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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....
......................................36 Millionaire’s Checklist: ...........................................................................37 Lifemoney Lesson # 2: Knowing Yourself ................17 Global Business Solutions.................................................................................................................com .....................................................................................................................................................52 A Fish Story .........................................Table of Contents Introduction: Millionaire by 30...........................................................15 This Was Only the Beginning ......................................................24 Overview...............................................................................................41 Goal Achievement Exercise B .................. .................18 Heat Wave Tanning.............................................................33 You Are in Control.....................................................10 Knowing Myself...44 What Are Your Limitations?..............................................................42 Goal Achievement Exercise C ...........................................................................31 Goal Achievement Exercise A...............................51 Make Less ...................................... Inc.................... Inc..............................................................................................................................................56 v ............................................................................. Inc...............23 Lifemoney Lesson # 1: Defining Success..................................................................19 Self Made Records........................................................................................................... Anyway? ...............................................................................................................................27 Find the “U” in “SUCCESS” ...................................................8 Persistence Pays Off ......................................................... 1 My Lifemoney ..................24 Success on Your Terms ...................................................... Not Cash) ............................................................................................................................................................................................................................................................................................................................................ Retired by 35: What Lifemoney Means to Me.........32 Win Life’s Lotto (Real Wealth is Measured by Achievement............................................................................................................................................................................................................................... ......................................................................................................................................................................................................................................38 Overview..9 Looking for Motivation ..............................................................................................13 Getting Focused...........................39 Who are you? ..................6 If I can do it… ..........................................................................................................................................................................................................................................39 Don’t Be a Stranger (To Yourself)...................................50 Goal Achievement Exercise E ............................................................................................................................................................................... / MyMusicSite........................................46 Goal Achievement Exercise D......28 WHOSE Dream Is It...................21 …You Can Do It...................................................................Find More..11 Learning About Business..................47 Get Rid of It! ..........................................38 Sometimes It’s Better to Strike Out .........6 My Early Years ........................................................................... Too!................................................................... 6 Overview...53 Can You Dunk?..............................34 Defining Success Summary ....................................................24 Want to Succeed? Sleep Late!...............................................................................................................................................48 Buy Stock in Yourself ...............................
........................................................81 A Successful Person’s Tool Belt .....................................66 Goal Achievement Exercise I ............................................................................................................................................................................................88 Goal Achievement Exercise L ....................................69 Goal Achievement Exercise J ..................................................... 101 Progress Report ........................................64 Goal Achievement Exercise H............... 118 vi ....70 Goal: To pilot my own airplane ...................................................98 Millionaire’s Checklist: ..................................89 Tool #4: Priorities....................63 Goal Achievement Exercise G..........................................................................................81 Tool #1: Focus ....................................................................................................84 Tool #2: Time Management ................116 Overview.................................................................................. 116 MacGyver It!.........................59 A Quick Review ........................................................................................................................................................................95 Gathering the Tools for Success Summary......................................................................... 110 Goal Achievement Exercise N...................... 111 Evaluating Your Progress Summary ........................................................................................................K…...........................................83 Goal Achievement Exercise K.........................................................................................72 Goal-Setting and Overcoming Obstacles Summary............................................................................................59 Step Up .............................................................................................................. 105 Maintaining Your Course ..........................................................................................................................................................101 Overview.......................................... 101 Don’t forget the map! ...............................................................................................................................................................................................................................................................................................Knowing Yourself Summary ........................................................................................60 Start by Writing a Goal.......................................................................................................................79 Lifemoney Lesson # 4: Gathering the Tools for Success........................................................................................................................................................................................................................................................................................................................................................... 100 Lifemoney Lesson # 5: Evaluating Your Progress ...........67 Nothing Can Stop Me Now….....79 Millionaire’s Checklist: ..................59 Overview.................................................................... 114 Millionaire’s Checklist: ...................................................................... 115 Lifemoney Lesson # 6: Resourcefulness........................65 Write It Down ...................................................................................................................................................................63 Timelines ..............................................................................................................................................................................................................................................................................................What If You’re Way Off Track?............61 Goal Achievement Exercise F ..............................................61 Establishing Action Steps ........................................85 Tool #3: Efficiency ......................................................................................................................58 Lifemoney Lesson # 3: Goal-Setting and Overcoming Obstacles.................................. 103 Goal Achievement Exercise M ...........57 Millionaire’s Checklist: ............71 Three Huge Obstacles.........92 Tool #5: Do or Die Trying Commitment...................................................... 107 O............................................................................81 Overview............................................................................................................................................................................................................................................................ 116 Can’t Get a Job? Buy the Company! ................................................................................
.............................................. 176 Create a Repeatable Success Thought ................. 173 The Key to Success? Live Out Of Your Car..................................................................................................................................... 164 Millionaire’s Checklist: .................................................................................................................................................................................................... 178 Positively Thinking Summary ............................................................................................................................................... 135 Dream It......................................................... 175 Keep It Moving .................................................................................................................................................................................................................................... 137 Five Creativity Factors ................................................................................................. 175 Eliminate Negative Self-Talk................................................. 151 Turk’s 12-Step Plan for Bridge Building.......................................................... 125 Goal Achievement Exercise O............................ 179 Millionaire’s Checklist: ..... 137 Millionaire’s Checklist: .............................166 Overview.................................................................................................................................................................................................................................................................................................. 166 The Multi-Millionaire Blues ... 147 Lifemoney Lesson # 8: 12 Steps for Power with People................... 183 Sacrificing for Success ...............................................Fix It ............................................................................................... 128 Goal Achievement Exercise P ....... 195 vii ............................................................... 152 12 Steps for Power with People Summary .................................................................. 133 Goal Achievement Exercise Q............................................................................................................... 133 A Lesson From Trump ....................................................................182 Overview.............................................................. 149 Goal Achievement Exercise S ....................................................................................................................................................................... 165 Lifemoney Lesson # 9: Positively Thinking ...........................................................................................................................................................................149 Overview......... 194 Millionaire’s Checklist: .............................................................................................. 166 Where’s Your Head At? ..................................................................................................................... 184 Goal Achievement Exercise W ..............................Best Case......................... 122 There’s No Need To Grow Up...................................................................................... 169 Goal Achievement Exercise T ........ 189 Sacrifice Summary .................................................. 185 Goal Achievement Exercise X....... 181 Lifemoney Lesson # 10: Sacrifice ...............................................................................................................Keep Looking ........................................ 135 Goal Achievement Exercise R .................................................................................. 174 Worst Case ......................... 130 Resourcefulness Summary............................................. 167 Change the Mental Channel............................................................................................................................ 177 Goal Achievement Exercise V........................................................................................................You’ll Find It .................................................................................................................................................................................................................................................................................................................................................. See It. 149 Sharpen Your People Skills ........................................ 182 Borrow................... 131 Millionaire’s Checklist: ........................................................................................ Do It! .................... 170 Don’t Complain .... Go into Debt and Max Out Your Credit Cards ....................... 171 Goal Achievement Exercise U......133 Overview.................... 127 Find An Expert ....................... 132 Lifemoney Lesson # 7: Creativity .........................................................................................
................................................................................................................... 201 Goal Achievement Exercise Y........................................................... 200 Enjoy the Journey.................................................................................................................................... 202 Seek Happiness in Simplicity ........................................................................................................ 207 Millionaire’s Checklist: ..................... 196 Doing Time ......................... 198 So what should you do to be more patient? ............................................................................................................................................................... 204 Goal Achievement Exercise Z ......................................................................... 206 Patience and Enjoying the Journey Summary................. 202 GOAL (Go Out And Live)........................................196 Overview.................................. 196 Mañana ..................................................................................................Lifemoney Lesson # 11: Be Patient and Enjoy the Journey .................................................................................................................................. 201 The 5 Year Test ................................................. 208 viii .........................................................
Consider it a revolutionary new way of thinking about money and success that fits the modern world of young. It’s the actual personality currency that successful people use to build the financial wealth that lets them put “life” first. Lifemoney will show you what you really need to live the life you want. But how do you create the amount of money you are going to need to build your dream life? Lifemoney is how. Lifemoney will help you understand what success really means and teach you how to attain it. not money. new entrepreneurs perfectly – but can be adopted at any age. Retired by 35: What Lifemoney Means to Me “The question isn’t at what age I want to retire.Introduction: Millionaire by 30. it’s at what income.” -George Foreman Life comes first. Money is simply a tool to help you get what you want out of life. 1 .
it’s not the dollar figure I define as Lifemoney that’s important.000 in quarterly bonuses. it’s the job that makes you happy on a daily basis or brings you closer to your goals. In this book. Part self-help. a new job or just a raise or promotion in your current job. For example. Imagine having the task of hammering a nail. If it’s career happiness you’re looking for.000 a year or $2. if it’s money that you’re after. a new home. it’s the dollar figure you define. 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.400. yet most people don’t use the correct tools to get what they want. I will show you how to do this by illustrating the attributes needed to become successful at whatever you are trying to achieve. part financial management. 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. Lifemoney is just what its subtitle implies: The proven system for creating the money you NEED for the life you 2 . part how-to.One of the most unique features of Lifemoney is that it’s entirely personal. It could be $240 a week or $240. it’s not the job that I feel is prestigious that matters. 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. be it a million dollars. Most people are looking to achieve different things – whether it’s making a million dollars or simply just being happy. Would you use your shoe? Would it work? Possibly.
This book’s objective is to show you how to attain and use these attributes to achieve any goal you desire. some executives.). I am living the life that I want to live. Whether you are looking to be the next pop star or the perfect housewife. My definition of success is simple: Accomplishing what you set out to do.My Lifemoney WANT. Lifemoney focuses on personal attributes that are prevalent amongst the many successful people I’ve met and studied . let alone both? I was a millionaire before the age of 30 and retired soon after. characteristics and personality traits that you will need to get you there. It offers a set of tools. Through my interactions with many successful and famous people (some recording artists. This book will show you what those characteristics are. I have distilled those attributes. My schedule and time belong to me and I do what I want with my days. used them for my own personal success. So who is Brad Turk and why am I qualified to write a book about life or money. If you learn these lessons – and actually follow them – you can and will succeed. But more importantly. along with real-life examples you can use to plot your course for success. and want to share them with you. there are common qualities. The exercises in the book 3 .most of whom happen to be multimillionaires. Lifemoney will give you a blueprint for success in all facets of life. I have been fortunate enough to learn that most successful people share a lot of the same attributes. etc. Instead of concentrating solely on the financial aspects of making your first million. not just financial. This book gives you a systematic approach to understanding your goals and abilities and walks you through achieving what you want out of life.
you’ll find ways of: • • • • • Understanding what success means to YOU Matching what you want with your abilities Learning to go after goals by setting specific tasks with timelines Learning how to focus. 4 . The book’s lessons are designed to move quickly and are broken up in bite-size pieces for easy understanding and implementation. While reading Lifemoney you will become familiar with these attributes. as a result be able to adopt them to fit your needs to reach your goals and attain the success you’ve always been looking for. 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.will help you discover those personality traits within yourself and develop a plan for using those traits effectively. see what works for you and. In this book.
This checklist will help you quickly see if you are developing the skills that were discussed in that lesson.bradturk. The higher your score – the higher your Lifemoney skill level. there is more to life than money but you just can’t live in this world without money. 5 . Clearly. Sprinkled throughout the lessons are A-Z Goal Achievement Exercises that ask you to reflect on how to apply what you just read to your own life. Both the Millionaire’s Checklist (Code: BAyyRJ) and the A-Z Achievement Full Exercise Workbook (Code: m3sUMQ) are available for FREE download on my website at www. Because Lifemoney is about finding what will make you happy in life and developing a plan for getting it. These proven tools are specifically designed to help you plot. Lifemoney also provides quotes from real people from all walks of life and professions who have achieved extraordinary success. I have created a list (that I use) of affirmations that you can also download for FREE at www.My Lifemoney Each Lifemoney lesson ends with the Millionaire’s Checklist. Repeat these affirmations to yourself when you need a quick boost. you don’t want to forget to enjoy the journey! I find a good way to stay happy and motivated is by constant reinforcement.com.com (Code: naNtZB). list and track your progress. What’s the answer? Lifemoney. 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. Feel free to use mine – memorize a few of them and repeat them to yourself when you feel like you’re not making progress – or add some of your own.bradturk.
tell you a little about my journey and show you how the success I’ve experienced is something you can create for yourself. I’ve found the American dream and retired early.Lifemoney My Lifemoney “It’s never too early…to make your first million.” -Brad Turk Overview I want to take just a few pages to introduce myself. If I can do it… My name is Brad Turk and I’ve done what some might say is a very difficult thing. rich and retired. salesman. I achieved personal and financial success through various ventures in the telecommunications industry. entertainment field and having a 6 . actor. Over the course of my very short professional life I’ve achieved the American dream: I’m young. business owner and entrepreneur. Through experiences as diverse as being a break dancer.
That’s what Lifemoney is all about. These lessons can be learned by anyone. Consider these lessons to be the fishing rod. I have used the attributes I describe for you in this book over and over again in many different businesses – all with the same successful results.com arena or hit the lottery. Not all of these successes share the exact same 7 . You’ll never need to go hungry again. whether it was through direct interaction with a mentor or learning from other sources. It is also encouraging to see that many successful people have started with nothing and were still able to achieve tremendous feats.My Lifemoney retail tanning salon. Instead. I did not strike it rich in the dot. and if you’re willing to be my student for just a short time I can show you how. 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. But if you look carefully at the histories of most success stories you’ll find a lot of similarities. adapting the rules of success to your personal situation. boat and everything you’ll need for a life of accomplishment and success. Think of the old story about giving someone a fish or teaching them how to fish. I think it’s helpful to see patterns in people’s lives to chart how they attained their level of success. All the successful people I discuss throughout this book including Warren Buffett. Diddy and even myself have been “taught how to fish” at some point in their lives. It is often hard for us to look at a Russell Simmons or a Donald Trump and think we could ever attain that level of success. Give someone a fish and they eat for a day. It’s not that hard really. teach them how to fish and they eat for the rest of their lives.
you can see the learning process I went through and how I overcame obstacles and dealt with adversity. I won’t be insulted. my mom and I had moved to Forest Hills. I relate this in the hopes that you too can see similar possibilities for learning in your life and understand that you can acquire the tools that are needed to be successful. I got heavily into break dancing. It was a much nicer neighborhood. You can always come back to me later). new friends and. My Early Years I began life in the Pomonok public housing projects in Flushing. New York. I learned these lessons by reading books of successful people and from my peers. 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. In addition. and no money. rapping and acting. best of all. My parents divorced when I was two and I was raised by a single mother with little to no communication with my father. new neighbors.Lifemoney attributes. (Oh. but they usually have a lot of similarities. That’s where I first learned about work ethic. New York. 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. though. She kept right on plugging away with her 3 jobs. and she was a tremendous teacher. Mom didn’t let it stop her. and by the way. It was then that I finally started to realize I wanted to be involved in the entertainment 8 . new opportunities. There were new surroundings. By the time I was in fifth grade. When I got to junior high.
and I began going into the city (New York) for auditions to try breaking into the business. Persistence Pays Off To make it in the acting field you need an agent. the only way to contact agents was to send query letters with photos and resumes. as you can imagine. To follow my dream I had to overcome several obstacles. not succumb to them. and thinking outside the box. Instead I went to visit each of the people who had received my packet to find out why they had not contacted me. I decided not to sit around and wait for something to happen. not easy.” The do-not-call rule was strongly enforced. For starters. a renowned child talent group. Finding an agent to represent my efforts was. The first agency I visited was Schuller Talent. In fact. Actually. Frustrated by the lack of response. This is when I first began to learn about the value of persistence. I planned to visit five agencies each weekday for a month to get to all 100 that had received my materials. I’ve always been a hustler. a huge child actor of the time 9 . as well as how to contact them. They represented such actors as Emanuel (Webster) Luis. I bought a reference book called The Ross Report. I was a fifteen year old kid and didn’t have a car or money for taxis to get into the city and back. But the first rule of success I learned was to work around your obstacles. Since my working mom didn’t get home until late I would go alone by train. Most emphasized the boldface message “not to be called or visited. I followed directions exactly and sent my headshot along with a resume to one hundred agents. dealing with people. which listed talent agents. I sent the package out to the same agents two times but didn’t get one response either time.My Lifemoney industry.
From the corner of my eye I noticed a woman standing in the doorway. who was extremely nice and reassured me she would get my packet into the right hands. She listened for ten minutes as I explained that I hoped my package had not been lost or tossed into the trash. Hanging out with my friends and social activities seemed more important. going out near the door where the other woman had been listening. I continued my conversation with the secretary. and signed with Schuller for representation. and when I did show up I didn’t pay much attention. I told her I just wanted to make sure it got into the correct person’s hands. As a result. After thanking the secretary. But taking the initiative. and found the success I was seeking. I barely 10 .” the agent in charge of the group that I wanted to join. I often skipped classes.Lifemoney and Danny Pintauro. auditioned. I spent a lot of time learning the ins and outs of the entertainment industry and not as much on homework. I thought that she was listening to what was going on. 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 might not be where I am today. I didn’t do very well in high school. Not surprisingly. I turned to leave. She followed me out and introduced herself as “Davina. Looking for Motivation Unfortunately. Had I continued to wait for calls that never came. I set out to get answers to my questions. She must have seen something about me she liked – I think it must have been my persistence – and she asked me to come back and audition for her. This was one of the earliest times I realized how important it is to be nice to everyone and build relationships versus burning bridges. I returned the following week.
11 . And. Through hard work. With this pressure from my parents. I had a hard time getting into college. But he and my mother told me that they would only support me if I did well the first semester. and was eventually inducted into the Phi Eta Sigma national honor society. I earned a 3. I was looking to make a lot of money and enjoy nice things. I changed my habits and learned how to be a student. the odds are severely stacked against huge financial success.92. Although you can make a good income from acting. I realized that my next job was staying in. For these reasons. using my acting resume. I applied for a double major in business and theater and. they didn’t want to pay for it. I learned early on that being a struggling actor was not for me. In the end I was unwilling to make the necessary amount of sacrifice that most actors need to reach their goals. If I was going to “screw up” like I did in high school. The following semester I got a 3. It was a great lesson: Not all of success is flashy and easy. The only thing to be decided was how I would get where I wanted to go. they explained. 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. I decided I didn’t want to end up stuck with no way out.88 grade point that term. I got accepted.My Lifemoney made it through. My father had resurfaced in my life to pay for college. I didn’t have much reason to go to college at the time – I just didn’t know what else to do! Someone in my homeroom class during senior year suggested a college she thought I could get into. After getting in. How? I practiced all of the Lifemoney lessons you’re about to learn and I was clear about what I wanted.
for lunch one day. the sacrifice has paid off. I could see the moment in that restaurant as a turning point. the music industry does not often accept unsolicited 12 . For him. As with my junior high acting days. So I took a different route and it has paid off for me. From my break dancing and rapping days I had always kicked around the idea of being in the hip-hop industry as a rap artist. I 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. Today he’s a successful actor who can go anywhere and order anything he wants. It was another important lesson: knowing yourself guarantees that any success you have will be tailor-made for you. But before I fully ventured into business. I asked him if he was going to order anything else. I spent a lot of time in studios developing a demo to get a recording contract and learning the business. I spent the last years of high school and beginning years of college working toward that goal. He answered. But. “It’s cheap and it fills me up. I wanted more of a sure thing than acting. Looking back. When it came to making money. I knew myself and knew movie stardom wasn’t the right route at that time. I sent out many demos to try and get people interested.Lifemoney I remember meeting a good friend of mine. as with acting.” I bought his lunch that day. That could have happened for me but I knew in my heart it wasn’t MY reality. a struggling actor. Being a struggling actor and making those sacrifices was the right path for him – it wasn’t for me. I still had some entertaining left in my system. But his limited income made it clear to me that this was something I did not want to do. When he only ordered soup.
In this world you have to take opportunity where it comes if it will help you achieve your goals. Does it seem strange that a book about success begins by telling you to start by working for free? It shouldn’t.7 Kiss FM in New York. I kept working toward my goal of becoming a rap artist and trying to learn the business. co-sponsored by 98. It was validation that hard work could pay off. In fact. My goal was to get noticed and possibly get someone interested in working with me. I sent in my tape. a lawsuit can result. I entered the Pepsi Rap Up the Summer Contest. attorneys for the record labels advise them not to listen to demos to avoid a lawsuit later on. even for free. I got a job as an intern (for no pay) working for PolyGram Records. If the artist believes a later recording is similar to his or her music. This was pre-Eminem and not too many white people even listened to rap. let alone were successful at it. and I think they were shocked when I arrived to perform at Victory Park to discover that I was white. you need to work in it. even when you’re going against the grain. I also tried to learn the business side of the industry.My Lifemoney material. I was chosen as a semi-finalist out of 500 entrants. I recognized the value of this attribute and stored it away for later. I knew 13 . Although no longer in existence they were one of the premiere labels at the time. Although I didn’t win the contest. This is exactly how you build Lifemoney. A key lesson I learned was that if you want to understand an industry. Learning About Business In addition to finding some measure of success in the entertainment side of music. In 1991. I did win over one of the judges—Chubb Rock—and was asked to work with Chubb Rocks Production Company.
Most of the time the experience will be a positive one and you’ll learn what you need to know to be a success.” I once sent a sneaker in a box to a record label with the note. BMG. The access I got taught me lessons I could have never learned anywhere else. I figured if I sent a package. It was one of my earliest stabs at being resourceful.Lifemoney that working with PolyGram would give me access to some of the industry’s biggest and brightest minds. and access is one of them. Other times the experience will be a real eye-opener and convince you that you never want to see another bar – or Congressman – again. You might find it’s not what you expected it to be. if you want to someday own a bar you should work at a few for a while to learn the business. learn it from the ground up. agents and managers. a recording label. There are more important things than money in this world. The single reached Billboard Magazine’s “The Street Sheet Mix page’s Top 10” and 14 . mixers. both the stars . And always be resourceful. 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. It paid off.and the men and women behind the talent the producers. picked me up and got me signed to BMG for distribution. my targets would be curious enough to open it rather than throwing it away. feel free to import ideas from wherever you can find them. But it’s all valuable. For example my rap name was “Sneak. If you want to work in politics.the talent . “I just want to get my foot in the door. It worked. Basement Records. Door after door was being closed to me.” along with my demo tape. If you want to learn a business. For example. volunteer for a campaign or move to DC. It’s important to understand what you are getting into before you are knee deep. The following year I released “That’s Evil Man” on ZOO Entertainment.
full of rich stars and power players. It didn’t stop there. Getting Focused Looking back on it now I can see all the stair steps that were being put into place for my ascent to success in telecommunications and various other ventures. But like 15 . While I enjoyed working in the music industry. actualizing my goals and watching them come to life. I released “African Prayer” for Peace records and received writing credit on “Got Your Head Boppin. Eventually it went to number 27. which I did. I knew a prerequisite for a happy life (for me) was stability and the ability to enjoy life’s conveniences. In 1994. It was an exciting time. The music business seems glamorous. You see – I already understood that making money was a priority for me – an important goal. Money provides those things. I decided since making money was a priority that it would be easier to make money in another industry and that I could always return to the music world later. It 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. but in reality there are very few people that make it big – and make the big money.My Lifemoney showed up as bullet number 42 on the Maxi-Singles sales sheet. 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. PolyGram Records. That’s a hard truth to see from the outside. It is a difficult business to really make money. But the truth is making money is hit or miss and is more often just smoke and mirrors.” Next Plateau. I was finally seeing a dream come true. I was concerned that I might not make the money I was looking to make – and I thought I might be able to make it easier somewhere else. for more reasons than just getting airplay.
I decided to 16 . I decided to make business decisions that would bring me closer to where I wanted to be. so I pursued this opportunity. 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 went so far as to get licensed to sell life insurance. but it was apparent that I was a tremendous asset. The branch owner wanted to train me to sell life insurance. Unfortunately. For one thing. Also. I did not find that product to be a perfect fit for me or my personality. In addition. I did not have a wife or family. 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. And guess what? I started making more money working part-time than at my day job. My instincts were just forming and for whatever reason I felt the need to become focused on knowing what I wanted specifically. I decided to take my hustling a step further.Lifemoney most young people I didn’t understand what was going on. I figured if I spent more time on my part-time real estate job. Not to sound conceited. How did I do that? I started selling real estate at night. I understood the insurance office management job completely. I could make even more money. I took over a job for a friend as an office manager for a life insurance company. I figured that my potential customers might question why I was selling a product that I didn’t have for myself. I was interested in sales. the branch focused on selling long-term care and retirement planning. Becoming successful. I saw that real estate was more suited to my personal goals at the time. and could not fully understand or relate to getting life insurance for protection for other family members. After leaving college.
and there was a lot more to learn. When I went to my boss to resign. You never know if someone will say yes or no to a question until you ask the question. and I went from initially working five days a week to just one day per week. But my education was just beginning. the one you’re probably most interested in. 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 made sure I did everything efficiently and wasted no time at all. and I made a deal with my boss to move to a three-day-per-week schedule 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. instead of just quitting I told him I could do the work in one day that I had been doing in three. He reluctantly agreed on a test basis. 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. This would permit me to have two more days to sell real estate.My Lifemoney leverage all that. 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. making my own way and even started knowing myself and where my real talents and desires 17 . I began to learn about the importance of defining success for myself. at the same pay. You never know what people are willing to do – or what you can accomplish – until you try. I also promised him that the quality of the work would not change.” It was a risk to leave the security of a full-time job. Best of all. my gamble worked! Eventually. This Was Only the Beginning I mark this moment as the official beginning of my entrepreneurial life.
At MCI. I also noticed that the larger companies were not flexible enough and many times did not fulfill their customers’ needs. 18 . I was already bringing in a six-figure salary and at the end of my third year there I earned $387. I was not an overnight success story. evaluating my progress. 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. resourcefulness and creativity. Those skills were actually like internal money – fueling my daily existence and my motivation to reach the next goal. they bought it from someone else and still sold it as theirs.07. I became one of the top salespeople in the nation. sacrifice and patience. It was basically a mini-version of one of the larger telecom corporations. and I didn’t hit it big with the lottery. By my second year. Especially patience! It was a lot for a young person like me to absorb. But I still had to learn about setting goals.086. but the skills that were created in me were worth more than cash. I’d learned that when the big companies couldn’t supply a product. Inc. After this very successful stint at MCI telecommunications (I will share more detailed stories with you later) I created Global Business Solutions (GBS). It was a great place that provided huge opportunities to apply myself and use Lifemoney to make a ton of cash money. like actual cash. I started building and using this knowledge in real estate but I really kicked it into gear when I decided to take a corporate sales job at MCI Telecommunications. Rather using the attributes I list for you in this book I became successful in project after project and business after business. I used them to create many business successes.Lifemoney were. dealing with people – especially difficult people. Global Business Solutions.
I saw what the needs were and I fulfilled them. 19 . lower to the ground and closer to the customer’s ear. Using my Lifemoney lessons I found success with GBS and turned it into so much more than I’d ever dreamed. the customers would want you to do everything for them. 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. it’s harder to tell which came first. I let the customers guide my business. Sometimes you go searching for new opportunities and other times opportunities find you. and seeing niches before everyone else. One of these areas was in the pre-paid calling card business. My Lifemoney lessons had shown me that some of success is seeing an opportunity where none exists. remain loyal and protect them as much as possible. When you’re always on the lookout for something new. you or the opportunity. I eventually contracted with many providers. Inc. If you could provide customers with everything they need and they knew you were price competitive and were competent to get the job done.My Lifemoney My experiences over the years taught me to be alert and on guard for niches to fill and blank spots to cover. allowing me to sell anything the big boys sold – and better – because I was smaller. Heat Wave Tanning. I made a huge profit in this area by recognizing this as an opportunity where I could fill a void. My Lifemoney lessons also taught me to be honest with my customers and do my best to help them out. Because of my low overhead I was almost always able to provide services at cheaper prices than the major carriers.
This was a different venture from my previous forays in the world of small business. 20 . Change is good. I researched the business and found out that it was a very low maintenance business and pretty profitable. I could manage most of it via remote control. building the place from scratch. made my money and then I sold it. and Heat Wave Tanning was really a great business and a great opportunity in my life. I saw a line outside of the place and was wondering what they were giving away. and prepares us for the future. I decided to open my own tanning salon. and managing customer issues just didn’t do it for me. It was like having a puppy at home: you never felt comfortable being far away for very long. It turns out that people just were going in there to catch a tan. I told myself: it stretches us. grows us. and I decided that I didn’t want that kind of responsibility.Lifemoney I was amazed one day when going with my girlfriend to an indoor tanning salon. But I was discovering that retail businesses require a lot of time and attention. But I felt I was ready for that. and might one day do again. The tanning business was a big change for me. through phone calls and faxes and emails and downloads and uploads and the occasional face to face. A telecom business like GBS was more “virtual” than brick and mortar. After more research (and imagining that operating that type of business would be fun). Besides. The tanning business though was more hands-on. maintaining equipment. That is true. It was exciting. managing ten employees. It is definitely a great business that I would highly recommend. which was a huge plus for me. So I kept the business for two years. Better yet the business seemed as if it could run itself.
Inc. And what’s best is that I can afford to be patient. It was a lot of work but it has been gratifying beyond words. 2007. And I love it! Why? Because I’m sailing my own ship with no boss. I signed some artists to my label and I am currently marketing and promoting them. In 2007. set to launch in the fourth quarter. and My Music Site. I have been launching companies left and right. I will make independent artist’s music easily available to their fans.com Sometimes success comes full circle. I am sometimes surprised by all that I have accomplished in such a short time. although I brag about being retired. Later I was a college graduate looking to intern for a major hip-hop record label. And that’s exactly what I did! Remember what I said about following your passions? When you finally make some money you can blend passion with profitability and not have to stress that much about bottom lines.My Lifemoney Self Made Records. Self Made Records. friends and family while providing a marketing platform for them to make their dreams come true. Inc. Inc. You’ll recall from earlier in this lesson that I was once a junior high kid trying to get my big “break” in entertainment. For Self Made Records.com are both my hobby and business. I am involved in everything from the production of the songs to pressing up the albums to getting the music played on the radio. in reality I’m busier than ever. That makes me happier than I can possibly describe to you. But I can afford to do this because I love it. Now I was a successful entrepreneur. I am doing what I love. / MyMusicSite. looking to blend business with pleasure.com. I am now in the process of coding and developing mymusicsite. but on my terms. no limits and 21 . with little to no risk and helping others all at the same time. I will be selling and promoting online music downloads and cell phone ringtones for independent artists.
com). Meeting ExpressO will also provide walk in customers with a unique and innovative environment for enjoying great coffee. In addition to being its creator.meetingexpresso.com). I am also providing a marketing platform for these artists who want to make their dreams come true. friends and family. I will 22 .Lifemoney more freedom and money than I could ever have imagined way back when I was 15 years old. I will be selling and promoting online music downloads and cell phone ringtones for independent artists. satellite television. specialty beverages. and snack items. phone. 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. Lastly. I am also in development on another site called MyMusicSite. We will make independent artist’s music easily available to their fans. it allows people who are looking to purchase or get feedback on a product or service to get an unbiased opinion and rating. I also came up with a business idea that I am looking to launch (or sell the patent) in the near future. The business is called Meeting ExpressO (www.com (www. 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. and business services.com (www.mymusicsite. Meeting ExpressO will provide full access to conference rooms which include internet. In addition to that business. break dancing on street corners and hustling for business opportunities. I just launched TellBrad. In addition. I have just signed a deal with Kingfish Productions to develop a television show that I created titled “Street Battle”.com) and is a retail conference location /coffee shop.tellbrad.
)” -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. Work on the activities. And go for it! No excuses. Stayed tuned and look for my name in the credits! …You Can Do It. adapt the principles described in each of the upcoming lessons. Lifemoney provides you with the tools you’ll need to reach your own unique potential. I have found the common denominator for success. Learn who you are and what you want. sell it on the corner. That’s why I’ve written this book. Too! I began this lesson by declaring “If I can do it…” without finishing the statement. Instead of sitting around thinking about what you want. I will show you how to understand and learn a unique set of attributes you need to become successful. go by some oranges! (Orange juice outsells lemonade by 10 to 1. Now. invest your profits and. Lifemoney Currency “When life hands you lemons… make lemonade. Keep score of your successes and failures.My Lifemoney also receive co executive credit and be involved with development of the project. when they mature.
John. as far as I know. has never cracked the seven figure mark and. These are the stories of two friends of mine – John and Steve . Success is never a game of chance and begins with clearly deciding what you are going to make happen. My first friend. some might consider him rich 24 . Still. two very different types of success stories.and though totally different from one another they illustrate what I mean by defining your own success. In this lesson I want to show you the importance of deciding for yourself what success means to you.Lifemoney Lifemoney Lesson # 1: Defining Success “You have to arrive at your own definition of success if you ever hope to enjoy success on your own terms” -Brad Turk Overview It’s not possible to attain success without first defining it. is in no danger of cracking it anytime soon. pure and simple. Want to Succeed? Sleep Late! I want to begin by sharing two success stories with you.
He did it his way. You can’t . he found his own success and it works for him. They think that he is not responsible. He has a beautiful boat. He told me that every night that he goes to bed. John. It didn’t bother him what everyone was saying about him. John told me that he was really happy with his life.Defining Success beyond compare because he knows himself and. He is truly happy with how his life turned out. just as important. All of my other friends make fun of him. he just took it as a joke. lives with his parents. And how many of us can say that? I realized after talking to John that everyone’s idea of success is different. I have another friend. He told me he was still living with his parents because he liked living with them. who is over 30 years old. knows what success means to him. he is successful. who on the surface would probably look extremely successful to outsiders looking in. To me. While talking about the future.push your idea of success on anyone. he also said he was happy with his job. Steve. Most days he didn’t have to go into work early and he got to sleep late. He made enough money to live on his own if he wanted to. Then one day we were talking and John really opened my mind to something. From a professional perspective. What he revealed was so far from who I am as a person but showed me that there are a lot of different ways to define success – and the important Lifemoney key is to define it for yourself. I have to confess that I kind of agreed with them. has no ambition and is going nowhere. he has a big smile on his face. He needs nothing else to fulfill his dreams. several sports cars and a very 25 . he helped them out a lot and felt that his support was needed around the house. John’s parents also enjoyed him being there.and shouldn’t .
he canceled the invite because he was actually selling one of the cars. My definition of success comes from within. just so he can try to keep up with payments so that he does not default on anything. He is always making maneuvers to try and maintain his possessions. 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. This is success for him. These men are both successes. Does this sound like success to you? It might. Some people thrive in that kind of stressful environment. not from without. Once you define what you want and know what will make you happy. He is actually so far in debt that he does not really own anything he has.Lifemoney nice house. Most everything is owned by the bank and it seems every time I talk to him. I remember one weekend he invited me to go to the track with him to “play” with his cars. he is in a world of hurt. The truth is that Steve lives way beyond his means. Being that I know this friend well. Before the weekend came. He also has to work harder than anyone I know. I also know more details about his life than someone seeing him jet by on the track or some of his “not as close friends” spending a weekend with him on his boat. It wouldn’t work for me either – just like John’s life – but both of these men are happy with their lives. Have you decided what your mark is? 26 . Steve thrives on the adrenaline of living on the edge. He is always stressed and always in fear of losing something. Why? Because they both hit their mark.
get more and be more. fad to fad not really knowing what they want and drifting with the flow. you’ve taken the first step to taking your life back. It becomes yours. trend to trend. I think this is important because I see so many people who spend their lives wandering. most people are still on their quest for success. If we don’t define success for ourselves. With the exception of my friend John who I just mentioned. We have no control over our path and our lives can become haphazard. Like fingerprints. Success means different things to different people. No matter your net worth or social standing we want to do more. you own it. most successful people (whether consciously or not) have a system. When you define success for yourself. They start up home improvement projects and don’t finish. There’s simply no future in succeeding for anyone other than you.Defining Success Success on Your Terms The first step in applying the Lifemoney lessons to your life is defining what success means to you. When you define success and what it really means to YOU. What works for some doesn’t work for others and what works for me might not work for you. They subscribe to magazines they never read. For the most part. Although some people get lucky in attaining success. Why do they do this? They bounce around because they’re not prepared to 27 . But becoming – and staying – successful can be tricky. They buy gym memberships and never use it. Success takes personal planning and some work. we all want more out of life. strategy or plan they stick to in order to reach their ultimate goals. They go from idea to idea. our definition of success will be individual and unique. we are on a journey without a map. 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.
author of Riches Within Your Reach: The Law of the Higher Potential once wrote.Lifemoney take full action. And when we live undefined lives we miss opportunities to reach our definition of success more quickly and more easily. says “success” with a capital S? Let’s explore this question and help you find the answer – and get you on your way. Take a moment and answer this question: What does success mean to you? Would the following definition of success work for you? 28 . What is it you really want? What. for you. See beyond money and its trappings. “The first principle of success is desire – knowing what you want. Desire is the planting of your seed.” Plant your own personal seed for success and watch it grow. and those are the only things I really care about it.Tiger Woods Find the “U” in “SUCCESS” Forget about goals and spreadsheets and interest rates and performance appraisals for now.” . You should live your own life and live up to your own expectations. As Robert Collier. Lifemoney Currency “One of the things my parents have taught me is never listen to other people’s expectations. They live undefined lives. look past that next job promotion or future company you plan to build. You’ll be able to move in the right direction quickly and simply because you know where you are headed before you approach the starting line. By starting your journey with a firm grasp of your meaning for success. you will be fully able to reap all the benefits that await you.
Let’s take.500 over 48 years ago. but successful people have taken the time to really think about their definition of success. She’s successful! 29 . a 22-year-old student who has just received her acceptance letter into the medical school of her choice. He does not really have any extravagant items like a fancy race car. She now understands what all of her sacrifices were about and feels like she is on the road to fulfilling all of her dreams. billionaire Warren Buffet. for example.Defining Success “All I want is to have people around who love me. What would make you happy? We all define success differently. Would I live the way Warren lives if I had his billions? No chance! Should he step up his lifestyle and start spending his billions mainly on himself? Absolutely not! He is enjoying his billions and more importantly his life. She sacrificed many nights of going out with her friends and having fun in order to spend more time studying.” It works for the second richest man in the world. yacht or even a boat. He has lived in the same house that he purchased for $31. He is doing what makes him happy. He drives himself to work every day (no chauffer) in his 2006 Cadillac DTS. With all of Buffet’s billions he has always led a simple life. 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. He was so content with his definition of success that he gave practically all of his money to charity (over $30 billion dollars).
That man is a happier husband. along with nutritional meals and emotional support. Months of preparation and training pay off for this guy’s single-minded determination. and employee – or future CEO – because of this personal accomplishment. Sounds like success to me. have resulted in two stable children with above-average grades and well-adjusted social skills. agreed the wife should give up her job when the children came along to provide a stable home life for all. 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 . Although he and his wife share a modest home. The 54-year-old millionaire spends his day choosing consulting projects and filling his schedule based on preference rather than need. Then there is the couple that. they have been able to stash enough away to enjoy an early retirement and see the world. While avoiding expenses like costly entertainment or expensive vacations. father. but the wife’s role as a homeroom mother at school and Girl Scout leader in the community. they have not missed out on anything they’ve wanted. Living off just the husband’s income has not been easy. Each of these people has achieved success. He’s been a total success. I call that success on their terms. upon marrying. his self-esteem and confidence increase beyond measure.Lifemoney A 39-year-old business executive runs his first marathon. While his finishing time does not win any medals. Twenty-five years of sacrifice spent on investing income from a second job have finally paid off.
Even though everyone usually has a different idea of what success means to them. what they all really want is personal happiness. but you don’t really want to. you can begin to set goals on the road to success. Identify the goals you wish to achieve or the life you want to live and work diligently toward that vision. leave the world a better place. it is possible to be a successful lawyer without feeling like a successful person. It really isn’t what you have or who you are that makes you happy or unhappy.Jeff Mallett 31 . 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. in Lifemoney Lesson #2. That’s why it is important to understand your priorities clearly. I believe the common denominator in true success is happiness. you could succeed in meeting their goals for your life and still end up unhappy and unfulfilled because you never quite met yours. If your parents are pushing you to become a lawyer.” . That’s why. So let’s figure out how you define success. While it’s a good idea to talk to your family and others who may be impacted (say. Lifemoney Currency “Do what you love. love what you do. So once you have an understanding of what will truly make you happy. It is how you view your situation that makes all the difference. Anyway? You can’t get motivated unless you’re clear about what you’re shooting at. Over time.Defining Success WHOSE Dream Is It. you’ll be finding out why it is so important to Know Yourself. As you see in this example. you might become bitter or resentful.
Explain. open a document on your computer.Lifemoney Goal Achievement Exercise A You will need to create a place to take notes and do the A-Z achievement exercises while you are going through this book. skills. read over your ideas. It will also start you on the long road to developing your organization skills by keeping track of your plans and progress. so make it handy and easy to access. the hallmarks of success—money. or download a copy of the Workbook with all the exercises from my website – www. What would it take for you to feel successful? How will you know when you have become successful? When the timer goes off. time. Once you have this in place. etc. Then start writing about your views on success. set a timer for five minutes. just letting your thoughts and feelings flow: • • • • Describe a successful person who inspires or motivates you. 32 .com. 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. I am going to ask you to open this document on a regular basis throughout this book. asking yourself questions like these.bradturk. You can use a three-ring binder. in your opinion. but more importantly. and edit if necessary to make them readable and clear.
after declaring bankruptcy. But you just did. in 1985 and 1986.Defining Success Win Life’s Lotto (Real Wealth is Measured by Achievement. you might find you are still unhappy. She lives in a trailer and recounts that. at gambling venues. • In 1988. Most people just never make the move to define what they want and where they’re going. won the New Jersey lottery twice.” 33 . William “Bud” Post won $16. What does she have to show for it now? Zippo.” Her hand was out. It’s amazing how some people perceive money as the answer to all their problems. “Everybody wanted my money. Welcome aboard a new life. they’ll tell you: • Evelyn Adams. I’d be so happy” or “Everything in my life could be fixed with some cash.2 million in the Pennsylvania lottery. Her total take was $5. It was totally a nightmare. Not Cash) Congratulations! You’ve taken a huge step. Says the man who. I know many people with little or no money. Having come from a “no money” background. something of a statistical freak.” These beliefs about money are all wrong. Money in itself does not equal success. If you were handed everything you wanted without working for it. Ask the following people. Completing this exercise brings up a point I think worth exploring. Everybody had their hand out. “If I only had money.4 million. too. We all do. now lives on Social Security and food stamps: “I wish it never happened.
And satisfaction is more than being content. To enjoy success you need to earn it. not a financial figure. the challenge. That is true success – at least by my definition. Here are several keys to keep in mind: 34 . I know you’re probably saying “Yeaaa. You Are in Control Success belongs to those who are clear about what it means to them. She shared her wealth with many charitable organizations. Understand that a lot of the enjoyment of meeting your goals is in the feeling of accomplishment and satisfaction that comes with hard work and success. Do you need more external recognition of your accomplishment? Make sure you keep that mind as you plan your own future.you miss the excitement. Goals are not just about achievement. and without effort are not actually participating in the creation of their own personal happiness.the fruits of someone else’s labors . but before a decade had passed. and the ultimate triumph of accomplishing a mission. And accomplishing your dreams – your success on your own is very important. they’re about satisfaction. that wouldn’t happen to me!” Are you sure? People who get their wishes granted too easily. It seems to be a rule of life that if you have good things handed to you . There is no amount of money in the world that can recreate that feeling of accomplishment. she had filed for bankruptcy and had just $700 in the bank. That’s why Lifemoney is an internal feeling. it’s that amazing feeling you get after finishing a job well done.Lifemoney • Janite Lee was unlucky enough to win an $18 million jackpot in 1993.
you willingly give your power away. 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. Stop looking outside yourself or to others to explain your failures. it’s also worth doing despite the odds of failure and cost of success. but don’t forget to enjoy the sites along the way. or it could take decades. Don’t put your trust in success just showing up. 3. 35 . When you lay blame or make excuses. and that might not have been easy. but your dreams are out there. but they do not own your ideas or lay claim to your dreams. Success is not a game of chance. that would be incredible. Anything worth doing is worth doing well. waiting for you to come and claim them. Others have influence over you and affect you. The power to change is your own. Most likely it will be bumpy. together – because you made a conscious choice to pick up a book called Lifemoney. Chart a course for paradise. sure. until the value of moving is higher than the cost of those inevitable obstacles. Publisher’s Clearing House might stop by your house with that big check and. Now all you have to do is take another step. even if the voyage looks choppy. How will you get there if you don’t take that first step? Take it now! Take that first step toward real happiness. You are here – we are here. It may take months. Create a legacy of a life well lived that will justify your existence and leave loved ones with affectionate memories of your success. it resides in you. You’ve already taken the first step. and another.Defining Success 1. And remember that it’s important to enjoy this journey so keep an eye on the finish line.
Whoever you’re trying to keep up with – the Joneses. your old friends from school. success must mean something to you if you are ever to truly achieve it. Let’s go there right now. It will become clearer the more you focus and keep your mind open. so don’t waste it living someone else’s life. you’ll always regret not doing it for yourself. If you do it out of ego or pride or greed. Lifemoney Currency “Your time is limited. All right. something WILL be missing. Success must happen YOUR way. Don’t feel bad at all if you’re still a little unclear about what success should mean for you. there will always be a nagging feeling that something is missing. your neighbors – forget it.” -Steve Jobs 36 . That’s totally normal. If you do it for the money. on YOUR terms for YOU to be truly happy. Lifemoney Lesson #2.Lifemoney Why be satisfied with a simple living when you can build a great life? Defining Success Summary Of all the Lifemoney Lessons I’ve lived – and learned – this was the first: you have to arrive at your own definition of success if you ever hope to enjoy success on your own terms. Lifemoney Lesson # 1 is done! It was designed to help you define success on your own terms. trust me. If you let others define success for you.
_____ 10. _____ 9. I am winning life’s lottery. Lifemoney Currency “If you live for someone else. _____ 3. I spend time learning what it will take to be successful in what I love. I will define success for myself. The expectations that matter most are mine. and then tally your score. I will look beyond money to find happiness. _____ 5. I will decide for myself what occupation excites me. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1.Defining Success Millionaire’s Checklist: Check all the items below that you agree with. I am in control. My life is mine and I’m excited to develop it on my terms. _____ 7. I am seeking my own personal growth and happiness. _____ 2. I will always seek to lead my own life. I hope they enjoy it because you probably won’t. _____ 4. _____ 8.” -Brad Turk 37 . _____ 6.
It’s a journey that may veer off in a thousand different directions before finally coming to fruition. I expect to make great plays. you will build on the first lesson of this book. In Lifemoney Lesson # 2. but it always starts with YOU. 38 . 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. great moves. In my mind.” -Reggie Bush Overview Knowing yourself is a huge part of attaining personal success.Lifemoney Lifemoney Lesson # 2: Knowing Yourself “I expect great things out of myself.” by exploring who you were to determine who you are and clarify who you want to become. “Defining Success.
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. banker – merely describe you. a student. lawyer. not a popularity contest. unemployed worker. 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. or a musical genius. a company executive. This is valuable advice for many of us.Knowing Yourself Sometimes It’s Better to Strike Out Did you know that Babe Ruth. father. 39 . Maybe you’re carrying around a little extra baggage as a high school dropout. How many of us hover around the comfort zone of what we’re good at. because he knew he had the ability to be a GREAT batter. He took a lot of heat for his decision because he was a GOOD pitcher. But life success is a self-test. or two-time divorcee. was once a pitcher? At one point he made the deliberate decision to stop pitching so he could focus on batting. one of baseball’s legendary home run hitters. someone’s parent. Before you know where you’re going. a basketball pro. but not without a period of introspection first. they don’t define you. you need to know who you are. He stuck with the decision. right? You might be a wife or husband. son. So often we rely on our titles – or the opinions of others about those titles – to tell us who we really are. 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. But all of these titles – husband. a computer whiz. a son or daughter. Who are you? Who are you? That probably depends on who you ask.
Whatever happened to that determined person with all that ambition inside? If this scenario sounds just a little too familiar. when you take a moment to catch your breath and see where you are. have kids. and maybe not even worth the effort after all.Lifemoney It seems like such a simple question: Who are you? But try to answer it and you’ll find the answer is not so easy. Instead. The best part of Lifemoney is you can start accumulating it at any stage of your own personal transformation. start here. but ready to gear up for the adventure that lies ahead. whatever you’ve done. knew you were capable of attaining. Maybe he or she is a little older. more importantly. and hopefully a little wiser. If you are just starting off on your voyage to success and don’t know where to begin. Whoever you are. instead of building the future you always wanted and. you find that those dreams never materialized. day to day. the goals appear too distant to reach anymore. Life has a way of sidetracking us from our goals to deal with day to day living. and live happily ever after. But now. you got sidetracked into making a living and getting by. 40 . let me help you rediscover that person again. Then. 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. wherever you’ve been. you can still find the path to your personal success if you’re willing to look for it. Remember those high school dreams of becoming a pro sports player? Maybe you planned to write a bestselling novel. Or maybe you were hoping to get married. looking back.
less really was more. they’re shifting. This nice. In his case. If you don’t know what will make you happy. but he was slowly driving himself insane. He was a very successful physician with five private sports clinics. how can you ever hope to achieve. or someone else was going to wind up dead!) He drove straight to his accountant’s office. Why? Because he was finally keeping up with himself. (Either that. His patients and his workers loved him and he was loaded. literally. What is success if you don’t know who you are inside. the time I spend with family and friends. The story of my doctor friend reinforces my belief that true success can never really be achieved unless you first know yourself.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. Lifemoney Currency “I’m starting to judge success by the time I have for myself. It is not. restructured his organization. My priorities aren’t amending. Twelve months later he was happier than ever. One day while sitting at a stoplight on the way from one clinic to another a crazy driver cut him off. or maybe just busy work. and what you truly want? I once knew a man who was famous for keeping up with the Joneses. successful. normally peaceful man now felt like hunting the driver down and ripping his head off! Then it hit him: keeping up with the Joneses was killing him.” -Brendan Fraser 41 . and over the next year phased out four of his five clinics. not the Joneses.
reflect on the things that worked in your favor. these might include honors. Under each.” 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 . now you can see how you managed to win that particular prize. “I made a wise career move by getting a better job. certificates. list your personality or character strengths.” This took: Patience Commitment Hard work Self-discipline Organization And/or define it by specific steps: 2. For example. In looking back on your past. recognition. Even if you didn’t consciously use these qualities back then. define a recent accomplishment by personal attributes: 1. or personal achievements.Lifemoney Goal Achievement Exercise B Now it’s time to take out the Workbook you started in Goal Achievement Exercise A. Make a list of your top four or five achievements. • • • • • “I earned a college degree. and/or specific steps you took while completing these accomplishments.
Knowing Yourself 3. Let’s say for instance that when comparing the events above words like “organization. you will get a better idea of who you really are down deep. You gain a better sense of your gifts and talents so you can better apply them to reaching success in the future. like sports competitions.” “thorough. You may even recognize the type of goals that attract you. Some people excel at social endeavors like arranging parties or special events. You’ll begin to see how that person might emerge in the next stage of life. Look for patterns forming. 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. 43 . like academic work. and so on.” and “selective” came up in one form or another with each of the three achievements. while others could relate more to mental functions. some may be more physically oriented.” In this case As you look over your list what characteristics come up over and over? Those are your strengths. As you think about the things you’ve done that you have enjoyed and made you feel good. 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.
Aiming your thinking correctly requires more Workbook exercises at the start.” 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. enthusiasm. You could be someone who inspires others when they go through hard times. The answer is no! As we get our Lifemoney Lessons underway it’s very important that we start on the right foot. And maybe your list reveals a part of you that loves physical activities and accomplishments. Maybe your mom has always said you are hard working. You’ve just done an assessment of the qualities you see in yourself and that you find positive. Within a couple of lessons we’ll get into a rhythm where we do fewer and fewer of these exercises. That means laying the mental framework now for the physical action you will be taking later. If you do. Your list could look something like this: 44 . So take this time to remember or remind yourself of what you want out of life. Maybe you’ve had a desk job so long you’ve forgotten how much you love being outdoors. Or you may be the employee that handles confidential matters at your company because the boss trusts you most. but in the renewal of spirit.Lifemoney The world is full of born-again success stories. not in a religious way. which shows up in words like “endurance” and “commitment” and “perseverance. passion and effort. Write down the characteristics that you’ve often heard people mention to or about you. you are on your way to getting there. I would like you to make a list of the qualities others have noticed in you.
we’re playing a game. It’s business. Lifemoney Currency “You gotta have fun. you’ll probably find that you are drawn to things you think are fun. 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. This makes it that much easier to achieve your goals. It’s our job. Now you have an even better idea of how to play to your strengths as you set up goals for the future. but I don’t think you can do well unless you’re having fun.” -Derek Jeter 45 .Knowing Yourself • • • • • • • Honest Funny Direct Loyal Thoughtful Thorough Crazy As you compare this list with the first. Regardless of how you look at it. You need to keep this in mind as you plan your goals and how you will reach them.
As soon as you say. “I don’t have any major flaws. The machinery isn’t working right. As long as you keep fooling yourself. and then do a half-hearted job when you get around to them. Maybe you have a lazy streak (sometimes I do). you can get into some real trouble. But all the while. Lifemoney Currency “Denial does not change reality” -Brad Turk 46 . working around it or improving it. It’s part of being human. I didn’t know what I was supposed to do. I got the materials (or information) late. You put things off. you will never be able to deal with the issues that are holding you back from success. you’re making excuses why you can’t get things done right or on time: • • • • • I don’t feel good. You do. My mom’s cat died and I had to bury it. and moving on. right? I do.Lifemoney What Are Your Limitations? Let’s be honest.” you’re finished. Be honest with yourself here and remember that knowing your weaknesses is a sure way to finding your strengths. Everyone has flaws! But successful people understand the value of admitting to a weakness. Everyone has weaknesses. I have a saying: denial does not change reality. But if you don’t admit to those limitations.
For instance. 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. These could include personality drawbacks. even deciding how to invest the extra money you’ll be making. like being able to say “no” when you don’t want to do something. But if you’re late to the interview. Now write down a few of your weak areas. 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 . Here is an example of what this list might look like: • • • • • Overbearing Critical Too eager to please Sloppy Late After each character trait.Knowing Yourself Goal Achievement Exercise D Take out your Workbook. you can have the best intentions in the world when interviewing for a new job. You also can add things about your character that could benefit from improvement. like shyness or arrogance. or not taking shortcuts on a project.
They did what it took to climb the mountain of their success.” Instead. Don’t blame the weather for being late. that’s just me being me. and their efforts paid off. You may want to start working on these weaknesses one at a time until you start seeing better results. Eat breakfast on the way and tie your tie in the parking lot. Set your clock ten minutes fast or set the alarm 30 minutes earlier than you think you need. Of course. and Russell Simmons didn’t earn their millions by making excuses. don’t write it off as a cute character flaw. for their failures. Always assume personal accountability. especially self knowledge. for their weaknesses. And action means work. they blame themselves 5. Derek Jeter. so take action. Knowledge. is useless if you don’t act upon it. Take stock of their weaknesses and work hard to improve them 2. Don’t blame the economy for low profits. Bill Gates. There are so many things you can do. they blame themselves In other words. they: 1.Lifemoney Successful people don’t write off damaging personal traits as “oh well. get rid of it. 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. 48 . for their inactions. But remember that people like Donald Trump. for their triumphs. for their strengths 3. Don’t blame the product for being inferior. for their actions. the minute you start passing the buck. they blame themselves 4. it’s easy to throw in yet another excuse about finding the time to make these changes.
Many people have failed at that.Knowing Yourself If you’re serious about becoming the person you want and need to be and getting the success you deserve. So rather than dubbing the whole project a failure. Using mistakes as useful information is the way many large companies are innovating. They decided to view “failures” as information sources for building new things. one of the most successful photo search engines on the web. Maybe you’ll take a route that no one in your family or neighborhood has tried before. On the other hand. 49 . then do the work it takes to eliminate weaknesses and build on your strengths. What matters is that you freely explore any path you wish until you find the one you are destined to travel. Google created an early version of Google toolbar with all kinds of great features. Another example was a short lived photo search engine called Riya. the lessons learned provided the originators with priceless information which allowed them to create Like. Then be fearless about taking it.com. Maybe you’ve already tried success “your way.” but it didn’t work. if you like words and books choose a different road to your success such as writing or communications. For example. If you’re good with numbers. you can find a path—or blaze a trail—that will lead to your personal happiness. But within weeks they discovered that their great inventions were totally useless. They treat everything they try as an experiment. then choose something that includes some type of numbers work like accounting or investments. Or it didn’t last. Whatever your interests and skills. Though it was a full blown failure. they viewed the results as useful information. 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. Or then again you might end up on the exact same path your grandfather took a century ago.
But they know enough about themselves to know what makes them passionate and hungry. I’ve lost almost 300 games.” -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.Lifemoney Lifemoney Currency “I’ve missed more than 9000 shots in my career. Consider one the top 50 business influencers of the 20th century. Disney was to fantasy what J. and Japan. “It all started with a mouse. a film studio. Walt Disney also is credited with inventing the feature-length animated film genre when he released Snow White and the Seven Dwarfs in 1937. France. Walter Elias Disney. Disney founded a $20-billion media conglomerate that includes a TV network. an Internet operation. a publishing house. Many successes start right where you are: not knowing themselves very well and beyond broke. As Walt himself recalls.” Just think of that for a second. forget the theme parks and cartoons and famous rides and Captain Jack Sparrow. Morgan was to finance. Starting with a little mouse. And that is why I succeed. It’s easy 50 . Walt Disney’s rags-to-riches story is one of America’s preeminent success stories. I’ve failed over and over and over again in my life.S.. and they don’t let lack of money or support stop them. Twenty-six times. I’ve been trusted to take the game’s winning shot and missed. Theme parks with the Disney name are located in the U.P. and a worldwide store chain.
This is done for two reasons. Goal Achievement Exercise E Take out your Workbook. Now. review your thoughts on success (Exercise A) and begin thinking about things you would like to accomplish. landing your dream job. as well as any new talents you may choose to develop along the way. but what if it’s never been done before? That’s the dilemma Walt faced. Two.Knowing Yourself to imagine success when it’s already been done before. Under each thought you write. it will help you understand if you are looking for success in the wrong places by objectively 51 . Remind yourself of the unique skills you bring to the process. finding a life partner. if you discover you are lacking skills or abilities in a certain area you may need to develop them to attain success. never let the world tell you that you can’t do something just because it’s never been done before. The reason for this exercise is to begin the process matching your abilities to some of the things you want. never tell yourself that you can’t do something because it’s never been done before. such as getting in great physical shape. One. 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. So let me ask you again. He stuck to his singular vision of himself and is now revered as nothing short of a genius. or building financial security. Walt Disney held firm to what he knew. Through rejection and derision. But more importantly. list the qualities that you think you would need to achieve them. failure and distraction along the way. Stay centered on who you are and the goals you want to achieve. He knew himself thoroughly and he understood that his entire empire was based on a simple cartoon mouse that he was passionate about.
In other words. making a million dollars doesn’t necessarily mean you will be happy. As an example. and comparing those qualities with what you deeply desire to develop within yourself. the Hollywood Dream – and he left it all behind to risk his life and fight fires. For example. if you want to make a million dollars. Knowing Yourself. Know yourself and double check your motivations for success. Why? Turns out he had Lifemoney Lesson # 2. down cold. knowing yourself and being true to yourself makes you successful. because he knew he couldn’t be happy doing anything else. Lifemoney is about knowing yourself well enough to create inner success first and external wealth second. you must understand why you feel a million dollars will equate to happiness. adoring women.Lifemoney highlighting what’s required for success. Understand that fortune and fame doesn’t equate to success. Make Less . because when you get it. What remains important is that you feel successful at every step of 52 . it might not be what you expected. 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. screaming fans. You might find out there are other ways to achieve your goals that are more realistic and rewarding for you. Here was a guy who seemingly had it all – loads of money.Find More As you learned in Lifemoney Lesson #1. be careful what you wish for. who made a conscious decision to leave Hollywood behind and become a firefighter in Los Angeles.
and that to skip the rest stops.. the two men took the boat out on the seas. and enjoy. not a destination. While there. The man loved to fish and wanted to spend a relaxing day boating on the crystal clear water. the executive was impressed with Fisherman Joe’s skill and 53 . The others pointed to a middle-aged man who had his own little boat and had a great reputation as a fishing guide. 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. he asked the locals if there was a fishing boat that went out daily. Although success is a worthwhile goal. The next day. today. Fisherman Joe told the executive that it would be a pleasure. The rich executive approached “Fisherman Joe” and asked if he could go out with him for the day – offering to pay for the privilege. Ask yourself this: What happens until then? Truly successful people make peace with. While waiting for the fish to bite. 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. They recognize that success is a journey.Knowing Yourself the process. See how that works? If you say “I’ll be happy when…. progress at any price should be more than most of us are willing to pay. detours. where they are right now. The businessman had no problem going out for just a few hours while his own wife visited the spa. So many of us set conditions for our happiness. obstacles and roadside attractions along the way is taking away from true success.” you’re in the conditional happiness trap. like “I’ll be happy when I make my first million.
truly amazed. Joe decided he could not take this life anymore. 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. Working day and night was more than he had expected. Just a couple of hours a day supplies all my needs. The business life was not satisfying. and remove himself from the enjoyable part of his business—fishing—he did it anyway. Although Joe was reluctant to leave his comfortable home and family while working in L. they finally went public. asking if he could cash out his shares and return to Hawaii. and then working a fleet. and did not really enjoy what he was doing. as though he was unaware of the value of his skills.A. Joe agreed. Fisherman Joe went from working full-time on his boat to getting three boats. He spoke to his partner. “How would you like to go into business with me. “After so many years. After five grueling years.A. The prosperous businessman. Soon business was booming. had no problem and 54 . would aid his partner’s goal of taking their company public. who had reached his goals.” “What do you do with them all?” the business man asked. “How do you get so many in so short a time?” the businessman asked. “I sell most of ‘em. Joe knew that being in L.” Joe replied. The two men moved the business headquarters to Los Angeles. for the man seemed unusually humble. Joe shrugged. “and take home what’s leftover for dinner.” The shrewd executive knew a good thing when he saw it. Finally. After a slight hesitation.Lifemoney ability to find the best spots to reel in a terrific catch for the day. I know their habits. But Joe was now worn out.
The final question asked about Joe’s future plans was: “Now that you will be giving up the good life in L. the entire experience had been a detour from Joe’s own sense of success.. and then I am going to spend the rest of my time with my family. But Joe found it a waste of five good years of his life.” Joe replied thoughtfully. and he ended up doing exactly the same thing. that’s quite a journey.A. what are you going to do?” Joe replied that. “Yes. “From fishing a few hours a day to a multi millionaire. This journey was quite productive. “I’ll get a small fishing boat. Both of them found success in completely opposite directions! 55 . He started by taking a small fishing boat out for a few hours a day before returning to spend the rest of his time with his family. While the rich executive who had become his partner considered their pricey fishing fleet and LA expansion success. it is. and many might have found it fulfilling. so I can fish a few hours a day.Knowing Yourself wished Fisherman Joe well. but he ventured away from it for more money. It’s that you should know what you want out of life. Two very different men viewed the exact same experience in two very different ways. He already knew what success looked like to him. In the end. Fisherman Joe had all he wanted before embarking on a new journey that was piloted by another man’s dreams.” the interviewer commented. The interviewer was amazed by Joe’s journey and the story behind his success.” The moral of the story isn’t that we should not try hard or set high goals. Before Joe left. a popular magazine interviewed him. his journey brought him right back to square one.
Lifemoney Can You Dunk? Part of knowing yourself is knowing what you’re good at. Lifemoney Currency Understand that fortune and fame don’t equate to success. They can measure your characteristics and ability to acquire additional skills. No one knows better than you where you feel confident versus where you feel unsure of yourself. A local community college may also offer these assessments free of charge. Do you have that drive? If so. take an aptitude test. unchallenging and even difficult. Aptitude tests can provide some insight into your talents and abilities. The work you are most likely to enjoy and be successful in is work that best matches your aptitudes. and effort to reach something that is much harder to attain. time. Assessment testing can also help find your natural strengths. but won many dunking contests – despite being nearly a foot shorter than most of his competitors. If you don’t know where your talents lie or still don’t know what you feel you would be good at. If you are 5’8” tall and you know you want to be a pro basketball player and believe it’s possible. Certain occupations will be a better fit for you than others. go for it. These assessments are available all over the internet or by looking in the Yellow Pages. Sometimes it will take that much more work. being true to yourself and finding your happiness makes you successful. just understand the obstacles that you are going to face. and if you work in a field that doesn’t match your natural abilities. you may find your work unrewarding. -Brad Turk 56 . Is that a realistic goal for you? It was for Spud Webb. who not only played professionally. 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
For instance: • Goal: Starting up a home-based travel agency 61 . 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). His life was so unplanned that he failed to step up and missed his opportunity of a lifetime because of $2 token. when accomplished. Kanye West vs.Overcoming Obstacles accord he might never have been released and become the Rap Mega Giant that he has become. For two full days this artist could not come up with the resources for even a $2 token to get there. Goal Achievement Exercise F Take out your Workbook. 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.or the opinions of others . obstacles became simply inconveniences to be overcome. Now let me tell you about another hip-hop artist you’ll probably never hear about. It’s time to write some goals right now. That’s because he had more daydreams than plans. Nobody. And they don’t allow $2 tokens . Every successful person I know has clear goals they’re reaching for.to side track their journey. For this exercise. Under each goal list at least 3 objectives (mini goals) that you will need to do to bring you closer to your goal. make a list of your top 3 goals that. It is the first step of turning the thought of doing something into the reality of achieving something. would make you a happier person. Once they decide on that goal. Mr.
They happen every day. listen to the radio.even thousands of people who have applied action and planning to make their dreams real. that’s natural. Now is your time. it’s often hard to see them as real. Dreams are real and they do come true if you follow this path. get started! 62 . Just watch television. Those people are not smarter. or read a book and you’ll see hundreds . stronger. they simply learned these lessons a little sooner and applied them a little earlier.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. The problem with dreams is that we’ve dreamt them for so long. or better than you. Relax.
We all know that goals just don’t happen. Goal Achievement Exercise G Take out your Workbook. 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. 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. Prepare for exam iv. It could look something like this: Goal: Open a home based travel agency: Top three objectives and possible action steps: • Get travel agent license i. Schedule exam • Build out basement to accommodate office i. Research classes that offer test preparation for agent exam ii. Understand the testing process (where given. Below each. It’s what lies in the gap between setting goals and achieving goals that separate Kanye West and the no-name rapper I talked about earlier. timeframes. etc.Overcoming Obstacles Establishing Action Steps After you set goals and objectives you need to establish action steps. Find out construction costs for renovation ii. Clear space for new furniture 63 . What bridges that gap? Action steps. Order a separate phone line from the telephone company iv.) iii. Select one goal listed in Exercise F and create action steps for each of the objectives listed under that goal.
Find out about bank loans Lifemoney Currency “Actions make things happen that words just slow down” -Brad Turk Timelines Timelines fuel goals. Start putting away money weekly toward travel agency iv. objectives and action steps. deadlines slip sometimes and you have to readjust your schedule. 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. but without a schedule to start with you’ll never know if you’re slipping. Figure out what amounts of money will be needed to live off of while building the business iii. Now you’ve written goals and some action steps that lead to the goals. Successful people know that there are few assets as valuable as time. When you sit down to make your plan and you see that both of your children will enter college within the next ten years and your spouse is going to need significant surgery in the next year you may 64 . but they also add urgency to their goals by making themselves accountable to deadlines. Sure. Establishing a timeline for meeting a goal also helps you realize if it’s reasonable. So not only do they spend a lot of time managing their time.Lifemoney • Raise and save enough money for expenses and salary cushion i.
Go back to the list of goals. Timelines do not mean deadlines. jot down a date for reaching them. Unfortunately.Overcoming Obstacles realize that this goal does not have a reasonable timeline. be VERY realistic about your timeline. Beside each of the objectives and action steps. give yourself six months. objectives and action steps. Schedule changes or circumstances may require adjusting a date now and then. This is an easy step to take. The goal is still reasonable. and then they set times and dates when things will be completed. but the timeline isn’t given the circumstances. For instance if you want to start your own bakery. Let’s actually do it now. many people leave this step out and things just never get done. and action steps. you should set reasonable deadlines and do everything you can to meet them. they are guides. 65 . not written in stone. You’ll need to adjust. they identify action steps. As a result. and that gets your heart rate back within normal ranges and allows you to actually sleep at night. but for the most part. If you need a year. If you’ve been slowly researching local opportunities and putting together resource lists for longer than that. rushing into it is more dangerous than not starting it at all. You must schedule your goals. Successful people set goals and objectives. many wannabe successes miss the chance to advance to their goals because they simply fail to put a timeline on their progress. give yourself a year. With a large goal like opening a new business. Goal Achievement Exercise H Take out your Workbook. objectives. but it’s also easy not to take.
Lifemoney If you keep on falling behind and have to reset your dates. He probably had the one of the worst memories I have ever seen. he knew how to compensate for his flaw and it practically never affected his work or his success. Like most successful people. I stopped and paused. The written word is a tremendous way to remind yourself to keep your goals and action items moving along your timeline.” 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. His solution was to write everything down. Don’t forget to write the date for meeting each objective on your calendar as a reminder to continue working on it. most talented and gifted people I know. “I’m waiting for you to write that last item down. Write It Down Words are priceless. Written words are also great for organization and focus. I learned early on a major flaw that he had that amazed me. I actually had a business partner who is one of the smartest. After he said he was going to take care of one of the items that I did not want to do. 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. About 30 seconds of silence went by and he asked me why I became quiet. Never underestimate the influence of actually seeing your goals written out and in front of you every day. you might have to adjust your action steps or your due-dates to make them more reasonable.
set deadlines. over time. “To do” list which you will reference daily. For goal setting you will need to prioritize tasks. Do the important. but you will make progress and. tasks first. Depending on how organized you are. reserve a block of time to do what needs to get done. You will be less likely to postpone the things you like to do than those you consciously or unconsciously avoid. You should get the boring. even if unpleasant. Set aside some time each morning to review your list and begin working on the listed tasks. and anxiety producing things out of the way when you have more time. Here are a few tips for using your daily “To Do” list: 1. Keep it in the notebook you have been using or in a calendar program that you can keep handy.” -Les Brown Goal Achievement Exercise I Make a daily written. You may not get everything you had planned done in a given day. and plan specific. and visualized steps. realistic. you may need to break down the week by hours to make sure you are managing your time properly at first. measurable. you may be able to do more things in a day. 67 . Every day you should be aware of all your goals and the steps needed to attain them. moving you closer to achieving your goal. committed. annoying.Overcoming Obstacles Lifemoney Currrency “You must see your goals clearly and specifically before you can set out for them.
I want to start playing more basketball. 4. Computer programs and electronic organizers can save you a lot of time over manual lists. It is not in the way. do what works for you. I don’t recommend this method.Lifemoney 2. It’s just something I want to get around to doing more often. We need to take luck out of the equation. I also send myself emails from my blackberry to remind me of things or to keep track of ideas as they come up. For example. With computer programs and organizers you can adjust lists quickly and neatly. 3. but it is visible and reminds me daily to get out and play. but it works. your PDA or phone alarm as a reminder. I will do things like leaving a basketball by my front door. I have a main list at home and a daily list that I take with me. Learn how to use technology. So if you need post its. even I know it is kind of strange – but it works for me. Obviously. Although I suggest technology. you plan to fail. -Brad Turk 68 . I do this. I know I could come up with a more efficient method. For tasks that don’t warrant being on my “things to do” list I leave items around my house as reminders. and I am happy with it. Carry a pocket-sized list with you at all times. use them! Lifemoney Currency It’s true – if you fail to plan. but it is not really a priority that I want highlighted on my daily to do list.
not stumbling blocks in their path. now is the time to knock them down forever. But MCI was not concerned with this. They step up and success is their reward. There were a lot of smaller companies. Adversity and obstacles will come up along the way whenever you start setting goals. Most of their larger customers simply wouldn’t take a chance with a smaller. newer provider. and you must be mentally prepared to deal with them. These companies were offering rates that were about half the price of what we sold. The difference between starters and finishers often comes down to how prepared they are to just keep going when trouble begins. The gap between Lifemoney and real money is how you choose to perceive the obstacles you’ll face.” Unfortunately. Whatever obstacles have been preventing you from starting your journey. not price. because it mostly affected the smaller customers. it is extremely difficult to sell value at two times the cost for the same product. 69 . When I started my career with MCI Telecommunications I had to learn my very first year how to overcome obstacles. Mental and physical preparation is essential to finishing any journey. with fewer expenses. My problem was that I was the one handling those smaller customers. taking market share away from MCI and AT&T.Overcoming Obstacles Nothing Can Stop Me Now… …except obstacles. Successful people use their Lifemoney skills to look at obstacles as opportunities. The MCI philosophy was “we’re selling on value. I found that MCI was one of the highest-priced long distance service providers on the market at that time.
but one I might have overlooked if I hadn’t learned to overcome obstacles quickly. The turnover rate for my position that year was 95%. list possible or proven obstacles or fears that may be keeping you from reaching your goal. 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. 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.Lifemoney I quickly scrambled to find a solution. 95 left or got fired. Lifemoney Currency “If you don’t like what’s on TV. I had to overcome this obstacle so that I would not be in jeopardy of losing my job. let’s adjust your action plan (from Exercise G) to take into account any obstacle you might expect to face. That meant that for every 100 reps starting at MCI. Be honest and write every obstacle and fear you can think of. Below that. Trying to make your goal appear easier to reach by writing fewer obstacles 70 . get up and change the channel!” -Drew Carey Goal Achievement Exercise J Take out your Workbook. I tried looking for things that other sales reps overlooked that would provide me a new selling opportunity. Luckily. With firm goals and objectives in mind from Exercise F. Describe one of your main goals in a sentence or two. This was the beginning of a booming market.
Objective: Take Flying Lessons Action Plan: Research Classes. and manageable. and colors for different people. • I don’t have a plane. etc. The idea is not to overwhelm yourself or get stressed out with a long list but to break down your objectives into steps that conquer all possible obstacles. but they are action heroes. So is flying an airplane impossible? Of course not! People fly planes every day.Overcoming Obstacles could end up delaying your hope of fulfilling your dreams. 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. etc. they add action to their goals and steps and turn dreams into reality. It’s like your teachers used to say in school: “You’re only cheating yourself”. Objective: Research planes and prices Action Plan: Go online and research planes. So how do they do it? They are not superhuman. People just like you and I. so you will need to spend some time figuring out the possible or probable barriers to your goals. so that you will 71 . focused. • I can’t afford a plane. etc. clear. start a savings account with regular deposits. shapes. save money for classes. These obstacles come in all sizes. Each part of this process should be specific. Objective: Find out about buying a used plane Action plan: Find out about bank loans. find an online interest group.
” -Brad Turk Three Huge Obstacles In my life as a successful businessman.Lifemoney end up where you want to be. you’re probably going the wrong way. making excuses. They say if everything’s going your way. or even when we face them with not-so-successful results. we learn from our success and failures to meet the next obstacle with even greater results. All you need to do is create a plan of options to overcome the challenges and follow specific action steps. allowing failure to be an option. That’s because life is supposed to be a challenge. the goal suddenly seems reachable. you’re probably going the wrong way. As with this goal of flying. Lifemoney Currency “They say if everything’s going your way. It becomes easier to see that you can achieve your goal with a little bit of will power and motivation. your real goal at first may seem almost impossible to reach. Number 1: Procrastination 72 . and 3. 2. stay clear. Let’s examine each of these and ways you can beat them every time. All of these steps we have completed so far help you get focused. procrastination. When we face challenges and overcome them. I’ve run into 3 very specific obstacles that seem to affect a lot of people: 1. and manage your way to achieving your goals. But when you break the “impossibility” down by analyzing the real (versus imagined) obstacles.
and some of us are experts at it.” “I’m too tired. By procrastinating I mean putting off or delaying an action or task to a later time or date. too. or avoid taking action steps once the plan is made.” “I’m over-committed already.” “It costs too much. procrastination is one of the worst enemies of success.” “My wife’s nagging won’t let me think.” “My husband says it won’t work. We say things like: “I’m too busy.” The list goes on and on. To me. Many of us put off and find reasons to avoid creating a plan that leads to valuable accomplishments. All the time that is wasted procrastinating is not putting us closer to reaching our goals.” “I can’t find a minute to myself.Overcoming Obstacles There is one obstacle that rises above the rest: procrastination. (Time management is so important I’ve devoted an entire section to it in Lifemoney Lesson #4).” “I don’t know where to start.” “I don’t have the help I need. 73 .” “The kids need me right now. It’s easy to put off making a plan for starting the journey to your goals. Remember how in school some kids put more effort into making excuses for not doing homework than in completing assignments (I know because I was one of them)? That’s what happens after graduation.
• Avoid people or things that will take you away from what needs to be done. 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. Don’t think about the whole thing. We all know time-suckers. go. Even pick one of your favorite exercises to start. You tell T 74 . some willing to work. Maybe after that is done and your body is in motion. or things (Xbox/housework/chores). You’ll feel better after you do. the rest willing to let them. 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. Instead of doing the dreaded cardio. Maybe a part that interests you most. • Do a part of the task. Just get up and go. Example: If you’re not feeling well and you are supposed to do cardio and weight training.” -Robert Frost h i nk about that quote.Lifemoney Lifemoney Currency “The world is full of willing people. you might be feeling up to doing the cardio. places (the mall). be they people (your lazy cousin Eddie). Don’t think to reschedule it for a better time. Or don’t think about not feeling that well at the moment. do “a part” of the task. Just do it! Example: When it’s time to go to the gym.
get a friend involved or find someone at the gym who keeps the same workout schedule. Number 2: Allowing Failure to be an Option Goals and challenges should not be lightly undertaken. think of how you are going to look at the beach. You can hire a trainer. Example: If you don’t feel motivated to go to the gym and you dread having to go. For instance. You need to be firm and stick to your plans and continue on to go to the gym. If he’s a real friend. • Focus on the results. don’t think of the exercises that you need to do. Many successful people consciously visualize a result before beginning a task. • Find a partner. find a workout partner. colleague or friend. not the steps it takes to get there. All successful people meet their obstacles 75 . If failure is always an option then success may never be within reach for you. Example: If you need outside motivation. he’ll be waiting for you when you’re done. which explains why a significant number will fail or relapse when the going gets tough. not the task. I’ve seen people literally write down “make a million dollars this year” on an index card. • Write down why you’re avoiding the task. Sometimes we just need a little outside perspective from a family member. 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. and spend every waking minute realizing their goal. visualize the result you’re after. fold it up in their wallet.Overcoming Obstacles him you can’t but he is persistent. Yet most of us grab onto great ideas for self-improvement without much thought.
Sylvester Stallone went through huge trials and tribulations as a writer. he found a movie studio willing to buy both his script and his portrayal of the main character. Much like the boxer in his now famous movie. He persevered until. The word on the street is that Sylvester Stallone got several offers on his script for the original Rocky movie. at last. star and creator to see his project come to life. Stallone refused to fail. How far are you willing to go for success? If you concede failure before you even begin.Lifemoney head-on because they anticipate them and are prepared to do whatever it takes to overcome them. 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. 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. Not allowing failure to be an option reminds me of the recent resurrection of the Rocky franchise in a sixth movie. then ask yourself questions like these right now to avoid making failure an option: • • • • • • What type of lifestyle changes do you plan to make? Do you need to move to a new place? Should you change jobs? Do you need a different eating plan? Do you need to make time to get more exercise? Which skills will you need to develop to improve your capabilities? 76 . you may never know.
if you’re trying to stop smoking but go bowling every Thursday night with team members who smoke. Emotionally speaking you may be thinking it’s too late for you to change. Being a doctor has been her desire since she was a child.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. my sister enrolled in medical school. At the age of forty. But it is never too late to achieve your desires. you may be tempted to light up with your buddies at the bowling alley. You might feel too old to reach your goals or that it is too late to realize your dreams. Life circumstances and 77 . This becomes a lifestyle challenge that you must address. For example. Changes could include switching to another hobby or wearing a nicotine patch on your bowling nights.
Your action steps might include dressing the part of the higher position. Utilizing the Goal Achievement Exercise I you will have a different plan and deadlines set to meet your objectives. -Brad Turk 78 . Your elaborate reasons will not impress anyone. Rather than making excuses. working overtime to prove your usefulness. Start with one goal at a time. Lifemoney Currency If failure is always an option for you then success may never be. This is just not acceptable. the thing you were suppose to do did not get done. But guess what? Excuses are worthless! There is never a need to make an excuse. like earning more money by asking for a promotion. be definite and defined about the action you will take and when you will take it.Lifemoney daily distractions could have kept her dream from becoming a reality but she did not – she would not – let them. The bottom line is. 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. and approaching your supervisor at just the right time to maximize your chances for success. Number 3: Making Excuses Excuses are very powerful. Excuses are probably one of the biggest obstacles that keep you from achieving your goals. when you make an excuse for not doing something.
Whatever you do. That means creating a written plan for reaching a specific goal. action steps. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. The plan should list the goal. remember that when this process is complete you are ready to step on the gas and head on toward your destiny.Overcoming Obstacles Goal-Setting and Overcoming Obstacles Summary Good things don’t just happen by themselves. and then tally your score. Being prepared to face them is a huge factor in overcoming them when you meet them. I am ready to create goals. timelines and an idea of some of the obstacles you’ll face. Lifemoney Currency: Good things don’t just happen by themselves. 79 . We need to do everything in our power to make them happen. We need to do everything in our power to make them happen. -Brad Turk Millionaire’s Checklist: Check all the items below that you agree with. _____ 2. I have a good idea of my action steps to reach each goal. Let me repeat: NEVER FORGET to anticipate that obstacles will come up. objectives.
_____ 4. _____ 7. I am ready to adopt the mindset of someone who will be successful. No excuses: I will not let myself off the hook. I have created a timeline for my action steps that appears to be reasonable. Lifemoney Currency “Excuses will get you everywhere.” -Brad Turk 80 . _____ 10. ______5.Lifemoney ___ 3. I have plans to fully and completely address all roadblocks to my success. I am looking to see how technology can make my life easier. _____ 9. Just not where you want to go. I am ready to stay committed to my written plan and see it through with daily reminders. _____ 6. I plan to tackle the more difficult things on my “To do” list first. _____ 8. I have thought about some of the obstacles I may face.
“Face facts: historically you guys have struggled to adapt” to which the Caveman replies “Yeah. inventing the wheel." Overview Success requires the right tools.' it would have made me actually look and feel ridiculous.” 81 . priorities and commitment. like walking upright. This lesson outlines the five critical tools you’ll need to succeed in reaching your goals. My favorite is the one where a television anchorman says to the caveman. Yeah. 'Good job. and laying the foundation for all mankind.Tools for Success Lifemoney Lesson # 4: Gathering the Tools for Success “If I said to most of the people who auditioned. A Successful Person’s Tool Belt I love the Geico Insurance commercials that make fun of cavemen. Learn to use these five with skill and you’ll achieve whatever you can dream. It's quite obvious most of the people who turned up for this audition didn’t have the tools and were hopeless. discovering fire. The five tools are focus. awesome. well done. good point. you’re right. time management. efficiency.
Humans seem to have this built in tendency to create easier ways to do hard things with tools that we make. you need to select and develop the tools that will help you achieve your goals. We create mental tools to help us achieve greatness as well. Though different tools may suit different people best. Technology is just a tool. There was a time when people had to be told how to use a telephone. Now that you’ve made up your mind to go after your dreams. nearly everything in our world is a tool.” -Tom Clancy 82 . Whatever the task requires .our tools surround us.Lifemoney We’ve been innovating and making tools since we lived in caves. If you stop to think about it. 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. People use tools to improve their lives. cars or computers .stoves. successful people use many of the same mental tools – and use them well. 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.
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
or browsing the classifieds or eBay for things you don’t need. after 50 years you would have spent more than a year of your life “wasting time. Just pride yourself on finishing projects and never allowing them to linger unfinished. only sleeps 4 or 5 hours a night.Tools for Success manage time well and you become a master of extra hours. too. If you’re unclear about your objective you’ll be unclear about the time you’re spending. like building a career. Take it a step further and think of how much time we waste every single day. Trump: Think Like a Billionaire. First. Second.” 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. ignore the invitation and do something constructive. think of the extra hours you could find just by adjusting to one less hour of sleep per night. weeks. To manage your time better I would suggest four things. minutes. 87 . months and even years. interesting. let alone two or three. busy with multiple high-profile projects including a daytime talk show and cookbook empire. be very clear about what you’re trying to accomplish each day. or reaching that goal you think you just don’t have time to reach. or useful for others or yourself. insists that she. In his latest book. contributing to the community. Donald Trump suggests sleeping only 4 or 5 hours a night. Third. The next time you’re tempted to spend time where it won’t count for much. finish whatever you start. talking over the fence to your neighbor. days. If you wasted just 30 minutes a day on surfing channels. enjoying your family. Rachel Ray. While this may be extreme for you. Extra snippets of time come in the most unlikely places. driving to the store.
except for three: his birthday. Someone who knows a little something about being efficient is Stephen King. So even though he is not working 10 hours a day on his books. don’t give into time wasters. The Green Mile and Hearts in Atlantis. or any other resource you have available. It’s a good lesson for all of us: you might surprise yourself 88 . Since publishing his first novel. Carrie. King has long said he writes at least four hours a day. the author of some of the world’s most popular novels. he is efficient with his time and committed to writing practically everyday. You are the only one who can guard your time – no one else will do that for you. Salem’s Lot. every single day of the year. money. the Fourth of July and Christmas. While many consider him the “King of Horror. The good news is you're the pilot.Lifemoney spend time at the end of each day reviewing what you accomplished and make 3 or 4 solid objectives for the next day.” . Lifemoney Currency “The bad news is time flies. back in 1974. and Misery. How does one author manage such a staggering number of pages? The answer is efficiency. Fourth. King has consistently published three or four novels per year. all of them bestsellers and featuring such instantly recognizable titles as Cujo.Michael Altshuler Tool #3: Efficiency Efficiency means finding ways to do things so they take less of your resources – whether that is time. energy. The Shining.” the author is also the mind behind movies like Stand by Me. Remember that your time is your time.
Let’s do an efficiency exercise. You also should get in the habit of counting the “efficiency cost” of each decision you make. but efficient work. 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.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. 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. some activities are more efficient in getting you 89 . My guess is that you will get more done in four focused hours than eight unfocused ones. weigh each one with a view to your goals. from time spent with friends to starting a home-based business. Goal Achievement Exercise L Take out your Workbook. “how will this clear the way to fulfilling my goal?” If you don’t have a ready answer. Everything in life has a price tag. From now on. you may need to reconsider that decision. Ask yourself. when you get the chance to make decisions. In other words. Not pushing paper or daydreaming.
For that reason. In order to focus and spend your time more efficiently.Lifemoney toward your goals than others. Some things are worth their cost but others can end up draining your resources and bankrupting your investment. I want you to realize a few things about time and think about ways you can use your time more efficiently. consider making changes like these to enjoy life now while working toward a better one for the future: 1. 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. That’s why you need to think long and hard about any long-term decision that may impact other areas of your life. decisions: • • • • How much will this cost in terms of money. Using time efficiently is a huge obstacle for many people who are would be success stories. Ride your bike to work to relax and get some exercise. especially future goals. To better manage your time and utilize your time more efficiently. time. 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. get in the habit of asking questions like these before making major. but efficiency of performance is what wins the game for the team. We often work so hard to “fit in” exercise that we either can’t do it or hate doing it because it took so much effort 90 .
We are not computers. or both. Get a Spam filter for your e-mail. Don’t rush through every day without examining where you’re going and how long it’s taking you to get there. Unfulfilled lists lead to depression and disappointment. Setting aside one hour at the end of every week to analyze how well. cars break down and bosses demand overtime when you least expect it. spouses need our help. What would you do with 7 extra hours per week? Watch one less hour of TV per night and you’ll soon find out! 3. or poorly. Eliminate the hassle by making something you have to do anyway. television can be a valuable tool. 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. When our “To Do” lists are too full. 2. neither of which fosters success. 6. When viewed wisely. and make any needed adjustment. which can be as little as fifteen to thirty minutes. 4.Tools for Success to accomplish in the first place. Monitor how you’re spending your time. When we schedule a block of time. with planning and forethought. 91 . minds. we can’t perform task after task without stretching our bodies. they often remain unfulfilled. Many programs offer everything from stock tips to weight loss programs to informational documentaries. exercise. Watch less TV and do something more productive. Don’t overfill your “To Do” list. like getting to work or going to the store. we tend to perform those tasks more efficiently. you managed your time that week can save you hours the following week by learning from your mistakes. most don’t. Set aside “unwind time” after work or school. between important tasks. 5. Things do not always go like clockwork. kids get sick.
you would not have a roof over your head. complaining is not action. Tool #4: Priorities What are the priorities in your life? For many. Appreciate unexpected delays. Bring a book to all your “doctors visits. don’t worry about the rest. 92 . there would be so much less to worry about. “Worry is not thought. You get up. 9. Think of the day you were sick in bed. 10. in restaurants.Lifemoney 7. If you’re stuck in traffic. especially when it’s spent in waiting rooms. we gain not just precious moments but momentum. the day begins with the priority of going to work and chasing a paycheck.” Never waste an opportunity to learn. Consider carrying a small notepad and pen with you at all times – or even just a couple of index cards tucked in a pocket or purse with a pen so that when you get a great idea while standing in line you have somewhere to safely store it until you can turn that idea into reality. Always carry something to capture your ideas. Entrepreneurs. Take a break to relax and listen to music. and even the average Joe have their best ideas at the worst possible times – those times when they have nothing to capture that idea. Only focus on things you can control. Without those paychecks. Mason Cooley once said. wishing you could be outside. I usually use car time to catch up on calls that I need to make.” 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. food to eat. waiting for appointments. etc. and get going to a job so you can take home a paycheck every few weeks. lobby lines. or a car to drive. open the window and enjoy the air. 8. Use waiting periods wisely. creative people. even when it’s spent waiting for things. When we learn to use our time – all of our time – wisely. get dressed.
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. and take time to spend with the ones you love. Do whatever you’re doing all the way. The need for a clean desk before you can begin is less a necessity and more of an obstacle.” That is why you need to prioritize your goals and make them part of everyday reality: if you don’t. If your goal is to write a letter to someone. don’t spend three hours cleaning your desk so you can get started. Don’t do busy work.Tools for Success Another priority for many people is their relationship with family members and friends. complete all the important things at the beginning of each day. 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. 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. I have found this to be the only way I’ve been able to maintain my various business enterprises successfully. Choose a priority and be a finisher. Focus on one step at a time. focus on writing and not the collateral activities that might make writing that letter easier. In other words. The third suggestion for prioritizing. Grab a pen and pad (or your laptop computer) and go to the kitchen table or to the park and just start writing – now. Don’t multi-task and try to accomplish too many things at once. Second. You can easily become distracted doing this and usually nothing gets done right. something or someone important is going to get short changed. Finish what you start when you start something. 93 .
Mother Teresa. my partners and I had a synergy allowing us to accomplish more in less time. Even though I had to share the profits. and freed up some of my time to work on other priorities.” -H. Lifemoney Currency “Don’t say you don’t have enough time. You have exactly the same number of hours per day that were given to Helen Keller. Your time belongs to you. But why spend hours handling that task when my time can be put to better use? Last. and Albert Einstein. Michelangelo. Thomas Jefferson. give up the little things that scatter your time and energy. There’s no point wasting valuable minutes listening to a telemarketer selling me some new phone service I don’t want or need. Pay less attention to things that come up but have no relevance to your goal. Take on only what you want to do and say no to the rest. it was worth it to me. don’t be afraid to say “no. Together.” Delegate worthwhile projects that can be handled by someone else. create a sense of urgency for important activities that are going to be meaningful in your life. 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. Pasteur. Sure. I could do it myself. One example from my life is that I pay to have my laundry done. I never answer my phone unless it is a call I’m expecting. 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. Jackson Brown 94 . Fifth. Sometimes you might want to consider sharing profits or payoffs in order to get needed help. Leonardo da Vinci.Lifemoney Fourth.
In the last ten years. a key part of your lifestyle. consistently. we call it a mortgage. His response was that working out was one of his daily events. You wouldn’t go a whole day without eating. they make a commitment to the bank. he had not missed a single week of working out. eating. besides his normal two week break. or sleeping. when someone buys a house. we feel obligated to keep that date. 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. For example. Then the real embarrassment came: after going over his working arrangement. he told me that he hit the gym five times a week. as he calls it) for over ten years. 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. it was like brushing his teeth. It was something he had to do. However. you need to make your goals – things to do – daily activities. Most people take that commitment very seriously and will make all types of sacrifices to meet this obligation. I was amazed at his dedication and commitment. In the same way. When we make an appointment to see the doctor. would you? 95 . When I was talking to him about his workout plan. 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.Tools for Success Tool #5: Do or Die Trying Commitment Most people are very good at keeping “commitments” to others. I have a friend who has been bodybuilding (or body sculpting.
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 • • • 103.314 phone calls will be misplaced by telecommunication services every minute 12 babies will be given to the wrong parents each day 268.Lifemoney Another great example of commitment would be Sean “Diddy” Combs running the New York City marathon.200 books will be shipped in the next 12 months with the wrong cover 5.517. give 100%. Go big or go home. I saw him) to a few months later running 26. Here’s a breakdown of how things might look if only 99.000 checks will be deducted from wrong bank accounts in the next 60 minutes. 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. He wanted to run in order to raise money for health-care and education initiatives benefiting the Children's Hope Foundation. 22. 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.260 income tax returns will be processed incorrectly this year 2.500 defective personal computers will be shipped this year 2.2 miles. He set a goal and did not stop until he reached it. because a 99.9% effort will not get you where you want to go. He went from hanging out and drinking at clubs (I know.488.9% effort were given. 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 . Follow through. 1.
next Thursday and every day in the future on defective.000 credit cards in circulation will turn out to have incorrect cardholder information on their magnetic strips • $9.900 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. 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.056 copies of tomorrow’s Wall Street Journal will be missing one of the three sections • • • 18.000 incorrect drug prescriptions will be written in the next 12 months 114. Jamie was already a 97 . Any Given Sunday. The director. saying Oliver Stone didn’t know what he was talking about. often unsafe. He even went so far as to tell Jamie that he “would not waste one inch of film on him.500 mismatched pairs of shoes will be shipped this year $761. Oliver Stone.Tools for Success • 3. tomorrow. Jamie could have easily walked away.690 will be spent today. sporting equipment • • • • • • 55 malfunctioning ATMs will be installed in the next 12 months 20. wanted nothing to do with Jamie.” He did not believe Jamie could pull off the part.
-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. First. Moesha and Hanging with Mr. practice wise time management to avoid wasting valuable time – the one resource you can never get more of because once a 98 . They are humble enough not to think they are too good to put in the extra effort. But that’s not how Jamie viewed and approached it. Lifemoney Currency Never. Second. He had also starred in several movies by this point. So that’s how successful people handle getting something that they want. and he had already done many TV shows like In Living Color. never. remember to get and stay focused on success. they are confident in their abilities and they stay committed until the task is accomplished. He had his own TV show. never give up. Roc. The Jamie Foxx Show. he said that he couldn’t make the movie without Jamie. Cooper. 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. I think it is fair to say that although it turned out to be a great part for him. I heard that after Oliver saw the audition tape. at that point in his career he did not need the role.Lifemoney successful comedian/actor.
Lifemoney Currency ”Success doesn’t come to you. make efficient use of your time. you go to it. and resources. make a commitment to embrace your goals and make them part of your life. Fourth.Tools for Success second. Third. work hard to eliminate the “white noise” of your daily activities and learn to pay attention to the things that are truly meaningful – your priorities. talents. minute.” -My Mother 99 . or hour passes it is gone. Last.
I have made a list of the major distractions in my life. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 5. I am “do or die” committed to doing what it takes to reach my goals. _____ 10. _____ 4. I have begun sorting high priorities from non-essentials. _____ 3. I have evaluated my schedule and am eliminating the time-wasters.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. _____ 6. I am willing to delegate some tasks to others. _____ 8. change or impact – You can’t worry about” -Brad Turk 100 . I am determined to include my goals in daily lifestyle activities. _____ 2. I have identified my focus and am ready to pursue it wholeheartedly. _____ 7. and then tally your score. I am learning to make choices that will lead me toward my dreams. _____ 9. I am taking steps to avoid or redirect or see beyond these distractions. I am taking specific steps to make better use of my time. Lifemoney Currency ”What you can’t fix.
At one pivotal point in the movie. compassionate and ultimately successful man named Christopher Gardner. to 101 . only to find out later that the IRS has seized the bulk of the account. You add them all up. and one day you look back and you’ll be surprised at where you might get to. Progress Report When Will Smith played the lead character in The Pursuit of Happyness. You may not feel like you’re making much progress yet.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. your plans for reaching your goals are in play. one giant leap for your life. Now it’s time to capitalize on this momentum and utilize Lifemoney Lesson #5: Evaluating Your Progress. Gardner believes he has over $600 in the bank. he took on the role of a complicated.” -Christopher Gardner Overview Finally. as long as you are going forward.
The resulting loss sent Chris and his young son onto the street. or simply withdrawn the money – in other words evaluated his position and adjusted – the nightmare period in his life might not have occurred.Lifemoney the tune of $600. Luckily Chris’s other Lifemoney skills compensated and he was able to build a bright future. For example. 102 . Instead. if not years. It will cost about $5. where they remained homeless until Gardner could complete a grueling internship program for Dean Witter. But don’t worry: patience and paying attention brings progress toward your goal. in retrospect even Chris Gardner can admit that if he’d paid his taxes before hand. filled out paperwork for an extension. Why is this so important? Most of our goals take longer than a few hours or even just a few days it reach. and literally withdrawn it from the account. But this motion is not complete unless you are taking active steps to measure your progress and know where you are on your journey at all times. it will most likely take months. it’s easy to wander and not finish the essential steps that lead to your goal. you need your plan clearly laid out and a means to track how you’re doing. shipping and delivery of the first 2. Busy work doesn’t get it.500 shirts to local retailers. to do everything that you want or need for your dreams to become reality. When things take time. let’s say you plan to launch your own line of T-shirts with clever sayings printed on them. While the event seems tragic. You’ve decided that you’re going to launch your t-shirt line six months from now.000 for everything you need to get started. including printing. 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.
What happened? Most likely – you made a bad assumption. and you recall spending $300 to get a new bicycle. you simply failed to keep track of your progress. Were you on track? Yes. a daytimer. This means that you will need to save $960 in the next six months. where you’re going and how you’re doing. Keep it simple. Don’t forget the map! The solution to this common problem is either a chart of your own making.Evaluating Progress Now let’s say you have been saving for a year and have six more months to go as you continue putting the rest of the puzzle-pieces – printing. What happened? Well. We often just assume things are going to work out once we have our plan in place. but a big 103 . Was the goal bad? No. or about $160 monthly. Was it out of reach? No.040 in your money market fund. shipping and delivery – into place. But when you check you notice that there is only $4. if we hadn’t checked our progress we’d have found ourselves a few hundred dollars short when the time came to launch. but by all means use something. I prefer a big calendar. This messes you up because initially you only needed to deposit $110 in the account each month. What might have happened if you didn’t take notice that you took out all that money? You would have failed to achieve your goal. A few hundred dollars doesn’t seem like much but sometimes it is the difference between success and failure. The simple reality is you need one single visual reminder of what you want. electronic calendar or some other external system. It’s been a year since you made the decision to launch. In this example. so you decide it’s time to check your savings growth to be sure you will have enough money when the time comes to launch your line.
Your reminder system should have several key components. I write these action steps in clear and direct language using 104 . I’m addicted to simplicity. 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). As always. They are items that need to be accomplished to get me further toward my goal. It’s important to monitor each goal separately so use a separate sheet/planner for each goal. Also. I found that writing them down not only keeps them fresh in my mind but leads me toward acting upon them. make this sheet physically easy to see as you go through your day. 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. 3. I would suggest that you go back to Lesson #3 and review/use the goals you set for yourself in Exercise F. Let’s find out what they are. and putting them in a place where they can be reviewed regularly is a huge part of making them a reality. Written goals are powerful. I make sure I regularly review my objectives. Here are my basic elements: 1. 2. Objective: It is here that I write the specific objectives I’m trying to accomplish that are critical in reaching my goal. so I’ve broken down my own personal system into five easy to monitor factors.Lifemoney piece of paper would do. As you can probably tell. List a Goal: This is where I simply write out my goal – one goal per sheet. Action Steps: This is where I keep track of the simple steps I will need to do to accomplish my objectives. 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.
If I reach my objectives. Outcome: This is a clear statement of exactly what I expect to happen as a result of setting my goal. Now it’s your turn. as well as your response to them.Evaluating Progress action oriented words. 4. How you arrange your grid is up to you. If I do all my action steps. I am going to use an example of setting a goal of becoming a better golfer in a year. Closure on my objective always makes me feel good. I will reach my goal. You may need to change the grid occasionally to reflect new stages of your plan’s evolution. You can find lists of action verbs by doing a quick Google search for lists of action verbs. 5. Goal Achievement Exercise M Take out your Workbook. Take it out for review often to make sure you are headed in the right direction. Completion: I always mark the date when I’ve achieved each objective. Create a grid that lists basic steps for reaching your goals. Charting your journey in writing helps to make the whole process seem more real. but below is a model that provides an idea of how yours might look. We’ll start with January. the more accurately I can tell if I’ve reached what I originally envisioned. 105 . a popular time of year for making new resolutions or resetting ongoing goals. creating objectives and action steps. I reach my objectives. and keeps you in touch with the realities needed to make your goals happen. I have found that the more specifically this is worded. and is a great marker of progress toward my goal.
Date Completed You can see how easy it is to fill in each week with activities related to your personal quest. will be spent revisiting an earlier action step. and how often. Year-round practice will improve my skills. Learn terms. you can quickly and objectively measure your devotion and success in chasing your dream. by the way. Action Step I will take 2 hours during the first week of this month to write out my plan. When you go back and check your grid periodically. Objective I will maintain a complete plan for attaining my goal of becoming a scratch player. Read one golf magazine article per week to learn more. For instance. Enjoy the thrill of getting better. Outcome I will enjoy my golf game more and feel a sense of accomplishment. after telephoning the toll-free number during the 4th week of January to request your subscription to the golf magazine. and equipment of golf. Check yellow pages for indoor putting green. I will surf Internet for local golf pros. pros.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. 106 . you may spend another week in January (or whenever the first issue comes) reading articles from the publication as your action steps for those weeks. I will make the time to sign up for lessons and commit an hour a week to practice. to work toward your goal. Call for subscription to Golf Digest. I will get expert help and assessment. keeping a grid like this one will show at a glance what you are doing. Some weeks. Even if you don’t fill every moment with related tasks.
even if that means rotating new activities through the process until you find one that works best for you. For example. the diet routine. remember to adjust the steps to getting there. “You did nothing wrong. it also forces them to be specific. Fortunately and unfortunately. if your goal was to lower your blood pressure through a diet adjustment that reduced your daily intake of salt. 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. To find out if you’re off track I suggest you find out what you did wrong.” This makes them think. “Please tell me the three things you liked least about what I did. I liked it all. Ask good questions Most people want to know what they did right.Evaluating Progress If you decide to change your goal for whatever reason. 107 . If.” To get better information ask. This is good. chances are it is correct. or instead of. Ask for outside input from people you trust to be honest. Evaluate the input. Make it easier for them to evaluate you by asking the right questions. and you found little change in the numbers after a few months. you are now going to get a few things that they were not that excited about. you ask a trusted person “What do you think I did wrong?” I can almost promise you the answer will be. for example. Find something that works. If you get the same input from different sources. you could switch to a physical activity approach in conjunction with.
Before you open yourself up to criticism. I’ve been wrong on many occasions. 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.Lifemoney Welcome criticism Some of the comments you receive might include criticism. Don’t be afraid to be off track—or even outright wrong. Criticism is good – it lets us see a different side of ourselves. Analyze the critiques and use them as you see fit.4 billion was thrown out of 2nd grade. Keep in mind that not all opinions you get will be accurate. just listen carefully and ask how you can do it better. He was told that his best hopes for a career would be as a carpet layer. and thanks to a few good friends and trusted experts was able to refocus on the things that were most important to me. which is totally worthless. people will stop telling you what they really think and say only what you want to hear. You don’t have to take every piece of advice that’s offered. don’t reject impressions just because they are negative. In 3rd grade he was sent to a school for mentally challenged children. If you argue or make excuses. It also lets us know how others see us. Read some of these famous examples of very wrong opinions: • Paul Orfalea who founded Kinkos and eventually sold it to FedEx for $2. You’re allowed to discard opinions if you have a strong impulse that they are wrong. 108 . however. When someone tells you point-blank that you’re going about something all wrong.
Good thing he didn't. if your goal is to retire at age 45 meet with a financial planner. and film.Evaluating Progress • Thomas Edison was told he was not teachable. With his creative mind he patented over ten thousand inventions. or an investment agent to discuss planning strategies that can make this possible. Woolworth. You might even want to get several opinions and weigh several options before making a final decision. and creative theory of relativity that has shaped modern physics. or we wouldn't have his incredible. where you want to be. These also help to make sure you have a realistic goal set and that your 109 . Yet. your banker. the phonograph. and how to get there in the most efficient way. His bosses thought he lacked the common sense. His name was F. that he was a screw-up. taking a personal finance class. he never gave up. or attending a money management workshop are additional ways of becoming more knowledgeable. Before being home-schooled he was kicked out of three schools. He wasn't a linear thinker and couldn't go from point A to point B the way his teachers wanted. Get enough information to provide a clear picture of where you are currently. far-reaching. His last headmaster said he'd never make it. • Albert Einstein struggled in high school math. • • Walt Disney was once fired for a lack of "good ideas. including the light bulb.W. For example. founder of Woolworth’s and modern department stores. Seek the input of experts Ask experts who know more about the subject than you do for their opinions about your progress to date. Registering for a financial planning seminar.” There was once a twenty-one year old who wasn’t allowed to talk to the customers.
As you try to achieve your goals. I just can’t stress how important note keeping has been to me to evaluate my progress on a regular basis. this is the time to reevaluate your goal.K…. KEEP IT SIMPLE by using the graph I’ve described or some other simple system of your own. If after checking yourself you find that you are falling behind in daily activities that move you toward your goal. or meeting someone and falling in love. you still have time to adjust your plan to maximize your chances for success. the loss of a job.What If You’re Way Off Track? Things happen in life that cause us to get way off track – a vehicle accident. Watch your goal progress closely Check your daily activities. Four hours on Saturday working toward your goal is still less than an hour daily for six days a week. daily steps that carry us the furthest distance. Either is fine. Are some carried over for long periods of time? Are you making substitutions for temporary pleasures that eat up your time and resources without bringing you closer to lasting fulfillment? Remember that it is the small. you may get off 110 . O. Some people even use something as simple as notes. If not. and your progress to see if adjustments are needed for a better chance at a successful outcome. keep track of your progress. Are they moving you toward your goals? Review your “To Do” list to see what percentage of tasks get completed each day. as long as you continue to make steady progress. a great new job offer that comes unexpectedly. Your best skill is your ability to write things down and track yourself. Notes to yourself. Above all remember. carefully used can allow you to see at a glance whether you are maintaining the pace you have set for yourself. a death in the family. your plan.Lifemoney plan for reaching your goal will allow you enough time to meet the goal.
We’re going to address some of the internal areas that may get you off track to achieving your goals.” “You’re always late. List the five most common criticisms you hear about yourself. The faster you uncover the weakness within you and address it. the faster you can get on your way. And don’t forget that sometimes you get off track due to internal factors rather than external ones. “You always complain and never offer solutions.” “You’re attitude is bad.” “You work slowly. There are some very good action steps you can take to get yourself going again. Your response might include action steps like these: • Track several small tasks to be sure you finish them correctly and on time. Goal Achievement Exercise N Take out your Workbook. • • • • • • • “You have trouble following through to get things done. 111 .Evaluating Progress track too.” “You’re stubborn and won’t do as you’re asked. properly aligned and refocused. Don’t beat yourself up for being normal.” Rather than being upset or offended. and then outline action steps you can take to address these. Then move on to do the same with larger tasks.” “I have to constantly watch you because you waste so much time. You stop exercising or you start watching a new television series that leads to another new show to another and to another. take this information and use it to your advantage. Here are some examples to get you started.
Better yet. daily pieces that when completed will gradually accumulate and lead to success. there are many things you can do to address problem areas and turn them around to make negatives into positives. Keep these keys in mind: 1. Write down the smaller. more doable chunks that you make note of it in your planner. you will lose track and wander in pursuit of your goals. Break big tasks into smaller ones: If you are failing to achieve each of your outcomes. come up with a clever solution to some problem the boss is having. Fortunately. gut-level honesty. Then be proactive in making changes to benefit yourself and others. Admit your weaknesses quickly: Every single successful person I’ve ever known understands the power and advantage of pure. I strongly suggest that if you break your tasks down into smaller. Be honest in soliciting opinions from others and acknowledging your weak areas. • • Finish the task at hand and ask for something to do next. Especially honesty with yourself about your own weak spots. Set a timer and trying to beat it on a certain task – just be sure you do the task correctly. more specific steps you 112 . 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. break the goals up into smaller. 2.Lifemoney • • • • Make it a point of pride to be at work 15 minutes early Go overboard to do exactly as you’re asked without backtalk Work on being an encourager to others Step up your pace at work. Being honest with yourself is a powerful tool.
d. etc. Resourcefulness). 4. weekly. take personal responsibility for the difficulties encountered in your quest. Save at least $10 per day for an average of $300 per month or $3600 per year. c. i. f. Here are examples of small activities that can be conducted daily. or monthly and recorded in your planner as tangible evidence of your ongoing efforts: a. h. e. Contact at least one new potential employer each week. daily. Work on replacing a bad habit with a good one each month. Seek it out and you’ll find more encouragement than you’ll be able to handle. Review your written goals more regularly (hourly. you will be amazed to see how much you’ve actually accomplished. 3. j. Meet with your mentor every other week for feedback. Read a self-help book related to your goal. Whatever you do. (I speak much more about this in Lifemoney Lesson #6. Check out at least one set of blueprints for your dream home each month. Learn something new related to your goal every month. as well as find inspiration to help you continue to achieve your goals. Have a weekly date with your spouse or child to improve family relations. Make one sales call daily at least five days per week. 113 . and be willing to make the necessary changes that will help to ensure success.) g. b.Evaluating Progress intend to take. Stop and reflect on your life more often: When you stop and reflect on your life every month or two. Seek out successful people for advice: Free advice is all around you.
” 114 -Brad Turk .Lifemoney Lifemoney Currency “The price of greatness is responsibility. If you feel that you are unable to follow the timeline or stay with the quest. plan to re-assess your progress. Every success story is written with dozens of action plans that were brought to fruition through focus and commitment. evaluate your progress thoroughly.” -Winston Churchill Evaluating Your Progress Summary Successful people don’t just spring out of nowhere. To tell the complete story. and then give it all you’ve got! Lifemoney Currency “Dreams are real. factor it into the equation. realistically – and often. After taking action steps toward your objectives and ultimately the goal. You may have to revise your daily or weekly goals from time to time. breathing things and you can see them every day – when you chart their progress in a way that is real and authentic to you.to determine what you are able to complete on time. Do this assessment frequently. Make a visual reminder – like the grid I use . as well as anything that remains unfinished. but that’s fine as long as you don’t abandon the journey. Come back to your journey when your batteries are recharged. If anything has changed since you began the quest. take a short break to renew your mind. living.
_____ 3. _____ 8.” -Brad Turk 115 . I have the names of several people I trust to give me good personal feedback. I will invite and accept criticism that is given with a view to helping me. I will make efforts to change or eliminate bad habits. _____ 5. I will be quick to admit my weaknesses _____ 7. _____ 2. I will reevaluate my goal. and then tally your score. I will solicit feedback from experts. _____ 4. _____ 9. In gathering feedback I will ask good questions. along with my progress at regular intervals. _____ 10.Evaluating Progress Millionaire’s Checklist: Check all the items below that you agree with. _____ 6. I will create a grid for recording action steps that lead to my objectives. I will check the grid periodically and make any needed changes. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. Lifemoney Currency “Be consistently consistent. I am going to regularly check my progress toward reaching my goals.
116 . you need to look for other routes or means of help. had to create his own destiny.Lifemoney Lifemoney Lesson # 6: Resourcefulness “We are all capable of infinitely more than we believe. We are stronger and more resourceful than we know. It’s how you handle the resistance that leads you to success.” Overview Everyone struggles to meet their goals. knows firsthand what it means to be resourceful. This Lifemoney Lesson is about focusing all the resources at your disposal on overcoming challenges and making your dreams a reality. Sean. Can’t Get a Job? Buy the Company! Platinum selling rapper Jay Z (Sean Carter). who was brought up in the Marcy projects in Brooklyn. everyone encounters resistance along the way. When things don’t go as planned. whose net worth is estimated to be $320 million. and we can endure much more than we think we can.
in some cases. he also expanded the Roc-A-Fella empire.” And that’s what he did! He co-founded Roc-A-Fella Records. Being a talent was not good enough to attain his success. around it or. right smack through it? As you begin your journey to reaching your goals. “I was forced to be an artist and a CEO from the beginning. which was the fastest selling Reebok shoe in history and made him the first non-athlete to have a signature line of sneakers. including Kanye West.Resourcefulness When he first started out. which includes Roc-A-Fella Films and Rocawear . with 18 Grammy nominations and 5 Grammy wins. you might be filled with 117 . Sean was unable to get a record deal. How resourceful are you? Could you overcome adversity by thinking not just “outside the box. No one seemed to be interested in his music or recognizing his understanding of the music business. but the careers of many other superstars. When faced with resistance he responded by finding solutions to his problems. Carter line of Reebok sneakers. In addition to becoming the President of Def Jam Recordings. He has a willingness to find any way to achieve his goals. which eventually shaped his destiny. he needed to be a businessman as well. Jay-Z became one of the most respected rappers in the music industry. So much for the opinion that he had no talent! Where did this empire come from? Simple: it stems from Jay Z’s resourcefulness. under it. the 40/40 Club in New York City.a very successful clothing line. I was forced to be like a businessman because when I was trying to get a record deal…it was either give up or create my own company. part ownership of the NBA New Jersey Nets and the S.” but over it. Other ventures of his are Armadale vodka. which launched not only his career.
The resources you’ll need to tap into can come from inside yourself or from around you. Either way. 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. you can find resources that will make all the difference in your search. Lifemoney Currency "I've found from past experiences that the tighter your plan.Lifemoney confidence. With a little bit of effort and some common sense. or mediocrity and brilliance. What do I need to be resourceful for?” Do yourself a favor: go into your bathroom. the more likely you are to run into something unpredictable. You’re going to need to be resourceful no matter how much you have going for you. Successful people never hesitate to look for resources that can mean the difference between success and failure. They might come from your creative imagination or perhaps from the lives of other people. “I’ve never felt better! I have a sense of purpose. You may be thinking. This lesson points out some useful resources and answers for the troubles you will encounter on your journey." -MacGyver MacGyver It! Remember that great series on television called MacGyver? It was about a resourceful guy that could build radios with coconuts. then slap yourself in the face. run some cold water over your hands. and I know exactly what I have to do to reach my goals. do surgery with a pocket knife and 118 . turn on the light.
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. Did you ever consult someone about a problem you were having. expensive. and realize that often the reason you’re stuck is because you’re not thinking big enough. you must be the same way. and when it comes to succeeding in your life. 119 . even if you’re unsure of the outcome. He was the picture of resourcefulness. You’ll have to learn to let your mind go in this fashion. 2. these four insights are a great place to begin thinking about your own resources and how you utilize them: 1. only to be told something you already knew? Often. Take the time to take stock of the situation and think on your own. and then brainstorm big. he could always find a fix to any obstacle he faced using just what he had around him. These are four ways of thinking that have made me a better businessman and human being. big thinker. but the natural resourcefulness of your mind will reward you with many great and doable ideas. The trick is to keep your mind focused on what you want. Never discount crazy thoughts and always try to open your imagination to bigger and more daring ideas. Relax and think: don’t let the complexity of a problem paralyze you. resourceful problem solvers are some of the most open-minded thinkers I know. You can always do something. Be an open-minded.Resourcefulness make a computer out of duct tape. Take stock of the situation to see what you can do. wild and fun solutions. Though you may not end up being MacGyver. Take time to jot down problems for which you’re seeking solutions. I want to make four suggestions for being more resourceful. Clever. He was never played out.
over a microphone to your computer. As you can see on the cover of this book. but walk with eyes – and ears – wide open. Don’t look at life with the jaded self-knowledge of an adult. When attending a high-power meeting I’d take along a good friend. I have a baby face. who was middleaged and looked more of the part I needed to play. out-of-the-box resource idea and it worked.Lifemoney Let me give you personal example of an idea that was pure Lifemoney resourcefulness. big thinking I created a great solution. George and I appeared to meet expectations for maturity and sophistication. and in a moment of wide-open. 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. however works best for you – and then review them every once in a while to see if there is one you can implement. “Why? Why? Why?” And never be afraid to ask what you think is a dumb question. This was a problem. George. I was able to pitch my products and services to an open ear. Make sure you capture those ideas somehow – in paper. 120 . And when you come up with all those big thinking ideas – capture them. It was a big thinking. I look a lot younger than my real age. I looked nineteen. At twenty-five. As a team. Once the perception piece of the introductions was achieved. Don’t be afraid to ask questions from people who know. ask over and over again. 3. As an entrepreneur or creative thinker or just someone who develops their Lifemoney skills you’ll find that you have so many new ideas that you don’t have time to act on them. Be a pest. That’s how you learn. Become four years old again. I was trying to launch my business and wanted professionals and industry experts to take me seriously.
I struggle to learn. It was taken from the web site http://members. I've forgotten how to laugh at blunders… 121 . Notice how the man reflects on the child’s actions which are a surprising and amazing source of new thinking for him. I see problems. Book is your favorite word. I find embarrassment. With wild abandon you tackle new words. hoping to master the computer in one easy lesson or not at all. you can’t know everything. You want to paint. Questions are your favorite tools. My dear granddaughter Hannah. new skills. You love to learn. I see danger. You need to build confidence that you’ll find answers hidden in out of the way places then make yourself search there. How many times have heard of a solution to a problem coming from a totally unexpected place? Resourceful people are always making themselves look for answers in places nobody else is looking. You find laughter in mistakes. You want to know everything. I see mess. You are only two. Here’s a thoughtful letter written to a child from her grandfather.htm.ca/athomas125/hanna. And in my experience. you see colors.Resourcefulness You don’t know everything.shaw. and yet you have already mastered attitudes that have eluded me for half a century… You see opportunities everywhere. Look for solutions in the most unlikely spots. 4. some of the best solutions I’ve ever come up with have been very simple ideas from an area I knew little about. Risk asking a lot of seemingly dumb questions and you’ll be paid back millions in Lifemoney. You want to climb the attic stairs. You see steps.
These could be friends. Just keep going until you find the information you really want. and though you dislike it. Talk to people from teens to retirees. asking questions about their perspectives and ideas. or information you can’t really use. I love you for who you are! Grandpa Dan Dear Lord. I stick with the familiar favorites. 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. tomorrow you will tackle cauliflower with the same exuberance. When you’re listening to an answer.You’ll Find It Finding the right information can be like looking for hidden treasure without a map. You may be surprised to find someone right at your doorstep who can offer a positive example of courage and creativity. help me to grow up and become just like Hannah. Keep Looking . But that comes with the territory. and relatives who may have an idea or solution to your problem. After talking to one resource person or another. Ask questions that seek out detail rather than just yes and no. And learn to ask better questions and be a better listener. At lunch you boldly bite into broccoli. Sometimes you may not know where to begin the quest. you might be given all sorts of misleading ideas. 122 . if it's not too late. Look around for success “MacGyvers” hiding in plain sight all around you. neighbors. You walk right up to a stranger and smile. You have to take the good with the bad in your search for answers and put all your resources into continuing the search.
you should be able to find worthwhile reading. Don’t be afraid to use all of the resources available to you to gather more resources. find a seat at the café. All you need to do is pick a search engine (I use Google. You can even use full sentences to pinpoint the closest data to your topic search. 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. Look at the jackets and back covers for ideas about whether a book will be helpful. Instead of sitting in front of the television or playing video games. There’s no better or quicker way to 123 . If not. try different variations of the same words until you find what you are looking for. That’s the beauty of the modern world. and read a recent biography of someone you admire or a book on a topic related to your goal. spread far and wide. often at the press of a button. Here are four incredible resources.Resourcefulness You probably won’t find everything you need in your back yard. technology is bringing us closer together. But you can go anywhere you want and talk to whoever you like. buy a cup of coffee. If you don’t find an exact match. You don’t even have to buy the books. spend your time searching for buried answers. Even as there are more and more of us. 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. In a larger bookstore chain. you can just read while you’re there. Whatever your needs or interests. ask a store associate to order materials for you. Number 1: Google it The internet is one of the quickest and easiest tools you can use to research and learn about any topic.
and Los Angeles you have the Learning Annex (learningannex. and videos. Minneapolis. 124 . Toronto.Lifemoney educate yourself than by spending some time at the bookstore and seeing what’s available. borrow books for free at the library. movie producers and music moguls at your disposal. Check your local area for something similar. If your library doesn’t carry a book you want see if they can get it for you from another library. 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 can also get audio books. You don’t have to buy the product. language CD’s or DVD’s (if your goal involves traveling abroad). Don’t forget to check out online seminars – sometimes called webinars – that may pertain to the topic you are interested in learning as well. but you may learn a few things from the expert while you participate in the webinar. Most libraries offer this type of service for free. San Francisco. Many companies offer free webinars with noted experts in a particular field as a way to sell their products. In New York. 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.com) where they constantly have well known speakers. San Diego.
That thrill of learning still exists inside you today. you will be able to learn from the experts in that field.Resourcefulness Lifemoney Currency “No matter where your interest lies in making incredible amounts of money. How do you accelerate it when you need it? Approach each of your challenges with the intensity and curiosity of a kid. Be 125 . or showing off your playground skills to other kids. waiting for the chance to drive you toward solving your challenges and meeting your goals. One life changing piece of advice can make you thousands if not millions. Read books and look for television programs. It is idling in you right now. Ask the people around you what they know about New York. 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. find out all you can about life in New York and the companies or groups associated with this new job in New York. For example if you’ve challenged yourself to get a great job in New York City.
Often we outgrow our friends. • Join a special interest group. Most colleges – especially community colleges offer informal. work on building friendships with new. suggest that it be taught in the future. Rather than ditch your old friends. Those friendships can form quickly and be lasting.Lifemoney excited about moving to New York! Don’t stop in your quest for knowledge but develop a hunger for it. find a writer’s group or a reader’s club. then ask lots of questions. To run for civic office in a few years. Check with a local community college or university branch campus for information about these classes. No matter what your interest. Learning new things is virtually guaranteed. You can meet experts in your field of interest and learn things about your pursuit you never knew existed. Consider joining 126 . • Take a non-credit class. Listen first. Here are some other ideas that will ignite that inborn excitement about learning: • Develop friendships with like minded people. • Online Special Interest Groups. Over time our interests drift and friendships change because your interests no longer match. volunteer at a local official’s office and see how it works. specialized courses that often cost under $100 and run over a day or several weekly classes. and provide you all kinds of problem solving resources. like minded people that share your intensity in life. If you’re planning to write a novel. If they don’t have one you want. the internet provides an opportunity to meet many like minded people.
Wednesday and Friday. such as: 1.Resourcefulness an online community. List three places where you can go to find some information that will further your ability to be resourceful. Lifemoney Currency “In the decade ahead I can predict that we will provide over twice the connectivity that we provided in the '90s. Consult a community resource center 2. 2.this week I will seek out one interest group related to my goal 127 . reading blogs about topics that interest you. Community resource center – attend evening sessions from 8 to 9 Monday. Join an online chat room 3. assign timelines in which you will visit these places. such as: 1. or subscribing to a mailing list of like minded folks. Online chat room--. Visit a local learning annex Once you have these three written down.” -Bill Gates Goal Achievement Exercise O Take out your Workbook.
and while attending.com. According to Answers.” -Donald Trump Find An Expert Everyone can benefit from having a mentor. It was there that Diddy met his mentor Andre Harell and Uptown Records proved to be his launching pad. learning the industry from the ground up. look for experts in your field. Sean “Puffy” Combs worked in thankless jobs like the rest of us.. You’ll be amazed at how often folks who have already reached a goal want to help you do the same thing they did. Like Diddy. you might as well think big. Lifemoney Currency “If you are going to be thinking anyway. Uptown Records. those who have already accomplished what you want to do.Lifemoney 3. learner and observer. convinced childhood friend Heavy D to sign him up as an intern at the label for which he recorded. If you’re planning to write a best selling novel. Combs applied to Howard University in Washington.C. D. contact authors whose writing style you like and ask them for tips on 128 . and found resources anywhere – and everywhere – he could. But Combs was an avid listener. Visit a local learning annex---I will call or stop for a brochure or information on upcoming free public lectures and interest group meetings. Before he became known as Diddy.” There he swept floors and kept his ear to the ground. “Already a shrewd businessman through his two paper routes. This is someone who will work with you to set goals and help you make plans for reaching them.
get some books about famous people who have already made it in the area where you want to go. You also may want to consult the local Small Business Administration or a retired executive. before you speak to them. Try other people or be persistent with the ones you really think are important for you to meet or talk with. Look for people who can provide guidance. Books. And. Ask questions like. Go straight to those who know the ropes and can share a bit of wisdom. Learn it first then conquer it. Look up biographies. “What is one thing you would do differently?” Study those who are where you want to be. If speaking directly with an expert isn’t likely. 129 . and who won’t turn their backs when you need help. Don’t fight the system if you don’t have to. Avoid their mistakes. but people are the ultimate resource. You could contact publishers. videos. Or look up a local leader that you might be able to interview or job shadow. When learning from the experts. if applicable. Don’t rely on your own expertise. and find out what keeps them going strong as well as the things that hold them back. and other information that might hold clues to the reasons for a person’s success. libraries and the Internet are valuable. find out what not to do. Always be prepared and don’t waste anyone’s time.Resourcefulness getting published. and look for readers that can tell you what they look for in this type of book. too. 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. interviews. don’t be surprised if some don’t return your calls. too. take a job as an intern like Diddy. If you’re a student.
” -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. No matter what sorts of challenges you face right now. think of key resource people you already know from your past and your present. Never forget to take advantage of your network of connections. 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.Lifemoney Lifemoney Currency “If I have seen farther than others. Using the people skills that you will learn in Lifemoney Lesson #8. While making your list. it is because I was standing on the shoulders of giants. intrigue these people to help you in whatever way possible. List three people that you will contact for assistance. 130 .
but stick around for the credits after his next movie. might be the director. Very few people succeed entirely on their own.” -Maxwell Maltz Resourcefulness Summary This lesson is about understanding how being resourceful can help you on the road to success. It’s important to utilize every opportunity. reach out as often. in this case. small and large. But there is. services and know-how you need to create Lifemoney. to get the information. and as far as necessary. that can put you closer to reaching your ultimate goals. Don’t limit your dreams by limiting your scope. always tomorrow after you have done your best to achieve success today. 131 . Try to count how many names are listed at the end of the film. Some days. every one of those people was a resource in creating his latest masterpiece. the most resourceful individual will taste defeat.Resourcefulness Lifemoney Currency “Remember you will not always win. Stephen Spielberg.
Lifemoney Lifemoney Currency “Learning is the beginning of wealth. and observations. _____ 5. _____ 4. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 10. find the people you need to know and introduce yourself. and then tally your score. ideas. _____ 6. I believe learning is the beginning of wealth. I say. Learning is the beginning of health. I will read new material that relates to the pursuit of my goals. I will enthusiastically seek information like a kid. Searching and learning is where the miracle process all begins. but who you know.” 132 . I will network with people I know to find expertise beyond my circle. Learning is the beginning of spirituality. school or online special interest group. _____ 8. _____ 3.” -Jim Rohn Millionaire’s Checklist: Check all the items below that you agree with. I will keep my eyes open for a mentor. _____ 2. _____ 1. I will take a class or seminar related to one or more of my goals. Lifemoney Currency “Some people say it’s not what you know. _____ 7. I am consciously seeking new sources for new answers I keep a notebook where I jot down thoughts. I plan to read an autobiography of a famous leader who inspires me.Brad Turk . I plan to visit a library. _____ 9.
He bought the property in 1977 when that part of New York City was in terrible shape. objectifying your goal. They are your real wealth. looking at things from a different perspective. your Lifemoney. Now I want to talk to you about the one Lifemoney skill that might be the most important to anyone wishing success in life: creativity.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. asking big and avoiding the herd mentality. These include visualization. I’ve distilled five major skills to having more of the kind of creativity that motivates you and serves you. Trump had no 133 . A Lesson From Trump One of Donald Trump’s first properties in New York City was the former Commodore Hotel. directly across the street from Grand Central Station.
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.
If you want to operate your own business instead of working for someone else. Avoid the herd mentality. See yourself inspecting the houses. Can’t you just see yourself taking phone orders and printing invoices on your computer? As you envision the thrill of success. this proven 138 . Visualization is when you mentally create an image of yourself accomplishing the desired objective. fax. so keep your thoughts positive and stay focused. imagine yourself doing it. step by step. it becomes more tangible. noticing colors of paint and the condition of the neighborhood. For example. if you want to get into real estate. This isn’t fantasy or play-acting.Lifemoney 5. Your body will do what your brain focuses on. Picture your home office with all the things you would use in a public office—computer. let’s look at each of these factors in depth to see how you can learn to apply them to your goals. Notice even small things like the shoes on your feet and the color of your clothes. it’s time to shift gears and visualize it. Don’t settle for vague pictures! Clearly see the kinds of properties you want to handle. You’ll work out the bugs of a process that will move you closer to your goal. copier. what does that mean for you? Do you want to sell houses? Do you want to manage rentals? Do you want to sell commercial property? Do you want to invest in real estate? Specifically describe your goal and envision yourself doing it. Now. What’s it worth to you? When you’re ready to give up on your dream. Creativity Factor #1: Maintain your Visualization They say a picture’s worth a thousand words. and telephone. or when it becomes increasingly difficult to see yourself in the winner’s circle.
Sometimes having that physical object can help make an abstract idea seem more real. Take responsibility to hold those images in your mind. I kept miniature models of these cars in my room as a way to make my goal “real” and be an incentive of what I was working for. I have had both of these cars. your accomplishments and your dreams? Some 139 . good or bad. Why? Because you will create whatever you’re visualizing. Seeing your goal in your mind and describing it with your hands are two different ways to imprint your dreams in your memory. and I still have the toy versions to help me remember to make my dreams real. but our brains respond better to the real thing. whether at home or at the office. Acquiring anything starts with imagining it constantly. To date. an action you take. All success starts in your mind. Do you keep a special object to remind you of your roots. Do what you can to make a real “object” out of your goal. Lifemoney Currency “Visualization is daydreaming with a purpose.” -Bo Bennett Creativity Factor #2: Objectify Your Goal I used to dream about driving a Mercedes SL500 or a CL500. Look at your workspace. Those that fail to reach their dreams are often letting their positive visualizations vanish. There is no substitute for keeping the proper image in your mind at all times.Creativity process will make your goal more meaningful mentally prepare you to undertake the challenges involved. That is a conscious choice.
A drawing of a sailboat on the sea may help you hold on to your goal of taking a cruise or buying a sailboat. Dieters sometimes buy clothing in the size they want to be rather than what they are now.Lifemoney people have desks covered with trophies and some have desks covered with bills. present or future. Chances are you have a framed photo. The key belonged to her late brother’s motorcycle. seemingly insignificant object that reminds you of something very important. and how important it is to enjoy every minute. the one he died on. or another small. 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. Queen Latifah wears a key on a chain. It also keeps her motivated and helps as a reminder of how precious life is. whether past. If you don’t. Who do you think is more positively driven? Around her neck. an award or commemorative gift. 140 . and she keeps it near her heart as a reminder of how much she misses him. start collecting those things and placing them around you. 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. Real objects have power. Whatever you choose. The object for your personal goal might be something that brings to mind your dream. This is especially important in creating objects that represent your personal goals.
When we went into the place I was very disappointed. he explained to me that this was a great deal. From his perspective it was good that the place 141 . “We’re out of here. crunched some numbers and while we were sitting down for coffee afterwards. that was it for me. Well. Although I loved the building and the area. I put it in my wallet and it deteriorated. What I saw as a negative. It looked like a hurricane had come through and no one bothered to clean up after. He asked more questions.Creativity Lifemoney Currency “I wrote myself a check for ten million dollars for acting services rendered and dated it Thanksgiving 1995. After bothering the agent. I looked at my friend as if to say. the actual apartment was terrible. I put that check in the casket with my father because it was our dream together. just before Thanksgiving 1995. manages some and sells the others. it seemed I got the truth out of him. I thought I knew something about real estate and I asked the agent how long the place had been on the market. my friend saw as a positive. I remember him helping me out once when I was looking for a small rental property. I found out I was going to make ten million dollars for Dumb & Dumber. And then.” But David wasn’t quite ready to leave. and he informed me they had been trying to sell it for over a year. He buys a lot of properties. His success is attributed to seeing what’s not there and being open minded about what can happen.” -Jim Carrey Creativity Factor #3: Look at things from a different perspective I have a friend David who is very successful in real estate.
Liz.000 and after spending $25.Lifemoney was a wreck and was on the market for so long. After David did the math with me. She envied my work schedule and the fact that I could arrange my days as I saw fit. 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. Although Liz was happy with the money she made and her success in what she did.000 on fix-up we would be able to sell the co-op for what the market value was at the time: $200. 142 . Keep your mind wide open and make yourself look for solutions and ideas that aren’t necessarily out in the open. does medical billing and is the office manager for a doctor’s office. You can do this in your own life. She wanted the ability to occasionally pick up her son from school and also did not want to be tied down to the typical 9-5 work week. She is good at her job and has been with the same company for over 10 years.000. How? We were able to get the price from $165. So try! It is a valuable lifemoney skill that can translate into big cash money.000 down to $150. Most people who walked in there did not see the value of the place and could not picture what the place could look like. Anybody can see what’s obvious but only a few can see potential.000 co-op for $175. David helped me to see the real value of that deal. The fact that it was on the market so long would enable this desperate seller to reevaluate the sales price. My girlfriend. she really wanted a more flexible schedule.000. Creativity Factor #4: Ask big There is huge power in learning to ask big. By shifting perspective.
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
Remember that one of the most important aspects of creativity isn’t seeing what’s there. I can visualize my success through a variety of mental pictures. I seek out new perspectives to old problems. and then figure your score. Lifemoney Currency “A problem is a chance for you to do your best thinking. and invest the energy in some creative thinking about going after the things you want. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1. _____ 3.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. Set aside some time to consider new approaches to your problems and the barriers that stand in the way of getting what you want. _____ 4. I believe that if I can dream it I can do it I will try using visualization to move towards my goals. I have objects around me that symbolize the success I seek. Don’t let yours go to waste. Make the time. Take the time to evaluate your situation and try a creative approach. but seeing what’s not there. Engage your creativity now by taking stock of your situation. _____ 5. 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. 147 . _____ 2.” -Duke Ellington Millionaire’s Checklist: Check all the items below that you agree with.
great possibilities are created. Lifemoney Currency “Just because something isn’t being done.” -Brad Turk 148 . _____ 10. hasn’t been done or looks like it can’t be done. I keep asking bigger questions to spur my creativity. I make detailed mental images of what I want. I avoid the herd mentality at all costs.Lifemoney _____ 6. doesn’t mean you can’t do it. I know when I ask boldly. _____ 8. I will use creativity to help me attain my goals. _____ 9. _____ 7.
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. Using people skills in a competent. getting others involved will be a major key to your success. Sharpen Your People Skills Almost all barriers to your success are barriers that can be easily overcome with the help of others. For almost any goal you may have. professional and powerful way will not only aid you in achieving your objectives. everyone benefits” -Daniel Goleman Overview I am going to introduce you to my very simple and powerful twelve-steps to becoming a more persuasive and accomplished people person. So learning to interface with other people is vital to realizing your goals. but it should make your life experience more rewarding as well. 149 .People Lifemoney Lesson # 8: 12 Steps for Power with People “Motivation aside.
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 saw from past managers that I have had. I knew first hand. I knew she was a hard worker. He had so many excuses that he was losing track of them. He once told me about his only uncle. that same uncle died again. 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). Using my Lifemoney Lesson # 8. and he needed a couple of days to 150 . On the other hand. from being a salesperson. that she would get the sales in. I quickly realized that to deal with people effectively you really need to understand what motivates them. was amazing at building relationships and closing deals but was also one of the laziest people I have ever met. Amazingly. I worked as a manager for a short period of time. or had an excuse for something going wrong. Their “House Rules” were specific to how they thought a salesperson should be. As an example. I found huge success as a sales manager by managing each of my sales representatives by what they needed in a manager. and that I could not work her harder than she would work herself. I was managing a staff of 8 sales people who all had extremely different personalities. that we are all different and had different needs. that one of the biggest problems in how they managed was that they had a uniform way of doing things.Lifemoney While I was at MCI. She was self motivated. out sick. I had a salesperson who was one of the most charismatic people you could meet. During that time. hard working and considered her sales position as her own small business that she was managing. I did for her what I wanted my sales manger to do for me – I stayed out of her way. He was always late. who he missed that had passed away about a year before.
Shared sorrow is half a sorrow. I micromanaged him. you need to know what their needs are. Lifemoney Currency “Shared joy is a double joy. Anyway. some I still have to this day. Be as specific as you can. Not only was this experience a financial success for me. and at least once every day gave him a swift kick in the ass. especially when it comes to dealing with people. I treated him how he needed to be treated. Are you a people person? Few of us respond to every situation in perfect form. 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 . but it allowed me to really connect to my reps and form lasting friendships.” -Swedish Proverb Goal Achievement Exercise S Take out your Workbook.People grieve. He later thanked me for helping him. So to get the most out of people and to win them over to your cause. Think of a past problem you had with a specific person. and told me that he needed that treatment to get him where he wanted to go.
Success doesn’t happen by accident. The primary way we communicate with others is through conversation. Step # 1: Be a Good Listener People want to be heard and understood. For relationships to be mutually valuable you must build a bridge that goes two-ways. Listen. Get into the habit. Conversation involves someone speaking and someone listening. there are lanes for incoming and offloading traffic.Lifemoney Use these questions as a guide when you have to deal with this person – and other people – in the future. 152 . How do you start building these bridges? Here are my 12 basic relationship-building strategies that can help you get started. of preparing yourself to deal with people rather than doing so on instinct or history. even dealing with people – especially dealing with people – requires proper planning.” -Oprah Winfrey Turk’s 12-Step Plan for Bridge Building You can think of this section as the 12-Step plan for building relationship bridges on your road to success. standing in the gap to close it for us. When it is your turn to listen. or rhythm. everything. do not speak. Lifemoney Currency “Every one of us gets through the tough times because somebody is there.
Ask questions. Let the other person speak – while you LISTEN. this guy not only offered me the job. Be enthusiastic about what they are talking about and who they are. 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. at the end of our meeting. Smile. It turned out to be a win/win for us both. Again. Keep in mind he found me so interesting and I barely said a word. I will tell you a funny story about a job interview I once had. At the beginning of the interview. If you really take an interest in what they are saying you might learn something. we did not get to discuss my history. Step # 2: Take an Interest in People When you listen. Try and put yourself in their shoes. When you talk to others. he took an interest in me. 153 . Because I took an interest in him. but he also remarked about how interesting a person I was and how I would be a perfect fit for the position. Don’t be like so many opportunistic listeners who use what others say as an opportunity to talk about themselves. people like people who like them. Although I knew my resume would be suitable for the position. advice or assistance. I asked the interviewer a few key questions about himself and what had made him successful in his career. If you want to win them over.People To demonstrate how much people want and need to express themselves and feel understood. Yet. it seemed as if we did not even speak about me. Watch for opportunities to offer empathy. Everyone’s favorite topic of discussion is themselves. listen with a reason. not just another segue to a story about yourself. their needs and their accomplishments. find out about them. let them talk about their skills.
In building up conflict instead of offering genuine kindness. 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. brag or whatever they wish. But you need to be genuinely nice. If this sounds fairly one-sided. the more two-way they’ll become. They’re getting enjoyment out of reliving an experience or sharing an insight. and someone you are talking to tells you about a game of racquetball they played. you only aggravate yourself. Don’t take that away by changing the subject to you. But the funny thing about building these bridges is they work both ways. 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. Let the person tell the story. Some people are just genuinely grumpy or mean – but these people are not the majority. Step # 3: Don’t Undermine – Understand It’s easy to criticize. you don’t have to interject your knowledge or skills. Have faith and patience that the longer these relationships last. Let the other person feel important and appreciated. The more you listen to others.Lifemoney Let’s say that you are a very good racquetball player. at first. 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. Most people react in a negative way due to circumstances. and telling your stories. it might be. 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. 154 . the more they’ll learn by example and start paying you back– by listening to YOU. Try it and see how it works. Even though you can relate to the story because of your expertise.
Crazy things happen when you reach out to people and pay some kindnesses forward. 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. He dropped his tools and ran to the bog.cfm?pageid=102. One day.org/i4a/pages/index. You’ll benefit in surprising ways including helping you better understand how to realize your own dreams. Maybe you weren’t feeling well. “You saved my son’s life. An elegantly dressed nobleman stepped out and introduced himself as the father of the boy Farmer Fleming had saved. On the way to work you get stuck in traffic due to road construction.” said the nobleman. 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.winstonchurchill. mired to his waist in black muck. Farmer Fleming saved the lad from what could have been a slow and terrifying death. he heard a cry for help coming from a nearby bog. screaming and struggling to free himself. His name was Fleming. while trying to make a living for his family. even though you typically arrive on time.People Think back to a bad day you had recently. Then the boss yells at you for being late. The next day. a fancy carriage pulled up to the Scotsman’s sparse surroundings. There. Maybe you got up on the wrong side of the bed.” 155 . and he was a poor Scottish farmer. “I want to repay you. was a terrified boy.
Let me provide him with the level of education my own son will enjoy. Step # 5: Remember People and They’ll Remember You Over my life I’ve had the hardest time remembering people’s names. graduated from St. the farmer’s own son came to the door of the family hovel. His son’s name? Sir Winston Churchill. and it’s a little bit insulting. but I think people can tell when you don’t remember their names. and went on to become known throughout the world as the noted Sir Alexander Fleming. I can’t accept payment for what I did. This not only looks bad. “I’ll make you a deal.” the farmer replied proudly. “Yes. “Is that your son?” The nobleman asked.Lifemoney “No. Years afterward. the same nobleman’s son who was saved from the bog was stricken with pneumonia. I can remember so many times when I had just been introduced to someone and two seconds later I had already forgotten their name. The name of the nobleman? Lord Randolph Churchill. 156 . At that moment. in time. What saved his life this time? Penicillin.” And that he did. Farmer Fleming’s son attended the very best schools and. If the lad is anything like his father. the discoverer of penicillin. I know it is because I never really made a true attempt to focus on remembering them. Mary’s Hospital Medical School in London. he’ll no doubt grow to be a man we both will be proud of.” the Scottish farmer replied waving off the offer.
Where do you work? Is that right? Sounds interesting. but I will stress what’s in it for them: a great rate of return. “Nice to meet you. you might think “sad Brad” or if they look happy. For instance. Brian. Let’s talk about that sometime. it’s easy. 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. These little tricks work amazingly well and are well worth the time it takes to practice them.” Another popular technique is to associate their name with something visually unusual. One idea is to repeat the person’s name out loud a few times during the introduction. “glad Brad. the value of the proposed deal. Step # 6: Get People to Sign Off on Helping You How can you make people want to assist you. they will be interested in helping you in exchange. But if they look like they’re very tired and sad. Again. not have to assist? If you can sell others something genuinely interesting or provide information to help them obtain something they are looking for. Brian.People I would suggest you develop a system that helps you put greater effort into this huge priority. If their name is “Brad” and they look like Brad Pitt. nice meeting you. Let’s say for example that I need help with financing a business deal that’s important to me.” You get the idea. the intangible benefits of having their name 157 . 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.
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. and how can I give it to them?” I am not saying you can’t get help any other way. All you will do is make the other person feel bad. whether a free meal. offer to help. The winner of an argument in real life is often the loser in the relationship. Remember that getting the support you want depends in part on providing others with what they need. but the level of intensity – time. Step # 7: Don’t Argue Don’t ever argue and think you’re going to win points. That only happens in courts in front of judges. For what? To win your point? Is it worth it? Will you really feel better? Do you think you can change the other person’s view? Think about a recent argument you had with a spouse. I’m always thinking “what do they want. Who won? What were the stakes? What were the consequences? Would the outcome have been different if you had not let the situation escalate? If hard feelings resulted. they would have behaved differently. energy and commitment – will be that much greater if you provide people with something they want. a coworker or a friend. inferior. Ever had friends volunteer to help you on a project but they delayed it because they were busy? Then. the fun we can have together as a team. when they did help. a case of beer or concert tickets. stupid and embarrassed. how 158 . …you get the idea. too.Lifemoney associated with the project. they were less than enthusiastic? I bet if they were going to get something out of the arrangement. If a friend is remodeling a kitchen.
Don’t speak out of anger. aggressive individuals that think they know it all. Always try to look inward to the core issue. Speak from a calm center.People long will they last? I have seen long term friendships totally dissolve over meaningless arguments. particularly defensive and mean ones. Think about someone in your past that pushed unwanted advice on you. even if it’s negative communication. Wait for your opinion to be asked before shoving it at someone. Disagreements on the other hand can be powerful sources of new information and a chance to grow. be it personal or professional. people argue because they are hurt. Show. Keep in mind that everyone is born equal and deserves to be treated that way. upset or just want to communicate with someone they care about. I make a big distinction between arguing and disagreeing. and make every attempt to stay calm for a rational disagreement/discussion rather than an argument or even all-out fight. be self-controlled. Let others mention your accomplishments before you do. 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. and even then be careful. Relax. Don’t act rashly or lash out. Don’t brag. Think your words through. Arguments. don’t tell. Don’t give advice unless it is requested. do nothing but harm. Often. 159 . no one is impressed. Disagreeing is good – IF it’s mutually understood that the goal is a positive outcome for everyone. Step # 8: Think Before You Speak In any discussion.
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. Just remain calm and don’t shoot your mouth 160 . And if you do find yourself whining and complaining just remember that it’s not getting you any closer to a solution. but he never called or wrote to say thanks. Or you might have helped a coworker with a difficult project. Take courtesy even further. It makes a deep and lasting impression that money can’t buy. but received no sense of appreciation. This may seem like a small thing. From time to time you may even take the blame for something that isn’t your fault. Look people in the eye and give them respect when you speak to them. Some of those mistakes will be at your expense. It’s not that your problems are unimportant. 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.Lifemoney Step # 9: Manners Matter Always say “thank you” when given a compliment or receiving assistance. but we all have problems. To get along in this world without becoming an irritating whiner. Always say please when asking for something. Step # 10: No Whining Allowed No one likes a whiner. You would be surprised how far all of this will take you in building relationships. Everyone makes mistakes and will disappoint you at some point. lower your expectations of others and increase them for yourself. Shake hands firmly and introduce yourself when around new people. even after working hours of unpaid overtime. Don’t cry or whine over any of this. but it’s extremely important. Courtesy and manners are Lifemoney lessons that make you really standout in a crowd. 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.
I know this is extreme and there are times when being late can’t be avoided. more opportunities will be sent your way. especially in business. being late is a sign of disrespect for someone else’s time. Step # 11: Your Word is Your Bond Do what you say you are going to do. As I mentioned. time is their most valuable asset. Even if it is just to arrive to a meeting at a certain time. You never know when you might have to go back the way you came and deal with that person again under better circumstances. If you can’t be trusted on one issue. Also. chances are your credibility will be shot for all that you do. Would you want someone to take your most valuable asset away from you? I learned this the hard way when I was first starting out in sales. I had an appointment with someone and I showed up 15 minutes late. Your word means everything. but this true story illustrates how sensitive some people are to lateness. The person that I was meeting came out and told me that he would not meet with me and would not do business with me because I was late. 161 .People off and burn bridges. to a successful person. When people know you are dependable. The winner is always the person who refuses to complain and instead focuses on finding solutions without finding fault.
They might be an older brother who sets a bad example with his drug use or gang activity. You probably already know who some of these “avoidable” people are. It’s not that you can never enjoy recreational time.” -John Wooden Step #12: Find Great People Finding great people begins by learning who you should avoid. politely let them that you will get in touch when you have time. To get rid of the people who will hold you back. or that costs you plenty when it does get a running start. while your reputation is merely what others think you are. because your character is what you really are. Maybe it’s a girlfriend who demands more and more of your time – and gives half as much in return. If it’s someone who is really just negative and brings you down. They may be hardheaded bosses who refuse to think out of the box. but you have to put first things first if you ever plan to reach your goals. Problem people often hide in plain sight. It could be a friend who is always cooking up a crazy idea that never gets out of the starting gate. put you down or turn you off. If you don’t like 162 . or who tell you to give up because you have more important things to do. like fishing or playing cards.Lifemoney Lifemoney Currency “Be more concerned with the value of your word than your reputation. don’t be afraid to cut ties totally. They can be so-called “pals” who don’t believe in you. My uncle once told me that life is like a bus: you get on the bus with thoughts of going somewhere but you always have the opportunity of getting off.
the motivational speaker who invites you to his seminar and makes time before or after to consult with you privately. If they’re nearby. 163 . it’s simply a move in a new direction. They might be a good friend who listens while you describe the goal you want to reach. or they may be a total stranger. It might be a business partner who provides scheduling flexibility or budgetary allowances that are in line with helping you meet your goals. if they’re far away. quite literally. It might be a mentor who leads by example or. Either way. make sure that you’re always riding the right bus for you. And the more you hunt for them the more they will be attracted to you. A motivator can be anyone who trusts you to follow your dreams. Just as you must get rid of the people who will drag you down. Be relentless in seeking out good people and you will do yourself and your dreams a HUGE favor. you must also make room in your life for the motivators. for every troublemaker you tell to hit the road – or get off your bus – make sure to pick up a motivator or two as a replacement. It’s not quitting if you’re the one doing the choosing. cling to them. They’re a little harder to find. as well as your plan for getting there. Either way you’ll know these motivators because you’ll feel an instant attraction to them. seek them out.People where the bus is going or you changed your mind in the direction you want to take – get off. In fact. Find a new bus or another means to get there.
Then magic happens. Lifemoney Currency “One skill you act on is better than 12 that you don’t.Lifemoney Lifemoney Currency “Get around the right people. Associate with positive. goal-oriented people who encourage and inspire you. What’s the best way to learn them? Choose any one of these and use it today.” -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. In fact. I try and use each one of these on a daily basis and have come to rely on my people skills to make many good things happen. keep using it until you don’t think about using it anymore because it’s so natural. This is the best way I know of to master this list.
_____ 9. _____ 8. Lifemoney Currency “Find people to make up for your lack of know-how and. I keep to my word. A huge part of receiving is giving. _____ 2.” -Brad Turk 165 . although I can politely disagree. I am taking an active interest in people _____ 3. and then tally your score. _____ 10. I make efforts to express appreciation and good manners to others. _____ 7. I understand the value of tolerance when dealing with difficult people. you WILL know-how. I always remember the “what’s in it for me” rule. _____ 6. I try to stay calm and avoid arguments. I don’t whine. _____ 5. giving yourself 10 points for each checkmark and 0 points for any left blank: _____ 1.People Millionaire’s Checklist: Check all the items below that you agree with. eventually. I have a good sense of which people to pursue and which to avoid. and I often make efforts to give without expectation of receiving anything _____ 4. I am learning to be a good listener.
What you believe you’re going to get in life is pretty much what you’re going to get. a well maintained attitude and a “no excuses” outlook.” -Willie Nelson Overview Someone once said.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. This talks about some of the things I’ve found useful in creating a positive mind. Where’s Your Head At? Which of these statements sounds most like something you’d say to yourself: I am going to reach my goals and fulfill my dreams! or I am going to try to reach my goals but it’s going to be hard because… 166 . That’s why it’s so important to guard your thinking and make sure you keep yourself thinking in a positive direction. you'll start having positive results.
or the fame of her dad but everyone in school wanted to be near her. When I finally had the chance to meet her personally. Her father had been an executive producer of some very well known films. you create road blocks that stop you from achieving your goals. I was amazed to see how miserable she was. I saw her complaining everyday about what I thought were very trivial things.Positively Thinking Do you believe you can reach your goals. The Multi-Millionaire Blues A good example of how attitude. It appeared that everything annoyed her and she was never happy. As a general statement positive thinking plays a powerful role in helping us achieve what we set out to do. If you focus on the negative. I figured she would have far fewer worries than other people! In getting to know her. This dropdead gorgeous young lady was the daughter of an established and widely recognized Hollywood producer. you’ll find ways around all the road blocks that inevitably occur to everyone as they work to achieve their dreams. believe that it can happen and know that you have what it takes to make it happen. From the outside looking in. He was both successful in his field and wealthy. and whichever direction you take in your mind will probably dictate your destiny. or do you think that it probably won’t happen for you? This question is like a fork in the road. her money. if you focus on the positive. happiness and success are created by your mind and not your circumstances is shown by an acquaintance I knew from college. 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. You just have to know that you’re heading in the right direction. 167 . it appeared she had everything that a person could want. On the contrary. I don’t know if it was her beauty.
Though you have no control over the actions of others. and say.Lifemoney I stayed away from her negativity and did not associate too much with her. You can take advantage of many opportunities to maximize your chances for success while downplaying the risk of failure. It’s not what you have but how you perceive things that really counts. “He’s the reason I can’t get ahead” or “If that hadn’t happened I would be rich by now” are just excuses for not taking responsibility for their own lives. 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. what you attract into your life and your ultimate success. Maybe you come from a family with many losers and too few winners. focus on what you can do. Maybe you will be the one family member who can show the others that success is possible? That would be a wonderful Lifemoney gift to give them. Some people seem to enjoy being miserable and refuse to take responsibility for their own happiness. It’s a sad and unfortunate example of how your view of things can make a big difference in how you feel. you do have complete control over what you choose to think. 168 . So don’t worry about what you can’t do. I heard a few years later that she had attempted suicide. You might feel as though you are destined to continue the long line of defeat. do. They complain about all the ways in which other people or circumstances are standing in their way. 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.
You have even more desire to do better than others may have. You have the resources others don’t have. If you grew up wealthy – good. I was able to become wealthy. 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. Change the channel and play the role starting now. so use it positively. Though it might be hard to picture yourself in a three-piece suit presiding over a six-figure bank account. turn them into positive statements like “He could never stop me from getting ahead” or “Even with that first set back. Lifemoney Currency “Just can’t live that negative way…make way for the positive day. You dream 169 .Positively Thinking Practice turning negatives into positives. If you feel yourself beginning to argue with me. If you catch yourself repeating the complaints above. It starts in your head with your mental remote and plays out in reality. How do you work this “mental” remote? If you act like you are already successful the achievements you want and deserve become a near certainty.” Your mind is yours. I want you to understand that you’re holding the remote in your hand to switch to that channel.” -Bob Marley Change the Mental Channel If you don’t think you’ll ever be a success. STOP! Forget the excuses! If you grew up poor – good. you better change your mental channel. In America. there is nothing stopping you from becoming all that you dream of becoming.
This is the way you turn negative experiences into a positive ones. Obviously. and explain how you will avoid one of those failures in the future. Arnold Schwarzenegger went into every competition thinking he was the winner. and owned the feeling of a champion. Do it and watch how your outlook brightens. This attitude and confidence spread and led everyone else to believe the same. He visualized it. you have a smart plan. It was the mental focus on all that he did that made him the best in his field. Get your mind on the right channel and the body will do its part to follow the plan. 170 . Failure can be a very positive experience if you dig through it to find a good lesson. that had to be coupled with hard work and long hours in the gym. Goal Achievement Exercise T Take out your Workbook. List five failures that caused setbacks in your life. and guess what? It’s yours. write down a lesson you learned from this failure. Also.Lifemoney it. The mind rules over every part of the body. He attributed a lot of his success in bodybuilding to his mental attitude and how he won judges over with how he presented himself. Failing does not make you a failure if you let it teach you lessons. you implement your plan. you work hard to get it. but he said that all the intense effort and workouts did not give him the extra edge that he needed. took it on as his personal goal.
Looking back have you been a complainer or a fixer? If you had it to do over. go after it with all the skills and abilities you have! It’s easy to blame others for our own lack of success. If you want a piece of the action. Can you look back and judge whether or not your mindset was positive or negative before you started your last 171 . Which have you been? Be honest with yourself.Fix It So you’re not exactly an Arnold Schwarzenegger in the gym. would you handle things differently? If so. but it does happen. 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. They have a mental certainty that what they’re doing will lead them right to where they want to be. But the truth is that to a large extent we make our own successes and failures based upon our positive or negative thinking.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”. a Donald Trump in real estate or a Jay-Z in the studio. It usually doesn’t happen overnight. -Thomas Edison Don’t Complain . Understand that a positive mindset happens first. Negative people complain about things and positive people fix things. Rather they give years of their lives charting a positive course and expecting greatness. Don’t use that as an excuse to sit back and complain about everyone else getting the breaks while the parade passes you by.
start looking for what you can get. and get frustrated. People are much more likely to admire and support you if you adopt this mindset in your everyday life. an inspiration. Begin positive. Is stress holding you back? Stress is often closely linked with a negative mental attitude. did a previous employer offer to pay the tuition for you to return to school. Instead of whining about what you don’t have. especially if it was a thought that stopped you. and a role model. Begin using positive thinking to search for new ways to impact your life. Make a mental note not to miss these kinds of opportunities again. How do you do that? You’ve heard me say that we cannot always control the events in our lives. that a former teacher encouraged because you secretly had no confidence in your ability. The solution is to stop complaining and fix your attitude. and never feel played out. 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. 172 . These are all signs of a distressed and negative mindset. but we can control our responses to them and the actions we take as a result. If you want people’s attention. get it in positive ways by becoming an encourager. Why? Negative thinkers typically think that they’re stuck and will be miserable forever. The same is true about anxiety. stay open and be ready to jump into action. Positive thinkers are always focusing on ways to positively impact their world.Lifemoney venture? Did you miss opportunities or not take advantage of something because you were thinking negatively right from the start? For example. like drawing.
developing new skills.” -Winston Churchill 173 .” -Anonymous Goal Achievement Exercise U Take out your Workbook. 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. These could include lost academic. employment. cultivating new relationships (or restoring old ones). Lifemoney Currency “Attitude is a little thing that makes a big difference. or relationship opportunities.Positively Thinking Lifemoney Currency “Though no one can go back and make a brand new start. anyone can start from now and make a brand new ending. When you’ve completed this list. That’s a great first step in positive thinking. Make a list of opportunities from the past that were missed due to negative thinking. overcoming a bad habit. Include options like going back to school. make a new list of potential opportunities for the future. Make the list with a new sense of optimism and hopefulness.
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. or at least their little piece of it. Lifemoney Currency “Adversity is another way to measure the greatness of individuals. 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. Thousands of famous people in the world have hit unbelievable roadblocks but stayed positive and changed the world. Successful people have a positive way of looking at things and an understanding of obstacles being a temporary and inconvenient part of life. Positive thinking sets them on a course for achievement. whose deafness did not stop him from composing classic musical compositions.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. Helen Keller. Some famous examples include Beethoven.” -Lou Holtz. broadcaster 174 . football coach. who minus sight and hearing became a model of inspiration to others. Jim Carey and Jim Cramer (of Mad Money)? All of these people lived out of their cars for a short period of their lives. I never had a crisis that didn’t make me stronger.
So what’s the worst thing that could happen? People laughing and throwing things? I doubt it. most people in your audience would rather die than speak. What’s the worst case scenario? The worst case scenario would be that you totally ruined the speech and bored everyone. 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. so you’re already way ahead of them. Don’t be intimidated by life situations like this. so what? Who cares? Besides. Then take on life without apology or embarrassment. who is going to think twice about your errors after they arrive home that night? It would never happen. You may submit a proposal and wait months before 175 .Positively Thinking Worst Case . Instead think in terms of best case/worst case. You can “worst case/best case” think your way through any troublesome or negative situation you encounter. 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. Think about something that you are afraid to do because you think you might fail. Most people don’t remember what even great speakers say! Besides.Best Case Try this experiment to create more positive thinking. And if they did laugh. many of our efforts don’t bring immediate results.
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. Everyone faces down times. For example you’re working through a relationship problem and just start kicking around words like these: • • • • Maybe I should break up with her. Stay positive by remembering that lesser. Without those first small steps there could be no end result worth noting. unrewarded accomplishments often lay the foundation for building to higher levels of achievement. 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. This relationship is going nowhere. Think of it this way: you’re going to have to spend the day in some way. Teach yourself to stay positive even if nothing great appears to be happening and keep it moving anyway if it is helping you reach your goals. those less than positive vibes we hear a hundred times of day and can’t help but absorb along the way. It’s time for a change. Unless you’re prepared to wait. Or you could spend time helping a widowed neighbor with her lawn work and never receive a word of gratitude. She’s probably like all the others. why not be positive. 176 . The way to get over them is to keep it moving until something positive does happen.Lifemoney getting a reply. lack of feedback can lead to negative thinking. 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.
Here are some examples of transforming negative self talk into positive self-talk statements: • • • Maybe I should give it another month or so. But that is the time to push the envelope to reach your dream. going back to college at 40. Create a Repeatable Success Thought When you set your sights on a distant goal. The idea is to simply stop thinking negatively and to find something good to say “yes” to. or climbing to the top of your profession may seem unachievable at first. I’m going to call her and plan something exciting.Positively Thinking Statements like these feed uncertainties in your mind and motivate negative actions. We ought to try a little longer in case this turns out to be something good. 177 . They rob you of positive energy and momentum. especially if others are telling you it won’t happen. trying to get into graduate school. Or maybe the girl has a habit that reminds you of someone you used to date. For example. it may seem unreachable at first. the faster your mind will change into a direction that goes forward. Really look carefully at these statements for a moment. The key is to quickly counter the negative talk the instant you recognize it. The faster you find positive directions to turn to when you’re in the midst of a negative talk meltdown. 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.
“I’ll stop spending.Lifemoney People who take a can-do attitude often repeat key phrases over and over in their minds. I will speak up at today’s meeting. I do not need second helpings. I call these “success thoughts. Don’t write long sentences or anything that is too short or vague. the sooner you will believe it. Nothing can block my success.” (Too short and vague) 178 . The more you say it. write down positively phrased replacement terms you can use as success thoughts.” 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. For instance: Negative thought: “I’ll never get my finances in order” Don’t write these thoughts: 1. and repeat it often. Be specific and limited. Goal Achievement Exercise V Take out your Workbook. Make your success thought as specific as possible. They are phrases such as: • • • • • I am not going to buy another pack of cigarettes. “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.” (Too long and detailed) 2. I will take my wife to Hawaii next year.
179 .” In no time you’ll be tuning in to your own thoughts for an easy-to-reach. “I won’t charge more than $50 weekly. but the important thing is to think positive. “I’ll use just one credit card. Lifemoney Currency “Anything is possible. but you have to think positive. such as. pre-recorded message that reminds you to stay on track. do you lie there indefinitely or do you get up and keep moving? You may have to try a different direction.” -Lance Armstrong Positively Thinking Summary Thinking in positive ways and using your mind for positive action lays the foundation for future success. You can be told that you have a 90-percent chance or a 50-percent chance or a 1-percent chance.” (Positive. update the success thought for a related goal. Instead. When you fall down. After a few weeks. it’s how you view them and what you do about them that matters. use an expression that is easy to say and remember: Write and repeat these success thoughts: 1. 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. Everyone makes mistakes.” (Positive. specific and helpful) 2. “I’ll pay my balance each month. detailed and valuable) Use your imagination to come up with more positive statements like these.
Lifemoney Don’t let past failures hold you back.” 180 . Keep focused on what you want. 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. Think about the things that are positive in your life. You can neither blame anyone exclusively for your losses nor congratulate them solely for your gains. remember that you are responsible for how your life turns out. Don’t let anything keep you from getting it. Although others may have held you back at one time or another or you may have to seek help to reach your goal.
_____ 5. with the waiter on his way over to fill it up. I will continue viewing myself as a winner. I repeat success thoughts to myself as often as possible. proactive thinking. _____ 3. I view the glass as half full. I am learning to manage personal and job-related stress by positive. _____ 6. but rather. I am watching for opportunities to say yes to. I keep moving ahead even though I’m not getting immediately rewarded. _____ 8.Positively Thinking Millionaire’s Checklist: Check all the items below that you agree with.” -Brad Turk 181 . Lifemoney Currency “Some view the glass as half empty. I will not let others’ pessimism interfere with my plans to reach my goals. some view the glass as half full. not a loser. _____ 9. _____ 7. I will act as if I’m in the role I want to play. to fix my situation. I can see how past accomplishments have prepared me for the future. I am making consistent efforts not to complain. _____ 10. I refuse to hold on to negativity and past misbehaviors. and then tally your score. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 1. _____ 2. _____ 4.
When you recognize that sacrifice is frequently a part of success. We want it all. 182 . it just doesn’t come naturally. Successful people know that dreams don’t come pre-packaged overnight. We want it now. I forget all of the things that have broke.Lifemoney Lifemoney Lesson # 10: Sacrifice “There are a lot of myths about my injuries.” -Evel Knievel Overview Few of us do well with sacrifice. If we could find a way we’d have it yesterday. I had surgery 14 times to pin and plate. Not true. They realize that to achieve their goals they often have to sacrifice something in the present for what they want in the future. They say I have broken every bone in my body. But I have broken 35 bones. I shattered my pelvis. it turns denying yourself into investing in yourself.
100. rigorous job to get where they want to go. 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.big time! Big or small. store or business.000 in domestic box office sales. Many immigrants come to this country with nothing but the shirt on their backs. would you? 183 . Was the sacrifice worth it? You’d need to ask him. They are simply unwilling to sacrifice anything to get where they want to go. Ask filmmaker Spike Lee. there are people who were born in this country who complain about the lack of jobs. I will tell you right off the bat that I wouldn’t be. It cost him $175. In 1986. saving every penny to open a restaurant. Spike Lee knows that sacrifice can pay off . Some work two and three shifts for years at a time.000. sacrifice is often a part of any success story. you have to make those kinds of sacrifices.000 in sales.Sacrifice Borrow. grateful for the opportunity to have all the work they can handle. Within a generation. but I can tell you that Spike would probably say yes. She’s Gotta Have It. Their children attend the best colleges and inherit these successful companies started by the hard-working immigrants. Yet. sleeping just a few hours a day.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. Since then Spike Lee has produced at least 22 other films that have made over $433. It’s a real risky strategy but sometimes when you believe in something strongly enough. off the ground he did just that. But if that was the only way. This much I can tell you. Why? Because they work hard. some become millionaires. to get his first film project. They lay everything they have on the line.
took a job as an insurance salesperson straight out of college. to reach out and grab your future? • Just how far are you willing to go? It’s vital to answer these questions and know these things about yourself. Lifemoney Currency “Judge your success by what you had to give up to get it.Lifemoney Only you can decide what you are willing to sacrifice to reach your goals. There were no shortcuts to success. 184 . 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. Pulitzer Prize winning political cartoonist. Yet he worked up to eight hours a day after his day job drawing editorial cartoons because that’s where his heart was. Ask yourself the following questions: • • • • What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes.” -Dali Lama Sacrificing for Success Mike Luckovich.
Ideals are not cheap. improving the lives of millions of people. your sacrifices could include six hours of your time each week for daily workouts. spent months in prison rather than surrender his belief in equal rights for all people. However. List the tradeoffs you are willing to make to reach one of your goals. 185 . You have to be willing to do whatever it takes to claim them. They are costly and precious. or is your goal just a casual want? Only you know. Goal Achievement Exercise W Take out your Workbook.. Jr. list three things you now do. and you will have to be ready to give it when the time comes. Are you “all in” as they say in Texas Hold ‘em? Are you fully committed and in “do or die” mode. He could have taken the easy route to avoid jail time. What do you have in your life now that is expendable. I am committed to helping you get where you want to go. Choose one of your goals and write it out. and I can’t make up your mind for you. if becoming more physically fit is one of your goals. For example. and giving up your weekly poker game to play tennis. Often the difference between attaining your goal and just dreaming about it are is the things you are willing to sacrifice.. and/or enjoy that you are willing to part with in exchange for your goal. Below the goal you just wrote. But he stuck with it.Sacrifice Martin Luther King. etc. or he might have gotten discouraged and given up. 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. have. So let me offer you four guidelines for learning to sacrifice just a little so you can gain a whole lot more in return. $100 per month for a gym membership.
When you get enough. But after years of careful thought and unwavering perseverance. Ten years later they both have good jobs – the first in her own company funded by her parents and the second in her own company that she scraped together every penny to start. But as we’ve seen that’s not always the case. you proudly go out and purchase the gift. they will mean the world to you because of what it cost to reach them. there would be no effort or cost attached—and they would mean very little. You can view your goals in the same way. Whether it costs $20 or $200. 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.Lifemoney Lifemoney Currency “Opportunity is missed by most people because it is dressed in overalls and looks like work. when you do reach your goals. They’re both chasing the same dream: business success. The second is raised in a poor family and is never given anything but a kick out the door when she turns sixteen. presenting it to your friend or loved one with a sense of tremendous accomplishment. If you could just reach out and get them today. Imagine a scenario of two young women.” -Thomas Edison Number 1: Count the cost I would love to tell you that success is free and painless. you eagerly add a few dollars here and there to save up the needed amount. Which one do you think 186 . Success has value because you have to work for it – you earn it. One is given everything by rich parents who buy her everything she needs and most things she wants.
In planning for your future. have a question.). • • • • • • • Set aside weekly reflection time to check my progress and adjust my plan. Develop a needed skill through a second job. Get feedback from those who already have accomplished similar goals. Find the non-essential time-eaters in my life and eliminate them. You’ve probably heard the saying. “anything worth having is worth working for. sweat and tears for something you’ll own it in a way that nobody else can appreciate. But no plan is complete without counting the cost of reaching your objectives.Sacrifice appreciates the success more? You know the answer. write a book. Invest a certain amount of income toward reaching my goal(s). Why does she appreciate it more? It’s common sense that when you pour out your own blood. 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. money. 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. That cost is part of the joy of success.” Do you feel that way about your road to success. etc. 187 . Seek help when I get stumped. Are you ready to figure out what it will cost in time. or run into problems. or taking a class. volunteering. Put less important things on hold. at least temporarily. Period. you have already begun to outline some of the goals you hope to reach and have created a plan to get there.
They fail to realize that keeping the shirt allows them to work outdoors in bad weather to provide many meals.” -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.Lifemoney Lifemoney Currency “One half of knowing what you want is knowing what you must give up before you get it. but those with mid-level or sporadic income typically focus more on the here and now than on a plan for tomorrow. 188 . you will have enough for today and tomorrow. Those who struggle with poverty are often willing to trade the shirt on their backs for a one-time meal. Delaying gratification is one way to begin building stores of resources for the unseen challenges that will come. If you spend all you have. What percentage of your daily schedule do you devote to working toward goals? Are you so preoccupied with getting by today that you haven’t given much thought to the days that will follow? You really must plan on setting aside between three and six months’ of income in case of a job loss or disability. too. The wealthy will have enough from current savings and investment plans. there will be nothing left. But if you save and invest it. but less than twenty percent of the population do so. It’s a simple fact of life. Underachievers live for the day and overachievers live for the future.
For example most of us don’t get paid for our work at the end of each day. etc. go shopping.Sacrifice Delaying gratification is something you get used to. almost any achievement in the world will become immediately more achievable. If you are consistent in doing the task before you get your reward your tolerance for delayed gratification will grow. Let’s build your ability to delay gratification. List two or three fun things you want to do today. Instead. List one or two tasks you will have to complete before you get your reward. Then underneath each item you expect to give yourself today. many areas of our lives undergo postponement. Do this exercise well and discover how much more you get done and how much better you feel. play tennis. Goal Achievement Exercise X Take out your Workbook. When you have successfully conquered the need for instant gratification. watch your favorite television program. every other week. We are all tempted to skip the difficult stuff of our lives and go straight to the fun. It might be go for a walk. eat some ice cream. list something you will get done before you have your fun. 189 . we collect paychecks every week. or at the end of the month. Often we don’t find out about a medical test result for several weeks. which in the end brings it own kind of reward. All of these things take patience. This might challenge you and be a little difficult. When you think about it. Make sure that those things on your list are things you really want to do. In other words we’re doing it anyway.
Most of us lead busy lives. doing 190 . We barely have enough time to get through a typical day with the demands of work. Finding time to work on long-range goals may seem impractical. say $25 per month.Lifemoney Lifemoney Currency “I’ve always believed that if you put in the work. family. You may be reluctant to open a bank account. The same is true for working toward your future goals. Many goals that seem hard at first become easier once you get momentum established. then I can expect halfhearted results. pulling the trigger and going for it. so you will never miss the amount of each savings account deposit. and it may seem difficult at first to find enough extra income to make regular deposits. So do it. you can arrange for a direct deposit straight from your paycheck. especially if you begin with a reasonable amount.” -Michael Jordan Number 3: Pull the trigger NOW! What I’m talking about here is taking the leap. But actually. But you won’t know that until you pull the trigger and get moving. Start small. making community contacts. Just do it. Because I know if I do. Devote fifteen to thirty minutes several days a week to your goals. setting aside time for future rewards is like making deposits in a savings account. and social activities. this could involve reading. Depending on what you hope to achieve someday. I don’t do things half-heartedly. the results will come. But with a little effort.
so pull the trigger now and get your show rolling. Pull the trigger already. if you want to get involved in local government. you will be rewarded. this means you’ll have to give up something in exchange for this valuable daily time. that if you can’t tell which half. from the inside out. you may need to first attend some political rallies. Whatever it is you must give up.Sacrifice volunteer service. or volunteer as an aide to learn the ropes. Whatever your goal. visit with your representative. fully aware that not all of it will produce rewards. 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. then you have to keep on doing the whole lot.’ but he didn’t know which half. His point was. Everyone has to pay their dues as they work. The following is a great thought on the payoff of sacrifice quoted from the book The Rules of Life by Richard Templar. None of those tasks took a long time – but each one was a step toward realizing a goal. It isn’t reasonable to expect that you will suddenly become the next mayor of your town just by wishing for it to happen. Naturally. or a thousand other things that will move you closer to your goals – remember that grid from Achievement Exercise M. do it. Sometimes it seems unfair. keep in mind that you may have to work through several levels of effort to reach them. You put in 191 . But if you keep pulling the action and sacrifice trigger. This is the perfect summary of the frustration we all face when we finally act and begin the process of making sacrifices to reach goals: “Someone once said that ‘half of the money spent on advertising was wasted. For example. Life is a bit like that. of course. Remember that one of the keys to success is to learn everything about the role you want to play. And keep pulling the trigger at each “next” level of achievement you’re taking.
engraved there to inspire the youth of that school. and others cruise it.Lifemoney loads of effort and get nothing back. You’re polite to people and everyone seems rude back. It reads: 192 . The only certainty you can expect is that if you give a continued effort something will pay off that will make it all worthwhile. 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. Well. Your efforts will be rewarded eventually. but then life isn’t.and which aren’t. You work up a sweat. but you’ll probably never know which efforts are being rewarded -. and anyone with a dream must learn to live there. I know it isn’t fair. The lesson is that you must continually give 100% effort in the direction of your dreams.or for what -. Why? Because success has many moving parts and you can never be totally sure what will work and what won’t work.” -Alex Haley Number 4: Be Prepared In an inner city high school auditorium is a quote from a well-known figure. This is the shadowland of hope. you have to keep doing the 100% because you don’t know which bits will pay off.” This quote summarizes a great lesson I’ve learned throughout my successes. It’s a simple lesson that has never failed to produce great results for me.
asks the scared and unsure Ness “What are you prepared to do?” It was a question of challenge in the face of great fear and intimidation. then he dies. having been mortally shot. but they rarely do. Connery for the last time looks into Elliot Ness’s eyes and asks “What are you prepared to do?”. What are you prepared to do? 193 . One of my favorite movies is The Untouchables. 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. and then force ourselves to work hard for them. no matter what the cost? That question hangs in the air several times during the movie as all the men do a gut check as to their willingness to take down the feared Capone. Are you prepared to follow this through. The good news is that if you’re in love with your dreams and want them so badly you can taste them. Preparing yourself is simply about getting yourself mentally prepared to do whatever is required to go after your dreams.” The emphasis is on the preparation. Nobody wants to hear about effort and work and sweat.Sacrifice “I will study and get ready. But show me someone who has achieved their dream without it. It’s not nearly as bad as you might think. In addition. and someday my chance may come. In the movie. Those people just don’t exist. It’s the story of how FBI agent Elliot Ness took down the infamous gangster Al Capone in the mid-thirties. Sacrifice is sort of the dirty word of success. an Irish cop played by Sean Connery. we have to figure out which ones we want most. the whole process of success becomes easier. one of Ness’s fellow agents. Instead. Maybe they should. At the climax of the movie. if you build your Lifemoney. the work doesn’t seem like work. Good things don’t just happen to us.
to reach out and grab your future? Don’t spend the rest of your life wondering what might have been. the payoff will eventually be seen. focus on “what am I going to get in return?” Investments of time or money are long-term deals. But if you keep putting in the effort. No one likes to sit around wondering what he or she has to give up as an investment in a dream.Lifemoney Sacrifice Summary Sacrifice isn’t the fun part of success. What’s it worth for you to become truly successful? Will you work more hours at one or more jobs? Will you give up some free time to plan your future? Are you ready and able to do what it takes. In the end. Be prepared to give up more of what you have to get more of what you want. sacrifice pays off. Only you can decide what you are willing to give up in reaching your goals. But don’t dwell on the negative aspects of “what do I have to give up?” Instead.” -Wayne Gretzky 194 . Most do not pay off immediately. Lifemoney Currency “One hundred percent of the shots you don’t take don’t go in. at almost any cost. Keep your eye on the prize and focus on what you’re going to get in return. and some require harder work than others.
_____ 9. I am learning to delay my gratification for both the present and the future. I believe that planning for the future is as important as getting by today. I am pulling the trigger on my talent today. I have identified several things in my life that I must sacrifice for success. I will put forth 100% effort at all times. _____ 1. Some of my goals will require that I hang tough. I am willing to set aside less important activities to focus on my goal. I am prepared for life. I am willing to pay the cost that is required for me to meet my goals. _____ 5. _____ 2. I have calculated my goals’ financial costs and scheduling adjustments. ____ 10. _____ 3. Lifemoney Currency “Don’t sacrifice what you want most for what you want now” -Brad Turk 195 . _____ 4. _____ 6. giving yourself 10 points for each checkmark and 0 points for any left blank. and then tally your score.Sacrifice Millionaire’s Checklist: Check all the items below that you agree with. _____ 7. _____ 8.
tension or frustration. J Overview Having patience is a key ingredient to successful living. Yet our lessons come from the journey. 196 . without experiencing anxiety. It is the ability to let go of the need for immediate gratification.” -Don Williams. By patience. Develop patience and the ability to enjoy your journey and your life will become better than you would have ever imagined. It is the ability to settle down and relax and maintain a stress-free focus on where you’re going. Doing Time Do any of these sound like you? 1) I get frustrated when I can’t get instant results. not the destination. I mean the ability to sit back and relax while waiting for an outcome.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.
Enjoy the journey 2) I will never get to all the things I have to do. jobs and friendships. without which you are going to suffer. If you recognize yourself in any of these then you need to pay close attention to what I’m about to say. I have to be honest with you: I happen to be a very impatient person. It’s as if patience is a simple building block of satisfaction. 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. This can further result in losing important things like business relationships. unhappiness and sometimes even anger. Gradual change and growth give you the greatest chances for success. you run the risk of anxiety. which can be very destructive. 4) I hate having to do or say something more than once. 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. 5) If something doesn’t work immediately. from impatience. But I am careful to differentiate urgency. which is a powerful force that gets things done. I’m going to move on to something else. There are many negative consequences on health. 3) I can’t stop for even a second until I reach my goal. When you force efforts. you need to be patient and wait for your results. the results just won’t last long.this task has two many steps. This is one of my personal flaws that I am working on. 6) I just don’t know where to start . When you stress yourself to create results too quickly. How do I differentiate the two? A sense of urgency is a good and powerful 197 .
For example when I take on tasks that are really time consuming (this book for example). I’d brought on an investor to put up the money for the deal. Mexico. Mañana I learned the true meaning of controlling what you can control when I was working on a deal in Mexico City. 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. If I can’t change or alter a situation. But when urgency is applied to things I can’t change. 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. This is a struggle for me as it might be for you. If I’m not careful this can create impatience in me. I can’t control those timeframes. There is no way a sense of urgency can create the satisfaction of writing a best seller (let’s hope this will be) instantly because of the timeframes involved in the task. It’s a quality that helps me act quickly and get an enormous amount done. Let me describe this in another way: I like to complete things quickly and I don’t like waiting for my rewards. and don’t let the things I can’t control stress me out.Lifemoney tool. I have an unrealistic expectation of speed. And this is probably true for you too. urgency turns damaging and can lead to senseless and sometimes destructive impatience. I told 198 . I need to clear it from my mind. I’d been working on this deal for a while and doing all of my communications with Mexico via the telephone. Based on where I was in the process and the faith that I had in my contacts in Mexico. It’s the impatience that comes along after this frustrated sense of urgency which can be destructive to me.
I immediately extended my trip from 2 days to a full week.6 million already invested in the equipment needed for this project.000 that was needed to get this project going. I flew down to Mexico for my big meeting and to sign paperwork. and then I left the meeting. I spent the next day gathering information on contact names for all of the competitors of the company that I 199 . There was so much I had no control over. I wanted this deal done. What was I going to do now? Go home with no deal and give up? How could I tell my investor what happened? Was I going to start from scratch after all this work in putting together this deal? What I did was relax. When reviewing the numbers in this new version of the proposal it was obvious to me that we would lose money if we signed that deal. a partner who trusted me enough to put up that $1. Based on the trust that I had built with the investor on past dealings.600. I picked up my things and told the company I was meeting with that I would look over their new terms.6 million dollars. It took all the Lifemoney lessons I talk about in this book to get me through this situation. So there I stood in Mexico. and patience was number one. I hired a translator to come to meetings with me in case the parties I would call on did not speak English fluently. regroup and come up with a game plan.Enjoy the journey the investor where I was in the deal (just going to finalize and sign paperwork) and had given him the price points that were worked out. me not speaking a word of Spanish (or only enough to order dinner and maybe get directed to a bathroom) and no deal on the table. When I sat down in my meeting and went over the paperwork that they had prepared. $1. I noticed that they had changed all of the terms of the deal. Outraged by what transpired. he decided to partner with me and put up the $1.
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. So what should you do to be more patient? Make an effort to keep track of the following things: • • • • Break large goals into pieces and focus on one piece at a time. I wound up getting an even better deal than I would have initially. 200 . reevaluate your objectives and make your goals more realistic for your needs. Do something fun and celebrate your incremental success. I met with 8 competitors of the company that I had my initial meeting with and I signed 2 contracts before I left Mexico. Look at the things you have accomplished to date. Get preoccupied with another task until you have results from the first. If your goals don’t seem to be on track. • Stay busy. • Reward yourself for completing something difficult. Focus on the results and not the task.Lifemoney had met with. If I did not have the patience to stick this out. Why? Because I was patient and focused on controlling what I could control. 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. • Remind yourself that you are human and that all great minds have been through what you are going through to achieve what you desire.
Chances are you will look 201 . Don’t take time for granted and let your life pass you by. 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. The 5 Year Test Another very effective technique I use is the 5 Year Test. I’ll realize today is beautiful and I should appreciate my health. In 5 years looking back at the issue. 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. For example. before you know it. When I am having a bad day. If you do. Here’s a very personal technique I rely on to help me enjoy the daily journey. Who said life has to be hard? It is only tough if you make it tough. We need to count our blessings and enjoy what we do have and make the most of every day. I open the window or take a walk outside and enjoy it. you will wake up and have missed out on what life really has to offer.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. Remember when you were a kid and you wished you were older? How many of you wish you were younger again? We always wish for what we don’t have and don’t appreciate what is right in front of us. You need to live today like it was your last day and plan for tomorrow as if you were living forever. 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. I find something to make me realize that it’s not as bad as I think it is.
Everyday is filled with something good or exciting that can be easily overlooked when we are preoccupied. Don’t get so involved in the little negatives that you don’t appreciate life’s big positives. Seek Happiness in Simplicity Never let life’s disappointments keep you from having a good time. In 5 years it may turn out to be the biggest break of your whole life! Goal Achievement Exercise Y Take out your Workbook. a joke. Don’t let one day pass you by without appreciating something that you may never have or see again. Getting fired from a job? That may be a blessing in disguise. 202 . Time moves faster than we all want to believe. spending time with friends or family. A death in the family is terrible and needs grieving.Lifemoney back and think “I can’t believe I spent time worrying about that” or “I can’t believe that even bothered me. that when you look back on. it probably has no bearing on your life now at all. List 2 problems that you have had in the past. they seem unimportant. You will remember that in 5 years. so we need to make the most out of our time. Now. Decide if these problems are really that important to your life that you should be wasting precious time and energy worrying about them. A good meal. or listening to good music should be enough to keep us going and to get us over daily disappointments.” Do you remember your first break up? No matter how sad you were at the time. list 2 problems that you are presently facing and put them through the 5 year test.
author Mitch Albom visited a former professor. unable to move a leg or a foot . talking with people. a walk in the midst of nature. at the end of the day what is truly important may be the simple.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. In a chapter entitled We Talk About The Perfect Day. "That’s it. 203 . Don’t overlook the obvious in your quest for the brilliant." he is asked.Enjoy the journey In the best-selling book.175) This illustration drives home the point that while we spend a good part of our lives in pursuit of lofty goals. Albom asked Morrie a question: "What if you had one day perfectly healthy .. Tuesdays With Morrie. dancing. After all these months. lying there. Morrie. "It was so simple. friends over for lunch. I was actually a little disappointed. "That’s it. And going home and having a wonderful sleep.What would you do?" Morrie talked of ordinary things like a breakfast of sweet rolls and tea. a swim. unnoticed things we do all the time. I figured he’d fly to Italy or have lunch with the President or romp on the seashore or try every exotic thing he could think of. each Tuesday after the older man was diagnosed with Lou Gehrig’s disease." Morrie replies. So average..
the person who is unemployed and is worried they might be evicted if they don’t get a job soon. Think about the person who is working outside in the heat. the people who fail find excuses for why they can’t.Lifemoney Lifemoney Currency “There is no one thing that is more important than everything else. 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 won’t feel like work. 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. It is easier to “enjoy the journey” if you pick things in life that excite you and keep you stimulated. better yet. The people who succeed find reasons why they can do something.” -Brad Turk Appreciate what you have and don’t complain and make excuses. GOAL (Go Out And Live) If you do what you enjoy doing and have a passion for it. Some people complain about going to work when they work in beautiful air conditioned offices. it is best to have a fire in your gut for what you’re doing! I don’t necessarily agree with a lot of successful people who say that if you don’t have a passion for something you can’t be successful. In the process appreciate what you have and enjoy it. But I do agree that passion helps. I think people are 204 . In other words.
If you can’t stand doing what you’re doing. writing one manuscript after another and firing them off to the publishers in hopes of being accepted. then look hard to find something you’re passionate about and consider a career change now.Enjoy the journey a lot more motivated to satisfy a deep passion than they are to merely satisfy the requirements of a “job. In fact. Use Lifemoney Lessons to set a course for what you really want while you do your very best where you are. There is a story about a young man who wanted to become a famous writer.and create some financial success that can free you. My suggestion is that if you have a good job for which you don’t feel a lot of passion. Then one day he 205 . 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. You can do that. be stimulated and enjoy life…. But whatever you do. Try to create an external world outside of your business that enables you to have fun. see your job as your vehicle to get you someplace else. But what if your job is the last thing you feel passion for? What if you are one of those people who has to put up with an aggravating boss. He hardly noticed the leaves turning colors outside his small window. 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. he locked himself into his attic office and plugged away.” At least that’s the way I am. Sometimes the ends do justify the means. Day after day. 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.
in checking the mail. the object is to make your life enjoyable. Make sure you’re enjoying the journey as you go or you will have to face some very serious regrets. That’s why you’re reading a book called Lifemoney and not MegaMillions-Billions-Never-Enough-money.. Renew your energy. they were all empty of his family and furniture. Again. But it had cost him far more than he had ever imagined. List 5 things that you are going to do to ensure that you are enjoying your journey through life.Lifemoney waited for his small daughter to bring up the mail. If you are stiff and focused on a goal and have such blinders on 206 . 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. the man. As he got angry when she did not bring the mail at exactly 2 p. Better luck with your novel. Goal Achievement Exercise Z Take out your Workbook. found a publisher’s letter saying that his book would be published. Walking through one room after another. On the kitchen counter was a note: “We couldn’t take the sadness of missing you at dinner and the kids’ softball games. and have moved out. Don’t stop yourself from relaxing and recouping. The moral of this story is that success by any means doesn’t always “mean” success.” Ironically. hoping as usual for a long-awaited letter of acceptance from a publisher he mailed out to.m. Sometimes you need to walk away from things and get a new perspective and sometimes you just need a break. now middle-aged. the man went downstairs and was amazed by the quiet that filled his whole house.
This much I know: success without enjoying your journey through your days is pretty worthless.Enjoy the journey that you are letting life pass you by. play hard. and how to really enjoy the ride. If you’ve figured out what you’ll miss the most when you leave. I want my rewards as I go along. I don’t want to miss out on life to get my reward someday in the future. and sometimes the answers you generate for yourself are wrong. Patience and Enjoying the Journey Summary Life is funny. You need to have a balance. the small everyday things are the things you’re going to miss the most. you are missing out. It goes by both very fast and very slow. you’ve gone a long way to deciding where to spend your free time. Take the time to smell the roses. because when you’re finally done and outta here. 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.” -Anonymous 207 . Lifemoney Currency “Enjoy life. There’s plenty of time to be dead.
_____ 2. Lifemoney Currency “Live today like it was your last day. I will not wait until it is too late to enjoy my life. giving yourself 10 points for each checkmark and 0 points for any left blank. _____ 6. I will not take for granted what I already have. I will find something positive out of everyday. _____ 4.Lifemoney Millionaire’s Checklist: Check all the items below that you agree with. and then tally your score. _____ 3. I will break goals into pieces and patiently work on one piece at a time. 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. _____ 7. _____ 10. I will practice the 5 Year Test I will not stress over things I can’t control.” -Brad Turk 208 . and plan for tomorrow as if you were living forever. _____ 8. I will take time to stop and smell the roses. I believe my day to day efforts will have an effect in the long run. _____ 5. _____ 1. _____ 9.
101 Affirmations 209 .
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