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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....
................................................... .................................................................................................. Inc.............. / MyMusicSite...............................38 Overview............................. Too!..............................................................................................................................................................33 You Are in Control.......................Table of Contents Introduction: Millionaire by 30................................................................................................19 Self Made Records.......................15 This Was Only the Beginning ...................................................................................................47 Get Rid of It! ........................41 Goal Achievement Exercise B .......................................................21 …You Can Do It................23 Lifemoney Lesson # 1: Defining Success........................48 Buy Stock in Yourself ......................................................................................56 v ..............................53 Can You Dunk?......................................6 My Early Years ........................................ Anyway? ........................................................................................... Retired by 35: What Lifemoney Means to Me.................................................52 A Fish Story ............39 Who are you? ...............................................................................18 Heat Wave Tanning.............................................................8 Persistence Pays Off ...................................................................................................................... 6 Overview............................................................................... Not Cash) ... ..........27 Find the “U” in “SUCCESS” .......................................................................................................38 Sometimes It’s Better to Strike Out .....................................................................37 Lifemoney Lesson # 2: Knowing Yourself ..........................................44 What Are Your Limitations?.........28 WHOSE Dream Is It.......................................................................................................39 Don’t Be a Stranger (To Yourself)......................................................................................................................................................................51 Make Less ..............................................................................................................................................................................................................50 Goal Achievement Exercise E ..............................................................................................................................................................................................................................................................................................................31 Goal Achievement Exercise A....................6 If I can do it… ..............................36 Millionaire’s Checklist: ..................................................24 Want to Succeed? Sleep Late!...................................................................................................................................................... Inc...................................................................................................................................................................................32 Win Life’s Lotto (Real Wealth is Measured by Achievement.......................13 Getting Focused...........................................................34 Defining Success Summary ....com .Find More.............................................. 1 My Lifemoney .................................................................................................................................................................................24 Overview.......11 Learning About Business................................9 Looking for Motivation .......46 Goal Achievement Exercise D........................................................................................................................................ Inc...........................17 Global Business Solutions..................................................................................24 Success on Your Terms ...........42 Goal Achievement Exercise C ...10 Knowing Myself..........................................................................................................................................................................................................................................
..................................................... 116 MacGyver It!........................................... 103 Goal Achievement Exercise M ...............................................................................................................81 Overview..................101 Overview..........59 Step Up ...............................................................................................59 A Quick Review .................................................61 Goal Achievement Exercise F ..................... 116 Can’t Get a Job? Buy the Company! .......64 Goal Achievement Exercise H................................................................................................................................................................................................................................................ 118 vi .........................................................................57 Millionaire’s Checklist: ..........................................69 Goal Achievement Exercise J .......................81 A Successful Person’s Tool Belt .......98 Millionaire’s Checklist: ............................................................................................................................................................ 114 Millionaire’s Checklist: ....................................................................63 Goal Achievement Exercise G............................................................................................71 Three Huge Obstacles......................................................K…..................................83 Goal Achievement Exercise K...........116 Overview...........................................................................................................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles...............................................................................................Knowing Yourself Summary ...............................................89 Tool #4: Priorities.....61 Establishing Action Steps ..............................................................67 Nothing Can Stop Me Now…................ 101 Progress Report ....................................................................................................What If You’re Way Off Track?............................66 Goal Achievement Exercise I ..................................................................81 Tool #1: Focus ............................................................................................................................................................................ 101 Don’t forget the map! .................................................................................................................................................................................................... 110 Goal Achievement Exercise N...........70 Goal: To pilot my own airplane ...........................60 Start by Writing a Goal.............................................................................84 Tool #2: Time Management .............................88 Goal Achievement Exercise L .................................................................................................................................... 111 Evaluating Your Progress Summary ............................................................................................................................................................................................... 115 Lifemoney Lesson # 6: Resourcefulness................................................................................................................................................................................................79 Millionaire’s Checklist: ............................................................................................................................................................92 Tool #5: Do or Die Trying Commitment....................................................................63 Timelines ..................................................72 Goal-Setting and Overcoming Obstacles Summary...............................59 Overview.............................................................................................................................................65 Write It Down ...... 105 Maintaining Your Course ....................................................................................................... 107 O............................................................................................................................................................................................................................................................................................................................................................................................ 100 Lifemoney Lesson # 5: Evaluating Your Progress ..................79 Lifemoney Lesson # 4: Gathering the Tools for Success.....................................95 Gathering the Tools for Success Summary..........................................................................................85 Tool #3: Efficiency ......................................................................................................................................
.............................. 189 Sacrifice Summary ......................................................................................................................... 165 Lifemoney Lesson # 9: Positively Thinking ............................................................................................................................... 182 Borrow....................................... 179 Millionaire’s Checklist: ................................. 184 Goal Achievement Exercise W ............................................................................................................................................................................................................................................... 152 12 Steps for Power with People Summary ..........................................................................149 Overview......... 175 Keep It Moving .................................................................................................. 174 Worst Case ................................................................... 133 Goal Achievement Exercise Q...................................................................................................................................... 147 Lifemoney Lesson # 8: 12 Steps for Power with People................................................................................................ 127 Find An Expert ............. 128 Goal Achievement Exercise P ................................................................................................................. 173 The Key to Success? Live Out Of Your Car............................................................................................................................................... 171 Goal Achievement Exercise U...................................Keep Looking ...........................................................................133 Overview..................................................................Best Case............................................................................ 167 Change the Mental Channel........................................................... 170 Don’t Complain .............................................................................................................. 131 Millionaire’s Checklist: .................................................................... 176 Create a Repeatable Success Thought .......... 175 Eliminate Negative Self-Talk...........Fix It ............................................................. Do It! .............................. 177 Goal Achievement Exercise V........ 135 Goal Achievement Exercise R ...................... 122 There’s No Need To Grow Up..............................You’ll Find It ........................................................................................................... 132 Lifemoney Lesson # 7: Creativity .......................................................................................................................................................... 181 Lifemoney Lesson # 10: Sacrifice ................................. 149 Sharpen Your People Skills .... 178 Positively Thinking Summary ................. Go into Debt and Max Out Your Credit Cards ...................................... 164 Millionaire’s Checklist: .......................................................... 166 The Multi-Millionaire Blues . 166 Where’s Your Head At? ................................................................................ 149 Goal Achievement Exercise S ........................................................................................................................................................ 130 Resourcefulness Summary......................... 169 Goal Achievement Exercise T .................................................182 Overview.................................................................................................................................... 137 Five Creativity Factors ............................................................................................................................ 137 Millionaire’s Checklist: ..................................................................... 183 Sacrificing for Success ... 151 Turk’s 12-Step Plan for Bridge Building................................................................................... 185 Goal Achievement Exercise X........................................................... 133 A Lesson From Trump ...................................................................................................................................................................................................................................................................................................................... 125 Goal Achievement Exercise O..................................................... See It...........................................................................................................................................................................................................................................166 Overview..................... 194 Millionaire’s Checklist: .................... 195 vii ............ 135 Dream It...............................................
............................................................ 206 Patience and Enjoying the Journey Summary........................................... 201 The 5 Year Test ........................................... 200 Enjoy the Journey..................................................................................................................................... 202 GOAL (Go Out And Live).............. 198 So what should you do to be more patient? .............. 204 Goal Achievement Exercise Z ................................................. 196 Doing Time .. 207 Millionaire’s Checklist: ................................................................................................................................. 202 Seek Happiness in Simplicity ................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey .................... 201 Goal Achievement Exercise Y......................................................................................................................................................................................................................... 196 Mañana ............................................................................................................................................ 208 viii ............................................................................................................................................................................................196 Overview.............................................
Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire.Introduction: Millionaire by 30. new entrepreneurs perfectly – but can be adopted at any age. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how. Money is simply a tool to help you get what you want out of life. it’s at what income. Lifemoney will show you what you really need to live the life you want. Lifemoney will help you understand what success really means and teach you how to attain it. 1 . not money. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young.” -George Foreman Life comes first.
000 in quarterly bonuses. part financial management. yet most people don’t use the correct tools to get what they want. It could be $240 a week or $240. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy.400. Imagine having the task of hammering a nail.One of the most unique features of Lifemoney is that it’s entirely personal. Part self-help. If it’s career happiness you’re looking for. But how much easier would it be using a hammer? Lifemoney is a hammer: it teaches you how to realize your goals and become a happier person by using the right tool for the right job. a new home. part how-to. In this book. Lifemoney begs the universal question: What do I really want? Is it money? Happiness? Health? Self-worth? Or a life where money is merely a tool and not the measuring stick by which we rank ourselves against one another? When it comes to Lifemoney. it’s the dollar figure you define. be it a million dollars. Would you use your shoe? Would it work? Possibly. it’s not the job that I feel is prestigious that matters. a new job or just a raise or promotion in your current job. if it’s money that you’re after. For example. it’s not the dollar figure I define as Lifemoney that’s important. it’s the job that makes you happy on a daily basis or brings you closer to your goals.000 a year or $2. we’ve finally got our priorities straight: We go after what we really want! You don’t have to be a celebrity – or even a millionaire – to feel successful and enjoy an intense and satisfying feeling of self-worth and accomplishment. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 .
If you learn these lessons – and actually follow them – you can and will succeed. etc. used them for my own personal success. It offers a set of tools. But more importantly.most of whom happen to be multimillionaires. there are common qualities. and want to share them with you. So who is Brad Turk and why am I qualified to write a book about life or money. I have been fortunate enough to learn that most successful people share a lot of the same attributes. Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . Through my interactions with many successful and famous people (some recording artists. I have distilled those attributes. My schedule and time belong to me and I do what I want with my days. along with real-life examples you can use to plot your course for success. Instead of concentrating solely on the financial aspects of making your first million. not just financial. Whether you are looking to be the next pop star or the perfect housewife. some executives. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire.).My Lifemoney WANT. My definition of success is simple: Accomplishing what you set out to do. This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life. I am living the life that I want to live. The exercises in the book 3 . characteristics and personality traits that you will need to get you there. Lifemoney will give you a blueprint for success in all facets of life. This book will show you what those characteristics are. let alone both? I was a millionaire before the age of 30 and retired soon after.
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. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. In this book. 4 . 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.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. While reading Lifemoney you will become familiar with these attributes. 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.
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. 5 . I have created a list (that I use) of affirmations that you can also download for FREE at www.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. there is more to life than money but you just can’t live in this world without money.com.bradturk. Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs. What’s the answer? Lifemoney. 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. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. Everyone needs some kind of stimulation and/or support to keep their spirits alive.bradturk. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement. list and track your progress. 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.com (Code: naNtZB). This checklist will help you quickly see if you are developing the skills that were discussed in that lesson. Clearly. These proven tools are specifically designed to help you plot.
” -Brad Turk Overview I want to take just a few pages to introduce myself. actor.Lifemoney My Lifemoney “It’s never too early…to make your first million. entertainment field and having a 6 . business owner and entrepreneur. Over the course of my very short professional life I’ve achieved the American dream: I’m young. salesman. If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. I achieved personal and financial success through various ventures in the telecommunications industry. Through experiences as diverse as being a break dancer. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself. rich and retired. I’ve found the American dream and retired early.
boat and everything you’ll need for a life of accomplishment and success.My Lifemoney retail tanning salon.com arena or hit the lottery. Not all of these successes share the exact same 7 . and if you’re willing to be my student for just a short time I can show you how. whether it was through direct interaction with a mentor or learning from other sources. 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. All the successful people I discuss throughout this book including Warren Buffett. Instead. It’s not that hard really. Give someone a fish and they eat for a day. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. teach them how to fish and they eat for the rest of their lives. That’s what Lifemoney is all about. I am going to share just a little bit of my personal history first because I know myself that to trust someone I need to know a bit more about their background – what has formed them into the person they have become. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success. Diddy and even myself have been “taught how to fish” at some point in their lives. It is often hard for us to look at a Russell Simmons or a Donald Trump and think we could ever attain that level of success. Think of the old story about giving someone a fish or teaching them how to fish. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. I did not strike it rich in the dot. adapting the rules of success to your personal situation. Consider these lessons to be the fishing rod. These lessons can be learned by anyone. You’ll never need to go hungry again.
She kept right on plugging away with her 3 jobs. rapping and acting. By the time I was in fifth grade.Lifemoney attributes. That’s where I first learned about work ethic. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. I learned these lessons by reading books of successful people and from my peers. new neighbors. 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. best of all. I relate this in the hopes that you too can see similar possibilities for learning in your life and understand that you can acquire the tools that are needed to be successful. but they usually have a lot of similarities. My Early Years I began life in the Pomonok public housing projects in Flushing. I won’t be insulted. New York. (Oh. 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. It was a much nicer neighborhood. When I got to junior high. my mom and I had moved to Forest Hills. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . Mom didn’t let it stop her. In addition. 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. new opportunities. and she was a tremendous teacher. There were new surroundings. I got heavily into break dancing. and by the way. New York. and no money. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. though. You can always come back to me later). new friends and.
I followed directions exactly and sent my headshot along with a resume to one hundred agents. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. Persistence Pays Off To make it in the acting field you need an agent. To follow my dream I had to overcome several obstacles. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. Actually. I decided not to sit around and wait for something to happen. as you can imagine. Frustrated by the lack of response. as well as how to contact them. I sent the package out to the same agents two times but didn’t get one response either time. a renowned child talent group. Since my working mom didn’t get home until late I would go alone by train. In fact. which listed talent agents.My Lifemoney industry. For starters. Most emphasized the boldface message “not to be called or visited. a huge child actor of the time 9 . dealing with people. and I began going into the city (New York) for auditions to try breaking into the business. the only way to contact agents was to send query letters with photos and resumes. I’ve always been a hustler.” The do-not-call rule was strongly enforced. I bought a reference book called The Ross Report. not easy. not succumb to them. But the first rule of success I learned was to work around your obstacles. Finding an agent to represent my efforts was. This is when I first began to learn about the value of persistence. They represented such actors as Emanuel (Webster) Luis. The first agency I visited was Schuller Talent. and thinking outside the box.
I thought that she was listening to what was going on. I turned to leave. I might not be where I am today. and when I did show up I didn’t pay much attention.Lifemoney and Danny Pintauro. I often skipped classes. As a result. Looking for Motivation Unfortunately. I didn’t do very well in high school. I returned the following week.” the agent in charge of the group that I wanted to join. After thanking the secretary. But taking the initiative. who was extremely nice and reassured me she would get my packet into the right hands. Had I continued to wait for calls that never came. I set out to get answers to my questions. going out near the door where the other woman had been listening. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. Not surprisingly. She must have seen something about me she liked – I think it must have been my persistence – and she asked me to come back and audition for her. I told her I just wanted to make sure it got into the correct person’s hands. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. I barely 10 . Hanging out with my friends and social activities seemed more important. From the corner of my eye I noticed a woman standing in the doorway. I continued my conversation with the secretary. She followed me out and introduced herself as “Davina. and found the success I was seeking. the child actor from television’s Who’s the Boss? Walking through the agency’s door I met a pleasant secretary and introduced myself. and signed with Schuller for representation. auditioned.
But he and my mother told me that they would only support me if I did well the first semester. After getting in. It was a great lesson: Not all of success is flashy and easy. The following semester I got a 3. and was eventually inducted into the Phi Eta Sigma national honor society. With this pressure from my parents.My Lifemoney made it through. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals.88 grade point that term. I earned a 3. If I was going to “screw up” like I did in high school. For these reasons. 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. And. Although you can make a good income from acting. I had a hard time getting into college. I applied for a double major in business and theater and. the odds are severely stacked against huge financial success. I learned early on that being a struggling actor was not for me. I was looking to make a lot of money and enjoy nice things. I got accepted. I changed my habits and learned how to be a student. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. they didn’t want to pay for it. The only thing to be decided was how I would get where I wanted to go. Knowing Myself In time I would become a very successful entrepreneur. they explained. 11 . I decided I didn’t want to end up stuck with no way out.92. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. Through hard work. using my acting resume. I realized that my next job was staying in.
I asked him if he was going to order anything else. the music industry does not often accept unsolicited 12 . for lunch one day. But.Lifemoney I remember meeting a good friend of mine. When he only ordered soup. So I took a different route and it has paid off for me. I still had some entertaining left in my system. That could have happened for me but I knew in my heart it wasn’t MY reality. as with acting. the sacrifice has paid off. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. Today he’s a successful actor who can go anywhere and order anything he wants. I wanted more of a sure thing than acting. As with my junior high acting days. But his limited income made it clear to me that this was something I did not want to do. “It’s cheap and it fills me up. When it came to making money. I could see the moment in that restaurant as a turning point. I knew myself and knew movie stardom wasn’t the right route at that time. He answered. I sent out many demos to try and get people interested. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. a struggling actor. Looking back.” I bought his lunch that day. I spent the last years of high school and beginning years of college working toward that goal. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. But before I fully ventured into business. It was a real education. From my break dancing and rapping days I had always kicked around the idea of being in the hip-hop industry as a rap artist. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. For him.
In this world you have to take opportunity where it comes if it will help you achieve your goals. I also tried to learn the business side of the industry. even for free. In fact. even when you’re going against the grain. I sent in my tape. Learning About Business In addition to finding some measure of success in the entertainment side of music. A key lesson I learned was that if you want to understand an industry. I entered the Pepsi Rap Up the Summer Contest. I knew 13 .My Lifemoney material. This was pre-Eminem and not too many white people even listened to rap. a lawsuit can result. Although no longer in existence they were one of the premiere labels at the time.7 Kiss FM in New York. I kept working toward my goal of becoming a rap artist and trying to learn the business. It was validation that hard work could pay off. let alone were successful at it. co-sponsored by 98. I got a job as an intern (for no pay) working for PolyGram Records. My goal was to get noticed and possibly get someone interested in working with me. This is exactly how you build Lifemoney. 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. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. I recognized the value of this attribute and stored it away for later. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. you need to work in it. If the artist believes a later recording is similar to his or her music. In 1991. Although I didn’t win the contest.
my targets would be curious enough to open it rather than throwing it away. mixers. BMG.and the men and women behind the talent the producers. learn it from the ground up.” along with my demo tape. agents and managers. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . The following year I released “That’s Evil Man” on ZOO Entertainment. Door after door was being closed to me. picked me up and got me signed to BMG for distribution. feel free to import ideas from wherever you can find them. And always be resourceful. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. 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.the talent . For example.” I once sent a sneaker in a box to a record label with the note. It’s important to understand what you are getting into before you are knee deep. It was one of my earliest stabs at being resourceful. if you want to someday own a bar you should work at a few for a while to learn the business.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. It paid off. a recording label. You might find it’s not what you expected it to be. If you want to learn a business. But it’s all valuable. 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. If you want to work in politics. “I just want to get my foot in the door. Basement Records. There are more important things than money in this world. both the stars . I figured if I sent a package. For example my rap name was “Sneak. and access is one of them. The access I got taught me lessons I could have never learned anywhere else. volunteer for a campaign or move to DC.
But like 15 . actualizing my goals and watching them come to life. It didn’t stop there. full of rich stars and power players. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences. I needed the sense of security that comes with a regular income and the knowledge that I would be able to pay the bills and live a comfortable lifestyle. for more reasons than just getting airplay. That’s a hard truth to see from the outside. It is a difficult business to really make money. 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. But the truth is making money is hit or miss and is more often just smoke and mirrors. I was concerned that I might not make the money I was looking to make – and I thought I might be able to make it easier somewhere else. The music business seems glamorous. In 1994. but in reality there are very few people that make it big – and make the big money. which I did. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet.” Next Plateau. While I enjoyed working in the music industry. Getting Focused Looking back on it now I can see all the stair steps that were being put into place for my ascent to success in telecommunications and various other ventures. I was finally seeing a dream come true. Money provides those things. It was pretty exciting to walk into a record store and see my CD for sale and have friends call telling me they were hearing it played on the radio. PolyGram Records. You see – I already understood that making money was a priority for me – an important goal. It was an exciting time. Eventually it went to number 27.
And guess what? I started making more money working part-time than at my day job. I saw that real estate was more suited to my personal goals at the time. The branch owner wanted to train me to sell life insurance. I understood the insurance office management job completely. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. How did I do that? I started selling real estate at night. and could not fully understand or relate to getting life insurance for protection for other family members. After leaving college. I could make even more money. I decided to take my hustling a step further. I decided to 16 . I decided to make business decisions that would bring me closer to where I wanted to be. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. but it was apparent that I was a tremendous asset. I did not have a wife or family. I went so far as to get licensed to sell life insurance. For one thing. 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. 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. Unfortunately. In addition. I was interested in sales. I did not find that product to be a perfect fit for me or my personality. I figured if I spent more time on my part-time real estate job. the branch focused on selling long-term care and retirement planning. Not to sound conceited. I took over a job for a friend as an office manager for a life insurance company. so I pursued this opportunity.Lifemoney most young people I didn’t understand what was going on. Becoming successful. Also.
You never know what people are willing to do – or what you can accomplish – until you try. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. Best of all. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly. I was doing well enough and was confident enough in real estate to do it full-time and get rid of my “day job. This would permit me to have two more days to sell real estate. the one you’re probably most interested in. He reluctantly agreed on a test basis. For example. I also promised him that the quality of the work would not change. But my education was just beginning.My Lifemoney leverage all that. my gamble worked! Eventually. I made sure I did everything efficiently and wasted no time at all.” It was a risk to leave the security of a full-time job. making my own way and even started knowing myself and where my real talents and desires 17 . instead of just quitting I told him I could do the work in one day that I had been doing in three. I began to learn about the importance of defining success for myself. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life. When I went to my boss to resign. I guess the company trusted me enough to give it a shot. You never know if someone will say yes or no to a question until you ask the question. 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. at the same pay. and there was a lot more to learn. and I went from initially working five days a week to just one day per week.
I was not an overnight success story. like actual cash. 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. resourcefulness and creativity. sacrifice and patience. At MCI. 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. they bought it from someone else and still sold it as theirs. and I didn’t hit it big with the lottery.Lifemoney were. Inc. I used them to create many business successes. Especially patience! It was a lot for a young person like me to absorb. But I still had to learn about setting goals. I was already bringing in a six-figure salary and at the end of my third year there I earned $387. Rather using the attributes I list for you in this book I became successful in project after project and business after business. Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. I became one of the top salespeople in the nation. It was basically a mini-version of one of the larger telecom corporations.086. evaluating my progress. dealing with people – especially difficult people. but the skills that were created in me were worth more than cash. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). Global Business Solutions. I’d learned that when the big companies couldn’t supply a product.07. 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. 18 .
and seeing niches before everyone else. it’s harder to tell which came first. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. I eventually contracted with many providers. One of these areas was in the pre-paid calling card business. I let the customers guide my business. remain loyal and protect them as much as possible. allowing me to sell anything the big boys sold – and better – because I was smaller. When you’re always on the lookout for something new. If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. and to always be so reliable that I would always be the “go to” guy in the future. you or the opportunity. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. Heat Wave Tanning. 19 . Inc. lower to the ground and closer to the customer’s ear.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. I saw what the needs were and I fulfilled them. the customers would want you to do everything for them. Sometimes you go searching for new opportunities and other times opportunities find you. I understood that customers loved a one-stop shop.
The tanning business though was more hands-on. Besides. So I kept the business for two years. which was a huge plus for me. and might one day do again. After more research (and imagining that operating that type of business would be fun). It was like having a puppy at home: you never felt comfortable being far away for very long. Better yet the business seemed as if it could run itself. A telecom business like GBS was more “virtual” than brick and mortar. managing ten employees. But I felt I was ready for that. It is definitely a great business that I would highly recommend. maintaining equipment. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. and managing customer issues just didn’t do it for me. I could manage most of it via remote control. The tanning business was a big change for me. and Heat Wave Tanning was really a great business and a great opportunity in my life. and I decided that I didn’t want that kind of responsibility. made my money and then I sold it.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. It was exciting. It turns out that people just were going in there to catch a tan. Change is good. and prepares us for the future. I researched the business and found out that it was a very low maintenance business and pretty profitable. That is true. I decided to open my own tanning salon. grows us. I saw a line outside of the place and was wondering what they were giving away. 20 . building the place from scratch. But I was discovering that retail businesses require a lot of time and attention. I told myself: it stretches us. This was a different venture from my previous forays in the world of small business.
I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. although I brag about being retired. I am doing what I love. I signed some artists to my label and I am currently marketing and promoting them. Inc.com Sometimes success comes full circle. That makes me happier than I can possibly describe to you. 2007. with little to no risk and helping others all at the same time. / MyMusicSite. I am now in the process of coding and developing mymusicsite.My Lifemoney Self Made Records. Inc. Later I was a college graduate looking to intern for a major hip-hop record label. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. It was a lot of work but it has been gratifying beyond words. 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. in reality I’m busier than ever. no limits and 21 . set to launch in the fourth quarter. looking to blend business with pleasure.com. I am sometimes surprised by all that I have accomplished in such a short time. For Self Made Records. and My Music Site. Now I was a successful entrepreneur. And what’s best is that I can afford to be patient. Self Made Records. Inc. but on my terms. friends and family while providing a marketing platform for them to make their dreams come true. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. In 2007. And I love it! Why? Because I’m sailing my own ship with no boss. I have been launching companies left and right. I will make independent artist’s music easily available to their fans.com are both my hobby and business. But I can afford to do this because I love it.
I will be selling and promoting online music downloads and cell phone ringtones for independent artists. In addition to being its creator. I am also providing a marketing platform for these artists who want to make their dreams come true. I will 22 . I also came up with a business idea that I am looking to launch (or sell the patent) in the near future.tellbrad. satellite television. We will make independent artist’s music easily available to their fans. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. and business services. I am also in development on another site called MyMusicSite.com).mymusicsite.com (www.com (www. break dancing on street corners and hustling for business opportunities. This is a free website that gives the consumer a voice and enables them to be heard (rant/rave/leave video complaints) to both other consumers and the companies they speak of. These services will be available to groups as well as individuals that need a place to work between meetings or just to kill some time. In addition. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee. In addition to that business. The business is called Meeting ExpressO (www. Lastly. specialty beverages. and snack items.meetingexpresso.com). friends and family. phone. 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. I just launched TellBrad. Meeting ExpressO will provide full access to conference rooms which include internet.
)” -Brad Turk You can do it too! 23 . Lifemoney provides you with the tools you’ll need to reach your own unique potential. Instead of sitting around thinking about what you want. I’ll tell you how you can do it too! While my story is different from yours and from that of other people. Work on the activities. when they mature. I have found the common denominator for success. Learn who you are and what you want. Keep score of your successes and failures. sell it on the corner. Stayed tuned and look for my name in the credits! …You Can Do It.My Lifemoney also receive co executive credit and be involved with development of the project. That’s why I’ve written this book. Now. Lifemoney Currency “When life hands you lemons… make lemonade. Too! I began this lesson by declaring “If I can do it…” without finishing the statement. adapt the principles described in each of the upcoming lessons. I will show you how to understand and learn a unique set of attributes you need to become successful. invest your profits and. And go for it! No excuses. go by some oranges! (Orange juice outsells lemonade by 10 to 1.
John.Lifemoney Lifemoney Lesson # 1: Defining Success “You have to arrive at your own definition of success if you ever hope to enjoy success on your own terms” -Brad Turk Overview It’s not possible to attain success without first defining it. My first friend. two very different types of success stories. pure and simple. some might consider him rich 24 . Still.and though totally different from one another they illustrate what I mean by defining your own success. is in no danger of cracking it anytime soon. as far as I know. Success is never a game of chance and begins with clearly deciding what you are going to make happen. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. In this lesson I want to show you the importance of deciding for yourself what success means to you. has never cracked the seven figure mark and. These are the stories of two friends of mine – John and Steve .
Steve. All of my other friends make fun of him. He is truly happy with how his life turned out. He told me that every night that he goes to bed. He told me he was still living with his parents because he liked living with them. he just took it as a joke. He needs nothing else to fulfill his dreams. John. John’s parents also enjoyed him being there. who on the surface would probably look extremely successful to outsiders looking in. It didn’t bother him what everyone was saying about him. several sports cars and a very 25 . he is successful. 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. I have to confess that I kind of agreed with them. Then one day we were talking and John really opened my mind to something. While talking about the future. he also said he was happy with his job.push your idea of success on anyone. John told me that he was really happy with his life. From a professional perspective. he has a big smile on his face. I have another friend. has no ambition and is going nowhere. just as important. lives with his parents. knows what success means to him. To me.and shouldn’t . You can’t . And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. he helped them out a lot and felt that his support was needed around the house. He made enough money to live on his own if he wanted to. he found his own success and it works for him. They think that he is not responsible.Defining Success beyond compare because he knows himself and. He did it his way. He has a beautiful boat. Most days he didn’t have to go into work early and he got to sleep late. who is over 30 years old.
he is in a world of hurt. I remember one weekend he invited me to go to the track with him to “play” with his cars. The truth is that Steve lives way beyond his means. These men are both successes. Being that I know this friend well. Steve thrives on the adrenaline of living on the edge. Some people thrive in that kind of stressful environment. Does this sound like success to you? It might. He is always stressed and always in fear of losing something. Why? Because they both hit their mark. Most everything is owned by the bank and it seems every time I talk to him. I also know more details about his life than someone seeing him jet by on the track or some of his “not as close friends” spending a weekend with him on his boat. Have you decided what your mark is? 26 . not from without. just so he can try to keep up with payments so that he does not default on anything. He also has to work harder than anyone I know. you have completed Lifemoney Lesson # 1. My definition of success comes from within. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. Once you define what you want and know what will make you happy. This is success for him. He is actually so far in debt that he does not really own anything he has. The weekend that he canceled our trip to the track was because he had to sell one of his cars to make his mortgage payment. He is always making maneuvers to try and maintain his possessions.Lifemoney nice house. he canceled the invite because he was actually selling one of the cars. Before the weekend came.
Like fingerprints. Why do they do this? They bounce around because they’re not prepared to 27 . Although some people get lucky in attaining success. In order to chase success on your terms you need to define what success means to you and be clear about what will make you happy. we all want more out of life. Success means different things to different people. most successful people (whether consciously or not) have a system. If we don’t define success for ourselves.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. For the most part. When you define success and what it really means to YOU. We have no control over our path and our lives can become haphazard. There’s simply no future in succeeding for anyone other than you. It becomes yours. we are on a journey without a map. you’ve taken the first step to taking your life back. most people are still on their quest for success. No matter your net worth or social standing we want to do more. Success takes personal planning and some work. you own it. They start up home improvement projects and don’t finish. They go from idea to idea. But becoming – and staying – successful can be tricky. our definition of success will be individual and unique. When you define success for yourself. strategy or plan they stick to in order to reach their ultimate goals. They subscribe to magazines they never read. With the exception of my friend John who I just mentioned. fad to fad not really knowing what they want and drifting with the flow. They buy gym memberships and never use it. trend to trend. I think this is important because I see so many people who spend their lives wandering. get more and be more. What works for some doesn’t work for others and what works for me might not work for you.
“The first principle of success is desire – knowing what you want. author of Riches Within Your Reach: The Law of the Higher Potential once wrote. and those are the only things I really care about it. look past that next job promotion or future company you plan to build. They live undefined lives. As Robert Collier.” Plant your own personal seed for success and watch it grow.” . Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. See beyond money and its trappings. You should live your own life and live up to your own expectations. By starting your journey with a firm grasp of your meaning for success. you will be fully able to reap all the benefits that await you.Lifemoney take full action. What is it you really want? What.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now. for you. Desire is the planting of your seed. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily. 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. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way.
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. but successful people have taken the time to really think about their definition of success.500 over 48 years ago. She has spent her whole life making sure her grades were in order to some day get into a good medical school. Let’s take. She’s successful! 29 . He is doing what makes him happy. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars).” It works for the second richest man in the world. billionaire Warren Buffet. yacht or even a boat. What would make you happy? We all define success differently. a 22-year-old student who has just received her acceptance letter into the medical school of her choice. This is a man who could do anything and have anything and is content to sit home and watch a ball game. She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams. for example. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. He has lived in the same house that he purchased for $31. With all of Buffet’s billions he has always led a simple life. He does not really have any extravagant items like a fancy race car.Defining Success “All I want is to have people around who love me. She sacrificed many nights of going out with her friends and having fun in order to spend more time studying.
The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. Then there is the couple that. they have not missed out on anything they’ve wanted. He’s been a total success. father. his self-esteem and confidence increase beyond measure. have resulted in two stable children with above-average grades and well-adjusted social skills. along with nutritional meals and emotional support. Living off just the husband’s income has not been easy. upon marrying. 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 . Sounds like success to me.Lifemoney A 39-year-old business executive runs his first marathon. Each of these people has achieved success. they have been able to stash enough away to enjoy an early retirement and see the world. and employee – or future CEO – because of this personal accomplishment. agreed the wife should give up her job when the children came along to provide a stable home life for all. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. Months of preparation and training pay off for this guy’s single-minded determination. While his finishing time does not win any medals. Although he and his wife share a modest home. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. That man is a happier husband. While avoiding expenses like costly entertainment or expensive vacations. I call that success on their terms.
leave the world a better place. It really isn’t what you have or who you are that makes you happy or unhappy. 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. That’s why. Over time. in Lifemoney Lesson #2. you’ll be finding out why it is so important to Know Yourself. you might become bitter or resentful. you can begin to set goals on the road to success. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. While it’s a good idea to talk to your family and others who may be impacted (say. love what you do. So once you have an understanding of what will truly make you happy. what they all really want is personal happiness. As you see in this example. It is how you view your situation that makes all the difference. If your parents are pushing you to become a lawyer. but you don’t really want to.Jeff Mallett 31 . Even though everyone usually has a different idea of what success means to them. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. So let’s figure out how you define success. Lifemoney Currency “Do what you love.Defining Success WHOSE Dream Is It.” . That’s why it is important to understand your priorities clearly. you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. I believe the common denominator in true success is happiness. it is possible to be a successful lawyer without feeling like a successful person.
bradturk. etc. 32 . Explain.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. the hallmarks of success—money. in your opinion. or download a copy of the Workbook with all the exercises from my website – www. but more importantly. set a timer for five minutes. so make it handy and easy to access. open a document on your computer. and edit if necessary to make them readable and clear. read over your ideas. asking yourself questions like these. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. skills. time. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. Then start writing about your views on success. I am going to ask you to open this document on a regular basis throughout this book. You can use a three-ring binder. Once you have this in place. 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.com. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you.
Having come from a “no money” background. after declaring bankruptcy. William “Bud” Post won $16. Money in itself does not equal success. But you just did. She lives in a trailer and recounts that. If you were handed everything you wanted without working for it.” 33 . We all do. Welcome aboard a new life. I know many people with little or no money. won the New Jersey lottery twice. It was totally a nightmare. you might find you are still unhappy. I’d be so happy” or “Everything in my life could be fixed with some cash. in 1985 and 1986. something of a statistical freak. Ask the following people.” Her hand was out.4 million. Everybody had their hand out. What does she have to show for it now? Zippo. It’s amazing how some people perceive money as the answer to all their problems.2 million in the Pennsylvania lottery. at gambling venues. now lives on Social Security and food stamps: “I wish it never happened. they’ll tell you: • Evelyn Adams. Most people just never make the move to define what they want and where they’re going.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. Her total take was $5. “Everybody wanted my money. Not Cash) Congratulations! You’ve taken a huge step.” These beliefs about money are all wrong. • In 1988. “If I only had money. too. Says the man who. Completing this exercise brings up a point I think worth exploring.
And satisfaction is more than being content. she had filed for bankruptcy and had just $700 in the bank. not a financial figure. I know you’re probably saying “Yeaaa. they’re about satisfaction. There is no amount of money in the world that can recreate that feeling of accomplishment. That’s why Lifemoney is an internal feeling.the fruits of someone else’s labors . that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily. and the ultimate triumph of accomplishing a mission. And accomplishing your dreams – your success on your own is very important. You Are in Control Success belongs to those who are clear about what it means to them. It seems to be a rule of life that if you have good things handed to you . She shared her wealth with many charitable organizations. Goals are not just about achievement. Here are several keys to keep in mind: 34 . it’s that amazing feeling you get after finishing a job well done. but before a decade had passed. To enjoy success you need to earn it. Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future. That is true success – at least by my definition. the challenge. and without effort are not actually participating in the creation of their own personal happiness.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993.you miss the excitement. 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.
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. Now all you have to do is take another step. but they do not own your ideas or lay claim to your dreams. but your dreams are out there. Anything worth doing is worth doing well. it’s also worth doing despite the odds of failure and cost of success. even if the voyage looks choppy. And remember that it’s important to enjoy this journey so keep an eye on the finish line. you willingly give your power away. it resides in you. waiting for you to come and claim them. It may take months. that would be incredible. but don’t forget to enjoy the sites along the way. together – because you made a conscious choice to pick up a book called Lifemoney. You’ve already taken the first step. Success is not a game of chance. and another. Stop looking outside yourself or to others to explain your failures. until the value of moving is higher than the cost of those inevitable obstacles. 3. sure. and that might not have been easy. Most likely it will be bumpy. or it could take decades.Defining Success 1. Others have influence over you and affect you. When you lay blame or make excuses. Chart a course for paradise. Don’t put your trust in success just showing up. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. The power to change is your own. 35 . You are here – we are here. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. Publisher’s Clearing House might stop by your house with that big check and.
your old friends from school. there will always be a nagging feeling that something is missing. Lifemoney Lesson #2. on YOUR terms for YOU to be truly happy. success must mean something to you if you are ever to truly achieve it. Lifemoney Currency “Your time is limited. trust me. It will become clearer the more you focus and keep your mind open. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. If you let others define success for you. If you do it out of ego or pride or greed.” -Steve Jobs 36 .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. Success must happen YOUR way. That’s totally normal. Let’s go there right now. so don’t waste it living someone else’s life. you’ll always regret not doing it for yourself. All right. Don’t feel bad at all if you’re still a little unclear about what success should mean for you. Whoever you’re trying to keep up with – the Joneses. something WILL be missing. If you do it for the money. your neighbors – forget it.
I spend time learning what it will take to be successful in what I love. I am in control. _____ 10. Lifemoney Currency “If you live for someone else. I am winning life’s lottery. I will look beyond money to find happiness. I will always seek to lead my own life. _____ 2. The expectations that matter most are mine. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. My life is mine and I’m excited to develop it on my terms. I will decide for myself what occupation excites me.” -Brad Turk 37 . _____ 8. I hope they enjoy it because you probably won’t. _____ 6. I am seeking my own personal growth and happiness. _____ 9. and then tally your score. I will define success for myself.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. _____ 5. _____ 3. _____ 4. _____ 7.
Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. you will build on the first lesson of this book. “Defining Success. It’s a journey that may veer off in a thousand different directions before finally coming to fruition. great moves. 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. but it always starts with YOU. In my mind.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success. I expect to make great plays.” by exploring who you were to determine who you are and clarify who you want to become. 38 .
Maybe you’re carrying around a little extra baggage as a high school dropout. because he knew he had the ability to be a GREAT batter. This is valuable advice for many of us. a basketball pro. a student. unsure or even unwilling to concentrate on what we might be great at? Often the difference between being good and being great is making adjustments that allow you to spend more of your time developing your greatest strengths. a company executive. Who are you? Who are you? That probably depends on who you ask. Just think how sports history might have been rewritten if the he had stuck to what he did well instead of focusing on where he could really excel. but not without a period of introspection first. not a popularity contest. someone’s parent. right? You might be a wife or husband. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. He took a lot of heat for his decision because he was a GOOD pitcher. they don’t define you. How many of us hover around the comfort zone of what we’re good at. son. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. But all of these titles – husband. banker – merely describe you. or a musical genius. At the end of the day we must look in the mirror and face up to who we really are if we ever hope to become the person we know we can be – the person we want to be. But life success is a self-test. father. 39 . Before you know where you’re going. one of baseball’s legendary home run hitters. a computer whiz. lawyer. you need to know who you are.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. He stuck with the decision. unemployed worker. a son or daughter. or two-time divorcee.
have kids. and maybe not even worth the effort after all. looking back. Instead. Life has a way of sidetracking us from our goals to deal with day to day living. instead of building the future you always wanted and. when you take a moment to catch your breath and see where you are. more importantly. you can still find the path to your personal success if you’re willing to look for it. Whoever you are. Maybe he or she is a little older. 40 . The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. If you are just starting off on your voyage to success and don’t know where to begin. but ready to gear up for the adventure that lies ahead. But now. Or maybe you were hoping to get married. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. and live happily ever after. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. day to day. 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. and hopefully a little wiser. start here. whatever you’ve done. you got sidetracked into making a living and getting by.Lifemoney It seems like such a simple question: Who are you? But try to answer it and you’ll find the answer is not so easy. wherever you’ve been. the goals appear too distant to reach anymore. Then. knew you were capable of attaining. you find that those dreams never materialized. let me help you rediscover that person again.
The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. Why? Because he was finally keeping up with himself. Twelve months later he was happier than ever. His patients and his workers loved him and he was loaded.” -Brendan Fraser 41 . If you don’t know what will make you happy. normally peaceful man now felt like hunting the driver down and ripping his head off! Then it hit him: keeping up with the Joneses was killing him. He was a very successful physician with five private sports clinics. restructured his organization. how can you ever hope to achieve. less really was more. successful. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. In his case. Lifemoney Currency “I’m starting to judge success by the time I have for myself. (Either that. but he was slowly driving himself insane. This nice. What is success if you don’t know who you are inside. and over the next year phased out four of his five clinics. they’re shifting. literally. the time I spend with family and friends. not the Joneses. or maybe just busy work.Knowing Yourself Don’t Be a Stranger (To Yourself) The “know who you are” focus of this lesson might seem like a speed bump on your journey to success. It is not. My priorities aren’t amending. or someone else was going to wind up dead!) He drove straight to his accountant’s office. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off.
” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. Make a list of your top four or five achievements. or personal achievements. and/or specific steps you took while completing these accomplishments. define a recent accomplishment by personal attributes: 1. certificates. list your personality or character strengths. “I made a wise career move by getting a better job. these might include honors. Even if you didn’t consciously use these qualities back then. In looking back on your past. Under each. For example. recognition. reflect on the things that worked in your favor. • • • • • “I earned a college degree. 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.” 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 .
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. you will get a better idea of who you really are down deep. while others could relate more to mental functions.” and “selective” came up in one form or another with each of the three achievements. 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. Look for patterns forming. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. and so on. some may be more physically oriented. like academic work.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. like sports competitions.Knowing Yourself 3.” “thorough. 43 . Let’s say for instance that when comparing the events above words like “organization. You’ll begin to see how that person might emerge in the next stage of life.
Or you may be the employee that handles confidential matters at your company because the boss trusts you most. which shows up in words like “endurance” and “commitment” and “perseverance. Write down the characteristics that you’ve often heard people mention to or about you. but in the renewal of spirit.Lifemoney The world is full of born-again success stories. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. Maybe your mom has always said you are hard working. So take this time to remember or remind yourself of what you want out of life. You’ve just done an assessment of the qualities you see in yourself and that you find positive. not in a religious way. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors. enthusiasm. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages. passion and effort. You could be someone who inspires others when they go through hard times. And maybe your list reveals a part of you that loves physical activities and accomplishments. If you do. Your list could look something like this: 44 . That means laying the mental framework now for the physical action you will be taking later. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. you are on your way to getting there.” Maybe you’ll get back that desire you once had to open a gym or start a summer camp or start taking at-risk youth groups on cross-country hikes. I would like you to make a list of the qualities others have noticed in you. Aiming your thinking correctly requires more Workbook exercises at the start.
Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. Regardless of how you look at it. we’re playing a game. It’s our job. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. Lifemoney Currency “You gotta have fun. It’s business. You need to keep this in mind as you plan your goals and how you will reach them. This makes it that much easier to achieve your goals.” -Derek Jeter 45 . you’ll probably find that you are drawn to things you think are fun. but I don’t think you can do well unless you’re having fun. Since most of us do a better job with activities we enjoy. Now you have an even better idea of how to play to your strengths as you set up goals for the future. Things that are fun for us are those that match with the ability to use these character traits.
I have a saying: denial does not change reality. right? I do. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good. you can get into some real trouble. You put things off. Everyone has weaknesses. I got the materials (or information) late.Lifemoney What Are Your Limitations? Let’s be honest. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . You do. As soon as you say. working around it or improving it. It’s part of being human. But if you don’t admit to those limitations. But all the while. and then do a half-hearted job when you get around to them. and moving on. “I don’t have any major flaws. I didn’t know what I was supposed to do. The machinery isn’t working right. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. you will never be able to deal with the issues that are holding you back from success. As long as you keep fooling yourself. Everyone has flaws! But successful people understand the value of admitting to a weakness.” you’re finished. My mom’s cat died and I had to bury it. Maybe you have a lazy streak (sometimes I do).
Now write down a few of your weak areas. what good is all that positive self-talk? 47 . You also can add things about your character that could benefit from improvement. But if you’re late to the interview. Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. These could include personality drawbacks. write a brief description of an incident where this particular quality had a negative impact: • • • Overbearing—offended a good friend of mine Sloppy—embarrassed my girlfriend at her company picnic Late—arrived late for an interview and didn’t get the job As you begin to link certain behaviors to unwanted outcomes. even deciding how to invest the extra money you’ll be making. like being able to say “no” when you don’t want to do something. like shyness or arrogance. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. or not taking shortcuts on a project. you can have the best intentions in the world when interviewing for a new job. For instance.
Bill Gates. Don’t blame the weather for being late.” Instead. Take stock of their weaknesses and work hard to improve them 2. is useless if you don’t act upon it. and their efforts paid off. that’s just me being me.Lifemoney Successful people don’t write off damaging personal traits as “oh well. for their triumphs. Eat breakfast on the way and tie your tie in the parking lot. for their strengths 3. There are so many things you can do. Don’t blame the product for being inferior. 48 . for their inactions. Of course. You may want to start working on these weaknesses one at a time until you start seeing better results. 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. it’s easy to throw in yet another excuse about finding the time to make these changes. And action means work. They did what it took to climb the mountain of their success. get rid of it. for their weaknesses. especially self knowledge. the minute you start passing the buck. they blame themselves 4. and Russell Simmons didn’t earn their millions by making excuses. they blame themselves In other words. they blame themselves 5. Derek Jeter. they: 1. Knowledge. don’t write it off as a cute character flaw. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. for their actions. But remember that people like Donald Trump. so take action. Don’t blame the economy for low profits. for their failures. Always assume personal accountability.
On the other hand. you can find a path—or blaze a trail—that will lead to your personal happiness.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. Then be fearless about taking it. then choose something that includes some type of numbers work like accounting or investments. What matters is that you freely explore any path you wish until you find the one you are destined to travel. Another example was a short lived photo search engine called Riya. If you’re good with numbers. They treat everything they try as an experiment. 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. They decided to view “failures” as information sources for building new things.” but it didn’t work. Whatever your interests and skills. 49 . the lessons learned provided the originators with priceless information which allowed them to create Like. if you like words and books choose a different road to your success such as writing or communications. Many people have failed at that. Using mistakes as useful information is the way many large companies are innovating. they viewed the results as useful information. Though it was a full blown failure. For example. But within weeks they discovered that their great inventions were totally useless. one of the most successful photo search engines on the web. Maybe you’ve already tried success “your way. Or then again you might end up on the exact same path your grandfather took a century ago. Or it didn’t last. then do the work it takes to eliminate weaknesses and build on your strengths. So rather than dubbing the whole project a failure. Maybe you’ll take a route that no one in your family or neighborhood has tried before.com. Google created an early version of Google toolbar with all kinds of great features.
Theme parks with the Disney name are located in the U. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories. “It all started with a mouse. I’ve been trusted to take the game’s winning shot and missed. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. But they know enough about themselves to know what makes them passionate and hungry.S.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. Many successes start right where you are: not knowing themselves very well and beyond broke. Starting with a little mouse. It’s easy 50 . Morgan was to finance.” Just think of that for a second. a publishing house. Walter Elias Disney. I’ve failed over and over and over again in my life. and they don’t let lack of money or support stop them. Disney founded a $20-billion media conglomerate that includes a TV network.P. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. I’ve lost almost 300 games. and a worldwide store chain. France.” -Michael Jordan Buy Stock in Yourself Do you think successful people are born knowing themselves? Or maybe they had money to make money? Neither one is true.. As Walt himself recalls. Consider one the top 50 business influencers of the 20th century. And that is why I succeed. and Japan. Disney was to fantasy what J. an Internet operation. Twenty-six times. a film studio.
finding a life partner. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish. but what if it’s never been done before? That’s the dilemma Walt faced. Stay centered on who you are and the goals you want to achieve. never tell yourself that you can’t do something because it’s never been done before. or building financial security. failure and distraction along the way. landing your dream job. never let the world tell you that you can’t do something just because it’s never been done before. Now. such as getting in great physical shape.Knowing Yourself to imagine success when it’s already been done before. as well as any new talents you may choose to develop along the way. So let me ask you again. Remind yourself of the unique skills you bring to the process. Through rejection and derision. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. 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. Walt Disney held firm to what he knew. Goal Achievement Exercise E Take out your Workbook. Under each thought you write. it will help you understand if you are looking for success in the wrong places by objectively 51 . list the qualities that you think you would need to achieve them. He stuck to his singular vision of himself and is now revered as nothing short of a genius. One. Two. This is done for two reasons. The reason for this exercise is to begin the process matching your abilities to some of the things you want. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about. But more importantly.
knowing yourself and being true to yourself makes you successful. Make Less . it might not be what you expected. screaming fans. As an example.Lifemoney highlighting what’s required for success. adoring women. Knowing Yourself. Here was a guy who seemingly had it all – loads of money. the Hollywood Dream – and he left it all behind to risk his life and fight fires. be careful what you wish for. down cold. you must understand why you feel a million dollars will equate to happiness. making a million dollars doesn’t necessarily mean you will be happy. because when you get it. For example. and comparing those qualities with what you deeply desire to develop within yourself.Find More As you learned in Lifemoney Lesson #1. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. 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. Understand that fortune and fame doesn’t equate to success. What remains important is that you feel successful at every step of 52 . Why? Turns out he had Lifemoney Lesson # 2. because he knew he couldn’t be happy doing anything else. In other words. if you want to make a million dollars. Know yourself and double check your motivations for success. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second.
or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership. not a destination. The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water. 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. like “I’ll be happy when I make my first million. the executive was impressed with Fisherman Joe’s skill and 53 . and that most of his day was spent with his wife and children. See how that works? If you say “I’ll be happy when…. They recognize that success is a journey. The next day. the two men took the boat out on the seas. detours. So many of us set conditions for our happiness. obstacles and roadside attractions along the way is taking away from true success. and enjoy.” you’re in the conditional happiness trap. but that he only went out to fish a few hours each day. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide. While waiting for the fish to bite. today. and that to skip the rest stops. Fisherman Joe told the executive that it would be a pleasure. Although success is a worthwhile goal. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii. Ask yourself this: What happens until then? Truly successful people make peace with. where they are right now. While there. The businessman had no problem going out for just a few hours while his own wife visited the spa.Knowing Yourself the process.
“How do you get so many in so short a time?” the businessman asked. Working day and night was more than he had expected. “How would you like to go into business with me. But Joe was now worn out. He spoke to his partner. teaching other guys how to fish?” He went on to explain that he would put all the capital up front to get the business going if Fisherman Joe would add his expertise. who had reached his goals. asking if he could cash out his shares and return to Hawaii. “I sell most of ‘em. and remove himself from the enjoyable part of his business—fishing—he did it anyway. would aid his partner’s goal of taking their company public.” Joe replied. Soon business was booming. “After so many years. The two men moved the business headquarters to Los Angeles. and did not really enjoy what he was doing. I know their habits.A. After a slight hesitation. truly amazed. The business life was not satisfying. Joe agreed. for the man seemed unusually humble.Lifemoney ability to find the best spots to reel in a terrific catch for the day.” The shrewd executive knew a good thing when he saw it. After five grueling years. had no problem and 54 . and then working a fleet.A. “and take home what’s leftover for dinner. Although Joe was reluctant to leave his comfortable home and family while working in L. they finally went public. Joe knew that being in L. Just a couple of hours a day supplies all my needs. Joe shrugged. Finally. The prosperous businessman. Fisherman Joe went from working full-time on his boat to getting three boats. as though he was unaware of the value of his skills.” “What do you do with them all?” the business man asked. Joe decided he could not take this life anymore.
the entire experience had been a detour from Joe’s own sense of success.A. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success.” The moral of the story isn’t that we should not try hard or set high goals. This journey was quite productive. “From fishing a few hours a day to a multi millionaire. “I’ll get a small fishing boat. Both of them found success in completely opposite directions! 55 . a popular magazine interviewed him.” Joe replied thoughtfully. his journey brought him right back to square one. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. it is. Before Joe left. The interviewer was amazed by Joe’s journey and the story behind his success. and then I am going to spend the rest of my time with my family. But Joe found it a waste of five good years of his life. what are you going to do?” Joe replied that. It’s that you should know what you want out of life. “Yes.” the interviewer commented. Two very different men viewed the exact same experience in two very different ways. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. but he ventured away from it for more money.. and many might have found it fulfilling. that’s quite a journey. In the end. He already knew what success looked like to him. so I can fish a few hours a day. 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.Knowing Yourself wished Fisherman Joe well.
-Brad Turk 56 . but won many dunking contests – despite being nearly a foot shorter than most of his competitors. being true to yourself and finding your happiness makes you successful. Is that a realistic goal for you? It was for Spud Webb. and effort to reach something that is much harder to attain. just understand the obstacles that you are going to face. But he is the exception to the rule.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. Certain occupations will be a better fit for you than others. These assessments are available all over the internet or by looking in the Yellow Pages. unchallenging and even difficult. Lifemoney Currency Understand that fortune and fame don’t equate to success. Aptitude tests can provide some insight into your talents and abilities. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. Sometimes it will take that much more work. Do you have that drive? If so. If you don’t know where your talents lie or still don’t know what you feel you would be good at. take an aptitude test. They can measure your characteristics and ability to acquire additional skills. you may find your work unrewarding. A local community college may also offer these assessments free of charge. go for it. Assessment testing can also help find your natural strengths. who not only played professionally. time. and if you work in a field that doesn’t match your natural abilities. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. No one knows better than you where you feel confident versus where you feel unsure of yourself.
Knowing Yourself Summary
We focused this lesson on discovering who you are and who you want to become. Answering these questions lays the groundwork for success. If the groundwork isn’t solid, the whole house will crumble. Remember that anything you set your mind to, you can achieve. The only limitations you have to achieving your goals are the ones you set for yourself. Use your understanding of your strengths and weaknesses to achieve your goals and you will achieve excellence. The best part is that when you know who you are, you’ll achieve it on your own terms.
“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
Nobody. Once they decide on that goal. His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. That’s because he had more daydreams than plans.or the opinions of others . would make you a happier person. Goal Achievement Exercise F Take out your Workbook. For instance: • Goal: Starting up a home-based travel agency 61 . It is the first step of turning the thought of doing something into the reality of achieving something. For this exercise. obstacles became simply inconveniences to be overcome. Mr. when accomplished. It’s time to write some goals right now. 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). Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal. make a list of your top 3 goals that.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.to side track their journey. Now let me tell you about another hip-hop artist you’ll probably never hear about. For two full days this artist could not come up with the resources for even a $2 token to get there. Start by Writing a Goal Goals form the cornerstone of any new beginning and are the first of several steps you’ll need to get where you’re going. And they don’t allow $2 tokens . Kanye West vs.
or better than you. or read a book and you’ll see hundreds . They happen every day. get started! 62 . Dreams are real and they do come true if you follow this path. they simply learned these lessons a little sooner and applied them a little earlier. that’s natural. it’s often hard to see them as real. listen to the radio. Now is your time.even thousands of people who have applied action and planning to make their dreams real. Just watch television. The problem with dreams is that we’ve dreamt them for so long.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. Relax. Those people are not smarter. stronger.
) iii. 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. 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. Find out construction costs for renovation ii. Schedule exam • Build out basement to accommodate office i. What bridges that gap? Action steps. Let’s set up an action plan for your goals right now. Prepare for exam iv. timeframes. Order a separate phone line from the telephone company iv. Below each. Goal Achievement Exercise G Take out your Workbook. Understand the testing process (where given. We all know that goals just don’t happen. An action plan is just a series of steps you plan out ahead of time to take systematic action. Research classes that offer test preparation for agent exam ii. Start looking into office furniture and equipment iii. Clear space for new furniture 63 . break the list down into three or four action steps you would need to take in order to reach that objective. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. etc.
So not only do they spend a lot of time managing their time. Let’s say you want to own your house debt free within ten years. Successful people know that there are few assets as valuable as time. but they also add urgency to their goals by making themselves accountable to deadlines.Lifemoney • Raise and save enough money for expenses and salary cushion i. deadlines slip sometimes and you have to readjust your schedule. Sure. Start putting away money weekly toward travel agency iv. objectives and action steps. 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. Now you’ve written goals and some action steps that lead to the goals. When you sit down to make your plan and you see that both of your children will enter college within the next ten years and your spouse is going to need significant surgery in the next year you may 64 . Figure out a budget of what the business will cost ii. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. but without a schedule to start with you’ll never know if you’re slipping.
and that gets your heart rate back within normal ranges and allows you to actually sleep at night. Schedule changes or circumstances may require adjusting a date now and then. but the timeline isn’t given the circumstances. Go back to the list of goals. Successful people set goals and objectives. give yourself six months. jot down a date for reaching them. This is an easy step to take. they identify action steps. For instance if you want to start your own bakery. 65 . If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. not written in stone. You must schedule your goals. Beside each of the objectives and action steps. but it’s also easy not to take. you should set reasonable deadlines and do everything you can to meet them. rushing into it is more dangerous than not starting it at all. You’ll need to adjust. be VERY realistic about your timeline. and action steps. and then they set times and dates when things will be completed. many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress.Overcoming Obstacles realize that this goal does not have a reasonable timeline. The goal is still reasonable. With a large goal like opening a new business. Goal Achievement Exercise H Take out your Workbook. they are guides. Unfortunately. As a result. Let’s actually do it now. If you need a year. Timelines do not mean deadlines. give yourself a year. many people leave this step out and things just never get done. objectives. but for the most part. objectives and action steps.
I told him. The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline. Never underestimate the influence of actually seeing your goals written out and in front of you every day. After he said he was going to take care of one of the items that I did not want to do. “I’m waiting for you to write that last item down. Written words are also great for organization and focus. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. I actually had a business partner who is one of the smartest. I stopped and paused. you might have to adjust your action steps or your due-dates to make them more reasonable. His solution was to write everything down.Lifemoney If you keep on falling behind and have to reset your dates. most talented and gifted people I know.” 66 . He probably had the one of the worst memories I have ever seen. Write It Down Words are priceless. About 30 seconds of silence went by and he asked me why I became quiet. Like most successful people. I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. I learned early on a major flaw that he had that amazed me. he knew how to compensate for his flaw and it practically never affected his work or his success. 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).
committed. and anxiety producing things out of the way when you have more time. For goal setting you will need to prioritize tasks. You should get the boring. over time. tasks first. you may be able to do more things in a day. measurable. realistic. Every day you should be aware of all your goals and the steps needed to attain them. you may need to break down the week by hours to make sure you are managing your time properly at first. “To do” list which you will reference daily. but you will make progress and. Here are a few tips for using your daily “To Do” list: 1. Do the important. 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.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. 67 . set deadlines. and plan specific. Keep it in the notebook you have been using or in a calendar program that you can keep handy. reserve a block of time to do what needs to get done. and visualized steps. You may not get everything you had planned done in a given day. Depending on how organized you are. annoying. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. even if unpleasant. moving you closer to achieving your goal.
Carry a pocket-sized list with you at all times. Although I suggest technology. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up. -Brad Turk 68 . I don’t recommend this method. do what works for you. I know I could come up with a more efficient method. Learn how to use technology. I will do things like leaving a basketball by my front door. It’s just something I want to get around to doing more often. I want to start playing more basketball. It is not in the way. but it works. I do this. Computer programs and electronic organizers can save you a lot of time over manual lists. 4. Obviously. I have a main list at home and a daily list that I take with me. For example. even I know it is kind of strange – but it works for me. but it is visible and reminds me daily to get out and play. With computer programs and organizers you can adjust lists quickly and neatly.Lifemoney 2. use them! Lifemoney Currency It’s true – if you fail to plan. and I am happy with it. but it is not really a priority that I want highlighted on my daily to do list. you plan to fail. your PDA or phone alarm as a reminder. We need to take luck out of the equation. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. 3. So if you need post its.
now is the time to knock them down forever. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. with fewer expenses. These companies were offering rates that were about half the price of what we sold. The MCI philosophy was “we’re selling on value. Most of their larger customers simply wouldn’t take a chance with a smaller. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face. I found that MCI was one of the highest-priced long distance service providers on the market at that time. Successful people use their Lifemoney skills to look at obstacles as opportunities. not stumbling blocks in their path.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. But MCI was not concerned with this. 69 . and you must be mentally prepared to deal with them. it is extremely difficult to sell value at two times the cost for the same product. because it mostly affected the smaller customers. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. Adversity and obstacles will come up along the way whenever you start setting goals. There were a lot of smaller companies. not price. My problem was that I was the one handling those smaller customers. taking market share away from MCI and AT&T. Mental and physical preparation is essential to finishing any journey. newer provider. They step up and success is their reward. Whatever obstacles have been preventing you from starting your journey.” Unfortunately.
Luckily. list possible or proven obstacles or fears that may be keeping you from reaching your goal. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . With firm goals and objectives in mind from Exercise F. but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. The turnover rate for my position that year was 95%. That meant that for every 100 reps starting at MCI. This was the beginning of a booming market. Describe one of your main goals in a sentence or two. I was fortunate enough to look where others were not and I weathered the storm by linking to a product that was starting to turn hot: prepaid phone cards. I started looking for other products to sell even though long distance was supposed to be our main focus. Be honest and write every obstacle and fear you can think of. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. Then come up with the solution/objective and an action plan. Lifemoney Currency “If you don’t like what’s on TV. 95 left or got fired. let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face.Lifemoney I quickly scrambled to find a solution. Below that.
Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. • I can’t afford a plane. but they are action heroes. 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. shapes. • I don’t have a plane. start a savings account with regular deposits. 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. People just like you and I. Each part of this process should be specific. so that you will 71 . find an online interest group. These obstacles come in all sizes. focused. save money for classes. Objective: Find out about buying a used plane Action plan: Find out about bank loans. Objective: Take Flying Lessons Action Plan: Research Classes. and manageable. etc. So is flying an airplane impossible? Of course not! People fly planes every day. Objective: Research planes and prices Action Plan: Go online and research planes. etc. clear. they add action to their goals and steps and turn dreams into reality. So how do they do it? They are not superhuman. and colors for different people. It’s like your teachers used to say in school: “You’re only cheating yourself”. so you will need to spend some time figuring out the possible or probable barriers to your goals.
your real goal at first may seem almost impossible to reach. we learn from our success and failures to meet the next obstacle with even greater results. Number 1: Procrastination 72 . or even when we face them with not-so-successful results. Lifemoney Currency “They say if everything’s going your way.Lifemoney end up where you want to be. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. That’s because life is supposed to be a challenge. and manage your way to achieving your goals. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1. you’re probably going the wrong way. All of these steps we have completed so far help you get focused. 2. making excuses. They say if everything’s going your way. When we face challenges and overcome them. you’re probably going the wrong way. procrastination. allowing failure to be an option. the goal suddenly seems reachable. stay clear. Let’s examine each of these and ways you can beat them every time. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles. As with this goal of flying. and 3.” -Brad Turk Three Huge Obstacles In my life as a successful businessman. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation.
Remember how in school some kids put more effort into making excuses for not doing homework than in completing assignments (I know because I was one of them)? That’s what happens after graduation.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination. 73 . and some of us are experts at it. We say things like: “I’m too busy. procrastination is one of the worst enemies of success.” “I’m too tired.” “The kids need me right now. It’s easy to put off making a plan for starting the journey to your goals. All the time that is wasted procrastinating is not putting us closer to reaching our goals. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments. To me. too. or avoid taking action steps once the plan is made.” “I’m over-committed already.” “My husband says it won’t work.” “I don’t have the help I need.” “My wife’s nagging won’t let me think. By procrastinating I mean putting off or delaying an action or task to a later time or date. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4).” “I don’t know where to start.” “It costs too much.” The list goes on and on.” “I can’t find a minute to myself.
Example: If you’re not feeling well and you are supposed to do cardio and weight training. Example: You are on the way to the gym and your buddy calls you to go out somewhere. Don’t think about the whole thing. places (the mall). Don’t think to reschedule it for a better time. Just do it! Example: When it’s time to go to the gym. • Avoid people or things that will take you away from what needs to be done. some willing to work. Maybe a part that interests you most. You tell T 74 . do “a part” of the task. be they people (your lazy cousin Eddie). go. You’ll feel better after you do. We all know time-suckers.Lifemoney Lifemoney Currency “The world is full of willing people. Even pick one of your favorite exercises to start. • Do a part of the task. or things (Xbox/housework/chores). you might be feeling up to doing the cardio. just go and focus on doing the weight training.” -Robert Frost h i nk about that quote. Maybe after that is done and your body is in motion. Or don’t think about not feeling that well at the moment. the rest willing to let them. Just get up and go. 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. Instead of doing the dreaded cardio.
Sometimes we just need a little outside perspective from a family member. colleague or friend. get a friend involved or find someone at the gym who keeps the same workout schedule. fold it up in their wallet. which explains why a significant number will fail or relapse when the going gets tough. he’ll be waiting for you when you’re done. think of how you are going to look at the beach. and spend every waking minute realizing their goal. don’t think of the exercises that you need to do. You can hire a trainer. I’ve seen people literally write down “make a million dollars this year” on an index card. While this may be extreme.Overcoming Obstacles him you can’t but he is persistent. Yet most of us grab onto great ideas for self-improvement without much thought. • Focus on the results. • Find a partner. • Write down why you’re avoiding the task. not the task. All successful people meet their obstacles 75 . For instance. find a workout partner. You need to be firm and stick to your plans and continue on to go to the gym. visualize the result you’re after. 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. If he’s a real friend. Example: If you need outside motivation. Example: If you don’t feel motivated to go to the gym and you dread having to go. Many successful people consciously visualize a result before beginning a task. not the steps it takes to get there. If failure is always an option then success may never be within reach for you. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken.
you may never know. Much like the boxer in his now famous movie. star and creator to see his project come to life. He persevered until. he found a movie studio willing to buy both his script and his portrayal of the main character. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. Stallone refused to fail. How far are you willing to go for success? If you concede failure before you even begin. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed. 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 . 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. 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. at last. Sylvester Stallone went through huge trials and tribulations as a writer.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them.
Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights.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. For example. Life circumstances and 77 . But it is never too late to achieve your desires. Emotionally speaking you may be thinking it’s too late for you to change. This becomes a lifestyle challenge that you must address. Being a doctor has been her desire since she was a child. At the age of forty. 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. 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.
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. when you make an excuse for not doing something. working overtime to prove your usefulness. Your action steps might include dressing the part of the higher position. But guess what? Excuses are worthless! There is never a need to make an excuse. Lifemoney Currency If failure is always an option for you then success may never be. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. be definite and defined about the action you will take and when you will take it. Rather than making excuses. Number 3: Making Excuses Excuses are very powerful. Start with one goal at a time. Your elaborate reasons will not impress anyone. -Brad Turk 78 . the thing you were suppose to do did not get done. and approaching your supervisor at just the right time to maximize your chances for success. Excuses are probably one of the biggest obstacles that keep you from achieving your goals. maybe even a small one. The bottom line is. like earning more money by asking for a promotion. they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do.
action steps. Being prepared to face them is a huge factor in overcoming them when you meet them. 79 . Let me repeat: NEVER FORGET to anticipate that obstacles will come up. That means creating a written plan for reaching a specific goal. I have a good idea of my action steps to reach each goal. We need to do everything in our power to make them happen. and then tally your score. I am ready to create goals. Whatever you do. timelines and an idea of some of the obstacles you’ll face. _____ 2. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. objectives. remember that when this process is complete you are ready to step on the gas and head on toward your destiny. We need to do everything in our power to make them happen. Lifemoney Currency: Good things don’t just happen by themselves. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. The plan should list the goal.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves.
_____ 7. _____ 4. ______5. I have plans to fully and completely address all roadblocks to my success. _____ 10. I am ready to adopt the mindset of someone who will be successful. Just not where you want to go. I am ready to stay committed to my written plan and see it through with daily reminders. I am looking to see how technology can make my life easier. I have created a timeline for my action steps that appears to be reasonable.Lifemoney ___ 3. I have thought about some of the obstacles I may face. No excuses: I will not let myself off the hook. _____ 8. _____ 9. _____ 6.” -Brad Turk 80 . I plan to tackle the more difficult things on my “To do” list first. Lifemoney Currency “Excuses will get you everywhere.
“Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. The five tools are focus. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned. time management. you’re right. efficiency.' it would have made me actually look and feel ridiculous. Yeah. awesome. good point." Overview Success requires the right tools.” 81 . well done. inventing the wheel. and laying the foundation for all mankind. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. Learn to use these five with skill and you’ll achieve whatever you can dream. My favorite is the one where a television anchorman says to the caveman. like walking upright. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. discovering fire. 'Good job. priorities and commitment.
Technology is just a tool. There was a time when people had to be told how to use a telephone. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make. Though different tools may suit different people best. 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.stoves. you need to select and develop the tools that will help you achieve your goals. successful people use many of the same mental tools – and use them well. nearly everything in our world is a tool. Now that you’ve made up your mind to go after your dreams. cars or computers .our tools surround us. Whatever the task requires . Here are some of the strategic tools that will help you succeed in achieving whatever you dream: • Tool # 1: Focus • Tool # 2: Time Management • Tool # 3: Efficiency • Tool # 4: Priorities • Tool # 5: Commitment Lifemoney Currency “There was a time when nails were high-tech.” -Tom Clancy 82 .Lifemoney We’ve been innovating and making tools since we lived in caves. We create mental tools to help us achieve greatness as well. People use tools to improve their lives. If you stop to think about it.
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
busy with multiple high-profile projects including a daytime talk show and cookbook empire. Just pride yourself on finishing projects and never allowing them to linger unfinished. or browsing the classifieds or eBay for things you don’t need. talking over the fence to your neighbor. Third. Second. months and even years. Rachel Ray. minutes. contributing to the community. or reaching that goal you think you just don’t have time to reach. Take it a step further and think of how much time we waste every single day. weeks. be very clear about what you’re trying to accomplish each day. Donald Trump suggests sleeping only 4 or 5 hours a night. only sleeps 4 or 5 hours a night. days. ignore the invitation and do something constructive. If you wasted just 30 minutes a day on surfing channels. insists that she. think of the extra hours you could find just by adjusting to one less hour of sleep per night. too. 87 . like building a career. In his latest book. driving to the store.Tools for Success manage time well and you become a master of extra hours. The next time you’re tempted to spend time where it won’t count for much. after 50 years you would have spent more than a year of your life “wasting time. If you’re unclear about your objective you’ll be unclear about the time you’re spending. or useful for others or yourself. let alone two or three. To manage your time better I would suggest four things. Trump: Think Like a Billionaire. Extra snippets of time come in the most unlikely places. First. enjoying your family. interesting. While this may be extreme for you. finish whatever you start.” 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.
You are the only one who can guard your time – no one else will do that for you. Someone who knows a little something about being efficient is Stephen King. Carrie. all of them bestsellers and featuring such instantly recognizable titles as Cujo.” the author is also the mind behind movies like Stand by Me. It’s a good lesson for all of us: you might surprise yourself 88 . King has long said he writes at least four hours a day. back in 1974.” . Fourth.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. money. Lifemoney Currency “The bad news is time flies. the author of some of the world’s most popular novels. and Misery. don’t give into time wasters. How does one author manage such a staggering number of pages? The answer is efficiency. energy. or any other resource you have available. every single day of the year. The good news is you're the pilot. Remember that your time is your time. King has consistently published three or four novels per year. except for three: his birthday. he is efficient with his time and committed to writing practically everyday. Since publishing his first novel. The Green Mile and Hearts in Atlantis. The Shining. Salem’s Lot. While many consider him the “King of Horror. So even though he is not working 10 hours a day on his books.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. the Fourth of July and Christmas.
“how will this clear the way to fulfilling my goal?” If you don’t have a ready answer.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. some activities are more efficient in getting you 89 . 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. you may need to reconsider that decision. My guess is that you will get more done in four focused hours than eight unfocused ones. but efficient work. Ask yourself. From now on. when you get the chance to make decisions. In other words. Not pushing paper or daydreaming. Everything in life has a price tag. 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. from time spent with friends to starting a home-based business. You also should get in the habit of counting the “efficiency cost” of each decision you make. Let’s do an efficiency exercise. weigh each one with a view to your goals. Goal Achievement Exercise L Take out your Workbook.
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. or even minor. decisions: • • • • How much will this cost in terms of money.Lifemoney toward your goals than others. but efficiency of performance is what wins the game for the team. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. 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 . consider making changes like these to enjoy life now while working toward a better one for the future: 1. especially future goals. In order to focus and spend your time more efficiently. get in the habit of asking questions like these before making major. time. I want you to realize a few things about time and think about ways you can use your time more efficiently. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. Ride your bike to work to relax and get some exercise.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. For that reason.
When we schedule a block of time. or both. 6. cars break down and bosses demand overtime when you least expect it. you managed your time that week can save you hours the following week by learning from your mistakes. 5. 91 . 4. Setting aside one hour at the end of every week to analyze how well. with planning and forethought. Watch less TV and do something more productive.Tools for Success to accomplish in the first place. 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. When our “To Do” lists are too full. Things do not always go like clockwork. they often remain unfulfilled. television can be a valuable tool. exercise. Unfulfilled lists lead to depression and disappointment. most don’t. 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. Monitor how you’re spending your time. Many programs offer everything from stock tips to weight loss programs to informational documentaries. like getting to work or going to the store. and make any needed adjustment. Set aside “unwind time” after work or school. Eliminate the hassle by making something you have to do anyway. kids get sick. 2. Don’t overfill your “To Do” list. we can’t perform task after task without stretching our bodies. When viewed wisely. Get a Spam filter for your e-mail. we tend to perform those tasks more efficiently. neither of which fosters success. which can be as little as fifteen to thirty minutes. between important tasks. We are not computers. or poorly. spouses need our help. minds. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there.
waiting for appointments. If you’re stuck in traffic. you would not have a roof over your head.Lifemoney 7. and get going to a job so you can take home a paycheck every few weeks. even when it’s spent waiting for things. Bring a book to all your “doctors visits. don’t worry about the rest. the day begins with the priority of going to work and chasing a paycheck. Mason Cooley once said. Only focus on things you can control. 9. Always carry something to capture your ideas. 10. or a car to drive. in restaurants. 8. wishing you could be outside. food to eat. Think of the day you were sick in bed. Without those paychecks. You get up. open the window and enjoy the air. Entrepreneurs. Tool #4: Priorities What are the priorities in your life? For many. Appreciate unexpected delays. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. get dressed. lobby lines. we gain not just precious moments but momentum. creative people. especially when it’s spent in waiting rooms. etc. I usually use car time to catch up on calls that I need to make. Take a break to relax and listen to music. 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. “Worry is not thought. there would be so much less to worry about. Use waiting periods wisely.” Never waste an opportunity to learn. When we learn to use our time – all of our time – wisely. complaining is not action.” 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. 92 .
and take time to spend with the ones you love. 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. focus on writing and not the collateral activities that might make writing that letter easier. If your goal is to write a letter to someone.Tools for Success Another priority for many people is their relationship with family members and friends. How should you start the process of prioritizing all the important people and events in your life? Start by asking yourself “Do I know how to give 100 percent?” Chances are the answer will be “no. You come home to people that mean a lot to you. don’t spend three hours cleaning your desk so you can get started. Then commit to giving your best to your life and to your goals daily. The third suggestion for prioritizing. The need for a clean desk before you can begin is less a necessity and more of an obstacle. something or someone important is going to get short changed.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. In other words. Don’t do busy work. Second. complete all the important things at the beginning of each day. You can easily become distracted doing this and usually nothing gets done right. 93 . Choose a priority and be a finisher. Don’t multi-task and try to accomplish too many things at once. Do whatever you’re doing all the way. Finish what you start when you start something. Focus on one step at a time. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now.
my partners and I had a synergy allowing us to accomplish more in less time. give up the little things that scatter your time and energy. Michelangelo. Lifemoney Currency “Don’t say you don’t have enough time.” Delegate worthwhile projects that can be handled by someone else. Sure. Jackson Brown 94 . Sometimes you might want to consider sharing profits or payoffs in order to get needed help. 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. Thomas Jefferson. Fifth. But why spend hours handling that task when my time can be put to better use? Last. I never answer my phone unless it is a call I’m expecting. Together. it was worth it to me.” -H. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. don’t be afraid to say “no. Take on only what you want to do and say no to the rest. and freed up some of my time to work on other priorities. I would often share sales opportunities and business deals so that I would have less work to do. That will only take me away from my priorities. You have exactly the same number of hours per day that were given to Helen Keller. Pasteur. Your time belongs to you. Leonardo da Vinci. create a sense of urgency for important activities that are going to be meaningful in your life. Pay less attention to things that come up but have no relevance to your goal.Lifemoney Fourth. One example from my life is that I pay to have my laundry done. I could do it myself. Even though I had to share the profits. Mother Teresa. and Albert Einstein.
Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. However. You wouldn’t go a whole day without eating. or sleeping. they make a commitment to the bank. 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 something he had to do. we call it a mortgage. In the same way. he told me that he hit the gym five times a week. When we make an appointment to see the doctor. For example. we feel obligated to keep that date. he had not missed a single week of working out. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. consistently. besides his normal two week break. In the last ten years. When I was talking to him about his workout plan. Then the real embarrassment came: after going over his working arrangement. a key part of your lifestyle. eating. you need to make your goals – things to do – daily activities. it was like brushing his teeth. I was amazed at his dedication and commitment. when someone buys a house. I have a friend who has been bodybuilding (or body sculpting. My response to him at that time was that I would love to make that commitment but that I was too busy for that type of schedule. few of us make that type of do or die trying level of commitment to ourselves and our own goals or even to the commitments we make to others that may help them reach their goals. would you? 95 . as he calls it) for over ten years. His response was that working out was one of his daily events.
22. He went from hanging out and drinking at clubs (I know. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268. Daddy's House Social Programs and the public schools of New York City. 1.200 books will be shipped in the next 12 months with the wrong cover 5.500 defective personal computers will be shipped this year 2.200 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 . because a 99.2 miles.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.000 checks will be deducted from wrong bank accounts in the next 60 minutes.517.9% effort were given.260 income tax returns will be processed incorrectly this year 2. Here’s a breakdown of how things might look if only 99. give 100%. He set a goal and did not stop until he reached it.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. Go big or go home.9% effort will not get you where you want to go. Follow through. You have no choice really. 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. I saw him) to a few months later running 26.488.
” He did not believe Jamie could pull off the part. tomorrow.Tools for Success • 3.000 incorrect drug prescriptions will be written in the next 12 months 114.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18. wanted nothing to do with Jamie. often unsafe. 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.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880.900 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. next Thursday and every day in the future on defective. Jamie could have easily walked away. Any Given Sunday.500 mismatched pairs of shoes will be shipped this year $761. He even went so far as to tell Jamie that he “would not waste one inch of film on him. Jamie was already a 97 . The director.690 will be spent today.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9. Oliver Stone. saying Oliver Stone didn’t know what he was talking about. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20.
remember to get and stay focused on success. He had his own TV show. He had also starred in several movies by this point.Lifemoney successful comedian/actor. Moesha and Hanging with Mr. Second. they are confident in their abilities and they stay committed until the task is accomplished. Lifemoney Currency Never. at that point in his career he did not need the role. But that’s not how Jamie viewed and approached it. he said that he couldn’t make the movie without Jamie. The Jamie Foxx Show. Cooper. So that’s how successful people handle getting something that they want. -Winston Churchill Gathering the Tools for Success Summary The Five Tools of Success we learned about in this Lifemoney Lesson are all about developing your mental tools to get the job done of reaching your goals. I heard that after Oliver saw the audition tape. never give up. Jamie took it upon himself (on his own time and with his own resources) to make an audition tape for Oliver Stone to show the director why Jamie was the perfect actor for the part. and he had already done many TV shows like In Living Color. never. They are humble enough not to think they are too good to put in the extra effort. Roc. First. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . I think it is fair to say that although it turned out to be a great part for him.
Tools for Success second.” -My Mother 99 . minute. you go to it. and resources. Last. Third. Lifemoney Currency ”Success doesn’t come to you. talents. 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. make efficient use of your time. or hour passes it is gone. make a commitment to embrace your goals and make them part of your life.
I am taking specific steps to make better use of my time. _____ 10.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. and then tally your score. I am willing to delegate some tasks to others. I am “do or die” committed to doing what it takes to reach my goals. _____ 7. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 9. _____ 4. _____ 3. change or impact – You can’t worry about” -Brad Turk 100 . Lifemoney Currency ”What you can’t fix. _____ 5. _____ 8. I am taking steps to avoid or redirect or see beyond these distractions. I have identified my focus and am ready to pursue it wholeheartedly. _____ 2. I have made a list of the major distractions in my life. I have evaluated my schedule and am eliminating the time-wasters. I am learning to make choices that will lead me toward my dreams. _____ 6. I have begun sorting high priorities from non-essentials. I am determined to include my goals in daily lifestyle activities.
as long as you are going forward.” -Christopher Gardner Overview Finally. but just starting down the road to success is one small step for you. one giant leap for your life. Gardner believes he has over $600 in the bank. compassionate and ultimately successful man named Christopher Gardner. and one day you look back and you’ll be surprised at where you might get to. only to find out later that the IRS has seized the bulk of the account. You may not feel like you’re making much progress yet. to 101 . You add them all up. he took on the role of a complicated. your plans for reaching your goals are in play. Progress Report When Will Smith played the lead character in The Pursuit of Happyness. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. At one pivotal point in the movie.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count.
500 shirts to local retailers. Instead. shipping and delivery of the first 2. It will cost about $5. But don’t worry: patience and paying attention brings progress toward your goal. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. Busy work doesn’t get it. you need your plan clearly laid out and a means to track how you’re doing. it will most likely take months. and literally withdrawn it from the account. 102 . if not years. it’s easy to wander and not finish the essential steps that lead to your goal. 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. including printing. What do I mean by “evaluate his position and adjust?” Hopefully you have already fallen into a schedule of activities that are moving you forward. filled out paperwork for an extension. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. When things take time.000 for everything you need to get started. 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. to do everything that you want or need for your dreams to become reality. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. While the event seems tragic.Lifemoney the tune of $600. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. For example.
shipping and delivery – into place. a daytimer. We often just assume things are going to work out once we have our plan in place. This means that you will need to save $960 in the next six months. This messes you up because initially you only needed to deposit $110 in the account each month. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch. It’s been a year since you made the decision to launch. Were you on track? Yes. Don’t forget the map! The solution to this common problem is either a chart of your own making.040 in your money market fund. But when you check you notice that there is only $4. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. The simple reality is you need one single visual reminder of what you want. but by all means use something. What happened? Well. What happened? Most likely – you made a bad assumption. you simply failed to keep track of your progress. Keep it simple.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. and you recall spending $300 to get a new bicycle. I prefer a big calendar. where you’re going and how you’re doing. or about $160 monthly. so you decide it’s time to check your savings growth to be sure you will have enough money when the time comes to launch your line. What might have happened if you didn’t take notice that you took out all that money? You would have failed to achieve your goal. Was the goal bad? No. electronic calendar or some other external system. but a big 103 . In this example. Was it out of reach? No.
Your reminder system should have several key components. As you can probably tell. I make sure I regularly review my objectives. Let’s find out what they are. I’m addicted to simplicity. It’s important to monitor each goal separately so use a separate sheet/planner for each goal. Remember from Lesson #3 these are like “mini” goals that help you reach the larger goal or break the larger goal down into easier pieces. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. make this sheet physically easy to see as you go through your day. I write these action steps in clear and direct language using 104 . Here are my basic elements: 1. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. 3. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. As always. List a Goal: This is where I simply write out my goal – one goal per sheet. I monitor them on a grid which I will introduce shortly (these pieces of information can be derived largely from the work we’ve done in the previous goal achievement exercises). so I’ve broken down my own personal system into five easy to monitor factors. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. Written goals are powerful. They are items that need to be accomplished to get me further toward my goal. 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. Also.Lifemoney piece of paper would do.
4. I have found that the more specifically this is worded. 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 reach my objectives. Closure on my objective always makes me feel good. Charting your journey in writing helps to make the whole process seem more real. but below is a model that provides an idea of how yours might look. Completion: I always mark the date when I’ve achieved each objective. Take it out for review often to make sure you are headed in the right direction. Now it’s your turn. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. 105 . You can find lists of action verbs by doing a quick Google search for lists of action verbs. I reach my objectives. I am going to use an example of setting a goal of becoming a better golfer in a year. How you arrange your grid is up to you. I will reach my goal. Goal Achievement Exercise M Take out your Workbook. and keeps you in touch with the realities needed to make your goals happen. as well as your response to them.Evaluating Progress action oriented words. and is a great marker of progress toward my goal. creating objectives and action steps. Create a grid that lists basic steps for reaching your goals. If I do all my action steps. We’ll start with January. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. 5.
and equipment of golf. I will make the time to sign up for lessons and commit an hour a week to practice. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. 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. keeping a grid like this one will show at a glance what you are doing. 106 . Read one golf magazine article per week to learn more. Year-round practice will improve my skills. Call for subscription to Golf Digest. Some weeks. Even if you don’t fill every moment with related tasks. to work toward your goal. When you go back and check your grid periodically. Learn terms. Check yellow pages for indoor putting green. will be spent revisiting an earlier action step. For instance.Lifemoney Goal: Become a Scratch Golfer In Two Years Date January Week #1 January Week #2 January Week #3 January Week #4 Practice indoors during bad weather for an hour per week. by the way. pros. I will surf Internet for local golf pros. and how often. I will get expert help and assessment. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. you can quickly and objectively measure your devotion and success in chasing your dream. Enjoy the thrill of getting better. Outcome I will enjoy my golf game more and feel a sense of accomplishment. Action Step I will take 2 hours during the first week of this month to write out my plan. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine.
you are now going to get a few things that they were not that excited about. If. Ask good questions Most people want to know what they did right. Ask for outside input from people you trust to be honest. or instead of. remember to adjust the steps to getting there. it also forces them to be specific. Make it easier for them to evaluate you by asking the right questions. Fortunately and unfortunately. “Please tell me the three things you liked least about what I did.Evaluating Progress If you decide to change your goal for whatever reason. “You did nothing wrong. Find something that works. I liked it all. 107 . the diet routine. for example.” To get better information ask. chances are it is correct.” This makes them think. you could switch to a physical activity approach in conjunction with. 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. Evaluate the input. To find out if you’re off track I suggest you find out what you did wrong. For example. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. and you found little change in the numbers after a few months. even if that means rotating new activities through the process until you find one that works best for you. If you get the same input from different sources. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. This is good.
Keep in mind that not all opinions you get will be accurate.Lifemoney Welcome criticism Some of the comments you receive might include criticism. Criticism is good – it lets us see a different side of ourselves. Analyze the critiques and use them as you see fit. He was told that his best hopes for a career would be as a carpet layer. people will stop telling you what they really think and say only what you want to hear. which is totally worthless. I’ve been wrong on many occasions. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. however. It also lets us know how others see us. When someone tells you point-blank that you’re going about something all wrong. You’re allowed to discard opinions if you have a strong impulse that they are wrong. practice what I call the 4-BE System: • • • • BE objective BE open-minded BE sure to listen and see if it is accurate BE honest with yourself. just listen carefully and ask how you can do it better. don’t reject impressions just because they are negative. In 3rd grade he was sent to a school for mentally challenged children. If you argue or make excuses. Don’t be afraid to be off track—or even outright wrong. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2. You don’t have to take every piece of advice that’s offered. Before you open yourself up to criticism. 108 .4 billion was thrown out of 2nd grade.
or attending a money management workshop are additional ways of becoming more knowledgeable. he never gave up. the phonograph. and film. founder of Woolworth’s and modern department stores. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. far-reaching.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. and how to get there in the most efficient way. Yet. • Albert Einstein struggled in high school math.Evaluating Progress • Thomas Edison was told he was not teachable. that he was a screw-up. or an investment agent to discuss planning strategies that can make this possible. or we wouldn't have his incredible. • • Walt Disney was once fired for a lack of "good ideas. taking a personal finance class. Get enough information to provide a clear picture of where you are currently. These also help to make sure you have a realistic goal set and that your 109 . For example. With his creative mind he patented over ten thousand inventions. your banker. and creative theory of relativity that has shaped modern physics. Before being home-schooled he was kicked out of three schools. if your goal is to retire at age 45 meet with a financial planner. where you want to be.W. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. You might even want to get several opinions and weigh several options before making a final decision. His last headmaster said he'd never make it. His name was F. Woolworth. including the light bulb. Registering for a financial planning seminar. Good thing he didn't. His bosses thought he lacked the common sense.
KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own.K…. and your progress to see if adjustments are needed for a better chance at a successful outcome. Some people even use something as simple as notes. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. 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. a great new job offer that comes unexpectedly. Watch your goal progress closely Check your daily activities. Your best skill is your ability to write things down and track yourself. keep track of your progress.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. the loss of a job. your plan. as long as you continue to make steady progress. daily steps that carry us the furthest distance. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. Either is fine. a death in the family. Notes to yourself. this is the time to reevaluate your goal. If not. you may get off 110 . Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day. As you try to achieve your goals.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. Above all remember. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. O. or meeting someone and falling in love. you still have time to adjust your plan to maximize your chances for success.
There are some very good action steps you can take to get yourself going again.” “You’re attitude is bad. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time. Here are some examples to get you started. “You always complain and never offer solutions.” “You’re always late. The faster you uncover the weakness within you and address it.” “I have to constantly watch you because you waste so much time. properly aligned and refocused. And don’t forget that sometimes you get off track due to internal factors rather than external ones. List the five most common criticisms you hear about yourself. You stop exercising or you start watching a new television series that leads to another new show to another and to another. take this information and use it to your advantage. and then outline action steps you can take to address these.” “You’re stubborn and won’t do as you’re asked. • • • • • • • “You have trouble following through to get things done.Evaluating Progress track too.” Rather than being upset or offended. Then move on to do the same with larger tasks. We’re going to address some of the internal areas that may get you off track to achieving your goals. 111 . the faster you can get on your way. Don’t beat yourself up for being normal.” “You work slowly. Goal Achievement Exercise N Take out your Workbook.
come up with a clever solution to some problem the boss is having. Keep these keys in mind: 1. Write down the smaller. Being honest with yourself is a powerful tool. gut-level honesty. 2. Fortunately. Be honest in soliciting opinions from others and acknowledging your weak areas.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. break the goals up into smaller. Better yet. Then be proactive in making changes to benefit yourself and others. more specific steps you 112 . • • Finish the task at hand and ask for something to do next. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. daily pieces that when completed will gradually accumulate and lead to success. you will lose track and wander in pursuit of your goals. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. Especially honesty with yourself about your own weak spots. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. more doable chunks that you make note of it in your planner. If you don’t make notes of how you’ve broken down your duties. I strongly suggest that if you break your tasks down into smaller. there are many things you can do to address problem areas and turn them around to make negatives into positives.
Contact at least one new potential employer each week. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. Meet with your mentor every other week for feedback. Save at least $10 per day for an average of $300 per month or $3600 per year. Seek out successful people for advice: Free advice is all around you. h. Work on replacing a bad habit with a good one each month. 3. Review your written goals more regularly (hourly. daily. c. (I speak much more about this in Lifemoney Lesson #6. 113 . j. Stop and reflect on your life more often: When you stop and reflect on your life every month or two. Learn something new related to your goal every month. you will be amazed to see how much you’ve actually accomplished. Here are examples of small activities that can be conducted daily. 4. f. and be willing to make the necessary changes that will help to ensure success. Resourcefulness).Evaluating Progress intend to take. Make one sales call daily at least five days per week. as well as find inspiration to help you continue to achieve your goals. b. e. Seek it out and you’ll find more encouragement than you’ll be able to handle. Whatever you do. Check out at least one set of blueprints for your dream home each month. weekly. etc. Read a self-help book related to your goal. i.) g. d. Have a weekly date with your spouse or child to improve family relations. take personal responsibility for the difficulties encountered in your quest.
” 114 -Brad Turk . If you feel that you are unable to follow the timeline or stay with the quest.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. To tell the complete story. Make a visual reminder – like the grid I use . Come back to your journey when your batteries are recharged. as well as anything that remains unfinished. living. evaluate your progress thoroughly. take a short break to renew your mind. plan to re-assess your progress. Do this assessment frequently. If anything has changed since you began the quest. 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. factor it into the equation. and then give it all you’ve got! Lifemoney Currency “Dreams are real. but that’s fine as long as you don’t abandon the journey. After taking action steps toward your objectives and ultimately the goal. realistically – and often.Lifemoney Lifemoney Currency “The price of greatness is responsibility. Every success story is written with dozens of action plans that were brought to fruition through focus and commitment. You may have to revise your daily or weekly goals from time to time.
In gathering feedback I will ask good questions. I will solicit feedback from experts. I will invite and accept criticism that is given with a view to helping me. I will make efforts to change or eliminate bad habits. _____ 10. Lifemoney Currency “Be consistently consistent. _____ 5.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. _____ 9. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1.” -Brad Turk 115 . _____ 8. along with my progress at regular intervals. I will create a grid for recording action steps that lead to my objectives. I will check the grid periodically and make any needed changes. I have the names of several people I trust to give me good personal feedback. _____ 3. _____ 2. I will be quick to admit my weaknesses _____ 7. and then tally your score. I am going to regularly check my progress toward reaching my goals. _____ 4. _____ 6. I will reevaluate my goal.
We are stronger and more resourceful than we know. Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). you need to look for other routes or means of help. When things don’t go as planned. who was brought up in the Marcy projects in Brooklyn. 116 . It’s how you handle the resistance that leads you to success.” Overview Everyone struggles to meet their goals. whose net worth is estimated to be $320 million.Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe. had to create his own destiny. Sean. knows firsthand what it means to be resourceful. everyone encounters resistance along the way. This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. and we can endure much more than we think we can.
How resourceful are you? Could you overcome adversity by thinking not just “outside the box. he needed to be a businessman as well. Being a talent was not good enough to attain his success. which launched not only his career.” but over it. the 40/40 Club in New York City. Jay-Z became one of the most respected rappers in the music industry. in some cases. In addition to becoming the President of Def Jam Recordings. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. Carter line of Reebok sneakers. but the careers of many other superstars. 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. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. which eventually shaped his destiny. right smack through it? As you begin your journey to reaching your goals. Other ventures of his are Armadale vodka. part ownership of the NBA New Jersey Nets and the S. When faced with resistance he responded by finding solutions to his problems.Resourcefulness When he first started out. with 18 Grammy nominations and 5 Grammy wins. under it.” And that’s what he did! He co-founded Roc-A-Fella Records. which includes Roc-A-Fella Films and Rocawear .a very successful clothing line. he also expanded the Roc-A-Fella empire. He has a willingness to find any way to achieve his goals. you might be filled with 117 . “I was forced to be an artist and a CEO from the beginning. including Kanye West. Sean was unable to get a record deal. around it or. No one seemed to be interested in his music or recognizing his understanding of the music business.
They might come from your creative imagination or perhaps from the lives of other people. Either way. With a little bit of effort and some common sense. 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.Lifemoney confidence. This lesson points out some useful resources and answers for the troubles you will encounter on your journey. 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. You’re going to need to be resourceful no matter how much you have going for you. do surgery with a pocket knife and 118 . you can find resources that will make all the difference in your search. or mediocrity and brilliance. run some cold water over your hands." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. turn on the light. and I know exactly what I have to do to reach my goals. Lifemoney Currency "I've found from past experiences that the tighter your plan. then slap yourself in the face. 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. You may be thinking. “I’ve never felt better! I have a sense of purpose.
and realize that often the reason you’re stuck is because you’re not thinking big enough. he could always find a fix to any obstacle he faced using just what he had around him. You can always do something. 2. Take stock of the situation to see what you can do. Be an open-minded. The trick is to keep your mind focused on what you want. but the natural resourcefulness of your mind will reward you with many great and doable ideas. Take time to jot down problems for which you’re seeking solutions. wild and fun solutions. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. you must be the same way. big thinker.Resourcefulness make a computer out of duct tape. I want to make four suggestions for being more resourceful. 119 . only to be told something you already knew? Often. and when it comes to succeeding in your life. even if you’re unsure of the outcome. These are four ways of thinking that have made me a better businessman and human being. You’ll have to learn to let your mind go in this fashion. He was the picture of resourcefulness. 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. Did you ever consult someone about a problem you were having. Take the time to take stock of the situation and think on your own. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. resourceful problem solvers are some of the most open-minded thinkers I know. expensive. Clever. Though you may not end up being MacGyver. He was never played out. Relax and think: don’t let the complexity of a problem paralyze you. and then brainstorm big.
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. Be a pest. ask over and over again. 3. And when you come up with all those big thinking ideas – capture them. 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. Once the perception piece of the introductions was achieved. over a microphone to your computer. Don’t look at life with the jaded self-knowledge of an adult. I looked nineteen. big thinking I created a great solution. I have a baby face. out-of-the-box resource idea and it worked. I was trying to launch my business and wanted professionals and industry experts to take me seriously. As you can see on the cover of this book. however works best for you – and then review them every once in a while to see if there is one you can implement. That’s how you learn. George and I appeared to meet expectations for maturity and sophistication. It was a big thinking. I was able to pitch my products and services to an open ear. At twenty-five.Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. This was a problem. Make sure you capture those ideas somehow – in paper. I look a lot younger than my real age. Don’t be afraid to ask questions from people who know. When attending a high-power meeting I’d take along a good friend. As a team. 120 . but walk with eyes – and ears – wide open. and in a moment of wide-open. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. who was middleaged and looked more of the part I needed to play. George. Become four years old again.
My dear granddaughter Hannah. You see steps. 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. Look for solutions in the most unlikely spots. You want to climb the attic stairs. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. Here’s a thoughtful letter written to a child from her grandfather.ca/athomas125/hanna.Resourcefulness You don’t know everything. I find embarrassment. I see danger. With wild abandon you tackle new words. I struggle to learn. You love to learn. And in my experience. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. new skills. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. You want to paint. you can’t know everything. I've forgotten how to laugh at blunders… 121 . you see colors. Questions are your favorite tools. 4. You want to know everything. Book is your favorite word. I see problems. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. You are only two. You find laughter in mistakes. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there.htm. It was taken from the web site http://members. hoping to master the computer in one easy lesson or not at all. I see mess.shaw.
Talk to people from teens to retirees. Just keep going until you find the information you really want. These could be friends. Look around for success “MacGyvers” hiding in plain sight all around you. neighbors. Ask questions that seek out detail rather than just yes and no. At lunch you boldly bite into broccoli. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity.You’ll Find It Finding the right information can be like looking for hidden treasure without a map.Lifemoney You are courageous. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. asking questions about their perspectives and ideas. if it's not too late. help me to grow up and become just like Hannah. tomorrow you will tackle cauliflower with the same exuberance. I stick with the familiar favorites. Sometimes you may not know where to begin the quest. 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. When you’re listening to an answer. Keep Looking . you might be given all sorts of misleading ideas. I love you for who you are! Grandpa Dan Dear Lord. or information you can’t really use. and though you dislike it. 122 . You walk right up to a stranger and smile. And learn to ask better questions and be a better listener. After talking to one resource person or another. But that comes with the territory. and relatives who may have an idea or solution to your problem.
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. spend your time searching for buried answers. If you don’t find an exact match. If not. That’s the beauty of the modern world. try different variations of the same words until you find what you are looking for. All you need to do is pick a search engine (I use Google. Look at the jackets and back covers for ideas about whether a book will be helpful. spread far and wide. and read a recent biography of someone you admire or a book on a topic related to your goal. You can even use full sentences to pinpoint the closest data to your topic search. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. you should be able to find worthwhile reading.Resourcefulness You probably won’t find everything you need in your back yard. In a larger bookstore chain. But you can go anywhere you want and talk to whoever you like. Don’t be afraid to use all of the resources available to you to gather more resources. Here are four incredible resources. There’s no better or quicker way to 123 . Number 2: Buy a book or magazine You can find dozens of books and magazines in your goal area or where you want to learn new things. often at the press of a button. you can just read while you’re there. Whatever your needs or interests. ask a store associate to order materials for you. technology is bringing us closer together. You don’t even have to buy the books. find a seat at the café. Even as there are more and more of us. Instead of sitting in front of the television or playing video games. buy a cup of coffee.
Toronto. If your library doesn’t carry a book you want see if they can get it for you from another library. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. You don’t have to buy the product. Many companies offer free webinars with noted experts in a particular field as a way to sell their products. San Diego. and videos. but you may learn a few things from the expert while you participate in the webinar. Most libraries offer this type of service for free. movie producers and music moguls at your disposal.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available.com) where they constantly have well known speakers. Minneapolis. You can also get audio books. 124 . 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. 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. borrow books for free at the library. San Francisco. language CD’s or DVD’s (if your goal involves traveling abroad). magazines. and Los Angeles you have the Learning Annex (learningannex. Check your local area for something similar.
you will be able to learn from the experts in that field. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. One life changing piece of advice can make you thousands if not millions. For example if you’ve challenged yourself to get a great job in New York City.” -The Learning Annex Promise There’s No Need To Grow Up Remember that excited feeling you had as a kid when you started school? Remember that wonderful anticipation of what you were about to learn or do? You were probably thrilled at the thought of becoming smarter and impressing Mom and Dad with good grades. Be 125 . That thrill of learning still exists inside you today. find out all you can about life in New York and the companies or groups associated with this new job in New York. They will teach you how to become financially secure and independent. It is idling in you right now.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. Ask the people around you what they know about New York. or showing off your playground skills to other kids. Read books and look for television programs. waiting for the chance to drive you toward solving your challenges and meeting your goals.
If they don’t have one you want. specialized courses that often cost under $100 and run over a day or several weekly classes. work on building friendships with new.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. then ask lots of questions. and provide you all kinds of problem solving resources. volunteer at a local official’s office and see how it works. • Online Special Interest Groups. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. You can meet experts in your field of interest and learn things about your pursuit you never knew existed. Learning new things is virtually guaranteed. find a writer’s group or a reader’s club. To run for civic office in a few years. Often we outgrow our friends. Consider joining 126 . suggest that it be taught in the future. No matter what your interest. Most colleges – especially community colleges offer informal. Rather than ditch your old friends. If you’re planning to write a novel. Check with a local community college or university branch campus for information about these classes. Those friendships can form quickly and be lasting. like minded people that share your intensity in life. • Take a non-credit class. the internet provides an opportunity to meet many like minded people. Over time our interests drift and friendships change because your interests no longer match. Listen first.
or subscribing to a mailing list of like minded folks.Resourcefulness an online community. assign timelines in which you will visit these places. Visit a local learning annex Once you have these three written down. such as: 1. Online chat room--. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s. reading blogs about topics that interest you. 2.” -Bill Gates Goal Achievement Exercise O Take out your Workbook. such as: 1. Community resource center – attend evening sessions from 8 to 9 Monday. Join an online chat room 3.this week I will seek out one interest group related to my goal 127 . Consult a community resource center 2. Wednesday and Friday. List three places where you can go to find some information that will further your ability to be resourceful.
Lifemoney Currency “If you are going to be thinking anyway. Like Diddy. If you’re planning to write a best selling novel. look for experts in your field. D. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. learning the industry from the ground up. and while attending. those who have already accomplished what you want to do.” -Donald Trump Find An Expert Everyone can benefit from having a mentor.Lifemoney 3. Uptown Records..com. contact authors whose writing style you like and ask them for tips on 128 .” There he swept floors and kept his ear to the ground. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. Before he became known as Diddy. and found resources anywhere – and everywhere – he could.C. Sean “Puffy” Combs worked in thankless jobs like the rest of us. Combs applied to Howard University in Washington. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings. But Combs was an avid listener. learner and observer. According to Answers. “Already a shrewd businessman through his two paper routes. This is someone who will work with you to set goals and help you make plans for reaching them. you might as well think big.
Ask questions like. and other information that might hold clues to the reasons for a person’s success. get some books about famous people who have already made it in the area where you want to go. If speaking directly with an expert isn’t likely. find out what not to do. Learn it first then conquer it. Go straight to those who know the ropes and can share a bit of wisdom. If you’re a student. and look for readers that can tell you what they look for in this type of book. interviews. Make sure that you research these people and their companies. libraries and the Internet are valuable. “What is one thing you would do differently?” Study those who are where you want to be. Avoid their mistakes. videos. You could contact publishers. Look for people who can provide guidance. if applicable. too. take a job as an intern like Diddy. before you speak to them. Always be prepared and don’t waste anyone’s time. And. Try other people or be persistent with the ones you really think are important for you to meet or talk with. Or look up a local leader that you might be able to interview or job shadow. Don’t fight the system if you don’t have to. but people are the ultimate resource. Don’t rely on your own expertise. Books. 129 . and find out what keeps them going strong as well as the things that hold them back. You also may want to consult the local Small Business Administration or a retired executive. Look up biographies. When learning from the experts. don’t be surprised if some don’t return your calls.Resourcefulness getting published. and who won’t turn their backs when you need help. too. There are actually some fields like the music industry where the only path to a real job is to intern.
List three people that you will contact for assistance. Using the people skills that you will learn in Lifemoney Lesson #8. 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. think of key resource people you already know from your past and your present. Never forget to take advantage of your network of connections.Lifemoney Lifemoney Currency “If I have seen farther than others. No matter what sorts of challenges you face right now.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. 130 . You’d be amazed how many talented people you already know that could help you along your journey. While making your list. it is because I was standing on the shoulders of giants. intrigue these people to help you in whatever way possible.
” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. that can put you closer to reaching your ultimate goals. the most resourceful individual will taste defeat. to get the information. Try to count how many names are listed at the end of the film. always tomorrow after you have done your best to achieve success today.Resourcefulness Lifemoney Currency “Remember you will not always win. Don’t limit your dreams by limiting your scope. might be the director. It’s important to utilize every opportunity. Some days. services and know-how you need to create Lifemoney. in this case. But there is. every one of those people was a resource in creating his latest masterpiece. but stick around for the credits after his next movie. reach out as often. and as far as necessary. small and large. Very few people succeed entirely on their own. 131 . Stephen Spielberg.
_____ 3. I will enthusiastically seek information like a kid. _____ 6. find the people you need to know and introduce yourself. I will network with people I know to find expertise beyond my circle. _____ 8. Learning is the beginning of health. I will take a class or seminar related to one or more of my goals. Learning is the beginning of spirituality. I will keep my eyes open for a mentor. school or online special interest group.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. _____ 5. and observations. _____ 4. ideas.” 132 . _____ 10. and then tally your score. but who you know. Searching and learning is where the miracle process all begins. _____ 1. _____ 7. _____ 9.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with. I will read new material that relates to the pursuit of my goals. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. _____ 2. I believe learning is the beginning of wealth. I plan to visit a library. I say. Lifemoney Currency “Some people say it’s not what you know. I plan to read an autobiography of a famous leader who inspires me. giving yourself 10 points for each checkmark and 0 points for any left blank.Brad Turk .
asking big and avoiding the herd mentality. Trump had no 133 . I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. They are your real wealth. 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. He bought the property in 1977 when that part of New York City was in terrible shape. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. directly across the street from Grand Central Station. your Lifemoney. Now I want to talk to you about the one Lifemoney skill that might be the most important to anyone wishing success in life: creativity. objectifying your goal. These include visualization.
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.
This isn’t fantasy or play-acting. See yourself inspecting the houses.Lifemoney 5. Your body will do what your brain focuses on. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. so keep your thoughts positive and stay focused. copier. step by step. imagine yourself doing it. what does that mean for you? Do you want to sell houses? Do you want to manage rentals? Do you want to sell commercial property? Do you want to invest in real estate? Specifically describe your goal and envision yourself doing it. noticing colors of paint and the condition of the neighborhood. Notice even small things like the shoes on your feet and the color of your clothes. Picture your home office with all the things you would use in a public office—computer. it’s time to shift gears and visualize it. it becomes more tangible. Now. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. Avoid the herd mentality. or when it becomes increasingly difficult to see yourself in the winner’s circle. this proven 138 . and telephone. You’ll work out the bugs of a process that will move you closer to your goal. Visualization is when you mentally create an image of yourself accomplishing the desired objective. For example. if you want to get into real estate. fax. If you want to operate your own business instead of working for someone else. Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. What’s it worth to you? When you’re ready to give up on your dream.
Sometimes having that physical object can help make an abstract idea seem more real. your accomplishments and your dreams? Some 139 . Take responsibility to hold those images in your mind.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. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. I kept miniature models of these cars in my room as a way to make my goal “real” and be an incentive of what I was working for. Do what you can to make a real “object” out of your goal. whether at home or at the office. and I still have the toy versions to help me remember to make my dreams real. Why? Because you will create whatever you’re visualizing. That is a conscious choice. an action you take.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500. To date. Those that fail to reach their dreams are often letting their positive visualizations vanish. Acquiring anything starts with imagining it constantly. Lifemoney Currency “Visualization is daydreaming with a purpose. I have had both of these cars. but our brains respond better to the real thing. All success starts in your mind. good or bad. There is no substitute for keeping the proper image in your mind at all times. Look at your workspace.
The object for your personal goal might be something that brings to mind your dream. Who do you think is more positively driven? Around her neck. Chances are you have a framed photo.Lifemoney people have desks covered with trophies and some have desks covered with bills. whether past. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. an award or commemorative gift. 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. start collecting those things and placing them around you. Dieters sometimes buy clothing in the size they want to be rather than what they are now. or another small. Queen Latifah wears a key on a chain. 140 . This is especially important in creating objects that represent your personal goals. it should be something that reminds you of and keeps you motivated to achieve your dreams. and how important it is to enjoy every minute. If you don’t. present or future. seemingly insignificant object that reminds you of something very important. Whatever you choose. the one he died on. It also keeps her motivated and helps as a reminder of how precious life is. The key belonged to her late brother’s motorcycle. A miniature horse that fits in your palm could be the symbol of your future breeding farm. and she keeps it near her heart as a reminder of how much she misses him. Real objects have power.
When we went into the place I was very disappointed. my friend saw as a positive. it seemed I got the truth out of him. he explained to me that this was a great deal. He buys a lot of properties. I found out I was going to make ten million dollars for Dumb & Dumber. Well. His success is attributed to seeing what’s not there and being open minded about what can happen. “We’re out of here. crunched some numbers and while we were sitting down for coffee afterwards. I remember him helping me out once when I was looking for a small rental property.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. From his perspective it was good that the place 141 . He asked more questions. After bothering the agent. manages some and sells the others. that was it for me. just before Thanksgiving 1995. I looked at my friend as if to say. and he informed me they had been trying to sell it for over a year. the actual apartment was terrible.” But David wasn’t quite ready to leave. What I saw as a negative. I put that check in the casket with my father because it was our dream together. I put it in my wallet and it deteriorated. And then. It looked like a hurricane had come through and no one bothered to clean up after. I thought I knew something about real estate and I asked the agent how long the place had been on the market. Although I loved the building and the area.
By shifting perspective. You can do this in your own life. she really wanted a more flexible schedule. So try! It is a valuable lifemoney skill that can translate into big cash money.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. My girlfriend. David helped me to see the real value of that deal. Although Liz was happy with the money she made and her success in what she did.000 down to $150. After David did the math with me. She is good at her job and has been with the same company for over 10 years. Most people who walked in there did not see the value of the place and could not picture what the place could look like.Lifemoney was a wreck and was on the market for so long. 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. does medical billing and is the office manager for a doctor’s office.000 and after spending $25. She envied my work schedule and the fact that I could arrange my days as I saw fit. 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. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. 142 . How? We were able to get the price from $165. Liz.000. it appeared that I would be buying a $200.000.000 co-op for $175. Anybody can see what’s obvious but only a few can see potential. Creativity Factor #4: Ask big There is huge power in learning to ask big.
Creativity When I encouraged her to suggest something new to her boss, like a more flexible schedule, she was positive he wouldn’t go for it. But rather than just forgetting about the idea, we sat down and actually listed some very big possibilities she could take to her boss. Specifically we asked ourselves “What might her boss go for?” We made ourselves think outside the box. This thought process alone allowed us to quickly figure out a few adjustments she could make to maintain job duties and still free up some time in her weekly schedule. Then one day at work Liz asked her boss something big. “I’ve figured out a way to work even more efficiently,” she began. “Oh, yeah?” her boss asked. “What’s that, Liz?” “If I work a day a week at home where it’s quiet, I can get more billing work done without the distraction of answering phones or coworkers’ questions. I’m sure I can work faster, which will save the company time and money. Can I do it?” Now do you think that was easy for Liz to ask her boss? No way. But she boldly asked a new and surprising question. And guess what? Liz’s boss agreed to give it a try, and now she has more flexibility in her schedule. She has a day each week for personal errands and her son and on that day she works the hours that she sees fit. Even when it seems like the odds are against you, asking bigger and bolder questions can be a huge source of inspiration and possibility for you. When I worked at MCI, through hard work and utilizing the Lifemoney lessons in this book, I became the number one salesman in the country. My problem was that I knew I preferred working from home without a boss breathing down my neck. But my boss really wanted me to work out of the office in the more standard corporate way. Rather than just giving in to this expectation, I asked myself a bigger, better and bolder question: what would the boss
Lifemoney go for? I decided that I would go to him and candidly explain my vision, how I worked best and how we could make this work for both of us. I set up an appointment with my boss and I explained how much more productive I was from home and that I had two more hours in my work day by eliminating the commute it took to get back and forth to the office. All I had to do was point to my sales results, and my “work from home” sales pitch spoke for itself. I showed that I was able to do my job the way that made sense to me and worked with my personal schedule. I wound up only going into the office a few times a month. I took a standard practice of almost all corporations of working the typical 9-5 office job and turned it into something that worked for me. An enormously big opportunity for me began by asking a big question: “What’s possible here?” Asking big is not only a creative way to think, but when you take the short step of sharing your creativity publicly; profound things will start to materialize. Get in the habit of asking big. Even if it doesn’t work, you’ll be a step closer to finding the solution that will work.
Creativity Factor #5: Avoid The Herd Mentality
There is an old saying that “if everyone is doing it, it’s probably wrong.” We are herd animals, and often where the herd is going is not original or creative in any way. Successful people are more often those who are willing to dream about going another way. It is always best to have some foresight and try to do what has not or is not being done. That’s not too say that you can’t make millions or find happiness doing things that have been successfully done in the past, but the pioneers will usually capitalize the most.
Creativity In addition, you also have to be careful not to jump into a fad or in something that has already reached its peak. The perfect example would be all of the late comers who tried to break into the real estate market – well after the bubble was set to burst. Read what Robert Kiyosaki, author of Rich Dad Poor Dad says about the stampede that took off after the real estate boom. “In 2003, every fool was getting into real estate. The checkout girl at my local supermarket handed me her newly printed real estate agent business card. The housing market became the hot topic of discussion at parties. ‘Flipping’ became the buzz word at PTA meetings. Homes became ATM machines as credit-card debtors took long-term loans to pay off short term debt.” And now the papers are filled with stories of people who followed the herd and ran off a financial cliff. Once everyone is doing what you are looking to do, it often makes your goal that much harder to attain. Again, this does not mean that it can’t be done. It just means you will have to work that much harder and smarter to get your results. You don’t always have to do things the traditional (Herd) way to get it done. If you want $5,000 to buy a speedboat, do you have to start with a basic savings account? Are there other ways you could raise that money? You could: • • • • Sell used items you no longer use -furniture/tools on Ebay. Downsize to a smaller house or less expensive car. Create shares of the boat and bring in partners Get a second, part-time job.
Lifemoney While all, some, or none of these options may work for you, the point is to try to go in the opposite direction of the herd when the herd has been going in the same direction for a while. Back to my main man Donald Trump: many people thought he was born into his millions, or that he came by his wealth easily. The opposite is true. Donald’s father, Fred Trump, had to help support his family and started a construction business in Brooklyn, New York. Donald spent a few years working out of the same office as his dad. When he eventually decided to get involved in real estate, he did so with a limited budget. Though he had very little money, the first thing he did was to become a member of an exclusive New York club. He used his membership as a way to make contacts. That’s pretty unusual and not what a herd thinker would do. Who ever thought of starting a business by joining a club? Most of us would wait until the company was established – probably even well established - before developing business relationships. Trump took an unusual route to success, and it paid off.
“You see things; and you say, ‘Why?’ But I dream things that never were; and I say, ‘Why not?’ ” -George Bernard Shaw
and invest the energy in some creative thinking about going after the things you want. _____ 2. Is there some way to save time or money at your job? Can you trim the household budget? How about trying out a new skill? Most people have a lot of potential that goes untapped. but seeing what’s not there. Engage your creativity now by taking stock of your situation. I can visualize my success through a variety of mental pictures. I seek out new perspectives to old problems. Don’t let yours go to waste. Lifemoney Currency “A problem is a chance for you to do your best thinking. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. Make the time. I have objects around me that symbolize the success I seek. 147 . Take the time to evaluate your situation and try a creative approach.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. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. and then figure your score. Remember that one of the most important aspects of creativity isn’t seeing what’s there.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. _____ 3. _____ 5. _____ 4.
great possibilities are created. _____ 10. I will use creativity to help me attain my goals.” -Brad Turk 148 . _____ 9. _____ 7. Lifemoney Currency “Just because something isn’t being done. I make detailed mental images of what I want. _____ 8.Lifemoney _____ 6. doesn’t mean you can’t do it. hasn’t been done or looks like it can’t be done. I know when I ask boldly. I keep asking bigger questions to spur my creativity. I avoid the herd mentality at all costs.
getting others involved will be a major key to your success. Using people skills in a competent. 149 .People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. So learning to interface with other people is vital to realizing your goals. professional and powerful way will not only aid you in achieving your objectives. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. but it should make your life experience more rewarding as well. 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. For almost any goal you may have. 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. if people get better at these people skills.
As an example. I was managing a staff of 8 sales people who all had extremely different personalities. hard working and considered her sales position as her own small business that she was managing. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. from being a salesperson. I knew first hand. During that time. I worked as a manager for a short period of time. On the other hand.Lifemoney While I was at MCI. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. I provided them the resources to work in an environment where they could thrive. I had a salesperson who was one of the most charismatic people you could meet. out sick. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). He had so many excuses that he was losing track of them. that one of the biggest problems in how they managed was that they had a uniform way of doing things. Using my Lifemoney Lesson # 8. I quickly realized that to deal with people effectively you really need to understand what motivates them. I had one rep who was just like I was as a salesperson. or had an excuse for something going wrong. that we are all different and had different needs. and he needed a couple of days to 150 . and that I could not work her harder than she would work herself. He was always late. that same uncle died again. They were men and women of different races and backgrounds. She was self motivated. Their “House Rules” were specific to how they thought a salesperson should be. I did for her what I wanted my sales manger to do for me – I stayed out of her way. Amazingly. I saw from past managers that I have had. He once told me about his only uncle. that she would get the sales in. I knew she was a hard worker. who he missed that had passed away about a year before.
So to get the most out of people and to win them over to your cause. Reflect on why that might not have gone exactly as you’d hoped and ask yourself the following questions: • • • • What were my preconceived notions about this person? How did they affect how I dealt with him/her? What could I have done differently? How could I respond better next time? 151 . some I still have to this day. and at least once every day gave him a swift kick in the ass. Lifemoney Currency “Shared joy is a double joy. Anyway.People grieve. Not only was this experience a financial success for me.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. Be as specific as you can. and told me that he needed that treatment to get him where he wanted to go. but it allowed me to really connect to my reps and form lasting friendships. I treated him how he needed to be treated. Shared sorrow is half a sorrow. you need to know what their needs are. especially when it comes to dealing with people. Are you a people person? Few of us respond to every situation in perfect form. I micromanaged him. He later thanked me for helping him. Think of a past problem you had with a specific person.
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. Success doesn’t happen by accident. standing in the gap to close it for us. Step # 1: Be a Good Listener People want to be heard and understood. 152 . Conversation involves someone speaking and someone listening.Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. Get into the habit. Lifemoney Currency “Every one of us gets through the tough times because somebody is there. even dealing with people – especially dealing with people – requires proper planning. or rhythm.” -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. everything. The primary way we communicate with others is through conversation. do not speak. Listen. When it is your turn to listen. there are lanes for incoming and offloading traffic. of preparing yourself to deal with people rather than doing so on instinct or history.
Yet. Smile.People To demonstrate how much people want and need to express themselves and feel understood. at the end of our meeting. I will tell you a funny story about a job interview I once had. Let the other person speak – while you LISTEN. He was so excited to talk about himself and his experiences that at the end of an hour. their needs and their accomplishments. If you really take an interest in what they are saying you might learn something. we did not get to discuss my history. At the beginning of the interview. When you talk to others. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. Watch for opportunities to offer empathy. advice or assistance. let them talk about their skills. listen with a reason. If you want to win them over. It turned out to be a win/win for us both. not just another segue to a story about yourself. this guy not only offered me the job. Although I knew my resume would be suitable for the position. Be enthusiastic about what they are talking about and who they are. You can’t learn from them if you’re talking. Step # 2: Take an Interest in People When you listen. Try and put yourself in their shoes. 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. he took an interest in me. Everyone’s favorite topic of discussion is themselves. 153 . Ask questions. people like people who like them. Again. Because I took an interest in him. it seemed as if we did not even speak about me. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position. find out about them.
The gift you are giving is worth far more than anything you might hope to gain from turning the focus of the conversation to you. and telling your stories. at first. They’re getting enjoyment out of reliving an experience or sharing an insight. you only aggravate yourself. the more two-way they’ll become. Let the other person feel important and appreciated. Have faith and patience that the longer these relationships last. Try it and see how it works. Did they have a bad day? Was there a problem at home? The best way to turn a person with a bad attitude around is to be nice. Step # 3: Don’t Undermine – Understand It’s easy to criticize. brag or whatever they wish. 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. But you need to be genuinely nice. Some people are just genuinely grumpy or mean – but these people are not the majority.Lifemoney Let’s say that you are a very good racquetball player. and someone you are talking to tells you about a game of racquetball they played. The more you listen to others. Most people react in a negative way due to circumstances. it might be. Even though you can relate to the story because of your expertise. In building up conflict instead of offering genuine kindness. Let the person tell the story. Don’t fake it! Did someone cut you off on the road? Maybe she was going to see her husband who has been injured in a car accident. But the funny thing about building these bridges is they work both ways. the more they’ll learn by example and start paying you back– by listening to YOU. 154 . you don’t have to interject your knowledge or skills. If this sounds fairly one-sided. Don’t take that away by changing the subject to you.
he heard a cry for help coming from a nearby bog. On the way to work you get stuck in traffic due to road construction. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. screaming and struggling to free himself. 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. even though you typically arrive on time. Crazy things happen when you reach out to people and pay some kindnesses forward.cfm?pageid=102. The next day. Then the boss yells at you for being late. and he was a poor Scottish farmer.winstonchurchill. “You saved my son’s life. was a terrified boy. 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. “I want to repay you. His name was Fleming. while trying to make a living for his family. Maybe you weren’t feeling well.” 155 .People Think back to a bad day you had recently.org/i4a/pages/index. a fancy carriage pulled up to the Scotsman’s sparse surroundings. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. One day. Maybe you got up on the wrong side of the bed. He dropped his tools and ran to the bog. Farmer Fleming saved the lad from what could have been a slow and terrifying death.” said the nobleman. There.
” the Scottish farmer replied waving off the offer. and it’s a little bit insulting. Years afterward. the farmer’s own son came to the door of the family hovel. “I’ll make you a deal. At that moment. I know it is because I never really made a true attempt to focus on remembering them. “Is that your son?” The nobleman asked. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. His son’s name? Sir Winston Churchill. but I think people can tell when you don’t remember their names.Lifemoney “No. The name of the nobleman? Lord Randolph Churchill. What saved his life this time? Penicillin. in time. he’ll no doubt grow to be a man we both will be proud of.” And that he did. This not only looks bad. “Yes. Farmer Fleming’s son attended the very best schools and. Let me provide him with the level of education my own son will enjoy. graduated from St.” the farmer replied proudly. Mary’s Hospital Medical School in London. the same nobleman’s son who was saved from the bog was stricken with pneumonia. 156 . Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. If the lad is anything like his father. I can’t accept payment for what I did. and went on to become known throughout the world as the noted Sir Alexander Fleming. the discoverer of penicillin.
Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. Where do you work? Is that right? Sounds interesting. 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. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. These little tricks work amazingly well and are well worth the time it takes to practice them.” Another popular technique is to associate their name with something visually unusual. Brian. One idea is to repeat the person’s name out loud a few times during the introduction. the intangible benefits of having their name 157 .” You get the idea. “glad Brad. “Nice to meet you. you might think “sad Brad” or if they look happy. But if they look like they’re very tired and sad. Brian. If their name is “Brad” and they look like Brad Pitt. 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. but I will stress what’s in it for them: a great rate of return. nice meeting you.People I would suggest you develop a system that helps you put greater effort into this huge priority. For instance. Let’s say for example that I need help with financing a business deal that’s important to me. they will be interested in helping you in exchange. Let’s talk about that sometime. it’s easy. Again. the value of the proposed deal.
energy and commitment – will be that much greater if you provide people with something they want. too. stupid and embarrassed. offer to help. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. whether a free meal. I’m always thinking “what do they want. 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. but the level of intensity – time. when they did help. The winner of an argument in real life is often the loser in the relationship. That only happens in courts in front of judges. All you will do is make the other person feel bad. inferior. If a friend is remodeling a kitchen. a coworker or a friend. they would have behaved differently. a case of beer or concert tickets. …you get the idea. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. how 158 . 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. 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. Remember that getting the support you want depends in part on providing others with what they need. 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. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then.Lifemoney associated with the project.
Wait for your opinion to be asked before shoving it at someone. Let others mention your accomplishments before you do. Always try to look inward to the core issue. don’t tell. Relax.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. Think about someone in your past that pushed unwanted advice on you. Arguments. Often. upset or just want to communicate with someone they care about. Disagreements on the other hand can be powerful sources of new information and a chance to grow. people argue because they are hurt. Show. Don’t brag. Step # 8: Think Before You Speak In any discussion. particularly defensive and mean ones. do nothing but harm. and even then be careful. Don’t act rashly or lash out. no one is impressed. be it personal or professional. be self-controlled. 159 . even if it’s negative communication. Didn’t you just hate to hear that person’s voice on the phone or see her face at the door? Don’t become one of those pushy. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. Speak from a calm center. Don’t speak out of anger. I make a big distinction between arguing and disagreeing. Keep in mind that everyone is born equal and deserves to be treated that way. Think your words through. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. aggressive individuals that think they know it all. Don’t give advice unless it is requested.
Look people in the eye and give them respect when you speak to them. From time to time you may even take the blame for something that isn’t your fault. Just remain calm and don’t shoot your mouth 160 . Everyone makes mistakes and will disappoint you at some point.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. but it’s extremely important. This may seem like a small thing. even after working hours of unpaid overtime. but we all have problems. Some of those mistakes will be at your expense. Always say please when asking for something. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. Shake hands firmly and introduce yourself when around new people. It makes a deep and lasting impression that money can’t buy. but received no sense of appreciation. To get along in this world without becoming an irritating whiner. You would be surprised how far all of this will take you in building relationships. 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. 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. 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. Take courtesy even further. It’s not that your problems are unimportant. Don’t cry or whine over any of this. Step # 10: No Whining Allowed No one likes a whiner. lower your expectations of others and increase them for yourself. but he never called or wrote to say thanks. Or you might have helped a coworker with a difficult project. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd.
Also. being late is a sign of disrespect for someone else’s time. Your word means everything. When people know you are dependable. The person that I was meeting came out and told me that he would not meet with me and would not do business with me because I was late. time is their most valuable asset. Step # 11: Your Word is Your Bond Do what you say you are going to do. Even if it is just to arrive to a meeting at a certain time. 161 . The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. I know this is extreme and there are times when being late can’t be avoided. You never know when you might have to go back the way you came and deal with that person again under better circumstances. 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. more opportunities will be sent your way. but this true story illustrates how sensitive some people are to lateness. As I mentioned. I had an appointment with someone and I showed up 15 minutes late.People off and burn bridges. especially in business. to a successful person. If you can’t be trusted on one issue. chances are your credibility will be shot for all that you do.
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. Problem people often hide in plain sight.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. They can be so-called “pals” who don’t believe in you. while your reputation is merely what others think you are. like fishing or playing cards. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return. or who tell you to give up because you have more important things to do. You probably already know who some of these “avoidable” people are. If it’s someone who is really just negative and brings you down. or that costs you plenty when it does get a running start. They may be hardheaded bosses who refuse to think out of the box. don’t be afraid to cut ties totally. put you down or turn you off. 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. but you have to put first things first if you ever plan to reach your goals. It’s not that you can never enjoy recreational time. They might be an older brother who sets a bad example with his drug use or gang activity. To get rid of the people who will hold you back. because your character is what you really are. If you don’t like 162 .
if they’re far away.People where the bus is going or you changed your mind in the direction you want to take – get off. Just as you must get rid of the people who will drag you down. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. They might be a good friend who listens while you describe the goal you want to reach. the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. quite literally. If they’re nearby. it’s simply a move in a new direction. They’re a little harder to find. In fact. make sure that you’re always riding the right bus for you. or they may be a total stranger. 163 . A motivator can be anyone who trusts you to follow your dreams. Find a new bus or another means to get there. Either way you’ll know these motivators because you’ll feel an instant attraction to them. seek them out. 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. It’s not quitting if you’re the one doing the choosing. as well as your plan for getting there. And the more you hunt for them the more they will be attracted to you. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. Either way. cling to them. It might be a mentor who leads by example or. you must also make room in your life for the motivators.
goal-oriented people who encourage and inspire you. In fact.” -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. Lifemoney Currency “One skill you act on is better than 12 that you don’t.Lifemoney Lifemoney Currency “Get around the right people. Then magic happens. keep using it until you don’t think about using it anymore because it’s so natural. Associate with positive. Don’t move off to try another one until you’ve seen results with the first one. What’s the best way to learn them? Choose any one of these and use it today. This is the best way I know of to master this list.” -Brad Turk 164 .
eventually. you WILL know-how. A huge part of receiving is giving.People Millionaire’s Checklist: Check all the items below that you agree with. I don’t whine. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I always remember the “what’s in it for me” rule. _____ 9. and I often make efforts to give without expectation of receiving anything _____ 4. and then tally your score. although I can politely disagree. Lifemoney Currency “Find people to make up for your lack of know-how and. _____ 6. I have a good sense of which people to pursue and which to avoid.” -Brad Turk 165 . I keep to my word. I am learning to be a good listener. _____ 8. _____ 7. I try to stay calm and avoid arguments. I am taking an active interest in people _____ 3. _____ 10. I make efforts to express appreciation and good manners to others. _____ 5. _____ 2. I understand the value of tolerance when dealing with difficult people.
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 . That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction. whether you believe you will or you won’t – you’re probably right. you'll start having positive results. a well maintained attitude and a “no excuses” outlook. This talks about some of the things I’ve found useful in creating a positive mind.” -Willie Nelson Overview Someone once said.Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones.
and whichever direction you take in your mind will probably dictate your destiny. I figured she would have far fewer worries than other people! In getting to know her. You just have to know that you’re heading in the right direction. 167 . This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. I don’t know if it was her beauty. 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. or do you think that it probably won’t happen for you? This question is like a fork in the road.Positively Thinking Do you believe you can reach your goals. I was amazed to see how miserable she was. Her father had been an executive producer of some very well known films. it appeared she had everything that a person could want. her money. I saw her complaining everyday about what I thought were very trivial things. you create road blocks that stop you from achieving your goals. 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. The Multi-Millionaire Blues A good example of how attitude. He was both successful in his field and wealthy. you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. believe that it can happen and know that you have what it takes to make it happen. or the fame of her dad but everyone in school wanted to be near her. 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. if you focus on the positive. From the outside looking in. On the contrary.
you do have complete control over what you choose to think. Though you have no control over the actions of others. They complain about all the ways in which other people or circumstances are standing in their way. You might feel as though you are destined to continue the long line of defeat. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. It’s not what you have but how you perceive things that really counts. and say. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. Maybe you will be the one family member who can show the others that success is possible? That would be a wonderful Lifemoney gift to give them. 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. Maybe you come from a family with many losers and too few winners. So don’t worry about what you can’t do. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. I heard a few years later that she had attempted suicide. what you attract into your life and your ultimate success. 168 . do. But you may also have skills and opportunities for turning the game around and coming out a champ if you will only take the time to believe in who you are and who you will become if you reach your goals. “He’s the reason I can’t get ahead” or “If that hadn’t happened I would be rich by now” are just excuses for not taking responsibility for their own lives.Lifemoney I stayed away from her negativity and did not associate too much with her. focus on what you can do.
You dream 169 .Positively Thinking Practice turning negatives into positives. there is nothing stopping you from becoming all that you dream of becoming. If you catch yourself repeating the complaints above. In America. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. I was able to become wealthy. If you grew up wealthy – good. I want you to understand that you’re holding the remote in your hand to switch to that channel. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. It starts in your head with your mental remote and plays out in reality. you better change your mental channel.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success.” Your mind is yours. If you feel yourself beginning to argue with me. 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. Change the channel and play the role starting now. Lifemoney Currency “Just can’t live that negative way…make way for the positive day. You have even more desire to do better than others may have. so use it positively. 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. STOP! Forget the excuses! If you grew up poor – good. You have the resources others don’t have.
Get your mind on the right channel and the body will do its part to follow the plan. It was the mental focus on all that he did that made him the best in his field. and explain how you will avoid one of those failures in the future. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. took it on as his personal goal. 170 . Failing does not make you a failure if you let it teach you lessons.Lifemoney it. write down a lesson you learned from this failure. and owned the feeling of a champion. you have a smart plan. Failure can be a very positive experience if you dig through it to find a good lesson. This is the way you turn negative experiences into a positive ones. Obviously. Goal Achievement Exercise T Take out your Workbook. that had to be coupled with hard work and long hours in the gym. He visualized it. Arnold Schwarzenegger went into every competition thinking he was the winner. and guess what? It’s yours. The mind rules over every part of the body. List five failures that caused setbacks in your life. you implement your plan. Do it and watch how your outlook brightens. you work hard to get it. Also. but he said that all the intense effort and workouts did not give him the extra edge that he needed. This attitude and confidence spread and led everyone else to believe the same.
Negative people complain about things and positive people fix things. But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking. It usually doesn’t happen overnight. Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by. -Thomas Edison Don’t Complain . go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success. would you handle things differently? If so.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”. Understand that a positive mindset happens first. If you want a piece of the action. They have a mental certainty that what they’re doing will lead them right to where they want to be. but it does happen. Rather they give years of their lives charting a positive course and expecting greatness. Looking back have you been a complainer or a fixer? If you had it to do over. 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. Which have you been? Be honest with yourself.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. a Donald Trump in real estate or a Jay-Z in the studio.
did a previous employer offer to pay the tuition for you to return to school. especially if it was a thought that stopped you. How do you do that? You’ve heard me say that we cannot always control the events in our lives.Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. like drawing. Begin positive. an inspiration. and never feel played out. get it in positive ways by becoming an encourager. Make a mental note not to miss these kinds of opportunities again. Begin using positive thinking to search for new ways to impact your life. The solution is to stop complaining and fix your attitude. stay open and be ready to jump into action. and get frustrated. 172 . The same is true about anxiety. Why? Negative thinkers typically think that they’re stuck and will be miserable forever. These are all signs of a distressed and negative mindset. but you didn’t go? Perhaps you thought “I’m too old” or “I don’t have the time right now”? Maybe you failed to follow up on a special talent or skill. and a role model. Positive thinkers are always focusing on ways to positively impact their world. start looking for what you can get. If you want people’s attention. Is stress holding you back? Stress is often closely linked with a negative mental attitude. that a former teacher encouraged because you secretly had no confidence in your ability. Instead of whining about what you don’t have. People are much more likely to admire and support you if you adopt this mindset in your everyday life. but we can control our responses to them and the actions we take as a result.
make a new list of potential opportunities for the future. That’s a great first step in positive thinking. or relationship opportunities. These could include lost academic. Make the list with a new sense of optimism and hopefulness. cultivating new relationships (or restoring old ones). overcoming a bad habit. Make a list of opportunities from the past that were missed due to negative thinking. When you’ve completed this list. Lifemoney Currency “Attitude is a little thing that makes a big difference.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. anyone can start from now and make a brand new ending. employment. 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.” -Winston Churchill 173 . developing new skills.” -Anonymous Goal Achievement Exercise U Take out your Workbook. Include options like going back to school.
Helen Keller. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. or at least their little piece of it. 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. Positive thinking sets them on a course for achievement. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. whose deafness did not stop him from composing classic musical compositions. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. Some famous examples include Beethoven. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. I never had a crisis that didn’t make me stronger.Lifemoney The Key to Success? Live Out Of Your Car Positively thinking is about believing in yourself enough to do anything! What do the following tremendously successful people have in common: Hilary Swank. 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. who minus sight and hearing became a model of inspiration to others.” -Lou Holtz. football coach. broadcaster 174 .
What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. You may submit a proposal and wait months before 175 . most people in your audience would rather die than speak. Then take on life without apology or embarrassment.Positively Thinking Worst Case . who is going to think twice about your errors after they arrive home that night? It would never happen.Best Case Try this experiment to create more positive thinking. And if they did laugh. Don’t be intimidated by life situations like this. 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. Think about something that you are afraid to do because you think you might fail. Instead think in terms of best case/worst case. Lifemoney Currency “The only disability in life is a bad attitude” -Scott Hamilton Keep It Moving Unlike a great speech where you get immediate feedback. so you’re already way ahead of them. So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. many of our efforts don’t bring immediate results. Most people don’t remember what even great speakers say! Besides. so what? Who cares? Besides.
Stay positive by remembering that lesser. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. Without those first small steps there could be no end result worth noting. She’s probably like all the others. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. Think of it this way: you’re going to have to spend the day in some way. 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. Everyone faces down times. lack of feedback can lead to negative thinking. The way to get over them is to keep it moving until something positive does happen. 176 . It’s time for a change.Lifemoney getting a reply. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. Unless you’re prepared to wait. This relationship is going nowhere. Had I let negative thoughts overtake me during times when it felt like I was not getting anywhere I wouldn’t be where I am today: a self-made millionaire still young enough to physically and mentally enjoy my success. Do you ever catch yourself saying negative things in your head? It’s human nature to soak up some of the negative energy surrounding us. Teach yourself to stay positive even if nothing great appears to be happening and keep it moving anyway if it is helping you reach your goals. why not be positive.
going back to college at 40. especially if others are telling you it won’t happen. the faster your mind will change into a direction that goes forward. The idea is to simply stop thinking negatively and to find something good to say “yes” to. The key is to quickly counter the negative talk the instant you recognize it. trying to get into graduate school. Or maybe the girl has a habit that reminds you of someone you used to date. Are they entirely accurate – or just knee-jerk reactions to momentary troubles? It might simply be that the relationship is too new for either person to know where it’s headed. But that is the time to push the envelope to reach your dream. Really look carefully at these statements for a moment. it may seem unreachable at first. For example. They rob you of positive energy and momentum. 177 . or climbing to the top of your profession may seem unachievable at first. Create a Repeatable Success Thought When you set your sights on a distant goal. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. We ought to try a little longer in case this turns out to be something good.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. I’m going to call her and plan something exciting.
I will speak up at today’s meeting.” (Too short and vague) 178 . “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. Don’t write long sentences or anything that is too short or vague. I will take my wife to Hawaii next year.” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence. write down positively phrased replacement terms you can use as success thoughts. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. “I’ll stop spending. I do not need second helpings. the sooner you will believe it. The more you say it. Goal Achievement Exercise V Take out your Workbook.” (Too long and detailed) 2. To avoid negative self-talk and track negative thoughts. Make your success thought as specific as possible.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. Be specific and limited. and repeat it often. Nothing can block my success. I call these “success thoughts. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1.
update the success thought for a related goal. but the important thing is to think positive.” (Positive. such as. but you have to think positive. detailed and valuable) Use your imagination to come up with more positive statements like these. When you fall down. it’s how you view them and what you do about them that matters. pre-recorded message that reminds you to stay on track. “I’ll pay my balance each month. “I won’t charge more than $50 weekly. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance. Lifemoney Currency “Anything is possible. After a few weeks. Instead. Everyone makes mistakes. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. and you have to fight. 179 . “I’ll use just one credit card.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. specific and helpful) 2.” (Positive.Positively Thinking These thoughts are both non-specific and vague – You’ll stop spending for how long? Forever? Neither of these statements will be particularly helpful in the real world.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach.
Don’t let anything keep you from getting it. Although others may have held you back at one time or another or you may have to seek help to reach your goal. 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. Keep focused on what you want.Lifemoney Don’t let past failures hold you back. Think about the things that are positive in your life. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains. remember that you are responsible for how your life turns out.” 180 .
Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. I am learning to manage personal and job-related stress by positive. I refuse to hold on to negativity and past misbehaviors. I am making consistent efforts not to complain.” -Brad Turk 181 . I will not let others’ pessimism interfere with my plans to reach my goals. _____ 7. _____ 9. I can see how past accomplishments have prepared me for the future. but rather. I will continue viewing myself as a winner. _____ 4. and then tally your score. I keep moving ahead even though I’m not getting immediately rewarded. _____ 1. proactive thinking. to fix my situation. some view the glass as half full. _____ 2. I am watching for opportunities to say yes to. Lifemoney Currency “Some view the glass as half empty. _____ 3. I will act as if I’m in the role I want to play. I repeat success thoughts to myself as often as possible. _____ 5. _____ 6. not a loser. with the waiter on his way over to fill it up. I view the glass as half full. _____ 8. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 10.
Not true. it just doesn’t come naturally. They say I have broken every bone in my body.” -Evel Knievel Overview Few of us do well with sacrifice. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. We want it all. I shattered my pelvis. When you recognize that sacrifice is frequently a part of success. Successful people know that dreams don’t come pre-packaged overnight. We want it now. If we could find a way we’d have it yesterday. I forget all of the things that have broke. I had surgery 14 times to pin and plate. 182 . But I have broken 35 bones. it turns denying yourself into investing in yourself.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries.
to get his first film project. would you? 183 . Go into Debt and Max Out Your Credit Cards Are you willing to max out your credit cards and assume massive debt to get where you want to go? Before I go any further. It’s a real risky strategy but sometimes when you believe in something strongly enough. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying. She’s Gotta Have It. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants. Spike Lee knows that sacrifice can pay off . but I can tell you that Spike would probably say yes. This much I can tell you. there are people who were born in this country who complain about the lack of jobs. rigorous job to get where they want to go. Within a generation. some become millionaires. off the ground he did just that.000 to make the movie and it grossed $7. store or business. sleeping just a few hours a day. grateful for the opportunity to have all the work they can handle. They lay everything they have on the line. It cost him $175.Sacrifice Borrow. Yet. They are simply unwilling to sacrifice anything to get where they want to go.big time! Big or small. But if that was the only way. I will tell you right off the bat that I wouldn’t be. Why? Because they work hard.100. Since then Spike Lee has produced at least 22 other films that have made over $433. Ask filmmaker Spike Lee. Some work two and three shifts for years at a time.000 in domestic box office sales. Many immigrants come to this country with nothing but the shirt on their backs.000. sacrifice is often a part of any success story. you have to make those kinds of sacrifices. Was the sacrifice worth it? You’d need to ask him. In 1986. saving every penny to open a restaurant.000 in sales.
Pulitzer Prize winning political cartoonist. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. Lifemoney Currency “Judge your success by what you had to give up to get it. There were no shortcuts to success. 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. at almost any cost.” -Dali Lama Sacrificing for Success Mike Luckovich. He had to sacrifice his nights and his only free time in order to get where he wanted to go. took a job as an insurance salesperson straight out of college. 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.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals.
But he stuck with it. list three things you now do. 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. What do you have in your life now that is expendable. You have to be willing to do whatever it takes to claim them. They are costly and precious. if becoming more physically fit is one of your goals. Ideals are not cheap. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return. and giving up your weekly poker game to play tennis. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. and/or enjoy that you are willing to part with in exchange for your goal.. Below the goal you just wrote. He could have taken the easy route to avoid jail time. have. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. For example. Goal Achievement Exercise W Take out your Workbook. However. 185 . or he might have gotten discouraged and given up. $100 per month for a gym membership. improving the lives of millions of people. Choose one of your goals and write it out. and I can’t make up your mind for you. etc.Sacrifice Martin Luther King. I am committed to helping you get where you want to go.. Jr. List the tradeoffs you are willing to make to reach one of your goals. your sacrifices could include six hours of your time each week for daily workouts. and you will have to be ready to give it when the time comes. spent months in prison rather than surrender his belief in equal rights for all people. or is your goal just a casual want? Only you know.
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.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. If you could just reach out and get them today. you proudly go out and purchase the gift. when you do reach your goals. presenting it to your friend or loved one with a sense of tremendous accomplishment. Success has value because you have to work for it – you earn it. Which one do you think 186 . But as we’ve seen that’s not always the case. They’re both chasing the same dream: business success. Imagine a scenario of two young women. you eagerly add a few dollars here and there to save up the needed amount.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. 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. 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. they will mean the world to you because of what it cost to reach them. Whether it costs $20 or $200. But after years of careful thought and unwavering perseverance. there would be no effort or cost attached—and they would mean very little. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. When you get enough.
“anything worth having is worth working for.Sacrifice appreciates the success more? You know the answer. Find the non-essential time-eaters in my life and eliminate them. Develop a needed skill through a second job.). Why does she appreciate it more? It’s common sense that when you pour out your own blood. or run into problems. volunteering. Invest a certain amount of income toward reaching my goal(s). you have already begun to outline some of the goals you hope to reach and have created a plan to get there. etc. or do you have more of a take-it-or-leave-it attitude? The importance you attach to your quest will determine the amount of energy you will spend to reach it. But no plan is complete without counting the cost of reaching your objectives. money.” Do you feel that way about your road to success. That cost is part of the joy of success. Period. • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. In planning for your future. Are you ready to figure out what it will cost in time. Get feedback from those who already have accomplished similar goals. Put less important things on hold. You’ve probably heard the saying. at least temporarily. have a question. sweat and tears for something you’ll own it in a way that nobody else can appreciate. Seek help when I get stumped. or taking a class. 187 . write a book. 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 will have enough for today and tomorrow. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals. Underachievers live for the day and overachievers live for the future. The wealthy will have enough from current savings and investment plans. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. but less than twenty percent of the population do so. there will be nothing left.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. If you spend all you have. It’s a simple fact of life. But if you save and invest it. 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. 188 . 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.
When you think about it. Make sure that those things on your list are things you really want to do. every other week. we collect paychecks every week. Let’s build your ability to delay gratification. go shopping. Do this exercise well and discover how much more you get done and how much better you feel. In other words we’re doing it anyway. All of these things take patience. list something you will get done before you have your fun. For example most of us don’t get paid for our work at the end of each day.Sacrifice Delaying gratification is something you get used to. This might challenge you and be a little difficult. When you have successfully conquered the need for instant gratification. Often we don’t find out about a medical test result for several weeks. Then underneath each item you expect to give yourself today. etc. many areas of our lives undergo postponement. 189 . Goal Achievement Exercise X Take out your Workbook. which in the end brings it own kind of reward. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. play tennis. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. It might be go for a walk. Instead. eat some ice cream. or at the end of the month. watch your favorite television program. List two or three fun things you want to do today. List one or two tasks you will have to complete before you get your reward. almost any achievement in the world will become immediately more achievable.
So do it. Many goals that seem hard at first become easier once you get momentum established. family.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. Devote fifteen to thirty minutes several days a week to your goals. so you will never miss the amount of each savings account deposit. this could involve reading. the results will come. doing 190 . The same is true for working toward your future goals. Finding time to work on long-range goals may seem impractical. you can arrange for a direct deposit straight from your paycheck. say $25 per month. making community contacts. But you won’t know that until you pull the trigger and get moving.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. and social activities. then I can expect halfhearted results. Most of us lead busy lives. Because I know if I do. and it may seem difficult at first to find enough extra income to make regular deposits. I don’t do things half-heartedly. especially if you begin with a reasonable amount. But actually. Just do it. Start small. We barely have enough time to get through a typical day with the demands of work. pulling the trigger and going for it. setting aside time for future rewards is like making deposits in a savings account. You may be reluctant to open a bank account. Depending on what you hope to achieve someday. But with a little effort.
’ but he didn’t know which half. that if you can’t tell which half. Naturally. from the inside out.Sacrifice volunteer service. Everyone has to pay their dues as they work. keep in mind that you may have to work through several levels of effort to reach them. And keep pulling the trigger at each “next” level of achievement you’re taking. For example. Remember that one of the keys to success is to learn everything about the role you want to play. of course. You put in 191 . visit with your representative. Pull the trigger already. or volunteer as an aide to learn the ropes. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. you will be rewarded. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. if you want to get involved in local government. None of those tasks took a long time – but each one was a step toward realizing a goal. this means you’ll have to give up something in exchange for this valuable daily time. Life is a bit like that. Whatever it is you must give up. fully aware that not all of it will produce rewards. Whatever your goal. Sometimes it seems unfair. But if you keep pulling the action and sacrifice trigger. you may need to first attend some political rallies. do it. 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. then you have to keep on doing the whole lot. 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. so pull the trigger now and get your show rolling. His point was.
Lifemoney loads of effort and get nothing back. you have to keep doing the 100% because you don’t know which bits will pay off. 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. You work up a sweat. and others cruise it. It reads: 192 .” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work. but you’ll probably never know which efforts are being rewarded -.and which aren’t. It’s a simple lesson that has never failed to produce great results for me. Lifemoney Currency “I wasn’t going to be one of those people who died wondering what if? I would keep putting my dreams to the test—even though it meant living with uncertainty and fear of failure. Well.or for what -. The lesson is that you must continually give 100% effort in the direction of your dreams. You’re polite to people and everyone seems rude back. This is the shadowland of hope. and anyone with a dream must learn to live there. Your efforts will be rewarded eventually. I know it isn’t fair.” This quote summarizes a great lesson I’ve learned throughout my successes. but then life isn’t.
Are you prepared to follow this through.” The emphasis is on the preparation. It’s not nearly as bad as you might think. we have to figure out which ones we want most. Maybe they should. and someday my chance may come. The good news is that if you’re in love with your dreams and want them so badly you can taste them. no matter what the cost? That question hangs in the air several times during the movie as all the men do a gut check as to their willingness to take down the feared Capone. the whole process of success becomes easier. and then force ourselves to work hard for them. At the climax of the movie. but they rarely do. having been mortally shot. One of my favorite movies is The Untouchables. 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.Sacrifice “I will study and get ready. an Irish cop played by Sean Connery. the work doesn’t seem like work. In the movie. if you build your Lifemoney. Nobody wants to hear about effort and work and sweat. Good things don’t just happen to us. In addition. Those people just don’t exist. and if you love where you’re going you can know ahead of time that you have a lot of pleasure ahead waiting on you. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. What are you prepared to do? 193 . one of Ness’s fellow agents. Instead. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. 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. Sacrifice is sort of the dirty word of success. then he dies.
at almost any cost. and some require harder work than others. In the end. Keep your eye on the prize and focus on what you’re going to get in return.” -Wayne Gretzky 194 . to reach out and grab your future? Don’t spend the rest of your life wondering what might have been. 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 Currency “One hundred percent of the shots you don’t take don’t go in. Be prepared to give up more of what you have to get more of what you want. 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. Only you can decide what you are willing to give up in reaching your goals. But if you keep putting in the effort. the payoff will eventually be seen.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. focus on “what am I going to get in return?” Investments of time or money are long-term deals. But don’t dwell on the negative aspects of “what do I have to give up?” Instead. sacrifice pays off.
Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. and then tally your score. _____ 5. I am prepared for life. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . I have identified several things in my life that I must sacrifice for success. I will put forth 100% effort at all times. I am pulling the trigger on my talent today. _____ 4. I am willing to set aside less important activities to focus on my goal. I have calculated my goals’ financial costs and scheduling adjustments. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 2. I am willing to pay the cost that is required for me to meet my goals. ____ 10. _____ 9. _____ 1. I believe that planning for the future is as important as getting by today. Some of my goals will require that I hang tough. _____ 3. _____ 8. I am learning to delay my gratification for both the present and the future. _____ 6. _____ 7.
J Overview Having patience is a key ingredient to successful living. tension or frustration.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.” -Don Williams. I mean the ability to sit back and relax while waiting for an outcome. By patience. 196 . 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. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. without experiencing anxiety. It is the ability to let go of the need for immediate gratification. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. not the destination.
unhappiness and sometimes even anger. you run the risk of anxiety. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say. 4) I hate having to do or say something more than once. 3) I can’t stop for even a second until I reach my goal. Accept that you don’t need to rush things ahead of their time and keep the belief that your day to day efforts will pay off in the long run. When you force efforts.Enjoy the journey 2) I will never get to all the things I have to do. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. I have to be honest with you: I happen to be a very impatient person. But I am careful to differentiate urgency. which can be very destructive. 5) If something doesn’t work immediately. How do I differentiate the two? A sense of urgency is a good and powerful 197 . without which you are going to suffer. Gradual change and growth give you the greatest chances for success. This can further result in losing important things like business relationships. which is a powerful force that gets things done. When you stress yourself to create results too quickly. I’m going to move on to something else. This is one of my personal flaws that I am working on. from impatience. jobs and friendships. the results just won’t last long. 6) I just don’t know where to start . It’s as if patience is a simple building block of satisfaction. There are many negative consequences on health. relationships and personal growth when you lack patience.this task has two many steps. you need to be patient and wait for your results.
Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards.Lifemoney tool. I’d brought on an investor to put up the money for the deal. And this is probably true for you too. I have an unrealistic expectation of speed. I need to clear it from my mind. I told 198 . Based on where I was in the process and the faith that I had in my contacts in Mexico. For example when I take on tasks that are really time consuming (this book for example). There is no way a sense of urgency can create the satisfaction of writing a best seller (let’s hope this will be) instantly because of the timeframes involved in the task. It’s a quality that helps me act quickly and get an enormous amount done. This is a struggle for me as it might be for you. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. But when urgency is applied to things I can’t change. Mexico. 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. If I’m not careful this can create impatience in me. It seemed as if I had finally worked out all of the points (including the pricing) and that all that was to go to Mexico and sign contracts. and don’t let the things I can’t control stress me out. If I can’t change or alter a situation. I can’t control those timeframes. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. urgency turns damaging and can lead to senseless and sometimes destructive impatience. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me.
6 million already invested in the equipment needed for this project. he decided to partner with me and put up the $1. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. me not speaking a word of Spanish (or only enough to order dinner and maybe get directed to a bathroom) and no deal on the table. Outraged by what transpired. and then I left the meeting. regroup and come up with a game plan.000 that was needed to get this project going. I immediately extended my trip from 2 days to a full week. $1. So there I stood in Mexico.6 million dollars. I flew down to Mexico for my big meeting and to sign paperwork. There was so much I had no control over. and patience was number one. a partner who trusted me enough to put up that $1. 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. 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.600. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . When I sat down in my meeting and went over the paperwork that they had prepared.Enjoy the journey the investor where I was in the deal (just going to finalize and sign paperwork) and had given him the price points that were worked out. Based on the trust that I had built with the investor on past dealings. I wanted this deal done. It took all the Lifemoney lessons I talk about in this book to get me through this situation. I picked up my things and told the company I was meeting with that I would look over their new terms.
I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. I would have never completed this deal that wound up being a very successful project for me. 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. • Stay busy. 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. Focus on the results and not the task. • Reward yourself for completing something difficult.Lifemoney had met with. reevaluate your objectives and make your goals more realistic for your needs. I wound up getting an even better deal than I would have initially. 200 . So what should you do to be more patient? Make an effort to keep track of the following things: • • • • Break large goals into pieces and focus on one piece at a time. Why? Because I was patient and focused on controlling what I could control. If your goals don’t seem to be on track. Do something fun and celebrate your incremental success. Look at the things you have accomplished to date. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. If I did not have the patience to stick this out.
For example. Don’t take time for granted and let your life pass you by. Chances are you will look 201 . We need to count our blessings and enjoy what we do have and make the most of every day. Here’s a very personal technique I rely on to help me enjoy the daily journey. Are your problems really as serious as you think they are? I think about my problem and imagine how it will affect me 5 years from now. will I even remember it? How will it affect my life? Try it! Either take a problem that you are going through now or remember one from 5 years ago and see what came of it. If you do. The 5 Year Test Another very effective technique I use is the 5 Year Test. I open the window or take a walk outside and enjoy it. You need to live today like it was your last day and plan for tomorrow as if you were living forever. you will wake up and have missed out on what life really has to offer. When I am having a bad day. 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. I’ll realize today is beautiful and I should appreciate my health. Who said life has to be hard? It is only tough if you make it tough. I’ll think back to a time that I was sick in bed just wishing to be healthy to be able to be outside and enjoy a beautiful day. before you know it. Think of all the fun and excitement you will miss if you don’t savor every moment.Enjoy the journey Enjoy the Journey The purpose of life is not to work hard for 40 years and be miserable so that you can retire at age 65 and enjoy the last years of your life. I find something to make me realize that it’s not as bad as I think it is. You need to start enjoying a little everyday. In 5 years looking back at the issue.
A good meal. so we need to make the most out of our time. Getting fired from a job? That may be a blessing in disguise. Now. that when you look back on. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. a joke. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. A death in the family is terrible and needs grieving. or listening to good music should be enough to keep us going and to get us over daily disappointments. it probably has no bearing on your life now at all. Don’t let one day pass you by without appreciating something that you may never have or see again.” Do you remember your first break up? No matter how sad you were at the time. spending time with friends or family. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. 202 . they seem unimportant. You will remember that in 5 years. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. 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. Time moves faster than we all want to believe. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook.
. dancing.. In a chapter entitled We Talk About The Perfect Day. Don’t overlook the obvious in your quest for the brilliant." he is asked. I was actually a little disappointed. at the end of the day what is truly important may be the simple.Enjoy the journey In the best-selling book. unable to move a leg or a foot . Albom asked Morrie a question: "What if you had one day perfectly healthy ." Morrie replies. And going home and having a wonderful sleep.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea.175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals. author Mitch Albom visited a former professor.how could he find perfection in such an average day?" Then I realized this was the whole point" (p. a swim. 203 . 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. talking with people. "That’s it. "That’s it. Tuesdays With Morrie. unnoticed things we do all the time. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. Morrie. After all these months. a walk in the midst of nature. "It was so simple. friends over for lunch. going out to a restaurant for supper. So average. lying there.
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. there is always someone with less doing more than you.” -Brad Turk Appreciate what you have and don’t complain and make excuses. I know successful people who are making it big in things they don’t care about. Think about the person who is working outside in the heat. the people who fail find excuses for why they can’t. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. Some people complain about going to work when they work in beautiful air conditioned offices. better yet. 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. But I do agree that passion helps. Don’t make excuses find solutions and make it happen. In other words. The people who succeed find reasons why they can do something. It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated. 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. In the process appreciate what you have and enjoy it. I think people are 204 .
Then one day he 205 . then look hard to find something you’re passionate about and consider a career change now. 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. Sometimes the ends do justify the means. If you can’t stand doing what you’re doing. see your job as your vehicle to get you someplace else. 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. Day after day. Try to create an external world outside of your business that enables you to have fun. My suggestion is that if you have a good job for which you don’t feel a lot of passion. He hardly noticed the leaves turning colors outside his small window. In fact.and create some financial success that can free you. 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. 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. There is a story about a young man who wanted to become a famous writer. be stimulated and enjoy life…. writing one manuscript after another and firing them off to the publishers in hopes of being accepted. But whatever you do.” At least that’s the way I am. he locked himself into his attic office and plugged away.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. 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.
Walking through one room after another. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. and have moved out. the man. The moral of this story is that success by any means doesn’t always “mean” success. 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 went downstairs and was amazed by the quiet that filled his whole house.. in checking the mail. Don’t stop yourself from relaxing and recouping. As he got angry when she did not bring the mail at exactly 2 p. If you are stiff and focused on a goal and have such blinders on 206 . Again. they were all empty of his family and furniture. It could be a ten minute break to get a cup of coffee and stretch or it could even be a week off to take your mind off things and have some fun. Renew your energy. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money. List 5 things that you are going to do to ensure that you are enjoying your journey through life. Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. found a publisher’s letter saying that his book would be published.m.” Ironically. now middle-aged. Goal Achievement Exercise Z Take out your Workbook. But it had cost him far more than he had ever imagined. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to.Lifemoney waited for his small daughter to bring up the mail. Better luck with your novel. the object is to make your life enjoyable.
you are missing out. It goes by both very fast and very slow. I want my rewards as I go along. because when you’re finally done and outta here. You need to have a balance. If you’ve figured out what you’ll miss the most when you leave. 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. There’s plenty of time to be dead. My motto is work hard. I don’t want to miss out on life to get my reward someday in the future.” -Anonymous 207 . and how to really enjoy the ride. Lifemoney Currency “Enjoy life. This much I know: success without enjoying your journey through your days is pretty worthless. you’ve gone a long way to deciding where to spend your free time. play hard. Take the time to smell the roses. and sometimes the answers you generate for yourself are wrong. Patience and Enjoying the Journey Summary Life is funny. the small everyday things are the things you’re going to miss the most.Enjoy the journey that you are letting life pass you by.
and plan for tomorrow as if you were living forever. I will practice the 5 Year Test I will not stress over things I can’t control. I will have urgency in my work and patience waiting for my results.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 1. I will not take for granted what I already have. _____ 5. giving yourself 10 points for each checkmark and 0 points for any left blank. I will break goals into pieces and patiently work on one piece at a time. I will take time to stop and smell the roses. _____ 9. _____ 3. I believe my day to day efforts will have an effect in the long run. _____ 2. _____ 7. _____ 8. I will find something positive out of everyday. _____ 4. I will not wait until it is too late to enjoy my life. _____ 6.” -Brad Turk 208 . and then tally your score. _____ 10. Lifemoney Currency “Live today like it was your last day. I will take a break from time to time to rejuvenate and enjoy my life.
101 Affirmations 209 .
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