.
Below the goal you just wrote. Goal Achievement Exercise W Take out your Workbook. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return.. your sacrifices could include six hours of your time each week for daily workouts. if becoming more physically fit is one of your goals. For example. improving the lives of millions of people. or is your goal just a casual want? Only you know. What do you have in your life now that is expendable. and giving up your weekly poker game to play tennis. 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. Ideals are not cheap. You have to be willing to do whatever it takes to claim them. etc.Sacrifice Martin Luther King. and I can’t make up your mind for you. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. They are costly and precious. But he stuck with it. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. He could have taken the easy route to avoid jail time. and you will have to be ready to give it when the time comes. I am committed to helping you get where you want to go. and/or enjoy that you are willing to part with in exchange for your goal. List the tradeoffs you are willing to make to reach one of your goals. or he might have gotten discouraged and given up. $100 per month for a gym membership. spent months in prison rather than surrender his belief in equal rights for all people. 185 . Jr. have. However. list three things you now do. Choose one of your goals and write it out..
The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. 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. there would be no effort or cost attached—and they would mean very little. Which one do you think 186 . presenting it to your friend or loved one with a sense of tremendous accomplishment. One is given everything by rich parents who buy her everything she needs and most things she wants. They’re both chasing the same dream: business success. you eagerly add a few dollars here and there to save up the needed amount. Whether it costs $20 or $200. When you get enough. they will mean the world to you because of what it cost to reach them. Ten years later they both have good jobs – the first in her own company funded by her parents and the second in her own company that she scraped together every penny to start. You can view your goals in the same way. Imagine a scenario of two young women. But after years of careful thought and unwavering perseverance.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. Success has value because you have to work for it – you earn it. If you could just reach out and get them today. when you do reach your goals. But as we’ve seen that’s not always the case. you proudly go out and purchase the gift.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work.
187 . Are you ready to figure out what it will cost in time. Develop a needed skill through a second job. You’ve probably heard the saying. write a book. Seek help when I get stumped. money. or run into problems. Period. But no plan is complete without counting the cost of reaching your objectives. sweat and tears for something you’ll own it in a way that nobody else can appreciate. have a question. 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.). etc. volunteering. at least temporarily. Find the non-essential time-eaters in my life and eliminate them. 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. “anything worth having is worth working for.Sacrifice appreciates the success more? You know the answer. Why does she appreciate it more? It’s common sense that when you pour out your own blood. Get feedback from those who already have accomplished similar goals. 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. or taking a class. Put less important things on hold. That cost is part of the joy of success.” Do you feel that way about your road to success. • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan.
Underachievers live for the day and overachievers live for the future. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. But if you save and invest it.” -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. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. If you spend all you have. The wealthy will have enough from current savings and investment plans. It’s a simple fact of life. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. there will be nothing left.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. too. but less than twenty percent of the population do so. 188 . 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. you will have enough for today and tomorrow. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals.
In other words we’re doing it anyway. It might be go for a walk. For example most of us don’t get paid for our work at the end of each day. play tennis. list something you will get done before you have your fun. This might challenge you and be a little difficult. Make sure that those things on your list are things you really want to do. go shopping. Often we don’t find out about a medical test result for several weeks. List two or three fun things you want to do today. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. All of these things take patience. Let’s build your ability to delay gratification. watch your favorite television program. etc. which in the end brings it own kind of reward. When you think about it. Do this exercise well and discover how much more you get done and how much better you feel. List one or two tasks you will have to complete before you get your reward. or at the end of the month. almost any achievement in the world will become immediately more achievable. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. Instead. every other week. eat some ice cream. many areas of our lives undergo postponement.Sacrifice Delaying gratification is something you get used to. Goal Achievement Exercise X Take out your Workbook. we collect paychecks every week. Then underneath each item you expect to give yourself today. When you have successfully conquered the need for instant gratification. 189 .
Start small. Many goals that seem hard at first become easier once you get momentum established. family. But actually. Because I know if I do. setting aside time for future rewards is like making deposits in a savings account. this could involve reading. But with a little effort. making community contacts. So do it. Just do it. But you won’t know that until you pull the trigger and get moving. Devote fifteen to thirty minutes several days a week to your goals. Most of us lead busy lives. then I can expect halfhearted results. You may be reluctant to open a bank account. Depending on what you hope to achieve someday. and social activities. and it may seem difficult at first to find enough extra income to make regular deposits. the results will come. The same is true for working toward your future goals. so you will never miss the amount of each savings account deposit. We barely have enough time to get through a typical day with the demands of work. I don’t do things half-heartedly. pulling the trigger and going for it.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. say $25 per month. you can arrange for a direct deposit straight from your paycheck. especially if you begin with a reasonable amount. doing 190 .Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. Finding time to work on long-range goals may seem impractical.
you will be rewarded. do it. this means you’ll have to give up something in exchange for this valuable daily time. that if you can’t tell which half. Whatever your goal.Sacrifice volunteer service. For example.’ but he didn’t know which half. visit with your representative. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. or volunteer as an aide to learn the ropes. Pull the trigger already. you may need to first attend some political rallies. 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. Life is a bit like that. Naturally. Whatever it is you must give up. so pull the trigger now and get your show rolling. keep in mind that you may have to work through several levels of effort to reach them. if you want to get involved in local government. fully aware that not all of it will produce rewards. You put in 191 . None of those tasks took a long time – but each one was a step toward realizing a goal. 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. of course. But if you keep pulling the action and sacrifice trigger. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. from the inside out. And keep pulling the trigger at each “next” level of achievement you’re taking. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. then you have to keep on doing the whole lot. Sometimes it seems unfair. His point was. Everyone has to pay their dues as they work. Remember that one of the keys to success is to learn everything about the role you want to play.
and others cruise it. I know it isn’t fair. and anyone with a dream must learn to live there.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure. engraved there to inspire the youth of that school. but you’ll probably never know which efforts are being rewarded -. You work up a sweat. but then life isn’t. It reads: 192 .and which aren’t.or for what -. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work. Your efforts will be rewarded eventually. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. The lesson is that you must continually give 100% effort in the direction of your dreams.Lifemoney loads of effort and get nothing back. you have to keep doing the 100% because you don’t know which bits will pay off. You’re polite to people and everyone seems rude back. This is the shadowland of hope. 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. It’s a simple lesson that has never failed to produce great results for me.” This quote summarizes a great lesson I’ve learned throughout my successes. Well.
but they rarely do. and then force ourselves to work hard for them. But show me someone who has achieved their dream without it. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. Sacrifice is sort of the dirty word of success. The good news is that if you’re in love with your dreams and want them so badly you can taste them. and if you love where you’re going you can know ahead of time that you have a lot of pleasure ahead waiting on you. the work doesn’t seem like work. 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. What are you prepared to do? 193 . In addition. the whole process of success becomes easier. we have to figure out which ones we want most.Sacrifice “I will study and get ready. one of Ness’s fellow agents. Nobody wants to hear about effort and work and sweat. 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. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. It’s not nearly as bad as you might think. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. and someday my chance may come. One of my favorite movies is The Untouchables. having been mortally shot.” The emphasis is on the preparation. Are you prepared to follow this through. In the movie. an Irish cop played by Sean Connery. Good things don’t just happen to us. At the climax of the movie. Maybe they should. if you build your Lifemoney. then he dies. Instead. Those people just don’t exist.
Most do not pay off immediately. In the end. Keep your eye on the prize and focus on what you’re going to get in return. to reach out and grab your future? Don’t spend the rest of your life wondering what might have been. But don’t dwell on the negative aspects of “what do I have to give up?” Instead.” -Wayne Gretzky 194 .Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. and some require harder work than others. But if you keep putting in the effort. Only you can decide what you are willing to give up in reaching your goals. What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in. No one likes to sit around wondering what he or she has to give up as an investment in a dream. focus on “what am I going to get in return?” Investments of time or money are long-term deals. the payoff will eventually be seen. at almost any cost. sacrifice pays off. Be prepared to give up more of what you have to get more of what you want.
_____ 2. _____ 8. I am learning to delay my gratification for both the present and the future. _____ 1. ____ 10. I have identified several things in my life that I must sacrifice for success.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. _____ 5. and then tally your score. _____ 6. Some of my goals will require that I hang tough. _____ 3. I have calculated my goals’ financial costs and scheduling adjustments. _____ 4. giving yourself 10 points for each checkmark and 0 points for any left blank. I am pulling the trigger on my talent today. _____ 9. I will put forth 100% effort at all times. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . I am prepared for life. I am willing to set aside less important activities to focus on my goal. I am willing to pay the cost that is required for me to meet my goals. _____ 7. I believe that planning for the future is as important as getting by today.
I mean the ability to sit back and relax while waiting for an outcome. 196 .” -Don Williams. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results. It is the ability to let go of the need for immediate gratification. without experiencing anxiety. By patience. tension or frustration. not the destination. J Overview Having patience is a key ingredient to successful living. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined.Lifemoney Lifemoney Lesson # 11: Be Patient and Enjoy the Journey “The road of life twists and turns and no two directions are ever the same. Yet our lessons come from the journey.
jobs and friendships. This can further result in losing important things like business relationships. the results just won’t last long. without which you are going to suffer. I have to be honest with you: I happen to be a very impatient person. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say. But I am careful to differentiate urgency. How do I differentiate the two? A sense of urgency is a good and powerful 197 . There are many negative consequences on health.this task has two many steps. Gradual change and growth give you the greatest chances for success. you run the risk of anxiety. This is one of my personal flaws that I am working on. 6) I just don’t know where to start . unhappiness and sometimes even anger. 4) I hate having to do or say something more than once. I’m going to move on to something else. 5) If something doesn’t work immediately. When you force efforts. which can be very destructive. which is a powerful force that gets things done. It’s as if patience is a simple building block of satisfaction. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. 3) I can’t stop for even a second until I reach my goal. relationships and personal growth when you lack patience. you need to be patient and wait for your results. from impatience.Enjoy the journey 2) I will never get to all the things I have to do. 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. When you stress yourself to create results too quickly.
Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. For example when I take on tasks that are really time consuming (this book for example). I have an unrealistic expectation of speed. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. If I’m not careful this can create impatience in me. And this is probably true for you too. urgency turns damaging and can lead to senseless and sometimes destructive impatience. and don’t let the things I can’t control stress me out. 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. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. If I can’t change or alter a situation. Based on where I was in the process and the faith that I had in my contacts in Mexico. Mexico. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. This is a struggle for me as it might be for you. I need to clear it from my mind. I can’t control those timeframes. But when urgency is applied to things I can’t change. I’d brought on an investor to put up the money for the deal. I told 198 . It’s a quality that helps me act quickly and get an enormous amount done. 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. 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.Lifemoney tool.
he decided to partner with me and put up the $1. a partner who trusted me enough to put up that $1. 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. When I sat down in my meeting and went over the paperwork that they had prepared. $1. It took all the Lifemoney lessons I talk about in this book to get me through this situation. Outraged by what transpired. I picked up my things and told the company I was meeting with that I would look over their new terms. I noticed that they had changed all of the terms of the deal.6 million dollars.000 that was needed to get this project going. I immediately extended my trip from 2 days to a full week. I wanted this deal done. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 .Enjoy the journey the investor where I was in the deal (just going to finalize and sign paperwork) and had given him the price points that were worked out. Based on the trust that I had built with the investor on past dealings. and then I left the meeting. So there I stood in Mexico. There was so much I had no control over. I flew down to Mexico for my big meeting and to sign paperwork. regroup and come up with a game plan.6 million already invested in the equipment needed for this project.600. 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. and patience was number one. When reviewing the numbers in this new version of the proposal it was obvious to me that we would lose money if we signed that deal.
I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. 200 . 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. If I did not have the patience to stick this out. • Stay busy. Get preoccupied with another task until you have results from the first. • Reward yourself for completing something difficult. I started making calls and finding out key contacts and setting up appointments. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. I wound up getting an even better deal than I would have initially. Do something fun and celebrate your incremental success. Why? Because I was patient and focused on controlling what I could control. I would have never completed this deal that wound up being a very successful project for me. reevaluate your objectives and make your goals more realistic for your needs. Look at the things you have accomplished to date.Lifemoney had met with. If your goals don’t seem to be on track. Focus on the results and not the task. 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’ll realize today is beautiful and I should appreciate my health. I open the window or take a walk outside and enjoy it. Who said life has to be hard? It is only tough if you make it tough. 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. 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. Here’s a very personal technique I rely on to help me enjoy the daily journey. In 5 years looking back at the issue. 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. Think of all the fun and excitement you will miss if you don’t savor every moment.Enjoy the journey Enjoy the Journey The purpose of life is not to work hard for 40 years and be miserable so that you can retire at age 65 and enjoy the last years of your life. I’ll 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. If you do. You need to start enjoying a little everyday. before you know it. You need to live today like it was your last day and plan for tomorrow as if you were living forever. For example. I find something to make me realize that it’s not as bad as I think it is. Remember when you were a kid and you wished you were older? How many of you wish you were younger again? We always wish for what we don’t have and don’t appreciate what is right in front of us. you will wake up and have missed out on what life really has to offer. Chances are you will look 201 . When I am having a bad day. We need to count our blessings and enjoy what we do have and make the most of every day.
Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. Don’t let one day pass you by without appreciating something that you may never have or see again. A good meal. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. You will remember that in 5 years. 202 . or listening to good music should be enough to keep us going and to get us over daily disappointments. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. spending time with friends or family. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. Time moves faster than we all want to believe. that when you look back on. list 2 problems that you are presently facing and put them through the 5 year test. so we need to make the most out of our time. a joke. Now. List 2 problems that you have had in the past. A death in the family is terrible and needs grieving.” Do you remember your first break up? No matter how sad you were at the time. Getting fired from a job? That may be a blessing in disguise.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. they seem unimportant. it probably has no bearing on your life now at all. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them.
a walk in the midst of nature. author Mitch Albom visited a former professor.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea.. friends over for lunch. dancing. In a chapter entitled We Talk About The Perfect Day. And going home and having a wonderful sleep.. 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. "That’s it.175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. "It was so simple. Don’t overlook the obvious in your quest for the brilliant. Albom asked Morrie a question: "What if you had one day perfectly healthy .how could he find perfection in such an average day?" Then I realized this was the whole point" (p. I was actually a little disappointed. going out to a restaurant for supper." he is asked. "That’s it. Tuesdays With Morrie. at the end of the day what is truly important may be the simple. a swim." Morrie replies. After all these months. 203 . So average. unable to move a leg or a foot . lying there. Morrie. unnoticed things we do all the time.Enjoy the journey In the best-selling book. talking with people.
But I do agree that passion helps. Some people complain about going to work when they work in beautiful air conditioned offices.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else. Think about a handicapped person who was born with a disability yet despite their struggles are making three times more money than you are because they are working smarter and harder. The people who succeed find reasons why they can do something. Don’t make excuses find solutions and make it happen. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. In the process appreciate what you have and enjoy it. there is always someone with less doing more than you. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. I know successful people who are making it big in things they don’t care about. the people who fail find excuses for why they can’t. it won’t feel like work. better yet.” -Brad Turk Appreciate what you have and don’t complain and make excuses. In other words. It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated. 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. Think about the person who is working outside in the heat. I think people are 204 .
writing one manuscript after another and firing them off to the publishers in hopes of being accepted. But whatever you do.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. Day after day. 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. In fact. He hardly noticed the leaves turning colors outside his small window. Sometimes the ends do justify the means. My suggestion is that if you have a good job for which you don’t feel a lot of passion. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are.and create some financial success that can free you. 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. Then one day he 205 . he locked himself into his attic office and plugged away. There is a story about a young man who wanted to become a famous writer.” At least that’s the way I am. then look hard to find something you’re passionate about and consider a career change now. 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. be stimulated and enjoy life…. 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. You can do that. Try to create an external world outside of your business that enables you to have fun. If you can’t stand doing what you’re doing. see your job as your vehicle to get you someplace else.
Renew your energy. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to.. The moral of this story is that success by any means doesn’t always “mean” success.Lifemoney waited for his small daughter to bring up the mail. found a publisher’s letter saying that his book would be published. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. now middle-aged. List 5 things that you are going to do to ensure that you are enjoying your journey through life.” Ironically. Don’t stop yourself from relaxing and recouping. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money. and have moved out. As he got angry when she did not bring the mail at exactly 2 p. in checking the mail. If you are stiff and focused on a goal and have such blinders on 206 . Again. the man. Goal Achievement Exercise Z Take out your Workbook. Better luck with your novel. It could be a ten minute break to get a cup of coffee and stretch or it could even be a week off to take your mind off things and have some fun. But it had cost him far more than he had ever imagined. Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets.m. Walking through one room after another. the object is to make your life enjoyable. the man went downstairs and was amazed by the quiet that filled his whole house. they were all empty of his family and furniture.
you are missing out. As life is moving by at warp speed we ask ourselves over and over again: How can I have the best life possible? It’s not an easy question to answer. This much I know: success without enjoying your journey through your days is pretty worthless. I want my rewards as I go along. you’ve gone a long way to deciding where to spend your free time. and sometimes the answers you generate for yourself are wrong. My motto is work hard. play hard. Take the time to smell the roses. Lifemoney Currency “Enjoy life. and how to really enjoy the ride. There’s plenty of time to be dead. because when you’re finally done and outta here. It goes by both very fast and very slow. the small everyday things are the things you’re going to miss the most.” -Anonymous 207 . You need to have a balance. I don’t want to miss out on life to get my reward someday in the future. Patience and Enjoying the Journey Summary Life is funny. If you’ve figured out what you’ll miss the most when you leave.Enjoy the journey that you are letting life pass you by.
I will not take for granted what I already have. and then tally your score. _____ 4. _____ 6. and plan for tomorrow as if you were living forever. _____ 5. _____ 2. giving yourself 10 points for each checkmark and 0 points for any left blank. I will not wait until it is too late to enjoy my life. I will break goals into pieces and patiently work on one piece at a time. I will take a break from time to time to rejuvenate and enjoy my life. I believe my day to day efforts will have an effect in the long run. I will practice the 5 Year Test I will not stress over things I can’t control. _____ 10. _____ 7. _____ 9.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 3. _____ 1.” -Brad Turk 208 . _____ 8. I will take time to stop and smell the roses. I will have urgency in my work and patience waiting for my results. I will find something positive out of everyday. Lifemoney Currency “Live today like it was your last day.
101 Affirmations 209 .