When You Visualize Success, You Can Achieve Success

Photo by Fortune Live Media

Photo by Fortune Live Media

[Excerpts from this post are taken from Larry’s book, Beyond Peace In Christian Finances: Accelerating Past Average With Your Money Plan]

Sara Blakley and Spanx

Sara Blakely may not be a familiar name in the average American home. Some of the products she has created for women, though, would be recognized through her company called Spanx. As a young woman, Sara pursued several different business opportunities that were not working out for her. Before starting her own company, she was selling fax machines door to door. Sara recalls that this time in her career was a great learning experience for her. She learned how to handle rejection through hearing lots of “no’s.” She also learned how to get to a “yes” as well. The art of the sale was a valuable lesson she learned as she finally launched her own company. She also learned another valuable lesson—visualizing becoming successful.

Photo by Mike Mozart

Photo by Mike Mozart

Blakey says she could see her business succeeding from the beginning. She visualized herself being the successful owner of Spanx. Blakely says, “I believe you can take mental snapshots of your future and what success looks like to you. If you mentally see yourself in a scenario, you’ll start to make decisions in your life that get you there.”

Sara Blakely thinks differently than most people. As a result, Forbes Magazine has recognized her as the youngest self-made female billionaire in the world.

Wealthy People Think Differently

Wealthy people think differently at many different levels. I’m not talking about the NBA basketball player who has the $10 million crib with ten expensive cars parked out front, either. One could make the argument that many professional sports athletes handle their money like poor people who have won the lottery. But, I digress.

Photo by Emma Lopez

Photo by Emma Lopez

When I mention wealthy people, I’m talking about people who have learned to generate income through the purchase of assets and not liabilities. This is the classic Robert Kiyosaki definition that he outlines in his book Rich Dad, Poor Dad. The world has too many people running around today who appear wealthy. If one dug down into their finances, though, they would find they are actually quite poor. They have too many liabilities and not enough assets that generate income for their families.

Wealthy People Ask Questions

Rich thinking doesn’t mean driving a hoopty and living in a double-wide trailer while being the rental house king in our respective city with thousands of dollars in savings and investments. But before signing up for a book of payments on a $40,000 SUV or buying a $750,000 mortgage for the most expensive house in a great neighborhood, many questions should be asked. Wealthy people ask themselves money questions, such as:

  • Am I buying assets or liabilities?
  • Is this the best use of my money right now?
  • Is there a better place or better opportunity to leverage my money?
  • Do I need this particular item right now?
  • Is this a true need or a want?
  • What is the wisest thing I could do with this money, today?

For the Christian who is attempting to live according to these principles, this adds another layer of spiritual thinking. Additional questions could include:

  • Would God be pleased with this purchase? Why or why not?
  • Will this purchase impact my level of giving in the future?
  • Have I prayed about this purchase, or am I engaged in a worldly mindset?
  • Is this the absolute best use of God’s money?
  • If I make this purchase, would God be able to say to me, “Well done thou good and faithful servant”? Why or why not?

There are several key differences between the rich and poor concerning financial thinking. Wealthy people process money information, ask themselves a lot of questions, and seek the wise counsel of others they trust. Poor people follow the poor money habits of the majority of people around them. The poor make emotional purchases based on popular opinion and feelings instead of an overriding financial plan.

The information shared in this post can be found in Larry’s book in the Amazon Kindle store: Beyond Peace In Christian Finances: Accelerating Past Average With Your Money Plan

According to Dilbert Cartoonist Scott Adams, Morning Habits Are A Key To Financial Abundance

Photo by David Kelly

Photo by David Kelly

[The information shared in this post can be found in Larry’s book in the Amazon Kindle store: Beyond Peace In Christian Finances: Accelerating Past Average With Your Money Plan.]

Dilbert Cartoonist Scott Adams Has Morning Habits

Scott Adams is the creative cartoonist who came up with the “Dilbert” comic strip. He has done many interviews with online magazines and podcasts about his own unique morning routines.

Several years ago, Mr. Adams created a morning routine in which he could manifest his best, most creative work in the early morning hours. Now, he is the first to admit that he isn’t always creative during this time. He structures his morning schedule in such a way, though, to allow himself to get into a creative state if possible. Adams says, “Creativity is not something you can summon on command. The best you can do is set an attractive trap and wait. My mornings are the trap. I wait for the ideas to arrive at their leisure, like a hunter in a duck blind. And in order for the trap to work, I exercise tight control over my physical environment.”

Scott wakes up early each day, anywhere between 3:30 and 5:00 a.m. His first twenty minutes of the day are always the same. He makes it to his home office desk within ten minutes of waking up. He then sits down, eats a protein bar, and drinks a cup of coffee to be energized for the morning.

After eating, he then “primes the creative pump” with positive news. His favorite news source is Business Insider. He claims they have a good mix of business and technology, which is the perfect fit for the “Dilbert” comic strip.

He says that four hours of creative time each morning flies by. He hardly notices the clock, and by 10:00 a.m. he states that he has written “two ‘Dilbert’ comics, a blog post, a few experimental comics posted on Twitter, four clever tweets, a ‘Dilbert’ movie scene, and an email about a new idea for my startup team at CalendarTree.com.

By late morning, Adams finds he has spent his creative energies. As he approaches lunchtime, he prepares to go workout at the gym. He will repeat the same routine the next day.

Photo by Dennis Amith

Photo by Dennis Amith

Do The “Big Rocks” First!

In Stephen Covey’s classic book The 7 Habits of Highly Effective People, Covey gives us the well-known illustration of the glass jar. In this example, you take a large clear container and attempt to fit water, sand, pebbles, rocks, and then several large rocks. In this visual illustration, Covey demonstrates that in order for everything to fit in the jar, it must be put in the jar in descending order: large rocks first, followed by smaller rocks, then pebbles, sand, and water. This illustration is a visual representation of our daily schedules. In order to accomplish the “big rocks” in life (in Covey terminology, the important but not urgent), important items must be scheduled first before all the smaller stuff crowds them out.

In the life of Scott Adams, we see the “big rocks” principle at work. Adams knows exactly what he needs to do in his creative work life to be successful and generate the income he needs to accomplish his goals. He has engineered his entire morning routine to complete all those important tasks before anything else gets done in his day.

Life Circumstances Created My Own Morning Habits

A few years ago, I went through a process of establishing a regular morning routine. My routine came about as a result of going through one of the absolute worst experiences in my entire life.

Professional counselors have ranked divorce as the second most stressful life event. According to the Holmes-Rahe Stress Inventory it carries a stress level of 73 out of 100. I can testify from personal experience that this statistic is true.

During this challenging time in my life, I dove deep into an early morning routine just to keep my sanity! I would usually wake up around 5:00 am and spend some time reading through my Bible. Then, I would spend time on my knees in prayer, asking God to bring healing to an impossible situation. After that, I would spend time writing a couple of pages in a journal about my problems and personal journey. I would wrap up my morning routine with writing blog posts on my first Christian personal finance blog.

My own experience with establishing a solid morning routine for the last seven years has been nothing but positive. I am more productive and focused in every area of my life, including the spiritual, emotional, physical, relational, and financial. By setting aside time in the early morning hours, I am also working on my major life goals with intentionality and consistency.

I believe practicing these morning habits on a consistent, daily basis over time will produce amazing results in all areas of life. I can testify that these routines are just as critical to financial success as a well-diversified retirement portfolio.

Having a solid, purposeful morning routine will propel a person on a path to successful living that translates to every area of life.

[The information shared in this post can be found Larry’s book in the Amazon Kindle store: Beyond Peace In Christian Finances: Accelerating Past Average With Your Money Plan.]

Not Sure Where To Begin? Here’s The Starting Point For Christian Financial Stewardship

Photo by Kelvin Dickinson

Photo by Kelvin Dickinson

Making Plans

People have plans for lots of stuff in this life.

A woman who is about to be married spends hours flipping through wedding magazines, scanning websites, calling florists, and talking to caterers. She has a plan to create the most beautiful wedding known to mankind!

A professional executive in the workplace has a strategic plan and a daily task list. He has a plan to climb the corporate ladder and become a successful CEO one day.

Families often spend weeks planning out their ultimate summer vacation. Since they’re about to spend a lot of money, they want to get the biggest bang for their buck and have a great time.

But, these same people put together a financial plan? Are you kidding me? Nah, they would rather just shoot from the hip and roll the dice. They have thousands of dollars of income flowing into their bank account each month but have no desire to manage what is coming in. That’s too restrictive, constraining, and absolutely zero fun!

So, why do people spend so much time planning for special occasions such as weddings, vacations, or work projects but have no desire to put together a financial plan?

Because there is a sense of pressure and expectation for these other events.

A memorable wedding has high expectations all around it. The bride, groom, parents, family, and even close friends all have certain expectations wrapped up in a couple’s wedding ceremony.

A professional executive position has pressure and expectation from the first day he has been hired. This person is under the gun to perform at a high level to achieve success in their career not only for the company they work for, but also to provide for their family.

A big family vacation may only happen one time a year, but the parents and children all want the biggest return for their time and money. Plus, they want to outdo last year’s trip. They are expecting to have the time of their lives.

I find it interesting, though, that most people don’t put themselves under the same kind of pressure and expectation when it comes to money. And, I find it even more interesting that the majority of Christians have the very same mindset as the rest of the world.

But God has high expectations for those who claim the name of Christ to be excellent managers of money.

God and Money

So, why would God have high expectations for me and my financial life?

Because everything you have belongs to God in the first place. Your money, your house, your car, your career, your talents and abilities, your health, your spouse, and your children are all His, not yours. This is the starting point for an understanding of what Christian stewardship is all about.

“The earth is the Lord’s, and everything in it, the world, and all who live in it;” (Psalm 24:1).

You may be thinking to yourself, “Now, Larry. I worked hard for all I have. I went to college for six years. I climbed the corporate ladder. I amassed all my earthly possessions. I found my spouse and we created children, together.”

Yes, that may all be true, but according to the above verse, God owns everything. And because He owns everything, He is expecting you as a Christian to be an excellent manager of His stuff.

“Moreover it is required in stewards, that a man be found faithful” (I Corinthians 4:2).

Even Jesus taught His followers this principle in the Parable of the Bags of Gold in Matthew 25:14-30 (NIV):

“Again, it will be like a man going on a journey, who called his servants and entrusted his wealth to them. To one he gave five bags of gold, to another two bags, and to another one bag, each according to his ability. Then he went on his journey. The man who had received five bags of gold went at once and put his money to work and gained five bags more.  So also, the one with two bags of gold gained two more. But the man who had received one bag went off, dug a hole in the ground and hid his master’s money.

“After a long time the master of those servants returned and settled accounts with them. The man who had received five bags of gold brought the other five. ‘Master,’ he said, ‘you entrusted me with five bags of gold. See, I have gained five more.’

“His master replied, ‘Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!’
“The man with two bags of gold also came. ‘Master,’ he said, ‘you entrusted me with two bags of gold; see, I have gained two more.’

“His master replied, ‘Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!’
“Then the man who had received one bag of gold came. ‘Master,’ he said, ‘I knew that you are a hard man, harvesting where you have not sown and gathering where you have not scattered seed. So I was afraid and went out and hid your gold in the ground. See, here is what belongs to you.’

“His master replied, ‘You wicked, lazy servant! So you knew that I harvest where I have not sown and gather where I have not scattered seed? Well then, you should have put my money on deposit with the bankers, so that when I returned I would have received it back with interest.

“‘So take the bag of gold from him and give it to the one who has ten bags. For whoever has will be given more, and they will have an abundance. Whoever does not have, even what they have will be taken from them. And throw that worthless servant outside, into the darkness, where there will be weeping and gnashing of teeth.’

From this parable, we see three servants who had plans for the money that had been entrusted to them by their master. Two of the three got the money plan right. The third servant got it wrong. The two servants who got the money plan right were rewarded. The one who got their plan wrong was punished.

Are You Even At The Starting Point?

In this post, we have seen that there are two parts to the starting point for Biblical finances.

First, you must a have a plan. Having a casual approach to money accomplishes nothing. You have to a vision of what you absolutely need to accomplish with the financial resources you have been entrusted with.

Second (and most importantly), you must acknowledge that God own everything that you have – your time, energy, health, relationships, abilities, and, of course, money. As a child of God, He is expecting you to manage His stuff with excellence.

Question: Do you have a financial plan and have you acknowledged that God is the owner of all He has asked you to manage?

3 Career Course Corrections To Propel You Farther, Faster In The Information Age

Photo by Don Urban

Photo by Don Urban

Turning Back The Clock

If you had a time machine, what would you do with it?

Would you go back to see historical events in real-time? Would you go back to see what your parents or grandparents were like as children? Would you rush ahead to the future to see what life is like in 25 years?

For some unknown reason, I was contemplating this question the other day. I believe I know exactly what I would do with a time machine.

I would attempt to go back to when I was 18 years old and explain to my younger self what the world is like in the future. I would also give myself a better, faster, more elegant path to achieve career success.

I would be my own best mentor. I would give myself the following advice.

The information age is dominated by people who have a specific skill set and connections. To me, these are the folks who seem to be the most successful in their careers. They dare to do the things that other people dislike to do.

I’m talking about people such as Michael Hyatt, Tim Ferriss, Pat Flynn, Dave Ramsey, and the late Steve Jobs.

And, what do all these people have in common? They are creative. They are excellent communicators. They are skilled at writing blog posts and influential books. They are podcasters (or traditional radio personalities). They produce popular YouTube videos. They are dynamic public speakers. They have developed important mentor and industry relationships that have propelled them farther, faster.

These leaders have embraced the key aspects of being successful in the information age and have been highly rewarded for it.

A Change In College Focus

Now that I’m in mid-life looking back at my college experience and present calling, if I could back up and do it all over again, I believe I would take a different path that would have perhaps gotten me where I now want to go, faster.

You see, when I originally attended college in the late 80s and early to mid-90s, I went a very specialized route – music performance and education.

With this specialized knowledge and experience, I believe I have been relatively successful and enjoy what I have the opportunity to do each week. I’m grateful for God’s blessing in my life in this area. I know other musicians and creative-types who have gone the music school route and have struggled to make a living at what they do.

Observing our current culture and the direction it’s heading, though, I would make the following course corrections if I could go back in time. If I were to mentor a younger person now, these are the areas I would encourage them to pursue for (potentially) greater and faster career success.

3 Course Corrections For Future Career Growth

  1. Personal Relationships: This is a key area of life I wish I was better in. If I could go back and do it all over again, I would definitely be way more proactive in seeking out mentoring relationships with people who are successful in these critical career areas.
  2. Writing Skills: I would spend more time studying the skill of writing and spend more of my available free time developing this critical skill. I would start a personal blog as early as possible. I would attempt writing books at an earlier age as well.
  3. Presentation Skills: I would have joined a Toastmasters Club at an earlier age, maybe take acting classes, worked on video presentations, and read more books on the craft of public speaking.

Why These Areas?

So, why would I even want to go back and tackle these specific areas?

Partly due to the fact that these are the areas people claim they hate and are frightened to pursue.

I always hear statements from various people like, “well, Larry, I’m not really a writer and don’t enjoy it at all.” I also hear statements such as “I always get so nervous standing before a group and giving presentations. I hate public speaking.”

All I can say from personal experience is that I have had similar thoughts to these as well. But, I have found that the more I attempt to do these uncomfortable skills, the more I seek out information and training on how to do a better job, the better and the more comfortable I get.

Isn’t it amazing how that works?

The big picture, though, is once you are able to get comfortable in these areas, the more of a connection you are able to make with people, and the greater the contribution you are able to have in people’s lives. This should be the ultimate payoff for us, anyway – connection and contribution.

Questions: What do you think of these three specific areas for greater, faster career success? Agree or disagree? Have you found yourself backing up and working on these areas to move forward in your career like I have?

A New Concept In Successful Living

Photo by TheTaxHaven

Photo by TheTaxHaven

A Doctor Reveals The Secret

Turn your head and cough.

Yeah, it was that magical time, once again, with my doctor. A few years ago, I had just turned 40, and I needed to go in for a physical evaluation, just to make sure everything in my body was still up to factory specs.

As he and I were sitting in the examination room going through my medical history, he told me I was a boring patient.

I was like, “Geez, thanks a lot, doc.”

Fortunately, he meant it as a compliment.

He told me that in the medical profession he loves boring patients – individuals who are proactively taking care of themselves physically and not engaging in risky behaviors.

I said, “Yup, that’s me. I’m about as vanilla as they come.”

Boring Means Successful

The more I have thought about my doctor’s statement, though, the more I have considered the importance of this as a life philosophy.

I also started thinking about successful people and their daily routines and rituals.

The successful people I know are extremely disciplined, proactive, routine-driven, and not given over to “cray cray.”

Yeah, there are a few exceptions to the rule such as successful, business people types who “party like it’s 1999” and can (sort of) keep their life stuff together, but that’s pretty rare.

The Success Habits Of The Boring

The successful boring people out there have several boring habits.

Maybe that’s a big part of why they are successful.

They wake up early. They engage in personal quiet time, prayer, or meditation. They journal. They write down and review their goals on a regular basis. They focus on two or three important tasks a day that only they can accomplish that will move their career or business forward. They work on the hardest projects, first. They fight hard against procrastination.

They delegate additional activities to others in order to stay focused on their vital few. They eat right. They exercise. They stay on top of their personal finances. They and their spouses are on the same page when it comes to business, finances, and their family. They enjoy spending time with their spouses and children.

They invest all of their time and energy into activities and processes that make a difference.

Now, how corny and square are all these activities? The majority of people on planet earth probably laugh at these type of people and call them “nerds.”

To the successful, though, these activities aren’t boring. They’re actually exciting.

So, if boring works so amazingly well, why aren’t more of us this boring?

Questions: Are you boring and successful in life? If so, what boring activities do you engage in that you would give credit for your success?

Using Mint.com As An Excellent Financial Dashboard To Think And Act Like The Wealthy

Mint.comI’m A New Fan Of Mint.com

Several years ago, I heard about Mint.com but never really took the time to dig deep and discover what this website was all about.

So, why didn’t I?

Like many financial websites, I assumed it wasn’t really going to change much of my current financial process of budgeting, saving, investing, and debt-free living. For many years now, I have been disciplined in my finances, so I wasn’t seeing the need to throw one more layer of personal finance tracking into my current process.

But a few months ago, through the encouragement of some friends of mine, I decided to give Mint.com another look.

Now I get it.

I’m not sure why I didn’t understand the beauty of this site five years ago. Because we now live in the age of electronic banking, we all have website accounts that need to be monitored. These websites include multiple bank checking and saving accounts, investment accounts, credit card accounts, and perhaps other loan accounts such as student loans.

So, once I actually took some time and plugged all my electronic accounts into Mint.com, I began to see the beauty of the website. Mint.com became my own personal finance dashboard. Instead of visiting all of my accounts individually, I could have a snapshot of my family’s financial health in one convenient website.

As I was reviewing my financial dashboard the other day, I had this thought:

Used correctly, an account on Mint.com can help people to focus on three important principles of the wealthy.

3 Important Principles Of The Wealthy

Source Note: These three principles were taken from Rich vs. Poor People Principles by Harv T. Ekker.

  1. Rich people play the money game to win. Poor people play the money game to not lose. With the way the financial dashboard is set-up on Mint.com, it has a quasi-game feeling to it. And, if you are the competitive type, I can see the dashboard having a unique way to encourage you to pay off debt, save, and invest.
  2. Rich people focus on their net worth. Poor people focus on their working income. Due to the nature of this financial dashboard, you have a clear picture of your net worth. Mint.com automatically adds up all your assets and subtracts your liabilities, leaving you with your net worth at the end. Mint does a great job with this wealth principle. I’ve enjoyed watching my net worth grow each month. Thumbs way up!
  3. Rich people manage their money well. Poor people mismanage their money well. At the end of the day, Mint.com is a great tool to manage your personal finances well. Now, you still have to put work into your personal finance management. Mint doesn’t do this management for you automatically, but this website sure can help you become a better money manager.

I realize that not everybody out there is as detailed and compulsive as I am regarding stewardship and personal finances. I am always on the lookout for new ideas and great tools to give me an even greater edge in this area of life. Mint.com is one of those tools to give you an advantage in living out the principles of the wealthy.

Questions: Do you use Mint.com in your personal finances? Why or why not? If you do use this service, do you agree with my assessment of the manner in which it helps you focus on these three wealth principles? Why or why not?






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If You Don’t Get Out Of Debt Now, You’ll Hate Yourself Later

Photo by Dave Lawler

Photo by Dave Lawler

Waiting For Perfect Timing

Perfect timing.

I suspect I’m the king of this elusive time issue. I tend to wait around for the timing to be just about right on most everything such as writing an important article, scheduling the doctor’s appointment, working on a speech, having an important conversation, or making that critical phone call.

The reality of perfect timing is that it is merely a socially acceptable way to procrastinate.

And, I’m sure I’m not alone in this, either. I would guess that most of us like to wait around for the “perfect timing” on almost anything in life.

Yeah, we’re just procrastinating.

So, why do we procrastinate? What are we waiting around for?

Perhaps, taking action will take us out of our comfort zone? It will make us uncomfortable, and we human beings are funny that way. We live for comfort. We don’t like stress. But, we also don’t accomplish what we need to do, either.

If we would just embrace our discomfort and take one small step of action, then we would find that it’s really not as bad as we made it out to be in our mind.

The Perfect Time To Pay Off Debt

Paying off debt is one of these areas that people like to wait around for the right timing.

Perfect timing is a myth. It’s pure hokum.

Yeah, we think we’ll start paying down our debt when we get a higher paying job, when we get our website built that is going to make us a million dollars, when we can finally get moved into our dream house, or when we’re done having kids and the wife goes back to work.

The reality is that there is no such thing as perfect timing. We’re just procrastinating taking action on something that will cause us discomfort. We know that we shouldn’t be carrying the debt load we’re currently carrying, but it’s this big scary monster that we don’t want to deal with.

So, we put it off until tomorrow, or the next day, or the day after that. If you’re not working on getting out of debt now, then it’s probably not going to happen later.

But, I can tell you from personal experience that if you face your fear and look at this ugly debt monster in the face, it’s probably not as bad as you think. We always make things bigger in our mind than they are.

Now Is The Time

I don’t care where you’re at, today.

Maybe you’re still in college. You started a new business a few months ago. You just got married. Your wife is about to give birth to your firstborn child.

Wherever you are in life, right now IS, without a doubt, the very best time to embark on your debt-free journey. Your life will not be any easier one year from now. It’s just going to get more complicated and more expensive at some level. Plus, in these uncertain economic times we now find ourselves, you are better off to just deal with your current state than wait on better financial times that may be several years away.

Take action today on moving toward a debt-free life. Don’t procrastinate any longer. The clock is ticking. If you don’t get out of debt now, you’ll hate yourself later.

Questions: Are you waiting around to become debt-free? What are you waiting around for? What one action could you take today to break your cycle of procrastination and move toward financial freedom?






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Who Else Wants To Raise Children, Successfully?

Photo by Jose Roco

Photo by Jose Roco

My Daughter’s Essay Was An Important Reminder

“Well, Daddy, I wrote about you.”

My oldest daughter and I were having a quick phone conversation right after school about how her day went. I asked her my usual questions, “How was your day? Anything special happen at school?”

She probably told me that not much exciting happened. Then, I probably asked her a few more questions about some specific subjects. These questions led us into a conversation about an essay she had to write in one of her classes. The assignment was to write about a person you know who has set goals and accomplished them.

She chose to write about me!

Actually, I was somewhat taken back when she said this. A tear showed up in the corner of one eye. We’ve never had any kind of “official” conversation about goals or goal-setting that I can recall. I’ve never shared with her any of my life goals.

I have been a goal-setter pretty much my entire life, though. Somehow, my daughter picked this up from me without words. Over the last 13 years, she’s been observing my actions.

She then went on to tell me my list of goals that I had accomplished from her viewpoint as my daughter. I was totally blown away.

At the same time, I was also reminded that what we do in front of our children has a bigger impact than we truly realize.

Actions Speak Louder

We’ve probably heard this statement a million times, “actions speak louder than words” or “more is caught than taught.” I am still amazed, though, at the number of parents who don’t seem to understand that what they do in front of their kids each day makes a HUGE impression on them, way more than words do.

Your words either support your actions, or they contradict them. Unfortunately, I suspect that many parents have words and actions that are complete polar opposites.

Children are a lot smarter than we give them credit. They listen to what we say, but more importantly, they watch everything we do.

Get Into Alignment

If you struggle in this area of right words but wrong actions in front of your children, then there is no better time to change this aspect of your parenting than today.

The best time to make any kind of parenting change is now; not tomorrow, or when the sun, moon, and stars line up.

Start with a change in just one area. Begin by making just one single positive action in front of your children. Then when that takes hold as a habit over a few weeks, then add another positive action and follow the pattern.

Small changes over time have a greater success rate than trying to change everything about your parenting all at once.

Be sure your actions support the words you speak to your kids. Actions really do speak louder than words.

Questions: Do you struggle in this area of alignment between your words and actions with your children? If so, what small change could you begin with today that would make a huge impact on their development over time?






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Learning To Speak The Language In The Land Of Personal Finance

Photo by Jes

Photo by Jes

Language Barriers

I felt like a fish out of water.

A few years ago, I traveled to the nation of Israel on a missions trip.

Yes, there were signs in English. And, yes, there were English-speaking people in Israel. But still, there was enough Hebrew, Arabic, and other European languages being spoken there that I was grasping at what I was hearing, trying to figure out important details about my journey.

The tour hosts and guides gave us some basic Hebrew words and their meanings, but that only took our little missions team so far. We were going to be there for two weeks and then fly home, so probably not very many of us took the Hebrew language very seriously.

We struggled through those language barriers as best we could and then flew back to the States. We were safely back in our English-speaking comfort zone.

What if I made a permanent move to Israel, though? What then? I don’t think faking it through the Hebrew language would do me any good. I would struggle for a very long time. I would be reliant others to translate important information.

The best step I could take would be to learn the language so that there would be no barriers between me and the Israeli people. A wise decision on my part would be to take language classes, listen to audio recording lessons, use computer software, and hire a tutor. Then, I would be completely immersed in that culture. I would not only survive, but I would thrive through knowing the language.

Financial Barriers

Just like a foreign language, personal finance has a “language” all its own.

Many people feel there are way too many barriers to this particular language, so they resort to faking it through their financial journey. They want to stick their fingers in their ears and shout “La, la, la … I can’t hear you” so they don’t have to deal with the foreign land of personal finance.

But, the land of personal finance is not a speedy, two-week trip. Whether we like it or not, our financial lives are the journey of a lifetime. We can choose to win or lose. All it takes is making the choice to win, setting goals, getting help, and learning this language called personal finance.

But, in the end, the majority of us don’t follow this path. We won’t win with our finances.

Lifetime Language Learning

Instead of fighting the language of personal finances, we need to spend a little time and money to learn this language. We need to get in a Crown Financial Bible Study. We need to buy an FPU kit and go through Dave Ramsey’s Financial Peace University. We need to read books such as The Wealthy Barber, The Automatic Millionaire, Rich Dad, Poor Dad, and The Millionaire Mind.

We should know and understand software such as Quicken, and Excel. We should utilize online banking. We should take advantage of websites such as Mint.com. We should automate our finances as much as possible. We should seek out the advice and knowledge of financial professionals.

This is not a “one and done” kind of process, either. Learning the language of personal finance especially in today’s high-tech world needs to become a lifelong learning process. The tips and tricks of finance are constantly evolving. Yes, there are some basic, foundational principles that will never change, but there will be some other important high finance approaches that will change given shifts in the economy.

We all need to embrace the language of personal finance and make the choice to win with money.

Questions: Are you afraid to learn the language of personal finance? Why or why not? What steps are you taking now to stay current in your financial journey?






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Do You Know The Secret Formula For A Better Life?

Photo by  Coschda

Photo by Coschda

A Personal Discovery

I was pleasantly surprised.

I had discovered a secret formula for an amazing life. The more I engaged in this activity, the better I felt.

You see, a few years ago, I started developing some specific, personal habits in my life that were making look and feel better.

What exactly is this secret formula for a better life?

Exercise.

I know, I know. I’m sure you’re not overly surprised with this secret formula. It’s really not much of a “secret.”

We all have a head knowledge that exercise is supposed to be really, really good for us. The problem is that very few people take this knowledge and actually apply it. From my own personal experience, I have found that once you do apply this knowledge, though, the benefits of daily exercise are truly amazing. I can no longer imagine a life without regular exercise.

I made a complete paradigm shift on exercise after receiving five amazing benefits.

5 Surprising Benefits of Exercise

I believe the majority of people exercise to lose weight. That’s great. Keep on losing those pounds! But, I have also found that there are several other major benefits to daily exercise. These reasons keep me hooked and coming back for more.

  1. Increased energy level. This was the biggest benefit I have found once I got into the “groove” of daily exercise. I have a lot more energy to get stuff done. I have more energy from early morning all the way into the evening. This is the number one reason that keeps me going back to the gym every day. I want more energy to accomplish my dreams and goals.
  2. Enhanced mood. If you struggle with anxiety, irritability, stress, or depression, then regular exercise is a great prescription to boost your mood! I have found my life to be lived on a more “even keel” with exercise. Get off your emotional roller coaster with a little bit of exercise.
  3. Expanded mental focus. It is a well established fact that our mental capacity increases with exercise. We become more alert and focused on the tasks before us. In an age of digital distraction, we can all use a little more mental focus.
  4. Extended waking hours. The “weird” part of daily exercise is that you end up needing to sleep less. Why would this be? It almost seems like an oxymoron. You would think you would need to sleep more to allow your body to recover from all your exercise. But, once you are in a healthier state due to exercise, your bodily systems run more efficiently. They don’t need to work as hard, thus the need for a little less sleep. Then, if you need less sleep, you can accomplish even more!
  5. Renewed love life. Yeah, I don’t think I need to go into a lot of detail here, but daily exercise (for us married couples, of course) does help your love life. Try it, and see what I’m talking about!

Questions: How about you? Do you exercise? Why or why not? If you do exercise regularly, do you agree with my five benefits listed here? Am I missing any additional benefits that you have discovered?






Exclusive Bonus! Subscribe today and you’ll receive a link to download my brand new e-book, Moving From Broken To Superhuman: Your 5-Step Action Plan To Change Your Life, Today!, FREE of charge.

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