Lifemoney

The Proven System for Creating the Money You NEED for the Life You WANT

By Self-made Millionaire Brad Turk

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life·mon·ey (n): the non-monetary currency needed to attain success and develop wealth and personal satisfaction

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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.

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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....

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............. / MyMusicSite.................44 What Are Your Limitations?........................................................................................................................................................... .................................38 Sometimes It’s Better to Strike Out ............................................ Inc.................................................47 Get Rid of It! ...................................................................................................................................................................................................................................................................................................................13 Getting Focused............................................................................................................31 Goal Achievement Exercise A......................................................................................................................................................................................................................11 Learning About Business............ 6 Overview............................................48 Buy Stock in Yourself ..................................................................................................10 Knowing Myself........................................................................ Inc........................................46 Goal Achievement Exercise D................................32 Win Life’s Lotto (Real Wealth is Measured by Achievement.........................................................................................................................................................41 Goal Achievement Exercise B ......39 Who are you? ...............18 Heat Wave Tanning......................................................................................................................................................19 Self Made Records.53 Can You Dunk?..................................................................................................39 Don’t Be a Stranger (To Yourself).............23 Lifemoney Lesson # 1: Defining Success..........................9 Looking for Motivation ..................................................................................6 My Early Years ............................................................................................................................................ Too!.....................................21 …You Can Do It...............................................17 Global Business Solutions...............................................................................42 Goal Achievement Exercise C ... Retired by 35: What Lifemoney Means to Me..................6 If I can do it… ........................................................................................28 WHOSE Dream Is It..........................................................................................................51 Make Less ..............................50 Goal Achievement Exercise E ............................... 1 My Lifemoney ...............................................................................15 This Was Only the Beginning ......................................................................................................................................................................................................................................................................................8 Persistence Pays Off ........33 You Are in Control........................................................................................................................................................................................................56 v .....................................................................................................24 Success on Your Terms ....................52 A Fish Story ............27 Find the “U” in “SUCCESS” ......24 Overview.........................................................................................37 Lifemoney Lesson # 2: Knowing Yourself ...........Find More.......com ............................................... .....................34 Defining Success Summary ................................................................ Inc.....................24 Want to Succeed? Sleep Late!..............Table of Contents Introduction: Millionaire by 30.... Anyway? ...................................................................................................................................................38 Overview..............................................................36 Millionaire’s Checklist: ..................... Not Cash) ..............................................................................................................................................

.............................................................................................................................................................................................................................63 Timelines ..........85 Tool #3: Efficiency ........................................... 107 O.......................................What If You’re Way Off Track?................................59 Overview..61 Goal Achievement Exercise F ......................................................................................................................................................................................................................................................................................................................................................................................... 116 MacGyver It!.......................................................................................70 Goal: To pilot my own airplane .... 114 Millionaire’s Checklist: .....................................................................................................................................................................................................................79 Millionaire’s Checklist: ................ 111 Evaluating Your Progress Summary ............................................................................................................................................................................ 110 Goal Achievement Exercise N..............................................................................................................................................................................................................................................................................66 Goal Achievement Exercise I ..........65 Write It Down .....................................................................................................K…..........................................72 Goal-Setting and Overcoming Obstacles Summary...........................67 Nothing Can Stop Me Now…............................................................................................................64 Goal Achievement Exercise H...............................61 Establishing Action Steps .................................................................................................................71 Three Huge Obstacles..................................................................................................................................101 Overview.............................98 Millionaire’s Checklist: ...............................................................69 Goal Achievement Exercise J ........... 116 Can’t Get a Job? Buy the Company! .......81 Tool #1: Focus ............................................................................................................................................57 Millionaire’s Checklist: ... 100 Lifemoney Lesson # 5: Evaluating Your Progress ..................................................................84 Tool #2: Time Management ........................ 101 Progress Report .....................................................................................88 Goal Achievement Exercise L .......................................................60 Start by Writing a Goal......................79 Lifemoney Lesson # 4: Gathering the Tools for Success................................................................................................................................83 Goal Achievement Exercise K...............................................................................................63 Goal Achievement Exercise G.....................................................................................................................81 A Successful Person’s Tool Belt ................................................116 Overview...................................95 Gathering the Tools for Success Summary..........................................81 Overview................... 115 Lifemoney Lesson # 6: Resourcefulness.................89 Tool #4: Priorities..............................................................................................................................Knowing Yourself Summary ................ 118 vi .....92 Tool #5: Do or Die Trying Commitment............................................................................................................................................................................ 101 Don’t forget the map! .............................................................................................................................................................................................. 103 Goal Achievement Exercise M ................................59 A Quick Review .............................................................................................................................................................................................................59 Step Up .......................................................................... 105 Maintaining Your Course .......................................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles.............................................................

..................................... 169 Goal Achievement Exercise T ............................................................................................................................................................................................................................................... 167 Change the Mental Channel..... 133 A Lesson From Trump .............................You’ll Find It ................................................................................................................................................................................................................................... 125 Goal Achievement Exercise O....................... 127 Find An Expert .................................................................... 149 Goal Achievement Exercise S .................................................. 135 Dream It............................. 178 Positively Thinking Summary ............................................................................................................................................................................................................... 184 Goal Achievement Exercise W .................................................................................................................................. Go into Debt and Max Out Your Credit Cards ....... 174 Worst Case ............................................................................................................................................................................................................................................................... 131 Millionaire’s Checklist: .............................................................................................................. 149 Sharpen Your People Skills ........................... 189 Sacrifice Summary ................................ Do It! ...........................................................................................................182 Overview................................................................ 176 Create a Repeatable Success Thought ................................................... 135 Goal Achievement Exercise R ................ 151 Turk’s 12-Step Plan for Bridge Building..................................................................................................................................................................... See It............................................................................................. 130 Resourcefulness Summary............................. 147 Lifemoney Lesson # 8: 12 Steps for Power with People............... 195 vii .................................................................................. 122 There’s No Need To Grow Up.......................................................... 132 Lifemoney Lesson # 7: Creativity .................................................................................................133 Overview....................................................................166 Overview...Fix It ...................... 137 Five Creativity Factors ........................................................................ 170 Don’t Complain .................................. 177 Goal Achievement Exercise V............................................................ 175 Keep It Moving ........................................................................................................ 133 Goal Achievement Exercise Q................................... 185 Goal Achievement Exercise X......................................... 183 Sacrificing for Success ..................................... 182 Borrow..................................................................... 152 12 Steps for Power with People Summary ..............................................................................................149 Overview......... 171 Goal Achievement Exercise U...............................................................Best Case................ 181 Lifemoney Lesson # 10: Sacrifice ..... 194 Millionaire’s Checklist: ........... 179 Millionaire’s Checklist: ......................................... 137 Millionaire’s Checklist: ....... 128 Goal Achievement Exercise P ................................................................................................................................................................................................................Keep Looking ................................................................................. 164 Millionaire’s Checklist: ................................................................................................ 165 Lifemoney Lesson # 9: Positively Thinking . 175 Eliminate Negative Self-Talk....................................................................................................................................................................................................................... 173 The Key to Success? Live Out Of Your Car............................................................................................................................................... 166 The Multi-Millionaire Blues ............................................................................................ 166 Where’s Your Head At? ....

......................................... 198 So what should you do to be more patient? ............. 206 Patience and Enjoying the Journey Summary................................................ 204 Goal Achievement Exercise Z ................................... 196 Mañana ......................................................... 196 Doing Time ....................................................................................................................................................................................................................................................... 201 Goal Achievement Exercise Y..................................................................... 207 Millionaire’s Checklist: ................................................................................................................... 201 The 5 Year Test ....... 200 Enjoy the Journey.......196 Overview............. 208 viii ..........................................................................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey ....................................................................... 202 GOAL (Go Out And Live)............................................................................................... 202 Seek Happiness in Simplicity .............................................................................................................................................................................................................................

1 . Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. not money. Lifemoney will show you what you really need to live the life you want.” -George Foreman Life comes first. new entrepreneurs perfectly – but can be adopted at any age. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how. Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire. it’s at what income.Introduction: Millionaire by 30. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first. Money is simply a tool to help you get what you want out of life. Lifemoney will help you understand what success really means and teach you how to attain it.

a new job or just a raise or promotion in your current job. a new home. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. if it’s money that you’re after. 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. be it a million dollars. it’s not the job that I feel is prestigious that matters. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy.000 a year or $2. Imagine having the task of hammering a nail. If it’s career happiness you’re looking for. it’s the dollar figure you define. Part self-help. 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. For example.000 in quarterly bonuses. part how-to. Would you use your shoe? Would it work? Possibly. It could be $240 a week or $240.400. 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. In this book.One of the most unique features of Lifemoney is that it’s entirely personal. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . part financial management. it’s the job that makes you happy on a daily basis or brings you closer to your goals. it’s not the dollar figure I define as Lifemoney that’s important.

Instead of concentrating solely on the financial aspects of making your first million.most of whom happen to be multimillionaires. Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . and want to share them with you. This book will show you what those characteristics are. let alone both? I was a millionaire before the age of 30 and retired soon after. If you learn these lessons – and actually follow them – you can and will succeed. I have been fortunate enough to learn that most successful people share a lot of the same attributes. But more importantly. I am living the life that I want to live. not just financial. along with real-life examples you can use to plot your course for success. characteristics and personality traits that you will need to get you there. So who is Brad Turk and why am I qualified to write a book about life or money. Lifemoney will give you a blueprint for success in all facets of life. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. used them for my own personal success.My Lifemoney WANT. My schedule and time belong to me and I do what I want with my days. This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life. Through my interactions with many successful and famous people (some recording artists. etc. I have distilled those attributes. The exercises in the book 3 . My definition of success is simple: Accomplishing what you set out to do.). some executives. It offers a set of tools. Whether you are looking to be the next pop star or the perfect housewife. there are common qualities.

In this book. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. While reading Lifemoney you will become familiar with these attributes. 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. you’ll find ways of: • • • • • Understanding what success means to YOU Matching what you want with your abilities Learning to go after goals by setting specific tasks with timelines Learning how to focus. prioritize and manage time Learning the value of determination and commitment in attaining goals • • • • • • Learning how to evaluate progress and welcome criticism Learning how to be resourceful when overcoming obstacles Learning how to deal with people effectively Learning how to use creativity to get more out of life Using the power of positive thinking Learning to sacrifice some of what you have to get more of what you want • Being patient and enjoying the journey Lifemoney is designed to walk you through each of these attributes. see what works for you and. 4 .

What’s the answer? Lifemoney. These proven tools are specifically designed to help you plot. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success.com (Code: naNtZB). Repeat these affirmations to yourself when you need a quick boost.bradturk.bradturk. Feel free to use mine – memorize a few of them and repeat them to yourself when you feel like you’re not making progress – or add some of your own.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. I have created a list (that I use) of affirmations that you can also download for FREE at www. there is more to life than money but you just can’t live in this world without money. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it. Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs. Clearly. The higher your score – the higher your Lifemoney skill level. 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. list and track your progress. Sprinkled throughout the lessons are A-Z Goal Achievement Exercises that ask you to reflect on how to apply what you just read to your own life. 5 . This checklist will help you quickly see if you are developing the skills that were discussed in that lesson.com. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement. Everyone needs some kind of stimulation and/or support to keep their spirits alive.

Over the course of my very short professional life I’ve achieved the American dream: I’m young. Through experiences as diverse as being a break dancer. actor. If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing.Lifemoney My Lifemoney “It’s never too early…to make your first million. business owner and entrepreneur. rich and retired. I achieved personal and financial success through various ventures in the telecommunications industry. I’ve found the American dream and retired early. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself. salesman. entertainment field and having a 6 .” -Brad Turk Overview I want to take just a few pages to introduce myself.

adapting the rules of success to your personal situation. These lessons can be learned by anyone. and if you’re willing to be my student for just a short time I can show you how.My Lifemoney retail tanning salon. Diddy and even myself have been “taught how to fish” at some point in their lives. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success. I did not strike it rich in the dot. Give someone a fish and they eat for a day. whether it was through direct interaction with a mentor or learning from other sources. Think of the old story about giving someone a fish or teaching them how to fish. I have used the attributes I describe for you in this book over and over again in many different businesses – all with the same successful results. All the successful people I discuss throughout this book including Warren Buffett.com arena or hit the lottery. That’s what Lifemoney is all about. boat and everything you’ll need for a life of accomplishment and success. Consider these lessons to be the fishing rod. Not all of these successes share the exact same 7 . It’s not that hard really. I am going to share just a little bit of my personal history first because I know myself that to trust someone I need to know a bit more about their background – what has formed them into the person they have become. teach them how to fish and they eat for the rest of their lives. 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. You’ll never need to go hungry again. Instead. But if you look carefully at the histories of most success stories you’ll find a lot of similarities.

you can see the learning process I went through and how I overcame obstacles and dealt with adversity. 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. though. new friends and. There were new surroundings. but they usually have a lot of similarities. New York. if you don’t care about me and want to jump right into Lifemoney Lesson #1 and see what YOU need to do to be successful. By the time I was in fifth grade. best of all. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. I won’t be insulted. It was a much nicer neighborhood. The move brought my working mother closer to her jobs and me closer to seeing what life could be like on the other side of the tracks. my mom and I had moved to Forest Hills. My Early Years I began life in the Pomonok public housing projects in Flushing. You can always come back to me later). (Oh. I learned these lessons by reading books of successful people and from my peers. rapping and acting. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . Mom didn’t let it stop her. and by the way. I’ve learned that they’ve come to their successful place in life by either having or by acquiring the attributes I discuss in Lifemoney. and she was a tremendous teacher. and no money. When I got to junior high. She kept right on plugging away with her 3 jobs. I got heavily into break dancing. In addition. new neighbors. New York.Lifemoney attributes. new opportunities. That’s where I first learned about work ethic.

I bought a reference book called The Ross Report.” The do-not-call rule was strongly enforced. and I began going into the city (New York) for auditions to try breaking into the business. as well as how to contact them. a renowned child talent group. dealing with people. Actually. I sent the package out to the same agents two times but didn’t get one response either time. which listed talent agents. But the first rule of success I learned was to work around your obstacles. I followed directions exactly and sent my headshot along with a resume to one hundred agents. This is when I first began to learn about the value of persistence. Since my working mom didn’t get home until late I would go alone by train. and thinking outside the box. I’ve always been a hustler. I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. Frustrated by the lack of response. not succumb to them. not easy. They represented such actors as Emanuel (Webster) Luis. For starters. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me.My Lifemoney industry. The first agency I visited was Schuller Talent. Finding an agent to represent my efforts was. I decided not to sit around and wait for something to happen. Most emphasized the boldface message “not to be called or visited. as you can imagine. the only way to contact agents was to send query letters with photos and resumes. Persistence Pays Off To make it in the acting field you need an agent. To follow my dream I had to overcome several obstacles. a huge child actor of the time 9 . In fact. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials.

But taking the initiative. She followed me out and introduced herself as “Davina. From the corner of my eye I noticed a woman standing in the doorway. I didn’t do very well in high school. I often skipped classes. and when I did show up I didn’t pay much attention.” the agent in charge of the group that I wanted to join. who was extremely nice and reassured me she would get my packet into the right hands. auditioned. Hanging out with my friends and social activities seemed more important. going out near the door where the other woman had been listening. 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. 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 returned the following week. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. I continued my conversation with the secretary. I might not be where I am today. Had I continued to wait for calls that never came. the child actor from television’s Who’s the Boss? Walking through the agency’s door I met a pleasant secretary and introduced myself. I thought that she was listening to what was going on. Not surprisingly.Lifemoney and Danny Pintauro. Looking for Motivation Unfortunately. I set out to get answers to my questions. After thanking the secretary. and found the success I was seeking. As a result. I turned to leave. and signed with Schuller for representation. I told her I just wanted to make sure it got into the correct person’s hands. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. I barely 10 .

My Lifemoney made it through. Through hard work. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. I earned a 3. If I was going to “screw up” like I did in high school. For these reasons. and was eventually inducted into the Phi Eta Sigma national honor society. they explained. I got accepted. I realized that my next job was staying in. I had a hard time getting into college. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. 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. But he and my mother told me that they would only support me if I did well the first semester.88 grade point that term. With this pressure from my parents. Although you can make a good income from acting.92. It was a great lesson: Not all of success is flashy and easy. using my acting resume. I learned early on that being a struggling actor was not for me. I was looking to make a lot of money and enjoy nice things. After getting in. The following semester I got a 3. I applied for a double major in business and theater and. 11 . they didn’t want to pay for it. I decided I didn’t want to end up stuck with no way out. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. the odds are severely stacked against huge financial success. Knowing Myself In time I would become a very successful entrepreneur. 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. I changed my habits and learned how to be a student.

Looking back. So I took a different route and it has paid off for me. the sacrifice has paid off. He answered. “It’s cheap and it fills me up. I still had some entertaining left in my system. I asked him if he was going to order anything else.Lifemoney I remember meeting a good friend of mine. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. a struggling actor. From my break dancing and rapping days I had always kicked around the idea of being in the hip-hop industry as a rap artist. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. as with acting. But before I fully ventured into business. I spent the last years of high school and beginning years of college working toward that goal. for lunch one day. But his limited income made it clear to me that this was something I did not want to do. When he only ordered soup. When it came to making money. I could see the moment in that restaurant as a turning point. I wanted more of a sure thing than acting. I knew myself and knew movie stardom wasn’t the right route at that time.” I bought his lunch that day. For him. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. the music industry does not often accept unsolicited 12 . I sent out many demos to try and get people interested. It was a real education. But. As with my junior high acting days. That could have happened for me but I knew in my heart it wasn’t MY reality. Today he’s a successful actor who can go anywhere and order anything he wants.

If the artist believes a later recording is similar to his or her music. I got a job as an intern (for no pay) working for PolyGram Records. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. In this world you have to take opportunity where it comes if it will help you achieve your goals. even when you’re going against the grain. you need to work in it. Although no longer in existence they were one of the premiere labels at the time. I kept working toward my goal of becoming a rap artist and trying to learn the business. I entered the Pepsi Rap Up the Summer Contest. co-sponsored by 98. My goal was to get noticed and possibly get someone interested in working with me. a lawsuit can result. In 1991.7 Kiss FM in New York. I recognized the value of this attribute and stored it away for later.My Lifemoney material. In fact. let alone were successful at it. It was validation that hard work could pay off. I was chosen as a semi-finalist out of 500 entrants. A key lesson I learned was that if you want to understand an industry. I sent in my tape. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. I knew 13 . Learning About Business In addition to finding some measure of success in the entertainment side of music. This is exactly how you build Lifemoney. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. I also tried to learn the business side of the industry. This was pre-Eminem and not too many white people even listened to rap. Although I didn’t win the contest. even for free.

Door after door was being closed to me. There are more important things than money in this world. feel free to import ideas from wherever you can find them. It paid off. The following year I released “That’s Evil Man” on ZOO Entertainment. For example. It worked. picked me up and got me signed to BMG for distribution. both the stars . I figured if I sent a package. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. BMG.” I once sent a sneaker in a box to a record label with the note. If you want to learn a business. my targets would be curious enough to open it rather than throwing it away. For example my rap name was “Sneak. It’s important to understand what you are getting into before you are knee deep. agents and managers. The access I got taught me lessons I could have never learned anywhere else. a recording label. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . 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. Basement Records.the talent . And always be resourceful. learn it from the ground up. If you want to work in politics. But it’s all valuable. and access is one of them. “I just want to get my foot in the door.and the men and women behind the talent the producers. You might find it’s not what you expected it to be.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds.” along with my demo tape. It was one of my earliest stabs at being resourceful. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. volunteer for a campaign or move to DC. if you want to someday own a bar you should work at a few for a while to learn the business. mixers.

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. Money provides those things. 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. for more reasons than just getting airplay. but in reality there are very few people that make it big – and make the big money. In 1994. 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. Eventually it went to number 27. full of rich stars and power players. I decided since making money was a priority that it would be easier to make money in another industry and that I could always return to the music world later. That’s a hard truth to see from the outside. It didn’t stop there.” Next Plateau. But like 15 . You see – I already understood that making money was a priority for me – an important goal. I was finally seeing a dream come true. actualizing my goals and watching them come to life. which I did. PolyGram Records. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. While I enjoyed working in the music industry. 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. It was an exciting time. It is a difficult business to really make money. 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. The music business seems glamorous.

I decided to make business decisions that would bring me closer to where I wanted to be. Not to sound conceited. I saw that real estate was more suited to my personal goals at the time. I figured if I spent more time on my part-time real estate job. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. but it was apparent that I was a tremendous asset. so I pursued this opportunity. After leaving college. Becoming successful. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. In addition. I did not find that product to be a perfect fit for me or my personality. Imagine what a retiree would think about a guy that appeared to be 18 years old providing advice on retirement! Recognizing that only true passion creates true results. Unfortunately. I was interested in sales. I also knew that I had fine-tuned all the systems there to do my job in half the time than I had been doing when I started working with the company. I decided to 16 . I understood the insurance office management job completely. For one thing. And guess what? I started making more money working part-time than at my day job. the branch focused on selling long-term care and retirement planning. Also. How did I do that? I started selling real estate at night. I went so far as to get licensed to sell life insurance. I did not have a wife or family. I could make even more money.Lifemoney most young people I didn’t understand what was going on. The branch owner wanted to train me to sell life insurance. I decided to take my hustling a step further. and could not fully understand or relate to getting life insurance for protection for other family members. I took over a job for a friend as an office manager for a life insurance company.

I began to learn about the importance of defining success for myself. and there was a lot more to learn. You never know if someone will say yes or no to a question until you ask the question. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life. and I went from initially working five days a week to just one day per week. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly. the one you’re probably most interested in. making my own way and even started knowing myself and where my real talents and desires 17 . I also promised him that the quality of the work would not change. instead of just quitting I told him I could do the work in one day that I had been doing in three. I guess the company trusted me enough to give it a shot. at the same pay. But my education was just beginning. For example. Best of all. I didn’t know it at the time but I was to go through many more experiences that taught me how to build and run successful businesses and be happy at the same time.My Lifemoney leverage all that. When I went to my boss to resign. He reluctantly agreed on a test basis. my gamble worked! Eventually. You never know what people are willing to do – or what you can accomplish – until you try.” It was a risk to leave the security of a full-time job. I was putting those early Lifemoney skills into play and getting the same amount of work done in three days as I had done before in five. I was doing well enough and was confident enough in real estate to do it full-time and get rid of my “day job. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. This would permit me to have two more days to sell real estate. I made sure I did everything efficiently and wasted no time at all.

Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. dealing with people – especially difficult people. I 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. Inc. but the skills that were created in me were worth more than cash. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). 18 . sacrifice and patience. But I still had to learn about setting goals. It was basically a mini-version of one of the larger telecom corporations. Rather using the attributes I list for you in this book I became successful in project after project and business after business. evaluating my progress. At MCI. resourcefulness and creativity. they bought it from someone else and still sold it as theirs. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. like actual cash. and I didn’t hit it big with the lottery. Especially patience! It was a lot for a young person like me to absorb. That is in fact how this book got its title: I literally realized that all the triumphs and setbacks were creating skills and qualities inside me that were worth something real. I was already bringing in a six-figure salary and at the end of my third year there I earned $387. I used them to create many business successes. I’d learned that when the big companies couldn’t supply a product. By my second year.Lifemoney were. Global Business Solutions. I became one of the top salespeople in the nation.07. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money.086. I was not an overnight success story.

One of these areas was in the pre-paid calling card business. I eventually contracted with many providers. and to always be so reliable that I would always be the “go to” guy in the future. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. and seeing niches before everyone else. the customers would want you to do everything for them. I saw what the needs were and I fulfilled them. remain loyal and protect them as much as possible. Sometimes you go searching for new opportunities and other times opportunities find you. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. allowing me to sell anything the big boys sold – and better – because I was smaller. I understood that customers loved a one-stop shop. Inc. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. you or the opportunity. When you’re always on the lookout for something new. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. 19 . it’s harder to tell which came first. Heat Wave Tanning. I let the customers guide my business. If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. lower to the ground and closer to the customer’s ear.

grows us. I decided to open my own tanning salon. The tanning business though was more hands-on. Besides. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. 20 . managing ten employees. and managing customer issues just didn’t do it for me. and I decided that I didn’t want that kind of responsibility. I researched the business and found out that it was a very low maintenance business and pretty profitable. It was like having a puppy at home: you never felt comfortable being far away for very long. But I was discovering that retail businesses require a lot of time and attention. It turns out that people just were going in there to catch a tan. It is definitely a great business that I would highly recommend. and prepares us for the future. After more research (and imagining that operating that type of business would be fun). A telecom business like GBS was more “virtual” than brick and mortar. and might one day do again. I saw a line outside of the place and was wondering what they were giving away. The tanning business was a big change for me. I told myself: it stretches us. So I kept the business for two years. That is true. But I felt I was ready for that. Change is good. made my money and then I sold it.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. Better yet the business seemed as if it could run itself. and Heat Wave Tanning was really a great business and a great opportunity in my life. This was a different venture from my previous forays in the world of small business. maintaining equipment. I could manage most of it via remote control. which was a huge plus for me. It was exciting. building the place from scratch.

And I love it! Why? Because I’m sailing my own ship with no boss. set to launch in the fourth quarter.com. but on my terms.My Lifemoney Self Made Records.com Sometimes success comes full circle. with little to no risk and helping others all at the same time. Inc. Inc. 2007. That makes me happier than I can possibly describe to you. For Self Made Records. although I brag about being retired. no limits and 21 . I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. / MyMusicSite. I will make independent artist’s music easily available to their fans. In 2007. I am doing what I love. looking to blend business with pleasure. friends and family while providing a marketing platform for them to make their dreams come true. Inc. And what’s best is that I can afford to be patient. I signed some artists to my label and I am currently marketing and promoting them. Now I was a successful entrepreneur. in reality I’m busier than ever. It was a lot of work but it has been gratifying beyond words. But I can afford to do this because I love it.com are both my hobby and business. I have been launching companies left and right. I am sometimes surprised by all that I have accomplished in such a short time. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. Self Made Records. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. Later I was a college graduate looking to intern for a major hip-hop record label. 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. and My Music Site. I am now in the process of coding and developing mymusicsite.

phone. friends and family.com (www. In addition. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”. The business is called Meeting ExpressO (www.com) and is a retail conference location /coffee shop. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. I just launched TellBrad. and snack items. Lastly. We will make independent artist’s music easily available to their fans. 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.meetingexpresso.mymusicsite. I am also providing a marketing platform for these artists who want to make their dreams come true. 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. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating. specialty beverages. Meeting ExpressO will provide full access to conference rooms which include internet.com (www.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. In addition to being its creator. I am also in development on another site called MyMusicSite. In addition to that business.com). I will 22 . break dancing on street corners and hustling for business opportunities. I will be selling and promoting online music downloads and cell phone ringtones for independent artists.tellbrad. satellite television. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee.com).

adapt the principles described in each of the upcoming lessons. sell it on the corner. That’s why I’ve written this book. Now. I’ll tell you how you can do it too! While my story is different from yours and from that of other people. go by some oranges! (Orange juice outsells lemonade by 10 to 1. Learn who you are and what you want. Keep score of your successes and failures. Lifemoney provides you with the tools you’ll need to reach your own unique potential. Lifemoney Currency “When life hands you lemons… make lemonade. I will show you how to understand and learn a unique set of attributes you need to become successful. Work on the activities. Stayed tuned and look for my name in the credits! …You Can Do It. And go for it! No excuses. I have found the common denominator for success.My Lifemoney also receive co executive credit and be involved with development of the project.)” -Brad Turk You can do it too! 23 . invest your profits and. Instead of sitting around thinking about what you want. Too! I began this lesson by declaring “If I can do it…” without finishing the statement. when they mature.

pure and simple. is in no danger of cracking it anytime soon. John.and though totally different from one another they illustrate what I mean by defining your own success. has never cracked the seven figure mark and. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. These are the stories of two friends of mine – John and Steve . Success is never a game of chance and begins with clearly deciding what you are going to make happen. My first friend. some might consider him rich 24 . Still.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. 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.

has no ambition and is going nowhere. lives with his parents. To me. Steve. who on the surface would probably look extremely successful to outsiders looking in. I have to confess that I kind of agreed with them. From a professional perspective. All of my other friends make fun of him. He needs nothing else to fulfill his dreams. It didn’t bother him what everyone was saying about him.and shouldn’t .Defining Success beyond compare because he knows himself and. You can’t . And how many of us can say that? I realized after talking to John that everyone’s idea of success is different.push your idea of success on anyone. who is over 30 years old. They think that he is not responsible. I have another friend. Most days he didn’t have to go into work early and he got to sleep late. Then one day we were talking and John really opened my mind to something. He made enough money to live on his own if he wanted to. John told me that he was really happy with his life. he has a big smile on his face. knows what success means to him. He told me he was still living with his parents because he liked living with them. he found his own success and it works for him. several sports cars and a very 25 . What he revealed was so far from who I am as a person but showed me that there are a lot of different ways to define success – and the important Lifemoney key is to define it for yourself. he is successful. he helped them out a lot and felt that his support was needed around the house. he also said he was happy with his job. John’s parents also enjoyed him being there. He has a beautiful boat. John. He told me that every night that he goes to bed. He did it his way. just as important. He is truly happy with how his life turned out. While talking about the future. he just took it as a joke.

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. he canceled the invite because he was actually selling one of the cars. He is always stressed and always in fear of losing something. The weekend that he canceled our trip to the track was because he had to sell one of his cars to make his mortgage payment. he is in a world of hurt. Before the weekend came. He also has to work harder than anyone I know. 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. Most everything is owned by the bank and it seems every time I talk to him. Some people thrive in that kind of stressful environment. These men are both successes.Lifemoney nice house. Why? Because they both hit their mark. The truth is that Steve lives way beyond his means. Once you define what you want and know what will make you happy. He is always making maneuvers to try and maintain his possessions. Steve thrives on the adrenaline of living on the edge. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. This is success for him. you have completed Lifemoney Lesson # 1. Have you decided what your mark is? 26 . My definition of success comes from within. not from without. I remember one weekend he invited me to go to the track with him to “play” with his cars. Being that I know this friend well. just so he can try to keep up with payments so that he does not default on anything.

most people are still on their quest for success. It becomes yours. you’ve taken the first step to taking your life back. strategy or plan they stick to in order to reach their ultimate goals. But becoming – and staying – successful can be tricky.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. We have no control over our path and our lives can become haphazard. you own it. What works for some doesn’t work for others and what works for me might not work for you. If we don’t define success for ourselves. When you define success for yourself. we are on a journey without a map. get more and be more. our definition of success will be individual and unique. They start up home improvement projects and don’t finish. They buy gym memberships and never use it. we all want more out of life. With the exception of my friend John who I just mentioned. Success means different things to different people. fad to fad not really knowing what they want and drifting with the flow. No matter your net worth or social standing we want to do more. most successful people (whether consciously or not) have a system. They subscribe to magazines they never read. I think this is important because I see so many people who spend their lives wandering. For the most part. Although some people get lucky in attaining success. They go from idea to idea. 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. Why do they do this? They bounce around because they’re not prepared to 27 . Like fingerprints. When you define success and what it really means to YOU. trend to trend. There’s simply no future in succeeding for anyone other than you.

Desire is the planting of your seed.” Plant your own personal seed for success and watch it grow.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now. You should live your own life and live up to your own expectations. 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. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. author of Riches Within Your Reach: The Law of the Higher Potential once wrote.Lifemoney take full action. look past that next job promotion or future company you plan to build.” . 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. They live undefined lives. you will be fully able to reap all the benefits that await you. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. for you. See beyond money and its trappings. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . As Robert Collier. What is it you really want? What. By starting your journey with a firm grasp of your meaning for success. and those are the only things I really care about it.

With all of Buffet’s billions he has always led a simple life. billionaire Warren Buffet. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). Let’s take.500 over 48 years ago. a 22-year-old student who has just received her acceptance letter into the medical school of her choice. She sacrificed many nights of going out with her friends and having fun in order to spend more time studying. for example. 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. What would make you happy? We all define success differently. He does not really have any extravagant items like a fancy race car. yacht or even a boat.Defining Success “All I want is to have people around who love me. 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 drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. He is doing what makes him happy. He has lived in the same house that he purchased for $31. but successful people have taken the time to really think about their definition of success. This is a man who could do anything and have anything and is content to sit home and watch a ball game. She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams.” It works for the second richest man in the world.

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 . father. Then there is the couple that.Lifemoney A 39-year-old business executive runs his first marathon. along with nutritional meals and emotional support. I call that success on their terms. upon marrying. Although he and his wife share a modest home. While his finishing time does not win any medals. Living off just the husband’s income has not been easy. 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. That man is a happier husband. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. Each of these people has achieved success. The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. they have not missed out on anything they’ve wanted. have resulted in two stable children with above-average grades and well-adjusted social skills. his self-esteem and confidence increase beyond measure. Months of preparation and training pay off for this guy’s single-minded determination. He’s been a total success. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. and employee – or future CEO – because of this personal accomplishment. Sounds like success to me. While avoiding expenses like costly entertainment or expensive vacations.

That’s why. That’s why it is important to understand your priorities clearly.Jeff Mallett 31 . you might become bitter or resentful. Even though everyone usually has a different idea of what success means to them. you’ll be finding out why it is so important to Know Yourself. 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. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. love what you do. So once you have an understanding of what will truly make you happy. Lifemoney Currency “Do what you love.” . While it’s a good idea to talk to your family and others who may be impacted (say.Defining Success WHOSE Dream Is It. you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. If your parents are pushing you to become a lawyer. what they all really want is personal happiness. So let’s figure out how you define success. Over time. It is how you view your situation that makes all the difference. leave the world a better place. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. in Lifemoney Lesson #2. but you don’t really want to. you can begin to set goals on the road to success. As you see in this example. it is possible to be a successful lawyer without feeling like a successful person. It really isn’t what you have or who you are that makes you happy or unhappy. I believe the common denominator in true success is happiness.

just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. or download a copy of the Workbook with all the exercises from my website – www. time. Explain. so make it handy and easy to access. but more importantly. You can use a three-ring binder.bradturk. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. and edit if necessary to make them readable and clear. read over your ideas. 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. etc. the hallmarks of success—money. Once you have this in place. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress.com.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. set a timer for five minutes. 32 . asking yourself questions like these. in your opinion. open a document on your computer. Then start writing about your views on success. skills. I am going to ask you to open this document on a regular basis throughout this book.

“Everybody wanted my money. I know many people with little or no money. “If I only had money.2 million in the Pennsylvania lottery. It was totally a nightmare. Completing this exercise brings up a point I think worth exploring. Money in itself does not equal success. Welcome aboard a new life. they’ll tell you: • Evelyn Adams. too. I’d be so happy” or “Everything in my life could be fixed with some cash. you might find you are still unhappy. Most people just never make the move to define what they want and where they’re going. Everybody had their hand out. It’s amazing how some people perceive money as the answer to all their problems. What does she have to show for it now? Zippo. We all do. won the New Jersey lottery twice. after declaring bankruptcy.” These beliefs about money are all wrong. She lives in a trailer and recounts that. in 1985 and 1986. But you just did. at gambling venues.” 33 . Says the man who. • In 1988. now lives on Social Security and food stamps: “I wish it never happened. William “Bud” Post won $16. Not Cash) Congratulations! You’ve taken a huge step.” Her hand was out. Having come from a “no money” background.4 million. If you were handed everything you wanted without working for it.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. Ask the following people. something of a statistical freak. Her total take was $5.

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. not a financial figure. 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. It seems to be a rule of life that if you have good things handed to you . I know you’re probably saying “Yeaaa. That’s why Lifemoney is an internal feeling. that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily. That is true success – at least by my definition. she had filed for bankruptcy and had just $700 in the bank. And accomplishing your dreams – your success on your own is very important.you miss the excitement. they’re about satisfaction. but before a decade had passed. Here are several keys to keep in mind: 34 . There is no amount of money in the world that can recreate that feeling of accomplishment. and the ultimate triumph of accomplishing a mission. the challenge. it’s that amazing feeling you get after finishing a job well done. She shared her wealth with many charitable organizations.the fruits of someone else’s labors . Goals are not just about achievement.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993. And satisfaction is more than being content. and without effort are not actually participating in the creation of their own personal happiness. Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future.

Anything worth doing is worth doing well. but your dreams are out there. even if the voyage looks choppy. and another. Chart a course for paradise. When you lay blame or make excuses. you willingly give your power away. 35 . but they do not own your ideas or lay claim to your dreams. Publisher’s Clearing House might stop by your house with that big check and. You’ve already taken the first step. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. Now all you have to do is take another step. 3. It may take months.Defining Success 1. until the value of moving is higher than the cost of those inevitable obstacles. You are here – we are here. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. or it could take decades. Don’t put your trust in success just showing up. it’s also worth doing despite the odds of failure and cost of success. that would be incredible. together – because you made a conscious choice to pick up a book called Lifemoney. Success is not a game of chance. waiting for you to come and claim them. sure. and that might not have been easy. but don’t forget to enjoy the sites along the way. Stop looking outside yourself or to others to explain your failures. Most likely it will be bumpy. But why wait for the miniscule chance that this could happen to you when you have the power to wake up your dreams and put them to work for you – RIGHT NOW! 2. And remember that it’s important to enjoy this journey so keep an eye on the finish line. Others have influence over you and affect you. The power to change is your own. it resides in you.

If you do it out of ego or pride or greed. your old friends from school. If you let others define success for you.” -Steve Jobs 36 . If you do it for the money. Whoever you’re trying to keep up with – the Joneses. It will become clearer the more you focus and keep your mind open. something WILL be missing.Lifemoney Why be satisfied with a simple living when you can build a great life? Defining Success Summary Of all the Lifemoney Lessons I’ve lived – and learned – this was the first: you have to arrive at your own definition of success if you ever hope to enjoy success on your own terms. Success must happen YOUR way. trust me. success must mean something to you if you are ever to truly achieve it. so don’t waste it living someone else’s life. on YOUR terms for YOU to be truly happy. there will always be a nagging feeling that something is missing. Lifemoney Currency “Your time is limited. That’s totally normal. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. All right. you’ll always regret not doing it for yourself. your neighbors – forget it. Don’t feel bad at all if you’re still a little unclear about what success should mean for you. Let’s go there right now. Lifemoney Lesson #2.

I am in control. My life is mine and I’m excited to develop it on my terms. _____ 4. I am winning life’s lottery. I will define success for myself. and then tally your score. _____ 6. I will look beyond money to find happiness. Lifemoney Currency “If you live for someone else. _____ 2. I spend time learning what it will take to be successful in what I love. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 5. _____ 7. I will always seek to lead my own life. The expectations that matter most are mine.” -Brad Turk 37 . I will decide for myself what occupation excites me. _____ 8. I hope they enjoy it because you probably won’t. I am seeking my own personal growth and happiness. _____ 9. _____ 10.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. _____ 3.

” by exploring who you were to determine who you are and clarify who you want to become. In my mind. 38 . but it always starts with YOU. In Lifemoney Lesson # 2. great moves.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success. I can never be good enough…It just comes with the territory of knowing yourself and making the most of what God has given you. It’s a journey that may veer off in a thousand different directions before finally coming to fruition. “Defining Success. I expect to make great plays. you will build on the first lesson of this book.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself.

a student. or a musical genius. right? You might be a wife or husband. How many of us hover around the comfort zone of what we’re good at. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. Before you know where you’re going. banker – merely describe you. a company executive. or two-time divorcee. He stuck with the decision. lawyer. they don’t define you. But all of these titles – husband. because he knew he had the ability to be a GREAT batter. one of baseball’s legendary home run hitters. But life success is a self-test. father. a son or daughter. a computer whiz. but not without a period of introspection first. unsure or even unwilling to concentrate on what we might be great at? Often the difference between being good and being great is making adjustments that allow you to spend more of your time developing your greatest strengths. a basketball pro. This is valuable advice for many of us. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. someone’s parent. 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. Maybe you’re carrying around a little extra baggage as a high school dropout. son. He took a lot of heat for his decision because he was a GOOD pitcher. you need to know who you are. not a popularity contest. 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. 39 . Who are you? Who are you? That probably depends on who you ask. unemployed worker.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth.

you can still find the path to your personal success if you’re willing to look for it. If you are just starting off on your voyage to success and don’t know where to begin. whatever you’ve done. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. 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. when you take a moment to catch your breath and see where you are. Whoever you are. and live happily ever after.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. let me help you rediscover that person again. instead of building the future you always wanted and. Or maybe you were hoping to get married. day to day. knew you were capable of attaining. Then. the goals appear too distant to reach anymore. looking back. and maybe not even worth the effort after all. wherever you’ve been. and hopefully a little wiser. but ready to gear up for the adventure that lies ahead. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. But now. Instead. you got sidetracked into making a living and getting by. have kids. Life has a way of sidetracking us from our goals to deal with day to day living. start here. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. Maybe he or she is a little older. you find that those dreams never materialized. more importantly. 40 .

restructured his organization. If you don’t know what will make you happy. What is success if you don’t know who you are inside. less really was more. Why? Because he was finally keeping up with himself. but he was slowly driving himself insane. Lifemoney Currency “I’m starting to judge success by the time I have for myself. 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.” -Brendan Fraser 41 . successful. 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. In his case. My priorities aren’t amending. (Either that. His patients and his workers loved him and he was loaded. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. This nice. It is not. not the Joneses. they’re shifting. Twelve months later he was happier than ever. how can you ever hope to achieve.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. literally. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. the time I spend with family and friends. He was a very successful physician with five private sports clinics.

” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. Make a list of your top four or five achievements. or personal achievements. 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. reflect on the things that worked in your favor. these might include honors.” 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 . • • • • • “I earned a college degree. Even if you didn’t consciously use these qualities back then.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. Under each. and/or specific steps you took while completing these accomplishments. For example. define a recent accomplishment by personal attributes: 1. In looking back on your past. certificates. recognition.

like sports competitions.Knowing Yourself 3. you: • • • • • Dated selectively Looked in the right places Studied my partner’s character before getting serious Worked on my weaknesses Got pre-marital counseling “I found an amazing partner and have a stable marriage. As you think about the things you’ve done that you have enjoyed and made you feel good.” “thorough. You may even recognize the type of goals that attract you. while others could relate more to mental functions. you will get a better idea of who you really are down deep. Some people excel at social endeavors like arranging parties or special events. You’ll begin to see how that person might emerge in the next stage of life. What might that say about you? Using this exercise to get a sense of your approach to important life goals will help you understand where your strengths lie and what makes you happy.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. Let’s say for instance that when comparing the events above words like “organization. Look for patterns forming. and so on. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. some may be more physically oriented.” and “selective” came up in one form or another with each of the three achievements. like academic work. 43 .

Aiming your thinking correctly requires more Workbook exercises at the start. passion and effort. which shows up in words like “endurance” and “commitment” and “perseverance. Write down the characteristics that you’ve often heard people mention to or about you. I would like you to make a list of the qualities others have noticed in you. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors. You could be someone who inspires others when they go through hard times.” 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. enthusiasm. not in a religious way. but in the renewal of spirit. Maybe your mom has always said you are hard working. Or you may be the employee that handles confidential matters at your company because the boss trusts you most.Lifemoney The world is full of born-again success stories. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. You’ve just done an assessment of the qualities you see in yourself and that you find positive. you are on your way to getting there. Your list could look something like this: 44 . The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. And maybe your list reveals a part of you that loves physical activities and accomplishments. If you do. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages. So take this time to remember or remind yourself of what you want out of life. That means laying the mental framework now for the physical action you will be taking later.

you’ll probably find that you are drawn to things you think are fun. It’s our job. This makes it that much easier to achieve your goals. Since most of us do a better job with activities we enjoy. but I don’t think you can do well unless you’re having fun.Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first.” -Derek Jeter 45 . Lifemoney Currency “You gotta have fun. we’re playing a game. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. You need to keep this in mind as you plan your goals and how you will reach them. Regardless of how you look at it. Now you have an even better idea of how to play to your strengths as you set up goals for the future. It’s business. Things that are fun for us are those that match with the ability to use these character traits.

My mom’s cat died and I had to bury it. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good. and then do a half-hearted job when you get around to them. you can get into some real trouble. As long as you keep fooling yourself.Lifemoney What Are Your Limitations? Let’s be honest. The machinery isn’t working right. Everyone has weaknesses. It’s part of being human. You do. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . “I don’t have any major flaws. I got the materials (or information) late. As soon as you say. But if you don’t admit to those limitations. right? I do. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. I have a saying: denial does not change reality. But all the while. Maybe you have a lazy streak (sometimes I do).” you’re finished. You put things off. working around it or improving it. I didn’t know what I was supposed to do. and moving on. you will never be able to deal with the issues that are holding you back from success. Everyone has flaws! But successful people understand the value of admitting to a weakness.

For instance. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. You also can add things about your character that could benefit from improvement. you can have the best intentions in the world when interviewing for a new job. Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait. or not taking shortcuts on a project.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. even deciding how to invest the extra money you’ll be making. what good is all that positive self-talk? 47 . telling yourself how it will be as a stepping stone to reaching your ultimate career goals. But if you’re late to the interview. like being able to say “no” when you don’t want to do something. These could include personality drawbacks. write a brief description of an incident where this particular quality had a negative impact: • • • Overbearing—offended a good friend of mine Sloppy—embarrassed my girlfriend at her company picnic Late—arrived late for an interview and didn’t get the job As you begin to link certain behaviors to unwanted outcomes. like shyness or arrogance. Now write down a few of your weak areas.

is useless if you don’t act upon it. There are so many things you can do. Derek Jeter. the minute you start passing the buck. Take stock of their weaknesses and work hard to improve them 2. Always assume personal accountability. 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. especially self knowledge. Don’t blame the weather for being late. They did what it took to climb the mountain of their success. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. 48 . for their triumphs. and their efforts paid off. get rid of it. for their failures.” Instead. Of course. they blame themselves In other words. that’s just me being me. they: 1. Eat breakfast on the way and tie your tie in the parking lot. for their inactions. Knowledge. for their actions. they blame themselves 5. Don’t blame the product for being inferior. And action means work. Don’t blame the economy for low profits. they blame themselves 4. so take action. But remember that people like Donald Trump. for their strengths 3. You may want to start working on these weaknesses one at a time until you start seeing better results. Bill Gates. and Russell Simmons didn’t earn their millions by making excuses. for their weaknesses.Lifemoney Successful people don’t write off damaging personal traits as “oh well. it’s easy to throw in yet another excuse about finding the time to make these changes. don’t write it off as a cute character flaw.

Then be fearless about taking it.com. Another example was a short lived photo search engine called Riya. Maybe you’ll take a route that no one in your family or neighborhood has tried before. So rather than dubbing the whole project a failure. then choose something that includes some type of numbers work like accounting or investments. you can find a path—or blaze a trail—that will lead to your personal happiness. Using mistakes as useful information is the way many large companies are innovating. the lessons learned provided the originators with priceless information which allowed them to create Like. then do the work it takes to eliminate weaknesses and build on your strengths. Whatever your interests and skills. But within weeks they discovered that their great inventions were totally useless. They decided to view “failures” as information sources for building new things. If you’re good with numbers. they viewed the results as useful information. Maybe you’ve already tried success “your way. Though it was a full blown failure. 49 . one of the most successful photo search engines on the web. What matters is that you freely explore any path you wish until you find the one you are destined to travel. if you like words and books choose a different road to your success such as writing or communications. They treat everything they try as an experiment. Or it didn’t last. 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.” but it didn’t work.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. On the other hand. Or then again you might end up on the exact same path your grandfather took a century ago. Google created an early version of Google toolbar with all kinds of great features. For example.

a publishing house. Consider one the top 50 business influencers of the 20th century. Many successes start right where you are: not knowing themselves very well and beyond broke. Starting with a little mouse.S. Twenty-six times. Walter Elias Disney. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow.” Just think of that for a second. Morgan was to finance. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. It’s easy 50 .” -Michael Jordan Buy Stock in Yourself Do you think successful people are born knowing themselves? Or maybe they had money to make money? Neither one is true.. France. Theme parks with the Disney name are located in the U. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories. and they don’t let lack of money or support stop them.P. and Japan. Disney was to fantasy what J. a film studio. I’ve failed over and over and over again in my life. Disney founded a $20-billion media conglomerate that includes a TV network. “It all started with a mouse. But they know enough about themselves to know what makes them passionate and hungry.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. an Internet operation. I’ve lost almost 300 games. and a worldwide store chain. I’ve been trusted to take the game’s winning shot and missed. As Walt himself recalls. And that is why I succeed.

Through rejection and derision. 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. He stuck to his singular vision of himself and is now revered as nothing short of a genius. but what if it’s never been done before? That’s the dilemma Walt faced. The reason for this exercise is to begin the process matching your abilities to some of the things you want. This is done for two reasons.Knowing Yourself to imagine success when it’s already been done before. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish. So let me ask you again. Under each thought you write. Now. finding a life partner. as well as any new talents you may choose to develop along the way. never let the world tell you that you can’t do something just because it’s never been done before. Two. list the qualities that you think you would need to achieve them. Remind yourself of the unique skills you bring to the process. it will help you understand if you are looking for success in the wrong places by objectively 51 . Stay centered on who you are and the goals you want to achieve. But more importantly. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. never tell yourself that you can’t do something because it’s never been done before. such as getting in great physical shape. landing your dream job. or building financial security. Goal Achievement Exercise E Take out your Workbook. failure and distraction along the way. Walt Disney held firm to what he knew. One.

be careful what you wish for. Knowing Yourself. 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. For example. Make Less . You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. screaming fans. adoring women. Understand that fortune and fame doesn’t equate to success. knowing yourself and being true to yourself makes you successful. because he knew he couldn’t be happy doing anything else. and comparing those qualities with what you deeply desire to develop within yourself. Here was a guy who seemingly had it all – loads of money. What remains important is that you feel successful at every step of 52 . Why? Turns out he had Lifemoney Lesson # 2. making a million dollars doesn’t necessarily mean you will be happy. down cold.Find More As you learned in Lifemoney Lesson #1.Lifemoney highlighting what’s required for success. Know yourself and double check your motivations for success. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. if you want to make a million dollars. because when you get it. it might not be what you expected. As an example. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. the Hollywood Dream – and he left it all behind to risk his life and fight fires. In other words. you must understand why you feel a million dollars will equate to happiness.

The businessman had no problem going out for just a few hours while his own wife visited the spa. and that most of his day was spent with his wife and children. the two men took the boat out on the seas.Knowing Yourself the process. detours. but that he only went out to fish a few hours each day. The next day. The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege. See how that works? If you say “I’ll be happy when…. today. They recognize that success is a journey. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide. or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership.. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii. where they are right now. Although success is a worthwhile goal. Ask yourself this: What happens until then? Truly successful people make peace with. While there. While waiting for the fish to bite. and that to skip the rest stops. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water. he asked the locals if there was a fishing boat that went out daily. Fisherman Joe told the executive that it would be a pleasure. not a destination. and enjoy. obstacles and roadside attractions along the way is taking away from true success. progress at any price should be more than most of us are willing to pay. the executive was impressed with Fisherman Joe’s skill and 53 . like “I’ll be happy when I make my first million. So many of us set conditions for our happiness.” you’re in the conditional happiness trap.

Although Joe was reluctant to leave his comfortable home and family while working in L.” The shrewd executive knew a good thing when he saw it. as though he was unaware of the value of his skills. and remove himself from the enjoyable part of his business—fishing—he did it anyway. Joe shrugged. Joe agreed. who had reached his goals. and then working a fleet. I know their habits. 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. asking if he could cash out his shares and return to Hawaii. The two men moved the business headquarters to Los Angeles. After a slight hesitation. “and take home what’s leftover for dinner. Working day and night was more than he had expected. He spoke to his partner. The prosperous businessman. The business life was not satisfying. “How do you get so many in so short a time?” the businessman asked. But Joe was now worn out. for the man seemed unusually humble. “How would you like to go into business with me.A. Finally. “After so many years.” “What do you do with them all?” the business man asked. Soon business was booming. had no problem and 54 . After five grueling years. “I sell most of ‘em. Joe knew that being in L. truly amazed. Just a couple of hours a day supplies all my needs. Fisherman Joe went from working full-time on his boat to getting three boats. Joe decided he could not take this life anymore. they finally went public. would aid his partner’s goal of taking their company public. and did not really enjoy what he was doing.” Joe replied.A.Lifemoney ability to find the best spots to reel in a terrific catch for the day.

” The moral of the story isn’t that we should not try hard or set high goals. “From fishing a few hours a day to a multi millionaire. a popular magazine interviewed him. but he ventured away from it for more money. But Joe found it a waste of five good years of his life. He already knew what success looked like to him. and he ended up doing exactly the same thing. the entire experience had been a detour from Joe’s own sense of success. so I can fish a few hours a day. The interviewer was amazed by Joe’s journey and the story behind his success. “I’ll get a small fishing boat. “Yes. what are you going to do?” Joe replied that. 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. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. and many might have found it fulfilling. Both of them found success in completely opposite directions! 55 . it is. It’s that you should know what you want out of life. Before Joe left. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams.A. that’s quite a journey. his journey brought him right back to square one.Knowing Yourself wished Fisherman Joe well. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success.” the interviewer commented. This journey was quite productive.” Joe replied thoughtfully. In the end.. and then I am going to spend the rest of my time with my family. Two very different men viewed the exact same experience in two very different ways.

These assessments are available all over the internet or by looking in the Yellow Pages. Lifemoney Currency Understand that fortune and fame don’t equate to success. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. you may find your work unrewarding. They can measure your characteristics and ability to acquire additional skills. No one knows better than you where you feel confident versus where you feel unsure of yourself. Certain occupations will be a better fit for you than others. take an aptitude test. unchallenging and even difficult. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. Assessment testing can also help find your natural strengths. But he is the exception to the rule. go for it. Do you have that drive? If so. Is that a realistic goal for you? It was for Spud Webb. and if you work in a field that doesn’t match your natural abilities. Sometimes it will take that much more work. who not only played professionally. and effort to reach something that is much harder to attain. just understand the obstacles that you are going to face. Aptitude tests can provide some insight into your talents and abilities. A local community college may also offer these assessments free of charge. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. If you don’t know where your talents lie or still don’t know what you feel you would be good at. -Brad Turk 56 . time. being true to yourself and finding your happiness makes you successful.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at.

Knowing Yourself

Knowing Yourself Summary
We focused this lesson on discovering who you are and who you want to become. Answering these questions lays the groundwork for success. If the groundwork isn’t solid, the whole house will crumble. Remember that anything you set your mind to, you can achieve. The only limitations you have to achieving your goals are the ones you set for yourself. Use your understanding of your strengths and weaknesses to achieve your goals and you will achieve excellence. The best part is that when you know who you are, you’ll achieve it on your own terms.

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Lifemoney

Lifemoney Currency
“There is no discrimination against excellence.” -Oprah Winfrey

Millionaire’s Checklist:
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.

Lifemoney Currency
“View mistakes as missed takes - take mistakes and learn their relevance.” -Brad Turk

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Overcoming Obstacles

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

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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.

Step Up
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

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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). Once they decide on that goal. Goal Achievement Exercise F Take out your Workbook. Every successful person I know has clear goals they’re reaching for. Start by Writing a Goal Goals form the cornerstone of any new beginning and are the first of several steps you’ll need to get where you’re going. make a list of your top 3 goals that. obstacles became simply inconveniences to be overcome. His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. Now let me tell you about another hip-hop artist you’ll probably never hear about. would make you a happier person. 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. Kanye West vs. And they don’t allow $2 tokens . For this exercise. That’s because he had more daydreams than plans.to side track their journey. Mr. when accomplished. For two full days this artist could not come up with the resources for even a $2 token to get there.or the opinions of others . It’s time to write some goals right now. It is the first step of turning the thought of doing something into the reality of achieving something. Nobody. Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal.

or better than you. They happen every day. The problem with dreams is that we’ve dreamt them for so long.Lifemoney o Objective: Get travel agent license o Objective: Build out basement to accommodate office o Objective: Save up enough money for expenses and a salary cushion • Goal: Opening your own bakery o Objective: Find 2 bakers o Objective: Find a location o Objective: Do a business plan • Goal: Starting a vintage car website o Objective: Find a website developer o Objective: Research cars that could be placed on website o Objective: Legally incorporate your company At this point it’s common for people to feel a little insecure or anxious about finally seeing their life goals and objectives written out. they simply learned these lessons a little sooner and applied them a little earlier. stronger. Relax. that’s natural. Dreams are real and they do come true if you follow this path. get started! 62 . Those people are not smarter.even thousands of people who have applied action and planning to make their dreams real. or read a book and you’ll see hundreds . Now is your time. it’s often hard to see them as real. Just watch television. listen to the radio.

Prepare for exam iv. We all know that goals just don’t happen. It’s what lies in the gap between setting goals and achieving goals that separate Kanye West and the no-name rapper I talked about earlier. Goal Achievement Exercise G Take out your Workbook. timeframes. Below each. Understand the testing process (where given. Let’s set up an action plan for your goals right now. An action plan is just a series of steps you plan out ahead of time to take systematic action. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal.) iii. Start looking into office furniture and equipment iii. Order a separate phone line from the telephone company iv. etc. Find out construction costs for renovation ii. Clear space for new furniture 63 .Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. What bridges that gap? Action steps. Research classes that offer test preparation for agent exam ii. break the list down into three or four action steps you would need to take in order to reach that objective. It could look something like this: Goal: Open a home based travel agency: Top three objectives and possible action steps: • Get travel agent license i. Schedule exam • Build out basement to accommodate office i.

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. deadlines slip sometimes and you have to readjust your schedule. Let’s say you want to own your house debt free within ten years. Now you’ve written goals and some action steps that lead to the goals. but they also add urgency to their goals by making themselves accountable to deadlines. Sure.Lifemoney • Raise and save enough money for expenses and salary cushion i. So not only do they spend a lot of time managing their time. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable. Figure out a budget of what the business will cost ii. 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 . Start putting away money weekly toward travel agency iv. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. objectives and action steps. Figure out what amounts of money will be needed to live off of while building the business iii.

and action steps. As a result. Timelines do not mean deadlines. Schedule changes or circumstances may require adjusting a date now and then.Overcoming Obstacles realize that this goal does not have a reasonable timeline. and then they set times and dates when things will be completed. objectives. be VERY realistic about your timeline. With a large goal like opening a new business. For instance if you want to start your own bakery. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. Beside each of the objectives and action steps. Unfortunately. The goal is still reasonable. jot down a date for reaching them. give yourself a year. rushing into it is more dangerous than not starting it at all. You’ll need to adjust. Let’s actually do it now. objectives and action steps. If you need a year. and that gets your heart rate back within normal ranges and allows you to actually sleep at night. but it’s also easy not to take. You must schedule your goals. but the timeline isn’t given the circumstances. Goal Achievement Exercise H Take out your Workbook. they identify action steps. many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. they are guides. Go back to the list of goals. 65 . but for the most part. Successful people set goals and objectives. not written in stone. give yourself six months. This is an easy step to take. you should set reasonable deadlines and do everything you can to meet them. many people leave this step out and things just never get done.

His solution was to write everything down. Anything of importance that needed to be followed up on was immediately put in his Palm Pilot (that was/is his tracking and “things to do” vehicle). I told him. Never underestimate the influence of actually seeing your goals written out and in front of you every day. About 30 seconds of silence went by and he asked me why I became quiet.” 66 . you might have to adjust your action steps or your due-dates to make them more reasonable. I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. I actually had a business partner who is one of the smartest. most talented and gifted people I know. I stopped and paused. After he said he was going to take care of one of the items that I did not want to do. Write It Down Words are priceless. he knew how to compensate for his flaw and it practically never affected his work or his success. He probably had the one of the worst memories I have ever seen. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it.Lifemoney If you keep on falling behind and have to reset your dates. I learned early on a major flaw that he had that amazed me. Like most successful people. “I’m waiting for you to write that last item down. The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline. Written words are also great for organization and focus.

annoying. Set aside some time each morning to review your list and begin working on the listed tasks. moving you closer to achieving your goal.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.” -Les Brown Goal Achievement Exercise I Make a daily written. and visualized steps. You may not get everything you had planned done in a given day. reserve a block of time to do what needs to get done. “To do” list which you will reference daily. Keep it in the notebook you have been using or in a calendar program that you can keep handy. measurable. Every day you should be aware of all your goals and the steps needed to attain them. You should get the boring. 67 . For goal setting you will need to prioritize tasks. even if unpleasant. committed. Do the important. and anxiety producing things out of the way when you have more time. realistic. you may be able to do more things in a day. Here are a few tips for using your daily “To Do” list: 1. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. over time. tasks first. you may need to break down the week by hours to make sure you are managing your time properly at first. Depending on how organized you are. set deadlines. and plan specific.

I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up.Lifemoney 2. I have a main list at home and a daily list that I take with me. Computer programs and electronic organizers can save you a lot of time over manual lists. I know I could come up with a more efficient method. do what works for you. I want to start playing more basketball. It’s just something I want to get around to doing more often. So if you need post its. but it is visible and reminds me daily to get out and play. Although I suggest technology. Carry a pocket-sized list with you at all times. 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. For example. With computer programs and organizers you can adjust lists quickly and neatly. and I am happy with it. 4. We need to take luck out of the equation. Learn how to use technology. Obviously. I don’t recommend this method. you plan to fail. but it works. 3. I will do things like leaving a basketball by my front door. your PDA or phone alarm as a reminder. I do this. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. but it is not really a priority that I want highlighted on my daily to do list. -Brad Turk 68 . It is not in the way.

it is extremely difficult to sell value at two times the cost for the same product. Successful people use their Lifemoney skills to look at obstacles as opportunities. 69 . My problem was that I was the one handling those smaller customers.” Unfortunately. There were a lot of smaller companies. with fewer expenses. The MCI philosophy was “we’re selling on value. I found that MCI was one of the highest-priced long distance service providers on the market at that time. These companies were offering rates that were about half the price of what we sold.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. not stumbling blocks in their path. not price. Adversity and obstacles will come up along the way whenever you start setting goals. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. because it mostly affected the smaller customers. But MCI was not concerned with this. Whatever obstacles have been preventing you from starting your journey. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. Mental and physical preparation is essential to finishing any journey. and you must be mentally prepared to deal with them. Most of their larger customers simply wouldn’t take a chance with a smaller. They step up and success is their reward. now is the time to knock them down forever. newer provider. taking market share away from MCI and AT&T.

but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. Lifemoney Currency “If you don’t like what’s on TV. This was the beginning of a booming market. list possible or proven obstacles or fears that may be keeping you from reaching your goal. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. Be honest and write every obstacle and fear you can think of. The turnover rate for my position that year was 95%. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. Below that. Describe one of your main goals in a sentence or two. Then come up with the solution/objective and an action plan. I was fortunate enough to look where others were not and I weathered the storm by linking to a product that was starting to turn hot: prepaid phone cards. I started looking for other products to sell even though long distance was supposed to be our main focus. That meant that for every 100 reps starting at MCI. 95 left or got fired. let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. Luckily.Lifemoney I quickly scrambled to find a solution. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . With firm goals and objectives in mind from Exercise F.

etc. shapes. etc. so you will need to spend some time figuring out the possible or probable barriers to your goals. People just like you and I. • I can’t afford a plane. and manageable. 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. etc. So how do they do it? They are not superhuman. focused. save money for classes. • I don’t have a plane. These obstacles come in all sizes. start a savings account with regular deposits. clear. So is flying an airplane impossible? Of course not! People fly planes every day. It’s like your teachers used to say in school: “You’re only cheating yourself”. but they are action heroes. Here’s an example of what your obstacle list and action plan could look like: Goal: To pilot my own airplane Obstacles: • I don’t know how to fly. Each part of this process should be specific. Objective: Take Flying Lessons Action Plan: Research Classes. 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. so that you will 71 . find an online interest group. Objective: Find out about buying a used plane Action plan: Find out about bank loans. and colors for different people.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams.

allowing failure to be an option. 2. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles.” -Brad Turk Three Huge Obstacles In my life as a successful businessman. making excuses. you’re probably going the wrong way. we learn from our success and failures to meet the next obstacle with even greater results. stay clear. They say if everything’s going your way. and manage your way to achieving your goals. procrastination. Lifemoney Currency “They say if everything’s going your way. the goal suddenly seems reachable. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1. All of these steps we have completed so far help you get focused. Let’s examine each of these and ways you can beat them every time. As with this goal of flying.Lifemoney end up where you want to be. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. or even when we face them with not-so-successful results. and 3. you’re probably going the wrong way. When we face challenges and overcome them. That’s because life is supposed to be a challenge. Number 1: Procrastination 72 . your real goal at first may seem almost impossible to reach.

” “My wife’s nagging won’t let me think. It’s easy to put off making a plan for starting the journey to your goals. procrastination is one of the worst enemies of success. We say things like: “I’m too busy. To me. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4).” “I’m over-committed already. 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 don’t have the help I need. All the time that is wasted procrastinating is not putting us closer to reaching our goals. By procrastinating I mean putting off or delaying an action or task to a later time or date.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination. and some of us are experts at it. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments.” “I can’t find a minute to myself.” “The kids need me right now.” “I’m too tired. too.” “It costs too much. 73 . or avoid taking action steps once the plan is made.” The list goes on and on.” “My husband says it won’t work.” “I don’t know where to start.

be they people (your lazy cousin Eddie). Just do it! Example: When it’s time to go to the gym. Just get up and go. Don’t think about the whole thing. go. places (the mall). you might be feeling up to doing the cardio. Even pick one of your favorite exercises to start. We all know time-suckers. Instead of doing the dreaded cardio. Maybe after that is done and your body is in motion. 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. Example: You are on the way to the gym and your buddy calls you to go out somewhere. Example: If you’re not feeling well and you are supposed to do cardio and weight training. or things (Xbox/housework/chores). Don’t think to reschedule it for a better time. just go and focus on doing the weight training. You’ll feel better after you do. You tell T 74 .” -Robert Frost h i nk about that quote. Or don’t think about not feeling that well at the moment. do “a part” of the task. Maybe a part that interests you most.Lifemoney Lifemoney Currency “The world is full of willing people. • Do a part of the task. some willing to work. • Avoid people or things that will take you away from what needs to be done. the rest willing to let them.

Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. colleague or friend. he’ll be waiting for you when you’re done. 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. Example: If you don’t feel motivated to go to the gym and you dread having to go. not the steps it takes to get there. think of how you are going to look at the beach. • Write down why you’re avoiding the task. All successful people meet their obstacles 75 . fold it up in their wallet. visualize the result you’re after.Overcoming Obstacles him you can’t but he is persistent. Many successful people consciously visualize a result before beginning a task. Yet most of us grab onto great ideas for self-improvement without much thought. If failure is always an option then success may never be within reach for you. • Focus on the results. and spend every waking minute realizing their goal. which explains why a significant number will fail or relapse when the going gets tough. get a friend involved or find someone at the gym who keeps the same workout schedule. Sometimes we just need a little outside perspective from a family member. You can hire a trainer. While this may be extreme. Example: If you need outside motivation. I’ve seen people literally write down “make a million dollars this year” on an index card. You need to be firm and stick to your plans and continue on to go to the gym. find a workout partner. don’t think of the exercises that you need to do. not the task. • Find a partner. For instance. If he’s a real friend.

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. Sylvester Stallone went through huge trials and tribulations as a writer. How far are you willing to go for success? If you concede failure before you even begin. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. Stallone refused to fail. Much like the boxer in his now famous movie. at last. you may never know. He persevered until. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. star and creator to see his project come to life. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed. 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. 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 . he found a movie studio willing to buy both his script and his portrayal of the main character.

This becomes a lifestyle challenge that you must address. you may be tempted to light up with your buddies at the bowling alley. But it is never too late to achieve your desires. Being a doctor has been her desire since she was a child. At the age of forty. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights. For example. Emotionally speaking you may be thinking it’s too late for you to change.Overcoming Obstacles • • • • • Do you need technological expertise? Should you take a class? Should you attend a marriage seminar or see a marriage counselor? Should you seek help from a professional consultant? Who do you know that could be a possible business partner or help you connect with the right business partner? • Do you need to network with others in your field to enlarge your knowledge boundaries? • • • • Will your current job or career environment support these needed changes? Does your company recognize and reward growth? Can you make more money or advance more rapidly at another company? Does your company pay for tuition reimbursement? Answering these questions might require some habit changes. 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 . if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke.

and approaching your supervisor at just the right time to maximize your chances for success. Lifemoney Currency If failure is always an option for you then success may never be. maybe even a small one. they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do. But guess what? Excuses are worthless! There is never a need to make an excuse. when you make an excuse for not doing something. Rather than making excuses. Your action steps might include dressing the part of the higher position. Excuses are probably one of the biggest obstacles that keep you from achieving your goals. Your elaborate reasons will not impress anyone. Start with one goal at a time. be definite and defined about the action you will take and when you will take it. Number 3: Making Excuses Excuses are very powerful. This is just not acceptable. -Brad Turk 78 .Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. the thing you were suppose to do did not get done. working overtime to prove your usefulness. The bottom line is. like earning more money by asking for a promotion.

timelines and an idea of some of the obstacles you’ll face.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. That means creating a written plan for reaching a specific goal. I am ready to create goals. Lifemoney Currency: Good things don’t just happen by themselves. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. I have a good idea of my action steps to reach each goal. _____ 2. objectives. action steps. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. We need to do everything in our power to make them happen. Being prepared to face them is a huge factor in overcoming them when you meet them. The plan should list the goal. We need to do everything in our power to make them happen. Whatever you do. and then tally your score. 79 . Let me repeat: NEVER FORGET to anticipate that obstacles will come up. remember that when this process is complete you are ready to step on the gas and head on toward your destiny.

_____ 9. I have plans to fully and completely address all roadblocks to my success. I have created a timeline for my action steps that appears to be reasonable. _____ 4. I have thought about some of the obstacles I may face. ______5. Lifemoney Currency “Excuses will get you everywhere.” -Brad Turk 80 . I am ready to stay committed to my written plan and see it through with daily reminders.Lifemoney ___ 3. _____ 8. Just not where you want to go. No excuses: I will not let myself off the hook. _____ 6. I am looking to see how technology can make my life easier. _____ 7. I plan to tackle the more difficult things on my “To do” list first. I am ready to adopt the mindset of someone who will be successful. _____ 10.

“Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen. time management. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. discovering fire. good point. you’re right. The five tools are focus.' it would have made me actually look and feel ridiculous. well done. efficiency. and laying the foundation for all mankind.” 81 . inventing the wheel. Learn to use these five with skill and you’ll achieve whatever you can dream. Yeah." Overview Success requires the right tools. priorities and commitment. awesome. 'Good job. My favorite is the one where a television anchorman says to the caveman. like walking upright.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless.

nearly everything in our world is a tool. Technology is just a tool. People use tools to improve their lives.” -Tom Clancy 82 .our tools surround us. you need to select and develop the tools that will help you achieve your goals. We create mental tools to help us achieve greatness as well. Just look around you: for the most part we can run our whole lives by pushing buttons that activate machinery to do stuff for us. cars or computers .stoves.Lifemoney We’ve been innovating and making tools since we lived in caves. Now that you’ve made up your mind to go after your dreams. Though different tools may suit different people best. There was a time when people had to be told how to use a telephone. 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. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make. successful people use many of the same mental tools – and use them well. Whatever the task requires . If you stop to think about it.

Tools for Success

Tool #1: Focus
Bruce Lee, the martial arts expert and movie star, once said, “The successful warrior is the average man, with laser-like focus.” Focus is something we don’t usually hear about but trust me: it is on the minds of every single successful person. Focus is exactly what the name implies; a narrowing of the lens until we get bullseye aim on our ultimate desire. We live in a world full of distractions. There are more TV channels than we can ever hope to watch, an entire industry devoted to creating computer/video games, four new movies to choose from each week, nearly 200,000 new books that get published each year and nearly that many new CDs. When you add in blogs to read, email to keep up with, instant messaging, cell phone calls, and all of the other daily distractions we deal with, it’s a miracle we get anything done at all! It is extremely important to stay focused on your goals. Don’t be distracted by external things. Distractions and challenges will come daily, if not hourly. These could involve the things mentioned above, people in your life, your job, your hobbies, or just about anything else that comes your way. Look past your obstacles and stay focused on where you’re going. This is how you handle obstacles effectively and keep yourself zeroed in on success. Notice I didn’t say you don’t have to deal with the obstacles – you just simply have to return your focus to your goal as soon as you deal with the obstacle. As you begin to recognize some of the common factors that have been sidetracking you and possibly bankrupting your motivation to accomplish goals, you will develop a clearer mindset on how to avoid distractions in the future so you can steadily pursue your personal vision of success.

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Lifemoney

Lifemoney Currency
“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

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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.

Lifemoney Currency
“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.

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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

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While this may be extreme for you.Tools for Success manage time well and you become a master of extra hours. The next time you’re tempted to spend time where it won’t count for much. let alone two or three. contributing to the community. or reaching that goal you think you just don’t have time to reach. minutes.” 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. Donald Trump suggests sleeping only 4 or 5 hours a night. too. driving to the store. Take it a step further and think of how much time we waste every single day. talking over the fence to your neighbor. ignore the invitation and do something constructive. To manage your time better I would suggest four things. busy with multiple high-profile projects including a daytime talk show and cookbook empire. Just pride yourself on finishing projects and never allowing them to linger unfinished. If you wasted just 30 minutes a day on surfing channels. like building a career. weeks. only sleeps 4 or 5 hours a night. enjoying your family. months and even years. finish whatever you start. 87 . days. Rachel Ray. Trump: Think Like a Billionaire. or useful for others or yourself. Second. or browsing the classifieds or eBay for things you don’t need. think of the extra hours you could find just by adjusting to one less hour of sleep per night. insists that she. be very clear about what you’re trying to accomplish each day. Third. If you’re unclear about your objective you’ll be unclear about the time you’re spending. First. interesting. Extra snippets of time come in the most unlikely places. after 50 years you would have spent more than a year of your life “wasting time. In his latest book.

The Shining. While many consider him the “King of Horror. don’t give into time wasters.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. Fourth. You are the only one who can guard your time – no one else will do that for you. all of them bestsellers and featuring such instantly recognizable titles as Cujo. back in 1974. It’s a good lesson for all of us: you might surprise yourself 88 . money. The good news is you're the pilot. King has long said he writes at least four hours a day. King has consistently published three or four novels per year. Remember that your time is your time.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. or any other resource you have available. except for three: his birthday.” the author is also the mind behind movies like Stand by Me. Someone who knows a little something about being efficient is Stephen King. So even though he is not working 10 hours a day on his books. the Fourth of July and Christmas. How does one author manage such a staggering number of pages? The answer is efficiency. Salem’s Lot. The Green Mile and Hearts in Atlantis. the author of some of the world’s most popular novels. and Misery. Carrie. Lifemoney Currency “The bad news is time flies. every single day of the year.” . he is efficient with his time and committed to writing practically everyday. Since publishing his first novel. energy.

Not pushing paper or daydreaming. Ask yourself. but efficient work. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. weigh each one with a view to your goals. from time spent with friends to starting a home-based business. My guess is that you will get more done in four focused hours than eight unfocused ones. Goal Achievement Exercise L Take out your Workbook. You also should get in the habit of counting the “efficiency cost” of each decision you make. when you get the chance to make decisions. Let’s do an efficiency exercise.Tools for Success how much more you could produce in your own life with four highly concentrated and efficient hours per day of real work. Everything in life has a price tag. you may need to reconsider that decision. From now on. In other words. 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. some activities are more efficient in getting you 89 . 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.

or even minor. but efficiency of performance is what wins the game for the team. 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 . time. get in the habit of asking questions like these before making major. Using time efficiently is a huge obstacle for many people who are would be success stories. consider making changes like these to enjoy life now while working toward a better one for the future: 1. For that reason. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life.Lifemoney toward your goals than others. Some things are worth their cost but others can end up draining your resources and bankrupting your investment.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. especially future goals. I want you to realize a few things about time and think about ways you can use your time more efficiently. and effort? What must I give up in order to make this work? How will this choice bring me closer to my long-term goal? Will this decision prove worthwhile in the future? Lifemoney Currency “A particular shot or way of moving the ball can be a player's personal signature. Ride your bike to work to relax and get some exercise. decisions: • • • • How much will this cost in terms of money. To better manage your time and utilize your time more efficiently. In order to focus and spend your time more efficiently.

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. 2. Setting aside one hour at the end of every week to analyze how well. Monitor how you’re spending your time. kids get sick. between important tasks. Eliminate the hassle by making something you have to do anyway. or both. Unfulfilled lists lead to depression and disappointment. they often remain unfulfilled. we can’t perform task after task without stretching our bodies. Set aside “unwind time” after work or school. 5. neither of which fosters success. When we schedule a block of time. 6. When viewed wisely. We are not computers. Don’t overfill your “To Do” list. television can be a valuable tool. 4. most don’t. Get a Spam filter for your e-mail. and make any needed adjustment. When our “To Do” lists are too full. exercise. 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. Many programs offer everything from stock tips to weight loss programs to informational documentaries. Watch less TV and do something more productive. with planning and forethought. which can be as little as fifteen to thirty minutes. like getting to work or going to the store. Things do not always go like clockwork. or poorly.Tools for Success to accomplish in the first place. you managed your time that week can save you hours the following week by learning from your mistakes. spouses need our help. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. we tend to perform those tasks more efficiently. minds. 91 . cars break down and bosses demand overtime when you least expect it.

10. If you’re stuck in traffic. don’t worry about the rest. there would be so much less to worry about. open the window and enjoy the air. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. Mason Cooley once said. especially when it’s spent in waiting rooms. get dressed. even when it’s spent waiting for things. you would not have a roof over your head. I usually use car time to catch up on calls that I need to make. Appreciate unexpected delays. wishing you could be outside. You get up. 8. “Worry is not thought. we gain not just precious moments but momentum. 9. Tool #4: Priorities What are the priorities in your life? For many. Bring a book to all your “doctors visits. etc. creative people. Entrepreneurs. and get going to a job so you can take home a paycheck every few weeks.” 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. 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. lobby lines. complaining is not action. Only focus on things you can control. Use waiting periods wisely.Lifemoney 7. the day begins with the priority of going to work and chasing a paycheck. Take a break to relax and listen to music. Think of the day you were sick in bed. 92 . food to eat. in restaurants. or a car to drive. Without those paychecks. waiting for appointments. When we learn to use our time – all of our time – wisely. Always carry something to capture your ideas.

The third suggestion for prioritizing. If your goal is to write a letter to someone. don’t spend three hours cleaning your desk so you can get started. Don’t multi-task and try to accomplish too many things at once. 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. complete all the important things at the beginning of each day. Choose a priority and be a finisher. Don’t do busy work. Then commit to giving your best to your life and to your goals daily. The need for a clean desk before you can begin is less a necessity and more of an obstacle. You come home to people that mean a lot to you. You can easily become distracted doing this and usually nothing gets done right.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. Second. Finish what you start when you start something. 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. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. 93 . In other words. Focus on one step at a time. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. Do whatever you’re doing all the way. and take time to spend with the ones you love. 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. something or someone important is going to get short changed.

Fifth. Sometimes you might want to consider sharing profits or payoffs in order to get needed help. Pay less attention to things that come up but have no relevance to your goal. I could do it myself. create a sense of urgency for important activities that are going to be meaningful in your life. I never answer my phone unless it is a call I’m expecting.” -H. and freed up some of my time to work on other priorities. Take on only what you want to do and say no to the rest. don’t be afraid to say “no. One example from my life is that I pay to have my laundry done. Lifemoney Currency “Don’t say you don’t have enough time. my partners and I had a synergy allowing us to accomplish more in less time. Even though I had to share the profits. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. it was worth it to me. give up the little things that scatter your time and energy. Thomas Jefferson. Together. But why spend hours handling that task when my time can be put to better use? Last. You have exactly the same number of hours per day that were given to Helen Keller.Lifemoney Fourth. I would often share sales opportunities and business deals so that I would have less work to do. Sure. and Albert Einstein. 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. Pasteur. Your time belongs to you. That will only take me away from my priorities. Mother Teresa. Leonardo da Vinci. Michelangelo.” Delegate worthwhile projects that can be handled by someone else. Jackson Brown 94 .

you need to make your goals – things to do – daily activities. would you? 95 . when someone buys a house. I learned that through most of those ten years he had worked 10-14 hour days between his job as a paramedic and a bartender! I asked him how he found the time and energy for working out at this pace. It was something he had to do. he told me that he hit the gym five times a week. they make a commitment to the bank. His response was that working out was one of his daily events. besides his normal two week break. it was like brushing his teeth. When I was talking to him about his workout plan. Then the real embarrassment came: after going over his working arrangement. I have a friend who has been bodybuilding (or body sculpting. we call it a mortgage. a key part of your lifestyle. consistently. as he calls it) for over ten years. 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.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. For example. I was amazed at his dedication and commitment. My response to him at that time was that I would love to make that commitment but that I was too busy for that type of schedule. In the same way. When we make an appointment to see the doctor. 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. he had not missed a single week of working out. In the last ten years. You wouldn’t go a whole day without eating. However. eating.

I saw him) to a few months later running 26.260 income tax returns will be processed incorrectly this year 2.517.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268.200 books will be shipped in the next 12 months with the wrong cover 5. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation.9% effort were given.9% effort will not get you where you want to go. 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. Here’s a breakdown of how things might look if only 99. Go big or go home. because a 99. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. 22.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon. this was based on a study done in the 1990’s that circulated in email: • • • • • • Two million documents will be lost by the IRS this year.500 defective personal computers will be shipped this year 2. He set a goal and did not stop until he reached it.000 checks will be deducted from wrong bank accounts in the next 60 minutes.2 miles. give 100%.488. Daddy's House Social Programs and the public schools of New York City. Follow through. You have no choice really. He went from hanging out and drinking at clubs (I know.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 .

Jamie was already a 97 .” He did not believe Jamie could pull off the part. 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. often unsafe. The director.Tools for Success • 3.000 incorrect drug prescriptions will be written in the next 12 months 114. saying Oliver Stone didn’t know what he was talking about. Jamie could have easily walked away. next Thursday and every day in the future on defective. Any Given Sunday.690 will be spent today. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20. tomorrow.500 mismatched pairs of shoes will be shipped this year $761.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18.900 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. He even went so far as to tell Jamie that he “would not waste one inch of film on him. wanted nothing to do with Jamie. Oliver Stone.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9.

Lifemoney successful comedian/actor. Cooper. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . Second. I heard that after Oliver saw the audition tape. and he had already done many TV shows like In Living Color. But that’s not how Jamie viewed and approached it. remember to get and stay focused on success. He had also starred in several movies by this point. Moesha and Hanging with Mr. Lifemoney Currency Never. The Jamie Foxx Show. I think it is fair to say that although it turned out to be a great part for him. 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. First. They are humble enough not to think they are too good to put in the extra effort. he said that he couldn’t make the movie without Jamie. Roc. never give up. never. at that point in his career he did not need the role. He had his own TV show. So that’s how successful people handle getting something that they want. they are confident in their abilities and they stay committed until the task is accomplished. -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.

Third. make a commitment to embrace your goals and make them part of your life.Tools for Success second. Last. or hour passes it is gone. Fourth.” -My Mother 99 . and resources. Lifemoney Currency ”Success doesn’t come to you. make efficient use of your time. 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. talents. you go to it. minute.

I am taking steps to avoid or redirect or see beyond these distractions. I am willing to delegate some tasks to others. _____ 9.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. and then tally your score. I have made a list of the major distractions in my life. _____ 6. _____ 8. Lifemoney Currency ”What you can’t fix. _____ 10. I am “do or die” committed to doing what it takes to reach my goals. I have identified my focus and am ready to pursue it wholeheartedly. _____ 3. I am learning to make choices that will lead me toward my dreams. I have evaluated my schedule and am eliminating the time-wasters. _____ 2. _____ 5. change or impact – You can’t worry about” -Brad Turk 100 . _____ 4. I am determined to include my goals in daily lifestyle activities. I am taking specific steps to make better use of my time. _____ 7. I have begun sorting high priorities from non-essentials.

as long as you are going forward. Gardner believes he has over $600 in the bank. he took on the role of a complicated. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. and one day you look back and you’ll be surprised at where you might get to. to 101 . but just starting down the road to success is one small step for you. At one pivotal point in the movie. You may not feel like you’re making much progress yet. You add them all up. only to find out later that the IRS has seized the bulk of the account. Progress Report When Will Smith played the lead character in The Pursuit of Happyness. your plans for reaching your goals are in play. one giant leap for your life.” -Christopher Gardner Overview Finally. compassionate and ultimately successful man named Christopher Gardner.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count.

and literally withdrawn it from the account. Busy work doesn’t get it. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter.000 for everything you need to get started. It will cost about $5. filled out paperwork for an extension. For example. The resulting loss sent Chris and his young son onto the street. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. it will most likely take months. When things take time. 102 . Instead. While the event seems tragic. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. to do everything that you want or need for your dreams to become reality. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. You’ve decided that you’re going to launch your t-shirt line six months from now. including printing. if not years. you need your plan clearly laid out and a means to track how you’re doing. shipping and delivery of the first 2. But don’t worry: patience and paying attention brings progress toward your goal. But this motion is not complete unless you are taking active steps to measure your progress and know where you are on your journey at all times. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred.500 shirts to local retailers.Lifemoney the tune of $600. it’s easy to wander and not finish the essential steps that lead to your goal. 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.

a daytimer. 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. Don’t forget the map! The solution to this common problem is either a chart of your own making. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch.040 in your money market fund.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. or about $160 monthly. but by all means use something. We often just assume things are going to work out once we have our plan in place. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. Were you on track? Yes. shipping and delivery – into place. It’s been a year since you made the decision to launch. But when you check you notice that there is only $4. 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. and you recall spending $300 to get a new bicycle. where you’re going and how you’re doing. Keep it simple. In this example. This means that you will need to save $960 in the next six months. electronic calendar or some other external system. you simply failed to keep track of your progress. Was the goal bad? No. What happened? Well. The simple reality is you need one single visual reminder of what you want. Was it out of reach? No. What happened? Most likely – you made a bad assumption. I prefer a big calendar. but a big 103 . This messes you up because initially you only needed to deposit $110 in the account each month.

Also. I’m addicted to simplicity. As always.Lifemoney piece of paper would do. 2. I make sure I regularly review my objectives. 3. As you can probably tell. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. 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. It’s important to monitor each goal separately so use a separate sheet/planner for each goal. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. Your reminder system should have several key components. Written goals are powerful. 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. They are items that need to be accomplished to get me further toward my goal. I monitor them on a grid which I will introduce shortly (these pieces of information can be derived largely from the work we’ve done in the previous goal achievement exercises). make this sheet physically easy to see as you go through your day. I write these action steps in clear and direct language using 104 . List a Goal: This is where I simply write out my goal – one goal per sheet. Here are my basic elements: 1. so I’ve broken down my own personal system into five easy to monitor factors. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. Let’s find out what they are.

How you arrange your grid is up to you. 5. the more accurately I can tell if I’ve reached what I originally envisioned. I will reach my goal. You can find lists of action verbs by doing a quick Google search for lists of action verbs. and is a great marker of progress toward my goal. I have found that the more specifically this is worded. Create a grid that lists basic steps for reaching your goals. We’ll start with January. a popular time of year for making new resolutions or resetting ongoing goals. Take it out for review often to make sure you are headed in the right direction. I reach my objectives. 105 . If I reach my objectives. creating objectives and action steps. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. Completion: I always mark the date when I’ve achieved each objective. 4. If I do all my action steps. Now it’s your turn. Closure on my objective always makes me feel good. I am going to use an example of setting a goal of becoming a better golfer in a year.Evaluating Progress action oriented words. but below is a model that provides an idea of how yours might look. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. Charting your journey in writing helps to make the whole process seem more real. as well as your response to them. Goal Achievement Exercise M Take out your Workbook. and keeps you in touch with the realities needed to make your goals happen.

Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. Enjoy the thrill of getting better. you may spend another week in January (or whenever the first issue comes) reading articles from the publication as your action steps for those weeks. I will get expert help and assessment. 106 . and how often.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. pros. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. keeping a grid like this one will show at a glance what you are doing. Some weeks. For instance. and equipment of golf. Read one golf magazine article per week to learn more. Year-round practice will improve my skills. you can quickly and objectively measure your devotion and success in chasing your dream. Check yellow pages for indoor putting green. will be spent revisiting an earlier action step. I will make the time to sign up for lessons and commit an hour a week to practice. by the way. I will surf Internet for local golf pros. Outcome I will enjoy my golf game more and feel a sense of accomplishment. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. When you go back and check your grid periodically. Learn terms. to work toward your goal. Even if you don’t fill every moment with related tasks. Call for subscription to Golf Digest. Action Step I will take 2 hours during the first week of this month to write out my plan.

Ask good questions Most people want to know what they did right. If you get the same input from different sources. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. it also forces them to be specific. “You did nothing wrong. Find something that works. chances are it is correct. “Please tell me the three things you liked least about what I did. you could switch to a physical activity approach in conjunction with. I liked it all. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. This is good. remember to adjust the steps to getting there. 107 . To find out if you’re off track I suggest you find out what you did wrong.” This makes them think.” To get better information ask. If. you are now going to get a few things that they were not that excited about. and you found little change in the numbers after a few months. Make it easier for them to evaluate you by asking the right questions. the diet routine. Ask for outside input from people you trust to be honest. 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.Evaluating Progress If you decide to change your goal for whatever reason. Fortunately and unfortunately. Evaluate the input. or instead of. for example. For example. even if that means rotating new activities through the process until you find one that works best for you.

don’t reject impressions just because they are negative. Analyze the critiques and use them as you see fit. When someone tells you point-blank that you’re going about something all wrong. which is totally worthless. If you argue or make excuses. You’re allowed to discard opinions if you have a strong impulse that they are wrong. 108 . however. It also lets us know how others see us. Criticism is good – it lets us see a different side of ourselves. You don’t have to take every piece of advice that’s offered.Lifemoney Welcome criticism Some of the comments you receive might include criticism. In 3rd grade he was sent to a school for mentally challenged children. just listen carefully and ask how you can do it better.4 billion was thrown out of 2nd grade. Don’t be afraid to be off track—or even outright wrong. He was told that his best hopes for a career would be as a carpet layer. Keep in mind that not all opinions you get will be accurate. people will stop telling you what they really think and say only what you want to hear. Before you open yourself up to criticism. 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. I’ve been wrong on many occasions. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2.

if your goal is to retire at age 45 meet with a financial planner. and how to get there in the most efficient way. His bosses thought he lacked the common sense. These also help to make sure you have a realistic goal set and that your 109 . taking a personal finance class. Good thing he didn't. Registering for a financial planning seminar. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted.Evaluating Progress • Thomas Edison was told he was not teachable. Yet. far-reaching.W. For example. your banker. • • Walt Disney was once fired for a lack of "good ideas. and creative theory of relativity that has shaped modern physics. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. and film. the phonograph. Before being home-schooled he was kicked out of three schools. With his creative mind he patented over ten thousand inventions. Get enough information to provide a clear picture of where you are currently. or attending a money management workshop are additional ways of becoming more knowledgeable. His name was F. His last headmaster said he'd never make it. founder of Woolworth’s and modern department stores. Woolworth. where you want to be. You might even want to get several opinions and weigh several options before making a final decision. or an investment agent to discuss planning strategies that can make this possible. including the light bulb. he never gave up.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. • Albert Einstein struggled in high school math. or we wouldn't have his incredible. that he was a screw-up.

Your best skill is your ability to write things down and track yourself.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. 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. you still have time to adjust your plan to maximize your chances for success. Some people even use something as simple as notes. and your progress to see if adjustments are needed for a better chance at a successful outcome.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. Watch your goal progress closely Check your daily activities. Above all remember. O. If not. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself.K…. or meeting someone and falling in love. this is the time to reevaluate your goal. a great new job offer that comes unexpectedly. your plan. as long as you continue to make steady progress. Either is fine. Notes to yourself. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. you may get off 110 . KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. daily steps that carry us the furthest distance. a death in the family. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. keep track of your progress. the loss of a job. As you try to achieve your goals.

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.Evaluating Progress track too. the faster you can get on your way. Goal Achievement Exercise N Take out your Workbook.” “You work slowly. List the five most common criticisms you hear about yourself. Here are some examples to get you started. properly aligned and refocused. • • • • • • • “You have trouble following through to get things done. You stop exercising or you start watching a new television series that leads to another new show to another and to another. There are some very good action steps you can take to get yourself going again. The faster you uncover the weakness within you and address it.” “You’re stubborn and won’t do as you’re asked. We’re going to address some of the internal areas that may get you off track to achieving your goals. Don’t beat yourself up for being normal.” “You’re attitude is bad. and then outline action steps you can take to address these.” “You’re always late. 111 . “You always complain and never offer solutions. take this information and use it to your advantage.” Rather than being upset or offended.” “I have to constantly watch you because you waste so much time.

The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. Write down the smaller. Fortunately. you will lose track and wander in pursuit of your goals. • • Finish the task at hand and ask for something to do next. break the goals up into smaller. more specific steps you 112 . Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. daily pieces that when completed will gradually accumulate and lead to success. Then be proactive in making changes to benefit yourself and others. Especially honesty with yourself about your own weak spots. gut-level honesty. come up with a clever solution to some problem the boss is having. If you don’t make notes of how you’ve broken down your duties.Lifemoney • • • • Make it a point of pride to be at work 15 minutes early Go overboard to do exactly as you’re asked without backtalk Work on being an encourager to others Step up your pace at work. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. Better yet. Be honest in soliciting opinions from others and acknowledging your weak areas. there are many things you can do to address problem areas and turn them around to make negatives into positives. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. 2. I strongly suggest that if you break your tasks down into smaller. Being honest with yourself is a powerful tool. Keep these keys in mind: 1. more doable chunks that you make note of it in your planner.

b. 4. Here are examples of small activities that can be conducted daily. Seek out successful people for advice: Free advice is all around you. c. Save at least $10 per day for an average of $300 per month or $3600 per year. e. you will be amazed to see how much you’ve actually accomplished. weekly. h. d. Contact at least one new potential employer each week. Stop and reflect on your life more often: When you stop and reflect on your life every month or two. j.Evaluating Progress intend to take. Whatever you do. i. daily. as well as find inspiration to help you continue to achieve your goals. Resourcefulness). (I speak much more about this in Lifemoney Lesson #6. Read a self-help book related to your goal. etc. Make one sales call daily at least five days per week. Meet with your mentor every other week for feedback. 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. and be willing to make the necessary changes that will help to ensure success. Learn something new related to your goal every month. 113 . 3. take personal responsibility for the difficulties encountered in your quest. Review your written goals more regularly (hourly.) g. Seek it out and you’ll find more encouragement than you’ll be able to handle. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. Have a weekly date with your spouse or child to improve family relations. f.

If anything has changed since you began the quest. Come back to your journey when your batteries are recharged.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. Do this assessment frequently.” 114 -Brad Turk .” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. factor it into the equation. If you feel that you are unable to follow the timeline or stay with the quest. but that’s fine as long as you don’t abandon the journey. realistically – and often. and then give it all you’ve got! Lifemoney Currency “Dreams are real.to determine what you are able to complete on time. take a short break to renew your mind. After taking action steps toward your objectives and ultimately the goal. evaluate your progress thoroughly. as well as anything that remains unfinished. To tell the complete story. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you. Make a visual reminder – like the grid I use . living. plan to re-assess your progress. You may have to revise your daily or weekly goals from time to time.

I will create a grid for recording action steps that lead to my objectives. _____ 2. I will make efforts to change or eliminate bad habits. _____ 5. I will solicit feedback from experts. I have the names of several people I trust to give me good personal feedback. In gathering feedback I will ask good questions. and then tally your score. I will be quick to admit my weaknesses _____ 7. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 3. _____ 4. Lifemoney Currency “Be consistently consistent. I will check the grid periodically and make any needed changes.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. _____ 6. I will invite and accept criticism that is given with a view to helping me. _____ 8. _____ 9. I am going to regularly check my progress toward reaching my goals. _____ 10. I will reevaluate my goal. along with my progress at regular intervals.” -Brad Turk 115 .

This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. who was brought up in the Marcy projects in Brooklyn. We are stronger and more resourceful than we know.Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe.” Overview Everyone struggles to meet their goals. and we can endure much more than we think we can. whose net worth is estimated to be $320 million. 116 . It’s how you handle the resistance that leads you to success. Sean. had to create his own destiny. everyone encounters resistance along the way. Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). knows firsthand what it means to be resourceful. When things don’t go as planned. you need to look for other routes or means of help.

which eventually shaped his destiny. Other ventures of his are Armadale vodka. “I was forced to be an artist and a CEO from the beginning. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. part ownership of the NBA New Jersey Nets and the S.Resourcefulness When he first started out. with 18 Grammy nominations and 5 Grammy wins. Being a talent was not good enough to attain his success. which includes Roc-A-Fella Films and Rocawear . Sean was unable to get a record deal. in some cases. under it. How resourceful are you? Could you overcome adversity by thinking not just “outside the box. Jay-Z became one of the most respected rappers in the music industry. which launched not only his career. I was forced to be like a businessman because when I was trying to get a record deal…it was either give up or create my own company. He has a willingness to find any way to achieve his goals. When faced with resistance he responded by finding solutions to his problems. but the careers of many other superstars. around it or.” And that’s what he did! He co-founded Roc-A-Fella Records. Carter line of Reebok sneakers.” but over it. the 40/40 Club in New York City. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. you might be filled with 117 . In addition to becoming the President of Def Jam Recordings.a very successful clothing line. he needed to be a businessman as well. he also expanded the Roc-A-Fella empire. right smack through it? As you begin your journey to reaching your goals. No one seemed to be interested in his music or recognizing his understanding of the music business. including Kanye West.

This lesson points out some useful resources and answers for the troubles you will encounter on your journey. You’re going to need to be resourceful no matter how much you have going for you. the more likely you are to run into something unpredictable. The resources you’ll need to tap into can come from inside yourself or from around you.Lifemoney confidence. You may be thinking. They might come from your creative imagination or perhaps from the lives of other people. “I’ve never felt better! I have a sense of purpose. then slap yourself in the face. Successful people never hesitate to look for resources that can mean the difference between success and failure. Lifemoney Currency "I've found from past experiences that the tighter your plan. turn on the light." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. do surgery with a pocket knife and 118 . What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. no matter who you are or where you’re headed you need to focus on using these resources to get through the challenges you are going to face. With a little bit of effort and some common sense. you can find resources that will make all the difference in your search. and I know exactly what I have to do to reach my goals. Either way. or mediocrity and brilliance. run some cold water over your hands.

You can always do something. Take time to jot down problems for which you’re seeking solutions. He was the picture of resourcefulness. Clever. and realize that often the reason you’re stuck is because you’re not thinking big enough.Resourcefulness make a computer out of duct tape. wild and fun solutions. only to be told something you already knew? Often. even if you’re unsure of the outcome. Take stock of the situation to see what you can do. and when it comes to succeeding in your life. Though you may not end up being MacGyver. 2. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. but the natural resourcefulness of your mind will reward you with many great and doable ideas. Relax and think: don’t let the complexity of a problem paralyze you. big thinker. resourceful problem solvers are some of the most open-minded thinkers I know. and then brainstorm big. Be an open-minded. Take the time to take stock of the situation and think on your own. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. These are four ways of thinking that have made me a better businessman and human being. expensive. I want to make four suggestions for being more resourceful. The trick is to keep your mind focused on what you want. Did you ever consult someone about a problem you were having. 119 . You’ll have to learn to let your mind go in this fashion. He was never played out. he could always find a fix to any obstacle he faced using just what he had around him. 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.

over a microphone to your computer. Don’t be afraid to ask questions from people who know. Become four years old again. 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. Be a pest. As a team. That’s how you learn. ask over and over again. It was a big thinking. Don’t look at life with the jaded self-knowledge of an adult. who was middleaged and looked more of the part I needed to play. Instead of focusing on what I could not change—my appearance—I worked on another aspect I could change by taking along a friend who helped to balance my looks. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question.Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. And when you come up with all those big thinking ideas – capture them. however works best for you – and then review them every once in a while to see if there is one you can implement. I have a baby face. George. I looked nineteen. 3. At twenty-five. As you can see on the cover of this book. big thinking I created a great solution. Make sure you capture those ideas somehow – in paper. When attending a high-power meeting I’d take along a good friend. and in a moment of wide-open. I look a lot younger than my real age. I was trying to launch my business and wanted professionals and industry experts to take me seriously. 120 . George and I appeared to meet expectations for maturity and sophistication. out-of-the-box resource idea and it worked. I was able to pitch my products and services to an open ear. This was a problem. Once the perception piece of the introductions was achieved. but walk with eyes – and ears – wide open.

and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere.shaw. 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. You want to climb the attic stairs. My dear granddaughter Hannah. I find embarrassment. you can’t know everything. you see colors. You want to know everything.ca/athomas125/hanna. You love to learn. I see mess. You are only two.htm. hoping to master the computer in one easy lesson or not at all. Look for solutions in the most unlikely spots. I see danger. I see problems. I've forgotten how to laugh at blunders… 121 . Questions are your favorite tools. I struggle to learn. And in my experience. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. You want to paint. You see steps. It was taken from the web site http://members. With wild abandon you tackle new words. Book is your favorite word. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. You find laughter in mistakes. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. Here’s a thoughtful letter written to a child from her grandfather. new skills. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. 4.Resourcefulness You don’t know everything.

Just keep going until you find the information you really want. After talking to one resource person or another. help me to grow up and become just like Hannah.Lifemoney You are courageous. I love you for who you are! Grandpa Dan Dear Lord. I stick with the familiar favorites. Keep Looking . or information you can’t really use. neighbors. if it's not too late. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. Ask questions that seek out detail rather than just yes and no. 122 . When you’re listening to an answer. Talk to people from teens to retirees.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. asking questions about their perspectives and ideas. At lunch you boldly bite into broccoli. These could be friends. Look around for success “MacGyvers” hiding in plain sight all around you. Sometimes you may not know where to begin the quest. But that comes with the territory. and though you dislike it. you might be given all sorts of misleading ideas. 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 walk right up to a stranger and smile. tomorrow you will tackle cauliflower with the same exuberance. And learn to ask better questions and be a better listener. and relatives who may have an idea or solution to your problem.

often at the press of a button. spread far and wide. Even as there are more and more of us. There’s no better or quicker way to 123 . Instead of sitting in front of the television or playing video games. find a seat at the café. But you can go anywhere you want and talk to whoever you like. Look at the jackets and back covers for ideas about whether a book will be helpful. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. you should be able to find worthwhile reading. ask a store associate to order materials for you.Resourcefulness You probably won’t find everything you need in your back yard. Here are four incredible resources. you can just read while you’re there. If not. You can even use full sentences to pinpoint the closest data to your topic search. buy a cup of coffee. spend your time searching for buried answers. 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. try different variations of the same words until you find what you are looking for. You don’t even have to buy the books. Don’t be afraid to use all of the resources available to you to gather more resources. If you don’t find an exact match. All you need to do is pick a search engine (I use Google. and read a recent biography of someone you admire or a book on a topic related to your goal. Whatever your needs or interests. 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. technology is bringing us closer together. That’s the beauty of the modern world. In a larger bookstore chain.

In New York. but you may learn a few things from the expert while you participate in the webinar. language CD’s or DVD’s (if your goal involves traveling abroad).com) where they constantly have well known speakers. Number 4: Take a seminar There are a lot of seminars given and places to go that you can learn directly from experts in your desired field. Many companies offer free webinars with noted experts in a particular field as a way to sell their products. and Los Angeles you have the Learning Annex (learningannex. If your library doesn’t carry a book you want see if they can get it for you from another library. 124 . Toronto. You don’t have to buy the product. magazines. and videos.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. Check your local area for something similar. 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. Most libraries offer this type of service for free. You can also get audio books. borrow books for free at the library. San Diego. Minneapolis. movie producers and music moguls at your disposal. San Francisco.

find out all you can about life in New York and the companies or groups associated with this new job in New York. One life changing piece of advice can make you thousands if not millions. That thrill of learning still exists inside you today.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. Ask the people around you what they know about New York. They will teach you how to become financially secure and independent. Read books and look for television programs. Be 125 . It is idling in you right now. waiting for the chance to drive you toward solving your challenges and meeting your goals. For example if you’ve challenged yourself to get a great job in New York City. you will be able to learn from the experts in that field.” -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. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. or showing off your playground skills to other kids.

suggest that it be taught in the future. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. • Take a non-credit class. Consider joining 126 . and provide you all kinds of problem solving resources. the internet provides an opportunity to meet many like minded people. volunteer at a local official’s office and see how it works. • Join a special interest group. To run for civic office in a few years. Often we outgrow our friends. then ask lots of questions. work on building friendships with new. If you’re planning to write a novel. If they don’t have one you want. like minded people that share your intensity in life. specialized courses that often cost under $100 and run over a day or several weekly classes. find a writer’s group or a reader’s club. Most colleges – especially community colleges offer informal. Check with a local community college or university branch campus for information about these classes. Rather than ditch your old friends. Those friendships can form quickly and be lasting. • Online Special Interest Groups. Over time our interests drift and friendships change because your interests no longer match. No matter what your interest. Learning new things is virtually guaranteed. Listen first.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. You can meet experts in your field of interest and learn things about your pursuit you never knew existed.

Community resource center – attend evening sessions from 8 to 9 Monday. such as: 1. such as: 1. reading blogs about topics that interest you. List three places where you can go to find some information that will further your ability to be resourceful. or subscribing to a mailing list of like minded folks.” -Bill Gates Goal Achievement Exercise O Take out your Workbook.this week I will seek out one interest group related to my goal 127 . Online chat room--. Join an online chat room 3. Visit a local learning annex Once you have these three written down.Resourcefulness an online community. assign timelines in which you will visit these places. Wednesday and Friday. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s. 2. Consult a community resource center 2.

Uptown Records. look for experts in your field. Lifemoney Currency “If you are going to be thinking anyway. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad. you might as well think big. contact authors whose writing style you like and ask them for tips on 128 . and while attending. learner and observer. and found resources anywhere – and everywhere – he could. learning the industry from the ground up.” There he swept floors and kept his ear to the ground. This is someone who will work with you to set goals and help you make plans for reaching them. Like Diddy..C. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. D. According to Answers. Before he became known as Diddy.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. “Already a shrewd businessman through his two paper routes. But Combs was an avid listener.Lifemoney 3. Combs applied to Howard University in Washington. those who have already accomplished what you want to do. If you’re planning to write a best selling novel.com. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings. Sean “Puffy” Combs worked in thankless jobs like the rest of us.

Look for people who can provide guidance. take a job as an intern like Diddy. too. and find out what keeps them going strong as well as the things that hold them back. Ask questions like. too. Or look up a local leader that you might be able to interview or job shadow. before you speak to them. If speaking directly with an expert isn’t likely. don’t be surprised if some don’t return your calls. interviews. Don’t fight the system if you don’t have to. and look for readers that can tell you what they look for in this type of book. There are actually some fields like the music industry where the only path to a real job is to intern. And. Avoid their mistakes. and other information that might hold clues to the reasons for a person’s success.Resourcefulness getting published. but people are the ultimate resource. Learn it first then conquer it. videos. You could contact publishers. Always be prepared and don’t waste anyone’s time. Go straight to those who know the ropes and can share a bit of wisdom. Look up biographies. When learning from the experts. Make sure that you research these people and their companies. 129 . get some books about famous people who have already made it in the area where you want to go. and who won’t turn their backs when you need help. “What is one thing you would do differently?” Study those who are where you want to be. Books. if applicable. libraries and the Internet are valuable. If you’re a student. find out what not to do. Don’t rely on your own expertise. You also may want to consult the local Small Business Administration or a retired executive. Try other people or be persistent with the ones you really think are important for you to meet or talk with.

List three people that you will contact for assistance. No matter what sorts of challenges you face right now. 130 . You’d be amazed how many talented people you already know that could help you along your journey.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. it is because I was standing on the shoulders of giants. 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. Never forget to take advantage of your network of connections.Lifemoney Lifemoney Currency “If I have seen farther than others. While making your list. Using the people skills that you will learn in Lifemoney Lesson #8. intrigue these people to help you in whatever way possible. think of key resource people you already know from your past and your present.

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. Stephen Spielberg. small and large. services and know-how you need to create Lifemoney. and as far as necessary. always tomorrow after you have done your best to achieve success today. might be the director.Resourcefulness Lifemoney Currency “Remember you will not always win. Try to count how many names are listed at the end of the film. that can put you closer to reaching your ultimate goals. every one of those people was a resource in creating his latest masterpiece. to get the information. Some days. in this case. the most resourceful individual will taste defeat. reach out as often. 131 . but stick around for the credits after his next movie. Very few people succeed entirely on their own. It’s important to utilize every opportunity. But there is.

_____ 6. school or online special interest group. I plan to read an autobiography of a famous leader who inspires me. _____ 4. _____ 5. Lifemoney Currency “Some people say it’s not what you know.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. but who you know. _____ 1. _____ 9. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. I will network with people I know to find expertise beyond my circle. _____ 3.” 132 . I will read new material that relates to the pursuit of my goals. I believe learning is the beginning of wealth. _____ 7.Brad Turk . _____ 8. I say. Searching and learning is where the miracle process all begins. ideas. and observations. and then tally your score.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 2. I plan to visit a library. I will keep my eyes open for a mentor. _____ 10. I will take a class or seminar related to one or more of my goals. I will enthusiastically seek information like a kid. find the people you need to know and introduce yourself. Learning is the beginning of health. Learning is the beginning of spirituality.

He bought the property in 1977 when that part of New York City was in terrible shape. objectifying your goal. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel.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. These include visualization. Now I want to talk to you about the one Lifemoney skill that might be the most important to anyone wishing success in life: creativity. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. asking big and avoiding the herd mentality. They are your real wealth. looking at things from a different perspective. your Lifemoney. directly across the street from Grand Central Station. Trump had no 133 .

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.

Lifemoney Currency
“Man’s mind stretched to a new idea never goes back to its original dimensions.”

134

Creativity

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?

Lifemoney Currency
“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

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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.

Lifemoney Currency
“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.

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and telephone. Visualization is when you mentally create an image of yourself accomplishing the desired objective. For example. Notice even small things like the shoes on your feet and the color of your clothes. fax. this proven 138 . so keep your thoughts positive and stay focused. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. Now. 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.Lifemoney 5. 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. imagine yourself doing it. This isn’t fantasy or play-acting. copier. See yourself inspecting the houses. if you want to get into real estate. it’s time to shift gears and visualize it. or when it becomes increasingly difficult to see yourself in the winner’s circle. Avoid the herd mentality. You’ll work out the bugs of a process that will move you closer to your goal. Your body will do what your brain focuses on. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. noticing colors of paint and the condition of the neighborhood. What’s it worth to you? When you’re ready to give up on your dream. step by step. it becomes more tangible. Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. Picture your home office with all the things you would use in a public office—computer.

Sometimes having that physical object can help make an abstract idea seem more real. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. Acquiring anything starts with imagining it constantly. Do you keep a special object to remind you of your roots. an action you take. your accomplishments and your dreams? Some 139 . To date. and I still have the toy versions to help me remember to make my dreams real. I have had both of these cars. Lifemoney Currency “Visualization is daydreaming with a purpose. Do what you can to make a real “object” out of your goal. That is a conscious choice.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500. whether at home or at the office. Take responsibility to hold those images in your mind. There is no substitute for keeping the proper image in your mind at all times. good or bad. 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. All success starts in your mind.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. Why? Because you will create whatever you’re visualizing. Those that fail to reach their dreams are often letting their positive visualizations vanish. but our brains respond better to the real thing. Look at your workspace.

present or future. 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. If you don’t. This is especially important in creating objects that represent your personal goals. the one he died on. Queen Latifah wears a key on a chain. seemingly insignificant object that reminds you of something very important.Lifemoney people have desks covered with trophies and some have desks covered with bills. Real objects have power. Who do you think is more positively driven? Around her neck. The key belonged to her late brother’s motorcycle. Whatever you choose. or another small. It also keeps her motivated and helps as a reminder of how precious life is. The object for your personal goal might be something that brings to mind your dream. Dieters sometimes buy clothing in the size they want to be rather than what they are now. an award or commemorative gift. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. A miniature horse that fits in your palm could be the symbol of your future breeding farm. and how important it is to enjoy every minute. Chances are you have a framed photo. and she keeps it near her heart as a reminder of how much she misses him. it should be something that reminds you of and keeps you motivated to achieve your dreams. 140 . whether past. start collecting those things and placing them around you.

the actual apartment was terrible. Although I loved the building and the area. it seemed I got the truth out of him. I remember him helping me out once when I was looking for a small rental property. After bothering the agent.” But David wasn’t quite ready to leave. I put that check in the casket with my father because it was our dream together.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995. And then.” -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. His success is attributed to seeing what’s not there and being open minded about what can happen. Well. he explained to me that this was a great deal. He buys a lot of properties. I thought I knew something about real estate and I asked the agent how long the place had been on the market. just before Thanksgiving 1995. I looked at my friend as if to say. “We’re out of here. What I saw as a negative. that was it for me. I put it in my wallet and it deteriorated. I found out I was going to make ten million dollars for Dumb & Dumber. When we went into the place I was very disappointed. crunched some numbers and while we were sitting down for coffee afterwards. manages some and sells the others. my friend saw as a positive. It looked like a hurricane had come through and no one bothered to clean up after. From his perspective it was good that the place 141 . and he informed me they had been trying to sell it for over a year.

000 down to $150. Creativity Factor #4: Ask big There is huge power in learning to ask big. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. 142 . 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.000 and after spending $25. Liz.000. Anybody can see what’s obvious but only a few can see potential. My girlfriend. 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.000 co-op for $175.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. After David did the math with me. By shifting perspective. She envied my work schedule and the fact that I could arrange my days as I saw fit. How? We were able to get the price from $165. So try! It is a valuable lifemoney skill that can translate into big cash money. does medical billing and is the office manager for a doctor’s office.000. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price.Lifemoney was a wreck and was on the market for so long. She is good at her job and has been with the same company for over 10 years. Although Liz was happy with the money she made and her success in what she did. You can do this in your own life. David helped me to see the real value of that deal. she really wanted a more flexible schedule. it appeared that I would be buying a $200.

Creativity When I encouraged her to suggest something new to her boss, like a more flexible schedule, she was positive he wouldn’t go for it. But rather than just forgetting about the idea, we sat down and actually listed some very big possibilities she could take to her boss. Specifically we asked ourselves “What might her boss go for?” We made ourselves think outside the box. This thought process alone allowed us to quickly figure out a few adjustments she could make to maintain job duties and still free up some time in her weekly schedule. Then one day at work Liz asked her boss something big. “I’ve figured out a way to work even more efficiently,” she began. “Oh, yeah?” her boss asked. “What’s that, Liz?” “If I work a day a week at home where it’s quiet, I can get more billing work done without the distraction of answering phones or coworkers’ questions. I’m sure I can work faster, which will save the company time and money. Can I do it?” Now do you think that was easy for Liz to ask her boss? No way. But she boldly asked a new and surprising question. And guess what? Liz’s boss agreed to give it a try, and now she has more flexibility in her schedule. She has a day each week for personal errands and her son and on that day she works the hours that she sees fit. Even when it seems like the odds are against you, asking bigger and bolder questions can be a huge source of inspiration and possibility for you. When I worked at MCI, through hard work and utilizing the Lifemoney lessons in this book, I became the number one salesman in the country. My problem was that I knew I preferred working from home without a boss breathing down my neck. But my boss really wanted me to work out of the office in the more standard corporate way. Rather than just giving in to this expectation, I asked myself a bigger, better and bolder question: what would the boss

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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.

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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.

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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.

Lifemoney Currency
“You see things; and you say, ‘Why?’ But I dream things that never were; and I say, ‘Why not?’ ” -George Bernard Shaw

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but seeing what’s not there. _____ 5. I can visualize my success through a variety of mental pictures. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I seek out new perspectives to old problems. Engage your creativity now by taking stock of your situation. and then figure your score. _____ 2. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. Take the time to evaluate your situation and try a creative approach. Is there some way to save time or money at your job? Can you trim the household budget? How about trying out a new skill? Most people have a lot of potential that goes untapped.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. Lifemoney Currency “A problem is a chance for you to do your best thinking. Make the time. 147 . Don’t let yours go to waste. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. and invest the energy in some creative thinking about going after the things you want. Remember that one of the most important aspects of creativity isn’t seeing what’s there. _____ 3. I have objects around me that symbolize the success I seek. _____ 4.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with.

_____ 7. I make detailed mental images of what I want. I know when I ask boldly. I will use creativity to help me attain my goals. _____ 8. hasn’t been done or looks like it can’t be done. _____ 9. _____ 10. great possibilities are created. doesn’t mean you can’t do it.” -Brad Turk 148 . Lifemoney Currency “Just because something isn’t being done. I keep asking bigger questions to spur my creativity. I avoid the herd mentality at all costs.Lifemoney _____ 6.

Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. 149 . getting others involved will be a major key to your success.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. For almost any goal you may have. if people get better at these people skills. Understanding how others work and the mechanics of how they think will be crucial in gaining the support you need to get what you want out of life. professional and powerful way will not only aid you in achieving your objectives. 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. Using people skills in a competent. but it should make your life experience more rewarding as well.

I was managing a staff of 8 sales people who all had extremely different personalities. that she would get the sales in. He was always late. I knew she was a hard worker. She was self motivated. I saw from past managers that I have had. I provided them the resources to work in an environment where they could thrive. out sick. Using my Lifemoney Lesson # 8. and he needed a couple of days to 150 .Lifemoney While I was at MCI. He had so many excuses that he was losing track of them. hard working and considered her sales position as her own small business that she was managing. As an example. I knew first hand. On the other hand. I did for her what I wanted my sales manger to do for me – I stayed out of her way. Amazingly. I worked as a manager for a short period of time. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. that one of the biggest problems in how they managed was that they had a uniform way of doing things. or had an excuse for something going wrong. that same uncle died again. who he missed that had passed away about a year before. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. During that time. that we are all different and had different needs. Their “House Rules” were specific to how they thought a salesperson should be. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). I had a salesperson who was one of the most charismatic people you could meet. They were men and women of different races and backgrounds. from being a salesperson. and that I could not work her harder than she would work herself. I quickly realized that to deal with people effectively you really need to understand what motivates them. He once told me about his only uncle. I had one rep who was just like I was as a salesperson.

I treated him how he needed to be treated. and at least once every day gave him a swift kick in the ass. Shared sorrow is half a sorrow. especially when it comes to dealing with people. So to get the most out of people and to win them over to your cause.People grieve. and told me that he needed that treatment to get him where he wanted to go. Are you a people person? Few of us respond to every situation in perfect form. Be as specific as you can. some I still have to this day. Not only was this experience a financial success for me. Lifemoney Currency “Shared joy is a double joy. I micromanaged him.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. Reflect on why that might not have gone exactly as you’d hoped and ask yourself the following questions: • • • • What were my preconceived notions about this person? How did they affect how I dealt with him/her? What could I have done differently? How could I respond better next time? 151 . you need to know what their needs are. He later thanked me for helping him. but it allowed me to really connect to my reps and form lasting friendships. Anyway. Think of a past problem you had with a specific person.

or rhythm. The primary way we communicate with others is through conversation. everything. 152 . For relationships to be mutually valuable you must build a bridge that goes two-ways. even dealing with people – especially dealing with people – requires proper planning. Lifemoney Currency “Every one of us gets through the tough times because somebody is there. Step # 1: Be a Good Listener People want to be heard and understood. Success doesn’t happen by accident. do not speak. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. standing in the gap to close it for us.Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. Conversation involves someone speaking and someone listening.” -Oprah Winfrey Turk’s 12-Step Plan for Bridge Building You can think of this section as the 12-Step plan for building relationship bridges on your road to success. Listen. of preparing yourself to deal with people rather than doing so on instinct or history. there are lanes for incoming and offloading traffic. Get into the habit. When it is your turn to listen.

let them talk about their skills. Again. people like people who like them. You can’t learn from them if you’re talking. He was so excited to talk about himself and his experiences that at the end of an hour. Let the other person speak – while you LISTEN. listen with a reason. this guy not only offered me the job. their needs and their accomplishments. I will tell you a funny story about a job interview I once had. he took an interest in me. If you really take an interest in what they are saying you might learn something. Yet. It turned out to be a win/win for us both. advice or assistance. find out about them. Watch for opportunities to offer empathy. If you want to win them over.People To demonstrate how much people want and need to express themselves and feel understood. at the end of our meeting. At the beginning of the interview. Everyone’s favorite topic of discussion is themselves. Ask questions. it seemed as if we did not even speak about me. not just another segue to a story about yourself. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position. Although I knew my resume would be suitable for the position. Be enthusiastic about what they are talking about and who they are. 153 . Step # 2: Take an Interest in People When you listen. I asked the interviewer a few key questions about himself and what had made him successful in his career. Try and put yourself in their shoes. Keep in mind he found me so interesting and I barely said a word. we did not get to discuss my history. Smile. When you talk to others. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. Because I took an interest in him.

But you need to be genuinely nice. Step # 3: Don’t Undermine – Understand It’s easy to criticize. Let the person tell the story. the more they’ll learn by example and start paying you back– by listening to YOU. 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. brag or whatever they wish. Most people react in a negative way due to circumstances. 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 other person feel important and appreciated. But the funny thing about building these bridges is they work both ways. If this sounds fairly one-sided. 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. you only aggravate yourself. it might be. They’re getting enjoyment out of reliving an experience or sharing an insight. Some people are just genuinely grumpy or mean – but these people are not the majority.Lifemoney Let’s say that you are a very good racquetball player. the more two-way they’ll become. The gift you are giving is worth far more than anything you might hope to gain from turning the focus of the conversation to you. Even though you can relate to the story because of your expertise. 154 . and someone you are talking to tells you about a game of racquetball they played. In building up conflict instead of offering genuine kindness. Don’t take that away by changing the subject to you. Have faith and patience that the longer these relationships last. Try it and see how it works. at first. The more you listen to others. you don’t have to interject your knowledge or skills. and telling your stories.

He dropped his tools and ran to the bog.People Think back to a bad day you had recently. “I want to repay you. On the way to work you get stuck in traffic due to road construction. he heard a cry for help coming from a nearby bog. The following is a very interesting and true story of paying it forward that was taken from the Winston Churchill web site at http://www. even though you typically arrive on time. and he was a poor Scottish farmer. 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.cfm?pageid=102. Crazy things happen when you reach out to people and pay some kindnesses forward. There. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. while trying to make a living for his family. One day. “You saved my son’s life. Farmer Fleming saved the lad from what could have been a slow and terrifying death.” said the nobleman. His name was Fleming. Maybe you got up on the wrong side of the bed. Then the boss yells at you for being late.org/i4a/pages/index. The next day.winstonchurchill. Maybe you weren’t feeling well. mired to his waist in black muck. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams.” 155 . screaming and struggling to free himself. a fancy carriage pulled up to the Scotsman’s sparse surroundings. was a terrified boy.

“I’ll make you a deal. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. but I think people can tell when you don’t remember their names. What saved his life this time? Penicillin. The name of the nobleman? Lord Randolph Churchill.” the farmer replied proudly. he’ll no doubt grow to be a man we both will be proud of. If the lad is anything like his father. in time. 156 . At that moment. the farmer’s own son came to the door of the family hovel. Let me provide him with the level of education my own son will enjoy. Farmer Fleming’s son attended the very best schools and. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. This not only looks bad. I know it is because I never really made a true attempt to focus on remembering them.” the Scottish farmer replied waving off the offer. Years afterward. the same nobleman’s son who was saved from the bog was stricken with pneumonia. “Is that your son?” The nobleman asked. and it’s a little bit insulting. His son’s name? Sir Winston Churchill.” And that he did. “Yes. and went on to become known throughout the world as the noted Sir Alexander Fleming. I can’t accept payment for what I did. graduated from St.Lifemoney “No. Mary’s Hospital Medical School in London. the discoverer of penicillin.

it’s easy. Where do you work? Is that right? Sounds interesting. they will be interested in helping you in exchange. One idea is to repeat the person’s name out loud a few times during the introduction. Let’s say for example that I need help with financing a business deal that’s important to me. Brian. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. “glad Brad. “Nice to meet you. How do you do that? Ever hear the term WIIFM? It’s “What’s In It For Me!” Most likely your best bet in getting help from someone is to show them what they are going to get in return! I think about this all the time when I’m trying to influence people to help me. nice meeting you. Again. But if they look like they’re very tired and sad. For instance. but I will stress what’s in it for them: a great rate of return. the intangible benefits of having their name 157 . These little tricks work amazingly well and are well worth the time it takes to practice them.” Another popular technique is to associate their name with something visually unusual. Let’s talk about that sometime. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. 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.People I would suggest you develop a system that helps you put greater effort into this huge priority. If their name is “Brad” and they look like Brad Pitt. you might think “sad Brad” or if they look happy.” You get the idea. the value of the proposed deal.

inferior. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. they would have behaved differently. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. stupid and embarrassed. For what? To win your point? Is it worth it? Will you really feel better? Do you think you can change the other person’s view? Think about a recent argument you had with a spouse. the fun we can have together as a team. but the level of intensity – time. 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. energy and commitment – will be that much greater if you provide people with something they want. That only happens in courts in front of judges. and how can I give it to them?” I am not saying you can’t get help any other way. I’m always thinking “what do they want. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. when they did help.Lifemoney associated with the project. offer to help. 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. The winner of an argument in real life is often the loser in the relationship. whether a free meal. too. Remember that getting the support you want depends in part on providing others with what they need. If a friend is remodeling a kitchen. a case of beer or concert tickets. how 158 . All you will do is make the other person feel bad. a coworker or a friend. …you get the idea.

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. Show. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. I make a big distinction between arguing and disagreeing. be self-controlled. don’t tell. aggressive individuals that think they know it all. Always try to look inward to the core issue. and even then be careful. Don’t speak out of anger. Don’t brag. no one is impressed. 159 . Disagreements on the other hand can be powerful sources of new information and a chance to grow. even if it’s negative communication. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. Wait for your opinion to be asked before shoving it at someone. Think about someone in your past that pushed unwanted advice on you. Keep in mind that everyone is born equal and deserves to be treated that way. Arguments. do nothing but harm. Think your words through. particularly defensive and mean ones. Often. Step # 8: Think Before You Speak In any discussion. Let others mention your accomplishments before you do. Speak from a calm center. Don’t act rashly or lash out.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. be it personal or professional. people argue because they are hurt. Don’t give advice unless it is requested. Relax. upset or just want to communicate with someone they care about.

And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. A few sincere words written in a card or spoken with a smile can go a long way toward making someone feel that his or her efforts are valued. 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. This may seem like a small thing. Shake hands firmly and introduce yourself when around new people. Step # 10: No Whining Allowed No one likes a whiner. Just remain calm and don’t shoot your mouth 160 . Some of those mistakes will be at your expense. Or you might have helped a coworker with a difficult project. but received no sense of appreciation. It’s not that your problems are unimportant. You would be surprised how far all of this will take you in building relationships.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. Everyone makes mistakes and will disappoint you at some point. Look people in the eye and give them respect when you speak to them. lower your expectations of others and increase them for yourself. but he never called or wrote to say thanks. but it’s extremely important. To get along in this world without becoming an irritating whiner. Can you look back on a time when you did something nice and the person didn’t even mention it? Maybe you mailed a gift to a relative. even after working hours of unpaid overtime. Always say please when asking for something. Don’t cry or whine over any of this. but we all have problems. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. Take courtesy even further. From time to time you may even take the blame for something that isn’t your fault. It makes a deep and lasting impression that money can’t buy.

The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault.People off and burn bridges. but this true story illustrates how sensitive some people are to lateness. to a successful person. especially in business. Step # 11: Your Word is Your Bond Do what you say you are going to do. chances are your credibility will be shot for all that you do. When people know you are dependable. If you can’t be trusted on one issue. Also. 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. more opportunities will be sent your way. time is their most valuable asset. I had an appointment with someone and I showed up 15 minutes late. As I mentioned. Even if it is just to arrive to a meeting at a certain time. Would you want someone to take your most valuable asset away from you? I learned this the hard way when I was first starting out in sales. being late is a sign of disrespect for someone else’s time. Your word means everything. I know this is extreme and there are times when being late can’t be avoided. 161 . You never know when you might have to go back the way you came and deal with that person again under better circumstances.

” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. If you don’t like 162 . because your character is what you really are. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return. politely let them that you will get in touch when you have time. but you have to put first things first if you ever plan to reach your goals. put you down or turn you off. You probably already know who some of these “avoidable” people are. If it’s someone who is really just negative and brings you down. To get rid of the people who will hold you back. don’t be afraid to cut ties totally. It’s not that you can never enjoy recreational time. 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. while your reputation is merely what others think you are. like fishing or playing cards.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. or who tell you to give up because you have more important things to do. They can be so-called “pals” who don’t believe in you. They might be an older brother who sets a bad example with his drug use or gang activity. or that costs you plenty when it does get a running start. They may be hardheaded bosses who refuse to think out of the box. 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.

the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. They’re a little harder to find.People where the bus is going or you changed your mind in the direction you want to take – get off. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. A motivator can be anyone who trusts you to follow your dreams. you must also make room in your life for the motivators. make sure that you’re always riding the right bus for you. cling to them. Either way. It might be a mentor who leads by example or. it’s simply a move in a new direction. or they may be a total stranger. It’s not quitting if you’re the one doing the choosing. seek them out. They might be a good friend who listens while you describe the goal you want to reach. 163 . Find a new bus or another means to get there. Just as you must get rid of the people who will drag you down. quite literally. And the more you hunt for them the more they will be attracted to you. Either way you’ll know these motivators because you’ll feel an instant attraction to them. for every troublemaker you tell to hit the road – or get off your bus – make sure to pick up a motivator or two as a replacement. If they’re nearby. as well as your plan for getting there. In fact. if they’re far away. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals.

Then magic happens. In fact.” -Brad Turk 164 . Lifemoney Currency “One skill you act on is better than 12 that you don’t. goal-oriented people who encourage and inspire you.” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson. I try and use each one of these on a daily basis and have come to rely on my people skills to make many good things happen. keep using it until you don’t think about using it anymore because it’s so natural. Associate with positive. This is the best way I know of to master this list. What’s the best way to learn them? Choose any one of these and use it today. 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.

_____ 9. _____ 10. I don’t whine. _____ 7. I am learning to be a good listener. _____ 5.” -Brad Turk 165 . I keep to my word. _____ 8. although I can politely disagree. I always remember the “what’s in it for me” rule. A huge part of receiving is giving. Lifemoney Currency “Find people to make up for your lack of know-how and. I try to stay calm and avoid arguments. I have a good sense of which people to pursue and which to avoid. _____ 6. I am taking an active interest in people _____ 3. you WILL know-how.People Millionaire’s Checklist: Check all the items below that you agree with. I understand the value of tolerance when dealing with difficult people. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. and I often make efforts to give without expectation of receiving anything _____ 4. _____ 2. I make efforts to express appreciation and good manners to others. and then tally your score. eventually.

This talks about some of the things I’ve found useful in creating a positive mind.” -Willie Nelson Overview Someone once said.Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction. a well maintained attitude and a “no excuses” outlook. you'll start having positive results. 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 . whether you believe you will or you won’t – you’re probably right.

or the fame of her dad but everyone in school wanted to be near her. You just have to know that you’re heading in the right direction. it appeared she had everything that a person could want. you create road blocks that stop you from achieving your goals. I could not imagine with all of the advantages she had been born with that she would not appreciate and enjoy each day of her existence. 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. From the outside looking in. her money. or do you think that it probably won’t happen for you? This question is like a fork in the road. you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. and whichever direction you take in your mind will probably dictate your destiny. believe that it can happen and know that you have what it takes to make it happen. If you focus on the negative.Positively Thinking Do you believe you can reach your goals. 167 . When I finally had the chance to meet her personally. The Multi-Millionaire Blues A good example of how attitude. I was amazed to see how miserable she was. Her father had been an executive producer of some very well known films. He was both successful in his field and wealthy. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. On the contrary. 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. if you focus on the positive. I don’t know if it was her beauty. I saw her complaining everyday about what I thought were very trivial things.

So don’t worry about what you can’t do. You might feel as though you are destined to continue the long line of defeat. I heard a few years later that she had attempted suicide. and say. “He’s the reason I can’t get ahead” or “If that hadn’t happened I would be rich by now” are just excuses for not taking responsibility for their own lives. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. you do have complete control over what you choose to think. do.Lifemoney I stayed away from her negativity and did not associate too much with her. 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. focus on what you can do. But you may also have skills and opportunities for turning the game around and coming out a champ if you will only take the time to believe in who you are and who you will become if you reach your goals. It’s not what you have but how you perceive things that really counts. what you attract into your life and your ultimate success. They complain about all the ways in which other people or circumstances are standing in their way. Maybe you will be the one family member who can show the others that success is possible? That would be a wonderful Lifemoney gift to give them. But it all begins with your outlook and your willingness to do what it takes to get out of the rut and mentally move in the direction of the finish line. Maybe you come from a family with many losers and too few winners. Though you have no control over the actions of others. 168 .

Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. Change the channel and play the role starting now.” Your mind is yours. Lifemoney Currency “Just can’t live that negative way…make way for the positive day. It starts in your head with your mental remote and plays out in reality. there is nothing stopping you from becoming all that you dream of becoming. You dream 169 . 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. I was able to become wealthy.Positively Thinking Practice turning negatives into positives. 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. If you grew up wealthy – good. 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. I want you to understand that you’re holding the remote in your hand to switch to that channel.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. You have even more desire to do better than others may have. You have the resources others don’t have. If you feel yourself beginning to argue with me. STOP! Forget the excuses! If you grew up poor – good. so use it positively. If you catch yourself repeating the complaints above. In America.

took it on as his personal goal. but he said that all the intense effort and workouts did not give him the extra edge that he needed. write down a lesson you learned from this failure. Do it and watch how your outlook brightens. 170 . Failing does not make you a failure if you let it teach you lessons. you implement your plan. Get your mind on the right channel and the body will do its part to follow the plan. that had to be coupled with hard work and long hours in the gym. and guess what? It’s yours. This is the way you turn negative experiences into a positive ones. Arnold Schwarzenegger went into every competition thinking he was the winner. Obviously. It was the mental focus on all that he did that made him the best in his field. List five failures that caused setbacks in your life. He visualized it. Goal Achievement Exercise T Take out your Workbook. This attitude and confidence spread and led everyone else to believe the same. you have a smart plan. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. Also. you work hard to get it. and explain how you will avoid one of those failures in the future. and owned the feeling of a champion.Lifemoney it. The mind rules over every part of the body. Failure can be a very positive experience if you dig through it to find a good lesson.

If you want a piece of the action. -Thomas Edison Don’t Complain . Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by. Rather they give years of their lives charting a positive course and expecting greatness. It usually doesn’t happen overnight. would you handle things differently? If so. 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. Understand that a positive mindset happens first. a Donald Trump in real estate or a Jay-Z in the studio. but it does happen. Which have you been? Be honest with yourself. They have a mental certainty that what they’re doing will lead them right to where they want to be.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. Looking back have you been a complainer or a fixer? If you had it to do over. Negative people complain about things and positive people fix things. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success.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”. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 . But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking.

Instead of whining about what you don’t have. start looking for what you can get. People are much more likely to admire and support you if you adopt this mindset in your everyday life. especially if it was a thought that stopped you. The solution is to stop complaining and fix your attitude. like drawing. Why? Negative thinkers typically think that they’re stuck and will be miserable forever. but we can control our responses to them and the actions we take as a result. 172 .Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. These are all signs of a distressed and negative mindset. Begin using positive thinking to search for new ways to impact your life. an inspiration. 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. that a former teacher encouraged because you secretly had no confidence in your ability. stay open and be ready to jump into action. Positive thinkers are always focusing on ways to positively impact their world. get it in positive ways by becoming an encourager. Is stress holding you back? Stress is often closely linked with a negative mental attitude. did a previous employer offer to pay the tuition for you to return to school. How do you do that? You’ve heard me say that we cannot always control the events in our lives. Make a mental note not to miss these kinds of opportunities again. and never feel played out. Begin positive. and get frustrated. and a role model. The same is true about anxiety. If you want people’s attention.

These could include lost academic. 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. developing new skills.” -Anonymous Goal Achievement Exercise U Take out your Workbook. anyone can start from now and make a brand new ending. make a new list of potential opportunities for the future. overcoming a bad habit. Make the list with a new sense of optimism and hopefulness. Lifemoney Currency “Attitude is a little thing that makes a big difference. When you’ve completed this list. That’s a great first step in positive thinking.” -Winston Churchill 173 . cultivating new relationships (or restoring old ones). Include options like going back to school. employment.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. Make a list of opportunities from the past that were missed due to negative thinking. or relationship opportunities.

who minus sight and hearing became a model of inspiration to others. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. Some famous examples include Beethoven. Positive thinking sets them on a course for achievement.” -Lou Holtz. or at least their little piece of it. 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. 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.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. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. I never had a crisis that didn’t make me stronger. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. whose deafness did not stop him from composing classic musical compositions. football coach. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. Helen Keller. broadcaster 174 .

Positively Thinking Worst Case . Don’t be intimidated by life situations like this. You may submit a proposal and wait months before 175 .Best Case Try this experiment to create more positive thinking. Instead think in terms of best case/worst case. 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. who is going to think twice about your errors after they arrive home that night? It would never happen. Most people don’t remember what even great speakers say! Besides. What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. many of our efforts don’t bring immediate results. And if they did laugh. So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. most people in your audience would rather die than speak. so what? Who cares? Besides. so you’re already way ahead of them. Then take on life without apology or embarrassment. Think about something that you are afraid to do because you think you might fail. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. 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.

why not be positive. 176 . It’s time for a change. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. This relationship is going nowhere. The way to get over them is to keep it moving until something positive does happen. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. Everyone faces down times. Had I let negative thoughts overtake me during times when it felt like I was not getting anywhere I wouldn’t be where I am today: a self-made millionaire still young enough to physically and mentally enjoy my success. Stay positive by remembering that lesser. 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.Lifemoney getting a reply. 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. Unless you’re prepared to wait. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. Without those first small steps there could be no end result worth noting. She’s probably like all the others. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. 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. lack of feedback can lead to negative thinking. Think of it this way: you’re going to have to spend the day in some way.

Create a Repeatable Success Thought When you set your sights on a distant goal. going back to college at 40. But that is the time to push the envelope to reach your dream. We ought to try a little longer in case this turns out to be something good. the faster your mind will change into a direction that goes forward. trying to get into graduate school. 177 . it may seem unreachable at first. Really look carefully at these statements for a moment. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. especially if others are telling you it won’t happen.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. For example. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. Or maybe the girl has a habit that reminds you of someone you used to date. or climbing to the top of your profession may seem unachievable at first. The key is to quickly counter the negative talk the instant you recognize it. 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. They rob you of positive energy and momentum. The idea is to simply stop thinking negatively and to find something good to say “yes” to.

I do not need second helpings.” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence. The more you say it. “I’ll stop spending.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. Don’t write long sentences or anything that is too short or vague.” (Too long and detailed) 2. I call these “success thoughts. Make your success thought as specific as possible. I will speak up at today’s meeting. Be specific and limited. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. Goal Achievement Exercise V Take out your Workbook. and repeat it often. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1. “I plan to stop spending too much money and will close all my extra credit card accounts and only carry cash when I go shopping. write down positively phrased replacement terms you can use as success thoughts. To avoid negative self-talk and track negative thoughts. the sooner you will believe it. Nothing can block my success.” (Too short and vague) 178 . I will take my wife to Hawaii next year.

but the important thing is to think positive.” (Positive. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. and you have to fight. When you fall down. Everyone makes mistakes. “I’ll use just one credit card. Lifemoney Currency “Anything is possible. “I’ll pay my balance each month.” (Positive. After a few weeks. but you have to think positive. “I won’t charge more than $50 weekly.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. Instead.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. it’s how you view them and what you do about them that matters. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance. specific and helpful) 2. update the success thought for a related goal. such as. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. 179 . pre-recorded message that reminds you to stay on track. detailed and valuable) Use your imagination to come up with more positive statements like these.Positively Thinking These thoughts are both non-specific and vague – You’ll stop spending for how long? Forever? Neither of these statements will be particularly helpful in the real world.

Lifemoney Don’t let past failures hold you back. Although others may have held you back at one time or another or you may have to seek help to reach your goal. Don’t let anything keep you from getting it. Keep focused on what you want. 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. 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. remember that you are responsible for how your life turns out.

_____ 2. giving yourself 10 points for each checkmark and 0 points for any left blank. proactive thinking. _____ 4.” -Brad Turk 181 . _____ 6. but rather. _____ 9. with the waiter on his way over to fill it up. some view the glass as half full. _____ 1. I view the glass as half full. _____ 5. _____ 3. I refuse to hold on to negativity and past misbehaviors. I am watching for opportunities to say yes to. I keep moving ahead even though I’m not getting immediately rewarded. to fix my situation.Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. _____ 7. I will continue viewing myself as a winner. Lifemoney Currency “Some view the glass as half empty. I am making consistent efforts not to complain. and then tally your score. _____ 8. _____ 10. I will not let others’ pessimism interfere with my plans to reach my goals. I will act as if I’m in the role I want to play. I am learning to manage personal and job-related stress by positive. I can see how past accomplishments have prepared me for the future. I repeat success thoughts to myself as often as possible. not a loser.

it just doesn’t come naturally. I forget all of the things that have broke. But I have broken 35 bones. 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 now. 182 . Not true. I shattered my pelvis.” -Evel Knievel Overview Few of us do well with sacrifice. We want it all.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. When you recognize that sacrifice is frequently a part of success. Successful people know that dreams don’t come pre-packaged overnight. They say I have broken every bone in my body. it turns denying yourself into investing in yourself. If we could find a way we’d have it yesterday. I had surgery 14 times to pin and plate.

They are simply unwilling to sacrifice anything to get where they want to go.100. It cost him $175. would you? 183 . but I can tell you that Spike would probably say yes. off the ground he did just that. Spike Lee knows that sacrifice can pay off . you have to make those kinds of sacrifices. Some work two and three shifts for years at a time. Since then Spike Lee has produced at least 22 other films that have made over $433. rigorous job to get where they want to go. there are people who were born in this country who complain about the lack of jobs. to get his first film project. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying. It’s a real risky strategy but sometimes when you believe in something strongly enough. store or business. Many immigrants come to this country with nothing but the shirt on their backs. I will tell you right off the bat that I wouldn’t be. This much I can tell you.000 in sales. grateful for the opportunity to have all the work they can handle. Within a generation. sacrifice is often a part of any success story. They lay everything they have on the line. She’s Gotta Have It.Sacrifice Borrow. 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.big time! Big or small. saving every penny to open a restaurant. Why? Because they work hard. But if that was the only way. Was the sacrifice worth it? You’d need to ask him. sleeping just a few hours a day. Yet. In 1986.000 in domestic box office sales. some become millionaires. Ask filmmaker Spike Lee. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants.000.

184 . There were no shortcuts to success. took a job as an insurance salesperson straight out of college. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. He had to sacrifice his nights and his only free time in order to get where he wanted to go. Lifemoney Currency “Judge your success by what you had to give up to get it. Ask yourself the following questions: • • • • What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes.” -Dali Lama Sacrificing for Success Mike Luckovich.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. to reach out and grab your future? • Just how far are you willing to go? It’s vital to answer these questions and know these things about yourself. at almost any cost. Pulitzer Prize winning political cartoonist.

185 . and giving up your weekly poker game to play tennis. etc. or is your goal just a casual want? Only you know. You have to be willing to do whatever it takes to claim them. I am committed to helping you get where you want to go. What do you have in your life now that is expendable. or he might have gotten discouraged and given up. and I can’t make up your mind for you. But he stuck with it. and you will have to be ready to give it when the time comes. He could have taken the easy route to avoid jail time. List the tradeoffs you are willing to make to reach one of your goals. For example.Sacrifice Martin Luther King. and/or enjoy that you are willing to part with in exchange for your goal. Choose one of your goals and write it out. Ideals are not cheap. Below the goal you just wrote. list three things you now do. improving the lives of millions of people. Jr. $100 per month for a gym membership. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. your sacrifices could include six hours of your time each week for daily workouts. spent months in prison rather than surrender his belief in equal rights for all people. if becoming more physically fit is one of your goals. They are costly and precious. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return. Goal Achievement Exercise W Take out your Workbook. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice.. have.. However. 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.

You can view your goals in the same way. you proudly go out and purchase the gift. 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. when you do reach your goals.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. They’re both chasing the same dream: business success. Whether it costs $20 or $200. One is given everything by rich parents who buy her everything she needs and most things she wants.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. 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. But after years of careful thought and unwavering perseverance. there would be no effort or cost attached—and they would mean very little. they will mean the world to you because of what it cost to reach them. presenting it to your friend or loved one with a sense of tremendous accomplishment. Which one do you think 186 . When you get enough. Imagine a scenario of two young women. you eagerly add a few dollars here and there to save up the needed amount. Success has value because you have to work for it – you earn it. If you could just reach out and get them today. But as we’ve seen that’s not always the case. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen.

Why does she appreciate it more? It’s common sense that when you pour out your own blood. But no plan is complete without counting the cost of reaching your objectives. Find the non-essential time-eaters in my life and eliminate them. • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. sweat and tears for something you’ll own it in a way that nobody else can appreciate. write a book. or run into problems. etc. 187 . That cost is part of the joy of success. 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. Get feedback from those who already have accomplished similar goals. Period. You’ve probably heard the saying. Develop a needed skill through a second job. or taking a class. at least temporarily. In planning for your future.” Do you feel that way about your road to success. “anything worth having is worth working for. 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.). volunteering. money.Sacrifice appreciates the success more? You know the answer. Put less important things on hold. Seek help when I get stumped. you have already begun to outline some of the goals you hope to reach and have created a plan to get there. Are you ready to figure out what it will cost in time. Invest a certain amount of income toward reaching my goal(s). have a question.

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. too.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. The wealthy will have enough from current savings and investment plans.” -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. there will be nothing left. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. 188 . They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals. but less than twenty percent of the population do so. It’s a simple fact of life. 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. Underachievers live for the day and overachievers live for the future. If you spend all you have. But if you save and invest it.

Then underneath each item you expect to give yourself today. Goal Achievement Exercise X Take out your Workbook. 189 . List two or three fun things you want to do today. which in the end brings it own kind of reward. many areas of our lives undergo postponement. This might challenge you and be a little difficult. play tennis. etc. All of these things take patience. Make sure that those things on your list are things you really want to do. List one or two tasks you will have to complete before you get your reward. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. list something you will get done before you have your fun. every other week. In other words we’re doing it anyway. Instead. It might be go for a walk. When you think about it. or at the end of the month. When you have successfully conquered the need for instant gratification.Sacrifice Delaying gratification is something you get used to. eat some ice cream. we collect paychecks every week. Let’s build your ability to delay gratification. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. watch your favorite television program. almost any achievement in the world will become immediately more achievable. For example most of us don’t get paid for our work at the end of each day. go shopping. Often we don’t find out about a medical test result for several weeks. Do this exercise well and discover how much more you get done and how much better you feel.

especially if you begin with a reasonable amount. and social activities. this could involve reading. You may be reluctant to open a bank account.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. so you will never miss the amount of each savings account deposit. doing 190 . But with a little effort. So do it. family.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. Many goals that seem hard at first become easier once you get momentum established. Devote fifteen to thirty minutes several days a week to your goals. 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. pulling the trigger and going for it. I don’t do things half-heartedly. and it may seem difficult at first to find enough extra income to make regular deposits. Just do it. Finding time to work on long-range goals may seem impractical. you can arrange for a direct deposit straight from your paycheck. The same is true for working toward your future goals. then I can expect halfhearted results. We barely have enough time to get through a typical day with the demands of work. But actually. the results will come. say $25 per month. Because I know if I do. making community contacts. Most of us lead busy lives. Depending on what you hope to achieve someday.

Sacrifice volunteer service. His point was. Whatever your goal.’ but he didn’t know which half. But if you keep pulling the action and sacrifice trigger. visit with your representative. Remember that one of the keys to success is to learn everything about the role you want to play. For example. this means you’ll have to give up something in exchange for this valuable daily time. 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. if you want to get involved in local government. then you have to keep on doing the whole lot. None of those tasks took a long time – but each one was a step toward realizing a goal. 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. 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. or volunteer as an aide to learn the ropes. keep in mind that you may have to work through several levels of effort to reach them. You put in 191 . Everyone has to pay their dues as they work. Naturally. And keep pulling the trigger at each “next” level of achievement you’re taking. do it. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. of course. fully aware that not all of it will produce rewards. Sometimes it seems unfair. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. Whatever it is you must give up. you may need to first attend some political rallies. you will be rewarded. so pull the trigger now and get your show rolling. Life is a bit like that. that if you can’t tell which half.

you have to keep doing the 100% because you don’t know which bits will pay off. Well.and which aren’t. The lesson is that you must continually give 100% effort in the direction of your dreams. Your efforts will be rewarded eventually. but you’ll probably never know which efforts are being rewarded -. and others cruise it. but then life isn’t.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure. It’s a simple lesson that has never failed to produce great results for me. It reads: 192 . The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. You’re polite to people and everyone seems rude back. I know it isn’t fair.Lifemoney loads of effort and get nothing back.” This quote summarizes a great lesson I’ve learned throughout my successes.or for what -. 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. engraved there to inspire the youth of that school. This is the shadowland of hope. and anyone with a dream must learn to live there. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work. You work up a sweat.

The good news is that if you’re in love with your dreams and want them so badly you can taste them. no matter what the cost? That question hangs in the air several times during the movie as all the men do a gut check as to their willingness to take down the feared Capone. we have to figure out which ones we want most. 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. At the climax of the movie. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. Maybe they should. Are you prepared to follow this through. the whole process of success becomes easier. one of Ness’s fellow agents. Good things don’t just happen to us.Sacrifice “I will study and get ready. the work doesn’t seem like work. Those people just don’t exist. Instead. but they rarely do. having been mortally shot. In the movie. an Irish cop played by Sean Connery. But show me someone who has achieved their dream without it. What are you prepared to do? 193 . Sacrifice is sort of the dirty word of success. and then force ourselves to work hard for them. One of my favorite movies is The Untouchables. In addition. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. asks the scared and unsure Ness “What are you prepared to do?” It was a question of challenge in the face of great fear and intimidation. then he dies. Nobody wants to hear about effort and work and sweat. if you build your Lifemoney. It’s not nearly as bad as you might think. and someday my chance may come.” The emphasis is on the preparation.

and some require harder work than others.” -Wayne Gretzky 194 . to reach out and grab your future? Don’t spend the rest of your life wondering what might have been. 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. In the end. focus on “what am I going to get in return?” Investments of time or money are long-term deals. No one likes to sit around wondering what he or she has to give up as an investment in a dream. Be prepared to give up more of what you have to get more of what you want. Most do not pay off immediately. at almost any cost. the payoff will eventually be seen. But don’t dwell on the negative aspects of “what do I have to give up?” Instead. Only you can decide what you are willing to give up in reaching your goals. But if you keep putting in the effort.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. Keep your eye on the prize and focus on what you’re going to get in return. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in.

Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. Some of my goals will require that I hang tough. _____ 9. and then tally your score. _____ 1. _____ 7. 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. _____ 8. I believe that planning for the future is as important as getting by today. _____ 6. I am learning to delay my gratification for both the present and the future. _____ 3. _____ 4. I am willing to pay the cost that is required for me to meet my goals. I have calculated my goals’ financial costs and scheduling adjustments. _____ 2. I am willing to set aside less important activities to focus on my goal. I have identified several things in my life that I must sacrifice for success. ____ 10. I am prepared for life. I will put forth 100% effort at all times. I am pulling the trigger on my talent today. _____ 5.

J Overview Having patience is a key ingredient to successful living.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. without experiencing anxiety. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. By patience. It is the ability to let go of the need for immediate gratification. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results.” -Don Williams. tension or frustration. 196 . I mean the ability to sit back and relax while waiting for an outcome. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. Yet our lessons come from the journey. not the destination.

which is a powerful force that gets things done. It’s as if patience is a simple building block of satisfaction.Enjoy the journey 2) I will never get to all the things I have to do.this task has two many steps. you run the risk of anxiety. When you stress yourself to create results too quickly. 5) If something doesn’t work immediately. 3) I can’t stop for even a second until I reach my goal. relationships and personal growth when you lack patience. I’m going to move on to something else. 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. How do I differentiate the two? A sense of urgency is a good and powerful 197 . 4) I hate having to do or say something more than once. which can be very destructive. This is one of my personal flaws that I am working on. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say. you need to be patient and wait for your results. the results just won’t last long. When you force efforts. I have to be honest with you: I happen to be a very impatient person. jobs and friendships. 6) I just don’t know where to start . Gradual change and growth give you the greatest chances for success. But I am careful to differentiate urgency. There are many negative consequences on health. without which you are going to suffer. unhappiness and sometimes even anger. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. from impatience. This can further result in losing important things like business relationships.

There is no way a sense of urgency can create the satisfaction of writing a best seller (let’s hope this will be) instantly because of the timeframes involved in the task. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. I have an unrealistic expectation of speed. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. and don’t let the things I can’t control stress me out. Based on where I was in the process and the faith that I had in my contacts in Mexico. 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. I need to clear it from my mind. And this is probably true for you too. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. This is a struggle for me as it might be for you. If I can’t change or alter a situation. Mexico. I can’t control those timeframes. For example when I take on tasks that are really time consuming (this book for example).Lifemoney tool. If I’m not careful this can create impatience in me. urgency turns damaging and can lead to senseless and sometimes destructive impatience. But when urgency is applied to things I can’t change. It’s a quality that helps me act quickly and get an enormous amount done. How do you and I remain urgent without dying from impatience and anxiety? The big lesson I’ve learned is to focus on controlling what I can control. I told 198 . I’d brought on an investor to put up the money for the deal.

So there I stood in Mexico. $1. Outraged by what transpired. 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. There was so much I had no control over. I wanted this deal done. I flew down to Mexico for my big meeting and to sign paperwork. a partner who trusted me enough to put up that $1.6 million already invested in the equipment needed for this project. I picked up my things and told the company I was meeting with that I would look over their new terms. regroup and come up with a game plan.600. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. and then I left the meeting.000 that was needed to get this project going. When I sat down in my meeting and went over the paperwork that they had prepared. I immediately extended my trip from 2 days to a full week. Based on the trust that I had built with the investor on past dealings.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. he decided to partner with me and put up the $1.6 million dollars. What was I going to do now? Go home with no deal and give up? How could I tell my investor what happened? Was I going to start from scratch after all this work in putting together this deal? What I did was relax. When reviewing the numbers in this new version of the proposal it was obvious to me that we would lose money if we signed that deal. and patience was number one. It took all the Lifemoney lessons I talk about in this book to get me through this situation. I noticed that they had changed all of the terms of the deal. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 .

If I did not have the patience to stick this out. Do something fun and celebrate your incremental success. I started making calls and finding out key contacts and setting up appointments. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. 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. I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. • Reward yourself for completing something difficult. I wound up getting an even better deal than I would have initially. If you understand that success is a journey you will begin to enjoy each moment and will realize that being impatient is counterproductive and takes away from the joy of life. Focus on the results and not the task. I would have never completed this deal that wound up being a very successful project for me. If your goals don’t seem to be on track. Why? Because I was patient and focused on controlling what I could control. reevaluate your objectives and make your goals more realistic for your needs. • Stay busy. 200 . Get preoccupied with another task until you have results from the first. Look at the things you have accomplished to date.Lifemoney had met with.

You need to start enjoying a little everyday. will I even remember it? How will it affect my life? Try it! Either take a problem that you are going through now or remember one from 5 years ago and see what came of it. I’ll realize today is beautiful and I should appreciate my health. before you know it. In 5 years looking back at the issue.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. you will wake up and have missed out on what life really has to offer. I open the window or take a walk outside and enjoy it. Who said life has to be hard? It is only tough if you make it tough. Don’t take time for granted and let your life pass you by. If you do. Remember when you were a kid and you wished you were older? How many of you wish you were younger again? We always wish for what we don’t have and don’t appreciate what is right in front of us. I find something to make me realize that it’s not as bad as I think it is. 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. Think of all the fun and excitement you will miss if you don’t savor every moment. Here’s a very personal technique I rely on to help me enjoy the daily journey. The 5 Year Test Another very effective technique I use is the 5 Year Test. For example. We need to count our blessings and enjoy what we do have and make the most of every day. When I am having a bad day. Are your problems really as serious as you think they are? I think about my problem and imagine how it will affect me 5 years from now. You need to live today like it was your last day and plan for tomorrow as if you were living forever. Chances are you will look 201 .

In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook.” Do you remember your first break up? No matter how sad you were at the time. they seem unimportant. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. Don’t let one day pass you by without appreciating something that you may never have or see again. it probably has no bearing on your life now at all. spending time with friends or family. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. Now. 202 . that when you look back on. You will remember that in 5 years. or listening to good music should be enough to keep us going and to get us over daily disappointments. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. A death in the family is terrible and needs grieving. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. list 2 problems that you are presently facing and put them through the 5 year test.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. Time moves faster than we all want to believe. a joke. A good meal. so we need to make the most out of our time. List 2 problems that you have had in the past. Getting fired from a job? That may be a blessing in disguise.

And going home and having a wonderful sleep.how could he find perfection in such an average day?" Then I realized this was the whole point" (p.175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals. going out to a restaurant for supper. unnoticed things we do all the time. friends over for lunch. at the end of the day what is truly important may be the simple. talking with people. 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. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. lying there. In a chapter entitled We Talk About The Perfect Day.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea. I was actually a little disappointed. After all these months. Tuesdays With Morrie." Morrie replies. Don’t overlook the obvious in your quest for the brilliant. author Mitch Albom visited a former professor. 203 . "That’s it. Albom asked Morrie a question: "What if you had one day perfectly healthy . dancing. a swim. "It was so simple. a walk in the midst of nature. "That’s it." he is asked.Enjoy the journey In the best-selling book. Morrie. unable to move a leg or a foot . So average...

the people who fail find excuses for why they can’t. Don’t make excuses find solutions and make it happen. it won’t feel like work. 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. Think about the person who is working outside in the heat. But I do agree that passion helps. It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated. I know successful people who are making it big in things they don’t care about. I think people are 204 . In the process appreciate what you have and enjoy it. better yet. The people who succeed find reasons why they can do something. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. there is always someone with less doing more than you. Some people complain about going to work when they work in beautiful air conditioned offices.” -Brad Turk Appreciate what you have and don’t complain and make excuses. 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. In other words. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else.

There is a story about a young man who wanted to become a famous writer. I’ve worked in situations that I didn’t have the least amount of passion only because I knew that if I stuck with it I’d get something that I wanted out of it. see your job as your vehicle to get you someplace else. long unwanted hours or working in a field that’s paying the bills even if you don’t enjoy the work? What are you supposed to do? I’ve never been a person that thinks you need “passion” for your job to get what you want out of life.and create some financial success that can free you. Then one day he 205 . Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. writing one manuscript after another and firing them off to the publishers in hopes of being accepted.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. He hardly noticed the leaves turning colors outside his small window. be stimulated and enjoy life…. If you can’t stand doing what you’re doing. My suggestion is that if you have a good job for which you don’t feel a lot of passion. 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. 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. You can do that. he locked himself into his attic office and plugged away. then look hard to find something you’re passionate about and consider a career change now.” At least that’s the way I am. But whatever you do. Try to create an external world outside of your business that enables you to have fun. In fact. Sometimes the ends do justify the means. Day after day.

Goal Achievement Exercise Z Take out your Workbook. Walking through one room after another.. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money. But it had cost him far more than he had ever imagined.Lifemoney waited for his small daughter to bring up the mail. List 5 things that you are going to do to ensure that you are enjoying your journey through life. If you are stiff and focused on a goal and have such blinders on 206 . Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. now middle-aged.” Ironically. The moral of this story is that success by any means doesn’t always “mean” success. 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. Better luck with your novel. Renew your energy. the object is to make your life enjoyable. the man went downstairs and was amazed by the quiet that filled his whole house. they were all empty of his family and furniture. found a publisher’s letter saying that his book would be published. Again. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to. Don’t stop yourself from relaxing and recouping. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. As he got angry when she did not bring the mail at exactly 2 p. in checking the mail. and have moved out. the man. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games.m.

and sometimes the answers you generate for yourself are wrong. I don’t want to miss out on life to get my reward someday in the future. It goes by both very fast and very slow.” -Anonymous 207 . You need to have a balance. As life is moving by at warp speed we ask ourselves over and over again: How can I have the best life possible? It’s not an easy question to answer. There’s plenty of time to be dead. play hard. Take the time to smell the roses. you are missing out. This much I know: success without enjoying your journey through your days is pretty worthless. My motto is work hard. Patience and Enjoying the Journey Summary Life is funny.Enjoy the journey that you are letting life pass you by. because when you’re finally done and outta here. the small everyday things are the things you’re going to miss the most. and how to really enjoy the ride. If you’ve figured out what you’ll miss the most when you leave. you’ve gone a long way to deciding where to spend your free time. I want my rewards as I go along. Lifemoney Currency “Enjoy life.

_____ 7. Lifemoney Currency “Live today like it was your last day. _____ 4. I will have urgency in my work and patience waiting for my results.” -Brad Turk 208 . I will find something positive out of everyday. _____ 5. _____ 1. _____ 9. and plan for tomorrow as if you were living forever.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. I will not take for granted what I already have. _____ 3. _____ 10. and then tally your score. I believe my day to day efforts will have an effect in the long run. I will take a break from time to time to rejuvenate and enjoy my life. I will not wait until it is too late to enjoy my life. I will break goals into pieces and patiently work on one piece at a time. I will practice the 5 Year Test I will not stress over things I can’t control. I will take time to stop and smell the roses. _____ 8. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 6. _____ 2.

101 Affirmations 209 .

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