Posts Tagged ‘goals’

“The world is filled with talented poor people. All too often, they’re poor or struggle financially or earn less than they are capable of, not because of what they know but because of what they do not know.”

Robert Kiyosaki, “Rich Dad, Poor Dad”

I have had a copy of “Rich Dad, Poor Dad” for a long time, read it when I bought it, and haven’t picked it up to read again until this past week.  As I read through this book at this junction in my life’s journey, so much of it is making more sense now than it did in my first reading.

When I came across the above statements in the book, the reality of why so many people trudge along never finding financial success or freedom hit me like a ton of bricks. When we shut down the learning process, and we close the doors to learning something new, the opportunities to grow and expand our wealth are reduced greatly.

From my viewpoint, there are two things that will cause someone to change course from where they are to something better: desire or pain.

Desire is the strong emotional component that can drive someone forward, pushing through obstacles, and will only stop when it reaches its destination. Wait. Let me rephrase that. A BURNING DESIRE will push people to see a goal reached. Now, I have the desire to own a Nissan 370Z. However, that desire is not a burning desire so I don’t put much effort into attaining that goal. When it comes to my life goal, to inspire one million people to Dream BIG and LIVE their dream, that is my burning desire.

Pain is also a strong motivator to change. For some people, the pain comes too late to make the necessary course changes to LIVE a fuller life. For others, the pain of being where they are in life becomes so unbearable, they do what it takes to change the course of their life. The memory of that pain motivates them to push forward and crush the obstacles that stand in their way.

Unfortunately, the majority of people endure the pain, never seek to flame the desire within themselves, and don’t seek out what they need to learn to make that one change that will push them toward a more rewarding financial journey.

When you take a look at where you are at today, are you satisfied with your place in life? Does your financial balance sheet give you a sense of security for your future? If you answered yes to both of those questions, congratulations. If you could only say yes to one of those or no to both, what is keeping you from reaching your goals? Make a conscious decision to learn what it will take to make your goals happen, and start making the changes necessary.

When the circumstances scream “IMPOSSIBLE,” the level of determination can prove otherwise.

You and I both have read, shared, and rallied behind different motivational statements to encourage us to reach for our dreams, our destiny, our goals.  You and I both know we have the same hours in the day as the richest and most successful people in our world. You and I both understand we are given an opportunity each day to do something that will turn our ordinary lives into an extraordinary life.  What then is the key motivator that will inspire us to rise above our current situation?


This is one thing that can not come from someone else. It has to come from within you. The deeper and stronger the determination, the more likely you will succeed and push beyond your original goal.

Each person’s level of determination will flow out of different motivations. Perhaps it is a desire to show someone up who told you, “You can’t do it.” Maybe you hit rock bottom and don’t ever want to go back to that place. There are those who are sick and tired of being sick and tired. You may just want something so bad that you will not stop until you get it.

A dream will only be a dream and a goal will only be a goal if you don’t have the determination to make them happen. When obstacles present themselves, and they will, this inner fire is what will help you push past, go around, or blow the obstacle up that stands in your way. Search within yourself and find that passion, that sheer driving force of will that won’t be denied. Then, you will move past the majority of people and truly LIVE your dream!

“I have had the privilege of analyzing several thousand men and women, 98% of whom were classed as ‘failures.’ There is something radically wrong with a civilization, and a system of education, which permit 98% of the people to go through life as failures…My analysis work proved that there are thirty major reasons for failure, and thirteen major principles through which people accumulate fortunes.”

Napoleon Hill, Think and Grow Rich, 1938

I stand amazed that through all the changes we have been through in the last 74 years, what Napoleon Hill wrote still rings true today. We have a culture where only a few people do something extraordinary while the masses continue down the road of mediocrity. What is the cause for this disparity? I believe we will find it is the same 30 reasons Napoleon discovered through his analysis years ago for this difference.

Rather than list out all 30 of the major causes in one post, I will break this down into five posts over the next 6 weeks. As you read through these causes, take a look inside yourself to see if any of them are holding you back from success. Be advised that each of these major causes of failure can be corrected.

  1. “UNFAVORABLE HEREDITARY BACKGROUND” – Napoleon points out that those born with a “deficiency in brain power” can do little to correct this on their own easily. If one were to recognize this as being a cause, they could make sure they implement the principle of the Master Mind. Rather than give up because of a hereditary cause, one can surround themselves with others who will provide the necessary knowledge to pursue their dream. This is the ONLY cause in the list that an individual may not be able to easily correct.
  2. “LACK OF A WELL-DEFINED PURPOSE IN LIFE” – If someone were to ask you, what is your goal in life? Could you answer that question? The majority of people could not answer that question. Perhaps it is the reason Rick Warren’s book, The Purpose Driven Life, has sold over 30 million copies and has been translated into multiple languages. Although coming from a Christian world view, his book is reaching to a core desire of a person, to know their purpose in life.
    I am reminded of an audio recording I listened to over and over by Zig Ziglar on Goals.He said in that recording, “If you aim at nothing, you’ll hit it every time.” The recording was created to encourage the listeners to establish goals that will give them a purpose, something to go after. If you do not have a well-defined purpose, it may be one of the reasons for your lack of success.This is easily corrected by taking time to find your purpose. Write it down. Flesh it out with descriptive adjectives to give your mind a clear mental image of you living out your purpose.
  3. “LACK OF AMBITION TO AIM ABOVE MEDIOCRITY” – There is not much hope for the person who has no desire to move ahead in life. To achieve success in any area of life, one must invest in themselves to rise above mediocrity. To do otherwise is to pay the price for a life lived below one’s potential. There is a point in time where someone may begin to feel the pain of living the life that they have and at least acknowledge they want something better. However, if the pain of staying where they are becomes routine, then nothing will be done. When the pain becomes to much to bear, change will begin to happen. Don’t wait for the pain of mediocrity to set in.
  4. “INSUFFICIENT EDUCATION”– Some of the brightest minds today are self-educated individuals. While we have many avenues to pursue a formal education, that doesn’t guarantee one knowing how to use the knowledge they have. The difference between those who achieve levels of success and those who don’t isn’t a degree but the application of the knowledge they have acquired.
    What was the last book you read? Have you sought out more training in your area of specialty or a skill you want to develop? What are you dong to apply the knowledge you have? Just a small investment in your own education consistently over time will reward you over time.
  5. “LACK OF SELF-DISCIPLINE”– Self-mastery may be one of the toughest challenges we face. A person who does not learn the discipline of self-control will find themselves among those living in mediocrity. When you know that you need to spend time reading that book but choose instead to watch the news or you need to say no to that second helping but eat it anyway, you are not being in control.
    The person we face in the mirror may be the most difficult person to work with. Self-control is the key to learning self-discipline. Take an inventory of areas in your life that you have not disciplined yourself to reach a higher level of success. What is one area that you can begin to exercise self-control? Begin there and then tackle the next. When you begin to control yourself, you will be able to take better control of situations and the conditions that will lead you to success.

Take some time to do an inventory on your life. Are any of these causes holding you back? If so, take time to make a positive change that will put you in the 2% of people who are successful and LIVING their dream.

“…our brains become magnetized with the dominating thoughts which we hold in our minds, and, by means with which no man is familiar, these ‘magnets’ attract to us the forces, the people, the circumstances of life which harmonize with the nature of our dominating thoughts.”

Napoleon Hill, “Think and Grow Rich”

I have been around people who just know something bad is going to happen and they keep their focus on the negative possibilities. Sure enough, what they focused on became true. This is a universal principle that affects every area of our lives. If we say to ourselves, “If I just look at sweets, I gain weight,” what is our mind telling our body? Is it no wonder we have a problem with our weight?

As you continue your journey toward success financially, this principle holds true as well. You must decide what you want when it comes to money. How do you define success financially? What does your lifestyle look like during retirement? You must begin to picture what you want without worrying about if it’s possible or not.

Day 3 of this journey was about deciding what you want. Hopefully, you included your financial goals in there as well. Here are a few goals that you can make sure you have written out:

  • I will have a net worth of $________________ by the year ____________.
  • I will earn at least $________________ next year.
  • I will save at least ______% of my income each month.
  • I will invest at least ______% of my income each month.
  • To become debt free, I will _______________________________________.
  • One area of financial wisdom that I will start learning right now is ________________________. (p 382 with some adaptation)

In order to get a good picture of what you will need to live the lifestyle you want in retirement, you need to research and find out what it costs to do the things you want to do. Write down what you will need to drive the car you want, eat where you want, travel to the places you want to go, the house you want to live in, and the giving you want to do for charity and family. Dig in and visualize your life and find out the costs.

You also need to be real about what you need for retirement. To stay above the average rate of inflation (roughly 3% on average), for every $5,000 a year in income you want, you will need at least $100,000 saved or invested. So if your desired lifestyle can be maintained with $50,000 a year, you will need $1,000,000 saved or invested at a minimum. Depending on your age right now and where you are financially, you may realize you are not on track. So take action today to begin doing something that will positively change your financial future.

As you shift your focus on where you want to go, be sure you know where you are currently. It is vital that you become conscious of your money. You should know the following things about your financial standing:

  1. Your net worth=your total assets minus your liabilities.
  2. Your need at retirement to have the lifestyle you want (only work with advisors who are helping you achieve your desired results).
  3. You need to know where you are spending your money. Track it for a month if you don’t know.
  4. You need to know about different financial concepts that will help you achieve your goals. Start a habit of increasing your financial literacy.

The bottom line is you will get what you focus on the most. The more you shift your focus to a prosperity mindset from a poverty mindset, the more likely you will be finding yourself achieving your wealth goals. Know what you want without limiting your beliefs as to whether or not it is possible. As you begin to focus on what you want, you will open doors to learn more of what you need to do to achieve your desired outcome.

One last thing, Jack shares some information from one of his master mind members, Lee Brower, founder of Empowered Wealth. Jack talks about the “Empowered Wealth Quadrants” that Lee uses to teach people how to deal with all of their wealth, not just the financial aspect. You can learn more about the quadrants from Lee’s website here.


(Our daily journey of the last 64 days of 2011 is centered on the principles found in Jack Canfield’s book, “The Success Principles: How to Get from Where You Are to Where You Want to Be.” In his book, he encourages his readers to begin teaching others these principles. I would highly recommend that you buy a copy of the book and join us on a journey to a better you.)

“Successful people adhere to the ‘no exceptions rule’ when it comes to their daily disciplines. Once you make a 100% commitment to something, there are no exceptions. It’s a done deal. Nonnegotiable. Case closed! Over and out.”

Jack Canfield, p. 251

Imagine a table sitting before you with 100 glasses of water. Every glass looks the same and has the same amount of water in each. 99 of those glasses is pure water and one is not clean. Do you pick one up and drink? What if you waiting to board a plane at O’Hare International Airport and knew that there was a 99.9% commitment to safely land each flight? You would witness two unsafe landings a day. There is a huge difference in a commitment of 100% compared to 99%.

When we have a 100% commitment to do something on a daily basis, we do it regardless. There is no alternative, no letting it slip this one time. It doesn’t matter if we had a long day, or if we are traveling. You may not feel like it or you may have had a full schedule. There are no excuses to a 100% commitment.

What discipline do you need to have a 100% commitment to daily? Do you need to write, learn a new language, do 100 sit-ups, read a book, meditate, or make a certain number of calls to achieve one of your goals? Make a 100% commitment to the daily disciplines that will get you to your intended goals.

Here are a couple of examples Jack gives of a 99.9% commitment:

  • 16,000 lost pieces of mail per hour
  • 20,000 incorrectly filled drug prescriptions every year
  • 50 newborn babies dropped at birth by doctors every day
  • 22,000 checks deducted from the wrong account each year
  • Your heart failing to beat 32,000 times each year

This is why a 100% commitment is important. Imagine what your life would look like if you made this kind of commitment to excellence in all that you do.


(Our daily journey of the last 64 days of 2011 is centered on the principles found in Jack Canfield’s book, “The Success Principles: How to Get from Where You Are to Where You Want to Be.” In his book, he encourages his readers to begin teaching others these principles. I would highly recommend that you buy a copy of the book and join us on a journey to a better you.)

This principle focuses on the last 45 minutes of your day. This is a very important time as it will focus what your mind will be dwelling on for the next 6-9 hours while you sleep. Each of us has probably experienced some interesting dreams or dreadful nightmares that have resulted from what we were doing or watching right before we went to sleep. When we present to our minds the prize that we are seeking prior to sleeping, we put into motion the power of our subconscious mind to find ways to get the prize.

Here is what we have already been doing in this last part of the day. We have been reviewing our goals. We have been going over our affirmations. Writing out the 5 things we need to do the next day to move us closer to our goals. Facing ourselves in the mirror and acknowledging our daily achievements. Now we are going to add to this a review of the day.

This exercise is one where we relax, breathe deeply, and ask ourselves to show us where we could have been more…fill in the blank.  Could we have been more effective or more loving? Could we have been a better…fill in your profession. This needs to be done without judgement, just becoming aware of what events come to mind. Once you have them in mind, replay the scene as you would have preferred it to have played out. This is sending a positive message to the subconscious mind as to the desired behavior for the next encounter.

Another tool that Jack provides is “The Daily Success Focus Journal.” During this last 45 minutes of our day, we write out 5 successes from the day, along with the reason it was important, what further progress is needed, and the next action. This is accomplishing a couple of things. One, it is reinforcing your ongoing success and the motive for each item you accomplished. Secondly, it is setting up your agenda or calendar for actions you need to take. You can download the blank journal page here.

This whole exercise is to help focus your subconscious mind on what your ideal day looks like. While you are sleeping, your mind will continue to shape your thoughts and will have a tremendous affect on your life. Begin to take the last 45 minutes of your day and make it the best 45 minutes of your daily routine. Your will change your life.


(Our daily journey of the last 64 days of 2011 is centered on the principles found in Jack Canfield’s book, “The Success Principles: How to Get from Where You Are to Where You Want to Be.” In his book, he encourages his readers to begin teaching others these principles. I would highly recommend that you buy a copy of the book and join us on a journey to a better you.)

“Research has shown over and over again that the more you acknowledge your past successes, the more confident you become in taking on and successfully accomplishing new ones.”

Jack Canfield, p. 196

Picture your self-esteem as a bank. Every time you recognize and acknowledge a positive result, achievement, or success, you make a deposit. Each time you recall a failure or mistake, you take money out. How many of us are paying interest to the bank because we withdrew more than we put in the bank? We have a tendency in life to remember and recall our mistakes or our failures more than our successes.

Today’s principle is a challenge to remember the accomplishments you have made in life. So the first step is to recognize your past successes. Start off by identifying nine major successes in your life by dividing your life into three equal time periods and naming three successes in each of them. Here are my nine major successes:

First Third: Birth to Age Birth to 13

  1. Finished Cub Scouts program to become a Boy Scout
  2. Had my first successful deer hunt with my grandfather
  3. Won an award for my Pinewood Derby car

Second Third: 14 to 26

  1. Graduated High School with Honors
  2. First in my family to graduate from college
  3. Led a team of students to Saltillo, Mexico for a mission trip

Final Third: 27-40

  1. Organized intense week of camp for students’ spiritual growth
  2. Became a Financial Adviser
  3. Started a non-profit organization

This is a good starting place and gets your mind to start thinking about your successes. Here is a bigger challenge for you: can you list 100 successes from your life? These can be anything that you accomplished from learning to ride a bike, to a date with that special someone, or getting your driver’s license. Acknowledge the successes you have had in your life.

Now making the list is nice for a warm, fuzzy feeling, but let’s take this a step farther so it isn’t just a one-time feeling. Jack suggests doing the mirror exercise for a minimum of three months. Here are the instructions he gives:

“Just before going to bed, stand in front of a mirror and appreciate yourself for all that you have accomplished during the day. Start with a few seconds of looking directly into the eyes of the person in the mirror…then address yourself by name and begin appreciating yourself out loud…”

(A little piece of advice: Let your family know you are doing this!) Acknowledge any of your achievements for the day, the personal disciplines you kept, and any temptations that you did not give in to. When you are finished with those things, continue to look into your eyes and say, “I love you,” and hold that gaze. This whole exercise may sound corny and strange, but more than likely, your mind has been accepting negative impressions for so long that this will difficult to do. You start this habit for the next 90 days, it will transform how you see yourself and how you present yourself to the world.

If you are willing to do this for the next 90 days, will you let me know? I want to find out how this impacts your life.


(Our daily journey of the last 64 days of 2011 is centered on the principles found in Jack Canfield’s book, “The Success Principles: How to Get from Where You Are to Where You Want to Be.” In his book, he encourages his readers to begin teaching others these principles. I would highly recommend that you buy a copy of the book and join us on a journey to a better you.)