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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....
...............................................13 Getting Focused....................................................................................................................................................................47 Get Rid of It! ..............................................................11 Learning About Business.....................................24 Want to Succeed? Sleep Late!..........................................................................36 Millionaire’s Checklist: ................................33 You Are in Control....................................................15 This Was Only the Beginning ....................................................................39 Don’t Be a Stranger (To Yourself)..48 Buy Stock in Yourself .....................................................................................................................................................................................................................................................52 A Fish Story ...................................42 Goal Achievement Exercise C ....................................................................................................................................... Inc...............................................27 Find the “U” in “SUCCESS” .......................................................................................................................................................................................................................................................... Inc......Table of Contents Introduction: Millionaire by 30....................46 Goal Achievement Exercise D...................... Not Cash) ..............44 What Are Your Limitations?...........................................37 Lifemoney Lesson # 2: Knowing Yourself ...........................................................................................18 Heat Wave Tanning..........................................................................................................6 If I can do it… .............................................53 Can You Dunk?........9 Looking for Motivation ...........28 WHOSE Dream Is It.............50 Goal Achievement Exercise E .................................................................................................................................................................... Inc.........................................................6 My Early Years .24 Overview........................................................31 Goal Achievement Exercise A............................. ..19 Self Made Records.............................................23 Lifemoney Lesson # 1: Defining Success...................56 v ..........................................41 Goal Achievement Exercise B ...............................................................................................................................................................................................................................................................................38 Overview...................................................................................................................................................... Retired by 35: What Lifemoney Means to Me................................................................34 Defining Success Summary .................................................................................................................... Too!......................................................................................................................................................................................................................................................................................10 Knowing Myself....................8 Persistence Pays Off .......................................32 Win Life’s Lotto (Real Wealth is Measured by Achievement...............24 Success on Your Terms .......................................................................................................... Anyway? ...............................................................................................38 Sometimes It’s Better to Strike Out .......................51 Make Less .................... ..................17 Global Business Solutions.............................................................................................21 …You Can Do It................... / MyMusicSite................................39 Who are you? ...................................................... 1 My Lifemoney ..............................................................................................................................................................................................Find More......................... 6 Overview.................................com ..........
................................................59 Overview..............................................................................................................................................................................................................63 Goal Achievement Exercise G...............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................81 A Successful Person’s Tool Belt ..............................................................................................81 Tool #1: Focus ..................................................101 Overview......................................................................................................................60 Start by Writing a Goal.....What If You’re Way Off Track?......................59 Step Up ...................................................................................................................................95 Gathering the Tools for Success Summary...................................................... 118 vi ....................71 Three Huge Obstacles..88 Goal Achievement Exercise L ........................................................................ 111 Evaluating Your Progress Summary .........98 Millionaire’s Checklist: ................. 101 Progress Report ............................................................................................................................................ 116 MacGyver It!............. 105 Maintaining Your Course ................................. 100 Lifemoney Lesson # 5: Evaluating Your Progress .............................................................116 Overview..............................................................................................57 Millionaire’s Checklist: ............................................................................................................................................................................................................................................................................... 110 Goal Achievement Exercise N..................................................................79 Lifemoney Lesson # 4: Gathering the Tools for Success............................................................81 Overview..................................................................................................... 103 Goal Achievement Exercise M ..69 Goal Achievement Exercise J ..........................................................................66 Goal Achievement Exercise I .......................................................................................................................................................................................................................61 Goal Achievement Exercise F ................................................................................................................................. 107 O......................................72 Goal-Setting and Overcoming Obstacles Summary.......................................................................70 Goal: To pilot my own airplane ...............58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles.................63 Timelines ...........................................59 A Quick Review .......Knowing Yourself Summary ............................................................................................................. 114 Millionaire’s Checklist: .......................83 Goal Achievement Exercise K.......................................................................................................................... 115 Lifemoney Lesson # 6: Resourcefulness..92 Tool #5: Do or Die Trying Commitment..........................85 Tool #3: Efficiency .............................................................................K…........................................... 116 Can’t Get a Job? Buy the Company! .........................................................................................................................67 Nothing Can Stop Me Now….................................................61 Establishing Action Steps .................................................................................................................................................................. 101 Don’t forget the map! ............79 Millionaire’s Checklist: .............................................................................89 Tool #4: Priorities...........................................................................................................................65 Write It Down ..........................64 Goal Achievement Exercise H...................................................................................................................84 Tool #2: Time Management ..............................................................................
............... 175 Eliminate Negative Self-Talk... 135 Goal Achievement Exercise R ....................................................................................................................................................................................................................................182 Overview........149 Overview........................................... 122 There’s No Need To Grow Up...................................................................... 125 Goal Achievement Exercise O.................................................................................. 130 Resourcefulness Summary................................................... 133 Goal Achievement Exercise Q............................. 176 Create a Repeatable Success Thought .............. 183 Sacrificing for Success .............................................................................................166 Overview........................................................................................Fix It ......................................................................... 132 Lifemoney Lesson # 7: Creativity .................................................................................. Go into Debt and Max Out Your Credit Cards ................................................................................................................................ 166 The Multi-Millionaire Blues .......133 Overview........................................................................................................ 185 Goal Achievement Exercise X....................... 137 Five Creativity Factors ..... 175 Keep It Moving ................................................................. Do It! .............................................................................................. 181 Lifemoney Lesson # 10: Sacrifice ......................................................................................................................................................................... 152 12 Steps for Power with People Summary .......................................... 149 Goal Achievement Exercise S ................................. 178 Positively Thinking Summary ........................ 182 Borrow........ 133 A Lesson From Trump ................................................................................................................................................................................................................................................................................... 173 The Key to Success? Live Out Of Your Car..................................................................................................... 137 Millionaire’s Checklist: ......................................................................... 167 Change the Mental Channel...................................................................................................... 169 Goal Achievement Exercise T ................................................................................ 174 Worst Case ..................... 131 Millionaire’s Checklist: .............................................. 128 Goal Achievement Exercise P ..... 149 Sharpen Your People Skills ................... 171 Goal Achievement Exercise U..... 165 Lifemoney Lesson # 9: Positively Thinking ....................................................................................... 164 Millionaire’s Checklist: ........................................................................................................................................................................... 147 Lifemoney Lesson # 8: 12 Steps for Power with People............. 127 Find An Expert .......................... 177 Goal Achievement Exercise V..................................................................................................................................................................................................................... 179 Millionaire’s Checklist: ........................................... 166 Where’s Your Head At? ...Best Case......................................................................................... 170 Don’t Complain .............................. 184 Goal Achievement Exercise W ............................................................................................................................................................................................................................................................................Keep Looking ................................................... 194 Millionaire’s Checklist: ........... 151 Turk’s 12-Step Plan for Bridge Building........................................................................................................... See It.............................................................................................................. 135 Dream It................................................................................................................................................................................................................................................................................................................. 195 vii ......................... 189 Sacrifice Summary .............You’ll Find It ..........
...............................................................................................................................................................196 Overview................................................................................................. 201 The 5 Year Test ................................................................ 200 Enjoy the Journey.......................................................................................................................................................................................... 198 So what should you do to be more patient? ................................................................ 196 Mañana ........................... 207 Millionaire’s Checklist: ...... 196 Doing Time ................ 201 Goal Achievement Exercise Y....Lifemoney Lesson # 11: Be Patient and Enjoy the Journey ...................................................................................................................................... 204 Goal Achievement Exercise Z .................................................................................. 206 Patience and Enjoying the Journey Summary................................................................................................................................................ 202 Seek Happiness in Simplicity .............................................. 202 GOAL (Go Out And Live)..................... 208 viii ...............................................................
Introduction: Millionaire by 30. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how.” -George Foreman Life comes first. new entrepreneurs perfectly – but can be adopted at any age. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. 1 . Lifemoney will help you understand what success really means and teach you how to attain it. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first. Lifemoney will show you what you really need to live the life you want. Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire. Money is simply a tool to help you get what you want out of life. not money. it’s at what income.
Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . a new home. 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.000 in quarterly bonuses. Part self-help. part how-to. it’s not the job that I feel is prestigious that matters.One of the most unique features of Lifemoney is that it’s entirely personal. it’s the job that makes you happy on a daily basis or brings you closer to your goals. 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. yet most people don’t use the correct tools to get what they want. In this book. if it’s money that you’re after. Imagine having the task of hammering a nail. it’s not the dollar figure I define as Lifemoney that’s important. Would you use your shoe? Would it work? Possibly. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. If it’s career happiness you’re looking for. 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. be it a million dollars. it’s the dollar figure you define. It could be $240 a week or $240. a new job or just a raise or promotion in your current job. For example.400. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. part financial management.000 a year or $2.
not just financial. So who is Brad Turk and why am I qualified to write a book about life or money. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. Whether you are looking to be the next pop star or the perfect housewife. Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . and want to share them with you. some executives. Through my interactions with many successful and famous people (some recording artists. etc. there are common qualities.). The exercises in the book 3 . along with real-life examples you can use to plot your course for success. I have distilled those attributes. My definition of success is simple: Accomplishing what you set out to do. If you learn these lessons – and actually follow them – you can and will succeed. I have been fortunate enough to learn that most successful people share a lot of the same attributes. characteristics and personality traits that you will need to get you there. My schedule and time belong to me and I do what I want with my days. This book will show you what those characteristics are. Instead of concentrating solely on the financial aspects of making your first million. But more importantly. This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life.My Lifemoney WANT. It offers a set of tools.most of whom happen to be multimillionaires. Lifemoney will give you a blueprint for success in all facets of life. used them for my own personal success. I am living the life that I want to live. let alone both? I was a millionaire before the age of 30 and retired soon after.
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. In this book. you’ll find ways of: • • • • • Understanding what success means to YOU Matching what you want with your abilities Learning to go after goals by setting specific tasks with timelines Learning how to focus.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. prioritize and manage time Learning the value of determination and commitment in attaining goals • • • • • • Learning how to evaluate progress and welcome criticism Learning how to be resourceful when overcoming obstacles Learning how to deal with people effectively Learning how to use creativity to get more out of life Using the power of positive thinking Learning to sacrifice some of what you have to get more of what you want • Being patient and enjoying the journey Lifemoney is designed to walk you through each of these attributes. While reading Lifemoney you will become familiar with these attributes. see what works for you and. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. 4 .
Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. 5 .bradturk.com (Code: naNtZB). you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement. This checklist will help you quickly see if you are developing the skills that were discussed in that lesson. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. there is more to life than money but you just can’t live in this world without money. The higher your score – the higher your Lifemoney skill level. 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. list and track your progress. I have created a list (that I use) of affirmations that you can also download for FREE at www. Everyone needs some kind of stimulation and/or support to keep their spirits alive. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it. Clearly. Repeat these affirmations to yourself when you need a quick boost. These proven tools are specifically designed to help you plot.bradturk.com. Sprinkled throughout the lessons are A-Z Goal Achievement Exercises that ask you to reflect on how to apply what you just read to your own life. Both the Millionaire’s Checklist (Code: BAyyRJ) and the A-Z Achievement Full Exercise Workbook (Code: m3sUMQ) are available for FREE download on my website at www. What’s the answer? Lifemoney.
Through experiences as diverse as being a break dancer. entertainment field and having a 6 . actor.Lifemoney My Lifemoney “It’s never too early…to make your first million.” -Brad Turk Overview I want to take just a few pages to introduce myself. Over the course of my very short professional life I’ve achieved the American dream: I’m young. I’ve found the American dream and retired early. business owner and entrepreneur. If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. salesman. I achieved personal and financial success through various ventures in the telecommunications industry. 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.
Think of the old story about giving someone a fish or teaching them how to fish. Not all of these successes share the exact same 7 . All the successful people I discuss throughout this book including Warren Buffett. Instead. Diddy and even myself have been “taught how to fish” at some point in their lives. whether it was through direct interaction with a mentor or learning from other sources. It’s not that hard really. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. and if you’re willing to be my student for just a short time I can show you how. It is often hard for us to look at a Russell Simmons or a Donald Trump and think we could ever attain that level of success. I did not strike it rich in the dot. You’ll never need to go hungry again.com arena or hit the lottery.My Lifemoney retail tanning salon. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success. That’s what Lifemoney is all about. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. adapting the rules of success to your personal situation. 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. Consider these lessons to be the fishing rod. boat and everything you’ll need for a life of accomplishment and success. These lessons can be learned by anyone. Give someone a fish and they eat for a day. 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. teach them how to fish and they eat for the rest of their lives.
That’s where I first learned about work ethic. It was a much nicer neighborhood. if you don’t care about me and want to jump right into Lifemoney Lesson #1 and see what YOU need to do to be successful. My Early Years I began life in the Pomonok public housing projects in Flushing.Lifemoney attributes. I won’t be insulted. though. I got heavily into break dancing. I learned these lessons by reading books of successful people and from my peers. New York. and by the way. 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. new opportunities. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. Mom didn’t let it stop her. (Oh. best of all. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. my mom and I had moved to Forest Hills. She kept right on plugging away with her 3 jobs. In addition. By the time I was in fifth grade. and no money. new friends and. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . New York. When I got to junior high. rapping and acting. and she was a tremendous teacher. 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 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. You can always come back to me later). There were new surroundings.
Finding an agent to represent my efforts was. not easy. as well as how to contact them.” The do-not-call rule was strongly enforced. not succumb to them. But the first rule of success I learned was to work around your obstacles. They represented such actors as Emanuel (Webster) Luis. a huge child actor of the time 9 . I followed directions exactly and sent my headshot along with a resume to one hundred agents. as you can imagine. I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. a renowned child talent group. I’ve always been a hustler. and I began going into the city (New York) for auditions to try breaking into the business. This is when I first began to learn about the value of persistence. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. I sent the package out to the same agents two times but didn’t get one response either time. Actually. Persistence Pays Off To make it in the acting field you need an agent. I bought a reference book called The Ross Report. the only way to contact agents was to send query letters with photos and resumes. The first agency I visited was Schuller Talent. Frustrated by the lack of response. For starters.My Lifemoney industry. dealing with people. and thinking outside the box. To follow my dream I had to overcome several obstacles. which listed talent agents. In fact. Since my working mom didn’t get home until late I would go alone by train. Most emphasized the boldface message “not to be called or visited. I decided not to sit around and wait for something to happen.
From the corner of my eye I noticed a woman standing in the doorway. Had I continued to wait for calls that never came. As a result. the child actor from television’s Who’s the Boss? Walking through the agency’s door I met a pleasant secretary and introduced myself. Looking for Motivation Unfortunately.Lifemoney and Danny Pintauro. going out near the door where the other woman had been listening. I set out to get answers to my questions. But taking the initiative. and found the success I was seeking. Not surprisingly. I thought that she was listening to what was going on. I returned the following week. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. I might not be where I am today. and signed with Schuller for representation. I often skipped classes. 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 barely 10 . who was extremely nice and reassured me she would get my packet into the right hands. After thanking the secretary. auditioned. She followed me out and introduced herself as “Davina. I didn’t do very well in high school. and when I did show up I didn’t pay much attention. I continued my conversation with the secretary. I turned to leave. I told her I just wanted to make sure it got into the correct person’s hands.” the agent in charge of the group that I wanted to join. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. Hanging out with my friends and social activities seemed more important.
they didn’t want to pay for it. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. But he and my mother told me that they would only support me if I did well the first semester. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. Through hard work. 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. I got accepted. The only thing to be decided was how I would get where I wanted to go. I earned a 3. they explained. The following semester I got a 3. I decided I didn’t want to end up stuck with no way out. I changed my habits and learned how to be a student. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. I realized that my next job was staying in. And. the odds are severely stacked against huge financial success.92. Knowing Myself In time I would become a very successful entrepreneur. I applied for a double major in business and theater and. and was eventually inducted into the Phi Eta Sigma national honor society. Although you can make a good income from acting. It was a great lesson: Not all of success is flashy and easy. I was looking to make a lot of money and enjoy nice things. I had a hard time getting into college. With this pressure from my parents. If I was going to “screw up” like I did in high school. using my acting resume. For these reasons. After getting in.My Lifemoney made it through.88 grade point that term. 11 . I learned early on that being a struggling actor was not for me.
I sent out many demos to try and get people interested. the music industry does not often accept unsolicited 12 . Today he’s a successful actor who can go anywhere and order anything he wants. for lunch one day. I could see the moment in that restaurant as a turning point.Lifemoney I remember meeting a good friend of mine. When it came to making money. as with acting. 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 wanted more of a sure thing than acting. “It’s cheap and it fills me up. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. When he only ordered soup. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. So I took a different route and it has paid off for me. It was a real education. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. the sacrifice has paid off.” I bought his lunch that day. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. As with my junior high acting days. I spent the last years of high school and beginning years of college working toward that goal. That could have happened for me but I knew in my heart it wasn’t MY reality. He answered. But before I fully ventured into business. But. I asked him if he was going to order anything else. I still had some entertaining left in my system. I knew myself and knew movie stardom wasn’t the right route at that time. But his limited income made it clear to me that this was something I did not want to do. For him. a struggling actor. Looking back.
Although no longer in existence they were one of the premiere labels at the time. even when you’re going against the grain. I entered the Pepsi Rap Up the Summer Contest. let alone were successful at it. My goal was to get noticed and possibly get someone interested in working with me. a lawsuit can result. In fact. co-sponsored by 98. I sent in my tape. In this world you have to take opportunity where it comes if it will help you achieve your goals. I kept working toward my goal of becoming a rap artist and trying to learn the business. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. This is exactly how you build Lifemoney. I got a job as an intern (for no pay) working for PolyGram Records. I was chosen as a semi-finalist out of 500 entrants.7 Kiss FM in New York. In 1991. Although I didn’t win the contest. Learning About Business In addition to finding some measure of success in the entertainment side of music. I knew 13 . If the artist believes a later recording is similar to his or her music. A key lesson I learned was that if you want to understand an industry. even for free. This was pre-Eminem and not too many white people even listened to rap. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on.My Lifemoney material. It was validation that hard work could pay off. 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. you need to work in it. I also tried to learn the business side of the industry.
If you want to work in politics. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. my targets would be curious enough to open it rather than throwing it away. BMG. It’s important to understand what you are getting into before you are knee deep. Basement Records. a recording label. And always be resourceful. and access is one of them.” I once sent a sneaker in a box to a record label with the note. For example. But it’s all valuable. There are more important things than money in this world. both the stars .” along with my demo tape.and the men and women behind the talent the producers. You might find it’s not what you expected it to be. Door after door was being closed to me. “I just want to get my foot in the door. no one was listening to my demos and I knew to get to the powers that be I would have to get through to someone. If you want to learn a business.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. The following year I released “That’s Evil Man” on ZOO Entertainment. The access I got taught me lessons I could have never learned anywhere else. For example my rap name was “Sneak. if you want to someday own a bar you should work at a few for a while to learn the business. volunteer for a campaign or move to DC. picked me up and got me signed to BMG for distribution. mixers.the talent . It was one of my earliest stabs at being resourceful. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. It paid off. I figured if I sent a package. It worked. feel free to import ideas from wherever you can find them. agents and managers. learn it from the ground up.
While I enjoyed working in the music industry.” Next Plateau. but in reality there are very few people that make it big – and make the big money. Eventually it went to number 27. The music business seems glamorous. That’s a hard truth to see from the outside. I was finally seeing a dream come true. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. which I did. Getting Focused Looking back on it now I can see all the stair steps that were being put into place for my ascent to success in telecommunications and various other ventures. But the truth is making money is hit or miss and is more often just smoke and mirrors. for more reasons than just getting airplay. actualizing my goals and watching them come to life. 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. You see – I already understood that making money was a priority for me – an important goal. But like 15 . 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. It was an exciting time. In 1994. PolyGram Records. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. 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. It didn’t stop there. full of rich stars and power players. Money provides those things. 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.
Unfortunately. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. I did not find that product to be a perfect fit for me or my personality. Imagine what a retiree would think about a guy that appeared to be 18 years old providing advice on retirement! Recognizing that only true passion creates true results. I decided to make business decisions that would bring me closer to where I wanted to be. and could not fully understand or relate to getting life insurance for protection for other family members. And guess what? I started making more money working part-time than at my day job. I took over a job for a friend as an office manager for a life insurance company. I decided to 16 . The branch owner wanted to train me to sell life insurance. For one thing. In addition. I saw that real estate was more suited to my personal goals at the time. the branch focused on selling long-term care and retirement planning.Lifemoney most young people I didn’t understand what was going on. I did not have a wife or family. After leaving college. I figured if I spent more time on my part-time real estate job. but it was apparent that I was a tremendous asset. I could make even more money. I decided to take my hustling a step further. I understood the insurance office management job completely. I went so far as to get licensed to sell life insurance. I also knew that I had fine-tuned all the systems there to do my job in half the time than I had been doing when I started working with the company. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. Becoming successful. so I pursued this opportunity. Also. How did I do that? I started selling real estate at night. I was interested in sales. Not to sound conceited.
making my own way and even started knowing myself and where my real talents and desires 17 . He reluctantly agreed on a test basis. But my education was just beginning. I also promised him that the quality of the work would not change. the one you’re probably most interested in. 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 began to learn about the importance of defining success for myself. I was doing well enough and was confident enough in real estate to do it full-time and get rid of my “day job. You never know if someone will say yes or no to a question until you ask the question. at the same pay. I didn’t know it at the time but I was to go through many more experiences that taught me how to build and run successful businesses and be happy at the same time.My Lifemoney leverage all that. I made sure I did everything efficiently and wasted no time at all. You never know what people are willing to do – or what you can accomplish – until you try. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly. I guess the company trusted me enough to give it a shot. and I went from initially working five days a week to just one day per week. This would permit me to have two more days to sell real estate. I was putting those early Lifemoney skills into play and getting the same amount of work done in three days as I had done before in five. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay.” It was a risk to leave the security of a full-time job. Best of all. For example. my gamble worked! Eventually. and there was a lot more to learn. instead of just quitting I told him I could do the work in one day that I had been doing in three.
It was basically a mini-version of one of the larger telecom corporations. dealing with people – especially difficult people. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). 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. Especially patience! It was a lot for a young person like me to absorb. 18 . I’d learned that when the big companies couldn’t supply a product. sacrifice and patience. evaluating my progress. Global Business Solutions.07. I was already bringing in a six-figure salary and at the end of my third year there I earned $387. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. I used them to create many business successes.086. At MCI. but the skills that were created in me were worth more than cash.Lifemoney were. and I didn’t hit it big with the lottery. 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. 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. Inc. Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. I was not an overnight success story. resourcefulness and creativity. Rather using the attributes I list for you in this book I became successful in project after project and business after business. I became one of the top salespeople in the nation. like actual cash. they bought it from someone else and still sold it as theirs. But I still had to learn about setting goals.
If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. the customers would want you to do everything for them. Heat Wave Tanning. 19 . I understood that customers loved a one-stop shop.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. I eventually contracted with many providers. and to always be so reliable that I would always be the “go to” guy in the future. I let the customers guide my business. I saw what the needs were and I fulfilled them. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. One of these areas was in the pre-paid calling card business. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. allowing me to sell anything the big boys sold – and better – because I was smaller. lower to the ground and closer to the customer’s ear. remain loyal and protect them as much as possible. When you’re always on the lookout for something new. you or the opportunity. Sometimes you go searching for new opportunities and other times opportunities find you. Inc. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. it’s harder to tell which came first. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. and seeing niches before everyone else.
So I kept the business for two years. 20 . It turns out that people just were going in there to catch a tan. and might one day do again. This was a different venture from my previous forays in the world of small business. made my money and then I sold it. It was like having a puppy at home: you never felt comfortable being far away for very long. The tanning business was a big change for me. I could manage most of it via remote control. The tanning business though was more hands-on. and managing customer issues just didn’t do it for me. But I was discovering that retail businesses require a lot of time and attention.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. I researched the business and found out that it was a very low maintenance business and pretty profitable. managing ten employees. and Heat Wave Tanning was really a great business and a great opportunity in my life. It was exciting. and I decided that I didn’t want that kind of responsibility. I decided to open my own tanning salon. Change is good. maintaining equipment. I told myself: it stretches us. Better yet the business seemed as if it could run itself. grows us. A telecom business like GBS was more “virtual” than brick and mortar. It is definitely a great business that I would highly recommend. Besides. and prepares us for the future. After more research (and imagining that operating that type of business would be fun). I saw a line outside of the place and was wondering what they were giving away. building the place from scratch. But I felt I was ready for that. which was a huge plus for me. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. That is true.
although I brag about being retired. no limits and 21 . Inc. but on my terms. I have been launching companies left and right. Inc.com.My Lifemoney Self Made Records. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. looking to blend business with pleasure. But I can afford to do this because I love it. 2007. Inc. Later I was a college graduate looking to intern for a major hip-hop record label.com Sometimes success comes full circle.com are both my hobby and business. Now I was a successful entrepreneur. I signed some artists to my label and I am currently marketing and promoting them. That makes me happier than I can possibly describe to you. And I love it! Why? Because I’m sailing my own ship with no boss. 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. set to launch in the fourth quarter. In 2007. And what’s best is that I can afford to be patient. / MyMusicSite. friends and family while providing a marketing platform for them to make their dreams come true. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. in reality I’m busier than ever. I am sometimes surprised by all that I have accomplished in such a short time. I will make independent artist’s music easily available to their fans. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. It was a lot of work but it has been gratifying beyond words. Self Made Records. with little to no risk and helping others all at the same time. I am doing what I love. For Self Made Records. I am now in the process of coding and developing mymusicsite. and My Music Site.
satellite television.mymusicsite.com) and is a retail conference location /coffee shop. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee. and snack items.com). In addition to being its creator. I will 22 . The business is called Meeting ExpressO (www. I am also providing a marketing platform for these artists who want to make their dreams come true. 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. I am also in development on another site called MyMusicSite. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating.meetingexpresso.com (www. In addition to that business.com).Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. phone. We will make independent artist’s music easily available to their fans. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. Lastly. 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. and business services.com (www. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. friends and family. I just launched TellBrad. Meeting ExpressO will provide full access to conference rooms which include internet. In addition.tellbrad. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”. break dancing on street corners and hustling for business opportunities. specialty beverages.
And go for it! No excuses. Work on the activities.My Lifemoney also receive co executive credit and be involved with development of the project. Stayed tuned and look for my name in the credits! …You Can Do It. That’s why I’ve written this book. Lifemoney provides you with the tools you’ll need to reach your own unique potential. I’ll tell you how you can do it too! While my story is different from yours and from that of other people. invest your profits and. I have found the common denominator for success. Now. Lifemoney Currency “When life hands you lemons… make lemonade. I will show you how to understand and learn a unique set of attributes you need to become successful. go by some oranges! (Orange juice outsells lemonade by 10 to 1. Keep score of your successes and failures. adapt the principles described in each of the upcoming lessons. Too! I began this lesson by declaring “If I can do it…” without finishing the statement. Instead of sitting around thinking about what you want.)” -Brad Turk You can do it too! 23 . Learn who you are and what you want. sell it on the corner. when they mature.
My first friend. as far as I know. two very different types of success stories.Lifemoney Lifemoney Lesson # 1: Defining Success “You have to arrive at your own definition of success if you ever hope to enjoy success on your own terms” -Brad Turk Overview It’s not possible to attain success without first defining it. Success is never a game of chance and begins with clearly deciding what you are going to make happen. Still. pure and simple. In this lesson I want to show you the importance of deciding for yourself what success means to you. These are the stories of two friends of mine – John and Steve . John. is in no danger of cracking it anytime soon. some might consider him rich 24 . Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you.and though totally different from one another they illustrate what I mean by defining your own success. has never cracked the seven figure mark and.
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. Most days he didn’t have to go into work early and he got to sleep late. John told me that he was really happy with his life. lives with his parents. who on the surface would probably look extremely successful to outsiders looking in. All of my other friends make fun of him. While talking about the future. John. he is successful. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. He did it his way. he also said he was happy with his job. He told me that every night that he goes to bed. John’s parents also enjoyed him being there. He made enough money to live on his own if he wanted to. I have another friend. just as important. He told me he was still living with his parents because he liked living with them. Then one day we were talking and John really opened my mind to something. knows what success means to him. who is over 30 years old.push your idea of success on anyone. They think that he is not responsible. It didn’t bother him what everyone was saying about him.Defining Success beyond compare because he knows himself and. He is truly happy with how his life turned out.and shouldn’t . From a professional perspective. He has a beautiful boat. he found his own success and it works for him. You can’t . Steve. To me. he just took it as a joke. has no ambition and is going nowhere. he has a big smile on his face. He needs nothing else to fulfill his dreams. I have to confess that I kind of agreed with them. several sports cars and a very 25 . he helped them out a lot and felt that his support was needed around the house.
I also know more details about his life than someone seeing him jet by on the track or some of his “not as close friends” spending a weekend with him on his boat. you have completed Lifemoney Lesson # 1. Most everything is owned by the bank and it seems every time I talk to him.Lifemoney nice house. Some people thrive in that kind of stressful environment. Have you decided what your mark is? 26 . Once you define what you want and know what will make you happy. not from without. Steve thrives on the adrenaline of living on the edge. These men are both successes. He is always making maneuvers to try and maintain his possessions. Why? Because they both hit their mark. Being that I know this friend well. he canceled the invite because he was actually selling one of the cars. My definition of success comes from within. 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. just so he can try to keep up with payments so that he does not default on anything. This is success for him. The truth is that Steve lives way beyond his means. Does this sound like success to you? It might. he is in a world of hurt. He is always stressed and always in fear of losing something. He also has to work harder than anyone I know. Before the weekend came. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. I remember one weekend he invited me to go to the track with him to “play” with his cars.
get more and be more. we all want more out of life. Why do they do this? They bounce around because they’re not prepared to 27 . No matter your net worth or social standing we want to do more. Success means different things to different people. Although some people get lucky in attaining success. Like fingerprints. They go from idea to idea.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. We have no control over our path and our lives can become haphazard. you own it. trend to trend. With the exception of my friend John who I just mentioned. They subscribe to magazines they never read. most successful people (whether consciously or not) have a system. we are on a journey without a map. They start up home improvement projects and don’t finish. I think this is important because I see so many people who spend their lives wandering. 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. But becoming – and staying – successful can be tricky. There’s simply no future in succeeding for anyone other than you. If we don’t define success for ourselves. fad to fad not really knowing what they want and drifting with the flow. It becomes yours. For the most part. you’ve taken the first step to taking your life back. What works for some doesn’t work for others and what works for me might not work for you. strategy or plan they stick to in order to reach their ultimate goals. Success takes personal planning and some work. most people are still on their quest for success. They buy gym memberships and never use it. When you define success and what it really means to YOU. When you define success for yourself. our definition of success will be individual and unique.
You should live your own life and live up to your own expectations. author of Riches Within Your Reach: The Law of the Higher Potential once wrote. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily. for you. you will be fully able to reap all the benefits that await you. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way.Lifemoney take full action. “The first principle of success is desire – knowing what you want.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now. As Robert Collier. and those are the only things I really care about it. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . They live undefined lives. What is it you really want? What.” Plant your own personal seed for success and watch it grow. look past that next job promotion or future company you plan to build. Desire is the planting of your seed. By starting your journey with a firm grasp of your meaning for success. See beyond money and its trappings.” . 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.
What would make you happy? We all define success differently. She has spent her whole life making sure her grades were in order to some day get into a good medical school. Would I live the way Warren lives if I had his billions? No chance! Should he step up his lifestyle and start spending his billions mainly on himself? Absolutely not! He is enjoying his billions and more importantly his life. She sacrificed many nights of going out with her friends and having fun in order to spend more time studying. for example. but successful people have taken the time to really think about their definition of success. She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). He has lived in the same house that he purchased for $31. He is doing what makes him happy. 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. yacht or even a boat. billionaire Warren Buffet. Let’s take.” It works for the second richest man in the world. With all of Buffet’s billions he has always led a simple life. a 22-year-old student who has just received her acceptance letter into the medical school of her choice. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS.500 over 48 years ago. She’s successful! 29 . This is a man who could do anything and have anything and is content to sit home and watch a ball game.
Living off just the husband’s income has not been easy. and employee – or future CEO – because of this personal accomplishment. Sounds like success to me. they have been able to stash enough away to enjoy an early retirement and see the world. I call that success on their terms. they have not missed out on anything they’ve wanted. 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 . While avoiding expenses like costly entertainment or expensive vacations. He’s been a total success. The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. That man is a happier husband. father. agreed the wife should give up her job when the children came along to provide a stable home life for all.Lifemoney A 39-year-old business executive runs his first marathon. along with nutritional meals and emotional support. his self-esteem and confidence increase beyond measure. upon marrying. Then there is the couple that. Although he and his wife share a modest home. Each of these people has achieved success. 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. have resulted in two stable children with above-average grades and well-adjusted social skills.
it is possible to be a successful lawyer without feeling like a successful person. I believe the common denominator in true success is happiness. love what you do. in Lifemoney Lesson #2. if you’re planning on using the family garage to mass-produce your new video game or DVD) the success of your vision ultimately depends on one person and one person only – YOU. but you don’t really want to. So once you have an understanding of what will truly make you happy. That’s why. you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours.” . you’ll be finding out why it is so important to Know Yourself. So let’s figure out how you define success. Even though everyone usually has a different idea of what success means to them. It really isn’t what you have or who you are that makes you happy or unhappy. As you see in this example. you might become bitter or resentful. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. That’s why it is important to understand your priorities clearly. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. Over time. leave the world a better place. what they all really want is personal happiness. you can begin to set goals on the road to success.Jeff Mallett 31 . While it’s a good idea to talk to your family and others who may be impacted (say.Defining Success WHOSE Dream Is It. Lifemoney Currency “Do what you love. If your parents are pushing you to become a lawyer. It is how you view your situation that makes all the difference.
read over your ideas. in your opinion. Once you have this in place. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. but more importantly. so make it handy and easy to access. 32 . I am going to ask you to open this document on a regular basis throughout this book. Explain. the hallmarks of success—money. set a timer for five minutes. asking yourself questions like these. You can use a three-ring binder.bradturk.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. skills. Then start writing about your views on success.com. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. open a document on your computer. 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. and edit if necessary to make them readable and clear. time. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. etc. or download a copy of the Workbook with all the exercises from my website – www.
But you just did. She lives in a trailer and recounts that. won the New Jersey lottery twice. William “Bud” Post won $16.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. I know many people with little or no money. Not Cash) Congratulations! You’ve taken a huge step. now lives on Social Security and food stamps: “I wish it never happened.” Her hand was out. Having come from a “no money” background. something of a statistical freak. Welcome aboard a new life. It was totally a nightmare. at gambling venues. • In 1988. “If I only had money. It’s amazing how some people perceive money as the answer to all their problems.” These beliefs about money are all wrong. What does she have to show for it now? Zippo. “Everybody wanted my money.2 million in the Pennsylvania lottery.4 million.” 33 . Says the man who. in 1985 and 1986. Money in itself does not equal success. Completing this exercise brings up a point I think worth exploring. too. Everybody had their hand out. Her total take was $5. I’d be so happy” or “Everything in my life could be fixed with some cash. they’ll tell you: • Evelyn Adams. We all do. Most people just never make the move to define what they want and where they’re going. after declaring bankruptcy. If you were handed everything you wanted without working for it. Ask the following people. you might find you are still unhappy.
she had filed for bankruptcy and had just $700 in the bank. Goals are not just about achievement. And accomplishing your dreams – your success on your own is very important. the challenge. not a financial figure.the fruits of someone else’s labors . It seems to be a rule of life that if you have good things handed to you . That is true success – at least by my definition. 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. that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily. Understand that a lot of the enjoyment of meeting your goals is in the feeling of accomplishment and satisfaction that comes with hard work and success. Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future. I know you’re probably saying “Yeaaa. Here are several keys to keep in mind: 34 . That’s why Lifemoney is an internal feeling. She shared her wealth with many charitable organizations. and the ultimate triumph of accomplishing a mission. they’re about satisfaction. it’s that amazing feeling you get after finishing a job well done. You Are in Control Success belongs to those who are clear about what it means to them.you miss the excitement. There is no amount of money in the world that can recreate that feeling of accomplishment. And satisfaction is more than being content. but before a decade had passed. To enjoy success you need to earn it.
Publisher’s Clearing House might stop by your house with that big check and. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. it’s also worth doing despite the odds of failure and cost of success. but your dreams are out there. Don’t put your trust in success just showing up. until the value of moving is higher than the cost of those inevitable obstacles. You’ve already taken the first step. it resides in you. Now all you have to do is take another step. It may take months. Most likely it will be bumpy. 3. or it could take decades. together – because you made a conscious choice to pick up a book called Lifemoney. When you lay blame or make excuses. but they do not own your ideas or lay claim to your dreams. you willingly give your power away. that would be incredible. even if the voyage looks choppy. And remember that it’s important to enjoy this journey so keep an eye on the finish line. The power to change is your own. waiting for you to come and claim them. Others have influence over you and affect you. Stop looking outside yourself or to others to explain your failures. 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.Defining Success 1. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. and another. but don’t forget to enjoy the sites along the way. Success is not a game of chance. You are here – we are here. sure. and that might not have been easy. Chart a course for paradise. Anything worth doing is worth doing well. 35 .
It will become clearer the more you focus and keep your mind open. on YOUR terms for YOU to be truly happy. If you do it out of ego or pride or greed. If you do it for the money. Let’s go there right now.” -Steve Jobs 36 . your old friends from school. there will always be a nagging feeling that something is missing.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. your neighbors – forget it. so don’t waste it living someone else’s life. you’ll always regret not doing it for yourself. That’s totally normal. trust me. success must mean something to you if you are ever to truly achieve it. Lifemoney Lesson #2. All right. Whoever you’re trying to keep up with – the Joneses. Success must happen YOUR way. If you let others define success for you. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. Don’t feel bad at all if you’re still a little unclear about what success should mean for you. Lifemoney Currency “Your time is limited. something WILL be missing.
_____ 7. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 10. I will decide for myself what occupation excites me. I spend time learning what it will take to be successful in what I love.” -Brad Turk 37 . _____ 6. I am in control. _____ 2. I am winning life’s lottery. _____ 5.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. I will define success for myself. I will look beyond money to find happiness. and then tally your score. _____ 8. _____ 9. I am seeking my own personal growth and happiness. The expectations that matter most are mine. Lifemoney Currency “If you live for someone else. I will always seek to lead my own life. _____ 3. I hope they enjoy it because you probably won’t. My life is mine and I’m excited to develop it on my terms. _____ 4.
but it always starts with YOU. In Lifemoney Lesson # 2. It’s a journey that may veer off in a thousand different directions before finally coming to fruition.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success. In my mind. “Defining Success. I can never be good enough…It just comes with the territory of knowing yourself and making the most of what God has given you. 38 . you will build on the first lesson of this book.” by exploring who you were to determine who you are and clarify who you want to become.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. I expect to make great plays. great moves.
or a musical genius. Who are you? Who are you? That probably depends on who you ask. they don’t define you. 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. lawyer. Maybe you’re carrying around a little extra baggage as a high school dropout. He took a lot of heat for his decision because he was a GOOD pitcher. because he knew he had the ability to be a GREAT batter. This is valuable advice for many of us. father. but not without a period of introspection first. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. unemployed worker. a son or daughter. son. not a popularity contest. a company executive. a basketball pro. 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.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. But life success is a self-test. 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. right? You might be a wife or husband. or two-time divorcee. How many of us hover around the comfort zone of what we’re good at. one of baseball’s legendary home run hitters. 39 . someone’s parent. a student. But all of these titles – husband. He stuck with the decision. banker – merely describe you. a computer whiz. you need to know who you are. Before you know where you’re going.
looking back. but ready to gear up for the adventure that lies ahead. more importantly. the goals appear too distant to reach anymore. wherever you’ve been. and maybe not even worth the effort after all. instead of building the future you always wanted and. whatever you’ve done. and live happily ever after. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. and hopefully a little wiser. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. you can still find the path to your personal success if you’re willing to look for it. But now. Instead. knew you were capable of attaining. let me help you rediscover that person again. Whoever you are. Or maybe you were hoping to get married. 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. have kids. when you take a moment to catch your breath and see where you are. day to day. Then.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. 40 . you got sidetracked into making a living and getting by. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. start here. If you are just starting off on your voyage to success and don’t know where to begin. Maybe he or she is a little older. Life has a way of sidetracking us from our goals to deal with day to day living. you find that those dreams never materialized.
but he was slowly driving himself insane. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. restructured his organization. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. literally. how can you ever hope to achieve.” -Brendan Fraser 41 .Knowing Yourself Don’t Be a Stranger (To Yourself) The “know who you are” focus of this lesson might seem like a speed bump on your journey to success. normally peaceful man now felt like hunting the driver down and ripping his head off! Then it hit him: keeping up with the Joneses was killing him. Lifemoney Currency “I’m starting to judge success by the time I have for myself. less really was more. It is not. (Either that. or someone else was going to wind up dead!) He drove straight to his accountant’s office. Twelve months later he was happier than ever. not the Joneses. His patients and his workers loved him and he was loaded. or maybe just busy work. they’re shifting. He was a very successful physician with five private sports clinics. If you don’t know what will make you happy. In his case. successful. the time I spend with family and friends. What is success if you don’t know who you are inside. My priorities aren’t amending. Why? Because he was finally keeping up with himself. and over the next year phased out four of his five clinics. This nice. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off.
certificates. reflect on the things that worked in your favor. Under each. list your personality or character strengths. these might include honors. recognition. now you can see how you managed to win that particular prize. • • • • • “I earned a college degree.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. “I made a wise career move by getting a better job. and/or specific steps you took while completing these accomplishments. Make a list of your top four or five achievements. In looking back on your past.” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2.” 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 . or personal achievements. For example. Even if you didn’t consciously use these qualities back then. define a recent accomplishment by personal attributes: 1.
some may be more physically oriented. You may even recognize the type of goals that attract you.” and “selective” came up in one form or another with each of the three achievements.Knowing Yourself 3. like sports competitions. 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. As you think about the things you’ve done that you have enjoyed and made you feel good. Let’s say for instance that when comparing the events above words like “organization. you will get a better idea of who you really are down deep. 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.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. and so on. 43 . like academic work. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. Some people excel at social endeavors like arranging parties or special events. while others could relate more to mental functions. Look for patterns forming.” “thorough. You’ll begin to see how that person might emerge in the next stage of life.
” Maybe you’ll get back that desire you once had to open a gym or start a summer camp or start taking at-risk youth groups on cross-country hikes. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. you are on your way to getting there. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages. Maybe your mom has always said you are hard working. Your list could look something like this: 44 . Or you may be the employee that handles confidential matters at your company because the boss trusts you most. You’ve just done an assessment of the qualities you see in yourself and that you find positive. You could be someone who inspires others when they go through hard times. but in the renewal of spirit. Write down the characteristics that you’ve often heard people mention to or about you. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors. If you do. I would like you to make a list of the qualities others have noticed in you. That means laying the mental framework now for the physical action you will be taking later.Lifemoney The world is full of born-again success stories. not in a religious way. passion and effort. So take this time to remember or remind yourself of what you want out of life. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. And maybe your list reveals a part of you that loves physical activities and accomplishments. which shows up in words like “endurance” and “commitment” and “perseverance. Aiming your thinking correctly requires more Workbook exercises at the start. enthusiasm.
Lifemoney Currency “You gotta have fun. but I don’t think you can do well unless you’re having fun. You need to keep this in mind as you plan your goals and how you will reach them. we’re playing a game.” -Derek Jeter 45 .Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. Now you have an even better idea of how to play to your strengths as you set up goals for the future. Since most of us do a better job with activities we enjoy. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. It’s our job. Things that are fun for us are those that match with the ability to use these character traits. This makes it that much easier to achieve your goals. It’s business. you’ll probably find that you are drawn to things you think are fun. Regardless of how you look at it.
“I don’t have any major flaws. and then do a half-hearted job when you get around to them. I have a saying: denial does not change reality. working around it or improving it. and moving on. The machinery isn’t working right. you will never be able to deal with the issues that are holding you back from success. It’s part of being human. right? I do. But if you don’t admit to those limitations. Everyone has flaws! But successful people understand the value of admitting to a weakness. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good.” you’re finished. You do. As long as you keep fooling yourself. I didn’t know what I was supposed to do. Maybe you have a lazy streak (sometimes I do).Lifemoney What Are Your Limitations? Let’s be honest. You put things off. My mom’s cat died and I had to bury it. I got the materials (or information) late. But all the while. you can get into some real trouble. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . Everyone has weaknesses. As soon as you say.
Knowing Yourself Goal Achievement Exercise D Take out your Workbook. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. For instance. even deciding how to invest the extra money you’ll be making. you can have the best intentions in the world when interviewing for a new job. But if you’re late to the interview. or not taking shortcuts on a project. You also can add things about your character that could benefit from improvement. Now write down a few of your weak areas. what good is all that positive self-talk? 47 . Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait. write a brief description of an incident where this particular quality had a negative impact: • • • Overbearing—offended a good friend of mine Sloppy—embarrassed my girlfriend at her company picnic Late—arrived late for an interview and didn’t get the job As you begin to link certain behaviors to unwanted outcomes. These could include personality drawbacks. like being able to say “no” when you don’t want to do something. like shyness or arrogance.
they blame themselves 5. that’s just me being me. And action means work. get rid of it. Don’t blame the weather for being late. they: 1. for their inactions. Knowledge.Lifemoney Successful people don’t write off damaging personal traits as “oh well. But remember that people like Donald Trump. There are so many things you can do. Take stock of their weaknesses and work hard to improve them 2. they blame themselves In other words. for their strengths 3. 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. Always assume personal accountability. Derek Jeter. is useless if you don’t act upon it. it’s easy to throw in yet another excuse about finding the time to make these changes. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. Bill Gates. for their failures. Don’t blame the economy for low profits. for their actions. the minute you start passing the buck. Eat breakfast on the way and tie your tie in the parking lot. and Russell Simmons didn’t earn their millions by making excuses.” Instead. don’t write it off as a cute character flaw. Don’t blame the product for being inferior. they blame themselves 4. They did what it took to climb the mountain of their success. and their efforts paid off. Of course. for their triumphs. especially self knowledge. so take action. 48 . for their weaknesses. You may want to start working on these weaknesses one at a time until you start seeing better results.
49 . you can find a path—or blaze a trail—that will lead to your personal happiness. Google created an early version of Google toolbar with all kinds of great features. For example. Maybe you’ll take a route that no one in your family or neighborhood has tried before. But within weeks they discovered that their great inventions were totally useless. What matters is that you freely explore any path you wish until you find the one you are destined to travel.com. On the other hand. 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. So rather than dubbing the whole project a failure. Or it didn’t last. Many people have failed at that. Or then again you might end up on the exact same path your grandfather took a century ago. they viewed the results as useful information.” but it didn’t work. They treat everything they try as an experiment. then do the work it takes to eliminate weaknesses and build on your strengths. They decided to view “failures” as information sources for building new things. Another example was a short lived photo search engine called Riya. If you’re good with numbers.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. Though it was a full blown failure. Then be fearless about taking it. one of the most successful photo search engines on the web. Maybe you’ve already tried success “your way. then choose something that includes some type of numbers work like accounting or investments. Whatever your interests and skills. if you like words and books choose a different road to your success such as writing or communications. the lessons learned provided the originators with priceless information which allowed them to create Like. Using mistakes as useful information is the way many large companies are innovating.
Morgan was to finance. Many successes start right where you are: not knowing themselves very well and beyond broke. an Internet operation. Theme parks with the Disney name are located in the U. Disney founded a $20-billion media conglomerate that includes a TV network. and Japan. I’ve been trusted to take the game’s winning shot and missed. I’ve failed over and over and over again in my life. But they know enough about themselves to know what makes them passionate and hungry. Starting with a little mouse.S. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories. Walter Elias Disney. France. As Walt himself recalls. It’s easy 50 .” Just think of that for a second.” -Michael Jordan Buy Stock in Yourself Do you think successful people are born knowing themselves? Or maybe they had money to make money? Neither one is true. a film studio. Twenty-six times. And that is why I succeed. and they don’t let lack of money or support stop them. and a worldwide store chain. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career.P. “It all started with a mouse.. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. a publishing house. I’ve lost almost 300 games. Consider one the top 50 business influencers of the 20th century. Disney was to fantasy what J.
Under each thought you write. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. So let me ask you again. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish. 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. But more importantly. Through rejection and derision. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about. Walt Disney held firm to what he knew. Goal Achievement Exercise E Take out your Workbook. This is done for two reasons. it will help you understand if you are looking for success in the wrong places by objectively 51 . landing your dream job. The reason for this exercise is to begin the process matching your abilities to some of the things you want. 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. but what if it’s never been done before? That’s the dilemma Walt faced. failure and distraction along the way. Remind yourself of the unique skills you bring to the process. One. never tell yourself that you can’t do something because it’s never been done before. never let the world tell you that you can’t do something just because it’s never been done before. Now. as well as any new talents you may choose to develop along the way. such as getting in great physical shape. finding a life partner. Two. Stay centered on who you are and the goals you want to achieve. or building financial security.Knowing Yourself to imagine success when it’s already been done before.
who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. Here was a guy who seemingly had it all – loads of money. Know yourself and double check your motivations for success. be careful what you wish for. In other words. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. making a million dollars doesn’t necessarily mean you will be happy. the Hollywood Dream – and he left it all behind to risk his life and fight fires. For example. and comparing those qualities with what you deeply desire to develop within yourself.Find More As you learned in Lifemoney Lesson #1. knowing yourself and being true to yourself makes you successful. Understand that fortune and fame doesn’t equate to success. it might not be what you expected. adoring women. What remains important is that you feel successful at every step of 52 . you must understand why you feel a million dollars will equate to happiness. As an example. if you want to make a million dollars. down cold. Knowing Yourself. screaming fans.Lifemoney highlighting what’s required for success. because when you get it. Make Less . because he knew he couldn’t be happy doing anything else. Why? Turns out he had Lifemoney Lesson # 2. 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.
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 two men took the boat out on the seas. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water. the executive was impressed with Fisherman Joe’s skill and 53 . he asked the locals if there was a fishing boat that went out daily. Fisherman Joe told the executive that it would be a pleasure. While there. progress at any price should be more than most of us are willing to pay. or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership. like “I’ll be happy when I make my first million. detours. See how that works? If you say “I’ll be happy when…. today. and that most of his day was spent with his wife and children. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii. but that he only went out to fish a few hours each day. While waiting for the fish to bite. So many of us set conditions for our happiness. Although success is a worthwhile goal. The next day. obstacles and roadside attractions along the way is taking away from true success.” you’re in the conditional happiness trap. not a destination.Knowing Yourself the process. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide. The businessman had no problem going out for just a few hours while his own wife visited the spa. and enjoy. Ask yourself this: What happens until then? Truly successful people make peace with. and that to skip the rest stops. where they are right now. They recognize that success is a journey..
The prosperous businessman. The business life was not satisfying. Fisherman Joe went from working full-time on his boat to getting three boats. had no problem and 54 . I know their habits. who had reached his goals. as though he was unaware of the value of his skills. and remove himself from the enjoyable part of his business—fishing—he did it anyway.Lifemoney ability to find the best spots to reel in a terrific catch for the day. “How do you get so many in so short a time?” the businessman asked. and did not really enjoy what he was doing. Just a couple of hours a day supplies all my needs. “I sell most of ‘em.A. would aid his partner’s goal of taking their company public. The two men moved the business headquarters to Los Angeles. asking if he could cash out his shares and return to Hawaii. Finally. After a slight hesitation. “How would you like to go into business with me. After five grueling years. for the man seemed unusually humble.” The shrewd executive knew a good thing when he saw it. 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. they finally went public. Joe knew that being in L. But Joe was now worn out.A. He spoke to his partner. Although Joe was reluctant to leave his comfortable home and family while working in L. “and take home what’s leftover for dinner. Working day and night was more than he had expected. Soon business was booming. Joe agreed. “After so many years. and then working a fleet. Joe shrugged. truly amazed. Joe decided he could not take this life anymore.” Joe replied.” “What do you do with them all?” the business man asked.
.Knowing Yourself wished Fisherman Joe well. But Joe found it a waste of five good years of his life. a popular magazine interviewed him. it is.” Joe replied thoughtfully. In the end.” The moral of the story isn’t that we should not try hard or set high goals. “Yes. his journey brought him right back to square one. and he ended up doing exactly the same thing. He already knew what success looked like to him.” the interviewer commented. and many might have found it fulfilling. the entire experience had been a detour from Joe’s own sense of success. and then I am going to spend the rest of my time with my family. “I’ll get a small fishing boat. 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. Both of them found success in completely opposite directions! 55 . Two very different men viewed the exact same experience in two very different ways. “From fishing a few hours a day to a multi millionaire. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success. but he ventured away from it for more money. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. It’s that you should know what you want out of life. what are you going to do?” Joe replied that. Before Joe left. This journey was quite productive.A. The interviewer was amazed by Joe’s journey and the story behind his success. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. so I can fish a few hours a day. that’s quite a journey.
Do you have that drive? If so. These assessments are available all over the internet or by looking in the Yellow Pages. Sometimes it will take that much more work. time. Aptitude tests can provide some insight into your talents and abilities. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. unchallenging and even difficult. who not only played professionally. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. being true to yourself and finding your happiness makes you successful. But he is the exception to the rule. and effort to reach something that is much harder to attain. you may find your work unrewarding. Assessment testing can also help find your natural strengths. A local community college may also offer these assessments free of charge. Lifemoney Currency Understand that fortune and fame don’t equate to success. -Brad Turk 56 . just understand the obstacles that you are going to face. Certain occupations will be a better fit for you than others. and if you work in a field that doesn’t match your natural abilities. No one knows better than you where you feel confident versus where you feel unsure of yourself. go for it.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. Is that a realistic goal for you? It was for Spud Webb. They can measure your characteristics and ability to acquire additional skills. take an aptitude test. If you don’t know where your talents lie or still don’t know what you feel you would be good at.
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. For two full days this artist could not come up with the resources for even a $2 token to get there. Every successful person I know has clear goals they’re reaching for. For instance: • Goal: Starting up a home-based travel agency 61 . And they don’t allow $2 tokens . It is the first step of turning the thought of doing something into the reality of achieving something. It’s time to write some goals right now. when accomplished. obstacles became simply inconveniences to be overcome. would make you a happier person. Kanye West vs. Mr.or the opinions of others . For this exercise. Goal Achievement Exercise F Take out your Workbook.Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal. Now let me tell you about another hip-hop artist you’ll probably never hear about. His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token.to side track their journey. 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). 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. make a list of your top 3 goals that. Once they decide on that goal. That’s because he had more daydreams than plans.
it’s often hard to see them as real. Relax. they simply learned these lessons a little sooner and applied them a little earlier.even thousands of people who have applied action and planning to make their dreams real. get started! 62 . Those people are not smarter.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. or read a book and you’ll see hundreds . or better than you. The problem with dreams is that we’ve dreamt them for so long. that’s natural. Now is your time. Just watch television. listen to the radio. They happen every day. Dreams are real and they do come true if you follow this path. stronger.
Prepare for exam iv. timeframes. Let’s set up an action plan for your goals right now. Research classes that offer test preparation for agent exam ii. Goal Achievement Exercise G Take out your Workbook. What bridges that gap? Action steps.) iii. Start looking into office furniture and equipment iii. 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. Order a separate phone line from the telephone company iv. An action plan is just a series of steps you plan out ahead of time to take systematic action. We all know that goals just don’t happen. Clear space for new furniture 63 . Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. etc.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. Schedule exam • Build out basement to accommodate office i. Find out construction costs for renovation ii. break the list down into three or four action steps you would need to take in order to reach that objective. Below each. Understand the testing process (where given. It could look something like this: Goal: Open a home based travel agency: Top three objectives and possible action steps: • Get travel agent license i.
Let’s say you want to own your house debt free within ten years. deadlines slip sometimes and you have to readjust your schedule. 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 . objectives and action steps. Figure out what amounts of money will be needed to live off of while building the business iii. Start putting away money weekly toward travel agency iv. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. So not only do they spend a lot of time managing their time. Figure out a budget of what the business will cost ii. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable. Successful people know that there are few assets as valuable as time. Sure.Lifemoney • Raise and save enough money for expenses and salary cushion i. but they also add urgency to their goals by making themselves accountable to deadlines. but without a schedule to start with you’ll never know if you’re slipping.
objectives and action steps. many people leave this step out and things just never get done. Successful people set goals and objectives. many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. Let’s actually do it now. but for the most part. and then they set times and dates when things will be completed. they identify action steps. Timelines do not mean deadlines. not written in stone. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. but it’s also easy not to take. give yourself six months. This is an easy step to take. You’ll need to adjust. rushing into it is more dangerous than not starting it at all. Goal Achievement Exercise H Take out your Workbook. As a result. you should set reasonable deadlines and do everything you can to meet them. If you need a year. but the timeline isn’t given the circumstances.Overcoming Obstacles realize that this goal does not have a reasonable timeline. Unfortunately. they are guides. Go back to the list of goals. Schedule changes or circumstances may require adjusting a date now and then. You must schedule your goals. be VERY realistic about your timeline. With a large goal like opening a new business. objectives. For instance if you want to start your own bakery. and that gets your heart rate back within normal ranges and allows you to actually sleep at night. jot down a date for reaching them. Beside each of the objectives and action steps. 65 . and action steps. give yourself a year. The goal is still reasonable.
Like most successful people. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. you might have to adjust your action steps or your due-dates to make them more reasonable. Written words are also great for organization and focus.” 66 . His solution was to write everything down. After he said he was going to take care of one of the items that I did not want to do. I learned early on a major flaw that he had that amazed me. Anything of importance that needed to be followed up on was immediately put in his Palm Pilot (that was/is his tracking and “things to do” vehicle). I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline. he knew how to compensate for his flaw and it practically never affected his work or his success. Never underestimate the influence of actually seeing your goals written out and in front of you every day. Write It Down Words are priceless. About 30 seconds of silence went by and he asked me why I became quiet. I told him.Lifemoney If you keep on falling behind and have to reset your dates. I stopped and paused. I actually had a business partner who is one of the smartest. “I’m waiting for you to write that last item down. most talented and gifted people I know. He probably had the one of the worst memories I have ever seen.
but you will make progress and. over time. measurable. Set aside some time each morning to review your list and begin working on the listed tasks. “To do” list which you will reference daily.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. and plan specific. set deadlines. you may need to break down the week by hours to make sure you are managing your time properly at first. For goal setting you will need to prioritize tasks. moving you closer to achieving your goal. you may be able to do more things in a day. tasks first.” -Les Brown Goal Achievement Exercise I Make a daily written. Here are a few tips for using your daily “To Do” list: 1. You should get the boring. annoying. Do the important. and anxiety producing things out of the way when you have more time. Keep it in the notebook you have been using or in a calendar program that you can keep handy. Every day you should be aware of all your goals and the steps needed to attain them. realistic. You may not get everything you had planned done in a given day. even if unpleasant. committed. reserve a block of time to do what needs to get done. and visualized steps. Depending on how organized you are. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. 67 .
With computer programs and organizers you can adjust lists quickly and neatly. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up. I know I could come up with a more efficient method. I will do things like leaving a basketball by my front door. Learn how to use technology. even I know it is kind of strange – but it works for me. but it works. do what works for you.Lifemoney 2. I have a main list at home and a daily list that I take with me. -Brad Turk 68 . you plan to fail. and I am happy with it. It is not in the way. but it is visible and reminds me daily to get out and play. use them! Lifemoney Currency It’s true – if you fail to plan. 3. Computer programs and electronic organizers can save you a lot of time over manual lists. 4. I don’t recommend this method. your PDA or phone alarm as a reminder. Carry a pocket-sized list with you at all times. For example. We need to take luck out of the equation. I want to start playing more basketball. So if you need post its. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. I do this. Obviously. Although I suggest technology. It’s just something I want to get around to doing more often. but it is not really a priority that I want highlighted on my daily to do list.
The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. because it mostly affected the smaller customers. My problem was that I was the one handling those smaller customers. taking market share away from MCI and AT&T. These companies were offering rates that were about half the price of what we sold. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face.” Unfortunately. and you must be mentally prepared to deal with them. There were a lot of smaller companies. now is the time to knock them down forever. Most of their larger customers simply wouldn’t take a chance with a smaller. I found that MCI was one of the highest-priced long distance service providers on the market at that time. Adversity and obstacles will come up along the way whenever you start setting goals. not price. Successful people use their Lifemoney skills to look at obstacles as opportunities. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. They step up and success is their reward. The MCI philosophy was “we’re selling on value. with fewer expenses. Whatever obstacles have been preventing you from starting your journey. But MCI was not concerned with this. 69 . it is extremely difficult to sell value at two times the cost for the same product. not stumbling blocks in their path. newer provider. Mental and physical preparation is essential to finishing any journey.
get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. Luckily. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. Be honest and write every obstacle and fear you can think of. That meant that for every 100 reps starting at MCI. Then come up with the solution/objective and an action plan. list possible or proven obstacles or fears that may be keeping you from reaching your goal. The turnover rate for my position that year was 95%. With firm goals and objectives in mind from Exercise F. I was fortunate enough to look where others were not and I weathered the storm by linking to a product that was starting to turn hot: prepaid phone cards. but one I might have overlooked if I hadn’t learned to overcome obstacles quickly.Lifemoney I quickly scrambled to find a solution. Below that. Describe one of your main goals in a sentence or two. Lifemoney Currency “If you don’t like what’s on TV. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. I started looking for other products to sell even though long distance was supposed to be our main focus. 95 left or got fired. This was the beginning of a booming market.
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. focused. Objective: Find out about buying a used plane Action plan: Find out about bank loans. and colors for different people. Objective: Research planes and prices Action Plan: Go online and research planes. 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. • I can’t afford a plane. Each part of this process should be specific. clear. People just like you and I. start a savings account with regular deposits. etc. find an online interest group. etc. and manageable. so you will need to spend some time figuring out the possible or probable barriers to your goals. but they are action heroes. Objective: Take Flying Lessons Action Plan: Research Classes. • I don’t have a plane. It’s like your teachers used to say in school: “You’re only cheating yourself”. shapes. etc. they add action to their goals and steps and turn dreams into reality.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. These obstacles come in all sizes. so that you will 71 . save money for classes. So is flying an airplane impossible? Of course not! People fly planes every day. So how do they do it? They are not superhuman.
” -Brad Turk Three Huge Obstacles In my life as a successful businessman. Lifemoney Currency “They say if everything’s going your way. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. Let’s examine each of these and ways you can beat them every time. When we face challenges and overcome them. procrastination. stay clear. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. All of these steps we have completed so far help you get focused.Lifemoney end up where you want to be. the goal suddenly seems reachable. Number 1: Procrastination 72 . They say if everything’s going your way. we learn from our success and failures to meet the next obstacle with even greater results. allowing failure to be an option. your real goal at first may seem almost impossible to reach. and manage your way to achieving your goals. That’s because life is supposed to be a challenge. you’re probably going the wrong way. or even when we face them with not-so-successful results. As with this goal of flying. 2. and 3. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1. you’re probably going the wrong way. making excuses.
or avoid taking action steps once the plan is made. By procrastinating I mean putting off or delaying an action or task to a later time or date.” The list goes on and on.” “My husband says it won’t work.” “I’m too tired.” “I don’t know where to start.” “I don’t have the help I need. It’s easy to put off making a plan for starting the journey to your goals. Remember how in school some kids put more effort into making excuses for not doing homework than in completing assignments (I know because I was one of them)? That’s what happens after graduation. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4).” “The kids need me right now. procrastination is one of the worst enemies of success.” “I’m over-committed already. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments. 73 .” “My wife’s nagging won’t let me think. We say things like: “I’m too busy.” “I can’t find a minute to myself. All the time that is wasted procrastinating is not putting us closer to reaching our goals. and some of us are experts at it.” “It costs too much.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination. To me. too.
• Avoid people or things that will take you away from what needs to be done. Just do it! Example: When it’s time to go to the gym. go. Maybe a part that interests you most. • Do a part of the task. You tell T 74 . Example: You are on the way to the gym and your buddy calls you to go out somewhere. Don’t think to reschedule it for a better time. Instead of doing the dreaded cardio. You’ll feel better after you do. 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. Don’t think about the whole thing. do “a part” of the task.” -Robert Frost h i nk about that quote. Or don’t think about not feeling that well at the moment. you might be feeling up to doing the cardio. or things (Xbox/housework/chores). Even pick one of your favorite exercises to start.Lifemoney Lifemoney Currency “The world is full of willing people. just go and focus on doing the weight training. Just get up and go. be they people (your lazy cousin Eddie). We all know time-suckers. places (the mall). the rest willing to let them. Example: If you’re not feeling well and you are supposed to do cardio and weight training. some willing to work. Maybe after that is done and your body is in motion.
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. Many successful people consciously visualize a result before beginning a task. don’t think of the exercises that you need to do. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. Example: If you need outside motivation. not the task. • Focus on the results. You can hire a trainer. • Find a partner. visualize the result you’re after. All successful people meet their obstacles 75 . Example: If you don’t feel motivated to go to the gym and you dread having to go. For instance. which explains why a significant number will fail or relapse when the going gets tough. You need to be firm and stick to your plans and continue on to go to the gym. Sometimes we just need a little outside perspective from a family member. get a friend involved or find someone at the gym who keeps the same workout schedule. While this may be extreme. fold it up in their wallet. If failure is always an option then success may never be within reach for you. I’ve seen people literally write down “make a million dollars this year” on an index card. • Write down why you’re avoiding the task. think of how you are going to look at the beach. Yet most of us grab onto great ideas for self-improvement without much thought. find a workout partner.Overcoming Obstacles him you can’t but he is persistent. not the steps it takes to get there. and spend every waking minute realizing their goal. he’ll be waiting for you when you’re done. colleague or friend.
Stallone refused to fail. he found a movie studio willing to buy both his script and his portrayal of the main character. but lost out on several of them because he believed he was the only actor who could pull off the lead role to his demanding specifications. How far are you willing to go for success? If you concede failure before you even begin. you may never know. Even when some degree of success was in his reach – he was offered thousands of dollars to buy the script at a time when he and his wife really needed it – he saw a half-deal as a failed deal. He persevered until. star and creator to see his project come to life.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. 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. Much like the boxer in his now famous movie. then ask yourself questions like these right now to avoid making failure an option: • • • • • • What type of lifestyle changes do you plan to make? Do you need to move to a new place? Should you change jobs? Do you need a different eating plan? Do you need to make time to get more exercise? Which skills will you need to develop to improve your capabilities? 76 . Sylvester Stallone went through huge trials and tribulations as a writer. at last.
my sister enrolled in medical school. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights. At the age of forty.Overcoming Obstacles • • • • • Do you need technological expertise? Should you take a class? Should you attend a marriage seminar or see a marriage counselor? Should you seek help from a professional consultant? Who do you know that could be a possible business partner or help you connect with the right business partner? • Do you need to network with others in your field to enlarge your knowledge boundaries? • • • • Will your current job or career environment support these needed changes? Does your company recognize and reward growth? Can you make more money or advance more rapidly at another company? Does your company pay for tuition reimbursement? Answering these questions might require some habit changes. This becomes a lifestyle challenge that you must address. Life circumstances and 77 . Being a doctor has been her desire since she was a child. you may be tempted to light up with your buddies at the bowling alley. if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. But it is never too late to achieve your desires. You might feel too old to reach your goals or that it is too late to realize your dreams. Emotionally speaking you may be thinking it’s too late for you to change. For example.
Your elaborate reasons will not impress anyone. This is just not acceptable. Excuses are probably one of the biggest obstacles that keep you from achieving your goals. like earning more money by asking for a promotion. maybe even a small one. Rather than making excuses. when you make an excuse for not doing something.Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. and approaching your supervisor at just the right time to maximize your chances for success. the thing you were suppose to do did not get done. Start with one goal at a time. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. Number 3: Making Excuses Excuses are very powerful. -Brad Turk 78 . But guess what? Excuses are worthless! There is never a need to make an excuse. working overtime to prove your usefulness. Your action steps might include dressing the part of the higher position. The bottom line is. be definite and defined about the action you will take and when you will take it. Lifemoney Currency If failure is always an option for you then success may never be. they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do.
I am ready to create goals. That means creating a written plan for reaching a specific goal. Whatever you do. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. and then tally your score. Let me repeat: NEVER FORGET to anticipate that obstacles will come up. remember that when this process is complete you are ready to step on the gas and head on toward your destiny. 79 . The plan should list the goal. _____ 2. We need to do everything in our power to make them happen. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Lifemoney Currency: Good things don’t just happen by themselves. action steps.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. Being prepared to face them is a huge factor in overcoming them when you meet them. I have a good idea of my action steps to reach each goal. timelines and an idea of some of the obstacles you’ll face. We need to do everything in our power to make them happen. objectives.
Just not where you want to go. _____ 7. I plan to tackle the more difficult things on my “To do” list first. I am ready to stay committed to my written plan and see it through with daily reminders. I am ready to adopt the mindset of someone who will be successful.Lifemoney ___ 3. I have created a timeline for my action steps that appears to be reasonable. _____ 9. _____ 6. I have thought about some of the obstacles I may face. I have plans to fully and completely address all roadblocks to my success. No excuses: I will not let myself off the hook.” -Brad Turk 80 . Lifemoney Currency “Excuses will get you everywhere. ______5. _____ 8. I am looking to see how technology can make my life easier. _____ 4. _____ 10.
Learn to use these five with skill and you’ll achieve whatever you can dream. “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. efficiency.” 81 . awesome. inventing the wheel. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. and laying the foundation for all mankind. My favorite is the one where a television anchorman says to the caveman. priorities and commitment. time management." Overview Success requires the right tools.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned. you’re right. well done. 'Good job. The five tools are focus. Yeah. good point. discovering fire.' it would have made me actually look and feel ridiculous. like walking upright. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen.
our tools surround us.Lifemoney We’ve been innovating and making tools since we lived in caves. There was a time when people had to be told how to use a telephone. you need to select and develop the tools that will help you achieve your goals. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make. nearly everything in our world is a tool. We create mental tools to help us achieve greatness as well. successful people use many of the same mental tools – and use them well. Just look around you: for the most part we can run our whole lives by pushing buttons that activate machinery to do stuff for us. Here are some of the strategic tools that will help you succeed in achieving whatever you dream: • Tool # 1: Focus • Tool # 2: Time Management • Tool # 3: Efficiency • Tool # 4: Priorities • Tool # 5: Commitment Lifemoney Currency “There was a time when nails were high-tech. Though different tools may suit different people best. Whatever the task requires . Now that you’ve made up your mind to go after your dreams. Technology is just a tool. If you stop to think about it. cars or computers .” -Tom Clancy 82 . People use tools to improve their lives.stoves.
Tools for Success
Tool #1: Focus
Bruce Lee, the martial arts expert and movie star, once said, “The successful warrior is the average man, with laser-like focus.” Focus is something we don’t usually hear about but trust me: it is on the minds of every single successful person. Focus is exactly what the name implies; a narrowing of the lens until we get bullseye aim on our ultimate desire. We live in a world full of distractions. There are more TV channels than we can ever hope to watch, an entire industry devoted to creating computer/video games, four new movies to choose from each week, nearly 200,000 new books that get published each year and nearly that many new CDs. When you add in blogs to read, email to keep up with, instant messaging, cell phone calls, and all of the other daily distractions we deal with, it’s a miracle we get anything done at all! It is extremely important to stay focused on your goals. Don’t be distracted by external things. Distractions and challenges will come daily, if not hourly. These could involve the things mentioned above, people in your life, your job, your hobbies, or just about anything else that comes your way. Look past your obstacles and stay focused on where you’re going. This is how you handle obstacles effectively and keep yourself zeroed in on success. Notice I didn’t say you don’t have to deal with the obstacles – you just simply have to return your focus to your goal as soon as you deal with the obstacle. As you begin to recognize some of the common factors that have been sidetracking you and possibly bankrupting your motivation to accomplish goals, you will develop a clearer mindset on how to avoid distractions in the future so you can steadily pursue your personal vision of success.
“The successful warrior is the average man, with laser-like focus.” -Bruce Lee
Goal Achievement Exercise K
Take out your Workbook. List the typical distractions you face in a given week. From unwanted phone calls to sorting email, write down everything that takes time away from more important matters. Here are some possibilities: • • • • • Yard work House chores Chatty neighbors or co-workers Last-minute errands Television, computer, or video games
Beside each distraction, write one or two ways of seeing through the distraction, as shown in the following examples: 1. Yard work—get the kids to help more; hire someone to do it; schedule certain days for it. 2. Unplanned errands—do what you have to; postpone non-essentials. When you identify your most frequent distractions, you can stay more focused by spotting them early and seeing past them. The key to laser focus is recognizing what
Tools for Success throws you off focus and planning what you will do about it ahead of time. There is no substitute for knowing exactly what drags your focus off point.
“A major part of successful living lies in the ability to put first things first. Indeed the reason most major goals are not achieved is that we spend our time doing second things first.” -Robert J. McKain
Tool #2: Time Management
Imagine there is a bank that credits your account each morning with $86,000. It carries over no balance from day to day. Every evening the bank deletes whatever part of the balance you failed to use during the day. What would you do? Draw out ALL OF IT, of course! Each of us has a bank like this. It’s called TIME. Every morning, it credits you with 86,400 seconds. Every night it writes off as lost whatever amount of that precious, precious time you failed to invest to good purpose. It carries no balance. It allows no overdraft. Each day it opens a new account for you. Each night it burns the remains of the day. If you fail to use the day’s deposits, the loss is yours. There is no going back. There is no drawing against “tomorrow.” You must live in the present on today’s deposits.
Lifemoney Invest it so you get from it the utmost in health, happiness, and success. The clock is running. Make the most of today. Consider the following list which has circulated on email listservs many times. To realize the value of ONE YEAR, ask a student who failed a grade. To realize the value of ONE MONTH, ask a mother who gave birth to a premature baby. To realize the value of ONE WEEK, ask the editor of a weekly newspaper. To realize the value of ONE HOUR, ask the lovers waiting to meet. To realize the value of ONE MINUTE, ask a person who missed a train. To realize the value of ONE SECOND, ask a person who just avoided an accident. To realize the value of ONE MILLI SECOND, ask the person who won silver in the Olympics. Time is far more valuable than money, personal resources, and sometimes even health. Why? Because it is the one thing you can never get back. Once a moment passes, it is gone forever. You have lost the chance to make good with it. All you will have is a memory. If you are wise you put your time to good use – just like you invest money in the bank. But if you are careless then time will be wasted, leaving no significant memories and giving you no investment for future use. Time is the ultimate variable between success and failure. It is extremely rare to find a successful person who doesn’t manage his or her time effectively. Find ways to
interesting. like building a career. months and even years. only sleeps 4 or 5 hours a night. driving to the store. too. or reaching that goal you think you just don’t have time to reach. enjoying your family. Rachel Ray. Second. days. 87 . or browsing the classifieds or eBay for things you don’t need. after 50 years you would have spent more than a year of your life “wasting time. contributing to the community.” 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. In his latest book. minutes. To manage your time better I would suggest four things. Extra snippets of time come in the most unlikely places. Third. think of the extra hours you could find just by adjusting to one less hour of sleep per night. weeks. talking over the fence to your neighbor. Trump: Think Like a Billionaire. finish whatever you start. Take it a step further and think of how much time we waste every single day. or useful for others or yourself. The next time you’re tempted to spend time where it won’t count for much. busy with multiple high-profile projects including a daytime talk show and cookbook empire. While this may be extreme for you. be very clear about what you’re trying to accomplish each day. Just pride yourself on finishing projects and never allowing them to linger unfinished. If you’re unclear about your objective you’ll be unclear about the time you’re spending. ignore the invitation and do something constructive. Donald Trump suggests sleeping only 4 or 5 hours a night. insists that she. First.Tools for Success manage time well and you become a master of extra hours. let alone two or three. If you wasted just 30 minutes a day on surfing channels.
every single day of the year. Remember that your time is your time. So even though he is not working 10 hours a day on his books. money. all of them bestsellers and featuring such instantly recognizable titles as Cujo.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. energy. King has consistently published three or four novels per year. Fourth. The Shining. It’s a good lesson for all of us: you might surprise yourself 88 . The good news is you're the pilot. King has long said he writes at least four hours a day.” . Lifemoney Currency “The bad news is time flies. While many consider him the “King of Horror. 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. How does one author manage such a staggering number of pages? The answer is efficiency. the author of some of the world’s most popular novels. he is efficient with his time and committed to writing practically everyday. don’t give into time wasters. or any other resource you have available. back in 1974. and Misery. the Fourth of July and Christmas. Salem’s Lot. Since publishing his first novel. The Green Mile and Hearts in Atlantis.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time.” the author is also the mind behind movies like Stand by Me. Carrie. except for three: his birthday.
Not pushing paper or daydreaming. some activities are more efficient in getting you 89 . Ask yourself. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. but efficient work. From now on.Tools for Success how much more you could produce in your own life with four highly concentrated and efficient hours per day of real work. You also should get in the habit of counting the “efficiency cost” of each decision you make. For instance: Current Activity: Not getting enough time in at the gym Efficiency Booster: Join a gym closer to home so less time is spent on the road to and from your workout Current Activity: Never finishing all the chores on my “to do” list Efficiency Booster: Make a rule that you won’t watch TV at night until you finish just one more item on your list Another way to become more efficient is to make choices that will lead you closer to your goals rather than away from them. weigh each one with a view to your goals. Goal Achievement Exercise L Take out your Workbook. My guess is that you will get more done in four focused hours than eight unfocused ones. 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. Let’s do an efficiency exercise. In other words. you may need to reconsider that decision. from time spent with friends to starting a home-based business. when you get the chance to make decisions. Everything in life has a price tag.
For that reason. To better manage your time and utilize your time more efficiently. but efficiency of performance is what wins the game for the team. Ride your bike to work to relax and get some exercise. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. Using time efficiently is a huge obstacle for many people who are would be success stories. 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 . or even minor. In order to focus and spend your time more efficiently.Lifemoney toward your goals than others. consider making changes like these to enjoy life now while working toward a better one for the future: 1. time. I want you to realize a few things about time and think about ways you can use your time more efficiently. decisions: • • • • How much will this cost in terms of money.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. especially future goals. get in the habit of asking questions like these before making major. 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.
Don’t overfill your “To Do” list. minds. kids get sick. 91 . they often remain unfulfilled. or poorly.Tools for Success to accomplish in the first place. television can be a valuable tool. neither of which fosters success. Get a Spam filter for your e-mail. most don’t. Watch less TV and do something more productive. Unfulfilled lists lead to depression and disappointment. 6. 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. cars break down and bosses demand overtime when you least expect it. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. 4. Set aside “unwind time” after work or school. exercise. which can be as little as fifteen to thirty minutes. spouses need our help. Eliminate the hassle by making something you have to do anyway. we tend to perform those tasks more efficiently. Setting aside one hour at the end of every week to analyze how well. or both. we can’t perform task after task without stretching our bodies. between important tasks. you managed your time that week can save you hours the following week by learning from your mistakes. We are not computers. Things do not always go like clockwork. and make any needed adjustment. like getting to work or going to the store. When viewed wisely. with planning and forethought. 5. Many programs offer everything from stock tips to weight loss programs to informational documentaries. When we schedule a block of time. 2. Monitor how you’re spending your time. This helps to assure only important emails get through so that you don’t waste anymore of your precious time on email that literally doesn’t matter.
open the window and enjoy the air. don’t worry about the rest. When we learn to use our time – all of our time – wisely. If you’re stuck in traffic. Take a break to relax and listen to music. we gain not just precious moments but momentum.” Never waste an opportunity to learn. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. Without those paychecks. in restaurants. 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. creative people. 8. Appreciate unexpected delays. 10. even when it’s spent waiting for things. I usually use car time to catch up on calls that I need to make. food to eat. Tool #4: Priorities What are the priorities in your life? For many. Bring a book to all your “doctors visits. lobby lines.” If we could save all the time we spend on worrying and complaining about things we can’t control and apply it to things we can. or a car to drive. 9. etc. 92 .Lifemoney 7. Entrepreneurs. You get up. Always carry something to capture your ideas. especially when it’s spent in waiting rooms. get dressed. wishing you could be outside. Use waiting periods wisely. waiting for appointments. and get going to a job so you can take home a paycheck every few weeks. Think of the day you were sick in bed. complaining is not action. Mason Cooley once said. Only focus on things you can control. “Worry is not thought. you would not have a roof over your head. there would be so much less to worry about. the day begins with the priority of going to work and chasing a paycheck.
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. The need for a clean desk before you can begin is less a necessity and more of an obstacle. You can easily become distracted doing this and usually nothing gets done right. complete all the important things at the beginning of each day. don’t spend three hours cleaning your desk so you can get started. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. In other words. Don’t do busy work. and take time to spend with the ones you love. Then commit to giving your best to your life and to your goals daily. Choose a priority and be a finisher. 93 . Finish what you start when you start something. Don’t multi-task and try to accomplish too many things at once. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. focus on writing and not the collateral activities that might make writing that letter easier.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. something or someone important is going to get short changed. Second. Focus on one step at a time. You come home to people that mean a lot to you. 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.Tools for Success Another priority for many people is their relationship with family members and friends. Do whatever you’re doing all the way. If your goal is to write a letter to someone. The third suggestion for prioritizing.
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. I could do it myself. Michelangelo. Your time belongs to you.” -H. Thomas Jefferson. and freed up some of my time to work on other priorities. Get a caller ID or another screening device for your phone to avoid sales calls or conversations with people who do not respect your personal time. Fifth. Pasteur. Lifemoney Currency “Don’t say you don’t have enough time. Pay less attention to things that come up but have no relevance to your goal. One example from my life is that I pay to have my laundry done. 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.” Delegate worthwhile projects that can be handled by someone else. But why spend hours handling that task when my time can be put to better use? Last.Lifemoney Fourth. I never answer my phone unless it is a call I’m expecting. and Albert Einstein. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. create a sense of urgency for important activities that are going to be meaningful in your life. Sure. Mother Teresa. it was worth it to me. You have exactly the same number of hours per day that were given to Helen Keller. don’t be afraid to say “no. Sometimes you might want to consider sharing profits or payoffs in order to get needed help. Jackson Brown 94 . Even though I had to share the profits. Leonardo da Vinci. Together. Take on only what you want to do and say no to the rest.
I have a friend who has been bodybuilding (or body sculpting. His response was that working out was one of his daily events. My response to him at that time was that I would love to make that commitment but that I was too busy for that type of schedule. When I was talking to him about his workout plan. you need to make your goals – things to do – daily activities. as he calls it) for over ten years.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. he told me that he hit the gym five times a week. we call it a mortgage. In the same way. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. we feel obligated to keep that date. Then the real embarrassment came: after going over his working arrangement. it was like brushing his teeth. However. a key part of your lifestyle. eating. he had not missed a single week of working out. consistently. when someone buys a house. For example. I was amazed at his dedication and commitment. would you? 95 . In the last ten years. It was something he had to do. few of us make that type of do or die trying level of commitment to ourselves and our own goals or even to the commitments we make to others that may help them reach their goals. When we make an appointment to see the doctor. or sleeping. You wouldn’t go a whole day without eating. besides his normal two week break. 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. they make a commitment to the bank.
200 books will be shipped in the next 12 months with the wrong cover 5.517. Follow through.9% effort were given. Here’s a breakdown of how things might look if only 99.260 income tax returns will be processed incorrectly this year 2.200 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.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.488.9% effort will not get you where you want to go.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 .2 miles. 1.500 defective personal computers will be shipped this year 2. because a 99. I saw him) to a few months later running 26.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268. 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. He went from hanging out and drinking at clubs (I know. give 100%. Daddy's House Social Programs and the public schools of New York City. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. Go big or go home.000 checks will be deducted from wrong bank accounts in the next 60 minutes. He set a goal and did not stop until he reached it. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation. 22. You have no choice really.
500 mismatched pairs of shoes will be shipped this year $761. wanted nothing to do with Jamie. saying Oliver Stone didn’t know what he was talking about. The director.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18.” He did not believe Jamie could pull off the part.000 incorrect drug prescriptions will be written in the next 12 months 114. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20. Any Given Sunday. Jamie was already a 97 . Jamie could have easily walked away. 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.690 will be spent today. next Thursday and every day in the future on defective.Tools for Success • 3.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9. tomorrow. often unsafe. He even went so far as to tell Jamie that he “would not waste one inch of film on him.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. Oliver Stone.
He had also starred in several movies by this point. I think it is fair to say that although it turned out to be a great part for him. But that’s not how Jamie viewed and approached it. never. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 .Lifemoney successful comedian/actor. Moesha and Hanging with Mr. they are confident in their abilities and they stay committed until the task is accomplished. at that point in his career he did not need the role. and he had already done many TV shows like In Living Color. he said that he couldn’t make the movie without Jamie. They are humble enough not to think they are too good to put in the extra effort. 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. Second. The Jamie Foxx Show. So that’s how successful people handle getting something that they want. Lifemoney Currency Never. Cooper. remember to get and stay focused on success. -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. He had his own TV show. Roc. First. I heard that after Oliver saw the audition tape.
you go to it. Last. Lifemoney Currency ”Success doesn’t come to you.” -My Mother 99 . make efficient use of your time. Fourth. talents.Tools for Success second. minute. and resources. or hour passes it is gone. make a commitment to embrace your goals and make them part of your life. work hard to eliminate the “white noise” of your daily activities and learn to pay attention to the things that are truly meaningful – your priorities. Third.
_____ 10. I have evaluated my schedule and am eliminating the time-wasters. Lifemoney Currency ”What you can’t fix. _____ 7. _____ 8. _____ 5. _____ 2. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. and then tally your score. I have begun sorting high priorities from non-essentials.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. I have identified my focus and am ready to pursue it wholeheartedly. _____ 3. change or impact – You can’t worry about” -Brad Turk 100 . I am willing to delegate some tasks to others. I am learning to make choices that will lead me toward my dreams. _____ 9. I am taking steps to avoid or redirect or see beyond these distractions. I have made a list of the major distractions in my life. I am “do or die” committed to doing what it takes to reach my goals. _____ 6. I am determined to include my goals in daily lifestyle activities. I am taking specific steps to make better use of my time. _____ 4.
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. and one day you look back and you’ll be surprised at where you might get to. At one pivotal point in the movie. Gardner believes he has over $600 in the bank. one giant leap for your life. Progress Report When Will Smith played the lead character in The Pursuit of Happyness. but just starting down the road to success is one small step for you. your plans for reaching your goals are in play. he took on the role of a complicated. You add them all up.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count.” -Christopher Gardner Overview Finally. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. as long as you are going forward. to 101 . compassionate and ultimately successful man named Christopher Gardner.
You’ve decided that you’re going to launch your t-shirt line six months from now. It will cost about $5. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. 102 .000 for everything you need to get started. But don’t worry: patience and paying attention brings progress toward your goal. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. While the event seems tragic. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter.500 shirts to local retailers. When things take time. and literally withdrawn it from the account. it will most likely take months. to do everything that you want or need for your dreams to become reality. shipping and delivery of the first 2. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. But this motion is not complete unless you are taking active steps to measure your progress and know where you are on your journey at all times. including printing. Instead. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. if not years. you need your plan clearly laid out and a means to track how you’re doing. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. filled out paperwork for an extension. 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. it’s easy to wander and not finish the essential steps that lead to your goal. Busy work doesn’t get it.Lifemoney the tune of $600. The resulting loss sent Chris and his young son onto the street. For example.
In this example. or about $160 monthly. electronic calendar or some other external system. shipping and delivery – into place. a daytimer. Were you on track? Yes. What happened? Well. 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 it out of reach? No. you simply failed to keep track of your progress. but a big 103 . We often just assume things are going to work out once we have our plan in place. Keep it simple. But when you check you notice that there is only $4.040 in your money market fund. It’s been a year since you made the decision to launch. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. What happened? Most likely – you made a bad assumption. Don’t forget the map! The solution to this common problem is either a chart of your own making. I prefer a big calendar. where you’re going and how you’re doing.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. but by all means use something. Was the goal bad? No. The simple reality is you need one single visual reminder of what you want. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch. 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. so you decide it’s time to check your savings growth to be sure you will have enough money when the time comes to launch your line. and you recall spending $300 to get a new bicycle.
Here are my basic elements: 1. so I’ve broken down my own personal system into five easy to monitor factors. I’m addicted to simplicity. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. I write these action steps in clear and direct language using 104 . It’s important to monitor each goal separately so use a separate sheet/planner for each goal. Written goals are powerful. Your reminder system should have several key components. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. I monitor them on a grid which I will introduce shortly (these pieces of information can be derived largely from the work we’ve done in the previous goal achievement exercises). I make sure I regularly review my objectives.Lifemoney piece of paper would do. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. Let’s find out what they are. Also. As you can probably tell. As always. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. They are items that need to be accomplished to get me further toward my goal. List a Goal: This is where I simply write out my goal – one goal per sheet. 3. 2. make this sheet physically easy to see as you go through your day. 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. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. feel free to use your own system or means of tracking or modify the one you’ll find in the next exercise if you have something that works for you.
Create a grid that lists basic steps for reaching your goals. I have found that the more specifically this is worded. I will reach my goal. Take it out for review often to make sure you are headed in the right direction. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. How you arrange your grid is up to you. You can find lists of action verbs by doing a quick Google search for lists of action verbs. Goal Achievement Exercise M Take out your Workbook. Completion: I always mark the date when I’ve achieved each objective. We’ll start with January. 5. Charting your journey in writing helps to make the whole process seem more real. Now it’s your turn. 105 . and is a great marker of progress toward my goal. as well as your response to them. 4. If I do all my action steps. I am going to use an example of setting a goal of becoming a better golfer in a year. If I reach my objectives. I reach my objectives. Closure on my objective always makes me feel good.Evaluating Progress action oriented words. and keeps you in touch with the realities needed to make your goals happen. but below is a model that provides an idea of how yours might look. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. creating objectives and action steps. a popular time of year for making new resolutions or resetting ongoing goals. the more accurately I can tell if I’ve reached what I originally envisioned.
by the way. you can quickly and objectively measure your devotion and success in chasing your dream. I will surf Internet for local golf pros. Action Step I will take 2 hours during the first week of this month to write out my plan. Enjoy the thrill of getting better. Year-round practice will improve my skills. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. 106 . Call for subscription to Golf Digest. and equipment of golf. I will get expert help and assessment. will be spent revisiting an earlier action step. Outcome I will enjoy my golf game more and feel a sense of accomplishment. and how often. Learn terms. When you go back and check your grid periodically. keeping a grid like this one will show at a glance what you are doing. to work toward your goal. Some weeks.Lifemoney Goal: Become a Scratch Golfer In Two Years Date January Week #1 January Week #2 January Week #3 January Week #4 Practice indoors during bad weather for an hour per week. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. Even if you don’t fill every moment with related tasks. 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. Check yellow pages for indoor putting green. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. I will make the time to sign up for lessons and commit an hour a week to practice. Read one golf magazine article per week to learn more. For instance. pros.
Evaluate the input. and you found little change in the numbers after a few months. or instead of. This is good. “Please tell me the three things you liked least about what I did. To find out if you’re off track I suggest you find out what you did wrong. “You did nothing wrong. If you get the same input from different sources.Evaluating Progress If you decide to change your goal for whatever reason. remember to adjust the steps to getting there. 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. you could switch to a physical activity approach in conjunction with. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. Ask good questions Most people want to know what they did right. Fortunately and unfortunately. you are now going to get a few things that they were not that excited about. Find something that works.” This makes them think. for example. chances are it is correct. If. even if that means rotating new activities through the process until you find one that works best for you. it also forces them to be specific. Ask for outside input from people you trust to be honest. Make it easier for them to evaluate you by asking the right questions. the diet routine. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. 107 . For example.” To get better information ask. I liked it all.
however. people will stop telling you what they really think and say only what you want to hear.4 billion was thrown out of 2nd grade. When someone tells you point-blank that you’re going about something all wrong. which is totally worthless. just listen carefully and ask how you can do it better. He was told that his best hopes for a career would be as a carpet layer. Keep in mind that not all opinions you get will be accurate. Before you open yourself up to criticism. If you argue or make excuses. Analyze the critiques and use them as you see fit. 108 . 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. It also lets us know how others see us. Don’t be afraid to be off track—or even outright wrong. You’re allowed to discard opinions if you have a strong impulse that they are wrong. Criticism is good – it lets us see a different side of ourselves. In 3rd grade he was sent to a school for mentally challenged children. You don’t have to take every piece of advice that’s offered. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. don’t reject impressions just because they are negative. I’ve been wrong on many occasions. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2.Lifemoney Welcome criticism Some of the comments you receive might include criticism.
and film. if your goal is to retire at age 45 meet with a financial planner. Yet. where you want to be. Before being home-schooled he was kicked out of three schools. Woolworth. founder of Woolworth’s and modern department stores. His name was F. Good thing he didn't. that he was a screw-up. Registering for a financial planning seminar. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. His last headmaster said he'd never make it. With his creative mind he patented over ten thousand inventions. including the light bulb.W. or an investment agent to discuss planning strategies that can make this possible.Evaluating Progress • Thomas Edison was told he was not teachable. and creative theory of relativity that has shaped modern physics. or we wouldn't have his incredible. far-reaching. or attending a money management workshop are additional ways of becoming more knowledgeable. taking a personal finance class. Get enough information to provide a clear picture of where you are currently. • Albert Einstein struggled in high school math. His bosses thought he lacked the common sense. your banker. For example. he never gave up. and how to get there in the most efficient way. • • Walt Disney was once fired for a lack of "good ideas. These also help to make sure you have a realistic goal set and that your 109 . You might even want to get several opinions and weigh several options before making a final decision.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. the phonograph. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date.
Your best skill is your ability to write things down and track yourself. and your progress to see if adjustments are needed for a better chance at a successful outcome. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. Notes to yourself. Either is fine. Above all remember. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. or meeting someone and falling in love. keep track of your progress. you may get off 110 . this is the time to reevaluate your goal. daily steps that carry us the furthest distance. Some people even use something as simple as notes. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. As you try to achieve your goals.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. a death in the family. O. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. a great new job offer that comes unexpectedly. you still have time to adjust your plan to maximize your chances for success. If not. your plan. Are some carried over for long periods of time? Are you making substitutions for temporary pleasures that eat up your time and resources without bringing you closer to lasting fulfillment? Remember that it is the small. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. the loss of a job. as long as you continue to make steady progress.K…. Watch your goal progress closely Check your daily activities.
and then outline action steps you can take to address these. Goal Achievement Exercise N Take out your Workbook. List the five most common criticisms you hear about yourself. There are some very good action steps you can take to get yourself going again. the faster you can get on your way.” “You work slowly. 111 . properly aligned and refocused. You stop exercising or you start watching a new television series that leads to another new show to another and to another.” “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. We’re going to address some of the internal areas that may get you off track to achieving your goals. The faster you uncover the weakness within you and address it. And don’t forget that sometimes you get off track due to internal factors rather than external ones. take this information and use it to your advantage. Here are some examples to get you started.” “You’re stubborn and won’t do as you’re asked.Evaluating Progress track too. Don’t beat yourself up for being normal. • • • • • • • “You have trouble following through to get things done. “You always complain and never offer solutions.” “I have to constantly watch you because you waste so much time.” “You’re always late.” Rather than being upset or offended. Then move on to do the same with larger tasks.
come up with a clever solution to some problem the boss is having. daily pieces that when completed will gradually accumulate and lead to success.Lifemoney • • • • Make it a point of pride to be at work 15 minutes early Go overboard to do exactly as you’re asked without backtalk Work on being an encourager to others Step up your pace at work. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. gut-level honesty. there are many things you can do to address problem areas and turn them around to make negatives into positives. you will lose track and wander in pursuit of your goals. Especially honesty with yourself about your own weak spots. Being honest with yourself is a powerful tool. break the goals up into smaller. Write down the smaller. more doable chunks that you make note of it in your planner. 2. I strongly suggest that if you break your tasks down into smaller. more specific steps you 112 . Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. If you don’t make notes of how you’ve broken down your duties. Fortunately. • • Finish the task at hand and ask for something to do next. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. Be honest in soliciting opinions from others and acknowledging your weak areas. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. Then be proactive in making changes to benefit yourself and others. Keep these keys in mind: 1. Better yet.
Read a self-help book related to your goal. Save at least $10 per day for an average of $300 per month or $3600 per year. Review your written goals more regularly (hourly. Meet with your mentor every other week for feedback. Have a weekly date with your spouse or child to improve family relations. weekly. daily. h. 3. Work on replacing a bad habit with a good one each month. as well as find inspiration to help you continue to achieve your goals. Resourcefulness). Seek it out and you’ll find more encouragement than you’ll be able to handle. etc. f. j.) g. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. 4. 113 . Here are examples of small activities that can be conducted daily. Learn something new related to your goal every month. and be willing to make the necessary changes that will help to ensure success.Evaluating Progress intend to take. Check out at least one set of blueprints for your dream home each month. you will be amazed to see how much you’ve actually accomplished. c. e. b. take personal responsibility for the difficulties encountered in your quest. (I speak much more about this in Lifemoney Lesson #6. i. Contact at least one new potential employer each week. d. Stop and reflect on your life more often: When you stop and reflect on your life every month or two. Whatever you do. Seek out successful people for advice: Free advice is all around you. Make one sales call daily at least five days per week.
plan to re-assess your progress. living.” 114 -Brad Turk . factor it into the equation. and then give it all you’ve got! Lifemoney Currency “Dreams are real. Come back to your journey when your batteries are recharged. Every success story is written with dozens of action plans that were brought to fruition through focus and commitment.Lifemoney Lifemoney Currency “The price of greatness is responsibility.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. Do this assessment frequently. After taking action steps toward your objectives and ultimately the goal. If you feel that you are unable to follow the timeline or stay with the quest. To tell the complete story. You may have to revise your daily or weekly goals from time to time. as well as anything that remains unfinished. If anything has changed since you began the quest.to determine what you are able to complete on time. Make a visual reminder – like the grid I use . evaluate your progress thoroughly. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you. but that’s fine as long as you don’t abandon the journey. take a short break to renew your mind. realistically – and often.
_____ 3. Lifemoney Currency “Be consistently consistent. I will check the grid periodically and make any needed changes. I am going to regularly check my progress toward reaching my goals. I will reevaluate my goal. _____ 8. I will solicit feedback from experts. I will create a grid for recording action steps that lead to my objectives. I have the names of several people I trust to give me good personal feedback. _____ 6. I will be quick to admit my weaknesses _____ 7. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. and then tally your score. I will make efforts to change or eliminate bad habits.” -Brad Turk 115 . _____ 10. along with my progress at regular intervals. _____ 2. _____ 5. In gathering feedback I will ask good questions. _____ 9. _____ 4. I will invite and accept criticism that is given with a view to helping me.
whose net worth is estimated to be $320 million. and we can endure much more than we think we can. you need to look for other routes or means of help.” Overview Everyone struggles to meet their goals.Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe. When things don’t go as planned. This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. everyone encounters resistance along the way. It’s how you handle the resistance that leads you to success. We are stronger and more resourceful than we know. knows firsthand what it means to be resourceful. who was brought up in the Marcy projects in Brooklyn. Sean. 116 . Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). had to create his own destiny.
under it. “I was forced to be an artist and a CEO from the beginning. you might be filled with 117 . which eventually shaped his destiny. 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. part ownership of the NBA New Jersey Nets and the S. but the careers of many other superstars. Other ventures of his are Armadale vodka. around it or. with 18 Grammy nominations and 5 Grammy wins. he also expanded the Roc-A-Fella empire. Carter line of Reebok sneakers. He has a willingness to find any way to achieve his goals. in some cases.Resourcefulness When he first started out. the 40/40 Club in New York City. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. Being a talent was not good enough to attain his success. including Kanye West. When faced with resistance he responded by finding solutions to his problems. which includes Roc-A-Fella Films and Rocawear .” And that’s what he did! He co-founded Roc-A-Fella Records. which launched not only his career. How resourceful are you? Could you overcome adversity by thinking not just “outside the box. he needed to be a businessman as well.a very successful clothing line. No one seemed to be interested in his music or recognizing his understanding of the music business. Jay-Z became one of the most respected rappers in the music industry. Sean was unable to get a record deal.” but over it. right smack through it? As you begin your journey to reaching your goals. In addition to becoming the President of Def Jam Recordings.
Either way. Lifemoney Currency "I've found from past experiences that the tighter your plan." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. You’re going to need to be resourceful no matter how much you have going for you. What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. Successful people never hesitate to look for resources that can mean the difference between success and failure. and I know exactly what I have to do to reach my goals. do surgery with a pocket knife and 118 . no matter who you are or where you’re headed you need to focus on using these resources to get through the challenges you are going to face.Lifemoney confidence. This lesson points out some useful resources and answers for the troubles you will encounter on your journey. With a little bit of effort and some common sense. You may be thinking. “I’ve never felt better! I have a sense of purpose. 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. then slap yourself in the face. you can find resources that will make all the difference in your search. turn on the light. run some cold water over your hands. They might come from your creative imagination or perhaps from the lives of other people. or mediocrity and brilliance.
resourceful problem solvers are some of the most open-minded thinkers I know. and realize that often the reason you’re stuck is because you’re not thinking big enough. you must be the same way. Take time to jot down problems for which you’re seeking solutions. These are four ways of thinking that have made me a better businessman and human being. He was never played out. and then brainstorm big. and when it comes to succeeding in your life. even if you’re unsure of the outcome. he could always find a fix to any obstacle he faced using just what he had around him. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. You can always do something. 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. 119 . only to be told something you already knew? Often.Resourcefulness make a computer out of duct tape. 2. wild and fun solutions. You’ll have to learn to let your mind go in this fashion. Clever. but the natural resourcefulness of your mind will reward you with many great and doable ideas. I want to make four suggestions for being more resourceful. Though you may not end up being MacGyver. Did you ever consult someone about a problem you were having. He was the picture of resourcefulness. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. The trick is to keep your mind focused on what you want. expensive. Take the time to take stock of the situation and think on your own. Be an open-minded. Relax and think: don’t let the complexity of a problem paralyze you. big thinker. Take stock of the situation to see what you can do.
120 . When attending a high-power meeting I’d take along a good friend. however works best for you – and then review them every once in a while to see if there is one you can implement. I was trying to launch my business and wanted professionals and industry experts to take me seriously. I looked nineteen. Don’t look at life with the jaded self-knowledge of an adult. And when you come up with all those big thinking ideas – capture them. That’s how you learn. George and I appeared to meet expectations for maturity and sophistication. Instead of focusing on what I could not change—my appearance—I worked on another aspect I could change by taking along a friend who helped to balance my looks. who was middleaged and looked more of the part I needed to play. ask over and over again. At twenty-five. Be a pest. Make sure you capture those ideas somehow – in paper. George. As a team. and in a moment of wide-open. As an entrepreneur or creative thinker or just someone who develops their Lifemoney skills you’ll find that you have so many new ideas that you don’t have time to act on them. I have a baby face. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. over a microphone to your computer. Don’t be afraid to ask questions from people who know. big thinking I created a great solution. I was able to pitch my products and services to an open ear. As you can see on the cover of this book. This was a problem.Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. Become four years old again. I look a lot younger than my real age. It was a big thinking. Once the perception piece of the introductions was achieved. out-of-the-box resource idea and it worked. 3. but walk with eyes – and ears – wide open.
You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. hoping to master the computer in one easy lesson or not at all. Questions are your favorite tools. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. Here’s a thoughtful letter written to a child from her grandfather. It was taken from the web site http://members. Look for solutions in the most unlikely spots. I see danger.ca/athomas125/hanna. you see colors. You love to learn. How many times have heard of a solution to a problem coming from a totally unexpected place? Resourceful people are always making themselves look for answers in places nobody else is looking. new skills.shaw. you can’t know everything. I find embarrassment. With wild abandon you tackle new words. My dear granddaughter Hannah. You want to paint. 4. You want to know everything. I struggle to learn. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. And in my experience.Resourcefulness You don’t know everything. You find laughter in mistakes. I see mess. Book is your favorite word. I've forgotten how to laugh at blunders… 121 . You see steps.htm. You are only two. You want to climb the attic stairs. I see problems. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere.
But that comes with the territory. if it's not too late. Ask questions that seek out detail rather than just yes and no. and though you dislike it. you might be given all sorts of misleading ideas. You walk right up to a stranger and smile. Just keep going until you find the information you really want. And learn to ask better questions and be a better listener. When you’re listening to an answer.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. asking questions about their perspectives and ideas. Keep Looking . or information you can’t really use. Talk to people from teens to retirees. 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. Look around for success “MacGyvers” hiding in plain sight all around you. Sometimes you may not know where to begin the quest. I love you for who you are! Grandpa Dan Dear Lord. After talking to one resource person or another. neighbors. At lunch you boldly bite into broccoli.Lifemoney You are courageous. help me to grow up and become just like Hannah. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. 122 . and relatives who may have an idea or solution to your problem. I stick with the familiar favorites. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. These could be friends. tomorrow you will tackle cauliflower with the same exuberance.
In a larger bookstore chain. Here are four incredible resources. If not. Whatever your needs or interests. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. technology is bringing us closer together. often at the press of a button. Instead of sitting in front of the television or playing video games. There’s no better or quicker way to 123 . You can even use full sentences to pinpoint the closest data to your topic search. you should be able to find worthwhile reading. All you need to do is pick a search engine (I use Google. Even as there are more and more of us. try different variations of the same words until you find what you are looking for. But you can go anywhere you want and talk to whoever you like. If you don’t find an exact match. 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. you can just read while you’re there. Look at the jackets and back covers for ideas about whether a book will be helpful. spend your time searching for buried answers. find a seat at the café. That’s the beauty of the modern world.Resourcefulness You probably won’t find everything you need in your back yard. spread far and wide. 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. and read a recent biography of someone you admire or a book on a topic related to your goal. ask a store associate to order materials for you. You don’t even have to buy the books. Don’t be afraid to use all of the resources available to you to gather more resources. buy a cup of coffee.
Check your local area for something similar.com) where they constantly have well known speakers. language CD’s or DVD’s (if your goal involves traveling abroad). magazines. 124 . but you may learn a few things from the expert while you participate in the webinar. San Diego. If your library doesn’t carry a book you want see if they can get it for you from another library. Minneapolis. San Francisco. borrow books for free at the library. Many companies offer free webinars with noted experts in a particular field as a way to sell their products. Most libraries offer this type of service for free. In New York. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. Toronto. and Los Angeles you have the Learning Annex (learningannex.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. You don’t have to buy the product. 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. movie producers and music moguls at your disposal. You can also get audio books. 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. and videos.
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. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. It is idling in you right now. you will be able to learn from the experts in that field.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. Read books and look for television programs. waiting for the chance to drive you toward solving your challenges and meeting your goals. Be 125 . Ask the people around you what they know about New York. 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. One life changing piece of advice can make you thousands if not millions. or showing off your playground skills to other kids. That thrill of learning still exists inside you today.
You can meet experts in your field of interest and learn things about your pursuit you never knew existed. • Take a non-credit class. volunteer at a local official’s office and see how it works. Over time our interests drift and friendships change because your interests no longer match. Check with a local community college or university branch campus for information about these classes. like minded people that share your intensity in life. Those friendships can form quickly and be lasting. Rather than ditch your old friends. then ask lots of questions. Listen first. No matter what your interest. If you’re planning to write a novel. To run for civic office in a few years. If they don’t have one you want. • Online Special Interest Groups. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. Learning new things is virtually guaranteed. work on building friendships with new. and provide you all kinds of problem solving resources. • Join a special interest group.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. suggest that it be taught in the future. Most colleges – especially community colleges offer informal. specialized courses that often cost under $100 and run over a day or several weekly classes. find a writer’s group or a reader’s club. the internet provides an opportunity to meet many like minded people. Often we outgrow our friends. Consider joining 126 .
Online chat room--. Consult a community resource center 2. Community resource center – attend evening sessions from 8 to 9 Monday. such as: 1. reading blogs about topics that interest you. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s. Wednesday and Friday.Resourcefulness an online community. or subscribing to a mailing list of like minded folks. Visit a local learning annex Once you have these three written down. such as: 1. 2. Join an online chat room 3. List three places where you can go to find some information that will further your ability to be resourceful.this week I will seek out one interest group related to my goal 127 .” -Bill Gates Goal Achievement Exercise O Take out your Workbook. assign timelines in which you will visit these places.
” There he swept floors and kept his ear to the ground. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. If you’re planning to write a best selling novel. and found resources anywhere – and everywhere – he could.com. and while attending. those who have already accomplished what you want to do. learning the industry from the ground up. Like Diddy.Lifemoney 3. Uptown Records. “Already a shrewd businessman through his two paper routes. According to Answers. This is someone who will work with you to set goals and help you make plans for reaching them.C. 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. Before he became known as Diddy. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings. Lifemoney Currency “If you are going to be thinking anyway. learner and observer. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. D. contact authors whose writing style you like and ask them for tips on 128 . look for experts in your field.. But Combs was an avid listener. you might as well think big.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. Sean “Puffy” Combs worked in thankless jobs like the rest of us.
Avoid their mistakes. Don’t fight the system if you don’t have to. Always be prepared and don’t waste anyone’s time. interviews. “What is one thing you would do differently?” Study those who are where you want to be. 129 . You also may want to consult the local Small Business Administration or a retired executive. Look for people who can provide guidance. And. Try other people or be persistent with the ones you really think are important for you to meet or talk with. videos. if applicable. and who won’t turn their backs when you need help. Go straight to those who know the ropes and can share a bit of wisdom. find out what not to do. before you speak to them. If you’re a student. too.Resourcefulness getting published. When learning from the experts. libraries and the Internet are valuable. Books. and look for readers that can tell you what they look for in this type of book. and other information that might hold clues to the reasons for a person’s success. but people are the ultimate resource. don’t be surprised if some don’t return your calls. Don’t rely on your own expertise. Make sure that you research these people and their companies. too. Or look up a local leader that you might be able to interview or job shadow. Ask questions like. Look up biographies. You could contact publishers. There are actually some fields like the music industry where the only path to a real job is to intern. take a job as an intern like Diddy. Learn it first then conquer it. If speaking directly with an expert isn’t likely. get some books about famous people who have already made it in the area where you want to go. and find out what keeps them going strong as well as the things that hold them back.
List three people that you will contact for assistance. 130 .” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. No matter what sorts of challenges you face right now. intrigue these people to help you in whatever way possible. think of key resource people you already know from your past and your present. it is because I was standing on the shoulders of giants. While making your list. Never forget to take advantage of your network of connections. You’d be amazed how many talented people you already know that could help you along your journey.Lifemoney Lifemoney Currency “If I have seen farther than others. 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. Using the people skills that you will learn in Lifemoney Lesson #8.
Very few people succeed entirely on their own. that can put you closer to reaching your ultimate goals. and as far as necessary. reach out as often. Some days. But there is. every one of those people was a resource in creating his latest masterpiece. It’s important to utilize every opportunity. might be the director. 131 .Resourcefulness Lifemoney Currency “Remember you will not always win.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. but stick around for the credits after his next movie. the most resourceful individual will taste defeat. Stephen Spielberg. Try to count how many names are listed at the end of the film. in this case. always tomorrow after you have done your best to achieve success today. Don’t limit your dreams by limiting your scope. small and large. to get the information. services and know-how you need to create Lifemoney.
I will keep my eyes open for a mentor. Learning is the beginning of spirituality. _____ 8. _____ 7. and then tally your score. and observations.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with. I believe learning is the beginning of wealth. _____ 9. I will read new material that relates to the pursuit of my goals. _____ 3. _____ 10.Brad Turk . school or online special interest group. I plan to visit a library. I plan to read an autobiography of a famous leader who inspires me. _____ 2. I will enthusiastically seek information like a kid. giving yourself 10 points for each checkmark and 0 points for any left blank. ideas. Learning is the beginning of health. Lifemoney Currency “Some people say it’s not what you know. find the people you need to know and introduce yourself. _____ 1. Searching and learning is where the miracle process all begins. but who you know.” 132 . _____ 6. I will network with people I know to find expertise beyond my circle. _____ 5. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. _____ 4. I will take a class or seminar related to one or more of my goals. I say.
directly across the street from Grand Central Station. looking at things from a different perspective. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. He bought the property in 1977 when that part of New York City was in terrible shape. your Lifemoney. asking big and avoiding the herd mentality. 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. These include visualization. objectifying your goal. Trump had no 133 . They are your real wealth.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. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel.
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.
Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. or when it becomes increasingly difficult to see yourself in the winner’s circle. it’s time to shift gears and visualize it. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. this proven 138 . Picture your home office with all the things you would use in a public office—computer. step by step. See yourself inspecting the houses. so keep your thoughts positive and stay focused. Now. What’s it worth to you? When you’re ready to give up on your dream. if you want to get into real estate. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. Visualization is when you mentally create an image of yourself accomplishing the desired objective. what does that mean for you? Do you want to sell houses? Do you want to manage rentals? Do you want to sell commercial property? Do you want to invest in real estate? Specifically describe your goal and envision yourself doing it. 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.Lifemoney 5. Your body will do what your brain focuses on. and telephone. For example. If you want to operate your own business instead of working for someone else. fax. it becomes more tangible. Avoid the herd mentality. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. This isn’t fantasy or play-acting. copier. imagine yourself doing it. You’ll work out the bugs of a process that will move you closer to your goal.
Lifemoney Currency “Visualization is daydreaming with a purpose. Acquiring anything starts with imagining it constantly. an action you take. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. Take responsibility to hold those images in your mind. but our brains respond better to the real thing. Sometimes having that physical object can help make an abstract idea seem more real. There is no substitute for keeping the proper image in your mind at all times. Why? Because you will create whatever you’re visualizing. your accomplishments and your dreams? Some 139 . 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. whether at home or at the office. Look at your workspace. Do you keep a special object to remind you of your roots.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500. and I still have the toy versions to help me remember to make my dreams real. good or bad.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. That is a conscious choice. I have had both of these cars. To date. Those that fail to reach their dreams are often letting their positive visualizations vanish. All success starts in your mind. Do what you can to make a real “object” out of your goal.
start collecting those things and placing them around you. This is especially important in creating objects that represent your personal goals. and she keeps it near her heart as a reminder of how much she misses him. The object for your personal goal might be something that brings to mind your dream. and how important it is to enjoy every minute. an award or commemorative gift. the one he died on. A miniature horse that fits in your palm could be the symbol of your future breeding farm.Lifemoney people have desks covered with trophies and some have desks covered with bills. Dieters sometimes buy clothing in the size they want to be rather than what they are now. It also keeps her motivated and helps as a reminder of how precious life is. whether past. Real objects have power. Queen Latifah wears a key on a chain. 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. it should be something that reminds you of and keeps you motivated to achieve your dreams. 140 . or another small. The key belonged to her late brother’s motorcycle. seemingly insignificant object that reminds you of something very important. Who do you think is more positively driven? Around her neck. Whatever you choose. Chances are you have a framed photo. If you don’t. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. present or future.
it seemed I got the truth out of him. I looked at my friend as if to say. From his perspective it was good that the place 141 . I put that check in the casket with my father because it was our dream together. His success is attributed to seeing what’s not there and being open minded about what can happen. “We’re out of here. When we went into the place I was very disappointed. Although I loved the building and the area. It looked like a hurricane had come through and no one bothered to clean up after.” But David wasn’t quite ready to leave. and he informed me they had been trying to sell it for over a year. Well.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995. I remember him helping me out once when I was looking for a small rental property. I thought I knew something about real estate and I asked the agent how long the place had been on the market. What I saw as a negative. my friend saw as a positive. I put it in my wallet and it deteriorated. he explained to me that this was a great deal. After bothering the agent. that was it for me. crunched some numbers and while we were sitting down for coffee afterwards. manages some and sells the others.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. just before Thanksgiving 1995. And then. I found out I was going to make ten million dollars for Dumb & Dumber. the actual apartment was terrible. He asked more questions. He buys a lot of properties.
How? We were able to get the price from $165. She is good at her job and has been with the same company for over 10 years. Anybody can see what’s obvious but only a few can see potential. Creativity Factor #4: Ask big There is huge power in learning to ask big. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. 142 . David helped me to see the real value of that deal.000.000. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. My girlfriend. does medical billing and is the office manager for a doctor’s office. 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. She envied my work schedule and the fact that I could arrange my days as I saw fit.000 co-op for $175. it appeared that I would be buying a $200.Lifemoney was a wreck and was on the market for so long. Most people who walked in there did not see the value of the place and could not picture what the place could look like. You can do this in your own life.000 down to $150. Although Liz was happy with the money she made and her success in what she did. she really wanted a more flexible schedule. Liz. By shifting perspective.000 and after spending $25. So try! It is a valuable lifemoney skill that can translate into big cash money. After David did the math with me. 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.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200.
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
Is there some way to save time or money at your job? Can you trim the household budget? How about trying out a new skill? Most people have a lot of potential that goes untapped. Lifemoney Currency “A problem is a chance for you to do your best thinking. I seek out new perspectives to old problems. _____ 4. Engage your creativity now by taking stock of your situation. and invest the energy in some creative thinking about going after the things you want. I have objects around me that symbolize the success I seek. but seeing what’s not there. _____ 2. Remember that one of the most important aspects of creativity isn’t seeing what’s there. Make the time. Take the time to evaluate your situation and try a creative approach. I can visualize my success through a variety of mental pictures.Creativity Creativity Summary Why wait for your dreams to happen when you have more time? You will probably never get more time to chase them than you have right now. _____ 3.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. Don’t let yours go to waste. 147 . _____ 5. 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.
” -Brad Turk 148 . _____ 9. Lifemoney Currency “Just because something isn’t being done. _____ 7. I make detailed mental images of what I want. hasn’t been done or looks like it can’t be done. I know when I ask boldly. _____ 8. I keep asking bigger questions to spur my creativity. doesn’t mean you can’t do it.Lifemoney _____ 6. I avoid the herd mentality at all costs. I will use creativity to help me attain my goals. great possibilities are created. _____ 10.
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.People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. Using people skills in a competent. For almost any goal you may have. but it should make your life experience more rewarding as well. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. professional and powerful way will not only aid you in achieving your objectives. So learning to interface with other people is vital to realizing your goals. 149 . getting others involved will be a major key to your success. if people get better at these people skills. 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.
hard working and considered her sales position as her own small business that she was managing. I had a salesperson who was one of the most charismatic people you could meet. Their “House Rules” were specific to how they thought a salesperson should be. from being a salesperson. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). that we are all different and had different needs. She was self motivated. On the other hand. I had one rep who was just like I was as a salesperson. and that I could not work her harder than she would work herself. He was always late. During that time. I saw from past managers that I have had. They were men and women of different races and backgrounds.Lifemoney While I was at MCI. I knew she was a hard worker. that same uncle died again. 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. who he missed that had passed away about a year before. Amazingly. He had so many excuses that he was losing track of them. I knew first hand. He once told me about his only uncle. I quickly realized that to deal with people effectively you really need to understand what motivates them. and he needed a couple of days to 150 . I provided them the resources to work in an environment where they could thrive. I did for her what I wanted my sales manger to do for me – I stayed out of her way. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. out sick. I worked as a manager for a short period of time. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. that she would get the sales in. or had an excuse for something going wrong. As an example. I was managing a staff of 8 sales people who all had extremely different personalities.
you need to know what their needs are. I treated him how he needed to be treated. but it allowed me to really connect to my reps and form lasting friendships. and at least once every day gave him a swift kick in the ass. especially when it comes to dealing with people. I micromanaged him. Lifemoney Currency “Shared joy is a double joy.People grieve. Shared sorrow is half a sorrow. 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 . Not only was this experience a financial success for me. some I still have to this day. So to get the most out of people and to win them over to your cause. Think of a past problem you had with a specific person. Be as specific as you can. Anyway.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. Are you a people person? Few of us respond to every situation in perfect form. and told me that he needed that treatment to get him where he wanted to go. He later thanked me for helping him.
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.” -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. standing in the gap to close it for us. or rhythm. there are lanes for incoming and offloading traffic. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. Conversation involves someone speaking and someone listening. Listen. 152 . Success doesn’t happen by accident. The primary way we communicate with others is through conversation. even dealing with people – especially dealing with people – requires proper planning. For relationships to be mutually valuable you must build a bridge that goes two-ways. Step # 1: Be a Good Listener People want to be heard and understood. of preparing yourself to deal with people rather than doing so on instinct or history. everything. When it is your turn to listen. do not speak. Lifemoney Currency “Every one of us gets through the tough times because somebody is there.
Although I knew my resume would be suitable for the position. It turned out to be a win/win for us both. I asked the interviewer a few key questions about himself and what had made him successful in his career. He was so excited to talk about himself and his experiences that at the end of an hour. When you talk to others.People To demonstrate how much people want and need to express themselves and feel understood. At the beginning of the interview. If you want to win them over. listen with a reason. Be enthusiastic about what they are talking about and who they are. advice or assistance. find out about them. let them talk about their skills. If you really take an interest in what they are saying you might learn something. he took an interest in me. not just another segue to a story about yourself. 153 . Keep in mind he found me so interesting and I barely said a word. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. it seemed as if we did not even speak about me. Smile. people like people who like them. we did not get to discuss my history. Try and put yourself in their shoes. this guy not only offered me the job. You can’t learn from them if you’re talking. Step # 2: Take an Interest in People When you listen. Yet. Watch for opportunities to offer empathy. Let the other person speak – while you LISTEN. I will tell you a funny story about a job interview I once had. at the end of our meeting. their needs and their accomplishments. Again. Ask questions. Because I took an interest in him. Everyone’s favorite topic of discussion is themselves. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position.
The gift you are giving is worth far more than anything you might hope to gain from turning the focus of the conversation to you. Have faith and patience that the longer these relationships last. and someone you are talking to tells you about a game of racquetball they played. you only aggravate yourself. Try it and see how it works. The more you listen to others. If this sounds fairly one-sided. But the funny thing about building these bridges is they work both ways.Lifemoney Let’s say that you are a very good racquetball player. 154 . you don’t have to interject your knowledge or skills. But you need to be genuinely nice. Some people are just genuinely grumpy or mean – but these people are not the majority. Let the person tell the story. Most people react in a negative way due to circumstances. In building up conflict instead of offering genuine kindness. it might be. the more two-way they’ll become. and telling your stories. Even though you can relate to the story because of your expertise. 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. Don’t take that away by changing the subject to you. 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. Let the other person feel important and appreciated. Don’t fake it! Did someone cut you off on the road? Maybe she was going to see her husband who has been injured in a car accident. the more they’ll learn by example and start paying you back– by listening to YOU. Step # 3: Don’t Undermine – Understand It’s easy to criticize. They’re getting enjoyment out of reliving an experience or sharing an insight. at first. brag or whatever they wish.
screaming and struggling to free himself. even though you typically arrive on time. “I want to repay you. mired to his waist in black muck. while trying to make a living for his family. Farmer Fleming saved the lad from what could have been a slow and terrifying death.” 155 . a fancy carriage pulled up to the Scotsman’s sparse surroundings. Crazy things happen when you reach out to people and pay some kindnesses forward.” said the nobleman. He dropped his tools and ran to the bog.org/i4a/pages/index. The following is a very interesting and true story of paying it forward that was taken from the Winston Churchill web site at http://www. Maybe you got up on the wrong side of the bed.cfm?pageid=102. The next day. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. His name was Fleming. Maybe you weren’t feeling well.People Think back to a bad day you had recently. was a terrified boy. There. and he was a poor Scottish farmer. On the way to work you get stuck in traffic due to road construction. “You saved my son’s life. Then the boss yells at you for being late.winstonchurchill. 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. One day. he heard a cry for help coming from a nearby bog.
and went on to become known throughout the world as the noted Sir Alexander Fleming. This not only looks bad.” the Scottish farmer replied waving off the offer.” the farmer replied proudly. “Yes. “I’ll make you a deal. The name of the nobleman? Lord Randolph Churchill. the same nobleman’s son who was saved from the bog was stricken with pneumonia. If the lad is anything like his father. in time. At that moment. I know it is because I never really made a true attempt to focus on remembering them. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. Farmer Fleming’s son attended the very best schools and. Years afterward. Mary’s Hospital Medical School in London. Let me provide him with the level of education my own son will enjoy.Lifemoney “No. His son’s name? Sir Winston Churchill. graduated from St. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. the discoverer of penicillin. “Is that your son?” The nobleman asked. but I think people can tell when you don’t remember their names. What saved his life this time? Penicillin. 156 . and it’s a little bit insulting.” And that he did. the farmer’s own son came to the door of the family hovel. he’ll no doubt grow to be a man we both will be proud of. I can’t accept payment for what I did.
If their name is “Brad” and they look like Brad Pitt. the intangible benefits of having their name 157 . Brian. you might think “sad Brad” or if they look happy. “Nice to meet you. But if they look like they’re very tired and sad. 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. Let’s say for example that I need help with financing a business deal that’s important to me. 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. Where do you work? Is that right? Sounds interesting. but I will stress what’s in it for them: a great rate of return. For instance. nice meeting you. it’s easy.People I would suggest you develop a system that helps you put greater effort into this huge priority. Let’s talk about that sometime. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. Again. 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. “glad Brad. Brian. they will be interested in helping you in exchange.” You get the idea. the value of the proposed deal. One idea is to repeat the person’s name out loud a few times during the introduction.
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. I’m always thinking “what do they want. Remember that getting the support you want depends in part on providing others with what they need. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. a coworker or a friend. and how can I give it to them?” I am not saying you can’t get help any other way. …you get the idea. The winner of an argument in real life is often the loser in the relationship. energy and commitment – will be that much greater if you provide people with something they want. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. inferior. when they did help.Lifemoney associated with the project. All you will do is make the other person feel bad. how 158 . stupid and embarrassed. too. whether a free meal. the fun we can have together as a team. That only happens in courts in front of judges. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. they would have behaved differently. 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. If a friend is remodeling a kitchen. a case of beer or concert tickets. but the level of intensity – time. 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. offer to help.
and even then be careful. upset or just want to communicate with someone they care about. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. Always try to look inward to the core issue. Let others mention your accomplishments before you do. Don’t act rashly or lash out. 159 . Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. Often. I make a big distinction between arguing and disagreeing. Think about someone in your past that pushed unwanted advice on you. Don’t brag.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. Step # 8: Think Before You Speak In any discussion. people argue because they are hurt. even if it’s negative communication. Disagreements on the other hand can be powerful sources of new information and a chance to grow. Keep in mind that everyone is born equal and deserves to be treated that way. Think your words through. 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. Relax. Don’t give advice unless it is requested. Arguments. do nothing but harm. aggressive individuals that think they know it all. Wait for your opinion to be asked before shoving it at someone. be it personal or professional. Show. don’t tell. no one is impressed. Speak from a calm center. Don’t speak out of anger. particularly defensive and mean ones. be self-controlled.
Everyone makes mistakes and will disappoint you at some point. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. 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. but it’s extremely important. but we all have problems. Or you might have helped a coworker with a difficult project. Don’t cry or whine over any of this. Some of those mistakes will be at your expense. This may seem like a small thing. It makes a deep and lasting impression that money can’t buy. Look people in the eye and give them respect when you speak to them. even after working hours of unpaid overtime. but received no sense of appreciation.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. lower your expectations of others and increase them for yourself. Step # 10: No Whining Allowed No one likes a whiner. It’s not that your problems are unimportant. Always say please when asking for something. Shake hands firmly and introduce yourself when around new people. 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. From time to time you may even take the blame for something that isn’t your fault. 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. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. To get along in this world without becoming an irritating whiner. but he never called or wrote to say thanks. Take courtesy even further. Just remain calm and don’t shoot your mouth 160 . You would be surprised how far all of this will take you in building relationships.
The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. As I mentioned. Step # 11: Your Word is Your Bond Do what you say you are going to do. You never know when you might have to go back the way you came and deal with that person again under better circumstances. Your word means everything. chances are your credibility will be shot for all that you do. 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. being late is a sign of disrespect for someone else’s time. If you can’t be trusted on one issue. When people know you are dependable.People off and burn bridges. more opportunities will be sent your way. Also. but this true story illustrates how sensitive some people are to lateness. to a successful person. Even if it is just to arrive to a meeting at a certain time. 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. 161 . I know this is extreme and there are times when being late can’t be avoided. especially in business. time is their most valuable asset. I had an appointment with someone and I showed up 15 minutes late.
It could be a friend who is always cooking up a crazy idea that never gets out of the starting gate. put you down or turn you off. They might be an older brother who sets a bad example with his drug use or gang activity. but you have to put first things first if you ever plan to reach your goals. They may be hardheaded bosses who refuse to think out of the box. You probably already know who some of these “avoidable” people are. politely let them that you will get in touch when you have time. To get rid of the people who will hold you back. don’t be afraid to cut ties totally.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. or who tell you to give up because you have more important things to do. It’s not that you can never enjoy recreational time. If it’s someone who is really just negative and brings you down. like fishing or playing cards. If you don’t like 162 . They can be so-called “pals” who don’t believe in you. while your reputation is merely what others think you are. because your character is what you really are. 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.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. or that costs you plenty when it does get a running start. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return.
Either way. it’s simply a move in a new direction. if they’re far away. They might be a good friend who listens while you describe the goal you want to reach. cling to them. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. If they’re nearby. or they may be a total stranger. as well as your plan for getting there. quite literally. you must also make room in your life for the motivators. In fact. It might be a mentor who leads by example or. They’re a little harder to find.People where the bus is going or you changed your mind in the direction you want to take – get off. make sure that you’re always riding the right bus for you. seek them out. A motivator can be anyone who trusts you to follow your dreams. It’s not quitting if you’re the one doing the choosing. Just as you must get rid of the people who will drag you down. Find a new bus or another means to get there. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. 163 . And the more you hunt for them the more they will be attracted to you. the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. Either way you’ll know these motivators because you’ll feel an instant attraction to them. 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.
Associate with positive. Lifemoney Currency “One skill you act on is better than 12 that you don’t. This is the best way I know of to master this list.” -Brad Turk 164 . In fact.Lifemoney Lifemoney Currency “Get around the right people. Don’t move off to try another one until you’ve seen results with the first one. Then magic happens. keep using it until you don’t think about using it anymore because it’s so natural. What’s the best way to learn them? Choose any one of these and use it today.” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson. goal-oriented people who encourage and inspire you. 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.
I don’t whine. _____ 5. although I can politely disagree. I make efforts to express appreciation and good manners to others. _____ 6. A huge part of receiving is giving. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. and then tally your score. _____ 9. _____ 7. and I often make efforts to give without expectation of receiving anything _____ 4. Lifemoney Currency “Find people to make up for your lack of know-how and.People Millionaire’s Checklist: Check all the items below that you agree with.” -Brad Turk 165 . I understand the value of tolerance when dealing with difficult people. eventually. I am taking an active interest in people _____ 3. I am learning to be a good listener. I always remember the “what’s in it for me” rule. _____ 10. I have a good sense of which people to pursue and which to avoid. I keep to my word. you WILL know-how. _____ 8. I try to stay calm and avoid arguments. _____ 2.
This talks about some of the things I’ve found useful in creating a positive mind. 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 . What you believe you’re going to get in life is pretty much what you’re going to get. 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. a well maintained attitude and a “no excuses” outlook. you'll start having positive results.Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones.” -Willie Nelson Overview Someone once said.
From the outside looking in. If you focus on the negative. When I finally had the chance to meet her personally. I don’t know if it was her beauty. or do you think that it probably won’t happen for you? This question is like a fork in the road. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. and whichever direction you take in your mind will probably dictate your destiny. I could not imagine with all of the advantages she had been born with that she would not appreciate and enjoy each day of her existence. On the contrary. It appeared that everything annoyed her and she was never happy. He was both successful in his field and wealthy. you create road blocks that stop you from achieving your goals. if you focus on the positive. As a general statement positive thinking plays a powerful role in helping us achieve what we set out to do. 167 .Positively Thinking Do you believe you can reach your goals. her money. happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college. You just have to know that you’re heading in the right direction. it appeared she had everything that a person could want. I saw her complaining everyday about what I thought were very trivial things. I was amazed to see how miserable she was. or the fame of her dad but everyone in school wanted to be near her. you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. Her father had been an executive producer of some very well known films. The Multi-Millionaire Blues A good example of how attitude. I figured she would have far fewer worries than other people! In getting to know her. believe that it can happen and know that you have what it takes to make it happen.
Lifemoney I stayed away from her negativity and did not associate too much with her. 168 . Maybe you come from a family with many losers and too few winners. So don’t worry about what you can’t do. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. you do have complete control over what you choose to think. You might feel as though you are destined to continue the long line of defeat. 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. focus on what you can do. Though you have no control over the actions of others. I heard a few years later that she had attempted suicide. and say. But you may also have skills and opportunities for turning the game around and coming out a champ if you will only take the time to believe in who you are and who you will become if you reach your goals. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. do. 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. They complain about all the ways in which other people or circumstances are standing in their way. what you attract into your life and your ultimate success. It’s not what you have but how you perceive things that really counts. “He’s the reason I can’t get ahead” or “If that hadn’t happened I would be rich by now” are just excuses for not taking responsibility for their own lives.
You have even more desire to do better than others may have. Change the channel and play the role starting now. It starts in your head with your mental remote and plays out in reality. 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. 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. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. Lifemoney Currency “Just can’t live that negative way…make way for the positive day. In America. STOP! Forget the excuses! If you grew up poor – good. there is nothing stopping you from becoming all that you dream of becoming. If you feel yourself beginning to argue with me.Positively Thinking Practice turning negatives into positives. If you catch yourself repeating the complaints above. I want you to understand that you’re holding the remote in your hand to switch to that channel. You dream 169 .” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success.” Your mind is yours. You have the resources others don’t have. If you grew up wealthy – good. you better change your mental channel. 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.
Lifemoney it. Do it and watch how your outlook brightens. but he said that all the intense effort and workouts did not give him the extra edge that he needed. and owned the feeling of a champion. It was the mental focus on all that he did that made him the best in his field. and guess what? It’s yours. you work hard to get it. Arnold Schwarzenegger went into every competition thinking he was the winner. He visualized it. Also. write down a lesson you learned from this failure. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. The mind rules over every part of the body. took it on as his personal goal. Get your mind on the right channel and the body will do its part to follow the plan. Failing does not make you a failure if you let it teach you lessons. Obviously. 170 . List five failures that caused setbacks in your life. This is the way you turn negative experiences into a positive ones. you implement your plan. Failure can be a very positive experience if you dig through it to find a good lesson. Goal Achievement Exercise T Take out your Workbook. and explain how you will avoid one of those failures in the future. This attitude and confidence spread and led everyone else to believe the same. you have a smart plan. that had to be coupled with hard work and long hours in the gym.
a Donald Trump in real estate or a Jay-Z in the studio. Looking back have you been a complainer or a fixer? If you had it to do over. but it does happen. 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. Rather they give years of their lives charting a positive course and expecting greatness. Which have you been? Be honest with yourself. 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.Positively Thinking Lifemoney Currency “Many of life’s failures are people who did not realize how close they were to success when they gave up”. Negative people complain about things and positive people fix things. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success. But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking. Understand that a positive mindset happens first. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 .Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. They have a mental certainty that what they’re doing will lead them right to where they want to be. would you handle things differently? If so. -Thomas Edison Don’t Complain . If you want a piece of the action.
Instead of whining about what you don’t have. 172 . How do you do that? You’ve heard me say that we cannot always control the events in our lives. The same is true about anxiety.Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. Begin positive. start looking for what you can get. and get frustrated. did a previous employer offer to pay the tuition for you to return to school. get it in positive ways by becoming an encourager. Why? Negative thinkers typically think that they’re stuck and will be miserable forever. especially if it was a thought that stopped you. and never feel played out. but we can control our responses to them and the actions we take as a result. stay open and be ready to jump into action. an inspiration. The solution is to stop complaining and fix your attitude. Make a mental note not to miss these kinds of opportunities again. These are all signs of a distressed and negative mindset. that a former teacher encouraged because you secretly had no confidence in your ability. Begin using positive thinking to search for new ways to impact your life. If you want people’s attention. and a role model. People are much more likely to admire and support you if you adopt this mindset in your everyday life. but you didn’t go? Perhaps you thought “I’m too old” or “I don’t have the time right now”? Maybe you failed to follow up on a special talent or skill. like drawing. Is stress holding you back? Stress is often closely linked with a negative mental attitude. Positive thinkers are always focusing on ways to positively impact their world.
Include options like going back to school.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start.” -Anonymous Goal Achievement Exercise U Take out your Workbook. or relationship opportunities. 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 . cultivating new relationships (or restoring old ones). anyone can start from now and make a brand new ending. developing new skills. overcoming a bad habit. These could include lost academic. When you’ve completed this list. make a new list of potential opportunities for the future. employment. Make a list of opportunities from the past that were missed due to negative thinking. That’s a great first step in positive thinking. Make the list with a new sense of optimism and hopefulness. Lifemoney Currency “Attitude is a little thing that makes a big difference.
Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. Often when we look at successful people we only see the end result without understanding what they had to go through to get where they are today. 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. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. Helen Keller. Some famous examples include Beethoven. football coach. whose deafness did not stop him from composing classic musical compositions. or at least their little piece of it.” -Lou Holtz. Positive thinking sets them on a course for achievement. and even a modern example like Hilary Swank who after getting fired from Beverly Hills 90210 for being a bad actress went on to win 2 Academy awards. broadcaster 174 . Lifemoney Currency “Adversity is another way to measure the greatness of individuals. who minus sight and hearing became a model of inspiration to others.
Positively Thinking Worst Case . Don’t be intimidated by life situations like this.Best Case Try this experiment to create more positive thinking. You may submit a proposal and wait months before 175 . Lifemoney Currency “The only disability in life is a bad attitude” -Scott Hamilton Keep It Moving Unlike a great speech where you get immediate feedback. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. who is going to think twice about your errors after they arrive home that night? It would never happen. And if they did laugh. 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. so you’re already way ahead of them. so what? Who cares? Besides. 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 in your audience would rather die than speak. What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. Instead think in terms of best case/worst case. Think about something that you are afraid to do because you think you might fail. Most people don’t remember what even great speakers say! Besides. Then take on life without apology or embarrassment.
why not be positive. Unless you’re prepared to wait. Think of it this way: you’re going to have to spend the day in some way.Lifemoney getting a reply. It’s time for a change. 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. 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. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. lack of feedback can lead to negative thinking. She’s probably like all the others. Teach yourself to stay positive even if nothing great appears to be happening and keep it moving anyway if it is helping you reach your goals. The way to get over them is to keep it moving until something positive does happen. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. This relationship is going nowhere. 176 . Without those first small steps there could be no end result worth noting. Stay positive by remembering that lesser. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. Do you ever catch yourself saying negative things in your head? It’s human nature to soak up some of the negative energy surrounding us.
especially if others are telling you it won’t happen. trying to get into graduate school. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. The idea is to simply stop thinking negatively and to find something good to say “yes” to. Really look carefully at these statements for a moment. For example. I’m going to call her and plan something exciting. it may seem unreachable at first. or climbing to the top of your profession may seem unachievable at first.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. But that is the time to push the envelope to reach your dream. Are they entirely accurate – or just knee-jerk reactions to momentary troubles? It might simply be that the relationship is too new for either person to know where it’s headed. 177 . The key is to quickly counter the negative talk the instant you recognize it. Or maybe the girl has a habit that reminds you of someone you used to date. Create a Repeatable Success Thought When you set your sights on a distant goal. going back to college at 40. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. We ought to try a little longer in case this turns out to be something good. They rob you of positive energy and momentum. the faster your mind will change into a direction that goes forward.
I do not need second helpings. Be specific and limited. Make your success thought as specific as possible. Nothing can block my success.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. Don’t write long sentences or anything that is too short or vague. To avoid negative self-talk and track negative thoughts. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. and repeat it often.” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence. I will take my wife to Hawaii next year. Goal Achievement Exercise V Take out your Workbook. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1.” (Too long and detailed) 2. “I plan to stop spending too much money and will close all my extra credit card accounts and only carry cash when I go shopping. the sooner you will believe it. write down positively phrased replacement terms you can use as success thoughts.” (Too short and vague) 178 . I will speak up at today’s meeting. I call these “success thoughts. The more you say it. “I’ll stop spending.
update the success thought for a related goal. Instead. “I won’t charge more than $50 weekly. “I’ll pay my balance each month. Lifemoney Currency “Anything is possible. and you have to fight. After a few weeks.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.” (Positive. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance. “I’ll use just one credit card. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. but you have to think positive.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. 179 . use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. When you fall down. Everyone makes mistakes. but the important thing is to think positive. pre-recorded message that reminds you to stay on track. specific and helpful) 2. detailed and valuable) Use your imagination to come up with more positive statements like these. such as.” (Positive. it’s how you view them and what you do about them that matters.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success.
Don’t let anything keep you from getting it. 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. Keep focused on what you want. 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.” 180 .Lifemoney Don’t let past failures hold you back. remember that you are responsible for how your life turns out.
not a loser. _____ 3. Lifemoney Currency “Some view the glass as half empty. I am watching for opportunities to say yes to. I repeat success thoughts to myself as often as possible. _____ 8. to fix my situation. with the waiter on his way over to fill it up. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 7.Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. _____ 9. I am making consistent efforts not to complain. _____ 4. some view the glass as half full. I will act as if I’m in the role I want to play. and then tally your score. I will continue viewing myself as a winner. I keep moving ahead even though I’m not getting immediately rewarded. I refuse to hold on to negativity and past misbehaviors. _____ 5. I am learning to manage personal and job-related stress by positive. but rather. _____ 10. I can see how past accomplishments have prepared me for the future. I will not let others’ pessimism interfere with my plans to reach my goals.” -Brad Turk 181 . proactive thinking. _____ 1. _____ 6. I view the glass as half full. _____ 2.
it turns denying yourself into investing in yourself. When you recognize that sacrifice is frequently a part of success. They say I have broken every bone in my body. We want it now. But I have broken 35 bones. If we could find a way we’d have it yesterday. 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. I forget all of the things that have broke.” -Evel Knievel Overview Few of us do well with sacrifice. I had surgery 14 times to pin and plate. Successful people know that dreams don’t come pre-packaged overnight. it just doesn’t come naturally. 182 .Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. Not true.
big time! Big or small. grateful for the opportunity to have all the work they can handle. Many immigrants come to this country with nothing but the shirt on their backs. They are simply unwilling to sacrifice anything to get where they want to go. I will tell you right off the bat that I wouldn’t be. Some work two and three shifts for years at a time. Why? Because they work hard.000 in sales. some become millionaires. They lay everything they have on the line. saving every penny to open a restaurant. Ask filmmaker Spike Lee. you have to make those kinds of sacrifices. It cost him $175. In 1986. Spike Lee knows that sacrifice can pay off . Was the sacrifice worth it? You’d need to ask him. 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.100. sleeping just a few hours a day. Within a generation. store or business. off the ground he did just that. 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. sacrifice is often a part of any success story. But if that was the only way.000 in domestic box office sales. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants. to get his first film project. but I can tell you that Spike would probably say yes. rigorous job to get where they want to go. would you? 183 . Since then Spike Lee has produced at least 22 other films that have made over $433. She’s Gotta Have It. This much I can tell you. there are people who were born in this country who complain about the lack of jobs.000.000 to make the movie and it grossed $7. Yet.Sacrifice Borrow.
Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. took a job as an insurance salesperson straight out of college. He had to sacrifice his nights and his only free time in order to get where he wanted to go.” -Dali Lama Sacrificing for Success Mike Luckovich. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. to reach out and grab your future? • Just how far are you willing to go? It’s vital to answer these questions and know these things about yourself.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. There were no shortcuts to success. 184 . Lifemoney Currency “Judge your success by what you had to give up to get it. 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. Pulitzer Prize winning political cartoonist. at almost any cost.
Jr. He could have taken the easy route to avoid jail time. if becoming more physically fit is one of your goals. $100 per month for a gym membership. list three things you now do. They are costly and precious. 185 . Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. What do you have in your life now that is expendable. and/or enjoy that you are willing to part with in exchange for your goal. Goal Achievement Exercise W Take out your Workbook. For example. But he stuck with it. etc. improving the lives of millions of people. have. Choose one of your goals and write it out. 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. spent months in prison rather than surrender his belief in equal rights for all people. Below the goal you just wrote. and I can’t make up your mind for you. and you will have to be ready to give it when the time comes. or he might have gotten discouraged and given up. However. I am committed to helping you get where you want to go.. your sacrifices could include six hours of your time each week for daily workouts. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return. 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. or is your goal just a casual want? Only you know. List the tradeoffs you are willing to make to reach one of your goals. You have to be willing to do whatever it takes to claim them. Ideals are not cheap.Sacrifice Martin Luther King..
They’re both chasing the same dream: business success. But as we’ve seen that’s not always the case. When you get enough. you eagerly add a few dollars here and there to save up the needed amount. 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. Success has value because you have to work for it – you earn it.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. Ten years later they both have good jobs – the first in her own company funded by her parents and the second in her own company that she scraped together every penny to start. Whether it costs $20 or $200. Which one do you think 186 . presenting it to your friend or loved one with a sense of tremendous accomplishment. You can view your goals in the same way. But after years of careful thought and unwavering perseverance. If you could just reach out and get them today. Imagine a scenario of two young women. when you do reach your goals. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. you proudly go out and purchase the gift. they will mean the world to you because of what it cost to reach them.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. there would be no effort or cost attached—and they would mean very little.
). money.” Do you feel that way about your road to success. Why does she appreciate it more? It’s common sense that when you pour out your own blood. at least temporarily. and sacrifice to reach this goal? Here are some of the possible “costs”: • Give up an hour or more of sleep to work on my plan (get fit. you have already begun to outline some of the goals you hope to reach and have created a plan to get there. Seek help when I get stumped. • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. or taking a class. or run into problems. That cost is part of the joy of success. have a question. Invest a certain amount of income toward reaching my goal(s). 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. Develop a needed skill through a second job. Find the non-essential time-eaters in my life and eliminate them. Are you ready to figure out what it will cost in time. 187 . Put less important things on hold. Period. “anything worth having is worth working for. But no plan is complete without counting the cost of reaching your objectives. write a book. In planning for your future. You’ve probably heard the saying. volunteering.Sacrifice appreciates the success more? You know the answer. sweat and tears for something you’ll own it in a way that nobody else can appreciate. Get feedback from those who already have accomplished similar goals.
188 . If you spend all you have. 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.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. too. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal.” -Sidney Howard Number 2: Delay gratification Sociology experts tell us that one of the differences between the lower class and the upper class is the ability to delay gratification. But 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. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. It’s a simple fact of life. there will be nothing left. The wealthy will have enough from current savings and investment plans. Underachievers live for the day and overachievers live for the future. 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.
For example most of us don’t get paid for our work at the end of each day. Let’s build your ability to delay gratification. Instead. play tennis. every other week. When you think about it. Goal Achievement Exercise X Take out your Workbook. list something you will get done before you have your fun. almost any achievement in the world will become immediately more achievable. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. or at the end of the month. List one or two tasks you will have to complete before you get your reward. 189 . which in the end brings it own kind of reward. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. many areas of our lives undergo postponement. go shopping. we collect paychecks every week. List two or three fun things you want to do today. All of these things take patience. It might be go for a walk. Do this exercise well and discover how much more you get done and how much better you feel. eat some ice cream. In other words we’re doing it anyway. watch your favorite television program. Then underneath each item you expect to give yourself today. Make sure that those things on your list are things you really want to do.Sacrifice Delaying gratification is something you get used to. etc. 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.
Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. say $25 per month. the results will come. But with a little effort. Just do it. and social activities. Many goals that seem hard at first become easier once you get momentum established. family. I don’t do things half-heartedly. The same is true for working toward your future goals. setting aside time for future rewards is like making deposits in a savings account. Devote fifteen to thirty minutes several days a week to your goals. Depending on what you hope to achieve someday. you can arrange for a direct deposit straight from your paycheck. Finding time to work on long-range goals may seem impractical. and it may seem difficult at first to find enough extra income to make regular deposits. You may be reluctant to open a bank account. We barely have enough time to get through a typical day with the demands of work. then I can expect halfhearted results. But actually. Because I know if I do. Most of us lead busy lives. especially if you begin with a reasonable amount. So do it. making community contacts. pulling the trigger and going for it. But you won’t know that until you pull the trigger and get moving. Start small. so you will never miss the amount of each savings account deposit.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. this could involve reading. doing 190 .
For example. But if you keep pulling the action and sacrifice trigger. Whatever it is you must give up. visit with your representative. None of those tasks took a long time – but each one was a step toward realizing a goal. Life is a bit like that. you may need to first attend some political rallies. Pull the trigger already. 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. or volunteer as an aide to learn the ropes. do it. keep in mind that you may have to work through several levels of effort to reach them.Sacrifice volunteer service. then you have to keep on doing the whole lot. Remember that one of the keys to success is to learn everything about the role you want to play. of course. And keep pulling the trigger at each “next” level of achievement you’re taking. so pull the trigger now and get your show rolling. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar.’ but he didn’t know which half. if you want to get involved in local government. Whatever your goal. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. fully aware that not all of it will produce rewards. that if you can’t tell which half. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. This 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. His point was. Everyone has to pay their dues as they work. this means you’ll have to give up something in exchange for this valuable daily time. Naturally. You put in 191 . you will be rewarded. from the inside out. Sometimes it seems unfair.
This is the shadowland of hope.and which aren’t. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work. Well. engraved there to inspire the youth of that school. Your efforts will be rewarded eventually. and others cruise it. but you’ll probably never know which efforts are being rewarded -. Lifemoney Currency “I wasn’t going to be one of those people who died wondering what if? I would keep putting my dreams to the test—even though it meant living with uncertainty and fear of failure. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile.or for what -. and anyone with a dream must learn to live there. You’re polite to people and everyone seems rude back. It reads: 192 . It’s a simple lesson that has never failed to produce great results for me.” This quote summarizes a great lesson I’ve learned throughout my successes. you have to keep doing the 100% because you don’t know which bits will pay off. The lesson is that you must continually give 100% effort in the direction of your dreams. You work up a sweat. I know it isn’t fair. but then life isn’t.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure.Lifemoney loads of effort and get nothing back.
Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. but they rarely do. and someday my chance may come. one of Ness’s fellow agents. What are you prepared to do? 193 . the work doesn’t seem like work. Nobody wants to hear about effort and work and sweat. an Irish cop played by Sean Connery. In addition. 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. Good things don’t just happen to us. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. and then force ourselves to work hard for them. It’s not nearly as bad as you might think. Sacrifice is sort of the dirty word of success. In the movie.Sacrifice “I will study and get ready. One of my favorite movies is The Untouchables. we have to figure out which ones we want most. if you build your Lifemoney. Instead. having been mortally shot. Are you prepared to follow this through. Maybe they should. no matter what the cost? That question hangs in the air several times during the movie as all the men do a gut check as to their willingness to take down the feared Capone.” The emphasis is on the preparation. Those people just don’t exist. asks the scared and unsure Ness “What are you prepared to do?” It was a question of challenge in the face of great fear and intimidation. The good news is that if you’re in love with your dreams and want them so badly you can taste them. But show me someone who has achieved their dream without it. the whole process of success becomes easier. then he dies. At the climax of the movie.
focus on “what am I going to get in return?” Investments of time or money are long-term deals. Keep your eye on the prize and focus on what you’re going to get in return.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. the payoff will eventually be seen. Be prepared to give up more of what you have to get more of what you want. to reach out and grab your future? Don’t spend the rest of your life wondering what might have been. But don’t dwell on the negative aspects of “what do I have to give up?” Instead. and some require harder work than others. But if you keep putting in the effort.” -Wayne Gretzky 194 . What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes. Most do not pay off immediately. No one likes to sit around wondering what he or she has to give up as an investment in a dream. at almost any cost. In the end. sacrifice pays off. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in. Only you can decide what you are willing to give up in reaching your goals.
I am pulling the trigger on my talent today. I am prepared for life. _____ 1. ____ 10. I am willing to pay the cost that is required for me to meet my goals. _____ 6. I am learning to delay my gratification for both the present and the future. _____ 8. _____ 9. and then tally your score. I am willing to set aside less important activities to focus on my goal. I believe that planning for the future is as important as getting by today. _____ 7. giving yourself 10 points for each checkmark and 0 points for any left blank. Some of my goals will require that I hang tough. I have identified several things in my life that I must sacrifice for success. _____ 5.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. _____ 3. I have calculated my goals’ financial costs and scheduling adjustments. I will put forth 100% effort at all times. _____ 2. _____ 4. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 .
It is the ability to let go of the need for immediate gratification.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. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. tension or frustration. Yet our lessons come from the journey. without experiencing anxiety. 196 . not the destination. J Overview Having patience is a key ingredient to successful living. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results. By patience.
It’s as if patience is a simple building block of satisfaction. This is one of my personal flaws that I am working on. which is a powerful force that gets things done. 3) I can’t stop for even a second until I reach my goal. you need to be patient and wait for your results. you run the risk of anxiety.Enjoy the journey 2) I will never get to all the things I have to do. 4) I hate having to do or say something more than once. How do I differentiate the two? A sense of urgency is a good and powerful 197 . 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. I’m going to move on to something else. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. But I am careful to differentiate urgency. jobs and friendships. Gradual change and growth give you the greatest chances for success. the results just won’t last long. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say. This can further result in losing important things like business relationships. There are many negative consequences on health. I have to be honest with you: I happen to be a very impatient person. which can be very destructive. unhappiness and sometimes even anger. When you stress yourself to create results too quickly. relationships and personal growth when you lack patience. 5) If something doesn’t work immediately. 6) I just don’t know where to start . from impatience.this task has two many steps. without which you are going to suffer. When you force efforts.
Based on where I was in the process and the faith that I had in my contacts in Mexico. I can’t control those timeframes. For example when I take on tasks that are really time consuming (this book for example). If I’m not careful this can create impatience in me. This is a struggle for me as it might be for you. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. And this is probably true for you too. 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. But when urgency is applied to things I can’t change. I told 198 . There is no way a sense of urgency can create the satisfaction of writing a best seller (let’s hope this will be) instantly because of the timeframes involved in the task. and don’t let the things I can’t control stress me out. I have an unrealistic expectation of speed. I need to clear it from my mind. It’s a quality that helps me act quickly and get an enormous amount done. How do you and I remain urgent without dying from impatience and anxiety? The big lesson I’ve learned is to focus on controlling what I can control. If I can’t change or alter a situation. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. urgency turns damaging and can lead to senseless and sometimes destructive impatience.Lifemoney tool. Mexico. I’d brought on an investor to put up the money for the deal. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards.
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. There was so much I had no control over. $1. I noticed that they had changed all of the terms of the deal. It took all the Lifemoney lessons I talk about in this book to get me through this situation. and then I left the meeting. a partner who trusted me enough to put up that $1. and patience was number one.6 million already invested in the equipment needed for this project. I flew down to Mexico for my big meeting and to sign paperwork. So there I stood in Mexico.000 that was needed to get this project going. I immediately extended my trip from 2 days to a full week. regroup and come up with a game plan. Based on the trust that I had built with the investor on past dealings. 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.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. 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.600. he decided to partner with me and put up the $1.6 million dollars. Outraged by what transpired. I picked up my things and told the company I was meeting with that I would look over their new terms. I wanted this deal done. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. 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.
If your goals don’t seem to be on track. • Stay busy. I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. 200 . I would have never completed this deal that wound up being a very successful project for me. • Reward yourself for completing something difficult. 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. Do something fun and celebrate your incremental success.Lifemoney had met with. 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. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. I wound up getting an even better deal than I would have initially. If I did not have the patience to stick this out. reevaluate your objectives and make your goals more realistic for your needs. Focus on the results and not the task. If you understand that success is a journey you will begin to enjoy each moment and will realize that being impatient is counterproductive and takes away from the joy of life. Why? Because I was patient and focused on controlling what I could control. Look at the things you have accomplished to date.
you will wake up and have missed out on what life really has to offer. I open the window or take a walk outside and enjoy it. I’ll realize today is beautiful and I should appreciate my health. Chances are you will look 201 . Don’t take time for granted and let your life pass you by. before you know it. 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. We need to count our blessings and enjoy what we do have and make the most of every 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.Enjoy the journey Enjoy the Journey The purpose of life is not to work hard for 40 years and be miserable so that you can retire at age 65 and enjoy the last years of your life. Think of all the fun and excitement you will miss if you don’t savor every moment. You need to start enjoying a little everyday. If you do. When I am having a bad day. For example. The 5 Year Test Another very effective technique I use is the 5 Year Test. 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. You need to live today like it was your last day and plan for tomorrow as if you were living forever. Here’s a very personal technique I rely on to help me enjoy the daily journey. will I even remember it? How will it affect my life? Try it! Either take a problem that you are going through now or remember one from 5 years ago and see what came of it. I find something to make me realize that it’s not as bad as I think it is. In 5 years looking back at the issue.
Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. so we need to make the most out of our time. a joke. or listening to good music should be enough to keep us going and to get us over daily disappointments. Time moves faster than we all want to believe. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. Getting fired from a job? That may be a blessing in disguise.” Do you remember your first break up? No matter how sad you were at the time. A death in the family is terrible and needs grieving. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. it probably has no bearing on your life now at all. Now. they seem unimportant. You will remember that in 5 years. A good meal. spending time with friends or family. list 2 problems that you are presently facing and put them through the 5 year test. 202 . In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. Don’t let one day pass you by without appreciating something that you may never have or see again. List 2 problems that you have had in the past. that when you look back on.
." he is asked. "That’s it. unnoticed things we do all the time. friends over for lunch. "It was so simple. After all these months. lying there. author Mitch Albom visited a former professor.175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals. unable to move a leg or a foot . I figured he’d fly to Italy or have lunch with the President or romp on the seashore or try every exotic thing he could think of. dancing.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea. going out to a restaurant for supper. Morrie.how could he find perfection in such an average day?" Then I realized this was the whole point" (p. In a chapter entitled We Talk About The Perfect Day. Albom asked Morrie a question: "What if you had one day perfectly healthy . at the end of the day what is truly important may be the simple. 203 .Enjoy the journey In the best-selling book. a walk in the midst of nature. Tuesdays With Morrie.. Don’t overlook the obvious in your quest for the brilliant. talking with people." Morrie replies. a swim. And going home and having a wonderful sleep. So average. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. "That’s it. I was actually a little disappointed.
Think about a handicapped person who was born with a disability yet despite their struggles are making three times more money than you are because they are working smarter and harder. It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated. 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. I think people are 204 . The people who succeed find reasons why they can do something. Don’t make excuses find solutions and make it happen. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. Think about the person who is working outside in the heat. better yet. it won’t feel like work.” -Brad Turk Appreciate what you have and don’t complain and make excuses.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else. In other words. Some people complain about going to work when they work in beautiful air conditioned offices. I know successful people who are making it big in things they don’t care about. In the process appreciate what you have and enjoy it. there is always someone with less doing more than you. But I do agree that passion helps. the people who fail find excuses for why they can’t.
be stimulated and enjoy life…. writing one manuscript after another and firing them off to the publishers in hopes of being accepted. 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. My suggestion is that if you have a good job for which you don’t feel a lot of passion. Then one day he 205 . Sometimes the ends do justify the means. 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. If you can’t stand doing what you’re doing. You can do that. see your job as your vehicle to get you someplace else. He hardly noticed the leaves turning colors outside his small window. he locked himself into his attic office and plugged away.and create some financial success that can free you. Day after day. then look hard to find something you’re passionate about and consider a career change now.” At least that’s the way I am. There is a story about a young man who wanted to become a famous writer. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. Try to create an external world outside of your business that enables you to have fun. But whatever you do. But what if your job is the last thing you feel passion for? What if you are one of those people who has to put up with an aggravating boss. 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. In fact.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job.
now middle-aged. in checking the mail. Goal Achievement Exercise Z Take out your Workbook. the object is to make your life enjoyable. Again.Lifemoney waited for his small daughter to bring up the mail. the man went downstairs and was amazed by the quiet that filled his whole house. and have moved out. It could be a ten minute break to get a cup of coffee and stretch or it could even be a week off to take your mind off things and have some fun..” Ironically. The moral of this story is that success by any means doesn’t always “mean” success. 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. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. Walking through one room after another.m. Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. But it had cost him far more than he had ever imagined. Better luck with your novel. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. they were all empty of his family and furniture. the man. If you are stiff and focused on a goal and have such blinders on 206 . As he got angry when she did not bring the mail at exactly 2 p. found a publisher’s letter saying that his book would be published. Renew your energy. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to. Don’t stop yourself from relaxing and recouping.
and sometimes the answers you generate for yourself are wrong. As life is moving by at warp speed we ask ourselves over and over again: How can I have the best life possible? It’s not an easy question to answer. and how to really enjoy the ride. If you’ve figured out what you’ll miss the most when you leave. you’ve gone a long way to deciding where to spend your free time. My motto is work hard. This much I know: success without enjoying your journey through your days is pretty worthless. play hard. because when you’re finally done and outta here. There’s plenty of time to be dead. you are missing out. Patience and Enjoying the Journey Summary Life is funny. Take the time to smell the roses. I want my rewards as I go along. It goes by both very fast and very slow. the small everyday things are the things you’re going to miss the most. Lifemoney Currency “Enjoy life.” -Anonymous 207 . You need to have a balance. I don’t want to miss out on life to get my reward someday in the future.Enjoy the journey that you are letting life pass you by.
I will take a break from time to time to rejuvenate and enjoy my life. _____ 4. _____ 10. I will break goals into pieces and patiently work on one piece at a time. Lifemoney Currency “Live today like it was your last day. I will find something positive out of everyday. _____ 3.” -Brad Turk 208 . _____ 5. 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. _____ 9. and then tally your score. _____ 8. and plan for tomorrow as if you were living forever. I will not take for granted what I already have. _____ 2. _____ 1. I believe my day to day efforts will have an effect in the long run. I will not wait until it is too late to enjoy my life. I will take time to stop and smell the roses. _____ 7. _____ 6. giving yourself 10 points for each checkmark and 0 points for any left blank. I will practice the 5 Year Test I will not stress over things I can’t control.
101 Affirmations 209 .
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