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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....
......................................................................com ......................................................................................................................27 Find the “U” in “SUCCESS” ........................................19 Self Made Records......................................................................................................................................................44 What Are Your Limitations?......38 Sometimes It’s Better to Strike Out ............................. Too!.......................................................................................................................33 You Are in Control......37 Lifemoney Lesson # 2: Knowing Yourself .....................................................................................................................................................................Find More....................................47 Get Rid of It! .............................................................................................................................................................................18 Heat Wave Tanning......................................15 This Was Only the Beginning ........ .................................................................................................................................................................................................................................................................53 Can You Dunk?....................... .........................................................................................................9 Looking for Motivation .........................................................................................................................................................6 If I can do it… ..........50 Goal Achievement Exercise E ...........32 Win Life’s Lotto (Real Wealth is Measured by Achievement.........................................................................................................................10 Knowing Myself...........................................36 Millionaire’s Checklist: .................................46 Goal Achievement Exercise D......................56 v .................................................................................................................................................................8 Persistence Pays Off ....................39 Who are you? .................................... Anyway? ...........................................24 Overview.......................................................................41 Goal Achievement Exercise B ........................................................ Retired by 35: What Lifemoney Means to Me.......................39 Don’t Be a Stranger (To Yourself)..........................................................48 Buy Stock in Yourself ............................................................................................ Inc......................................................... Not Cash) .....................21 …You Can Do It....................42 Goal Achievement Exercise C .........................................................................................................................................31 Goal Achievement Exercise A.............................................................52 A Fish Story .........................................................................11 Learning About Business..... 6 Overview.................................................................................................................................24 Want to Succeed? Sleep Late!..................................... 1 My Lifemoney ................. Inc.........................................................................................................................................13 Getting Focused..............................................6 My Early Years ...................... Inc............................................................................................................................................................................................................. / MyMusicSite....................................................38 Overview...................................23 Lifemoney Lesson # 1: Defining Success........17 Global Business Solutions........24 Success on Your Terms ..........................28 WHOSE Dream Is It.....51 Make Less .....................................................................................................Table of Contents Introduction: Millionaire by 30......................................................34 Defining Success Summary ...................................................................................................................................................................
.............................................84 Tool #2: Time Management ......70 Goal: To pilot my own airplane .....................92 Tool #5: Do or Die Trying Commitment....79 Lifemoney Lesson # 4: Gathering the Tools for Success...............................................................................116 Overview.............81 A Successful Person’s Tool Belt ................................................................................. 107 O............................................................................................................65 Write It Down ...........................................................................................................................................57 Millionaire’s Checklist: ...........................................................................................................................59 A Quick Review ............................................................................................................................................................................................................................71 Three Huge Obstacles.................................................................................................................................................................................................................................................................................................K…...............................................................59 Overview.................64 Goal Achievement Exercise H..........................................................66 Goal Achievement Exercise I .................................................................................................................................................................98 Millionaire’s Checklist: ....................59 Step Up ...............................95 Gathering the Tools for Success Summary...........................................67 Nothing Can Stop Me Now…................................................... 118 vi ........................................................................................................................................................................................................81 Tool #1: Focus .................................................................................................................................................... 116 Can’t Get a Job? Buy the Company! ................................................................................................................................................................................ 105 Maintaining Your Course ...............................................................61 Goal Achievement Exercise F ....................................................................................................................................................................................................................................................................................... 115 Lifemoney Lesson # 6: Resourcefulness......................... 111 Evaluating Your Progress Summary ..............................................................................................................61 Establishing Action Steps ......................................................................................................................................................................................81 Overview..... 114 Millionaire’s Checklist: .......................................................................................................Knowing Yourself Summary ........................................................................... 101 Don’t forget the map! ..................................... 110 Goal Achievement Exercise N.................................... 116 MacGyver It!................................................................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles......................................................................................................................................85 Tool #3: Efficiency ...............................................................................79 Millionaire’s Checklist: .............................101 Overview......72 Goal-Setting and Overcoming Obstacles Summary.........................................................................................................63 Goal Achievement Exercise G.............................................................................................................. 100 Lifemoney Lesson # 5: Evaluating Your Progress ................................................ 103 Goal Achievement Exercise M ............................................................................................................................89 Tool #4: Priorities.................60 Start by Writing a Goal..............................What If You’re Way Off Track?...................................................83 Goal Achievement Exercise K...................... 101 Progress Report .........................................................................69 Goal Achievement Exercise J .................................88 Goal Achievement Exercise L .........................63 Timelines .............
... 195 vii ....................................................................................................................................... 164 Millionaire’s Checklist: .......................................................................... 149 Goal Achievement Exercise S ................................ Go into Debt and Max Out Your Credit Cards ................................................................. 181 Lifemoney Lesson # 10: Sacrifice ................ 133 Goal Achievement Exercise Q............................... 133 A Lesson From Trump .............................................................................................. 127 Find An Expert ....................................................................... 132 Lifemoney Lesson # 7: Creativity ...................................... 183 Sacrificing for Success ..........Best Case..................................................... See It................................................................................ 135 Goal Achievement Exercise R ........ 182 Borrow............................................................................................................ 169 Goal Achievement Exercise T .............. 170 Don’t Complain ...... 167 Change the Mental Channel..................................................................................................................................................................................................................Keep Looking .......................................................Fix It .............................. 184 Goal Achievement Exercise W ..........182 Overview.................................................................................................................................................................................................................................................................................................................133 Overview............................................................................................................................................... 152 12 Steps for Power with People Summary ..................................................................................................................................... 177 Goal Achievement Exercise V....... 178 Positively Thinking Summary .............................166 Overview.......................................................................149 Overview....... 176 Create a Repeatable Success Thought .................................. 125 Goal Achievement Exercise O.... 166 The Multi-Millionaire Blues ............. 149 Sharpen Your People Skills .......................................................................................................................................................................................................................................................................................... 174 Worst Case ....................................................................................................... 151 Turk’s 12-Step Plan for Bridge Building......................................................................... 175 Eliminate Negative Self-Talk............................................................................................................................................................................You’ll Find It ........................................................... 175 Keep It Moving ........................................................................................................................................................................................................................................................................................................ 179 Millionaire’s Checklist: ........................................ 147 Lifemoney Lesson # 8: 12 Steps for Power with People..... 185 Goal Achievement Exercise X.......................................................................... Do It! ................................................................... 165 Lifemoney Lesson # 9: Positively Thinking ............................. 122 There’s No Need To Grow Up..................................................................................................................................................... 131 Millionaire’s Checklist: ......................................................................................................................................... 128 Goal Achievement Exercise P ..... 135 Dream It........... 137 Five Creativity Factors ...................................................................................................................................................................................................................... 166 Where’s Your Head At? ......... 189 Sacrifice Summary ................................. 194 Millionaire’s Checklist: .. 173 The Key to Success? Live Out Of Your Car...................................................................................................... 130 Resourcefulness Summary................................................................ 171 Goal Achievement Exercise U.............................................................. 137 Millionaire’s Checklist: ......
.......... 207 Millionaire’s Checklist: ...................................................................................................................................................................... 202 GOAL (Go Out And Live)............196 Overview................................................ 202 Seek Happiness in Simplicity ......................................................................... 196 Mañana ................................................................................................................................................................................................................. 206 Patience and Enjoying the Journey Summary...................................................................................... 201 Goal Achievement Exercise Y........................... 204 Goal Achievement Exercise Z .................. 196 Doing Time ........................................................................................... 208 viii .................................................................................................................................................................... 200 Enjoy the Journey...................................................................................................................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey ........................... 201 The 5 Year Test .. 198 So what should you do to be more patient? .................................................................
1 . not money. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first. 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. it’s at what income. new entrepreneurs perfectly – but can be adopted at any age.” -George Foreman Life comes first. Lifemoney will show you what you really need to live the life you want.Introduction: Millionaire by 30. Lifemoney will help you understand what success really means and teach you how to attain it. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how.
400. Part self-help. It could be $240 a week or $240. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . be it a million dollars. If it’s career happiness you’re looking for. In this book. part financial management. it’s the dollar figure you define. it’s not the job that I feel is prestigious that matters. 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. For example. if it’s money that you’re after.000 a year or $2. a new home.000 in quarterly bonuses. 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. it’s the job that makes you happy on a daily basis or brings you closer to your goals. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. it’s not the dollar figure I define as Lifemoney that’s important. a new job or just a raise or promotion in your current job.One of the most unique features of Lifemoney is that it’s entirely personal. Would you use your shoe? Would it work? Possibly. Imagine having the task of hammering a nail. part how-to. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. 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.
etc. along with real-life examples you can use to plot your course for success. My definition of success is simple: Accomplishing what you set out to do. So who is Brad Turk and why am I qualified to write a book about life or money.). This book will show you what those characteristics are. I am living the life that I want to live. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. some executives. let alone both? I was a millionaire before the age of 30 and retired soon after. Instead of concentrating solely on the financial aspects of making your first million.My Lifemoney WANT. 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. The exercises in the book 3 . Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . I have distilled those attributes. there are common qualities. If you learn these lessons – and actually follow them – you can and will succeed. Through my interactions with many successful and famous people (some recording artists. 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. Whether you are looking to be the next pop star or the perfect housewife. It offers a set of tools. used them for my own personal success.most of whom happen to be multimillionaires. I have been fortunate enough to learn that most successful people share a lot of the same attributes. Lifemoney will give you a blueprint for success in all facets of life. and want to share them with you. not just financial.
The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. In this book. as a result be able to adopt them to fit your needs to reach your goals and attain the success you’ve always been looking for. prioritize and manage time Learning the value of determination and commitment in attaining goals • • • • • • Learning how to evaluate progress and welcome criticism Learning how to be resourceful when overcoming obstacles Learning how to deal with people effectively Learning how to use creativity to get more out of life Using the power of positive thinking Learning to sacrifice some of what you have to get more of what you want • Being patient and enjoying the journey Lifemoney is designed to walk you through each of these attributes. While reading Lifemoney you will become familiar with these attributes.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. 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. 4 . see what works for you and.
Clearly. The higher your score – the higher your Lifemoney skill level. What’s the answer? Lifemoney.bradturk. Everyone needs some kind of stimulation and/or support to keep their spirits alive. 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. I have created a list (that I use) of affirmations that you can also download for FREE at www. Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement. 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. Both the Millionaire’s Checklist (Code: BAyyRJ) and the A-Z Achievement Full Exercise Workbook (Code: m3sUMQ) are available for FREE download on my website at www.com (Code: naNtZB). Repeat these affirmations to yourself when you need a quick boost. This checklist will help you quickly see if you are developing the skills that were discussed in that lesson.com. 5 .My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. there is more to life than money but you just can’t live in this world without money. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success.bradturk. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it. list and track your progress. These proven tools are specifically designed to help you plot.
If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. I achieved personal and financial success through various ventures in the telecommunications industry. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself. I’ve found the American dream and retired early. rich and retired.Lifemoney My Lifemoney “It’s never too early…to make your first million. actor. Through experiences as diverse as being a break dancer. business owner and entrepreneur. Over the course of my very short professional life I’ve achieved the American dream: I’m young.” -Brad Turk Overview I want to take just a few pages to introduce myself. entertainment field and having a 6 . salesman.
It’s not that hard really. and if you’re willing to be my student for just a short time I can show you how. 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. boat and everything you’ll need for a life of accomplishment and success. These lessons can be learned by anyone. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. whether it was through direct interaction with a mentor or learning from other sources. I have used the attributes I describe for you in this book over and over again in many different businesses – all with the same successful results. I did not strike it rich in the dot.com arena or hit the lottery. Diddy and even myself have been “taught how to fish” at some point in their lives. teach them how to fish and they eat for the rest of their lives. adapting the rules of success to your personal situation. You’ll never need to go hungry again. Give someone a fish and they eat for a day.My Lifemoney retail tanning salon. Instead. That’s what Lifemoney is all about. Consider these lessons to be the fishing rod. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. Not all of these successes share the exact same 7 . All the successful people I discuss throughout this book including Warren Buffett. 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. Think of the old story about giving someone a fish or teaching them how to fish. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success.
new neighbors. New York. and she was a tremendous teacher. though. new friends and. By the time I was in fifth grade. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. 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 mom and I had moved to Forest Hills. 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.Lifemoney attributes. but they usually have a lot of similarities. and no money. New York. When I got to junior high. That’s where I first learned about work ethic. My Early Years I began life in the Pomonok public housing projects in Flushing. She kept right on plugging away with her 3 jobs. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. 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. There were new surroundings. (Oh. You can always come back to me later). I won’t be insulted. and by the way. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . rapping and acting. I got heavily into break dancing. Mom didn’t let it stop her. It was a much nicer neighborhood. 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. I learned these lessons by reading books of successful people and from my peers. In addition. new opportunities. best of all.
To follow my dream I had to overcome several obstacles. and thinking outside the box. For starters. which listed talent agents. not succumb to them. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. a huge child actor of the time 9 . I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. Finding an agent to represent my efforts was. Frustrated by the lack of response. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. But the first rule of success I learned was to work around your obstacles. as you can imagine. Most emphasized the boldface message “not to be called or visited. The first agency I visited was Schuller Talent. Actually. Since my working mom didn’t get home until late I would go alone by train. Persistence Pays Off To make it in the acting field you need an agent. I followed directions exactly and sent my headshot along with a resume to one hundred agents. and I began going into the city (New York) for auditions to try breaking into the business.My Lifemoney industry. the only way to contact agents was to send query letters with photos and resumes. not easy. dealing with people. a renowned child talent group. This is when I first began to learn about the value of persistence. I’ve always been a hustler. as well as how to contact them. I decided not to sit around and wait for something to happen.” The do-not-call rule was strongly enforced. In fact. I sent the package out to the same agents two times but didn’t get one response either time. I bought a reference book called The Ross Report. They represented such actors as Emanuel (Webster) Luis.
I returned the following week. I often skipped classes. auditioned. and found the success I was seeking. From the corner of my eye I noticed a woman standing in the doorway. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. I continued my conversation with the secretary. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. I might not be where I am today. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. I set out to get answers to my questions. Not surprisingly. She followed me out and introduced herself as “Davina. the child actor from television’s Who’s the Boss? Walking through the agency’s door I met a pleasant secretary and introduced myself.” the agent in charge of the group that I wanted to join. going out near the door where the other woman had been listening. I barely 10 . I told her I just wanted to make sure it got into the correct person’s hands. Hanging out with my friends and social activities seemed more important. who was extremely nice and reassured me she would get my packet into the right hands. But taking the initiative. As a result. I turned to leave. and when I did show up I didn’t pay much attention. I didn’t do very well in high school. Had I continued to wait for calls that never came. and signed with Schuller for representation.Lifemoney and Danny Pintauro. 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 thought that she was listening to what was going on. After thanking the secretary. Looking for Motivation Unfortunately.
Knowing Myself In time I would become a very successful entrepreneur. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. they didn’t want to pay for it. the odds are severely stacked against huge financial success. My father had resurfaced in my life to pay for college. The only thing to be decided was how I would get where I wanted to go. But he and my mother told me that they would only support me if I did well the first semester. I realized that my next job was staying in. I decided I didn’t want to end up stuck with no way out. I was looking to make a lot of money and enjoy nice things. And. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go.88 grade point that term. 11 .My Lifemoney made it through. I learned early on that being a struggling actor was not for me. Although you can make a good income from acting. It was a great lesson: Not all of success is flashy and easy. using my acting resume. If I was going to “screw up” like I did in high school. I earned a 3. I got accepted. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. they explained. I had a hard time getting into college. I applied for a double major in business and theater and. 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. Through hard work.92. The following semester I got a 3. and was eventually inducted into the Phi Eta Sigma national honor society. I changed my habits and learned how to be a student. After getting in. With this pressure from my parents. For these reasons.
I wanted more of a sure thing than acting. But. Looking back. When he only ordered soup. as with acting. I knew myself and knew movie stardom wasn’t the right route at that time. 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. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. As with my junior high acting days. When it came to making money. That could have happened for me but I knew in my heart it wasn’t MY reality. I asked him if he was going to order anything else. the music industry does not often accept unsolicited 12 . But his limited income made it clear to me that this was something I did not want to do.” I bought his lunch that day. a struggling actor. for lunch one day. So I took a different route and it has paid off for me. For him. But before I fully ventured into business. He answered. Today he’s a successful actor who can go anywhere and order anything he wants. It was a real education. I could see the moment in that restaurant as a turning point.Lifemoney I remember meeting a good friend of mine. I still had some entertaining left in my system. “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. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. I spent the last years of high school and beginning years of college working toward that goal. I sent out many demos to try and get people interested. the sacrifice has paid off.
In fact. even when you’re going against the grain. let alone were successful at it.7 Kiss FM in New York. even for free. In 1991. I kept working toward my goal of becoming a rap artist and trying to learn the business. In this world you have to take opportunity where it comes if it will help you achieve your goals. co-sponsored by 98.My Lifemoney material. Learning About Business In addition to finding some measure of success in the entertainment side of music. A key lesson I learned was that if you want to understand an industry. This is exactly how you build Lifemoney. a lawsuit can result. I also tried to learn the business side of the industry. 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. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. Although no longer in existence they were one of the premiere labels at the time. I was chosen as a semi-finalist out of 500 entrants. If the artist believes a later recording is similar to his or her music. Although I didn’t win the contest. This was pre-Eminem and not too many white people even listened to rap. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. I sent in my tape. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. It was validation that hard work could pay off. I knew 13 . I got a job as an intern (for no pay) working for PolyGram Records. I recognized the value of this attribute and stored it away for later. My goal was to get noticed and possibly get someone interested in working with me. I entered the Pepsi Rap Up the Summer Contest.
learn it from the ground up. It worked. For example my rap name was “Sneak. If you want to learn a business. The access I got taught me lessons I could have never learned anywhere else. You might find it’s not what you expected it to be. And always be resourceful. It was one of my earliest stabs at being resourceful. picked me up and got me signed to BMG for distribution. If you want to work in politics. For example. a recording label. But it’s all valuable. mixers. There are more important things than money in this world. It paid off. I figured if I sent a package. if you want to someday own a bar you should work at a few for a while to learn the business.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . agents and managers. BMG. no one was listening to my demos and I knew to get to the powers that be I would have to get through to someone. The following year I released “That’s Evil Man” on ZOO Entertainment. my targets would be curious enough to open it rather than throwing it away. feel free to import ideas from wherever you can find them. Basement Records. and access is one of them. It’s important to understand what you are getting into before you are knee deep. both the stars .the talent .” along with my demo tape. “I just want to get my foot in the door. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. volunteer for a campaign or move to DC.” I once sent a sneaker in a box to a record label with the note. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. Door after door was being closed to me.and the men and women behind the talent the producers.
I was finally seeing a dream come true. which I did. It was an exciting time.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. While I enjoyed working in the music industry. for more reasons than just getting airplay.” Next Plateau. It didn’t stop there. 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. Eventually it went to number 27. I needed the sense of security that comes with a regular income and the knowledge that I would be able to pay the bills and live a comfortable lifestyle. It is a difficult business to really make money. In 1994. But like 15 . Money provides those things. That’s a hard truth to see from the outside. but in reality there are very few people that make it big – and make the big money. PolyGram Records. 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. full of rich stars and power players. actualizing my goals and watching them come to life. But the truth is making money is hit or miss and is more often just smoke and mirrors. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences. I was concerned that I might not make the money I was looking to make – and I thought I might be able to make it easier somewhere else. The music business seems glamorous. 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. You see – I already understood that making money was a priority for me – an important goal.
I did not find that product to be a perfect fit for me or my personality. Not to sound conceited. so I pursued this opportunity. the branch focused on selling long-term care and retirement planning. I did not have a wife or family. For one thing. I took over a job for a friend as an office manager for a life insurance company. I went so far as to get licensed to sell life insurance. and could not fully understand or relate to getting life insurance for protection for other family members. I saw that real estate was more suited to my personal goals at the time. 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 understood the insurance office management job completely. I decided to make business decisions that would bring me closer to where I wanted to be.Lifemoney most young people I didn’t understand what was going on. And guess what? I started making more money working part-time than at my day job. After leaving college. The branch owner wanted to train me to sell life insurance. 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 figured if I spent more time on my part-time real estate job. Unfortunately. Also. Becoming successful. I decided to 16 . My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. I decided to take my hustling a step further. I could make even more money. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. In addition. I was interested in sales. but it was apparent that I was a tremendous asset. How did I do that? I started selling real estate at night.
instead of just quitting I told him I could do the work in one day that I had been doing in three. and I went from initially working five days a week to just one day per week. When I went to my boss to resign. the one you’re probably most interested in. You never know what people are willing to do – or what you can accomplish – until you try. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly. This would permit me to have two more days to sell real estate.” It was a risk to leave the security of a full-time job. For example. at the same pay. I began to learn about the importance of defining success for myself. I was putting those early Lifemoney skills into play and getting the same amount of work done in three days as I had done before in five. my gamble worked! Eventually. I also promised him that the quality of the work would not change. Best of all. and I made a deal with my boss to move to a three-day-per-week schedule 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. I made sure I did everything efficiently and wasted no time at all. making my own way and even started knowing myself and where my real talents and desires 17 . and there was a lot more to learn. I was doing well enough and was confident enough in real estate to do it full-time and get rid of my “day job.My Lifemoney leverage all that. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life. You never know if someone will say yes or no to a question until you ask the question. He reluctantly agreed on a test basis. I guess the company trusted me enough to give it a shot. But my education was just beginning.
sacrifice and patience. Especially patience! It was a lot for a young person like me to absorb. I was already bringing in a six-figure salary and at the end of my third year there I earned $387. 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. 18 . Global Business Solutions. I used them to create many business successes. but the skills that were created in me were worth more than cash. Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. Inc. I was not an overnight success story. dealing with people – especially difficult people. It was basically a mini-version of one of the larger telecom corporations. and I didn’t hit it big with the lottery. By my second year. they bought it from someone else and still sold it as theirs. evaluating my progress.086. I’d learned that when the big companies couldn’t supply a product.Lifemoney were. Rather using the attributes I list for you in this book I became successful in project after project and business after business.07. But I still had to learn about setting goals. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money. I became one of the top salespeople in the nation. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). At MCI. resourcefulness and creativity. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. like actual cash. 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.
I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. remain loyal and protect them as much as possible. If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. Inc. 19 . Heat Wave Tanning.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. and seeing niches before everyone else. lower to the ground and closer to the customer’s ear. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. the customers would want you to do everything for them. Sometimes you go searching for new opportunities and other times opportunities find you. I eventually contracted with many providers. allowing me to sell anything the big boys sold – and better – because I was smaller. I let the customers guide my business. When you’re always on the lookout for something new. One of these areas was in the pre-paid calling card business. it’s harder to tell which came first. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. you or the opportunity. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. I saw what the needs were and I fulfilled them. and to always be so reliable that I would always be the “go to” guy in the future. I understood that customers loved a one-stop shop.
Change is good. made my money and then I sold it. After more research (and imagining that operating that type of business would be fun). and might one day do again. Better yet the business seemed as if it could run itself. The tanning business was a big change for me.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. But I felt I was ready for that. The tanning business though was more hands-on. and Heat Wave Tanning was really a great business and a great opportunity in my life. and prepares us for the future. That is true. A telecom business like GBS was more “virtual” than brick and mortar. grows us. 20 . It was exciting. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. I decided to open my own tanning salon. I told myself: it stretches us. building the place from scratch. Besides. I researched the business and found out that it was a very low maintenance business and pretty profitable. maintaining equipment. It turns out that people just were going in there to catch a tan. and I decided that I didn’t want that kind of responsibility. and managing customer issues just didn’t do it for me. It is definitely a great business that I would highly recommend. managing ten employees. So I kept the business for two years. This was a different venture from my previous forays in the world of small business. But I was discovering that retail businesses require a lot of time and attention. I could manage most of it via remote control. which was a huge plus for me. I saw a line outside of the place and was wondering what they were giving away. It was like having a puppy at home: you never felt comfortable being far away for very long.
Self Made Records. And I love it! Why? Because I’m sailing my own ship with no boss. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment.com are both my hobby and business. 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.com. I signed some artists to my label and I am currently marketing and promoting them. and My Music Site. / MyMusicSite.com Sometimes success comes full circle. no limits and 21 . Inc. although I brag about being retired. For Self Made Records. Now I was a successful entrepreneur. set to launch in the fourth quarter. That makes me happier than I can possibly describe to you. with little to no risk and helping others all at the same time. Later I was a college graduate looking to intern for a major hip-hop record label. looking to blend business with pleasure. I am doing what I love. I am now in the process of coding and developing mymusicsite. I will make independent artist’s music easily available to their fans. But I can afford to do this because I love it. I am sometimes surprised by all that I have accomplished in such a short time. 2007.My Lifemoney Self Made Records. And what’s best is that I can afford to be patient. Inc. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. I have been launching companies left and right. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. but on my terms. friends and family while providing a marketing platform for them to make their dreams come true. It was a lot of work but it has been gratifying beyond words. In 2007. in reality I’m busier than ever. Inc.
I am also providing a marketing platform for these artists who want to make their dreams come true. We will make independent artist’s music easily available to their fans.com). In addition to being its creator.mymusicsite. These services will be available to groups as well as individuals that need a place to work between meetings or just to kill some time. I will 22 .com (www. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating.meetingexpresso. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee. Lastly. specialty beverages.com) and is a retail conference location /coffee shop.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. friends and family. In addition. break dancing on street corners and hustling for business opportunities. In addition to that business. The business is called Meeting ExpressO (www. phone. I am also in development on another site called MyMusicSite. 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).tellbrad. Meeting ExpressO will provide full access to conference rooms which include internet. I just launched TellBrad. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. satellite television. I will be selling and promoting online music downloads and cell phone ringtones for independent artists.com (www. and snack items.
go by some oranges! (Orange juice outsells lemonade by 10 to 1.)” -Brad Turk You can do it too! 23 . Lifemoney provides you with the tools you’ll need to reach your own unique potential. invest your profits and. I’ll tell you how you can do it too! While my story is different from yours and from that of other people. adapt the principles described in each of the upcoming lessons. when they mature. I will show you how to understand and learn a unique set of attributes you need to become successful. Too! I began this lesson by declaring “If I can do it…” without finishing the statement.My Lifemoney also receive co executive credit and be involved with development of the project. And go for it! No excuses. Keep score of your successes and failures. Stayed tuned and look for my name in the credits! …You Can Do It. Instead of sitting around thinking about what you want. Work on the activities. sell it on the corner. Now. I have found the common denominator for success. That’s why I’ve written this book. Lifemoney Currency “When life hands you lemons… make lemonade. Learn who you are and what you want.
pure and simple. Still. some might consider him rich 24 . These are the stories of two friends of mine – John and Steve . Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. has never cracked the seven figure mark and.and though totally different from one another they illustrate what I mean by defining your own success. In this lesson I want to show you the importance of deciding for yourself what success means to you. 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. as far as I know. is in no danger of cracking it anytime soon. John. Success is never a game of chance and begins with clearly deciding what you are going to make happen. My first friend.
All of my other friends make fun of him. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. He told me that every night that he goes to bed. he has a big smile on his face. Then one day we were talking and John really opened my mind to something.Defining Success beyond compare because he knows himself and. I have to confess that I kind of agreed with them. he helped them out a lot and felt that his support was needed around the house. John told me that he was really happy with his life. You can’t . I have another friend. He did it his way. he just took it as a joke. He has a beautiful boat. To me. who is over 30 years old. has no ambition and is going nowhere. While talking about the future. Most days he didn’t have to go into work early and he got to sleep late. he found his own success and it works for him. They think that he is not responsible. He is truly happy with how his life turned out. John’s parents also enjoyed him being there. It didn’t bother him what everyone was saying about him. who on the surface would probably look extremely successful to outsiders looking in.and shouldn’t . just as important. He made enough money to live on his own if he wanted to. John.push your idea of success on anyone. he is successful. From a professional perspective. 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. knows what success means to him. He told me he was still living with his parents because he liked living with them. He needs nothing else to fulfill his dreams. he also said he was happy with his job. Steve. lives with his parents. several sports cars and a very 25 .
He is always stressed and always in fear of losing something. Does this sound like success to you? It might. He is actually so far in debt that he does not really own anything he has. My definition of success comes from within. 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. These men are both successes. just so he can try to keep up with payments so that he does not default on anything. The truth is that Steve lives way beyond his means. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. Some people thrive in that kind of stressful environment. Steve thrives on the adrenaline of living on the edge. He also has to work harder than anyone I know. This is success for him. 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. you have completed Lifemoney Lesson # 1. He is always making maneuvers to try and maintain his possessions. Why? Because they both hit their mark. he canceled the invite because he was actually selling one of the cars. I remember one weekend he invited me to go to the track with him to “play” with his cars. Have you decided what your mark is? 26 . Before the weekend came. Once you define what you want and know what will make you happy. Most everything is owned by the bank and it seems every time I talk to him.Lifemoney nice house. Being that I know this friend well. he is in a world of hurt. not from without.
What works for some doesn’t work for others and what works for me might not work for you. we are on a journey without a map. There’s simply no future in succeeding for anyone other than you. most people are still on their quest for success.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. They subscribe to magazines they never read. But becoming – and staying – successful can be tricky. Although some people get lucky in attaining success. our definition of success will be individual and unique. Like fingerprints. With the exception of my friend John who I just mentioned. We have no control over our path and our lives can become haphazard. When you define success for yourself. we all want more out of life. It becomes yours. Why do they do this? They bounce around because they’re not prepared to 27 . They start up home improvement projects and don’t finish. most successful people (whether consciously or not) have a system. 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. Success takes personal planning and some work. you own it. No matter your net worth or social standing we want to do more. you’ve taken the first step to taking your life back. If we don’t define success for ourselves. Success means different things to different people. I think this is important because I see so many people who spend their lives wandering. fad to fad not really knowing what they want and drifting with the flow. When you define success and what it really means to YOU. strategy or plan they stick to in order to reach their ultimate goals. trend to trend. For the most part. They go from idea to idea. They buy gym memberships and never use it. get more and be more.
What is it you really want? What. See beyond money and its trappings.Lifemoney take full action. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily. “The first principle of success is desire – knowing what you want.” . for you. They live undefined lives. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. You should live your own life and live up to your own expectations. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. you will be fully able to reap all the benefits that await you. Desire is the planting of your seed. and those are the only things I really care about it.” Plant your own personal seed for success and watch it grow. As Robert Collier. By starting your journey with a firm grasp of your meaning for success. look past that next job promotion or future company you plan to build.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now. 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. author of Riches Within Your Reach: The Law of the Higher Potential once wrote. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 .
He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). She sacrificed many nights of going out with her friends and having fun in order to spend more time studying. He is doing what makes him happy. yacht or even a boat. Let’s take. With all of Buffet’s billions he has always led a simple life. What would make you happy? We all define success differently. She’s successful! 29 . She has spent her whole life making sure her grades were in order to some day get into a good medical school. He does not really have any extravagant items like a fancy race car.” It works for the second richest man in the world. This is a man who could do anything and have anything and is content to sit home and watch a ball game.Defining Success “All I want is to have people around who love me. but successful people have taken the time to really think about their definition of success.500 over 48 years ago. 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 now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams. He has lived in the same house that he purchased for $31. a 22-year-old student who has just received her acceptance letter into the medical school of her choice. for example. billionaire Warren Buffet.
While his finishing time does not win any medals. Sounds like success to me. his self-esteem and confidence increase beyond measure. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. along with nutritional meals and emotional support. Months of preparation and training pay off for this guy’s single-minded determination. While avoiding expenses like costly entertainment or expensive vacations.Lifemoney A 39-year-old business executive runs his first marathon. That man is a happier husband. upon marrying. father. I call that success on their terms. have resulted in two stable children with above-average grades and well-adjusted social skills. Each of these people has achieved success. Then there is the couple that. Although he and his wife share a modest home. And so now I’ll ask you: Are you ready and willing to take a little bit of time and plan to live your life on your terms? 30 . The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. agreed the wife should give up her job when the children came along to provide a stable home life for all. they have been able to stash enough away to enjoy an early retirement and see the world. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. He’s been a total success. Living off just the husband’s income has not been easy. they have not missed out on anything they’ve wanted. and employee – or future CEO – because of this personal accomplishment.
So once you have an understanding of what will truly make you happy. It is how you view your situation that makes all the difference. it is possible to be a successful lawyer without feeling like a successful person. That’s why. what they all really want is personal happiness. you can begin to set goals on the road to success. leave the world a better place. but you don’t really want to. I believe the common denominator in true success is happiness. That’s why it is important to understand your priorities clearly. in Lifemoney Lesson #2. Lifemoney Currency “Do what you love.” .Jeff Mallett 31 . Over time. So let’s figure out how you define success. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. If your parents are pushing you to become a lawyer. 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. As you see in this example. you might become bitter or resentful. While it’s a good idea to talk to your family and others who may be impacted (say. love what you do.Defining Success WHOSE Dream Is It. Even though everyone usually has a different idea of what success means to them. if you’re planning on using the family garage to mass-produce your new video game or DVD) the success of your vision ultimately depends on one person and one person only – YOU. It really isn’t what you have or who you are that makes you happy or unhappy.
but more importantly. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. skills. You can use a three-ring binder. set a timer for five minutes. asking yourself questions like these. and edit if necessary to make them readable and clear. the hallmarks of success—money. so make it handy and easy to access. time. read over your ideas. I am going to ask you to open this document on a regular basis throughout this book. in your opinion.bradturk. open a document on your computer. Once you have this in place. or download a copy of the Workbook with all the exercises from my website – www.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. 32 . Then start writing about your views on success. Explain. etc. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. What themes emerge from the answers to the different questions? Did security come up over and over again or did freedom? Did a need to be your own boss emerge or would you like a little less responsibility in life and not have to be the boss? This activity will help you get a better idea of what you want from life and what you expect of yourself.com.
Having come from a “no money” background.” 33 . William “Bud” Post won $16. I know many people with little or no money.4 million. Her total take was $5. Ask the following people. now lives on Social Security and food stamps: “I wish it never happened. in 1985 and 1986. She lives in a trailer and recounts that.” These beliefs about money are all wrong. Everybody had their hand out. But you just did. too.” Her hand was out. Welcome aboard a new life. Completing this exercise brings up a point I think worth exploring. It was totally a nightmare. Most people just never make the move to define what they want and where they’re going. something of a statistical freak. at gambling venues. “Everybody wanted my money. Says the man who. We all do. won the New Jersey lottery twice. you might find you are still unhappy. • In 1988. I’d be so happy” or “Everything in my life could be fixed with some cash. they’ll tell you: • Evelyn Adams. What does she have to show for it now? Zippo. Not Cash) Congratulations! You’ve taken a huge step. It’s amazing how some people perceive money as the answer to all their problems. “If I only had money.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement.2 million in the Pennsylvania lottery. Money in itself does not equal success. after declaring bankruptcy. If you were handed everything you wanted without working for it.
and the ultimate triumph of accomplishing a mission. Goals are not just about achievement. That’s why Lifemoney is an internal feeling. not a financial figure. she had filed for bankruptcy and had just $700 in the bank. but before a decade had passed. and without effort are not actually participating in the creation of their own personal happiness.you miss the excitement. Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future. it’s that amazing feeling you get after finishing a job well done. She shared her wealth with many charitable organizations. I know you’re probably saying “Yeaaa. There is no amount of money in the world that can recreate that feeling of accomplishment. That is true success – at least by my definition. And accomplishing your dreams – your success on your own is very important.the fruits of someone else’s labors . the challenge.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993. they’re about satisfaction. You Are in Control Success belongs to those who are clear about what it means to them. To enjoy success you need to earn it. And satisfaction is more than being content. Understand that a lot of the enjoyment of meeting your goals is in the feeling of accomplishment and satisfaction that comes with hard work and success. It seems to be a rule of life that if you have good things handed to you . Here are several keys to keep in mind: 34 . that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily.
or it could take decades. When you lay blame or make excuses. You are here – we are here. it resides in you. together – because you made a conscious choice to pick up a book called Lifemoney. Now all you have to do is take another step. And remember that it’s important to enjoy this journey so keep an eye on the finish line. and that might not have been easy. until the value of moving is higher than the cost of those inevitable obstacles. 3. that would be incredible. Chart a course for paradise. and another. 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. Stop looking outside yourself or to others to explain your failures. Others have influence over you and affect you. you willingly give your power away. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness.Defining Success 1. You’ve already taken the first step. sure. waiting for you to come and claim them. Most likely it will be bumpy. Anything worth doing is worth doing well. Success is not a game of chance. even if the voyage looks choppy. but they do not own your ideas or lay claim to your dreams. 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. Publisher’s Clearing House might stop by your house with that big check and. It may take months. 35 . but don’t forget to enjoy the sites along the way. but your dreams are out there. The power to change is your own. Don’t put your trust in success just showing up.
trust me. Lifemoney Lesson #2. on YOUR terms for YOU to be truly happy. 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. If you do it for the money. Let’s go there right now. It will become clearer the more you focus and keep your mind open. your neighbors – forget it. That’s totally normal. Success must happen YOUR way. If you let others define success for you. your old friends from school. so don’t waste it living someone else’s life. you’ll always regret not doing it for yourself. there will always be a nagging feeling that something is missing. Whoever you’re trying to keep up with – the Joneses. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms.” -Steve Jobs 36 . If you do it out of ego or pride or greed. something WILL be missing. All right. success must mean something to you if you are ever to truly achieve it.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.
_____ 5. I will look beyond money to find happiness. I am in control. I hope they enjoy it because you probably won’t.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. _____ 8. The expectations that matter most are mine. _____ 2. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I am seeking my own personal growth and happiness. _____ 4. My life is mine and I’m excited to develop it on my terms. I am winning life’s lottery. Lifemoney Currency “If you live for someone else. I spend time learning what it will take to be successful in what I love. I will always seek to lead my own life. I will decide for myself what occupation excites me.” -Brad Turk 37 . and then tally your score. _____ 6. _____ 3. I will define success for myself. _____ 9. _____ 7. _____ 10.
“Defining Success. great moves. I expect to make great plays. In Lifemoney Lesson # 2. In my mind. 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. but it always starts with YOU.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success.” by exploring who you were to determine who you are and clarify who you want to become.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. you will build on the first lesson of this book. It’s a journey that may veer off in a thousand different directions before finally coming to fruition. 38 .
lawyer. At the end of the day we must look in the mirror and face up to who we really are if we ever hope to become the person we know we can be – the person we want to be. He took a lot of heat for his decision because he was a GOOD pitcher. This is valuable advice for many of us. unemployed worker. Maybe you’re carrying around a little extra baggage as a high school dropout. Who are you? Who are you? That probably depends on who you ask. because he knew he had the ability to be a GREAT batter. a company executive. one of baseball’s legendary home run hitters. right? You might be a wife or husband. banker – merely describe you. you need to know who you are. a son or daughter. 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. 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. a basketball pro. But all of these titles – husband. son. But life success is a self-test. Before you know where you’re going. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. father. How many of us hover around the comfort zone of what we’re good at. He stuck with the decision. or two-time divorcee. not a popularity contest.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. they don’t define you. or a musical genius. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. a computer whiz. 39 . a student. but not without a period of introspection first. someone’s parent.
start here. Maybe he or she is a little older. Or maybe you were hoping to get married. If you are just starting off on your voyage to success and don’t know where to begin. instead of building the future you always wanted and. Then. and hopefully a little wiser. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. 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. day to day. But now. you find that those dreams never materialized. have kids. but ready to gear up for the adventure that lies ahead. and maybe not even worth the effort after all. and live happily ever after. 40 . Instead. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. Life has a way of sidetracking us from our goals to deal with day to day living. when you take a moment to catch your breath and see where you are. looking back.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. more importantly. wherever you’ve been. let me help you rediscover that person again. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. knew you were capable of attaining. you can still find the path to your personal success if you’re willing to look for it. the goals appear too distant to reach anymore. you got sidetracked into making a living and getting by. Whoever you are. whatever you’ve done.
The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. If you don’t know what will make you happy. but he was slowly driving himself insane. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. restructured his organization. or someone else was going to wind up dead!) He drove straight to his accountant’s office. and over the next year phased out four of his five clinics. Why? Because he was finally keeping up with himself. My priorities aren’t amending. What is success if you don’t know who you are inside. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. they’re shifting. successful. the time I spend with family and friends. His patients and his workers loved him and he was loaded.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. or maybe just busy work. how can you ever hope to achieve. It is not. (Either that. less really was more. Twelve months later he was happier than ever. This nice. 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. literally.” -Brendan Fraser 41 . In his case. He was a very successful physician with five private sports clinics. not the Joneses. Lifemoney Currency “I’m starting to judge success by the time I have for myself.
” In order to achieve this accomplishment you: • • • • Made a thorough search of opportunities Researched the companies I wanted to work with Matched my skills to company needs Prepared for the interview 42 . Even if you didn’t consciously use these qualities back then. or personal achievements. • • • • • “I earned a college degree. define a recent accomplishment by personal attributes: 1. Make a list of your top four or five achievements. certificates. now you can see how you managed to win that particular prize. list your personality or character strengths. “I made a wise career move by getting a better job. Under each. recognition. For example. reflect on the things that worked in your favor.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. and/or specific steps you took while completing these accomplishments.” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. these might include honors. In looking back on your past.
you will get a better idea of who you really are down deep. while others could relate more to mental functions. Some people excel at social endeavors like arranging parties or special events. You may even recognize the type of goals that attract you. like sports competitions. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future.Knowing Yourself 3. Let’s say for instance that when comparing the events above words like “organization. 43 . Look for patterns forming. 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. like academic work.” and “selective” came up in one form or another with each of the three achievements. and so on.” “thorough. You’ll begin to see how that person might emerge in the next stage of life. As you think about the things you’ve done that you have enjoyed and made you feel good. 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. some may be more physically oriented.” In this case As you look over your list what characteristics come up over and over? Those are your strengths.
You could be someone who inspires others when they go through hard times.Lifemoney The world is full of born-again success stories. So take this time to remember or remind yourself of what you want out of life. but in the renewal of spirit. You’ve just done an assessment of the qualities you see in yourself and that you find positive. I would like you to make a list of the qualities others have noticed in you.” Maybe you’ll get back that desire you once had to open a gym or start a summer camp or start taking at-risk youth groups on cross-country hikes. Aiming your thinking correctly requires more Workbook exercises at the start. Write down the characteristics that you’ve often heard people mention to or about you. If you do. enthusiasm. Or you may be the employee that handles confidential matters at your company because the boss trusts you most. That means laying the mental framework now for the physical action you will be taking later. 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. you are on your way to getting there. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors. Maybe your mom has always said you are hard working. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. not in a religious way. passion and effort. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. Your list could look something like this: 44 . Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages.
It’s our job.” -Derek Jeter 45 .Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. but I don’t think you can do well unless you’re having fun. Since most of us do a better job with activities we enjoy. This makes it that much easier to achieve your goals. Now you have an even better idea of how to play to your strengths as you set up goals for the future. Lifemoney Currency “You gotta have fun. It’s business. Regardless of how you look at it. Things that are fun for us are those that match with the ability to use these character traits. You need to keep this in mind as you plan your goals and how you will reach them. you’ll probably find that you are drawn to things you think are fun. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. we’re playing a game.
You do. I got the materials (or information) late. But all the while. and moving on. working around it or improving it. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. My mom’s cat died and I had to bury it. I didn’t know what I was supposed to do. The machinery isn’t working right. It’s part of being human. But if you don’t admit to those limitations. you can get into some real trouble. I have a saying: denial does not change reality.Lifemoney What Are Your Limitations? Let’s be honest. Everyone has flaws! But successful people understand the value of admitting to a weakness. As soon as you say.” you’re finished. You put things off. As long as you keep fooling yourself. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good. you will never be able to deal with the issues that are holding you back from success. Everyone has weaknesses. “I don’t have any major flaws. right? I do. and then do a half-hearted job when you get around to them. Maybe you have a lazy streak (sometimes I do).
or not taking shortcuts on a project. like being able to say “no” when you don’t want to do something. like shyness or arrogance. For instance. write a brief description of an incident where this particular quality had a negative impact: • • • Overbearing—offended a good friend of mine Sloppy—embarrassed my girlfriend at her company picnic Late—arrived late for an interview and didn’t get the job As you begin to link certain behaviors to unwanted outcomes. But if you’re late to the interview. These could include personality drawbacks. 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. even deciding how to invest the extra money you’ll be making. Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. You also can add things about your character that could benefit from improvement. what good is all that positive self-talk? 47 . you can have the best intentions in the world when interviewing for a new job. Now write down a few of your weak areas.
and Russell Simmons didn’t earn their millions by making excuses. they blame themselves In other words. for their actions.” Instead. Don’t blame the weather for being late. get rid of it. Bill Gates. You may want to start working on these weaknesses one at a time until you start seeing better results. don’t write it off as a cute character flaw. they blame themselves 4. 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. Derek Jeter. they blame themselves 5. They did what it took to climb the mountain of their success. Always assume personal accountability. is useless if you don’t act upon it. so take action. There are so many things you can do. especially self knowledge. and their efforts paid off. 48 . for their weaknesses. Don’t blame the economy for low profits.Lifemoney Successful people don’t write off damaging personal traits as “oh well. that’s just me being me. they: 1. Of course. for their failures. the minute you start passing the buck. And action means work. Knowledge. But remember that people like Donald Trump. Eat breakfast on the way and tie your tie in the parking lot. for their inactions. it’s easy to throw in yet another excuse about finding the time to make these changes. Take stock of their weaknesses and work hard to improve them 2. for their triumphs. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. Don’t blame the product for being inferior. for their strengths 3.
then do the work it takes to eliminate weaknesses and build on your strengths. one of the most successful photo search engines on the web. you can find a path—or blaze a trail—that will lead to your personal happiness. Though it was a full blown failure. Another example was a short lived photo search engine called Riya. They treat everything they try as an experiment. What matters is that you freely explore any path you wish until you find the one you are destined to travel. So rather than dubbing the whole project a failure. 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. Many people have failed at that. If you’re good with numbers.” but it didn’t work. Google created an early version of Google toolbar with all kinds of great features. if you like words and books choose a different road to your success such as writing or communications. For example.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. Whatever your interests and skills. On the other hand. Or it didn’t last. But within weeks they discovered that their great inventions were totally useless. 49 . Using mistakes as useful information is the way many large companies are innovating.com. they viewed the results as useful information. Maybe you’ve already tried success “your way. Then be fearless about taking it. Or then again you might end up on the exact same path your grandfather took a century ago. They decided to view “failures” as information sources for building new things. Maybe you’ll take a route that no one in your family or neighborhood has tried before. the lessons learned provided the originators with priceless information which allowed them to create Like. then choose something that includes some type of numbers work like accounting or investments.
Many successes start right where you are: not knowing themselves very well and beyond broke. Consider one the top 50 business influencers of the 20th century. Disney was to fantasy what J. I’ve failed over and over and over again in my life. “It all started with a mouse. Twenty-six times. a publishing house. Theme parks with the Disney name are located in the U. France. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. a film studio.” -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. Starting with a little mouse. I’ve lost almost 300 games. And that is why I succeed. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. and Japan.S. As Walt himself recalls. Disney founded a $20-billion media conglomerate that includes a TV network. I’ve been trusted to take the game’s winning shot and missed. and a worldwide store chain. Morgan was to finance. It’s easy 50 . Walter Elias Disney.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. an Internet operation. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories.P. But they know enough about themselves to know what makes them passionate and hungry. and they don’t let lack of money or support stop them..” Just think of that for a second.
list the qualities that you think you would need to achieve them. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. never let the world tell you that you can’t do something just because it’s never been done before. Remind yourself of the unique skills you bring to the process. as well as any new talents you may choose to develop along the way. landing your dream job. failure and distraction along the way. such as getting in great physical shape. This is done for two reasons. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about. 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. Two. So let me ask you again. He stuck to his singular vision of himself and is now revered as nothing short of a genius. Stay centered on who you are and the goals you want to achieve. The reason for this exercise is to begin the process matching your abilities to some of the things you want. Under each thought you write. But more importantly. or building financial security. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish. finding a life partner.Knowing Yourself to imagine success when it’s already been done before. Goal Achievement Exercise E Take out your Workbook. One. Now. but what if it’s never been done before? That’s the dilemma Walt faced. never tell yourself that you can’t do something because it’s never been done before. it will help you understand if you are looking for success in the wrong places by objectively 51 . Walt Disney held firm to what he knew. Through rejection and derision.
down cold. What remains important is that you feel successful at every step of 52 . the Hollywood Dream – and he left it all behind to risk his life and fight fires. you must understand why you feel a million dollars will equate to happiness. Here was a guy who seemingly had it all – loads of money. adoring women. making a million dollars doesn’t necessarily mean you will be happy.Lifemoney highlighting what’s required for success. it might not be what you expected. screaming fans. For example. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. if you want to make a million dollars. In other words. As an example. Why? Turns out he had Lifemoney Lesson # 2.Find More As you learned in Lifemoney Lesson #1. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. Make Less . Knowing Yourself. Know yourself and double check your motivations for success. and comparing those qualities with what you deeply desire to develop within yourself. knowing yourself and being true to yourself makes you successful. Understand that fortune and fame doesn’t equate to success. because he knew he couldn’t be happy doing anything else. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. be careful what you wish for. because when you get it. wouldn’t you almost kill for a chance to be a big Hollywood success? And what are the chances that you’d walk away from your success at the very pinnacle? That’s what happened to former TV heartthrob and star of the hit TV series “90210” James Walters.
” you’re in the conditional happiness trap. detours. obstacles and roadside attractions along the way is taking away from true success. See how that works? If you say “I’ll be happy when…. the two men took the boat out on the seas. The businessman had no problem going out for just a few hours while his own wife visited the spa. but that he only went out to fish a few hours each day. So many of us set conditions for our happiness. The next day. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii. the executive was impressed with Fisherman Joe’s skill and 53 . today. The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege. like “I’ll be happy when I make my first million. Ask yourself this: What happens until then? Truly successful people make peace with. progress at any price should be more than most of us are willing to pay. and enjoy. and that most of his day was spent with his wife and children. Although success is a worthwhile goal. not a destination.Knowing Yourself the process. Fisherman Joe told the executive that it would be a pleasure.. and that to skip the rest stops. where they are right now. While there. While waiting for the fish to bite. or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water. They recognize that success is a journey. he asked the locals if there was a fishing boat that went out daily. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide.
had no problem and 54 . asking if he could cash out his shares and return to Hawaii. Although Joe was reluctant to leave his comfortable home and family while working in L. truly amazed. “How would you like to go into business with me. The prosperous businessman.A. Joe knew that being in L. who had reached his goals.Lifemoney ability to find the best spots to reel in a terrific catch for the day. Fisherman Joe went from working full-time on his boat to getting three boats. would aid his partner’s goal of taking their company public. and did not really enjoy what he was doing. Just a couple of hours a day supplies all my needs. Joe decided he could not take this life anymore.A. After a slight hesitation. But Joe was now worn out.” Joe replied. Joe agreed. Working day and night was more than he had expected. After five grueling years. “I sell most of ‘em. and then working a fleet. Soon business was booming. He spoke to his partner. Joe shrugged. “After so many years. The two men moved the business headquarters to Los Angeles. and remove himself from the enjoyable part of his business—fishing—he did it anyway. I know their habits. they finally went public.” 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. The business life was not satisfying. as though he was unaware of the value of his skills.” “What do you do with them all?” the business man asked. “and take home what’s leftover for dinner. Finally. for the man seemed unusually humble. “How do you get so many in so short a time?” the businessman asked.
but he ventured away from it for more money. But Joe found it a waste of five good years of his life. and then I am going to spend the rest of my time with my family. Both of them found success in completely opposite directions! 55 . The interviewer was amazed by Joe’s journey and the story behind his success. the entire experience had been a detour from Joe’s own sense of success. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. Before Joe left. and many might have found it fulfilling.” the interviewer commented. and he ended up doing exactly the same thing. In the end. that’s quite a journey. his journey brought him right back to square one.A. “From fishing a few hours a day to a multi millionaire. it is.” Joe replied thoughtfully. It’s that you should know what you want out of life.Knowing Yourself wished Fisherman Joe well. This journey was quite productive..” The moral of the story isn’t that we should not try hard or set high goals. 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. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success. Two very different men viewed the exact same experience in two very different ways. “Yes. He already knew what success looked like to him. so I can fish a few hours a day. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. “I’ll get a small fishing boat. a popular magazine interviewed him. what are you going to do?” Joe replied that.
and effort to reach something that is much harder to attain. But he is the exception to the rule. -Brad Turk 56 .Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. and if you work in a field that doesn’t match your natural abilities. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. They can measure your characteristics and ability to acquire additional skills. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. just understand the obstacles that you are going to face. Certain occupations will be a better fit for you than others. Sometimes it will take that much more work. A local community college may also offer these assessments free of charge. Aptitude tests can provide some insight into your talents and abilities. Lifemoney Currency Understand that fortune and fame don’t equate to success. 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. being true to yourself and finding your happiness makes you successful. No one knows better than you where you feel confident versus where you feel unsure of yourself. time. Is that a realistic goal for you? It was for Spud Webb. go for it. These assessments are available all over the internet or by looking in the Yellow Pages. you may find your work unrewarding. Do you have that drive? If so. unchallenging and even difficult. who not only played professionally. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. Assessment testing can also help find your natural strengths.
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
Mr. Kanye West vs. 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). obstacles became simply inconveniences to be overcome. For two full days this artist could not come up with the resources for even a $2 token to get there. It is the first step of turning the thought of doing something into the reality of achieving something. And they don’t allow $2 tokens . For this exercise. It’s time to write some goals right now. Now let me tell you about another hip-hop artist you’ll probably never hear about. For instance: • Goal: Starting up a home-based travel agency 61 .Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. when accomplished. That’s because he had more daydreams than plans. His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. would make you a happier person.to side track their journey. Nobody. make a list of your top 3 goals that.or the opinions of others . Once they decide on that goal. Start by Writing a Goal Goals form the cornerstone of any new beginning and are the first of several steps you’ll need to get where you’re going. Every successful person I know has clear goals they’re reaching for. Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal. Goal Achievement Exercise F Take out your Workbook.
Now is your time. They happen every day. that’s natural.Lifemoney o Objective: Get travel agent license o Objective: Build out basement to accommodate office o Objective: Save up enough money for expenses and a salary cushion • Goal: Opening your own bakery o Objective: Find 2 bakers o Objective: Find a location o Objective: Do a business plan • Goal: Starting a vintage car website o Objective: Find a website developer o Objective: Research cars that could be placed on website o Objective: Legally incorporate your company At this point it’s common for people to feel a little insecure or anxious about finally seeing their life goals and objectives written out. they simply learned these lessons a little sooner and applied them a little earlier. get started! 62 . it’s often hard to see them as real. or read a book and you’ll see hundreds . Those people are not smarter. listen to the radio. The problem with dreams is that we’ve dreamt them for so long. Just watch television.even thousands of people who have applied action and planning to make their dreams real. Relax. or better than you. stronger. Dreams are real and they do come true if you follow this path.
Below each. We all know that goals just don’t happen. Let’s set up an action plan for your goals right now. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal.) iii. It could look something like this: Goal: Open a home based travel agency: Top three objectives and possible action steps: • Get travel agent license i. Clear space for new furniture 63 . Order a separate phone line from the telephone company iv. Find out construction costs for renovation ii. What bridges that gap? Action steps. Understand the testing process (where given. etc. 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. break the list down into three or four action steps you would need to take in order to reach that objective. Start looking into office furniture and equipment iii.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. Goal Achievement Exercise G Take out your Workbook. timeframes. An action plan is just a series of steps you plan out ahead of time to take systematic action. Schedule exam • Build out basement to accommodate office i. Prepare for exam iv. Research classes that offer test preparation for agent exam 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. but without a schedule to start with you’ll never know if you’re slipping.Lifemoney • Raise and save enough money for expenses and salary cushion i. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. deadlines slip sometimes and you have to readjust your schedule. Figure out what amounts of money will be needed to live off of while building the business iii. Sure. Let’s say you want to own your house debt free within ten years. Start putting away money weekly toward travel agency iv. When you sit down to make your plan and you see that both of your children will enter college within the next ten years and your spouse is going to need significant surgery in the next year you may 64 . but they also add urgency to their goals by making themselves accountable to deadlines. Now you’ve written goals and some action steps that lead to the goals. Figure out a budget of what the business will cost ii. So not only do they spend a lot of time managing their time. objectives and action steps.
Overcoming Obstacles realize that this goal does not have a reasonable timeline. If you need a year. Go back to the list of goals. not written in stone. Beside each of the objectives and action steps. This is an easy step to take. The goal is still reasonable. As a result. many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. objectives and action steps. give yourself six months. but the timeline isn’t given the circumstances. give yourself a year. rushing into it is more dangerous than not starting it at all. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. With a large goal like opening a new business. Successful people set goals and objectives. Let’s actually do it now. Timelines do not mean deadlines. but for the most part. You must schedule your goals. and then they set times and dates when things will be completed. jot down a date for reaching them. You’ll need to adjust. be VERY realistic about your timeline. many people leave this step out and things just never get done. and that gets your heart rate back within normal ranges and allows you to actually sleep at night. objectives. 65 . Goal Achievement Exercise H Take out your Workbook. but it’s also easy not to take. you should set reasonable deadlines and do everything you can to meet them. they identify action steps. they are guides. Unfortunately. For instance if you want to start your own bakery. and action steps. Schedule changes or circumstances may require adjusting a date now and then.
After he said he was going to take care of one of the items that I did not want to do. I stopped and paused. Write It Down Words are priceless. I learned early on a major flaw that he had that amazed me. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. Like most successful people. He probably had the one of the worst memories I have ever seen. Never underestimate the influence of actually seeing your goals written out and in front of you every day.Lifemoney If you keep on falling behind and have to reset your dates. you might have to adjust your action steps or your due-dates to make them more reasonable. His solution was to write everything down. most talented and gifted people I know. I actually had a business partner who is one of the smartest.” 66 . About 30 seconds of silence went by and he asked me why I became quiet. I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. Written words are also great for organization and focus. he knew how to compensate for his flaw and it practically never affected his work or his success. Anything of importance that needed to be followed up on was immediately put in his Palm Pilot (that was/is his tracking and “things to do” vehicle). The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline. I told him. “I’m waiting for you to write that last item down.
tasks first. reserve a block of time to do what needs to get done. you may need to break down the week by hours to make sure you are managing your time properly at first. annoying. You should get the boring. 67 . Here are a few tips for using your daily “To Do” list: 1. You may not get everything you had planned done in a given day. moving you closer to achieving your goal. committed. Depending on how organized you are. and visualized steps. “To do” list which you will reference daily. set deadlines. over time.” -Les Brown Goal Achievement Exercise I Make a daily written. Do the important. you may be able to do more things in a day. 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. even if unpleasant. For goal setting you will need to prioritize tasks. Every day you should be aware of all your goals and the steps needed to attain them. realistic. and plan specific. measurable. Set aside some time each morning to review your list and begin working on the listed tasks. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. but you will make progress and.
It is not in the way. use them! Lifemoney Currency It’s true – if you fail to plan. even I know it is kind of strange – but it works for me. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up. do what works for you. Computer programs and electronic organizers can save you a lot of time over manual lists. I don’t recommend this method. For example. you plan to fail. 4. but it works. I want to start playing more basketball. 3. -Brad Turk 68 . Carry a pocket-sized list with you at all times. your PDA or phone alarm as a reminder. but it is visible and reminds me daily to get out and play. I know I could come up with a more efficient method. So if you need post its. Obviously. I do this. Learn how to use technology. and I am happy with it. Although I suggest technology. With computer programs and organizers you can adjust lists quickly and neatly. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. I have a main list at home and a daily list that I take with me. It’s just something I want to get around to doing more often. but it is not really a priority that I want highlighted on my daily to do list. We need to take luck out of the equation.Lifemoney 2. I will do things like leaving a basketball by my front door.
The MCI philosophy was “we’re selling on value. There were a lot of smaller companies. it is extremely difficult to sell value at two times the cost for the same product. now is the time to knock them down forever.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face. Mental and physical preparation is essential to finishing any journey. Adversity and obstacles will come up along the way whenever you start setting goals. Successful people use their Lifemoney skills to look at obstacles as opportunities. taking market share away from MCI and AT&T. not stumbling blocks in their path. My problem was that I was the one handling those smaller customers. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. Most of their larger customers simply wouldn’t take a chance with a smaller. and you must be mentally prepared to deal with them. I found that MCI was one of the highest-priced long distance service providers on the market at that time. with fewer expenses.” Unfortunately. They step up and success is their reward. Whatever obstacles have been preventing you from starting your journey. not price. because it mostly affected the smaller customers. But MCI was not concerned with this. 69 . These companies were offering rates that were about half the price of what we sold. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. newer provider.
list possible or proven obstacles or fears that may be keeping you from reaching your goal. let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . The turnover rate for my position that year was 95%.Lifemoney I quickly scrambled to find a solution. This was the beginning of a booming market. That meant that for every 100 reps starting at MCI. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. I started looking for other products to sell even though long distance was supposed to be our main focus. With firm goals and objectives in mind from Exercise F. Be honest and write every obstacle and fear you can think of. Luckily. Below that. Describe one of your main goals in a sentence or two. I was fortunate enough to look where others were not and I weathered the storm by linking to a product that was starting to turn hot: prepaid phone cards. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. Then come up with the solution/objective and an action plan. Lifemoney Currency “If you don’t like what’s on TV. 95 left or got fired.
etc. shapes. So is flying an airplane impossible? Of course not! People fly planes every day. Objective: Find out about buying a used plane Action plan: Find out about bank loans. focused.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. etc. Here’s an example of what your obstacle list and action plan could look like: Goal: To pilot my own airplane Obstacles: • I don’t know how to fly. So how do they do it? They are not superhuman. Objective: Research planes and prices Action Plan: Go online and research planes. they add action to their goals and steps and turn dreams into reality. and manageable. but they are action heroes. • I can’t afford a plane. etc. People just like you and I. Each part of this process should be specific. find an online interest group. Objective: Take Flying Lessons Action Plan: Research Classes. so that you will 71 . These obstacles come in all sizes. 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. • I don’t have a plane. so you will need to spend some time figuring out the possible or probable barriers to your goals. It’s like your teachers used to say in school: “You’re only cheating yourself”. start a savings account with regular deposits. clear. save money for classes. and colors for different people.
When we face challenges and overcome them. Lifemoney Currency “They say if everything’s going your way. That’s because life is supposed to be a challenge. Let’s examine each of these and ways you can beat them every time. you’re probably going the wrong way. you’re probably going the wrong way. All of these steps we have completed so far help you get focused. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1. stay clear. They say if everything’s going your way. Number 1: Procrastination 72 . procrastination.Lifemoney end up where you want to be. we learn from our success and failures to meet the next obstacle with even greater results. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. allowing failure to be an option. 2.” -Brad Turk Three Huge Obstacles In my life as a successful businessman. or even when we face them with not-so-successful results. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. As with this goal of flying. making excuses. the goal suddenly seems reachable. and manage your way to achieving your goals. your real goal at first may seem almost impossible to reach. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles. and 3.
All the time that is wasted procrastinating is not putting us closer to reaching our goals. or avoid taking action steps once the plan is made. To me. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4).” “I don’t know where to start.” “The kids need me right now. 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.” “I’m too tired.” “I can’t find a minute to myself.” The list goes on and on. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments. By procrastinating I mean putting off or delaying an action or task to a later time or date.” “My husband says it won’t work.” “I don’t have the help I need. We say things like: “I’m too busy. procrastination is one of the worst enemies of success.” “My wife’s nagging won’t let me think.” “It costs too much.” “I’m over-committed already.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination. 73 . and some of us are experts at it. too. It’s easy to put off making a plan for starting the journey to your goals.
just go and focus on doing the weight training. Don’t think to reschedule it for a better time. Instead of doing the dreaded cardio. • Avoid people or things that will take you away from what needs to be done. Even pick one of your favorite exercises to start. places (the mall). • Do a part of the task. Or don’t think about not feeling that well at the moment. Just get up and go. you might be feeling up to doing the cardio. Example: If you’re not feeling well and you are supposed to do cardio and weight training.” -Robert Frost h i nk about that quote. You’ll feel better after you do. some willing to work. Which one do you want to be? Isn’t it time you stop playing victim and start working on your plan for personal success? I have listed some effective ways to overcome procrastination (and an example for each using the goal of getting in shape): • Just start! Don’t let any thoughts enter your mind and don’t think about the task. We all know time-suckers. go. Maybe after that is done and your body is in motion. Maybe a part that interests you most. or things (Xbox/housework/chores). Don’t think about the whole thing.Lifemoney Lifemoney Currency “The world is full of willing people. You tell T 74 . do “a part” of the task. the rest willing to let them. Just do it! Example: When it’s time to go to the gym. be they people (your lazy cousin Eddie). Example: You are on the way to the gym and your buddy calls you to go out somewhere.
he’ll be waiting for you when you’re done. not the steps it takes to get there. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. For instance. not the task. think of how you are going to look at the beach.Overcoming Obstacles him you can’t but he is persistent. Yet most of us grab onto great ideas for self-improvement without much thought. While this may be extreme. don’t think of the exercises that you need to do. find a workout partner. • Find a partner. Many successful people consciously visualize a result before beginning a task. Example: If you don’t feel motivated to go to the gym and you dread having to go. fold it up in their wallet. • Focus on the results. Example: If you need outside motivation. I’ve seen people literally write down “make a million dollars this year” on an index card. get a friend involved or find someone at the gym who keeps the same workout schedule. • Write down why you’re avoiding the task. colleague or friend. and spend every waking minute realizing their goal. which explains why a significant number will fail or relapse when the going gets tough. Sometimes we just need a little outside perspective from a family member. If he’s a real friend. Then work on the task and write down how you feel now that you’ve done some or all of it – enjoy that sense of accomplishment. All successful people meet their obstacles 75 . visualize the result you’re after. If failure is always an option then success may never be within reach for you. You need to be firm and stick to your plans and continue on to go to the gym. You can hire a trainer.
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 . at last. Sylvester Stallone went through huge trials and tribulations as a writer. Even when some degree of success was in his reach – he was offered thousands of dollars to buy the script at a time when he and his wife really needed it – he saw a half-deal as a failed deal. he found a movie studio willing to buy both his script and his portrayal of the main character. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. Stallone refused to fail. How far are you willing to go for success? If you concede failure before you even begin. star and creator to see his project come to life. He persevered until.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. but lost out on several of them because he believed he was the only actor who could pull off the lead role to his demanding specifications. Much like the boxer in his now famous movie. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. you may never know. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed.
if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. At the age of forty. 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. You might feel too old to reach your goals or that it is too late to realize your dreams. my sister enrolled in medical school. Life circumstances and 77 . Emotionally speaking you may be thinking it’s too late for you to change. For example. But it is never too late to achieve your desires. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights.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.
Number 3: Making Excuses Excuses are very powerful. they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do. like earning more money by asking for a promotion. Start with one goal at a time. Your elaborate reasons will not impress anyone. maybe even a small one. when you make an excuse for not doing something. The bottom line is. be definite and defined about the action you will take and when you will take it. Rather than making excuses. the thing you were suppose to do did not get done. But guess what? Excuses are worthless! There is never a need to make an excuse. Your action steps might include dressing the part of the higher position. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives.Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. Lifemoney Currency If failure is always an option for you then success may never be. This is just not acceptable. and approaching your supervisor at just the right time to maximize your chances for success. -Brad Turk 78 . working overtime to prove your usefulness. Excuses are probably one of the biggest obstacles that keep you from achieving your goals.
That means creating a written plan for reaching a specific goal. I am ready to create goals. The plan should list the goal. _____ 2.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. objectives. remember that when this process is complete you are ready to step on the gas and head on toward your destiny. Whatever you do. I have a good idea of my action steps to reach each goal. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Being prepared to face them is a huge factor in overcoming them when you meet them. action steps. We need to do everything in our power to make them happen. 79 . Let me repeat: NEVER FORGET to anticipate that obstacles will come up. We need to do everything in our power to make them happen. timelines and an idea of some of the obstacles you’ll face. Lifemoney Currency: Good things don’t just happen by themselves. and then tally your score. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with.
I am looking to see how technology can make my life easier.” -Brad Turk 80 . I have plans to fully and completely address all roadblocks to my success. _____ 10.Lifemoney ___ 3. _____ 4. _____ 9. I have thought about some of the obstacles I may face. Lifemoney Currency “Excuses will get you everywhere. No excuses: I will not let myself off the hook. I am ready to adopt the mindset of someone who will be successful. Just not where you want to go. _____ 8. 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. _____ 6. I have created a timeline for my action steps that appears to be reasonable. ______5. _____ 7.
well done. good point. Yeah. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. awesome. like walking upright. efficiency. time management. Learn to use these five with skill and you’ll achieve whatever you can dream. My favorite is the one where a television anchorman says to the caveman." Overview Success requires the right tools. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen.' it would have made me actually look and feel ridiculous. inventing the wheel. 'Good job. and laying the foundation for all mankind. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. The five tools are focus.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned. “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. discovering fire. you’re right. priorities and commitment.” 81 .
We create mental tools to help us achieve greatness as well. successful people use many of the same mental tools – and use them well.our tools surround us.stoves. Now that you’ve made up your mind to go after your dreams. 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.Lifemoney We’ve been innovating and making tools since we lived in caves. Though different tools may suit different people best. People use tools to improve their lives. There was a time when people had to be told how to use a telephone. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make. you need to select and develop the tools that will help you achieve your goals. Technology is just a tool. Whatever the task requires . If you stop to think about it. cars or computers . Here are some of the strategic tools that will help you succeed in achieving whatever you dream: • Tool # 1: Focus • Tool # 2: Time Management • Tool # 3: Efficiency • Tool # 4: Priorities • Tool # 5: Commitment Lifemoney Currency “There was a time when nails were high-tech.” -Tom Clancy 82 . nearly everything in our world is a tool.
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
” 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. days. If you wasted just 30 minutes a day on surfing channels. let alone two or three. First. If you’re unclear about your objective you’ll be unclear about the time you’re spending. Donald Trump suggests sleeping only 4 or 5 hours a night. The next time you’re tempted to spend time where it won’t count for much. finish whatever you start. after 50 years you would have spent more than a year of your life “wasting time. interesting. or reaching that goal you think you just don’t have time to reach. minutes. Second. be very clear about what you’re trying to accomplish each day. weeks. or useful for others or yourself.Tools for Success manage time well and you become a master of extra hours. like building a career. In his latest book. contributing to the community. To manage your time better I would suggest four things. only sleeps 4 or 5 hours a night. insists that she. ignore the invitation and do something constructive. Trump: Think Like a Billionaire. talking over the fence to your neighbor. Rachel Ray. too. Just pride yourself on finishing projects and never allowing them to linger unfinished. enjoying your family. busy with multiple high-profile projects including a daytime talk show and cookbook empire. Third. driving to the store. months and even years. think of the extra hours you could find just by adjusting to one less hour of sleep per night. While this may be extreme for you. Extra snippets of time come in the most unlikely places. Take it a step further and think of how much time we waste every single day. or browsing the classifieds or eBay for things you don’t need. 87 .
King has consistently published three or four novels per year. While many consider him the “King of Horror. Since publishing his first novel.” . You are the only one who can guard your time – no one else will do that for you. the author of some of the world’s most popular novels.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. and Misery. he is efficient with his time and committed to writing practically everyday. Someone who knows a little something about being efficient is Stephen King. don’t give into time wasters. or any other resource you have available. Lifemoney Currency “The bad news is time flies. all of them bestsellers and featuring such instantly recognizable titles as Cujo. money. The good news is you're the pilot. except for three: his birthday. How does one author manage such a staggering number of pages? The answer is efficiency. energy. Carrie. It’s a good lesson for all of us: you might surprise yourself 88 . The Shining.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. Salem’s Lot. King has long said he writes at least four hours a day. every single day of the year.” the author is also the mind behind movies like Stand by Me. Fourth. Remember that your time is your time. back in 1974. So even though he is not working 10 hours a day on his books. the Fourth of July and Christmas. The Green Mile and Hearts in Atlantis.
You also should get in the habit of counting the “efficiency cost” of each decision you make. from time spent with friends to starting a home-based business. weigh each one with a view to your goals. From now on. I would like you to list five things you are doing today that could be done more efficiently – and at least one step to boost your efficiency. Ask yourself. My guess is that you will get more done in four focused hours than eight unfocused ones. when you get the chance to make decisions. you may need to reconsider that decision. but efficient work. Let’s do an efficiency exercise. In other words. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. Everything in life has a price tag. For instance: Current Activity: Not getting enough time in at the gym Efficiency Booster: Join a gym closer to home so less time is spent on the road to and from your workout Current Activity: Never finishing all the chores on my “to do” list Efficiency Booster: Make a rule that you won’t watch TV at night until you finish just one more item on your list Another way to become more efficient is to make choices that will lead you closer to your goals rather than away from them.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. Not pushing paper or daydreaming. Goal Achievement Exercise L Take out your Workbook. some activities are more efficient in getting you 89 .
get in the habit of asking questions like these before making major. especially future goals. decisions: • • • • How much will this cost in terms of money. To better manage your time and utilize your time more efficiently. consider making changes like these to enjoy life now while working toward a better one for the future: 1. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. In order to focus and spend your time more efficiently.Lifemoney toward your goals than others. For that reason. but efficiency of performance is what wins the game for the team. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. Ride your bike to work to relax and get some exercise. time.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. 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. and effort? What must I give up in order to make this work? How will this choice bring me closer to my long-term goal? Will this decision prove worthwhile in the future? Lifemoney Currency “A particular shot or way of moving the ball can be a player's personal signature. Using time efficiently is a huge obstacle for many people who are would be success stories. I want you to realize a few things about time and think about ways you can use your time more efficiently.
or poorly. minds. When our “To Do” lists are too full. 5. Monitor how you’re spending your time. between important tasks. 91 . Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. Setting aside one hour at the end of every week to analyze how well. When we schedule a block of time. or both. television can be a valuable tool. like getting to work or going to the store. most don’t. you managed your time that week can save you hours the following week by learning from your mistakes. 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. which can be as little as fifteen to thirty minutes. Watch less TV and do something more productive. with planning and forethought. we can’t perform task after task without stretching our bodies. When viewed wisely. Eliminate the hassle by making something you have to do anyway. and make any needed adjustment. Set aside “unwind time” after work or school. Things do not always go like clockwork. Don’t overfill your “To Do” list. Get a Spam filter for your e-mail. neither of which fosters success.Tools for Success to accomplish in the first place. 6. exercise. Unfulfilled lists lead to depression and disappointment. we tend to perform those tasks more efficiently. We are not computers. 4. Many programs offer everything from stock tips to weight loss programs to informational documentaries. kids get sick. they often remain unfulfilled. cars break down and bosses demand overtime when you least expect it. 2. spouses need our help. 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.
Without those paychecks. When we learn to use our time – all of our time – wisely. If you’re stuck in traffic. 10. creative people. Tool #4: Priorities What are the priorities in your life? For many. we gain not just precious moments but momentum. etc. You get up. I usually use car time to catch up on calls that I need to make.Lifemoney 7. you would not have a roof over your head. open the window and enjoy the air. 92 . especially when it’s spent in waiting rooms.” If we could save all the time we spend on worrying and complaining about things we can’t control and apply it to things we can.” Never waste an opportunity to learn. the day begins with the priority of going to work and chasing a paycheck. or a car to drive. Take a break to relax and listen to music. don’t worry about the rest. wishing you could be outside. Mason Cooley once said. Appreciate unexpected delays. “Worry is not thought. Consider carrying a small notepad and pen with you at all times – or even just a couple of index cards tucked in a pocket or purse with a pen so that when you get a great idea while standing in line you have somewhere to safely store it until you can turn that idea into reality. Only focus on things you can control. Bring a book to all your “doctors visits. there would be so much less to worry about. Use waiting periods wisely. Think of the day you were sick in bed. get dressed. 8. complaining is not action. in restaurants. food to eat. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. waiting for appointments. Entrepreneurs. Always carry something to capture your ideas. and get going to a job so you can take home a paycheck every few weeks. lobby lines. 9. even when it’s spent waiting for things.
Second. 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. Don’t do busy work. If your goal is to write a letter to someone. 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.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. Do whatever you’re doing all the way. The need for a clean desk before you can begin is less a necessity and more of an obstacle. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. The third suggestion for prioritizing. Choose a priority and be a finisher. something or someone important is going to get short changed. complete all the important things at the beginning of each day. Don’t multi-task and try to accomplish too many things at once. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. and take time to spend with the ones you love. You can easily become distracted doing this and usually nothing gets done right. Then commit to giving your best to your life and to your goals daily. focus on writing and not the collateral activities that might make writing that letter easier.Tools for Success Another priority for many people is their relationship with family members and friends. Finish what you start when you start something. don’t spend three hours cleaning your desk so you can get started. Focus on one step at a time. 93 . You come home to people that mean a lot to you. In other words.
There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. I never answer my phone unless it is a call I’m expecting. Sometimes you might want to consider sharing profits or payoffs in order to get needed help.Lifemoney Fourth. and freed up some of my time to work on other priorities. my partners and I had a synergy allowing us to accomplish more in less time. Even though I had to share the profits. Your time belongs to you. it was worth it to me. Take on only what you want to do and say no to the rest. Leonardo da Vinci. don’t be afraid to say “no.” Delegate worthwhile projects that can be handled by someone else. and Albert Einstein.” -H. Fifth. Thomas Jefferson. 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. 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. Michelangelo. Sure. Lifemoney Currency “Don’t say you don’t have enough time. You have exactly the same number of hours per day that were given to Helen Keller. Mother Teresa. Pasteur. That will only take me away from my priorities. create a sense of urgency for important activities that are going to be meaningful in your life. I could do it myself. Together. But why spend hours handling that task when my time can be put to better use? Last. Pay less attention to things that come up but have no relevance to your goal. Jackson Brown 94 . give up the little things that scatter your time and energy.
it was like brushing his teeth. His response was that working out was one of his daily events. we call it a mortgage. 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. 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. When I was talking to him about his workout plan. you need to make your goals – things to do – daily activities. 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. or sleeping. However. For example. In the last ten years. would you? 95 . consistently. It was something he had to do. he had not missed a single week of working out. eating. they make a commitment to the bank. he told me that he hit the gym five times a week. a key part of your lifestyle. I have a friend who has been bodybuilding (or body sculpting. 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. In the same way. Then the real embarrassment came: after going over his working arrangement. When we make an appointment to see the doctor. when someone buys a house. besides his normal two week break.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. I was amazed at his dedication and commitment. as he calls it) for over ten years. You wouldn’t go a whole day without eating.
He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation. I saw him) to a few months later running 26.200 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 . Go big or go home. Follow through.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. You have no choice really. give 100%. because a 99.9% effort were given.9% effort will not get you where you want to go.517. Daddy's House Social Programs and the public schools of New York City. 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.000 checks will be deducted from wrong bank accounts in the next 60 minutes. 1.200 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 • • • 103.500 defective personal computers will be shipped this year 2. He set a goal and did not stop until he reached it.260 income tax returns will be processed incorrectly this year 2.200 books will be shipped in the next 12 months with the wrong cover 5. 22. He went from hanging out and drinking at clubs (I know.2 miles. Here’s a breakdown of how things might look if only 99.488.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.
Jamie was already a 97 . often unsafe. Oliver Stone. Any Given Sunday.” He did not believe Jamie could pull off the part. next Thursday and every day in the future on defective. 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. wanted nothing to do with Jamie. tomorrow. He even went so far as to tell Jamie that he “would not waste one inch of film on him.690 will be spent today.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880.500 mismatched pairs of shoes will be shipped this year $761.000 incorrect drug prescriptions will be written in the next 12 months 114. saying Oliver Stone didn’t know what he was talking about.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18.900 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.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9. The director. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20.Tools for Success • 3.
never. -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. never give up. he said that he couldn’t make the movie without Jamie. Moesha and Hanging with Mr. Cooper. He had also starred in several movies by this point. The Jamie Foxx Show. So that’s how successful people handle getting something that they want.Lifemoney successful comedian/actor. at that point in his career he did not need the role. I think it is fair to say that although it turned out to be a great part for him. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . and he had already done many TV shows like In Living Color. remember to get and stay focused on success. Second. He had his own TV show. First. Roc. 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. Lifemoney Currency Never. they are confident in their abilities and they stay committed until the task is accomplished. They are humble enough not to think they are too good to put in the extra effort. I heard that after Oliver saw the audition tape. But that’s not how Jamie viewed and approached it.
and resources. talents. you go to it. Third. or hour passes it is gone.” -My Mother 99 .Tools for Success second. 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. minute. Fourth. make efficient use of your time. Lifemoney Currency ”Success doesn’t come to you. make a commitment to embrace your goals and make them part of your life. Last.
I have evaluated my schedule and am eliminating the time-wasters. I have identified my focus and am ready to pursue it wholeheartedly. _____ 4. I am “do or die” committed to doing what it takes to reach my goals. I am determined to include my goals in daily lifestyle activities. _____ 7. _____ 6. I am taking specific steps to make better use of my time. _____ 2. _____ 3. I am willing to delegate some tasks to others. and then tally your score. I am taking steps to avoid or redirect or see beyond these distractions. _____ 10.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 9. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I have begun sorting high priorities from non-essentials. Lifemoney Currency ”What you can’t fix. change or impact – You can’t worry about” -Brad Turk 100 . I am learning to make choices that will lead me toward my dreams. I have made a list of the major distractions in my life. _____ 5. _____ 8.
You add them all up. as long as you are going forward. 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. one giant leap for your life. your plans for reaching your goals are in play. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. You may not feel like you’re making much progress yet. to 101 . only to find out later that the IRS has seized the bulk of the account.” -Christopher Gardner Overview Finally. At one pivotal point in the movie. and one day you look back and you’ll be surprised at where you might get to.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count. compassionate and ultimately successful man named Christopher Gardner. he took on the role of a complicated. Gardner believes he has over $600 in the bank.
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. When things take time. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. it’s easy to wander and not finish the essential steps that lead to your goal. it will most likely take months. and literally withdrawn it from the account. It will cost about $5. Busy work doesn’t get it. if not years. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. including printing. The resulting loss sent Chris and his young son onto the street. You’ve decided that you’re going to launch your t-shirt line six months from now. But don’t worry: patience and paying attention brings progress toward your goal. While the event seems tragic. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. For example. Instead. to do everything that you want or need for your dreams to become reality.000 for everything you need to get started. But this motion is not complete unless you are taking active steps to measure your progress and know where you are on your journey at all times.500 shirts to local retailers. you need your plan clearly laid out and a means to track how you’re doing.Lifemoney the tune of $600. 102 . let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. shipping and delivery of the first 2. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand.
It’s been a year since you made the decision to launch. or about $160 monthly.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. What happened? Well. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. In this example. 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. but a big 103 . Keep it simple. Don’t forget the map! The solution to this common problem is either a chart of your own making. where you’re going and how you’re doing. The simple reality is you need one single visual reminder of what you want. electronic calendar or some other external system. This means that you will need to save $960 in the next six months. and you recall spending $300 to get a new bicycle. but by all means use something. you simply failed to keep track of your progress. We often just assume things are going to work out once we have our plan in place. I prefer a big calendar. a daytimer. This messes you up because initially you only needed to deposit $110 in the account each month. shipping and delivery – into place. Was the goal bad? No. But when you check you notice that there is only $4.040 in your money market fund. Was it out of reach? No. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch. 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. What happened? Most likely – you made a bad assumption. Were you on track? Yes.
Your reminder system should have several key components. Remember from Lesson #3 these are like “mini” goals that help you reach the larger goal or break the larger goal down into easier pieces. I monitor them on a grid which I will introduce shortly (these pieces of information can be derived largely from the work we’ve done in the previous goal achievement exercises). so I’ve broken down my own personal system into five easy to monitor factors. They are items that need to be accomplished to get me further toward my goal. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. I’m addicted to simplicity. I make sure I regularly review my objectives. make this sheet physically easy to see as you go through your day. Also. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. As you can probably tell. Let’s find out what they are. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. List a Goal: This is where I simply write out my goal – one goal per sheet. Here are my basic elements: 1. 3. I write these action steps in clear and direct language using 104 . 2. As always. Written goals are powerful. 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.Lifemoney piece of paper would do. It’s important to monitor each goal separately so use a separate sheet/planner for each goal. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them.
Take it out for review often to make sure you are headed in the right direction. Create a grid that lists basic steps for reaching your goals. Closure on my objective always makes me feel good. 4. I am going to use an example of setting a goal of becoming a better golfer in a year. Now it’s your turn. creating objectives and action steps. You can find lists of action verbs by doing a quick Google search for lists of action verbs. If I do all my action steps. We’ll start with January. Goal Achievement Exercise M Take out your Workbook. the more accurately I can tell if I’ve reached what I originally envisioned.Evaluating Progress action oriented words. How you arrange your grid is up to you. 105 . a popular time of year for making new resolutions or resetting ongoing goals. I have found that the more specifically this is worded. If I reach my objectives. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. 5. and keeps you in touch with the realities needed to make your goals happen. and is a great marker of progress toward my goal. I will reach my goal. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. I reach my objectives. but below is a model that provides an idea of how yours might look. as well as your response to them. Charting your journey in writing helps to make the whole process seem more real. Completion: I always mark the date when I’ve achieved each objective.
and equipment of golf. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. I will surf Internet for local golf pros. 106 . you can quickly and objectively measure your devotion and success in chasing your dream. to work toward your goal. and how often. Enjoy the thrill of getting better. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. Learn terms. you may spend another week in January (or whenever the first issue comes) reading articles from the publication as your action steps for those weeks. Action Step I will take 2 hours during the first week of this month to write out my plan. I will get expert help and assessment. keeping a grid like this one will show at a glance what you are doing. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. by the way. pros. will be spent revisiting an earlier action step. For instance. Call for subscription to Golf Digest. I will make the time to sign up for lessons and commit an hour a week to practice. When you go back and check your grid periodically.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. Even if you don’t fill every moment with related tasks. Some weeks. Read one golf magazine article per week to learn more. Check yellow pages for indoor putting green. Year-round practice will improve my skills. Outcome I will enjoy my golf game more and feel a sense of accomplishment.
If you get the same input from different sources. you could switch to a physical activity approach in conjunction with. Fortunately and unfortunately. Ask good questions Most people want to know what they did right. Make it easier for them to evaluate you by asking the right questions. Maintaining Your Course So what can you do to make sure you’re headed in the right direction? Here are a few tips for realigning your journey with the original goals that motivated your action plan. Evaluate the input. For example. remember to adjust the steps to getting there. “You did nothing wrong. Find something that works. chances are it is correct. or instead of. even if that means rotating new activities through the process until you find one that works best for you. and you found little change in the numbers after a few months. for example. it also forces them to be specific. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. the diet routine.Evaluating Progress If you decide to change your goal for whatever reason. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. 107 .” To get better information ask.” This makes them think. “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 are now going to get a few things that they were not that excited about. Ask for outside input from people you trust to be honest. If. I liked it all. This is good.
He was told that his best hopes for a career would be as a carpet layer. which is totally worthless. don’t reject impressions just because they are negative. Before you open yourself up to criticism.4 billion was thrown out of 2nd grade. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2. Analyze the critiques and use them as you see fit. Criticism is good – it lets us see a different side of ourselves. people will stop telling you what they really think and say only what you want to hear. Keep in mind that not all opinions you get will be accurate. When someone tells you point-blank that you’re going about something all wrong. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me.Lifemoney Welcome criticism Some of the comments you receive might include criticism. I’ve been wrong on many occasions. You’re allowed to discard opinions if you have a strong impulse that they are wrong. 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. If you argue or make excuses. Don’t be afraid to be off track—or even outright wrong. however. 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. just listen carefully and ask how you can do it better. 108 .
Before being home-schooled he was kicked out of three schools. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. taking a personal finance class. or we wouldn't have his incredible. Get enough information to provide a clear picture of where you are currently.W. where you want to be. if your goal is to retire at age 45 meet with a financial planner. Woolworth. For example. • • Walt Disney was once fired for a lack of "good ideas. His bosses thought he lacked the common sense.Evaluating Progress • Thomas Edison was told he was not teachable. His name was F. including the light bulb. You might even want to get several opinions and weigh several options before making a final decision. With his creative mind he patented over ten thousand inventions. and film. and creative theory of relativity that has shaped modern physics. Registering for a financial planning seminar. His last headmaster said he'd never make it. • Albert Einstein struggled in high school math. and how to get there in the most efficient way. or an investment agent to discuss planning strategies that can make this possible. founder of Woolworth’s and modern department stores. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. your banker. that he was a screw-up. Good thing he didn't. Yet. he never gave up. or attending a money management workshop are additional ways of becoming more knowledgeable.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. These also help to make sure you have a realistic goal set and that your 109 . far-reaching. the phonograph.
If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. and your progress to see if adjustments are needed for a better chance at a successful outcome. the loss of a job. Some people even use something as simple as notes. Notes to yourself. 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. O. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. you may get off 110 . daily steps that carry us the furthest distance. keep track of your progress. a great new job offer that comes unexpectedly. you still have time to adjust your plan to maximize your chances for success. If not.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. Your best skill is your ability to write things down and track yourself. or meeting someone and falling in love. Above all remember. Watch your goal progress closely Check your daily activities. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. your plan. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. Either is fine. 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. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day. a death in the family. this is the time to reevaluate your goal. as long as you continue to make steady progress.K….
” “I have to constantly watch you because you waste so much time.Evaluating Progress track too. Here are some examples to get you started.” “You’re stubborn and won’t do as you’re asked.” “You’re attitude is bad. 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. There are some very good action steps you can take to get yourself going again. You stop exercising or you start watching a new television series that leads to another new show to another and to another. properly aligned and refocused. List the five most common criticisms you hear about yourself. take this information and use it to your advantage.” “You’re always late. 111 . Goal Achievement Exercise N Take out your Workbook. “You always complain and never offer solutions. the faster you can get on your way. and then outline action steps you can take to address these. • • • • • • • “You have trouble following through to get things done. Don’t beat yourself up for being normal.” Rather than being upset or offended. And don’t forget that sometimes you get off track due to internal factors rather than external ones. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time. Then move on to do the same with larger tasks.” “You work slowly.
you will lose track and wander in pursuit of your goals. Being honest with yourself is a powerful tool. come up with a clever solution to some problem the boss is having. I strongly suggest that if you break your tasks down into smaller. Then be proactive in making changes to benefit yourself and others. gut-level honesty. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. Write down the smaller. Be honest in soliciting opinions from others and acknowledging your weak areas. Keep these keys in mind: 1. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. daily pieces that when completed will gradually accumulate and lead to success. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. more specific steps you 112 . 2. Better yet. Fortunately. more doable chunks that you make note of it in your planner.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. If you don’t make notes of how you’ve broken down your duties. Especially honesty with yourself about your own weak spots. there are many things you can do to address problem areas and turn them around to make negatives into positives. break the goals up into smaller. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. • • Finish the task at hand and ask for something to do next.
and be willing to make the necessary changes that will help to ensure success. Resourcefulness). f. etc. Make one sales call daily at least five days per week. d. j. Check out at least one set of blueprints for your dream home each month. Work on replacing a bad habit with a good one each month. Whatever you do. Save at least $10 per day for an average of $300 per month or $3600 per year. c. Here are examples of small activities that can be conducted daily.) g. daily. 113 . Seek out successful people for advice: Free advice is all around you. take personal responsibility for the difficulties encountered in your quest. you will be amazed to see how much you’ve actually accomplished. h. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. Learn something new related to your goal every month. as well as find inspiration to help you continue to achieve your goals. Meet with your mentor every other week for feedback. Stop and reflect on your life more often: When you stop and reflect on your life every month or two. weekly. b. Read a self-help book related to your goal. Contact at least one new potential employer each week. Review your written goals more regularly (hourly. (I speak much more about this in Lifemoney Lesson #6.Evaluating Progress intend to take. 3. Seek it out and you’ll find more encouragement than you’ll be able to handle. Have a weekly date with your spouse or child to improve family relations. i. 4. e.
You may have to revise your daily or weekly goals from time to time. realistically – and often. evaluate your progress thoroughly. Make a visual reminder – like the grid I use . factor it into the equation.to determine what you are able to complete on time. but that’s fine as long as you don’t abandon the journey. living. plan to re-assess your progress. Come back to your journey when your batteries are recharged. To tell the complete story. After taking action steps toward your objectives and ultimately the goal. as well as anything that remains unfinished. and then give it all you’ve got! Lifemoney Currency “Dreams are real. If you feel that you are unable to follow the timeline or stay with the quest. take a short break to renew your mind.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere.Lifemoney Lifemoney Currency “The price of greatness is responsibility. Every success story is written with dozens of action plans that were brought to fruition through focus and commitment.” 114 -Brad Turk . Do this assessment frequently. If anything has changed since you began the quest. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you.
I will invite and accept criticism that is given with a view to helping me. _____ 3. I will create a grid for recording action steps that lead to my objectives. Lifemoney Currency “Be consistently consistent. I will be quick to admit my weaknesses _____ 7. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I will make efforts to change or eliminate bad habits. _____ 4. I will reevaluate my goal. I have the names of several people I trust to give me good personal feedback. and then tally your score. I will solicit feedback from experts. I am going to regularly check my progress toward reaching my goals. _____ 6. _____ 2.” -Brad Turk 115 . _____ 8. along with my progress at regular intervals. _____ 5. _____ 9. In gathering feedback I will ask good questions.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. _____ 10. I will check the grid periodically and make any needed changes.
had to create his own destiny. 116 . Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). whose net worth is estimated to be $320 million. and we can endure much more than we think we can. knows firsthand what it means to be resourceful.Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe. Sean. We are stronger and more resourceful than we know. everyone encounters resistance along the way. you need to look for other routes or means of help.” Overview Everyone struggles to meet their goals. who was brought up in the Marcy projects in Brooklyn. This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. When things don’t go as planned. It’s how you handle the resistance that leads you to success.
which eventually shaped his destiny.” but over it. In addition to becoming the President of Def Jam Recordings. When faced with resistance he responded by finding solutions to his problems. he needed to be a businessman as well. right smack through it? As you begin your journey to reaching your goals. around it or.a very successful clothing line. with 18 Grammy nominations and 5 Grammy wins.Resourcefulness When he first started out. but the careers of many other superstars. which includes Roc-A-Fella Films and Rocawear . he also expanded the Roc-A-Fella empire. including Kanye West.” And that’s what he did! He co-founded Roc-A-Fella Records. How resourceful are you? Could you overcome adversity by thinking not just “outside the box. Other ventures of his are Armadale vodka. in some cases. “I was forced to be an artist and a CEO from the beginning. Sean was unable to get a record deal. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. He has a willingness to find any way to achieve his goals. you might be filled with 117 . which launched not only his career. under it. Being a talent was not good enough to attain his success. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. 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. the 40/40 Club in New York City. Carter line of Reebok sneakers. 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.
You’re going to need to be resourceful no matter how much you have going for you. This lesson points out some useful resources and answers for the troubles you will encounter on your journey. You may be thinking. turn on the light. The resources you’ll need to tap into can come from inside yourself or from around you. run some cold water over your hands. and I know exactly what I have to do to reach my goals. Either way. “I’ve never felt better! I have a sense of purpose. With a little bit of effort and some common sense. or mediocrity and brilliance. do surgery with a pocket knife and 118 . you can find resources that will make all the difference in your search. 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.Lifemoney confidence. then slap yourself in the face. the more likely you are to run into something unpredictable. no matter who you are or where you’re headed you need to focus on using these resources to get through the challenges you are going to face." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. Lifemoney Currency "I've found from past experiences that the tighter your plan. They might come from your creative imagination or perhaps from the lives of other people.
119 . You can always do something. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. Take the time to take stock of the situation and think on your own. He was never played out. Take stock of the situation to see what you can do. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. 2. You’ll have to learn to let your mind go in this fashion. he could always find a fix to any obstacle he faced using just what he had around him. big thinker. resourceful problem solvers are some of the most open-minded thinkers I know. The trick is to keep your mind focused on what you want. you must be the same way. if we take the time to fully analyze a problem there’s a very good chance we can figure out a solution on our own just using what we know. He was the picture of resourcefulness. and then brainstorm big. 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. Be an open-minded. even if you’re unsure of the outcome. Did you ever consult someone about a problem you were having. Relax and think: don’t let the complexity of a problem paralyze you.Resourcefulness make a computer out of duct tape. and when it comes to succeeding in your life. wild and fun solutions. expensive. Clever. These are four ways of thinking that have made me a better businessman and human being. only to be told something you already knew? Often. Take time to jot down problems for which you’re seeking solutions. Though you may not end up being MacGyver. and realize that often the reason you’re stuck is because you’re not thinking big enough.
ask over and over again. I was able to pitch my products and services to an open ear. This was a problem. but walk with eyes – and ears – wide open. At twenty-five. George. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. Be a pest. That’s how you learn. 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. Once the perception piece of the introductions was achieved. 3. When attending a high-power meeting I’d take along a good friend. Don’t be afraid to ask questions from people who know. 120 .Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. It was a big thinking. I look a lot younger than my real age. And when you come up with all those big thinking ideas – capture them. As you can see on the cover of this book. big thinking I created a great solution. I was trying to launch my business and wanted professionals and industry experts to take me seriously. who was middleaged and looked more of the part I needed to play. out-of-the-box resource idea and it worked. I have a baby face. George and I appeared to meet expectations for maturity and sophistication. however works best for you – and then review them every once in a while to see if there is one you can implement. As a team. Make sure you capture those ideas somehow – in paper. Don’t look at life with the jaded self-knowledge of an adult. over a microphone to your computer. and in a moment of wide-open. I looked nineteen. 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. Become four years old again.
Book is your favorite word. I've forgotten how to laugh at blunders… 121 . I see problems. Look for solutions in the most unlikely spots. My dear granddaughter Hannah. You want to paint. I see mess. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. I see danger. You are only two.htm. You want to climb the attic stairs. Questions are your favorite tools. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. 4. new skills. you can’t know everything. And in my experience. How many times have heard of a solution to a problem coming from a totally unexpected place? Resourceful people are always making themselves look for answers in places nobody else is looking. I struggle to learn. You find laughter in mistakes. You want to know everything.ca/athomas125/hanna. you see colors.Resourcefulness You don’t know everything. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. It was taken from the web site http://members. Here’s a thoughtful letter written to a child from her grandfather. hoping to master the computer in one easy lesson or not at all. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. I find embarrassment. You love to learn. With wild abandon you tackle new words.shaw. You see steps.
asking questions about their perspectives and ideas. 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. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. you might be given all sorts of misleading ideas. if it's not too late. Ask questions that seek out detail rather than just yes and no. Just keep going until you find the information you really want. neighbors. Sometimes you may not know where to begin the quest. Look around for success “MacGyvers” hiding in plain sight all around you. After talking to one resource person or another. When you’re listening to an answer. These could be friends. And learn to ask better questions and be a better listener. But that comes with the territory. help me to grow up and become just like Hannah. I stick with the familiar favorites. 122 .Lifemoney You are courageous. and though you dislike it. Keep Looking . and relatives who may have an idea or solution to your problem. I love you for who you are! Grandpa Dan Dear Lord. or information you can’t really use. tomorrow you will tackle cauliflower with the same exuberance. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. You walk right up to a stranger and smile.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. At lunch you boldly bite into broccoli.
You don’t even have to buy the books. spread far and wide. you should be able to find worthwhile reading. But you can go anywhere you want and talk to whoever you like. and read a recent biography of someone you admire or a book on a topic related to your goal.Resourcefulness You probably won’t find everything you need in your back yard. If not. Instead of sitting in front of the television or playing video games. technology is bringing us closer together. You can even use full sentences to pinpoint the closest data to your topic search. buy a cup of coffee. Look at the jackets and back covers for ideas about whether a book will be helpful. try different variations of the same words until you find what you are looking for. Even as there are more and more of us. There’s no better or quicker way to 123 . In a larger bookstore chain. Here are four incredible resources. often at the press of a button. All you need to do is pick a search engine (I use Google. 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. Whatever your needs or interests. ask a store associate to order materials for you. because it is the most widely used and brings up the most comprehensive information) and type in the name or topic you want to research. spend your time searching for buried answers. If you don’t find an exact match. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. That’s the beauty of the modern world. find a seat at the café. you can just read while you’re there. Don’t be afraid to use all of the resources available to you to gather more resources.
You can also get audio books. Many companies offer free webinars with noted experts in a particular field as a way to sell their products. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. San Diego. Number 4: Take a seminar There are a lot of seminars given and places to go that you can learn directly from experts in your desired field. 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.com) where they constantly have well known speakers. and Los Angeles you have the Learning Annex (learningannex. but you may learn a few things from the expert while you participate in the webinar. Toronto. You don’t have to buy the product. magazines. borrow books for free at the library. Most libraries offer this type of service for free. If your library doesn’t carry a book you want see if they can get it for you from another library. 124 . San Francisco. language CD’s or DVD’s (if your goal involves traveling abroad). and videos. In New York. Check your local area for something similar. Minneapolis.
That thrill of learning still exists inside you today. For example if you’ve challenged yourself to get a great job in New York City. Be 125 . waiting for the chance to drive you toward solving your challenges and meeting your goals. you will be able to learn from the experts in that field. Read books and look for television programs.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. One life changing piece of advice can make you thousands if not millions. or showing off your playground skills to other kids.” -The Learning Annex Promise There’s No Need To Grow Up Remember that excited feeling you had as a kid when you started school? Remember that wonderful anticipation of what you were about to learn or do? You were probably thrilled at the thought of becoming smarter and impressing Mom and Dad with good grades. It is idling in you right now. Ask the people around you what they know about New York. 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.
• 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. Those friendships can form quickly and be lasting. suggest that it be taught in the future. and provide you all kinds of problem solving resources. Check with a local community college or university branch campus for information about these classes. then ask lots of questions. • Online Special Interest Groups. volunteer at a local official’s office and see how it works. like minded people that share your intensity in life. Consider joining 126 . No matter what your interest. If they don’t have one you want. You can meet experts in your field of interest and learn things about your pursuit you never knew existed. If you’re planning to write a novel. Learning new things is virtually guaranteed. • Take a non-credit class. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. Rather than ditch your old friends. To run for civic office in a few years. Listen first. specialized courses that often cost under $100 and run over a day or several weekly classes. Often we outgrow our friends. work on building friendships with new. Most colleges – especially community colleges offer informal. Over time our interests drift and friendships change because your interests no longer match. find a writer’s group or a reader’s club. the internet provides an opportunity to meet many like minded people.
or subscribing to a mailing list of like minded folks.” -Bill Gates Goal Achievement Exercise O Take out your Workbook.this week I will seek out one interest group related to my goal 127 . List three places where you can go to find some information that will further your ability to be resourceful. Community resource center – attend evening sessions from 8 to 9 Monday. such as: 1. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s. 2. Wednesday and Friday. assign timelines in which you will visit these places. Online chat room--. Visit a local learning annex Once you have these three written down. reading blogs about topics that interest you. Consult a community resource center 2.Resourcefulness an online community. such as: 1. Join an online chat room 3.
D.” There he swept floors and kept his ear to the ground. “Already a shrewd businessman through his two paper routes. learner and observer. Before he became known as Diddy. and found resources anywhere – and everywhere – he could. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings. Combs applied to Howard University in Washington. you might as well think big. look for experts in your field. and while attending. Lifemoney Currency “If you are going to be thinking anyway. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad. If you’re planning to write a best selling novel.Lifemoney 3. Sean “Puffy” Combs worked in thankless jobs like the rest of us.. those who have already accomplished what you want to do. Uptown Records. contact authors whose writing style you like and ask them for tips on 128 . According to Answers. This is someone who will work with you to set goals and help you make plans for reaching them.C. Like Diddy.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. learning the industry from the ground up. But Combs was an avid listener.com.
libraries and the Internet are valuable. too. Look for people who can provide guidance. 129 . Go straight to those who know the ropes and can share a bit of wisdom. Look up biographies. interviews.Resourcefulness getting published. and look for readers that can tell you what they look for in this type of book. Always be prepared and don’t waste anyone’s time. and who won’t turn their backs when you need help. before you speak to them. And. videos. You could contact publishers. 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. if applicable. “What is one thing you would do differently?” Study those who are where you want to be. too. Books. Try other people or be persistent with the ones you really think are important for you to meet or talk with. You also may want to consult the local Small Business Administration or a retired executive. find out what not to do. Or look up a local leader that you might be able to interview or job shadow. and other information that might hold clues to the reasons for a person’s success. Don’t rely on your own expertise. but people are the ultimate resource. When learning from the experts. take a job as an intern like Diddy. Avoid their mistakes. don’t be surprised if some don’t return your calls. There are actually some fields like the music industry where the only path to a real job is to intern. Make sure that you research these people and their companies. If you’re a student. Learn it first then conquer it. Ask questions like. Don’t fight the system if you don’t have to.
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. List three people that you will contact for assistance. While making your list. 130 . Using the people skills that you will learn in Lifemoney Lesson #8. it is because I was standing on the shoulders of giants. Never forget to take advantage of your network of connections. think of key resource people you already know from your past and your present.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. No matter what sorts of challenges you face right now.Lifemoney Lifemoney Currency “If I have seen farther than others. intrigue these people to help you in whatever way possible. You’d be amazed how many talented people you already know that could help you along your journey.
Resourcefulness Lifemoney Currency “Remember you will not always win. Some days. Very few people succeed entirely on their own. services and know-how you need to create Lifemoney. in this case. to get the information. But there is. might be the director. reach out as often. that can put you closer to reaching your ultimate goals. It’s important to utilize every opportunity. and as far as necessary. small and large. Try to count how many names are listed at the end of the film. 131 . but stick around for the credits after his next movie. the most resourceful individual will taste defeat. Don’t limit your dreams by limiting your scope.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. always tomorrow after you have done your best to achieve success today. Stephen Spielberg. every one of those people was a resource in creating his latest masterpiece.
I will read new material that relates to the pursuit of my goals.” 132 . _____ 1. I will network with people I know to find expertise beyond my circle. _____ 5. _____ 2. and then tally your score. but who you know. _____ 6. ideas. and observations. _____ 3. Learning is the beginning of health. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. Learning is the beginning of spirituality.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with. _____ 4. _____ 8. I will keep my eyes open for a mentor. I say. I plan to read an autobiography of a famous leader who inspires me. I will take a class or seminar related to one or more of my goals. _____ 9. Searching and learning is where the miracle process all begins. _____ 10. _____ 7. I plan to visit a library. Lifemoney Currency “Some people say it’s not what you know. giving yourself 10 points for each checkmark and 0 points for any left blank. I will enthusiastically seek information like a kid.Lifemoney Lifemoney Currency “Learning is the beginning of wealth.Brad Turk . I believe learning is the beginning of wealth. school or online special interest group. find the people you need to know and introduce yourself.
They are your real wealth. Trump had no 133 . asking big and avoiding the herd mentality. objectifying your goal. These include visualization. He bought the property in 1977 when that part of New York City was in terrible shape. directly across the street from Grand Central Station. your Lifemoney. Now I want to talk to you about the one Lifemoney skill that might be the most important to anyone wishing success in life: creativity. looking at things from a different perspective.Creativity Lifemoney Lesson # 7: Creativity “Rules? Hell there are no rules! We’re trying to create something here!” -Thomas Edison Overview I have built this book around the idea that your personal qualities are like money to you. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves 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.
See yourself inspecting the houses. fax. Visualization is when you mentally create an image of yourself accomplishing the desired objective. Avoid the herd mentality. imagine yourself doing it. Picture your home office with all the things you would use in a public office—computer. Now. and telephone. You’ll work out the bugs of a process that will move you closer to your goal. For example. it’s time to shift gears and visualize it. if you want to get into real estate. 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. step by step. Notice even small things like the shoes on your feet and the color of your clothes. Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success.Lifemoney 5. copier. If you want to operate your own business instead of working for someone else. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. noticing colors of paint and the condition of the neighborhood. so keep your thoughts positive and stay focused. Your body will do what your brain focuses on. or when it becomes increasingly difficult to see yourself in the winner’s circle. this proven 138 . This isn’t fantasy or play-acting. What’s it worth to you? When you’re ready to give up on your dream. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. it becomes more tangible.
Sometimes having that physical object can help make an abstract idea seem more real. an action you take. but our brains respond better to the real thing. There is no substitute for keeping the proper image in your mind at all times. good or bad. Do you keep a special object to remind you of your roots. your accomplishments and your dreams? Some 139 . Do what you can to make a real “object” out of your goal. I have had both of these cars. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. Why? Because you will create whatever you’re visualizing. Look at your workspace. whether at home or at the office.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. Those that fail to reach their dreams are often letting their positive visualizations vanish. To date. Acquiring anything starts with imagining it constantly. Lifemoney Currency “Visualization is daydreaming with a purpose. Take responsibility to hold those images in your mind.” -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. All success starts in your mind. That is a conscious choice. 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 past. A miniature horse that fits in your palm could be the symbol of your future breeding farm. it should be something that reminds you of and keeps you motivated to achieve your dreams. This is especially important in creating objects that represent your personal goals.Lifemoney people have desks covered with trophies and some have desks covered with bills. The object for your personal goal might be something that brings to mind your dream. It also keeps her motivated and helps as a reminder of how precious life is. 140 . Queen Latifah wears a key on a chain. present or future. Chances are you have a framed photo. an award or commemorative gift. start collecting those things and placing them around you. Real objects have power. or another small. The key belonged to her late brother’s motorcycle. and how important it is to enjoy every minute. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. the one he died on. Dieters sometimes buy clothing in the size they want to be rather than what they are now. and she keeps it near her heart as a reminder of how much she misses him. Who do you think is more positively driven? Around her neck. Whatever you choose. 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. seemingly insignificant object that reminds you of something very important. If you don’t.
He buys a lot of properties. “We’re out of here. It looked like a hurricane had come through and no one bothered to clean up after. and he informed me they had been trying to sell it for over a year. the actual apartment was terrible. Although I loved the building and the area. I found out I was going to make ten million dollars for Dumb & Dumber. he explained to me that this was a great deal. I put that check in the casket with my father because it was our dream together. I looked at my friend as if to say. manages some and sells the others. When we went into the place I was very disappointed.” But David wasn’t quite ready to leave. I remember him helping me out once when I was looking for a small rental property. just before Thanksgiving 1995. His success is attributed to seeing what’s not there and being open minded about what can happen.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. He asked more questions. it seemed I got the truth out of him. my friend saw as a positive. And then. From his perspective it was good that the place 141 .Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995. I put it in my wallet and it deteriorated. that was it for me. I thought I knew something about real estate and I asked the agent how long the place had been on the market. After bothering the agent. Well. What I saw as a negative. crunched some numbers and while we were sitting down for coffee afterwards.
142 .000 co-op for $175. 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. Most people who walked in there did not see the value of the place and could not picture what the place could look like. 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. Anybody can see what’s obvious but only a few can see potential. She envied my work schedule and the fact that I could arrange my days as I saw fit.Lifemoney was a wreck and was on the market for so long. Although Liz was happy with the money she made and her success in what she did. How? We were able to get the price from $165. By shifting perspective.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. does medical billing and is the office manager for a doctor’s office. My girlfriend. David helped me to see the real value of that deal. it appeared that I would be buying a $200. After David did the math with me. Creativity Factor #4: Ask big There is huge power in learning to ask big. So try! It is a valuable lifemoney skill that can translate into big cash money. she really wanted a more flexible schedule. She is good at her job and has been with the same company for over 10 years.000 and after spending $25.000. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open.000 down to $150. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. Liz.000. You can do this in your own life.
Creativity When I encouraged her to suggest something new to her boss, like a more flexible schedule, she was positive he wouldn’t go for it. But rather than just forgetting about the idea, we sat down and actually listed some very big possibilities she could take to her boss. Specifically we asked ourselves “What might her boss go for?” We made ourselves think outside the box. This thought process alone allowed us to quickly figure out a few adjustments she could make to maintain job duties and still free up some time in her weekly schedule. Then one day at work Liz asked her boss something big. “I’ve figured out a way to work even more efficiently,” she began. “Oh, yeah?” her boss asked. “What’s that, Liz?” “If I work a day a week at home where it’s quiet, I can get more billing work done without the distraction of answering phones or coworkers’ questions. I’m sure I can work faster, which will save the company time and money. Can I do it?” Now do you think that was easy for Liz to ask her boss? No way. But she boldly asked a new and surprising question. And guess what? Liz’s boss agreed to give it a try, and now she has more flexibility in her schedule. She has a day each week for personal errands and her son and on that day she works the hours that she sees fit. Even when it seems like the odds are against you, asking bigger and bolder questions can be a huge source of inspiration and possibility for you. When I worked at MCI, through hard work and utilizing the Lifemoney lessons in this book, I became the number one salesman in the country. My problem was that I knew I preferred working from home without a boss breathing down my neck. But my boss really wanted me to work out of the office in the more standard corporate way. Rather than just giving in to this expectation, I asked myself a bigger, better and bolder question: what would the boss
Lifemoney go for? I decided that I would go to him and candidly explain my vision, how I worked best and how we could make this work for both of us. I set up an appointment with my boss and I explained how much more productive I was from home and that I had two more hours in my work day by eliminating the commute it took to get back and forth to the office. All I had to do was point to my sales results, and my “work from home” sales pitch spoke for itself. I showed that I was able to do my job the way that made sense to me and worked with my personal schedule. I wound up only going into the office a few times a month. I took a standard practice of almost all corporations of working the typical 9-5 office job and turned it into something that worked for me. An enormously big opportunity for me began by asking a big question: “What’s possible here?” Asking big is not only a creative way to think, but when you take the short step of sharing your creativity publicly; profound things will start to materialize. Get in the habit of asking big. Even if it doesn’t work, you’ll be a step closer to finding the solution that will work.
Creativity Factor #5: Avoid The Herd Mentality
There is an old saying that “if everyone is doing it, it’s probably wrong.” We are herd animals, and often where the herd is going is not original or creative in any way. Successful people are more often those who are willing to dream about going another way. It is always best to have some foresight and try to do what has not or is not being done. That’s not too say that you can’t make millions or find happiness doing things that have been successfully done in the past, but the pioneers will usually capitalize the most.
Creativity In addition, you also have to be careful not to jump into a fad or in something that has already reached its peak. The perfect example would be all of the late comers who tried to break into the real estate market – well after the bubble was set to burst. Read what Robert Kiyosaki, author of Rich Dad Poor Dad says about the stampede that took off after the real estate boom. “In 2003, every fool was getting into real estate. The checkout girl at my local supermarket handed me her newly printed real estate agent business card. The housing market became the hot topic of discussion at parties. ‘Flipping’ became the buzz word at PTA meetings. Homes became ATM machines as credit-card debtors took long-term loans to pay off short term debt.” And now the papers are filled with stories of people who followed the herd and ran off a financial cliff. Once everyone is doing what you are looking to do, it often makes your goal that much harder to attain. Again, this does not mean that it can’t be done. It just means you will have to work that much harder and smarter to get your results. You don’t always have to do things the traditional (Herd) way to get it done. If you want $5,000 to buy a speedboat, do you have to start with a basic savings account? Are there other ways you could raise that money? You could: • • • • Sell used items you no longer use -furniture/tools on Ebay. Downsize to a smaller house or less expensive car. Create shares of the boat and bring in partners Get a second, part-time job.
Lifemoney While all, some, or none of these options may work for you, the point is to try to go in the opposite direction of the herd when the herd has been going in the same direction for a while. Back to my main man Donald Trump: many people thought he was born into his millions, or that he came by his wealth easily. The opposite is true. Donald’s father, Fred Trump, had to help support his family and started a construction business in Brooklyn, New York. Donald spent a few years working out of the same office as his dad. When he eventually decided to get involved in real estate, he did so with a limited budget. Though he had very little money, the first thing he did was to become a member of an exclusive New York club. He used his membership as a way to make contacts. That’s pretty unusual and not what a herd thinker would do. Who ever thought of starting a business by joining a club? Most of us would wait until the company was established – probably even well established - before developing business relationships. Trump took an unusual route to success, and it paid off.
“You see things; and you say, ‘Why?’ But I dream things that never were; and I say, ‘Why not?’ ” -George Bernard Shaw
and invest the energy in some creative thinking about going after the things you want. 147 . _____ 4.Creativity Creativity Summary Why wait for your dreams to happen when you have more time? You will probably never get more time to chase them than you have right now. Engage your creativity now by taking stock of your situation. I seek out new perspectives to old problems. but seeing what’s not there. Take the time to evaluate your situation and try a creative approach. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. and then figure your score. Is there some way to save time or money at your job? Can you trim the household budget? How about trying out a new skill? Most people have a lot of potential that goes untapped. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 5. _____ 3. I can visualize my success through a variety of mental pictures. Don’t let yours go to waste. I have objects around me that symbolize the success I seek. Make the time. Remember that one of the most important aspects of creativity isn’t seeing what’s there. _____ 2. Lifemoney Currency “A problem is a chance for you to do your best thinking.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. I believe that if I can dream it I can do it I will try using visualization to move towards my goals.
_____ 7. I make detailed mental images of what I want. _____ 10. hasn’t been done or looks like it can’t be done. I will use creativity to help me attain my goals. _____ 9.” -Brad Turk 148 . I know when I ask boldly. great possibilities are created. I avoid the herd mentality at all costs. I keep asking bigger questions to spur my creativity. doesn’t mean you can’t do it. Lifemoney Currency “Just because something isn’t being done.Lifemoney _____ 6. _____ 8.
getting others involved will be a major key to your success. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. 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. For almost any goal you may have. 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. So learning to interface with other people is vital to realizing your goals. professional and powerful way will not only aid you in achieving your objectives. Using people skills in a competent. but it should make your life experience more rewarding as well. if people get better at these people skills. 149 .
from being a salesperson. They were men and women of different races and backgrounds. I had a salesperson who was one of the most charismatic people you could meet. hard working and considered her sales position as her own small business that she was managing. and that I could not work her harder than she would work herself. Using my Lifemoney Lesson # 8. out sick. He once told me about his only uncle. or had an excuse for something going wrong. that same uncle died again. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). I did for her what I wanted my sales manger to do for me – I stayed out of her way. He had so many excuses that he was losing track of them. I provided them the resources to work in an environment where they could thrive. She was self motivated. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. During that time. As an example. I knew she was a hard worker. I knew first hand. He was always late.Lifemoney While I was at MCI. I was managing a staff of 8 sales people who all had extremely different personalities. who he missed that had passed away about a year before. that one of the biggest problems in how they managed was that they had a uniform way of doing things. Their “House Rules” were specific to how they thought a salesperson should be. and he needed a couple of days to 150 . that we are all different and had different needs. On the other hand. that she would get the sales in. I quickly realized that to deal with people effectively you really need to understand what motivates them. Amazingly. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. I saw from past managers that I have had. I had one rep who was just like I was as a salesperson. I worked as a manager for a short period of time.
you need to know what their needs are. and at least once every day gave him a swift kick in the ass. I micromanaged him. Lifemoney Currency “Shared joy is a double joy. especially when it comes to dealing with people. and told me that he needed that treatment to get him where he wanted to go. Not only was this experience a financial success for me.People grieve. 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 . So to get the most out of people and to win them over to your cause. but it allowed me to really connect to my reps and form lasting friendships. I treated him how he needed to be treated. some I still have to this day. He later thanked me for helping him. Are you a people person? Few of us respond to every situation in perfect form. Think of a past problem you had with a specific person.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. Shared sorrow is half a sorrow. Anyway. Be as specific as you can.
” -Oprah Winfrey Turk’s 12-Step Plan for Bridge Building You can think of this section as the 12-Step plan for building relationship bridges on your road to success. Listen. everything. Step # 1: Be a Good Listener People want to be heard and understood. For relationships to be mutually valuable you must build a bridge that goes two-ways. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. of preparing yourself to deal with people rather than doing so on instinct or history. 152 .Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. even dealing with people – especially dealing with people – requires proper planning. there are lanes for incoming and offloading traffic. do not speak. Get into the habit. Conversation involves someone speaking and someone listening. When it is your turn to listen. The primary way we communicate with others is through conversation. Success doesn’t happen by accident. or rhythm. standing in the gap to close it for us. Lifemoney Currency “Every one of us gets through the tough times because somebody is there.
People To demonstrate how much people want and need to express themselves and feel understood. Yet. Keep in mind he found me so interesting and I barely said a word. Watch for opportunities to offer empathy. people like people who like them. we did not get to discuss my history. their needs and their accomplishments. Let the other person speak – while you LISTEN. Step # 2: Take an Interest in People When you listen. let them talk about their skills. When you talk to others. not just another segue to a story about yourself. He was so excited to talk about himself and his experiences that at the end of an hour. If you want to win them over. this guy not only offered me the job. You can’t learn from them if you’re talking. It turned out to be a win/win for us both. Although I knew my resume would be suitable for the position. he took an interest in me. Try and put yourself in their shoes. advice or assistance. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. 153 . At the beginning of the interview. Ask questions. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position. Smile. I asked the interviewer a few key questions about himself and what had made him successful in his career. listen with a reason. I will tell you a funny story about a job interview I once had. Be enthusiastic about what they are talking about and who they are. it seemed as if we did not even speak about me. If you really take an interest in what they are saying you might learn something. Again. Everyone’s favorite topic of discussion is themselves. at the end of our meeting. Because I took an interest in him. find out about them.
But you need to be genuinely nice. They’re getting enjoyment out of reliving an experience or sharing an insight. 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. at first. 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. If this sounds fairly one-sided. Some people are just genuinely grumpy or mean – but these people are not the majority. and telling your stories. The more you listen to others.Lifemoney Let’s say that you are a very good racquetball player. Even though you can relate to the story because of your expertise. you only aggravate yourself. Don’t take that away by changing the subject to you. Most people react in a negative way due to circumstances. 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. the more two-way they’ll become. it might be. But the funny thing about building these bridges is they work both ways. Have faith and patience that the longer these relationships last. 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. Let the person tell the story. and someone you are talking to tells you about a game of racquetball they played. Step # 3: Don’t Undermine – Understand It’s easy to criticize. Try it and see how it works. 154 . In building up conflict instead of offering genuine kindness. brag or whatever they wish. Let the other person feel important and appreciated. the more they’ll learn by example and start paying you back– by listening to YOU. you don’t have to interject your knowledge or skills.
a fancy carriage pulled up to the Scotsman’s sparse surroundings. One day.” 155 .org/i4a/pages/index.People Think back to a bad day you had recently. Farmer Fleming saved the lad from what could have been a slow and terrifying death.” said the nobleman. Maybe you weren’t feeling well. 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. Crazy things happen when you reach out to people and pay some kindnesses forward. Maybe you got up on the wrong side of the bed.cfm?pageid=102. On the way to work you get stuck in traffic due to road construction. even though you typically arrive on time. The next day. There. mired to his waist in black muck. 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. while trying to make a living for his family. he heard a cry for help coming from a nearby bog.winstonchurchill. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. screaming and struggling to free himself. “I want to repay you. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. He dropped his tools and ran to the bog. “You saved my son’s life. was a terrified boy. Then the boss yells at you for being late. His name was Fleming. and he was a poor Scottish farmer.
Lifemoney “No. and went on to become known throughout the world as the noted Sir Alexander Fleming. in time. What saved his life this time? Penicillin.” And that he did. His son’s name? Sir Winston Churchill. At that moment.” the farmer replied proudly. Years afterward. the same nobleman’s son who was saved from the bog was stricken with pneumonia. If the lad is anything like his father. and it’s a little bit insulting. I know it is because I never really made a true attempt to focus on remembering them. Farmer Fleming’s son attended the very best schools and. “Yes. I can’t accept payment for what I did. 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. 156 . the farmer’s own son came to the door of the family hovel. but I think people can tell when you don’t remember their names. he’ll no doubt grow to be a man we both will be proud of. graduated from St. This not only looks bad. “Is that your son?” The nobleman asked. Mary’s Hospital Medical School in London. The name of the nobleman? Lord Randolph Churchill. Let me provide him with the level of education my own son will enjoy. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name.” the Scottish farmer replied waving off the offer. “I’ll make you a deal.
One idea is to repeat the person’s name out loud a few times during the introduction.People I would suggest you develop a system that helps you put greater effort into this huge priority. nice meeting you. Brian. 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. Brian. How do you do that? Ever hear the term WIIFM? It’s “What’s In It For Me!” Most likely your best bet in getting help from someone is to show them what they are going to get in return! I think about this all the time when I’m trying to influence people to help me. Let’s talk about that sometime. the intangible benefits of having their name 157 . Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you.” You get the idea. But if they look like they’re very tired and sad. Let’s say for example that I need help with financing a business deal that’s important to me. “Nice to meet you. If their name is “Brad” and they look like Brad Pitt. but I will stress what’s in it for them: a great rate of return. “glad Brad. For instance. the value of the proposed deal. it’s easy. These little tricks work amazingly well and are well worth the time it takes to practice them. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. you might think “sad Brad” or if they look happy. Where do you work? Is that right? Sounds interesting. they will be interested in helping you in exchange. Again.” Another popular technique is to associate their name with something visually unusual.
I’m always thinking “what do they want. a case of beer or concert tickets. and how can I give it to them?” I am not saying you can’t get help any other way. but the level of intensity – time. they would have behaved differently. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. stupid and embarrassed. how 158 . The winner of an argument in real life is often the loser in the relationship. 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. All you will do is make the other person feel bad. If a friend is remodeling a kitchen. too. 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. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. …you get the idea. energy and commitment – will be that much greater if you provide people with something they want. when they did help.Lifemoney associated with the project. a coworker or a friend. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. whether a free meal. That only happens in courts in front of judges. inferior. 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. Remember that getting the support you want depends in part on providing others with what they need. the fun we can have together as a team. offer to help.
don’t tell. Show. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. Don’t brag. people argue because they are hurt. 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. Think about someone in your past that pushed unwanted advice on you. Disagreements on the other hand can be powerful sources of new information and a chance to grow. 159 . Arguments. Often. and even then be careful. Keep in mind that everyone is born equal and deserves to be treated that way. do nothing but harm. Relax. Don’t act rashly or lash out. aggressive individuals that think they know it all. Wait for your opinion to be asked before shoving it at someone. no one is impressed. Step # 8: Think Before You Speak In any discussion. upset or just want to communicate with someone they care about. Speak from a calm center. even if it’s negative communication.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. particularly defensive and mean ones. Don’t speak out of anger. Let others mention your accomplishments before you do. Always try to look inward to the core issue. Don’t give advice unless it is requested. be self-controlled. Think your words through. be it personal or professional. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. I make a big distinction between arguing and disagreeing.
Take courtesy even further. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. Don’t cry or whine over any of this. This may seem like a small thing. but we all have problems. but received no sense of appreciation. 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. even after working hours of unpaid overtime. To get along in this world without becoming an irritating whiner. Shake hands firmly and introduce yourself when around new people. Look people in the eye and give them respect when you speak to them. Some of those mistakes will be at your expense. Everyone makes mistakes and will disappoint you at some point. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. lower your expectations of others and increase them for yourself. You would be surprised how far all of this will take you in building relationships. Just remain calm and don’t shoot your mouth 160 . but he never called or wrote to say thanks. but it’s extremely important. It’s not that your problems are unimportant. Step # 10: No Whining Allowed No one likes a whiner. From time to time you may even take the blame for something that isn’t your fault. 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. Always say please when asking for something. It makes a deep and lasting impression that money can’t buy.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. Or you might have helped a coworker with a difficult project. 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.
When people know you are dependable. Your word means everything. but this true story illustrates how sensitive some people are to lateness. As I mentioned. 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. 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. 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. If you can’t be trusted on one issue. Also. more opportunities will be sent your way. time is their most valuable asset.People off and burn bridges. especially in business. being late is a sign of disrespect for someone else’s time. 161 . to a successful person. I had an appointment with someone and I showed up 15 minutes late. I know this is extreme and there are times when being late can’t be avoided. chances are your credibility will be shot for all that you do. The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault.
politely let them that you will get in touch when you have time. My uncle once told me that life is like a bus: you get on the bus with thoughts of going somewhere but you always have the opportunity of getting off. They might be an older brother who sets a bad example with his drug use or gang activity. don’t be afraid to cut ties totally. like fishing or playing cards. or that costs you plenty when it does get a running start. It’s not that you can never enjoy recreational time. They may be hardheaded bosses who refuse to think out of the box. If it’s someone who is really just negative and brings you down. It could be a friend who is always cooking up a crazy idea that never gets out of the starting gate. Problem people often hide in plain sight. or who tell you to give up because you have more important things to do. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return. If you don’t like 162 . You probably already know who some of these “avoidable” people are. They can be so-called “pals” who don’t believe in you.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. while your reputation is merely what others think you are. To get rid of the people who will hold you back. put you down or turn you off.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. but you have to put first things first if you ever plan to reach your goals. because your character is what you really are.
They might be a good friend who listens while you describe the goal you want to reach. quite literally. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. A motivator can be anyone who trusts you to follow your dreams. And the more you hunt for them the more they will be attracted to you. seek them out. In fact. for every troublemaker you tell to hit the road – or get off your bus – make sure to pick up a motivator or two as a replacement. it’s simply a move in a new direction. Either way.People where the bus is going or you changed your mind in the direction you want to take – get off. as well as your plan for getting there. cling to them. the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. Find a new bus or another means to get there. or they may be a total stranger. if they’re far away. It’s not quitting if you’re the one doing the choosing. It might be a mentor who leads by example or. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. 163 . you must also make room in your life for the motivators. Just as you must get rid of the people who will drag you down. If they’re nearby. Either way you’ll know these motivators because you’ll feel an instant attraction to them. They’re a little harder to find. make sure that you’re always riding the right bus for you.
This is the best way I know of to master this list. Lifemoney Currency “One skill you act on is better than 12 that you don’t. Don’t move off to try another one until you’ve seen results with the first one.Lifemoney Lifemoney Currency “Get around the right people. keep using it until you don’t think about using it anymore because it’s so natural. I try and use each one of these on a daily basis and have come to rely on my people skills to make many good things happen. In fact. Associate with positive. goal-oriented people who encourage and inspire you. Then magic happens.” -Brad Turk 164 .” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson. What’s the best way to learn them? Choose any one of these and use it today.
and then tally your score. Lifemoney Currency “Find people to make up for your lack of know-how and. I try to stay calm and avoid arguments.People Millionaire’s Checklist: Check all the items below that you agree with. I am taking an active interest in people _____ 3. I always remember the “what’s in it for me” rule. I keep to my word. _____ 10.” -Brad Turk 165 . and I often make efforts to give without expectation of receiving anything _____ 4. I make efforts to express appreciation and good manners to others. I understand the value of tolerance when dealing with difficult people. _____ 2. I have a good sense of which people to pursue and which to avoid. I am learning to be a good listener. _____ 8. _____ 6. you WILL know-how. _____ 9. A huge part of receiving is giving. _____ 7. eventually. _____ 5. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I don’t whine. although I can politely disagree.
Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones. you'll start having positive results.” -Willie Nelson Overview Someone once said. whether you believe you will or you won’t – you’re probably right. What you believe you’re going to get in life is pretty much what you’re going to get. Where’s Your Head At? Which of these statements sounds most like something you’d say to yourself: I am going to reach my goals and fulfill my dreams! or I am going to try to reach my goals but it’s going to be hard because… 166 . a well maintained attitude and a “no excuses” outlook. This talks about some of the things I’ve found useful in creating a positive mind. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction.
From the outside looking in. her money. or the fame of her dad but everyone in school wanted to be near her. When I finally had the chance to meet her personally. I saw her complaining everyday about what I thought were very trivial things. If you focus on the negative. if you focus on the positive. The Multi-Millionaire Blues A good example of how attitude. it appeared she had everything that a person could want. you create road blocks that stop you from achieving your goals. I don’t know if it was her beauty. believe that it can happen and know that you have what it takes to make it happen. On the contrary. 167 . you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. He was both successful in his field and wealthy.Positively Thinking Do you believe you can reach your goals. I was amazed to see how miserable she was. Her father had been an executive producer of some very well known films. I figured she would have far fewer worries than other people! In getting to know her. It appeared that everything annoyed her and she was never happy. I 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. and whichever direction you take in your mind will probably dictate your destiny. As a general statement positive thinking plays a powerful role in helping us achieve what we set out to do. happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. or do you think that it probably won’t happen for you? This question is like a fork in the road. You just have to know that you’re heading in the right direction.
Though you have no control over the actions of others. 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. focus on what you can do. 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. Maybe you come from a family with many losers and too few winners. You might feel as though you are destined to continue the long line of defeat. It’s not what you have but how you perceive things that really counts. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. “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 do have complete control over what you choose to think. 168 . and say. They complain about all the ways in which other people or circumstances are standing in their way. I heard a few years later that she had attempted suicide. 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.Lifemoney I stayed away from her negativity and did not associate too much with her. So don’t worry about what you can’t do. do. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. what you attract into your life and your ultimate success.
Change the channel and play the role starting now.Positively Thinking Practice turning negatives into positives. In America.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. I want you to understand that you’re holding the remote in your hand to switch to that channel. 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.” Your mind is yours. If you feel yourself beginning to argue with me. It starts in your head with your mental remote and plays out in reality. Lifemoney Currency “Just can’t live that negative way…make way for the positive day. so use it positively. you better change your mental channel. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. You have even more desire to do better than others may have. If you catch yourself repeating the complaints above. You dream 169 . If you grew up wealthy – good. I was able to become wealthy. You have the resources others don’t have. there is nothing stopping you from becoming all that you dream of becoming. 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. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. STOP! Forget the excuses! If you grew up poor – good.
you implement your plan. It was the mental focus on all that he did that made him the best in his field. The mind rules over every part of the body. This attitude and confidence spread and led everyone else to believe the same. 170 . that had to be coupled with hard work and long hours in the gym. Get your mind on the right channel and the body will do its part to follow the plan. He visualized it. List five failures that caused setbacks in your life. you work hard to get it. Failing does not make you a failure if you let it teach you lessons. but he said that all the intense effort and workouts did not give him the extra edge that he needed. Obviously. you have a smart plan. write down a lesson you learned from this failure. This is the way you turn negative experiences into a positive ones. took it on as his personal goal. Goal Achievement Exercise T Take out your Workbook.Lifemoney it. and owned the feeling of a champion. and guess what? It’s yours. Arnold Schwarzenegger went into every competition thinking he was the winner. Do it and watch how your outlook brightens. Failure can be a very positive experience if you dig through it to find a good lesson. and explain how you will avoid one of those failures in the future. Also. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself.
If you want a piece of the action. a Donald Trump in real estate or a Jay-Z in the studio. Negative people complain about things and positive people fix things. It usually doesn’t happen overnight. Looking back have you been a complainer or a fixer? If you had it to do over. They have a mental certainty that what they’re doing will lead them right to where they want to be. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 . Rather they give years of their lives charting a positive course and expecting greatness. Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by. -Thomas Edison Don’t Complain . but it does happen.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. would you handle things differently? If so.Positively Thinking Lifemoney Currency “Many of life’s failures are people who did not realize how close they were to success when they gave up”. But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking. how can you use that knowledge to help you in the future? People don’t just fall into piles of money or get yanked into auditoriums to receive awards. Which have you been? Be honest with yourself. Understand that a positive mindset happens first.
Positive thinkers are always focusing on ways to positively impact their world.Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. If you want people’s attention. and a role model. Is stress holding you back? Stress is often closely linked with a negative mental attitude. Why? Negative thinkers typically think that they’re stuck and will be miserable forever. 172 . get it in positive ways by becoming an encourager. Instead of whining about what you don’t have. especially if it was a thought that stopped you. People are much more likely to admire and support you if you adopt this mindset in your everyday life. start looking for what you can get. The solution is to stop complaining and fix your attitude. that a former teacher encouraged because you secretly had no confidence in your ability. These are all signs of a distressed and negative mindset. but we can control our responses to them and the actions we take as a result. Begin positive. an inspiration. and never feel played out. Begin using positive thinking to search for new ways to impact your life. The same is true about anxiety. like drawing. and get frustrated. How do you do that? You’ve heard me say that we cannot always control the events in our lives. but you didn’t go? Perhaps you thought “I’m too old” or “I don’t have the time right now”? Maybe you failed to follow up on a special talent or skill. stay open and be ready to jump into action. did a previous employer offer to pay the tuition for you to return to school. Make a mental note not to miss these kinds of opportunities again.
make a new list of potential opportunities for the future. Include options like going back to school. developing new skills. anyone can start from now and make a brand new ending. Lifemoney Currency “Attitude is a little thing that makes a big difference. These could include lost academic.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. overcoming a bad habit.” -Anonymous Goal Achievement Exercise U Take out your Workbook. cultivating new relationships (or restoring old ones). When you’ve completed this list. This list is very important in your Lifemoney process because it points out potential areas of negative thinking you’ve engaged in and will need to steer clear of in the future. or relationship opportunities.” -Winston Churchill 173 . employment. That’s a great first step in positive thinking. Make a list of opportunities from the past that were missed due to negative thinking. Make the list with a new sense of optimism and hopefulness.
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. Some famous examples include Beethoven. who minus sight and hearing became a model of inspiration to others. broadcaster 174 .” -Lou Holtz. 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. Helen Keller. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. football coach. whose deafness did not stop him from composing classic musical compositions. I never had a crisis that didn’t make me stronger. 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. or at least their little piece of it. Positive thinking sets them on a course for achievement. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives.
Lifemoney Currency “The only disability in life is a bad attitude” -Scott Hamilton Keep It Moving Unlike a great speech where you get immediate feedback.Positively Thinking Worst Case . so what? Who cares? Besides. So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. Then take on life without apology or embarrassment. Instead think in terms of best case/worst case. What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. And if they did laugh.Best Case Try this experiment to create more positive thinking. Most people don’t remember what even great speakers say! Besides. Think about something that you are afraid to do because you think you might fail. who is going to think twice about your errors after they arrive home that night? It would never happen. so you’re already way ahead of them. You may submit a proposal and wait months before 175 . 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. Don’t be intimidated by life situations like this. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. many of our efforts don’t bring immediate results. most people in your audience would rather die than speak.
lack of feedback can lead to negative thinking. This relationship is going nowhere. why not be positive. Stay positive by remembering that lesser. Unless you’re prepared to wait. Think of it this way: you’re going to have to spend the day in some way. 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. She’s probably like all the others. 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. 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. Without those first small steps there could be no end result worth noting.Lifemoney getting a reply. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. 176 . It’s time for a change. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. The way to get over them is to keep it moving until something positive does happen. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. Everyone faces down times. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. 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.
trying to get into graduate school.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. going back to college at 40. or climbing to the top of your profession may seem unachievable at first. especially if others are telling you it won’t happen. Create a Repeatable Success Thought When you set your sights on a distant goal. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. I’m going to call her and plan something exciting. Are they entirely accurate – or just knee-jerk reactions to momentary troubles? It might simply be that the relationship is too new for either person to know where it’s headed. it may seem unreachable at first. But that is the time to push the envelope to reach your dream. Really look carefully at these statements for a moment. 177 . Or maybe the girl has a habit that reminds you of someone you used to date. For example. They rob you of positive energy and momentum. the faster your mind will change into a direction that goes forward. We ought to try a little longer in case this turns out to be something good. The idea is to simply stop thinking negatively and to find something good to say “yes” to. The key is to quickly counter the negative talk the instant you recognize it.
Make your success thought as specific as possible. “I plan to stop spending too much money and will close all my extra credit card accounts and only carry cash when I go shopping. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. and repeat it often. Don’t write long sentences or anything that is too short or vague. I will speak up at today’s meeting. To avoid negative self-talk and track negative thoughts.” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence. Goal Achievement Exercise V Take out your Workbook. Be specific and limited. “I’ll stop spending. I will take my wife to Hawaii next year. The more you say it. I call these “success thoughts.” (Too long and detailed) 2. the sooner you will believe it.” (Too short and vague) 178 . I do not need second helpings. write down positively phrased replacement terms you can use as success thoughts. Nothing can block my success.
but the important thing is to think positive. 179 . specific and helpful) 2. detailed and valuable) Use your imagination to come up with more positive statements like these.” (Positive.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. “I’ll use just one credit card. “I won’t charge more than $50 weekly. 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.Positively Thinking These thoughts are both non-specific and vague – You’ll stop spending for how long? Forever? Neither of these statements will be particularly helpful in the real world. pre-recorded message that reminds you to stay on track. After a few weeks. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. Instead. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1.” (Positive. Lifemoney Currency “Anything is possible. When you fall down. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance. such as. update the success thought for a related goal. but you have to think positive. Everyone makes mistakes. “I’ll pay my balance each month. and you have to fight.
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. Although others may have held you back at one time or another or you may have to seek help to reach your goal. Think about the things that are positive in your life.” 180 . You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains.Lifemoney Don’t let past failures hold you back. remember that you are responsible for how your life turns out. Don’t let anything keep you from getting it. Keep focused on what you want.
_____ 8. I can see how past accomplishments have prepared me for the future. I view the glass as half full. I will continue viewing myself as a winner. giving yourself 10 points for each checkmark and 0 points for any left blank. to fix my situation. I will act as if I’m in the role I want to play. _____ 9.Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. I repeat success thoughts to myself as often as possible. _____ 1. some view the glass as half full. _____ 6. _____ 3. proactive thinking. _____ 5. I am learning to manage personal and job-related stress by positive. with the waiter on his way over to fill it up. I am watching for opportunities to say yes to. Lifemoney Currency “Some view the glass as half empty. I refuse to hold on to negativity and past misbehaviors. but rather. _____ 10. _____ 4. _____ 7.” -Brad Turk 181 . I am making consistent efforts not to complain. not a loser. _____ 2. and then tally your score. I will not let others’ pessimism interfere with my plans to reach my goals. I keep moving ahead even though I’m not getting immediately rewarded.
182 . I had surgery 14 times to pin and plate. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. We want it all.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. Successful people know that dreams don’t come pre-packaged overnight. We want it now. They say I have broken every bone in my body. But I have broken 35 bones.” -Evel Knievel Overview Few of us do well with sacrifice. I forget all of the things that have broke. it turns denying yourself into investing in yourself. When you recognize that sacrifice is frequently a part of success. Not true. If we could find a way we’d have it yesterday. I shattered my pelvis. it just doesn’t come naturally.
grateful for the opportunity to have all the work they can handle. sleeping just a few hours a day. Was the sacrifice worth it? You’d need to ask him. Why? Because they work hard. I will tell you right off the bat that I wouldn’t be. off the ground he did just that. but I can tell you that Spike would probably say yes.000 in sales. would you? 183 .000 in domestic box office sales. It cost him $175. But if that was the only way. Some work two and three shifts for years at a time. They are simply unwilling to sacrifice anything to get where they want to go. Within a generation. It’s a real risky strategy but sometimes when you believe in something strongly enough. Yet. to get his first film project. Many immigrants come to this country with nothing but the shirt on their backs. you have to make those kinds of sacrifices. She’s Gotta Have It. there are people who were born in this country who complain about the lack of jobs. Since then Spike Lee has produced at least 22 other films that have made over $433. This much I can tell you. They lay everything they have on the line.000. Ask filmmaker Spike Lee. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants.big time! Big or small. saving every penny to open a restaurant. store or business. Go into Debt and Max Out Your Credit Cards Are you willing to max out your credit cards and assume massive debt to get where you want to go? Before I go any further.000 to make the movie and it grossed $7.100. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying. rigorous job to get where they want to go. sacrifice is often a part of any success story.Sacrifice Borrow. Spike Lee knows that sacrifice can pay off . In 1986. some become millionaires.
Lifemoney Currency “Judge your success by what you had to give up to get it. He had to sacrifice his nights and his only free time in order to get where he wanted to go. There were no shortcuts to success. to reach out and grab your future? • Just how far are you willing to go? It’s vital to answer these questions and know these things about yourself. took a job as an insurance salesperson straight out of college. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. at almost any cost. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. Pulitzer Prize winning political cartoonist. 184 . Ask yourself the following questions: • • • • What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes.” -Dali Lama Sacrificing for Success Mike Luckovich.
Sacrifice Martin Luther King.. Goal Achievement Exercise W Take out your Workbook. and/or enjoy that you are willing to part with in exchange for your goal. He could have taken the easy route to avoid jail time. and giving up your weekly poker game to play tennis. have. Ideals are not cheap. What do you have in your life now that is expendable. or he might have gotten discouraged and given up. However. improving the lives of millions of people. But he stuck with it. $100 per month for a gym membership. 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.. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. your sacrifices could include six hours of your time each week for daily workouts. if becoming more physically fit is one of your goals. etc. or is your goal just a casual want? Only you know. For example. Jr. spent months in prison rather than surrender his belief in equal rights for all people. You have to be willing to do whatever it takes to claim them. Choose one of your goals and write it out. They are costly and precious. I am committed to helping you get where you want to go. 185 . Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. and you will have to be ready to give it when the time comes. and I can’t make up your mind for you. list three things you now do. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return. Below the goal you just wrote. List the tradeoffs you are willing to make to reach one of your goals.
But after years of careful thought and unwavering perseverance. 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.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. When you get enough. Whether it costs $20 or $200. Which one do you think 186 . Success has value because you have to work for it – you earn it. presenting it to your friend or loved one with a sense of tremendous accomplishment. they will mean the world to you because of what it cost to reach them. you proudly go out and purchase the gift. when you do reach your goals. You can view your goals in the same way. you eagerly add a few dollars here and there to save up the needed amount.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. If you could just reach out and get them today. They’re both chasing the same dream: business success. 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. One is given everything by rich parents who buy her everything she needs and most things she wants. Imagine a scenario of two young women. But as we’ve seen that’s not always the case. there would be no effort or cost attached—and they would mean very little.
you have already begun to outline some of the goals you hope to reach and have created a plan to get there. Develop a needed skill through a second job. Find the non-essential time-eaters in my life and eliminate them. 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. volunteering. You’ve probably heard the saying. “anything worth having is worth working for. Why does she appreciate it more? It’s common sense that when you pour out your own blood. Get feedback from those who already have accomplished similar goals. etc. 187 . Period. Invest a certain amount of income toward reaching my goal(s). or run into problems.Sacrifice appreciates the success more? You know the answer. at least temporarily. write a book. Are you ready to figure out what it will cost in time. money. But no plan is complete without counting the cost of reaching your objectives. Put less important things on hold. 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. That cost is part of the joy of success.” Do you feel that way about your road to success. In planning for your future. have a question.). • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. or taking a class. sweat and tears for something you’ll own it in a way that nobody else can appreciate. Seek help when I get stumped.
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. too.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. 188 . Underachievers live for the day and overachievers live for the future. If you spend all you have. there will be nothing left. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. you will have enough for today and tomorrow.” -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. It’s a simple fact of life. but less than twenty percent of the population do so. The wealthy will have enough from current savings and investment plans. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. But if you save and invest it.
etc. Let’s build your ability to delay gratification. Often we don’t find out about a medical test result for several weeks. This might challenge you and be a little difficult. All of these things take patience. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. eat some ice cream. Then underneath each item you expect to give yourself today. many areas of our lives undergo postponement. For example most of us don’t get paid for our work at the end of each day. Make sure that those things on your list are things you really want to do. list something you will get done before you have your fun. every other week. almost any achievement in the world will become immediately more achievable. 189 . Instead. When you think about it. go shopping. List one or two tasks you will have to complete before you get your reward. play tennis.Sacrifice Delaying gratification is something you get used to. Goal Achievement Exercise X Take out your Workbook. Do this exercise well and discover how much more you get done and how much better you feel. In other words we’re doing it anyway. or at the end of the month. List two or three fun things you want to do today. watch your favorite television program. It might be go for a walk. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. When you have successfully conquered the need for instant gratification. which in the end brings it own kind of reward. we collect paychecks every week.
and social activities. We barely have enough time to get through a typical day with the demands of work. making community contacts. say $25 per month. especially if you begin with a reasonable amount. But actually. setting aside time for future rewards is like making deposits in a savings account. But you won’t know that until you pull the trigger and get moving. Start small. Most of us lead busy lives. pulling the trigger and going for it. then I can expect halfhearted results. and it may seem difficult at first to find enough extra income to make regular deposits. Many goals that seem hard at first become easier once you get momentum established. Depending on what you hope to achieve someday. I don’t do things half-heartedly.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. so you will never miss the amount of each savings account deposit. Finding time to work on long-range goals may seem impractical. this could involve reading. But with a little effort. Devote fifteen to thirty minutes several days a week to your goals. So do it. You may be reluctant to open a bank account. the results will come. Because I know if I do. doing 190 . family. The same is true for working toward your future goals. you can arrange for a direct deposit straight from your paycheck. Just do it.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work.
you will be rewarded. if you want to get involved in local government. this means you’ll have to give up something in exchange for this valuable daily time. 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. from the inside out. keep in mind that you may have to work through several levels of effort to reach them. Sometimes it seems unfair. You put in 191 . 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.’ but he didn’t know which half.Sacrifice volunteer service. Life is a bit like that. Whatever it is you must give up. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. And keep pulling the trigger at each “next” level of achievement you’re taking. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. so pull the trigger now and get your show rolling. or volunteer as an aide to learn the ropes. Everyone has to pay their dues as they work. that if you can’t tell which half. Remember that one of the keys to success is to learn everything about the role you want to play. fully aware that not all of it will produce rewards. Pull the trigger already. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. None of those tasks took a long time – but each one was a step toward realizing a goal. Whatever your goal. Naturally. For example. do it. But if you keep pulling the action and sacrifice trigger. His point was. then you have to keep on doing the whole lot. you may need to first attend some political rallies. visit with your representative. of course.
and which aren’t. This is the shadowland of hope. 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.Lifemoney loads of effort and get nothing back.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure. you have to keep doing the 100% because you don’t know which bits will pay off. Well. It’s a simple lesson that has never failed to produce great results for me. I know it isn’t fair. and others cruise it.” This quote summarizes a great lesson I’ve learned throughout my successes. It reads: 192 . Your efforts will be rewarded eventually. You work up a sweat. The lesson is that you must continually give 100% effort in the direction of your dreams. and anyone with a dream must learn to live there. You’re polite to people and everyone seems rude back. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. engraved there to inspire the youth of that school. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work. but then life isn’t.or for what -.
It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. asks the scared and unsure Ness “What are you prepared to do?” It was a question of challenge in the face of great fear and intimidation. the whole process of success becomes easier. In the movie.” The emphasis is on the preparation. having been mortally shot. Sacrifice is sort of the dirty word of success. an Irish cop played by Sean Connery. 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. but they rarely do. It’s not nearly as bad as you might think. Those people just don’t exist. and then force ourselves to work hard for them. we have to figure out which ones we want most. 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. Instead. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. Good things don’t just happen to us. But show me someone who has achieved their dream without it. One of my favorite movies is The Untouchables. if you build your Lifemoney. then he dies.Sacrifice “I will study and get ready. one of Ness’s fellow agents. At the climax of the movie. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. the work doesn’t seem like work. The good news is that if you’re in love with your dreams and want them so badly you can taste them. and someday my chance may come. In addition. What are you prepared to do? 193 . Are you prepared to follow this through. Maybe they should. Nobody wants to hear about effort and work and sweat.
focus on “what am I going to get in return?” Investments of time or money are long-term deals. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in. But if you keep putting in the effort. But don’t dwell on the negative aspects of “what do I have to give up?” Instead. Keep your eye on the prize and focus on what you’re going to get in return.” -Wayne Gretzky 194 . Be prepared to give up more of what you have to get more of what you want. the payoff will eventually be seen. No one likes to sit around wondering what he or she has to give up as an investment in a dream.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. to reach out and grab your future? Don’t spend the rest of your life wondering what might have been. In the end. at almost any cost. Most do not pay off immediately. and some require harder work than others. Only you can decide what you are willing to give up in reaching your goals. sacrifice pays off. 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.
_____ 7. ____ 10. I will put forth 100% effort at all times. I am pulling the trigger on my talent today. _____ 6. _____ 8. I am willing to pay the cost that is required for me to meet my goals. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 3. _____ 4. _____ 5. _____ 2. I am willing to set aside less important activities to focus on my goal. I have calculated my goals’ financial costs and scheduling adjustments. I am prepared for life. I believe that planning for the future is as important as getting by today.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. and then tally your score. I have identified several things in my life that I must sacrifice for success. _____ 9. _____ 1. I am learning to delay my gratification for both the present and the future. Some of my goals will require that I hang tough.
Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. not the destination. tension or frustration. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. Yet our lessons come from the journey. By patience.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. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results. I mean the ability to sit back and relax while waiting for an outcome.” -Don Williams. It is the ability to let go of the need for immediate gratification. 196 . J Overview Having patience is a key ingredient to successful living. without experiencing anxiety.
Enjoy the journey 2) I will never get to all the things I have to do. This is one of my personal flaws that I am working on. There are many negative consequences on health. 3) I can’t stop for even a second until I reach my goal.this task has two many steps. It’s as if patience is a simple building block of satisfaction. 5) If something doesn’t work immediately. I have to be honest with you: I happen to be a very impatient person. without which you are going to suffer. you need to be patient and wait for your results. unhappiness and sometimes even anger. This can further result in losing important things like business relationships. But I am careful to differentiate urgency. Gradual change and growth give you the greatest chances for success. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say. I’m going to move on to something else. How do I differentiate the two? A sense of urgency is a good and powerful 197 . 6) I just don’t know where to start . which can be very destructive. jobs and friendships. 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. you run the risk of anxiety. which is a powerful force that gets things done. When you force efforts. relationships and personal growth when you lack patience. 4) I hate having to do or say something more than once. the results just won’t last long. from impatience. When you stress yourself to create results too quickly.
For example when I take on tasks that are really time consuming (this book for example). This is a struggle for me as it might be for you. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. But when urgency is applied to things I can’t change. urgency turns damaging and can lead to senseless and sometimes destructive impatience. And this is probably true for you too. I can’t control those timeframes. 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. Mexico. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. If I’m not careful this can create impatience in me. I told 198 .Lifemoney tool. and don’t let the things I can’t control stress me out. I need to clear it from my mind. If I can’t change or alter a situation. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. It’s a quality that helps me act quickly and get an enormous amount done. I have an unrealistic expectation of speed. I’d brought on an investor to put up the money for the deal. There is no way a sense of urgency can create the satisfaction of writing a best seller (let’s hope this will be) instantly because of the timeframes involved in the task. It seemed as if I had finally worked out all of the points (including the pricing) and that all that was to go to Mexico and sign contracts. Based on where I was in the process and the faith that I had in my contacts in Mexico.
So there I stood in Mexico. Based on the trust that I had built with the investor on past dealings. I immediately extended my trip from 2 days to a full week.000 that was needed to get this project going. I wanted this deal done. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . 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. There was so much I had no control over.600. he decided to partner with me and put up the $1.6 million already invested in the equipment needed for this project. and then I left the meeting. $1. regroup and come up with a game plan. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. When I sat down in my meeting and went over the paperwork that they had prepared. I picked up my things and told the company I was meeting with that I would look over their new terms.6 million dollars. I flew down to Mexico for my big meeting and to sign paperwork. a partner who trusted me enough to put up that $1. What was I going to do now? Go home with no deal and give up? How could I tell my investor what happened? Was I going to start from scratch after all this work in putting together this deal? What I did was relax. 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.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. and patience was number one. me not speaking a word of Spanish (or only enough to order dinner and maybe get directed to a bathroom) and no deal on the table. Outraged by what transpired.
• Stay busy. reevaluate your objectives and make your goals more realistic for your needs. I wound up getting an even better deal than I would have initially. Do something fun and celebrate your incremental success. I would have never completed this deal that wound up being a very successful project for me. If I did not have the patience to stick this out. Focus on the results and not the task. 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. 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. 200 . I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. Look at the things you have accomplished to date.Lifemoney had met with. • Reward yourself for completing something difficult. Why? Because I was patient and focused on controlling what I could control. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. If your goals don’t seem to be on track. If you understand that success is a journey you will begin to enjoy each moment and will realize that being impatient is counterproductive and takes away from the joy of life.
I’ll 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. I find something to make me realize that it’s not as bad as I think it is. Don’t take time for granted and let your life pass you by.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. Who said life has to be hard? It is only tough if you make it tough. If you do. Think of all the fun and excitement you will miss if you don’t savor every moment. You need to live today like it was your last day and plan for tomorrow as if you were living forever. Remember when you were a kid and you wished you were older? How many of you wish you were younger again? We always wish for what we don’t have and don’t appreciate what is right in front of us. you will wake up and have missed out on what life really has to offer. You need to start enjoying a little everyday. Are your problems really as serious as you think they are? I think about my problem and imagine how it will affect me 5 years from now. before you know it. When I am having a bad day. 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. In 5 years looking back at the issue. I open the window or take a walk outside and enjoy it. The 5 Year Test Another very effective technique I use is the 5 Year Test. Chances are you will look 201 . For example. I’ll realize today is beautiful and I should appreciate my health. We need to count our blessings and enjoy what we do have and make the most of every day.
Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. 202 . Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. or listening to good music should be enough to keep us going and to get us over daily disappointments. spending time with friends or family. A good meal. A death in the family is terrible and needs grieving. List 2 problems that you have had in the past. Don’t let one day pass you by without appreciating something that you may never have or see again. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. You will remember that in 5 years.” Do you remember your first break up? No matter how sad you were at the time. Getting fired from a job? That may be a blessing in disguise. Time moves faster than we all want to believe. it probably has no bearing on your life now at all. they seem unimportant. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. that when you look back on. a joke. so we need to make the most out of our time. Now. list 2 problems that you are presently facing and put them through the 5 year test. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time.
Enjoy the journey In the best-selling book. talking with people. author Mitch Albom visited a former professor. And going home and having a wonderful sleep. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. dancing. friends over for lunch. lying there." he is asked. Albom asked Morrie a question: "What if you had one day perfectly healthy . "That’s it. Morrie.. 203 . "That’s it. at the end of the day what is truly important may be the simple. "It was so simple.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea. going out to a restaurant for supper. So average.175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals. In a chapter entitled We Talk About The Perfect Day. unnoticed things we do all the time.. Tuesdays With Morrie. 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. a swim." Morrie replies. Don’t overlook the obvious in your quest for the brilliant. I was actually a little disappointed.how could he find perfection in such an average day?" Then I realized this was the whole point" (p. After all these months. unable to move a leg or a foot . a walk in the midst of nature.
Think about a handicapped person who was born with a disability yet despite their struggles are making three times more money than you are because they are working smarter and harder. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. I think people are 204 . Don’t make excuses find solutions and make it happen. 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. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. The people who succeed find reasons why they can do something.” -Brad Turk Appreciate what you have and don’t complain and make excuses. Some people complain about going to work when they work in beautiful air conditioned offices. it won’t feel like work. there is always someone with less doing more than you. I know successful people who are making it big in things they don’t care about.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else. In other words. better yet. the people who fail find excuses for why they can’t. But I do agree that passion helps. In the process appreciate what you have and enjoy it. Think about the person who is working outside in the heat.
and create some financial success that can free you. writing one manuscript after another and firing them off to the publishers in hopes of being accepted. You can do that. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. If you can’t stand doing what you’re doing. He hardly noticed the leaves turning colors outside his small window. see your job as your vehicle to get you someplace else. 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. My suggestion is that if you have a good job for which you don’t feel a lot of passion. Try to create an external world outside of your business that enables you to have fun. Day after day. be stimulated and enjoy life…. But whatever you do. Then one day he 205 . Sometimes the ends do justify the means. 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. he locked himself into his attic office and plugged away.” At least that’s the way I am. 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. 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. There is a story about a young man who wanted to become a famous writer. then look hard to find something you’re passionate about and consider a career change now. In fact.
Don’t stop yourself from relaxing and recouping. Goal Achievement Exercise Z Take out your Workbook. Better luck with your novel. the man. It could be a ten minute break to get a cup of coffee and stretch or it could even be a week off to take your mind off things and have some fun. But it had cost him far more than he had ever imagined. Again. If you are stiff and focused on a goal and have such blinders on 206 . That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money. the object is to make your life enjoyable. found a publisher’s letter saying that his book would be published. The moral of this story is that success by any means doesn’t always “mean” success. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. the man went downstairs and was amazed by the quiet that filled his whole house. now middle-aged.m. Walking through one room after another. List 5 things that you are going to do to ensure that you are enjoying your journey through life.. they were all empty of his family and furniture. As he got angry when she did not bring the mail at exactly 2 p. in checking the mail. Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. and have moved out. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to. Renew your energy.Lifemoney waited for his small daughter to bring up the mail.” Ironically. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break.
Patience and Enjoying the Journey Summary Life is funny. This much I know: success without enjoying your journey through your days is pretty worthless. and how to really enjoy the ride. Lifemoney Currency “Enjoy life. and sometimes the answers you generate for yourself are wrong. I want my rewards as I go along. Take the time to smell the roses. 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. It goes by both very fast and very slow. You need to have a balance. you are missing out. you’ve gone a long way to deciding where to spend your free time. There’s plenty of time to be dead. play hard.” -Anonymous 207 . the small everyday things are the things you’re going to miss the most. 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. because when you’re finally done and outta here. If you’ve figured out what you’ll miss the most when you leave. My motto is work hard.
_____ 10. giving yourself 10 points for each checkmark and 0 points for any left blank. I will find something positive out of everyday. I will not wait until it is too late to enjoy my life. _____ 4. I will not take for granted what I already have.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 1.” -Brad Turk 208 . _____ 5. I will break goals into pieces and patiently work on one piece at a time. I will take time to stop and smell the roses. and then tally your score. _____ 6. I will take a break from time to time to rejuvenate and enjoy my life. _____ 8. I believe my day to day efforts will have an effect in the long run. and plan for tomorrow as if you were living forever. _____ 3. _____ 9. _____ 7. _____ 2. I will have urgency in my work and patience waiting for my results. I will practice the 5 Year Test I will not stress over things I can’t control. Lifemoney Currency “Live today like it was your last day.
101 Affirmations 209 .