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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....
...................................................................................8 Persistence Pays Off .......................................38 Sometimes It’s Better to Strike Out ....................................6 My Early Years ..............48 Buy Stock in Yourself ......................................................................53 Can You Dunk?.Table of Contents Introduction: Millionaire by 30............................................................11 Learning About Business........................15 This Was Only the Beginning ........................24 Overview................................................................33 You Are in Control..........6 If I can do it… .39 Don’t Be a Stranger (To Yourself)..........39 Who are you? .......................................28 WHOSE Dream Is It......................................................................................................................................................... Inc.................................................................................................52 A Fish Story ......................................................................................................................................................................................................com ...................................37 Lifemoney Lesson # 2: Knowing Yourself ...34 Defining Success Summary .................................................................................. Inc.............................17 Global Business Solutions............................... Retired by 35: What Lifemoney Means to Me.........................................................31 Goal Achievement Exercise A................................24 Want to Succeed? Sleep Late!.............................................................................................................50 Goal Achievement Exercise E .......................................................................... Not Cash) ................................................................................................................................................................................................................................Find More..............................................42 Goal Achievement Exercise C ................................... ...........................18 Heat Wave Tanning..................................................................................................................................................................................... / MyMusicSite..... Too!......... Anyway? .............................................. Inc................................ 6 Overview..................................13 Getting Focused.............................................................44 What Are Your Limitations?......................................................38 Overview........................................................................................................................................................................................................................................................................................................................56 v .....................................41 Goal Achievement Exercise B ...........27 Find the “U” in “SUCCESS” ...................... .....................................10 Knowing Myself............... 1 My Lifemoney ......................................................................9 Looking for Motivation ...................................................................................................................................................................................................................................................................................................................................................................24 Success on Your Terms ................................................................................................................................51 Make Less .................36 Millionaire’s Checklist: ............................................................46 Goal Achievement Exercise D........................................................................................................................47 Get Rid of It! ..................................................................................21 …You Can Do It............................................................................................................................................................19 Self Made Records.........................................23 Lifemoney Lesson # 1: Defining Success....32 Win Life’s Lotto (Real Wealth is Measured by Achievement.......................................................................................................................
................ 107 O..............................................................................................................................................................85 Tool #3: Efficiency ................................................61 Goal Achievement Exercise F .............................................................84 Tool #2: Time Management ................................................63 Goal Achievement Exercise G..................92 Tool #5: Do or Die Trying Commitment......................................................95 Gathering the Tools for Success Summary...................................89 Tool #4: Priorities........................................................................... 105 Maintaining Your Course ....................98 Millionaire’s Checklist: .............................................81 Tool #1: Focus .........................................................................................71 Three Huge Obstacles.....................................................................................................................................................................................................................................................................................................................................................................................................101 Overview............................... 110 Goal Achievement Exercise N.......................................................................................................................59 Step Up ..........................................................................................................................63 Timelines ................................................................................................Knowing Yourself Summary .........................................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles. 103 Goal Achievement Exercise M .....................................79 Lifemoney Lesson # 4: Gathering the Tools for Success..................... 101 Don’t forget the map! ................................81 Overview..................................................67 Nothing Can Stop Me Now…..................... 111 Evaluating Your Progress Summary ....................What If You’re Way Off Track?................................................................................ 118 vi ...................................... 100 Lifemoney Lesson # 5: Evaluating Your Progress ....81 A Successful Person’s Tool Belt ...........................................72 Goal-Setting and Overcoming Obstacles Summary.......................................................................................59 A Quick Review ............................................................................64 Goal Achievement Exercise H.............................................................................................................................................................................................................................................................60 Start by Writing a Goal....................................................................................................... 116 Can’t Get a Job? Buy the Company! .................................................................................61 Establishing Action Steps .........69 Goal Achievement Exercise J ................................................................... 101 Progress Report ...................................................79 Millionaire’s Checklist: .......................................................................................................................116 Overview..............................................57 Millionaire’s Checklist: .................................................................................................................................................................................................................................................................................................................... 115 Lifemoney Lesson # 6: Resourcefulness........................................................ 114 Millionaire’s Checklist: .... 116 MacGyver It!..........................................................................................................................................................................................88 Goal Achievement Exercise L .......................................65 Write It Down ..............................................................................................K…..........................66 Goal Achievement Exercise I .................................................................................................................................................................................70 Goal: To pilot my own airplane ..................................................................................................................................................................................................................................................................................................59 Overview......................................................................83 Goal Achievement Exercise K....................
................ 151 Turk’s 12-Step Plan for Bridge Building................................. 189 Sacrifice Summary ............ 137 Five Creativity Factors ..................................................................................................................... 165 Lifemoney Lesson # 9: Positively Thinking .................................... 174 Worst Case ................................................................................................................. 137 Millionaire’s Checklist: ................................... 149 Sharpen Your People Skills ......149 Overview.............................................................................................................................................. 149 Goal Achievement Exercise S ............. 181 Lifemoney Lesson # 10: Sacrifice ................................. 130 Resourcefulness Summary...... 173 The Key to Success? Live Out Of Your Car.................................................................. 183 Sacrificing for Success .............................Fix It .......................................... 175 Eliminate Negative Self-Talk......................................................................................... 169 Goal Achievement Exercise T ........................................... 170 Don’t Complain ............................................. 133 Goal Achievement Exercise Q........... 194 Millionaire’s Checklist: ...........................................................................................................................You’ll Find It .................... 171 Goal Achievement Exercise U............ 128 Goal Achievement Exercise P ............................................................................................................................................................................................ 175 Keep It Moving ...........................Keep Looking ....................................................................................... 135 Goal Achievement Exercise R ........................................................................................................................................................................................................................................................................................................................................................................................................ 176 Create a Repeatable Success Thought .................................................................................................................... Go into Debt and Max Out Your Credit Cards ...................................................................................................................................................................... 166 Where’s Your Head At? .................... 147 Lifemoney Lesson # 8: 12 Steps for Power with People........133 Overview.................................................................................................................................................................................................................................................................. 195 vii ......................................................................................... 132 Lifemoney Lesson # 7: Creativity ................... See It.............................. 133 A Lesson From Trump .................................Best Case......................................................................................................................... 131 Millionaire’s Checklist: ....................................... 164 Millionaire’s Checklist: .......... Do It! ................................................................................................................................................................................................................................................................................................................ 152 12 Steps for Power with People Summary ............................................................................................................................. 135 Dream It......................................................................................... 184 Goal Achievement Exercise W .............................166 Overview.................. 122 There’s No Need To Grow Up.............................. 182 Borrow............................................... 177 Goal Achievement Exercise V.............182 Overview........................... 167 Change the Mental Channel......................................................................................................................................................................................... 185 Goal Achievement Exercise X............... 166 The Multi-Millionaire Blues .......................................................................................................................... 125 Goal Achievement Exercise O............................................................................................................................................................. 178 Positively Thinking Summary ........................................................ 179 Millionaire’s Checklist: .............. 127 Find An Expert .......
............ 207 Millionaire’s Checklist: ........................................................................................................................................................................................................................................................ 198 So what should you do to be more patient? .196 Overview.............................................................................................................................................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey .................. 196 Doing Time .............................................. 206 Patience and Enjoying the Journey Summary............................................ 202 Seek Happiness in Simplicity ...................................................................................... 201 Goal Achievement Exercise Y................................................................. 196 Mañana ....................................................................................... 208 viii ..................................... 200 Enjoy the Journey....................... 202 GOAL (Go Out And Live)........................... 204 Goal Achievement Exercise Z ...................................................................................................................................................................................... 201 The 5 Year Test ................................................................................................
Money is simply a tool to help you get what you want out of life. 1 . it’s at what income. Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. Lifemoney will show you what you really need to live the life you want.Introduction: Millionaire by 30. new entrepreneurs perfectly – but can be adopted at any age.” -George Foreman Life comes first. not money. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first. 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. Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire.
I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. Part self-help. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 .One of the most unique features of Lifemoney is that it’s entirely personal. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. 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. 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.000 in quarterly bonuses. be it a million dollars. For example. a new job or just a raise or promotion in your current job. yet most people don’t use the correct tools to get what they want.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. part financial management. Imagine having the task of hammering a nail. Would you use your shoe? Would it work? Possibly. It could be $240 a week or $240. it’s the dollar figure you define. if it’s money that you’re after. it’s not the dollar figure I define as Lifemoney that’s important. If it’s career happiness you’re looking for. In this book. it’s the job that makes you happy on a daily basis or brings you closer to your goals. it’s not the job that I feel is prestigious that matters.400. a new home. part how-to.
used them for my own personal success. Whether you are looking to be the next pop star or the perfect housewife. It offers a set of tools. The exercises in the book 3 . Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . So who is Brad Turk and why am I qualified to write a book about life or money. I am living the life that I want to live. and want to share them with you. let alone both? I was a millionaire before the age of 30 and retired soon after.most of whom happen to be multimillionaires.My Lifemoney WANT. Through my interactions with many successful and famous people (some recording artists. etc.). This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. I have been fortunate enough to learn that most successful people share a lot of the same attributes. My schedule and time belong to me and I do what I want with my days. But more importantly. along with real-life examples you can use to plot your course for success. I have distilled those attributes. This book will show you what those characteristics are. My definition of success is simple: Accomplishing what you set out to do. there are common qualities. This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life. not just financial. some executives. characteristics and personality traits that you will need to get you there. Instead of concentrating solely on the financial aspects of making your first million. If you learn these lessons – and actually follow them – you can and will succeed. Lifemoney will give you a blueprint for success in all facets of life.
see what works for you and. as a result be able to adopt them to fit your needs to reach your goals and attain the success you’ve always been looking for.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. While reading Lifemoney you will become familiar with these attributes. In this book. 4 . 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. The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. 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.
Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it. list and track your progress.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. This checklist will help you quickly see if you are developing the skills that were discussed in that lesson. 5 . Sprinkled throughout the lessons are A-Z Goal Achievement Exercises that ask you to reflect on how to apply what you just read to your own life. I have created a list (that I use) of affirmations that you can also download for FREE at www. These proven tools are specifically designed to help you plot. The higher your score – the higher your Lifemoney skill level. 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. Clearly. 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. Repeat these affirmations to yourself when you need a quick boost. What’s the answer? Lifemoney.bradturk.com.bradturk.com (Code: naNtZB). Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. there is more to life than money but you just can’t live in this world without money. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement. 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.
business owner and entrepreneur. salesman.Lifemoney My Lifemoney “It’s never too early…to make your first million. entertainment field and having a 6 . If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. I’ve found the American dream and retired early. actor. rich and retired. I achieved personal and financial success through various ventures in the telecommunications industry. Through experiences as diverse as being a break dancer. Over the course of my very short professional life I’ve achieved the American dream: I’m young. tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself.” -Brad Turk Overview I want to take just a few pages to introduce myself.
I did not strike it rich in the dot.com arena or hit the lottery. Consider these lessons to be the fishing rod. teach them how to fish and they eat for the rest of their lives. These lessons can be learned by anyone. Instead. Give someone a fish and they eat for a day. boat and everything you’ll need for a life of accomplishment and success. adapting the rules of success to your personal situation. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success. 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. 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. That’s what Lifemoney is all about.My Lifemoney retail tanning salon. All the successful people I discuss throughout this book including Warren Buffett. whether it was through direct interaction with a mentor or learning from other sources. It’s not that hard really. 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. You’ll never need to go hungry again. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats. Think of the old story about giving someone a fish or teaching them how to fish. Not all of these successes share the exact same 7 . and if you’re willing to be my student for just a short time I can show you how.
I got heavily into break dancing. new friends and. She kept right on plugging away with her 3 jobs. 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. 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. 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. That’s where I first learned about work ethic. By the time I was in fifth grade. and by the way. new neighbors. It was a much nicer neighborhood. I won’t be insulted. and she was a tremendous teacher. best of all. new opportunities. When I got to junior high. There were new surroundings. In addition. I learned these lessons by reading books of successful people and from my peers. 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. Mom didn’t let it stop her. My Early Years I began life in the Pomonok public housing projects in Flushing. (Oh. You can always come back to me later). and no money. New York. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . rapping and acting. you can see the learning process I went through and how I overcame obstacles and dealt with adversity. but they usually have a lot of similarities.Lifemoney attributes. New York. though. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. my mom and I had moved to Forest Hills.
not succumb to them. as you can imagine. I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. Actually. This is when I first began to learn about the value of persistence. the only way to contact agents was to send query letters with photos and resumes. not easy. and thinking outside the box. I’ve always been a hustler. Finding an agent to represent my efforts was. a renowned child talent group. In fact. which listed talent agents. Most emphasized the boldface message “not to be called or visited. I followed directions exactly and sent my headshot along with a resume to one hundred agents. Since my working mom didn’t get home until late I would go alone by train. But the first rule of success I learned was to work around your obstacles. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. and I began going into the city (New York) for auditions to try breaking into the business. To follow my dream I had to overcome several obstacles. For starters. as well as how to contact them. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials.My Lifemoney industry. I sent the package out to the same agents two times but didn’t get one response either time. dealing with people.” The do-not-call rule was strongly enforced. I bought a reference book called The Ross Report. I decided not to sit around and wait for something to happen. Persistence Pays Off To make it in the acting field you need an agent. The first agency I visited was Schuller Talent. They represented such actors as Emanuel (Webster) Luis. Frustrated by the lack of response. a huge child actor of the time 9 .
” the agent in charge of the group that I wanted to join. the child actor from television’s Who’s the Boss? Walking through the agency’s door I met a pleasant secretary and introduced myself. I returned the following week. and signed with Schuller for representation. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. I didn’t do very well in high school. She followed me out and introduced herself as “Davina.Lifemoney and Danny Pintauro. auditioned. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. I often skipped classes. Hanging out with my friends and social activities seemed more important. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. I set out to get answers to my questions. From the corner of my eye I noticed a woman standing in the doorway. But taking the initiative. I turned to leave. Not surprisingly. I might not be where I am today. going out near the door where the other woman had been listening. After thanking the secretary. 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 continued my conversation with the secretary. As a result. Had I continued to wait for calls that never came. who was extremely nice and reassured me she would get my packet into the right hands. and when I did show up I didn’t pay much attention. and found the success I was seeking. I barely 10 . I told her I just wanted to make sure it got into the correct person’s hands. I thought that she was listening to what was going on. Looking for Motivation Unfortunately.
For these reasons. I realized that my next job was staying in. Knowing Myself In time I would become a very successful entrepreneur. Sometimes you simply have to put your nose to the grindstone and finish what you started to end up where you want to go. Although you can make a good income from acting. and was eventually inducted into the Phi Eta Sigma national honor society. I didn’t have much reason to go to college at the time – I just didn’t know what else to do! Someone in my homeroom class during senior year suggested a college she thought I could get into. I learned early on that being a struggling actor was not for me. I earned a 3. I got accepted. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted.92. I decided I didn’t want to end up stuck with no way out.My Lifemoney made it through. 11 . If I was going to “screw up” like I did in high school. After getting in. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. I applied for a double major in business and theater and. they explained. With this pressure from my parents. And. The following semester I got a 3. I had a hard time getting into college. I was looking to make a lot of money and enjoy nice things. It was a great lesson: Not all of success is flashy and easy. they didn’t want to pay for it. But he and my mother told me that they would only support me if I did well the first semester. My father had resurfaced in my life to pay for college. The only thing to be decided was how I would get where I wanted to go. Through hard work. the odds are severely stacked against huge financial success. I changed my habits and learned how to be a student.88 grade point that term. using my acting resume.
I could have put all my drive and energy into acting and reached the success my soup-loving friend enjoys today. It was a real education. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. 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. I still had some entertaining left in my system. But. for lunch one day. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. He answered. For him. I sent out many demos to try and get people interested. I asked him if he was going to order anything else. But his limited income made it clear to me that this was something I did not want to do. the music industry does not often accept unsolicited 12 . a struggling actor. I spent the last years of high school and beginning years of college working toward that goal.Lifemoney I remember meeting a good friend of mine. I knew myself and knew movie stardom wasn’t the right route at that time. When he only ordered soup. Looking back. “It’s cheap and it fills me up. the sacrifice has paid off.” I bought his lunch that day. But before I fully ventured into business. I could see the moment in that restaurant as a turning point. I wanted more of a sure thing than acting. When it came to making money. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. So I took a different route and it has paid off for me. As with my junior high acting days. 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. as with acting.
In 1991. co-sponsored by 98. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t. I knew 13 . I got a job as an intern (for no pay) working for PolyGram Records. This was pre-Eminem and not too many white people even listened to rap. My goal was to get noticed and possibly get someone interested in working with me. This is exactly how you build Lifemoney. If the artist believes a later recording is similar to his or her music. I kept working toward my goal of becoming a rap artist and trying to learn the business. I also tried to learn the business side of the industry. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. even when you’re going against the grain.7 Kiss FM in New York. a lawsuit can result. I entered the Pepsi Rap Up the Summer Contest. Although no longer in existence they were one of the premiere labels at the time. Learning About Business In addition to finding some measure of success in the entertainment side of music. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. I sent in my tape. In fact. even for free. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company. let alone were successful at it.My Lifemoney material. A key lesson I learned was that if you want to understand an industry. In this world you have to take opportunity where it comes if it will help you achieve your goals. I recognized the value of this attribute and stored it away for later. you need to work in it. It was validation that hard work could pay off. Although I didn’t win the contest. I was chosen as a semi-finalist out of 500 entrants.
The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . It’s important to understand what you are getting into before you are knee deep.” I once sent a sneaker in a box to a record label with the note.and the men and women behind the talent the producers. I figured if I sent a package. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success. For example. It worked.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. The following year I released “That’s Evil Man” on ZOO Entertainment. no one was listening to my demos and I knew to get to the powers that be I would have to get through to someone. The access I got taught me lessons I could have never learned anywhere else. It paid off. Basement Records. And always be resourceful. agents and managers. If you want to work in politics. my targets would be curious enough to open it rather than throwing it away. both the stars . volunteer for a campaign or move to DC. It was one of my earliest stabs at being resourceful. learn it from the ground up. You might find it’s not what you expected it to be. Door after door was being closed to me. BMG. a recording label.” along with my demo tape. “I just want to get my foot in the door. picked me up and got me signed to BMG for distribution. if you want to someday own a bar you should work at a few for a while to learn the business. For example my rap name was “Sneak.the talent . feel free to import ideas from wherever you can find them. If you want to learn a business. There are more important things than money in this world. But it’s all valuable. mixers. and access is one of them.
I was finally seeing a dream come true. 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. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. I was concerned that I might not make the money I was looking to make – and I thought I might be able to make it easier somewhere else. The music business seems glamorous. It was an exciting time. It didn’t stop there. But the truth is making money is hit or miss and is more often just smoke and mirrors. PolyGram Records. That’s a hard truth to see from the outside. 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. It is a difficult business to really make money. While I enjoyed working in the music industry.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. Money provides those things. actualizing my goals and watching them come to life. Eventually it went to number 27. I needed the sense of security that comes with a regular income and the knowledge that I would be able to pay the bills and live a comfortable lifestyle. which I did. In 1994. full of rich stars and power players. for more reasons than just getting airplay. But like 15 . but in reality there are very few people that make it big – and make the big money. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences.” Next Plateau. It was pretty exciting to walk into a record store and see my CD for sale and have friends call telling me they were hearing it played on the radio. You see – I already understood that making money was a priority for me – an important goal.
and could not fully understand or relate to getting life insurance for protection for other family members. I understood the insurance office management job completely. I decided to 16 . I also knew that I had fine-tuned all the systems there to do my job in half the time than I had been doing when I started working with the company. I decided to make business decisions that would bring me closer to where I wanted to be. In addition. Unfortunately. I went so far as to get licensed to sell life insurance. For one thing. After leaving college. How did I do that? I started selling real estate at night. I saw that real estate was more suited to my personal goals at the time. I was interested in sales. I could make even more money.Lifemoney most young people I didn’t understand what was going on. Not to sound conceited. the branch focused on selling long-term care and retirement planning. Becoming successful. but it was apparent that I was a tremendous asset. I took over a job for a friend as an office manager for a life insurance company. Imagine what a retiree would think about a guy that appeared to be 18 years old providing advice on retirement! Recognizing that only true passion creates true results. I decided to take my hustling a step further. And guess what? I started making more money working part-time than at my day job. Also. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. I did not find that product to be a perfect fit for me or my personality. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. The branch owner wanted to train me to sell life insurance. I figured if I spent more time on my part-time real estate job. so I pursued this opportunity. I did not have a wife or family.
When I went to my boss to resign. and there was a lot more to learn. 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. For example. the one you’re probably most interested in. I began to learn about the importance of defining success for myself. instead of just quitting I told him I could do the work in one day that I had been doing in three. my gamble worked! Eventually. at the same pay. I was doing well enough and was confident enough in real estate to do it full-time and get rid of my “day job. This would permit me to have two more days to sell real estate. But my education was just beginning. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life. I also promised him that the quality of the work would not change. He reluctantly agreed on a test basis. and I went from initially working five days a week to just one day per week. making my own way and even started knowing myself and where my real talents and desires 17 . You never know if someone will say yes or no to a question until you ask the question. You never know what people are willing to do – or what you can accomplish – until you try.My Lifemoney leverage all that. I was putting those early Lifemoney skills into play and getting the same amount of work done in three days as I had done before in five. I didn’t know it at the time but I was to go through many more experiences that taught me how to build and run successful businesses and be happy at the same time. Best of all. and I made a deal with my boss to move to a three-day-per-week schedule at the same pay. I made sure I did everything efficiently and wasted no time at all.” It was a risk to leave the security of a full-time job.
and I didn’t hit it big with the lottery. evaluating my progress. but the skills that were created in me were worth more than cash. dealing with people – especially difficult people. It was basically a mini-version of one of the larger telecom corporations. Global Business Solutions.086. It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money. I started building and using this knowledge in real estate but I really kicked it into gear when I decided to take a corporate sales job at MCI Telecommunications. Inc. sacrifice and patience.Lifemoney were. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). Rather using the attributes I list for you in this book I became successful in project after project and business after business. At MCI. I used them to create many business successes. resourcefulness and creativity. 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.07. I’d learned that when the big companies couldn’t supply a product. 18 . But I still had to learn about setting goals. I became one of the top salespeople in the nation. By my second year. like actual cash. they bought it from someone else and still sold it as theirs. Especially patience! It was a lot for a young person like me to absorb. I was not an overnight success story. I was already bringing in a six-figure salary and at the end of my third year there I earned $387.
If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done. it’s harder to tell which came first. When you’re always on the lookout for something new. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. and seeing niches before everyone else. allowing me to sell anything the big boys sold – and better – because I was smaller. Heat Wave Tanning. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. I understood that customers loved a one-stop shop. and to always be so reliable that I would always be the “go to” guy in the future. Inc. I let the customers guide my business. 19 . I eventually contracted with many providers. One of these areas was in the pre-paid calling card business. remain loyal and protect them as much as possible. Sometimes you go searching for new opportunities and other times opportunities find you. the customers would want you to do everything for them. lower to the ground and closer to the customer’s ear. I saw what the needs were and I fulfilled them. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. you or the opportunity.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers.
I saw a line outside of the place and was wondering what they were giving away. So I kept the business for two years. After more research (and imagining that operating that type of business would be fun). I told myself: it stretches us. This was a different venture from my previous forays in the world of small business. But I felt I was ready for that.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. and might one day do again. The tanning business was a big change for me. It was like having a puppy at home: you never felt comfortable being far away for very long. I decided to open my own tanning salon. and I decided that I didn’t want that kind of responsibility. which was a huge plus for me. The tanning business though was more hands-on. building the place from scratch. But I was discovering that retail businesses require a lot of time and attention. I could manage most of it via remote control. It is definitely a great business that I would highly recommend. Better yet the business seemed as if it could run itself. It was exciting. maintaining equipment. and managing customer issues just didn’t do it for me. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. grows us. Besides. Change is good. 20 . managing ten employees. and Heat Wave Tanning was really a great business and a great opportunity in my life. and prepares us for the future. A telecom business like GBS was more “virtual” than brick and mortar. I researched the business and found out that it was a very low maintenance business and pretty profitable. made my money and then I sold it. That is true. It turns out that people just were going in there to catch a tan.
In 2007. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. Self Made Records. I am doing what I love. looking to blend business with pleasure. although I brag about being retired. with little to no risk and helping others all at the same time. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. It was a lot of work but it has been gratifying beyond words. Inc. Now I was a successful entrepreneur. friends and family while providing a marketing platform for them to make their dreams come true. Inc. / MyMusicSite. no limits and 21 . I will be selling and promoting online music downloads and cell phone ringtones for independent artists. And I love it! Why? Because I’m sailing my own ship with no boss. I will make independent artist’s music easily available to their fans. I signed some artists to my label and I am currently marketing and promoting them. and My Music Site. But I can afford to do this because I love it. That makes me happier than I can possibly describe to you. I am now in the process of coding and developing mymusicsite.com Sometimes success comes full circle. I am sometimes surprised by all that I have accomplished in such a short time. For Self Made Records. I have been launching companies left and right. Later I was a college graduate looking to intern for a major hip-hop record label. but on my terms. in reality I’m busier than ever.com. 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.My Lifemoney Self Made Records.com are both my hobby and business. set to launch in the fourth quarter. 2007. Inc. And what’s best is that I can afford to be patient.
Meeting ExpressO will provide full access to conference rooms which include internet. break dancing on street corners and hustling for business opportunities.com (www. Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. We will make independent artist’s music easily available to their fans. In addition to being its creator. and business services. friends and family.tellbrad. In addition to that business. and snack items. I am also providing a marketing platform for these artists who want to make their dreams come true. I will 22 . In addition. These services will be available to groups as well as individuals that need a place to work between meetings or just to kill some time. I will be selling and promoting online music downloads and cell phone ringtones for independent artists.Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old.com (www. I just launched TellBrad. specialty beverages. phone. Lastly. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating.mymusicsite.com) and is a retail conference location /coffee shop.com).com).meetingexpresso. 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. satellite television. I am also in development on another site called MyMusicSite. The business is called Meeting ExpressO (www.
adapt the principles described in each of the upcoming lessons. Learn who you are and what you want.)” -Brad Turk You can do it too! 23 . I’ll tell you how you can do it too! While my story is different from yours and from that of other people. I will show you how to understand and learn a unique set of attributes you need to become successful. Too! I began this lesson by declaring “If I can do it…” without finishing the statement. invest your profits and. go by some oranges! (Orange juice outsells lemonade by 10 to 1. Lifemoney provides you with the tools you’ll need to reach your own unique potential. That’s why I’ve written this book. Work on the activities. Instead of sitting around thinking about what you want. Lifemoney Currency “When life hands you lemons… make lemonade. when they mature. Now. And go for it! No excuses. Stayed tuned and look for my name in the credits! …You Can Do It.My Lifemoney also receive co executive credit and be involved with development of the project. Keep score of your successes and failures. I have found the common denominator for success. sell it on the corner.
These are the stories of two friends of mine – John and Steve . is in no danger of cracking it anytime soon.and though totally different from one another they illustrate what I mean by defining your own success. as far as I know. pure and simple. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you. In this lesson I want to show you the importance of deciding for yourself what success means to you. Still. My first friend. Success is never a game of chance and begins with clearly deciding what you are going to make happen.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. has never cracked the seven figure mark and. two very different types of success stories. John. some might consider him rich 24 .
He has a beautiful boat. he also said he was happy with his job. he just took it as a joke. He needs nothing else to fulfill his dreams. Most days he didn’t have to go into work early and he got to sleep late. lives with his parents. knows what success means to him. John told me that he was really happy with his life. All of my other friends make fun of him. From a professional perspective. I have to confess that I kind of agreed with them. I have another friend. Then one day we were talking and John really opened my mind to something. he is successful. several sports cars and a very 25 . who on the surface would probably look extremely successful to outsiders looking in.Defining Success beyond compare because he knows himself and.and shouldn’t . has no ambition and is going nowhere. He told me that every night that he goes to bed. John. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. It didn’t bother him what everyone was saying about him. He is truly happy with how his life turned out. he helped them out a lot and felt that his support was needed around the house. 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. They think that he is not responsible. While talking about the future. He did it his way. He told me he was still living with his parents because he liked living with them. he has a big smile on his face. To me.push your idea of success on anyone. Steve. just as important. He made enough money to live on his own if he wanted to. You can’t . who is over 30 years old. John’s parents also enjoyed him being there. he found his own success and it works for him.
He also has to work harder than anyone I know. not from without. My definition of success comes from within. Why? Because they both hit their mark. Steve thrives on the adrenaline of living on the edge. He is always making maneuvers to try and maintain his possessions. Have you decided what your mark is? 26 . he is in a world of hurt. Once you define what you want and know what will make you happy. just so he can try to keep up with payments so that he does not default on anything. Being that I know this friend well. you have completed Lifemoney Lesson # 1. 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. Most everything is owned by the bank and it seems every time I talk to him. These men are both successes.Lifemoney nice house. Some people thrive in that kind of stressful environment. he canceled the invite because he was actually selling one of the cars. He is actually so far in debt that he does not really own anything he has. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. This is success for him. He is always stressed and always in fear of losing something. Before the weekend came. I remember one weekend he invited me to go to the track with him to “play” with his cars. Does this sound like success to you? It might. The truth is that Steve lives way beyond his means. 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.
we are on a journey without a map. our definition of success will be individual and unique. We have no control over our path and our lives can become haphazard. What works for some doesn’t work for others and what works for me might not work for you. But becoming – and staying – successful can be tricky. It becomes yours. They subscribe to magazines they never read. strategy or plan they stick to in order to reach their ultimate goals. 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. If we don’t define success for ourselves. Success takes personal planning and some work. Why do they do this? They bounce around because they’re not prepared to 27 . get more and be more. we all want more out of life. With the exception of my friend John who I just mentioned.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. No matter your net worth or social standing we want to do more. fad to fad not really knowing what they want and drifting with the flow. you own it. They go from idea to idea. For the most part. trend to trend. you’ve taken the first step to taking your life back. I think this is important because I see so many people who spend their lives wandering. They start up home improvement projects and don’t finish. most people are still on their quest for success. most successful people (whether consciously or not) have a system. Although some people get lucky in attaining success. Like fingerprints. There’s simply no future in succeeding for anyone other than you. Success means different things to different people. They buy gym memberships and never use it. When you define success and what it really means to YOU.
They live undefined lives. 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. See beyond money and its trappings. You should live your own life and live up to your own expectations. for you.” Plant your own personal seed for success and watch it grow. By starting your journey with a firm grasp of your meaning for success. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. and those are the only things I really care about it. What is it you really want? What.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now. author of Riches Within Your Reach: The Law of the Higher Potential once wrote. you will be fully able to reap all the benefits that await you. Desire is the planting of your seed. look past that next job promotion or future company you plan to build. As Robert Collier. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. “The first principle of success is desire – knowing what you want. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 .Lifemoney take full action. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily.” .
Defining Success “All I want is to have people around who love me. Let’s take. She has spent her whole life making sure her grades were in order to some day get into a good medical school. This is a man who could do anything and have anything and is content to sit home and watch a ball game. With all of Buffet’s billions he has always led a simple life. He is doing what makes him happy. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars). He does not really have any extravagant items like a fancy race car. but successful people have taken the time to really think about their definition of success. billionaire Warren Buffet. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. a 22-year-old student who has just received her acceptance letter into the medical school of her choice. She sacrificed many nights of going out with her friends and having fun in order to spend more time studying. He has lived in the same house that he purchased for $31. 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. yacht or even a boat. What would make you happy? We all define success differently. She’s successful! 29 .500 over 48 years ago. for example.” It works for the second richest man in the world. 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’s been a total success. I call that success on their terms. Months of preparation and training pay off for this guy’s single-minded determination. Each of these people has achieved success. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community.Lifemoney A 39-year-old business executive runs his first marathon. Then there is the couple that. That man is a happier husband. they have not missed out on anything they’ve wanted. upon marrying. While avoiding expenses like costly entertainment or expensive vacations. And so now I’ll ask you: Are you ready and willing to take a little bit of time and plan to live your life on your terms? 30 . Sounds like success to me. father. The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. have resulted in two stable children with above-average grades and well-adjusted social skills. along with nutritional meals and emotional support. While his finishing time does not win any medals. Although he and his wife share a modest home. his self-esteem and confidence increase beyond measure. Living off just the husband’s income has not been easy. they have been able to stash enough away to enjoy an early retirement and see the world. and employee – or future CEO – because of this personal accomplishment. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off. agreed the wife should give up her job when the children came along to provide a stable home life for all.
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. Even though everyone usually has a different idea of what success means to them. you’ll be finding out why it is so important to Know Yourself. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. So let’s figure out how you define success. it is possible to be a successful lawyer without feeling like a successful person. As you see in this example.Defining Success WHOSE Dream Is It. love what you do. in Lifemoney Lesson #2. If your parents are pushing you to become a lawyer. if you’re planning on using the family garage to mass-produce your new video game or DVD) the success of your vision ultimately depends on one person and one person only – YOU. That’s why it is important to understand your priorities clearly. you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. It really isn’t what you have or who you are that makes you happy or unhappy. I believe the common denominator in true success is happiness. Over time. While it’s a good idea to talk to your family and others who may be impacted (say. what they all really want is personal happiness. you might become bitter or resentful. It is how you view your situation that makes all the difference.Jeff Mallett 31 . Lifemoney Currency “Do what you love. That’s why.” . Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. you can begin to set goals on the road to success.
What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. Then start writing about your views on success. etc.com. but more importantly. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. set a timer for five minutes. I am going to ask you to open this document on a regular basis throughout this book. asking yourself questions like these. and edit if necessary to make them readable and clear. 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. or download a copy of the Workbook with all the exercises from my website – www. the hallmarks of success—money. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you.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. Explain. Once you have this in place. time. read over your ideas. so make it handy and easy to access. in your opinion. 32 . open a document on your computer. skills. You can use a three-ring binder.bradturk.
• In 1988. Says the man who. they’ll tell you: • Evelyn Adams. too.” 33 . It was totally a nightmare. at gambling venues. But you just did. Everybody had their hand out. I’d be so happy” or “Everything in my life could be fixed with some cash. Having come from a “no money” background.” Her hand was out. “Everybody wanted my money. Her total take was $5.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. you might find you are still unhappy. I know many people with little or no money. Ask the following people. in 1985 and 1986. Not Cash) Congratulations! You’ve taken a huge step. won the New Jersey lottery twice. We all do. Money in itself does not equal success. after declaring bankruptcy. What does she have to show for it now? Zippo. If you were handed everything you wanted without working for it. She lives in a trailer and recounts that. Most people just never make the move to define what they want and where they’re going.” These beliefs about money are all wrong. It’s amazing how some people perceive money as the answer to all their problems.2 million in the Pennsylvania lottery. now lives on Social Security and food stamps: “I wish it never happened.4 million. William “Bud” Post won $16. Welcome aboard a new life. “If I only had money. Completing this exercise brings up a point I think worth exploring. something of a statistical freak.
You Are in Control Success belongs to those who are clear about what it means to them. it’s that amazing feeling you get after finishing a job well done. 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. And satisfaction is more than being content. and the ultimate triumph of accomplishing a mission. To enjoy success you need to earn it. I know you’re probably saying “Yeaaa. That’s why Lifemoney is an internal feeling. that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily.the fruits of someone else’s labors . She shared her wealth with many charitable organizations.you miss the excitement. And accomplishing your dreams – your success on your own is very important. That is true success – at least by my definition.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993. Understand that a lot of the enjoyment of meeting your goals is in the feeling of accomplishment and satisfaction that comes with hard work and success. but before a decade had passed. and without effort are not actually participating in the creation of their own personal happiness. they’re about satisfaction. Goals are not just about achievement. It seems to be a rule of life that if you have good things handed to you . the challenge. she had filed for bankruptcy and had just $700 in the bank. Here are several keys to keep in mind: 34 . There is no amount of money in the world that can recreate that feeling of accomplishment.
and another. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. and that might not have been easy. You are here – we are here. It may take months. it’s also worth doing despite the odds of failure and cost of success. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. Anything worth doing is worth doing well.Defining Success 1. Success is not a game of chance. Now all you have to do is take another step. 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. Most likely it will be bumpy. Publisher’s Clearing House might stop by your house with that big check and. Don’t put your trust in success just showing up. 35 . but your dreams are out there. 3. even if the voyage looks choppy. until the value of moving is higher than the cost of those inevitable obstacles. Chart a course for paradise. or it could take decades. And remember that it’s important to enjoy this journey so keep an eye on the finish line. but don’t forget to enjoy the sites along the way. The power to change is your own. it resides in you. that would be incredible. together – because you made a conscious choice to pick up a book called Lifemoney. waiting for you to come and claim them. When you lay blame or make excuses. Others have influence over you and affect you. Stop looking outside yourself or to others to explain your failures. you willingly give your power away. but they do not own your ideas or lay claim to your dreams. You’ve already taken the first step. sure.
Success must happen YOUR way. on YOUR terms for YOU to be truly happy. Lifemoney Currency “Your time is limited. All right. there will always be a nagging feeling that something is missing. you’ll always regret not doing it for yourself. trust me. Don’t feel bad at all if you’re still a little unclear about what success should mean for you.” -Steve Jobs 36 . your old friends from school. success must mean something to you if you are ever to truly achieve it. It will become clearer the more you focus and keep your mind open. If you do it out of ego or pride or greed. something WILL be missing. Whoever you’re trying to keep up with – the Joneses. Lifemoney Lesson #2. Let’s go there right now.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. If you do it for the money. That’s totally normal. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. so don’t waste it living someone else’s life. If you let others define success for you. your neighbors – forget it.
_____ 2. _____ 8. I will define success for myself. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. The expectations that matter most are mine. _____ 10. I spend time learning what it will take to be successful in what I love. _____ 6. I hope they enjoy it because you probably won’t. I am winning life’s lottery. and then tally your score. _____ 4. I will look beyond money to find happiness. Lifemoney Currency “If you live for someone else. I am in control.” -Brad Turk 37 . I will always seek to lead my own life. _____ 5.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. I am seeking my own personal growth and happiness. _____ 9. I will decide for myself what occupation excites me. _____ 7. My life is mine and I’m excited to develop it on my terms. _____ 3.
you will build on the first lesson of this book.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself. In my mind.” by exploring who you were to determine who you are and clarify who you want to become.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success. but it always starts with YOU. great moves. In Lifemoney Lesson # 2. 38 . I expect to make great plays. “Defining Success. It’s a journey that may veer off in a thousand different directions before finally coming to fruition. 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.
someone’s parent. Maybe you’re carrying around a little extra baggage as a high school dropout. But all of these titles – husband. a computer whiz.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. 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 son or daughter. lawyer. you need to know who you are. 39 . Before you know where you’re going. unemployed worker. father. but not without a period of introspection first. He stuck with the decision. 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. 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. unsure or even unwilling to concentrate on what we might be great at? Often the difference between being good and being great is making adjustments that allow you to spend more of your time developing your greatest strengths. a basketball pro. not a popularity contest. a student. Who are you? Who are you? That probably depends on who you ask. He took a lot of heat for his decision because he was a GOOD pitcher. a company executive. But life success is a self-test. This is valuable advice for many of us. one of baseball’s legendary home run hitters. or a musical genius. they don’t define you. right? You might be a wife or husband. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. How many of us hover around the comfort zone of what we’re good at. son. banker – merely describe you. because he knew he had the ability to be a GREAT batter.
Maybe he or she is a little older. Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. and hopefully a little wiser. 40 .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. you can still find the path to your personal success if you’re willing to look for it. and live happily ever after. you find that those dreams never materialized. wherever you’ve been. let me help you rediscover that person again. Then. the goals appear too distant to reach anymore. But now. Whoever you are. you got sidetracked into making a living and getting by. have kids. If you are just starting off on your voyage to success and don’t know where to begin. Or maybe you were hoping to get married. looking back. knew you were capable of attaining. instead of building the future you always wanted and. but ready to gear up for the adventure that lies ahead. more importantly. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. whatever you’ve done. day to day. start here. Instead. when you take a moment to catch your breath and see where you are. 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. Life has a way of sidetracking us from our goals to deal with day to day living. and maybe not even worth the effort after all.
In his case.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. He was a very successful physician with five private sports clinics. His patients and his workers loved him and he was loaded. Twelve months later he was happier than ever. the time I spend with family and friends. and over the next year phased out four of his five clinics. they’re shifting. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. or someone else was going to wind up dead!) He drove straight to his accountant’s office. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. 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. (Either that. Why? Because he was finally keeping up with himself. or maybe just busy work. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself. If you don’t know what will make you happy. restructured his organization. Lifemoney Currency “I’m starting to judge success by the time I have for myself. successful. My priorities aren’t amending. how can you ever hope to achieve. literally. It is not. not the Joneses. What is success if you don’t know who you are inside. less really was more. This nice. but he was slowly driving himself insane.” -Brendan Fraser 41 .
define a recent accomplishment by personal attributes: 1.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. “I made a wise career move by getting a better job. For example. • • • • • “I earned a college degree. 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 . list your personality or character strengths.” 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. Under each. In looking back on your past. these might include honors. certificates. Make a list of your top four or five achievements. reflect on the things that worked in your favor. and/or specific steps you took while completing these accomplishments. Even if you didn’t consciously use these qualities back then. recognition.
You may even recognize the type of goals that attract you. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. you will get a better idea of who you really are down deep. Let’s say for instance that when comparing the events above words like “organization. while others could relate more to mental functions. What might that say about you? Using this exercise to get a sense of your approach to important life goals will help you understand where your strengths lie and what makes you happy. some may be more physically oriented. As you think about the things you’ve done that you have enjoyed and made you feel good. 43 .Knowing Yourself 3. you: • • • • • Dated selectively Looked in the right places Studied my partner’s character before getting serious Worked on my weaknesses Got pre-marital counseling “I found an amazing partner and have a stable marriage. like sports competitions. You’ll begin to see how that person might emerge in the next stage of life. Look for patterns forming. Some people excel at social endeavors like arranging parties or special events. like academic work.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. and so on.” and “selective” came up in one form or another with each of the three achievements.” “thorough.
If you do. Write down the characteristics that you’ve often heard people mention to or about you.Lifemoney The world is full of born-again success stories. you are on your way to getting there. Your list could look something like this: 44 .” 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. Goal Achievement Exercise C You might be wondering if I’m going to ask you to take your Workbook out every two pages. Maybe your mom has always said you are hard working. not in a religious way. but in the renewal of spirit. 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. You’ve just done an assessment of the qualities you see in yourself and that you find positive. I would like you to make a list of the qualities others have noticed in you. So take this time to remember or remind yourself of what you want out of life. And maybe your list reveals a part of you that loves physical activities and accomplishments. You could be someone who inspires others when they go through hard times. That means laying the mental framework now for the physical action you will be taking later. passion and effort. enthusiasm. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. 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. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors.
You need to keep this in mind as you plan your goals and how you will reach them.Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. Now you have an even better idea of how to play to your strengths as you set up goals for the future. you’ll probably find that you are drawn to things you think are fun. It’s our job.” -Derek Jeter 45 . but I don’t think you can do well unless you’re having fun. we’re playing a game. Since most of us do a better job with activities we enjoy. Things that are fun for us are those that match with the ability to use these character traits. you will be able to confirm the qualities you see in yourself with those others have witnessed in you. Lifemoney Currency “You gotta have fun. Regardless of how you look at it. This makes it that much easier to achieve your goals. It’s business.
and then do a half-hearted job when you get around to them. you can get into some real trouble.Lifemoney What Are Your Limitations? Let’s be honest. As long as you keep fooling yourself. You put things off. The machinery isn’t working right. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. My mom’s cat died and I had to bury it. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good. Everyone has flaws! But successful people understand the value of admitting to a weakness. right? I do. I have a saying: denial does not change reality. and moving on. But all the while. working around it or improving it. It’s part of being human. As soon as you say. You do. “I don’t have any major flaws. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 .” you’re finished. I got the materials (or information) late. you will never be able to deal with the issues that are holding you back from success. Everyone has weaknesses. Maybe you have a lazy streak (sometimes I do). I didn’t know what I was supposed to do. But if you don’t admit to those limitations.
These could include personality drawbacks. Now write down a few of your weak areas.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. You also can add things about your character that could benefit from improvement. But if you’re late to the interview. like shyness or arrogance. you can have the best intentions in the world when interviewing for a new job. like being able to say “no” when you don’t want to do something. or not taking shortcuts on a project. Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait. you will have a better idea of how “expensive” these traits can be in the way they keep you from meeting goals. what good is all that positive self-talk? 47 . 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. 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. For instance.
Don’t blame the weather for being late. Don’t blame the economy for low profits. Knowledge. that’s just me being me. they blame themselves 4. But remember that people like Donald Trump. they: 1. Derek Jeter. Of course. Take stock of their weaknesses and work hard to improve them 2.Lifemoney Successful people don’t write off damaging personal traits as “oh well. they blame themselves 5. They did what it took to climb the mountain of their success. Always assume personal accountability. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. and their efforts paid off. And action means work. is useless if you don’t act upon it. 48 . for their actions. for their inactions.” Instead. for their strengths 3. for their weaknesses. You may want to start working on these weaknesses one at a time until you start seeing better results. Don’t blame the product for being inferior. the minute you start passing the buck. so take action. it’s easy to throw in yet another excuse about finding the time to make these changes. for their triumphs. for their failures. they blame themselves In other words. especially self knowledge. and Russell Simmons didn’t earn their millions by making excuses. There are so many things you can do. Eat breakfast on the way and tie your tie in the parking lot. 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. get rid of it. Bill Gates.
Another example was a short lived photo search engine called Riya.” but it didn’t work. Google created an early version of Google toolbar with all kinds of great features. 49 .com. Though it was a full blown failure. they viewed the results as useful information. If you’re good with numbers. the lessons learned provided the originators with priceless information which allowed them to create Like. So rather than dubbing the whole project a failure. They decided to view “failures” as information sources for building new things. one of the most successful photo search engines on the web. Or it didn’t last. Many people have failed at that. What matters is that you freely explore any path you wish until you find the one you are destined to travel. you can find a path—or blaze a trail—that will lead to your personal happiness. For example. Maybe you’ll take a route that no one in your family or neighborhood has tried before. 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. Maybe you’ve already tried success “your way. then do the work it takes to eliminate weaknesses and build on your strengths. They treat everything they try as an experiment. But within weeks they discovered that their great inventions were totally useless. On the other hand. Then be fearless about taking it. Or then again you might end up on the exact same path your grandfather took a century ago. then choose something that includes some type of numbers work like accounting or investments. if you like words and books choose a different road to your success such as writing or communications. Using mistakes as useful information is the way many large companies are innovating.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. Whatever your interests and skills.
forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. a publishing house. an Internet operation.. Disney was to fantasy what J. As Walt himself recalls. Walter Elias Disney. I’ve been trusted to take the game’s winning shot and missed. and they don’t let lack of money or support stop them. Consider one the top 50 business influencers of the 20th century. But they know enough about themselves to know what makes them passionate and hungry. “It all started with a mouse. Disney founded a $20-billion media conglomerate that includes a TV network. And that is why I succeed. 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.” Just think of that for a second. France. Theme parks with the Disney name are located in the U. Twenty-six times. and a worldwide store chain. and Japan. It’s easy 50 .P. Many successes start right where you are: not knowing themselves very well and beyond broke.S. I’ve failed over and over and over again in my life. Starting with a little mouse. a film studio. Morgan was to finance. I’ve lost almost 300 games.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career.
never tell yourself that you can’t do something because it’s never been done before. finding a life partner. Through rejection and derision. who are you? What is your driving passion? What is the secret obsession that defines you? Whether it is a mouse or music style or menu item or men’s fashion. Two. such as getting in great physical shape. Goal Achievement Exercise E Take out your Workbook. Now. list the qualities that you think you would need to achieve them. 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. The reason for this exercise is to begin the process matching your abilities to some of the things you want. He stuck to his singular vision of himself and is now revered as nothing short of a genius. but what if it’s never been done before? That’s the dilemma Walt faced. But more importantly. Under each thought you write. failure and distraction along the way. Remind yourself of the unique skills you bring to the process. 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. So let me ask you again. landing your dream job. or building financial security. it will help you understand if you are looking for success in the wrong places by objectively 51 . Stay centered on who you are and the goals you want to achieve. This is done for two reasons. never let the world tell you that you can’t do something just because it’s never been done before. Walt Disney held firm to what he knew.Knowing Yourself to imagine success when it’s already been done before. One.
because he knew he couldn’t be happy doing anything else. if you want to make a million dollars. it might not be what you expected. Make Less . you must understand why you feel a million dollars will equate to happiness. Know yourself and double check your motivations for success. because when you get it.Find More As you learned in Lifemoney Lesson #1.Lifemoney highlighting what’s required for success. and comparing those qualities with what you deeply desire to develop within yourself. down cold. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles. Why? Turns out he had Lifemoney Lesson # 2. In other words. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. adoring women. knowing yourself and being true to yourself makes you successful. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. Understand that fortune and fame doesn’t equate to success. screaming fans. the Hollywood Dream – and he left it all behind to risk his life and fight fires. Here was a guy who seemingly had it all – loads of money. As an example. be careful what you wish for. For example. making a million dollars doesn’t necessarily mean you will be happy. Knowing Yourself. wouldn’t you almost kill for a chance to be a big Hollywood success? And what are the chances that you’d walk away from your success at the very pinnacle? That’s what happened to former TV heartthrob and star of the hit TV series “90210” James Walters. What remains important is that you feel successful at every step of 52 .
obstacles and roadside attractions along the way is taking away from true success. So many of us set conditions for our happiness. but that he only went out to fish a few hours each day. or “I’ll be happy when I get that recording contract” or book deal or acting job or new promotion or partnership. progress at any price should be more than most of us are willing to pay. The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege. While there. Although success is a worthwhile goal.” you’re in the conditional happiness trap. and enjoy. Ask yourself this: What happens until then? Truly successful people make peace with.Knowing Yourself the process. the two men took the boat out on the seas. the executive was impressed with Fisherman Joe’s skill and 53 . and that to skip the rest stops.. not a destination. The businessman had no problem going out for just a few hours while his own wife visited the spa. See how that works? If you say “I’ll be happy when…. While waiting for the fish to bite. detours. Fisherman Joe told the executive that it would be a pleasure. today. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water. and that most of his day was spent with his wife and children. A Fish Story Here’s a story to illustrate the point: A very wealthy business executive was on vacation with his wife in Hawaii. like “I’ll be happy when I make my first million. where they are right now. The next day. They recognize that success is a journey. The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide. he asked the locals if there was a fishing boat that went out daily.
Just a couple of hours a day supplies all my needs.A. “After so many years. truly amazed. Joe knew that being in L. The prosperous businessman.” The shrewd executive knew a good thing when he saw it. would aid his partner’s goal of taking their company public. asking if he could cash out his shares and return to Hawaii. “I sell most of ‘em. who had reached his goals. for the man seemed unusually humble. as though he was unaware of the value of his skills. After five grueling years. I know their habits. and then working a fleet. Working day and night was more than he had expected.” Joe replied. and remove himself from the enjoyable part of his business—fishing—he did it anyway. The business life was not satisfying.Lifemoney ability to find the best spots to reel in a terrific catch for the day. “How do you get so many in so short a time?” the businessman asked.” “What do you do with them all?” the business man asked. The two men moved the business headquarters to Los Angeles. Soon business was booming. 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.A. had no problem and 54 . But Joe was now worn out. He spoke to his partner. Joe decided he could not take this life anymore. “and take home what’s leftover for dinner. Finally. and did not really enjoy what he was doing. they finally went public. Fisherman Joe went from working full-time on his boat to getting three boats. After a slight hesitation. Joe agreed. Although Joe was reluctant to leave his comfortable home and family while working in L. Joe shrugged. “How would you like to go into business with me.
“I’ll get a small fishing boat. and many might have found it fulfilling. and he ended up doing exactly the same thing. it is. He already knew what success looked like to him. but he ventured away from it for more money.” the interviewer commented. The interviewer was amazed by Joe’s journey and the story behind his success. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams. what are you going to do?” Joe replied that. Before Joe left. his journey brought him right back to square one. He started by taking a small fishing boat out for a few hours a day before returning to spend the rest of his time with his family.” The moral of the story isn’t that we should not try hard or set high goals. so I can fish a few hours a day.A. the entire experience had been a detour from Joe’s own sense of success. Two very different men viewed the exact same experience in two very different ways. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success. “From fishing a few hours a day to a multi millionaire. But Joe found it a waste of five good years of his life. and then I am going to spend the rest of my time with my family. In the end. Both of them found success in completely opposite directions! 55 .Knowing Yourself wished Fisherman Joe well. “Yes. It’s that you should know what you want out of life.” Joe replied thoughtfully. The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. a popular magazine interviewed him.. that’s quite a journey. This journey was quite productive.
being true to yourself and finding your happiness makes you successful. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. No one knows better than you where you feel confident versus where you feel unsure of yourself. you may find your work unrewarding. unchallenging and even difficult. who not only played professionally. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. Certain occupations will be a better fit for you than others. If you don’t know where your talents lie or still don’t know what you feel you would be good at. -Brad Turk 56 .Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. go for it. just understand the obstacles that you are going to face. and if you work in a field that doesn’t match your natural abilities. Lifemoney Currency Understand that fortune and fame don’t equate to success. Assessment testing can also help find your natural strengths. and effort to reach something that is much harder to attain. Do you have that drive? If so. take an aptitude test. These assessments are available all over the internet or by looking in the Yellow Pages. Aptitude tests can provide some insight into your talents and abilities. Sometimes it will take that much more work. They can measure your characteristics and ability to acquire additional skills. Is that a realistic goal for you? It was for Spud Webb. A local community college may also offer these assessments free of charge. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. time. But he is the exception to the rule.
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
It’s time to write some goals right now. Nobody. For this exercise.or the opinions of others . For instance: • Goal: Starting up a home-based travel agency 61 . when accomplished. Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal. would make you a happier person. 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). And they don’t allow $2 tokens . Kanye West vs. Once they decide on that goal. make a list of your top 3 goals that.Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. Mr. 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. That’s because he had more daydreams than plans. His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. For two full days this artist could not come up with the resources for even a $2 token to get there. Goal Achievement Exercise F Take out your Workbook. obstacles became simply inconveniences to be overcome.to side track their journey. 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. Every successful person I know has clear goals they’re reaching for.
Those people are not smarter. The problem with dreams is that we’ve dreamt them for so long. that’s natural. They happen every day. or better than you. Now is your time. they simply learned these lessons a little sooner and applied them a little earlier. Dreams are real and they do come true if you follow this path. stronger. get started! 62 .even thousands of people who have applied action and planning to make their dreams real.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. it’s often hard to see them as real. Relax. or read a book and you’ll see hundreds . Just watch television. listen to the radio.
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.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. What bridges that gap? Action steps. Order a separate phone line from the telephone company iv. Find out construction costs for renovation ii. Understand the testing process (where given. We all know that goals just don’t happen. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal. Let’s set up an action plan for your goals right now. break the list down into three or four action steps you would need to take in order to reach that objective. timeframes. etc. Schedule exam • Build out basement to accommodate office i. Goal Achievement Exercise G Take out your Workbook. An action plan is just a series of steps you plan out ahead of time to take systematic action. Start looking into office furniture and equipment iii. Clear space for new furniture 63 .) iii. Prepare for exam iv. Research classes that offer test preparation for agent exam ii. Below each. 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.
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 . Now you’ve written goals and some action steps that lead to the goals. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable. but they also add urgency to their goals by making themselves accountable to deadlines. Successful people know that there are few assets as valuable as time. but without a schedule to start with you’ll never know if you’re slipping.Lifemoney • Raise and save enough money for expenses and salary cushion i. Sure. So not only do they spend a lot of time managing their time. objectives and action steps. Start putting away money weekly toward travel agency iv. Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. Let’s say you want to own your house debt free within ten years. Figure out a budget of what the business will cost ii. Figure out what amounts of money will be needed to live off of while building the business iii. deadlines slip sometimes and you have to readjust your schedule.
rushing into it is more dangerous than not starting it at all. many people leave this step out and things just never get done. they are guides. be VERY realistic about your timeline. This is an easy step to take. Beside each of the objectives and action steps. With a large goal like opening a new business. As a result. give yourself six months. they identify action steps. Go back to the list of goals. and that gets your heart rate back within normal ranges and allows you to actually sleep at night. but the timeline isn’t given the circumstances. you should set reasonable deadlines and do everything you can to meet them. and action steps. Successful people set goals and objectives. Let’s actually do it now. give yourself a year. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. and then they set times and dates when things will be completed. objectives. jot down a date for reaching them. Unfortunately. For instance if you want to start your own bakery.Overcoming Obstacles realize that this goal does not have a reasonable timeline. Timelines do not mean deadlines. objectives and action steps. not written in stone. but it’s also easy not to take. The goal is still reasonable. You must schedule your goals. but for the most part. Goal Achievement Exercise H Take out your Workbook. If you need a year. 65 . You’ll need to adjust. many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. Schedule changes or circumstances may require adjusting a date now and then.
After he said he was going to take care of one of the items that I did not want to do. he knew how to compensate for his flaw and it practically never affected his work or his success. His solution was to write everything down. Write It Down Words are priceless.” 66 . I remember one day we were going over items that needed to be taken care of and we were dividing them up between us. Anything of importance that needed to be followed up on was immediately put in his Palm Pilot (that was/is his tracking and “things to do” vehicle). I told him. I stopped and paused. Like most successful people. I learned early on a major flaw that he had that amazed me. The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline. most talented and gifted people I know. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. “I’m waiting for you to write that last item down. Never underestimate the influence of actually seeing your goals written out and in front of you every day. Written words are also great for organization and focus.Lifemoney If you keep on falling behind and have to reset your dates. About 30 seconds of silence went by and he asked me why I became quiet. I actually had a business partner who is one of the smartest. you might have to adjust your action steps or your due-dates to make them more reasonable. He probably had the one of the worst memories I have ever seen.
“To do” list which you will reference daily. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. moving you closer to achieving your goal. 67 . reserve a block of time to do what needs to get done. Here are a few tips for using your daily “To Do” list: 1. realistic. Keep it in the notebook you have been using or in a calendar program that you can keep handy. and plan specific. You may not get everything you had planned done in a given day. you may need to break down the week by hours to make sure you are managing your time properly at first. You should get the boring. you may be able to do more things in a day. committed.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them. set deadlines.” -Les Brown Goal Achievement Exercise I Make a daily written. even if unpleasant. Set aside some time each morning to review your list and begin working on the listed tasks. Every day you should be aware of all your goals and the steps needed to attain them. over time. and anxiety producing things out of the way when you have more time. and visualized steps. tasks first. measurable. Do the important. but you will make progress and. annoying. Depending on how organized you are. For goal setting you will need to prioritize tasks.
-Brad Turk 68 . do what works for you. Although I suggest technology. I don’t recommend this method. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up. I will do things like leaving a basketball by my front door. Learn how to use technology. 4. Computer programs and electronic organizers can save you a lot of time over manual lists. your PDA or phone alarm as a reminder. We need to take luck out of the equation. use them! Lifemoney Currency It’s true – if you fail to plan. For example. I know I could come up with a more efficient method. I have a main list at home and a daily list that I take with me. and I am happy with it. but it is visible and reminds me daily to get out and play. even I know it is kind of strange – but it works for me. It’s just something I want to get around to doing more often. I do this.Lifemoney 2. Carry a pocket-sized list with you at all times. With computer programs and organizers you can adjust lists quickly and neatly. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. but it works. but it is not really a priority that I want highlighted on my daily to do list. It is not in the way. you plan to fail. 3. I want to start playing more basketball. Obviously. So if you need post its.
Adversity and obstacles will come up along the way whenever you start setting goals. not price. not stumbling blocks in their path. it is extremely difficult to sell value at two times the cost for the same product. newer provider. They step up and success is their reward. Whatever obstacles have been preventing you from starting your journey. Most of their larger customers simply wouldn’t take a chance with a smaller. 69 . There were a lot of smaller companies. These companies were offering rates that were about half the price of what we sold.” Unfortunately. When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. The MCI philosophy was “we’re selling on value. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. My problem was that I was the one handling those smaller customers. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. I found that MCI was one of the highest-priced long distance service providers on the market at that time. Successful people use their Lifemoney skills to look at obstacles as opportunities. But MCI was not concerned with this. Mental and physical preparation is essential to finishing any journey. and you must be mentally prepared to deal with them. taking market share away from MCI and AT&T. because it mostly affected the smaller customers. now is the time to knock them down forever. with fewer expenses.
list possible or proven obstacles or fears that may be keeping you from reaching your goal. Be honest and write every obstacle and fear you can think of. Describe one of your main goals in a sentence or two. get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. Below that. but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. 95 left or got fired. The turnover rate for my position that year was 95%.Lifemoney I quickly scrambled to find a solution. 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. Luckily. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. That meant that for every 100 reps starting at MCI. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . Then come up with the solution/objective and an action plan. I started looking for other products to sell even though long distance was supposed to be our main focus. let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. With firm goals and objectives in mind from Exercise F. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. Lifemoney Currency “If you don’t like what’s on TV. This was the beginning of a booming market.
These obstacles come in all sizes. they add action to their goals and steps and turn dreams into reality. The idea is not to overwhelm yourself or get stressed out with a long list but to break down your objectives into steps that conquer all possible obstacles. etc. so that you will 71 . So how do they do it? They are not superhuman. etc. focused.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. It’s like your teachers used to say in school: “You’re only cheating yourself”. 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. Objective: Take Flying Lessons Action Plan: Research Classes. save money for classes. People just like you and I. Objective: Research planes and prices Action Plan: Go online and research planes. clear. find an online interest group. but they are action heroes. start a savings account with regular deposits. • I can’t afford a plane. so you will need to spend some time figuring out the possible or probable barriers to your goals. shapes. • I don’t have a plane. etc. and colors for different people. Each part of this process should be specific. Objective: Find out about buying a used plane Action plan: Find out about bank loans. So is flying an airplane impossible? Of course not! People fly planes every day. and manageable.
and manage your way to achieving your goals. we learn from our success and failures to meet the next obstacle with even greater results. the goal suddenly seems reachable. you’re probably going the wrong way. That’s because life is supposed to be a challenge.” -Brad Turk Three Huge Obstacles In my life as a successful businessman.Lifemoney end up where you want to be. making excuses. your real goal at first may seem almost impossible to reach. you’re probably going the wrong way. All of these steps we have completed so far help you get focused. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. As with this goal of flying. and 3. 2. allowing failure to be an option. They say if everything’s going your way. 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. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. procrastination. When we face challenges and overcome them. stay clear. Number 1: Procrastination 72 . Let’s examine each of these and ways you can beat them every time. or even when we face them with not-so-successful results.
73 . It’s easy to put off making a plan for starting the journey to your goals.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination.” “I don’t know where to start.” “I’m over-committed already. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4). To me. By procrastinating I mean putting off or delaying an action or task to a later time or date. procrastination is one of the worst enemies of success. and some of us are experts at it.” “My wife’s nagging won’t let me think.” “It costs too much.” “My husband says it won’t work. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments. too.” “The kids need me right now. All the time that is wasted procrastinating is not putting us closer to reaching our goals. We say things like: “I’m too busy.” “I can’t find a minute to myself.” “I’m too tired.” The list goes on and on. Remember how in school some kids put more effort into making excuses for not doing homework than in completing assignments (I know because I was one of them)? That’s what happens after graduation.” “I don’t have the help I need. or avoid taking action steps once the plan is made.
Even pick one of your favorite exercises to start. Don’t think to reschedule it for a better time. Example: If you’re not feeling well and you are supposed to do cardio and weight training. you might be feeling up to doing the cardio. Don’t think about the whole thing. go. • Do a part of the task. Or don’t think about not feeling that well at the moment. Just do it! Example: When it’s time to go to the gym. or things (Xbox/housework/chores). You’ll feel better after you do. some willing to work.” -Robert Frost h i nk about that quote. We all know time-suckers. • Avoid people or things that will take you away from what needs to be done. be they people (your lazy cousin Eddie). Just get up and go.Lifemoney Lifemoney Currency “The world is full of willing people. You tell T 74 . Maybe a part that interests you most. just go and focus on doing the weight training. Example: You are on the way to the gym and your buddy calls you to go out somewhere. places (the mall). do “a part” of the task. Instead of doing the dreaded cardio. the rest willing to let them. Maybe after that is done and your body is in motion. Which one do you want to be? Isn’t it time you stop playing victim and start working on your plan for personal success? I have listed some effective ways to overcome procrastination (and an example for each using the goal of getting in shape): • Just start! Don’t let any thoughts enter your mind and don’t think about the task.
visualize the result you’re after. which explains why a significant number will fail or relapse when the going gets tough. Example: If you need outside motivation. For instance. fold it up in their wallet. get a friend involved or find someone at the gym who keeps the same workout schedule. Example: If you don’t feel motivated to go to the gym and you dread having to go. Yet most of us grab onto great ideas for self-improvement without much thought. think of how you are going to look at the beach. • Write down why you’re avoiding the task. he’ll be waiting for you when you’re done. not the steps it takes to get there. All successful people meet their obstacles 75 . not the task. If failure is always an option then success may never be within reach for you.Overcoming Obstacles him you can’t but he is persistent. don’t think of the exercises that you need to do. Many successful people consciously visualize a result before beginning a task. colleague or friend. You need to be firm and stick to your plans and continue on to go to the gym. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. Sometimes we just need a little outside perspective from a family member. and spend every waking minute realizing their goal. 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. While this may be extreme. • Find a partner. I’ve seen people literally write down “make a million dollars this year” on an index card. find a workout partner. You can hire a trainer. • Focus on the results. If he’s a real friend.
The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. Much like the boxer in his now famous movie. Stallone refused to fail. star and creator to see his project come to life. at last. 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. you may never know. He persevered until. then ask yourself questions like these right now to avoid making failure an option: • • • • • • What type of lifestyle changes do you plan to make? Do you need to move to a new place? Should you change jobs? Do you need a different eating plan? Do you need to make time to get more exercise? Which skills will you need to develop to improve your capabilities? 76 . Sylvester Stallone went through huge trials and tribulations as a writer. 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. If you’re ready to begin taking the action steps that will lead you to accomplish the objectives you’ve listed.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. he found a movie studio willing to buy both his script and his portrayal of the main character. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. How far are you willing to go for success? If you concede failure before you even begin.
But it is never too late to achieve your desires. This becomes a lifestyle challenge that you must address. you may be tempted to light up with your buddies at the bowling alley.Overcoming Obstacles • • • • • Do you need technological expertise? Should you take a class? Should you attend a marriage seminar or see a marriage counselor? Should you seek help from a professional consultant? Who do you know that could be a possible business partner or help you connect with the right business partner? • Do you need to network with others in your field to enlarge your knowledge boundaries? • • • • Will your current job or career environment support these needed changes? Does your company recognize and reward growth? Can you make more money or advance more rapidly at another company? Does your company pay for tuition reimbursement? Answering these questions might require some habit changes. For example. At the age of forty. Being a doctor has been her desire since she was a child. if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights. You might feel too old to reach your goals or that it is too late to realize your dreams. Emotionally speaking you may be thinking it’s too late for you to change. Life circumstances and 77 . my sister enrolled in medical school.
the thing you were suppose to do did not get done. This is just not acceptable. But guess what? Excuses are worthless! There is never a need to make an excuse. and approaching your supervisor at just the right time to maximize your chances for success.Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. when you make an excuse for not doing something. they allow you to justify an action or inaction so you don’t have to feel guilty or justify what you can’t do. maybe even a small one. The bottom line is. working overtime to prove your usefulness. Lifemoney Currency If failure is always an option for you then success may never be. be definite and defined about the action you will take and when you will take it. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. Excuses are probably one of the biggest obstacles that keep you from achieving your goals. Your elaborate reasons will not impress anyone. -Brad Turk 78 . Start with one goal at a time. Your action steps might include dressing the part of the higher position. like earning more money by asking for a promotion. Number 3: Making Excuses Excuses are very powerful. Rather than making excuses.
_____ 2. Lifemoney Currency: Good things don’t just happen by themselves. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. remember that when this process is complete you are ready to step on the gas and head on toward your destiny. action steps. objectives. We need to do everything in our power to make them happen. That means creating a written plan for reaching a specific goal. and then tally your score.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. Whatever you do. I have a good idea of my action steps to reach each goal. The plan should list the goal. I am ready to create goals. timelines and an idea of some of the obstacles you’ll face. We need to do everything in our power to make them happen. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Let me repeat: NEVER FORGET to anticipate that obstacles will come up. Being prepared to face them is a huge factor in overcoming them when you meet them. 79 .
I am ready to adopt the mindset of someone who will be successful. I have plans to fully and completely address all roadblocks to my success. _____ 10. I plan to tackle the more difficult things on my “To do” list first. _____ 7. ______5.Lifemoney ___ 3. _____ 4. Just not where you want to go. _____ 6. Lifemoney Currency “Excuses will get you everywhere. I have created a timeline for my action steps that appears to be reasonable. I am ready to stay committed to my written plan and see it through with daily reminders. _____ 9.” -Brad Turk 80 . I have thought about some of the obstacles I may face. I am looking to see how technology can make my life easier. _____ 8. No excuses: I will not let myself off the hook.
good point." Overview Success requires the right tools. like walking upright. Learn to use these five with skill and you’ll achieve whatever you can dream. and laying the foundation for all mankind. “Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. The five tools are focus. well done. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. My favorite is the one where a television anchorman says to the caveman. awesome. 'Good job.” 81 . you’re right.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned. inventing the wheel. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. efficiency. priorities and commitment.' it would have made me actually look and feel ridiculous. discovering fire. Yeah. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen. time management.
Whatever the task requires . nearly everything in our world is a tool. Here are some of the strategic tools that will help you succeed in achieving whatever you dream: • Tool # 1: Focus • Tool # 2: Time Management • Tool # 3: Efficiency • Tool # 4: Priorities • Tool # 5: Commitment Lifemoney Currency “There was a time when nails were high-tech. Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make. cars or computers . Now that you’ve made up your mind to go after your dreams. People use tools to improve their lives. There was a time when people had to be told how to use a telephone. If you stop to think about it.” -Tom Clancy 82 . Technology is just a tool.our tools surround us. you need to select and develop the tools that will help you achieve your goals. Though different tools may suit different people best. We create mental tools to help us achieve greatness as well.stoves.Lifemoney We’ve been innovating and making tools since we lived in caves. successful people use many of the same mental tools – and use them well. Just look around you: for the most part we can run our whole lives by pushing buttons that activate machinery to do stuff for us.
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
Trump: Think Like a Billionaire. days. talking over the fence to your neighbor. too. While this may be extreme for you. Just pride yourself on finishing projects and never allowing them to linger unfinished. Second. Third. Donald Trump suggests sleeping only 4 or 5 hours a night. Take it a step further and think of how much time we waste every single day. The next time you’re tempted to spend time where it won’t count for much. think of the extra hours you could find just by adjusting to one less hour of sleep per night. First. enjoying your family. Rachel Ray. be very clear about what you’re trying to accomplish each day. let alone two or three. Extra snippets of time come in the most unlikely places. If you’re unclear about your objective you’ll be unclear about the time you’re spending. finish whatever you start. ignore the invitation and do something constructive. 87 . or browsing the classifieds or eBay for things you don’t need. To manage your time better I would suggest four things. weeks. busy with multiple high-profile projects including a daytime talk show and cookbook empire. like building a career. or useful for others or yourself. after 50 years you would have spent more than a year of your life “wasting time. If you wasted just 30 minutes a day on surfing channels. minutes. insists that she. months and even years.Tools for Success manage time well and you become a master of extra hours. contributing to the community. In his latest book.” 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. only sleeps 4 or 5 hours a night. interesting. or reaching that goal you think you just don’t have time to reach. driving to the store.
money.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time.” the author is also the mind behind movies like Stand by Me. Carrie. every single day of the year. Someone who knows a little something about being efficient is Stephen King. Since publishing his first novel. The good news is you're the pilot. and Misery. all of them bestsellers and featuring such instantly recognizable titles as Cujo. Remember that your time is your time.” . or any other resource you have available. except for three: his birthday. You are the only one who can guard your time – no one else will do that for you. the author of some of the world’s most popular novels. energy. So even though he is not working 10 hours a day on his books. How does one author manage such a staggering number of pages? The answer is efficiency. the Fourth of July and Christmas. back in 1974. It’s a good lesson for all of us: you might surprise yourself 88 . The Green Mile and Hearts in Atlantis. The Shining. don’t give into time wasters. Salem’s Lot. he is efficient with his time and committed to writing practically everyday. King has consistently published three or four novels per year.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day. King has long said he writes at least four hours a day. Lifemoney Currency “The bad news is time flies. Fourth. While many consider him the “King of Horror.
Let’s do an efficiency exercise. some activities are more efficient in getting you 89 . Ask yourself. you may need to reconsider that decision. Not pushing paper or daydreaming. Goal Achievement Exercise L Take out your Workbook. but efficient work. 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. From now on. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. 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. Everything in life has a price tag.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. In other words. weigh each one with a view to your goals. I would like you to list five things you are doing today that could be done more efficiently – and at least one step to boost your efficiency. You also should get in the habit of counting the “efficiency cost” of each decision you make. from time spent with friends to starting a home-based business.
especially future goals. decisions: • • • • How much will this cost in terms of money. I want you to realize a few things about time and think about ways you can use your time more efficiently. We often work so hard to “fit in” exercise that we either can’t do it or hate doing it because it took so much effort 90 . or even minor.” -Pat Riley Ten Ways Time Really IS On Your Side We’ve just finished discussing Tool #2 – Time Management and Tool #3 Efficiency. For that reason.Lifemoney toward your goals than others. Ride your bike to work to relax and get some exercise. Using time efficiently is a huge obstacle for many people who are would be success stories. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. To better manage your time and utilize your time more efficiently. but efficiency of performance is what wins the game for the team. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. In order to focus and spend your time more efficiently. get in the habit of asking questions like these before making major. consider making changes like these to enjoy life now while working toward a better one for the future: 1. time. and effort? What must I give up in order to make this work? How will this choice bring me closer to my long-term goal? Will this decision prove worthwhile in the future? Lifemoney Currency “A particular shot or way of moving the ball can be a player's personal signature.
Don’t overfill your “To Do” list. we can’t perform task after task without stretching our bodies. between important tasks. Many programs offer everything from stock tips to weight loss programs to informational documentaries. 2. you managed your time that week can save you hours the following week by learning from your mistakes. Things do not always go like clockwork. like getting to work or going to the store.Tools for Success to accomplish in the first place. Unfulfilled lists lead to depression and disappointment. kids get sick. neither of which fosters success. or both. We are not computers. 6. minds. and make any needed adjustment. 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. 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. we tend to perform those tasks more efficiently. most don’t. cars break down and bosses demand overtime when you least expect it. When viewed wisely. 5. 91 . with planning and forethought. which can be as little as fifteen to thirty minutes. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. Watch less TV and do something more productive. Get a Spam filter for your e-mail. Setting aside one hour at the end of every week to analyze how well. When our “To Do” lists are too full. they often remain unfulfilled. spouses need our help. Monitor how you’re spending your time. exercise. 4. Set aside “unwind time” after work or school. Eliminate the hassle by making something you have to do anyway. or poorly. When we schedule a block of time. television can be a valuable tool.
Bring a book to all your “doctors visits. Always carry something to capture your ideas. in restaurants. get dressed. Mason Cooley once said.Lifemoney 7. When we learn to use our time – all of our time – wisely. Appreciate unexpected delays. Only focus on things you can control. the day begins with the priority of going to work and chasing a paycheck. 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. Use waiting periods wisely. lobby lines. complaining is not action. Without those paychecks. or a car to drive. open the window and enjoy the air. 9. we gain not just precious moments but momentum. Tool #4: Priorities What are the priorities in your life? For many. waiting for appointments. etc.” Never waste an opportunity to learn. even when it’s spent waiting for things. “Worry is not thought. and get going to a job so you can take home a paycheck every few weeks. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. Entrepreneurs. creative people. Take a break to relax and listen to music. I usually use car time to catch up on calls that I need to make. If you’re stuck in traffic.” If we could save all the time we spend on worrying and complaining about things we can’t control and apply it to things we can. 92 . 8. you would not have a roof over your head. there would be so much less to worry about. don’t worry about the rest. Think of the day you were sick in bed. food to eat. You get up. 10. especially when it’s spent in waiting rooms. wishing you could be outside.
Do whatever you’re doing all the way. In other words. Choose a priority and be a finisher. don’t spend three hours cleaning your desk so you can get started. Don’t multi-task and try to accomplish too many things at once. There will only be one of two reasons you don’t finish: either you found a better way to do the project or you feel that the task is not going to be worthwhile and thoughtfully bail out. Focus on one step at a time. complete all the important things at the beginning of each day. If your goal is to write a letter to someone. You can easily become distracted doing this and usually nothing gets done right. The third suggestion for prioritizing. Then commit to giving your best to your life and to your goals daily. You come home to people that mean a lot to you. How should you start the process of prioritizing all the important people and events in your life? Start by asking yourself “Do I know how to give 100 percent?” Chances are the answer will be “no. something or someone important is going to get short changed. focus on writing and not the collateral activities that might make writing that letter easier. The need for a clean desk before you can begin is less a necessity and more of an obstacle. Second.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. 93 . Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now.Tools for Success Another priority for many people is their relationship with family members and friends. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. Finish what you start when you start something. and take time to spend with the ones you love. Don’t do busy work.
” -H. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. But why spend hours handling that task when my time can be put to better use? Last. my partners and I had a synergy allowing us to accomplish more in less time. You have exactly the same number of hours per day that were given to Helen Keller. and Albert Einstein. it was worth it to me. Fifth. Sometimes you might want to consider sharing profits or payoffs in order to get needed help. Lifemoney Currency “Don’t say you don’t have enough time. Pasteur. I could do it myself. Leonardo da Vinci. Thomas Jefferson. Pay less attention to things that come up but have no relevance to your goal. Jackson Brown 94 . Sure.” Delegate worthwhile projects that can be handled by someone else. Your time belongs to you. don’t be afraid to say “no.Lifemoney Fourth. give up the little things that scatter your time and energy. Together. Take on only what you want to do and say no to the rest. Even though I had to share the profits. and freed up some of my time to work on other priorities. Michelangelo. create a sense of urgency for important activities that are going to be meaningful in your life. One example from my life is that I pay to have my laundry done. I would often share sales opportunities and business deals so that I would have less work to do. That will only take me away from my priorities. I never answer my phone unless it is a call I’m expecting. Mother Teresa. 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.
he had not missed a single week of working out. they make a commitment to the bank. You wouldn’t go a whole day without eating. it was like brushing his teeth. as he calls it) for over ten years. eating. In the last ten years. It was something he had to do.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. we feel obligated to keep that date. we call it a mortgage. would you? 95 . or sleeping. 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. However. I have a friend who has been bodybuilding (or body sculpting. His response was that working out was one of his daily events. When we make an appointment to see the doctor. My response to him at that time was that I would love to make that commitment but that I was too busy for that type of schedule. When I was talking to him about his workout plan. he told me that he hit the gym five times a week. you need to make your goals – things to do – daily activities. For example. consistently. 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. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. when someone buys a house. Then the real embarrassment came: after going over his working arrangement. I was amazed at his dedication and commitment. a key part of your lifestyle. In the same way. besides his normal two week break.
314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268. give 100%.500 defective personal computers will be shipped this year 2. because a 99. Follow through.2 miles.488.9% effort were given.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. 1.200 books will be shipped in the next 12 months with the wrong cover 5.260 income tax returns will be processed incorrectly this year 2. 22.9% effort will not get you where you want to go. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation. Go big or go home. I saw him) to a few months later running 26. 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. Here’s a breakdown of how things might look if only 99.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon. Now that’s commitment! Especially for someone as busy as he is with a priority list longer than you can imagine. Daddy's House Social Programs and the public schools of New York City.000 checks will be deducted from wrong bank accounts in the next 60 minutes. He set a goal and did not stop until he reached it. He went from hanging out and drinking at clubs (I know.517. You have no choice really.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 .
Any Given Sunday. wanted nothing to do with Jamie.Tools for Success • 3. The director.690 will be spent today. saying Oliver Stone didn’t know what he was talking about. 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.500 mismatched pairs of shoes will be shipped this year $761.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9. Jamie was already a 97 . tomorrow. He even went so far as to tell Jamie that he “would not waste one inch of film on him.” He did not believe Jamie could pull off the part.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.322 pieces of mail will be mishandled in the next hour 291 pacemaker operations will be performed incorrectly this year 880. next Thursday and every day in the future on defective. Jamie could have easily walked away. Oliver Stone.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18. often unsafe.000 incorrect drug prescriptions will be written in the next 12 months 114. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20.
they are confident in their abilities and they stay committed until the task is accomplished. at that point in his career he did not need the role. He had also starred in several movies by this point. They are humble enough not to think they are too good to put in the extra effort. 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. never give up. Second. First. and he had already done many TV shows like In Living Color. So that’s how successful people handle getting something that they want. Lifemoney Currency Never. He had his own TV show. -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. But that’s not how Jamie viewed and approached it. The Jamie Foxx Show. Roc. he said that he couldn’t make the movie without Jamie.Lifemoney successful comedian/actor. never. Cooper. I think it is fair to say that although it turned out to be a great part for him. Moesha and Hanging with Mr. I heard that after Oliver saw the audition tape. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . remember to get and stay focused on success.
make efficient use of your time. and resources. Last.” -My Mother 99 . Fourth.Tools for Success second. make a commitment to embrace your goals and make them part of your life. Third. or hour passes it is gone. you go to it. minute. talents. 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. Lifemoney Currency ”Success doesn’t come to you.
I have evaluated my schedule and am eliminating the time-wasters. _____ 5. _____ 10. I am willing to delegate some tasks to others. I have begun sorting high priorities from non-essentials. I am “do or die” committed to doing what it takes to reach my goals. _____ 3. I am taking specific steps to make better use of my time. _____ 8. I have identified my focus and am ready to pursue it wholeheartedly. change or impact – You can’t worry about” -Brad Turk 100 . _____ 9. I am learning to make choices that will lead me toward my dreams. _____ 6. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Lifemoney Currency ”What you can’t fix. I am taking steps to avoid or redirect or see beyond these distractions. I am determined to include my goals in daily lifestyle activities. _____ 7.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 2. I have made a list of the major distractions in my life. _____ 4. and then tally your score.
You may not feel like you’re making much progress yet. and one day you look back and you’ll be surprised at where you might get to. to 101 . You add them all up. At one pivotal point in the movie. as long as you are going forward. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. he took on the role of a complicated.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. one giant leap for your life. compassionate and ultimately successful man named Christopher Gardner. your plans for reaching your goals are in play. only to find out later that the IRS has seized the bulk of the account.” -Christopher Gardner Overview Finally. Progress Report When Will Smith played the lead character in The Pursuit of Happyness. Gardner believes he has over $600 in the bank.
Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. shipping and delivery of the first 2. While the event seems tragic. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. including printing. and literally withdrawn it from the account. 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. you need your plan clearly laid out and a means to track how you’re doing. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred. it’s easy to wander and not finish the essential steps that lead to your goal. When things take time. filled out paperwork for an extension. But don’t worry: patience and paying attention brings progress toward your goal. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. 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. Busy work doesn’t get it.000 for everything you need to get started. You’ve decided that you’re going to launch your t-shirt line six months from now. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them.Lifemoney the tune of $600. it will most likely take months. 102 . For example. Instead.500 shirts to local retailers. The resulting loss sent Chris and his young son onto the street. to do everything that you want or need for your dreams to become reality. if not years. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. It will cost about $5.
We often just assume things are going to work out once we have our plan in place. Were you on track? Yes. I prefer a big calendar. 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. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. But when you check you notice that there is only $4. electronic calendar or some other external system. a daytimer. This means that you will need to save $960 in the next six months. What happened? Most likely – you made a bad assumption. What happened? Well.Evaluating Progress Now let’s say you have been saving for a year and have six more months to go as you continue putting the rest of the puzzle-pieces – printing. and you recall spending $300 to get a new bicycle. This messes you up because initially you only needed to deposit $110 in the account each month. Was it out of reach? No. but a big 103 . In this example. Keep it simple. 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. or about $160 monthly. Was the goal bad? No. shipping and delivery – into place. Don’t forget the map! The solution to this common problem is either a chart of your own making. you simply failed to keep track of your progress. where you’re going and how you’re doing.040 in your money market fund. but by all means use something. It’s been a year since you made the decision to launch. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch. The simple reality is you need one single visual reminder of what you want.
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. List a Goal: This is where I simply write out my goal – one goal per sheet. I monitor them on a grid which I will introduce shortly (these pieces of information can be derived largely from the work we’ve done in the previous goal achievement exercises). Your reminder system should have several key components. 2. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. Written goals are powerful. I write these action steps in clear and direct language using 104 . As always. I’m addicted to simplicity. They are items that need to be accomplished to get me further toward my goal. Here are my basic elements: 1. 3. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. make this sheet physically easy to see as you go through your day. so I’ve broken down my own personal system into five easy to monitor factors. Also. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. Let’s find out what they are. 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 you can probably tell.Lifemoney piece of paper would do. I make sure I regularly review my objectives. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. It’s important to monitor each goal separately so use a separate sheet/planner for each goal.
You may need to change the grid occasionally to reflect new stages of your plan’s evolution. I have found that the more specifically this is worded. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. Goal Achievement Exercise M Take out your Workbook. I reach my objectives. 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. a popular time of year for making new resolutions or resetting ongoing goals. Charting your journey in writing helps to make the whole process seem more real. creating objectives and action steps.Evaluating Progress action oriented words. 5. Completion: I always mark the date when I’ve achieved each objective. 105 . How you arrange your grid is up to you. 4. and is a great marker of progress toward my goal. You can find lists of action verbs by doing a quick Google search for lists of action verbs. I will reach my goal. If I reach my objectives. We’ll start with January. the more accurately I can tell if I’ve reached what I originally envisioned. Closure on my objective always makes me feel good. 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. If I do all my action steps. Create a grid that lists basic steps for reaching your goals. Now it’s your turn. as well as your response to them.
by the way. I will get expert help and assessment. Call for subscription to Golf Digest. pros. I will make the time to sign up for lessons and commit an hour a week to practice. you may spend another week in January (or whenever the first issue comes) reading articles from the publication as your action steps for those weeks. Action Step I will take 2 hours during the first week of this month to write out my plan. Learn terms. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. Read one golf magazine article per week to learn more. I will surf Internet for local golf pros. and how often. Even if you don’t fill every moment with related tasks. For instance. 106 . Year-round practice will improve my skills. Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. When you go back and check your grid periodically. Enjoy the thrill of getting better. will be spent revisiting an earlier action step.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. keeping a grid like this one will show at a glance what you are doing. to work toward your goal. Some weeks. and equipment of golf. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. you can quickly and objectively measure your devotion and success in chasing your dream. Check yellow pages for indoor putting green. Outcome I will enjoy my golf game more and feel a sense of accomplishment.
Ask for outside input from people you trust to be honest.Evaluating Progress If you decide to change your goal for whatever reason. “You did nothing wrong. If. 107 . it also forces them to be specific. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. and you found little change in the numbers after a few months. If you get the same input from different sources. For example. or instead of. Evaluate the input. To find out if you’re off track I suggest you find out what you did wrong. chances are it is correct. remember to adjust the steps to getting there. Find something that works.” This makes them think. the diet routine. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. you are now going to get a few things that they were not that excited about. I liked it all. This is good. Fortunately and unfortunately. Ask good questions Most people want to know what they did right. 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. Make it easier for them to evaluate you by asking the right questions. even if that means rotating new activities through the process until you find one that works best for you. for example. “Please tell me the three things you liked least about what I did.” To get better information ask. you could switch to a physical activity approach in conjunction with.
I’ve been wrong on many occasions. Don’t be afraid to be off track—or even outright wrong. You don’t have to take every piece of advice that’s offered. You’re allowed to discard opinions if you have a strong impulse that they are wrong. It also lets us know how others see us. He was told that his best hopes for a career would be as a carpet layer. Before you open yourself up to criticism. practice what I call the 4-BE System: • • • • BE objective BE open-minded BE sure to listen and see if it is accurate BE honest with yourself. which is totally worthless.Lifemoney Welcome criticism Some of the comments you receive might include criticism. Keep in mind that not all opinions you get will be accurate. If you argue or make excuses. In 3rd grade he was sent to a school for mentally challenged children. however. just listen carefully and ask how you can do it better. Criticism is good – it lets us see a different side of ourselves. 108 . people will stop telling you what they really think and say only what you want to hear.4 billion was thrown out of 2nd grade. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. don’t reject impressions just because they are negative. When someone tells you point-blank that you’re going about something all wrong. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2. Analyze the critiques and use them as you see fit.
His bosses thought he lacked the common sense. • • Walt Disney was once fired for a lack of "good ideas. 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.” There was once a twenty-one year old who wasn’t allowed to talk to the customers.Evaluating Progress • Thomas Edison was told he was not teachable. and creative theory of relativity that has shaped modern physics. Yet. taking a personal finance class. if your goal is to retire at age 45 meet with a financial planner. Before being home-schooled he was kicked out of three schools. You might even want to get several opinions and weigh several options before making a final decision. His name was F. His last headmaster said he'd never make it. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. founder of Woolworth’s and modern department stores. or attending a money management workshop are additional ways of becoming more knowledgeable. including the light bulb. For example. Get enough information to provide a clear picture of where you are currently. that he was a screw-up. With his creative mind he patented over ten thousand inventions. or we wouldn't have his incredible. the phonograph.W. and film. he never gave up. or an investment agent to discuss planning strategies that can make this possible. far-reaching. • Albert Einstein struggled in high school math. Registering for a financial planning seminar. Good thing he didn't. Woolworth. your banker. where you want to be. These also help to make sure you have a realistic goal set and that your 109 .
Watch your goal progress closely Check your daily activities. keep track of your progress. Your best skill is your ability to write things down and track yourself. the loss of a job. daily steps that carry us the furthest distance. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. Are some carried over for long periods of time? Are you making substitutions for temporary pleasures that eat up your time and resources without bringing you closer to lasting fulfillment? Remember that it is the small. O. Either is fine. As you try to achieve your goals. as long as you continue to make steady progress. Some people even use something as simple as notes. your plan. a great new job offer that comes unexpectedly.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. or meeting someone and falling in love. and your progress to see if adjustments are needed for a better chance at a successful outcome. you may get off 110 .K…. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. Above all remember. you still have time to adjust your plan to maximize your chances for success. Notes to yourself. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day. If not. a death in the family. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week.Lifemoney plan for reaching your goal will allow you enough time to meet the goal. this is the time to reevaluate your goal.
” “You work slowly. List the five most common criticisms you hear about yourself.” “You’re stubborn and won’t do as you’re asked. Goal Achievement Exercise N Take out your Workbook.” “You’re attitude is bad. The faster you uncover the weakness within you and address it. properly aligned and refocused.Evaluating Progress track too. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time. 111 . You stop exercising or you start watching a new television series that leads to another new show to another and to another. the faster you can get on your way. take this information and use it to your advantage. “You always complain and never offer solutions.” “You’re always late.” “I have to constantly watch you because you waste so much time.” Rather than being upset or offended. Don’t beat yourself up for being normal. and then outline action steps you can take to address these. There are some very good action steps you can take to get yourself going again. • • • • • • • “You have trouble following through to get things done. Then move on to do the same with larger tasks. And don’t forget that sometimes you get off track due to internal factors rather than external ones. We’re going to address some of the internal areas that may get you off track to achieving your goals. Here are some examples to get you started.
2. I strongly suggest that if you break your tasks down into smaller. you will lose track and wander in pursuit of your goals. Then be proactive in making changes to benefit yourself and others. there are many things you can do to address problem areas and turn them around to make negatives into positives. more specific steps you 112 . Better yet. If you don’t make notes of how you’ve broken down your duties. The next time you have a problem you aren’t sure of the solution for offer one or two alternatives for solving the problem. Keep these keys in mind: 1. Write down the smaller. Fortunately. break the goals up into smaller. daily pieces that when completed will gradually accumulate and lead to success. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. more doable chunks that you make note of it in your planner. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. • • Finish the task at hand and ask for something to do next. Being honest with yourself is a powerful tool. Especially honesty with yourself about your own weak spots. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. gut-level honesty. Be honest in soliciting opinions from others and acknowledging your weak areas. come up with a clever solution to some problem the boss is having.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.
as well as find inspiration to help you continue to achieve your goals. weekly. Check out at least one set of blueprints for your dream home each month. Read a self-help book related to your goal. h. you will be amazed to see how much you’ve actually accomplished. Learn something new related to your goal every month. (I speak much more about this in Lifemoney Lesson #6. Seek out successful people for advice: Free advice is all around you. Have a weekly date with your spouse or child to improve family relations. and be willing to make the necessary changes that will help to ensure success. take personal responsibility for the difficulties encountered in your quest. c. f. Resourcefulness). Stop and reflect on your life more often: When you stop and reflect on your life every month or two. i. e. Contact at least one new potential employer each week. d. j.) g. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. Here are examples of small activities that can be conducted daily. Work on replacing a bad habit with a good one each month. daily. Meet with your mentor every other week for feedback. Make one sales call daily at least five days per week. 113 . b.Evaluating Progress intend to take. Seek it out and you’ll find more encouragement than you’ll be able to handle. 4. etc. 3. Save at least $10 per day for an average of $300 per month or $3600 per year. Review your written goals more regularly (hourly. Whatever you do.
factor it into the equation.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. Do this assessment frequently. After taking action steps toward your objectives and ultimately the goal.” 114 -Brad Turk . living. If anything has changed since you began the quest. You may have to revise your daily or weekly goals from time to time. To tell the complete story. as well as anything that remains unfinished. but that’s fine as long as you don’t abandon the journey. realistically – and often. If you feel that you are unable to follow the timeline or stay with the quest. evaluate your progress thoroughly. and then give it all you’ve got! Lifemoney Currency “Dreams are real. Come back to your journey when your batteries are recharged.to determine what you are able to complete on time. Make a visual reminder – like the grid I use . Every success story is written with dozens of action plans that were brought to fruition through focus and commitment. plan to re-assess your progress. take a short break to renew your mind.Lifemoney Lifemoney Currency “The price of greatness is responsibility. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you.
_____ 10. _____ 9. I have the names of several people I trust to give me good personal feedback. I am going to regularly check my progress toward reaching my goals. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I will reevaluate my goal. I will solicit feedback from experts. I will invite and accept criticism that is given with a view to helping me. along with my progress at regular intervals. I will check the grid periodically and make any needed changes. I will create a grid for recording action steps that lead to my objectives.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. _____ 8. _____ 2.” -Brad Turk 115 . I will make efforts to change or eliminate bad habits. In gathering feedback I will ask good questions. and then tally your score. I will be quick to admit my weaknesses _____ 7. _____ 5. _____ 4. Lifemoney Currency “Be consistently consistent. _____ 6. _____ 3.
who was brought up in the Marcy projects in Brooklyn. had to create his own destiny.” Overview Everyone struggles to meet their goals. you need to look for other routes or means of help. When things don’t go as planned. Sean. everyone encounters resistance along the way.Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe. It’s how you handle the resistance that leads you to success. whose net worth is estimated to be $320 million. This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). and we can endure much more than we think we can. We are stronger and more resourceful than we know. 116 . knows firsthand what it means to be resourceful.
which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. which includes Roc-A-Fella Films and Rocawear . you might be filled with 117 .” but over it. Other ventures of his are Armadale vodka. but the careers of many other superstars.” And that’s what he did! He co-founded Roc-A-Fella Records. Being a talent was not good enough to attain his success. How resourceful are you? Could you overcome adversity by thinking not just “outside the box. right smack through it? As you begin your journey to reaching your goals. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. the 40/40 Club in New York City. No one seemed to be interested in his music or recognizing his understanding of the music business. “I was forced to be an artist and a CEO from the beginning. Sean was unable to get a record deal. Jay-Z became one of the most respected rappers in the music industry. he also expanded the Roc-A-Fella empire. he needed to be a businessman as well. in some cases. which launched not only his career. I was forced to be like a businessman because when I was trying to get a record deal…it was either give up or create my own company. When faced with resistance he responded by finding solutions to his problems. including Kanye West. with 18 Grammy nominations and 5 Grammy wins.Resourcefulness When he first started out. part ownership of the NBA New Jersey Nets and the S. around it or.a very successful clothing line. He has a willingness to find any way to achieve his goals. In addition to becoming the President of Def Jam Recordings. which eventually shaped his destiny. Carter line of Reebok sneakers. under it.
“I’ve never felt better! I have a sense of purpose." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts.Lifemoney confidence. the more likely you are to run into something unpredictable. Either way. turn on the light. With a little bit of effort and some common sense. You’re going to need to be resourceful no matter how much you have going for you. run some cold water over your hands. and I know exactly what I have to do to reach my goals. They might come from your creative imagination or perhaps from the lives of other people. Lifemoney Currency "I've found from past experiences that the tighter your plan. The resources you’ll need to tap into can come from inside yourself or from around you. or mediocrity and brilliance. you can find resources that will make all the difference in your search. You may be thinking. then slap yourself in the face. This lesson points out some useful resources and answers for the troubles you will encounter on your journey. do surgery with a pocket knife and 118 . What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. no matter who you are or where you’re headed you need to focus on using these resources to get through the challenges you are going to face. Successful people never hesitate to look for resources that can mean the difference between success and failure.
You’ll have to learn to let your mind go in this fashion. I want to make four suggestions for being more resourceful. and then brainstorm big. and when it comes to succeeding in your life. You can always do something. He was the picture of resourcefulness. if we take the time to fully analyze a problem there’s a very good chance we can figure out a solution on our own just using what we know. Though you may not end up being MacGyver. Be an open-minded. only to be told something you already knew? Often. Take time to jot down problems for which you’re seeking solutions. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. Relax and think: don’t let the complexity of a problem paralyze you. 119 . Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. These are four ways of thinking that have made me a better businessman and human being. even if you’re unsure of the outcome. he could always find a fix to any obstacle he faced using just what he had around him. you must be the same way. He was never played out. Did you ever consult someone about a problem you were having. wild and fun solutions.Resourcefulness make a computer out of duct tape. and realize that often the reason you’re stuck is because you’re not thinking big enough. but the natural resourcefulness of your mind will reward you with many great and doable ideas. resourceful problem solvers are some of the most open-minded thinkers I know. Take stock of the situation to see what you can do. big thinker. 2. The trick is to keep your mind focused on what you want. Take the time to take stock of the situation and think on your own. expensive. Clever.
And when you come up with all those big thinking ideas – capture them. This was a problem. however works best for you – and then review them every once in a while to see if there is one you can implement. It was a big thinking. That’s how you learn. When attending a high-power meeting I’d take along a good friend. Make sure you capture those ideas somehow – in paper. Don’t be afraid to ask questions from people who know. I look a lot younger than my real age. ask over and over again. I looked nineteen.Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. Don’t look at life with the jaded self-knowledge of an adult. 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. big thinking I created a great solution. As you can see on the cover of this book. over a microphone to your computer. 120 . out-of-the-box resource idea and it worked. Once the perception piece of the introductions was achieved. Become four years old again. As a team. Be a pest. I was trying to launch my business and wanted professionals and industry experts to take me seriously. who was middleaged and looked more of the part I needed to play. 3. I have a baby face. but walk with eyes – and ears – wide open. George. George and I appeared to meet expectations for maturity and sophistication. At twenty-five. and in a moment of wide-open. As an entrepreneur or creative thinker or just someone who develops their Lifemoney skills you’ll find that you have so many new ideas that you don’t have time to act on them. I was able to pitch my products and services to an open ear. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question.
And in my experience. I struggle to learn. You see steps. You want to paint. My dear granddaughter Hannah. Questions are your favorite tools. How many times have heard of a solution to a problem coming from a totally unexpected place? Resourceful people are always making themselves look for answers in places nobody else is looking. I see mess. I see danger. I've forgotten how to laugh at blunders… 121 . With wild abandon you tackle new words. It was taken from the web site http://members. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. Look for solutions in the most unlikely spots. You love to learn.htm.ca/athomas125/hanna. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him.shaw. new skills. 4. Here’s a thoughtful letter written to a child from her grandfather. You want to climb the attic stairs.Resourcefulness You don’t know everything. I see problems. hoping to master the computer in one easy lesson or not at all. Book is your favorite word. I find embarrassment. You are only two. You want to know everything. you can’t know everything. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. you see colors. You find laughter in mistakes.
You walk right up to a stranger and smile. or information you can’t really use. After talking to one resource person or another. 122 . Look around for success “MacGyvers” hiding in plain sight all around you. help me to grow up and become just like Hannah. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. neighbors. if it's not too late. and though you dislike it. you might be given all sorts of misleading ideas. and relatives who may have an idea or solution to your problem. When you’re listening to an answer. I love you for who you are! Grandpa Dan Dear Lord. These could be friends. Ask questions that seek out detail rather than just yes and no. I stick with the familiar favorites. You have to take the good with the bad in your search for answers and put all your resources into continuing the search. At lunch you boldly bite into broccoli. 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.Lifemoney You are courageous. And learn to ask better questions and be a better listener. Keep Looking .You’ll Find It Finding the right information can be like looking for hidden treasure without a map. Sometimes you may not know where to begin the quest. Just keep going until you find the information you really want. tomorrow you will tackle cauliflower with the same exuberance. asking questions about their perspectives and ideas. But that comes with the territory. Talk to people from teens to retirees.
Even as there are more and more of us. try different variations of the same words until you find what you are looking for. If not. 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. Look at the jackets and back covers for ideas about whether a book will be helpful. spend your time searching for buried answers. All you need to do is pick a search engine (I use Google. Instead of sitting in front of the television or playing video games. often at the press of a button. ask a store associate to order materials for you. If you don’t find an exact match. find a seat at the café.Resourcefulness You probably won’t find everything you need in your back yard. Don’t be afraid to use all of the resources available to you to gather more resources. spread far and wide. and read a recent biography of someone you admire or a book on a topic related to your goal. But you can go anywhere you want and talk to whoever you like. That’s the beauty of the modern world. There’s no better or quicker way to 123 . buy a cup of coffee. technology is bringing us closer together. You can even use full sentences to pinpoint the closest data to your topic search. Here are four incredible resources. In a larger bookstore chain. You don’t even have to buy the books. Whatever your needs or interests. you can just read while you’re there. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic. 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. you should be able to find worthwhile reading.
and Los Angeles you have the Learning Annex (learningannex. magazines. 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. You don’t have to buy the product. 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. Toronto.com) where they constantly have well known speakers. language CD’s or DVD’s (if your goal involves traveling abroad). If your library doesn’t carry a book you want see if they can get it for you from another library. Check your local area for something similar. movie producers and music moguls at your disposal. but you may learn a few things from the expert while you participate in the webinar. Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. and videos. San Diego. San Francisco. In New York. You can also get audio books. Most libraries offer this type of service for free.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. Minneapolis. 124 . Many companies offer free webinars with noted experts in a particular field as a way to sell their products.
Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. 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. One life changing piece of advice can make you thousands if not millions. waiting for the chance to drive you toward solving your challenges and meeting your goals. Read books and look for television programs. or showing off your playground skills to other kids. They will teach you how to become financially secure and independent.” -The Learning Annex Promise There’s No Need To Grow Up Remember that excited feeling you had as a kid when you started school? Remember that wonderful anticipation of what you were about to learn or do? You were probably thrilled at the thought of becoming smarter and impressing Mom and Dad with good grades. Be 125 . How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. For example if you’ve challenged yourself to get a great job in New York City. you will be able to learn from the experts in that field. It is idling in you right now. Ask the people around you what they know about New York.
Learning new things is virtually guaranteed. Rather than ditch your old friends. • Join a special interest group. No matter what your interest. Consider joining 126 . Check with a local community college or university branch campus for information about these classes. like minded people that share your intensity in life. • Online Special Interest Groups. then ask lots of questions. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. find a writer’s group or a reader’s club. the internet provides an opportunity to meet many like minded people. suggest that it be taught in the future. You can meet experts in your field of interest and learn things about your pursuit you never knew existed. To run for civic office in a few years. If you’re planning to write a novel. and provide you all kinds of problem solving resources. specialized courses that often cost under $100 and run over a day or several weekly classes. Listen first. Most colleges – especially community colleges offer informal. work on building friendships with new. Over time our interests drift and friendships change because your interests no longer match. If they don’t have one you want. volunteer at a local official’s office and see how it works.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. Those friendships can form quickly and be lasting. Often we outgrow our friends. • Take a non-credit class.
Join an online chat room 3.this week I will seek out one interest group related to my goal 127 . assign timelines in which you will visit these places. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s. or subscribing to a mailing list of like minded folks. Online chat room--.” -Bill Gates Goal Achievement Exercise O Take out your Workbook. reading blogs about topics that interest you. such as: 1.Resourcefulness an online community. Consult a community resource center 2. Visit a local learning annex Once you have these three written down. Community resource center – attend evening sessions from 8 to 9 Monday. Wednesday and Friday. List three places where you can go to find some information that will further your ability to be resourceful. 2. such as: 1.
and while attending. Like Diddy.Lifemoney 3. Combs applied to Howard University in Washington. Uptown Records. you might as well think big. Lifemoney Currency “If you are going to be thinking anyway. According to Answers. But Combs was an avid listener. contact authors whose writing style you like and ask them for tips on 128 .. learner and observer. those who have already accomplished what you want to do. 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.” There he swept floors and kept his ear to the ground. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. Sean “Puffy” Combs worked in thankless jobs like the rest of us. learning the industry from the ground up. Before he became known as Diddy. D. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. “Already a shrewd businessman through his two paper routes. and found resources anywhere – and everywhere – he could.C. This is someone who will work with you to set goals and help you make plans for reaching them. If you’re planning to write a best selling novel.com. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings.” -Donald Trump Find An Expert Everyone can benefit from having a mentor.
Avoid their mistakes. find out what not to do. Make sure that you research these people and their companies. There are actually some fields like the music industry where the only path to a real job is to intern. and other information that might hold clues to the reasons for a person’s success. Or look up a local leader that you might be able to interview or job shadow. videos. get some books about famous people who have already made it in the area where you want to go. Try other people or be persistent with the ones you really think are important for you to meet or talk with. 129 . When learning from the experts. libraries and the Internet are valuable. Don’t fight the system if you don’t have to. Look up biographies. take a job as an intern like Diddy. Always be prepared and don’t waste anyone’s time. too. but people are the ultimate resource. if applicable. Don’t rely on your own expertise. Books. and who won’t turn their backs when you need help.Resourcefulness getting published. Ask questions like. And. too. You could contact publishers. before you speak to them. Go straight to those who know the ropes and can share a bit of wisdom. interviews. If speaking directly with an expert isn’t likely. don’t be surprised if some don’t return your calls. If you’re a student. You also may want to consult the local Small Business Administration or a retired executive. and find out what keeps them going strong as well as the things that hold them back. Learn it first then conquer it. Look for people who can provide guidance. and look for readers that can tell you what they look for in this type of book. “What is one thing you would do differently?” Study those who are where you want to be.
No matter what sorts of challenges you face right now. While making your list. Never forget to take advantage of your network of connections. it is because I was standing on the shoulders of giants. intrigue these people to help you in whatever way possible. there is probably someone in your network of connections that has faced the same problem at some point and would be happy to serve as a resource to you. List three people that you will contact for assistance. think of key resource people you already know from your past and your present. Using the people skills that you will learn in Lifemoney Lesson #8. 130 .” -Isaac Newton Goal Achievement Exercise P Take out your Workbook. You’d be amazed how many talented people you already know that could help you along your journey.Lifemoney Lifemoney Currency “If I have seen farther than others.
that can put you closer to reaching your ultimate goals.Resourcefulness Lifemoney Currency “Remember you will not always win. but stick around for the credits after his next movie. Stephen Spielberg. every one of those people was a resource in creating his latest masterpiece. Don’t limit your dreams by limiting your scope. It’s important to utilize every opportunity. the most resourceful individual will taste defeat. Some days. 131 . reach out as often. in this case. always tomorrow after you have done your best to achieve success today. might be the director. Very few people succeed entirely on their own. small and large. Try to count how many names are listed at the end of the film.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. services and know-how you need to create Lifemoney. to get the information. But there is. and as far as necessary.
I believe learning is the beginning of wealth. I plan to read an autobiography of a famous leader who inspires me. Learning is the beginning of health.” 132 .Lifemoney Lifemoney Currency “Learning is the beginning of wealth. I will keep my eyes open for a mentor. _____ 4. _____ 6. and then tally your score.Brad Turk . I will enthusiastically seek information like a kid. find the people you need to know and introduce yourself.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with. _____ 7. _____ 2. _____ 5. _____ 1. but who you know. _____ 9. I will take a class or seminar related to one or more of my goals. Searching and learning is where the miracle process all begins. _____ 10. _____ 3. I will network with people I know to find expertise beyond my circle. school or online special interest group. and observations. ideas. _____ 8. Lifemoney Currency “Some people say it’s not what you know. giving yourself 10 points for each checkmark and 0 points for any left blank. I say. Learning is the beginning of spirituality. I will read new material that relates to the pursuit of my goals. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. I plan to visit a library.
directly across the street from Grand Central Station. These include visualization. They are your real wealth. Now I want to talk to you about the one Lifemoney skill that might be the most important to anyone wishing success in life: creativity. objectifying your goal. Trump had no 133 . looking at things from a different perspective. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel.Creativity Lifemoney Lesson # 7: Creativity “Rules? Hell there are no rules! We’re trying to create something here!” -Thomas Edison Overview I have built this book around the idea that your personal qualities are like money to you. He bought the property in 1977 when that part of New York City was in terrible shape. asking big and avoiding the herd mentality. your Lifemoney.
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.
Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. Visualization is when you mentally create an image of yourself accomplishing the desired objective. and telephone. it’s time to shift gears and visualize it. fax. 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. Now. imagine yourself doing it. if you want to get into real estate. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. This isn’t fantasy or play-acting. What’s it worth to you? When you’re ready to give up on your dream. Avoid the herd mentality. For example. Picture your home office with all the things you would use in a public office—computer. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. 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. it becomes more tangible. this proven 138 . copier. or when it becomes increasingly difficult to see yourself in the winner’s circle. step by step. You’ll work out the bugs of a process that will move you closer to your goal.Lifemoney 5. See yourself inspecting the houses. noticing colors of paint and the condition of the neighborhood. so keep your thoughts positive and stay focused. Your body will do what your brain focuses on.
That is a conscious choice. whether at home or at the office. All success starts in your mind. Take responsibility to hold those images in your mind. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. Those that fail to reach their dreams are often letting their positive visualizations vanish. 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. There is no substitute for keeping the proper image in your mind at all times. Sometimes having that physical object can help make an abstract idea seem more real. Do you keep a special object to remind you of your roots.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500. Look at your workspace. your accomplishments and your dreams? Some 139 . good or bad. Why? Because you will create whatever you’re visualizing. Do what you can to make a real “object” out of your goal. I have had both of these cars.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. Acquiring anything starts with imagining it constantly. Lifemoney Currency “Visualization is daydreaming with a purpose. and I still have the toy versions to help me remember to make my dreams real. an action you take. but our brains respond better to the real thing. To date.
Who do you think is more positively driven? Around her neck. 140 . seemingly insignificant object that reminds you of something very important. This is especially important in creating objects that represent your personal goals. The key belonged to her late brother’s motorcycle. It also keeps her motivated and helps as a reminder of how precious life is. the one he died on. and she keeps it near her heart as a reminder of how much she misses him. Dieters sometimes buy clothing in the size they want to be rather than what they are now. A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. present or future. A miniature horse that fits in your palm could be the symbol of your future breeding farm. it should be something that reminds you of and keeps you motivated to achieve your dreams. or another small. They go to the closet and look at the outfit that they hope to wear a few months from now to remind them of their goal. start collecting those things and placing them around you. an award or commemorative gift.Lifemoney people have desks covered with trophies and some have desks covered with bills. whether past. If you don’t. Queen Latifah wears a key on a chain. Real objects have power. Chances are you have a framed photo. and how important it is to enjoy every minute. The object for your personal goal might be something that brings to mind your dream. Whatever you choose.
” But David wasn’t quite ready to leave. After bothering the agent. and he informed me they had been trying to sell it for over a year. “We’re out of here. When we went into the place I was very disappointed. I put that check in the casket with my father because it was our dream together. I put it in my wallet and it deteriorated. From his perspective it was good that the place 141 . my friend saw as a positive. I thought I knew something about real estate and I asked the agent how long the place had been on the market. He buys a lot of properties. crunched some numbers and while we were sitting down for coffee afterwards.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995. just before Thanksgiving 1995.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate. he explained to me that this was a great deal. What I saw as a negative. I found out I was going to make ten million dollars for Dumb & Dumber. His success is attributed to seeing what’s not there and being open minded about what can happen. I remember him helping me out once when I was looking for a small rental property. And then. It looked like a hurricane had come through and no one bothered to clean up after. He asked more questions. Well. that was it for me. Although I loved the building and the area. the actual apartment was terrible. manages some and sells the others. I looked at my friend as if to say. it seemed I got the truth out of him.
does medical billing and is the office manager for a doctor’s office. You can do this in your own life. 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. Creativity Factor #4: Ask big There is huge power in learning to ask big. She envied my work schedule and the fact that I could arrange my days as I saw fit. Liz. David helped me to see the real value of that deal.000 and after spending $25. So try! It is a valuable lifemoney skill that can translate into big cash money. She wanted the ability to occasionally pick up her son from school and also did not want to be tied down to the typical 9-5 work week. Anybody can see what’s obvious but only a few can see potential. After David did the math with me. she really wanted a more flexible schedule. Although Liz was happy with the money she made and her success in what she did.000 down to $150. She is good at her job and has been with the same company for over 10 years. Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open.Lifemoney was a wreck and was on the market for so long. 142 . Most people who walked in there did not see the value of the place and could not picture what the place could look like.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200.000. By shifting perspective.000. My girlfriend.000 co-op for $175. You know why? Asking for big and bold things always generates creative new ideas and usually uncovers a solution to your problem that you might not have thought of. it appeared that I would be buying a $200.
Creativity When I encouraged her to suggest something new to her boss, like a more flexible schedule, she was positive he wouldn’t go for it. But rather than just forgetting about the idea, we sat down and actually listed some very big possibilities she could take to her boss. Specifically we asked ourselves “What might her boss go for?” We made ourselves think outside the box. This thought process alone allowed us to quickly figure out a few adjustments she could make to maintain job duties and still free up some time in her weekly schedule. Then one day at work Liz asked her boss something big. “I’ve figured out a way to work even more efficiently,” she began. “Oh, yeah?” her boss asked. “What’s that, Liz?” “If I work a day a week at home where it’s quiet, I can get more billing work done without the distraction of answering phones or coworkers’ questions. I’m sure I can work faster, which will save the company time and money. Can I do it?” Now do you think that was easy for Liz to ask her boss? No way. But she boldly asked a new and surprising question. And guess what? Liz’s boss agreed to give it a try, and now she has more flexibility in her schedule. She has a day each week for personal errands and her son and on that day she works the hours that she sees fit. Even when it seems like the odds are against you, asking bigger and bolder questions can be a huge source of inspiration and possibility for you. When I worked at MCI, through hard work and utilizing the Lifemoney lessons in this book, I became the number one salesman in the country. My problem was that I knew I preferred working from home without a boss breathing down my neck. But my boss really wanted me to work out of the office in the more standard corporate way. Rather than just giving in to this expectation, I asked myself a bigger, better and bolder question: what would the boss
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 can visualize my success through a variety of mental pictures. Don’t let yours go to waste. I seek out new perspectives to old problems. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. but seeing what’s not there. _____ 3. Engage your creativity now by taking stock of your situation. and then figure your score. I have objects around me that symbolize the success I seek.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with. 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. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Lifemoney Currency “A problem is a chance for you to do your best thinking. Remember that one of the most important aspects of creativity isn’t seeing what’s there. Take the time to evaluate your situation and try a creative approach. 147 .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. _____ 5. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. _____ 2. and invest the energy in some creative thinking about going after the things you want. _____ 4.
doesn’t mean you can’t do it.” -Brad Turk 148 . _____ 7. _____ 9. _____ 8. I will use creativity to help me attain my goals. I make detailed mental images of what I want. Lifemoney Currency “Just because something isn’t being done. _____ 10.Lifemoney _____ 6. I know when I ask boldly. great possibilities are created. hasn’t been done or looks like it can’t be done. I keep asking bigger questions to spur my creativity. I avoid the herd mentality at all costs.
So learning to interface with other people is vital to realizing your goals. professional and powerful way will not only aid you in achieving your objectives. Using people skills in a competent.People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside. 149 . Understanding how others work and the mechanics of how they think will be crucial in gaining the support you need to get what you want out of life. if people get better at these people skills. getting others involved will be a major key to your success. For almost any goal you may have. everyone benefits” -Daniel Goleman Overview I am going to introduce you to my very simple and powerful twelve-steps to becoming a more persuasive and accomplished people person. but it should make your life experience more rewarding as well. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others.
or had an excuse for something going wrong. Amazingly. that she would get the sales in. During that time. hard working and considered her sales position as her own small business that she was managing.Lifemoney While I was at MCI. I knew she was a hard worker. He was always late. She was self motivated. He had so many excuses that he was losing track of them. and he needed a couple of days to 150 . As an example. I was managing a staff of 8 sales people who all had extremely different personalities. Their “House Rules” were specific to how they thought a salesperson should be. and that I could not work her harder than she would work herself. I worked as a manager for a short period of time. On the other hand. I quickly realized that to deal with people effectively you really need to understand what motivates them. who he missed that had passed away about a year before. I knew first hand. Using my Lifemoney Lesson # 8. from being a salesperson. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. out sick. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. They were men and women of different races and backgrounds. I provided them the resources to work in an environment where they could thrive. I did for her what I wanted my sales manger to do for me – I stayed out of her way. I had one rep who was just like I was as a salesperson. I gave her freedom to do whatever she wanted (I didn’t even care if she showed up to work or not). I saw from past managers that I have had. He once told me about his only uncle. that one of the biggest problems in how they managed was that they had a uniform way of doing things. that same uncle died again. that we are all different and had different needs. I had a salesperson who was one of the most charismatic people you could meet.
you need to know what their needs are. Think of a past problem you had with a specific person. Anyway. some I still have to this day. Are you a people person? Few of us respond to every situation in perfect form. Shared sorrow is half a sorrow. So to get the most out of people and to win them over to your cause. Be as specific as you can.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook.People grieve. and at least once every day gave him a swift kick in the ass. Not only was this experience a financial success for me. and told me that he needed that treatment to get him where he wanted to go. but it allowed me to really connect to my reps and form lasting friendships. especially when it comes to dealing with people. He later thanked me for helping him. I micromanaged him. I treated him how he needed to be treated. Lifemoney Currency “Shared joy is a double joy. 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 .
Lifemoney Currency “Every one of us gets through the tough times because somebody is there. How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. 152 . standing in the gap to close it for us. or rhythm. everything. even dealing with people – especially dealing with people – requires proper planning.Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. The primary way we communicate with others is through conversation. Listen. When it is your turn to listen. Success doesn’t happen by accident. of preparing yourself to deal with people rather than doing so on instinct or history. Conversation involves someone speaking and someone listening. 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. do not speak. Get into the habit. For relationships to be mutually valuable you must build a bridge that goes two-ways. there are lanes for incoming and offloading traffic.
Because I took an interest in him. At the beginning of the interview. Although I knew my resume would be suitable for the position. let them talk about their skills. it seemed as if we did not even speak about me. If you really take an interest in what they are saying you might learn something. not just another segue to a story about yourself. this guy not only offered me the job.People To demonstrate how much people want and need to express themselves and feel understood. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. Be enthusiastic about what they are talking about and who they are. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position. at the end of our meeting. I will tell you a funny story about a job interview I once had. listen with a reason. Watch for opportunities to offer empathy. people like people who like them. When you talk to others. Everyone’s favorite topic of discussion is themselves. 153 . advice or assistance. Yet. we did not get to discuss my history. Keep in mind he found me so interesting and I barely said a word. Again. Let the other person speak – while you LISTEN. It turned out to be a win/win for us both. Try and put yourself in their shoes. their needs and their accomplishments. If you want to win them over. I asked the interviewer a few key questions about himself and what had made him successful in his career. Ask questions. Step # 2: Take an Interest in People When you listen. You can’t learn from them if you’re talking. He was so excited to talk about himself and his experiences that at the end of an hour. Smile. find out about them. he took an interest in me.
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. Some people are just genuinely grumpy or mean – but these people are not the majority. you only aggravate yourself. 154 . brag or whatever they wish. 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. the more two-way they’ll become. Have faith and patience that the longer these relationships last. Most people react in a negative way due to circumstances. it might be. But the funny thing about building these bridges is they work both ways. at first. Let the person tell the story.Lifemoney Let’s say that you are a very good racquetball player. 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. Try it and see how it works. Let the other person feel important and appreciated. and someone you are talking to tells you about a game of racquetball they played. In building up conflict instead of offering genuine kindness. They’re getting enjoyment out of reliving an experience or sharing an insight. Even though you can relate to the story because of your expertise. The more you listen to others. Don’t take that away by changing the subject to you. If this sounds fairly one-sided. But you need to be genuinely nice. and telling your stories. Don’t fake it! Did someone cut you off on the road? Maybe she was going to see her husband who has been injured in a car accident. the more they’ll learn by example and start paying you back– by listening to YOU. Step # 3: Don’t Undermine – Understand It’s easy to criticize. you don’t have to interject your knowledge or skills.
screaming and struggling to free himself. He dropped his tools and ran to the bog. “I want to repay you. Maybe you got up on the wrong side of the bed.winstonchurchill. His name was Fleming. 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. 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. “You saved my son’s life. The next day. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. Crazy things happen when you reach out to people and pay some kindnesses forward. Maybe you weren’t feeling well. was a terrified boy. There. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. even though you typically arrive on time. he heard a cry for help coming from a nearby bog. while trying to make a living for his family. One day.People Think back to a bad day you had recently.org/i4a/pages/index.cfm?pageid=102.” said the nobleman. Then the boss yells at you for being late. mired to his waist in black muck. On the way to work you get stuck in traffic due to road construction.” 155 . Farmer Fleming saved the lad from what could have been a slow and terrifying death. a fancy carriage pulled up to the Scotsman’s sparse surroundings. and he was a poor Scottish farmer.
” And that he did. “I’ll make you a deal. the same nobleman’s son who was saved from the bog was stricken with pneumonia. “Is that your son?” The nobleman asked. Years afterward. Farmer Fleming’s son attended the very best schools and. the discoverer of penicillin. At that moment.” the farmer replied proudly. and went on to become known throughout the world as the noted Sir Alexander Fleming. but I think people can tell when you don’t remember their names. 156 . I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. I can’t accept payment for what I did. and it’s a little bit insulting. graduated from St. If the lad is anything like his father. in time. This not only looks bad. he’ll no doubt grow to be a man we both will be proud of. What saved his life this time? Penicillin.” the Scottish farmer replied waving off the offer. the farmer’s own son came to the door of the family hovel. Let me provide him with the level of education my own son will enjoy. Mary’s Hospital Medical School in London. The name of the nobleman? Lord Randolph Churchill.Lifemoney “No. “Yes. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. I know it is because I never really made a true attempt to focus on remembering them. His son’s name? Sir Winston Churchill.
you might think “sad Brad” or if they look happy. but I will stress what’s in it for them: a great rate of return. the value of the proposed deal. If their name is “Brad” and they look like Brad Pitt. “glad Brad. Let’s talk about that sometime. For instance. it’s easy. Brian.” Another popular technique is to associate their name with something visually unusual. 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. 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. Where do you work? Is that right? Sounds interesting. Brian. “Nice to meet you. nice meeting you. These little tricks work amazingly well and are well worth the time it takes to practice them. Again. Let’s say for example that I need help with financing a business deal that’s important to me. they will be interested in helping you in exchange.People I would suggest you develop a system that helps you put greater effort into this huge priority. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. the intangible benefits of having their name 157 . But if they look like they’re very tired and sad.” You get the idea. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. One idea is to repeat the person’s name out loud a few times during the introduction.
a case of beer or concert tickets. 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. whether a free meal.Lifemoney associated with the project. I’m always thinking “what do they want. the fun we can have together as a team. a coworker or a friend. when they did help. That only happens in courts in front of judges. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. too. If a friend is remodeling a kitchen. how 158 . offer to help. The winner of an argument in real life is often the loser in the relationship. …you get the idea. energy and commitment – will be that much greater if you provide people with something they want. 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. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. All you will do is make the other person feel bad. they would have behaved differently. Remember that getting the support you want depends in part on providing others with what they need. stupid and embarrassed. 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. and how can I give it to them?” I am not saying you can’t get help any other way. but the level of intensity – time. inferior.
Show. don’t tell. do nothing but harm. Speak from a calm center. Arguments. I make a big distinction between arguing and disagreeing. Let others mention your accomplishments before you do. Step # 8: Think Before You Speak In any discussion. upset or just want to communicate with someone they care about. people argue because they are hurt. Don’t brag.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. particularly defensive and mean ones. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. aggressive individuals that think they know it all. even if it’s negative communication. and even then be careful. Disagreements on the other hand can be powerful sources of new information and a chance to grow. Don’t act rashly or lash out. Don’t speak out of anger. Keep in mind that everyone is born equal and deserves to be treated that way. Think about someone in your past that pushed unwanted advice on you. Think your words through. Don’t give advice unless it is requested. Always try to look inward to the core issue. 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. be self-controlled. Often. be it personal or professional. Wait for your opinion to be asked before shoving it at someone. Relax. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. no one is impressed.
Can you look back on a time when you did something nice and the person didn’t even mention it? Maybe you mailed a gift to a relative. What make yours so special that you should complain loudly? Don’t tell your problems to people unless they are directly involved with the solution. but we all have problems. It makes a deep and lasting impression that money can’t buy. even after working hours of unpaid overtime. To get along in this world without becoming an irritating whiner. Don’t cry or whine over any of this. Shake hands firmly and introduce yourself when around new people. From time to time you may even take the blame for something that isn’t your fault. Step # 10: No Whining Allowed No one likes a whiner. but it’s extremely important. Some of those mistakes will be at your expense. You would be surprised how far all of this will take you in building relationships.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. lower your expectations of others and increase them for yourself. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. Always say please when asking for something. It’s not that your problems are unimportant. Look people in the eye and give them respect when you speak to them. Just remain calm and don’t shoot your mouth 160 . This may seem like a small thing. but he never called or wrote to say thanks. Take courtesy even further. Everyone makes mistakes and will disappoint you at some point. but received no sense of appreciation. Or you might have helped a coworker with a difficult project. A few sincere words written in a card or spoken with a smile can go a long way toward making someone feel that his or her efforts are valued.
Would you want someone to take your most valuable asset away from you? I learned this the hard way when I was first starting out in sales. more opportunities will be sent your way. If you can’t be trusted on one issue. You never know when you might have to go back the way you came and deal with that person again under better circumstances. The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault. Step # 11: Your Word is Your Bond Do what you say you are going to do. I had an appointment with someone and I showed up 15 minutes late. When people know you are dependable. to a successful person. chances are your credibility will be shot for all that you do. but this true story illustrates how sensitive some people are to lateness.People off and burn bridges. As I mentioned. especially in business. being late is a sign of disrespect for someone else’s time. time is their most valuable asset. Even if it is just to arrive to a meeting at a certain time. Also. 161 . 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. Your word means everything.
If it’s someone who is really just negative and brings you down. 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. To get rid of the people who will hold you back. like fishing or playing cards. or that costs you plenty when it does get a running start. or who tell you to give up because you have more important things to do. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return. If you don’t like 162 . but you have to put first things first if you ever plan to reach your goals.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. They may be hardheaded bosses who refuse to think out of the box. They might be an older brother who sets a bad example with his drug use or gang activity.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. You probably already know who some of these “avoidable” people are. Problem people often hide in plain sight. It’s not that you can never enjoy recreational time. put you down or turn you off. It could be a friend who is always cooking up a crazy idea that never gets out of the starting gate. They can be so-called “pals” who don’t believe in you. while your reputation is merely what others think you are. politely let them that you will get in touch when you have time. don’t be afraid to cut ties totally. because your character is what you really are.
It might be a mentor who leads by example or. the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. make sure that you’re always riding the right bus for you. if they’re far away. it’s simply a move in a new direction. They’re a little harder to find. Find a new bus or another means to get there. In fact. for every troublemaker you tell to hit the road – or get off your bus – make sure to pick up a motivator or two as a replacement. If they’re nearby. Either way you’ll know these motivators because you’ll feel an instant attraction to them.People where the bus is going or you changed your mind in the direction you want to take – get off. Either way. you must also make room in your life for the motivators. quite literally. Just as you must get rid of the people who will drag you down. seek them out. It’s not quitting if you’re the one doing the choosing. cling to them. as well as your plan for getting there. And the more you hunt for them the more they will be attracted to you. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. They might be a good friend who listens while you describe the goal you want to reach. A motivator can be anyone who trusts you to follow your dreams. or they may be a total stranger. 163 .
” -Brad Turk 164 .” -Brian Tracy 12 Steps for Power with People Summary I’ve packed some of my best people skills into this lesson. Don’t move off to try another one until you’ve seen results with the first one. Then magic happens. Associate with positive. 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. This is the best way I know of to master this list. keep using it until you don’t think about using it anymore because it’s so natural.Lifemoney Lifemoney Currency “Get around the right people. In fact. Lifemoney Currency “One skill you act on is better than 12 that you don’t. What’s the best way to learn them? Choose any one of these and use it today. goal-oriented people who encourage and inspire you.
_____ 9. I am learning to be a good listener. I always remember the “what’s in it for me” rule. I am taking an active interest in people _____ 3.” -Brad Turk 165 . _____ 7. I don’t whine. _____ 5. Lifemoney Currency “Find people to make up for your lack of know-how and. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. I have a good sense of which people to pursue and which to avoid. although I can politely disagree. _____ 10. and I often make efforts to give without expectation of receiving anything _____ 4. I make efforts to express appreciation and good manners to others. I keep to my word. _____ 8. you WILL know-how.People Millionaire’s Checklist: Check all the items below that you agree with. _____ 2. I try to stay calm and avoid arguments. and then tally your score. _____ 6. eventually. I understand the value of tolerance when dealing with difficult people. A huge part of receiving is giving.
” -Willie Nelson Overview Someone once said. a well maintained attitude and a “no excuses” outlook.Lifemoney Lifemoney Lesson # 9: Positively Thinking “Once you replace negative thoughts with positive ones. whether you believe you will or you won’t – you’re probably right. That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction. 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 . 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.
As a general statement positive thinking plays a powerful role in helping us achieve what we set out to do. 167 . or the fame of her dad but everyone in school wanted to be near her. Her father had been an executive producer of some very well known films. I saw her complaining everyday about what I thought were very trivial things. you create road blocks that stop you from achieving your goals. believe that it can happen and know that you have what it takes to make it happen. On the contrary. or do you think that it probably won’t happen for you? This question is like a fork in the road. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. it appeared she had everything that a person could want. From the outside looking in.Positively Thinking Do you believe you can reach your goals. He was both successful in his field and wealthy. if you focus on the positive. If you focus on the negative. The Multi-Millionaire Blues A good example of how attitude. I was amazed to see how miserable she was. her money. You just have to know that you’re heading in the right direction. you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. and whichever direction you take in your mind will probably dictate your destiny. When I finally had the chance to meet her personally. 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. I don’t know if it was her beauty. It appeared that everything annoyed her and she was never happy. I figured she would have far fewer worries than other people! In getting to know her. happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college.
“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. do. and say. 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. 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. Maybe you come from a family with many losers and too few winners. They complain about all the ways in which other people or circumstances are standing in their way. So don’t worry about what you can’t do. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness.Lifemoney I stayed away from her negativity and did not associate too much with her. what you attract into your life and your ultimate success. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. Maybe you will be the one family member who can show the others that success is possible? That would be a wonderful Lifemoney gift to give them. focus on what you can do. Though you have no control over the actions of others. You might feel as though you are destined to continue the long line of defeat. I heard a few years later that she had attempted suicide. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. It’s not what you have but how you perceive things that really counts. you do have complete control over what you choose to think. 168 .
If you grew up wealthy – good. so use it positively. You have the resources others don’t have. I was able to become wealthy. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. STOP! Forget the excuses! If you grew up poor – good. you better change your mental channel. If you catch yourself repeating the complaints above.” Your mind is yours. I want you to understand that you’re holding the remote in your hand to switch to that channel. Lifemoney Currency “Just can’t live that negative way…make way for the positive day.Positively Thinking Practice turning negatives into positives. there is nothing stopping you from becoming all that you dream of becoming. You have even more desire to do better than others may have. It starts in your head with your mental remote and plays out in reality. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. You dream 169 . Change the channel and play the role starting now. In America. 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. What makes you different from any other human being? Nothing! You should be able to attain all the things you want in life including your dreams. If you feel yourself beginning to argue with me.
Goal Achievement Exercise T Take out your Workbook. you implement your plan. Also. It was the mental focus on all that he did that made him the best in his field. Arnold Schwarzenegger went into every competition thinking he was the winner. write down a lesson you learned from this failure. 170 . Get your mind on the right channel and the body will do its part to follow the plan. that had to be coupled with hard work and long hours in the gym.Lifemoney it. This attitude and confidence spread and led everyone else to believe the same. and owned the feeling of a champion. took it on as his personal goal. List five failures that caused setbacks in your life. Failing does not make you a failure if you let it teach you lessons. This is the way you turn negative experiences into a positive ones. but he said that all the intense effort and workouts did not give him the extra edge that he needed. He visualized it. Failure can be a very positive experience if you dig through it to find a good lesson. you have a smart plan. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. Do it and watch how your outlook brightens. you work hard to get it. and explain how you will avoid one of those failures in the future. The mind rules over every part of the body. and guess what? It’s yours. Obviously.
how can you use that knowledge to help you in the future? People don’t just fall into piles of money or get yanked into auditoriums to receive awards. Understand that a positive mindset happens first.Positively Thinking Lifemoney Currency “Many of life’s failures are people who did not realize how close they were to success when they gave up”. Negative people complain about things and positive people fix things. but it does happen. It usually doesn’t happen overnight. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 . would you handle things differently? If so. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. Which have you been? Be honest with yourself. But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking. a Donald Trump in real estate or a Jay-Z in the studio. Looking back have you been a complainer or a fixer? If you had it to do over. Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by. If you want a piece of the action. They have a mental certainty that what they’re doing will lead them right to where they want to be. -Thomas Edison Don’t Complain . Rather they give years of their lives charting a positive course and expecting greatness.
These are all signs of a distressed and negative mindset. that a former teacher encouraged because you secretly had no confidence in your ability. Positive thinkers are always focusing on ways to positively impact their world. Instead of whining about what you don’t have. like drawing. and never feel played out. and a role model. and get frustrated. did a previous employer offer to pay the tuition for you to return to school. Make a mental note not to miss these kinds of opportunities again. especially if it was a thought that stopped you. stay open and be ready to jump into action. get it in positive ways by becoming an encourager. The solution is to stop complaining and fix your attitude. The same is true about anxiety. 172 .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. Begin positive. start looking for what you can get. Why? Negative thinkers typically think that they’re stuck and will be miserable forever. Begin using positive thinking to search for new ways to impact your life. but we can control our responses to them and the actions we take as a result. If you want people’s attention. Is stress holding you back? Stress is often closely linked with a negative mental attitude. People are much more likely to admire and support you if you adopt this mindset in your everyday life. How do you do that? You’ve heard me say that we cannot always control the events in our lives. an inspiration.
cultivating new relationships (or restoring old ones). Include options like going back to school. When you’ve completed this list. Make the list with a new sense of optimism and hopefulness. Lifemoney Currency “Attitude is a little thing that makes a big difference. overcoming a bad habit. That’s a great first step in positive thinking.” -Winston Churchill 173 . make a new list of potential opportunities for the future. developing new skills. anyone can start from now and make a brand new ending.” -Anonymous Goal Achievement Exercise U Take out your Workbook. These could include lost academic. employment. or relationship opportunities. This list is very important in your Lifemoney process because it points out potential areas of negative thinking you’ve engaged in and will need to steer clear of in the future.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. Make a list of opportunities from the past that were missed due to negative thinking.
Helen Keller.” -Lou Holtz. Positive thinking sets them on a course for achievement.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. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. football coach. Often when we look at successful people we only see the end result without understanding what they had to go through to get where they are today. or at least their little piece of it. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. who minus sight and hearing became a model of inspiration to others. broadcaster 174 . 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. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. Some famous examples include Beethoven. whose deafness did not stop him from composing classic musical compositions. I never had a crisis that didn’t make me stronger.
so you’re already way ahead of them.Positively Thinking Worst Case . Then take on life without apology or embarrassment. most people in your audience would rather die than speak.Best Case Try this experiment to create more positive thinking. You may submit a proposal and wait months before 175 . Don’t be intimidated by life situations like this. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. many of our efforts don’t bring immediate results. 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. What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. And if they did laugh. What’s the worst thing that could happen if you failed? Is that really that bad? Would you get over it if not immediately than eventually? Let’s say for example that you were afraid to give a speech in front of a group of people. So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. so what? Who cares? Besides. Think about something that you are afraid to do because you think you might fail. Instead think in terms of best case/worst case. who is going to think twice about your errors after they arrive home that night? It would never happen. Most people don’t remember what even great speakers say! Besides.
Without those first small steps there could be no end result worth noting. 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. This relationship is going nowhere. why not be positive. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. 176 . Think of it this way: you’re going to have to spend the day in some way. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude.Lifemoney getting a reply. Unless you’re prepared to wait. She’s probably like all the others. Had I let negative thoughts overtake me during times when it felt like I was not getting anywhere I wouldn’t be where I am today: a self-made millionaire still young enough to physically and mentally enjoy my success. Do you ever catch yourself saying negative things in your head? It’s human nature to soak up some of the negative energy surrounding us. 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. The way to get over them is to keep it moving until something positive does happen. Everyone faces down times. It’s time for a change. Stay positive by remembering that lesser. lack of feedback can lead to negative thinking. 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.
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. Really look carefully at these statements for a moment. trying to get into graduate school. The idea is to simply stop thinking negatively and to find something good to say “yes” to. The key is to quickly counter the negative talk the instant you recognize it. the faster your mind will change into a direction that goes forward. I’m going to call her and plan something exciting. But that is the time to push the envelope to reach your dream. Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. For example. especially if others are telling you it won’t happen. They rob you of positive energy and momentum. it may seem unreachable at first. or climbing to the top of your profession may seem unachievable at first. going back to college at 40. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. 177 . We ought to try a little longer in case this turns out to be something good. 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. Or maybe the girl has a habit that reminds you of someone you used to date.
Goal Achievement Exercise V Take out your Workbook. write down positively phrased replacement terms you can use as success thoughts. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1. I will speak up at today’s meeting. The more you say it.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. I will take my wife to Hawaii next year.” (Too short and vague) 178 . 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. I do not need second helpings.” (Too long and detailed) 2. I call these “success thoughts. “I’ll stop spending. and repeat it often. Be specific and limited. “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.” They’re like a subliminal message you play in your mind whenever you’re beginning to lose confidence. To avoid negative self-talk and track negative thoughts. Nothing can block my success. the sooner you will believe it. Make your success thought as specific as possible.
“I won’t charge more than $50 weekly. 179 . When you fall down. but you have to think positive. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance. it’s how you view them and what you do about them that matters. Lifemoney Currency “Anything is possible. “I’ll use just one credit card. Everyone makes mistakes. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction. such as. detailed and valuable) Use your imagination to come up with more positive statements like these.” (Positive. update the success thought for a related goal. and you have to fight.Positively Thinking These thoughts are both non-specific and vague – You’ll stop spending for how long? Forever? Neither of these statements will be particularly helpful in the real world.” (Positive.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. specific and helpful) 2. “I’ll pay my balance each month. After a few weeks.” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. Instead. but the important thing is to think positive. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. pre-recorded message that reminds you to stay on track.
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. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains. Don’t let anything keep you from getting it. Keep focused on what you want. remember that you are responsible for how your life turns out.” 180 . Think about the things that are positive in your life.Lifemoney Don’t let past failures hold you back. Although others may have held you back at one time or another or you may have to seek help to reach your goal.
and then tally your score. _____ 7. I am learning to manage personal and job-related stress by positive. not a loser. to fix my situation. _____ 6. _____ 8. some view the glass as half full. _____ 5. I keep moving ahead even though I’m not getting immediately rewarded. I will continue viewing myself as a winner. _____ 3. I view the glass as half full. I will not let others’ pessimism interfere with my plans to reach my goals. with the waiter on his way over to fill it up. Lifemoney Currency “Some view the glass as half empty. proactive thinking.” -Brad Turk 181 . _____ 2.Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with. I will act as if I’m in the role I want to play. I am making consistent efforts not to complain. giving yourself 10 points for each checkmark and 0 points for any left blank. but rather. _____ 1. _____ 10. _____ 4. _____ 9. I can see how past accomplishments have prepared me for the future. I refuse to hold on to negativity and past misbehaviors. I repeat success thoughts to myself as often as possible. I am watching for opportunities to say yes to.
it just doesn’t come naturally. When you recognize that sacrifice is frequently a part of success. 182 . I forget all of the things that have broke. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. If we could find a way we’d have it yesterday. I had surgery 14 times to pin and plate. Not true.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries. We want it now. I shattered my pelvis. But I have broken 35 bones. We want it all. Successful people know that dreams don’t come pre-packaged overnight.” -Evel Knievel Overview Few of us do well with sacrifice. They say I have broken every bone in my body. it turns denying yourself into investing in yourself.
would you? 183 . but I can tell you that Spike would probably say yes. Since then Spike Lee has produced at least 22 other films that have made over $433. you have to make those kinds of sacrifices. grateful for the opportunity to have all the work they can handle. Some work two and three shifts for years at a time.000. In 1986. store or business. some become millionaires.000 to make the movie and it grossed $7. 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. Was the sacrifice worth it? You’d need to ask him. Many immigrants come to this country with nothing but the shirt on their backs.Sacrifice Borrow. Yet. It cost him $175. They are simply unwilling to sacrifice anything to get where they want to go. Why? Because they work hard. This much I can tell you. I will tell you right off the bat that I wouldn’t be.000 in sales. rigorous job to get where they want to go. But if that was the only way. It’s a real risky strategy but sometimes when you believe in something strongly enough. there are people who were born in this country who complain about the lack of jobs. sleeping just a few hours a day. sacrifice is often a part of any success story. Ask filmmaker Spike Lee. 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. She’s Gotta Have It. off the ground he did just that. Spike Lee knows that sacrifice can pay off . Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants. saving every penny to open a restaurant. They lay everything they have on the line. to get his first film project. Within a generation.000 in domestic box office sales.100.
184 . There were no shortcuts to success. Pulitzer Prize winning political cartoonist.” -Dali Lama Sacrificing for Success Mike Luckovich. 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. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. Lifemoney Currency “Judge your success by what you had to give up to get it. 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.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. at almost any cost. These answers are all good preparation for those moments when the amount of your personal sacrifice is tested. He had to sacrifice his nights and his only free time in order to get where he wanted to go.
and you will have to be ready to give it when the time comes. Below the goal you just wrote.. What do you have in your life now that is expendable. list three things you now do. They are costly and precious. Jr. He could have taken the easy route to avoid jail time. or he might have gotten discouraged and given up.Sacrifice Martin Luther King. $100 per month for a gym membership. or is your goal just a casual want? Only you know. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return. if becoming more physically fit is one of your goals. spent months in prison rather than surrender his belief in equal rights for all people. Choose one of your goals and write it out. have. But he stuck with it. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. and I can’t make up your mind for you. 185 . 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. Goal Achievement Exercise W Take out your Workbook. However. Ideals are not cheap. and/or enjoy that you are willing to part with in exchange for your goal. and giving up your weekly poker game to play tennis. For example. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice. etc. You have to be willing to do whatever it takes to claim them. your sacrifices could include six hours of your time each week for daily workouts. improving the lives of millions of people. List the tradeoffs you are willing to make to reach one of your goals.. I am committed to helping you get where you want to go.
But as we’ve seen that’s not always the case. there would be no effort or cost attached—and they would mean very little. If you could just reach out and get them today. One is given everything by rich parents who buy her everything she needs and most things she wants. Success has value because you have to work for it – you earn it.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. you proudly go out and purchase the gift. presenting it to your friend or loved one with a sense of tremendous accomplishment. When you get enough. you eagerly add a few dollars here and there to save up the needed amount. But after years of careful thought and unwavering perseverance.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. Which one do you think 186 . 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. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. they will mean the world to you because of what it cost to reach them. 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. You can view your goals in the same way. when you do reach your goals. Imagine a scenario of two young women. They’re both chasing the same dream: business success. Whether it costs $20 or $200.
Develop a needed skill through a second job.Sacrifice appreciates the success more? You know the answer.” Do you feel that way about your road to success. sweat and tears for something you’ll own it in a way that nobody else can appreciate. or taking a class. In planning for your future. have a question. But no plan is complete without counting the cost of reaching your objectives. Get feedback from those who already have accomplished similar goals. Find the non-essential time-eaters in my life and eliminate them. Seek help when I get stumped. 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. etc.). money. Invest a certain amount of income toward reaching my goal(s). “anything worth having is worth working for. Are you ready to figure out what it will cost in time. volunteering. at least temporarily. write a book. That cost is part of the joy of success. You’ve probably heard the saying. you have already begun to outline some of the goals you hope to reach and have created a plan to get there. • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. Put less important things on hold. or run into problems. 187 . 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. Why does she appreciate it more? It’s common sense that when you pour out your own blood. Period.
” -Sidney Howard Number 2: Delay gratification Sociology experts tell us that one of the differences between the lower class and the upper class is the ability to delay gratification. It’s a simple fact of life. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. you will have enough for today and tomorrow. too. 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. The wealthy will have enough from current savings and investment plans. But if you save and invest it. They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals. but less than twenty percent of the population do so. What percentage of your daily schedule do you devote to working toward goals? Are you so preoccupied with getting by today that you haven’t given much thought to the days that will follow? You really must plan on setting aside between three and six months’ of income in case of a job loss or disability. 188 . there will be nothing left.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. Underachievers live for the day and overachievers live for the future. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come.
List two or three fun things you want to do today. almost any achievement in the world will become immediately more achievable. Let’s build your ability to delay gratification. or at the end of the month. Do this exercise well and discover how much more you get done and how much better you feel. play tennis. This might challenge you and be a little difficult. When you have successfully conquered the need for instant gratification. we collect paychecks every week. For example most of us don’t get paid for our work at the end of each day. All of these things take patience. go shopping. etc. Instead. Then underneath each item you expect to give yourself today. list something you will get done before you have your fun. List one or two tasks you will have to complete before you get your reward. In other words we’re doing it anyway. every other week. which in the end brings it own kind of reward. Often we don’t find out about a medical test result for several weeks. Make sure that those things on your list are things you really want to do. watch your favorite television program. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. 189 . Goal Achievement Exercise X Take out your Workbook. It might be go for a walk. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. When you think about it.Sacrifice Delaying gratification is something you get used to. many areas of our lives undergo postponement. eat some ice cream.
So do it.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. especially if you begin with a reasonable amount. Depending on what you hope to achieve someday. and it may seem difficult at first to find enough extra income to make regular deposits. Start small. you can arrange for a direct deposit straight from your paycheck. setting aside time for future rewards is like making deposits in a savings account. so you will never miss the amount of each savings account deposit.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. But you won’t know that until you pull the trigger and get moving. You may be reluctant to open a bank account. family. We barely have enough time to get through a typical day with the demands of work. Because I know if I do. But with a little effort. the results will come. Most of us lead busy lives. making community contacts. then I can expect halfhearted results. The same is true for working toward your future goals. But actually. say $25 per month. doing 190 . I don’t do things half-heartedly. pulling the trigger and going for it. and social activities. Many goals that seem hard at first become easier once you get momentum established. this could involve reading. Devote fifteen to thirty minutes several days a week to your goals. Just do it. Finding time to work on long-range goals may seem impractical.
None of those tasks took a long time – but each one was a step toward realizing a goal. You put in 191 . fully aware that not all of it will produce rewards. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. Whatever it is you must give up. keep in mind that you may have to work through several levels of effort to reach them.’ but he didn’t know which half. 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. And keep pulling the trigger at each “next” level of achievement you’re taking. of course. But if you keep pulling the action and sacrifice trigger.Sacrifice volunteer service. so pull the trigger now and get your show rolling. 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. Remember that one of the keys to success is to learn everything about the role you want to play. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. Whatever your goal. do it. His point was. Life is a bit like that. if you want to get involved in local government. For example. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. Naturally. Pull the trigger already. that if you can’t tell which half. or volunteer as an aide to learn the ropes. Everyone has to pay their dues as they work. this means you’ll have to give up something in exchange for this valuable daily time. then you have to keep on doing the whole lot. you will be rewarded. Sometimes it seems unfair. you may need to first attend some political rallies. visit with your representative. from the inside out.
Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work. I know it isn’t fair.Lifemoney loads of effort and get nothing back. Your efforts will be rewarded eventually. 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.and which aren’t. It’s a simple lesson that has never failed to produce great results for me.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure.” This quote summarizes a great lesson I’ve learned throughout my successes.or for what -. but then life isn’t. The lesson is that you must continually give 100% effort in the direction of your dreams. This is the shadowland of hope. and others cruise it. You work up a sweat. The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. engraved there to inspire the youth of that school. but you’ll probably never know which efforts are being rewarded -. It reads: 192 . Well. You’re polite to people and everyone seems rude back. and anyone with a dream must learn to live there. you have to keep doing the 100% because you don’t know which bits will pay off.
an Irish cop played by Sean Connery. and someday my chance may come. 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. Good things don’t just happen to us. if you build your Lifemoney. Nobody wants to hear about effort and work and sweat. and then force ourselves to work hard for them. The good news is that if you’re in love with your dreams and want them so badly you can taste them. Sacrifice is sort of the dirty word of success. 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. Are you prepared to follow this through. But show me someone who has achieved their dream without it. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams. 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. the work doesn’t seem like work. At the climax of the movie. What are you prepared to do? 193 . Instead. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. Maybe they should. Those people just don’t exist. In the movie. In addition. but they rarely do. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. we have to figure out which ones we want most. having been mortally shot. one of Ness’s fellow agents. then he dies. One of my favorite movies is The Untouchables.Sacrifice “I will study and get ready. It’s not nearly as bad as you might think.” The emphasis is on the preparation.
sacrifice pays off. What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. But don’t dwell on the negative aspects of “what do I have to give up?” Instead. Keep your eye on the prize and focus on what you’re going to get in return. at almost any cost. the payoff will eventually be seen. Only you can decide what you are willing to give up in reaching your goals. No one likes to sit around wondering what he or she has to give up as an investment in a dream. Be prepared to give up more of what you have to get more of what you want. focus on “what am I going to get in return?” Investments of time or money are long-term deals. to reach out and grab your future? Don’t spend the rest of your life wondering what might have been.” -Wayne Gretzky 194 . But if you keep putting in the effort. and some require harder work than others. Most do not pay off immediately. In the end. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in.
_____ 3. _____ 2. I am prepared for life. _____ 7. _____ 1. I believe that planning for the future is as important as getting by today. _____ 8. _____ 6. I am willing to set aside less important activities to focus on my goal. giving yourself 10 points for each checkmark and 0 points for any left blank. I will put forth 100% effort at all times. I am willing to pay the cost that is required for me to meet my goals. I have identified several things in my life that I must sacrifice for success. _____ 9. and then tally your score. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . _____ 4. Some of my goals will require that I hang tough.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. I have calculated my goals’ financial costs and scheduling adjustments. ____ 10. _____ 5. I am pulling the trigger on my talent today. I am learning to delay my gratification for both the present and the future.
” -Don Williams. Yet our lessons come from the journey. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results.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. It is the ability to let go of the need for immediate gratification. I mean the ability to sit back and relax while waiting for an outcome. without experiencing anxiety. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. tension or frustration. J Overview Having patience is a key ingredient to successful living. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. By patience. 196 . not the destination.
jobs and friendships. There are many negative consequences on health. without which you are going to suffer. the results just won’t last long. Gradual change and growth give you the greatest chances for success. This can further result in losing important things like business relationships. 4) I hate having to do or say something more than once. you run the risk of anxiety. 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. which is a powerful force that gets things done.this task has two many steps. When you stress yourself to create results too quickly. from impatience. How do I differentiate the two? A sense of urgency is a good and powerful 197 . This is one of my personal flaws that I am working on. I’m going to move on to something else. I have to be honest with you: I happen to be a very impatient person. 5) If something doesn’t work immediately. But I am careful to differentiate urgency. It’s as if patience is a simple building block of satisfaction. 6) I just don’t know where to start . unhappiness and sometimes even anger.Enjoy the journey 2) I will never get to all the things I have to do. you need to be patient and wait for your results. When you force efforts. which can be very destructive. 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. relationships and personal growth when you lack patience. Once you have done your best to plan your success and have pulled the trigger and put your full effort forward.
It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. If I can’t change or alter a situation.Lifemoney tool. And this is probably true for you too. 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. and don’t let the things I can’t control stress me out. It’s a quality that helps me act quickly and get an enormous amount done. I need to clear it from my mind. urgency turns damaging and can lead to senseless and sometimes destructive impatience. 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. For example when I take on tasks that are really time consuming (this book for example). If I’m not careful this can create impatience in me. I have an unrealistic expectation of speed. Mexico. This is a struggle for me as it might be for you. I told 198 . I can’t control those timeframes. Based on where I was in the process and the faith that I had in my contacts in Mexico. I’d brought on an investor to put up the money for the deal. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. But when urgency is applied to things I can’t change. 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.
I picked up my things and told the company I was meeting with that I would look over their new terms. me not speaking a word of Spanish (or only enough to order dinner and maybe get directed to a bathroom) and no deal on the table. Outraged by what transpired. regroup and come up with a game plan. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. I immediately extended my trip from 2 days to a full week. It took all the Lifemoney lessons I talk about in this book to get me through this situation. I noticed that they had changed all of the terms of the deal. Based on the trust that I had built with the investor on past dealings. and then I left the meeting.000 that was needed to get this project going.600.6 million dollars.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. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . I wanted this deal done. $1. So there I stood in Mexico. 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 flew down to Mexico for my big meeting and to sign paperwork. There was so much I had no control over. 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. he decided to partner with me and put up the $1. a partner who trusted me enough to put up that $1.6 million already invested in the equipment needed for this project. When I sat down in my meeting and went over the paperwork that they had prepared. and patience was number one.
Get preoccupied with another task until you have results from the first. Focus on the results and not the task. If you understand that success is a journey you will begin to enjoy each moment and will realize that being impatient is counterproductive and takes away from the joy of life. I wound up getting an even better deal than I would have initially. Do something fun and celebrate your incremental success. I would have never completed this deal that wound up being a very successful project for me. I started making calls and finding out key contacts and setting up appointments. 200 . • Stay busy. If your goals don’t seem to be on track. If I did not have the patience to stick this out. • Reward yourself for completing something difficult. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire. I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. Why? Because I was patient and focused on controlling what I could control. Look at the things you have accomplished to date.Lifemoney had met with. reevaluate your objectives and make your goals more realistic for your needs. 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.
You need to live today like it was your last day and plan for tomorrow as if you were living forever. For example. If you do. I’ll realize today is beautiful and I should appreciate my health. I find something to make me realize that it’s not as bad as I think it is. Are your problems really as serious as you think they are? I think about my problem and imagine how it will affect me 5 years from now. you will wake up and have missed out on what life really has to offer. 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. Who said life has to be hard? It is only tough if you make it tough. Chances are you will look 201 . In 5 years looking back at the issue. I open the window or take a walk outside and enjoy it.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. We need to count our blessings and enjoy what we do have and make the most of every day. Don’t take time for granted and let your life pass you by. The 5 Year Test Another very effective technique I use is the 5 Year Test. When I am having a bad day. 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. Think of all the fun and excitement you will miss if you don’t savor every moment. before you know it. Here’s a very personal technique I rely on to help me enjoy the daily journey. 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. You need to start enjoying a little everyday.
so we need to make the most out of our time.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. it probably has no bearing on your life now at all. 202 . You will remember that in 5 years. List 2 problems that you have had in the past. a joke. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. they seem unimportant. spending time with friends or family. A good meal. Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. Getting fired from a job? That may be a blessing in disguise. A death in the family is terrible and needs grieving. or listening to good music should be enough to keep us going and to get us over daily disappointments. Don’t let one day pass you by without appreciating something that you may never have or see again. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. that when you look back on. Now. list 2 problems that you are presently facing and put them through the 5 year test.” Do you remember your first break up? No matter how sad you were at the time. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. Time moves faster than we all want to believe.
"It was so simple. I figured he’d fly to Italy or have lunch with the President or romp on the seashore or try every exotic thing he could think of. a swim.175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals. "That’s it. Morrie.how could he find perfection in such an average day?" Then I realized this was the whole point" (p.. going out to a restaurant for supper. unable to move a leg or a foot .What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea." Morrie replies." he is asked. Don’t overlook the obvious in your quest for the brilliant. dancing. lying there. After all these months. a walk in the midst of nature. Tuesdays With Morrie. at the end of the day what is truly important may be the simple. 203 . author Mitch Albom visited a former professor. Albom asked Morrie a question: "What if you had one day perfectly healthy . talking with people. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease. In a chapter entitled We Talk About The Perfect Day. friends over for lunch. So average.Enjoy the journey In the best-selling book. unnoticed things we do all the time. I was actually a little disappointed. "That’s it. And going home and having a wonderful sleep..
I think people are 204 . It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated.” -Brad Turk Appreciate what you have and don’t complain and make excuses. In the process appreciate what you have and enjoy it. better yet.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else. In other words. I know successful people who are making it big in things they don’t care about. Don’t make excuses find solutions and make it happen. 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. The people who succeed find reasons why they can do something. But I do agree that passion helps. the person who is unemployed and is worried they might be evicted if they don’t get a job soon. the people who fail find excuses for why they can’t. there is always someone with less doing more than you. 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. Some people complain about going to work when they work in beautiful air conditioned offices. it won’t feel like work. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. Think about the person who is working outside in the heat.
You can do that. 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. then look hard to find something you’re passionate about and consider a career change now. Try to create an external world outside of your business that enables you to have fun. He hardly noticed the leaves turning colors outside his small window. There is a story about a young man who wanted to become a famous writer.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. Sometimes the ends do justify the means. writing one manuscript after another and firing them off to the publishers in hopes of being accepted. I’ve worked in situations that I didn’t have the least amount of passion only because I knew that if I stuck with it I’d get something that I wanted out of it. In fact.and create some financial success that can free you. he locked himself into his attic office and plugged away. 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. Day after day. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. be stimulated and enjoy life…. But whatever you do. If you can’t stand doing what you’re doing. Then one day he 205 . My suggestion is that if you have a good job for which you don’t feel a lot of passion. see your job as your vehicle to get you someplace else.” At least that’s the way I am. 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.
As he got angry when she did not bring the mail at exactly 2 p. the man. List 5 things that you are going to do to ensure that you are enjoying your journey through life.. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to. Don’t stop yourself from relaxing and recouping. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money.” Ironically. Better luck with your novel.Lifemoney waited for his small daughter to bring up the mail. the object is to make your life enjoyable. Goal Achievement Exercise Z Take out your Workbook. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. If you are stiff and focused on a goal and have such blinders on 206 . Renew your energy. they were all empty of his family and furniture. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. in checking the mail. now middle-aged. Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. the man went downstairs and was amazed by the quiet that filled his whole house. But it had cost him far more than he had ever imagined. and have moved out. The moral of this story is that success by any means doesn’t always “mean” success. found a publisher’s letter saying that his book would be published. Walking through one room after another. 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. Again.
you are missing out. and sometimes the answers you generate for yourself are wrong. I don’t want to miss out on life to get my reward someday in the future. Take the time to smell the roses. If you’ve figured out what you’ll miss the most when you leave. you’ve gone a long way to deciding where to spend your free time. Lifemoney Currency “Enjoy life. Patience and Enjoying the Journey Summary Life is funny. play hard. and how to really enjoy the ride. There’s plenty of time to be dead.” -Anonymous 207 . 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. My motto is work hard.Enjoy the journey that you are letting life pass you by. because when you’re finally done and outta here. You need to have a balance. the small everyday things are the things you’re going to miss the most. It goes by both very fast and very slow. I want my rewards as I go along. This much I know: success without enjoying your journey through your days is pretty worthless.
I will find something positive out of everyday. I will practice the 5 Year Test I will not stress over things I can’t control. _____ 9. _____ 5.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with.” -Brad Turk 208 . _____ 7. _____ 1. I will break goals into pieces and patiently work on one piece at a time. _____ 3. _____ 2. Lifemoney Currency “Live today like it was your last day. _____ 10. _____ 4. I will not wait until it is too late to enjoy my life. _____ 6. I will not take for granted what I already have. I will take time to stop and smell the roses. giving yourself 10 points for each checkmark and 0 points for any left blank. and plan for tomorrow as if you were living forever. _____ 8. and then tally your score. I will take a break from time to time to rejuvenate and enjoy my life. I will have urgency in my work and patience waiting for my results. I believe my day to day efforts will have an effect in the long run.
101 Affirmations 209 .