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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....
...................................................................................................................... Not Cash) ......................................................................................... Inc............................. / MyMusicSite................8 Persistence Pays Off ................... Too!............................................52 A Fish Story .......................................................................33 You Are in Control...............................Find More.....................56 v ..........................................................19 Self Made Records.................27 Find the “U” in “SUCCESS” ...........................................31 Goal Achievement Exercise A...................................................................................................................................................................................................................37 Lifemoney Lesson # 2: Knowing Yourself ............................................................................................................24 Success on Your Terms ....................................................................................................................................................................................................................................................................................com .................................28 WHOSE Dream Is It.......................................................................................................................................................46 Goal Achievement Exercise D................................6 If I can do it… ............................................................. ...............................................................................................................................................................32 Win Life’s Lotto (Real Wealth is Measured by Achievement.................................................................................................51 Make Less ..........................................................................................................................24 Want to Succeed? Sleep Late!................................................ Inc.......18 Heat Wave Tanning................................................................ Retired by 35: What Lifemoney Means to Me...................42 Goal Achievement Exercise C ......38 Sometimes It’s Better to Strike Out ............ Inc............................................................................................47 Get Rid of It! ............................... ......................................................................................... Anyway? ..............................6 My Early Years ......39 Who are you? ........................................44 What Are Your Limitations?.........................................38 Overview..................................................................................................................................53 Can You Dunk?........................................................................................................................................11 Learning About Business................................................................................................................................................................................... 6 Overview.......21 …You Can Do It............................................................................................ 1 My Lifemoney .............................................................................................36 Millionaire’s Checklist: ...................................................................41 Goal Achievement Exercise B .........................................................................10 Knowing Myself..........39 Don’t Be a Stranger (To Yourself)..9 Looking for Motivation .......................................23 Lifemoney Lesson # 1: Defining Success..............................................................................................Table of Contents Introduction: Millionaire by 30...........................15 This Was Only the Beginning .....................................34 Defining Success Summary .............50 Goal Achievement Exercise E .............................................................................................13 Getting Focused............................48 Buy Stock in Yourself ............................................................................................................................17 Global Business Solutions.................24 Overview...................................................................................................................................................................
...................79 Millionaire’s Checklist: .........................................................................................................................................................................................K…...............................................................................................................................................................................................59 Overview.........................................88 Goal Achievement Exercise L ...........................................70 Goal: To pilot my own airplane .....................................................81 Tool #1: Focus ..............................................................................................................................................................................................................101 Overview....................................................... 116 MacGyver It!..................... 100 Lifemoney Lesson # 5: Evaluating Your Progress ......................................................................66 Goal Achievement Exercise I .....................................................................................................65 Write It Down .........................84 Tool #2: Time Management ................................................61 Establishing Action Steps ...................................................... 107 O................................................................................................................................................57 Millionaire’s Checklist: ...............................................................................................................................................................................................................................................................................................................................................................59 A Quick Review .............................59 Step Up ........................92 Tool #5: Do or Die Trying Commitment....... 101 Don’t forget the map! .......................................................................................................................83 Goal Achievement Exercise K.......................................................... 115 Lifemoney Lesson # 6: Resourcefulness...........................85 Tool #3: Efficiency ..............63 Goal Achievement Exercise G...............67 Nothing Can Stop Me Now…....................................................................................................................................79 Lifemoney Lesson # 4: Gathering the Tools for Success....................................................71 Three Huge Obstacles.64 Goal Achievement Exercise H...........................................................................................................................................................................................................................................................................................................................................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles........................................................................................................................................69 Goal Achievement Exercise J .......................................................................Knowing Yourself Summary ...............................95 Gathering the Tools for Success Summary......................................................................89 Tool #4: Priorities..................................................................................................................................... 118 vi ............................................. 103 Goal Achievement Exercise M ................................................................................................61 Goal Achievement Exercise F ...............................................................................................What If You’re Way Off Track?.................................63 Timelines ...................... 114 Millionaire’s Checklist: ................................................................................116 Overview.. 116 Can’t Get a Job? Buy the Company! ........................................................................................................................................................................................................................................................................98 Millionaire’s Checklist: .. 101 Progress Report .................................. 105 Maintaining Your Course ....60 Start by Writing a Goal.................................................................................................................................................................................................. 111 Evaluating Your Progress Summary ................81 Overview........72 Goal-Setting and Overcoming Obstacles Summary............81 A Successful Person’s Tool Belt ...................................... 110 Goal Achievement Exercise N............................................................................................................................................................................
................. 174 Worst Case ........ 125 Goal Achievement Exercise O............................................................................................................................................................................................................................ 173 The Key to Success? Live Out Of Your Car................. Do It! ...........................................................133 Overview.................... 171 Goal Achievement Exercise U...................... 151 Turk’s 12-Step Plan for Bridge Building............. 167 Change the Mental Channel............................... 179 Millionaire’s Checklist: ...............................................................................................................................................................You’ll Find It .................................................................................................................................................................................................................... 130 Resourcefulness Summary............................................................Keep Looking ................................................................................. 122 There’s No Need To Grow Up.......................... 131 Millionaire’s Checklist: . Go into Debt and Max Out Your Credit Cards .................. 194 Millionaire’s Checklist: ................................................................................... 170 Don’t Complain ............... 166 The Multi-Millionaire Blues .................................................................................................182 Overview.............................. 137 Millionaire’s Checklist: ..................... See It...................................................................................................................................................................... 133 A Lesson From Trump .....................................................................................................................................Best Case... 127 Find An Expert ............................................ 175 Keep It Moving ......................... 189 Sacrifice Summary ........... 135 Goal Achievement Exercise R .................... 185 Goal Achievement Exercise X......................................................................................................................... 135 Dream It......................................................................................................................................................................................................................................................................................................... 152 12 Steps for Power with People Summary ............ 175 Eliminate Negative Self-Talk..................... 165 Lifemoney Lesson # 9: Positively Thinking ........................ 149 Sharpen Your People Skills ....................................................................................................................... 147 Lifemoney Lesson # 8: 12 Steps for Power with People............................................................................................................................................................... 137 Five Creativity Factors ..................................................................................................................... 169 Goal Achievement Exercise T .................. 195 vii ...................................................................................................................................................................... 149 Goal Achievement Exercise S ................................................................................. 176 Create a Repeatable Success Thought ..................................................................... 182 Borrow..........166 Overview.................................................................................................................................................................................................. 132 Lifemoney Lesson # 7: Creativity ...........................................149 Overview................................ 178 Positively Thinking Summary ....................................................................................................................................................... 184 Goal Achievement Exercise W ................................... 164 Millionaire’s Checklist: ..................................................................... 181 Lifemoney Lesson # 10: Sacrifice ..................................................................................................................................................................................... 183 Sacrificing for Success ......................................................................................................................................................... 133 Goal Achievement Exercise Q.........................Fix It .................................................................................. 177 Goal Achievement Exercise V..................................................... 166 Where’s Your Head At? ................................ 128 Goal Achievement Exercise P .......
................................................ 208 viii ......................................................................................................................................... 202 GOAL (Go Out And Live).................................................................................................. 206 Patience and Enjoying the Journey Summary.............................................................................. 201 The 5 Year Test . 204 Goal Achievement Exercise Z .................... 201 Goal Achievement Exercise Y............................................................................................. 196 Doing Time ...........................................................................................................................................................................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey ............................................................................................................................................................................ 196 Mañana ........................................................... 198 So what should you do to be more patient? ...................196 Overview..................................................................................................................... 202 Seek Happiness in Simplicity .. 207 Millionaire’s Checklist: ........ 200 Enjoy the Journey..........................................................................................
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. it’s at what income. new entrepreneurs perfectly – but can be adopted at any age. Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire.” -George Foreman Life comes first.Introduction: Millionaire by 30. not money. Lifemoney will help you understand what success really means and teach you how to attain it. 1 . Lifemoney will show you what you really need to live the life you want. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how.
Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. a new job or just a raise or promotion in your current job. it’s not the dollar figure I define as Lifemoney that’s important. part how-to. It could be $240 a week or $240. 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. it’s not the job that I feel is prestigious that matters. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve.One of the most unique features of Lifemoney is that it’s entirely personal.000 a year or $2. if it’s money that you’re after. 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. If it’s career happiness you’re looking for. Would you use your shoe? Would it work? Possibly. 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. part financial management. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . be it a million dollars.000 in quarterly bonuses. For example. yet most people don’t use the correct tools to get what they want. Imagine having the task of hammering a nail. it’s the job that makes you happy on a daily basis or brings you closer to your goals. Part self-help. a new home. it’s the dollar figure you define.400. In this book.
So who is Brad Turk and why am I qualified to write a book about life or money. there are common qualities. Instead of concentrating solely on the financial aspects of making your first million. But more importantly. My schedule and time belong to me and I do what I want with my days.My Lifemoney WANT. along with real-life examples you can use to plot your course for success. characteristics and personality traits that you will need to get you there. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. 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. I have distilled those attributes.most of whom happen to be multimillionaires. and want to share them with you. Lifemoney will give you a blueprint for success in all facets of life. Whether you are looking to be the next pop star or the perfect housewife. This book will show you what those characteristics are. I am living the life that I want to live. some executives. If you learn these lessons – and actually follow them – you can and will succeed. etc. not just financial. The exercises in the book 3 . used them for my own personal success. Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life. let alone both? I was a millionaire before the age of 30 and retired soon after.). I have been fortunate enough to learn that most successful people share a lot of the same attributes. It offers a set of tools.
The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. 4 . see what works for you and. you’ll find ways of: • • • • • Understanding what success means to YOU Matching what you want with your abilities Learning to go after goals by setting specific tasks with timelines Learning how to focus. prioritize and manage time Learning the value of determination and commitment in attaining goals • • • • • • Learning how to evaluate progress and welcome criticism Learning how to be resourceful when overcoming obstacles Learning how to deal with people effectively Learning how to use creativity to get more out of life Using the power of positive thinking Learning to sacrifice some of what you have to get more of what you want • Being patient and enjoying the journey Lifemoney is designed to walk you through each of these attributes. While reading Lifemoney you will become familiar with these attributes.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. In this book. as a result be able to adopt them to fit your needs to reach your goals and attain the success you’ve always been looking for.
These proven tools are specifically designed to help you plot. Both the Millionaire’s Checklist (Code: BAyyRJ) and the A-Z Achievement Full Exercise Workbook (Code: m3sUMQ) are available for FREE download on my website at www. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it. Repeat these affirmations to yourself when you need a quick boost.bradturk.com. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. Clearly. Everyone needs some kind of stimulation and/or support to keep their spirits alive. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement. The higher your score – the higher your Lifemoney skill level. Sprinkled throughout the lessons are A-Z Goal Achievement Exercises that ask you to reflect on how to apply what you just read to your own life. Feel free to use mine – memorize a few of them and repeat them to yourself when you feel like you’re not making progress – or add some of your own.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. I have created a list (that I use) of affirmations that you can also download for FREE at www. What’s the answer? Lifemoney. 5 . list and track your progress.com (Code: naNtZB). 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. there is more to life than money but you just can’t live in this world without money.
actor. 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 .Lifemoney My Lifemoney “It’s never too early…to make your first million. I achieved personal and financial success through various ventures in the telecommunications industry. I’ve found the American dream and retired early. rich and retired. business owner and entrepreneur. salesman. Through experiences as diverse as being a break dancer. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself.” -Brad Turk Overview I want to take just a few pages to introduce myself. Over the course of my very short professional life I’ve achieved the American dream: I’m young.
teach them how to fish and they eat for the rest of their lives. I have used the attributes I describe for you in this book over and over again in many different businesses – all with the same successful results. These lessons can be learned by anyone. I am going to share just a little bit of my personal history first because I know myself that to trust someone I need to know a bit more about their background – what has formed them into the person they have become. Instead. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success.My Lifemoney retail tanning salon. Not all of these successes share the exact same 7 . I did not strike it rich in the dot. Think of the old story about giving someone a fish or teaching them how to fish. boat and everything you’ll need for a life of accomplishment and success. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. adapting the rules of success to your personal situation. All the successful people I discuss throughout this book including Warren Buffett. Diddy and even myself have been “taught how to fish” at some point in their lives.com arena or hit the lottery. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. That’s what Lifemoney is all about. You’ll never need to go hungry again. Consider these lessons to be the fishing rod. Give someone a fish and they eat for a day. It’s not that hard really. and if you’re willing to be my student for just a short time I can show you how. whether it was through direct interaction with a mentor or learning from other sources. 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.
By the time I was in fifth grade. new opportunities. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . 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 parents divorced when I was two and I was raised by a single mother with little to no communication with my father. I won’t be insulted. (Oh. When I got to junior high. There were new surroundings. In addition. my mom and I had moved to Forest Hills. That’s where I first learned about work ethic.Lifemoney attributes. rapping and acting. My Early Years I began life in the Pomonok public housing projects in Flushing. best of all. It was a much nicer neighborhood. new friends and. though. 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. New York. Mom didn’t let it stop her. I got heavily into break dancing. new neighbors. and she was a tremendous teacher. New York. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. but they usually have a lot of similarities. 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. You can always come back to me later). I learned these lessons by reading books of successful people and from my peers. 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. She kept right on plugging away with her 3 jobs. and no money. and by the way.
This is when I first began to learn about the value of persistence. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. I’ve always been a hustler. I decided not to sit around and wait for something to happen.My Lifemoney industry. as well as how to contact them. a renowned child talent group. dealing with people. not succumb to them. To follow my dream I had to overcome several obstacles. and thinking outside the box. For starters. which listed talent agents. Since my working mom didn’t get home until late I would go alone by train. a huge child actor of the time 9 . The first agency I visited was Schuller Talent. They represented such actors as Emanuel (Webster) Luis. I bought a reference book called The Ross Report. But the first rule of success I learned was to work around your obstacles.” The do-not-call rule was strongly enforced. In fact. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. Persistence Pays Off To make it in the acting field you need an agent. Most emphasized the boldface message “not to be called or visited. Frustrated by the lack of response. Finding an agent to represent my efforts was. I sent the package out to the same agents two times but didn’t get one response either time. not easy. I followed directions exactly and sent my headshot along with a resume to one hundred agents. and I began going into the city (New York) for auditions to try breaking into the business. as you can imagine. I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. Actually. the only way to contact agents was to send query letters with photos and resumes.
and signed with Schuller for representation. After thanking the secretary. As a result. I returned the following week. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. and found the success I was seeking. I turned to leave. going out near the door where the other woman had been listening. and when I did show up I didn’t pay much attention. I barely 10 . Had I continued to wait for calls that never came. I thought that she was listening to what was going on.” the agent in charge of the group that I wanted to join. the child actor from television’s Who’s the Boss? Walking through the agency’s door I met a pleasant secretary and introduced myself. Not surprisingly. But taking the initiative. I told her I just wanted to make sure it got into the correct person’s hands. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. auditioned. who was extremely nice and reassured me she would get my packet into the right hands. 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.Lifemoney and Danny Pintauro. I didn’t do very well in high school. Hanging out with my friends and social activities seemed more important. Looking for Motivation Unfortunately. I often skipped classes. From the corner of my eye I noticed a woman standing in the doorway. I continued my conversation with the secretary. I might not be where I am today. I set out to get answers to my questions. 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.
With this pressure from my parents. My father had resurfaced in my life to pay for college. I didn’t have much reason to go to college at the time – I just didn’t know what else to do! Someone in my homeroom class during senior year suggested a college she thought I could get into. they explained. If I was going to “screw up” like I did in high school. and was eventually inducted into the Phi Eta Sigma national honor society. I decided I didn’t want to end up stuck with no way out. Knowing Myself In time I would become a very successful entrepreneur. I applied for a double major in business and theater and. The only thing to be decided was how I would get where I wanted to go. But he and my mother told me that they would only support me if I did well the first semester. And. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. I changed my habits and learned how to be a student. I learned early on that being a struggling actor was not for me. I had a hard time getting into college. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals.92.88 grade point that term. I earned a 3. Through hard work. I got accepted. For these reasons. I realized that my next job was staying in. the odds are severely stacked against huge financial success. The following semester I got a 3. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. Although you can make a good income from acting. they didn’t want to pay for it. It was a great lesson: Not all of success is flashy and easy. 11 . using my acting resume.My Lifemoney made it through. I was looking to make a lot of money and enjoy nice things. After getting in.
It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. I sent out many demos to try and get people interested. But before I fully ventured into business. I spent the last years of high school and beginning years of college working toward that goal. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. That could have happened for me but I knew in my heart it wasn’t MY reality. for lunch one day. As with my junior high acting days. Today he’s a successful actor who can go anywhere and order anything he wants. But. the music industry does not often accept unsolicited 12 . “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. the sacrifice has paid off. From my break dancing and rapping days I had always kicked around the idea of being in the hip-hop industry as a rap artist. I knew myself and knew movie stardom wasn’t the right route at that time. I wanted more of a sure thing than acting. a struggling actor. I asked him if he was going to order anything else. But his limited income made it clear to me that this was something I did not want to do. So I took a different route and it has paid off for me. When he only ordered soup. I still had some entertaining left in my system. Looking back. I could see the moment in that restaurant as a turning point. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me.” I bought his lunch that day. He answered.Lifemoney I remember meeting a good friend of mine. as with acting. It was a real education. When it came to making money. For him.
Although no longer in existence they were one of the premiere labels at the time. Although I didn’t win the contest. A key lesson I learned was that if you want to understand an industry. I sent in my tape. co-sponsored by 98. you need to work in it. I kept working toward my goal of becoming a rap artist and trying to learn the business.7 Kiss FM in New York. a lawsuit can result. I knew 13 . If the artist believes a later recording is similar to his or her music. In this world you have to take opportunity where it comes if it will help you achieve your goals. I got a job as an intern (for no pay) working for PolyGram Records. This is exactly how you build Lifemoney. I recognized the value of this attribute and stored it away for later. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. In fact. even when you’re going against the grain. I also tried to learn the business side of the industry. I entered the Pepsi Rap Up the Summer Contest. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. My goal was to get noticed and possibly get someone interested in working with me. In 1991. let alone were successful at it. even for free. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. It was validation that hard work could pay off.My Lifemoney material. This was pre-Eminem and not too many white people even listened to rap. I was chosen as a semi-finalist out of 500 entrants. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. Learning About Business In addition to finding some measure of success in the entertainment side of music.
I figured if I sent a package. mixers. feel free to import ideas from wherever you can find them. a recording label. It paid off.the talent . The following year I released “That’s Evil Man” on ZOO Entertainment. picked me up and got me signed to BMG for distribution. BMG. learn it from the ground up. and access is one of them. if you want to someday own a bar you should work at a few for a while to learn the business. Basement Records. volunteer for a campaign or move to DC. For example my rap name was “Sneak. The access I got taught me lessons I could have never learned anywhere else. For example. It’s important to understand what you are getting into before you are knee deep. Door after door was being closed to me. my targets would be curious enough to open it rather than throwing it away. And always be resourceful. If you want to work in politics.” along with my demo tape. But it’s all valuable.” I once sent a sneaker in a box to a record label with the note. You might find it’s not what you expected it to be. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success.and the men and women behind the talent the producers. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . both the stars .Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. “I just want to get my foot in the door. 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. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. It worked. There are more important things than money in this world. It was one of my earliest stabs at being resourceful. agents and managers. If you want to learn a business.
Eventually it went to number 27. which I did. I was concerned that I might not make the money I was looking to make – and I thought I might be able to make it easier somewhere else. It didn’t stop there. While I enjoyed working in the music industry. 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.” Next Plateau. Money provides those things. You see – I already understood that making money was a priority for me – an important goal. for more reasons than just getting airplay. full of rich stars and power players. 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. I was finally seeing a dream come true. 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. But the truth is making money is hit or miss and is more often just smoke and mirrors. That’s a hard truth to see from the outside. actualizing my goals and watching them come to life. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences. but in reality there are very few people that make it big – and make the big money. 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. But like 15 . PolyGram Records. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. The music business seems glamorous. In 1994. It is a difficult business to really make money. It was an exciting time.
For one thing. I figured if I spent more time on my part-time real estate job. Becoming successful. The branch owner wanted to train me to sell life insurance. In addition. Not to sound conceited. Also. the branch focused on selling long-term care and retirement planning. and could not fully understand or relate to getting life insurance for protection for other family members. so I pursued this opportunity.Lifemoney most young people I didn’t understand what was going on. How did I do that? I started selling real estate at night. And guess what? I started making more money working part-time than at my day job. I decided to take my hustling a step further. I was interested in sales. I went so far as to get licensed to sell life insurance. After leaving college. but it was apparent that I was a tremendous asset. I took over a job for a friend as an office manager for a life insurance company. I saw that real estate was more suited to my personal goals at the time. 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 did not have a wife or family. I decided to make business decisions that would bring me closer to where I wanted to be. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. I could make even more money. I also knew that I had fine-tuned all the systems there to do my job in half the time than I had been doing when I started working with the company. I decided to 16 . My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. I did not find that product to be a perfect fit for me or my personality. I understood the insurance office management job completely. Unfortunately.
My Lifemoney leverage all that. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly. Best of all. I guess the company trusted me enough to give it a shot. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life. When I went to my boss to resign. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. my gamble worked! Eventually. I was doing well enough and was confident enough in real estate to do it full-time and get rid of my “day job. making my own way and even started knowing myself and where my real talents and desires 17 . But my education was just beginning. I began to learn about the importance of defining success for myself. and I went from initially working five days a week to just one day per week. I was putting those early Lifemoney skills into play and getting the same amount of work done in three days as I had done before in five. I didn’t know it at the time but I was to go through many more experiences that taught me how to build and run successful businesses and be happy at the same time. This would permit me to have two more days to sell real estate. I also promised him that the quality of the work would not change.” It was a risk to leave the security of a full-time job. He reluctantly agreed on a test basis. the one you’re probably most interested in. You never know what people are willing to do – or what you can accomplish – until you try. I made sure I did everything efficiently and wasted no time at all. instead of just quitting I told him I could do the work in one day that I had been doing in three. For example. You never know if someone will say yes or no to a question until you ask the question. and there was a lot more to learn. at the same pay.
Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). dealing with people – especially difficult people. I used them to create many business successes. But I still had to learn about setting goals.07. like actual cash. but the skills that were created in me were worth more than cash. I’d learned that when the big companies couldn’t supply a product. Especially patience! It was a lot for a young person like me to absorb. 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. evaluating my progress. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money. By my second year. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. 18 . Rather using the attributes I list for you in this book I became successful in project after project and business after business. I was not an overnight success story. At MCI. and I didn’t hit it big with the lottery.086. I became one of the top salespeople in the nation. they bought it from someone else and still sold it as theirs. It was basically a mini-version of one of the larger telecom corporations. Inc. I was already bringing in a six-figure salary and at the end of my third year there I earned $387. resourcefulness and creativity. sacrifice and patience.Lifemoney were. 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. Global Business Solutions.
Sometimes you go searching for new opportunities and other times opportunities find you. lower to the ground and closer to the customer’s ear. Inc. you or the opportunity. 19 . My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. allowing me to sell anything the big boys sold – and better – because I was smaller. remain loyal and protect them as much as possible. the customers would want you to do everything for them.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. I understood that customers loved a one-stop shop. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. When you’re always on the lookout for something new. Heat Wave Tanning. I let the customers guide my business. it’s harder to tell which came first. If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. I saw what the needs were and I fulfilled them. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. and to always be so reliable that I would always be the “go to” guy in the future. and seeing niches before everyone else. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. One of these areas was in the pre-paid calling card business. I eventually contracted with many providers.
Change is good. made my money and then I sold it. managing ten employees. But I felt I was ready for that. So I kept the business for two years. and Heat Wave Tanning was really a great business and a great opportunity in my life. Better yet the business seemed as if it could run itself. That is true. It is definitely a great business that I would highly recommend. Besides. building the place from scratch. 20 . The tanning business though was more hands-on. which was a huge plus for me. It was exciting. and I decided that I didn’t want that kind of responsibility. The tanning business was a big change for me. and managing customer issues just didn’t do it for me. It turns out that people just were going in there to catch a tan. 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. I told myself: it stretches us. maintaining equipment. But I was discovering that retail businesses require a lot of time and attention. This was a different venture from my previous forays in the world of small business. It was like having a puppy at home: you never felt comfortable being far away for very long.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. After more research (and imagining that operating that type of business would be fun). grows us. I saw a line outside of the place and was wondering what they were giving away. A telecom business like GBS was more “virtual” than brick and mortar. and prepares us for the future. and might one day do again. I researched the business and found out that it was a very low maintenance business and pretty profitable. I decided to open my own tanning salon.
My Lifemoney Self Made Records. set to launch in the fourth quarter. 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. It was a lot of work but it has been gratifying beyond words. I signed some artists to my label and I am currently marketing and promoting them. That makes me happier than I can possibly describe to you. with little to no risk and helping others all at the same time. friends and family while providing a marketing platform for them to make their dreams come true.com. no limits and 21 . I am doing what I love. And what’s best is that I can afford to be patient. Self Made Records. in reality I’m busier than ever.com are both my hobby and business. I am now in the process of coding and developing mymusicsite. Later I was a college graduate looking to intern for a major hip-hop record label. looking to blend business with pleasure. And I love it! Why? Because I’m sailing my own ship with no boss. although I brag about being retired. But I can afford to do this because I love it. I will make independent artist’s music easily available to their fans. Inc. In 2007. For Self Made Records. Inc. / MyMusicSite. I am sometimes surprised by all that I have accomplished in such a short time. 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.com Sometimes success comes full circle. but on my terms. I have been launching companies left and right. 2007. and My Music Site. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. 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.
mymusicsite. I just launched TellBrad. and snack items. In addition to that business. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. and business services. 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.com). I am also providing a marketing platform for these artists who want to make their dreams come true. In addition to being its creator. In addition. satellite television. Meeting ExpressO will provide full access to conference rooms which include internet. friends and family. phone. Lastly. I will 22 . Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating.com) and is a retail conference location /coffee shop. break dancing on street corners and hustling for business opportunities.com).Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old.tellbrad. 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.meetingexpresso.com (www. We will make independent artist’s music easily available to their fans. I am also in development on another site called MyMusicSite. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”. The business is called Meeting ExpressO (www. specialty beverages. I will be selling and promoting online music downloads and cell phone ringtones for independent artists.com (www.
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. I’ll tell you how you can do it too! While my story is different from yours and from that of other people. Now. And go for it! No excuses. sell it on the corner.My Lifemoney also receive co executive credit and be involved with development of the project.)” -Brad Turk You can do it too! 23 . Too! I began this lesson by declaring “If I can do it…” without finishing the statement. I will show you how to understand and learn a unique set of attributes you need to become successful. Learn who you are and what you want. when they mature. go by some oranges! (Orange juice outsells lemonade by 10 to 1. Lifemoney Currency “When life hands you lemons… make lemonade. Instead of sitting around thinking about what you want. I have found the common denominator for success. Keep score of your successes and failures. adapt the principles described in each of the upcoming lessons. That’s why I’ve written this book. invest your profits and. Work on the activities.
Still. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you.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. Success is never a game of chance and begins with clearly deciding what you are going to make happen. as far as I know. is in no danger of cracking it anytime soon. John. two very different types of success stories.and though totally different from one another they illustrate what I mean by defining your own success. some might consider him rich 24 . has never cracked the seven figure mark and. pure and simple. In this lesson I want to show you the importance of deciding for yourself what success means to you. These are the stories of two friends of mine – John and Steve . My first friend.
knows what success means to him. From a professional perspective. John’s parents also enjoyed him being there. I have to confess that I kind of agreed with them. he found his own success and it works for him. John told me that he was really happy with his life. He told me that every night that he goes to bed. They think that he is not responsible. he just took it as a joke. Steve. has no ambition and is going nowhere. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. Most days he didn’t have to go into work early and he got to sleep late. he is successful. just as important. He did it his way. Then one day we were talking and John really opened my mind to something. To me.and shouldn’t . he helped them out a lot and felt that his support was needed around the house. he has a big smile on his face. While talking about the future. I have another friend. who on the surface would probably look extremely successful to outsiders looking in. John.push your idea of success on anyone. He needs nothing else to fulfill his dreams. several sports cars and a very 25 . He is truly happy with how his life turned out. who is over 30 years old. He made enough money to live on his own if he wanted to. You can’t . lives with his parents. he also said he was happy with his job.Defining Success beyond compare because he knows himself and. He told me he was still living with his parents because he liked living with them. It didn’t bother him what everyone was saying about him. He has a beautiful boat. All of my other friends make fun of him. What he revealed was so far from who I am as a person but showed me that there are a lot of different ways to define success – and the important Lifemoney key is to define it for yourself.
The weekend that he canceled our trip to the track was because he had to sell one of his cars to make his mortgage payment. Before the weekend came. Why? Because they both hit their mark. Most everything is owned by the bank and it seems every time I talk to him. Have you decided what your mark is? 26 . Some people thrive in that kind of stressful environment. you have completed Lifemoney Lesson # 1. My definition of success comes from within.Lifemoney nice house. I remember one weekend he invited me to go to the track with him to “play” with his cars. He is always making maneuvers to try and maintain his possessions. Does this sound like success to you? It might. Once you define what you want and know what will make you happy. Steve thrives on the adrenaline of living on the edge. He is always stressed and always in fear of losing something. he is in a world of hurt. This is success for him. He is actually so far in debt that he does not really own anything he has. The truth is that Steve lives way beyond his means. He also has to work harder than anyone I know. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. 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. not from without. These men are both successes. he canceled the invite because he was actually selling one of the cars. just so he can try to keep up with payments so that he does not default on anything. Being that I know this friend well.
With the exception of my friend John who I just mentioned. For the most part. most successful people (whether consciously or not) have a system. If we don’t define success for ourselves. I think this is important because I see so many people who spend their lives wandering. you’ve taken the first step to taking your life back. Success means different things to different people. we are on a journey without a map. Success takes personal planning and some work.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. Although some people get lucky in attaining success. There’s simply no future in succeeding for anyone other than you. They go from idea to idea. But becoming – and staying – successful can be tricky. strategy or plan they stick to in order to reach their ultimate goals. It becomes yours. fad to fad not really knowing what they want and drifting with the flow. our definition of success will be individual and unique. When you define success and what it really means to YOU. They buy gym memberships and never use it. you own it. 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. What works for some doesn’t work for others and what works for me might not work for you. Why do they do this? They bounce around because they’re not prepared to 27 . We have no control over our path and our lives can become haphazard. No matter your net worth or social standing we want to do more. Like fingerprints. most people are still on their quest for success. we all want more out of life. trend to trend. get more and be more. They subscribe to magazines they never read. When you define success for yourself. They start up home improvement projects and don’t finish.
Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now. and those are the only things I really care about it. you will be fully able to reap all the benefits that await you. You’ll be able to move in the right direction quickly and simply because you know where you are headed before you approach the starting line.” Plant your own personal seed for success and watch it grow. for you. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . As Robert Collier.” .Lifemoney take full action. look past that next job promotion or future company you plan to build. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. You should live your own life and live up to your own expectations. What is it you really want? What. By starting your journey with a firm grasp of your meaning for success. They live undefined lives. “The first principle of success is desire – knowing what you want. Desire is the planting of your seed. author of Riches Within Your Reach: The Law of the Higher Potential once wrote. See beyond money and its trappings. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations.
He is doing what makes him happy. billionaire Warren Buffet. With all of Buffet’s billions he has always led a simple life. Let’s take. She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams. but successful people have taken the time to really think about their definition of success.Defining Success “All I want is to have people around who love me. yacht or even a boat. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. What would make you happy? We all define success differently. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). He has lived in the same house that he purchased for $31. He does not really have any extravagant items like a fancy race car.500 over 48 years ago. She’s successful! 29 . a 22-year-old student who has just received her acceptance letter into the medical school of her choice. She has spent her whole life making sure her grades were in order to some day get into a good medical school. 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. for example. She sacrificed many nights of going out with her friends and having fun in order to spend more time studying. This is a man who could do anything and have anything and is content to sit home and watch a ball game.” It works for the second richest man in the world.
The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. He’s been a total success.Lifemoney A 39-year-old business executive runs his first marathon. his self-esteem and confidence increase beyond measure. That man is a happier husband. agreed the wife should give up her job when the children came along to provide a stable home life for all. While his finishing time does not win any medals. Although he and his wife share a modest home. have resulted in two stable children with above-average grades and well-adjusted social skills. along with nutritional meals and emotional support. they have not missed out on anything they’ve wanted. Months of preparation and training pay off for this guy’s single-minded determination. Sounds like success to me. they have been able to stash enough away to enjoy an early retirement and see the world. upon marrying. Each of these people has achieved success. and employee – or future CEO – because of this personal accomplishment. While avoiding expenses like costly entertainment or expensive vacations. father. Then there is the couple that. Living off just the husband’s income has not been easy. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. I call that success on their terms. 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 .
love what you do. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. I believe the common denominator in true success is happiness. Over time. As you see in this example. you might become bitter or resentful. Even though everyone usually has a different idea of what success means to them. you can begin to set goals on the road to success. So let’s figure out how you define success. Lifemoney Currency “Do what you love.Jeff Mallett 31 . you’ll be finding out why it is so important to Know Yourself.” . So once you have an understanding of what will truly make you happy. It really isn’t what you have or who you are that makes you happy or unhappy.Defining Success WHOSE Dream Is It. what they all really want is personal happiness. it is possible to be a successful lawyer without feeling like a successful person. 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. If your parents are pushing you to become a lawyer. That’s why. in Lifemoney Lesson #2. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. That’s why it is important to understand your priorities clearly. It is how you view your situation that makes all the difference. While it’s a good idea to talk to your family and others who may be impacted (say. but you don’t really want to.
etc. Then start writing about your views on success. skills.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. open a document on your computer. time. read over your ideas. Once you have this in place. but more importantly.com. set a timer for five minutes. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. or download a copy of the Workbook with all the exercises from my website – www.bradturk. in your opinion. Explain. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. I am going to ask you to open this document on a regular basis throughout this book. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. You can use a three-ring binder. so make it handy and easy to access. and edit if necessary to make them readable and clear. asking yourself questions like these. 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. 32 . the hallmarks of success—money.
“If I only had money. now lives on Social Security and food stamps: “I wish it never happened. you might find you are still unhappy. Her total take was $5. It was totally a nightmare. Ask the following people. after declaring bankruptcy. won the New Jersey lottery twice.” 33 . I know many people with little or no money. If you were handed everything you wanted without working for it. But you just did. I’d be so happy” or “Everything in my life could be fixed with some cash. Money in itself does not equal success. What does she have to show for it now? Zippo.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. Everybody had their hand out. “Everybody wanted my money. William “Bud” Post won $16. It’s amazing how some people perceive money as the answer to all their problems. at gambling venues. Says the man who. they’ll tell you: • Evelyn Adams. Most people just never make the move to define what they want and where they’re going. We all do. something of a statistical freak. She lives in a trailer and recounts that. Not Cash) Congratulations! You’ve taken a huge step. Welcome aboard a new life. • In 1988.2 million in the Pennsylvania lottery. in 1985 and 1986. Completing this exercise brings up a point I think worth exploring.” Her hand was out.4 million. too.” These beliefs about money are all wrong. Having come from a “no money” background.
She shared her wealth with many charitable organizations. And satisfaction is more than being content. but before a decade had passed. And accomplishing your dreams – your success on your own is very important. That is true success – at least by my definition. they’re about satisfaction. that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily. Understand that a lot of the enjoyment of meeting your goals is in the feeling of accomplishment and satisfaction that comes with hard work and success. and the ultimate triumph of accomplishing a mission. 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. That’s why Lifemoney is an internal feeling. Here are several keys to keep in mind: 34 .the fruits of someone else’s labors . and without effort are not actually participating in the creation of their own personal happiness. the challenge.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993. Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future. she had filed for bankruptcy and had just $700 in the bank. I know you’re probably saying “Yeaaa. There is no amount of money in the world that can recreate that feeling of accomplishment. it’s that amazing feeling you get after finishing a job well done. To enjoy success you need to earn it.you miss the excitement. Goals are not just about achievement. not a financial figure.
Publisher’s Clearing House might stop by your house with that big check and. until the value of moving is higher than the cost of those inevitable obstacles. 35 . Don’t put your trust in success just showing up. Stop looking outside yourself or to others to explain your failures. Most likely it will be bumpy. that would be incredible. Success is not a game of chance. The power to change is your own.Defining Success 1. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. Anything worth doing is worth doing well. together – because you made a conscious choice to pick up a book called Lifemoney. 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. and another. waiting for you to come and claim them. sure. Chart a course for paradise. but don’t forget to enjoy the sites along the way. it resides in you. Now all you have to do is take another step. When you lay blame or make excuses. You’ve already taken the first step. It may take months. but your dreams are out there. or it could take decades. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. And remember that it’s important to enjoy this journey so keep an eye on the finish line. Others have influence over you and affect you. even if the voyage looks choppy. you willingly give your power away. but they do not own your ideas or lay claim to your dreams. it’s also worth doing despite the odds of failure and cost of success. and that might not have been easy. You are here – we are here. 3.
there will always be a nagging feeling that something is missing.” -Steve Jobs 36 . your neighbors – forget it. 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. If you do it for the money. Success must happen YOUR way. trust me. on YOUR terms for YOU to be truly happy. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. If you let others define success for you. success must mean something to you if you are ever to truly achieve it. 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. Lifemoney Currency “Your time is limited. Whoever you’re trying to keep up with – the Joneses. That’s totally normal. If you do it out of ego or pride or greed. Let’s go there right now. All right. Lifemoney Lesson #2. something WILL be missing. so don’t waste it living someone else’s life.
I am seeking my own personal growth and happiness. I will always seek to lead my own life. and then tally your score. _____ 8. I am in control. _____ 3. _____ 2. I will define success for myself. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 7. I spend time learning what it will take to be successful in what I love. _____ 9. I will decide for myself what occupation excites me. My life is mine and I’m excited to develop it on my terms. I am winning life’s lottery. _____ 6. _____ 4. I hope they enjoy it because you probably won’t.” -Brad Turk 37 . I will look beyond money to find happiness. _____ 5. _____ 10. The expectations that matter most are mine. Lifemoney Currency “If you live for someone else.Defining Success Millionaire’s Checklist: Check all the items below that you agree with.
you will build on the first lesson of this book. In my mind. It’s a journey that may veer off in a thousand different directions before finally coming to fruition. but it always starts with YOU.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success. “Defining Success. great moves. I expect to make great plays.” by exploring who you were to determine who you are and clarify who you want to become.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. I can never be good enough…It just comes with the territory of knowing yourself and making the most of what God has given you. In Lifemoney Lesson # 2. 38 .
But life success is a self-test. or two-time divorcee. Maybe you’re carrying around a little extra baggage as a high school dropout. one of baseball’s legendary home run hitters. father. a basketball pro. lawyer. son. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. banker – merely describe you. How many of us hover around the comfort zone of what we’re good at. right? You might be a wife or husband. a computer whiz. 39 . So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. not a popularity contest. 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. someone’s parent. a son or daughter. or a musical genius. Who are you? Who are you? That probably depends on who you ask. unsure or even unwilling to concentrate on what we might be great at? Often the difference between being good and being great is making adjustments that allow you to spend more of your time developing your greatest strengths. a student. they don’t define you. because he knew he had the ability to be a GREAT batter. Before you know where you’re going. a company executive. 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. unemployed worker. This is valuable advice for many of us. He stuck with the decision. you need to know who you are.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. But all of these titles – husband. He took a lot of heat for his decision because he was a GOOD pitcher. but not without a period of introspection first.
instead of building the future you always wanted and. you find that those dreams never materialized. wherever you’ve been. when you take a moment to catch your breath and see where you are. When was the last time you asked yourself this question? What was your answer back then? Has it changed? Many of us live such fast-paced lives that we seldom take time to reflect on the distance we’ve traveled from the starting point many years ago. you can still find the path to your personal success if you’re willing to look for it. Then. and hopefully a little wiser. more importantly. day to day.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. and maybe not even worth the effort after all. you got sidetracked into making a living and getting by. but ready to gear up for the adventure that lies ahead. But now. Maybe he or she is a little older. and live happily ever after. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. start here. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. have kids. 40 . let me help you rediscover that person again. knew you were capable of attaining. Whoever you are. Or maybe you were hoping to get married. the goals appear too distant to reach anymore. Life has a way of sidetracking us from our goals to deal with day to day living. whatever you’ve done. Instead. If you are just starting off on your voyage to success and don’t know where to begin. looking back. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation.
not the Joneses. If you don’t know what will make you happy.” -Brendan Fraser 41 . or someone else was going to wind up dead!) He drove straight to his accountant’s office. normally peaceful man now felt like hunting the driver down and ripping his head off! Then it hit him: keeping up with the Joneses was killing him. or maybe just busy work. and over the next year phased out four of his five clinics. My priorities aren’t amending. In his case. He was a very successful physician with five private sports clinics. What is success if you don’t know who you are inside. successful. (Either that. This nice. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. restructured his organization.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. Lifemoney Currency “I’m starting to judge success by the time I have for myself. Why? Because he was finally keeping up with himself. they’re shifting. His patients and his workers loved him and he was loaded. how can you ever hope to achieve. less really was more. literally. but he was slowly driving himself insane. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. It is not. Twelve months later he was happier than ever. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. the time I spend with family and friends.
these might include honors.” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. reflect on the things that worked in your favor.” 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 . Even if you didn’t consciously use these qualities back then. In looking back on your past. • • • • • “I earned a college degree. or personal achievements. certificates. For example. Make a list of your top four or five achievements. now you can see how you managed to win that particular prize.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. and/or specific steps you took while completing these accomplishments. list your personality or character strengths. define a recent accomplishment by personal attributes: 1. recognition. Under each. “I made a wise career move by getting a better job.
43 . some may be more physically oriented.Knowing Yourself 3. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. you will get a better idea of who you really are down deep. like sports competitions. You’ll begin to see how that person might emerge in the next stage of life. like academic work.” “thorough. What might that say about you? Using this exercise to get a sense of your approach to important life goals will help you understand where your strengths lie and what makes you happy. You may even recognize the type of goals that attract you. Some people excel at social endeavors like arranging parties or special events. Let’s say for instance that when comparing the events above words like “organization. As you think about the things you’ve done that you have enjoyed and made you feel good. 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. and so on. while others could relate more to mental functions.” and “selective” came up in one form or another with each of the three achievements. Look for patterns forming.” In this case As you look over your list what characteristics come up over and over? Those are your strengths.
The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. You could be someone who inspires others when they go through hard times. Or you may be the employee that handles confidential matters at your company because the boss trusts you most. Maybe your mom has always said you are hard working. which shows up in words like “endurance” and “commitment” and “perseverance.Lifemoney The world is full of born-again success stories. That means laying the mental framework now for the physical action you will be taking later. but in the renewal of spirit. Write down the characteristics that you’ve often heard people mention to or about you.” Maybe you’ll get back that desire you once had to open a gym or start a summer camp or start taking at-risk youth groups on cross-country hikes. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. So take this time to remember or remind yourself of what you want out of life. enthusiasm. passion and effort. you are on your way to getting there. Aiming your thinking correctly requires more Workbook exercises at the start. I would like you to make a list of the qualities others have noticed in you. Your list could look something like this: 44 . not in a religious way. You’ve just done an assessment of the qualities you see in yourself and that you find positive. If you do. And maybe your list reveals a part of you that loves physical activities and accomplishments. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages.
Lifemoney Currency “You gotta have fun. It’s our job. It’s business. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. This makes it that much easier to achieve your goals. Regardless of how you look at it. You need to keep this in mind as you plan your goals and how you will reach them. Since most of us do a better job with activities we enjoy. you’ll probably find that you are drawn to things you think are fun.” -Derek Jeter 45 . we’re playing a game. but I don’t think you can do well unless you’re having fun. Things that are fun for us are those that match with the ability to use these character traits.Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. Now you have an even better idea of how to play to your strengths as you set up goals for the future.
right? I do. working around it or improving it. You put things off. you will never be able to deal with the issues that are holding you back from success. I got the materials (or information) late. The machinery isn’t working right. you can get into some real trouble. As soon as you say. My mom’s cat died and I had to bury it. and moving on. I didn’t know what I was supposed to do. You do. I have a saying: denial does not change reality. Everyone has flaws! But successful people understand the value of admitting to a weakness. Everyone has weaknesses. Maybe you have a lazy streak (sometimes I do). Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . “I don’t have any major flaws. It’s part of being human. and then do a half-hearted job when you get around to them. But all the while. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. 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.Lifemoney What Are Your Limitations? Let’s be honest.” you’re finished. But if you don’t admit to those limitations.
what good is all that positive self-talk? 47 . or not taking shortcuts on a project. Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait. even deciding how to invest the extra money you’ll be making. like being able to say “no” when you don’t want to do something. You also can add things about your character that could benefit from improvement.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. For instance. These could include personality drawbacks. write a brief description of an incident where this particular quality had a negative impact: • • • Overbearing—offended a good friend of mine Sloppy—embarrassed my girlfriend at her company picnic Late—arrived late for an interview and didn’t get the job As you begin to link certain behaviors to unwanted outcomes. But if you’re late to the interview. like shyness or arrogance. you can have the best intentions in the world when interviewing for a new job. Now write down a few of your weak areas.
” Instead. for their weaknesses. for their inactions.Lifemoney Successful people don’t write off damaging personal traits as “oh well. Derek Jeter. they blame themselves 4. 48 . don’t write it off as a cute character flaw. for their triumphs. and their efforts paid off. You may want to start working on these weaknesses one at a time until you start seeing better results. they: 1. so take action. get rid of it. Always assume personal accountability. Knowledge. for their actions. Don’t blame the economy for low profits. is useless if you don’t act upon it. the minute you start passing the buck. Bill Gates. and Russell Simmons didn’t earn their millions by making excuses. that’s just me being me. But remember that people like Donald Trump. the bucks start passing you by Get Rid of It! If procrastination and chronic lateness are a symptom that both you and others recognize in yourself. And action means work. Don’t blame the product for being inferior. Don’t blame the weather for being late. Eat breakfast on the way and tie your tie in the parking lot. they blame themselves In other words. There are so many things you can do. especially self knowledge. Take stock of their weaknesses and work hard to improve them 2. They did what it took to climb the mountain of their success. Of course. for their strengths 3. they blame themselves 5. it’s easy to throw in yet another excuse about finding the time to make these changes. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. for their failures.
On the other hand. Though it was a full blown failure. If you’re good with numbers. But within weeks they discovered that their great inventions were totally useless. What matters is that you freely explore any path you wish until you find the one you are destined to travel. Whatever your interests and skills. For example.com. if you like words and books choose a different road to your success such as writing or communications. They decided to view “failures” as information sources for building new things.” but it didn’t work.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. 49 . Using mistakes as useful information is the way many large companies are innovating. Google created an early version of Google toolbar with all kinds of great features. the lessons learned provided the originators with priceless information which allowed them to create Like. then do the work it takes to eliminate weaknesses and build on your strengths. They treat everything they try as an experiment. Many people have failed at that. they viewed the results as useful information. one of the most successful photo search engines on the web. Or it didn’t last. So rather than dubbing the whole project a failure. Or then again you might end up on the exact same path your grandfather took a century ago. Maybe you’ve already tried success “your way. 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. then choose something that includes some type of numbers work like accounting or investments. Maybe you’ll take a route that no one in your family or neighborhood has tried before. Another example was a short lived photo search engine called Riya. you can find a path—or blaze a trail—that will lead to your personal happiness. Then be fearless about taking it.
Consider one the top 50 business influencers of the 20th century. and a worldwide store chain. a publishing house. and they don’t let lack of money or support stop them. Walter Elias Disney. Morgan was to finance.” Just think of that for a second. Twenty-six times. “It all started with a mouse. an Internet operation. It’s easy 50 . and Japan. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories. And that is why I succeed. I’ve failed over and over and over again in my life. I’ve been trusted to take the game’s winning shot and missed. I’ve lost almost 300 games. Disney was to fantasy what J.” -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. France. Starting with a little mouse. a film studio. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937..Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. As Walt himself recalls. Many successes start right where you are: not knowing themselves very well and beyond broke. Theme parks with the Disney name are located in the U. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. But they know enough about themselves to know what makes them passionate and hungry. Disney founded a $20-billion media conglomerate that includes a TV network.P.S.
He stuck to his singular vision of himself and is now revered as nothing short of a genius. But more importantly. Remind yourself of the unique skills you bring to the process. finding a life partner. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. list the qualities that you think you would need to achieve them. never let the world tell you that you can’t do something just because it’s never been done before. or building financial security. Two. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about. failure and distraction along the way. Stay centered on who you are and the goals you want to achieve. it will help you understand if you are looking for success in the wrong places by objectively 51 . 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. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish. landing your dream job. The reason for this exercise is to begin the process matching your abilities to some of the things you want. Walt Disney held firm to what he knew. One. This is done for two reasons. Through rejection and derision. such as getting in great physical shape. never tell yourself that you can’t do something because it’s never been done before.Knowing Yourself to imagine success when it’s already been done before. So let me ask you again. Now. Goal Achievement Exercise E Take out your Workbook. but what if it’s never been done before? That’s the dilemma Walt faced. as well as any new talents you may choose to develop along the way. Under each thought you write.
Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. adoring women. For example.Find More As you learned in Lifemoney Lesson #1. because he knew he couldn’t be happy doing anything else. In other words. Why? Turns out he had Lifemoney Lesson # 2. if you want to make a million dollars. down cold. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. be careful what you wish for. Here was a guy who seemingly had it all – loads of money. and comparing those qualities with what you deeply desire to develop within yourself. What remains important is that you feel successful at every step of 52 . making a million dollars doesn’t necessarily mean you will be happy. Understand that fortune and fame doesn’t equate to success. Knowing Yourself. Know yourself and double check your motivations for success. knowing yourself and being true to yourself makes you successful. screaming fans. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. Make Less . As an example. it might not be what you expected. because when you get it.Lifemoney highlighting what’s required for success. the Hollywood Dream – and he left it all behind to risk his life and fight fires. 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. you must understand why you feel a million dollars will equate to happiness.
The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege. not a destination. and that most of his day was spent with his wife and children. progress at any price should be more than most of us are willing to pay. he asked the locals if there was a fishing boat that went out daily. or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership. the two men took the boat out on the seas. So many of us set conditions for our happiness.” you’re in the conditional happiness trap. See how that works? If you say “I’ll be happy when…. like “I’ll be happy when I make my first million. The businessman had no problem going out for just a few hours while his own wife visited the spa.Knowing Yourself the process. detours. The next day. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide. and enjoy. While waiting for the fish to bite. the executive was impressed with Fisherman Joe’s skill and 53 . The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water. While there. Ask yourself this: What happens until then? Truly successful people make peace with. obstacles and roadside attractions along the way is taking away from true success. today. Fisherman Joe told the executive that it would be a pleasure.. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii. Although success is a worthwhile goal. They recognize that success is a journey. and that to skip the rest stops. but that he only went out to fish a few hours each day. where they are right now.
“I sell most of ‘em. Soon business was booming. Working day and night was more than he had expected. and then working a fleet. Although Joe was reluctant to leave his comfortable home and family while working in L. had no problem and 54 . Joe decided he could not take this life anymore.” The shrewd executive knew a good thing when he saw it. would aid his partner’s goal of taking their company public. “and take home what’s leftover for dinner. He spoke to his partner. Fisherman Joe went from working full-time on his boat to getting three boats. After a slight hesitation. they finally went public. But Joe was now worn out. “After so many years.” “What do you do with them all?” the business man asked. 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. Just a couple of hours a day supplies all my needs. The prosperous businessman. asking if he could cash out his shares and return to Hawaii. The business life was not satisfying. After five grueling years.A. truly amazed. “How would you like to go into business with me. Joe shrugged.A. Finally. “How do you get so many in so short a time?” the businessman asked. I know their habits. for the man seemed unusually humble. The two men moved the business headquarters to Los Angeles. and remove himself from the enjoyable part of his business—fishing—he did it anyway. as though he was unaware of the value of his skills. Joe agreed.Lifemoney ability to find the best spots to reel in a terrific catch for the day. and did not really enjoy what he was doing. Joe knew that being in L.” Joe replied. who had reached his goals.
a popular magazine interviewed him. In the end. so I can fish a few hours a day. It’s that you should know what you want out of life. He already knew what success looked like to him. his journey brought him right back to square one.” the interviewer commented. 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. and he ended up doing exactly the same thing. it is. that’s quite a journey.Knowing Yourself wished Fisherman Joe well. and then I am going to spend the rest of my time with my family.” The moral of the story isn’t that we should not try hard or set high goals. Before Joe left. The interviewer was amazed by Joe’s journey and the story behind his success.. “From fishing a few hours a day to a multi millionaire.A. Two very different men viewed the exact same experience in two very different ways. the entire experience had been a detour from Joe’s own sense of success. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L.” Joe replied thoughtfully. but he ventured away from it for more money. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success. “Yes. what are you going to do?” Joe replied that. and many might have found it fulfilling. But Joe found it a waste of five good years of his life. This journey was quite productive. Both of them found success in completely opposite directions! 55 . “I’ll get a small fishing boat.
Certain occupations will be a better fit for you than others. go for it. No one knows better than you where you feel confident versus where you feel unsure of yourself. unchallenging and even difficult. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. A local community college may also offer these assessments free of charge. take an aptitude test. Is that a realistic goal for you? It was for Spud Webb. just understand the obstacles that you are going to face. time.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. Assessment testing can also help find your natural strengths. They can measure your characteristics and ability to acquire additional skills. Do you have that drive? If so. Sometimes it will take that much more work. These assessments are available all over the internet or by looking in the Yellow Pages. Lifemoney Currency Understand that fortune and fame don’t equate to success. and effort to reach something that is much harder to attain. being true to yourself and finding your happiness makes you successful. and if you work in a field that doesn’t match your natural abilities. -Brad Turk 56 . Aptitude tests can provide some insight into your talents and abilities. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. But he is the exception to the rule. you may find your work unrewarding. If you don’t know where your talents lie or still don’t know what you feel you would be good at. who not only played professionally.
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
Once they decide on that goal. He was/is an up and coming “superstar” in the music business who missed a huge meeting I’d arranged because he could not get himself into Manhattan from Queens (a quick 20 minute trip). Kanye West vs. For this exercise. Goal Achievement Exercise F Take out your Workbook. His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. It is the first step of turning the thought of doing something into the reality of achieving something. Now let me tell you about another hip-hop artist you’ll probably never hear about. And they don’t allow $2 tokens . For instance: • Goal: Starting up a home-based travel agency 61 .to side track their journey. For two full days this artist could not come up with the resources for even a $2 token to get there. Mr. Nobody. make a list of your top 3 goals that. would make you a happier person.or the opinions of others .Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. Every successful person I know has clear goals they’re reaching for. It’s time to write some goals right now. 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. when accomplished. That’s because he had more daydreams than plans. Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal. obstacles became simply inconveniences to be overcome.
Those people are not smarter. listen to the radio. or better than you. or read a book and you’ll see hundreds . stronger. Dreams are real and they do come true if you follow this path. get started! 62 . that’s natural. Just watch television. they simply learned these lessons a little sooner and applied them a little earlier.Lifemoney o Objective: Get travel agent license o Objective: Build out basement to accommodate office o Objective: Save up enough money for expenses and a salary cushion • Goal: Opening your own bakery o Objective: Find 2 bakers o Objective: Find a location o Objective: Do a business plan • Goal: Starting a vintage car website o Objective: Find a website developer o Objective: Research cars that could be placed on website o Objective: Legally incorporate your company At this point it’s common for people to feel a little insecure or anxious about finally seeing their life goals and objectives written out. Now is your time.even thousands of people who have applied action and planning to make their dreams real. Relax. The problem with dreams is that we’ve dreamt them for so long. They happen every day. it’s often hard to see them as real.
Clear space for new furniture 63 . 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. Let’s set up an action plan for your goals right now.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. What bridges that gap? Action steps. timeframes. Goal Achievement Exercise G Take out your Workbook. Start looking into office furniture and equipment iii. Prepare for exam iv. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. etc. We all know that goals just don’t happen. Schedule exam • Build out basement to accommodate office i. Order a separate phone line from the telephone company iv. Research classes that offer test preparation for agent exam ii. break the list down into three or four action steps you would need to take in order to reach that objective. Understand the testing process (where given.) iii. Find out construction costs for renovation ii. Below each. 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. An action plan is just a series of steps you plan out ahead of time to take systematic action.
Sure. Now you’ve written goals and some action steps that lead to the goals. Let’s say you want to own your house debt free within ten years. 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 . 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. Start putting away money weekly toward travel agency iv. objectives and action steps. Figure out a budget of what the business will cost ii. but they also add urgency to their goals by making themselves accountable to deadlines. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. Successful people know that there are few assets as valuable as time. deadlines slip sometimes and you have to readjust your schedule.Lifemoney • Raise and save enough money for expenses and salary cushion i. So not only do they spend a lot of time managing their time. but without a schedule to start with you’ll never know if you’re slipping.
With a large goal like opening a new business. Timelines do not mean deadlines. be VERY realistic about your timeline. they identify action steps. This is an easy step to take. jot down a date for reaching them. and then they set times and dates when things will be completed. give yourself a year. Successful people set goals and objectives. they are guides. You must schedule your goals. not written in stone. 65 . but for the most part. many people leave this step out and things just never get done. 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 action steps. Let’s actually do it now.Overcoming Obstacles realize that this goal does not have a reasonable timeline. but it’s also easy not to take. rushing into it is more dangerous than not starting it at all. Go back to the list of goals. objectives. Unfortunately. The goal is still reasonable. Goal Achievement Exercise H Take out your Workbook. You’ll need to adjust. For instance if you want to start your own bakery. If you need a year. and that gets your heart rate back within normal ranges and allows you to actually sleep at night. but the timeline isn’t given the circumstances. Beside each of the objectives and action steps. you should set reasonable deadlines and do everything you can to meet them. give yourself six months. many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. objectives and action steps. As a result.
I learned early on a major flaw that he had that amazed me. I actually had a business partner who is one of the smartest. you might have to adjust your action steps or your due-dates to make them more reasonable. Write It Down Words are priceless.Lifemoney If you keep on falling behind and have to reset your dates. He probably had the one of the worst memories I have ever seen. Anything of importance that needed to be followed up on was immediately put in his Palm Pilot (that was/is his tracking and “things to do” vehicle). After he said he was going to take care of one of the items that I did not want to do. I told him. Like most successful people. most talented and gifted people I know.” 66 . Never underestimate the influence of actually seeing your goals written out and in front of you every day. The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. His solution was to write everything down. About 30 seconds of silence went by and he asked me why I became quiet. Written words are also great for organization and focus. “I’m waiting for you to write that last item down. I stopped and paused. I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. he knew how to compensate for his flaw and it practically never affected his work or his success.
over time.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. set deadlines. and plan specific. For goal setting you will need to prioritize tasks. realistic. measurable. tasks first. and visualized steps. even if unpleasant. committed. Do the important. 67 . you may need to break down the week by hours to make sure you are managing your time properly at first. Set aside some time each morning to review your list and begin working on the listed tasks.” -Les Brown Goal Achievement Exercise I Make a daily written. You may not get everything you had planned done in a given day. You should get the boring. moving you closer to achieving your goal. but you will make progress and. and anxiety producing things out of the way when you have more time. Keep it in the notebook you have been using or in a calendar program that you can keep handy. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. Every day you should be aware of all your goals and the steps needed to attain them. reserve a block of time to do what needs to get done. “To do” list which you will reference daily. you may be able to do more things in a day. annoying. Here are a few tips for using your daily “To Do” list: 1. Depending on how organized you are.
but it works. but it is visible and reminds me daily to get out and play. -Brad Turk 68 .Lifemoney 2. and I am happy with it. your PDA or phone alarm as a reminder. I know I could come up with a more efficient method. I do this. do what works for you. Learn how to use technology. 4. Although I suggest technology. you plan to fail. With computer programs and organizers you can adjust lists quickly and neatly. Computer programs and electronic organizers can save you a lot of time over manual lists. I want to start playing more basketball. I will do things like leaving a basketball by my front door. even I know it is kind of strange – but it works for me. It is not in the way. 3. Obviously. Carry a pocket-sized list with you at all times. use them! Lifemoney Currency It’s true – if you fail to plan. I have a main list at home and a daily list that I take with me. We need to take luck out of the equation. I don’t recommend this method. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up. For example. but it is not really a priority that I want highlighted on my daily to do list. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. So if you need post its. It’s just something I want to get around to doing more often.
newer provider. Whatever obstacles have been preventing you from starting your journey. because it mostly affected the smaller customers. Adversity and obstacles will come up along the way whenever you start setting goals. taking market share away from MCI and AT&T. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. not price. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins.” Unfortunately. But MCI was not concerned with this. Mental and physical preparation is essential to finishing any journey. I found that MCI was one of the highest-priced long distance service providers on the market at that time. My problem was that I was the one handling those smaller customers. These companies were offering rates that were about half the price of what we sold.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. Successful people use their Lifemoney skills to look at obstacles as opportunities. They step up and success is their reward. There were a lot of smaller companies. and you must be mentally prepared to deal with them. Most of their larger customers simply wouldn’t take a chance with a smaller. The MCI philosophy was “we’re selling on value. it is extremely difficult to sell value at two times the cost for the same product. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face. now is the time to knock them down forever. with fewer expenses. not stumbling blocks in their path. 69 .
Below that. but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. 95 left or got fired. Describe one of your main goals in a sentence or two. list possible or proven obstacles or fears that may be keeping you from reaching your goal. The turnover rate for my position that year was 95%. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. I started looking for other products to sell even though long distance was supposed to be our main focus. That meant that for every 100 reps starting at MCI. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. Then come up with the solution/objective and an action plan. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. With firm goals and objectives in mind from Exercise F. I 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. Luckily. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. This was the beginning of a booming market.Lifemoney I quickly scrambled to find a solution. Be honest and write every obstacle and fear you can think of. Lifemoney Currency “If you don’t like what’s on TV.
so that you will 71 . • I don’t have a plane. So how do they do it? They are not superhuman. These obstacles come in all sizes. • I can’t afford a plane. start a savings account with regular deposits. find an online interest group. Objective: Find out about buying a used plane Action plan: Find out about bank loans. etc. It’s like your teachers used to say in school: “You’re only cheating yourself”. Each part of this process should be specific. and colors for different people.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. they add action to their goals and steps and turn dreams into reality. clear. focused. People just like you and I. etc. shapes. save money for classes. So is flying an airplane impossible? Of course not! People fly planes every day. but they are action heroes. 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. etc. Here’s an example of what your obstacle list and action plan could look like: Goal: To pilot my own airplane Obstacles: • I don’t know how to fly. Objective: Research planes and prices Action Plan: Go online and research planes. Objective: Take Flying Lessons Action Plan: Research Classes. so you will need to spend some time figuring out the possible or probable barriers to your goals. and manageable.
or even when we face them with not-so-successful results. All of these steps we have completed so far help you get focused. Let’s examine each of these and ways you can beat them every time. you’re probably going the wrong way. They say if everything’s going your way. we learn from our success and failures to meet the next obstacle with even greater results. making excuses. When we face challenges and overcome them. Number 1: Procrastination 72 .” -Brad Turk Three Huge Obstacles In my life as a successful businessman. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1.Lifemoney end up where you want to be. stay clear. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. and manage your way to achieving your goals. your real goal at first may seem almost impossible to reach. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles. the goal suddenly seems reachable. you’re probably going the wrong way. That’s because life is supposed to be a challenge. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. procrastination. 2. As with this goal of flying. allowing failure to be an option. Lifemoney Currency “They say if everything’s going your way. and 3.
” The list goes on and on. or avoid taking action steps once the plan is made. and some of us are experts at it. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4).” “My husband says it won’t work. procrastination is one of the worst enemies of success. 73 . All the time that is wasted procrastinating is not putting us closer to reaching our goals.” “I’m too tired.” “I don’t have the help I need. too.” “I don’t know where to start.” “I can’t find a minute to myself.” “I’m over-committed already.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination.” “The kids need me right now.” “My wife’s nagging won’t let me think. To me. It’s easy to put off making a plan for starting the journey to your goals. 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.” “It costs too much. By procrastinating I mean putting off or delaying an action or task to a later time or date. We say things like: “I’m too busy.
some willing to work. Example: You are on the way to the gym and your buddy calls you to go out somewhere. Just do it! Example: When it’s time to go to the gym.” -Robert Frost h i nk about that quote. Or don’t think about not feeling that well at the moment. Just get up and go. • Do a part of the task. places (the mall). Even pick one of your favorite exercises to start. You’ll feel better after you do. Example: If you’re not feeling well and you are supposed to do cardio and weight training. 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. • Avoid people or things that will take you away from what needs to be done. do “a part” of the task. Instead of doing the dreaded cardio. Maybe after that is done and your body is in motion. go. You tell T 74 .Lifemoney Lifemoney Currency “The world is full of willing people. you might be feeling up to doing the cardio. Maybe a part that interests you most. We all know time-suckers. just go and focus on doing the weight training. Don’t think about the whole thing. or things (Xbox/housework/chores). be they people (your lazy cousin Eddie). the rest willing to let them. Don’t think to reschedule it for a better time.
• Write down why you’re avoiding the task. Yet most of us grab onto great ideas for self-improvement without much thought. find a workout partner. I’ve seen people literally write down “make a million dollars this year” on an index card. not the task. don’t think of the exercises that you need to do. If failure is always an option then success may never be within reach for you. visualize the result you’re after. think of how you are going to look at the beach. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. You can hire a trainer. and spend every waking minute realizing their goal. Many successful people consciously visualize a result before beginning a task. While this may be extreme. Sometimes we just need a little outside perspective from a family member. get a friend involved or find someone at the gym who keeps the same workout schedule. If he’s a real friend. not the steps it takes to get there. he’ll be waiting for you when you’re done. Example: If you don’t feel motivated to go to the gym and you dread having to go. fold it up in their wallet. For instance.Overcoming Obstacles him you can’t but he is persistent. colleague or friend. 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. You need to be firm and stick to your plans and continue on to go to the gym. All successful people meet their obstacles 75 . • Focus on the results. which explains why a significant number will fail or relapse when the going gets tough. Example: If you need outside motivation. • Find a partner.
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. Much like the boxer in his now famous movie.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. Even when some degree of success was in his reach – he was offered thousands of dollars to buy the script at a time when he and his wife really needed it – he saw a half-deal as a failed deal. How far are you willing to go for success? If you concede failure before you even begin. 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 . star and creator to see his project come to life. Stallone refused to fail. you may never know. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. 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. Sylvester Stallone went through huge trials and tribulations as a writer. He persevered until.
Being a doctor has been her desire since she was a child. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights. You might feel too old to reach your goals or that it is too late to realize your dreams. my sister enrolled in medical school. This becomes a lifestyle challenge that you must address. Life circumstances and 77 . Emotionally speaking you may be thinking it’s too late for you to change.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. But it is never too late to achieve your desires. At the age of forty. you may be tempted to light up with your buddies at the bowling alley. if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. For example.
Your elaborate reasons will not impress anyone. Your action steps might include dressing the part of the higher position. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. Number 3: Making Excuses Excuses are very powerful. -Brad Turk 78 . and approaching your supervisor at just the right time to maximize your chances for success. The bottom line is. working overtime to prove your usefulness. But guess what? Excuses are worthless! There is never a need to make an excuse. like earning more money by asking for a promotion. 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. Excuses are probably one of the biggest obstacles that keep you from achieving your goals. Rather than making excuses. Start with one goal at a time. This is just not acceptable.Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. Lifemoney Currency If failure is always an option for you then success may never be. the thing you were suppose to do did not get done. they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do.
remember that when this process is complete you are ready to step on the gas and head on toward your destiny. I have a good idea of my action steps to reach each goal. Lifemoney Currency: Good things don’t just happen by themselves. That means creating a written plan for reaching a specific goal. 79 . objectives. Let me repeat: NEVER FORGET to anticipate that obstacles will come up. We need to do everything in our power to make them happen. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. action steps. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. timelines and an idea of some of the obstacles you’ll face. We need to do everything in our power to make them happen. and then tally your score. Being prepared to face them is a huge factor in overcoming them when you meet them. Whatever you do. _____ 2.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. The plan should list the goal. I am ready to create goals.
I have thought about some of the obstacles I may face. _____ 4. I am ready to stay committed to my written plan and see it through with daily reminders. I have plans to fully and completely address all roadblocks to my success. I am looking to see how technology can make my life easier. _____ 9. I am ready to adopt the mindset of someone who will be successful. _____ 10.” -Brad Turk 80 . Just not where you want to go. Lifemoney Currency “Excuses will get you everywhere. No excuses: I will not let myself off the hook.Lifemoney ___ 3. I have created a timeline for my action steps that appears to be reasonable. _____ 7. ______5. _____ 8. I plan to tackle the more difficult things on my “To do” list first. _____ 6.
Yeah. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. The five tools are focus. “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. you’re right. time management. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. My favorite is the one where a television anchorman says to the caveman. efficiency. good point." Overview Success requires the right tools.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned. inventing the wheel. well done. like walking upright. priorities and commitment. discovering fire. Learn to use these five with skill and you’ll achieve whatever you can dream. awesome.' it would have made me actually look and feel ridiculous. and laying the foundation for all mankind.” 81 . 'Good job. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen.
There was a time when people had to be told how to use a telephone. People use tools to improve their lives.” -Tom Clancy 82 . If you stop to think about it. We create mental tools to help us achieve greatness as well. successful people use many of the same mental tools – and use them well. Now that you’ve made up your mind to go after your dreams. Technology is just a tool. nearly everything in our world is a tool. Here are some of the strategic tools that will help you succeed in achieving whatever you dream: • Tool # 1: Focus • Tool # 2: Time Management • Tool # 3: Efficiency • Tool # 4: Priorities • Tool # 5: Commitment Lifemoney Currency “There was a time when nails were high-tech. Whatever the task requires . Just look around you: for the most part we can run our whole lives by pushing buttons that activate machinery to do stuff for us.our tools surround us.Lifemoney We’ve been innovating and making tools since we lived in caves. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make.stoves. cars or computers . you need to select and develop the tools that will help you achieve your goals. Though different tools may suit different people best.
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
driving to the store. insists that she. days. after 50 years you would have spent more than a year of your life “wasting time. 87 . Third. weeks. enjoying your family. minutes. While this may be extreme for you. think of the extra hours you could find just by adjusting to one less hour of sleep per 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. Second. busy with multiple high-profile projects including a daytime talk show and cookbook empire. Take it a step further and think of how much time we waste every single day. In his latest book. If you wasted just 30 minutes a day on surfing channels. contributing to the community. Extra snippets of time come in the most unlikely places. First. months and even years. talking over the fence to your neighbor. let alone two or three. Trump: Think Like a Billionaire. or reaching that goal you think you just don’t have time to reach. To manage your time better I would suggest four things. too. or browsing the classifieds or eBay for things you don’t need. only sleeps 4 or 5 hours a night. be very clear about what you’re trying to accomplish each day. Rachel Ray. Donald Trump suggests sleeping only 4 or 5 hours a night. or useful for others or yourself. interesting. If you’re unclear about your objective you’ll be unclear about the time you’re spending. like building a career. ignore the invitation and do something constructive. The next time you’re tempted to spend time where it won’t count for much. finish whatever you start. Just pride yourself on finishing projects and never allowing them to linger unfinished.Tools for Success manage time well and you become a master of extra hours.
the Fourth of July and Christmas.” the author is also the mind behind movies like Stand by Me. King has consistently published three or four novels per year. Salem’s Lot. Fourth. Lifemoney Currency “The bad news is time flies. So even though he is not working 10 hours a day on his books. back in 1974. King has long said he writes at least four hours a day. The Green Mile and Hearts in Atlantis. While many consider him the “King of Horror. Since publishing his first novel. and Misery. 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. It’s a good lesson for all of us: you might surprise yourself 88 . The good news is you're the pilot.” . Carrie. energy. or any other resource you have available. The Shining. except for three: his birthday. don’t give into time wasters. every single day of the year.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. Someone who knows a little something about being efficient is Stephen King. the author of some of the world’s most popular novels. You are the only one who can guard your time – no one else will do that for you. money. all of them bestsellers and featuring such instantly recognizable titles as Cujo.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. Remember that your time is your time.
from time spent with friends to starting a home-based business. In other words. You also should get in the habit of counting the “efficiency cost” of each decision you make. when you get the chance to make decisions.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. Everything in life has a price tag. some activities are more efficient in getting you 89 . but efficient work. I would like you to list five things you are doing today that could be done more efficiently – and at least one step to boost your efficiency. For instance: Current Activity: Not getting enough time in at the gym Efficiency Booster: Join a gym closer to home so less time is spent on the road to and from your workout Current Activity: Never finishing all the chores on my “to do” list Efficiency Booster: Make a rule that you won’t watch TV at night until you finish just one more item on your list Another way to become more efficient is to make choices that will lead you closer to your goals rather than away from them. weigh each one with a view to your goals. My guess is that you will get more done in four focused hours than eight unfocused ones. Let’s do an efficiency exercise. Not pushing paper or daydreaming. you may need to reconsider that decision. Goal Achievement Exercise L Take out your Workbook. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. From now on. Ask yourself.
In order to focus and spend your time more efficiently.Lifemoney toward your goals than others. For that reason. and effort? What must I give up in order to make this work? How will this choice bring me closer to my long-term goal? Will this decision prove worthwhile in the future? Lifemoney Currency “A particular shot or way of moving the ball can be a player's personal signature. Using time efficiently is a huge obstacle for many people who are would be success stories. time. but efficiency of performance is what wins the game for the team. consider making changes like these to enjoy life now while working toward a better one for the future: 1. decisions: • • • • How much will this cost in terms of money. To better manage your time and utilize your time more efficiently. 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 . especially future goals. or even minor.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. Ride your bike to work to relax and get some exercise. get in the habit of asking questions like these before making major. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. I want you to realize a few things about time and think about ways you can use your time more efficiently.
Get a Spam filter for your e-mail. Many programs offer everything from stock tips to weight loss programs to informational documentaries. they often remain unfulfilled. Watch less TV and do something more productive. cars break down and bosses demand overtime when you least expect it. We are not computers. 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. Things do not always go like clockwork. you managed your time that week can save you hours the following week by learning from your mistakes. or poorly. minds. Set aside “unwind time” after work or school. television can be a valuable tool. Monitor how you’re spending your time. kids get sick. 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. between important tasks. Unfulfilled lists lead to depression and disappointment. with planning and forethought. Setting aside one hour at the end of every week to analyze how well. Eliminate the hassle by making something you have to do anyway. exercise. 2. Don’t overfill your “To Do” list. 4. spouses need our help. When viewed wisely. 91 . and make any needed adjustment. When our “To Do” lists are too full. which can be as little as fifteen to thirty minutes. neither of which fosters success. 6. 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. 5. like getting to work or going to the store. most don’t.Tools for Success to accomplish in the first place. we tend to perform those tasks more efficiently. When we schedule a block of time. or both.
get dressed. creative people. there would be so much less to worry about. I usually use car time to catch up on calls that I need to make. etc. Tool #4: Priorities What are the priorities in your life? For many. 92 . in restaurants. the day begins with the priority of going to work and chasing a paycheck. Without those paychecks. When we learn to use our time – all of our time – wisely. Take a break to relax and listen to music. Bring a book to all your “doctors visits. Appreciate unexpected delays. “Worry is not thought. lobby lines. Entrepreneurs. Mason Cooley once said. or a car to drive.Lifemoney 7. Always carry something to capture your ideas. Think of the day you were sick in bed. food to eat. complaining is not action. 10. 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. If you’re stuck in traffic. especially when it’s spent in waiting rooms. waiting for appointments. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. and get going to a job so you can take home a paycheck every few weeks. You get up. open the window and enjoy the air. wishing you could be outside.” 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. 8. Use waiting periods wisely. we gain not just precious moments but momentum.” Never waste an opportunity to learn. you would not have a roof over your head. 9. Only focus on things you can control. even when it’s spent waiting for things. don’t worry about the rest.
focus on writing and not the collateral activities that might make writing that letter easier. something or someone important is going to get short changed. Choose a priority and be a finisher. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. and take time to spend with the ones you love.Tools for Success Another priority for many people is their relationship with family members and friends. You come home to people that mean a lot to you. 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. Then commit to giving your best to your life and to your goals daily. complete all the important things at the beginning of each day.” 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. Don’t multi-task and try to accomplish too many things at once. Focus on one step at a time. You can easily become distracted doing this and usually nothing gets done right. 93 . If your goal is to write a letter to someone. Do whatever you’re doing all the way. In other words. Second. 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. don’t spend three hours cleaning your desk so you can get started. Finish what you start when you start something. The third suggestion for prioritizing. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. The need for a clean desk before you can begin is less a necessity and more of an obstacle.
I would often share sales opportunities and business deals so that I would have less work to do. You have exactly the same number of hours per day that were given to Helen Keller. my partners and I had a synergy allowing us to accomplish more in less time. One example from my life is that I pay to have my laundry done. and Albert Einstein. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. Together. Take on only what you want to do and say no to the rest. Pay less attention to things that come up but have no relevance to your goal. Pasteur. it was worth it to me. don’t be afraid to say “no. Your time belongs to you.” Delegate worthwhile projects that can be handled by someone else. Thomas Jefferson. Jackson Brown 94 . Lifemoney Currency “Don’t say you don’t have enough time. But why spend hours handling that task when my time can be put to better use? Last.Lifemoney Fourth. Get a caller ID or another screening device for your phone to avoid sales calls or conversations with people who do not respect your personal time. Sometimes you might want to consider sharing profits or payoffs in order to get needed help. Fifth. Sure. I never answer my phone unless it is a call I’m expecting. and freed up some of my time to work on other priorities. give up the little things that scatter your time and energy.” -H. I could do it myself. 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. Michelangelo. Leonardo da Vinci. That will only take me away from my priorities. Mother Teresa.
you need to make your goals – things to do – daily activities. a key part of your lifestyle. or sleeping. You wouldn’t go a whole day without eating. consistently. he told me that he hit the gym five times a week. few of us make that type of do or die trying level of commitment to ourselves and our own goals or even to the commitments we make to others that may help them reach their goals. When we make an appointment to see the doctor. In the last ten years. he had not missed a single week of working out. we feel obligated to keep that date. as he calls it) for over ten years. when someone buys a house. However. besides his normal two week break. would you? 95 . they make a commitment to the bank. In the same way. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. His response was that working out was one of his daily events. It was something he had to do. 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. it was like brushing his teeth. I have a friend who has been bodybuilding (or body sculpting. For example. When I was talking to him about his workout plan. we call it a mortgage.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. I was amazed at his dedication and commitment. 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. Then the real embarrassment came: after going over his working arrangement. eating.
Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.200 gallons of coffee assumed to be caffeinated will turn out to be decaf but consumed nonetheless in just one tax firm during the 1991 tax season • • • 103. 22. because a 99.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268.200 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 . I saw him) to a few months later running 26.9% effort will not get you where you want to go. He went from hanging out and drinking at clubs (I know. Go big or go home. give 100%.200 books will be shipped in the next 12 months with the wrong cover 5.2 miles.488. Daddy's House Social Programs and the public schools of New York City. Follow through. Here’s a breakdown of how things might look if only 99.000 checks will be deducted from wrong bank accounts in the next 60 minutes. 1.517. 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 2.260 income tax returns will be processed incorrectly this year 2. You have no choice really. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. He set a goal and did not stop until he reached it.9% effort were given.
000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9. He even went so far as to tell Jamie that he “would not waste one inch of film on him. 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.” He did not believe Jamie could pull off the part. Oliver Stone. next Thursday and every day in the future on defective. tomorrow.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880. The director. often unsafe. wanted nothing to do with Jamie. saying Oliver Stone didn’t know what he was talking about.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.690 will be spent today. Jamie was already a 97 .056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20. Jamie could have easily walked away.500 mismatched pairs of shoes will be shipped this year $761. Any Given Sunday.Tools for Success • 3.000 incorrect drug prescriptions will be written in the next 12 months 114.
he said that he couldn’t make the movie without Jamie. Lifemoney Currency Never. Moesha and Hanging with Mr. Second. Roc. He had his own TV show. I think it is fair to say that although it turned out to be a great part for him. Cooper. So that’s how successful people handle getting something that they want. They are humble enough not to think they are too good to put in the extra effort. But that’s not how Jamie viewed and approached it. never. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . The Jamie Foxx Show. First. remember to get and stay focused on success. He had also starred in several movies by this point. -Winston Churchill Gathering the Tools for Success Summary The Five Tools of Success we learned about in this Lifemoney Lesson are all about developing your mental tools to get the job done of reaching your goals. they are confident in their abilities and they stay committed until the task is accomplished. 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. never give up. at that point in his career he did not need the role.Lifemoney successful comedian/actor. and he had already done many TV shows like In Living Color. I heard that after Oliver saw the audition tape.
Tools for Success second. you go to it. talents. make efficient use of your time. Lifemoney Currency ”Success doesn’t come to you. Fourth. 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. Last. and resources. or hour passes it is gone. make a commitment to embrace your goals and make them part of your life. Third. minute.” -My Mother 99 .
_____ 5. I am taking specific steps to make better use of my time. _____ 2. Lifemoney Currency ”What you can’t fix. I have evaluated my schedule and am eliminating the time-wasters. I am learning to make choices that will lead me toward my dreams. _____ 3. and then tally your score. I am taking steps to avoid or redirect or see beyond these distractions.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. I have made a list of the major distractions in my life. I am willing to delegate some tasks to others. _____ 9. I am “do or die” committed to doing what it takes to reach my goals. _____ 10. I have begun sorting high priorities from non-essentials. _____ 6. _____ 7. _____ 4. I have identified my focus and am ready to pursue it wholeheartedly. I am determined to include my goals in daily lifestyle activities. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 8. change or impact – You can’t worry about” -Brad Turk 100 .
only to find out later that the IRS has seized the bulk of the account. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count. and one day you look back and you’ll be surprised at where you might get to. he took on the role of a complicated. You may not feel like you’re making much progress yet. At one pivotal point in the movie. Progress Report When Will Smith played the lead character in The Pursuit of Happyness. to 101 . one giant leap for your life.” -Christopher Gardner Overview Finally. You add them all up. compassionate and ultimately successful man named Christopher Gardner. as long as you are going forward. your plans for reaching your goals are in play. Gardner believes he has over $600 in the bank. but just starting down the road to success is one small step for you.
It will cost about $5. if not years. 102 . When things take time. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. it will most likely take months. it’s easy to wander and not finish the essential steps that lead to your goal. including printing. While the event seems tragic. shipping and delivery of the first 2. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. For example.Lifemoney the tune of $600. filled out paperwork for an extension. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. Instead.000 for everything you need to get started. Busy work doesn’t get it.500 shirts to local retailers. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. you need your plan clearly laid out and a means to track how you’re doing. to do everything that you want or need for your dreams to become reality. You’ve decided that you’re going to launch your t-shirt line six months from now. The resulting loss sent Chris and his young son onto the street. But don’t worry: patience and paying attention brings progress toward your goal. 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. and literally withdrawn it from the account. 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.
Was the goal bad? No. We often just assume things are going to work out once we have our plan in place. This messes you up because initially you only needed to deposit $110 in the account each month. but by all means use something. or about $160 monthly. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. In this example. It’s been a year since you made the decision to launch. shipping and delivery – into place. so you decide it’s time to check your savings growth to be sure you will have enough money when the time comes to launch your line. and you recall spending $300 to get a new bicycle. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch. a daytimer. Were you on track? Yes. I prefer a big calendar. Keep it simple. Don’t forget the map! The solution to this common problem is either a chart of your own making. The simple reality is you need one single visual reminder of what you want. What happened? Well. electronic calendar or some other external system. where you’re going and how you’re doing. But when you check you notice that there is only $4.040 in your money market fund. What happened? Most likely – you made a bad assumption. This means that you will need to save $960 in the next six months. you simply failed to keep track of your progress. Was it out of reach? No. 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. but a big 103 .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.
I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. so I’ve broken down my own personal system into five easy to monitor factors. They are items that need to be accomplished to get me further toward my goal. I write these action steps in clear and direct language using 104 . make this sheet physically easy to see as you go through your day. Also. 2. 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. Let’s find out what they are. As always. 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. 3. It’s important to monitor each goal separately so use a separate sheet/planner for each goal. I make sure I regularly review my objectives. List a Goal: This is where I simply write out my goal – one goal per sheet. I’m addicted to simplicity.Lifemoney piece of paper would do. Written goals are powerful. Here are my basic elements: 1. As you can probably tell. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. Your reminder system should have several key components. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. I monitor them on a grid which I will introduce shortly (these pieces of information can be derived largely from the work we’ve done in the previous goal achievement exercises). Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives.
I reach my objectives. Completion: I always mark the date when I’ve achieved each objective. If I reach my objectives. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. I have found that the more specifically this is worded. as well as your response to them. the more accurately I can tell if I’ve reached what I originally envisioned. a popular time of year for making new resolutions or resetting ongoing goals. If I do all my action steps. 5. 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. 4. and keeps you in touch with the realities needed to make your goals happen. Create a grid that lists basic steps for reaching your goals. Take it out for review often to make sure you are headed in the right direction. Closure on my objective always makes me feel good. creating objectives and action steps. Goal Achievement Exercise M Take out your Workbook. We’ll start with January. How you arrange your grid is up to you. and is a great marker of progress toward my goal.Evaluating Progress action oriented words. Now it’s your turn. I am going to use an example of setting a goal of becoming a better golfer in a year. 105 . but below is a model that provides an idea of how yours might look. I will reach my goal. Charting your journey in writing helps to make the whole process seem more real.
Year-round practice will improve my skills. I will surf Internet for local golf pros. to work toward your goal. I will get expert help and assessment. Some weeks. Call for subscription to Golf Digest. Read one golf magazine article per week to learn more. keeping a grid like this one will show at a glance what you are doing. 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. For instance. will be spent revisiting an earlier action step. pros. When you go back and check your grid periodically. Enjoy the thrill of getting better. you can quickly and objectively measure your devotion and success in chasing your dream. and how often. by the way. Check yellow pages for indoor putting green.Lifemoney Goal: Become a Scratch Golfer In Two Years Date January Week #1 January Week #2 January Week #3 January Week #4 Practice indoors during bad weather for an hour per week. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. Outcome I will enjoy my golf game more and feel a sense of accomplishment. Learn terms. Action Step I will take 2 hours during the first week of this month to write out my plan. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. and equipment of golf. 106 . I will make the time to sign up for lessons and commit an hour a week to practice. Even if you don’t fill every moment with related tasks. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine.
you could switch to a physical activity approach in conjunction with. the diet routine. Fortunately and unfortunately. “You did nothing wrong. 107 .Evaluating Progress If you decide to change your goal for whatever reason. it also forces them to be specific. “Please tell me the three things you liked least about what I did. you are now going to get a few things that they were not that excited about. or instead of. For example. This is good. chances are it is correct. even if that means rotating new activities through the process until you find one that works best for you. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. I liked it all. and you found little change in the numbers after a few months. Find something that works. Evaluate the input. To find out if you’re off track I suggest you find out what you did wrong.” To get better information ask. 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. Ask for outside input from people you trust to be honest.” This makes them think. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. remember to adjust the steps to getting there. Make it easier for them to evaluate you by asking the right questions. for example. If you get the same input from different sources. Ask good questions Most people want to know what they did right.
just listen carefully and ask how you can do it better. Criticism is good – it lets us see a different side of ourselves. When someone tells you point-blank that you’re going about something all wrong. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. In 3rd grade he was sent to a school for mentally challenged children. Keep in mind that not all opinions you get will be accurate. however. I’ve been wrong on many occasions. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2. He was told that his best hopes for a career would be as a carpet layer. don’t reject impressions just because they are negative. 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. You don’t have to take every piece of advice that’s offered. If you argue or make excuses. which is totally worthless. Analyze the critiques and use them as you see fit. It also lets us know how others see us. You’re allowed to discard opinions if you have a strong impulse that they are wrong. people will stop telling you what they really think and say only what you want to hear. Don’t be afraid to be off track—or even outright wrong.4 billion was thrown out of 2nd grade. 108 .Lifemoney Welcome criticism Some of the comments you receive might include criticism. Before you open yourself up to criticism.
and how to get there in the most efficient way. far-reaching. your banker. Get enough information to provide a clear picture of where you are currently. • • Walt Disney was once fired for a lack of "good ideas. Good thing he didn't.W. the phonograph.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. For example. Before being home-schooled he was kicked out of three schools. and creative theory of relativity that has shaped modern physics. that he was a screw-up. With his creative mind he patented over ten thousand inventions. or an investment agent to discuss planning strategies that can make this possible. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted.Evaluating Progress • Thomas Edison was told he was not teachable. including the light bulb. Yet. Registering for a financial planning seminar. His bosses thought he lacked the common sense. • Albert Einstein struggled in high school math. if your goal is to retire at age 45 meet with a financial planner. His last headmaster said he'd never make it. You might even want to get several opinions and weigh several options before making a final decision. and film. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. or we wouldn't have his incredible. Woolworth. These also help to make sure you have a realistic goal set and that your 109 . His name was F. or attending a money management workshop are additional ways of becoming more knowledgeable. founder of Woolworth’s and modern department stores. taking a personal finance class. he never gave up. where you want to be.
Either is fine. this is the time to reevaluate your goal. As you try to achieve your goals. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. O. a death in the family. or meeting someone and falling in love. Some people even use something as simple as notes. Watch your goal progress closely Check your daily activities. Notes to yourself. you may get off 110 . If not. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. daily steps that carry us the furthest distance. your plan. as long as you continue to make steady progress.Lifemoney plan for reaching your goal will allow you enough time to meet the goal.K…. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day. keep track of your progress. 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.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. and your progress to see if adjustments are needed for a better chance at a successful outcome. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. a great new job offer that comes unexpectedly. Your best skill is your ability to write things down and track yourself. the loss of a job. you still have time to adjust your plan to maximize your chances for success. Above all remember.
You stop exercising or you start watching a new television series that leads to another new show to another and to another.” “You’re stubborn and won’t do as you’re asked. Goal Achievement Exercise N Take out your Workbook. “You always complain and never offer solutions. and then outline action steps you can take to address these. 111 . properly aligned and refocused. There are some very good action steps you can take to get yourself going again.” Rather than being upset or offended.Evaluating Progress track too.” “You’re always late. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time.” “You work slowly. List the five most common criticisms you hear about yourself. • • • • • • • “You have trouble following through to get things done.” “You’re attitude is bad. Here are some examples to get you started. Then move on to do the same with larger tasks. Don’t beat yourself up for being normal. We’re going to address some of the internal areas that may get you off track to achieving your goals. The faster you uncover the weakness within you and address it. take this information and use it to your advantage.” “I have to constantly watch you because you waste so much time. And don’t forget that sometimes you get off track due to internal factors rather than external ones. the faster you can get on your way.
Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. daily pieces that when completed will gradually accumulate and lead to success. you will lose track and wander in pursuit of your goals. If you don’t make notes of how you’ve broken down your duties. Then be proactive in making changes to benefit yourself and others. Being honest with yourself is a powerful tool. Especially honesty with yourself about your own weak spots. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. Keep these keys in mind: 1. 2. Write down the smaller. Be honest in soliciting opinions from others and acknowledging your weak areas. I strongly suggest that if you break your tasks down into smaller. • • Finish the task at hand and ask for something to do next. come up with a clever solution to some problem the boss is having. more doable chunks that you make note of it in your planner. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. gut-level honesty. break the goals up into smaller.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. Better yet. more specific steps you 112 . there are many things you can do to address problem areas and turn them around to make negatives into positives. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. Fortunately.
Whatever you do. take personal responsibility for the difficulties encountered in your quest. h. Work on replacing a bad habit with a good one each month. Check out at least one set of blueprints for your dream home each month. Contact at least one new potential employer each week. e. f. j. Read a self-help book related to your goal.Evaluating Progress intend to take. Here are examples of small activities that can be conducted daily. d. 113 . Stop and reflect on your life more often: When you stop and reflect on your life every month or two. weekly. daily. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. Meet with your mentor every other week for feedback. Learn something new related to your goal every month. and be willing to make the necessary changes that will help to ensure success. 3. (I speak much more about this in Lifemoney Lesson #6. c. Save at least $10 per day for an average of $300 per month or $3600 per year.) g. Seek it out and you’ll find more encouragement than you’ll be able to handle. etc. Resourcefulness). Have a weekly date with your spouse or child to improve family relations. Seek out successful people for advice: Free advice is all around you. as well as find inspiration to help you continue to achieve your goals. i. you will be amazed to see how much you’ve actually accomplished. Make one sales call daily at least five days per week. b. Review your written goals more regularly (hourly. 4.
as well as anything that remains unfinished.Lifemoney Lifemoney Currency “The price of greatness is responsibility. but that’s fine as long as you don’t abandon the journey. To tell the complete story. You may have to revise your daily or weekly goals from time to time. Come back to your journey when your batteries are recharged. evaluate your progress thoroughly. Do this assessment frequently.” 114 -Brad Turk . take a short break to renew your mind. living. factor it into the equation. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you.to determine what you are able to complete on time. Every success story is written with dozens of action plans that were brought to fruition through focus and commitment. and then give it all you’ve got! Lifemoney Currency “Dreams are real. If you feel that you are unable to follow the timeline or stay with the quest. plan to re-assess your progress.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. realistically – and often. If anything has changed since you began the quest. Make a visual reminder – like the grid I use . After taking action steps toward your objectives and ultimately the goal.
and then tally your score. Lifemoney Currency “Be consistently consistent. I will be quick to admit my weaknesses _____ 7. I have the names of several people I trust to give me good personal feedback. I will create a grid for recording action steps that lead to my objectives. _____ 3. I will invite and accept criticism that is given with a view to helping me. _____ 8.” -Brad Turk 115 . I will make efforts to change or eliminate bad habits. I am going to regularly check my progress toward reaching my goals. _____ 6. along with my progress at regular intervals.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. I will check the grid periodically and make any needed changes. I will solicit feedback from experts. _____ 9. I will reevaluate my goal. _____ 2. _____ 4. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 5. _____ 10. In gathering feedback I will ask good questions.
and we can endure much more than we think we can. Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). It’s how you handle the resistance that leads you to success. 116 .Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe. knows firsthand what it means to be resourceful.” Overview Everyone struggles to meet their goals. When things don’t go as planned. you need to look for other routes or means of help. We are stronger and more resourceful than we know. Sean. This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. had to create his own destiny. everyone encounters resistance along the way. who was brought up in the Marcy projects in Brooklyn. whose net worth is estimated to be $320 million.
including Kanye West. which eventually shaped his destiny. Jay-Z became one of the most respected rappers in the music industry. you might be filled with 117 . Carter line of Reebok sneakers. “I was forced to be an artist and a CEO from the beginning.Resourcefulness When he first started out. When faced with resistance he responded by finding solutions to his problems.a very successful clothing line. right smack through it? As you begin your journey to reaching your goals. No one seemed to be interested in his music or recognizing his understanding of the music business. part ownership of the NBA New Jersey Nets and the S. in some cases.” And that’s what he did! He co-founded Roc-A-Fella Records. he also expanded the Roc-A-Fella empire. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. around it or. In addition to becoming the President of Def Jam Recordings. under it. Other ventures of his are Armadale vodka. He has a willingness to find any way to achieve his goals. the 40/40 Club in New York City. I was forced to be like a businessman because when I was trying to get a record deal…it was either give up or create my own company. Sean was unable to get a record deal. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. Being a talent was not good enough to attain his success. which launched not only his career.” but over it. How resourceful are you? Could you overcome adversity by thinking not just “outside the box. with 18 Grammy nominations and 5 Grammy wins. but the careers of many other superstars. he needed to be a businessman as well. which includes Roc-A-Fella Films and Rocawear .
With a little bit of effort and some common sense. Lifemoney Currency "I've found from past experiences that the tighter your plan. and I know exactly what I have to do to reach my goals. or mediocrity and brilliance. The resources you’ll need to tap into can come from inside yourself or from around you. the more likely you are to run into something unpredictable. do surgery with a pocket knife and 118 . no matter who you are or where you’re headed you need to focus on using these resources to get through the challenges you are going to face." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. run some cold water over your hands. “I’ve never felt better! I have a sense of purpose. turn on the light. They might come from your creative imagination or perhaps from the lives of other people. You’re going to need to be resourceful no matter how much you have going for you. What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. Successful people never hesitate to look for resources that can mean the difference between success and failure. Either way. you can find resources that will make all the difference in your search. This lesson points out some useful resources and answers for the troubles you will encounter on your journey. then slap yourself in the face.Lifemoney confidence. You may be thinking.
expensive. These are four ways of thinking that have made me a better businessman and human being. resourceful problem solvers are some of the most open-minded thinkers I know. Clever. wild and fun solutions. The trick is to keep your mind focused on what you want.Resourcefulness make a computer out of duct tape. Relax and think: don’t let the complexity of a problem paralyze you. Take stock of the situation to see what you can do. he could always find a fix to any obstacle he faced using just what he had around him. and realize that often the reason you’re stuck is because you’re not thinking big enough. you must be the same way. He was the picture of resourcefulness. Though you may not end up being MacGyver. even if you’re unsure of the outcome. 2. and then brainstorm big. and when it comes to succeeding in your life. 119 . I want to make four suggestions for being more resourceful. but the natural resourcefulness of your mind will reward you with many great and doable ideas. He was never played out. Be an open-minded. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. 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. Take time to jot down problems for which you’re seeking solutions. You’ll have to learn to let your mind go in this fashion. You can always do something. only to be told something you already knew? Often. Did you ever consult someone about a problem you were having. big thinker. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. Take the time to take stock of the situation and think on your own.
Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. At twenty-five. As a team. I have a baby face. I was trying to launch my business and wanted professionals and industry experts to take me seriously. That’s how you learn. This was a problem. George and I appeared to meet expectations for maturity and sophistication. but walk with eyes – and ears – wide open. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. 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. I look a lot younger than my real age. who was middleaged and looked more of the part I needed to play. Make sure you capture those ideas somehow – in paper. however works best for you – and then review them every once in a while to see if there is one you can implement. over a microphone to your computer. As you can see on the cover of this book. 120 . 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. big thinking I created a great solution. And when you come up with all those big thinking ideas – capture them. Be a pest. out-of-the-box resource idea and it worked. Once the perception piece of the introductions was achieved. Don’t look at life with the jaded self-knowledge of an adult. It was a big thinking. Don’t be afraid to ask questions from people who know. Become four years old again. and in a moment of wide-open. ask over and over again. George. I looked nineteen. 3. I was able to pitch my products and services to an open ear. When attending a high-power meeting I’d take along a good friend.
Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. You want to paint. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. It was taken from the web site http://members. I've forgotten how to laugh at blunders… 121 . 4. Questions are your favorite tools. I see problems.ca/athomas125/hanna. You see steps. With wild abandon you tackle new words. you can’t know everything. And in my experience.shaw. I see mess. you see colors. Book is your favorite word. I struggle to learn. I see danger. Here’s a thoughtful letter written to a child from her grandfather. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. My dear granddaughter Hannah. You find laughter in mistakes.htm. You want to know everything. 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. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. hoping to master the computer in one easy lesson or not at all. Look for solutions in the most unlikely spots. I find embarrassment. You love to learn. You want to climb the attic stairs. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. You are only two.Resourcefulness You don’t know everything. new skills.
asking questions about their perspectives and ideas. or information you can’t really use. help me to grow up and become just like Hannah. When you’re listening to an answer. And learn to ask better questions and be a better listener. At lunch you boldly bite into broccoli. 122 . I stick with the familiar favorites. Keep Looking . Just keep going until you find the information you really want. After talking to one resource person or another. These could be friends. and relatives who may have an idea or solution to your problem. take notes and then summarize back what you heard so that you’re sure you captured both the words and the spirit of the message.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. But that comes with the territory. neighbors. if it's not too late. and though you dislike it. Look around for success “MacGyvers” hiding in plain sight all around you. You walk right up to a stranger and smile. you might be given all sorts of misleading ideas.Lifemoney You are courageous. Talk to people from teens to retirees. Ask questions that seek out detail rather than just yes and no. tomorrow you will tackle cauliflower with the same exuberance. I love you for who you are! Grandpa Dan Dear Lord. Sometimes you may not know where to begin the quest. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity.
If you don’t find an exact match. often at the press of a button. find a seat at the café. In a larger bookstore chain. and read a recent biography of someone you admire or a book on a topic related to your goal. All you need to do is pick a search engine (I use Google. you can just read while you’re there. Whatever your needs or interests. Instead of sitting in front of the television or playing video games. Number 2: Buy a book or magazine You can find dozens of books and magazines in your goal area or where you want to learn new things. spend your time searching for buried answers. But you can go anywhere you want and talk to whoever you like. technology is bringing us closer together. try different variations of the same words until you find what you are looking for. You don’t even have to buy the books. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. That’s the beauty of the modern world. you should be able to find worthwhile reading. 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. buy a cup of coffee. If not. Even as there are more and more of us. Here are four incredible resources. There’s no better or quicker way to 123 . ask a store associate to order materials for you.Resourcefulness You probably won’t find everything you need in your back yard. You can even use full sentences to pinpoint the closest data to your topic search. Don’t be afraid to use all of the resources available to you to gather more resources. spread far and wide. Look at the jackets and back covers for ideas about whether a book will be helpful.
Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. and videos. Minneapolis. Most libraries offer this type of service for free. 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. You don’t have to buy the product. San Francisco.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. San Diego. Check your local area for something similar. but you may learn a few things from the expert while you participate in the webinar. magazines. You can also get audio books. and Los Angeles you have the Learning Annex (learningannex. language CD’s or DVD’s (if your goal involves traveling abroad). Toronto. If your library doesn’t carry a book you want see if they can get it for you from another library. Number 4: Take a seminar There are a lot of seminars given and places to go that you can learn directly from experts in your desired field. In New York. Many companies offer free webinars with noted experts in a particular field as a way to sell their products. borrow books for free at the library.com) where they constantly have well known speakers. 124 . movie producers and music moguls at your disposal.
It is idling in you right now. you will be able to learn from the experts in that field. For example if you’ve challenged yourself to get a great job in New York City. or showing off your playground skills to other kids. One life changing piece of advice can make you thousands if not millions. Ask the people around you what they know about New York.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. Read books and look for television programs. That thrill of learning still exists inside you today. Be 125 . 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.” -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. waiting for the chance to drive you toward solving your challenges and meeting your goals.
volunteer at a local official’s office and see how it works. Most colleges – especially community colleges offer informal. specialized courses that often cost under $100 and run over a day or several weekly classes. Often we outgrow our friends. If they don’t have one you want. To run for civic office in a few years. Listen first. Rather than ditch your old friends. Consider joining 126 .Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. • Join a special interest group. Over time our interests drift and friendships change because your interests no longer match. If you’re planning to write a novel. then ask lots of questions. the internet provides an opportunity to meet many like minded people. • Take a non-credit class. Those friendships can form quickly and be lasting. find a writer’s group or a reader’s club. Learning new things is virtually guaranteed. • Online Special Interest Groups. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. No matter what your interest. suggest that it be taught in the future. Check with a local community college or university branch campus for information about these classes. You can meet experts in your field of interest and learn things about your pursuit you never knew existed. work on building friendships with new. and provide you all kinds of problem solving resources. like minded people that share your intensity in life.
Visit a local learning annex Once you have these three written down. Wednesday and Friday. assign timelines in which you will visit these places. Online chat room--. Community resource center – attend evening sessions from 8 to 9 Monday. such as: 1. 2. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s. Join an online chat room 3.this week I will seek out one interest group related to my goal 127 . such as: 1. reading blogs about topics that interest you. List three places where you can go to find some information that will further your ability to be resourceful. or subscribing to a mailing list of like minded folks.Resourcefulness an online community. Consult a community resource center 2.” -Bill Gates Goal Achievement Exercise O Take out your Workbook.
You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. and while attending.C.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. D. According to Answers. those who have already accomplished what you want to do. contact authors whose writing style you like and ask them for tips on 128 . and found resources anywhere – and everywhere – he could. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. Combs applied to Howard University in Washington.Lifemoney 3. “Already a shrewd businessman through his two paper routes.com. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad. you might as well think big.” There he swept floors and kept his ear to the ground. Uptown Records. If you’re planning to write a best selling novel. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings. learning the industry from the ground up. Sean “Puffy” Combs worked in thankless jobs like the rest of us. Before he became known as Diddy. learner and observer.. But Combs was an avid listener. Like Diddy. This is someone who will work with you to set goals and help you make plans for reaching them. look for experts in your field. Lifemoney Currency “If you are going to be thinking anyway.
and who won’t turn their backs when you need help. too. before you speak to them. interviews. find out what not to do. libraries and the Internet are valuable. If speaking directly with an expert isn’t likely. Look for people who can provide guidance. Look up biographies. Go straight to those who know the ropes and can share a bit of wisdom. There are actually some fields like the music industry where the only path to a real job is to intern. And. When learning from the experts. You could contact publishers. videos. “What is one thing you would do differently?” Study those who are where you want to be. If you’re a student. take a job as an intern like Diddy. and look for readers that can tell you what they look for in this type of book. Don’t rely on your own expertise. and other information that might hold clues to the reasons for a person’s success. Don’t fight the system if you don’t have to. and find out what keeps them going strong as well as the things that hold them back. Always be prepared and don’t waste anyone’s time. Ask questions like. don’t be surprised if some don’t return your calls. Learn it first then conquer it. Books. if applicable. get some books about famous people who have already made it in the area where you want to go.Resourcefulness getting published. Try other people or be persistent with the ones you really think are important for you to meet or talk with. but people are the ultimate resource. You also may want to consult the local Small Business Administration or a retired executive. Or look up a local leader that you might be able to interview or job shadow. 129 . Make sure that you research these people and their companies. too. Avoid their mistakes.
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. intrigue these people to help you in whatever way possible. You’d be amazed how many talented people you already know that could help you along your journey. No matter what sorts of challenges you face right now. 130 . think of key resource people you already know from your past and your present.Lifemoney Lifemoney Currency “If I have seen farther than others. Using the people skills that you will learn in Lifemoney Lesson #8. it is because I was standing on the shoulders of giants. Never forget to take advantage of your network of connections. While making your list. List three people that you will contact for assistance.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook.
services and know-how you need to create Lifemoney. but stick around for the credits after his next movie. 131 . the most resourceful individual will taste defeat. to get the information. reach out as often. It’s important to utilize every opportunity. But there is. that can put you closer to reaching your ultimate goals. Some days. Don’t limit your dreams by limiting your scope. always tomorrow after you have done your best to achieve success today. in this case. Very few people succeed entirely on their own.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success.Resourcefulness Lifemoney Currency “Remember you will not always win. and as far as necessary. Try to count how many names are listed at the end of the film. Stephen Spielberg. might be the director. small and large. every one of those people was a resource in creating his latest masterpiece.
_____ 6.Brad Turk . I will take a class or seminar related to one or more of my goals. school or online special interest group. _____ 8. _____ 2. I will network with people I know to find expertise beyond my circle.” 132 . and then tally your score. I plan to visit a library. Lifemoney Currency “Some people say it’s not what you know. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. _____ 4.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 1. I will keep my eyes open for a mentor.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with. I believe learning is the beginning of wealth. _____ 5. ideas. _____ 7. and observations. I say. I will read new material that relates to the pursuit of my goals. _____ 9. _____ 10. I will enthusiastically seek information like a kid. I plan to read an autobiography of a famous leader who inspires me. Learning is the beginning of spirituality. _____ 3. find the people you need to know and introduce yourself. but who you know. Learning is the beginning of health. Searching and learning is where the miracle process all begins.
objectifying your goal. They are your real wealth. directly across the street from Grand Central Station. your Lifemoney. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. asking big and avoiding the herd mentality. These include visualization. He bought the property in 1977 when that part of New York City was in terrible shape. looking at things from a different perspective.Creativity Lifemoney Lesson # 7: Creativity “Rules? Hell there are no rules! We’re trying to create something here!” -Thomas Edison Overview I have built this book around the idea that your personal qualities are like money to you. Now I want to talk to you about the one Lifemoney skill that might be the most important to anyone wishing success in life: creativity. Trump had no 133 . I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you.
Lifemoney other major properties at the time and was told that this was not only “out of his league” but would prove to be “a terrible investment.” Even though he was only 26, Trump’s imagination was endless and he saw something nobody else saw in that property. He was sure the city would eventually revitalize the area and that building would be a goldmine. But Trump did not have the wherewithal to do this deal on his own. For most people, the dream would have died there: no money, no deal. Not for Trump. Donald could clearly imagine a major hotelier working with him on the property, and convinced Hyatt to manage the property. It became the Grand Hyatt, with Trump and Hyatt owning the hotel on a 50/50 basis. But that wasn’t even the best part of the deal. In addition, Trump got Hyatt to agree that it would never manage another hotel in New York City. Trump was so immersed in his creative ideas for real estate that he would ask for outrageous things without thinking anything of it. These weren’t outrageous requests to him, just obvious ones. This boldness was born of creativity. It was a mindset that drove him to propose many more innovative projects. It is this type of can-do, creative thinking that, if adopted, will give you an edge in reaching your goals faster. As Trump shows us, imagination, creativity, brainstorming and audacity are some of the mental currencies of success.
“Man’s mind stretched to a new idea never goes back to its original dimensions.”
Goal Achievement Exercise Q
Get out your Workbook. Pick two goals that you have listed in Exercise F, and come up with a different and creative way that you can bring yourself closer to that goal. Do not use any ideas that you have had in the past or seem conventional. Really stretch your mind and look at achieving the goal in a new way. Read over your ideas, ignore the thoughts that these are impossible. Can you use your resources differently to make one of these impossible steps a reality?
“Don’t play what’s there; play what’s not there.” -Miles Davis
Dream It, See It, Do It!
Let’s use a creative approach that many successful people have used to expand their thinking. This may seem strange if you’ve never done it, but it’s called visualization. It involves creating pictures and movies in your head of things you want. For example, picture a snapshot of yourself on a cruiser yacht in the Caribbean, or taking part in a board meeting of a prestigious company – maybe even your own company. See that smile on your face? You’ve made it—you are living the dream in your mind. In this way the practice of visual creativity helps you own the feeling of success and generates more energy within you. 135
Lifemoney Walt Disney was famous for saying “If you can dream it, you can do it.” Nobody knows that better than Arnold Schwarzenegger, famous bodybuilder, actor and politician. Arnold always understood the power of dreaming and reaching for what you want. He grew up in Austria and he dreamed of leaving his homeland to pursue the goal of becoming a world-class bodybuilder. Years later after he reached that goal, Arnold visualized becoming an American film actor. Dreaming big once again it didn’t take long for him to meet that goal, too. His next dream was to hold public office in a country where he had not been born. Arnold continued building on his natural skills by visualizing many things. Today, Arnold Schwarzenegger is Governor of the State of California. He dreamed big, developed needed skills, watched for opportunities and followed his heart to become everything he wanted. In fact I saw him interviewed on television recently and he was sharing the fact that he’s not yet done dreaming. He has more, and when the governor’s gig is up he’ll be moving on. If you want to see a ‘dream it and do it” guy, watch Arnold. In your mind’s eye, walk through a typical day exactly as you want it to be. Who do you talk to? What do you do? Enjoy the mental image of your success by capturing each detail as a memory to motivate you when the going gets tough. Be patient and build that mental motion picture carefully. Rather than becoming overwhelmed by going from 0 to 60, use your creativity to visualize your daily activities, the house you plan to live in, where you go to work, what your days consist of, how it feels to go home; when you spend time with a spouse, kids, boyfriend/girlfriend, or family; where you go on vacation, what car you drive… Does
Creativity creating success in your mind make you excited, impatient, and eager to get started? This is the power of creativity to motivate you and form your life.
“If you can dream it, you can do it.” -Walt Disney
Goal Achievement Exercise R
Take out your Workbook. Rewrite two of your goals from Exercise F and actually see yourself achieving them. Make your visualizations into a mental movie where you’re seeing what you’ll see, feeling what you’ll feel and hearing what you’ll hear. You might have to get yourself into a quiet place to get all these senses activated, but do your best. When you’ve spent several minutes experiencing the visualization “movie” of your success, write a sentence or two in your Workbook about how the experience expanded and changed your thinking.
Five Creativity Factors
Let’s take all that we’ve been discussing over the last several pages and summarize it into some basic principles. When you are creative you: 1. Use Visualization to see your goal and watch yourself accomplishing it. 2. Objectify your goal to build a pathway to success. 3. Learn to look at things from a new perspective. 4. Ask big.
You’ll work out the bugs of a process that will move you closer to your goal. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. if you want to get into real estate. Visualization is when you mentally create an image of yourself accomplishing the desired objective. 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. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. What’s it worth to you? When you’re ready to give up on your dream. fax. Avoid the herd mentality. If you want to operate your own business instead of working for someone else.Lifemoney 5. copier. so keep your thoughts positive and stay focused. it’s time to shift gears and visualize it. This isn’t fantasy or play-acting. Now. Your body will do what your brain focuses on. See yourself inspecting the houses. this proven 138 . or when it becomes increasingly difficult to see yourself in the winner’s circle. noticing colors of paint and the condition of the neighborhood. imagine yourself doing it. Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. Picture your home office with all the things you would use in a public office—computer. step by step. and telephone. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. it becomes more tangible. For example. Notice even small things like the shoes on your feet and the color of your clothes.
Why? Because you will create whatever you’re visualizing. Take responsibility to hold those images in your mind. your accomplishments and your dreams? Some 139 . Acquiring anything starts with imagining it constantly. I kept miniature models of these cars in my room as a way to make my goal “real” and be an incentive of what I was working for. good or bad. Lifemoney Currency “Visualization is daydreaming with a purpose. Sometimes having that physical object can help make an abstract idea seem more real. There is no substitute for keeping the proper image in your mind at all times.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. Do you keep a special object to remind you of your roots.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500. I have had both of these cars. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. To date. That is a conscious choice. and I still have the toy versions to help me remember to make my dreams real. Those that fail to reach their dreams are often letting their positive visualizations vanish. Look at your workspace. whether at home or at the office. an action you take. All success starts in your mind. Do what you can to make a real “object” out of your goal. but our brains respond better to the real thing.
the one he died on. or another small. present or future. an award or commemorative gift. start collecting those things and placing them around you. and how important it is to enjoy every minute. They go to the closet and look at the outfit that they hope to wear a few months from now to remind them of their goal. and she keeps it near her heart as a reminder of how much she misses him. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat.Lifemoney people have desks covered with trophies and some have desks covered with bills. The object for your personal goal might be something that brings to mind your dream. A miniature horse that fits in your palm could be the symbol of your future breeding farm. It also keeps her motivated and helps as a reminder of how precious life is. Who do you think is more positively driven? Around her neck. If you don’t. This is especially important in creating objects that represent your personal goals. Real objects have power. seemingly insignificant object that reminds you of something very important. Queen Latifah wears a key on a chain. Chances are you have a framed photo. whether past. it should be something that reminds you of and keeps you motivated to achieve your dreams. Dieters sometimes buy clothing in the size they want to be rather than what they are now. Whatever you choose. The key belonged to her late brother’s motorcycle. 140 .
He asked more questions. manages some and sells the others. I looked at my friend as if to say.” But David wasn’t quite ready to leave. His success is attributed to seeing what’s not there and being open minded about what can happen. When we went into the place I was very disappointed. And then. crunched some numbers and while we were sitting down for coffee afterwards. that was it for me. After bothering the agent. I put that check in the casket with my father because it was our dream together. I found out I was going to make ten million dollars for Dumb & Dumber.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. Although I loved the building and the area. I thought I knew something about real estate and I asked the agent how long the place had been on the market. Well. he explained to me that this was a great deal. my friend saw as a positive. the actual apartment was terrible. it seemed I got the truth out of him. From his perspective it was good that the place 141 . “We’re out of here. What I saw as a negative. It looked like a hurricane had come through and no one bothered to clean up after. He buys a lot of properties. I remember him helping me out once when I was looking for a small rental property. I put it in my wallet and it deteriorated. just before Thanksgiving 1995. and he informed me they had been trying to sell it for over a year.
000 down to $150. 142 . David helped me to see the real value of that deal. she really wanted a more flexible schedule. You can do this in your own life. You know why? Asking for big and bold things always generates creative new ideas and usually uncovers a solution to your problem that you might not have thought of. So try! It is a valuable lifemoney skill that can translate into big cash money. it appeared that I would be buying a $200. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. 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. By shifting perspective. Creativity Factor #4: Ask big There is huge power in learning to ask big. She wanted the ability to occasionally pick up her son from school and also did not want to be tied down to the typical 9-5 work week. Although Liz was happy with the money she made and her success in what she did.000 and after spending $25.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. does medical billing and is the office manager for a doctor’s office.000. Most people who walked in there did not see the value of the place and could not picture what the place could look like. How? We were able to get the price from $165. My girlfriend.000. After David did the math with me. She is good at her job and has been with the same company for over 10 years.000 co-op for $175.Lifemoney was a wreck and was on the market for so long. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. Liz.
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
Make the time.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. I have objects around me that symbolize the success I seek. Take the time to evaluate your situation and try a creative approach. Is there some way to save time or money at your job? Can you trim the household budget? How about trying out a new skill? Most people have a lot of potential that goes untapped. 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. 147 . Don’t let yours go to waste. _____ 4. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. and invest the energy in some creative thinking about going after the things you want. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 2. and then figure your score. Remember that one of the most important aspects of creativity isn’t seeing what’s there. _____ 5. I seek out new perspectives to old problems. Lifemoney Currency “A problem is a chance for you to do your best thinking. _____ 3. I can visualize my success through a variety of mental pictures.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. Engage your creativity now by taking stock of your situation.
doesn’t mean you can’t do it. I keep asking bigger questions to spur my creativity. _____ 10. Lifemoney Currency “Just because something isn’t being done. I make detailed mental images of what I want. I know when I ask boldly. _____ 8. _____ 7. I avoid the herd mentality at all costs. hasn’t been done or looks like it can’t be done. great possibilities are created. I will use creativity to help me attain my goals. _____ 9.” -Brad Turk 148 .Lifemoney _____ 6.
Using people skills in a competent. So learning to interface with other people is vital to realizing your goals. getting others involved will be a major key to your success.People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. Understanding how others work and the mechanics of how they think will be crucial in gaining the support you need to get what you want out of life. 149 . Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. professional and powerful way will not only aid you in achieving your objectives. For almost any goal you may have. 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.
I had one rep who was just like I was as a salesperson. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). During that time. I saw from past managers that I have had. I did for her what I wanted my sales manger to do for me – I stayed out of her way. He had so many excuses that he was losing track of them. On the other hand. or had an excuse for something going wrong. I provided them the resources to work in an environment where they could thrive. As an example. I was managing a staff of 8 sales people who all had extremely different personalities. who he missed that had passed away about a year before. I knew she was a hard worker. Amazingly. I worked as a manager for a short period of time. that we are all different and had different needs. hard working and considered her sales position as her own small business that she was managing. and that I could not work her harder than she would work herself. I had a salesperson who was one of the most charismatic people you could meet. that one of the biggest problems in how they managed was that they had a uniform way of doing things. from being a salesperson. I quickly realized that to deal with people effectively you really need to understand what motivates them. I knew first hand. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager.Lifemoney While I was at MCI. They were men and women of different races and backgrounds. that she would get the sales in. Using my Lifemoney Lesson # 8. She was self motivated. He was always late. Their “House Rules” were specific to how they thought a salesperson should be. and he needed a couple of days to 150 . out sick. that same uncle died again. He once told me about his only uncle.
and at least once every day gave him a swift kick in the ass. I micromanaged him. especially when it comes to dealing with people. Be as specific as you can. So to get the most out of people and to win them over to your cause. Shared sorrow is half a sorrow. you need to know what their needs are. Think of a past problem you had with a specific person. some I still have to this day. Reflect on why that might not have gone exactly as you’d hoped and ask yourself the following questions: • • • • What were my preconceived notions about this person? How did they affect how I dealt with him/her? What could I have done differently? How could I respond better next time? 151 . and told me that he needed that treatment to get him where he wanted to go. Lifemoney Currency “Shared joy is a double joy. He later thanked me for helping him. but it allowed me to really connect to my reps and form lasting friendships.People grieve. Not only was this experience a financial success for me. I treated him how he needed to be treated. Anyway.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. Are you a people person? Few of us respond to every situation in perfect form.
or rhythm. everything. of preparing yourself to deal with people rather than doing so on instinct or history. Conversation involves someone speaking and someone listening.” -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. 152 . Get into the habit. Success doesn’t happen by accident. For relationships to be mutually valuable you must build a bridge that goes two-ways. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. do not speak. even dealing with people – especially dealing with people – requires proper planning. standing in the gap to close it for us. Step # 1: Be a Good Listener People want to be heard and understood. The primary way we communicate with others is through conversation. Listen.Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. Lifemoney Currency “Every one of us gets through the tough times because somebody is there. there are lanes for incoming and offloading traffic. When it is your turn to listen.
It turned out to be a win/win for us both.People To demonstrate how much people want and need to express themselves and feel understood. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position. Smile. If you want to win them over. Ask questions. 153 . it seemed as if we did not even speak about me. Everyone’s favorite topic of discussion is themselves. Again. Be enthusiastic about what they are talking about and who they are. Yet. listen with a reason. He was so excited to talk about himself and his experiences that at the end of an hour. advice or assistance. You can’t learn from them if you’re talking. let them talk about their skills. at the end of our meeting. If you really take an interest in what they are saying you might learn something. their needs and their accomplishments. find out about them. Let the other person speak – while you LISTEN. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. Because I took an interest in him. Although I knew my resume would be suitable for the position. Watch for opportunities to offer empathy. When you talk to others. Step # 2: Take an Interest in People When you listen. this guy not only offered me the job. we did not get to discuss my history. I asked the interviewer a few key questions about himself and what had made him successful in his career. Keep in mind he found me so interesting and I barely said a word. At the beginning of the interview. I will tell you a funny story about a job interview I once had. Try and put yourself in their shoes. he took an interest in me. not just another segue to a story about yourself. people like people who like them.
Don’t take that away by changing the subject to you. But you need to be genuinely nice. 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. you don’t have to interject your knowledge or skills. the more two-way they’ll become. Even though you can relate to the story because of your expertise. Most people react in a negative way due to circumstances. and telling your stories. you only aggravate yourself. Let the other person feel important and appreciated. it might be. The more you listen to others. If this sounds fairly one-sided. Try it and see how it works. But the funny thing about building these bridges is they work both ways. brag or whatever they wish. Have faith and patience that the longer these relationships last. In building up conflict instead of offering genuine kindness. Did they have a bad day? Was there a problem at home? The best way to turn a person with a bad attitude around is to be nice. Let the person tell the story. 154 . and someone you are talking to tells you about a game of racquetball they played. at first.Lifemoney Let’s say that you are a very good racquetball player. 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. Some people are just genuinely grumpy or mean – but these people are not the majority. but it’s much harder – not to mention more important – to try and understand why people make the mistakes they make or take the actions they take. Step # 3: Don’t Undermine – Understand It’s easy to criticize. the more they’ll learn by example and start paying you back– by listening to YOU. They’re getting enjoyment out of reliving an experience or sharing an insight.
The next day. and he was a poor Scottish farmer.winstonchurchill. 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.cfm?pageid=102. “I want to repay you.” said the nobleman. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved.org/i4a/pages/index. One day. His name was Fleming.People Think back to a bad day you had recently. 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. mired to his waist in black muck. Maybe you weren’t feeling well.” 155 . screaming and struggling to free himself. was a terrified boy. Then the boss yells at you for being late. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. There. “You saved my son’s life. even though you typically arrive on time. he heard a cry for help coming from a nearby bog. Crazy things happen when you reach out to people and pay some kindnesses forward. Farmer Fleming saved the lad from what could have been a slow and terrifying death. a fancy carriage pulled up to the Scotsman’s sparse surroundings. while trying to make a living for his family. Maybe you got up on the wrong side of the bed. He dropped his tools and ran to the bog. On the way to work you get stuck in traffic due to road construction.
At that moment.Lifemoney “No.” the farmer replied proudly. and went on to become known throughout the world as the noted Sir Alexander Fleming.” And that he did. 156 . His son’s name? Sir Winston Churchill. Let me provide him with the level of education my own son will enjoy. I know it is because I never really made a true attempt to focus on remembering them. I can’t accept payment for what I did. Years afterward. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. the discoverer of penicillin. but I think people can tell when you don’t remember their names. he’ll no doubt grow to be a man we both will be proud of. Mary’s Hospital Medical School in London. What saved his life this time? Penicillin. 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. “Is that your son?” The nobleman asked.” the Scottish farmer replied waving off the offer. and it’s a little bit insulting. in time. the same nobleman’s son who was saved from the bog was stricken with pneumonia. graduated from St. If the lad is anything like his father. 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. The name of the nobleman? Lord Randolph Churchill. This not only looks bad.
the value of the proposed deal. Brian.People I would suggest you develop a system that helps you put greater effort into this huge priority. Where do you work? Is that right? Sounds interesting.” You get the idea. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. “glad Brad. you might think “sad Brad” or if they look happy. Brian. How do you do that? Ever hear the term WIIFM? It’s “What’s In It For Me!” Most likely your best bet in getting help from someone is to show them what they are going to get in return! I think about this all the time when I’m trying to influence people to help me. Let’s talk about that sometime. “Nice to meet you. Again. they will be interested in helping you in exchange.” Another popular technique is to associate their name with something visually unusual. nice meeting you. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. For instance. the intangible benefits of having their name 157 . But if they look like they’re very tired and sad. One idea is to repeat the person’s name out loud a few times during the introduction. 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. Let’s say for example that I need help with financing a business deal that’s important to me. but I will stress what’s in it for them: a great rate of return. If their name is “Brad” and they look like Brad Pitt. These little tricks work amazingly well and are well worth the time it takes to practice them. it’s easy.
a coworker or a friend. too. 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. inferior. energy and commitment – will be that much greater if you provide people with something they want. how 158 . they would have behaved differently. stupid and embarrassed. The winner of an argument in real life is often the loser in the relationship. the fun we can have together as a team. and how can I give it to them?” I am not saying you can’t get help any other way.Lifemoney associated with the project. …you get the idea. I’m always thinking “what do they want. Those few hours spent pounding nails or carrying lumber might turn out to be the best investment you ever make if your friend has some useful tips or suggestions for helping you reach your goals more quickly. 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. whether a free meal. All you will do is make the other person feel bad. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. a case of beer or concert tickets. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. That only happens in courts in front of judges. but the level of intensity – time. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. Remember that getting the support you want depends in part on providing others with what they need. offer to help. If a friend is remodeling a kitchen. when they did help.
do nothing but harm. Speak from a calm center. Don’t speak out of anger. be self-controlled. Keep in mind that everyone is born equal and deserves to be treated that way. Don’t act rashly or lash out. Wait for your opinion to be asked before shoving it at someone. Think about someone in your past that pushed unwanted advice on you. I make a big distinction between arguing and disagreeing. Show. Step # 8: Think Before You Speak In any discussion. Don’t brag. Often. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. Let others mention your accomplishments before you do. aggressive individuals that think they know it all. Relax. people argue because they are hurt. don’t tell. Think your words through. even if it’s negative communication. be it personal or professional. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. particularly defensive and mean ones. 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. Don’t give advice unless it is requested. upset or just want to communicate with someone they care about. Always try to look inward to the core issue.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. 159 . no one is impressed. Disagreements on the other hand can be powerful sources of new information and a chance to grow. Arguments. and even then be careful.
Or you might have helped a coworker with a difficult project. You would be surprised how far all of this will take you in building relationships. 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 .Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. Always say please when asking for something. Don’t cry or whine over any of this. From time to time you may even take the blame for something that isn’t your fault. Some of those mistakes will be at your expense. but we all have problems. It makes a deep and lasting impression that money can’t buy. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. but he never called or wrote to say thanks. Everyone makes mistakes and will disappoint you at some point. Shake hands firmly and introduce yourself when around new people. To get along in this world without becoming an irritating whiner. It’s not that your problems are unimportant. Look people in the eye and give them respect when you speak to them. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. lower your expectations of others and increase them for yourself. but it’s extremely important. 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. This may seem like a small thing. Step # 10: No Whining Allowed No one likes a whiner. Take courtesy even further. but received no sense of appreciation. 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. even after working hours of unpaid overtime.
People off and burn bridges. Also. but this true story illustrates how sensitive some people are to lateness. Even if it is just to arrive to a meeting at a certain time. Step # 11: Your Word is Your Bond Do what you say you are going to do. 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. to a successful person. being late is a sign of disrespect for someone else’s time. especially in business. I had an appointment with someone and I showed up 15 minutes late. Your word means everything. As I mentioned. Would you want someone to take your most valuable asset away from you? I learned this the hard way when I was first starting out in sales. The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. 161 . more opportunities will be sent your way. If you can’t be trusted on one issue. You never know when you might have to go back the way you came and deal with that person again under better circumstances. When people know you are dependable. time is their most valuable asset. I know this is extreme and there are times when being late can’t be avoided. chances are your credibility will be shot for all that you do.
or that costs you plenty when it does get a running start. but you have to put first things first if you ever plan to reach your goals. like fishing or playing cards. because your character is what you really are.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. politely let them that you will get in touch when you have time. It could be a friend who is always cooking up a crazy idea that never gets out of the starting gate. They can be so-called “pals” who don’t believe in you. My uncle once told me that life is like a bus: you get on the bus with thoughts of going somewhere but you always have the opportunity of getting off. They might be an older brother who sets a bad example with his drug use or gang activity. If you don’t like 162 . Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return. put you down or turn you off. Problem people often hide in plain sight. If it’s someone who is really just negative and brings you down. or who tell you to give up because you have more important things to do. while your reputation is merely what others think you are. To get rid of the people who will hold you back. It’s not that you can never enjoy recreational time.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. They may be hardheaded bosses who refuse to think out of the box. You probably already know who some of these “avoidable” people are. don’t be afraid to cut ties totally.
They might be a good friend who listens while you describe the goal you want to reach. as well as your plan for getting there. cling to them. make sure that you’re always riding the right bus for you. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. you must also make room in your life for the motivators. 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. quite literally. if they’re far away. it’s simply a move in a new direction. Either way. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. Find a new bus or another means to get there.People where the bus is going or you changed your mind in the direction you want to take – get off. or they may be a total stranger. Just as you must get rid of the people who will drag you down. They’re a little harder to find. seek them out. A motivator can be anyone who trusts you to follow your dreams. And the more you hunt for them the more they will be attracted to you. It might be a mentor who leads by example or. It’s not quitting if you’re the one doing the choosing. In fact. 163 . the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. Either way you’ll know these motivators because you’ll feel an instant attraction to them. If they’re nearby.
In fact. Lifemoney Currency “One skill you act on is better than 12 that you don’t.” -Brad Turk 164 . What’s the best way to learn them? Choose any one of these and use it today. Associate with positive. Don’t move off to try another one until you’ve seen results with the first one. Then magic happens.Lifemoney Lifemoney Currency “Get around the right people.” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson. 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. keep using it until you don’t think about using it anymore because it’s so natural. goal-oriented people who encourage and inspire you. This is the best way I know of to master this list.
I keep to my word. _____ 10. Lifemoney Currency “Find people to make up for your lack of know-how and. _____ 8. A huge part of receiving is giving. I am learning to be a good listener. I try to stay calm and avoid arguments. I always remember the “what’s in it for me” rule.People Millionaire’s Checklist: Check all the items below that you agree with. I am taking an active interest in people _____ 3. and then tally your score. and I often make efforts to give without expectation of receiving anything _____ 4. I understand the value of tolerance when dealing with difficult people. _____ 7. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 5. _____ 2. I make efforts to express appreciation and good manners to others. _____ 9. I have a good sense of which people to pursue and which to avoid. eventually.” -Brad Turk 165 . I don’t whine. you WILL know-how. _____ 6. although I can politely disagree.
That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction.Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones. you'll start having positive results. This talks about some of the things I’ve found useful in creating a positive mind. a well maintained attitude and a “no excuses” outlook.” -Willie Nelson Overview Someone once said. whether you believe you will or you won’t – you’re probably right. What you believe you’re going to get in life is pretty much what you’re going to get. Where’s Your Head At? Which of these statements sounds most like something you’d say to yourself: I am going to reach my goals and fulfill my dreams! or I am going to try to reach my goals but it’s going to be hard because… 166 .
Positively Thinking Do you believe you can reach your goals. believe that it can happen and know that you have what it takes to make it happen. I figured she would have far fewer worries than other people! In getting to know her. her money. 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. 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. You just have to know that you’re heading in the right direction. and whichever direction you take in your mind will probably dictate your destiny. He was both successful in his field and wealthy. or the fame of her dad but everyone in school wanted to be near her. On the contrary. or do you think that it probably won’t happen for you? This question is like a fork in the road. I was amazed to see how miserable she was. it appeared she had everything that a person could want. I don’t know if it was her beauty. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. The Multi-Millionaire Blues A good example of how attitude. 167 . From the outside looking in. I saw her complaining everyday about what I thought were very trivial things. if you focus on the positive. you create road blocks that stop you from achieving your goals. It appeared that everything annoyed her and she was never happy. When I finally had the chance to meet her personally. happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college. As a general statement positive thinking plays a powerful role in helping us achieve what we set out to do. If you focus on the negative.
Though you have no control over the actions of others. what you attract into your life and your ultimate success.Lifemoney I stayed away from her negativity and did not associate too much with her. 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. You might feel as though you are destined to continue the long line of defeat. and say. “He’s the reason I can’t get ahead” or “If that hadn’t happened I would be rich by now” are just excuses for not taking responsibility for their own lives. 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. Maybe you come from a family with many losers and too few winners. They complain about all the ways in which other people or circumstances are standing in their way. do. 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. I heard a few years later that she had attempted suicide. focus on what you can do. 168 . 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. It’s not what you have but how you perceive things that really counts. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure.
If you grew up wealthy – good. Change the channel and play the role starting now. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. STOP! Forget the excuses! If you grew up poor – good.Positively Thinking Practice turning negatives into positives. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. 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. there is nothing stopping you from becoming all that you dream of becoming.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. You have the resources others don’t have. In America. It starts in your head with your mental remote and plays out in reality. I was able to become wealthy. 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. you better change your mental channel.” Your mind is yours. I want you to understand that you’re holding the remote in your hand to switch to that channel. You dream 169 . If you feel yourself beginning to argue with me. so use it positively. You have even more desire to do better than others may have. Lifemoney Currency “Just can’t live that negative way…make way for the positive day. If you catch yourself repeating the complaints above.
List five failures that caused setbacks in your life. Goal Achievement Exercise T Take out your Workbook. you have a smart plan. but he said that all the intense effort and workouts did not give him the extra edge that he needed. It was the mental focus on all that he did that made him the best in his field. you implement your plan. Failure can be a very positive experience if you dig through it to find a good lesson. Also. Failing does not make you a failure if you let it teach you lessons. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. 170 . write down a lesson you learned from this failure. This attitude and confidence spread and led everyone else to believe the same. and explain how you will avoid one of those failures in the future. and owned the feeling of a champion. Obviously. 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. that had to be coupled with hard work and long hours in the gym. took it on as his personal goal. This is the way you turn negative experiences into a positive ones. He visualized it. and guess what? It’s yours. The mind rules over every part of the body. Arnold Schwarzenegger went into every competition thinking he was the winner.Lifemoney it. you work hard to get it.
Rather they give years of their lives charting a positive course and expecting greatness. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success. They have a mental certainty that what they’re doing will lead them right to where they want to be. but it does happen. Which have you been? Be honest with yourself. It usually doesn’t happen overnight. 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. If you want a piece of the action. a Donald Trump in real estate or a Jay-Z in the studio.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”. Negative people complain about things and positive people fix things. Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 . 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.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. would you handle things differently? If so. Looking back have you been a complainer or a fixer? If you had it to do over. -Thomas Edison Don’t Complain .
and get frustrated. start looking for what you can get. Is stress holding you back? Stress is often closely linked with a negative mental attitude. The same is true about anxiety. Instead of whining about what you don’t have. 172 . and a role model. How do you do that? You’ve heard me say that we cannot always control the events in our lives. Make a mental note not to miss these kinds of opportunities again. Begin using positive thinking to search for new ways to impact your life. Begin positive. get it in positive ways by becoming an encourager. that a former teacher encouraged because you secretly had no confidence in your ability. The solution is to stop complaining and fix your attitude. stay open and be ready to jump into action. did a previous employer offer to pay the tuition for you to return to school. and never feel played out. especially if it was a thought that stopped you. 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. like drawing. These are all signs of a distressed and negative mindset. Why? Negative thinkers typically think that they’re stuck and will be miserable forever.Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. but we can control our responses to them and the actions we take as a result. an inspiration. People are much more likely to admire and support you if you adopt this mindset in your everyday life. If you want people’s attention. Positive thinkers are always focusing on ways to positively impact their world.
When you’ve completed this list. That’s a great first step in positive 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. Lifemoney Currency “Attitude is a little thing that makes a big difference.” -Anonymous Goal Achievement Exercise U Take out your Workbook.” -Winston Churchill 173 . developing new skills. cultivating new relationships (or restoring old ones). or relationship opportunities. anyone can start from now and make a brand new ending. Make a list of opportunities from the past that were missed due to negative thinking.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. Make the list with a new sense of optimism and hopefulness. make a new list of potential opportunities for the future. overcoming a bad habit. These could include lost academic. Include options like going back to school. employment.
broadcaster 174 . Lifemoney Currency “Adversity is another way to measure the greatness of individuals. who minus sight and hearing became a model of inspiration to others. Some famous examples include Beethoven.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. 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. or at least their little piece of it. whose deafness did not stop him from composing classic musical compositions.” -Lou Holtz. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. Positive thinking sets them on a course for achievement. 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. I never had a crisis that didn’t make me stronger. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. Helen Keller.
What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. Don’t be intimidated by life situations like this. Then take on life without apology or embarrassment. Most people don’t remember what even great speakers say! Besides. most people in your audience would rather die than speak.Best Case Try this experiment to create more positive thinking. so you’re already way ahead of them. 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. many of our efforts don’t bring immediate results. who is going to think twice about your errors after they arrive home that night? It would never happen. Think about something that you are afraid to do because you think you might fail. You may submit a proposal and wait months before 175 . And if they did laugh. 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.Positively Thinking Worst Case . 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 what? Who cares? Besides.
those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. 176 . Teach yourself to stay positive even if nothing great appears to be happening and keep it moving anyway if it is helping you reach your goals. This relationship is going nowhere. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. Think of it this way: you’re going to have to spend the day in some way. 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. Everyone faces down times. 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. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. Stay positive by remembering that lesser. The way to get over them is to keep it moving until something positive does happen. Unless you’re prepared to wait. She’s probably like all the others. why not be positive. lack of feedback can lead to negative thinking. Without those first small steps there could be no end result worth noting. It’s time for a change.Lifemoney getting a reply. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. 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.
trying to get into graduate school. it may seem unreachable at first. The key is to quickly counter the negative talk the instant you recognize it. Really look carefully at these statements for a moment. Or maybe the girl has a habit that reminds you of someone you used to date. But that is the time to push the envelope to reach your dream. going back to college at 40. We ought to try a little longer in case this turns out to be something good. I’m going to call her and plan something exciting. 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. Create a Repeatable Success Thought When you set your sights on a distant goal. or climbing to the top of your profession may seem unachievable at first.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. especially if others are telling you it won’t happen. For example. the faster your mind will change into a direction that goes forward. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. 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. 177 . Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so.
the sooner you will believe it. Nothing can block my success. Be specific and limited. Goal Achievement Exercise V Take out your Workbook. I call these “success thoughts. I do not need second helpings. Make your success thought as specific as possible. “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. write down positively phrased replacement terms you can use as success thoughts. I will speak up at today’s meeting. To avoid negative self-talk and track negative thoughts.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. “I’ll stop spending.” (Too short and vague) 178 . The more you say it. I will take my wife to Hawaii next year. and repeat it often. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. Don’t write long sentences or anything that is too short or vague. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1.” (Too long and detailed) 2.” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence.
” (Positive. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. it’s how you view them and what you do about them that matters. When you fall down. “I’ll use just one credit card.” (Positive. After a few weeks. such as. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. Lifemoney Currency “Anything is possible. Instead. but the important thing is to think positive. update the success thought for a related goal. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. specific and helpful) 2. “I’ll pay my balance each month. 179 . Everyone makes mistakes. “I won’t charge more than $50 weekly. but you have to think positive.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. detailed and valuable) Use your imagination to come up with more positive statements like these.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. pre-recorded message that reminds you to stay on track. and you have to fight.
” 180 . Keep focused on what you want. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains. remember that you are responsible for how your life turns out. Don’t let anything keep you from getting it. Think about the things that are positive in your life. Give thanks and be happy! Lifemoney Currency “He who has so little knowledge of human nature as to seek happiness by changing anything but his own disposition will waste his life in fruitless efforts.Lifemoney Don’t let past failures hold you back. Although others may have held you back at one time or another or you may have to seek help to reach your goal.
_____ 7. some view the glass as half full. _____ 1. I refuse to hold on to negativity and past misbehaviors. _____ 6. _____ 10. I am making consistent efforts not to complain. and then tally your score. _____ 2. I will not let others’ pessimism interfere with my plans to reach my goals. _____ 3. I will continue viewing myself as a winner. _____ 9. Lifemoney Currency “Some view the glass as half empty. I am learning to manage personal and job-related stress by positive. giving yourself 10 points for each checkmark and 0 points for any left blank. but rather. I am watching for opportunities to say yes to. proactive thinking. I can see how past accomplishments have prepared me for the future.” -Brad Turk 181 .Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. not a loser. I will act as if I’m in the role I want to play. _____ 8. _____ 4. I repeat success thoughts to myself as often as possible. _____ 5. I keep moving ahead even though I’m not getting immediately rewarded. with the waiter on his way over to fill it up. I view the glass as half full. to fix my situation.
Successful people know that dreams don’t come pre-packaged overnight. I forget all of the things that have broke.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. I had surgery 14 times to pin and plate. When you recognize that sacrifice is frequently a part of success. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. 182 . If we could find a way we’d have it yesterday. We want it now. But I have broken 35 bones. it turns denying yourself into investing in yourself. it just doesn’t come naturally. They say I have broken every bone in my body. I shattered my pelvis. Not true.” -Evel Knievel Overview Few of us do well with sacrifice. We want it all.
you have to make those kinds of sacrifices. would you? 183 .000 in domestic box office sales. Was the sacrifice worth it? You’d need to ask him. It cost him $175.000. It’s a real risky strategy but sometimes when you believe in something strongly enough. But if that was the only way. They lay everything they have on the line. Why? Because they work hard. 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. Since then Spike Lee has produced at least 22 other films that have made over $433.100. This much I can tell you. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying. Ask filmmaker Spike Lee. I will tell you right off the bat that I wouldn’t be. off the ground he did just that. but I can tell you that Spike would probably say yes. 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. Many immigrants come to this country with nothing but the shirt on their backs.000 in sales. Within a generation. saving every penny to open a restaurant. She’s Gotta Have It.big time! Big or small. In 1986. some become millionaires. grateful for the opportunity to have all the work they can handle.Sacrifice Borrow. to get his first film project. rigorous job to get where they want to go. sleeping just a few hours a day. They are simply unwilling to sacrifice anything to get where they want to go. Some work two and three shifts for years at a time. Spike Lee knows that sacrifice can pay off . there are people who were born in this country who complain about the lack of jobs. store or business. sacrifice is often a part of any success story. Yet.
184 . 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.” -Dali Lama Sacrificing for Success Mike Luckovich. 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. Lifemoney Currency “Judge your success by what you had to give up to get it. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. Pulitzer Prize winning political cartoonist. He had to sacrifice his nights and his only free time in order to get where he wanted to go.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. There were no shortcuts to success. at almost any cost. took a job as an insurance salesperson straight out of college. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested.
They are costly and precious.. $100 per month for a gym membership. spent months in prison rather than surrender his belief in equal rights for all people. have. or he might have gotten discouraged and given up. For example. I am committed to helping you get where you want to go.. and I can’t make up your mind for you. He could have taken the easy route to avoid jail time.Sacrifice Martin Luther King. Jr. Below the goal you just wrote. improving the lives of millions of people. Goal Achievement Exercise W Take out your Workbook. etc. List the tradeoffs you are willing to make to reach one of your goals. Choose one of your goals and write it out. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. You have to be willing to do whatever it takes to claim them. if becoming more physically fit is one of your goals. What do you have in your life now that is expendable. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. and/or enjoy that you are willing to part with in exchange for your goal. and giving up your weekly poker game to play tennis. list three things you now do. or is your goal just a casual want? Only you know. your sacrifices could include six hours of your time each week for daily workouts. However. Ideals are not cheap. But he stuck with it. 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. and you will have to be ready to give it when the time comes. 185 . So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return.
Imagine a scenario of two young women. You can view your goals in the same way. One is given everything by rich parents who buy her everything she needs and most things she wants. When you get enough. If you could just reach out and get them today. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. there would be no effort or cost attached—and they would mean very little. Ten years later they both have good jobs – the first in her own company funded by her parents and the second in her own company that she scraped together every penny to start. Whether it costs $20 or $200. But as we’ve seen that’s not always the case. you proudly go out and purchase the gift. when you do reach your goals. But after years of careful thought and unwavering perseverance.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. they will mean the world to you because of what it cost to reach them. 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.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. They’re both chasing the same dream: business success. Which one do you think 186 . you eagerly add a few dollars here and there to save up the needed amount. Success has value because you have to work for it – you earn it. presenting it to your friend or loved one with a sense of tremendous accomplishment.
write a book. 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. Get feedback from those who already have accomplished similar goals. Put less important things on hold. Develop a needed skill through a second job. etc. “anything worth having is worth working for. Find the non-essential time-eaters in my life and eliminate them. That cost is part of the joy of success. In planning for your future.). or taking a class. Period. and sacrifice to reach this goal? Here are some of the possible “costs”: • Give up an hour or more of sleep to work on my plan (get fit. you have already begun to outline some of the goals you hope to reach and have created a plan to get there. 187 . • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. or run into problems. money. Why does she appreciate it more? It’s common sense that when you pour out your own blood. have a question. volunteering. Are you ready to figure out what it will cost in time. at least temporarily. Invest a certain amount of income toward reaching my goal(s). 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.Sacrifice appreciates the success more? You know the answer.” Do you feel that way about your road to success. You’ve probably heard the saying. Seek help when I get stumped.
Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. there will be nothing left. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. It’s a simple fact of life. you will have enough for today and tomorrow. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. The wealthy will have enough from current savings and investment plans. too.” -Sidney Howard Number 2: Delay gratification Sociology experts tell us that one of the differences between the lower class and the upper class is the ability to delay gratification. but less than twenty percent of the population do so. But if you save and invest it. Underachievers live for the day and overachievers live for the future. If you spend all you have. 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.
All of these things take patience. Goal Achievement Exercise X Take out your Workbook. List two or three fun things you want to do today. 189 . Let’s build your ability to delay gratification. or at the end of the month. eat some ice cream. When you have successfully conquered the need for instant gratification. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. play tennis. When you think about it. list something you will get done before you have your fun. every other week. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. For example most of us don’t get paid for our work at the end of each day. List one or two tasks you will have to complete before you get your reward. Instead. In other words we’re doing it anyway. watch your favorite television program. Then underneath each item you expect to give yourself today. which in the end brings it own kind of reward. etc. It might be go for a walk. almost any achievement in the world will become immediately more achievable. This might challenge you and be a little difficult. Do this exercise well and discover how much more you get done and how much better you feel. Make sure that those things on your list are things you really want to do.Sacrifice Delaying gratification is something you get used to. go shopping. Often we don’t find out about a medical test result for several weeks. many areas of our lives undergo postponement. we collect paychecks every week.
We barely have enough time to get through a typical day with the demands of work. this could involve reading. then I can expect halfhearted results. Depending on what you hope to achieve someday.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. I don’t do things half-heartedly. especially if you begin with a reasonable amount. Just do it.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. The same is true for working toward your future goals. pulling the trigger and going for it. So do it. setting aside time for future rewards is like making deposits in a savings account. But actually. the results will come. you can arrange for a direct deposit straight from your paycheck. family. doing 190 . so you will never miss the amount of each savings account deposit. making community contacts. Because I know if I do. and it may seem difficult at first to find enough extra income to make regular deposits. Finding time to work on long-range goals may seem impractical. Many goals that seem hard at first become easier once you get momentum established. say $25 per month. Devote fifteen to thirty minutes several days a week to your goals. Most of us lead busy lives. But with a little effort. You may be reluctant to open a bank account. Start small. But you won’t know that until you pull the trigger and get moving. and social activities.
You put in 191 . Remember that one of the keys to success is to learn everything about the role you want to play. Life is a bit like that. fully aware that not all of it will produce rewards. Whatever your goal. 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. do it.Sacrifice volunteer service. And keep pulling the trigger at each “next” level of achievement you’re taking. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. Whatever it is you must give up. 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. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. His point was. But if you keep pulling the action and sacrifice trigger. from the inside out. Naturally. Everyone has to pay their dues as they work. Sometimes it seems unfair. then you have to keep on doing the whole lot. so pull the trigger now and get your show rolling. Pull the trigger already. For example. that if you can’t tell which half.’ but he didn’t know which half. if you want to get involved in local government. of course. visit with your representative. or volunteer as an aide to learn the ropes. you will be rewarded. this means you’ll have to give up something in exchange for this valuable daily time. keep in mind that you may have to work through several levels of effort to reach them.
but then life isn’t. Lifemoney Currency “I wasn’t going to be one of those people who died wondering what if? I would keep putting my dreams to the test—even though it meant living with uncertainty and fear of failure.or for what -.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure.and which aren’t. Your efforts will be rewarded eventually. It reads: 192 . Well. This is the shadowland of hope.” This quote summarizes a great lesson I’ve learned throughout my successes. and anyone with a dream must learn to live there. and others cruise it. you have to keep doing the 100% because you don’t know which bits will pay off. It’s a simple lesson that has never failed to produce great results for me. I know it isn’t fair.Lifemoney loads of effort and get nothing back. You’re polite to people and everyone seems rude back. You work up a sweat. but you’ll probably never know which efforts are being rewarded -. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. engraved there to inspire the youth of that school. The lesson is that you must continually give 100% effort in the direction of your dreams. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work.
” The emphasis is on the preparation. and if you love where you’re going you can know ahead of time that you have a lot of pleasure ahead waiting on you. In the movie. we have to figure out which ones we want most. the work doesn’t seem like work. Maybe they should. and then force ourselves to work hard for them. one of Ness’s fellow agents. then he dies. and someday my chance may come.Sacrifice “I will study and get ready. At the climax of the movie. an Irish cop played by Sean Connery. But show me someone who has achieved their dream without it. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. but they rarely do. It’s not nearly as bad as you might think. no matter what the cost? That question hangs in the air several times during the movie as all the men do a gut check as to their willingness to take down the feared Capone. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. Nobody wants to hear about effort and work and sweat. Good things don’t just happen to us. What are you prepared to do? 193 . Instead. The good news is that if you’re in love with your dreams and want them so badly you can taste them. One of my favorite movies is The Untouchables. In addition. Those people just don’t exist. asks the scared and unsure Ness “What are you prepared to do?” It was a question of challenge in the face of great fear and intimidation. the whole process of success becomes easier. having been mortally shot. if you build your Lifemoney. Sacrifice is sort of the dirty word of success. Are you prepared to follow this through.
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. But if you keep putting in the effort. 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. sacrifice pays off. Only you can decide what you are willing to give up in reaching your goals. Be prepared to give up more of what you have to get more of what you want. 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. Most do not pay off immediately.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. But don’t dwell on the negative aspects of “what do I have to give up?” Instead. at almost any cost. In the end. and some require harder work than others. 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.” -Wayne Gretzky 194 .
I am prepared for life. I have identified several things in my life that I must sacrifice for success. _____ 5. _____ 8. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 9. _____ 4. I am willing to pay the cost that is required for me to meet my goals. I am willing to set aside less important activities to focus on my goal. I believe that planning for the future is as important as getting by today. _____ 7. _____ 6. _____ 1. _____ 2. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . ____ 10. I am pulling the trigger on my talent today. Some of my goals will require that I hang tough.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. _____ 3. I will put forth 100% effort at all times. I have calculated my goals’ financial costs and scheduling adjustments. I am learning to delay my gratification for both the present and the future. and then tally your score.
It is the ability to let go of the need for immediate gratification. 196 . Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. I mean the ability to sit back and relax while waiting for an outcome.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. By patience. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results. Yet our lessons come from the journey. without experiencing anxiety. J Overview Having patience is a key ingredient to successful living.” -Don Williams. not the destination. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. tension or frustration.
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.Enjoy the journey 2) I will never get to all the things I have to do. Gradual change and growth give you the greatest chances for success. which can be very destructive. which is a powerful force that gets things done. jobs and friendships. from impatience. unhappiness and sometimes even anger. How do I differentiate the two? A sense of urgency is a good and powerful 197 . the results just won’t last long. you run the risk of anxiety. you need to be patient and wait for your results. It’s as if patience is a simple building block of satisfaction. 4) I hate having to do or say something more than once. without which you are going to suffer. relationships and personal growth when you lack patience. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say. There are many negative consequences on health. 3) I can’t stop for even a second until I reach my goal. This is one of my personal flaws that I am working on. When you force efforts.this task has two many steps. 5) If something doesn’t work immediately. I’m going to move on to something else. When you stress yourself to create results too quickly. This can further result in losing important things like business relationships. But I am careful to differentiate urgency. I have to be honest with you: I happen to be a very impatient person. 6) I just don’t know where to start . Once you have done your best to plan your success and have pulled the trigger and put your full effort forward.
and don’t let the things I can’t control stress me out. This is a struggle for me as it might be for you. It’s a quality that helps me act quickly and get an enormous amount done. urgency turns damaging and can lead to senseless and sometimes destructive impatience.Lifemoney tool. Mexico. I can’t control those timeframes. 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. Based on where I was in the process and the faith that I had in my contacts in Mexico. I have an unrealistic expectation of speed. I’d brought on an investor to put up the money for the deal. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. I told 198 . 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. 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’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. If I can’t change or alter a situation. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. I need to clear it from my mind. But when urgency is applied to things I can’t change. If I’m not careful this can create impatience in me. And this is probably true for you too. For example when I take on tasks that are really time consuming (this book for example).
a partner who trusted me enough to put up that $1. I picked up my things and told the company I was meeting with that I would look over their new terms. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . $1. and then I left the meeting. I flew down to Mexico for my big meeting and to sign paperwork. 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. he decided to partner with me and put up the $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. I immediately extended my trip from 2 days to a full week. So there I stood in Mexico.6 million dollars.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.000 that was needed to get this project going. regroup and come up with a game plan. I wanted this deal done. It took all the Lifemoney lessons I talk about in this book to get me through this situation. There was so much I had no control over. 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 noticed that they had changed all of the terms of the deal. and patience was number one.6 million already invested in the equipment needed for this project. When I sat down in my meeting and went over the paperwork that they had prepared. Based on the trust that I had built with the investor on past dealings.600. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. Outraged by what transpired.
I would have never completed this deal that wound up being a very successful project for me. • Reward yourself for completing something difficult. reevaluate your objectives and make your goals more realistic for your needs. 200 . If your goals don’t seem to be on track. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. Why? Because I was patient and focused on controlling what I could control. • Stay busy.Lifemoney had met with. 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. Get preoccupied with another task until you have results from the first. I started making calls and finding out key contacts and setting up appointments. I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. I wound up getting an even better deal than I would have initially. If I did not have the patience to stick this out. Look at the things you have accomplished to date. Focus on the results and not the task. Do something fun and celebrate your incremental success. 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.
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. Chances are you will look 201 . You need to start enjoying a little everyday. 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. 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. Don’t take time for granted and let your life pass you by. I find something to make me realize that it’s not as bad as I think it is. I’ll realize today is beautiful and I should appreciate my health. If you do. You need to live today like it was your last day and plan for tomorrow as if you were living forever. before you know it. We need to count our blessings and enjoy what we do have and make the most of every day. you will wake up and have missed out on what life really has to offer. I open the window or take a walk outside and enjoy it. When I am having a bad day. For example. Who said life has to be hard? It is only tough if you make it tough. Think of all the fun and excitement you will miss if you don’t savor every moment. In 5 years looking back at the issue. The 5 Year Test Another very effective technique I use is the 5 Year Test. 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.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. Here’s a very personal technique I rely on to help me enjoy the daily journey.
In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. Now. list 2 problems that you are presently facing and put them through the 5 year test. List 2 problems that you have had in the past. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. or listening to good music should be enough to keep us going and to get us over daily disappointments. Getting fired from a job? That may be a blessing in disguise. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. spending time with friends or family.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. it probably has no bearing on your life now at all. You will remember that in 5 years. A good meal. that when you look back on. a joke. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. they seem unimportant. Time moves faster than we all want to believe. Don’t let one day pass you by without appreciating something that you may never have or see again. A death in the family is terrible and needs grieving. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. 202 .” Do you remember your first break up? No matter how sad you were at the time. so we need to make the most out of our time.
talking with people. "That’s it. lying there. dancing. After all these months. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. unnoticed things we do all the time. 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.Enjoy the journey In the best-selling book. Morrie." Morrie replies. Don’t overlook the obvious in your quest for the brilliant.how could he find perfection in such an average day?" Then I realized this was the whole point" (p.. at the end of the day what is truly important may be the simple. "It was so simple. In a chapter entitled We Talk About The Perfect Day. 203 . a swim." he is asked. "That’s it. I was actually a little disappointed. author Mitch Albom visited a former professor. And going home and having a wonderful sleep. So average. going out to a restaurant for supper.. Albom asked Morrie a question: "What if you had one day perfectly healthy . a walk in the midst of nature. unable to move a leg or a foot . Tuesdays With Morrie.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea. friends over for lunch.175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals.
Some people complain about going to work when they work in beautiful air conditioned offices. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. 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 a handicapped person who was born with a disability yet despite their struggles are making three times more money than you are because they are working smarter and harder. it won’t feel like work. The people who succeed find reasons why they can do something. In other words. the people who fail find excuses for why they can’t.” -Brad Turk Appreciate what you have and don’t complain and make excuses. there is always someone with less doing more than you. But I do agree that passion helps. I think people are 204 . Don’t make excuses find solutions and make it happen. In the process appreciate what you have and enjoy it.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. better yet. Think about the person who is working outside in the heat. I know successful people who are making it big in things they don’t care about.
be stimulated and enjoy life…. 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. My suggestion is that if you have a good job for which you don’t feel a lot of passion. he locked himself into his attic office and plugged away. But whatever you do. There is a story about a young man who wanted to become a famous writer. 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. Day after day.” At least that’s the way I am. 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.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. then look hard to find something you’re passionate about and consider a career change now. Try to create an external world outside of your business that enables you to have fun. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. You can do that.and create some financial success that can free you. see your job as your vehicle to get you someplace else. In fact. 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. Sometimes the ends do justify the means. writing one manuscript after another and firing them off to the publishers in hopes of being accepted. Then one day he 205 . If you can’t stand doing what you’re doing. He hardly noticed the leaves turning colors outside his small window.
m. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. the man.. Renew your energy. found a publisher’s letter saying that his book would be published. and have moved out. 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. Walking through one room after another. Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. the object is to make your life enjoyable. As he got angry when she did not bring the mail at exactly 2 p. Goal Achievement Exercise Z Take out your Workbook. If you are stiff and focused on a goal and have such blinders on 206 . in checking the mail. now middle-aged. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money.Lifemoney waited for his small daughter to bring up the mail. the man went downstairs and was amazed by the quiet that filled his whole house. Again. Better luck with your novel.” Ironically. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to. But it had cost him far more than he had ever imagined. List 5 things that you are going to do to ensure that you are enjoying your journey through life. The moral of this story is that success by any means doesn’t always “mean” success. Don’t stop yourself from relaxing and recouping. they were all empty of his family and furniture. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break.
you’ve gone a long way to deciding where to spend your free time. Lifemoney Currency “Enjoy life. There’s plenty of time to be dead. I want my rewards as I go along. Patience and Enjoying the Journey Summary Life is funny.” -Anonymous 207 . I don’t want to miss out on life to get my reward someday in the future. You need to have a balance. My motto is work hard. and sometimes the answers you generate for yourself are wrong. play hard.Enjoy the journey that you are letting life pass you by. If you’ve figured out what you’ll miss the most when you leave. because when you’re finally done and outta here. the small everyday things are the things you’re going to miss the most. This much I know: success without enjoying your journey through your days is pretty worthless. you are missing out. Take the time to smell the roses. It goes by both very fast and very slow. As life is moving by at warp speed we ask ourselves over and over again: How can I have the best life possible? It’s not an easy question to answer. and how to really enjoy the ride.
I will break goals into pieces and patiently work on one piece at a time.” -Brad Turk 208 . _____ 6. _____ 7. I will take time to stop and smell the roses. I will not wait until it is too late to enjoy my life. _____ 9. Lifemoney Currency “Live today like it was your last day. _____ 3. I will find something positive out of everyday. I will take a break from time to time to rejuvenate and enjoy my life. I will practice the 5 Year Test I will not stress over things I can’t control. _____ 1. _____ 10. _____ 8. _____ 5. _____ 2. I will have urgency in my work and patience waiting for my results. and plan for tomorrow as if you were living forever. giving yourself 10 points for each checkmark and 0 points for any left blank. I will not take for granted what I already have. I believe my day to day efforts will have an effect in the long run. and then tally your score.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 4.
101 Affirmations 209 .
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