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The Proven System for Creating the Money You NEED for the Life You WANT
By Self-made Millionaire Brad Turk
life·mon·ey (n): the non-monetary currency needed to attain success and develop wealth and personal satisfaction
Copyright (©) 2007 Brad Turk
All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or any other means electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of the publisher.
This book is dedicated to all those success stories that were earned through a smart plan, hard work and dedication. To the underdog that went beyond what they imagined they could achieve by never giving up. To those that are on the road to accomplish this success, are committed to their cause and will not be sidetracked....
................................................................................................................................... 6 Overview....38 Sometimes It’s Better to Strike Out .........................................................................................................................................................46 Goal Achievement Exercise D............34 Defining Success Summary ..................33 You Are in Control.............................. ................................................................................................................................................................................48 Buy Stock in Yourself .............................................................................................. ..................41 Goal Achievement Exercise B ...................................................................................................................................36 Millionaire’s Checklist: ............................................................................................................................................................................................................................................................39 Who are you? ......................................................51 Make Less .............................................................................................................................................................................................................24 Overview..........................................................................................................................................................................13 Getting Focused............................................................ Inc........................52 A Fish Story ...........................47 Get Rid of It! ............................................................................................................................................................................15 This Was Only the Beginning ...................38 Overview......................................11 Learning About Business.................................................... Not Cash) .......................................................................24 Success on Your Terms ..................................................................................................................8 Persistence Pays Off ....................................................................................Table of Contents Introduction: Millionaire by 30..........................44 What Are Your Limitations?. Retired by 35: What Lifemoney Means to Me....................................................56 v ............................................................................................................................................................................................31 Goal Achievement Exercise A.............................24 Want to Succeed? Sleep Late!..... Inc..............................................6 If I can do it… ..................................................................................................................... 1 My Lifemoney .. / MyMusicSite....................................53 Can You Dunk?..............................................................................................com ............................................................................................................................23 Lifemoney Lesson # 1: Defining Success.....................................................................................37 Lifemoney Lesson # 2: Knowing Yourself ..........................................................................................................42 Goal Achievement Exercise C ..9 Looking for Motivation ................................17 Global Business Solutions...........................18 Heat Wave Tanning......27 Find the “U” in “SUCCESS” ..............................50 Goal Achievement Exercise E ........................................................................ Anyway? .....................................6 My Early Years ....................................................................21 …You Can Do It................................................. Too!............................................................................................................................28 WHOSE Dream Is It..32 Win Life’s Lotto (Real Wealth is Measured by Achievement..................................................................................................................19 Self Made Records....................................39 Don’t Be a Stranger (To Yourself)................................................... Inc...10 Knowing Myself.......Find More...................................
................................116 Overview............................................59 Step Up ......................................................61 Establishing Action Steps ........................................................................... 107 O.....81 Overview..............................................................71 Three Huge Obstacles.................................................................................................................................................................................................63 Goal Achievement Exercise G....................................................81 A Successful Person’s Tool Belt ......................................66 Goal Achievement Exercise I ................................................................................................................................................65 Write It Down ...............................................................................................................................................................................................................................................................................................................Knowing Yourself Summary .......................63 Timelines ........101 Overview.................................................................................81 Tool #1: Focus .......... 105 Maintaining Your Course ............................................... 116 Can’t Get a Job? Buy the Company! .............................................................92 Tool #5: Do or Die Trying Commitment........................................................... 116 MacGyver It!........ 118 vi ........................... 103 Goal Achievement Exercise M ..........................................................................................72 Goal-Setting and Overcoming Obstacles Summary.................................................................................................................................................. 111 Evaluating Your Progress Summary ..................................................................................79 Millionaire’s Checklist: ..............................................................85 Tool #3: Efficiency ................................................................ 110 Goal Achievement Exercise N..............................57 Millionaire’s Checklist: ..................................................................................................................................................................................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles............................................................................................................................ 100 Lifemoney Lesson # 5: Evaluating Your Progress ............................................................................................................................................................................................................................................................................95 Gathering the Tools for Success Summary........69 Goal Achievement Exercise J ..................................................................................................... 115 Lifemoney Lesson # 6: Resourcefulness..............................................70 Goal: To pilot my own airplane ............................................................................................59 A Quick Review ............................................................................... 114 Millionaire’s Checklist: .....................................................................................................................................................................................................................................................84 Tool #2: Time Management ..............................98 Millionaire’s Checklist: .........................................................................What If You’re Way Off Track?.......................................................................................................................................................................................................................................................................................................................................................................................................................88 Goal Achievement Exercise L ...........83 Goal Achievement Exercise K...........................67 Nothing Can Stop Me Now…...................................................................................................64 Goal Achievement Exercise H.......................................................................................89 Tool #4: Priorities....................... 101 Don’t forget the map! ..........................................................................60 Start by Writing a Goal..................................................61 Goal Achievement Exercise F ...............K….......................59 Overview........................................................................79 Lifemoney Lesson # 4: Gathering the Tools for Success...................................... 101 Progress Report ....
.............................149 Overview...................................................You’ll Find It ..............................................................................Fix It .......................... 149 Sharpen Your People Skills ....................Keep Looking .............................................................................. 125 Goal Achievement Exercise O................................................. 137 Five Creativity Factors ................................................................... 185 Goal Achievement Exercise X............................................................................ 151 Turk’s 12-Step Plan for Bridge Building................... 122 There’s No Need To Grow Up......................................................................................................................182 Overview................................................................. 127 Find An Expert ............................................................................... 166 Where’s Your Head At? ................................................................................................................ Go into Debt and Max Out Your Credit Cards .................... 135 Goal Achievement Exercise R .................................................................................................................................................................................................................................. 131 Millionaire’s Checklist: ......................... 130 Resourcefulness Summary..133 Overview...................................................... 167 Change the Mental Channel...................................................................................................................................................................... 178 Positively Thinking Summary . 135 Dream It....................... 194 Millionaire’s Checklist: ............................................................................................................................................................. 177 Goal Achievement Exercise V.............166 Overview......................................................................................................................................................................................................... 175 Eliminate Negative Self-Talk............................................................................ 195 vii ................................... 133 A Lesson From Trump .................. 147 Lifemoney Lesson # 8: 12 Steps for Power with People.................................................... 189 Sacrifice Summary ................................................................................... 182 Borrow................................................................................................................................... 132 Lifemoney Lesson # 7: Creativity ................................................................................... 137 Millionaire’s Checklist: .............................................................. 133 Goal Achievement Exercise Q................................................................................ 181 Lifemoney Lesson # 10: Sacrifice ...................................................................................... See It............................................................. 175 Keep It Moving ...................................................Best Case............................................................................................................................................................................................. 183 Sacrificing for Success .................................................................................................................................................................................................................. Do It! ........................................................... 179 Millionaire’s Checklist: ............................................................................ 165 Lifemoney Lesson # 9: Positively Thinking ............................. 128 Goal Achievement Exercise P ............................................................................................ 174 Worst Case .................................. 176 Create a Repeatable Success Thought .............................................. 169 Goal Achievement Exercise T ........................................................................................................................................................ 149 Goal Achievement Exercise S ....................................................................................... 171 Goal Achievement Exercise U........................ 170 Don’t Complain ...................................................................................... 164 Millionaire’s Checklist: ........................................................ 173 The Key to Success? Live Out Of Your Car.. 184 Goal Achievement Exercise W .................................................. 152 12 Steps for Power with People Summary ................................................................................... 166 The Multi-Millionaire Blues ...................................
............................... 202 GOAL (Go Out And Live)........ 201 The 5 Year Test ........................................................196 Overview............................................................................. 206 Patience and Enjoying the Journey Summary............................................ 204 Goal Achievement Exercise Z ................................................................................................................................................................................................... 208 viii ........................................................................................................................................................................................................................................................ 200 Enjoy the Journey.......Lifemoney Lesson # 11: Be Patient and Enjoy the Journey ................................................................... 196 Doing Time .................................................. 198 So what should you do to be more patient? ..................................... 202 Seek Happiness in Simplicity .................................................................... 207 Millionaire’s Checklist: ........................................... 196 Mañana ......................................................... 201 Goal Achievement Exercise Y.............................................................................................................................
1 . not money. Lifemoney will show you what you really need to live the life you want. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. new entrepreneurs perfectly – but can be adopted at any age. Lifemoney will help you understand what success really means and teach you how to attain it. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first.Introduction: Millionaire by 30. Money is simply a tool to help you get what you want out of life.” -George Foreman Life comes first. it’s at what income. Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire.
In this book. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. yet most people don’t use the correct tools to get what they want. a new home. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . it’s the dollar figure you define. If it’s career happiness you’re looking for. For example. be it a million dollars. part how-to. Imagine having the task of hammering a nail. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. part financial management. it’s the job that makes you happy on a daily basis or brings you closer to your goals. Lifemoney begs the universal question: What do I really want? Is it money? Happiness? Health? Self-worth? Or a life where money is merely a tool and not the measuring stick by which we rank ourselves against one another? When it comes to Lifemoney.000 in quarterly bonuses. Part self-help. it’s not the job that I feel is prestigious that matters. It could be $240 a week or $240. if it’s money that you’re after.400. it’s not the dollar figure I define as Lifemoney that’s important.One of the most unique features of Lifemoney is that it’s entirely personal. Would you use your shoe? Would it work? Possibly.000 a year or $2. But how much easier would it be using a hammer? Lifemoney is a hammer: it teaches you how to realize your goals and become a happier person by using the right tool for the right job. a new job or just a raise or promotion in your current job. 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.
). let alone both? I was a millionaire before the age of 30 and retired soon after. It offers a set of tools. Instead of concentrating solely on the financial aspects of making your first million. not just financial. I have been fortunate enough to learn that most successful people share a lot of the same attributes. etc. Whether you are looking to be the next pop star or the perfect housewife.most of whom happen to be multimillionaires. But more importantly. The exercises in the book 3 . and want to share them with you. there are common qualities. I have distilled those attributes. Lifemoney will give you a blueprint for success in all facets of life.My Lifemoney WANT. some executives. along with real-life examples you can use to plot your course for success. Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . If you learn these lessons – and actually follow them – you can and will succeed. So who is Brad Turk and why am I qualified to write a book about life or money. This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life. This book will show you what those characteristics are. My schedule and time belong to me and I do what I want with my days. I am living the life that I want to live. This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. Through my interactions with many successful and famous people (some recording artists. My definition of success is simple: Accomplishing what you set out to do. used them for my own personal success. characteristics and personality traits that you will need to get you there.
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. see what works for you and.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. 4 . In this book. prioritize and manage time Learning the value of determination and commitment in attaining goals • • • • • • Learning how to evaluate progress and welcome criticism Learning how to be resourceful when overcoming obstacles Learning how to deal with people effectively Learning how to use creativity to get more out of life Using the power of positive thinking Learning to sacrifice some of what you have to get more of what you want • Being patient and enjoying the journey Lifemoney is designed to walk you through each of these attributes. While reading Lifemoney you will become familiar with these attributes. 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. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation.
Clearly. The higher your score – the higher your Lifemoney skill level. list and track your progress. Repeat these affirmations to yourself when you need a quick boost.com (Code: naNtZB). 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. I have created a list (that I use) of affirmations that you can also download for FREE at www. 5 . you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement.com.bradturk. These proven tools are specifically designed to help you plot.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. Sprinkled throughout the lessons are A-Z Goal Achievement Exercises that ask you to reflect on how to apply what you just read to your own life. Feel free to use mine – memorize a few of them and repeat them to yourself when you feel like you’re not making progress – or add some of your own.bradturk. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. Everyone needs some kind of stimulation and/or support to keep their spirits alive. Remember that this book is designed to fix one of life’s biggest problems: blending your wants and needs. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it. there is more to life than money but you just can’t live in this world without money. What’s the answer? Lifemoney. This checklist will help you quickly see if you are developing the skills that were discussed in that lesson.
rich and retired. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself. Over the course of my very short professional life I’ve achieved the American dream: I’m young. If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing.” -Brad Turk Overview I want to take just a few pages to introduce myself. salesman. I achieved personal and financial success through various ventures in the telecommunications industry. I’ve found the American dream and retired early. entertainment field and having a 6 . actor. Through experiences as diverse as being a break dancer.Lifemoney My Lifemoney “It’s never too early…to make your first million. business owner and entrepreneur.
Not all of these successes share the exact same 7 .My Lifemoney retail tanning salon. Consider these lessons to be the fishing rod. Give someone a fish and they eat for a day. 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.com arena or hit the lottery. whether it was through direct interaction with a mentor or learning from other sources. It’s not that hard really. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. and if you’re willing to be my student for just a short time I can show you how. I did not strike it rich in the dot. boat and everything you’ll need for a life of accomplishment and success. 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. Diddy and even myself have been “taught how to fish” at some point in their lives. All the successful people I discuss throughout this book including Warren Buffett. You’ll never need to go hungry again. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success. Think of the old story about giving someone a fish or teaching them how to fish. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. That’s what Lifemoney is all about. adapting the rules of success to your personal situation. teach them how to fish and they eat for the rest of their lives. Instead. These lessons can be learned by anyone. I am going to share just a little bit of my personal history first because I know myself that to trust someone I need to know a bit more about their background – what has formed them into the person they have become.
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. I got heavily into break dancing. 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. and by the way. When I got to junior high. Mom didn’t let it stop her. That’s where I first learned about work ethic.Lifemoney attributes. and no money. and she was a tremendous teacher. new neighbors. You can always come back to me later). 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. but they usually have a lot of similarities. (Oh. In addition. my mom and I had moved to Forest Hills. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . There were new surroundings. 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. new opportunities. My Early Years I began life in the Pomonok public housing projects in Flushing. best of all. rapping and acting. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. I learned these lessons by reading books of successful people and from my peers. I won’t be insulted. By the time I was in fifth grade. new friends and. It was a much nicer neighborhood. New York. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. though. She kept right on plugging away with her 3 jobs. New York.
In fact. not succumb to them. I bought a reference book called The Ross Report. I sent the package out to the same agents two times but didn’t get one response either time. The first agency I visited was Schuller Talent. a huge child actor of the time 9 . They represented such actors as Emanuel (Webster) Luis. This is when I first began to learn about the value of persistence.My Lifemoney industry. Frustrated by the lack of response. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. Finding an agent to represent my efforts was. not easy. and thinking outside the box. I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. dealing with people. I decided not to sit around and wait for something to happen. Since my working mom didn’t get home until late I would go alone by train. To follow my dream I had to overcome several obstacles. and I began going into the city (New York) for auditions to try breaking into the business. as you can imagine. Actually. I’ve always been a hustler.” The do-not-call rule was strongly enforced. For starters. the only way to contact agents was to send query letters with photos and resumes. Most emphasized the boldface message “not to be called or visited. as well as how to contact them. But the first rule of success I learned was to work around your obstacles. which listed talent agents. a renowned child talent group. Persistence Pays Off To make it in the acting field you need an agent. I followed directions exactly and sent my headshot along with a resume to one hundred agents.
Had I continued to wait for calls that never came. I often skipped classes.Lifemoney and Danny Pintauro. I turned to leave. After thanking the secretary. As a result. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. Hanging out with my friends and social activities seemed more important. I told her I just wanted to make sure it got into the correct person’s hands. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. I thought that she was listening to what was going on. But taking the initiative. and signed with Schuller for representation. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. who was extremely nice and reassured me she would get my packet into the right hands. I set out to get answers to my questions. Looking for Motivation Unfortunately. I didn’t do very well in high school. I continued my conversation with the secretary. auditioned. the child actor from television’s Who’s the Boss? Walking through the agency’s door I met a pleasant secretary and introduced myself.” the agent in charge of the group that I wanted to join. From the corner of my eye I noticed a woman standing in the doorway. I returned the following week. She followed me out and introduced herself as “Davina. and found the success I was seeking. I barely 10 . 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. I might not be where I am today. Not surprisingly. and when I did show up I didn’t pay much attention.
I was looking to make a lot of money and enjoy nice things. With this pressure from my parents. I learned early on that being a struggling actor was not for me. My father had resurfaced in my life to pay for college. Through hard work. I earned a 3. they didn’t want to pay for it.92. I changed my habits and learned how to be a student.88 grade point that term. they explained. It was a great lesson: Not all of success is flashy and easy. After getting in. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted. and was eventually inducted into the Phi Eta Sigma national honor society. Although you can make a good income from acting. using my acting resume. And.My Lifemoney made it through. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. But he and my mother told me that they would only support me if I did well the first semester. The following semester I got a 3. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. I applied for a double major in business and theater and. I realized that my next job was staying in. For these reasons. I decided I didn’t want to end up stuck with no way out. 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. the odds are severely stacked against huge financial success. I had a hard time getting into college. 11 . Knowing Myself In time I would become a very successful entrepreneur. The only thing to be decided was how I would get where I wanted to go. I got accepted. If I was going to “screw up” like I did in high school.
for lunch one day. Looking back. So I took a different route and it has paid off for me. 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. the sacrifice has paid off. He answered. When it came to making money. I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. As with my junior high acting days. I asked him if he was going to order anything else. When he only ordered soup. “It’s cheap and it fills me up. a struggling actor.” I bought his lunch that day. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. But.Lifemoney I remember meeting a good friend of mine. as with acting. It was a real education. I knew myself and knew movie stardom wasn’t the right route at that time. For him. But before I fully ventured into business. I spent the last years of high school and beginning years of college working toward that goal. the music industry does not often accept unsolicited 12 . I could see the moment in that restaurant as a turning point. I sent out many demos to try and get people interested. But his limited income made it clear to me that this was something I did not want to do. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. I still had some entertaining left in my system. I wanted more of a sure thing than acting. From my break dancing and rapping days I had always kicked around the idea of being in the hip-hop industry as a rap artist.
I was chosen as a semi-finalist out of 500 entrants. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. I also tried to learn the business side of the industry. This is exactly how you build Lifemoney. In 1991. I kept working toward my goal of becoming a rap artist and trying to learn the business. Although I didn’t win the contest. I sent in my tape.My Lifemoney material. co-sponsored by 98.7 Kiss FM in New York. even when you’re going against the grain. It was validation that hard work could pay off. My goal was to get noticed and possibly get someone interested in working with me. This was pre-Eminem and not too many white people even listened to rap. even for free. I got a job as an intern (for no pay) working for PolyGram Records. In fact. In this world you have to take opportunity where it comes if it will help you achieve your goals. If the artist believes a later recording is similar to his or her music. Although no longer in existence they were one of the premiere labels at the time. A key lesson I learned was that if you want to understand an industry. Learning About Business In addition to finding some measure of success in the entertainment side of music. let alone were successful at it. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. I recognized the value of this attribute and stored it away for later. you need to work in it. I knew 13 . I entered the Pepsi Rap Up the Summer Contest. a lawsuit can result.
a recording label. It’s important to understand what you are getting into before you are knee deep. feel free to import ideas from wherever you can find them.the talent . The following year I released “That’s Evil Man” on ZOO Entertainment. If you want to work in politics. It worked. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . And always be resourceful. “I just want to get my foot in the door. my targets would be curious enough to open it rather than throwing it away. mixers. I figured if I sent a package. picked me up and got me signed to BMG for distribution. 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.” I once sent a sneaker in a box to a record label with the note. and access is one of them. It paid off.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. learn it from the ground up. There are more important things than money in this world.” along with my demo tape. BMG. Door after door was being closed to me. For example. If you want to learn a business. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. You might find it’s not what you expected it to be. But it’s all valuable. Basement Records.and the men and women behind the talent the producers. It was one of my earliest stabs at being resourceful. volunteer for a campaign or move to DC. The access I got taught me lessons I could have never learned anywhere else. For example my rap name was “Sneak. agents and managers. if you want to someday own a bar you should work at a few for a while to learn the business. both the stars .
My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. That’s a hard truth to see from the outside. PolyGram Records. But the truth is making money is hit or miss and is more often just smoke and mirrors. Eventually it went to number 27. It was an exciting time. The music business seems glamorous. which I did. Getting Focused Looking back on it now I can see all the stair steps that were being put into place for my ascent to success in telecommunications and various other ventures. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. It didn’t stop there. 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. for more reasons than just getting airplay. Money provides those things. It was pretty exciting to walk into a record store and see my CD for sale and have friends call telling me they were hearing it played on the radio. I was finally seeing a dream come true. But like 15 . In 1994. actualizing my goals and watching them come to life. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences.” Next Plateau. You see – I already understood that making money was a priority for me – an important goal. 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. 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. full of rich stars and power players. but in reality there are very few people that make it big – and make the big money. It is a difficult business to really make money. While I enjoyed working in the music industry.
How did I do that? I started selling real estate at night. I also knew that I had fine-tuned all the systems there to do my job in half the time than I had been doing when I started working with the company. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. and could not fully understand or relate to getting life insurance for protection for other family members. so I pursued this opportunity. but it was apparent that I was a tremendous asset. Not to sound conceited. The branch owner wanted to train me to sell life insurance. I could make even more money. I did not have a wife or family. Imagine what a retiree would think about a guy that appeared to be 18 years old providing advice on retirement! Recognizing that only true passion creates true results. I was interested in sales. the branch focused on selling long-term care and retirement planning. I figured if I spent more time on my part-time real estate job. After leaving college. And guess what? I started making more money working part-time than at my day job. In addition. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. I decided to make business decisions that would bring me closer to where I wanted to be. I saw that real estate was more suited to my personal goals at the time. I understood the insurance office management job completely. For one thing. Also.Lifemoney most young people I didn’t understand what was going on. I decided to take my hustling a step further. Unfortunately. I decided to 16 . Becoming successful. I did not find that product to be a perfect fit for me or my personality. I went so far as to get licensed to sell life insurance. I took over a job for a friend as an office manager for a life insurance company.
You never know if someone will say yes or no to a question until you ask the question. I was putting those early Lifemoney skills into play and getting the same amount of work done in three days as I had done before in five. I began to learn about the importance of defining success for myself. This would permit me to have two more days to sell real estate. He reluctantly agreed on a test basis. instead of just quitting I told him I could do the work in one day that I had been doing in three.” It was a risk to leave the security of a full-time job. making my own way and even started knowing myself and where my real talents and desires 17 . You never know what people are willing to do – or what you can accomplish – until you try. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life.My Lifemoney leverage all that. I also promised him that the quality of the work would not change. I guess the company trusted me enough to give it a shot. but I had hedged my bet by learning the ropes first and not jumping ship from the corporate job too quickly. and I went from initially working five days a week to just one day per week. Best of all. I made sure I did everything efficiently and wasted no time at all. For example. I was doing well enough and was confident enough in real estate to do it full-time and get rid of my “day job. my gamble worked! Eventually. But my education was just beginning. and there was a lot more to learn. at the same pay. I didn’t know it at the time but I was to go through many more experiences that taught me how to build and run successful businesses and be happy at the same time. When I went to my boss to resign. the one you’re probably most interested in.
I was already bringing in a six-figure salary and at the end of my third year there I earned $387. I was not an overnight success story. Global Business Solutions. I became one of the top salespeople in the nation. like actual cash. At MCI. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). 18 . Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. evaluating my progress. 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. 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. It was basically a mini-version of one of the larger telecom corporations. That is in fact how this book got its title: I literally realized that all the triumphs and setbacks were creating skills and qualities inside me that were worth something real. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money. I’d learned that when the big companies couldn’t supply a product.07. I used them to create many business successes.086. By my second year. Especially patience! It was a lot for a young person like me to absorb. but the skills that were created in me were worth more than cash.Lifemoney were. But I still had to learn about setting goals. Inc. resourcefulness and creativity. and I didn’t hit it big with the lottery. sacrifice and patience. Rather using the attributes I list for you in this book I became successful in project after project and business after business.
When you’re always on the lookout for something new. One of these areas was in the pre-paid calling card business. lower to the ground and closer to the customer’s ear. you or the opportunity. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. I let the customers guide my business. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. allowing me to sell anything the big boys sold – and better – because I was smaller. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. and to always be so reliable that I would always be the “go to” guy in the future. the customers would want you to do everything for them. I understood that customers loved a one-stop shop. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. I saw what the needs were and I fulfilled them. I eventually contracted with many providers. remain loyal and protect them as much as possible. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers. it’s harder to tell which came first. and seeing niches before everyone else. 19 . Sometimes you go searching for new opportunities and other times opportunities find you. If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. Inc. Heat Wave Tanning.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover.
But I was discovering that retail businesses require a lot of time and attention. The tanning business though was more hands-on. I decided to open my own tanning salon. I researched the business and found out that it was a very low maintenance business and pretty profitable. and Heat Wave Tanning was really a great business and a great opportunity in my life. It turns out that people just were going in there to catch a tan. 20 . But I felt I was ready for that. I could manage most of it via remote control. It was exciting. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. It is definitely a great business that I would highly recommend. and might one day do again. It was like having a puppy at home: you never felt comfortable being far away for very long. grows us. managing ten employees. I told myself: it stretches us. Better yet the business seemed as if it could run itself. and managing customer issues just didn’t do it for me. made my money and then I sold it. and I decided that I didn’t want that kind of responsibility. So I kept the business for two years.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. A telecom business like GBS was more “virtual” than brick and mortar. which was a huge plus for me. That is true. I saw a line outside of the place and was wondering what they were giving away. Change is good. maintaining equipment. building the place from scratch. and prepares us for the future. This was a different venture from my previous forays in the world of small business. Besides. The tanning business was a big change for me. After more research (and imagining that operating that type of business would be fun).
I have been launching companies left and right. I will make independent artist’s music easily available to their fans. I am doing what I love. but on my terms. in reality I’m busier than ever. For Self Made Records.com are both my hobby and business. Inc. In 2007. I am now in the process of coding and developing mymusicsite. And what’s best is that I can afford to be patient. 2007. Inc. set to launch in the fourth quarter. And I love it! Why? Because I’m sailing my own ship with no boss. / MyMusicSite. with little to no risk and helping others all at the same time. 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. friends and family while providing a marketing platform for them to make their dreams come true.My Lifemoney Self Made Records.com. But I can afford to do this because I love it. I signed some artists to my label and I am currently marketing and promoting them. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. Self Made Records. looking to blend business with pleasure.com Sometimes success comes full circle. That makes me happier than I can possibly describe to you. I am sometimes surprised by all that I have accomplished in such a short time. Now I was a successful entrepreneur. no limits and 21 . although I brag about being retired. Inc. and My Music Site. It was a lot of work but it has been gratifying beyond words. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. Later I was a college graduate looking to intern for a major hip-hop record label.
tellbrad. 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. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating.com) and is a retail conference location /coffee shop. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”.com (www.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. I am also in development on another site called MyMusicSite. phone.com). and business services. I will 22 . 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 snack items. I will be selling and promoting online music downloads and cell phone ringtones for independent artists.mymusicsite. satellite television. friends and family.com (www.meetingexpresso.com). break dancing on street corners and hustling for business opportunities. In addition to that business. Meeting ExpressO will provide full access to conference rooms which include internet. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. The business is called Meeting ExpressO (www. We will make independent artist’s music easily available to their fans. I am also providing a marketing platform for these artists who want to make their dreams come true. specialty beverages. I just launched TellBrad. In addition. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee. In addition to being its creator. Lastly.
That’s why I’ve written this book. Learn who you are and what you want. Instead of sitting around thinking about what you want. adapt the principles described in each of the upcoming lessons. go by some oranges! (Orange juice outsells lemonade by 10 to 1. invest your profits and. Stayed tuned and look for my name in the credits! …You Can Do It. I have found the common denominator for success. Lifemoney provides you with the tools you’ll need to reach your own unique potential. I’ll tell you how you can do it too! While my story is different from yours and from that of other people. sell it on the corner.)” -Brad Turk You can do it too! 23 . Keep score of your successes and failures. I will show you how to understand and learn a unique set of attributes you need to become successful. Lifemoney Currency “When life hands you lemons… make lemonade. Too! I began this lesson by declaring “If I can do it…” without finishing the statement. And go for it! No excuses. Now. Work on the activities.My Lifemoney also receive co executive credit and be involved with development of the project. when they mature.
My first friend. as far as I know. In this lesson I want to show you the importance of deciding for yourself what success means to you. These are the stories of two friends of mine – John and Steve . John. some might consider him rich 24 .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. 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. is in no danger of cracking it anytime soon. Success is never a game of chance and begins with clearly deciding what you are going to make happen. pure and simple. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. two very different types of success stories.
lives with his parents. John. They think that he is not responsible. He told me he was still living with his parents because he liked living with them. just as important. he just took it as a joke. he found his own success and it works for him. who is over 30 years old. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. 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 needs nothing else to fulfill his dreams. To me. several sports cars and a very 25 . He has a beautiful boat. He told me that every night that he goes to bed. From a professional perspective. has no ambition and is going nowhere. While talking about the future. Then one day we were talking and John really opened my mind to something. he has a big smile on his face. All of my other friends make fun of him. he is successful. You can’t . John told me that he was really happy with his life. knows what success means to him. He made enough money to live on his own if he wanted to. he helped them out a lot and felt that his support was needed around the house. He is truly happy with how his life turned out.and shouldn’t . It didn’t bother him what everyone was saying about him. he also said he was happy with his job. John’s parents also enjoyed him being there. who on the surface would probably look extremely successful to outsiders looking in. I have to confess that I kind of agreed with them.push your idea of success on anyone. Most days he didn’t have to go into work early and he got to sleep late. Steve.Defining Success beyond compare because he knows himself and. I have another friend. He did it his way.
Some people thrive in that kind of stressful environment. My definition of success comes from within.Lifemoney nice house. not from without. He is actually so far in debt that he does not really own anything he has. Being that I know this friend well. Why? Because they both hit their mark. This is success for him. he is in a world of hurt. 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. just so he can try to keep up with payments so that he does not default on anything. Once you define what you want and know what will make you happy. Before the weekend came. he canceled the invite because he was actually selling one of the cars. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. The weekend that he canceled our trip to the track was because he had to sell one of his cars to make his mortgage payment. you have completed Lifemoney Lesson # 1. Does this sound like success to you? It might. The truth is that Steve lives way beyond his means. He also has to work harder than anyone I know. I remember one weekend he invited me to go to the track with him to “play” with his cars. These men are both successes. Steve thrives on the adrenaline of living on the edge. He is always making maneuvers to try and maintain his possessions. He is always stressed and always in fear of losing something. Have you decided what your mark is? 26 . Most everything is owned by the bank and it seems every time I talk to him.
They go from idea to idea. we are on a journey without a map. Like fingerprints. We have no control over our path and our lives can become haphazard. our definition of success will be individual and unique. It becomes yours. When you define success for yourself. 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. most successful people (whether consciously or not) have a system. trend to trend. you own it. you’ve taken the first step to taking your life back. They start up home improvement projects and don’t finish. For the most part. get more and be more. If we don’t define success for ourselves. strategy or plan they stick to in order to reach their ultimate goals. most people are still on their quest for success.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. Success means different things to different people. No matter your net worth or social standing we want to do more. They buy gym memberships and never use it. But becoming – and staying – successful can be tricky. When you define success and what it really means to YOU. Although some people get lucky in attaining success. What works for some doesn’t work for others and what works for me might not work for you. They subscribe to magazines they never read. Why do they do this? They bounce around because they’re not prepared to 27 . Success takes personal planning and some work. With the exception of my friend John who I just mentioned. fad to fad not really knowing what they want and drifting with the flow. I think this is important because I see so many people who spend their lives wandering. There’s simply no future in succeeding for anyone other than you. we all want more out of life.
says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. look past that next job promotion or future company you plan to build. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . As Robert Collier.Lifemoney take full action.” . By starting your journey with a firm grasp of your meaning for success. They live undefined lives. What is it you really want? What. you will be fully able to reap all the benefits that await you. You should live your own life and live up to your own expectations. and those are the only things I really care about it. Desire is the planting of your seed. 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. See beyond money and its trappings. You’ll be able to move in the right direction quickly and simply because you know where you are headed before you approach the starting line.” Plant your own personal seed for success and watch it grow. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now. “The first principle of success is desire – knowing what you want. for you.
She has spent her whole life making sure her grades were in order to some day get into a good medical school. Would I live the way Warren lives if I had his billions? No chance! Should he step up his lifestyle and start spending his billions mainly on himself? Absolutely not! He is enjoying his billions and more importantly his life. He is doing what makes him happy. Let’s take. This is a man who could do anything and have anything and is content to sit home and watch a ball game. a 22-year-old student who has just received her acceptance letter into the medical school of her choice.” It works for the second richest man in the world. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). billionaire Warren Buffet. What would make you happy? We all define success differently. yacht or even a boat. With all of Buffet’s billions he has always led a simple life. for example. but successful people have taken the time to really think about their definition of success. She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. She’s successful! 29 .Defining Success “All I want is to have people around who love me.500 over 48 years ago. She sacrificed many nights of going out with her friends and having fun in order to spend more time studying. He does not really have any extravagant items like a fancy race car. He has lived in the same house that he purchased for $31.
Months of preparation and training pay off for this guy’s single-minded determination. have resulted in two stable children with above-average grades and well-adjusted social skills. along with nutritional meals and emotional support. The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. and employee – or future CEO – because of this personal accomplishment.Lifemoney A 39-year-old business executive runs his first marathon. He’s been a total success. father. his self-esteem and confidence increase beyond measure. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. Living off just the husband’s income has not been easy. While avoiding expenses like costly entertainment or expensive vacations. Although he and his wife share a modest home. they have been able to stash enough away to enjoy an early retirement and see the world. While his finishing time does not win any medals. Each of these people has achieved success. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. Then there is the couple that. I call that success on their terms. they have not missed out on anything they’ve wanted. agreed the wife should give up her job when the children came along to provide a stable home life for all. upon marrying. Sounds like success to me. That man is a happier husband. 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 .
If your parents are pushing you to become a lawyer.Defining Success WHOSE Dream Is It. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. That’s why it is important to understand your priorities clearly. love what you do.Jeff Mallett 31 . you might become bitter or resentful. it is possible to be a successful lawyer without feeling like a successful person. Even though everyone usually has a different idea of what success means to them.” . you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. in Lifemoney Lesson #2. Lifemoney Currency “Do what you love. Over time. It is how you view your situation that makes all the difference. So let’s figure out how you define success. what they all really want is personal happiness. but you don’t really want to. leave the world a better place. So once you have an understanding of what will truly make you happy. That’s why. It really isn’t what you have or who you are that makes you happy or unhappy. As you see in this example. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. While it’s a good idea to talk to your family and others who may be impacted (say. you can begin to set goals on the road to success. you’ll be finding out why it is so important to Know Yourself. I believe the common denominator in true success is happiness. 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.
What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. in your opinion. so make it handy and easy to access.com.bradturk. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. skills. etc. open a document on your computer. I am going to ask you to open this document on a regular basis throughout this book. 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. but more importantly. Then start writing about your views on success. and edit if necessary to make them readable and clear. Once you have this in place. 32 . Explain. You can use a three-ring binder.Lifemoney Goal Achievement Exercise A You will need to create a place to take notes and do the A-Z achievement exercises while you are going through this book. the hallmarks of success—money. asking yourself questions like these. read over your ideas. or download a copy of the Workbook with all the exercises from my website – www. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. set a timer for five minutes. time.
William “Bud” Post won $16. Ask the following people. Everybody had their hand out. in 1985 and 1986.” These beliefs about money are all wrong. It was totally a nightmare.” Her hand was out.4 million. “Everybody wanted my money. after declaring bankruptcy. But you just did. I’d be so happy” or “Everything in my life could be fixed with some cash. Says the man who.2 million in the Pennsylvania lottery. you might find you are still unhappy. something of a statistical freak. they’ll tell you: • Evelyn Adams. now lives on Social Security and food stamps: “I wish it never happened. I know many people with little or no money. Welcome aboard a new life. If you were handed everything you wanted without working for it. Most people just never make the move to define what they want and where they’re going. too. Not Cash) Congratulations! You’ve taken a huge step. “If I only had money. • In 1988. What does she have to show for it now? Zippo. It’s amazing how some people perceive money as the answer to all their problems. at gambling venues. won the New Jersey lottery twice. We all do.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement.” 33 . Having come from a “no money” background. Her total take was $5. Completing this exercise brings up a point I think worth exploring. Money in itself does not equal success. She lives in a trailer and recounts that.
they’re about satisfaction. she had filed for bankruptcy and had just $700 in the bank. not a financial figure. Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future.the fruits of someone else’s labors . and the ultimate triumph of accomplishing a mission. You Are in Control Success belongs to those who are clear about what it means to them. Goals are not just about achievement. To enjoy success you need to earn it. And accomplishing your dreams – your success on your own is very important. That is true success – at least by my definition. the challenge. It seems to be a rule of life that if you have good things handed to you . That’s why Lifemoney is an internal feeling. There is no amount of money in the world that can recreate that feeling of accomplishment.you miss the excitement. And satisfaction is more than being content. She shared her wealth with many charitable organizations. but before a decade had passed. that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily. and without effort are not actually participating in the creation of their own personal happiness. Here are several keys to keep in mind: 34 . it’s that amazing feeling you get after finishing a job well done. 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.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993. I know you’re probably saying “Yeaaa.
it resides in you. you willingly give your power away. Chart a course for paradise. Success is not a game of chance. waiting for you to come and claim them. it’s also worth doing despite the odds of failure and cost of success. Most likely it will be bumpy. sure. that would be incredible. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. together – because you made a conscious choice to pick up a book called Lifemoney. but your dreams are out there.Defining Success 1. Now all you have to do is take another step. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. It may take months. and another. until the value of moving is higher than the cost of those inevitable obstacles. 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. You are here – we are here. Publisher’s Clearing House might stop by your house with that big check and. 35 . Stop looking outside yourself or to others to explain your failures. Others have influence over you and affect you. When you lay blame or make excuses. Anything worth doing is worth doing well. You’ve already taken the first step. even if the voyage looks choppy. or it could take decades. And remember that it’s important to enjoy this journey so keep an eye on the finish line. 3. but don’t forget to enjoy the sites along the way. and that might not have been easy. but they do not own your ideas or lay claim to your dreams. The power to change is your own. Don’t put your trust in success just showing up.
something WILL be missing. on YOUR terms for YOU to be truly happy. you’ll always regret not doing it for yourself. there will always be a nagging feeling that something is missing. It will become clearer the more you focus and keep your mind open. If you do it for the money.” -Steve Jobs 36 . Lifemoney Currency “Your time is limited. so don’t waste it living someone else’s life. success must mean something to you if you are ever to truly achieve it. your neighbors – forget it. If you do it out of ego or pride or greed. Success must happen YOUR way. Don’t feel bad at all if you’re still a little unclear about what success should mean for you. All right. Whoever you’re trying to keep up with – the Joneses. If you let others define success for you. That’s totally normal. trust me. Let’s go there right now. your old friends from school. Lifemoney Lesson #2.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. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms.
I will always seek to lead my own life.Defining Success 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. I am winning life’s lottery. _____ 7. _____ 5. Lifemoney Currency “If you live for someone else. _____ 4. _____ 3. _____ 10. The expectations that matter most are mine. and then tally your score. _____ 2. I will look beyond money to find happiness. My life is mine and I’m excited to develop it on my terms. I spend time learning what it will take to be successful in what I love. I hope they enjoy it because you probably won’t. I will decide for myself what occupation excites me.” -Brad Turk 37 . I will define success for myself. _____ 9. _____ 8. I am seeking my own personal growth and happiness. I am in control. _____ 6.
“Defining Success. In my mind. you will build on the first lesson of this book. 38 . It’s a journey that may veer off in a thousand different directions before finally coming to fruition. In Lifemoney Lesson # 2.” by exploring who you were to determine who you are and clarify who you want to become. I expect to make great plays. great moves. but it always starts with YOU.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself.” -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.
Just think how sports history might have been rewritten if the he had stuck to what he did well instead of focusing on where he could really excel. a basketball pro. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. or two-time divorcee. He took a lot of heat for his decision because he was a GOOD pitcher. a student. 39 . 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. right? You might be a wife or husband. He stuck with the decision. unemployed worker. a son or daughter. a computer whiz. How many of us hover around the comfort zone of what we’re good at. they don’t define you. lawyer. someone’s parent. Who are you? Who are you? That probably depends on who you ask. but not without a period of introspection first. But all of these titles – husband.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. because he knew he had the ability to be a GREAT batter. you need to know who you are. a company executive. 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. Before you know where you’re going. 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. banker – merely describe you. But life success is a self-test. father. or a musical genius. one of baseball’s legendary home run hitters. Maybe you’re carrying around a little extra baggage as a high school dropout. son. not a popularity contest.
But now. Or maybe you were hoping to get married. knew you were capable of attaining. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. start here. Life has a way of sidetracking us from our goals to deal with day to day living. the goals appear too distant to reach anymore. you got sidetracked into making a living and getting by. Whoever you are. Then.Lifemoney It seems like such a simple question: Who are you? But try to answer it and you’ll find the answer is not so easy. Instead. and maybe not even worth the effort after all. 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. looking back. 40 . Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. but ready to gear up for the adventure that lies ahead. more importantly. let me help you rediscover that person again. wherever you’ve been. whatever you’ve done. when you take a moment to catch your breath and see where you are. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. and hopefully a little wiser. have kids. 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. instead of building the future you always wanted and. Maybe he or she is a little older. and live happily ever after. day to day. you find that those dreams never materialized.
the time I spend with family and friends. less really was more. restructured his organization. not the Joneses. (Either that. successful. how can you ever hope to achieve. and over the next year phased out four of his five clinics.” -Brendan Fraser 41 . He was a very successful physician with five private sports clinics. This nice.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. If you don’t know what will make you happy. Lifemoney Currency “I’m starting to judge success by the time I have for myself. In his case. or maybe just busy work. My priorities aren’t amending. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. What is success if you don’t know who you are inside. 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. they’re shifting. literally. Twelve months later he was happier than ever. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. It is not. or someone else was going to wind up dead!) He drove straight to his accountant’s office. His patients and his workers loved him and he was loaded. Why? Because he was finally keeping up with himself. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. but he was slowly driving himself insane.
Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. list your personality or character strengths. and/or specific steps you took while completing these accomplishments. • • • • • “I earned a college degree.” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. now you can see how you managed to win that particular prize. reflect on the things that worked in your favor. For example. or personal achievements.” 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 . certificates. these might include honors. Under each. “I made a wise career move by getting a better job. In looking back on your past. define a recent accomplishment by personal attributes: 1. Even if you didn’t consciously use these qualities back then. recognition. Make a list of your top four or five achievements.
Knowing Yourself 3. while others could relate more to mental functions. As you think about the things you’ve done that you have enjoyed and made you feel good.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. Some people excel at social endeavors like arranging parties or special events.” and “selective” came up in one form or another with each of the three achievements. you will get a better idea of who you really are down deep. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. You’ll begin to see how that person might emerge in the next stage of life. Look for patterns forming. some may be more physically oriented. and so on. 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.” “thorough. 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. Let’s say for instance that when comparing the events above words like “organization. 43 . like academic work. You may even recognize the type of goals that attract you. like sports competitions.
Aiming your thinking correctly requires more Workbook exercises at the start. Or you may be the employee that handles confidential matters at your company because the boss trusts you most. And maybe your list reveals a part of you that loves physical activities and accomplishments. not in a religious way. passion and effort. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages.” 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. but in the renewal of spirit. Your list could look something like this: 44 . Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors. You’ve just done an assessment of the qualities you see in yourself and that you find positive. If you do. That means laying the mental framework now for the physical action you will be taking later. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. which shows up in words like “endurance” and “commitment” and “perseverance. So take this time to remember or remind yourself of what you want out of life. I would like you to make a list of the qualities others have noticed in you. Maybe your mom has always said you are hard working. You could be someone who inspires others when they go through hard times. enthusiasm.Lifemoney The world is full of born-again success stories. Write down the characteristics that you’ve often heard people mention to or about you. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. you are on your way to getting there.
Things that are fun for us are those that match with the ability to use these character traits. This makes it that much easier to achieve your goals. It’s our job. you’ll probably find that you are drawn to things you think are fun.Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. Lifemoney Currency “You gotta have fun. Now you have an even better idea of how to play to your strengths as you set up goals for the future. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. we’re playing a game.” -Derek Jeter 45 . You need to keep this in mind as you plan your goals and how you will reach them. Since most of us do a better job with activities we enjoy. but I don’t think you can do well unless you’re having fun. Regardless of how you look at it. It’s business.
” you’re finished. you will never be able to deal with the issues that are holding you back from success. As long as you keep fooling yourself. I got the materials (or information) late. But all the while. You put things off. Everyone has weaknesses. I didn’t know what I was supposed to do. Maybe you have a lazy streak (sometimes I do). It’s part of being human. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . Everyone has flaws! But successful people understand the value of admitting to a weakness. I have a saying: denial does not change reality. “I don’t have any major flaws.Lifemoney What Are Your Limitations? Let’s be honest. working around it or improving it. As soon as you say. right? I do. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. 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. But if you don’t admit to those limitations. you can get into some real trouble. You do. The machinery isn’t working right. and moving on. My mom’s cat died and I had to bury it.
you can have the best intentions in the world when interviewing for a new job. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. These could include personality drawbacks.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait. Now write down a few of your weak areas. even deciding how to invest the extra money you’ll be making. telling yourself how it will be as a stepping stone to reaching your ultimate career goals. You also can add things about your character that could benefit from improvement. what good is all that positive self-talk? 47 . For instance. like shyness or arrogance. like being able to say “no” when you don’t want to do something. 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. or not taking shortcuts on a project. But if you’re late to the interview.
and Russell Simmons didn’t earn their millions by making excuses.Lifemoney Successful people don’t write off damaging personal traits as “oh well. and their efforts paid off. for their actions. Bill Gates. they blame themselves 5. for their failures. Don’t blame the weather for being late. is useless if you don’t act upon it. that’s just me being me.” Instead. so take action. Take stock of their weaknesses and work hard to improve them 2. for their weaknesses. it’s easy to throw in yet another excuse about finding the time to make these changes. And action means work. they: 1. for their triumphs. get rid of it. they blame themselves In other words. You may want to start working on these weaknesses one at a time until you start seeing better results. Don’t blame the economy for low profits. the minute you start passing the buck. for their inactions. Don’t blame the product for being inferior. 48 . They did what it took to climb the mountain of their success. for their strengths 3. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. Always assume personal accountability. There are so many things you can do. But remember that people like Donald Trump. the bucks start passing you by Get Rid of It! If procrastination and chronic lateness are a symptom that both you and others recognize in yourself. don’t write it off as a cute character flaw. Derek Jeter. Eat breakfast on the way and tie your tie in the parking lot. Knowledge. especially self knowledge. Of course. they blame themselves 4.
Another example was a short lived photo search engine called Riya. if you like words and books choose a different road to your success such as writing or communications.” but it didn’t work. 49 . They decided to view “failures” as information sources for building new things. On the other hand. one of the most successful photo search engines on the web. Maybe you’ve already tried success “your way. then choose something that includes some type of numbers work like accounting or investments. What matters is that you freely explore any path you wish until you find the one you are destined to travel. they viewed the results as useful information. Then be fearless about taking it. Google created an early version of Google toolbar with all kinds of great features. Whatever your interests and skills. For example. you can find a path—or blaze a trail—that will lead to your personal happiness. then do the work it takes to eliminate weaknesses and build on your strengths. Using mistakes as useful information is the way many large companies are innovating. Maybe you’ll take a route that no one in your family or neighborhood has tried before.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. Many people have failed at that. the lessons learned provided the originators with priceless information which allowed them to create Like. Or it didn’t last. If you’re good with numbers. Does it mean you’re a failure for life? Of course not! It just means that you can learn from past mistakes to create a successful future. So rather than dubbing the whole project a failure. They treat everything they try as an experiment. Though it was a full blown failure.com. Or then again you might end up on the exact same path your grandfather took a century ago. But within weeks they discovered that their great inventions were totally useless.
and a worldwide store chain.S.. an Internet operation. It’s easy 50 . a publishing house. France. Twenty-six times. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. Morgan was to finance. But they know enough about themselves to know what makes them passionate and hungry. Disney was to fantasy what J. and they don’t let lack of money or support stop them. Walt Disney’s rags-to-riches story is one of America’s preeminent success stories.” -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. and Japan. Theme parks with the Disney name are located in the U. I’ve been trusted to take the game’s winning shot and missed. I’ve lost almost 300 games. Walter Elias Disney. As Walt himself recalls. I’ve failed over and over and over again in my life.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. Consider one the top 50 business influencers of the 20th century. a film studio. “It all started with a mouse. Disney founded a $20-billion media conglomerate that includes a TV network. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. And that is why I succeed. Starting with a little mouse.P. Many successes start right where you are: not knowing themselves very well and beyond broke.” Just think of that for a second.
or building financial security. Stay centered on who you are and the goals you want to achieve. such as getting in great physical shape. Remind yourself of the unique skills you bring to the process. The reason for this exercise is to begin the process matching your abilities to some of the things you want. but what if it’s never been done before? That’s the dilemma Walt faced. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. it will help you understand if you are looking for success in the wrong places by objectively 51 . Goal Achievement Exercise E Take out your Workbook. failure and distraction along the way. But more importantly. Through rejection and derision. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about. as well as any new talents you may choose to develop along the way. Under each thought you write. Now. So let me ask you again. One. list the qualities that you think you would need to achieve them. Walt Disney held firm to what he knew. landing your dream job. He stuck to his singular vision of himself and is now revered as nothing short of a genius. finding a life partner. Two. never tell yourself that you can’t do something because it’s never been done before.Knowing Yourself to imagine success when it’s already been done before. 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. never let the world tell you that you can’t do something just because it’s never been done before. This is done for two reasons.
Here was a guy who seemingly had it all – loads of money. be careful what you wish for. Knowing Yourself. screaming fans. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. What remains important is that you feel successful at every step of 52 . you must understand why you feel a million dollars will equate to happiness. because when you get it. if you want to make a million dollars. adoring women. because he knew he couldn’t be happy doing anything else. For example. it might not be what you expected. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. knowing yourself and being true to yourself makes you successful. 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. Why? Turns out he had Lifemoney Lesson # 2. Know yourself and double check your motivations for success. and comparing those qualities with what you deeply desire to develop within yourself. Understand that fortune and fame doesn’t equate to success.Lifemoney highlighting what’s required for success. 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. Make Less .Find More As you learned in Lifemoney Lesson #1. As an example. making a million dollars doesn’t necessarily mean you will be happy. down cold. In other words.
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. The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege.. the executive was impressed with Fisherman Joe’s skill and 53 . and enjoy. The businessman had no problem going out for just a few hours while his own wife visited the spa. but that he only went out to fish a few hours each day. and that to skip the rest stops. So many of us set conditions for our happiness. Although success is a worthwhile goal. The next day. the two men took the boat out on the seas. They recognize that success is a journey.” you’re in the conditional happiness trap. While waiting for the fish to bite. progress at any price should be more than most of us are willing to pay. he asked the locals if there was a fishing boat that went out daily. See how that works? If you say “I’ll be happy when…. obstacles and roadside attractions along the way is taking away from true success. not a destination. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide.Knowing Yourself the process. like “I’ll be happy when I make my first million. While there. Ask yourself this: What happens until then? Truly successful people make peace with. where they are right now. and that most of his day was spent with his wife and children. today. Fisherman Joe told the executive that it would be a pleasure. detours.
Joe agreed. Joe knew that being in L. “I sell most of ‘em. and remove himself from the enjoyable part of his business—fishing—he did it anyway. “How do you get so many in so short a time?” the businessman asked.Lifemoney ability to find the best spots to reel in a terrific catch for the day. But Joe was now worn out. Joe decided he could not take this life anymore. Soon business was booming. who had reached his goals. and did not really enjoy what he was doing. Finally. Although Joe was reluctant to leave his comfortable home and family while working in L. The prosperous businessman.A.” Joe replied. “After so many years. I know their habits. asking if he could cash out his shares and return to Hawaii. and then working a fleet. Working day and night was more than he had expected. “and take home what’s leftover for dinner. Fisherman Joe went from working full-time on his boat to getting three boats. teaching other guys how to fish?” He went on to explain that he would put all the capital up front to get the business going if Fisherman Joe would add his expertise. The two men moved the business headquarters to Los Angeles.” “What do you do with them all?” the business man asked. for the man seemed unusually humble. After five grueling years.A. After a slight hesitation. truly amazed. would aid his partner’s goal of taking their company public. He spoke to his partner. had no problem and 54 . Just a couple of hours a day supplies all my needs. they finally went public. Joe shrugged. “How would you like to go into business with me.” The shrewd executive knew a good thing when he saw it. The business life was not satisfying. as though he was unaware of the value of his skills.
” Joe replied thoughtfully. and he ended up doing exactly the same thing. but he ventured away from it for more money. Before Joe left. and then I am going to spend the rest of my time with my family. his journey brought him right back to square one. In the end. “From fishing a few hours a day to a multi millionaire. The interviewer was amazed by Joe’s journey and the story behind his success. Two very different men viewed the exact same experience in two very different ways. “Yes. He already knew what success looked like to him. But Joe found it a waste of five good years of his life.. it is. Both of them found success in completely opposite directions! 55 .Knowing Yourself wished Fisherman Joe well. so I can fish a few hours a day. This journey was quite productive. what are you going to do?” Joe replied that. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. the entire experience had been a detour from Joe’s own sense of success.” The moral of the story isn’t that we should not try hard or set high goals. “I’ll get a small fishing boat. 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.” the interviewer commented. It’s that you should know what you want out of life. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success.A. a popular magazine interviewed him. 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. that’s quite a journey.
unchallenging and even difficult. Certain occupations will be a better fit for you than others. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. No one knows better than you where you feel confident versus where you feel unsure of yourself. Is that a realistic goal for you? It was for Spud Webb. Assessment testing can also help find your natural strengths.Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. being true to yourself and finding your happiness makes you successful. and if you work in a field that doesn’t match your natural abilities. and effort to reach something that is much harder to attain. go for it. just understand the obstacles that you are going to face. Do you have that drive? If so. -Brad Turk 56 . They can measure your characteristics and ability to acquire additional skills. If you don’t know where your talents lie or still don’t know what you feel you would be good at. you may find your work unrewarding. who not only played professionally. A local community college may also offer these assessments free of charge. But he is the exception to the rule. time. These assessments are available all over the internet or by looking in the Yellow Pages. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. Sometimes it will take that much more work. Lifemoney Currency Understand that fortune and fame don’t equate to success. take an aptitude test. Aptitude tests can provide some insight into your talents and abilities. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes.
Knowing Yourself Summary
We focused this lesson on discovering who you are and who you want to become. Answering these questions lays the groundwork for success. If the groundwork isn’t solid, the whole house will crumble. Remember that anything you set your mind to, you can achieve. The only limitations you have to achieving your goals are the ones you set for yourself. Use your understanding of your strengths and weaknesses to achieve your goals and you will achieve excellence. The best part is that when you know who you are, you’ll achieve it on your own terms.
“There is no discrimination against excellence.” -Oprah Winfrey
Check all the items below that you agree with, and then tally your score, giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 2. _____ 3. _____ 4. _____ 5. _____ 6. _____ 7. _____ 8. _____ 9. _____ 10. I will discover what truly makes me happy. I have given serious thought to the roles I’ve played throughout life so far. I can remember specific goals for my life when I was young and idealistic. I have reclaimed those goals or revised them to fit my future plans. I have thought about the skills that others see in me. I have matched up my goals with my abilities. I have reflected on past achievements as a way of planning future success. I have identified specific weaknesses or flaws that need to be addressed. I am ready to take responsibility for my weaknesses and start changing. I will not let life’s distractions sidetrack me from reaching my goals.
“View mistakes as missed takes - take mistakes and learn their relevance.” -Brad Turk
Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles
“You should set goals beyond your reach so you always have something to live for.” -Ted Turner Overview
Every journey needs a beginning. Planning, road maps, and packing are what prepare us for the trip that lies ahead. Although you are probably excited to hit the gas pedal and get rolling, overlooking these planning stages could set you on the wrong course. This Lifemoney Lesson prepares your navigation system of goals, action steps, and timelines and will give you the knowledge to handle the inevitable obstacles that will come your way.
A Quick Review
Let’s quickly review. In Lifemoney Lesson # 1: Defining Success you took the first step in your quest for success by understanding what success means to you and
Lifemoney forming an idea of the type of accomplishments that will make you happy. Lifemoney Lesson # 2: Know Yourself helped you learn more about your true wants and needs, and made you aware of what personality traits you will need to get you there. Now, in Lifemoney Lesson # 3, you’re ready for the next step on the path to selffulfillment: Goal-setting. This lesson will guide you through the process of creating some goals, developing an action plan behind your goals and deciding what you need to do in order to achieve your dreams in a timely manner. Let me start with a great story that illustrates two people with goals. One person has a goal with a plan and the other person is totally unscripted.
Six-time Grammy award winning rap star Kanye West knows a little about setting goals and overcoming challenges. Kanye wanted to be a successful rapper, but was known in the industry as a producer. His label, Roc-A-Fella Records was initially reluctant to support West as a rapper, because they saw him as a producer first and foremost. Nobody thought he had much star power. Companies felt he was not as marketable as rappers that portray the ‘street image’ that is prominent in hip-hop. But even with the Roc-A-Fella record deal Kanye West was not going to wait for anyone to take notice of his rhyming talents. If Kanye had not believed in himself, stepped up and remained persistent in reaching his goal – his definition of success - he might just be another producer on the Roca-A-Fella roster. But Kanye West had a goal, and it wasn’t to be a producer. So on his own initiative he planned, paid for, and filmed his first video for “Through the Wire,” which catapulted him into superstardom. It appeared that if Kanye had not done this on his own
obstacles became simply inconveniences to be overcome. 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.Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. For two full days this artist could not come up with the resources for even a $2 token to get there.to side track their journey. when accomplished. That’s because he had more daydreams than plans. For instance: • Goal: Starting up a home-based travel agency 61 . Kanye West vs. It’s time to write some goals right now. And they don’t allow $2 tokens . Nobody. His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. make a list of your top 3 goals that. Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal.or the opinions of others . Once they decide on that goal. Every successful person I know has clear goals they’re reaching for. Mr. For this exercise. 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). It is the first step of turning the thought of doing something into the reality of achieving something. Now let me tell you about another hip-hop artist you’ll probably never hear about. Goal Achievement Exercise F Take out your Workbook. would make you a happier person.
that’s natural.Lifemoney o Objective: Get travel agent license o Objective: Build out basement to accommodate office o Objective: Save up enough money for expenses and a salary cushion • Goal: Opening your own bakery o Objective: Find 2 bakers o Objective: Find a location o Objective: Do a business plan • Goal: Starting a vintage car website o Objective: Find a website developer o Objective: Research cars that could be placed on website o Objective: Legally incorporate your company At this point it’s common for people to feel a little insecure or anxious about finally seeing their life goals and objectives written out. stronger. listen to the radio. it’s often hard to see them as real. Those people are not smarter. Relax. get started! 62 . they simply learned these lessons a little sooner and applied them a little earlier. or better than you. Dreams are real and they do come true if you follow this path. The problem with dreams is that we’ve dreamt them for so long. Now is your time. They happen every day.even thousands of people who have applied action and planning to make their dreams real. Just watch television. or read a book and you’ll see hundreds .
Clear space for new furniture 63 . 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. 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. 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. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. 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. timeframes. Understand the testing process (where given. Order a separate phone line from the telephone company iv. What bridges that gap? Action steps. Schedule exam • Build out basement to accommodate office i. Goal Achievement Exercise G Take out your Workbook. etc. Start looking into office furniture and equipment iii.) iii.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. Find out construction costs for renovation ii. Below each. Prepare for exam iv. We all know that goals just don’t happen.
Now you’ve written goals and some action steps that lead to the goals. deadlines slip sometimes and you have to readjust your schedule. Start putting away money weekly toward travel agency iv.Lifemoney • Raise and save enough money for expenses and salary cushion i. objectives and action steps. Figure out a budget of what the business will cost ii. So not only do they spend a lot of time managing their time. Sure. Figure out what amounts of money will be needed to live off of while building the business iii. but they also add urgency to their goals by making themselves accountable to deadlines. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. When you sit down to make your plan and you see that both of your children will enter college within the next ten years and your spouse is going to need significant surgery in the next year you may 64 . but without a schedule to start with you’ll never know if you’re slipping. Successful people know that there are few assets as valuable as time. Let’s say you want to own your house debt free within ten years. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable.
they are guides. This is an easy step to take. jot down a date for reaching them. You must schedule your goals. but the timeline isn’t given the circumstances. be VERY realistic about your timeline. With a large goal like opening a new business. you should set reasonable deadlines and do everything you can to meet them. and then they set times and dates when things will be completed. not written in stone. If you need a year. give yourself a year. Goal Achievement Exercise H Take out your Workbook. Unfortunately. and action steps. objectives and action steps.Overcoming Obstacles realize that this goal does not have a reasonable timeline. Schedule changes or circumstances may require adjusting a date now and then. many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. Go back to the list of goals. 65 . and that gets your heart rate back within normal ranges and allows you to actually sleep at night. they identify action steps. Timelines do not mean deadlines. Let’s actually do it now. but for the most part. rushing into it is more dangerous than not starting it at all. As a result. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. Successful people set goals and objectives. You’ll need to adjust. For instance if you want to start your own bakery. objectives. many people leave this step out and things just never get done. give yourself six months. but it’s also easy not to take. Beside each of the objectives and action steps. The goal is still reasonable.
Never underestimate the influence of actually seeing your goals written out and in front of you every day. he knew how to compensate for his flaw and it practically never affected his work or his success. Anything of importance that needed to be followed up on was immediately put in his Palm Pilot (that was/is his tracking and “things to do” vehicle). I stopped and paused. His solution was to write everything down. After he said he was going to take care of one of the items that I did not want to do.” 66 . I told him. I actually had a business partner who is one of the smartest. Write It Down Words are priceless. I learned early on a major flaw that he had that amazed me. About 30 seconds of silence went by and he asked me why I became quiet. He probably had the one of the worst memories I have ever seen.Lifemoney If you keep on falling behind and have to reset your dates. most talented and gifted people I know. 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’m waiting for you to write that last item down. Like most successful people. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. you might have to adjust your action steps or your due-dates to make them more reasonable. 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.
you may need to break down the week by hours to make sure you are managing your time properly at first. but you will make progress and. Keep it in the notebook you have been using or in a calendar program that you can keep handy. moving you closer to achieving your goal. reserve a block of time to do what needs to get done. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. Depending on how organized you are. and plan specific. annoying. You should get the boring. Every day you should be aware of all your goals and the steps needed to attain them. For goal setting you will need to prioritize tasks. Set aside some time each morning to review your list and begin working on the listed tasks. “To do” list which you will reference daily. measurable. over time. and anxiety producing things out of the way when you have more time. You may not get everything you had planned done in a given day.” -Les Brown Goal Achievement Exercise I Make a daily written. you may be able to do more things in a day.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. even if unpleasant. 67 . Here are a few tips for using your daily “To Do” list: 1. committed. set deadlines. Do the important. tasks first. realistic. and visualized steps.
your PDA or phone alarm as a reminder. Computer programs and electronic organizers can save you a lot of time over manual lists. 3. -Brad Turk 68 . For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. I have a main list at home and a daily list that I take with me. I want to start playing more basketball. It is not in the way. It’s just something I want to get around to doing more often. I know I could come up with a more efficient method. Learn how to use technology. Obviously. Carry a pocket-sized list with you at all times. We need to take luck out of the equation. and I am happy with it. For example. but it works. So if you need post its. I do this.Lifemoney 2. 4. but it is not really a priority that I want highlighted on my daily to do list. even I know it is kind of strange – but it works for me. Although I suggest technology. I don’t recommend this method. do what works for you. I will do things like leaving a basketball by my front door. With computer programs and organizers you can adjust lists quickly and neatly. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up. but it is visible and reminds me daily to get out and play. use them! Lifemoney Currency It’s true – if you fail to plan. you plan to fail.
Successful people use their Lifemoney skills to look at obstacles as opportunities. because it mostly affected the smaller customers. There were a lot of smaller companies. not price. it is extremely difficult to sell value at two times the cost for the same product. with fewer expenses.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. These companies were offering rates that were about half the price of what we sold. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. Mental and physical preparation is essential to finishing any journey. now is the time to knock them down forever. Most of their larger customers simply wouldn’t take a chance with a smaller. I found that MCI was one of the highest-priced long distance service providers on the market at that time. and you must be mentally prepared to deal with them. Adversity and obstacles will come up along the way whenever you start setting goals. 69 . taking market share away from MCI and AT&T. newer provider.” Unfortunately. But MCI was not concerned with this. My problem was that I was the one handling those smaller customers. The MCI philosophy was “we’re selling on value. not stumbling blocks in their path. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. They step up and success is their reward. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face. Whatever obstacles have been preventing you from starting your journey.
That meant that for every 100 reps starting at MCI. Be honest and write every obstacle and fear you can think of. I started looking for other products to sell even though long distance was supposed to be our main focus. The turnover rate for my position that year was 95%. With firm goals and objectives in mind from Exercise F. Lifemoney Currency “If you don’t like what’s on TV.Lifemoney I quickly scrambled to find a solution. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. list possible or proven obstacles or fears that may be keeping you from reaching your goal. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. Describe one of your main goals in a sentence or two. This was the beginning of a booming market. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. Below that. 95 left or got fired. Then come up with the solution/objective and an action plan. Luckily. 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.
they add action to their goals and steps and turn dreams into reality. • I don’t have a plane. and colors for different people. shapes. start a savings account with regular deposits. so you will need to spend some time figuring out the possible or probable barriers to your goals. Objective: Research planes and prices Action Plan: Go online and research planes. Objective: Find out about buying a used plane Action plan: Find out about bank loans. People just like you and I. 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”. find an online interest group.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. etc. Objective: Take Flying Lessons Action Plan: Research Classes. but they are action heroes. and manageable. 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. clear. etc. save money for classes. so that you will 71 . These obstacles come in all sizes. focused. etc. 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 how do they do it? They are not superhuman. • I can’t afford a plane. Each part of this process should be specific.
All of these steps we have completed so far help you get focused. making excuses. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles. Lifemoney Currency “They say if everything’s going your way. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1. the goal suddenly seems reachable. When we face challenges and overcome them.” -Brad Turk Three Huge Obstacles In my life as a successful businessman. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. you’re probably going the wrong way. stay clear. you’re probably going the wrong way. procrastination. allowing failure to be an option. and 3. Number 1: Procrastination 72 . 2. and manage your way to achieving your goals. As with this goal of flying. or even when we face them with not-so-successful results. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. we learn from our success and failures to meet the next obstacle with even greater results. your real goal at first may seem almost impossible to reach.Lifemoney end up where you want to be. They say if everything’s going your way. Let’s examine each of these and ways you can beat them every time. That’s because life is supposed to be a challenge.
or avoid taking action steps once the plan is made. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments. To me. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4). too.” “My wife’s nagging won’t let me think. and some of us are experts at it. It’s easy to put off making a plan for starting the journey to your goals.” “My husband says it won’t work. 73 .” The list goes on and on.” “I can’t find a minute to myself.” “I’m over-committed already.” “I’m too tired.” “I don’t know where to start. 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. All the time that is wasted procrastinating is not putting us closer to reaching our goals.” “The kids need me right now.” “I don’t have the help I need. procrastination is one of the worst enemies of success.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination.” “It costs too much. We say things like: “I’m too busy. By procrastinating I mean putting off or delaying an action or task to a later time or date.
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. places (the mall). go. the rest willing to let them. be they people (your lazy cousin Eddie). You’ll feel better after you do. Don’t think to reschedule it for a better time. • Avoid people or things that will take you away from what needs to be done. 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.Lifemoney Lifemoney Currency “The world is full of willing people. Instead of doing the dreaded cardio. Just do it! Example: When it’s time to go to the gym. Just get up and go. Or don’t think about not feeling that well at the moment. Maybe a part that interests you most. We all know time-suckers. You tell T 74 . Maybe after that is done and your body is in motion.” -Robert Frost h i nk about that quote. do “a part” of the task. • Do a part of the task. some willing to work. just go and focus on doing the weight training. you might be feeling up to doing the cardio. Even pick one of your favorite exercises to start. or things (Xbox/housework/chores). Don’t think about the whole thing.
Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. If he’s a real friend. For instance. Sometimes we just need a little outside perspective from a family member. Many successful people consciously visualize a result before beginning a task. Example: If you need outside motivation. which explains why a significant number will fail or relapse when the going gets tough. I’ve seen people literally write down “make a million dollars this year” on an index card.Overcoming Obstacles him you can’t but he is persistent. • Write down why you’re avoiding the task. think of how you are going to look at the beach. All successful people meet their obstacles 75 . • Focus on the results. You need to be firm and stick to your plans and continue on to go to the gym. Then work on the task and write down how you feel now that you’ve done some or all of it – enjoy that sense of accomplishment. You can hire a trainer. fold it up in their wallet. If failure is always an option then success may never be within reach for you. he’ll be waiting for you when you’re done. don’t think of the exercises that you need to do. • Find a partner. and spend every waking minute realizing their goal. Yet most of us grab onto great ideas for self-improvement without much thought. not the steps it takes to get there. colleague or friend. visualize the result you’re after. get a friend involved or find someone at the gym who keeps the same workout schedule. not the task. While this may be extreme. find a workout partner. Example: If you don’t feel motivated to go to the gym and you dread having to go.
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 . The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. but lost out on several of them because he believed he was the only actor who could pull off the lead role to his demanding specifications. How far are you willing to go for success? If you concede failure before you even begin.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. you may never know. Sylvester Stallone went through huge trials and tribulations as a writer. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed. 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. Much like the boxer in his now famous movie. Stallone refused to fail. he found a movie studio willing to buy both his script and his portrayal of the main character. at last. He persevered until. star and creator to see his project come to life.
Being a doctor has been her desire since she was a child. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights. This becomes a lifestyle challenge that you must address. At the age of forty. you may be tempted to light up with your buddies at the bowling alley. Life circumstances and 77 . if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. 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. Emotionally speaking you may be thinking it’s too late for you to change. But it is never too late to achieve your desires. For example.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.
they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do. like earning more money by asking for a promotion. The bottom line is. the thing you were suppose to do did not get done. Start with one goal at a time. working overtime to prove your usefulness. This is just not acceptable. Number 3: Making Excuses Excuses are very powerful. Excuses are probably one of the biggest obstacles that keep you from achieving your goals. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. and approaching your supervisor at just the right time to maximize your chances for success. Your action steps might include dressing the part of the higher position. Your elaborate reasons will not impress anyone. maybe even a small one.Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. Rather than making excuses. But guess what? Excuses are worthless! There is never a need to make an excuse. when you make an excuse for not doing something. be definite and defined about the action you will take and when you will take it. -Brad Turk 78 . Lifemoney Currency If failure is always an option for you then success may never be.
_____ 2. Lifemoney Currency: Good things don’t just happen by themselves. Whatever you do. Being prepared to face them is a huge factor in overcoming them when you meet them. I have a good idea of my action steps to reach each goal. Let me repeat: NEVER FORGET to anticipate that obstacles will come up. That means creating a written plan for reaching a specific goal. objectives. 79 . action steps. We need to do everything in our power to make them happen. and then tally your score. remember that when this process is complete you are ready to step on the gas and head on toward your destiny. timelines and an idea of some of the obstacles you’ll face. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I am ready to create goals. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. We need to do everything in our power to make them happen. The plan should list the goal.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves.
I am ready to stay committed to my written plan and see it through with daily reminders. Lifemoney Currency “Excuses will get you everywhere. ______5. I am ready to adopt the mindset of someone who will be successful. _____ 10.” -Brad Turk 80 .Lifemoney ___ 3. _____ 7. I am looking to see how technology can make my life easier. No excuses: I will not let myself off the hook. I have created a timeline for my action steps that appears to be reasonable. _____ 6. I have plans to fully and completely address all roadblocks to my success. _____ 4. I plan to tackle the more difficult things on my “To do” list first. I have thought about some of the obstacles I may face. Just not where you want to go. _____ 8. _____ 9.
The five tools are focus. 'Good job. well done.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned. “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. like walking upright. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. Yeah. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen. priorities and commitment. awesome. good point.' it would have made me actually look and feel ridiculous. and laying the foundation for all mankind." Overview Success requires the right tools. you’re right. discovering fire. efficiency.” 81 . Learn to use these five with skill and you’ll achieve whatever you can dream. time management. My favorite is the one where a television anchorman says to the caveman. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. inventing the wheel.
If you stop to think about it. Whatever the task requires . There was a time when people had to be told how to use a telephone. cars or computers . Though different tools may suit different people best.” -Tom Clancy 82 . 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. 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. successful people use many of the same mental tools – and use them well. Technology is just a tool.our tools surround us. you need to select and develop the tools that will help you achieve your goals. Now that you’ve made up your mind to go after your dreams.Lifemoney We’ve been innovating and making tools since we lived in caves. nearly everything in our world is a tool. We create mental tools to help us achieve greatness as well.stoves. People use tools to improve their lives. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make.
Tools for Success
Tool #1: Focus
Bruce Lee, the martial arts expert and movie star, once said, “The successful warrior is the average man, with laser-like focus.” Focus is something we don’t usually hear about but trust me: it is on the minds of every single successful person. Focus is exactly what the name implies; a narrowing of the lens until we get bullseye aim on our ultimate desire. We live in a world full of distractions. There are more TV channels than we can ever hope to watch, an entire industry devoted to creating computer/video games, four new movies to choose from each week, nearly 200,000 new books that get published each year and nearly that many new CDs. When you add in blogs to read, email to keep up with, instant messaging, cell phone calls, and all of the other daily distractions we deal with, it’s a miracle we get anything done at all! It is extremely important to stay focused on your goals. Don’t be distracted by external things. Distractions and challenges will come daily, if not hourly. These could involve the things mentioned above, people in your life, your job, your hobbies, or just about anything else that comes your way. Look past your obstacles and stay focused on where you’re going. This is how you handle obstacles effectively and keep yourself zeroed in on success. Notice I didn’t say you don’t have to deal with the obstacles – you just simply have to return your focus to your goal as soon as you deal with the obstacle. As you begin to recognize some of the common factors that have been sidetracking you and possibly bankrupting your motivation to accomplish goals, you will develop a clearer mindset on how to avoid distractions in the future so you can steadily pursue your personal vision of success.
“The successful warrior is the average man, with laser-like focus.” -Bruce Lee
Goal Achievement Exercise K
Take out your Workbook. List the typical distractions you face in a given week. From unwanted phone calls to sorting email, write down everything that takes time away from more important matters. Here are some possibilities: • • • • • Yard work House chores Chatty neighbors or co-workers Last-minute errands Television, computer, or video games
Beside each distraction, write one or two ways of seeing through the distraction, as shown in the following examples: 1. Yard work—get the kids to help more; hire someone to do it; schedule certain days for it. 2. Unplanned errands—do what you have to; postpone non-essentials. When you identify your most frequent distractions, you can stay more focused by spotting them early and seeing past them. The key to laser focus is recognizing what
Tools for Success throws you off focus and planning what you will do about it ahead of time. There is no substitute for knowing exactly what drags your focus off point.
“A major part of successful living lies in the ability to put first things first. Indeed the reason most major goals are not achieved is that we spend our time doing second things first.” -Robert J. McKain
Tool #2: Time Management
Imagine there is a bank that credits your account each morning with $86,000. It carries over no balance from day to day. Every evening the bank deletes whatever part of the balance you failed to use during the day. What would you do? Draw out ALL OF IT, of course! Each of us has a bank like this. It’s called TIME. Every morning, it credits you with 86,400 seconds. Every night it writes off as lost whatever amount of that precious, precious time you failed to invest to good purpose. It carries no balance. It allows no overdraft. Each day it opens a new account for you. Each night it burns the remains of the day. If you fail to use the day’s deposits, the loss is yours. There is no going back. There is no drawing against “tomorrow.” You must live in the present on today’s deposits.
Lifemoney Invest it so you get from it the utmost in health, happiness, and success. The clock is running. Make the most of today. Consider the following list which has circulated on email listservs many times. To realize the value of ONE YEAR, ask a student who failed a grade. To realize the value of ONE MONTH, ask a mother who gave birth to a premature baby. To realize the value of ONE WEEK, ask the editor of a weekly newspaper. To realize the value of ONE HOUR, ask the lovers waiting to meet. To realize the value of ONE MINUTE, ask a person who missed a train. To realize the value of ONE SECOND, ask a person who just avoided an accident. To realize the value of ONE MILLI SECOND, ask the person who won silver in the Olympics. Time is far more valuable than money, personal resources, and sometimes even health. Why? Because it is the one thing you can never get back. Once a moment passes, it is gone forever. You have lost the chance to make good with it. All you will have is a memory. If you are wise you put your time to good use – just like you invest money in the bank. But if you are careless then time will be wasted, leaving no significant memories and giving you no investment for future use. Time is the ultimate variable between success and failure. It is extremely rare to find a successful person who doesn’t manage his or her time effectively. Find ways to
The next time you’re tempted to spend time where it won’t count for much. after 50 years you would have spent more than a year of your life “wasting time. Take it a step further and think of how much time we waste every single day. be very clear about what you’re trying to accomplish each day. Rachel Ray. insists that she. Donald Trump suggests sleeping only 4 or 5 hours a night. 87 . months and even years. If you wasted just 30 minutes a day on surfing channels. Just pride yourself on finishing projects and never allowing them to linger unfinished. In his latest book. Second. First. busy with multiple high-profile projects including a daytime talk show and cookbook empire. ignore the invitation and do something constructive. Extra snippets of time come in the most unlikely places. Third. To manage your time better I would suggest four things. finish whatever you start. Trump: Think Like a Billionaire. weeks. like building a career. or useful for others or yourself. talking over the fence to your neighbor.Tools for Success manage time well and you become a master of extra hours. While this may be extreme for you. If you’re unclear about your objective you’ll be unclear about the time you’re spending. let alone two or three. enjoying your family.” 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. or reaching that goal you think you just don’t have time to reach. minutes. days. contributing to the community. think of the extra hours you could find just by adjusting to one less hour of sleep per night. interesting. only sleeps 4 or 5 hours a night. driving to the store. too. or browsing the classifieds or eBay for things you don’t need.
Fourth.” . King has consistently published three or four novels per year. energy. The good news is you're the pilot. the author of some of the world’s most popular novels. It’s a good lesson for all of us: you might surprise yourself 88 . So even though he is not working 10 hours a day on his books.” the author is also the mind behind movies like Stand by Me. Lifemoney Currency “The bad news is time flies. Someone who knows a little something about being efficient is Stephen King. Carrie. The Shining. Remember that your time is your time. or any other resource you have available. he is efficient with his time and committed to writing practically everyday.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. don’t give into time wasters.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. money. and Misery. Salem’s Lot. How does one author manage such a staggering number of pages? The answer is efficiency. all of them bestsellers and featuring such instantly recognizable titles as Cujo. You are the only one who can guard your time – no one else will do that for you. back in 1974. except for three: his birthday. the Fourth of July and Christmas. The Green Mile and Hearts in Atlantis. every single day of the year. While many consider him the “King of Horror. Since publishing his first novel. King has long said he writes at least four hours a day.
some activities are more efficient in getting you 89 .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. weigh each one with a view to your goals. Goal Achievement Exercise L Take out your Workbook. you may need to reconsider that decision. You also should get in the habit of counting the “efficiency cost” of each decision you make. 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. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. In other words. Ask yourself. From now on. when you get the chance to make decisions. My guess is that you will get more done in four focused hours than eight unfocused ones. Not pushing paper or daydreaming. from time spent with friends to starting a home-based business. Let’s do an efficiency exercise. 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. but efficient work.
Using time efficiently is a huge obstacle for many people who are would be success stories. 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. especially future goals. In order to focus and spend your time more efficiently. decisions: • • • • How much will this cost in terms of money.Lifemoney toward your goals than others. or even minor. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. I want you to realize a few things about time and think about ways you can use your time more efficiently.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. 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 . consider making changes like these to enjoy life now while working toward a better one for the future: 1. time. For that reason. get in the habit of asking questions like these before making major. To better manage your time and utilize your time more efficiently. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. Ride your bike to work to relax and get some exercise.
When we schedule a block of time. which can be as little as fifteen to thirty minutes. you managed your time that week can save you hours the following week by learning from your mistakes. cars break down and bosses demand overtime when you least expect it. and make any needed adjustment. Eliminate the hassle by making something you have to do anyway. they often remain unfulfilled. Unfulfilled lists lead to depression and disappointment. 91 . Setting aside one hour at the end of every week to analyze how well. we tend to perform those tasks more efficiently.Tools for Success to accomplish in the first place. minds. like getting to work or going to the store. 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. Set aside “unwind time” after work or school. 5. When viewed wisely. 6. spouses need our help. Don’t overfill your “To Do” list. with planning and forethought. we can’t perform task after task without stretching our bodies. television can be a valuable tool. Watch less TV and do something more productive. between important tasks. or poorly. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. When our “To Do” lists are too full. or both. exercise. Monitor how you’re spending your time. 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. most don’t. Things do not always go like clockwork. 4. Get a Spam filter for your e-mail. 2. kids get sick. neither of which fosters success. Many programs offer everything from stock tips to weight loss programs to informational documentaries. We are not computers.
” Never waste an opportunity to learn. Without those paychecks. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. Bring a book to all your “doctors visits. If you’re stuck in traffic. You get up. lobby lines. I usually use car time to catch up on calls that I need to make. open the window and enjoy the air. we gain not just precious moments but momentum. in restaurants. don’t worry about the rest. or a car to drive. 8. you would not have a roof over your head. When we learn to use our time – all of our time – wisely. Take a break to relax and listen to music. get dressed.Lifemoney 7. complaining is not action. etc. 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. 92 . “Worry is not thought. there would be so much less to worry about. wishing you could be outside. food to eat. Only focus on things you can control. and get going to a job so you can take home a paycheck every few weeks. 9. Appreciate unexpected delays. Think of the day you were sick in bed. Mason Cooley once said. Entrepreneurs. creative people. Tool #4: Priorities What are the priorities in your life? For many. 10. Always carry something to capture your ideas. waiting for appointments. the day begins with the priority of going to work and chasing a paycheck.” 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. especially when it’s spent in waiting rooms. even when it’s spent waiting for things. Use waiting periods wisely.
Then commit to giving your best to your life and to your goals daily.Tools for Success Another priority for many people is their relationship with family members and friends. Don’t do busy work. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. focus on writing and not the collateral activities that might make writing that letter easier. If your goal is to write a letter to someone. The third suggestion for prioritizing. 93 . The need for a clean desk before you can begin is less a necessity and more of an obstacle. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. You come home to people that mean a lot to you. Don’t multi-task and try to accomplish too many things at once. 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. In other words.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. Second. Focus on one step at a time. Do whatever you’re doing all the way. and take time to spend with the ones you love. Choose a priority and be a finisher. complete all the important things at the beginning of each day. You can easily become distracted doing this and usually nothing gets done right. don’t spend three hours cleaning your desk so you can get started. something or someone important is going to get short changed. 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.
One example from my life is that I pay to have my laundry done. give up the little things that scatter your time and energy. it was worth it to me. I never answer my phone unless it is a call I’m expecting. You have exactly the same number of hours per day that were given to Helen Keller. Pasteur. Your time belongs to you. create a sense of urgency for important activities that are going to be meaningful in your life. Thomas Jefferson. But why spend hours handling that task when my time can be put to better use? Last. Take on only what you want to do and say no to the rest. I would often share sales opportunities and business deals so that I would have less work to do. Jackson Brown 94 . don’t be afraid to say “no. Fifth. and Albert Einstein. Leonardo da Vinci. Sure. my partners and I had a synergy allowing us to accomplish more in less time.” -H. Even though I had to share the profits. That will only take me away from my priorities.Lifemoney Fourth. I could do it myself. Mother Teresa. and freed up some of my time to work on other priorities. Pay less attention to things that come up but have no relevance to your goal. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. Lifemoney Currency “Don’t say you don’t have enough time. Sometimes you might want to consider sharing profits or payoffs in order to get needed help.” Delegate worthwhile projects that can be handled by someone else. Together. Get a caller ID or another screening device for your phone to avoid sales calls or conversations with people who do not respect your personal time. Michelangelo.
You wouldn’t go a whole day without eating. besides his normal two week break. or sleeping. His response was that working out was one of his daily events. consistently. Then the real embarrassment came: after going over his working arrangement. I have a friend who has been bodybuilding (or body sculpting. you need to make your goals – things to do – daily activities. we feel obligated to keep that date. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. In the same way. would you? 95 . it was like brushing his teeth.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. 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 had not missed a single week of working out. However. I was amazed at his dedication and commitment. we call it a mortgage. 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. For example. 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. he told me that he hit the gym five times a week. a key part of your lifestyle. eating. When I was talking to him about his workout plan. they make a commitment to the bank. as he calls it) for over ten years. when someone buys a house. When we make an appointment to see the doctor. In the last ten years.
488.200 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. He went from hanging out and drinking at clubs (I know. 1. 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. Follow through.9% effort will not get you where you want to go. Daddy's House Social Programs and the public schools of New York City. I saw him) to a few months later running 26.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268. You have no choice really. because a 99. Go big or go home.200 books will be shipped in the next 12 months with the wrong cover 5. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine.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 . He set a goal and did not stop until he reached it.2 miles.000 checks will be deducted from wrong bank accounts in the next 60 minutes. Here’s a breakdown of how things might look if only 99.9% effort were given. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation.517.260 income tax returns will be processed incorrectly this year 2. 22. give 100%.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.
Tools for Success • 3.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20. Jamie was already a 97 . Oliver Stone. Do You Have the Pit Bull Mentality? I think another illustration of how successful people stay committed to what they want is when the actor/comedian Jamie Foxx auditioned for the role of Willie Beamen in the classic movie about pro football.690 will be spent today. saying Oliver Stone didn’t know what he was talking about.500 mismatched pairs of shoes will be shipped this year $761.900 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. often unsafe. Jamie could have easily walked away.” He did not believe Jamie could pull off the part. He even went so far as to tell Jamie that he “would not waste one inch of film on him. The director. wanted nothing to do with Jamie. tomorrow. Any Given Sunday. next Thursday and every day in the future on defective.000 incorrect drug prescriptions will be written in the next 12 months 114.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9.
So that’s how successful people handle getting something that they want. never give up. remember to get and stay focused on success. The Jamie Foxx Show. Roc. First. never. He had also starred in several movies by this point. at that point in his career he did not need the role. But that’s not how Jamie viewed and approached it.Lifemoney successful comedian/actor. -Winston Churchill Gathering the Tools for Success Summary The Five Tools of Success we learned about in this Lifemoney Lesson are all about developing your mental tools to get the job done of reaching your goals. He had his own TV show. they are confident in their abilities and they stay committed until the task is accomplished. and he had already done many TV shows like In Living Color. Lifemoney Currency Never. Cooper. Moesha and Hanging with Mr. 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. They are humble enough not to think they are too good to put in the extra effort. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . Second. he said that he couldn’t make the movie without Jamie. I think it is fair to say that although it turned out to be a great part for him. I heard that after Oliver saw the audition tape.
make a commitment to embrace your goals and make them part of your life. and resources. or hour passes it is gone. minute. Last. Lifemoney Currency ”Success doesn’t come to you. Third. work hard to eliminate the “white noise” of your daily activities and learn to pay attention to the things that are truly meaningful – your priorities. make efficient use of your time. you go to it. talents.” -My Mother 99 . Fourth.Tools for Success second.
change or impact – You can’t worry about” -Brad Turk 100 . I have begun sorting high priorities from non-essentials. _____ 4. I am determined to include my goals in daily lifestyle activities. _____ 9. _____ 6. I am learning to make choices that will lead me toward my dreams. I have made a list of the major distractions in my life. I have identified my focus and am ready to pursue it wholeheartedly. _____ 10. I am taking steps to avoid or redirect or see beyond these distractions. I have evaluated my schedule and am eliminating the time-wasters. _____ 7. _____ 3. _____ 8. _____ 5. I am willing to delegate some tasks to others. _____ 2. I am “do or die” committed to doing what it takes to reach my goals. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. and then tally your score. I am taking specific steps to make better use of my time. Lifemoney Currency ”What you can’t fix.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with.
compassionate and ultimately successful man named Christopher Gardner.Evaluating Progress Lifemoney Lesson # 5: Evaluating Your Progress “Baby steps count. but just starting down the road to success is one small step for you. and one day you look back and you’ll be surprised at where you might get to. Progress Report When Will Smith played the lead character in The Pursuit of Happyness. only to find out later that the IRS has seized the bulk of the account. he took on the role of a complicated. your plans for reaching your goals are in play. You may not feel like you’re making much progress yet. Gardner believes he has over $600 in the bank. At one pivotal point in the movie. as long as you are going forward. to 101 . You add them all up.” -Christopher Gardner Overview Finally. one giant leap for your life. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress.
Instead. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them.500 shirts to local retailers. But don’t worry: patience and paying attention brings progress toward your goal. it will most likely take months. The resulting loss sent Chris and his young son onto the street.000 for everything you need to get started. It will cost about $5. For example. 102 . shipping and delivery of the first 2. to do everything that you want or need for your dreams to become reality. You’ve decided that you’re going to launch your t-shirt line six months from now. While the event seems tragic. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. if not years. 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. it’s easy to wander and not finish the essential steps that lead to your goal. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred.Lifemoney the tune of $600. including printing. you need your plan clearly laid out and a means to track how you’re doing. and literally withdrawn it from the account. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. When things take time. 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. Busy work doesn’t get it. filled out paperwork for an extension. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future.
or about $160 monthly. The simple reality is you need one single visual reminder of what you want. What happened? Most likely – you made a bad assumption. I prefer a big calendar. and you recall spending $300 to get a new bicycle.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. Keep it simple. you simply failed to keep track of your progress. Were you on track? Yes. electronic calendar or some other external system. Was it out of reach? No. but a big 103 . It’s been a year since you made the decision to launch. In this example. a daytimer. but by all means use something. shipping and delivery – into place. What happened? Well. Was the goal bad? No. where you’re going and how you’re doing. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came 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. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. Don’t forget the map! The solution to this common problem is either a chart of your own making. 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. This means that you will need to save $960 in the next six months. This messes you up because initially you only needed to deposit $110 in the account each month. We often just assume things are going to work out once we have our plan in place.040 in your money market fund.
I write these action steps in clear and direct language using 104 . I’m addicted to simplicity. They are items that need to be accomplished to get me further toward my goal. I make sure I regularly review my objectives. so I’ve broken down my own personal system into five easy to monitor factors. Written goals are powerful. 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). 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. As always. 3. Let’s find out what they are. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. 2. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. Your reminder system should have several key components. Also. 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. As you can probably tell. make this sheet physically easy to see as you go through your day. It’s important to monitor each goal separately so use a separate sheet/planner for each goal.Lifemoney piece of paper would do. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. Here are my basic elements: 1. List a Goal: This is where I simply write out my goal – one goal per sheet.
the more accurately I can tell if I’ve reached what I originally envisioned. and is a great marker of progress toward my goal. I have found that the more specifically this is worded. I reach my objectives. Now it’s your turn. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. How you arrange your grid is up to you. 105 . You can find lists of action verbs by doing a quick Google search for lists of action verbs. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. If I reach my objectives. Goal Achievement Exercise M Take out your Workbook. as well as your response to them. 5. Create a grid that lists basic steps for reaching your goals. Charting your journey in writing helps to make the whole process seem more real. I will reach my goal. I am going to use an example of setting a goal of becoming a better golfer in a year. Take it out for review often to make sure you are headed in the right direction. Completion: I always mark the date when I’ve achieved each objective. and keeps you in touch with the realities needed to make your goals happen. but below is a model that provides an idea of how yours might look. 4. We’ll start with January. a popular time of year for making new resolutions or resetting ongoing goals. Closure on my objective always makes me feel good.Evaluating Progress action oriented words. creating objectives and action steps. If I do all my action steps.
Year-round practice will improve my skills. Action Step I will take 2 hours during the first week of this month to write out my plan. Call for subscription to Golf Digest. pros. keeping a grid like this one will show at a glance what you are doing. Enjoy the thrill of getting better. I will make the time to sign up for lessons and commit an hour a week to practice. Some weeks. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. and equipment of golf. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. Even if you don’t fill every moment with related tasks. I will surf Internet for local golf pros. When you go back and check your grid periodically. by the way. to work toward your goal. 106 . Read one golf magazine article per week to learn more. 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.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. and how often. will be spent revisiting an earlier action step. For instance. you can quickly and objectively measure your devotion and success in chasing your dream. Learn terms. Outcome I will enjoy my golf game more and feel a sense of accomplishment. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. Check yellow pages for indoor putting green. I will get expert help and assessment.
If you get the same input from different sources. Find something that works. Evaluate the input. This is good. I liked it all. 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. Ask good questions Most people want to know what they did right. and you found little change in the numbers after a few months. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. “You did nothing wrong. Fortunately and unfortunately. or instead of. the diet routine.” To get better information ask. To find out if you’re off track I suggest you find out what you did wrong. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. 107 .” This makes them think. chances are it is correct. For example. If. you are now going to get a few things that they were not that excited about. for example.Evaluating Progress If you decide to change your goal for whatever reason. remember to adjust the steps to getting there. even if that means rotating new activities through the process until you find one that works best for you. “Please tell me the three things you liked least about what I did. Make it easier for them to evaluate you by asking the right questions. it also forces them to be specific. you could switch to a physical activity approach in conjunction with. Ask for outside input from people you trust to be honest.
It also lets us know how others see us. 108 . Analyze the critiques and use them as you see fit. 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. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2. however. Criticism is good – it lets us see a different side of ourselves. people will stop telling you what they really think and say only what you want to hear. When someone tells you point-blank that you’re going about something all wrong. Before you open yourself up to criticism. just listen carefully and ask how you can do it better. I’ve been wrong on many occasions. Keep in mind that not all opinions you get will be accurate. You don’t have to take every piece of advice that’s offered. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. You’re allowed to discard opinions if you have a strong impulse that they are wrong. don’t reject impressions just because they are negative.Lifemoney Welcome criticism Some of the comments you receive might include criticism. which is totally worthless. In 3rd grade he was sent to a school for mentally challenged children. He was told that his best hopes for a career would be as a carpet layer.4 billion was thrown out of 2nd grade. If you argue or make excuses. Don’t be afraid to be off track—or even outright wrong.
W. your banker. including the light bulb. where you want to be. taking a personal finance class. His bosses thought he lacked the common sense. His last headmaster said he'd never make it. or we wouldn't have his incredible. or attending a money management workshop are additional ways of becoming more knowledgeable. 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 how to get there in the most efficient way. • • Walt Disney was once fired for a lack of "good ideas. Before being home-schooled he was kicked out of three schools. Yet. if your goal is to retire at age 45 meet with a financial planner. Woolworth.Evaluating Progress • Thomas Edison was told he was not teachable. and creative theory of relativity that has shaped modern physics. With his creative mind he patented over ten thousand inventions. • Albert Einstein struggled in high school math. the phonograph. You might even want to get several opinions and weigh several options before making a final decision. For example. and film. founder of Woolworth’s and modern department stores. Registering for a financial planning seminar. These also help to make sure you have a realistic goal set and that your 109 . that he was a screw-up. he never gave up. Good thing he didn't. far-reaching.” There was once a twenty-one year old who wasn’t allowed to talk to the customers. His name was F. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. or an investment agent to discuss planning strategies that can make this possible. Get enough information to provide a clear picture of where you are currently.
Notes to yourself. keep track of your progress. daily steps that carry us the furthest distance. Your best skill is your ability to write things down and track yourself. you may get off 110 . a death in the family. Some people even use something as simple as notes. a great new job offer that comes unexpectedly. as long as you continue to make steady progress.K…. or meeting someone and falling in love. your plan.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. and your progress to see if adjustments are needed for a better chance at a successful outcome. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. If not. Either is fine. As you try to achieve your goals. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. this is the time to reevaluate your goal. the loss of a job. 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. Watch your goal progress closely Check your daily activities.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. you still have time to adjust your plan to maximize your chances for success. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. Above all remember. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. O.
” “You’re stubborn and won’t do as you’re asked. There are some very good action steps you can take to get yourself going again. take this information and use it to your advantage. and then outline action steps you can take to address these. Then move on to do the same with larger tasks. Don’t beat yourself up for being normal. the faster you can get on your way. You stop exercising or you start watching a new television series that leads to another new show to another and to another. 111 . Here are some examples to get you started. The faster you uncover the weakness within you and address it.” “You’re attitude is bad.” “You’re always late.Evaluating Progress track too. properly aligned and refocused. Goal Achievement Exercise N Take out your Workbook. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time. “You always complain and never offer solutions.” Rather than being upset or offended. List the five most common criticisms you hear about yourself.” “You work slowly. And don’t forget that sometimes you get off track due to internal factors rather than external ones. • • • • • • • “You have trouble following through to get things done. We’re going to address some of the internal areas that may get you off track to achieving your goals.” “I have to constantly watch you because you waste so much time.
break the goals up into smaller. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. you will lose track and wander in pursuit of your goals. I strongly suggest that if you break your tasks down into smaller. more doable chunks that you make note of it in your planner. gut-level honesty. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. come up with a clever solution to some problem the boss is having. Write down the smaller. Be honest in soliciting opinions from others and acknowledging your weak areas.Lifemoney • • • • Make it a point of pride to be at work 15 minutes early Go overboard to do exactly as you’re asked without backtalk Work on being an encourager to others Step up your pace at work. Being honest with yourself is a powerful tool. there are many things you can do to address problem areas and turn them around to make negatives into positives. 2. If you don’t make notes of how you’ve broken down your duties. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. Fortunately. Keep these keys in mind: 1. Especially honesty with yourself about your own weak spots. daily pieces that when completed will gradually accumulate and lead to success. more specific steps you 112 . Better yet. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. • • Finish the task at hand and ask for something to do next. Then be proactive in making changes to benefit yourself and others.
) g. j. weekly. (I speak much more about this in Lifemoney Lesson #6. Have a weekly date with your spouse or child to improve family relations. Review your written goals more regularly (hourly. 3. Read a self-help book related to your goal. Make one sales call daily at least five days per week. Here are examples of small activities that can be conducted daily. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. etc. daily. Resourcefulness). 113 . Check out at least one set of blueprints for your dream home each month. d. 4. you will be amazed to see how much you’ve actually accomplished. c. Work on replacing a bad habit with a good one each month. Contact at least one new potential employer each week. Save at least $10 per day for an average of $300 per month or $3600 per year. Whatever you do. b. e. Learn something new related to your goal every month. h.Evaluating Progress intend to take. Stop and reflect on your life more often: When you stop and reflect on your life every month or two. f. Meet with your mentor every other week for feedback. i. take personal responsibility for the difficulties encountered in your quest. as well as find inspiration to help you continue to achieve your goals. Seek out successful people for advice: Free advice is all around you. and be willing to make the necessary changes that will help to ensure success. Seek it out and you’ll find more encouragement than you’ll be able to handle.
breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you.to determine what you are able to complete on time.Lifemoney Lifemoney Currency “The price of greatness is responsibility. If anything has changed since you began the quest. factor it into the equation. plan to re-assess your progress. After taking action steps toward your objectives and ultimately the goal.” 114 -Brad Turk . You may have to revise your daily or weekly goals from time to time. and then give it all you’ve got! Lifemoney Currency “Dreams are real. Every success story is written with dozens of action plans that were brought to fruition through focus and commitment. To tell the complete story. Do this assessment frequently. realistically – and often. but that’s fine as long as you don’t abandon the journey.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. Make a visual reminder – like the grid I use . living. If you feel that you are unable to follow the timeline or stay with the quest. evaluate your progress thoroughly. take a short break to renew your mind. as well as anything that remains unfinished. Come back to your journey when your batteries are recharged.
_____ 2. _____ 9. I will reevaluate my goal. _____ 3.” -Brad Turk 115 . _____ 6.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. and then tally your score. I will invite and accept criticism that is given with a view to helping me. I will create a grid for recording action steps that lead to my objectives. I am going to regularly check my progress toward reaching my goals. _____ 10. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Lifemoney Currency “Be consistently consistent. I will solicit feedback from experts. I have the names of several people I trust to give me good personal feedback. along with my progress at regular intervals. I will check the grid periodically and make any needed changes. I will make efforts to change or eliminate bad habits. _____ 4. _____ 8. In gathering feedback I will ask good questions. _____ 5. I will be quick to admit my weaknesses _____ 7.
Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe. who was brought up in the Marcy projects in Brooklyn.” Overview Everyone struggles to meet their goals. 116 . and we can endure much more than we think we can. you need to look for other routes or means of help. It’s how you handle the resistance that leads you to success. Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. When things don’t go as planned. had to create his own destiny. whose net worth is estimated to be $320 million. We are stronger and more resourceful than we know. knows firsthand what it means to be resourceful. Sean. everyone encounters resistance along the way.
Jay-Z became one of the most respected rappers in the music industry. Other ventures of his are Armadale vodka. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. which launched not only his career. but the careers of many other superstars.a very successful clothing line. under it. Being a talent was not good enough to attain his success. Sean was unable to get a record deal. you might be filled with 117 . with 18 Grammy nominations and 5 Grammy wins. he also expanded the Roc-A-Fella empire. No one seemed to be interested in his music or recognizing his understanding of the music business. part ownership of the NBA New Jersey Nets and the S. which includes Roc-A-Fella Films and Rocawear . right smack through it? As you begin your journey to reaching your goals.” And that’s what he did! He co-founded Roc-A-Fella Records. he needed to be a businessman as well. which eventually shaped his destiny. “I was forced to be an artist and a CEO from the beginning. How resourceful are you? Could you overcome adversity by thinking not just “outside the box. in some cases. including Kanye West.” but over it. When faced with resistance he responded by finding solutions to his problems. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. He has a willingness to find any way to achieve his goals. the 40/40 Club in New York City. around it or. 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. In addition to becoming the President of Def Jam Recordings.Resourcefulness When he first started out. Carter line of Reebok sneakers.
You may be thinking. or mediocrity and brilliance. run some cold water over your hands. With a little bit of effort and some common sense. This lesson points out some useful resources and answers for the troubles you will encounter on your journey." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. no matter who you are or where you’re headed you need to focus on using these resources to get through the challenges you are going to face. Lifemoney Currency "I've found from past experiences that the tighter your plan. the more likely you are to run into something unpredictable. turn on the light. Either way. do surgery with a pocket knife and 118 . then slap yourself in the face. The resources you’ll need to tap into can come from inside yourself or from around you. They might come from your creative imagination or perhaps from the lives of other people.Lifemoney confidence. you can find resources that will make all the difference in your search. Successful people never hesitate to look for resources that can mean the difference between success and failure. and I know exactly what I have to do to reach my goals. What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. You’re going to need to be resourceful no matter how much you have going for you. “I’ve never felt better! I have a sense of purpose.
The trick is to keep your mind focused on what you want. Though you may not end up being MacGyver. Take the time to take stock of the situation and think on your own. big thinker. resourceful problem solvers are some of the most open-minded thinkers I know. These are four ways of thinking that have made me a better businessman and human being. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. you must be the same way.Resourcefulness make a computer out of duct tape. only to be told something you already knew? Often. and then brainstorm big. Be an open-minded. Relax and think: don’t let the complexity of a problem paralyze you. Did you ever consult someone about a problem you were having. Take stock of the situation to see what you can do. I want to make four suggestions for being more resourceful. and when it comes to succeeding in your life. if we take the time to fully analyze a problem there’s a very good chance we can figure out a solution on our own just using what we know. 119 . You can always do something. and realize that often the reason you’re stuck is because you’re not thinking big enough. Take time to jot down problems for which you’re seeking solutions. even if you’re unsure of the outcome. He was the picture of resourcefulness. 2. but the natural resourcefulness of your mind will reward you with many great and doable ideas. He was never played out. wild and fun solutions. expensive. Clever. You’ll have to learn to let your mind go in this fashion. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. he could always find a fix to any obstacle he faced using just what he had around him.
however works best for you – and then review them every once in a while to see if there is one you can implement. This was a problem. and in a moment of wide-open. As you can see on the cover of this book. And when you come up with all those big thinking ideas – capture them. 3. I have a baby face.Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. When attending a high-power meeting I’d take along a good friend. who was middleaged and looked more of the part I needed to play. Don’t look at life with the jaded self-knowledge of an adult. 120 . out-of-the-box resource idea and it worked. ask over and over again. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. As an entrepreneur or creative thinker or just someone who develops their Lifemoney skills you’ll find that you have so many new ideas that you don’t have time to act on them. Become four years old again. I was trying to launch my business and wanted professionals and industry experts to take me seriously. Don’t be afraid to ask questions from people who know. At twenty-five. George and I appeared to meet expectations for maturity and sophistication. As a team. It was a big thinking. I looked nineteen. 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. over a microphone to your computer. Make sure you capture those ideas somehow – in paper. Be a pest. but walk with eyes – and ears – wide open. I was able to pitch my products and services to an open ear. I look a lot younger than my real age. Once the perception piece of the introductions was achieved. George. big thinking I created a great solution. That’s how you learn.
Book is your favorite word. It was taken from the web site http://members.Resourcefulness You don’t know everything. I see mess. new skills. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. And in my experience. you can’t know everything. you see colors. My dear granddaughter Hannah. You see steps. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. With wild abandon you tackle new words. You love to learn. Here’s a thoughtful letter written to a child from her grandfather. I struggle to learn. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. I find embarrassment. hoping to master the computer in one easy lesson or not at all. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. You want to paint. You find laughter in mistakes. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. You want to know everything.ca/athomas125/hanna. I've forgotten how to laugh at blunders… 121 . Questions are your favorite tools.shaw. I see danger. 4. You are only two. I see problems. Look for solutions in the most unlikely spots.htm. 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.
you might be given all sorts of misleading ideas. And learn to ask better questions and be a better listener. I love you for who you are! Grandpa Dan Dear Lord.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. I stick with the familiar favorites. But that comes with the territory. Look around for success “MacGyvers” hiding in plain sight all around you. Ask questions that seek out detail rather than just yes and no. These could be friends. After talking to one resource person or another. When you’re listening to an answer. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. and though you dislike it. or information you can’t really use. You walk right up to a stranger and smile. and relatives who may have an idea or solution to your problem. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. 122 . At lunch you boldly bite into broccoli. asking questions about their perspectives and ideas. Keep Looking . 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. Sometimes you may not know where to begin the quest. Just keep going until you find the information you really want. if it's not too late. neighbors. help me to grow up and become just like Hannah.Lifemoney You are courageous. Talk to people from teens to retirees. tomorrow you will tackle cauliflower with the same exuberance.
and read a recent biography of someone you admire or a book on a topic related to your goal. All you need to do is pick a search engine (I use Google. you should be able to find worthwhile reading. ask a store associate to order materials for you. Here are four incredible resources. You can even use full sentences to pinpoint the closest data to your topic search. That’s the beauty of the modern world. Even as there are more and more of us. Look at the jackets and back covers for ideas about whether a book will be helpful. buy a cup of coffee. find a seat at the café. Number 2: Buy a book or magazine You can find dozens of books and magazines in your goal area or where you want to learn new things. You don’t even have to buy the books. you can just read while you’re there. In a larger bookstore chain. often at the press of a button. If not. If you don’t find an exact match. 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. There’s no better or quicker way to 123 . spend your time searching for buried answers. technology is bringing us closer together. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. try different variations of the same words until you find what you are looking for. spread far and wide. But you can go anywhere you want and talk to whoever you like. Instead of sitting in front of the television or playing video games. Don’t be afraid to use all of the resources available to you to gather more resources. Whatever your needs or interests.Resourcefulness You probably won’t find everything you need in your back yard.
borrow books for free at the library. 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. If your library doesn’t carry a book you want see if they can get it for you from another library. You can also get audio books. Most libraries offer this type of service for free. You don’t have to buy the product. Minneapolis. 124 .Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. movie producers and music moguls at your disposal. Number 4: Take a seminar There are a lot of seminars given and places to go that you can learn directly from experts in your desired field. and videos. In New York. but you may learn a few things from the expert while you participate in the webinar.com) where they constantly have well known speakers. Toronto. San Francisco. San Diego. magazines. Many companies offer free webinars with noted experts in a particular field as a way to sell their products. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. Check your local area for something similar. and Los Angeles you have the Learning Annex (learningannex. language CD’s or DVD’s (if your goal involves traveling abroad).
For example if you’ve challenged yourself to get a great job in New York City. One life changing piece of advice can make you thousands if not millions. Read books and look for television programs.” -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. you will be able to learn from the experts in that field. Be 125 . 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. They will teach you how to become financially secure and independent. It is idling in you right now. waiting for the chance to drive you toward solving your challenges and meeting your goals. find out all you can about life in New York and the companies or groups associated with this new job in New York. 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.
Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. • Join a special interest group. Consider joining 126 . • Online Special Interest Groups. like minded people that share your intensity in life. Rather than ditch your old friends. work on building friendships with new. If you’re planning to write a novel. Often we outgrow our friends. suggest that it be taught in the future. To run for civic office in a few years. Those friendships can form quickly and be lasting. Most colleges – especially community colleges offer informal. You can meet experts in your field of interest and learn things about your pursuit you never knew existed. No matter what your interest. If they don’t have one you want. then ask lots of questions.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. and provide you all kinds of problem solving resources. the internet provides an opportunity to meet many like minded people. Listen first. volunteer at a local official’s office and see how it works. find a writer’s group or a reader’s club. Over time our interests drift and friendships change because your interests no longer match. Learning new things is virtually guaranteed. • Take a non-credit class. Check with a local community college or university branch campus for information about these classes. specialized courses that often cost under $100 and run over a day or several weekly classes.
List three places where you can go to find some information that will further your ability to be resourceful. such as: 1. Wednesday and Friday.” -Bill Gates Goal Achievement Exercise O Take out your Workbook. or subscribing to a mailing list of like minded folks. 2. Consult a community resource center 2. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s. assign timelines in which you will visit these places. Community resource center – attend evening sessions from 8 to 9 Monday. Online chat room--. Visit a local learning annex Once you have these three written down.Resourcefulness an online community. reading blogs about topics that interest you. Join an online chat room 3. such as: 1.this week I will seek out one interest group related to my goal 127 .
Sean “Puffy” Combs worked in thankless jobs like the rest of us. look for experts in your field. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad. and found resources anywhere – and everywhere – he could.. Combs applied to Howard University in Washington. This is someone who will work with you to set goals and help you make plans for reaching them. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. “Already a shrewd businessman through his two paper routes. But Combs was an avid listener. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. and while attending. If you’re planning to write a best selling novel.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. learning the industry from the ground up. those who have already accomplished what you want to do. Before he became known as Diddy.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. According to Answers. Uptown Records. Lifemoney Currency “If you are going to be thinking anyway.Lifemoney 3. Like Diddy.C. D. learner and observer. you might as well think big.” There he swept floors and kept his ear to the ground. contact authors whose writing style you like and ask them for tips on 128 .
get some books about famous people who have already made it in the area where you want to go. 129 . and find out what keeps them going strong as well as the things that hold them back. Learn it first then conquer it. find out what not to do. too. If speaking directly with an expert isn’t likely. take a job as an intern like Diddy. and look for readers that can tell you what they look for in this type of book. Make sure that you research these people and their companies. don’t be surprised if some don’t return your calls. before you speak to them. and who won’t turn their backs when you need help. Always be prepared and don’t waste anyone’s time. Ask questions like. Don’t rely on your own expertise. Books. You also may want to consult the local Small Business Administration or a retired executive. Or look up a local leader that you might be able to interview or job shadow. if applicable. You could contact publishers. When learning from the experts. but people are the ultimate resource. Try other people or be persistent with the ones you really think are important for you to meet or talk with. If you’re a student. Don’t fight the system if you don’t have to. and other information that might hold clues to the reasons for a person’s success. Look up biographies. And. Avoid their mistakes. Go straight to those who know the ropes and can share a bit of wisdom.Resourcefulness getting published. too. There are actually some fields like the music industry where the only path to a real job is to intern. “What is one thing you would do differently?” Study those who are where you want to be. videos. interviews. Look for people who can provide guidance. libraries and the Internet are valuable.
it is because I was standing on the shoulders of giants. intrigue these people to help you in whatever way possible. 130 . While making your list. there is probably someone in your network of connections that has faced the same problem at some point and would be happy to serve as a resource to you. Using the people skills that you will learn in Lifemoney Lesson #8.” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. No matter what sorts of challenges you face right now.Lifemoney Lifemoney Currency “If I have seen farther than others. You’d be amazed how many talented people you already know that could help you along your journey. List three people that you will contact for assistance. Never forget to take advantage of your network of connections. think of key resource people you already know from your past and your present.
Some days. in this case. every one of those people was a resource in creating his latest masterpiece. It’s important to utilize every opportunity. to get the information. But there is. but stick around for the credits after his next movie. Don’t limit your dreams by limiting your scope. reach out as often. and as far as necessary. small and large. that can put you closer to reaching your ultimate goals. the most resourceful individual will taste defeat.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. might be the director. Stephen Spielberg.Resourcefulness Lifemoney Currency “Remember you will not always win. always tomorrow after you have done your best to achieve success today. 131 . Very few people succeed entirely on their own. Try to count how many names are listed at the end of the film. services and know-how you need to create Lifemoney.
and then tally your score. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. find the people you need to know and introduce yourself. _____ 2. _____ 3. Learning is the beginning of spirituality. I will take a class or seminar related to one or more of my goals. _____ 7. I will read new material that relates to the pursuit of my goals. _____ 6. Learning is the beginning of health. and observations. _____ 9. ideas. I will keep my eyes open for a mentor. _____ 5. Lifemoney Currency “Some people say it’s not what you know. I believe learning is the beginning of wealth. I plan to visit a library. _____ 10. giving yourself 10 points for each checkmark and 0 points for any left blank. I say. Searching and learning is where the miracle process all begins.Lifemoney Lifemoney Currency “Learning is the beginning of wealth. I plan to read an autobiography of a famous leader who inspires me.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with.” 132 . I will network with people I know to find expertise beyond my circle. but who you know. _____ 8. _____ 4. _____ 1. I will enthusiastically seek information like a kid. school or online special interest group.Brad Turk .
Trump had no 133 . asking big and avoiding the herd mentality.Creativity Lifemoney Lesson # 7: Creativity “Rules? Hell there are no rules! We’re trying to create something here!” -Thomas Edison Overview I have built this book around the idea that your personal qualities are like money to you. Now I want to talk to you about the one Lifemoney skill that might be the most important to anyone wishing success in life: creativity. directly across the street from Grand Central Station. your Lifemoney. These include visualization. looking at things from a different perspective. objectifying your goal. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. They are your real wealth. He bought the property in 1977 when that part of New York City was in terrible shape. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel.
Lifemoney other major properties at the time and was told that this was not only “out of his league” but would prove to be “a terrible investment.” Even though he was only 26, Trump’s imagination was endless and he saw something nobody else saw in that property. He was sure the city would eventually revitalize the area and that building would be a goldmine. But Trump did not have the wherewithal to do this deal on his own. For most people, the dream would have died there: no money, no deal. Not for Trump. Donald could clearly imagine a major hotelier working with him on the property, and convinced Hyatt to manage the property. It became the Grand Hyatt, with Trump and Hyatt owning the hotel on a 50/50 basis. But that wasn’t even the best part of the deal. In addition, Trump got Hyatt to agree that it would never manage another hotel in New York City. Trump was so immersed in his creative ideas for real estate that he would ask for outrageous things without thinking anything of it. These weren’t outrageous requests to him, just obvious ones. This boldness was born of creativity. It was a mindset that drove him to propose many more innovative projects. It is this type of can-do, creative thinking that, if adopted, will give you an edge in reaching your goals faster. As Trump shows us, imagination, creativity, brainstorming and audacity are some of the mental currencies of success.
“Man’s mind stretched to a new idea never goes back to its original dimensions.”
Goal Achievement Exercise Q
Get out your Workbook. Pick two goals that you have listed in Exercise F, and come up with a different and creative way that you can bring yourself closer to that goal. Do not use any ideas that you have had in the past or seem conventional. Really stretch your mind and look at achieving the goal in a new way. Read over your ideas, ignore the thoughts that these are impossible. Can you use your resources differently to make one of these impossible steps a reality?
“Don’t play what’s there; play what’s not there.” -Miles Davis
Dream It, See It, Do It!
Let’s use a creative approach that many successful people have used to expand their thinking. This may seem strange if you’ve never done it, but it’s called visualization. It involves creating pictures and movies in your head of things you want. For example, picture a snapshot of yourself on a cruiser yacht in the Caribbean, or taking part in a board meeting of a prestigious company – maybe even your own company. See that smile on your face? You’ve made it—you are living the dream in your mind. In this way the practice of visual creativity helps you own the feeling of success and generates more energy within you. 135
Lifemoney Walt Disney was famous for saying “If you can dream it, you can do it.” Nobody knows that better than Arnold Schwarzenegger, famous bodybuilder, actor and politician. Arnold always understood the power of dreaming and reaching for what you want. He grew up in Austria and he dreamed of leaving his homeland to pursue the goal of becoming a world-class bodybuilder. Years later after he reached that goal, Arnold visualized becoming an American film actor. Dreaming big once again it didn’t take long for him to meet that goal, too. His next dream was to hold public office in a country where he had not been born. Arnold continued building on his natural skills by visualizing many things. Today, Arnold Schwarzenegger is Governor of the State of California. He dreamed big, developed needed skills, watched for opportunities and followed his heart to become everything he wanted. In fact I saw him interviewed on television recently and he was sharing the fact that he’s not yet done dreaming. He has more, and when the governor’s gig is up he’ll be moving on. If you want to see a ‘dream it and do it” guy, watch Arnold. In your mind’s eye, walk through a typical day exactly as you want it to be. Who do you talk to? What do you do? Enjoy the mental image of your success by capturing each detail as a memory to motivate you when the going gets tough. Be patient and build that mental motion picture carefully. Rather than becoming overwhelmed by going from 0 to 60, use your creativity to visualize your daily activities, the house you plan to live in, where you go to work, what your days consist of, how it feels to go home; when you spend time with a spouse, kids, boyfriend/girlfriend, or family; where you go on vacation, what car you drive… Does
Creativity creating success in your mind make you excited, impatient, and eager to get started? This is the power of creativity to motivate you and form your life.
“If you can dream it, you can do it.” -Walt Disney
Goal Achievement Exercise R
Take out your Workbook. Rewrite two of your goals from Exercise F and actually see yourself achieving them. Make your visualizations into a mental movie where you’re seeing what you’ll see, feeling what you’ll feel and hearing what you’ll hear. You might have to get yourself into a quiet place to get all these senses activated, but do your best. When you’ve spent several minutes experiencing the visualization “movie” of your success, write a sentence or two in your Workbook about how the experience expanded and changed your thinking.
Five Creativity Factors
Let’s take all that we’ve been discussing over the last several pages and summarize it into some basic principles. When you are creative you: 1. Use Visualization to see your goal and watch yourself accomplishing it. 2. Objectify your goal to build a pathway to success. 3. Learn to look at things from a new perspective. 4. Ask big.
For example. copier. what does that mean for you? Do you want to sell houses? Do you want to manage rentals? Do you want to sell commercial property? Do you want to invest in real estate? Specifically describe your goal and envision yourself doing it. step by step. Now. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. Avoid the herd mentality. noticing colors of paint and the condition of the neighborhood. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. or when it becomes increasingly difficult to see yourself in the winner’s circle. it becomes more tangible.Lifemoney 5. Picture your home office with all the things you would use in a public office—computer. This isn’t fantasy or play-acting. so keep your thoughts positive and stay focused. Your body will do what your brain focuses on. imagine yourself doing it. What’s it worth to you? When you’re ready to give up on your dream. if you want to get into real estate. Notice even small things like the shoes on your feet and the color of your clothes. If you want to operate your own business instead of working for someone else. this proven 138 . Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. See yourself inspecting the houses. and telephone. You’ll work out the bugs of a process that will move you closer to your goal. fax. it’s time to shift gears and visualize it. Visualization is when you mentally create an image of yourself accomplishing the desired objective.
Do what you can to make a real “object” out of your goal. Lifemoney Currency “Visualization is daydreaming with a purpose. All success starts in your mind. good or bad. Sometimes having that physical object can help make an abstract idea seem more real. but our brains respond better to the real thing. To date. That is a conscious choice. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. an action you take. Acquiring anything starts with imagining it constantly. I kept miniature models of these cars in my room as a way to make my goal “real” and be an incentive of what I was working for. I have had both of these cars. There is no substitute for keeping the proper image in your mind at all times. Look at your workspace. and I still have the toy versions to help me remember to make my dreams real. Those that fail to reach their dreams are often letting their positive visualizations vanish.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. your accomplishments and your dreams? Some 139 . whether at home or at the office. Do you keep a special object to remind you of your roots. Why? Because you will create whatever you’re visualizing. Take responsibility to hold those images in your mind.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500.
Dieters sometimes buy clothing in the size they want to be rather than what they are now. and how important it is to enjoy every minute. whether past. If you don’t. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. and she keeps it near her heart as a reminder of how much she misses him. Real objects have power. an award or commemorative gift. The object for your personal goal might be something that brings to mind your dream. The key belonged to her late brother’s motorcycle. Queen Latifah wears a key on a chain. A miniature horse that fits in your palm could be the symbol of your future breeding farm. It also keeps her motivated and helps as a reminder of how precious life is.Lifemoney people have desks covered with trophies and some have desks covered with bills. Who do you think is more positively driven? Around her neck. Chances are you have a framed photo. present or future. 140 . 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. This is especially important in creating objects that represent your personal goals. Whatever you choose. or another small. it should be something that reminds you of and keeps you motivated to achieve your dreams. the one he died on. seemingly insignificant object that reminds you of something very important. start collecting those things and placing them around you.
manages some and sells the others. I looked at my friend as if to say. I put that check in the casket with my father because it was our dream together. that was it for me. I found out I was going to make ten million dollars for Dumb & Dumber. What I saw as a negative. After bothering the agent. it seemed I got the truth out of him.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. I remember him helping me out once when I was looking for a small rental property. It looked like a hurricane had come through and no one bothered to clean up after. my friend saw as a positive. Although I loved the building and the area. And then. I thought I knew something about real estate and I asked the agent how long the place had been on the market. When we went into the place I was very disappointed. He buys a lot of properties. the actual apartment was terrible. just before Thanksgiving 1995. crunched some numbers and while we were sitting down for coffee afterwards. He asked more questions. From his perspective it was good that the place 141 . I put it in my wallet and it deteriorated.” But David wasn’t quite ready to leave. His success is attributed to seeing what’s not there and being open minded about what can happen. Well. he explained to me that this was a great deal. “We’re out of here. and he informed me they had been trying to sell it for over a year.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995.
Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. You can do this in your own life. 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. Creativity Factor #4: Ask big There is huge power in learning to ask big. By shifting perspective. So try! It is a valuable lifemoney skill that can translate into big cash money. Although Liz was happy with the money she made and her success in what she did.000 down to $150. 142 . You know why? Asking for big and bold things always generates creative new ideas and usually uncovers a solution to your problem that you might not have thought of.000 co-op for $175. Liz. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. How? We were able to get the price from $165.000 and after spending $25. My girlfriend. She envied my work schedule and the fact that I could arrange my days as I saw fit.000. Most people who walked in there did not see the value of the place and could not picture what the place could look like. David helped me to see the real value of that deal. does medical billing and is the office manager for a doctor’s office. She is good at her job and has been with the same company for over 10 years. it appeared that I would be buying a $200. she really wanted a more flexible schedule. After David did the math with me. Anybody can see what’s obvious but only a few can see potential.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200.Lifemoney was a wreck and was on the market for so long.000.
Creativity When I encouraged her to suggest something new to her boss, like a more flexible schedule, she was positive he wouldn’t go for it. But rather than just forgetting about the idea, we sat down and actually listed some very big possibilities she could take to her boss. Specifically we asked ourselves “What might her boss go for?” We made ourselves think outside the box. This thought process alone allowed us to quickly figure out a few adjustments she could make to maintain job duties and still free up some time in her weekly schedule. Then one day at work Liz asked her boss something big. “I’ve figured out a way to work even more efficiently,” she began. “Oh, yeah?” her boss asked. “What’s that, Liz?” “If I work a day a week at home where it’s quiet, I can get more billing work done without the distraction of answering phones or coworkers’ questions. I’m sure I can work faster, which will save the company time and money. Can I do it?” Now do you think that was easy for Liz to ask her boss? No way. But she boldly asked a new and surprising question. And guess what? Liz’s boss agreed to give it a try, and now she has more flexibility in her schedule. She has a day each week for personal errands and her son and on that day she works the hours that she sees fit. Even when it seems like the odds are against you, asking bigger and bolder questions can be a huge source of inspiration and possibility for you. When I worked at MCI, through hard work and utilizing the Lifemoney lessons in this book, I became the number one salesman in the country. My problem was that I knew I preferred working from home without a boss breathing down my neck. But my boss really wanted me to work out of the office in the more standard corporate way. Rather than just giving in to this expectation, I asked myself a bigger, better and bolder question: what would the boss
Lifemoney go for? I decided that I would go to him and candidly explain my vision, how I worked best and how we could make this work for both of us. I set up an appointment with my boss and I explained how much more productive I was from home and that I had two more hours in my work day by eliminating the commute it took to get back and forth to the office. All I had to do was point to my sales results, and my “work from home” sales pitch spoke for itself. I showed that I was able to do my job the way that made sense to me and worked with my personal schedule. I wound up only going into the office a few times a month. I took a standard practice of almost all corporations of working the typical 9-5 office job and turned it into something that worked for me. An enormously big opportunity for me began by asking a big question: “What’s possible here?” Asking big is not only a creative way to think, but when you take the short step of sharing your creativity publicly; profound things will start to materialize. Get in the habit of asking big. Even if it doesn’t work, you’ll be a step closer to finding the solution that will work.
Creativity Factor #5: Avoid The Herd Mentality
There is an old saying that “if everyone is doing it, it’s probably wrong.” We are herd animals, and often where the herd is going is not original or creative in any way. Successful people are more often those who are willing to dream about going another way. It is always best to have some foresight and try to do what has not or is not being done. That’s not too say that you can’t make millions or find happiness doing things that have been successfully done in the past, but the pioneers will usually capitalize the most.
Creativity In addition, you also have to be careful not to jump into a fad or in something that has already reached its peak. The perfect example would be all of the late comers who tried to break into the real estate market – well after the bubble was set to burst. Read what Robert Kiyosaki, author of Rich Dad Poor Dad says about the stampede that took off after the real estate boom. “In 2003, every fool was getting into real estate. The checkout girl at my local supermarket handed me her newly printed real estate agent business card. The housing market became the hot topic of discussion at parties. ‘Flipping’ became the buzz word at PTA meetings. Homes became ATM machines as credit-card debtors took long-term loans to pay off short term debt.” And now the papers are filled with stories of people who followed the herd and ran off a financial cliff. Once everyone is doing what you are looking to do, it often makes your goal that much harder to attain. Again, this does not mean that it can’t be done. It just means you will have to work that much harder and smarter to get your results. You don’t always have to do things the traditional (Herd) way to get it done. If you want $5,000 to buy a speedboat, do you have to start with a basic savings account? Are there other ways you could raise that money? You could: • • • • Sell used items you no longer use -furniture/tools on Ebay. Downsize to a smaller house or less expensive car. Create shares of the boat and bring in partners Get a second, part-time job.
Lifemoney While all, some, or none of these options may work for you, the point is to try to go in the opposite direction of the herd when the herd has been going in the same direction for a while. Back to my main man Donald Trump: many people thought he was born into his millions, or that he came by his wealth easily. The opposite is true. Donald’s father, Fred Trump, had to help support his family and started a construction business in Brooklyn, New York. Donald spent a few years working out of the same office as his dad. When he eventually decided to get involved in real estate, he did so with a limited budget. Though he had very little money, the first thing he did was to become a member of an exclusive New York club. He used his membership as a way to make contacts. That’s pretty unusual and not what a herd thinker would do. Who ever thought of starting a business by joining a club? Most of us would wait until the company was established – probably even well established - before developing business relationships. Trump took an unusual route to success, and it paid off.
“You see things; and you say, ‘Why?’ But I dream things that never were; and I say, ‘Why not?’ ” -George Bernard Shaw
I seek out new perspectives to old problems. I believe that if I can dream it I can do it I will try using visualization to move towards my goals.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. I have objects around me that symbolize the success I seek. 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. Make the time. Don’t let yours go to waste. Take the time to evaluate your situation and try a creative approach. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. Engage your creativity now by taking stock of your situation. Lifemoney Currency “A problem is a chance for you to do your best thinking. but seeing what’s not there.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. I can visualize my success through a variety of mental pictures. 147 . Remember that one of the most important aspects of creativity isn’t seeing what’s there. _____ 2. and then figure your score. _____ 5. _____ 4. _____ 3. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. and invest the energy in some creative thinking about going after the things you want.
doesn’t mean you can’t do it. Lifemoney Currency “Just because something isn’t being done. I keep asking bigger questions to spur my creativity. _____ 8. _____ 7. hasn’t been done or looks like it can’t be done. I avoid the herd mentality at all costs. I know when I ask boldly.” -Brad Turk 148 . _____ 9.Lifemoney _____ 6. _____ 10. I will use creativity to help me attain my goals. I make detailed mental images of what I want. great possibilities are created.
People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. Understanding how others work and the mechanics of how they think will be crucial in gaining the support you need to get what you want out of life. Using people skills in a competent. getting others involved will be a major key to your success. everyone benefits” -Daniel Goleman Overview I am going to introduce you to my very simple and powerful twelve-steps to becoming a more persuasive and accomplished people person. but it should make your life experience more rewarding as well. For almost any goal you may have. if people get better at these people skills. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. professional and powerful way will not only aid you in achieving your objectives. 149 . So learning to interface with other people is vital to realizing your goals.
that one of the biggest problems in how they managed was that they had a uniform way of doing things. On the other hand.Lifemoney While I was at MCI. I was managing a staff of 8 sales people who all had extremely different personalities. and he needed a couple of days to 150 . who he missed that had passed away about a year before. As an example. Using my Lifemoney Lesson # 8. or had an excuse for something going wrong. I had one rep who was just like I was as a salesperson. He once told me about his only uncle. I had a salesperson who was one of the most charismatic people you could meet. that she would get the sales in. Amazingly. I provided them the resources to work in an environment where they could thrive. and that I could not work her harder than she would work herself. I knew she was a hard worker. He had so many excuses that he was losing track of them. They were men and women of different races and backgrounds. I worked as a manager for a short period of time. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). I quickly realized that to deal with people effectively you really need to understand what motivates them. from being a salesperson. Their “House Rules” were specific to how they thought a salesperson should be. out sick. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. She was self motivated. I did for her what I wanted my sales manger to do for me – I stayed out of her way. hard working and considered her sales position as her own small business that she was managing. During that time. that same uncle died again. He was always late. I saw from past managers that I have had. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. that we are all different and had different needs. I knew first hand.
Shared sorrow is half a sorrow. and at least once every day gave him a swift kick in the ass. Anyway. Be as specific as you can. I micromanaged him. Not only was this experience a financial success for me. you need to know what their needs are. especially when it comes to dealing with people. So to get the most out of people and to win them over to your cause. Are you a people person? Few of us respond to every situation in perfect form. Lifemoney Currency “Shared joy is a double joy.People grieve. but it allowed me to really connect to my reps and form lasting friendships. and told me that he needed that treatment to get him where he wanted to go. I treated him how he needed to be treated. 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 . He later thanked me for helping him. some I still have to this day.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook. Think of a past problem you had with a specific person.
or rhythm. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. Get into the habit. of preparing yourself to deal with people rather than doing so on instinct or history. Conversation involves someone speaking and someone listening. there are lanes for incoming and offloading traffic. Success doesn’t happen by accident. Listen. Lifemoney Currency “Every one of us gets through the tough times because somebody is there. everything.Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. do not speak. When it is your turn to listen. For relationships to be mutually valuable you must build a bridge that goes two-ways. Step # 1: Be a Good Listener People want to be heard and understood.” -Oprah Winfrey Turk’s 12-Step Plan for Bridge Building You can think of this section as the 12-Step plan for building relationship bridges on your road to success. 152 . even dealing with people – especially dealing with people – requires proper planning. The primary way we communicate with others is through conversation. standing in the gap to close it for us.
153 . let them talk about their skills. at the end of our meeting. It turned out to be a win/win for us both. Keep in mind he found me so interesting and I barely said a word. I asked the interviewer a few key questions about himself and what had made him successful in his career. 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. At the beginning of the interview. their needs and their accomplishments. this guy not only offered me the job. Ask questions. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position. Be enthusiastic about what they are talking about and who they are. not just another segue to a story about yourself. Let the other person speak – while you LISTEN. Try and put yourself in their shoes. listen with a reason. Although I knew my resume would be suitable for the position.People To demonstrate how much people want and need to express themselves and feel understood. Watch for opportunities to offer empathy. he took an interest in me. Step # 2: Take an Interest in People When you listen. advice or assistance. find out about them. people like people who like them. Yet. If you want to win them over. If you really take an interest in what they are saying you might learn something. Because I took an interest in him. You can’t learn from them if you’re talking. I will tell you a funny story about a job interview I once had. Again. He was so excited to talk about himself and his experiences that at the end of an hour. we did not get to discuss my history. it seemed as if we did not even speak about me. Smile. Everyone’s favorite topic of discussion is themselves.
at first. But the funny thing about building these bridges is they work both ways. Have faith and patience that the longer these relationships last. Try it and see how it works. They’re getting enjoyment out of reliving an experience or sharing an insight. Let the other person feel important and appreciated. the more they’ll learn by example and start paying you back– by listening to YOU. you don’t have to interject your knowledge or skills. Let the person tell the story. Even though you can relate to the story because of your expertise. 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. Step # 3: Don’t Undermine – Understand It’s easy to criticize. Don’t fake it! Did someone cut you off on the road? Maybe she was going to see her husband who has been injured in a car accident. But you need to be genuinely nice. 154 . Most people react in a negative way due to circumstances. Some people are just genuinely grumpy or mean – but these people are not the majority. The more you listen to others. it might be.Lifemoney Let’s say that you are a very good racquetball player. brag or whatever they wish. the more two-way they’ll become. you only aggravate yourself. 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. and someone you are talking to tells you about a game of racquetball they played. In building up conflict instead of offering genuine kindness. and telling your stories. Did they have a bad day? Was there a problem at home? The best way to turn a person with a bad attitude around is to be nice. Don’t take that away by changing the subject to you.
cfm?pageid=102. Maybe you got up on the wrong side of the bed. 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. a fancy carriage pulled up to the Scotsman’s sparse surroundings. His name was Fleming. 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. Crazy things happen when you reach out to people and pay some kindnesses forward.” said the nobleman. screaming and struggling to free himself. He dropped his tools and ran to the bog. One day.winstonchurchill. and he was a poor Scottish farmer. Farmer Fleming saved the lad from what could have been a slow and terrifying death. The next day. There. mired to his waist in black muck. even though you typically arrive on time. “You saved my son’s life. Maybe you weren’t feeling well. Then the boss yells at you for being late. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved.org/i4a/pages/index. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams.People Think back to a bad day you had recently. On the way to work you get stuck in traffic due to road construction. “I want to repay you.” 155 . was a terrified boy. while trying to make a living for his family.
At that moment. the farmer’s own son came to the door of the family hovel. “I’ll make you a deal. I can’t accept payment for what I did. in time. he’ll no doubt grow to be a man we both will be proud of. I know it is because I never really made a true attempt to focus on remembering them.Lifemoney “No. Years afterward. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names.” the farmer replied proudly. and went on to become known throughout the world as the noted Sir Alexander Fleming. the same nobleman’s son who was saved from the bog was stricken with pneumonia. Mary’s Hospital Medical School in London. The name of the nobleman? Lord Randolph Churchill. His son’s name? Sir Winston Churchill. “Is that your son?” The nobleman asked. the discoverer of penicillin. Farmer Fleming’s son attended the very best schools and. but I think people can tell when you don’t remember their names. This not only looks bad. Let me provide him with the level of education my own son will enjoy. 156 . “Yes. What saved his life this time? Penicillin. If the lad is anything like his father.” And that he did. and it’s a little bit insulting. graduated from St.” the Scottish farmer replied waving off the offer.
“glad Brad. Brian. the value of the proposed deal. 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. it’s easy.” You get the idea. Let’s talk about that sometime. nice meeting you. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. Again. These little tricks work amazingly well and are well worth the time it takes to practice them. For instance. But if they look like they’re very tired and sad. One idea is to repeat the person’s name out loud a few times during the introduction. “Nice to meet you. you might think “sad Brad” or if they look happy.People I would suggest you develop a system that helps you put greater effort into this huge priority. the intangible benefits of having their name 157 . but I will stress what’s in it for them: a great rate of return. Where do you work? Is that right? Sounds interesting. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. Let’s say for example that I need help with financing a business deal that’s important to me.” Another popular technique is to associate their name with something visually unusual. Brian. If their name is “Brad” and they look like Brad Pitt. 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. they will be interested in helping you in exchange.
and how can I give it to them?” I am not saying you can’t get help any other way. whether a free meal. If a friend is remodeling a kitchen. I’m always thinking “what do they want. The winner of an argument in real life is often the loser in the relationship. All you will do is make the other person feel bad. Remember that getting the support you want depends in part on providing others with what they need. a case of beer or concert tickets.Lifemoney associated with the project. 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. …you get the idea. when they did help. too. Who won? What were the stakes? What were the consequences? Would the outcome have been different if you had not let the situation escalate? If hard feelings resulted. a coworker or a friend. they would have behaved differently. but the level of intensity – time. stupid and embarrassed. how 158 . 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. inferior. the fun we can have together as a team. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. 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.
Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. Relax. Speak from a calm center. Think your words through. Show. I make a big distinction between arguing and disagreeing. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. upset or just want to communicate with someone they care about. Often. do nothing but harm. Don’t act rashly or lash out. be it personal or professional. Don’t give advice unless it is requested.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. 159 . 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. Wait for your opinion to be asked before shoving it at someone. Don’t speak out of anger. Arguments. particularly defensive and mean ones. people argue because they are hurt. Think about someone in your past that pushed unwanted advice on you. Always try to look inward to the core issue. Keep in mind that everyone is born equal and deserves to be treated that way. even if it’s negative communication. Don’t brag. don’t tell. and even then be careful. be self-controlled. Let others mention your accomplishments before you do. Disagreements on the other hand can be powerful sources of new information and a chance to grow. aggressive individuals that think they know it all. Step # 8: Think Before You Speak In any discussion. no one is impressed.
lower your expectations of others and increase them for yourself. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. Take courtesy even further. Just remain calm and don’t shoot your mouth 160 . A few sincere words written in a card or spoken with a smile can go a long way toward making someone feel that his or her efforts are valued. but we all have problems. but it’s extremely important. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. This may seem like a small thing.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. but received no sense of appreciation. Don’t cry or whine over any of this. To get along in this world without becoming an irritating whiner. but he never called or wrote to say thanks. 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. Shake hands firmly and introduce yourself when around new people. Always say please when asking for something. Everyone makes mistakes and will disappoint you at some point. Step # 10: No Whining Allowed No one likes a whiner. You would be surprised how far all of this will take you in building relationships. even after working hours of unpaid overtime. 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. Look people in the eye and give them respect when you speak to them. It’s not that your problems are unimportant. It makes a deep and lasting impression that money can’t buy. From time to time you may even take the blame for something that isn’t your fault. Or you might have helped a coworker with a difficult project. Some of those mistakes will be at your expense.
chances are your credibility will be shot for all that you do. Would you want someone to take your most valuable asset away from you? I learned this the hard way when I was first starting out in sales. Even if it is just to arrive to a meeting at a certain time. time is their most valuable asset. The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. As I mentioned. Also. I know this is extreme and there are times when being late can’t be avoided. The person that I was meeting came out and told me that he would not meet with me and would not do business with me because I was late. to a successful person. more opportunities will be sent your way.People off and burn bridges. I had an appointment with someone and I showed up 15 minutes late. being late is a sign of disrespect for someone else’s time. Your word means everything. Step # 11: Your Word is Your Bond Do what you say you are going to do. 161 . especially in business. If you can’t be trusted on one issue. but this true story illustrates how sensitive some people are to lateness. When people know you are dependable. You never know when you might have to go back the way you came and deal with that person again under better circumstances.
don’t be afraid to cut ties totally. while your reputation is merely what others think you are. If you don’t like 162 . politely let them that you will get in touch when you have time. or who tell you to give up because you have more important things to do.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. If it’s someone who is really just negative and brings you down. 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. Problem people often hide in plain sight. They might be an older brother who sets a bad example with his drug use or gang activity. They can be so-called “pals” who don’t believe in you.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. put you down or turn you off. To get rid of the people who will hold you back. but you have to put first things first if you ever plan to reach your goals. 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. 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. You probably already know who some of these “avoidable” people are. like fishing or playing cards.
Either way. A motivator can be anyone who trusts you to follow your dreams. They might be a good friend who listens while you describe the goal you want to reach. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. if they’re far away. They’re a little harder to find. as well as your plan for getting there. the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. 163 . quite literally. Either way you’ll know these motivators because you’ll feel an instant attraction to them. you must also make room in your life for the motivators. In fact. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals.People where the bus is going or you changed your mind in the direction you want to take – get off. it’s simply a move in a new direction. or they may be a total stranger. Just as you must get rid of the people who will drag you down. Find a new bus or another means to get there. seek them out. And the more you hunt for them the more they will be attracted to you. It might be a mentor who leads by example or. If they’re nearby. 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. cling to them. It’s not quitting if you’re the one doing the choosing. make sure that you’re always riding the right bus for you.
Don’t move off to try another one until you’ve seen results with the first one. goal-oriented people who encourage and inspire you. Lifemoney Currency “One skill you act on is better than 12 that you don’t. keep using it until you don’t think about using it anymore because it’s so natural. What’s the best way to learn them? Choose any one of these and use it today.” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson. Associate with positive. This is the best way I know of to master this list.Lifemoney Lifemoney Currency “Get around the right people. 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.” -Brad Turk 164 . In fact. Then magic happens.
_____ 6. I always remember the “what’s in it for me” rule. Lifemoney Currency “Find people to make up for your lack of know-how and. _____ 7. I understand the value of tolerance when dealing with difficult people. I am learning to be a good listener. I keep to my word. I have a good sense of which people to pursue and which to avoid. _____ 10. eventually. I make efforts to express appreciation and good manners to others. and then tally your score.People Millionaire’s Checklist: Check all the items below that you agree with. although I can politely disagree. A huge part of receiving is giving. I don’t whine. you WILL know-how. _____ 8. _____ 9. I try to stay calm and avoid arguments. _____ 2. and I often make efforts to give without expectation of receiving anything _____ 4.” -Brad Turk 165 . giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 5. I am taking an active interest in people _____ 3.
This talks about some of the things I’ve found useful in creating a positive mind. What you believe you’re going to get in life is pretty much what you’re going to get. you'll start having positive results. 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 .” -Willie Nelson Overview Someone once said. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction.Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones. a well maintained attitude and a “no excuses” outlook. whether you believe you will or you won’t – you’re probably right.
Her father had been an executive producer of some very well known films. On the contrary. you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. 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. believe that it can happen and know that you have what it takes to make it happen. I don’t know if it was her beauty. happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college. As a general statement positive thinking plays a powerful role in helping us achieve what we set out to do. From the outside looking in. I saw her complaining everyday about what I thought were very trivial things. it appeared she had everything that a person could want. and whichever direction you take in your mind will probably dictate your destiny. He was both successful in his field and wealthy. It appeared that everything annoyed her and she was never happy. You just have to know that you’re heading in the right direction. if you focus on the positive. her money. I was amazed to see how miserable she was.Positively Thinking Do you believe you can reach your goals. When I finally had the chance to meet her personally. If you focus on the negative. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. 167 . or the fame of her dad but everyone in school wanted to be near her. you create road blocks that stop you from achieving your goals. or do you think that it probably won’t happen for you? This question is like a fork in the road. The Multi-Millionaire Blues A good example of how attitude. I figured she would have far fewer worries than other people! In getting to know her.
you do have complete control over what you choose to think. 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. do. They complain about all the ways in which other people or circumstances are standing in their way. It’s not what you have but how you perceive things that really counts. 168 . 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. So don’t worry about what you can’t do. Maybe you will be the one family member who can show the others that success is possible? That would be a wonderful Lifemoney gift to give them.Lifemoney I stayed away from her negativity and did not associate too much with her. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. “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. what you attract into your life and your ultimate success. You might feel as though you are destined to continue the long line of defeat. focus on what you can do. Maybe you come from a family with many losers and too few winners. and say. Though you have no control over the actions of others. I heard a few years later that she had attempted suicide.
” Your mind is yours.Positively Thinking Practice turning negatives into positives. You have the resources others don’t have. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. you better change your mental channel. Lifemoney Currency “Just can’t live that negative way…make way for the positive day. 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. You dream 169 . so use it positively. You have even more desire to do better than others may have. Change the channel and play the role starting now. In America. I was able to become wealthy. I want you to understand that you’re holding the remote in your hand to switch to that channel. If you grew up wealthy – good. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. 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. It starts in your head with your mental remote and plays out in reality. STOP! Forget the excuses! If you grew up poor – good. there is nothing stopping you from becoming all that you dream of becoming. If you feel yourself beginning to argue with me.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. If you catch yourself repeating the complaints above.
It was the mental focus on all that he did that made him the best in his field. you implement your plan. The mind rules over every part of the body.Lifemoney it. List five failures that caused setbacks in your life. write down a lesson you learned from this failure. Obviously. and explain how you will avoid one of those failures in the future. that had to be coupled with hard work and long hours in the gym. Arnold Schwarzenegger went into every competition thinking he was the winner. Do it and watch how your outlook brightens. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. you have a smart plan. Get your mind on the right channel and the body will do its part to follow the plan. Failure can be a very positive experience if you dig through it to find a good lesson. Failing does not make you a failure if you let it teach you lessons. Goal Achievement Exercise T Take out your Workbook. This is the way you turn negative experiences into a positive ones. He visualized it. but he said that all the intense effort and workouts did not give him the extra edge that he needed. 170 . you work hard to get it. took it on as his personal goal. Also. This attitude and confidence spread and led everyone else to believe the same. and owned the feeling of a champion. and guess what? It’s yours.
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. Understand that a positive mindset happens first. Which have you been? Be honest with yourself. Looking back have you been a complainer or a fixer? If you had it to do over.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”. 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. but it does happen. But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking. 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. -Thomas Edison Don’t Complain . They have a mental certainty that what they’re doing will lead them right to where they want to be. a Donald Trump in real estate or a Jay-Z in the studio. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 .Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. If you want a piece of the action.
Positive thinkers are always focusing on ways to positively impact their world. did a previous employer offer to pay the tuition for you to return to school. Is stress holding you back? Stress is often closely linked with a negative mental attitude. The same is true about anxiety. How do you do that? You’ve heard me say that we cannot always control the events in our lives. like drawing. Begin using positive thinking to search for new ways to impact your life. The solution is to stop complaining and fix your attitude. stay open and be ready to jump into action.Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. 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. Make a mental note not to miss these kinds of opportunities again. Begin positive. especially if it was a thought that stopped you. If you want people’s attention. that a former teacher encouraged because you secretly had no confidence in your ability. an inspiration. These are all signs of a distressed and negative mindset. and never feel played out. and a role model. but we can control our responses to them and the actions we take as a result. and get frustrated. 172 . get it in positive ways by becoming an encourager. Why? Negative thinkers typically think that they’re stuck and will be miserable forever. 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.
Lifemoney Currency “Attitude is a little thing that makes a big difference.” -Winston Churchill 173 .” -Anonymous Goal Achievement Exercise U Take out your Workbook. or relationship opportunities. When you’ve completed this list. This list is very important in your Lifemoney process because it points out potential areas of negative thinking you’ve engaged in and will need to steer clear of in the future. Include options like going back to school. cultivating new relationships (or restoring old ones). anyone can start from now and make a brand new ending. employment. overcoming a bad habit. developing new skills. Make the list with a new sense of optimism and hopefulness. make a new list of potential opportunities for the future. Make a list of opportunities from the past that were missed due to negative thinking. That’s a great first step in positive thinking. These could include lost academic.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start.
” -Lou Holtz.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. football coach. Positive thinking sets them on a course for achievement. whose deafness did not stop him from composing classic musical compositions. Some famous examples include Beethoven. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. broadcaster 174 . who minus sight and hearing became a model of inspiration to others. 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. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. Helen Keller. 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. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. I never had a crisis that didn’t make me stronger.
many of our efforts don’t bring immediate results. most people in your audience would rather die than speak. Don’t be intimidated by life situations like this. 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. And if they did laugh. who is going to think twice about your errors after they arrive home that night? It would never happen. What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. so you’re already way ahead of them.Positively Thinking Worst Case . So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. 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. Instead think in terms of best case/worst case. Think about something that you are afraid to do because you think you might fail.Best Case Try this experiment to create more positive thinking. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. Most people don’t remember what even great speakers say! Besides. Then take on life without apology or embarrassment. so what? Who cares? Besides. You may submit a proposal and wait months before 175 .
Unless you’re prepared to wait. why not be positive. It’s time for a change. Think of it this way: you’re going to have to spend the day in some way. 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. The way to get over them is to keep it moving until something positive does happen. She’s probably like all the others. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way.Lifemoney getting a reply. Without those first small steps there could be no end result worth noting. 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. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. productive and get something done? Eliminate Negative Self-Talk A huge part of controlling a positive thought process is by eliminating ongoing negative self-talk. Do you ever catch yourself saying negative things in your head? It’s human nature to soak up some of the negative energy surrounding us. Everyone faces down times. This relationship is going nowhere. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. lack of feedback can lead to negative thinking. Stay positive by remembering that lesser. 176 .
For example. The key is to quickly counter the negative talk the instant you recognize it. Create a Repeatable Success Thought When you set your sights on a distant goal.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. going back to college at 40. We ought to try a little longer in case this turns out to be something good. especially if others are telling you it won’t happen. it may seem unreachable at first. 177 . trying to get into graduate school. But that is the time to push the envelope to reach your dream. The idea is to simply stop thinking negatively and to find something good to say “yes” to. Or maybe the girl has a habit that reminds you of someone you used to date. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. They rob you of positive energy and momentum. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. I’m going to call her and plan something exciting. Are they entirely accurate – or just knee-jerk reactions to momentary troubles? It might simply be that the relationship is too new for either person to know where it’s headed. the faster your mind will change into a direction that goes forward. Really look carefully at these statements for a moment. or climbing to the top of your profession may seem unachievable at first.
“I’ll stop spending. I do not need second helpings.” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence.” (Too long and detailed) 2. To avoid negative self-talk and track negative thoughts. Be specific and limited. I will take my wife to Hawaii next year.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1. I call these “success thoughts. the sooner you will believe it.” (Too short and vague) 178 . write down positively phrased replacement terms you can use as success thoughts. and repeat it often. “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. Make your success thought as specific as possible. The more you say it. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. Don’t write long sentences or anything that is too short or vague. Nothing can block my success. I will speak up at today’s meeting. Goal Achievement Exercise V Take out your Workbook.
179 . “I won’t charge more than $50 weekly. detailed and valuable) Use your imagination to come up with more positive statements like these. Instead.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach.” (Positive. and you have to fight.” (Positive. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. update the success thought for a related goal. it’s how you view them and what you do about them that matters. “I’ll use just one credit card. specific and helpful) 2.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. When you fall down. pre-recorded message that reminds you to stay on track. Everyone makes mistakes. such as.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. but the important thing is to think positive. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance. but you have to think positive. “I’ll pay my balance each month. After a few weeks. Lifemoney Currency “Anything is possible.
” 180 . Don’t let anything keep you from getting it. Although others may have held you back at one time or another or you may have to seek help to reach your goal. remember that you are responsible for how your life turns out. Give thanks and be happy! Lifemoney Currency “He who has so little knowledge of human nature as to seek happiness by changing anything but his own disposition will waste his life in fruitless efforts.Lifemoney Don’t let past failures hold you back. Think about the things that are positive in your life. Keep focused on what you want. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains.
Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. _____ 9. _____ 6. I keep moving ahead even though I’m not getting immediately rewarded. I refuse to hold on to negativity and past misbehaviors. I am watching for opportunities to say yes to. and then tally your score. I am learning to manage personal and job-related stress by positive. _____ 5. _____ 1. _____ 4.” -Brad Turk 181 . to fix my situation. with the waiter on his way over to fill it up. _____ 2. some view the glass as half full. I view the glass as half full. I will not let others’ pessimism interfere with my plans to reach my goals. _____ 10. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 7. I can see how past accomplishments have prepared me for the future. I will act as if I’m in the role I want to play. proactive thinking. but rather. I will continue viewing myself as a winner. I am making consistent efforts not to complain. Lifemoney Currency “Some view the glass as half empty. not a loser. I repeat success thoughts to myself as often as possible. _____ 8. _____ 3.
it turns denying yourself into investing in yourself. 182 . I shattered my pelvis. We want it now. Not true. 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. If we could find a way we’d have it yesterday.” -Evel Knievel Overview Few of us do well with sacrifice. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. I had surgery 14 times to pin and plate. Successful people know that dreams don’t come pre-packaged overnight. it just doesn’t come naturally. But I have broken 35 bones. They say I have broken every bone in my body. I forget all of the things that have broke.
But if that was the only way. store or business. some become millionaires. there are people who were born in this country who complain about the lack of jobs. to get his first film project.000 in domestic box office sales.000 to make the movie and it grossed $7. 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. saving every penny to open a restaurant. sacrifice is often a part of any success story. Yet. sleeping just a few hours a day. In 1986. She’s Gotta Have It. but I can tell you that Spike would probably say yes. off the ground he did just that. Some work two and three shifts for years at a time. Within a generation. It cost him $175. rigorous job to get where they want to go. Many immigrants come to this country with nothing but the shirt on their backs. would you? 183 .000 in sales.000. you have to make those kinds of sacrifices. grateful for the opportunity to have all the work they can handle. Why? Because they work hard. This much I can tell you. They lay everything they have on the line. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants. Spike Lee knows that sacrifice can pay off .100. It’s a real risky strategy but sometimes when you believe in something strongly enough. Now I understand that not everyone is willing to sacrifice their ego or their prestige by taking a low-paying.big time! Big or small. I will tell you right off the bat that I wouldn’t be. Was the sacrifice worth it? You’d need to ask him. Since then Spike Lee has produced at least 22 other films that have made over $433. Ask filmmaker Spike Lee.Sacrifice Borrow. They are simply unwilling to sacrifice anything to get where they want to go.
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. There were no shortcuts to success. took a job as an insurance salesperson straight out of college. 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. He had to sacrifice his nights and his only free time in order to get where he wanted to go. Pulitzer Prize winning political cartoonist. at almost any cost. Lifemoney Currency “Judge your success by what you had to give up to get it.” -Dali Lama Sacrificing for Success Mike Luckovich. 184 . These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was.
. improving the lives of millions of people. They are costly and precious. and/or enjoy that you are willing to part with in exchange for your goal. For example. and you will have to be ready to give it when the time comes. your sacrifices could include six hours of your time each week for daily workouts. 185 . You have to be willing to do whatever it takes to claim them. $100 per month for a gym membership. or is your goal just a casual want? Only you know. List the tradeoffs you are willing to make to reach one of your goals. Ideals are not cheap. However. But he stuck with it. Jr. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. Below the goal you just wrote. What do you have in your life now that is expendable. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return. He could have taken the easy route to avoid jail time. Goal Achievement Exercise W Take out your Workbook. 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. Choose one of your goals and write it out. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. if becoming more physically fit is one of your goals. list three things you now do. spent months in prison rather than surrender his belief in equal rights for all people. or he might have gotten discouraged and given up. etc..Sacrifice Martin Luther King. and I can’t make up your mind for you. have. I am committed to helping you get where you want to go. and giving up your weekly poker game to play tennis.
You can view your goals in the same way. They’re both chasing the same dream: business success. Which one do you think 186 . presenting it to your friend or loved one with a sense of tremendous accomplishment. they will mean the world to you because of what it cost to reach them. But after years of careful thought and unwavering perseverance. Success has value because you have to work for it – you earn it. you eagerly add a few dollars here and there to save up the needed amount. Whether it costs $20 or $200. you proudly go out and purchase the gift. But as we’ve seen that’s not always the case. If you could just reach out and get them today.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. When you get enough. One is given everything by rich parents who buy her everything she needs and most things she wants. Imagine a scenario of two young women. 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. 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. there would be no effort or cost attached—and they would mean very little.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. when you do reach your goals.
“anything worth having is worth working for.).” Do you feel that way about your road to success. etc. Develop a needed skill through a second job. Get feedback from those who already have accomplished similar goals. or taking a class. • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. have a question. Put less important things on hold. Period. But no plan is complete without counting the cost of reaching your objectives. In planning for your future. Seek help when I get stumped. at least temporarily. volunteering. sweat and tears for something you’ll own it in a way that nobody else can appreciate. write a book. 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. you have already begun to outline some of the goals you hope to reach and have created a plan to get there. 187 . You’ve probably heard the saying.Sacrifice appreciates the success more? You know the answer. Find the non-essential time-eaters in my life and eliminate them. Why does she appreciate it more? It’s common sense that when you pour out your own blood. or run into problems. Are you ready to figure out what it will cost in time. 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. Invest a certain amount of income toward reaching my goal(s). That cost is part of the joy of success. money.
Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. 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. you will have enough for today and tomorrow. too. there will be nothing left. but less than twenty percent of the population do so. It’s a simple fact of life. The wealthy will have enough from current savings and investment plans. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. Underachievers live for the day and overachievers live for the future. If you spend all you have. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. But if you save and invest it. 188 .” -Sidney Howard Number 2: Delay gratification Sociology experts tell us that one of the differences between the lower class and the upper class is the ability to delay gratification.
When you have successfully conquered the need for instant gratification. Let’s build your ability to delay gratification. When you think about it. List two or three fun things you want to do today. Goal Achievement Exercise X Take out your Workbook. Instead. etc. or at the end of the month. almost any achievement in the world will become immediately more achievable. All of these things take patience. It might be go for a walk. eat some ice cream.Sacrifice Delaying gratification is something you get used to. we collect paychecks every week. 189 . Do this exercise well and discover how much more you get done and how much better you feel. Make sure that those things on your list are things you really want to do. Often we don’t find out about a medical test result for several weeks. List one or two tasks you will have to complete before you get your reward. In other words we’re doing it anyway. list something you will get done before you have your fun. Then underneath each item you expect to give yourself today. This might challenge you and be a little difficult. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. many areas of our lives undergo postponement. play tennis. every other week. go shopping. For example most of us don’t get paid for our work at the end of each day. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. which in the end brings it own kind of reward. watch your favorite television program.
Finding time to work on long-range goals may seem impractical.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. pulling the trigger and going for it. Because I know if I do. and social activities. say $25 per month. I don’t do things half-heartedly. doing 190 . you can arrange for a direct deposit straight from your paycheck. family. But actually. especially if you begin with a reasonable amount. Just do it. You may be reluctant to open a bank account. then I can expect halfhearted results. and it may seem difficult at first to find enough extra income to make regular deposits. making community contacts. The same is true for working toward your future goals.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. Many goals that seem hard at first become easier once you get momentum established. the results will come. this could involve reading. Devote fifteen to thirty minutes several days a week to your goals. But you won’t know that until you pull the trigger and get moving. But with a little effort. setting aside time for future rewards is like making deposits in a savings account. We barely have enough time to get through a typical day with the demands of work. Most of us lead busy lives. So do it. Depending on what you hope to achieve someday. Start small.
then you have to keep on doing the whole lot. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. fully aware that not all of it will produce rewards. keep in mind that you may have to work through several levels of effort to reach them. His point was. that if you can’t tell which half. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. But if you keep pulling the action and sacrifice trigger. None of those tasks took a long time – but each one was a step toward realizing a goal. Naturally. this means you’ll have to give up something in exchange for this valuable daily time. You put in 191 . The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. Remember that one of the keys to success is to learn everything about the role you want to play. if you want to get involved in local government. And keep pulling the trigger at each “next” level of achievement you’re taking. Pull the trigger already. you may need to first attend some political rallies. Whatever your goal. Whatever it is you must give up. 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. of course. or volunteer as an aide to learn the ropes. Everyone has to pay their dues as they work. 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. For example.’ but he didn’t know which half. you will be rewarded. Sometimes it seems unfair. visit with your representative.Sacrifice volunteer service. do it. Life is a bit like that. from the inside out. so pull the trigger now and get your show rolling.
You’re polite to people and everyone seems rude back. Lifemoney Currency “I wasn’t going to be one of those people who died wondering what if? I would keep putting my dreams to the test—even though it meant living with uncertainty and fear of failure. The lesson is that you must continually give 100% effort in the direction of your dreams.or for what -. It’s a simple lesson that has never failed to produce great results for me. Your efforts will be rewarded eventually. and anyone with a dream must learn to live there. I know it isn’t fair. you have to keep doing the 100% because you don’t know which bits will pay off. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. It reads: 192 . This is the shadowland of hope.Lifemoney loads of effort and get nothing back. but you’ll probably never know which efforts are being rewarded -. You work up a sweat. and others cruise it.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure. Well. but then life isn’t.and which aren’t. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work.” This quote summarizes a great lesson I’ve learned throughout my successes. engraved there to inspire the youth of that school.
then he dies. we have to figure out which ones we want most. the whole process of success becomes easier. and if you love where you’re going you can know ahead of time that you have a lot of pleasure ahead waiting on you. In addition. But show me someone who has achieved their dream without it. having been mortally shot. Maybe they should. Those people just don’t exist. but they rarely do. and someday my chance may come. Good things don’t just happen to us. if you build your Lifemoney. Sacrifice is sort of the dirty word of success. At the climax of the movie. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. What are you prepared to do? 193 . an Irish cop played by Sean Connery. and then force ourselves to work hard for them. 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. one of Ness’s fellow agents. In the movie. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. It’s not nearly as bad as you might think. Nobody wants to hear about effort and work and sweat.” The emphasis is on the preparation. Instead. The good news is that if you’re in love with your dreams and want them so badly you can taste them.Sacrifice “I will study and get ready. the work doesn’t seem like work. Are you prepared to follow this through. One of my favorite movies is The Untouchables. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. 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.
focus on “what am I going to get in return?” Investments of time or money are long-term deals. sacrifice pays off.” -Wayne Gretzky 194 . Only you can decide what you are willing to give up in reaching your goals. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in. In the end. the payoff will eventually be seen. to reach out and grab your future? Don’t spend the rest of your life wondering what might have been. But if you keep putting in the effort. Be prepared to give up more of what you have to get more of what you want. But don’t dwell on the negative aspects of “what do I have to give up?” Instead.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. at almost any cost. Most do not pay off immediately. 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. Keep your eye on the prize and focus on what you’re going to get in return. and some require harder work than others. No one likes to sit around wondering what he or she has to give up as an investment in a dream.
_____ 5. _____ 1. I believe that planning for the future is as important as getting by today. I am prepared for life. I have identified several things in my life that I must sacrifice for success. _____ 7.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. _____ 2. I am pulling the trigger on my talent today. I am willing to pay the cost that is required for me to meet my goals. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . I will put forth 100% effort at all times. I am learning to delay my gratification for both the present and the future. _____ 8. and then tally your score. ____ 10. giving yourself 10 points for each checkmark and 0 points for any left blank. Some of my goals will require that I hang tough. _____ 6. I am willing to set aside less important activities to focus on my goal. _____ 4. I have calculated my goals’ financial costs and scheduling adjustments. _____ 3. _____ 9.
J Overview Having patience is a key ingredient to successful living. 196 . Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. tension or frustration. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results. not the destination. 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.” -Don Williams. By patience. It is the ability to let go of the need for immediate gratification. without experiencing anxiety.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. I mean the ability to sit back and relax while waiting for an outcome.
It’s as if patience is a simple building block of satisfaction. This is one of my personal flaws that I am working on. Gradual change and growth give you the greatest chances for success. 3) I can’t stop for even a second until I reach my goal. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say.Enjoy the journey 2) I will never get to all the things I have to do. I’m going to move on to something else. This can further result in losing important things like business relationships. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward. I have to be honest with you: I happen to be a very impatient person. relationships and personal growth when you lack patience.this task has two many steps. But I am careful to differentiate urgency. which is a powerful force that gets things done. the results just won’t last long. 6) I just don’t know where to start . which can be very destructive. 4) I hate having to do or say something more than once. unhappiness and sometimes even anger. When you force efforts. from impatience. When you stress yourself to create results too quickly. without which you are going to suffer. you need to be patient and wait for your results. There are many negative consequences on health. How do I differentiate the two? A sense of urgency is a good and powerful 197 . 5) If something doesn’t work immediately. 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. jobs and friendships. you run the risk of anxiety.
Lifemoney tool. Mexico. urgency turns damaging and can lead to senseless and sometimes destructive impatience. If I’m not careful this can create impatience in me. If I can’t change or alter a situation. For example when I take on tasks that are really time consuming (this book for example). It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. I’d brought on an investor to put up the money for the deal. I need to clear it from my mind. I have an unrealistic expectation of speed. I told 198 . It’s a quality that helps me act quickly and get an enormous amount done. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. and don’t let the things I can’t control stress me out. 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. Based on where I was in the process and the faith that I had in my contacts in Mexico. How do you and I remain urgent without dying from impatience and anxiety? The big lesson I’ve learned is to focus on controlling what I can control. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. And this is probably true for you too. I can’t control those timeframes. This is a struggle for me as it might be for you. But when urgency is applied to things I can’t change. 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.
regroup and come up with a game plan. So there I stood in Mexico. $1. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 .000 that was needed to get this project going. he decided to partner with me and put up the $1. I wanted this deal done. Outraged by what transpired. When reviewing the numbers in this new version of the proposal it was obvious to me that we would lose money if we signed that deal. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. What was I going to do now? Go home with no deal and give up? How could I tell my investor what happened? Was I going to start from scratch after all this work in putting together this deal? What I did was relax.600. I immediately extended my trip from 2 days to a full week. I picked up my things and told the company I was meeting with that I would look over their new terms. and then I left the meeting. There was so much I had no control over. and patience was number one.6 million dollars. a partner who trusted me enough to put up that $1. It took all the Lifemoney lessons I talk about in this book to get me through this situation.6 million already invested in the equipment needed for this project. I noticed that they had changed all of the terms of the deal. Based on the trust that I had built with the investor on past dealings. I flew down to Mexico for my big meeting and to sign paperwork.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. 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. When I sat down in my meeting and went over the paperwork that they had prepared.
Focus on the results and not the task. Look at the things you have accomplished to date. Why? Because I was patient and focused on controlling what I could control. Do something fun and celebrate your incremental success. If your goals don’t seem to be on track. reevaluate your objectives and make your goals more realistic for your needs. I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. If I did not have the patience to stick this out. I started making calls and finding out key contacts and setting up appointments. 200 . • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. If 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. • Stay busy.Lifemoney had met with. • Reward yourself for completing something difficult. Get preoccupied with another task until you have results from the first. 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 would have never completed this deal that wound up being a very successful project for me. I wound up getting an even better deal than I would have initially.
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. before you know it. Chances are you will look 201 . Are your problems really as serious as you think they are? I think about my problem and imagine how it will affect me 5 years from now. I find something to make me realize that it’s not as bad as I think it is. 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. You need to start enjoying a little everyday. For example. If you do. Don’t take time for granted and let your life pass you by. Here’s a very personal technique I rely on to help me enjoy the daily journey. In 5 years looking back at the issue. you will wake up and have missed out on what life really has to offer. I’ll realize today is beautiful and I should appreciate my health. When I am having a bad day. Remember when you were a kid and you wished you were older? How many of you wish you were younger again? We always wish for what we don’t have and don’t appreciate what is right in front of us. We need to count our blessings and enjoy what we do have and make the most of every day.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 need to live today like it was your last day and plan for tomorrow as if you were living forever. The 5 Year Test Another very effective technique I use is the 5 Year Test. 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.
Time moves faster than we all want to believe. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. 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. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. A death in the family is terrible and needs grieving. Getting fired from a job? That may be a blessing in disguise. spending time with friends or family. so we need to make the most out of our time. You will remember that in 5 years. List 2 problems that you have had in the past.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. 202 .” Do you remember your first break up? No matter how sad you were at the time. that when you look back on. or listening to good music should be enough to keep us going and to get us over daily disappointments. Now. list 2 problems that you are presently facing and put them through the 5 year test. a joke. they seem unimportant. A good meal. it probably has no bearing on your life now at all.
at the end of the day what is truly important may be the simple. dancing. I was actually a little disappointed.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea. a swim. friends over for lunch.. In a chapter entitled We Talk About The Perfect Day. "That’s it. And going home and having a wonderful sleep." Morrie replies. talking with people. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. author Mitch Albom visited a former professor. 203 . "That’s it. Tuesdays With Morrie. going out to a restaurant for supper. Morrie.how could he find perfection in such an average day?" Then I realized this was the whole point" (p. Albom asked Morrie a question: "What if you had one day perfectly healthy .Enjoy the journey In the best-selling book.175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals." he is asked.. unable to move a leg or a foot . lying there. "It was so simple. So average. After all these months. a walk in the midst of nature. unnoticed things we do all the time. Don’t overlook the obvious in your quest for the brilliant. 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.
In the process appreciate what you have and enjoy it. the people who fail find excuses for why they can’t. Think about the person who is working outside in the heat. 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.” -Brad Turk Appreciate what you have and don’t complain and make excuses. it won’t feel like work. Some people complain about going to work when they work in beautiful air conditioned offices. It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated. Think about a handicapped person who was born with a disability yet despite their struggles are making three times more money than you are because they are working smarter and harder. In other words. I think people are 204 . But I do agree that passion helps. there is always someone with less doing more than you. Don’t make excuses find solutions and make it happen. I know successful people who are making it big in things they don’t care about. better yet. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. The people who succeed find reasons why they can do something.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else.
writing one manuscript after another and firing them off to the publishers in hopes of being accepted. He hardly noticed the leaves turning colors outside his small window.” At least that’s the way I am. Day after day. Sometimes the ends do justify the means. make sure you “Go out and live!” and don’t miss the beautiful things in life today because you’re so down about your situation. Then one day he 205 . But what if your job is the last thing you feel passion for? What if you are one of those people who has to put up with an aggravating boss. he locked himself into his attic office and plugged away. You can do that. There is a story about a young man who wanted to become a famous writer. But whatever you do. My suggestion is that if you have a good job for which you don’t feel a lot of passion.and create some financial success that can free you. then look hard to find something you’re passionate about and consider a career change now. 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. be stimulated and enjoy life…. see your job as your vehicle to get you someplace else. In fact. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. 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.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. Try to create an external world outside of your business that enables you to have fun. If you can’t stand doing what you’re doing.
the man went downstairs and was amazed by the quiet that filled his whole house. Goal Achievement Exercise Z Take out your Workbook. 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.m. As he got angry when she did not bring the mail at exactly 2 p. The moral of this story is that success by any means doesn’t always “mean” success. If you are stiff and focused on a goal and have such blinders on 206 . the object is to make your life enjoyable. Again. List 5 things that you are going to do to ensure that you are enjoying your journey through life. Renew your energy. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money.” Ironically. Better luck with your novel. Walking through one room after another. in checking the mail.Lifemoney waited for his small daughter to bring up the mail. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. Don’t stop yourself from relaxing and recouping. and have moved out.. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. But it had cost him far more than he had ever imagined. the man. they were all empty of his family and furniture. Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to. found a publisher’s letter saying that his book would be published. now middle-aged.
” -Anonymous 207 . you’ve gone a long way to deciding where to spend your free time. It goes by both very fast and very slow. you are missing out. because when you’re finally done and outta here. My motto is work hard. the small everyday things are the things you’re going to miss the most. There’s plenty of time to be dead. This much I know: success without enjoying your journey through your days is pretty worthless. Take the time to smell the roses. and how to really enjoy the ride. Lifemoney Currency “Enjoy life. I want my rewards as I go along. play hard. If you’ve figured out what you’ll miss the most when you leave. As life is moving by at warp speed we ask ourselves over and over again: How can I have the best life possible? It’s not an easy question to answer. and sometimes the answers you generate for yourself are wrong.Enjoy the journey that you are letting life pass you by. Patience and Enjoying the Journey Summary Life is funny. You need to have a balance. I don’t want to miss out on life to get my reward someday in the future.
I will take time to stop and smell the roses. _____ 9. I will take a break from time to time to rejuvenate and enjoy my life. I believe my day to day efforts will have an effect in the long run. I will find something positive out of everyday. I will not take for granted what I already have. _____ 1. I will practice the 5 Year Test I will not stress over things I can’t control. _____ 2. and then tally your score. _____ 4. I will not wait until it is too late to enjoy my life.” -Brad Turk 208 . I will have urgency in my work and patience waiting for my results. _____ 8. I will break goals into pieces and patiently work on one piece at a time. giving yourself 10 points for each checkmark and 0 points for any left blank. Lifemoney Currency “Live today like it was your last day. _____ 10. _____ 5. _____ 3. _____ 6. and plan for tomorrow as if you were living forever.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 7.
101 Affirmations 209 .
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