Success Tips


The road to success is not straight. There is a curve called failed, a loop called confusion, speed bumps called friends, red lights called Enemies, caution lights called Family. You will have flat tyre called jobs. But, if you have a spare wheel called Determination, an engine called perseverance, insurance called faith, a driver called Jesus, you will make it to a place called success God Bless you. Abundantly….!!!!!!!!!!





God bless you


                           2 DAYS WARFARE

Scriptures: Psalm 24:1-5, 112:1-3, Job 22:21-30, 29:11

Isaiah 60:11, 26:2, 45:1-3, Deuteronomy 8:18

Mark 10:28-30, 3John 2, Revelation 5:9-13

Time: 12pm-3pm or 12am-3am

INSTRUCTION: You are going to embark on a fasting for the two days.

If you will do the two days as vigil, then your fast should be 7am- 9pm for the two days.


1.    You are going to look for an old cloth(THIS REPRESENTS THE FINANCIAL HARDSHIPS,LACK AND POVERTY IN YOUR LIFE) of yours that you have not put on for a very long time, this you will put on the floor and match on it as you do the prayers. It’s not compulsory you stand on it but make sure you are matching it if your own style of prayers is to be walking up and down. If you like standing in a fixed position while praying you can stand or fix your feet on it.

2.    Write all your financial hardship problems of your life on separate pieces of papers.

3.    Write all your financial projects all in a paper or an exercise book. Don’t be afraid of writing something big that your faith can or can’t carry, I will be joining my faith with yours. Just stretch your faith and imagination.

4.    Get a white candle which you are going to use to burn all the pieces of papers you wrote your financial hardships on after the second day of prayers. Also burn the old cloth after prayers. Make sure you pray on the cloth and verbally transfer all your financial hardships into it, invoking the powers behind your financial dilemma into it before you burn it.

5.    After the prayers, look for children (they can be your kids, neighbor’s, school kids etc.)  and buy gifts or biscuits or snacks or cakes(DON’T GIVE THEM MONEY PLEASE) and give them and ask them to bless you in prayers.


1. Every evil sacrifice offered on any satanic altar against my finance receive the fire of destruction in the name of Jesus.

2. I challenge every power of financial slavery in my life I command such to die in the name of Jesus.

3. Every witchcraft power controlling my financial life receive the fire of destruction in the name of Jesus.

4. You spirit of financial hardship in my finances receive the fire of destruction in  the name of Jesus

5. Every foundation of financial hardship and lack  in my life be destroyed by fire in the name of Jesus.

6. Every witchcraft bondage affecting my financial life receive the fire of destruction in the name of Jesus.

7. Every foundation covenant of poverty and hardship affecting my life receive the fire of destruction in the name of Jesus.

8. You occult powers remote controlling my financial life fall down and die by fire in the name of Jesus.

9. Every witchcraft and occultic curse affecting my financial life receive the fire of destruction in the name of Jesus.

10. You instrument of financial hardship been used against me catch fire and burn to ashes in the name of Jesus.

11. All ancestral curse and covenant of poverty working against my financial freedom receive the fire of destruction in the name of Jesus.

12. Every spirit and power of financial disfavor and badluck receive the fire of destruction in the name of Jesus.

13. You territorial demons working against my work and business fall down and die by fire in the name of Jesus.

14. Every territorial stronghold fighting against my business receive the fire of destruction in the name of Jesus.

15. You ancestral altars holding my business and financial breakthrough in life receive the fire of destruction in the name of Jesus.

16. You marine forces holding and delaying my financial blessings receive the fire of destruction in the name o0f Jesus.

17. Every evil dream remote controlling my financial destiny be destroyed by fire in the name of Jesus.

18. Dreams of financial disfavor affecting my life be destroyed by fire in the name of Jesus.

19. Every monitoring spirits fighting against my financial and business helpers be destroyed by fire.

20. You powers manipulating my financial and business helpers receive the fire of destruction in the name of Jesus.

21. Every satanic curse keeping me below my financial dream break by fire and the blood of Jesus.

22. You evil agents of darkness assigned to my life to enforce financial failure fall down and die by fire.

23. Every altar holding my financial life to ransom break by fire in  the name of Jesus.

24. You marine powers from my family foundation affecting my financial and business life receive the fire of destruction in the name of Jesus.

25. You agents of witchcraft fighting against my financial and business helpers fall down and die by fire in the name of Jesus.

26. Every generational curse on my financial and business life break by fire and the blood of Jesus.

27. Every evil sacrifice offered against my life, finance and business be destroyed by fire in the name of Jesus.


28. Every demonic money I have received affecting my financial and business life be destroyed by fire.

29. Witchcraft/marine forces manipulation against my financial helpers be destroyed by fire in the name of Jesus.

30. Let every spirit of hatred working against my financial and business helpers be destroyed in the name of Jesus.

31. You powers from my father’s and mother’s families attacking my financial and business life, be destroyed by fire in the name of Jesus.

32. Every power working against my breakthrough contract or job fall down and die by fire in the name of Jesus.

33. Every curse of debt operating in my life be destroyed by fire in the name of Jesus.

34. Every stronghold of debt in my financial life be destroyed in the name of Jesus.

35. Every power controlling my customers not making them to pay me my money fall down and die by fire in the name of Jesus.

36. O spirit of debt fall down and die in my life in the name of Jesus.

37. Every power of disfavour working against my financial blessing and breakthrough fall down and die by fire in the name of Jesus.

38. Every power of the occult fighting against my finance and business fall down and die by fire in the name of Jesus.

39. Every evil power causing misunderstanding between me and my helpers fall down and die by fire in the name of Jesus.

40. Every power from my family background limiting my financial explosion fall down and die by fire in the name of Jesus.

41. O God of wealth, let the anointing for financial favour be released upon my life and business in the name of Jesus.

42. O God let all my buried virtues of financial blessings resurrect in the name of Jesus.

43. I command all my helpers to become restless and peaceless until they bless me in the name of Jesus.

44. l command all my wealth and riches on planet earth to begin to locate me as from today in the name of Jesus.

45. I command all my stolen wealth and riches to be restored back to me now in the name of Jesus.

46. Where ever my financial and business helpers may be I command them to begin to locate me in  the name of Jesus.

47. I decree miraculous breakthroughs in my financial and business life in the name of Jesus.

48. I command the gates of abundance to be opened widely into my life in the name of Jesus.

49. I decree any agent of darkness that wants to rise up against my financial life as from today to fall down and die in the name of Jesus.

50. O God I receive the power to get wealth in the name of Jesus.

51. Let the rain of unusual financial and business favour fall upon my life as from today in the name of Jesus.

52. I command my angels to go and bring my financial helpers, wealth and riches into my life in the name of Jesus.

53. O earth hear the sound of my voice I command you to begin to direct the feet of my helpers in to my life as from today in the name of Jesus.

54. I declare into the universe let the aura of financial blessings and help rest upon my life as from today in the name of Jesus.

55. I command my destiny by the power of the Holy Ghost to attract all the resources needed to fulfill her destiny in the name of Jesus.










You and you alone are responsible for your success. While you will have help in many instances, the bottom line is that you are responsible. You need to be surrounded by the right people, working with the right investors, going about meeting your success in the right way. It is you that will make the choices and therefore, your responsibility to make the right choices. In other words, your desire for success must always be greater that any obstacle that stands in your way.


PROGRESSIVE SUCCESS!!!!! Slow growth is better than no growth. Understand that progress is a process that leads to success.

Be Focus .

  How To Program Your Mind For Wealth

In this present lesson you practiced bringing your awareness into the present moment. Hopefully, you were able to feel that by shifting the focus of your mind to what is actually happening around you in this moment, your emotional state literally changed to a calmer, more appreciative level.

This is the first step to using the focus of your mind. Once you feel the power available to you in the present, you can then begin to focus on how to bring about the events of your life that you desire.

The ability to focus your mind is the most physically practical skill you can develop. The simple reason for this is that the focus of your mind attracts to you the experiences that you consistently dwell upon. I realize that I am beginning to repeat myself, but it is vital that you truly understand this truth if you are committed to enjoying prosperity in your life.

The part of your inner self that we call the subconscious mind literally creates for you the experiences of your life. But this creation is not random, arbitrary, or accidental in any way, and you are definitely in charge of this power.

Your inner mind faithfully creates your life experiences according to your conscious beliefs. And you have one hundred percent control over the thoughts of your conscious mind. This should be an extremely liberating idea, for you are free to choose precisely the focus of your mind and the direction of your life.

So in order to bring experiences of prosperity into your life, you must focus on the wealth you already have, be grateful for the blessings that are already in your life, and focus on the abilities you already possess that will bring wealth to you.

By practicing each day, as you are now doing, you will naturally change your consciousness from a state of lack to a state of abundance. Remember to practice the focusing technique you learned yesterday.

Simply be where you are, and notice the world as it is in this moment. Then focus your mind on how you wish things to be, and project your desires out into the world.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Re-examine the financial goal that you set for yourself on day three. Hopefully you have remembered to read this goal on a daily basis. Right now, spend five minutes focusing your mind on this goal, expecting that it is already rushing towards you, and feel your ability to create this experience in your future simply by focusing on it right now.

“The forces of Nature are at the disposal of the person of vigor and determination and desire. Such a one has but to knock at the door of attainment and have it opened to him.” –William Walker Atkinson


How To Program Your Mind For Wealth

All my life I have been obsessed with learning how we can change our reality with the creative power of our minds. I’ve studied dozens of experts, read hundreds of books, and spent thousands of dollars in this quest. Through all of my experimentation, I’ve discovered that there are five simple core principles at the heart of the creation process.

In this short article, I have tried to make this knowledge as simple as humanly possible. I want every single person reading this to be able to take this information and use it, easily and quickly. Here then, is the most simple possible explanation of the power of your creative energy. Follow these five steps, and any goal can be yours.


Yes, it seems so obvious, doesn’t it? You must know what you want in order to get what you want. Yet this most basic fist step is missed by the majority of people. You must know what you want as specifically as possible. This is the magic first step.

Daydreaming about your future will not bring you what you want. Waiting for life to work out the way you’ve always expected won’t bring you what you want. The only way to get what you want is to decide, with clarity and focus, exactly what you want to create.

So how do you know what you want? Well, it’s very simple. Write down your desires, your dreams, and everything that you want for your life. Then pick the one thing on your list that you know you could accomplish if you dedicated some energy to it. Pick that one and forget about the rest. Pick the very next goal in the creation of your live and go for it.

Focus, focus, focus. Don’t waste your energy wishing and dreaming for a million and one things. Pick one and go with it. Just as the journey of a thousand miles begins with a single step, so does the journey to your ideal life begin with a single goal.

So begin with an easy, do-able goal, so far unaccomplished, plug it into this 5-step system. Write down as specifically and exactly what it is you will create. After it’s finished, move on to the next goal.


You must give positive focus, energy, and attention to your goal. Setting a goal and then forgetting about it will not do. You must imprint it on your conscious and subconscious mind until it becomes reality.

Remember, thought is blindingly fast compared to the manifestation of thoughts into reality. Of course, as you practice this system and become more confident, your thoughts will come into reality much more quickly. But as a beginner, you must keep your energy and intention directly on your goal.

You must focus on what you want, not on what you don’t want. Stop complaining about things that are not the way you want them to be. Instead, decide how you would like them to be and focus on that. Whenever you find yourself giving attention to some area of your life with which you are unhappy, immediately ask yourself “What do I want in this situation?” and focus on the answer.

Take a look at your goal every day, give it positive focus and attention. Before you fall asleep and after you wake up, instead of worrying about your problems, imagine your goal successfully attained, and feel how you would feel if your goal was accomplished. Go to sleep with this feeling, and your subconscious mind will quickly find a way to bring it into your reality.


You must take action towards your goal, and you must take action right now! There is no other time that you can act. The past is gone, the future is an illusion. Making plans to take action is not action. You must take action right now.

There is always something that you can do to propel you towards your goal. It doesn’t matter how tiny the action is, or how insignificant you might feel it is, you must do it. There is always some small step you can take. Take that step.

You must convince your subconscious mind that you are serious about accomplishing your goal, and there is nothing more convincing than taking action.

No matter where you are along your path to your goal, no matter how near or far you might feel to be, there is always an obvious next step you can take. Take that step in this present moment. Right now.

If you have trouble figuring out what to do, or are paralyzed into inaction because it seems there are too many things to do, just do this: Make a list of all the things that need to happen in order for your goal to arrive. List all the intermediary steps that you will experience as your goal begins to enter your life.

Somewhere on this list will be the obvious next step. Do it. Do it now!

If your goal is truly out of your hands, you need a new goal. Waiting for other people to change or give you what you want is a sure way to always be unsatisfied. You must pick a goal you are in control of and do whatever it takes to make it come true. That is the only path to power and mastery in life, and the only way to ever feel fulfilled.


You must be consistent. You must, consistently, choose the same goal every day until your goal is accomplished. You cannot send out constantly changing vague wishes into the universe and expect to create results in the real world.

It’s as simple as ordering a meal in a restaurant. You must decide what you want and then ask for it. If you can’t make up your mind the waiter will simply serve someone else until you’re ready. If you do not provide the universe with a specific goal which you consistently ake action toward, your “meal” will never come to you.

And the most important secret of all, step 5:


You Are Always in the Right Place at the Right Time

How to Protect Yourself from the Negativity of Others

  How To Program Your Mind For Wealth

You have taken it upon yourself to grow as a human being. Inevitably you will face resistance, or the appearance of resistance, in the form of negative people and negative self-talk from your mind.


Avoid negative people and situations. Do not allow anyone the opportunity to douse their negative energy on you as you try to evolve. It is not necessary to explain to anybody where your new mental attitude is coming from, or where the cash is flowing from, unless they are completely supportive and genuinely interested.

Do not argue or defend your new ideas to anyone! Ignore them, and get away from anybody who cannot understand the psychological principles you are learning in this program. This is the easy part.

You must also banish the negative self-talk that incessantly occurs in your mind. Replace all negativity, criticism and self-doubt with an honest belief in your ability to change anything in your life.

You do not have to pretend that you do not have problems, or that things do not always go smoothly, but you must realize that you have the ability to solve any of your problems, and the potential to attain all of your goals. This is not blind hope, but literal fact.

The easiest way to banish negativity from your life is to have an optimistic view towards the future. Perhaps your past has been filled with negativity and pain, but there is no reason to drag this pain with you as you grow older. You have the power to make you life a positive expression of your spirit. Realize that you have the power to change anything in your life with which you are unsatisfied. This knowledge will give you the strength to go beyond the negativity we are all surrounded by. Also, with positivity and optimism, it is much easier to turn your problems into opportunities for growth.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Optimism for the future is the easiest shortcut to banish negativity. Today, create for yourself a simple, short statement of positivity that you can repeat to yourself whenever you feel doubt, or fear, or anger. A good example is “I am healthy, wealthy, and wise,” or “Everyday, in every way, I am getting better and better,” or simply “Everything is going my way.” Find a statement that you are comfortable with and apply it throughout your day.

“Without doubt, the most common weakness of all human beings is the habit of leaving their minds open to the negative influence of other people.” — Napoleon Hill
“How To Program Your Mind For Wealth”


13 Responses to How to Protect Yourself from the Negativity of Others

  1. younus Gujjar says

you can avoid the negativity in any form but you cannot deny its existence and when in life it hinders again and again then your positive and optimistic approach finds out the way. We have to face the negativity but not in the same way as it is influencing us but change the energy convertor into positivity then your this imaginative action will bring the negativity to a closed end. Again i will say you have to recognize the existence of negative energies as it is also found us. if you will absolutely deny then you are denying yourself. when your spirit reaches a of culmination then positive and negative both are sitting together without any harm.

  1. Anonymous says:

my encouragement to people is that I want them to concentrate on their goals n life putting seriousness in whatever they are doing in life .never to give because in life there most be a chanllage,situation, problem. but never run away from it keep on fighting according to the bible Paul says fight the good fight of faith so therefore in everything fight the fight of faith wish is good fight. Thanks i you read this od would help u through your life changing.


How to Supercharge Your Magnetic Power to Automatically Attract Whatever You Want

How To Program Your Mind For Wealth

All of the psychological principles you have been studying lead to the truth that properly utilizing your creative energy will magnetically draw to you the experiences you desire.

The power of personal magnetism cannot be understated, for it will draw to you all of the outer, physical experiences necessary for you to fulfill your desires.

By following through with these exercises, by committing to change, by clearly defining your goals, by believing in your power to change, and by focusing your mind in the direction of your goals, you automatically set up a magnetic field of energy that will draw to you the people you need to meet, the circumstances that will help you on your way, and the money you need to fulfill your goals.

This magnetism is a simple and natural extension of the same creative energy which has built your life for you so far. As I stated earlier, unless you consciously decide upon the direction of your life, you will unconsciously repeat patterns that were programmed into your mind many years ago. In this way, you allow the magnetic energy of your spirit to draw familiar experiences to you even if those experiences are limiting and unsatisfactory.

These unconscious patterns explain why most people tend to repeat the same mistakes in their relationships and careers. The only way to override these patterns is to consciously decide to. Through the proper utilization of your conscious beliefs you can begin to magnetically attract optimistic, positive people and events into your life, rather than limiting, negative ones.

In the next few lessons you will learn specific, practical techniques to kick the magnetism of your creative spirit into high gear. For today, simply be aware of this quality in your life.

Realize that everything you have ever experienced has been drawn to you by your conscious beliefs, and decide today to consciously attract more constructive experiences on a more consistent basis.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Sit quietly and visualize the energy of your spirit as a visible magnetic force that emanates outward from your body in all directions and flows over the entire planet, touching every person alive. Now visualize that this magnetic field of energy responds unfailingly to your conscious thoughts, and automatically brings into your life precisely what you desire.

“Success comes to those who become success conscious. Failure comes to those who indifferently allow themselves to become failure conscious.” –Napoleon Hill


How to Generate Powerful Self-Confidence

  How To Program Your Mind For Wealth

In order to live your dreams, you must develop healthy self-confidence. You must believe that you possess the inherent skills necessary to fulfill your desires. You must realize that even if you think that you have never accomplished anything truly worthy, you absolutely have the potential to fulfill your dreams. Remember that you would not even have a particular desire if your unique personality was not imbued with the latent talents to bring it to fruition. Know that with a willingness to continually learn as a human being, and by keeping your mind focused on the type of life you desire, you will, inevitably, manifest your dreams. This feeling of assuredness is the basis of true, healthy self-confidence.

Again, through properly focusing your mind you can develop any of the personality traits you need in order to succeed, including self-confidence. The key is to use your memories constructively rather than negatively.

Most people’s self-confidence is shaken simply because they focus on past experiences that went poorly, and they blame themselves for the negative experiences of their lives. Instead, decide to focus on the events of your past that went well, where you had success, and realize that you have just as much power to succeed as any other person.

Everybody has encountered failure in the past, and you are no different. What is different is your ability to not let past failures stand in your way of a fulfilling future. Simply focus on your positive energy, and decide to use this energy to create positive experiences in your future.

Right now you have decided to learn to expand your consciousness to increase your capacity to attract prosperity. Having this desire for abundant consciousness proves that it is a realistic goal for your personality at this time. It is no accident that you are reading these ideas at this moment. You are willing and open to learn, and the creative energy of the universe is happily teaching you. Accept these lessons with faith that you will absorb this knowledge and effortlessly express it in physical reality. Feel completely confident that you have the ability to live a prosperous life.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Remind yourself of those areas in your life in which you have been successful. Focus on those skills and personality traits that have brought you successful outcomes in the past. Write down the three most successful things you have done in your life. Feel the confidence these events have brought into your life.

“Banish worry by quietly and confidently affirming the drawing power of divine love as the constantly active magnet that attracts your unfailing supply.” –Charles Fillmore


Opportunities Are Everywhere

  How To Program Your Mind For Wealth

Opportunities are everywhere. If fantastic wealth is what you want, you could not have chosen a better time in the history of our planet to be alive. There are billions of people alive today who will gladly pay money to have their needs fulfilled. You simply need to fill a need for a tiny percentage of the population and financial freedom is yours. Simple? It’s never been easier.

Today I would like you to begin to program your mind to always be aware of money-making opportunities. Anything you read, or watch on TV, or learn in a conversation can be turned into a source of income for you if that’s what you desire.

If you honestly open your mind to the idea that money-making ideas are all around you, you will be amazed that you
never noticed them before. Simple expectation is all that is necessary for your mind to easily find opportunity in your everyday life. The truth is that your brain can find a solution to any question you ask it. By focusing on a search for opportunity, you will find opportunity.

This is your exercise for the next 24 hours. Try to imagine how you could, if you wanted to, use your creative energy to create wealth for your life. Try to come up with five or ten or more ideas for creating income in your life. Whether or not you have any intention whatsoever of following through with any of these ideas, this exercise is simply to awaken in your mind the ability to think of income generating opportunities.

The point is that you need only one good idea to change your financial life, so if you are constantly on the lookout, and open to new ideas, you will inevitably strike upon one idea that truly inspires you, and allows you to use your creative energy to attain financial prosperity. So right now, write down three ideas you have for making money. If you can’t think of any, make them up. And over the next 24 hours, come up with five or ten more income-generating ideas. And always remember that opportunities are everywhere.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Simply write down a minimum of three income-generating ideas in your prosperity journal. If you can think of five or ten, great! Commit to remaining open and aware to any and all opportunities that come your way in the next 24 hours.

“It’s a funny thing about life; if you refuse to accept anything but the best, you very often get it.”


The Magic Key of All True Wealth

  How To Program Your Mind For Wealth

Gratitude is the magic key of all true wealth. You are not wealthy if you have ten million dollars in the bank but spend all of your energy worrying about how to protect it from others, or how to protect yourself from losing it. You are abundantly wealthy when you realize that your daily needs are met, and you take great pleasure in the simple experience of being alive.

As I have stated before, in order to attract your goals to you more quickly you must feel as strongly as you are able that your goals are already a reality for you. Act the way you would act if all of your desires were already met. Feel the way you would feel if you had successfully accomplished all of your goals. These emotions set in motion the events necessary for your development. Gratitude is the key emotion for setting in motion the experience of prosperity in your life.

Today, you must allow yourself to feel true gratitude for everything that is positive in your life. Give thanks for your friends and the people you love. Give thanks for the food you eat. Give thanks for your health, your sanity, and your ability to grow and learn. Be grateful for all of the simple little things that you completely take for granted but would sorely miss if they were taken from you.

As well, feel grateful for all of the wealth that you already possess, and feel grateful that you are learning psychological principles that will greatly enhance your ability to attract wealth into your life from now on. If you honestly cannot generate a positive feeling of gratitude, ask yourself this question: What could I feel grateful for if I wanted to? Ask this question and your brain will come up with an answer.

From now on, whenever you spend your money, do it gratefully. Be grateful that you have money to spend, even if you feel poor. Be grateful that you have food to eat. Be grateful that you have a warm bed to sleep in tonight. Gratitude is the single most important step to developing prosperity consciousness. Practice feeling gratitude whenever you get the chance.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: For five minutes, write down anything and everything you have to be grateful for. Write down all of the things that are truly special in your life, and all the simple things that you should appreciate on a daily basis, such as “all my limbs work,” or “I am not in jail,” or “I have hot running water.” You can easily come up with a hundred or more things to be grateful for. Look at this list a few times in the next 24 hours and let it fill you with gratitude. It is always wise to give thanks for the simple pleasures in your life that you usually take for granted.


Freely Accept the Gifts of the Universe

  How To Program Your Mind For Wealth

Today we need to tackle a crucial aspect of prosperity consciousness that may be holding you back from the true wealth you deserve: the ability to receive gratefully.

You have been following this program for over three weeks now. If I have done my job properly, you are probably enjoying this process more than you ever thought possible, and I’ll bet you have already attracted abundant experiences beyond what you believed was possible in thirty days.

On the other hand, if you have been diligently applying yourself to this program and yet you can see no real physical effects in your life, I can virtually guarantee that you have a psychological block against receiving.

This is the most common cause of lack in our society, for we are so absorbed by the notion of complete independence that we feel we must succeed without any help from anybody in our lives, and we feel guilty if help is given or money comes to us without us having “earned” it. This attitude will simply not attract abundance.

You must realize that you are not on this planet to struggle for survival, completely isolated from all around you. Our extreme insistence on individuality simply fuels our feelings of isolation in a seemingly uncaring world. The truth is that you are completely dependent upon the world around you and every person in it for your survival. Alone, you could not feed yourself or protect yourself. Without the gifts of oxygen, water, and sunlight, you would die.

In order to truly be happy you must realize that you are constantly receiving help from the outside world in order to live your life, and you must receive gratefully everything that comes to you. With this attitude you open yourself to more abundance and more prosperity, and you are more apt to respect and love all other people, for they are vital to your survival and happiness.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Try to remember the last time something was offered to you. Did you accept it freely and graciously? Or did you reject the offer, or try to pay for it, or feel guilty for taking it? Your attitude will tell you a lot about your ability to receive. Right now, decide that you will freely accept any gift the universe offers you in whatever form it takes.

“You are prosperous to the degree that you are experiencing peace, health, and plenty in your world.”


How to Instantly Change Your Limiting Beliefs

  How To Program Your Mind For Wealth

You have decided to change. You have committed to taking action. You have decided upon a financial goal. Now: in order to re-program your mind to accept higher levels of prosperity, you must discover what beliefs have limited your experience in the past, and you must consciously decide to change those beliefs.

If you do not realize it already, by the end of these thirty days it should be clear: your beliefs attract to you the life you experience. It is not your intelligence, your education, or your circumstances that have left you financially unsatisfied, but your limiting beliefs about what it means to have financial freedom.

Sound strange? Ask yourself these questions, and answer them as honestly as you can. Remember, nothing is hidden from your conscious mind; if you search, you will find your limiting beliefs.

What negative associations do you have regarding excess money? Do you feel that having money is a sign of shallowness, or that rich people are stingy or greedy? Do you feel that wealth will cause conflict in your life? Will it ruin some of your friendships? Would having too much money mean too much responsibility?

Whatever it is, you must find what has held you back from financial independence and you must, consciously, decide to change this belief. Ask yourself why you are not satisfied financially. What beliefs have held you back?

Try to get at your core belief about money. For example, a core belief for many people is “money is the root of all evil.” Around this belief develop many subsidiary beliefs that would automatically fall away if the core belief were changed. You must realize that money is not good or evil, but is a tool for expressing your creative energy in the physical world.

Realize that you are a good person who will use money for the good of many. Realize that you are evolving to a new level in your emotional, psychological, and spiritual development, and that financial abundance will allow the full expression of your evolved, more expansive personality.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Take two minutes to write down all the limiting beliefs you can recognize that you have regarding having excess wealth. Try to discover what your overriding, “core” belief regarding money is. Change this belief into a positive, and affirm the new belief for a few minutes. For example, if your core belief is “it is difficult to make money,” simply change it to “it is easy to make money.” Repeat this statement for several minutes right now, and whenever you feel a negative thought regarding money.


Money Will Not Make You Happy, But Happiness Will Make You Money

  How To Program Your Mind For Wealth

If you expect to be happy with your money, you must realize that it is not money that will make you happy. It is only your enthusiasm, your energy, your hope, and your love that will truly satisfy you. You want to live your life with a certain level of power and control, with true passion, and from this energy money will flow to you. It is vital not to view money as the key to your happiness, but as a side-effect of your happiness. If you are truly enjoying life, and doing what you wish, money will effortlessly flow to you. Most of the exercises in this book have been leading you in this direction.

Today, as we near the end of this program, I would like to reiterate those emotions which can help you feel joy in your life regardless of financial conditions.

Once again, the most important emotion you can develop is that of gratitude. The key to prosperity consciousness is to feel grateful for all that you already have, and all that you have to look forward to. By properly putting things in perspective, it is easy to realize that we have much more to be grateful for than to be bitter about.

The most obvious way to gain perspective is to appreciate any moment in your life that is not filled with tragedy. Obviously, tragic circumstances enter each of our lives at some point, but these are usually few and far between, and we can usually grieve healthfully and move on. Most days, however, are remarkably lacking in surprises. Life is usually so predictable that we fall into the trap of complacency.

The trick of perspective allows us to be thrilled with the monotony of life. Any day that none of your friends or relatives die is a great day. Any day that you are not paralyzed in a freak accident is a phenomenal day. Any day that you are not rushed to the hospital with a mysterious disease is a wonderful day. This may sound simplistic, or stupid, but with an attitude that realizes that misfortune can fall upon you, 99 percent of your days will be filled with thanks that nothing extraordinary has happened. Perspective is the\ easiest short cut to gratitude, and gratitude is the easiest shortcut to wealth.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Reread your list of things for which you can give thanks that you developed on Day 16. Today, add to this list all the things that you do not yet have, but will soon have due to your new mental attitude. Give thanks now for all the future happiness that you will experience. Feel the emotions of hope and optimism.

“There are two things to aim at in life: first, to get what you want; and, after that, to enjoy it. Only the wisest of mankind achieve the second.” –Logan Pearsall Smith


This Moment is Your Point of Power

  How To Program Your Mind For Wealth

Have you ever heard the old joke that asks “How many therapists does it take to change a light bulb?” The answer? “Just one, but the light bulb has to really want to change!”

This may be a dumb old joke, but it is actually drenched with wisdom.

Unless you are truly prepared to change, unless you are thoroughly fed up with your current situation, no amount of self-help, therapy, or positivity will help. You now have in your possession the guide to a new way of thinking about your life: a way of thinking that stresses the idea that you can grow and that your mind can evolve to accept the prosperity that is your birthright.

Until now, for whatever reason, you have limited your enjoyment of life. It is time to leave that in the past. In the next 30 days we will sweep up the psychological debris in your mind and toss it out like yesterday’s trash. There are many excuses for accepting the security of our lives, even if that security is limited and uncomfortable, but if you are reading these words you are obviously ready to take the necessary action to make positive change in your life.

How does change happen? There is only one way. You must decide that continuing to live your life in the same way will cause you more pain than deciding to put out the necessary effort to change your life. You know very well that repeating the same limiting patterns of your life will only leave you dissatisfied. That is why you are reading this lesson. You are now ready to begin a new life. As they say, today is the first day of the rest of your life. Only you can choose the direction of your life. Today, choose growth over stagnation.

It is up to you. You must decide that you will change. You must choose change. You must realize that in this moment you have the power to choose the direction of your life. Seize this opportunity to choose growth, happiness, and prosperity.

You must begin today. Enter this moment. The past is dead. The future is a dream. It is only in this present moment that you can take the action to make the change. Do it! Do it now! Take five minutes, right now, to feel the truth of these words:


“To change one’s life: Start immediately. Do it flamboyantly. No exceptions.” –William James


3 Simple Steps to Unleash the Magic Power of Goals

  How To Program Your Mind For Wealth


This is one of the most important secrets of life in physical reality. Have you ever wished that you could rub a lantern, release a genie and have all your dreams come true? That genie lives inside your brain, waiting to be awakened by the forceful commitment to your goals.

Remember this: your subconscious mind is the servant of your conscious thoughts. You have drawn to yourself all of the events and conditions of your life according to your beliefs and decisions. And remember this, for it has been proven time and time again: whatever you honestly believe about the world, your subconscious mind will draw to you in your reality.

As simplistic as this sounds, it is true. Believe that you are poor, and you will experience lack; believe that you are blessed with prosperity, and abundance will magically flow to you. Skeptical? You should be. But before you dismiss these truths, give it a shot, for you will be honestly shocked by the results.

There are simple, definite steps to follow in order to convince your mind to manifest your desires.

1. Decide precisely what you want. The more specific you are, the easier it is for your subconscious mind to serve up what you desire. If, for example, you want a new job, decide exactly what you want to be doing, how much you will earn, and where you will work. Of course, you will always leave the details open to change, but this exercise convinces your subconscious that you are at least serious about your desires.

2. Write down your goal. The act of writing down your goal serves to clarify exactly what you want. It has been proven time and time again that people with written goals are far more successful in reaching them.

3. Repeat this goal to yourself several times throughout the day. Create a short statement of your goal which you can imprint onto your mind whenever you get the chance. Simply begin with the phrase “I am now attracting…” and add your goal to the end. Or try “I am blessed with…” and add whatever you desire. You don’t even have to believe this will work. Simply repeat it to yourself whenever you have a spare moment and wait for the magic to begin.

Take five minutes right now and feel the truth of these words:


“The reason most people never reach their goals is that they don’t define them, or ever seriously consider them as believable or achievable.Winners can tell you where they are going, what they plan to do along the way, and who will be sharing the adventure with them.” Denis Waitley


Ask Your Dreams For Money-Making Ideas

  How To Program Your Mind For Wealth

If you generally ignore your dreams, as most of us do, you are wasting one of the most powerful resources you have access to. Your dreams are the vital link between your conscious experience and your subconscious desires and goals.

Dreams are not random misfiring of your neurons while you sleep. Dreams are your connection to the psychological web that connects you to all other humans. Dreams connect us to what Carl Jung called the collective consciousness of our race, and this power of our dreams can teach us all that is truly important about our lives.

Modern science teaches us that we use only 15 percent of our brains. It is more accurate to state that we use 15 percent of our brains for all of the physically verifiable processes of our bodies that science can measure. It takes only 15 percent of your brain power to operate within physical reality.

The other 85 percent of your brain, by far the greater portion, is involved in all of those things which reductionist science cannot measure: your creativity, your emotions, your dreams. The truth of your life is that only a small fraction of your brain power is used in actual practical dealings with the physical world. The majority of your psychological power is engaged in drawing your experiences to you, in subtle psychological interactions with the people you meet or wish to meet, and in experiencing ramifications of future events on a psychological level before you decide to live them out in reality.

Most of this work is done in your dreams. While you sleep, you literally act out your wishes, hopes and fears with other people on a basic emotional level, and from these experiments choose which physical events to experience in your life. This is awesome power, and I urge you to take hold of it today.

Pay attention not only to your dreams, but also to the inner voice that knows what you should do. Pay attention to ideas, motivation and help. Trust your instincts.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Right now, decide that you will pay attention not only to your dreams, but also to your intuition. Tonight, keep your prosperity journal next to your bed and tell yourself that you want to remember your dreams. You may even want to ask your subconscious mind to bring a money-making idea into your dreams. Tomorrow morning, write down your dreams and see if you can learn something from them. Look at the events in your dreams symbolically, not literally, and you may be quite surprised by the wisdom you find.

“Your vision will become clear only when you can look into your own heart. Who looks outside, dreams; who looks inside, awakes.” –Carl Jung


How to Become a Powerful Source of Good

  How To Program Your Mind For Wealth

I hope that I have impressed upon you the truth that you are in full control of the direction of your life. Through the power of your thoughts you literally create the experiences of your life. This is an incredibly liberating state of mind, but also one that entails a great deal of responsibility.

You must realize that you are personally responsible for every aspect of your experience: the good, the bad, the beautiful and the ugly. It is you, and only you, who has chosen to use your mind in whichever way you have in order to create your experiences. Obviously you had a lot of help learning how to accept limiting beliefs from your parents, your relatives, your educators, your friends and enemies. But ultimately, you have always been free to accept any belief you wish.

So you must stop blaming anybody, or any outside circumstances, for anything in your life with which you are unhappy. And you must stop blaming yourself.

All that is necessary is to purposefully change those aspects of your life with which you are unhappy. Instead of asking “why is this not better?” ask “how can I make this better?” Take responsibility for your life, your wealth, and your happiness. Decide to make it better.

Do not believe that wealth will free you from responsibility. As a person who understands the power of properly directed conscious focus, you are in a unique position to help those all around you who are victims of their
own misguided energy. You are doubly responsible to share of your unique spirit to make our planet a more hospitable place. With your wealth, and with your creativity, you owe it to all of humanity to accept the challenge of improving circumstances that are not to your liking. Be bold. Be daring. Accept the infinite wealth of the intelligent universe, and accept the responsibility that comes with wealth. With this attitude you can be a truly powerful source of good on this planet.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: What is one thing about your life, or about the life of somebody you are close to, or about the lives of people in general, which you would like to see improved? Today, find one thing with which you are unsatisfied, and ask yourself the question: “How can I make this better?” Today, take one action, no matter how small, towards improving your life or the life of somebody else. Decide upon one constructive action and do it today.

“He who controls others may be powerful, but he who has mastered himself is mightier still.” –Lao-Tzu


The Greatest Secret of Modern Science… and How It Will Transform Your World

  How To Program Your Mind For Wealth

There is one all-important truth that you must accept if you wish to develop on the path to prosperity. You must discard the modern scientific idea that the physical universe is a meaningless, uncaring, random machine, and that human consciousness is a chemical accident within this machine.

In fact precisely the opposite is true. The universe is a living, conscious, intelligent energy which manifests all physical realities. Thought, emotion, consciousness, and life are the true substance of our universe. Whereas we have been led to believe that consciousness is a delusion of our neurology, the real delusion is that a universe of such magnificence could be accidentally formed. There are countless scientific findings from the past century that point to this truth, but one vital understanding is all that we have room for in this short training program.

The most startling finding of modern science is that there is no material substance in the universe. Protons, electrons, quarks, and all of the “fundamental” particles that science has discovered all turn out to be various manifestations of energy and information.

Everything in the universe is a product of this ever-moving, ever-changing energy. All that we experience physically is simply an interpretation of that energy using our physical senses. So in the most practical, physical sense, everything that you experience is the result of your mind’s interpretation of the energy of the universe.

This insight is the first step to true freedom and personal power. If you believe the universe is a random, meaningless, violent place then in your experience it will be so. If, on the other hand, you believe that your mind controls the substance of your experience, and that the universe is primed to fulfill your needs, then you will meet with experiences that confirm this truth.

Your exercise today is to feel the energy of the universe. Feel it at work within your body; breathing for you, beating your heart, fighting diseases and repairing your cells. This energy flows out from your body to literally shape your world in the same way that it shapes your body.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Sit quietly for five minutes and feel the energy that is flowing through your body. Feel the sounds of the universe entering your brain and the stream of light entering your brain through your eyes. Now imagine that your thoughts stream out into the world in the same manner, to influence and shape events in your life. Imagine that this is literally what is happening, and consciously decide to send out thoughts of a positive, constructive nature in order to change the experiences of your life.

“You have to settle into the uncertainty of things and be comfortable with it. Never voice negativity even if things are not going well. Your world is changing, there’s always tomorrow, all will work out fine in the end… Powerful consciousness about life and money is only habit. Agree to change your habits if that’s what it takes.” –Stuart Wilde


Transform Your World →

Your Unique Personality Will Make You Rich

  How To Program Your Mind For Wealth

Yesterday I discussed the importance of contributing a small percentage of your physical wealth in positive, constructive ways. But even more important than financial contributions are the contributions of your unique personality to the current state of the world.

In order for you to be happy, regardless of the amount of money you possess, you must feel that you are contributing constructively in some manner. Contribution gives your life meaning, whether it is to your friends, your family, your community, your country, or the entire world. It is up to you to find the best way to use your individuality to contribute to the lives of others.

As you might guess by now, having learned all that you have in the past 25 days, generating the emotion of contribution, and feeling that you do have positivity to contribute, goes along with all of the other psychological states I have been trying to have you feel, and these, in turn, lead to a flow of prosperous energy into your life, and physical wealth.

Today I would like you to focus on the uniqueness of your personality.

What are the traits you possess that are indicative of your personality? What are your strengths and weaknesses, your passions, your weird nesses and eccentricities? Perhaps you receive flack or condemnation for certain aspects of your personality. Bask in these qualities today, and realize that it is the things that set you apart from others that can be turned into contribution.

Today, glory in your individuality, and make a point of focusing your attention on how you can contribute constructively to others due to your unique individuality. Realize that you are on this planet at this time in history for a reason. You are here with your unique point of view because you have something to contribute to the evolution of the human race. Ask yourself what it is you can positively contribute, and decide to focus your abilities in this direction in order to make constructive changes in your life and the lives of others.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Write down at least one aspect of your personality that will enable you to contribute constructively to someone or something outside yourself. Decide to expand this aspect of yourself and decide to contribute as much as you are able.

“Your outer world of form and experience is a reflection of your inner world of thoughts and feelings. As above, so below. As within, so without. That is the Law.” –John Randolph Price


The Genius, Power, and Magic of Boldness

  How To Program Your Mind For Wealth

Please read carefully these words from W.H. Murray, from The Scottish Himalayan Expedition:

Until one is committed, there is hesitancy, the chance to draw back, always ineffectiveness. Concerning all acts of initiative (and creation) there is one elementary truth, the ignorance of which kills countless ideas and splendid plans: that the moment one definitely commits oneself, then Providence moves too. All sorts of things occur to help one that would never otherwise have occurred. A whole stream of events issues from the decision, raising in one’s favor all manner of unforeseen incidents and meetings and material assistance, which no man could have dreamed would have come his way. I have learned a deep respect for one of Goethe’s couplets: Whatever you can do, or dream you can, begin it. Boldness has genius, power and magic in it.

In order to accomplish any of your dreams or goals, you must take forceful, decisive action. The affirmations we have been doing are wonderful tools for expanding your consciousness and putting you in a psychological state to motivate you towards the type of life you want, but power is easily eroded by lethargy and apathy. You must take action.

Whatever it is you want to do, you must do it with true emotional commitment. This means taking risks, being fearless, and persevering. Most people’s most serious regret in life comes from not having taken the risk to try something they truly wanted to do.

If true financial prosperity is what you desire, you must take the psychological principles you have been learning and apply this knowledge to your daily life with bold, committed action. You need simply to realize the truth behind all that we have been learning: you are naturally, effortlessly evolving into a human being who gratefully expresses his/her creative energy into the world and receives the physical, abundant rewards from this activity. The universe is on your side. If you fail at one thing, you learn valuable lessons for your next adventure. If you keep at it, you will inevitably create the type of life
you desire. GO FOR IT! DO IT NOW!

Take five minutes right now and feel the truth of these words:


TAKE ACTION: What is the most important action you need to take in your life that you have been putting off? Have you wanted to start a business? Quit smoking? Exercise regularly? Whatever it is, I urge you to start right now. Decide to stop procrastinating. You know that you must take this action or you will never be satisfied, so start right now!


How to Live Effortlessly

  How To Program Your Mind For Wealth

We have all been thoroughly indoctrinated with so much negative propaganda about our lives that it is a wonder we can remember how to be happy at all. At every turn we are reminded that life is a struggle, that work is difficult, that solving our problems will take tremendous effort, and that earning money is hard, hard work.

Our culture’s extreme focus on individualism, competition, and consumerism has stripped from us the ability to truly relax and enjoy the process of life, and bask in the effortlessness of our evolution. The effort we are asked to express in this lifestyle drains our spiritual, creative energy.

We need only look beyond our societal expectations to see how deluded we are. The natural world is dynamic, active, constantly growing and evolving, yet it is driven without any effort. Everything that is truly important in the world is done without the kind of striving effort that our conscious minds are so used to. The forests of the earth grow effortlessly, the seasons change effortlessly, the cells of your body have grown from a microscopic fetus to a fully intelligent being effortlessly.

Your body is, in this very instant, performing tens of thousands of highly specific actions in order to keep you alive without any input from your conscious mind.

What you must learn is that your conscious mind is not meant to be used to worry about any of the functions of living. There is a deep intelligence at work in the universe, and you must develop the faith that this intelligence will meet your needs just as it meets the needs of every cell in your body, and every animal on the planet.

Your conscious mind should be used only to direct the focus of your life.

Consciously decide in which direction you want to evolve, and then let the infinite energy of your inner self take over. Realize that you can attract money without any effort on your part, and realize that it is okay to do so.

Obviously you will need to use your energy in the physical world, but when you are doing what you want you will not be filled with stress but with joy and enthusiasm. Hard work is for those who have not bothered to learn how their minds work. For you, life is truly effortless, and truly enjoyable.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Today’s action is effortless. Simply decide to no longer use your conscious mind for worrying thoughts. Whenever you think thoughts that fill your body with tension, focus your mind on your goals and leave it to your powerful subconscious mind to work out the details.

“It is the mind that maketh good or ill, that maketh wretch or happy, rich or poor.” –Edmund Spenser


Your Desires Are the Key to Your Spiritual Evolution

  How To Program Your Mind For Wealth

Your desires are directions for your psychological development as a human being. If you follow your desires, and ask yourself why you truly want the things that you want, you will find that your desires always lead to the attainment of certain emotional states.

For example, right now you desire prosperity. But what is it that prosperity will give you? Do you really want thousands of hundred dollar bills stocked away that will be the physical symbol of your wealth? Or do you actually desire the feelings you think you will have if you possessed enough cash?

The answer is obvious. You do not want actual money; that is, bits of colored paper that need to be safeguarded from others.

What you want is freedom, independence, the ability to share, to solve problems, to heal yourself and others. Ultimately, you want to be happy. These are feelings, not things.

These are emotional states that you desire. And why do you desire these states? Because they are the next level in your psychological evolution as a human being. You want to give more, have more, and experience more. So you should look upon your desires as positive, growth-inducing emotions.

Unfortunately, we are often conditioned to feel guilty for wanting too much. Many believe that there is a blatant contradiction between wanting to have it all and feeling empathetic to the plight of less fortunate people. Basically, we are led to believe that it is evil to be rich in a world filled with poverty.

This attitude misses a crucial truth of humanity. Evolution is an individual experience, and each individual must learn for him or herself how to manifest more of the life energy we all desire. We cannot help others by being pulled down by the “reality” of the world’s suffering. Empathy does not mean you must be as sad and poor as the rest of humanity. True empathy means that you use your personal power, your hopeful energy, and your wealth to solve the situations of the world that you find unsatisfactory. Only when each individual stakes their claim to divine power can negative physical experiences be alleviated.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Your assignment today is to banish the guilt of desire. Feel grateful, blessed that you are in the position to draw wealth to you and make a commitment to use your wealth and power to help change the conditions of the world with which you are uncomfortable.

“One must not lose desires. They are mighty stimulants to creativeness, to love, and to long life.” — Alexander Bogomoletz


The Power of Auto-Suggestions (and how to use them)

  How To Program Your Mind For Wealth

As you have discovered, the core of this prosperity program consists of the daily use of auto-suggestion to reprogram your mind. There is a simple reason for this: it works! Employing positive self-talk on a consistent basis can work miracles in your life.

The reason for this is surprisingly simple, and I have alluded to it already. Your subconscious mind will faithfully draw into your experience whatever you consistently think about. This has been stated in many ways before: “you are not what you think you are, but what you think, you are!” and “you are what you think about all day long!”

Again, you do not have to believe any of this if you do not feel comfortable, but you should try these ideas out, at least for these thirty days, because they work on practical, physical levels. You are learning highly beneficial psychological tools in order to enjoy your life on a more satisfying level! Do not let your doubts, your fears, or your skepticism get in your way. Simply try it.

The truth is that you are already using hypnotic suggestions on your mind 24 hours a day. If you think thoughts such as “I am not creative,” “I am not happy,” “I am poor,” “I am unhealthy,” or any other negative statement, you are training your subconscious mind to bring these ideas into your reality. You are doing it constantly. The trick to controlling your life is to fill your mind with statements which are conducive to creating the life you desire.

The most simple place to begin is with affirmations. Not only do they have the power to instantly transform your life, but they will stimulate your mind to find ways to make these suggestions real for you. If you tell your mind “all of my needs are met,” you will instantly change your mental outlook, and this will encourage you to strive to find concrete expressions of your new beliefs. Positive affirmations are constructive directions for your mind. You have the power to use affirmations to set the course of your life. Use this power!

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Today’s action continues from yesterday. Did you find a simple statement of positivity with which to focus your mind throughout the day? When faced with negativity did you remember to use your phrase? If you did, congratulations. If you did not, please do so today. It is vitally important to have a positive, simple habit such as this with which to focus your mind.

“Without goals, and plans to reach them, you are like a ship that has set sail with no destination.” —

 You Are Always in the Right Place at the Right Time

  How To Program Your Mind For Wealth

In order to attract substantial amounts of wealth into your life you obviously must be open to receiving this wealth. You also must be open to the idea that any situation you encounter may offer you a money-making opportunity, and that any person you meet may open a creative opportunity for you, or spark an idea in your mind that can be turned into a lucrative enterprise.

You must be constantly alert for ways in which you can use your energy to attract more wealth into your life. This means being always willing to learn, and always expecting to find fulfilling ways to earn money.

Develop your feelings of expectation to such a degree that in every situation you encounter and in every conversation you have you will expect to learn something new, develop a new idea, or in some way enrich your life.

Living your life in this manner will open you up not only to a more abundant lifestyle, but also a more enjoyable one. When you go through each day’s experiences constantly open to the possibilities that surround you, your mind automatically becomes calmer, more focused, and better able to bring to you the experiences you desire.

A simple way to be open to the goodness within all experience is to assume that you are always in the right place at the right time, and that when a creative idea comes you will be psychologically prepared to accept it and physically prepared to act upon it. In this way you can make any of your daily experiences more rewarding.

An extremely useful habit to begin is to develop this sense of openness and expectation first thing in the morning when you awaken. Simply ask yourself “what will happen today that is truly great”, or some similar question that fills you with an optimistic attitude towards the events you will encounter each day.

Assuming that something exciting will happen will automatically kick-start your day in a positive direction, and guarantee more fulfilling experiences in your life.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Throughout the next 24 hours, make it a point to be aware of anything new you hear that may open a financial opportunity. Decide, right now, to be aware of anything useful to your psychological development. Spend a few minutes right now to prepare yourself for the ideas that will come to you in the next 24 hours. Also, remember to ask yourself the question “what will happen today that is truly great,” and honestly expect that something great will happen.

“There is only one admirable form of the imagination: the imagination that is so intense that it creates a new reality, that it makes things happen, whether it be a political thing or a social thing or a work of art.” –Sean O’Faolain


5 Ways to Enjoy Sharing Your Wealth

  How To Program Your Mind For Wealth

You have probably heard or read many times that it is important to give away a small portion of any income you generate. Guess what? I would like to give you the exact same advice. But I want you to understand the reasons behind the sharing of your wealth, rather than simply feeling like you ought to do it. I want you to learn to share your wealth, and truly enjoy it! I would like you to look forward to contributing to others, and to feel wealthier because you can give money away happily.

1. Money is a physical symbol of your creative energy. By holding on to it, you tell your mind that you are afraid of running out, and this blocks the flow of your energy. By sharing your money, you tell your mind that your creativity is boundless, and that you will always have enough money.

2. In order to be wealthy, you must feel wealthy. In order to feel wealthy, you must feel that you always have enough money to meet your needs. By sharing your money, you show your faith in the truth that you are always taken care of financially.

3. Many people believe that money is evil, or at least, not inherently good. But money is neither good nor evil. Money is simply a tool to be used in physical reality. Although money can be used for evil purposes, it obviously can also be used for good. Money itself is neutral. You have the power to choose to use money in good ways. By sharing your wealth, by contributing to causes in which you believe, you are acknowledging the power of money to promote positive change on our planet.

4. Giving feels great. Once you get over the psychological hurdle that has stopped you from sharing your wealth, you will release the negative energy that keeps you clinging to money. In this way you can dissipate the power money has over you, for you will understand that you are free to choose how to use your money, rather than being controlled by the fear of losing it.

5. What goes around, comes around. Giving money away opens the flow of abundance through your life. As you give money away, money begins to come back to you. Soon you will feel an infinite flow of wealth through your life and you will gladly share your wealth with true happiness.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Today, find some way in which you can share the wealth you already have. Decide to give away a small percentage of any income you generate. It does not matter how you share your wealth, but it matters enormously that you enjoy the fact that you have money to share. Today, find some way to share your wealth that will make you happy.

“Because money is a major psychic symbol of security, every thought you have which endorses your insecurity affects your money-making abilities. Money flows toward stability and away from its converse.” –Stuart Wilde


It’s Time to Take Action!

  How To Program Your Mind For Wealth

You must be action oriented if you wish to experience the greatest level of prosperity in your life. Initially, it is most important to have the correct mental attitude towards the issue of wealth, and I have tried to supply you with the tools to help you think constructively.

But now it is time for physical action. You must put yourself out into the world, give freely of your energy, your spirit and your knowledge, and watch the cash flow back to you. I have tried to ingrain an action oriented consciousness in you by having you do one simple task towards prosperity each day. Now it is your turn to figure out what you can contribute each day in order to receive true wealth.

It is pointless to spend thirty days developing your consciousness if you are not willing to follow through with the actions necessary to stake your claim to prosperity in this world. Although you will inevitably reap the rewards of training your mind in this way, true freedom will elude you if you rely only on the power of your thoughts. You must merge thought with action.

Just as it is ineffective to take action in the world without having the proper conscious focus, without knowing your direction and deliberately acting towards your goals, in the same way it is useless to know your goals but refuse to take action towards them.

Remember the karmic law of action and reaction: the more of yourself that you give, the more you open yourself to receive. Remember also the very simplest action you can take: to daily put aside five or ten minutes to re-impress upon your mind the truths of prosperity consciousness. You have done this now for one month, I strongly recommend you continue this habit. Whatever you consistently sow, you will reap, so remember to sow thoughts of abundance and you will inevitably reap wealth and prosperity.

Take five minutes right now and feel the truth of these words:


TAKE ACTION: You have already habitualized yourself to take ten short minutes out of each day to develop your consciousness. Today, decide to continue this habit even after you complete this program. Decide what action you can take for ten minutes each day that will improve your life. Ten minutes of visualizing your goals, or of affirming positive thoughts, or of reading inspiring books is all it takes to keep your mind focused on the positive in your life. Decide now to actively pursue a constructive life from this day forward.

“The great end of life is not knowledge but action.” –Thomas Henry Huxley


There Is Always Enough Money to Meet Your Needs

  How To Program Your Mind For Wealth

Throughout this prosperity program I have been trying to impress upon you the truth that money is simply the physical symbol of your creative energy. Therefore, if you expend most of your energy at a lifeless job which drains your spirit, you will inevitably feel overwhelmed by a sense of lack.

If, however, you constantly strive to generate positive creative energy in your life, and you are constantly seeking outlets for this energy in income generating endeavors, you will naturally increase the amount of abundance in your life.

The key, again, is to not seek money in its physical form, but to seek the feelings of abundance and prosperity and to feel these intensely in your life. After all, as I have already stated, if you have ten million dollars but your psyche is filled with fear and strife you are not wealthy. On the other hand, you do not need a single penny in order to live your life with exuberance and gratitude. The wonderful truth that you are now learning is that by establishing these emotions first, you will naturally, effortlessly, generate all of the physical money that you will ever need.

In the next few lessons, you will be learning to use small physical gestures to convince your mind of your understanding of the symbolic nature of money. For today, do this: put some money away somewhere, into a savings account, or in a piggy bank, or wherever you want, and consciously decide that you will not spend this money on anything that you consider a necessity. It does not matter how tiny a sum of money it is, or how large, but you must decide that from now on you will have enough money to meet the basic needs of your life, and so you can freely put away money for some extravagance in the future.

This money will also become a magnet for more money, for knowing that you always have some small sum put away will help draw cash to you. You want simply to feel that there is more than enough, and that not every dime you earn needs to be eaten up by daily life. Symbolically, by convincing your mind that you have more than enough, you will have more than enough!

Take five minutes right now and feel the truth of these words:


TAKE ACTION: Simply follow through with the actions outlined above. Decide how much money you will put away, and where you will put it. Do this now, and promise yourself that you will not spend this money on necessities. There is always enough money to meet the basic needs of your life!

“Failure is, in a sense, the highway to success, inasmuch as every discovery of what is false leads us to seek earnestly after what is true, and every fresh experience points out some form of error which we shall afterward carefully avoid.” –John Keats


The Definition of Success

Often people ask me to define the word “success.” My favorite definition is this:

“Success is the ability to live your life the way you want to live it, doing what you

Most enjoy, surrounded by people who you admire and respect.”

In a larger sense, success is the ability to achieve your dreams, desires, hopes,

Wishes and goals in each of the important areas of your life.

Although each of us is unique and different from all other human beings who have

ever lived, we all have four goals or desires in common. On a scale of one to ten,

with one being the lowest and ten being the highest, you can conduct a quick

Evaluation of your life by giving yourself a grade in each of these four areas.

 Healthy and Fit

The first goal common to all of us is health and energy. We all want to be healthy and fit, to have high levels of energy and to live free of pain and illness. Today, with the incredible advances in medical science, the quality of our health and fitness, and our lifespan, is largely determined by design, not by chance. People with excellent health habits are far healthier, have more energy, and live longer and better than people who have poor health habits. We will look at these habits, and how we can develop them, later in this book.

 Excellent Relationships

The second goal that we all have in common is to enjoy excellent relationships, intimate, personal or social, with the people we like and respect, and who like, love and respect us in turn. Fully 85% of your happiness will be determined by the quality of your relationships at each stage, and in each area, of your life. How well you get along with people, and how much they like, love and respect you, has more of an impact on the quality of your life than perhaps any other factor. Throughout this book, you will learn the key habits of communication and behavior that build and maintain great relationships with other people.

Do What You Love

The third goal that we all have in common is to do work that we enjoy, to do it well, and to be well paid for it. You want to be able to get and keep the job you want, to get paid more and promoted faster. You want to earn the very most that is possible for you at each stage of your career, whatever you do. In this book, you will learn how to develop the habits of the most successful and highest paid people in every field.

Achieve Financial Independence

The fourth goal we all have in common is to achieve financial independence. You want to reach the point in life where you have enough money so that you never have to worry about money again. You want to be completely free of financial worries. You want to be able to order dinner in a restaurant without looking at the right hand column to decide how hungry you are.


Developing “Million Dollar Habits”

In the pages ahead, you will learn how to develop the “Million Dollar Habits” of men and women who go from rags to riches in one generation. You will learn how to think more effectively, make better decisions, and take more effective actions than other people. You will learn how to organize your financial life in such a way that you achieve all your financial goals far faster than you can imagine today.

One of the most important goals you must achieve to be happy and successful in life is the development of your own character. You want to become an excellent person in every respect. You want to become the kind of person that others look up to and admire. You want to become a leader in your community, and a role model for personal excellence to all the people around you. In each case, the decisive factors in the achievement of each of these goals that we all hold in common is the development of the specific habits that lead automatically and inevitably to the results that you want to achieve.


All Habits Are Learned

The good news about habits is that all habits are learned, as the result of practice and repetition. You can learn any habit that you consider either necessary or desirable. By using your willpower and discipline, you can shape your personality and character in almost any way you desire. You can write the script of your own life, and if you are not happy with the current script, you can rip it up and write it


Just as your good habits are responsible for most of your success and happiness today, your bad habits are responsible for most of your problems and frustrations. But since bad habits are learned as well, they can be unlearned and replaced with good habits by the same process of practice and repetition. George Washington, the first President of the United States and the General in command of the Revolutionary Army, is rightly called “The Father of His

Country.” He was admired, if not worshiped, for the quality of his character, his graciousness of manner, and his correctness of behavior. But that is not the way George Washington started off in life. He came from a middle class family, with few advantages. One day, as a young man aspiring to succeed and prosper, he came across a little book entitled “The Rules of Civility and Decent Behavior in Company and Conversation.” As a teenage boy, he copied these 110 rules into a personal notebook. He carried it with him and reviewed them constantly throughout his life. By practicing the “Rules of Civility,” he developed the habits of behavior and manners that led to him being considered “First in the hearts of his countrymen.” By deliberately practicing and repeating the habits that he most desired to make a part of his character, George Washington became in every respect a “self-made man.” He learned the habits he needed to learn to become the kind of man he wanted to become.


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The First Millionaire

During the same period, Benjamin Franklin, who began as a printer’s apprentice and went on to become the first self-made millionaire in the American colonies, adapted a similar process of personal development. As a young man, Benjamin Franklin felt that he was a little rough, ill mannered and argumentative. He recognized that his attitudes and behaviors were creating animosity toward him from his associates and coworkers. He resolved to change by rewriting the script of his own personality.

He began by making up a list of 12 virtues that he felt the ideal person would possess. He then concentrated on the development of one virtue each week. All week long, as he went about his daily affairs, he would remind himself to practice that virtue, whether it was temperance, tolerance or tranquility, on every occasion that it was called for. Over time, as he developed these virtues and made these habits a part of his character, he would practice one virtue for a period of two weeks, then three weeks, then one virtue per month. Over time, he became one of the most popular personalities and statesmen of the age. He became enormously influential, both in Paris as an Ambassador from the

United States during the Revolutionary War, and during the Constitutional Convention, when the Constitution and the Bill of Rights for the United States was debated, negotiated and agreed upon. By working on himself to develop the habits of an excellent person, he made himself into a person capable of shaping the course of history.


You Are in Complete Control

The fact is that good habits are hard to form, but easy to live with. Bad habits, on the other hand, are easy to form, but hard to live with. In either case, you develop either good or bad habits as the result of your choices, decisions and behaviors. Horace Mann said, “Habits are like a cable. We weave a strand of it every day and soon it cannot be broken.” One of your great goals in life should be to develop the habits that lead to health, happiness and true prosperity. Your aim should be to develop the habits of character that enable you to be the very best person that you can imagine yourself becoming. The high purpose of your life should be to ingrain within yourself the habits that enable you to fulfill your full potential. In the pages ahead, you will learn how your habit patterns are developed, and how you can transform them in a positive way. You will learn how to become the kind of person who inevitably and relentlessly, like the waves of the ocean, moves onward and upward toward the accomplishment of every goal that you can set for yourself.

“We first make out habits, and then our habits make us.”

 Chapter One

Where Your Habits Come From

“Any act often repeated soon forms a habit; and habit allowed, steadily gains in strength. At first it may be as a spider’s web, easily broken through, but if not resisted, it soon binds us with chains of steel.” (Tryon Edwards) You are extraordinary! You came into this world with more talents and abilities

than you could ever use. You could not exhaust your full potential if you lived 100 lifetimes. Your amazing brain has 20 billion cells, each of which is connected to as many as 20 thousand other cells. The possible combinations and permutations of ideas, thoughts and insights that you can generate are equivalent to the number one followed by eight pages of zeros. According to brain expert Tony Buzan, this number is greater than all the molecules in the known universe. Whatever you have accomplished in life to this date is only a small fraction of what you are truly capable of achieving. The psychologist, Abraham Maslow, once wrote that, “The story of the human race is the story of men and women selling themselves short.” The average person settles for far less than he or she is truly capable of achieving. Compared with what you could be, everything you have accomplished so far is only a small part of what

is truly possible for you.

 – Page 12

The challenge is that you come into the world with the most incredible brain, Surrounded by unlimited possibilities for success, happiness and achievement, but you start off with no instruction manual. As a result, you have to figure it all out for yourself. Most people never do. They go through life doing the very best they can, but they never come within shouting distance of doing, having and being all that is possible for them.

– Page 13

The Key To Success

Then one day I began asking that question, “Why is it that some people are more successful than others?” Especially, “Why is it that some salespeople are more successful than others?” With that one question, I did something that changed my life and began the formation of a habit that had a profound effect on my future. I went and asked the most successful salesman in my company what he was doing differently from me. And he told me. And I did what he told me to do. And my sales went up. In the Bible it says, “Ask and ye shall receive.” I soon developed the habit of asking everyone, and in every way possible, for the answers that I needed to move ahead more rapidly. I began to read books on selling, and put into action what I had learned. I listened to audio programs while I walked and eventually, as I drove around. I attended every sales seminar I could find. I continually asked other successful salespeople for advice. And I developed the habit of immediately taking action on any advice or good idea that I received or learned.

As a result, and not surprisingly, my sales went up and up, and eventually I surpassed everyone in my company. Soon they made me a sales manager and asked me to teach other people what I was doing that enabled me to be so successful. Soon I was recruiting people with newspaper ads, teaching them the

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sales methods and techniques that I had learned, and sending them out to call on prospects and customers. In no time at all, they were making sales and moving upward and onward in their own lives. Many of those early salespeople are millionaires today.

The Iron Law Of The Universe

What I learned from this experience was the great Law of Cause and Effect. This is the foundation principle of western philosophy and of modern thought. It says that for every cause, there is an effect. Everything happens for a reason. Nothing happens by accident. This law says that, even if you do not know the reason why something happens, there is still a reason that explains it. Here is one of the most important of all success principles: “If you do what other successful people do, you will eventually get the same results that they do. And if you don’t, you won’t.” Nature is neutral. Nature does not favor one person over another. The Bible says, “God made the rain to fall on the just and the unjust.” When you do the things that other successful people do, over and over again, you will eventually get the same results that they do. It is not a matter of luck, or chance, or accident. It is a matter of law. This was an extraordinary idea for me. Even today I am awed by the immensity and power of this simple principle. If you want to be happy, healthy, prosperous, popular, positive and confident, just find out how other people who are enjoying

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these benefits got that way and do the same things that they do. Think the same thoughts. Feel the same feelings. Take the same actions. And as sure as two plus two makes four, you will eventually get the same results as others do. It is no miracle.


Taking Control of Your Life

But instead of taking this advice, they would nod, smile and agree, and then turn away and go about their day-to-day business. They would start work at the last possible moment, waste much of the day in idle conversation with co-workers and personal business, leave work at the earliest possible time, and then spend their evenings socializing or watching television. In frustration, I began to study psychology and metaphysics. I eventually learned that there are a series of universal principles and timeless truths that explain much of human success and failure. These principles explain happiness and unhappiness, riches and poverty, health and ill health, and good and poor relationships. These mental laws explain why some people have wonderful lives and why others do not.

  – Page 17

The Law of Control

The first law that I discovered was the Law of Control. This law says that, “You feel happy to the degree to which you feel you are in control of your own life. You feel unhappy to the degree to which you feel you are not in control of your own life.” Modern psychology calls this “Locus of Control Theory.” Psychologists differentiate between an internal locus of control and an external locus of control. Your locus of control is where you feel the control exists in each area of your life. This location determines your happiness or unhappiness more than any other factor. For example, if you feel that you are the primary creative force in your own life, that you make your own decisions, and that everything that happens to you is a result of yourself and your own behaviors, you have a solid internal locus of control. As a result, you will feel strong, confident and happy. You will think with greater clarity and perform at higher levels than the average person. On the other hand, if you feel that your life is controlled by other factors or people, by your job, your boss, your childhood experiences, your bills, your health, your

family or anything else, you will have an external locus of control. You will feel like a victim. You will feel like a pawn in the hands of fate. You will soon develop what Dr. Martin Seligman of the University of Pennsylvania calls “learned helplessness.” You will feel helpless and unable to change or improve your

situation. You will soon develop the habit of blaming others and making excuses

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for your problems. This type of thinking leads inevitably to anger, frustration and

failure. We will talk more about this later in this chapter.

The Power of Belief

The next law I discovered was the Law of Belief. This is the basic principle that underlies most religion, psychology, philosophy and metaphysics. The Law of Belief says that, “Whatever you believe, with conviction, becomes your reality.” In the New Testament it says, “According to your faith, it is done unto you.” In the Old Testament, it says, “As a man thinketh, in his heart (his beliefs), so is he.” William James of Harvard wrote, “Belief creates the actual fact.” The fact is that, “You do not believe what you see, but rather, you see what you already believe.” Your deeply held beliefs form a screen of prejudices that distort your external reality and cause you to see things not the way they are, but the way you are.

The worst of all beliefs are self-limiting beliefs. These are beliefs that you have developed through life, usually false, that cause you to believe that you are limited in some way. Your negative beliefs soon become habitual ways of thinking. You may believe that you lack intelligence, creativity, personality, the ability to speak publicly, the ability to earn a high income, the ability to lose weight, or the ability to achieve your goals. As a result of your self-limiting beliefs, you continually “sell yourself short,” give up easily in the pursuit of a goal, and even worse, tell other people around you that you lack certain qualities or abilities. Your beliefs then

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become your realities. “You are not what you think you are, but what you think,

you are.” In developing million dollar habits, one of the most important steps you take is to

Challenge your self-limiting beliefs. You begin this process by imagining that you have no limitations at all. When you develop your mind to the point where you absolutely believe that you can do anything you put your mind to, you will find a way to make that belief a reality. As a result, your whole life will change. As we will discuss later, beliefs are the hardest things of all to change. But there is good news. It is that all beliefs are learned. And anything that has been learned can be unlearned. You can develop the beliefs of courage, confidence and unstoppable persistence that you need for great success by reprogramming your subconscious mind in a specific way.

Your Self-Fulfilling Prophecies

The next law that I discovered is the Law of Expectations. This law says that, “Whatever you expect, with confidence, becomes your own self-fulfilling prophecy.” In other words, you do not necessarily get what you want, but rather what you expect. If you confidently expect something to happen, this expectation has a powerful effect on your attitude and your personality. The more confident your expectations, the more likely it is that you will do and say the things that are consistent with

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what you expect to happen. As a result, you will dramatically increase the probabilities that you will achieve exactly what you are hoping for. One of the wonderful things about expectations is that you can manufacture your own. You can get up each morning and say; “I believe something wonderful is going to happen to me today.” As you go through the day, you create a force field of expectations that surrounds you and effects the people with whom you come in contact. And in some remarkable way, a series of wonderful things, both large and small, will happen to you throughout the day. Successful people expect to be successful, in advance. Happy people expect to be happy. Popular people expect to be liked by others. They develop the habit of expecting that something good will happen in every situation. They expect to benefit from every occurrence, even temporary setbacks and failures. They expect the best of other people, and always assume the best of intentions. And they are seldom disappointed. The flipside of positive expectations are the negative expectations that many people have. Unhappy people expect to fail more often than they succeed. They expect that other people will hurt or disappoint them. They expect their ventures to do poorly. Instead of expecting the best, they expect the worst, and because the law

is neutral, they are seldom disappointed. One of the most important things you can do to assure a happy, healthy, prosperous life, is to expect the very best from every person or situation, no matter how it may

 – Page 21

look at the moment. Develop the habit of positive expectations. You will be amazed at the effect this has on yourself and on the people around you.

You Are A Living Magnet

This law says that, “You are a living magnet; you invariably attract into your life the people, ideas and circumstances that harmonize with your dominant thoughts.” This law of attraction has been written and spoken about for five thousand years. It is one of the most important of all principles in explaining success and failure. The law of attraction says that your thoughts are activated by your emotions, either positive or negative, and that they then create a force field of energy around you that attracts into your life, like iron filings to a magnet, exactly the people and circumstances that are in harmony with those thoughts. Like all mental laws, the law of attraction is neutral. If you think positive thoughts, you attract positive people and circumstances. If you think negative thoughts, you attract negative people and circumstances. Successful, happy people continually think and talk about the things they want to attract into their lives. Unsuccessful, unhappy people are continually talking about the people and situations that cause them to feel angry and frustrated. One of the most important habits you develop is the habit of keeping your mind full of exciting, positive, emotionalized pictures and images of the exact things you

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want to see materialize in your life, and in the world around you. This is one of the most difficult of disciplines, but one that pays off in extraordinary ways.

As Within, So Without

The summary law of the laws we have just discussed is the Law of Correspondence. This law says that, “Your outer world is a reflection of your inner world.” It is as though you live in a 360-degree mirror. Everywhere you look, you see yourself reflected back at you. People treat you the way you treat them. The way you think about your physical body will be reflected in your health habits and your appearance. The way you think about people and your relationships will be reflected back to you in the quality of your friendships and your family life. The way you think about success and prosperity will be reflected in the results that you enjoy in your career and your material life. In every case, your outer world reflects back to you, like a mirror image, exactly what you are thinking in the deepest recesses of your mind. When you put the Laws of Cause and Effect, Belief, Expectations, Attraction and Correspondence together, you arrive at the great universal principle that explains your life and everything that happens to you: “You become what you think about

– most of the time.”

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Just think! You become what you think about most of the time. You always move in the direction of your dominant thoughts. Everything in your outer world is controlled and determined by what you are thinking in your inner world. The good news is that there is only thing in the universe over which you have complete control, and that is the content of your conscious mind. Only you can decide what you think about most of the time. And fortunately, this is all the control that you need to shape your own life and determine your own future. By taking complete control of your conscious thoughts, you can control the direction of your life. By taking control, you will feel happy, powerful, confident and free. You will become unstoppable.

Action Exercises:

1. Look at your field today; identify the three most important reasons why some people are more successful than others.

2. Accept complete responsibility for your life and everything that happens to you; refuse to make excuses or to blame others for anything.

3. What self-limiting beliefs do you have that might be holding you back? What if they weren’t true at all?

4. Expect the best of yourself and others; what would you change if you were absolutely guaranteed of success?

5. In what ways have your dominant thoughts and emotions attracted people, circumstances and situations into your life? How could you change this?

6. Everywhere you look, there you are; what do you need to change in your inner world if you want to see changes in your outer world?

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7. Determine the three most important habits of thought, about yourself and others that you could develop to be happier and more successful. “You can do anything you think you can. This knowledge is literally the gift of the

God, for through it you can solve every human problem. It should make of you an incurable optimist. It is the open door to unlimited possibilities.”

Chapter Two

The Master Program of Success

“The whole secret of a successful life is to find out what it is one’s destiny to do, and then do it.”  The great question for success is, what determines what you think about most of the time? Why is it that some people think thoughts that are positive, constructive and success-oriented while others think thoughts that are negative, pessimistic and which lead inevitably to failure and underachievement? Many successful people have been interviewed over the years and asked the question, “What do you think about, most of the time?” Their answers are simple and consistent, and yet so profound that they can be life changing. In short, successful people think about what they want, and how to get it most of the time.

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Unsuccessful people, on the other hand, think and talk about what they don’t want most of the time, and who is to blame for their problems and difficulties. As a result, they attract more and more of what they don’t want, and what makes them unhappy into their lives. The laws are neutral. Whatever you think and talk about most of the time eventually comes into your life. For more than one hundred years, psychologists have worked to understand and explain the functioning of the human mind. Starting with Sigmund Freud, and moving through the psychologists Alfred Adler, Karl Jung, Abraham Maslow,

William Glasser, Eric Fromm, B. F. Skinner, and through to the modern day, they have sought for the reasons for happiness and unhappiness, success and failure, achievement and underachievement. They have all concluded, one way or the other, that the way your mind is programmed from early childhood plays a decisive role in almost everything you think, feel and accomplish as an adult.

Your Master Program

I have personally read hundreds of books and thousands of articles on psychology and the functioning of the human mind. Perhaps the discovery for me was when I learned about the role of the self-concept in human performance and behavior. Margaret Meade, the Anthropologist, called the self-concept, “the most important breakthrough in the understanding of human potential in the 20th century.” Your self-concept is the “master program” of your subconscious computer. It acts as your mental operating system. Every thought, feeling, emotion, experience, and decision you have ever had is permanently recorded on this mental hard drive.

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Once recorded, these impressions then influence the way you think, feel and behave from that point onward. Your self-concept precedes and predicts your levels of effectiveness in every area of your life. You always act on the outside in a manner consistent with the way that you feel and think about yourself on the inside. Your self-concept explains why the mental laws have such an inordinate effect on your personality.

The Role of the Mini-Self-Concept

Once your self-concept in a particular area is formed, you always act in a manner consistent with it. You may have extraordinary ability in a particular area, but if your self-concept is poor in that area, you will always perform below your true potential. It turns out that you have a “mini-self-concept” for every area of your life that you consider important. For example, you have a self-concept for how creative you are.

You have a self-concept for how well you speak in public, for your memory and for your ability to learn new subjects. You have a self-concept for how popular you are and how well you get along with other people. You have a self-concept for what kind of a spouse or partner you are, and how desirable or attractive you are to members of the opposite sex. You have a self-concept for what kind of a parent

you are. You have a self-concept for how well you perform in each sport or physical activity. You have a self-concept for how organized or disorganized you are, how well you manage your time, how productive you are, and how much you

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get done in an average day. You have a self-concept for your ability to read, write and do mathematics. In your business and career, in the context of Million Dollar Habits, you have a self-concept for every aspect of your financial life. You have a self-concept for how much you earn, and how hard you have to work to earn that amount of money. You have a self-concept for how rapidly you are promoted and how much your earnings increase month-by-month and year-by-year. You have a self-concept for how much you earn on an annual basis, and for how much you will be earning in the future. You have a self-concept for how well you save, invest, spend and accumulate money. You have a self-concept for your personal financial net worth, and how much you are able to acquire in the months and years of your life. Every aspect of your financial life on the outside is determined by your self-concept relative to that way of dealing with money on the inside.

Your Comfort Zone

Whatever your self-concept, your habit of thinking with regard to money or any other area of performance, this very soon becomes your “comfort zone.” Your comfort zone then becomes your greatest single obstacle to improved performance. Once you get into a comfort zone in any area, you will strive and struggle unconsciously to remain in that comfort zone, even though it may be vastly below

what you are truly capable of achieving in that area.

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For example, with regard to money, if your comfort zone is earning $50,000 per year, that is how much you will earn. No matter what happens in the world around you, recessions, depressions, booms and busts, you will eventually stabilize at an earning level of $50,000 per year. You will use all your talents and abilities to get into and maintain that financial comfort zone. If you are accustomed to earning $100,000 per year, and you lose your job, or move across the country and start over, within a few months, you will be earning $100,000 per year. Once you have developed a self-concept level of income, and it

is permanently programmed into your mental hard drive as a habit, your subconscious and super conscious minds will always find a way to achieve that level of income, no matter what happens around you. The key to achieving your full potential, to increasing your income to vastly higher levels than it is today, and to enjoying the very best that is possible for you in every area of life, is for you to raise your self-concept in that area. It is for you to

develop new habits of thinking about what is possible for you. The way that you accomplish vastly more on the outside is by changing your thoughts and feelings about your potential in that area on the inside.

Reprogram Yourself for Greater Success

In medicine it is said that, “Proper diagnosis is half the cure.” To that end, let us look at the three parts of your self-concept, how they interact on each other, and how you can act to alter or improve them in any way you want.

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The first part of your self-concept is your self-ideal. This is the ideal image or picture you have of yourself, as if you were already the very best person you could possibly be. Your self-ideal is made up of your wishes, hopes, dreams, goals, and fantasies about your perfect future life, combined with the qualities and virtues that you admire most in yourself and in other people. Your self-ideal is a composite of the very best person you could imagine yourself being, living the very best life you could possibly live.

High performing, successful, happy people have very clear self-ideals. They have clear ideas of what they like, respect and admire. They have clear ideals about the virtues, values and attributes of the superior men and women that they want to emulate. The most successful people have an uplifting, inspiring vision of what a truly excellent person looks like and how he or she behaves. Because of the Law of Attraction, you inevitably move in the direction of becoming that which you most admire. The greater clarity you have with regard to the ideal future life you want to live, and the ideal person you want to be, the faster

you will move toward becoming that person, and the more opportunities that will open up for you to make your ideal future vision for yourself a reality.

Develop Positive Role Models

In one study conducted some years ago, the researchers found that many men and women who accomplished great things later in life had been avid readers of the biographies and autobiographies of successful people when they were younger. It seems that you have a natural tendency to identify with the hero or heroine in any

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story that you read, watch or hear about. When you continually immerse your mind in the stories of men and women who have accomplished wonderful things with their lives, you unconsciously identify with those characters and actually absorb their values, virtues and qualities into your own personality. Dr. David McClelland of Harvard, in his book The Achieving Society explains how role models have an inordinate effect on shaping the character and personality of the young. One of his conclusions was that the men and women who are the most admired, and held up as models in society during the formative years of the young person, have an inordinate influence on the character and the aspirations of that

person when he or she grows to adulthood. By the same token, young people who have positive role models around them when they are growing up are much more likely to become men and women of quality and character as adults than young people who have no role models, or even worse, negative role models, as often occurs today. With regard to the self-ideal, unhappy, unsuccessful men and women tend to be very fuzzy or unclear about their ideals. If you ask them what they consider to be the most valuable and important qualities in human character and personality, they have either unclear or contradictory answers. This lack of clarity or certainty about what constitutes an ideal person often causes an individual to go around in circles in life, to associate with negative influences and spent time with people who are

equally unclear and unfocused about “the person they want to be when they grow up.”

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Your Values Shape Your Personality

The values you choose to live by, and the way you define those values, shape and influence your personality and your achievements as much or more than any other single factor. When you take the time to think through and develop absolute clarity about the key values and qualities that you admire the most, and wish the most to incorporate into yourself, you begin to shape and direct your whole personality,

and determine the results you achieve in the future. As you think about your values, and reflect upon how you could incorporate them into your life and behaviors, you become a different person. As a result, you attract different people and opportunities into your life. Your outer world soon begins to mirror your inner world. You start to move more rapidly toward the achievement of your most important goals, and your goals begin to move rapidly toward you. It all begins with you taking complete control of the formation and development of your personal self-ideal.

How You See Yourself

The second part of your self-concept is your self-image. Beginning with the work of Dr. Maxwell Maltz, and his book Psycho-Cybernetics, we learn that the way you see yourself on the inside largely determines how you perform on the outside. If you see yourself as positive, popular, productive and successful on the inside, that is exactly how you will act on the outside. The way you behave on the outside will largely determine the results that you get. The results that you get will

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reinforce your self-concept, in either a positive or negative way, and will set you up to repeat the same behaviors in the next similar situation. Your self-concept is often called your “inner mirror.” This is the mirror that you look into prior to engaging in any performance, or entering into any event of importance. If you see yourself as confident and successful prior to meeting a new person, applying for a job, or making a presentation, that is how you will perform in the actual situation. If you have a poor self-image, if you see yourself as not being particularly popular, confident, or attractive, your negative self-image will

cause you to feel clumsy, awkward and inadequate in subsequent situations. One of the most important habits that you develop is the habit of feeding your mind with positive pictures and images of yourself performing at your very best prior to every situation of importance. Take a few moments, as athletes, politicians and performers do, and imagine yourself as if you were outstanding at what you were about to do. Hold that picture in your mind for as long as you possibly can. Then, relax and let it go. Later, when you find yourself in that situation, your subconscious mind will remember the picture and give you the words, actions and gestures that correspond exactly to the picture that you created a short time before.




The Core of Your Personality

The third part of your self-concept is your self-esteem. This is the feeling or emotional component of your personality, the “reactor core” of your subconscious mind. Your level of self-esteem determines the vitality and energy of your personality and is the control valve on your performance.

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Most psychologists today agree that your level of self-esteem is the most important part of your personality, and largely predicts your success or failure, happiness or unhappiness, in every area of your life. In fact, your self-esteem is so important that you tend to organize your whole life around it. Almost everything you do is either to gain self-esteem, or to protect against the loss of self-esteem. The rule with regard to your self-esteem is that “Everything Counts!” Everything that happens to you and around you affects your self-esteem in some way. Everything either increases your self-esteem or lowers it. Everything that happens to you either supports your self-esteem or threatens it. You are like the proverbial “long tailed cat in a room full of rocking chairs.” Every word or gesture of other people toward you affects your self-esteem in some way. The preservation and development of your self-esteem thus becomes the key to high performance, happiness and great success.

Comparing Your Behavior With Your Ideal

Your self-esteem is affected by many factors. One of the most important is the distance between your self-image, the way you see yourself in the moment, and your self-ideal, the way you would ideally like to be sometime in the future. Whenever you feel that your current performance and behavior is consistent with the best person that you can possibly be, your self-esteem goes up. You feel happier and more exhilarated. You have more energy and enthusiasm. You are more positive and personable with others.

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On the other hand, whenever your current performance or behavior seems to be inconsistent or distant from the person that you would most like to be, your self-esteem goes down. You feel anxious and unhappy. You feel self conscious and embarrassed. You feel frustrated and angry. The good news is that, the greater clarity you have with regard to your self-ideal, the person you would most like to be, the easier it is for you to tailor your performance and behavior so that it is consistent with being the kind of person you most admire. And every time you do or say anything that you feel is more consistent with the best person you can possibly be, your self-esteem goes up. You feel happier and more confident. You feel more positive and powerful. You feel capable of doing more and better things in that area, and in other areas of your life.

The Best Definition of Self-Esteem

The very best definition of self-esteem is, “How much you like yourself.” What we have found is that, the more you like yourself, the better you do. And the better you do, the more you like yourself. Each time you perform well in any area, your self-esteem goes up. You like yourself more, and you perform even better in that area, and in other areas as well. The most powerful words you can use to take control of your personality, and to build your self-esteem, are the words, “I like myself!” The more you repeat the

words, “I like myself!” to yourself, the happier and more confident you feel, and the better and more effectively you perform in whatever you are doing.

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When I first learned this powerful affirmation many years ago, my self-esteem was quite low. I had a poor self-image. I had a vague self-ideal. I was plagued by fears and doubts, and tended to compare myself in negative terms with other people. To counter these feelings, I began to repeat the words, “I like myself!” ten, twenty and even fifty times a day. It had a remarkable impact on my personality. Perhaps the most powerful words in your vocabulary are the words that you say to yourself and believe. Fully 95% of your emotions are determined by the words that are running through your mind at any given time. And your mind is very much like a vacuum. It does not remain empty for very long. If you do not deliberately fill

your mind with positive, constructive words, it will fill up by itself with your fears, worries and concerns. To put it another way, if you do not deliberately plant flowers in the garden of your

mind, weeds will grow automatically, with no encouragement or support.

Positive Self-Talk Shapes Your Personality

One of the most important habits you can develop is the habit of talking to yourself positively most of the time. And the most positive words that you can use throughout the day, especially prior to any event of importance or significance, are the words “I like myself!” You cannot say these words to yourself without feeling happier, especially if you repeat them emotionally and emphatically,

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Every time you say, “I like myself!” your self-esteem goes up. As your self-esteem increases, you feel more positive and optimistic. You become eager to set bigger goals and face greater challenges. The more you like yourself, the greater courage and confidence you have. The more you like yourself, the less your fears and doubts get in your way or interfere with your success. And you get all the benefits of self-esteem enhancement by continually repeating “I like myself!”

Supercharge Your Personality

The higher your self-esteem, the faster and easier it is for you to develop the Million Dollar Habits that enable you to accomplish extraordinary things with your life. Since everything you do on the outside is controlled by your subconscious mind, by your current programming, as you change your self-concept, you change your reality. Your self-concept is the seat of the Laws of Belief, Expectation, Attraction and

Correspondence. Your self-concept determines what you think about, most of the time. Your self-concept contains the roots of “learned helplessness.” Yourself concept represents your “comfort zone.” Your main goal is to take complete control over the evolution and development of your self-concept, and shape your

personality and you character into becoming an extraordinary person who can accomplish remarkable things. Take time to become absolutely clear about the virtues, values, qualities and attributes that you most admire, and which you most aspire to make a part of your personality. Prior to every event of importance, create a clear mental picture of

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yourself performing at your very best, consistent with the highest values and qualities that you have, or desire to have. Especially, continually repeat the magic words “I like myself!” over and over again, until they are accepted by your subconscious mind and become a permanent part of your personality. The more you like and respect yourself, and consider yourself to be a valuable and important person, the faster you will develop every other habit, quality and attribute that you need to fulfill your full potential.

The Foundation of Your Personality

At this point, many people ask, “Where does your self-concept come from? How does it begin? How does it develop? What are the major influences that shape your self-concept and how can you change your self-concept once it has developed?” These are vital questions, and there are definite answers for them. The fact is that each child is born with no self-concept at all. Every thought, feeling, idea, opinion, belief or conviction that you have as an adult has been learned, starting in early infancy. You have been taught to believe the things you believe by the people and influences around you over the course of your lifetime,

especially when you were a child. It is true that each child is born with certain personality characteristics,

Propensities, talents, leanings, and other unique attributes and qualities. Some psychologists say that fully 60% of personality characteristics, such as courage, extroversion, musical interest, sensitivity, athletic ability and so on, are inborn and

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innate. This is why children born into the same family, with the same parents and similar upbringing, often turn out totally different from each other. But in terms of self-concept, how a person thinks and feels about themselves relative to their ability and potential, this is learned from early infancy.

Your Two Natural Qualities

When you are born, you come into the world with two natural qualities. First, you are completely unafraid. You are totally fearless. You have no reason to be afraid because you have had no experiences to make you afraid. The second natural quality that you are born with is that you are completely spontaneous. You laugh, cry, pee, poop, sleep and express yourself with no thought or concern about whether anybody approves or disapproves. These are your natural qualities in a state of nature. As an adult, when you feel completely relaxed and safe, surrounded by people whom you like and trust, your natural tendency is to revert to being completely open and unafraid, spontaneous and expressive. This is the ideal condition of the completely happy, fully functioning adult. Starting early in childhood, as the result of the things your parents do and say, you begin to learn the two basic negative habit patterns that then become the most destructive influences in your life as an adult. The first negative habit pattern that you learn is called the inhibitive negative habit pattern. This is what soon becomes the fear of failure, risk and loss. As a child,

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your natural urge is to explore your environment. You eagerly reach out to touch, taste, feel and experiment with everything around you. But often your parents react and even over react to this behavior by discouraging you as much as possible. They say, “No! Get away from that! Don’t touch that! Leave that alone!” Many parents reinforce their words and threats with spankings and punishment. Children need love like roses need rain. Love is as important to the developing child as is food. Any interruption of the flow of unconditional love to the child causes the child to feel nervous and frightened. Psychologists say that virtually all adult problems are rooted in the phenomena of “love withheld” in early childhood.

When your parents become angry with you as the result of your natural desire and drive to explore your world and your environment, you have no way of understanding that this is because of their fear for your safety. Instead, as a child, you merely react and respond with the idea that, “Every time I try or touch or taste something new or different, my mother or father gets angry at me. It must be because I am incapable and incompetent. It must be because I am no good. It must be because I can’t do it.”

Fear of Trying Anything New

This feeling of “I can’t” begins the development of the fear of failure. If you are discouraged or punished too often as a child, very early in life you will become fearful of trying new things. This fear will then carry over into later childhood, adolescence and adult life. Thereafter, whenever you think of doing something new or different, something that entails risk or uncertainty, your first reaction will be “I

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can’t!” As soon as you say the words “I can’t” to yourself, you will begin immediately to think of all the reasons why such a thing is not possible for you. You will think and talk in terms of failure, rather than success. You will think of the uncertainties and all the possible risks of loss that may occur. Before you even try something new, you will talk yourself out of it. Napoleon Hill, author of Think and Grow Rich, once asked an audience, “What is the average number of times that a person tries to achieve a new goal before they give up?” After several guesses from the audience, he gave the answer. “Less than one.” The point he made was that most people give up before they try the first time. They give up without even trying once. Even though they want to improve their lives, increase their incomes, and accomplish more than they are today, as soon as the new goal pops into their mind, they automatically respond with the words “I can’t!” And begin thinking of all the reasons why it is not possible for them. The most important habit you can develop for great happiness and success is the habit of repeating to yourself and believing, “I can do anything I put my mind to!” The most powerful words that you can repeat, over and over, to neutralize and overcome the fear of failure, are the words, “I can do it! I can do it!”

The kindest words that a parent can tell his or her child, in addition to the words “I love you,” are the words “You can do anything that you set your mind to.” It is amazing how many people’s lives have been dramatically affected by the influence

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of a single person, a parent, relative or friend, who simply told them, over and over again, “You can do it.”

What Others Might Say

The second fear that we learn early in life, which then affects us for the rest of our lives, is the fear of rejection, or criticism. We are all sensitive to the opinions of others, especially to the opinions and reactions of our parents when we are growing up. Parents often take advantage of this need to please to control and manipulate their children. The way they do it is by giving or withholding approval and

support, based on the behavior of the child at the moment. When the child does or says something that the parents don’t like, they immediately become rejecting and critical of the child. Since the approval and

support of the parent is like a psychological lifeline to the emotional health of the child, the child is immediately affected and pulls back from the behavior in order to regain the love and approval of the parents. Parents very soon slip into the habit of manipulating the child with “carrot and stick” treatment. They alternate with approval and disapproval, with compliments and criticism, to control and manipulate the child’s behavior. As a child, you are too young to understand what is going on. You know only one thing. The love and approval of your parents is indispensable to your well-being. It is the key to your emotional health. You therefore learn that, “If you want to get

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along, you go along.” At an early age, you begin to conform your behaviors to earn the approval, and avoid the disapproval, of your parents.

The Approval of Others

As you grow older, you become increasingly sensitive to the approval or disapproval of others, starting with members of your family, and then your friends and associates. Teenagers especially become extremely sensitive to whether or not they are liked or disliked by their peers. Instead of being fearless and spontaneous, completely open, honest and expressive, they begin to shape their behaviors and

conform to whatever they feel their peers will approve of at the moment. The child does not know why the parent is behaving this way. The child simply concludes that, “Every time I do something that Mommy or Daddy disapproves of, they stop loving me. Therefore, whatever it is, I have to do what makes them happy. I have to do what pleases them. I have to do what they want if I want to be safe.” This feeling generates what is called the “compulsive negative habit pattern,” which is characterized by the words “I have to!” As an adult, the child who was subjected to disapproval and destructive criticism becomes hypersensitive to the attitudes and opinions of others. They are continually saying, “I have to do this” or “I have to do that.” When the fear of rejection becomes extreme, the individual becomes so hypersensitive to the opinions of others that he or she cannot make a decision until he or she is absolutely convinced that everyone in the world around them will approve and support the decision.


 Like A Deer In the Headlights

The worst situation of all, which is quite common in most people, is the combined feeling of, “I have to” but “I can’t.” The individual feels that he has to do something in order to win the approval of an important person in his life, but simultaneously, he is afraid of trying anything new or different, and becomes extremely sensitive to the reactions and comments of anyone around him. The root cause of negative habit patterns can almost always be traced back to “destructive criticism” in early childhood. Often, destructive criticism is accompanied by physical punishment. In either or both cases, the child very

quickly loses his or her natural spontaneity and becomes fearful and hypersensitive to others.

All the other fears that hold people back – the fears of loss, of poverty, of embarrassment, of ridicule, of ill health, of the loss of love of someone, of public speaking, of taking a chance, of starting or trying something new or different – are all rooted in the fears of failure and rejection that begin in early childhood.

The Antidote to All Your Fears

One of the greatest discoveries in the development of the peak performance personality is that your fears and your level of self-esteem have an inverse or opposite relationship. In other words, the more you like yourself, the less you fear failure and rejection. The higher your levels of self-esteem, the lower are the fears

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and doubts that hold most people back. The more you like and value yourself, the more willing you are to take risks and to endure the inevitable setbacks, obstacles and temporary failures that will occur. The more you like yourself, the less concerned you are with the approval or disapproval of other people. You go your own way. The very fastest way to build your self-esteem and self-confidence, and to neutralize the fears that may be holding you back, is to repeat continually the words “I like myself!” Whenever you feel doubtful or uneasy, begin repeating these words to yourself, “I like myself! I like myself! I like myself!”

The most important Million Dollar Habit you can develop is the habit of deliberately building your own self-esteem and self-confidence on a daily basis. The more you feed your mind with positive words, pictures, and thoughts, the more positive, confident, optimistic and unafraid you become. The more you like yourself, the better you do at anything you attempt. The more you like yourself, the less you fear failure and rejection. The more you like yourself, the less you worry about short-term setbacks and obstacles. The more you like yourself, the greater courage and resilience you will have to face the inevitable ups and downs of life. And the more you like yourself, the more it is that you will persist until you succeed. Self-esteem is everything.

Fulfill Your Complete Potential

There are four more mental laws that you need to know and work with in order to fulfill your complete potential. The first of these is the Law of Habit. This law says

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that, “Whatever you do repeatedly eventually becomes a new habit.” In its simplest terms, this means that you can develop any habit of thought or action that you desire, if you will just repeat it often enough and long enough. We will talk about new habit formation and development in the next chapter. The second law that you must know and use is the Law of Emotion. This law says that, “Every action that you take is stimulated by an emotion of some kind, either positive or negative.” You can think of emotions the way you would think of a campfire. In order for the campfire to continue burning, you must continue to put wood on the fire. If you stop putting fuel on the fire for any period of time, the fire will eventually go out.

The things that you think about most of the time are very much like logs on the fire. If you think about what you want, and how to get it, most of the time, more and more of your mental abilities will be focused on achieving the goals that you have set for yourself. But since your amount of “thinking time” is limited, when you discipline yourself to think only about what you want, you stop putting wood

on the fire of your negative emotions. As a result, you begin to eliminate the doubts and fears that hold most people back.

Concentrate on What You Want

This brings us to the Law of Concentration. This law says that, “Whatever you dwell upon, grows and expands in your life.”

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In other words, whatever you think about most of the time, increases. More and more of your emotions and mental energies become focused and concentrated on what you are dwelling upon. The more you think about your goals and how to accomplish them, the faster you will move toward them. You will focus more of your emotional energy on them, and you will have less energy available for the problems, worries and concerns that preoccupy most people. The final law in this series is the Law of Subconscious activity. This law says that, “Your subconscious mind accepts any thought, plan or goal created by the

conscious mind, and then organizes your thoughts and behaviors to bring that goal into reality.” Whatever thoughts or goals you repeat over and over again in your conscious mind are eventually accepted by your subconscious mind. Your subconscious mind then goes to work, 24 hours a day, to coordinate your thoughts, words and actions to bring those goals into your life.

One Thought At A Time

Your conscious mind can only hold one thought at a time, either positive or negative. You may be capable of thinking hundreds of thoughts in a row, but you can only think of one thought at a time. And you are always free to choose that thought. An essential success habit is the habit of keeping your mind focused

clearly on the person you want to be, the goals you want to achieve, and the steps that you will have to take to achieve those goals.

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When you make a habit of thinking and talking most of the time about where you are going and how to get there, you take complete control of the development of your self-concept and your personality. You step on the accelerator of your own potential. You move yourself onto the fast track in your life. You begin to move ahead at a speed that will amaze you, and everyone around you.

Your Potential Is Unlimited

You are a remarkable person, possessed of incredible untapped potentials and abilities. Whatever you have accomplished in life so far is only a shadow of what is truly possible for you. There are virtually no limits on what you can do, be and have except for the limits that you impose on yourself with your own thinking. Of all creatures, only human beings can reprogram themselves and alter the courses of their lives. You can decide, right now, to take complete control of the shaping and sculpting of your self-concept, and turn yourself into the very best person you can possibly imagine yourself becoming. By releasing your subconscious brakes, your fears of failure and rejection, and by building your self-esteem

and self confidence through positive self-talk, you can unlock your potential and accomplish any goal you can set for yourself. By taking complete control of the development of your self-concept, you lay the

foundation for the development of the Million Dollar Habits that will enable you to accomplish more in the next few years than the average person accomplishes in a lifetime.

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Action Exercises:

1. Identify the primary causes for the effects in your life. Why are you where you are and what could you do differently to get different results?

2. On a scale of 1-10, how much do you feel that you are in control of your life? What could you do to increase your feelings of control?

3. What do you think about most of the time? What should you focus and concentrate on to improve your life?

4. What are the values, qualities and attributes of other people that you most admire? What actions could you take to incorporate those values into your personality?

5. How much do you like yourself? What are the experiences that give you your greatest feelings of self-esteem, and how could you create more of them?

6. What are your greatest fears? How would you behave differently if you had no fears at all?

7. What can you do, starting today, to feed your mind with more of the thoughts, words, people and pictures that are more consistent with the very best person you could be, and the most important goals you want to achieve? “Man becomes a slave to his constantly repeated acts. What he at first chooses,

at last compels.”




Chapter Three

Becoming A Person of Value

“Thoughts lead on to purposes; purposes go forth in action; actions form habits; habits decide character; and character fixes our destiny.” (Tryon Edwards) Almost everything you are or will be will be determined by your thoughts, feelings and behaviors. Fully 95% of everything you think, feel and do will be determined by your habits. The key to becoming a great person, and living a great life, is for you to develop the habits of success that lead inevitably to your achieving everything that is possible for you. Fortunately, all habits are learned, and are therefore learnable. If you have bad habits, or if you have not yet developed the habits that you need to become everything that you are capable of becoming, you can develop these habits by a systematic process of practice and repetition, just as you learn any other subject.

Good habits are hard to learn, but easy to live with. Bad habits, on the other hand, are easy to learn but hard to live with. In either case, once you have developed a habit, it becomes automatic and easy. Like breathing in and breathing out, you find it easier and easier to engage in thoughts, feelings and behaviors that are consistent with the person you want to be, and the goals you want to achieve.

Where Habits Come From

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A habit has been defined as “a conditioned response to stimuli,” but where do they originate? A habit is developed as the result of your responding in a particular way to a particular stimulus, often starting early in life. It is very much like driving down the road and taking a fork in one direction or another. Whichever direction you go, good or bad, largely determines where you end up. Fortunately, you are born with no habits at all. You have acquired them all from infancy. Different habits take different time periods to develop, if you desire them, or to overcome, if they are habits that you want to get rid of. As it happens, there is a proven system that you can use to accelerate the process of new habit pattern development.

Behavioral psychologists refer to “operant conditioning” to describe how people learn certain automatic behaviors. They sometimes refer to the “SBC Model” of new habit pattern formation. These three letters stand for “Stimulus-Behavior- Consequences.” First, something happens in your life that stimulates a thought or feeling. Second, in response, you behave a particular way. Third, as a result, you

experience a certain consequence. If you repeat this process often enough, you develop a new habit.

The Pavlovian Response

In Pavlov’s experiments with dogs, one of the first major experiments on the role of operant conditioning, a hungry dog was given a piece of meat and a bell was rung at the same time. This process was repeated several times, over several days. Each time the dog received the meat, the dog would salivate in anticipation of the

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food, and the bell would ring. After repeating this stimulus-response action several times, the dog would salivate automatically upon hearing the bell, even when no meat was present. In the same way, you can develop conditioned responses to people and situations as the result of previous experiences, either positive or negative. For example, if there is someone in your life that you love and care about, the thought of that person, or the sound of that person on the phone, will immediately cause you to smile and feel happy. If there is a person in your life, usually from your past, who has hurt you, and made you angry or unhappy, the very thought of that person, or even the person’s name, will immediately trigger feelings of anger or sadness. Many people become trapped by memories of unhappy experiences, which have become habitual responses, and are often unable to let them go.

As Simple As ABC

There is another model of habit pattern development called the “ABC Model.” These three letters stand for antecedents-behaviors-consequences. What psychologists have discovered is that the antecedents, what has happened in the past, stimulate only 15% of your behaviors. Fully 85% of your behaviors are

motivated by what you expect to happen in the future, by the anticipated consequences.

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For example, if you are preparing to give a presentation, or apply for a job, 85% of your motivation will be determined by what you expect to happen if you are successful. Only 15% of your motivation will be decided by what you have done in the past in similar circumstances.

Expectations Theory

There is a large block of work in psychology called “expectations theory.” The conclusions they have reached are that people are motivated to act in a particular way by what they expect to happen more than any other factor or influence. In other words, you do the things you do because of the consequences you feel you will experience as a result. Expectations Theory explains small things, like what you do and say in a social situation, and large matters, such as capital movements in the international financial markets.

As we discussed in Chapter One, you can actually manufacture your own expectations. You can develop the habit of expecting good things to happen, no matter how they may appear at the moment. Your expectations then influence your attitudes and the way you treat other people. Your attitudes, expectations and behaviors will then have an inordinate influence on the way things actually work out. In effect, you can control much of your own future by expecting things to happen in a positive way. Unfortunately, negative expectations also become self-fulfilling prophecies. If you expect something to turn out poorly, this will affect your attitude and behavior. Your negative attitude then increases the likelihood that you will experience the

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negative consequences that you anticipated. If you repeat this often enough, you will develop a negative and pessimistic attitude. This way of thinking will become a habit.

New Habit Pattern Development

How long does it take to develop a new habit? The time period can be any length from a single second to several years. The speed of new habit pattern development is largely determined by the intensity of the emotion that accompanies the decision to begin acting in a particular way. Many people think, talk about and resolve to lose weight and become physically fit. This may go on for years. Then one day, the doctor says that, “If you don’t get your weight down and improve your physical condition, you are in danger of dying at an early age.” Suddenly, the thought of dying can be so intense or frightening that the individual

immediately changes his diet, begins exercising, stops smoking and becomes a healthy and fit person. Psychologists refer to this as a “significant emotional experience,” or a “SEE.” Any experience of intense joy or pain, combined with a behavior, can create a habitual behavior pattern that may endure for the rest of a person’s life. For example, putting your hand on a hot stove or touching a live electrical wire

will give you an intense and immediate pain or shock. The experience may only take a split second. But for the rest of your life, you will have developed the habit

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of not putting your hand on hot stoves, or touching live electrical wires. The habit will have been formed instantly, and endure permanently. According to the experts, it takes about 21 days to form a habit pattern of medium complexity. By this, we mean simple habits such as getting up earlier at a specific hour, exercising each morning before you start out, listening to audio programs in your car, going to bed at a certain hour, being punctual for appointments, planning every day in advance, starting with your most important tasks each day, or completing your tasks before you start something else. These are habits of medium complexity that can be quite easily developed in 14-21 days through practice and repetition.

How do you develop a new habit? Over the years, a simple, powerful, proven methodology has been determined for new habit development. It is very much like a recipe for preparing a dish in the kitchen. You can use it to develop any habit that you desire. Over time, you will find it easier and easier to develop the habits that you want to incorporate into your personality.

Seven Steps To A New Habit

First, make a decision. Decide clearly that you are going to begin acting in a specific way 100% of the time, whenever that that behavior is required. For example, if you decide to arise early and exercise each morning, set your clock for a specific time, and when the alarm goes off, immediately get up, put on your exercise clothes and begin your exercise session.

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Second, never allow an exception to your new habit pattern during the formative stages. Don’t make excuses or rationalizations. Don’t let yourself off the hook. If you resolve to get up at 6:00 am each morning, discipline yourself to get up at 6:00 AM, every single morning until this becomes automatic.

Third, tell others that you are going to begin practicing a particular behavior. It is amazing how much more disciplined and determined you will become when you know that others are watching you to see if you have the willpower to follow through on your resolution.

Fourth, visualize yourself performing or behaving in a particular way in a particular situation. The more often you visualize and imagine yourself acting as if you already had the new habit, the more rapidly this new behavior will be accepted by your subconscious mind and become automatic.

Fifth, create an affirmation that you repeat over and over to yourself. This repetition dramatically increases the speed at which you develop the new habit. For example, you can say something like; “I get up and get going immediately at 6:00 AM each morning!” Repeat these words the last thing before you fall asleep. In most cases, you will automatically wake up minutes before the alarm clock goes off, and soon you will need no alarm clock at all.

Sixth, resolve to persist in the new behavior until it is so automatic and easy that you actually feel uncomfortable when you do not do what you have decided to do.

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Seventh, and most important, give yourself a reward of some kind for practicing in the new behavior. Each time you reward yourself, you reaffirm and reinforce the behavior. Soon you begin to associate, at an unconscious level, the pleasure of the reward with the behavior. You set up your own force field of positive consequences that you unconsciously look forward to as the result of engaging in the behavior or habit that you have decided upon.

Overcoming Procrastination

For example, procrastination is a problem that bothers almost everyone. Learning to overcome it is an exercise that will pay off for you all your life. To overcome procrastination, you can practice the seven steps described above. First, make a decision to start in immediately on your most important task each

day. Second, never allow an exception until the habit is firmly entrenched. Third, tell others that you are going to stop procrastinating in a particular area. Fourth, visualize and imagine yourself starting right in on a task and working at it non-stop until it is complete. Fifth, repeat over and over, “I start and work immediately on my most important task” Sixth, discipline yourself to persist every day until it becomes automatic for you to start in immediately on your top task. And seventh, reward yourself each time you overcome procrastination and complete an important job. Ever after, practice this process on any new habit you want to develop. Make new habit pattern development a regular part of your life. Always be

working on the development of a new habit that can help you. One new habit per

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month will amount to twelve new habits each year, sixty new life-enhancing habit every five years. At that rate, your life would change so profoundly that you would become a whole new person in a very positive way.

Take It Easy On Yourself

Where do you start in new habit pattern development? When people first learn about the importance of new habit pattern development, and how positive patterns of thought and behavior can have a wonderful effect on their lives, they often make the mistake of resolving to develop several new habits at once. They decide to improve in every area of their lives simultaneously. They very excitedly draw up a list of new habits that they desire for their work, their financial lives, their business activities, their relationships, their family, their health and their personal organization skills. As a result, they very quickly hit a mental wall, and no improvement takes place at all. Here is the rule in developing new habits: be patient with yourself. It has taken you an entire lifetime to become the person you are. It is not possible for you to change everything overnight. You should therefore select a single habit that you feel can be more helpful to you at the moment than any other particular habit. Write it down and create a positive affirmation, combined with a visual image, of yourself acting exactly as if you already had that new habit. You then launch immediately, and never allow an exception. Talk to yourself positively and tell yourself that you already have this habit. Imagine yourself behaving as though you had already learned this behavior. Tell others. Give

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yourself rewards and reinforcement each time you engage in the new behavior. But only try to change one habit at a time.

Permanent Fixtures of Your Mind

As it happens, old habits do not die. They don’t disappear. When you stop practicing them, and instead discipline yourself to behave in a new way, they become weak and withdraw into your subconscious mind. Your new habits may override and replace the old habits, but you never eliminate them completely. They lurk below the surface, waiting to reemerge at a later time, when the stimulus that originally created them is repeated. For example, when you were young, you learned how to ride a bicycle. Eventually

you began driving a car. Many years, even decades later, you can get onto a bicycle and within a few seconds, you can be riding with the same balance and skill that you had programmed into your subconscious mind as a child. Many people first learned how to drive a car with a standard transmission, a stick shift. Today most cars have automatic transmissions. You may drive one for years. However, if you were required to drive a car with a stick shift, even after many years, you would slip into the old habit of shifting gears easily and naturally in a few seconds. The old habits never completely go away.

Being and Becoming

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You are unique in the entire world. There never has been, nor will there ever be, anyone just like you. And what makes you different and special is your mind. It is you ability to think, to decide and to act.

The sum total of your thinking and experiences in your past is contained in your actions of today, in your habitual ways of reacting and responding to other people. It is only your actions that tell who you are and what you have become. The good news is that you are not just a human being. You are a “human becomingness.” You are in a continual state of growth and evolution, shedding old ideas and habits and developing new ones. It doesn’t matter where you are coming from; all that really matters is where you are going. And where you are going is only limited by your own imagination.

Action Exercises:

1. What one habit would you like to have, more than anything else? What one action could you take immediately to begin developing this habit?

2. What are the most important results or consequences that you want to enjoy: what habits would help you to the most to achieve them?

3. Select one habit you would like to develop in your financial life and activities: define it clearly and then begin work on it today.

4. Select one habit you would like to develop in your family life, and the way you interact with others; begin practicing it today.

5. Select one health habit that could contribute to your health and fitness more that anything else you could do; start it today.

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6. Select one habit that would help you to be more effective and productive at work and begin acting as if you already had that habit.

7. Imagine that you have no limitations on what you could do, have or be, or on the habits you could develop; what goals would you set for yourself? “What happens to a man is less significant than what happens within him.” (Louis

L. Mann)

Chapter Four

The Habits You Need to Succeed

“Self command is not only itself a great virtue, but from it all the other virtues seem to derive their principle luster.” (Adam Smith) The most important habit you can develop for success, achievement and happiness is the habit of self-discipline. Perhaps the best definition of self-discipline comes from Elbert Hubbard, “Self-discipline is the ability to make yourself do what you should do, when you should do it, whether you feel like it or not.” The habit of self-discipline is closely tied to the Law of Control that we talked about earlier. As you recall, the Law of Control says that, “You feel happy about yourself to the degree to which you feel you are in control of your own life.”

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Self-discipline is the key to self-mastery and self-control. The more capable you become of disciplining yourself to do what you have decided to do, whether you feel like it or not, the more positive and powerful you will feel.

The Source of Personal Power

There is a direct relationship between self-discipline and self-esteem. The more you discipline yourself to behave in the manner that you have decided, the more you like and respect yourself. The more positive and confident you will feel. The stronger and more in charge of your life and situation you become.

Every act of self-discipline strengthens every other discipline at the same time. Every weakness in self-discipline weakens your other disciplines as well. Like working a muscle, your ability to discipline yourself to behave in the way that you have decided grows stronger each time you exercise it. This is why the happiest, most successful and most respected men and women in our society are all men and women of great self-control, self-mastery and self-discipline. And this is a habit you can learn, with practice.

Become A Lifelong Optimist

Perhaps the most helpful mental habit you can develop is the habit of optimism. Optimists are usually the happiest, healthiest, most successful and most influential people in every group and society. According to Dr. Martin Seligman, in his book Learned Optimism, people learn to become optimists by thinking the way that

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optimists think. They in effect learn to be optimists just as pessimists learn to be pessimistic. We said earlier that the greatest discovery, and the summary statement of psychology, religion and philosophy is, “You become what you think about most of the time.” What is it that optimists think about most of the time? In its simplest terms, optimists think about what they want and how to get it, most of the time. They

think about where they are going and how to get there. The very idea of thinking about what they want makes them happy and positive. It increases their energy and releases their creativity. It motivates and stimulates them to perform at higher levels. Pessimists, on the other hand, are the opposite. They think and talk about what they don’t want most of the time. They think about the people they don’t like, the

problems that they are having, or have had in the past, and especially, they think about who is to blame for their particular situation. And the more they think about the things they don’t want and who is to blame for their problems, the more negative and angry they become. The more negative they become, the faster they attract into their lives exactly those things that they do not want to happen.

Developing a Hardy Personality

There is a relatively new field of medicine called “psychoneuroimmunology.” Research in this area has concluded that the quality of your thinking has an

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enormous impact on the strength of your immune system. The habit of optimism, combined with a positive mental attitude, seems to strengthen and increase the tells in the body which are responsible for resisting and overcoming the various

factors that contribute to disease and illnesses of all kinds. Psychologists have now developed a profile of what they call the “hardy personality.” This is the man or woman who seems to respond positively and

effectively to adversity and setbacks. He or she is optimistic and forward thinking. It seems that the more optimistic you are, the stronger and more resilient is your mind and body. As a result, you will have higher levels of energy and a quicker recovery rate from fatigue. You will seldom be ill for any reason. If you catch a cold or flu, which will be rare, you will bounce back quickly as the fortified t-cells in your body quickly counter attack and eradicate the infection that is causing it.

Think About What You Want

You develop the habit of optimism by disciplining yourself to keep your thoughts and words on what you want, and off of what you don’t want. You become an optimist by thinking continually in terms of the specific actions that you can take immediately to achieve the goals that are most important to you. The busier you become working toward the accomplishment of goals and objectives that you have set for yourself, the more energy and enthusiasm you will have, the faster you will move ahead, the more you will get done, and the happier you will be. Earl Nightingale once wrote that, “Happiness is the progressive realization of a worthy ideal.” When you are working hour by hour and day by day toward the

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achievement of something that is worthwhile and important to you, your brain releases a steady stream of endorphins that gives you a feeling of happiness and well being. You feel more positive and creative. You have more energy and enthusiasm. This positive feeling acts as a reward or reinforcement that motivates

you continually to think the thoughts and take the actions that move you even more rapidly in the direction of your hopes, dreams and goals.

The Orientations of High Performance

Optimistic people think very differently than pessimistic people. They develop a series of “orientations” or general tendencies of thinking that separate them from the average person. These orientations soon become habitual ways of thinking and acting that propel them forward toward the success and happiness they desire. Like all habits, these habitual ways of thinking are learnable through practice and repetition.

As you develop the habits of thinking in these ways most of the time, you become a different person. In a way, these are the habits of “mental fitness.” Just as you would become physically fit if you went to health club and worked out with the equipment regularly, you become mentally fit, positive and optimistic, as you work out your mind practicing these orientations.

Think About The Future

The first way of thinking practiced by optimists is future-orientation. Optimists are those who develop the habit of “idealization.” In the process of idealizing, you

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take your thoughts off the present situation and you instead imagine a perfect future for yourself in your business, your finances, your family, your health or any other area. You imagine that you have a “magic wand” that you could wave and create your ideal future vision. Instead of worrying or becoming preoccupied with the details of the present moment, you ask yourself, “What would I ideally like to

be, have or do sometime in the future?” You develop the habit of practicing “back from the future” thinking. In this type of thinking, you project forward into the future to your ideal result and imagine what

it would look like in every way. You then look back to the present and ask yourself, “What would I have to do, starting today, to create the ideal future that I desire?” You develop the habit of “long-time perspective.” Instead of focusing continually on the moment, and on immediate actions and gratification, you instead think long-term about what you want and where you are going. The greater clarity you have

with regard to the results you want to achieve in the future, the better and more accurate will be your decisions in the present moment. When you idealize and practice long-term thinking, you find yourself setting much better goals and priorities in your day-to-day life.

Think About Your Goals

Goal-orientation is the second quality or way of thinking practiced by optimists and all successful people. In future-orientation, you develop a clear, ideal image of what you want to accomplish sometime in the future. With goal-orientation, you

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crystallize that image into specific, measurable, detailed goals and objectives that you will need to accomplish to achieve that ideal future vision. Successful people soon develop the habits of personal strategic planning. They sit down and make a list of exactly what they want to accomplish in the short,

medium and long term. They then use a powerful, seven-part goal setting methodology to create blueprints and plans of action that they follow every day. Once you develop the habit of setting goals and making plans for their accomplishment, it will become as natural for you as breathing. By following a

proven goal setting process, you will increase the likelihood of achieving your goals by as much as ten times, by 1000% or more. This is just not a theory; it has been proven and demonstrated on a national basis. In February 2003, USA Today reported on a study of people who had set New Year’s Resolutions the year before. They found of the people who had set New Year’s Resolutions, but not in writing, only 4% had followed through. But of those people who had written down their New Year’s Resolutions, fully 46% had carried them out. This is a difference in success rates of more than 1100%!

The Seven Step Formula for Goal Setting

There are many formulas and recipes for goal setting. As a rule, “Any plan is better than no plan at all.” Here is one of the best and most effective goal setting plans or formulas you will ever learn:

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Step One: Decide exactly what you want in a specific area and write it down clearly, in detail. Make it measurable and specific.

Step Two: Set a deadline for the achievement of the goal. If it is a large goal, break it down into smaller parts and set sub-deadlines.

Step Three: Make a list of everything that you will have to do to achieve this goal. As you think of new items, add them to your list until it is complete.

Step Four: Organize your list of action steps into a plan. A plan is organized on the basis of two elements, priority and sequence. In organizing by priorities, you determine the most important things that you can possibly do on your list to achieve your goal. The 80/20 Rule applies. 20% of the things that you do will account for 80% of your results. If you do not set clear priorities, you will “major in minors” and spend much of your time doing small and irrelevant tasks that do not help you to achieve the goal.

In organizing by sequence, you determine what has to be done before something else can be done. There are always activities that are dependent upon other activities being completed in advance. What are they, and what is the logical order or sequence?

Step Five: Identify the obstacles or limitations that might hold you back from achieving your goal, both in the situation and within yourself. Ask yourself, “Why have I not achieved this goal already?”

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Identify the most important constraint or limitation that is holding you back and then focus on removing that obstacle. It could be a certain amount of money, or a key resource. It could be an additional skill or habit that you need. It could be additional information you require. It could be the help or assistance of one or more people. Whatever it is, identify it clearly and go to work to eliminate it.

Step Six: Once you have determined your goal, developed your plan, and

identified your major obstacle, immediately take action of some kind toward the achievement of your goal. Step out in faith. Do the first thing that comes to mind. But do something immediately to start the process of goal attainment moving forward.

Step Seven: Do something every day that moves you to toward your most important goal. Make a habit of getting up each morning, planning your day and then doing something, anything, that moves you at least one step closer to what is most important to you. The habit of doing something every single day that moves you toward an important goal develops within you the power of momentum. Daily action deepens your belief that the goal is achievable, and activates the Law of Attraction. As a result, you begin moving faster and faster toward your goal, and your goal begins moving faster and faster toward you.

I have spoken to people all over the world, for many years, who have told me that the habit of taking action every day on one or more of their major goals has been

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life-transforming. They have told me that this single habit has been more responsible for their success than any other idea they ever learned. Try it for yourself and see.

Set Your Goals Each Day

One of the most important habits you can develop is the habit of daily goal setting. Countless people I have taught this to have told me over the years that the power of this process is absolutely incredible!

Daily goal setting is quite simple. Get a spiral notebook to write your goals in, and resolve to keep it nearby for the rest of your life. Each morning, before you start out, open your spiral notebook and start a new page. I always begin with the words “My goals are the following: . .” You then write down your top 10-15 goals in the present tense, as though you have already achieved them. Your subconscious mind is only activated by commands that are stated in the present, positive, personal tense. So instead of writing a goal such as, “I am going to lose weight in the months ahead,” you would write instead, “I weigh xxx number of pounds by (a specific date.)” Instead of saying, “I will earn more money over the next year,” you would say, “I earn X number of dollars by such and such a date.” The more specific you can be in terms of what you want and when you want to achieve it, expressed in the positive, present tense, and beginning with the word

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“I,” the more powerful the effect will be on your subconscious mind. Goals written and stated in this way activate the Laws of Expectation and Attraction. They cause you to develop new beliefs about what is possible for you. They activate the Laws of Emotion and Correspondence. They increase your energy and stimulate your creativity. Positive, personal, present tense goals, written down repeatedly each day, activate your subconscious and super conscious minds and step on the accelerator of your own potential. As a result, you start to move more rapidly toward the achievement of your goals and they begin to move more rapidly toward you.

Think About Excellent Performance

An important habit of thinking developed by optimists is the habit of “excellence-orientation.”

The fact is that, to achieve something you have never achieved before, you will have to develop and master one or more skills that you have never had before. By the Law of Correspondence, your outer world will always be a reflection of your inner world. If you want to change something in your outer

world, or achieve a goal that you’ve never achieved in the past, you are going to have to change your inner world in some way. Almost invariably, this requires the acquisition of a new skill or set of skills.

Here is the good news. A skill is the same as a habit of performance, and like habits, all skills are learnable. You can learn any skill you need to learn to achieve any goal that you can set for yourself. If anyone else around you has developed a key skill that has enabled him or her to be more successful, that is proof in itself

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that you too can learn and develop this skill. It is simply a matter of practice and repetition.

Identify Your Key Skills

Excellence orientation requires that you make a list of the key skills that are essential for success in your field. There are usually only about 5-7 skills, or key result areas, that determine most of the success that one achieves in any field of endeavor. Your first job is to identify these key skills and write them down.

Here is an interesting discovery. You have achieved your of success in your field today because of your talent and ability in certain key areas. But at the same time, you are being held back by your weaknesses in other areas. The rule is that your weakest key skill determines the height of your results, and your income. In other words, you could be excellent at six out of seven key result areas, but your weakness in the seventh area will determine your overall results and rewards in that job or field. You therefore ask yourself this question, ”What one skill, if I developed and did it consistently in an excellent fashion, would have the greatest positive impact on my career?” This is one of the most important questions that you ask and answer throughout your career. You must develop the habit of continually identifying and working on your weakest key skill. Bringing up your ability in this one area will usually have a greater and more immediate impact on your results than anything else you can do.

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If you do not know the answer to this question (and most people don’t), go to your boss or your coworkers and ask them, “What one skill, if I developed and did it in an excellent fashion would help me the most in my job?”

Pick Up the Pace

Sometimes I ask my audiences, “If a group of children goes for a walk, which child determines the speed of the entire group?” They will always reply and say, “The slowest child.” Exactly. Your “slowest kid” is your weakest key skill. It sets the speed at which you move ahead in your career, and determines the heights that you reach. And here is another important point. You are almost invariably weak in an area that you do not particularly like or enjoy. But the reason that you do not like or enjoy that area is

because you have not yet mastered that area. As soon as you write it down, make a plan, and develop excellence in a particular skill area, you will like and enjoy performing in that area for the rest of your career. The fact is that you could be only skill away from doubling your productivity, your performance and your income. The acquisition of one key skill where you are currently weak could make it possible for you to use all your other skills at a higher level, and accomplish more in your work than you ever thought possible. What one skill could that be?

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Decide today to develop the habit of excellence-orientation. Resolve to join the top 10% of performers in your field. Find out what you have to do, and how much you have to earn, to be in the top 10%. Set it as a goal. Make a plan, work on your plan to develop the essential skills you need every single day. In no time at all, you will be amazed at how quickly your life changes for the better.

The Pursuit of Mastery

The reason that many people underachieve in their careers is because they do not realize how long it takes to achieve mastery in any field. Extensive research in this area suggests that it requires about five to seven years of hard work for you to move to the top of your field. This means five to seven years of focused, concentrated, determined work on yourself to get better and better in the key result areas that are responsible for your results and rewards. And there are no short cuts. Sometimes people say to me, “Five to seven years is a long time to achieve mastery in my field.” This is true. But I then remind them that, “The time is going to pass anyway.” This is very important. The biggest regret that many people report is that “they did not start early enough.” But the time is going to pass anyway. Five to seven years from now, five to seven years will have passed. The only question is, “Where are you going to be five to seven years from now in your field?” The good news is that, if you set it as a goal, make a plan, and work on it every day, five to seven years from now you are going to be in the top 10% of people in

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your field. You are going to be one of the highest paid and most respected people in your career. You are going to be enjoying the great results and rewards of the top performers in your business. Remember this. Nobody is better than you and nobody is smarter than you. If someone is doing better than you, it just means that they started work on themselves in a certain way earlier than you did. And whatever anyone else has done, you can do as well. There are no limits except the limits you place on yourself with your own thinking. The very fact that others have been able to excel in a field, after having started off in that field with no experience or skills, is proof that you can excel in that field as well. Your job is to put your head down, get busy, and go to work on yourself. Resolve today to develop the habit of personal excellence, and focus all your energies on joining the top 10% of professionals in your field. Once you do that, your entire future will open up in front of you. You will become unstoppable.

Commit To Lifelong Learning

Another key habit of thinking and acting practiced by top people is growth orientation. It is the high road to excellent performance and essential to developing the habit of optimism. This method of thinking and living is the foundation of excellence orientation, and is essential for you to develop if you want to move into the top 10% of your field.

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Growth orientation requires that you develop the habit of continuous learning, the habit of continuous personal and professional development. Just as you exercise physically on a regular basis to remain fit and healthy, you must exercise mentally on a daily basis to become better and better in your chosen field.

Increase Your Income 1000%?

productivity, performance and output each year. Almost anyone who dedicates himself to continuous personal growth and learning can upgrade his performance and productivity by 26% each year. An improvement of 26% each year, compounded year by year, means that you will double your

productivity, performance and output in 2.7 years.

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Are these kind of results possible for you? Of course they are! The Law of Cause

and Effect says that if you do what other successful people do, you will eventually

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get the same results other successful people get. This is not a wish or theory. It is a

universal law. The law itself is neutral. It works for everybody, everywhere.

Three Steps Onto the Fast Track

There are three parts of the continuous learning process. By practicing these activities daily, weekly and monthly, you will increase your productivity, performance and output by 1/10th of 1% per day, compounded. You will eventually become one of the highest paid and most successful people in your field. There are no exceptions.

Step One: Arise early each morning and read for 30-60 minutes in your field. Underline and take notes. Think of how you can apply what you are learning to your day-to-day work. Throughout the day, think of how you can use what you read to be more effective. At the end of each day, review the day based on your new knowledge and skills and evaluate your results and progress. There is an important psychological principle called the “Hawthorne Effect.” In short, what this principle says is that, “The very act of paying attention to a particular behavior causes you to improve your performance in that area.”

For example, if you decided that you were going to develop the habit of listening more closely to people when they spoke, and interrupting less, the very act of thinking about listening would cause you to become a better listener.

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If you decided that you were going to focus on punctuality each day until you developed punctuality as a habit, the very act of thinking about being more punctual would cause you to become more punctual in your personal and professional life. The more you think about a behavior, the better you will become

in that area. When you read in your field for 30-60 minutes each day, and think throughout the day about how you could apply what you have learned, you will tend to become better and better at what you do, both consciously and unconsciously. The improved results you get will accumulate and compound over time. You will become better and better at what you do almost without being aware of it.

A College Degree Each Year

If you read 30-60 minutes each day, this will add up to about one book per week. The average American reads less than one book per year. If you read one book per week, this will add up to about 50 books each year. As it happens, to earn a Ph.D. from a major university requires the reading and synthesis into a dissertation of about 40 to 50 books. If you were to read one book per week, 50 books per year, you would be getting the equivalent of a practical PhD in your field each year. If you continued reading

at this level, 50 books per year, you would read 500 books in the next 10 years. If you were to read 500 books in your field, in a world where the average person reads less than one book per year, do you think that this might give you an edge?

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The fact is that you would become one of the best read, most knowledgeable, most expert and highest paid people in your field if you were simply to develop the habit of reading each morning in your field for 30 to 60 minutes. I have never met anyone, anywhere, throughout the world, who has not transformed their lives and their careers by the habit of daily reading. You must discipline yourself to leave the television or radio off, to put the newspaper aside, perhaps to arise a little earlier in the morning, so that you can invest in your mind. This investment will give you one of the highest pay-offs in terms of results, rewards and satisfaction that you will ever enjoy from anything that you do.




Learn From The Experts

The second habit that you need for growth orientation is the habit of attending every seminar and course you possibly can. Do not make the mistake of waiting for courses and seminars to come to you, or waiting for your company to organize and pay for additional training. You are completely responsible for your own life, which includes your own personal and professional development. No one cares as much about your future and your career as you do. No one cares about your ability to increase your income and move into the top 10% of your field as much as you do. You are responsible

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attend a seminar or workshop given by an expert or specialist in their field. They will invest enormous amounts of time and money to acquire the additional specialized skills they need to move ahead more rapidly in their field. Over and over, my students tell me that they have sometimes saved themselves

years of hard work as the result of attending a single program. Some of them have even gone to the top of their fields and become millionaires as the result of learning one new set of skills that was relevant and immediately applicable to their field. There is something remarkable that takes place in an adult learning situation. It is very different from attending a required course in college or university. The type of people who attend adult seminars are a much higher caliber than you meet in your day-to-day life. They are more positive, more highly motivated, have bigger and better goals, and are more determined to succeed. When you spend several hours in their company, it has a subtle but powerful subconscious effect on you. You

actually become a better and more focused person by the very act of associating with other successful people in an adult learning situation or seminar. Make it a habit to seek out and attend at least four seminar programs per year in your field. If your organization has annual or national conventions, be sure to attend. Eagerly seek out and sit in on the most important talks and lectures at each of these workshops or annual meetings. Sometimes, one good idea from an expert in your field can transform your entire career.

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Your University on Wheels

The third habit you need for growth orientation is the habit of listening to audio programs in your car as you drive around, and as you walk or exercise. Audio learning is considered by many to be the greatest breakthrough in education since the invention of the printing press. And I agree. I discovered audio learning at the age of 23. I was frustrated, working long hours and broke. When I began to listen to audio programs on a portable cassette player that I carried around with me, like a purse, my life transformed in a way that I never thought possible.

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Reid Buckley, the professional speaker, once said, “If you are not continually learning and upgrading your skills, somewhere, someone else is. And when you meet that person, you will lose.”

The Race Is On

There is a race on today, and you are in it, whether you know it or not. If you have not yet developed the habit of reading each day, attending seminars and courses regularly and listening to audio programs in your car as you move around, somewhere, someone else is doing this. Inevitably, that person will win the race, and you will lose. The good news is that an average person, who develops the habit of lifelong

learning, will eventually run circles around a genius who goes home and watches television each night. There is perhaps no habit that will more guarantee your success in life than the habit of continuous personal and professional improvement.

The pay-off in improved results in your field will be tremendous. But the best payoff of all is that you will become more positive and optimistic. You will have more

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energy, be more creative and be a happier person as you continue to grow and grow toward the realization of your full potential. The habit of continuous learning enables average people to become top performers

in their fields. It enables people to go from rags to riches. It enables people to rise from poverty and frustration to affluence and success. Continuous learning opens every door for you. It increases your intelligence and creativity and puts you onto the fast track in your career. Continuous learning, like nature, is neutral. Anyone can use it to accomplish extraordinary things in life. It is one of the best habits you can ever develop, and the pay-off from continuous learning will last you all the days of your life.

You Determine Your Own Destiny

Each person is essentially self-made. The person you are may have been determined by your childhood experiences. But the person that you become, the person that you may be, is completely under your own control. The great principle, that “You become what you think about most of the time” refers to what you are thinking today, at this very moment. It is not your thinking of the past, or your thinking in the future, that determines the course of your destiny. Everything you are, and everything you will be, is determined by the thoughts that you think at each moment. And you can take complete control of those thoughts at any time you decide to. You become an optimist by taking control of your inner dialogue, your self-talk.

Resolve today to develop the habit of talking to yourself in a positive way. Say

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things to yourself like, “I like myself!” Say, “I can do it!” over and over again. If someone asks you how you are feeling today, always reply by saying “I feel terrific!” When you think about your job, repeat to yourself, “I love my work! I love my work!” Fully 95% of your emotions are determined by the things you think and the words you say to yourself as you go throughout your day. Use your self-discipline and

self-control to think and talk about the things you want, rather than allowing your mind to become preoccupied with the things that you don’t want, or with your doubts and fears.

What You See Is What You Will Be

The most powerful affirmation or message that you can send from your conscious mind to your subconscious mind is a visualization or mental image. Develop the habit of creating clear, positive, exciting pictures of yourself performing at your best, and of your goals as if they were already achieved.

Each time you create a mental image in your conscious mind, you send a message that activates your subconscious mind, triggers the Law of Attraction, stimulates your creativity, and moves you toward the realization of that mental picture in your external world. Positive, successful people make a habit of continually visualizing the outcomes that they desire, thereby programming their subconscious minds and shaping their self-image and their external performance.

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But best of all is when you combine positive self-talk with positive mental imaging. You talk about the things you want and you create exciting mental pictures of your goals and desires as if they already existed in your reality. Positive thoughts and words make you more optimistic, give you more energy, enable you to bounce back faster from disappointment and keep you moving forward throughout the day.

Feed Your Mind With Mental Protein

Develop the habit of feeding your mind with positive mental food, as well. Remember, you are very susceptible to the suggested influences in your environment, whether radio, television, newspapers, magazines, billboards or conversations with other people. Your mind is your most important and precious

asset. You must protect it and keep it clean, clear and focused on what you want, rather than allowing it to be polluted by the negative influences around you. Refuse to watch terror or trash on television. Refuse to read about all the murders, robberies, rapes and tragedies in the newspapers. Refuse to listen to endless hours of mindless radio commentary on all the problems in the modern world. Refuse to engage in endless conversations with people about all the political and social problems in your nation or community. Keep your mind clean, clear, positive and free. Not only do you become what you think about, but also you become what you feed into your mind on a regular basis. If you want to be positive, optimistic and happy,

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continually feed your mind with positive books and articles, positive audio learning programs, positive input and information from other experts in your field, and positive conversations with other optimistic goal-oriented people who are going somewhere with their lives.

Get Around The Right People

Make it a habit to only associate with the kind of people that you like admire, respect and want to be like. Do not drink coffee with whoever is sitting there. Do not go out for lunch with whoever is standing at the door. Do not socialize after work with whoever invites you. Be very conscientious and clear about the kind of people that you are going to allow to influence your thinking and feeling by their conversations and opinions. Dr. David McClelland found that fully your “reference group” would determine as much as 95% of your success or failure in life. These are the people that you habitually associate with and consider yourself to be one of. These can be members of your family, your coworkers, members of your political party, church or social organizations. The fact is that, “Birds of a feather flock together.” Or as Zig Ziglar

says, “You can’t fly with the eagles if you continue to scratch with the turkeys.”

Take Action on Your Goals and Plans

Finally, in becoming everything that you are capable of becoming, develop the habit of action orientation. In every study of successful people, in virtually every

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field, the quality of action orientation emerges as the most outwardly identifiable quality of people who are going somewhere in their lives and careers. Action orientation means that you develop the habit of moving quickly when you have an idea or opportunity. You think continually in terms of the specific actions that you can take now to move closer to achieving a goal or getting a result that is important to you. Instead of talking endlessly about what you are going to do in the future, you act immediately to do something in the present.

Winners and Losers

The American Management Association reported on a study of managers who had been divided into two groups, those whose careers has flattened out and those whose careers were moving upward and onward at a rapid rate. They interviewed both groups to try to determine the differences that accounted for their relative levels of success and failure. What they finally concluded was that it was not education, experience, background, networking or intelligence. The critical difference between success and failure was contained in the habit of taking the initiative. Managers and executives who were on the fast track were constantly moving out of their comfort zone and taking the initiative to try new things in new areas.

On the other hand, managers who were being continually passed over for promotion were continually waiting for someone to come along and tell them what to do. Once they had been given clear instructions, they seemed to be quite

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competent at carrying out their responsibilities. But the idea of initiating in the first place was alien to them.

You Can Do It

Once you have defined your ideal future, set and determined your goals and plans, developed a strategy for achieving excellence in your field, and committed yourself to continuous learning, develop the habit of moving quickly and taking the initiative in each area of your life that is important to you. Instead of waiting for things to happen, develop the habit of making things happen. Instead of waiting for things to get better, take the initiative to change or improve whatever situation you find yourself in. It is not easy to change your entire way of thinking and become an extraordinary person as the result of your own efforts, and your own work on yourself. But it is definitely possible, when you accept complete responsibility and take full control over the evolution and development of your own character and personality. The most important part of this chapter, and this book, is action. It is not what you read or learn, but the specific actions that you take. Researchers have found that there is a direct relationship between how quickly you take action on a new idea, and how likely it is that you will ever take action on any idea at all. The very act of moving quickly in one area seems to develop the habit of moving quickly in other areas.

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If you have learned something that is important to you in this chapter, or if you have an idea about something that you can do immediately that can improve some part of your life, resolve to take action on it immediately. Do it now. Develop a sense of urgency. Hurry. Resolve to become known as the kind of person who moves fast on any new idea or possibility. This can be one of the most important habits you ever develop.

Action Exercises:

1. Select a result, outcome or success you would like to have in your life, and then decide upon the one habit that could help the most to achieve that goal;

2. Develop the habit of future-orientation by thinking and imagining your ideal future in your business or personal life, and working toward it;

3. Develop the habit of goal-orientation by selecting one main goal, making a plan for its accomplishment, and then working on it every day;

4. Develop the habit of excellence-orientation by selecting one key skill that would help you more than any other, and then working on becoming better in that area every day;

5. Develop the habit of continuous learning by reading, listening to audio programs and attending seminars as a normal and natural part of your life;

6. Develop the habit of writing and rewriting your goals in a spiral notebook each morning before you set out;

7. Develop the habit of action-orientation by taking the initiative, by daring to go forward, by moving quickly on opportunities, or to solve problems.

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“If you can win complete mastery over self, you will easily master all else. To

triumph over self is the perfect victory.” (Thomas A. Kempis)

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Chapter Five

The Habits of People Who Become Millionaires

“The beginning of a habit is like an invisible thread, but every time we repeat the act, we strengthen the strand, add to it another filament, until it becomes a great cable and binds us irrevocably in thought and act.” (Orison Swett Marden)

Your goal should be to earn as much money as you possibly can over the course of your career, to achieve financial independence and to eventually become a millionaire. This is the most common financial ambition of Americans, and it is eminently achievable if you develop the right habits. Fortunately, becoming a millionaire has never been more possible in all of human history than it is right

now, today, here in America, under our economic system.

Five Million Millionaires

In the year 1900, there were only 5,000 millionaires in America. By the year 2000, there were more than five million millionaires. In addition, there were decimillionaires, cent millionaires, and more than 300 billionaires and multibillionaires. Almost all of these millionaires and billionaires are first generation

wealth, that is, they began with nothing and accumulated their fortunes in the course of a single working lifetime. Millionaires come from every conceivable background. Some are well educated, and some are not. Some graduated from the finest universities. Others dropped out

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of high school. Some come from families that have lived in America for many generations. Others came to America as immigrants with no friends or contacts, no skills and not even the ability to speak English when they arrived. They all had one thing in common. They started with nothing and passed the magic million-dollar mark as the result of doing certain things in a certain way, over and over again. They learned and practiced the Million Dollar Habits that we are explaining throughout this book. Self-made millionaires have been interviewed and studied exhaustively, hundreds and even thousands of times, both individually and in groups. Some of the very best research on millionaires was conducted by Thomas Stanley and William Danko and summarized in their book The Millionaire Next Door, which has gone

on to sell almost three million copies. Every newspaper and magazine seems to have an article or story about one or more men or women who have become financially successful in different fields and

occupations as the result of doing certain things in a certain way. And what others

have accomplished, you can accomplish as well, if you just learn how.

Think Like A Millionaire

I wrote earlier that, “You become what you think about most of the time.” If you sincerely want to be rich, to achieve all your financial goals and to retire as a self-made millionaire, one of the smartest things you can do is to develop the habits of thinking and acting that have enabled hundreds of thousands, and even millions of

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other people to become millionaires. These habits of financial success are learnable, as all habits are, by practice and repetition. The first discovery about the thinking patterns of self-made millionaires is that

they have the habit of thinking in terms of financial independence most of the time. From an early age, or at a certain point in life, they become focused on achieving specific financial goals. They then discipline themselves to make whatever sacrifices are necessary to achieve those goals. They organize and reorganize their entire financial lives, their earning, investing, insuring and spending activities, in such a way that they are all coordinated and helping them move toward hitting those specific financial targets.

Accumulate or Spend

Most people have the opposite habits with regard to money. Instead of thinking in terms of accumulation, saving and financial independence, the majority of people think of spending and enjoying every penny they can get their hands on, and whatever else they can borrow from friends or put on credit cards. In 2002, almost 1.5 million Americans declared personal bankruptcy as the result of borrowing and

spending far more than they could ever repay. At a certain point in life, each person comes to a crossroads. One road leads in the direction of earning, saving and accumulating, while the other road leads in the direction of earning, spending and getting into debt. As a fully responsible adult,

you must decide which road you are going to take. And no matter what road you

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have taken up until now, you are free to choose the road that you are going to follow from this day forward.

Take Charge of Your Financial Life

The starting point of achieving financial independence and becoming a self-made millionaire is for you to accept complete responsibility for your financial life. Many people never do this. They instead go through their days, and their money, trusting to luck, with the idea that somehow, sometime, someone else will come to the rescue. They buy lottery tickets, gamble and think about making a killing in the stock market. And they worry about money all the time. The fact is that serious money is long-term money. Most wealthy people organize their financial lives in such a way that their net worth increases about 8-10% per

year on the amount of money that they have working. They do not look for get rich- quick schemes or easy money. They are patient, persistent and farsighted. They discipline themselves to save and accumulate money over many years. They do not speculate, take risks, or look for fast ways to make money quickly and easily. As a result of these habitual ways of thinking about their money, each year

their wealth grows. Eventually they pass the million-dollar mark, and usually keep on going.

Develop A Millionaire Mindset

The business philosopher Jim Rohn once wrote, “Becoming a millionaire is not that difficult, but it is not the most important thing. The most important part of

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becoming a millionaire is the person that you have to become to accumulate a million dollars in the first place.” This is a wonderful insight. In order to become wealthy, you must develop a completely different mindset from the average person who worries about money most of his life. You must develop a completely different character, personality and set of habits if you are to achieve your financial goals, and then hold onto the money once you acquire it. My financial advisor once told me, “The first million is extremely difficult to acquire, but the second million is almost inevitable.” When you become the kind of person who can earn and accumulate a million dollars or more, you will also be the kind of person who can earn the second and third million as well. Even if something unfortunate happened, and you lost all

your money, you would be able to make it back again fairly quickly because you would have become the kind of person who can become a millionaire. And once you become that kind of person, you never lose it.

The First Habit Of Millionaires

Perhaps the most easily identifiable habit of self-made millionaires is the habit of frugality. Wealthy people are careful with every penny and every dollar. They allocate their funds carefully and with great deliberation. They never buy new when they can buy used. They never buy if they can lease, and they never lease if they can rent. They never rent or lease if they can borrow. They know that, as the

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English saying goes, “If you take care of your pennies, the pounds will take care of themselves.”

For example, most self-made millionaires do not buy new cars. They wait until a good quality car is about two years old before they buy it. Even then, they have the car thoroughly checked out by a reputable mechanic. Once they feel confident that it is an excellent buy, in good condition, they buy the car and then they drive it for five or ten years before replacing it. Most new cars drop 20% in value as soon as you drive them off the lot. After two years, many cars have lost 30% – 50% of their value. They are still in excellent  condition, and often they are still covered by factory warranties. When you buy a good quality used car, you can save many thousands of dollars, all of which can be saved and invested and allowed to grow at compound interest toward your ultimate goal of financial independence.

Save Your Money

Self-made millionaires develop the habit of regular saving and investment from an early age. As the multimillionaire W. Clement Stone once wrote, “If you cannot save money, the seeds of greatness are not in you.” George Classon, in his best seller, The Richest Man In Babylon, wrote that the key to financial success is to “pay yourself first.” He recommends that you save at least 10% of your income, off the top, before any other expenditure, for the entirety of your working life.

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Human beings are creatures of habit. We very quickly adapt to almost any external condition or circumstance. If you save 10% off the top of your paycheck, and discipline yourself to live on the other 90%, you will soon adjust your lifestyle downward slightly so that you are quite comfortable on the lesser amount. In no time at all, living at this level becomes a habit and you stop thinking about it. Many people are deeply in debt and the idea of saving 10% of their income, off the top of each paycheck, is too difficult for them even to consider. In this case, which is quite common, I recommend a gradual process where you begin by saving 1% of your income and living on the other 99%. For example, if you are earning $2000 per month, make a decision today to save $20 per month, or 67 cents per day. You can then live on the other $1,980. Go down to the bank and open up a separate account, your “financial

independence” account. Money that goes into this account only flows only one way- inward. Once you put money into this savings/investment account, you never, ever take it out or spend it for any reason. It has only one purpose: to enable you to achieve financial independence as soon as possible. Once you have become comfortable living on 99% of your income, increase your monthly savings rate to 2% off the top. Within one year, you will find yourself living quite comfortably on 10% of your current income. Continue this process until you are saving 15% and then 20% of your income, off the top. You will not

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even notice the difference in your standard of living because it will be so gradual. But the difference in your financial life will be absolutely extraordinary.

Take Complete Control of Your Financial Life

By developing the habit of thinking more carefully about your income and savings, you will soon find yourself spending less and less on your day to day expenses. You will find yourself paying down your debts, and not incurring new debts. You will find yourself delaying or deferring expenditures, and finally not even buying those items at all. Meanwhile, the habit of saving money out of every paycheck will cause your financial fortress account to grow. In a year, you will have a few hundred dollars. In a couple of years, you will have a few thousand dollars. In ten to twenty years, you will have a several hundred thousand dollars. As your financial accumulation account grows, develop the habit of adding every

additional, unexpected amount of money that comes to you to this account, to make it grow faster. If you sell something from around the house, get a bonus at work, or receive an income tax refund, instead of spending it immediately, as unsuccessful people do, instead put it into your financial fortress account.

Activate the Law of Attraction

Here is an extraordinary discovery. When you begin to save money, and you feel positive and happy about your growing account, these positive emotions imbue

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that money with a form of energy that begins to attract more money into your life, and into that account. Old friends will pay you back debts that you had forgotten a long time ago. You will have opportunities to earn additional amounts of money that had not occurred to you. You will sell things that you had had for a long time that you thought had no value. And as you add these amounts to your account, your

account will develop even more positive energy, and attract even larger amounts of money. I had heard about this concept for many years, but I was always broke and there was never anything I could do about it. Then, about two years after I got married and started my own business, I ran out of money. I had been able to buy a house with my lifetime of savings, but now I had to sell the house to get the cash, and

then move to a rented house. At this point, my wife Barbara demanded that I turn over to her $10,000 from the proceeds from the sale of the house. After some arguing I gave in. She took the money and deposited it in another bank account to which I did not have access. No matter how many financial problems we had in the months ahead, she refused to even consider the possibility of spending that money. This was her security blanket. The most remarkable thing happened. From that day forward, we were never broke again. Even though it was the midst of a recession and businesses were going

bankrupt all around us, we were never again out of money. Every week, every month, business came in, the bills were paid, opportunities opened up and exciting possibilities seemed to be attracted into our lives. Within a couple of years, we

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were able to move out of the rented house and buy a beautiful new home in a lovely neighborhood. Two years later, we were able to buy a home that cost five times as much on a beautiful golf course, overlooking two lakes with the ocean in the distance.

Learn to Love Saving Your Money

In Chapter One, we described habits as “conditioned responses to stimuli.” With

regard to this, there is a special habit that financially successful people learn or develop over time. It is the habit of responding to incoming money in a particular way. When we are growing up, we are encouraged to save money from our allowances. However, as children, we look upon money as a tool with which to buy candy, toys and other things that make us happy. As a result, we naturally begin to look upon saving as a punishment, something that hurts us and deprives us of the candy, toys and enjoyable things we desire. At an early age, most people begin to associate savings with pain, with sacrifice, with loss of pleasure, satisfaction and happiness. As adults, this negative habit is manifested in our desire to spend money as soon as we make it. Many people in their late teens and twenties look upon every paycheck

as an opportunity to go out and spend as much money as they can. This is why it is generally known in the restaurant business that they will be the fullest at the middle and at the end of the month, on paydays.

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People very early begin to associate spending with happiness and saving with pain. Since the basic human motivation is to move away from pain toward pleasure, from discomfort toward comfort, and from dissatisfaction toward satisfaction, most people develop the habit of associating spending with enjoyment and saving with unhappiness.

Rewire Your Thinking

Your job is to reverse the wiring on this habit. It is to detach the wires from one set of attitudes and reattach them with a different set of attitudes. Your job is to begin thinking in terms of pleasure whenever you think of saving and accumulation, and pain whenever you think of spending and getting rid of your money. The Law of Emotion says that, “Whichever emotion you dwell upon will grow, just

as a fire would if you put more fuel upon it.” The more you think about the pleasure and enjoyment that you get from seeing your financial fortress account growing, the more motivated you will be to spend less, save more, and grow that account. In no time at all, at the end of each month, instead of worrying about the amount of money you have relative to your bills and payments, you will instead be reviewing the amount of money that is accumulating in your bank account. Most people who become financially successful develop the habit of thinking in terms of the pleasure and satisfaction they get from saving, investing and growing their money. Most financial failures on the other hand get most of their pleasure

out of thinking of ways they can spend their money as quickly as they acquire it.

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Look Rich or Be Rich

Thomas Stanley and William Danko, in The Millionaire Next Door, explain that most self-made millionaires drive used cars, live in average neighborhoods, wear average priced clothes and watches and are very careful with their money. In addition, very few of them buy boats, recreational vehicles, second homes, personal airplanes or invest in expensive vacations. Stanley and Danko point out that there are “Those who look rich, and those who are rich.” Your job is to be one of those people who are genuinely rich, rather than those who spend a lot of money but who have very little in the bank. Truly wealthy people develop the habit of “getting rich slow” rather than “getting rich quick.” To assure this, they have two rules with regard to money. Rule number one: Don’t lose money. Rule number two: If ever you feel tempted, refer back to rule number one, “don’t lose money.” People who become wealthy spend much more time thinking about their finances than people who remain poor. The average adult spends 2-3 hours each month studying and thinking about their money, usually at bill paying time. The average self-made millionaire, by contrast, spends 20-30 hours per month thinking, studying and planning his finances. Since the very act of focusing on your money will dramatically improve the decisions you make with regard to it, people who invest more time planning their finances invariably make better decisions and get

better results.

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Practice Wedge Theory to Become Rich

Here is an excellent technique that you can use that I teach in my “Financial Success Seminars.” It is what I call “Wedge Theory.” It is guaranteed to make you financially independent faster than you can even imagine. Parkinson’s Law says that, “Expenses rise to meet income.” This means that, because your income increases gradually, your expenditures increase gradually as well to match your income. No matter how much money you make, your expenses eventually arise to consume it all, and a little bit more besides. Over time, you develop the habit of always spending whatever you earn or receive.

Sometimes I ask my audiences this question, “If I could wave a magic wand and double or triple your income, would that solve your financial problems?” Then I wait and watch their faces. Almost immediately, people raise their hands, smile and nod. They all agree that if they could double or triple their current incomes, that would solve all their financial problems. Then I ask a follow-up question, “Going back to what you earned in your first job, is there anyone here who has already doubled or tripled their income?” After a short pause, virtually everyone in the audience raises their hands. Everyone

has already doubled and tripled their incomes from their first jobs. Many have increased their incomes five and ten times from the first job they took when they left school. And it hasn’t done a bit of good. They still have financial problems

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because they have become subject to Parkinson’s Law, “Expenses rise to meet


Save Half of Your Future Increases

Here is how “Wedge Theory” works. When you ask a person to save a certain amount out of their current income, they will almost always agree that it is a good idea, but they will also claim that it is not possible. To save out of your current income will mean reducing your standard of living. It may mean moving to a

smaller place, driving a smaller car, eating cheaper foods, or not going out as often. Since human beings are creatures of habit, even if they can mentally agree that saving is a good idea, the actual reduction in living standards that it requires is so unacceptable that they are not able to discipline themselves to take the first step. In wedge theory, it is different. Instead of cutting back on your current lifestyle, you resolve to save 50% of every increase you receive from your work from this day forward. This is something you can do because you don’t yet have the money built into your daily way of life. It is much easier for people to commit to saving money that they have not yet received than it is to get people to agree to save

money by cutting back on their current standard of living. By practicing some of the other techniques and methods taught later on in this book, you will be able to increase your income by 5%, 10% and even 25% per year. To become wealthy, you must develop the habit, starting today, of saving fully 50% of these future increases. You can still spend the other 50% on whatever

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you like, but you must agree to save half of the money that you don’t even have yet. This should not be hard for you. Depending upon your age, and the rate at which your income grows, by saving 50% of your increases in the years ahead, you will soon acquire an enormous amount of money. And the more money you acquire, the more money you will attract to yourself. By disciplining yourself and developing the habit of saving half of your increase for the rest of your career, you will pay off all your debts, build an

enormous financial fortress and eventually become financially independent.

Develop the Habits of Wealthy People

With regard to your growing bank account, millionaires develop a series of other habits to assure that they don’t lose money, and that their money grows steadily over time. One of the best habits you can develop is the habit of getting good financial advice before you do anything with your growing account. Ask around and find a financial advisor who is already financially successful by investing his or her personal money in the areas that he or she recommends to you. Your ability to choose excellent financial advisors can be the critical factor in making good investment decisions. Develop the habit of investigating before you invest in anything. The rule is, “Spend as much time investigating the investment as you spend earning the money that you are thinking of investing.”

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Fast financial decisions are usually poor financial decisions. Develop the habit of taking your time, of moving slowly, of finding out every detail of the business or investment before you ever think of writing a check. Never allow anyone to pressure you into an investment decision. Never allow yourself to feel that a financial investment decision is urgent and must be made immediately. A wealthy man I worked for once told me, “Investments are like buses; there will always be another one coming along.” Sometimes, the best investments are the ones you never make at all. Make a habit of thoroughly understanding the investment before you ever think of parting with your hard earned money. If there is anything that you do not understand, or which seems too complicated for you, do not put your money in that area at all. Warren Buffet, one of the richest men in the world as the result of his investing acumen, refused to invest in any of the high-tech or dot com companies during the

boom of the 1990’s. Everyone accused him of being out of step and old fashioned. He simply replied that, “I don’t understand these businesses and therefore, I will not put any of my money into them.” He turned out to be right, and all the others turned out to be wrong.

Never Trust to Luck

An important habit for financial success is the habit of insuring properly against any risk that you cannot write a check to cover. It is amazing how many people have spent years accumulating money and then lost it all because they did not have proper insurance policies in place. Develop the habit of using what I call “worst

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possible option” (WPO) thinking. Always ask yourself, “What is the worst

possible thing that could happen in this situation?” Whatever it is, make provisions to ensure or guard against it. Never trust to luck. Hope is not a strategy. Wishing is not a strategy. Only careful planning, organizing and insuring constitute a strategy for your financial life. Be sure that you have sufficient life insurance to cover your family and all their financial needs if something should happen to you. Be sure that you have adequate fire and damage insurance for your home. Check and upgrade your policies on a

regular basis to make sure that they cover “replacement value.” Insure your automobiles for damage and liability. Be sure to have adequate health insurance that covers you for any emergency, and for long-term care. No one likes to spend money on insurance, but it is one of the smartest things that you can possibly do on your road to financial independence. By insuring properly, you will never be caught off guard by an unexpected accident or emergency. An additional benefit of being fully insured is that it gives you a feeling of calm confidence that allows you to think more clearly and be much more effective in everything else you do.

Cover Your Assets

As you begin to accumulate money, develop the habit of protecting your estate from unnecessary taxes and frivolous lawsuits. Invest in the services of a lawyer

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who specializes in wills and estate planning. Set up a family limited partnership, under the direction of a good lawyer, and transfer your assets into the partnership so that they cannot be seized in a lawsuit, or taxed away if something were to happen to you. As the old saying goes, “A stitch in time saves nine.” Small actions that you take in planning, investigating and insuring your assets can save you an enormous amount of money on your road to financial independence.

Do Your Homework

In addition to the habits discussed above, another important habit that wealthy people develop is the habit of carefully considering every expenditure before they make it. This involves getting as much information as possible on the various prices and costs involved in any financial decision. The power is always on the

side of the person with the best information. Develop the habit of negotiating more effectively to get higher prices when you sell and lower prices when you buy. A good negotiator can save or gain 10%, 20% and more on every financial transaction. Each dollar saved or gained is additional money that you can put away to accumulate and grow in your financial fortress account. Develop the habit of asking for higher prices when you are selling and asking for lower prices when you buy. Ask for lower interest rates. Ask for better terms and conditions. Ask for immediate payment when you sell and ask for deferred

payment when you buy. Ask repeatedly. Ask pleasantly. Ask courteously. Ask

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expectantly. Ask confidently. But don’t be afraid to ask. Ask for what you want, and if you don’t get it, ask for something else.

Get Rich Slowly

When people make a lot of money quickly, as the result of success in the stock market, a business breakthrough, a show business success or an invention, the story gets into the newspapers and magazines. But this is precisely because great financial success in a short time is so unusual. Most great fortunes are built slowly. They are based on the principle of compound interest, what Albert Einstein called, “The greatest power in the universe.” In fully 99% of cases where people become wealthy, it is over a long period of time, and it is based on slow, incremental growth as the result of compound interest. Every dollar that you save, properly invested and protected, has the ability to grow 5% – 10% each year. As your money grows, it compounds on itself, and grows even more. According to Stanley and Danko, it takes the average millionaire 22 years to accumulate a million dollars from the time he gets serious about his

financial life. They get rich slowly, by gradually increasing their earning ability, saving more and more from their income, and investing it carefully and intelligently so that it grows and compounds over the years. You must do the same.

The Pursuit of Happiness

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The philosopher Aristotle concluded, in his Nicomachaen Ethics, “The ultimate end or purpose of all human life is the achievement of personal happiness.” Becoming financially independent as the result of developing Million Dollar Habits is a great goal in itself, but it is not the most important thing. It is the person that you have to become, in terms of courage, character, thoughtfulness, and persistence that is most important. As the result of becoming financially successful over a long period of time, you will feel truly happy and satisfied with yourself, and with every other part of your life. This is the most worthwhile goal of all.

Action Exercises:

1. Make a decision today that you are going to accumulate more than a million dollars in the years ahead. Write it down as a goal, make a plan, and then do something toward achieving it every single day.

2. Conduct a complete financial analysis on your life; determine your net worth, your income and expenses, and your future possibilities.

3. Open a special financial fortress account and begin putting money into it at every opportunity; never spend this money on anything except investing and growth.

4. Get your financial life organized, with proper estate planning and insurance, with a family limited partnership to protect your assets.

5. Begin saving a fixed percentage of your income each month; practice the wedge theory and save 50% of every increase from this day forward.

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6. Investigate before you invest; learn every detail of the business, and be sure you thoroughly understand how your money is to be used and how it will be


7. Practice frugality in all expenditures; never buy new if you can buy used, never pay full price if you can negotiate something better, delay all major expenditures until you have had ample time to think about them. “Go out and buy yourself a five-cent pencil and a ten-cent notebook and begin to

write down some million dollar ideas for yourself.” (Bob Grinde)

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Chapter Six

The Habits That Get You Paid More and Promoted Faster

“The individual who wants to reach the top in business must appreciate the might of the force of habit – and must understand that practices are what create habits. He must be quick to break those habits that can break him – and hasten to adopt those practices that will become the habits that help him achieve the success he desires.” (John Paul Getty) Confucius once wrote, “He who would rule must learn to obey.” The most successful executives, entrepreneurs and managers are usually excellent as employees on their way up. They learn or develop the habits that enable them to make a significant, valuable contribution to their companies and organizations, and as a result, they get paid more and promoted faster than the people around them. This should be your goal as well. Most self-made millionaires are entrepreneurs who start and build their own successful businesses. But many self-made millionaires are salespeople and executives of successful businesses who do an excellent job, make an excellent contribution and get paid extremely well, both in the form of cash and stock. Only about 1% of the population has the temperament and combination of abilities necessary for successful entrepreneurship. But fully 99% of the population has the ability to work well in a specific job or occupation. Since you will probably spend 95% of your life working for someone else, on average, it is absolutely essential

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that you learn how to make yourself valuable, and then indispensable. This is the key to your success at work.

Your Choices Are Unlimited

There are an unlimited number of things that you can do to earn a good living and to achieve financial independence. You must develop the habit of thinking about the work that you would most love to do. Instead of accepting whatever job or position comes along, you should be continually thinking about

your ideal job, exactly as if you could design it personally in every respect. The highest paid and most successful people in our society do what they love to do, as much of the time as they possibly can. You should continually be standing back, examining yourself objectively, and then practicing the habit of focusing on your special talents and abilities. Each person is born with the ability to do one or more things in an exceptional fashion. Just as you have multiple intelligences, you have multiple abilities as well. You will only really be happy and successful when you find the kind of work that taps into the unique talents you have today, or which you can develop tomorrow.

The Ideal Job For You

Dr. Victor Frankl, the founder of Logotherapy, wrote that there are four types of jobs that you can do. The first of these jobs are hard to learn and hard to do. This

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type of work would include a task like accounting or bookkeeping for a person who has no natural skill in that area. It would be hard to learn, and no matter how many years you did it, it would be hard to do. Many people find themselves in jobs or careers where they are mismatched in terms of their natural abilities and what the job requires. Their work is always hard and seldom satisfying. Don’t let this happen to you. The second type of job that Frankl identified was a job that was hard to learn but easy to do. This may be a skill like typing with a keyboard or flying an airplane. It takes tremendous dedication and concentration to learn, but once you have mastered it, it is quite easy to do, hour after hour. Unfortunately, this type of job can become boring and unchallenging over time. It seldom causes you to stretch your capabilities and grow your talents. The third type of job you might find yourself in is a job that easy to learn but hard to do. Physical labor falls into this category, like digging a ditch. It’s easy to learn to do a physically difficult job, but it is always hard to do, no matter how long you do it. Think about chopping wood! The fourth job category, and the most important, are those things that you find easy to learn and easy to do. You learned it so easily, and do it so naturally, that you

almost forget when and how you learned it in the first place. As you can imagine, the jobs and tasks that are easy to learn and easy to do are the best indicators of your natural talents and abilities. This is where you are the most likely to do the best job, get the best results, and to be paid the very most.

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Throughout your life and career, you must be continually analyzing your activities to identify the things that you learn and do easily, and from which you get the best results and rewards. This type of work for you is the key to career success.

Focus on Contribution

Even if you are running your own business, as we teach in our Entrepreneurial Coaching Programs, your most important responsibility to yourself is to identify the few things that you do the most easily, that you enjoy, and which make the greatest contribution to your work or to your company. Your job is then to

organize your workday and your work life so that you spend more and more time doing more of the things that you do best and get the best results from. This is the key to entrepreneurial success. The fact is that the quality of your thinking determines the quality of your life. The more time that you spend thinking about who you are, in terms of your natural talents and abilities, what you most want from your work, the better decisions you will make and the more you will accomplish. This way of thinking is essential in your choices of a job, a boss, an industry and a career. Before you take your first job, or when you change jobs in the course of your career, stop for a moment and draw a line under the past. Imagine that you are starting over, with all the knowledge and skill that you have accumulated to this date. Look around you at all the opportunities that are open to you, and then take your time in choosing the right job or business for you at your current level of

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knowledge, skill and development. Invest your time and your life carefully. They are all you’ve got, and they are irreplaceable.

Seek Opportunity Versus Security

People are always asking me how they can make more money in their current jobs.

I ask them what sort of jobs they do, and what sort of companies they work for. They often tell me that they are working in an industry where sales are flat or declining, or they are working for a company that is not growing. Sometimes they are doing a job where the pay is largely fixed, and in which there are few

opportunities for advancement or higher income. In these cases, I have to tell them that they are in a situation that has a limited future, and only an unsatisfactory present. Look around you in the current job market. What are the businesses and industries that are growing in sales and popularity? What are the products and services that are selling well? What are the companies with increasing profits and rising stock prices? What are the states or regions of the country that have the most companies and industries that seem to be prospering? If you sincerely want to become a millionaire over the course of your lifetime, you must be prepared to make important changes, including moving geographically from one part of the country to another if necessary. You must be prepared to leave a job or industry if the prospects for that industry are declining. You must be honest with yourself.

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Many people have totally changed their lives, dramatically increased their incomes, put their careers onto the fast track, and moved rapidly toward financial independence, by making major changes in where they were working or what they

were doing.

Ignore the Past and Focus on the Future

There is a concept in accounting called a “sunk cost.” These are defined as money that has been spent and which cannot be recouped. They are funds that are gone forever in a company or business, like last year’s advertising. They cannot be retrieved. They have no value. They are sunk, as in a deep ocean. You have sunk costs in your career as well. You may have invested weeks, months and even years in getting an education or acquiring experience in a particular field. But the market has changed and there may be no demand for what you are capable of doing. No one is willing to hire you or pay you very much to do it.

Just like investing in a company that was not successful, many people have invested an enormous amount of time and money in the development of talents and skills for which there is no existing or future market. But they have a hard time facing this fact, or admitting it to themselves, or others.

Practice Zero Based Thinking Regularly

One of the most important habits you can develop is the habit of “zero based thinking.” In zero based thinking, you put every one of your previous decisions on

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trial for its life on a regular basis. You ask this question, “Is there anything that I am doing today that, knowing what I now know, I wouldn’t get into again today, if I had to do it over?” Apply this question to every part of your life, and especially apply it to your job, position, career and current situation. If you were not now doing what you are currently doing, would you get into it again today, knowing what you now know about this area? Asking and answering this question takes a good deal of courage.

The fact is that in a world of rapid change, you will always have situations that, with your current knowledge, you wouldn’t get into again today if you had the choice. These situations will almost always be the primary causes of stress or dissatisfaction in your life. They will cause you the most aggravation and frustration. If you stay in a zero based situation long enough, it can even make you physically ill. If the answer to this question, “Is there anything that I’m doing that I wouldn’t get into again today?” is “yes”, then your next question should be, “How do I get out of this situation, and how fast?” Often you can change your entire life by simply having the courage to face up to the fact that your previous decision has not turned out to be as good as you originally thought. There is nothing wrong with this. You are not perfect. Everyone makes decisions that they later regret, based on new information. This will happen

throughout your life. The only question is, “How long are you going to stay in a situation that you know is not right for you?” It is not possible for you to be

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successful and happy in your career or job if, knowing what you now know, you wouldn’t even get into it again today if you had it to do over.

Getting The Ideal Job For You

Once you have decided what it is that you most enjoy doing, and which you have the potential to do extremely well, and you have decided the part of the country and type of business you would like to work in, the next step is for you to begin the process of “informational interviewing.” Instead of applying for a job in a particular company, you merely seek information about what is going on in that company and industry. You can even position or imagine yourself as a “reporter” in the process of gathering information to write a story. You begin your search by calling up a decision maker in a company in an industry in which you would like to work and saying something like this, “I am doing some research on this business (or industry) and I would very much like to get a few minutes of your time to ask you how you see your business evolving and developing in the future.”

You will be amazed at how open people are to talking to you about the company or business they work in. After you have spoken to people in several companies, you will have assembled an excellent information base that will enable you to determine first of all, whether you want to work in that industry, and second of all, which particular company you would like to work for.

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Many years ago, new in town, and having no experience in the business, I conducted this process with the top four companies in the industry. Within one month, I received job offers from all four companies, and accepted the one with the best reputation and the toughest hiring standards. This method really works!

Remember, your time is your life. Choose your job with care. You are going to be exchanging a certain amount of your life for that job, and your time is more important than the money that you will receive. Money can be replaced, but time spent is gone forever.

Take the Time To Choose Well

In taking a new job, choose your boss with care. One of the fastest ways to move ahead rapidly in your career is to work for an excellent boss. An excellent boss is invariably someone who is competent and capable, positive and constructive, and under whom you can learn and grow at a rapid rate. Almost every successful person can tell you of a boss that he had at a certain point in his career that became a key factor in his subsequent success. On the other hand, some people fall into the habit of taking whatever job is offered to them when they need a job, and working for whichever boss they happen to get. They take whatever work assignments are given to them and accept whatever hours or working conditions are offered. Instead of being self-reliant and self determined, they become reactive and accepting. Instead of seeing themselves as responsible and in charge of their own careers, they begin to see themselves as

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passive agents, merely doing what they are told to do. This is definitely not for you.

Two Habits For Rapid Advancement

Over the years, I have been invited to speak to graduating classes of business students. They invariably ask me for advice on how to get ahead in the world of work. I will tell you what I tell them. There are two habits that you can develop that will help you get ahead faster than any success secrets you will ever learn. These habits will serve you well as an employee, as a manager or executive, or as an entrepreneur and business owner. They are simple, easy to learn and incredibly powerful. To begin with, remember that the normal hours of work are simply averages, and they are for average employee. They have nothing to do with you. Instead, you should develop the habit of starting earlier, working harder and staying later. If the workday starts at 8:30 am, you should be at work and busy by 8 o’clock. You should work steadily all day long. If the workday ends at 5 o’clock, you should continue working until 5:30 or 6:00, or even later. The simple act of starting earlier, working harder and staying later, will increase your productivity by anything from 50% to 100%. The people who are in the best position to help you

get ahead will soon notice these work habits. They will give you an edge over any of your coworkers.

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Develop the habit of asking for and accepting more responsibility. As soon as you feel that you are on top of your work, go to your boss and tell him that you want “more responsibility.” Tell him that you very much like your job, and you want to make an even more valuable contribution to the company. You are not asking for more money or for special recognition, you simply want “more responsibility.”

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It is well keep going the right path the lord will meet you


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Be good, be kind, and be open minded


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Take Initiative and Get The Job Done Fast

Don’t Waste Time

One of the most important habits you can develop, which will help you in any job,

is the habit of working all the time you work.

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According to Robert Half International, the average employee works only 50% of the time. The other 50% of working time is largely wasted. It is spent in idle chitchat and conversation with coworkers, coming in late, taking extended coffee

breaks and lunches, and leaving early. It is dribbled away with private phone calls, reading the newspaper, personal business and surfing the Internet. Only 50% of the time for which the average person is paid is actually spent on work-related activities. What is even worse is that, when the average employee is actually working, he or she does the tasks that are fun and easy rather than the jobs that are hard and important. Most people “major in minors” and work on low priority activities. When you discipline yourself to focus on high priority tasks and to make every minute count, you will immediately separate yourself from everyone else, and take full control of your career and your future. Resolve to work all the time you work. Start a little earlier, and when you get in, go to work immediately. If someone wants to talk to you, you say that you would like to chat with him or her, but not right now. Right now, you have to get “back to work!” Keep repeating to yourself the mantra, “Back to work! Back to work! Back to

work!” Tell your coworkers that you can socialize with them after work, if you have the time. And then get back to work.

Be A Hard Worker

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Imagine that a management-consulting firm is going to come into your company and do a survey one year from today. In this survey, they are going to ask everyone in the company to rank everyone else in the company in terms of who works the hardest, all the way down to who works the least hard. Imagine that your goal is to come out on the top of this survey. Every single day that you are at work, imagine that you are being watched with hidden cameras. At the end of the month or the year, a vote is going to be taken on the hardest working person in the company. Your job is to be sure that you win this vote. There is nothing that will bring you to the attention of people who can help you faster than developing a habit for hard, hard work. In every study of successful people, whether they are athletes, executives, entrepreneurs or self-made millionaires in any field, the most obvious habit they have is that they work much longer and harder than their coworkers.

Join the Elite

There have been many studies about wealth and poverty in the United States, and worldwide. These studies try to explain income distribution and are often used as the basis for welfare payments, unemployment compensation and levels of taxation. Again and again, these studies show that the highest paid people in America work about 60 hours a week. The lowest paid people in America, the ones at the poverty line, work fewer than 25 hours per week. The highest paid households in America have two or more people who work long, hard hours. The most impoverished

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households in America are those that have perhaps one wage earner who works only a few hours per week. There is a direct relationship between how hard you work and how much you are paid. There is a direct relationship between how hard you work and how rapidly you are promoted. There is a direct relationship between how hard you work and the value of the contribution that you make to your company. People who work longer hours are invariably more valuable, paid more and promoted faster than people who do not.

The Key To Career Success

Andrew Grove, the Chairman of Intel, was interviewed in Fortune Magazine some time ago. He was asked what he felt to be the biggest changes that had taken place in the world of work in the last decade. He answered that, “In my estimation, the two most important changes were these: First of all, every person today is now the architect of his or her own career. Each person has to see himself or herself as

completely responsible for everything that happens to them, especially for their own work habits, and their own training and development. No one could rely on a company taking care of them throughout their careers.” His second observation was even more important. He said that today, the key to success in any job today is to “add value.” At one time, you could get a job, reach a certain level of accomplishment, and then coast for months and even years on your previous achievements. Today however, you must be looking for ways to add value every single day. Your company no longer cares what you might have

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accomplished in the past. The main question today is, “What have you done for me lately?” Gary Hamel and C.K. Prahaled, two of the top strategic planners in the world today, in their book Competing for the Future, write that the key to competitive advantage for companies is to project forward five years and identify the core competencies and skills that they will be need to be market leaders at that time. By the same token, one of the most important habits you develop is the habit of looking forward 3-5 years and identifying the additional skills and competencies you will need to be to the top of your field at that time. What are the trends in your industry? What are the skills possessed by the highest paid people in your industry today? Where is your industry going, and what will you have to be absolutely excellent at doing 3-5 years from now if you want to earn an excellent income? These are the key questions that determine the direction of your career.

The Race is On

Peter Drucker writes that, “The only skill that will be important in the 21st century is the skill of learning new skills. Everything else will become obsolete over time.” We say that, “Whatever got you to where you are today is not enough to keep you there.” Tom Peters says that, “Whatever you are doing well today, you will have to be doing it vastly better one year from today if you want to keep your current position.” The race is on, and you are in it.

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Continually look for ways to add value, to contribute more than you are contributing today. Never forget that you are a “knowledge worker” and the value of your work is not determined by the hours that you put in, but by the results that you get out. Make a habit of focusing on the most important and valuable results that you can accomplish in your position. Keep looking forward and identifying the additional

skills and abilities that you can develop that will enable you to add more value by getting even better and more important results. This is the way to put yourself on the side of the angels, and to put your career onto the fast track.

Look Like A Winner

One of the most important Million Dollar Habit you can develop, which can have an inordinate effect on how fast you move onward and upward, has to do with your personal appearance and image. You must develop the habit of dressing like a person who is going somewhere in life. Human beings are intensely visual. We are inordinately influenced by the external appearance of other people. Some surveys suggest that we form our first impression in the first four seconds of meeting a person, and we finalize our

conclusions about that person in the first 30 seconds. After we have made a judgment and come to a conclusion about a person, our mind then strives to justify the decision we have already made. Something quite abrupt or shocking has to occur for us to alter our first impression. This is the way our minds work.

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Sometimes people say that, “People should not judge me by the way I look on the outside.” This is a nice idea, but the fact is that you judge everyone you meet by the way they look on the outside, usually within 30 seconds. One of the rules for success is that, “Everything counts!” Everything helps or hurts. Everything adds up or takes away. Everything is either moving you toward a goal of your own choosing or is moving you away from that goal. Everything counts! This rule is as applicable in the way you look as in any other area. In the image that you project, everything counts, as well. If it doesn’t help it hurts.

One of the smartest things that you can do is purchase a couple of books on personal image and then select your clothes, your grooming, your make-up and your accessories so that you look like the kind of person who is competent, efficient and trustworthy. Human beings tend to be incredibly perceptive. And we are very much influenced by the external appearance of a person. By taking the time and effort to dress well and to look the part of a capable person, you open doors for yourself that might otherwise remain closed to you.

What Every Company Wants

Business owners and executives want to be proud of their staff. Many people work hard and do a good job, but are passed over for promotion, year after year, because of their external appearance. They are often overweight and unkempt. Their hair is too long or poorly cared for. Their clothes and accessories are ill fitting do not go

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with their other clothes. Their shoes are unpolished or mismatched to their clothes or position. As a result, the people around them, especially their superiors, immediately discount their value and ignore their opinions. In chapters Seven and Eight, we will talk about building a business and about sales and marketing. In those chapters, I will explain the importance of positioning and branding in selling a product or service. Both of these concepts are applicable to you personally, and in your work life as well.

Here’s an exercise for you. Imagine taking a picture of yourself as you show up for

work in the course of the week. Imagine circulating that picture to others and asking the question, “What kind of a person is this?” How would people who don’t know you describe you by looking at a photograph of you the way that you normally appear at work? Would they say that, “This is an excellent, well organized, high performing individual?” Or would they say something else? Look at your workspace or desk, your briefcase or car. Ask, “What kind of a person works in an environment or situation like that?” Would an objective third party observer say that, by looking at your work space, that you were a “highly efficient, productive and well organized person?” Or would they say something else?

An Outside Evaluation

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Here’s another exercise. Imagine that an outside firm of consultants was to interview all of your coworkers and ask them this question: “What words would you use to describe that person?”

What words do people use to describe you in your absence? Based on their experience with you, with your character and your work habits, how do people talk about you to others when you are not there? How would you like them to talk about you? What words would you like them to use? What words would it be helpful to your career if everybody used them when they described you to others? Finally, how could you develop the habits of walking, talking, dressing, working and behaving in such a way that others describe you in the most positive and flattering way. Would it be helpful to you if people were to say that, “He/she is extremely competent, efficient, honest, friendly, helpful and gets things done quickly and well?” How could you change or restructure your appearance and work habits so that, sometime in the future, these are the words that people use when they think and talk about you? What steps could you take immediately to begin creating these works in people’s minds?

Be A Good Team Player

One of the most important habits you can develop in the course of your career is the habit of working well with other people. Your ability to be a good team player early in your career, and a good team leader later in your career, will do as much to

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increase your value to your company as any other habit or skill that you can develop. In times of economic turbulence and large-scale lay-offs, researchers have found that the last people to be let go from any organization are the most popular and helpful people. The people who are kept on the longest, irrespective of economic conditions, are always the ones who are liked the most and who get along with the greatest number of people. Your job is to be one of those people. Sometimes I ask my audience members, “How many people here work in customer service?” Very few hands go up. I then go on to point out that, “Everyone is in the business of customer service. Everyone is in the business of serving customers, no matter what you do in your organization.”

Focus On Customer Service

Develop the habit of seeing everyone around you as a customer of some kind, and simultaneously see yourself as a customer service specialist. A customer can be defined as “Anyone who you depend upon for your success at work, and anyone who depends upon you for their success at work, or in the outside world.” By this definition, you have several different customers. First, there are your external customers. These are the people who buy and use the product or service that your company produces. Satisfying these people is absolutely indispensable to your success. Those people who are the most vital to serving customers of the company are always the most valuable and appreciated.

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You also have another set of customers, within your organization. These are your boss, your coworkers and your subordinates. You depend upon each of these people for your success, and to a certain degree, each of them depends upon you. The more and better you serve your internal customers, the more productive and valuable you will be to your company.

Your Best Customer

Begin with your boss. He or she is your most important customer. This is because you can fail to satisfy every other customer in your organization, but as long as your boss continues to like and support you, your job will be safe. On the other hand, you can please every other person inside and outside of your organization, but if you do not satisfy your boss, your job will be in jeopardy. Your boss is

therefore your number one customer. Here is an exercise. Draw up a list of everything that you feel that you have been hired to do. Take this list to your boss and ask your boss to organize this list on the

basis of his or her priorities. Ask him or her to choose your number one, most important output responsibility. Then have him choose your second most important task, and so on. Very few people do this with their bosses. The first time you approach your boss with this exercise, he or she will be both flattered and somewhat amused. But if you persist in working through this list of tasks, and organization of priorities, with

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your boss, you will both emerge from the meeting with a much better understanding of your true priorities at work. From them on, develop the habit of always working on your boss’s number one task. If your boss asks you to do a new job, immediately ask what order of priority does the new task have in comparison with the other work that you are doing. Make it clear that your primary aim is to work on what your boss considers to be the most important and valuable use of your time.

Help Others to Be Effective

If you have a staff of your own, perform the same exercise with them. Have each of them draw up a list answering the question, “Why am I on the payroll?” Go over these descriptions with each of your staff members and help them to organize their lists by priority. From then on, do everything possible to assure that each of your staff members is working on what you consider to be the most important thing they can be doing to make the most valuable contribution possible to your organization. Your coworkers are also your customers, because you depend upon them for certain things. You should always be looking for ways to help them do their jobs more effectively. By the Law of Reciprocity, they will then look for ways to help you do your job even better. In a book on Power and Influence in Organizations written some years ago, the author concluded that power in an organization was based on what he called,

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“managed dependencies.” This referred to people whom you could influence, but over whom you had no control. They were not dependent upon you for their jobs or their incomes. These were people who were independent of you, but whose help and cooperation you required if you wanted to be successful in your position. Make up a list of all the people within and without your organization whose assistance, help, cooperation and support you need in order to do your job the very best possible. You should then make a habit of cultivating these people and looking for ways to help them to be more successful in fulfilling their

responsibilities as well.

Sowing and Reaping

In Chapter One, we said that the Law of Cause and Effect is the granddaddy law of western philosophy, the iron law of the cosmos. The biblical version of this law is the Law of Sowing and Reaping. This law says that, “Whatsoever you sow, that also shall you reap.” In the world of work, this means that, whatever you put in, or do for others, will eventually come back to you. Note that the Law of Sowing and

Reaping has a specific order. First, you sow. Then, you reap. Many people try to reap before they sow, or without sowing at all. But this is not the way the world works. First, you look for ways to help other people. Then, almost automatically, people will be predisposed to helping you when the time arises. One of the great rules for success is this, “The more you give of yourself without expectation of return, the

more that will come back to you from the most unexpected sources.”

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Develop the habit of looking for ways to put in more than you get out, to sow more than you reap, to go the extra mile, and to always do more than you are paid to do. If you always do more than you are currently being paid to do, you will be setting yourself up to be paid more in the future. Look for ways to add value continually.

President of Your Own Company

One of the most important habits you can develop to succeed in your company is the habit of viewing yourself as self-employed. See yourself as the “President” of your own personal services corporation. Act as if you owned 100% of the shares of the company you work for. Treat the company like it belongs to you, in every respect. By developing the habit of seeing yourself as self-employed, you take complete responsibility for yourself, your company and your career. By taking complete responsibility, and seeing yourself as the President of your own business, you change your personality and your character. Your attitude improves and your actions become more focused, efficient and deliberate. In a study done in New York some years ago, they discovered that only 3% of employees see themselves as self-employed. These 3% always seem to be the ones who are paid more and promoted faster. They are the ones who take personal responsibility and personal initiative. They are action oriented in looking for ways

to contribute more value to their companies. They seek out additional training experiences to increase the quality and quantity of results that they can get in their jobs.

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When you view yourself as the president of your own company, as completely self-responsible for your own job and your own results, you quickly come to the attention of the people who can help you the most. Doors of opportunity will open up for you. You will be promoted to positions of higher responsibility and

authority. You will be more respected and esteemed by the important people around you. You will eventually leave everyone else behind.

Be Positive and Cheerful

Perhaps the most helpful decision you can make is to develop the habit of being a pleasant, positive person. Refuse to criticize, condemn or complain. Do not engage in gossip or gripe sessions with your coworkers. Imagine that everything that you say at work will be repeated and published on the company bulletin board. Guard your tongue. Instead, look for something good to say about everyone. Always be cheerful and friendly. Be patient and easy going. Be polite and courteous. Be thoughtful and considerate. Be the kind of person that everyone likes to have working for them, or likes to work for or with. In our modern business world, it is always the people who are competent, capable, likable and pleasant who are paid the most and promoted the fastest. Make it a habit to look for the good in every person and situation, and to keep focused on helping other people, and adding value to your company. These habits will help

you as much or more than anything else you could possibly do.

Action Exercises:

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1. Determine what you find easy to learn and easy to do, and what you most enjoy doing at work; find a job doing more of that.

2. Identify your unique talents and abilities, and dedicate yourself to becoming absolutely excellent in those areas.

3. Develop the habit of continually asking for and accepting more responsibility for results, and then move quickly when you get an opportunity to perform.

4. Work all the time you work; when you start earlier, work harder and stay later, you quickly separate yourself from all the others.

5. Focus on satisfying your customers at work, both inside and outside of the company.

6. Develop the habit of working well with others; always be looking for ways to contribute, to help others to do their jobs better and faster.

7. Get the job done fast! The faster you move, the more energy you have, the more you get done, and the faster you will be paid more and promoted to higher levels of responsibility.

“Work is an extension of personality. It is achievement. It is one of the ways in

which a person defines himself, measures his worth and his humanity.” (Peter


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Chapter Seven

The Habits of Top Businesspeople

“Continuous, unflagging effort, persistence and determination will win. Let not the man be discouraged who has these.” (James Whitcomb Riley) Everything that happens in life is a matter of probabilities. There is a probability that virtually anything will happen. There is a probability that you will live a long, happy, healthy and prosperous life. There is a probability that you will drive safely to and from work tomorrow. Actuaries and statisticians can determine these probabilities with considerable accuracy. The entire world of insurance is based on these numbers, as well as much of the world of finance and investments. Most self-made millionaires in America are entrepreneurs, business executives or self-employed professionals. By becoming knowledgeable, proficient and skilled in the operations of successful business, you dramatically increase the probability that you will earn a lot of money, achieve financial independence and become a millionaire yourself in the years ahead. As it happens, all business skills and behaviors are learnable through study and practice. In this chapter, you will learn the most important habits practiced by the most successful businesspeople in every area. Your job is to adopt these habits and then to apply them in all your business activities.

The Purpose Of A Business

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What is the purpose of a business? Some people say that it is to “make a profit.” However, Peter Drucker says that, “The purpose of a business is to create and keep a customer.” All profits are a result of creating and keeping a sufficient number of customers and serving them in a profitable manner. The most important habit you can develop for business success is the habit of thinking about your customers all the time. Develop an intense customer focus. Put yourself inside their hearts and minds, and see everything you do from the customer’s point of view. Morning, noon and night, you must develop the habit of

placing your customers in the center of your thinking in all of your business activities. The aim of all business activities is customer satisfaction. Businesses succeed and grow because they satisfy their customers better than their competitors. Businesses shrink and decline because they fail to satisfy their customers with the products and services they want, at prices they are willing to pay. To be sure that you are doing the right things, one of the most important questions you ever ask is, “What does my customer consider value?”

The Power of Clarity

Perhaps the most important word in business and personal success is the word “clarity.” You must be absolutely clear about who you are as a person, and what you are trying to do or accomplish in your business or work. You must develop the habit of thinking carefully about every detail of your business life, and then take the time to achieve absolute clarity in several different areas.

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Begin with your vision. What is your vision for your ideal business future? If you could wave a magic wand and make your business perfect in every way, what would it look like? In the Bible, it says, “Where there is no vision, the people perish.” In business terms, this means that where there is no clear, positive, uplifting vision for the business, people eventually lose their enthusiasm and commitment and simply go

through the motions of operating the business day by day. Just as you need an uplifting and inspiring vision for yourself and your life, you need a vision for your business. Make it a habit to continually define and clarity this picture. Practice “idealization” in the creation of this vision. Imagine that you have no limitations and that you can create your business any way you want.

Think About the Words

Think about the words that you would use to describe your business if it was perfect in every respect. What would they be? What words would you want your customers to use in describing your business to other potential customers? If you could select the ideal words and put them into the mouths of your customers, what words would you choose? What words do you want the people inside and outside

of your business to use to describe you and your business activities? For example, if everyone around you described your business with the words “excellence, quality, wonderful customer service, high integrity, great people, best

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products, speedy follow-up, etc.,” would this be helpful to you? If so, how could you organize your business activities to assure that these are the words that people use when they think and talk about you sometime in the future. The greater clarity you have with regard to this ideal description, the easier it is for you to do the things that are necessary to make these words a reality.



A Mission and a Measure

What is your mission for your business? A mission is always defined in terms of what you want to accomplish with your business for your customers. A mission always contains a measure of some kind, that you can use to determine whether or not your mission has been completed. For example, for many years, the mission of AT&T was to “bring telephone service within the reach of every American.” It took almost one hundred years for AT&T to complete this mission, but the mission never changed until it was

achieved. A company might say: “Our mission is to supply our customers with the best products, backed by the best customer service in our market, and as a result, achieve sales and profit growth of 15% per year.” With a mission like this, strategic planning, marketing and sales, policies and procedures, all have a central focus that make it much more likely that this mission will be accomplished. What is your mission for your business and your customers?

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Why You Do What You Do

What is your purpose for your business? The definition of purpose answers the question of “why” you are in business in the first place. What is it that you passionately want to achieve for your customers? What results do you want to get? In what ways is your business organized to improve the life of your customers in some way? Why are you doing what you are doing in the first place? The greater clarity you have with regard to your purpose, the better organized and the more efficient will be your entire business.

Set Clear Goals and Objectives

Once you are clear about your vision, mission and purpose, you define them in terms of specific, measurable, time bounded business goals. Your goals are the short-term, medium-term and long-term objectives that you need to reach for your business to be successful. You need goals for how much you intend to sell and for how much you intend to earn on those sales. You need goals for the development and introduction of new products and services, and the improvement of existing ones. You need goals for

the types of people that you want to attract and hire. You need goals for the markets you intend to enter, and the amounts you intend to sell in those markets. Developing the habit of clarity about your goals gives each person in your business, and yourself, specific targets to aim at every single day.

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Fortunately, in business, all goals and objectives can be expressed in financial terms. Whatever you do in your business, you can create or determine a specific financial number to aim at that will tell you whether or not you are successful. Develop the habit of thinking in financial terms, and thinking in terms of net

profits, at every stage of your business. This is the way the most successful businesspeople think most of the time.

Focus on Marketing and Sales

Every business is essentially a marketing organization. Drucker says that the role of the manager is to innovate and market, because these are the only two activities that create and keep customers, and ultimately generate financial results. Surprisingly enough, most managers spend much of their time on activities that do not involve innovation and marketing. In one study, they asked business managers, “How important is the marketing function to your company?” Most executives replied, “very important.” They then analyzed the time usage of these managers and found that only 11% of the working week was actually devoted to marketing. Everything else was taken up in paperwork, meetings, administration and non-marketing activities. It is important for you to develop the habit of thinking about marketing and sales results most of the time. Think about your customers most of the time. Think about the things that you could do, every single day, to make your products and services more attractive to more customers.

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When I consult with companies on their marketing, I encourage them to establish a basic mission for their sales activities. One of the best overall missions is this: “Our mission is to get our customers to buy from us rather than from our competitors, to buy again because they are highly satisfied with their initial

purchase, and then to tell and bring their friends to buy from us as well.”

The Customer Is King

Today in our society, the customer is king, or queen. The customer decides our

success or failure. The customer determines our level of growth or decline.

Satisfying our customer must be the central focus and habitual way of thinking of

every person in the organization. Sam Walton, founder of Walmart, once said, “We all have one boss, the customer. And she can fire us any time she wants by simply deciding to shop somewhere else.” Customers buy just one thing: improvement. The reason that a customer buys from you is to improve his or her life or work in some way. Your job as a business person is to convince your prospect that he or she will be better off by buying your product or service from you, than he or she would from buying it from anyone else.

Marketing, sales and business strategy is as simple and as straightforward as that. The customer is always right. If the customer does not buy from you, or even worse, buys from your competitor, it is because in the customer’s perception, your offerings are not attractive enough to induce the buying decision. For this reason, you must develop the “outside in” habit of dealing with your customers. You must continually look at your products and services, and what you offer, from the

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outside. You must see yourself through the eyes of your customers, so that you can make whatever changes are necessary to cause your customer to prefer buying from you rather than from someone else.

What Customers Want

Customers are incredibly selfish. They want the very most for the very least. They want the highest possible quality at the lowest possible price. They want everything to be better, faster, cheaper and easier to purchase and use. And whatever satisfied them yesterday is not enough to satisfy them today. To please the demanding customer of today and tomorrow, you must develop the habit of continually improving what you sell. You must be continually raising the bar on yourself. You must continually be seeking ways to provide your products better, faster and cheaper if you want to stay ahead of your competition. The most successful entrepreneurs develop the habit of intense market and customer orientation. They focus single-mindedly on their customers and think continually, day and night, about the different ways that they can please and satisfy them even more than before. Whether you start your own business, or work for

another business, your intense focus on your customers will do more to assure your success than any other habit you can develop in business.

Think Like An Entrepreneur

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Develop the habit of thinking like an entrepreneur. An entrepreneur is like a guerilla fighter in the world of capitalism. The entrepreneur has several qualities that enable him or her to start and grow a successful business against entrenched competition. Perhaps the two most important habits you can develop in

entrepreneurial thinking are those of speed and flexibility. Develop the habit of moving quickly on opportunities or problems, and of doing things quickly that satisfy your customers. Large companies tend to move slowly, but entrepreneurs have the advantage of speed. Today in our society, time is a critical element of decision making in buying any product or service. The faster you can serve your customers, the more valuable and attractive they will consider you to be. Develop the habit of moving fast in selling and serving customers and you will gain an edge in any market. In addition, entrepreneurial thinking requires the habit of flexibility. Try. Try again. Then be willing to try something else. Remember that most things that you try in business will not succeed the first time, or even the second or third time. But the Law of Probabilities reigns supreme. The more different things you try, and the faster you try them, the more likely it is that you will discover the right method or process to make the sales and achieve the goals that you set for yourself. Keep asking, “If I was not doing this in this way, knowing what I now know, would I start it up again?” If the answer is “no,” be prepared to change quickly and try something else. Most entrepreneurial businesses eventually succeed by doing something different from what they first started. They succeed by offering different products and

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services to different customers than they initially planned when the business began. One of the marks of successful businesspeople is that they remain open to new ideas. They accept feedback and make quick course corrections when they find that something is not working as they expected.

Seven Habits For Business Success

There are seven key habits that you must develop for business success. The absence of any one of these habits can be costly, if not fatal to your business. When you become competent and capable in each of these areas, you will be able to accomplish extraordinary results, far faster and easier than your competitors. The first requirement for business success is the habit of planning. The better,

more thoroughly and more detailed that you plan your activities in advance, the faster and easier it will be for you to carry out your plans and get the results you desire once you start to work. There is a “Six P” acronym that says, Proper Prior Planning Prevents Poor Performance.” Very often, the first 20% of the time that you spend developing complete plans will save you 80% of the time later in achieving the business goals that you have set. To plan better, develop the habit of asking and answering the following questions: What exactly is my product or service?

Who exactly is my customer?

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Why does my customer buy? What does my customer consider value? What is it that makes my product or service superior to that of any of my competitors? Why is it that my prospective customer does not buy?

Why does my prospective customer buy from my competitor? What value does he/she perceive in buying from my competitor? How can I offset that perception and get my competitor’s customers to buy from

me? What one thing must my customer be convinced of to buy from me, rather than from someone else? Once you have asked and answered these questions, the next stage of planning is for you to set specific targets for sales and profitability. You must determine the exact people, money, advertising, marketing, distribution, administration and service people and facilities you will require in order to achieve your goals. The more thoroughly you plan out each stage of your business activities, before you begin, the greater will be the probability that you will succeed once you commence operations.

Get Organized Before You Get Started

Once you have developed a complete plan for your business, you must then develop the habit of organizing the people and resources you need before you begin. In organizing, you bring together all the resources that you have determined that you will require in the planning process. In the military, there is a saying,

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“amateurs talk strategy, but professionals talk logistics.” It is absolutely essential that you determine every ingredient that you will need before you begin business operations, and bring them together so that they are ready to go when you open your doors, or begin your project. The failure to provide even one important ingredient in advance can lead to the failure of the entire enterprise.

Find The Right People

The third habit you must develop is the habit of hiring the right people to help you to achieve your goals. Fully 95% of your success as an entrepreneur or executive will be determined by the quality of the people that you recruit to work with you, or to work on your team. The fact is that the best companies have the best people. The second best companies have the second best people. The third best companies have the average or mediocre people, and they are on their way out of business.

The Habit of Delegation

The fourth habit you need to develop for business success is the habit of proper delegation. You must develop the ability to delegate the right task, to the right person, in the right way. The inability to delegate effectively can be the cause of failure or underperformance of the individual, and even bring about failure of the business. When people start in business, they usually do everything themselves. As they grow and expand, the job becomes too large for one person, so they hire someone to do a part of it. However, if they are not careful, they try to retain control of the

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task, and never fully hand over both authority and responsibility to the other person. In our Advanced Coaching and Mentoring Programs, we teach executives and entrepreneurs to identify the two or three things that they do that contribute the most value to their companies, and then delegate the rest. You must do the same thing. You must learn to think in terms of “getting things done through others” rather than trying to do them yourself. It is the only way you can leverage and multiply your special skills and abilities.

Inspect What You Expect

The fifth requirement for business success is for you to develop the habit of proper supervision. You must set up a system to monitor the task and make sure that it is being done as agreed upon. The rule is, “inspect what you expect.” Once you have delegated a task to the right person in the right way, it is essential that you monitor the performance of the task, and make sure that it is done on schedule, and to the required level of quality. Remember, delegation is not abdication. You are still responsible for the ultimate results of the delegated tasks. You must stay on top of it. When you have delegated a task, set up a system of reporting so that you are always informed as to the status of the work. Be sure that the other person knows what is to be done, and when, and to what standard. Your job is then to make sure that he or she has the time and resources necessary to get the job done

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satisfactorily. The more important the job, the more often you should check on progress.

What Gets Measured Gets Done

The sixth practice of successful entrepreneurs and executives is the habit of measuring performance. You must set specific, measurable standards and score cards for the results that you require. You have to set specific time lines and deadlines to make sure that you “make your numbers” on schedule. Everyone who

is expected to carry out a task must know with complete clarity the targets that he or she is aiming at, how successful performance will be measured, and when the expected results are due. In our Focal Point process, we teach the importance of your selecting and defining specific goals, measures and activities that are then used as benchmarks for performance. Jim Collins, in his book, From Good To Great, refers to the importance of selecting the “economic denominator” for a company, and for individual goals and objectives within that company. Whichever number you choose, it must be clear to everyone, and it must be monitored continually to make sure that everyone is on track.

Keep People Informed

The seventh habit for businesspeople is the habit of reporting results regularly and accurately. People around you need to know what is going on. Your bankers need to know your financial results. Your staff needs to know the status and the situation

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of your company. Your key people, at all levels, need to know what results are being achieved. In a study on workplace motivation, several thousand employees said that the most important factor leading to job satisfaction was, “being in the know.” People in an organization have a deep need to know and understand what is going on around them in relation to their work. The more thoroughly and accurately you report to people the details and situation of your business, the happier they will be, and the better results they will get.

The Habits of Winners In Business

To succeed greatly in business, and to become a self-made millionaire, there are additional habits that you need to develop, as well. One of these habits is the determination to win, to succeed, to outperform your competition and to ultimately be successful. This competitive instinct and determination to win in the face of any obstacle or difficulty is a chief motivating power that drives entrepreneurs and eventually assures successful careers.

The determination to succeed is an absolutely essential habit for you to develop,

through practice, by never considering the possibility of failure. Instead, you use

speed and flexibility to find solutions to problems, to overcome obstacles and to

achieve business goals, no matter what is happening around you. This decision, or

attitude toward winning, motivates and enthuses other people and enables ordinary

people to achieve extraordinary results.

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Be Open To New Information

Develop the habit of questioning your assumptions on a regular basis, especially when you experience resistance or temporary failure. Many people leap to conclusions and assume things about their customers, their competitors and their markets that have no basis in fact at all. Always be prepared to ask yourself, “What do I base this assumption on?” What are my facts? What evidence do I have? What is my proof?” And most important, be prepared to ask, “What if my assumptions about this customer, product, service, market or competitor were not true at all? What changes would I have to make?” The most dangerous assumption that an entrepreneur or businessperson can make is that there exists a large enough and profitable enough market for a particular product or service. Very often this is not the case at all. The primary reason for the dotcom implosion was because there was no real market for the products and

services that the dotcom companies were offering. They fell into a false form of thinking called “argument by assertion.” People often get caught up in an argument because it is asserted loudly and vigorously, even though it may have no substance at all. Assertion is not proof. Abraham Lincoln was once trying to make a point to the members of his cabinet. He asked this question, “If you took a dog, and called the dog’s tail a leg, how many legs would the dog now have?” Several of his cabinet ministers suggested the answer, “Five.”

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At this, Lincoln pointed out that, “No, the dog still has only four legs. Calling a

tail a leg does not make it a leg.” The moral of this story is that asserting, wishing, or hoping that a fact is true does not have any bearing on the ultimate truth of the statement. Only facts are facts. It is essential that you develop the habit of sorting out facts from fantasy, and making your decisions based on demonstrable, provable truths with regard to customers, markets, products and services.

Think Before Acting

In a fast changing business world, an important habit that you can develop is the habit of thinking before acting. Often, when we are pressured from all sides with decisions that have to be made, we leap to conclusions and make decisions without carefully considering all the possible ramifications of those decisions. Instead, develop the habit of buying time between the pressure to make a decision, and the actual decision itself. There is a rule that says, “If the decision does not have to be made now, it has to not be made now.” Your mind is incredibly powerful, and never more so than when you give it time to reflect upon a decision before you make the decision in the first place. Make it a habit of asking for a day, or a weekend, or even a week or a month, before you make a final decision. Put it off as long as possible. The very act of allowing the various pieces of information to settle in your brain will enable you to make a

much better decision later on than you might have made if you decided too quickly.

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It is amazing how many people say, “If I had just thought about that for a little while, I would have made a completely different decision.” This is almost always the case. Make it a habit to delay and defer decisions as long as you possibly can. They will invariably be better decisions when you finally come around to making them.

Your Mastermind Network

Another habit for business success is the habit of masterminding with other people, both inside your company and outside. In our Advanced Coaching and Mentoring Program in San Diego, we work with successful entrepreneurs to create masterminding groups with other entrepreneurs to develop business ideas and make better business decisions. The result is absolutely astonishing! Very often, entrepreneurs who have been struggling with business questions and problems for many months get solutions from the members of their mastermind group in a matter of minutes. A mastermind group can be either structured or unstructured. Either one will be effective. In a structured mastermind group, a particular question such as, “How can we increase sales in this market?” is thrown out and everyone brainstorms different ideas that they have found or are trying in their own businesses. Very often, an idea that has proven successful in one type of business is exactly the idea that works successfully for a completely different business.

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In an unstructured brainstorming session, people get together and “free-flow.” They talk in general terms about business, the economy, sales, customers, competitors, and so on. Out of this ferment often come great ideas that members of the mastermind group can use in their own activities. If you own your own business, you should sit down with your key people and mastermind a couple of times each week. Talk about how the business is going and some of the problems that you are facing. Ask if anyone has any suggestions or ideas. Listen attentively without interrupting when people make suggestions. Go around the table and invite input from everyone. You will be absolutely amazed at the quality of ideas that seem to emerge when you practice masterminding and brainstorming on a regular basis.

The Foundations of Business Success

There are seven key result areas in management. All business success is a result of working regularly in these seven areas to achieve better results. These are all habitual ways of thinking for business success and profitability. The first key result area, or habit that you need to develop is the habit of thinking

continually in terms of increasing productivity. The goal of strategic planning is to “increase return on equity.” It is to increase the financial results and outputs relative to the costs and inputs involved. It is to get more sales, revenues and profits out of the business than are currently being achieved.

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All successful businesspeople think continually in terms of increasing productivity.

They look for ways to do more with less, to get more out, at a lower cost. Even in

times of economic growth and prosperity, they are continually looking for ways to

increase results at lower costs.

Look at what you are doing today. How could you increase the productivity,

performance and output of yourself, and your business by changing the things you

do? What could you do more of, or less of? What could you start doing that you

are not doing today? What could you stop doing altogether? What is it that you are

doing today that, knowing what you now know, you wouldn’t start up again today?

The answers to these questions can lead you to productivity breakthroughs that will

dramatically improve your financial results.

Satisfy Your Customers

The second key result area, or habit that you can develop, which we have already

discussed, is the habit of thinking in terms of customer satisfaction all the time.

The starting point of developing this habit is for you to be absolutely clear about

how your customers define satisfaction. What has to happen for your customers to

be so happy with you that they buy again and tell their friends?

Domino’s Pizza is famous for having defined customer satisfaction as “speed.”

Thomas Monahan, the founder of Domino’s Pizza, found that when people ordered

a pizza, they were already hungry. For them, the speed at which the pizza was

delivered was more important than the relative quality of the food. With this single

insight, Thomas Monahan built a 7,000 unit pizza empire that extends around the

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world, and retired with a personal fortune of $1.8 billion dollars. Not a bad return

on a single insight into what customers really wanted! How do your customers

define satisfaction?

Profits Are The True Measure

The third habit you need to develop is the habit of thinking in terms of profitability

all the time. Many businesses focus too much on the top line, on gross sales, rather

than on the bottom line, on net profits. As Baron de Rothschild, in his Maxims For

Success said, “Always concentrate on net profits.”

You should analyze each of your products, services, customers and markets to

determine exactly how profitable they are. Many companies today are finding that

their largest customers, because of high servicing costs and discounts, are not

particularly profitable at all. Many companies are finding that certain products and

services that they sell in large volume, because of many hidden costs involved, are

not profitable. They are actually breaking even, or even losing money, on their best

selling products or services.

What are your most profitable products? What are your most profitable services?

Who are your most profitable customers? What are your most profitable markets?

What products, services, customers or markets should you emphasize or deemphasize?

Always think in terms of the bottom-line, of the dollar for dollar

profitability of each one of your business activities.

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Excellence Is The Answer

The fourth key result area is the habit of thinking in terms of quality all the time.

Customers only buy a product or service because they feel that it is of higher

quality in some way than that of competitive offerings. How do your customers

define quality? What qualities or attributes of what you sell cause them to buy

from you in the first place? What quality elements do they see in your competitors?

How could you offset these elements to get them to buy from you?

One of your most important activities should be regular customer interaction,

where you ask your customers why it is they buy from you, and how you could

improve your quality and service to them. Practice the CANEI method. These

letters stand for, “Continuous And Never Ending Improvement.” Remember,

whatever got you to where you are today is not enough to keep you there.

Whatever you are doing today, and however well you are doing it, you will have to

be doing it considerably better a year from now if you still want to be in business.

The most important goal you can set for yourself and your business is to “be the

best” in some area that is important to your customers. This is not only the key to

increased sales and profitability, but it is also the key to motivation and

commitment among the people who work for the company. Everyone likes to be

part of an organization that is committed to winning, to excellence, to serving

customers better than anyone else.

Your Most Valuable Assets

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The fifth key result area in business is the habit of thinking in terms of people

building. In business today, your primary asserts walk out the door at 5:00 pm. Of

all assets, only people can be made to appreciate in value by investing time and

training in them. Your people are everything. All productivity comes from them;

there is no other source. All profitability comes from your people. All sales and

fulfillment comes from your people. Your ability to select them and then to

motivate and inspire them is essential for your success.

Develop the habit of spending time with the most important people in your

business. Ask them for their opinions. Compliment on them on their

accomplishments. Take them for coffee or lunch. Make them feel important and

valuable. Remember, the very best companies have the very best people. And these

people are invariably the ones who are the happiest because of the way they are

treated by others, especially by their bosses.

Reorganize Your Business Continually

The sixth habit you can develop to build your business is the habit of

organizational development. This habit requires that you continually look for ways

to organize and reorganize your business so that it functions more efficiently and

effectively in getting the results you desire. You continually move people around

to assure that the job gets done better, faster and with less friction or interruption.

Some years ago, if a company announced that it was going through a “major

reorganization,” it would be a sign that there were serious problems in that

company. Today however, with the rate of rapid change in the business world

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around you, you and your company should be in a state of continuous

reorganization. Every day, week and month, you should be thinking about how you

can deploy and redeploy people and resources to assure the highest level of

productivity, performance and output.

Within the context of organizational development, you should develop the habit of

not only learning and growing continuously yourself, but also thinking in terms of

training and learning experiences for the key members of your staff. Sometimes,

one additional skill is all that a person needs to dramatically improve his or her

productivity and contribution to the organization. You should not only offer learning opportunities to your staff, but you should offer to pay for any courses or seminars that they take to improve their business ability. Encourage them to be self-directed learners. Encourage them to attend courses and seminars that are offered in your community that will help them to improve their performance and get better results. This is one of the most powerful motivational techniques of all.

Never Be Satisfied

The seventh habit you can develop is the habit of continuous innovation. As we

discussed earlier in this chapter, you should encourage everyone to be thinking

creatively all the time.

One way to encourage creativity is to ask each person to bring an idea to each

weekly staff meeting. Start off the meeting by going around the table and having

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everyone contribute their ideas. Lead the general discussion about these ideas.

When someone comes up with a great idea, lead the group in applause for the idea.

Thank and congratulate the person. Encourage them to keep thinking in this way

throughout the week.

You should have a company suggestion box. Offer a financial prize each week for

the best idea to increase sales or cut costs. It doesn’t have to be very large, $5 or

$10, to motivate people to think creatively all the time.

Announce the award for the best idea at the weekly staff meeting. Hand it out and

congratulate the person. Shake his or her hand. Lead a hand of applause. You will

be absolutely amazed at how many good ideas your people will come up with

when they are encouraged and rewarded for thinking creatively.

The most important area for you to apply the habit of continuous innovation is to

your products and services. Remember, fully 80% of products and services being

sold today will be obsolete within five years. You must be developing and

producing product and service innovations as a regular part of your business

activities. If you don’t, your competitors will. One major innovation by a

determined competitor can put you out of business. Be a leader, not a follower.

Think ahead and look at different ways that you can organize and reorganize your

business to do things better, faster and cheaper for your competitors. Think of new

products and services that you can offer. Think of new markets that you can enter.

Think of different ways that you can offset advantages enjoyed by your

competitors. Think of different ways that you could dominate your markets. The

 – Page 166

more you dedicate yourself to generating ideas, the more and better ideas you will

come up with.

Brainpower Is the Most Important Competitive Advantage

As you read through the suggestions for the development of business habits in this

chapter, you will probably notice that none of them cost any money. Every single

one of these habits of thinking is learnable, via practice and repetition. You can

develop them by simply reflecting upon the idea or habit on a regular basis.

The more you think about the importance of planning, the more habitual it will be

for you to plan thoroughly in advance. The more you think about the importance of

hiring and staffing, the more habitual it will be for you to think through the

decision carefully before you hire a new person.

The more you think about customer satisfaction, the more it will become a habit

for you to think in terms of different ways that you can satisfy your customers

better than anyone else. The Law of Concentration says, “Whatever you dwell

upon grows and expands in your life.” The more you think about any one of these

habits or behaviors, the more you incorporate that habit or behavior into your

personality. Eventually, it becomes a permanent part of the way you think, walk,

talk act and get results.

No One Better or Smarter

 – Page 167

Remember, no one is smarter than you, and no one is better than you. If someone is

doing better than you are today, it is because they have developed a particular habit

of thinking and acting before you have. And whatever other people have learned,

you can learn as well.

The very fact that there are many hundreds of thousands of men and women who

have started from nothing and become millionaires in business and

entrepreneurship means that you can achieve these goals for yourself, if you just

learn how. The only limits on your results are the limits that you place on yourself

with your own thinking. By developing the thinking habits of successful

entrepreneurs and businesspeople, you will eventually overcome all of your

obstacles and difficulties, achieve all your financial goals, and become financially

independent. Nothing can stop you.

Action Exercises:

1. Determine the most important thing you could do immediately to increase

the probabilities that you successfully achieve your most important business

goal, and then take action on it immediately.

2. Create an ideal future vision for your business and your career; if your

situation were perfect 3-5 years from now, what would it look like?

3. What is the most important difference or improvement you make in the life

and work of your customers, and how could you do this in an excellent


4. What is your greatest personal strength in your business, and how could you

organize your time so that you are doing more of it?

 – Page 168

5. What is your biggest weakness in your business, and how could you develop

yourself in this area, or compensate for it?

6. What innovations could you make in your products or services that would

make them more attractive to your customers of today and tomorrow?

7. What are your most profitable products, services, markets, customers and

activities, and what steps could you take immediately to focus more of your

resources in those areas?

“Nothing contributes so much to the happiness and prosperity of a country as high

profits.” (David Ricardo)

Million Dollar Habits – Page 169

Chapter Eight

Habits for Marketing and Sales Success

All business success rests on something labeled a sale, which at least

momentarily weds company and customer.” (Thomas J. Peters & Robert H.

Waterman, Jr)

Calvin Coolidge once said, “The business of America is business.” He also said,

“No enterprise can exist for itself alone. It ministers to some great need, it

performs some great service, not for itself, but for others; or failing therein, it

ceases to be profitable and ceases to exist.”

America is the greatest commercial society in history. Virtually all wealth is based

on somebody producing a product or service and selling it to someone else at a

profit. America is considered the most entrepreneurial country in the world

according to the OECD (2003) because it is more open to more people who want to

create and sell products and services to others, and the market is larger, than any

other country or geographical entity.

It is the revenues and profits from sales that pay all wages, all taxes, all education,

all medical expenses, and for all hospitals, schools, roads, airports, office

buildings, defense, welfare, unemployment insurance, and everything else of a

material nature in America. Where there are high sales, there is high prosperity.

Where there are low sales, there is low prosperity, lack of economic opportunity,

decline and ultimately failure.

 – Page 170

The Reason for Success or Failure

Dunn and Bradstreet offers a credit rating service that includes most of the

businesses in the U.S. Every year, active businesses are invited to contribute their

financial information to this database, which is then made available for credit

purposes to prospective suppliers and vendors.

Over the years, many thousands of companies close down, merge, or go bankrupt.

Each year, Dunn and Bradstreet conducts a study to determine the major factors

leading to business failure in that particular 12-month period. Over the years, the

reasons for business failure have been high interest costs, changes in technology,

poor management or under-capitalization. Often it is high inventory relative to

sales, or over-indebtedness.

Not long ago, Dunn and Bradstreet took all the statistics that they had generated on

failing companies over the years and ran them through a supercomputer. This

program sorted out all the variables and distilled business success and failure into a

simple conclusion: Businesses succeed because of high sales; businesses fail

because of low sales. All else is commentary.

The rule is that, “Nothing happens until a sale takes place, until someone sells

something to someone.” Businesses succeed because they make sufficient sales

and generate sufficient profitability to survive and grow in the current marketplace.

Businesses fail because of declining sales and revenues, which ultimately leads to

the collapse of the enterprise.

 – Page 171

The Most Important Number

The most important single number in the operation of any business is “cash flow.”

In the wake of the accounting scandals amongst major companies on Wall Street,

the accounting profession has reverted to focusing on what they consider to be the

most important single economic denominator of business success, “free cash


Free cash flow is the amount of money that is left over or generated by the

activities of the business, after all expenses have been subtracted. It is measurable,

quantifiable and definite. It exists. It is there in the bank account to be accounted

for and spent by the business. It cannot be faked. It is a real number. It is the

critical indicator of business success or failure.

Where does free cash flow come from? It comes from marketing and sales, less all

the costs of generating those sales and fulfilling those orders. There is no other

source. All mortgages, loans, advances and lines of credit must ultimately be

justified and repaid out of marketing and sales revenues.

Your Critical Determinant of Contribution

The greater influence that you have on the cash flow of your enterprise, the more

valuable and important you are to that business. The more you can contribute

toward increasing cash flow, the higher you will be paid and the faster you will be

promoted. Sales are everything.

– Page 172

One of the most important habits that you develop on your way to becoming a selfmade

millionaire is the habit of sales-orientation. All successful entrepreneurs and

business people are intensely customer and sales focused. They think about their

customers and how to serve them all the time. They have what Tom Peters calls,

“an obsession with customer service.”

They think continually about how to make more sales to more and better

customers. They are fixated on getting and keeping customers, on making more

and better sales, and on developing larger and more profitable markets. They think

about customers and sales night and day. This is the critical habit that you must

develop to become a self-made millionaire as an entrepreneur or as a key person in

any business.

The Four Habits of Marketing Success

There are several strategies, or habits of thinking and acting, that you can learn

through practice that will make you a much more efficient and effective

businessperson, especially in the area of generating sales, revenues and cash flow

for your business. These are specialization, differentiation, segmentation and

concentration. Let me describe each of them in turn.

To develop the habit of specialization requires that you decide clearly the area in

which you are going to specialize to compete and win in the current market.

Individuals and organizations that specialize are far more effective in creating and

keeping customers than companies that generalize or try to offer too many

– Page 173

products and services to too many customers and markets, in too many ways, at too

many price points.

You can specialize in one of three main areas: products or services, customers, or

markets. You specialize in a particular product or service when you decide that you

are going to focus all of your energies on producing and selling a specific product

or service that achieves a specific goal for your customers. For example, if you

specialize in fast food, you only produce foods that can be picked up and

consumed on the remises or immediately thereafter. You do not offer any product

or service that don’t fall into the category of “fast food.”

If you specialize in automotive transportation, you do not manufacture tractors,

photocopiers or refrigerators, even though your plants or factories could be adapted

to produce these products over time. You specialize in automobiles.

Just as the pellets of a shotgun shell will spread soon after emerging from the

barrel, there is a natural tendency in personal and business life toward diffusion of

effort. There are so many opportunities and possibilities that the temptation to

generalize, and to offer a wide range of products and services serving a wide range

of customers and markets is very tempting. But successful individuals and

organizations resist the temptation to spread their efforts and instead, dedicate

themselves to specializing in a particular area where they have the ability to

achieve market dominance. You must do the same.

Be Different From All The Rest

Million Dollar Habits – Page 174

The second habit for marketing success, and perhaps the most important, is the

habit of differentiating your product or service from that of all other competitors

for the same customer. Customers only buy what they consider to be “the best” as

it relates to their specific need at the moment. Sometimes “the best” is speedy

delivery. Sometimes it is long-term durability of a product. Sometimes it is

convenience or low price. But in every case, you must decide where and how you

are going to differentiate yourself from your competitors.

This is called your area of competitive advantage, or your area of excellence. Your

area of differentiation describes what it is that you offer to your customers that

make your product or service superior to anything else available. How clear you

are with regard to your competitive advantage largely determines the effectiveness

of all your sales and marketing efforts.

Without a clear competitive advantage, an area of excellence or superiority, it is

impossible for you to survive and thrive in a tough market. As Jack Welch once

said, “If you don’t have competitive advantage, don’t compete.”

Ask yourself, “What is my competitive advantage today?” What makes your

product or service superior to that of any of your competitors? It may be something

as simple as the location of your business. It may be something less tangible, such

as the personalities of the key people who sell and deliver your product or service.

Many entrepreneurial businesses are started and become successful because of the

personality and character of a single individual who customers prefer to deal with

rather than with anyone else in that same field.

Million Dollar Habits – Page 175

Determine Your Competitive Advantage

You should be able to write down your area of competitive advantage on the back

of a business card. Once defined, it becomes the core message that you convey in

all of your advertising and sales. Everyone in your company must know with

absolute clarity why and how it is that what you offer is better in a particular way.

Everyone must know why it is that customers should buy your product or service

rather than any similar product or service available. The determination of this area

of excellence, the development of this competitive advantage, is the fundamental

key to business success.

What is your competitive advantage today? What will your competitive advantage

be 3-5 years from now? What should it be? What could it be? What are the trends

in your business, and what will you have to be doing in an excellent fashion 3-5

years from now in order to survive and thrive in the marketplace of the future?

Your ability to think ahead and answer these questions, and then to take whatever

steps are necessary today to be sure that you have the competitive advantage you

need sometime in the future, is essential to your long-term success.

What do you need to be absolutely excellent at doing for your customer? Looking

around you at your marketplace today, and at the reasons why people do not buy

from you, or even worse, buy from your competitors, what competitive advantage

do you need to develop if you want to lead your field?

Million Dollar Habits – Page 176

What could your competitive advantage be? If you were to reorganize your

business, change your product or service offerings, change your market or methods

of sales, marketing, manufacturing or distribution, what could your competitive

advantage be sometime in the future? What steps could you or should you take

today in order to assure that your products and services are clearly superior to that

of your competitors sometime in the future?

The habit of asking and answering these questions for yourself is the core

responsibility of the entrepreneur or executive. Developing your competitive

advantage the key to success in any business. It is the primary reason for high sales

and high profitability in any business large or small.

Determine Your Best Potential Customers

The third habit of marketing is the habit of segmentation. There are many people

who might be able to buy what you sell, but they are not all prospective customers

for you and your business. Your ability to analyze your market, and to create a

profile of the exact type of customer who can most benefit from the product or

service that you specialize in, who appreciates what your product or service does

better than your competitors, is the key to marketing success.

In any market, there is a profile of potential buyers who are “high probability

customers.” These are people who very much value what it is you do in an

excellent fashion. These prospects are more willing than most prospects to buy

from you. They are willing to pay you more money for your particular product or

service because they value your offering more than those of your competitors.

Million Dollar Habits – Page 177

They will pay faster and more dependably than other prospects. Your ability to

identify this ideal customer for what you sell is the key to focusing your marketing

and sales efforts and activities.

Focus and Concentrate Your Sales Efforts

The fourth habit for marketing success is the habit of concentration. Your ability to

concentrate in general is essential for achieving success in any activity. The ability

to concentrate in particular, and to focus all of your marketing and sales efforts and

energies on those specific customers that you have identified who can most benefit

from what you sell, is the key to maximizing your sales, revenue and profits.

Develop the habit of thinking like a marketing genius. Develop the habit of asking

yourself questions like, “In what areas do we specialize? In what areas are we

superior to our competitors in our area of specialization? Who are the most

desirable and attractive market segments for what it is that we do better than

anyone else? How can we organize ourselves to concentrate all of our resources on

selling more to those customers who most appreciate what we can do for them

better than our competitors?” Your ability to ask and answer these questions

accurately can transform your business results.

Once you have developed your marketing strategy, there is a “Seven P Formula”

that you should use to continually evaluate and reevaluate your business activities.

As products, markets, customers and needs change rapidly, you must continually

revisit these seven P’s to make sure that you are on track and achieving the

maximum results that are possible for you in today’s marketplace.

Million Dollar Habits – Page 178

Look From the Outside

To begin, develop the habit of looking at your product as though you were an

outside marketing consultant having been brought in to help your company decide

whether or not it is in the right business at this time. Ask critical questions such as,

“Is your current product or service, or mix of products or services appropriate and

suitable for the market and the customers of today?”

Whenever you are having difficulty selling as much of your products or services

as you want, you need to develop the habit of assessing your business honestly and

asking, “Are these the right products or services for our customers today?”

Is there any product or service that you are offering today that, knowing what you

now know, you would not bring out again today? Compared to your competitors, is

your product or service superior in some significant way to anything else that is

available? If so, what is it? If not, could you develop an area of superiority? Should

you be offering this product or service at all in the current marketplace?

Take the Bundle of Resources Viewpoint

Develop the habit of looking upon your business as a “bundle of resources.” At

one time, your business did not exist. When it began, you brought together a

variety of resources, in the form of people, money, facilities and so on, to produce

a product or service to sell into the market that existed at that time

– Page 179

This bundle of resources that makes up your company is very much like pistol. It

can be aimed and fired in different directions. This bundle of resources can be

combined and recombined to produce new products or services as the market


Resist the temptation to become rigid in your ideas about the products or services

you sell. Be flexible and open to the possibility or necessity of offering something

completely new or different. See your business as a bundle of resources that has

the ability to offer a wide range of products or services if the market demands it.

Consider Your Prices Carefully

The second habit you need to develop has to do with price. Develop the habit of

continually examining and reexamining the prices of the products and services that

you sell, to make sure that they are still appropriate to the realities of the current

market. Sometimes you need to lower your prices. At other times, it may be

appropriate to raise your prices. Many companies have found that the profitability

of certain products or services does not justify the amount of effort and resources

that go into producing them. By raising their prices, they may lose a percentage of

their customers, but the remaining percentage generates a profit on every sale.

Could this be appropriate for you?

Sometimes you need to change your terms and conditions of sale. Sometimes, by

spreading your price over a series of months or years, you can sell far more than

you are today, and the interest that you can charge on the amount that you carry

will more than make up for the delay in cash receipts. Sometimes you can combine

Million Dollar Habits – Page 180

products and services together, with special offers and special promotions.

Sometimes you can include free additional items that cost you very little to

produce but which make your prices appear far more attractive to your customers

than they were before.

In business, as in nature, whenever you experience resistance or frustration in any

part of your sales or marketing activities, be open to revisiting that area. Be open to

the possibility that your current pricing structure is not ideal for the current market.

Be open to the need to revise your prices if necessary to remain competitive, to

survive and thrive in a fast changing marketplace.

Proper Promotion Is the Key to High Sales

The third habit in marketing and sales is for you to develop the habit of thinking in

terms of promotion all the time. “Promotion” includes all the ways that you tell

your customers about your products or services, and how you then market and sell

to them.

Small changes in the way you promote and sell your products can lead to dramatic

changes in your results. Even small changes in your advertising can lead

immediately to higher sales. Experienced copyrighters can often increase the

response rate from advertising by 500% by simply changing the headline on an


Large and small companies, in every industry, continually experiment with

different ways of advertising, promoting and selling their products and services.

Million Dollar Habits – Page 181

And here is the rule: whatever method of marketing and sales you are using today

will, sooner or later, stop working. Sometimes it will stop working for reasons you

know, and sometimes it will be for reasons that you don’t know. In either case,

your methods of marketing and sales will eventually stop working, and you will

have to develop new sales, marketing and advertising approaches, offerings and


Sales Training Can Double Your Sales

One of the most important parts of promoting your product or service has to do

with the exact way that the product is sold when your customers are face to face

with your salespeople. What are the exact words that are used? What is the exact

offer that is made? What is the exact process that is used to identify the customer’s

needs, make presentations and close the sale?

Fully 70% of salespeople in America have never been given this type of sales

training. Instead, all they have received from their companies is “product training.”

This is usually because many companies are operated by people who have not been

in the sales field themselves. As a result, they are blind to the fact that fully 80% of

sales success, if not more, is determined by the quality of the salespeople when

they are face-to-face with the customer. Small improvements in the quality of this

interface can lead to dramatic improvements in the level of sales, no matter what

the product and service, and no matter what the state of the current market.

In my personal work with more than 500 companies, and more than 500,000

salespeople, I have found that small changes in sales proficiency often lead to rapid

Million Dollar Habits – Page 182

increases in sales results. I have worked with literally thousands of individuals, and

hundreds of companies, who have been able to increase their sales five and ten

times by learning and practicing better sales methodologies.

Where Your Product Is Sold Or Bought

The fourth “P” in the marketing mix is the “place” where your product or service is

actually sold. Develop the habit of reviewing and reflecting upon the exact location

where the customer meets the salesperson. Sometimes a change in place can lead

to a rapid increase in sales.

There are many different places where you can sell your product. Some companies

use direct selling, sending their sales people out to personally meet and talk with

the prospect. Some sell by telemarketing. Some sell through catalogs or mail order.

Some sell at tradeshows, or in retail establishments. Some sell in joint ventures

with other similar products or services. Some companies use manufacturers

representatives or distributors. Many companies use a combination of one or more

of these methods.

In each case, the entrepreneur must make the right choice about the very best

location or place for the customer to receive essential buying information on the

product or service that he needs to make a buying decision. What is yours? In what

way should you change it? Where else could you offer your products or services?

How Good Does It Look?

 – Page 183

The fifth element in the marketing mix is the “packaging.” Develop the habit of

standing back and looking at every visual element in the packaging of your product

or service through the eyes of a critical prospect. Remember, people form their

first impression about you within the first 30 seconds of seeing you or some

element of your company. Small improvements in the packaging or external

appearance of your product or service can often lead to completely different

reactions from your customers.

With regard to the packaging of your company, and your product or service, you

should think in terms of everything that the customer sees with his or her eyes from

the first moment of contact with your company, and all the way through the

purchasing process.

The element of packaging refers to the way your product or service appears from

the outside. Packaging also refers to your people, and how they dress and groom. It

refers to your offices, your waiting rooms, your brochures, your correspondence

and every single visual element about your company. Everything counts.

Everything helps or hurts. Everything increases the confidence of your customer in

dealing with you, or lowers his or her confidence in dealing with you.

When IBM started, under the guidance of Thomas J. Watson, Sr., he very early

concluded that fully 99% of the visual contact that a customer would have with his

company, at least initially, would be represented by the salespeople for IBM.

Because IBM was selling relatively sophisticated high-tech equipment, Watson

knew that customers would have to have a high level of confidence in the

credibility of the salesperson who was encouraging them to buy. He their

 – Page 184

instituted a dress and grooming code that became an inflexible set of rules and

regulations within IBM.

As a result, every salesperson was required to look like a professional in every

respect. Every element of their clothing, including dark suits, dark ties, white

shirts, conservative hairstyles, shined shoes, clean fingernails, and every other

feature gave off the message of professionalism and competence. One of the

highest compliments a person could receive was “You look like someone from


Revamp Your Personal Image

Many companies change their results by establishing a dress code for the people in

their company who deal with their customers. They know the importance of

appearance. During the dotcom boom of the late 90s, when business was

exploding, many young dotcom executives would come to work in shorts, sandals

and undershirts. But they would keep a business suit nearby to change into if a

customer or venture capitalist came to visit. They recognized that people make

lasting and important decisions based on how they look on the outside.

Many of my entrepreneurial clients return home from our Coaching and Mentoring

sessions and completely revamp their images, changing their ways of dressing and

grooming so they look better and more credible to their customers.

They often renovate their offices, especially their waiting rooms, so that when their

customers visit, the first thing they see are beautiful, professionally appointed

– Page 185

premises. In every case, my clients report to me that their customers are more open

and receptive to buying, and easier to deal with, when their surroundings are

attractive and professional.

Ask yourself some questions. Do you dress and look like a first class professional,

in every respect, when you go to work, and when you meet with your customers or

suppliers? Are you proud of the appearance of your staff? Do you feel happy to

introduce your staff, with the way they currently dress and look on the outside, to

your customers and supplies? Are your offices neat, clean, organized and

attractive? Are you proud to have critical customers visit you and walk around

your facilities?

Especially, do your products look absolutely excellent on the outside? Are your

brochures beautifully designed and printed? Is your packaging attractive? Are you

proud of every visual element that strikes the eyes of your customers in their

dealings with you? Is there anything that you could or should change or improve to

create a better visual image for your customers? If your answer is “yes” for any

reason, you should act immediately to change what needs to be changed.

Position Yourself Properly

The next part of the marketing mix is called “positioning.” You should develop the

habit of thinking continually about how you are positioned in the hearts and minds

of your customers. How do people think about you and talk about you when you

are not present? How do people think and talk about your company? What

Million Dollar Habits – Page 186

positioning do you have in your market, in terms of the specific words that people

use when they describe you and your offerings to others?

In the famous book by Reis and Trout, Positioning, they point out that how you are

seen and thought about by your customers is the critical determinant of your

success in a competitive marketplace. Attribution Theory says that most customers

think of you in terms of a single attribute, either positive or negative. Sometimes it

is “service.” Sometimes it is “excellence.” Sometimes it is “quality engineering,”

as it is with Mercedes Benz. Sometimes it is “the ultimate driving machine,” as it is

with BMW. In every case, how deeply entrenched that attribute is in the minds of

your customers and prospective customers, determines how readily they will buy

your product or service, and how much they will pay.

Develop the habit of thinking about how you could improve your positioning.

Begin by determining the position that you would like to have. If you could create

an ideal impression in the hearts and minds of your customers, what would it be?

What would you have to do in every customer interaction to get your customers to

think and talk about you in that specific way? What changes do you need to make

in the way you interact with customers today in order to be seen as the very best

choice for your customers of tomorrow?

People Are Everything

The final part of the marketing mix is the “people.” Develop the habit of thinking

in terms of the people inside and outside of your business who are responsible for

every element of your sales and marketing strategy and activities.

Million Dollar Habits – Page 187

It is amazing how many entrepreneurs and businesspeople will work extremely

hard to think through every element of the marketing strategy and the marketing

mix, and then pay little attention to the fact that every single decision and policy

has to be carried out by a specific person, in a specific way. Your ability to select,

recruit, hire and retain the proper people, with the skills and abilities to do the job

that you need to have done, is more important than everything else put together.

In his best selling book, Good To Great, by Jim Collins, he discovered that the

most important factor applied by the best companies was that they first of all, “got

the right people on the bus, and the wrong people off the bus.” Once these

companies had hired the right people, the second step was to “get the right people

in the right seats on the bus.”

To be successful in business, you must develop the habit of thinking in terms of

exactly who is going to carry out each task and responsibility. In many cases, it is

not possible to move forward until you can attract and put the right person into the

right position. Many of the best business plans ever developed sit on shelves today

because they could not find the key people who could execute those plans.

Putting It All Together

You have now developed the habit of marketing orientation, continually thinking

in terms of marketing strategy and the seven “P” marketing mix.

Million Dollar Habits – Page 188

You have developed the habit of customer orientation, continually thinking about

your customers and how your activities, at every level, affect them and influence

their buying decisions.

In your development of the habit of sales orientation, there several smaller but

equally important habits you must develop to maximize your business potential.

Sales orientation requires that you think continually about how to make more sales,

better, faster and easier, and more profitably than ever before. In reality, the sales

effort is where the rubber meets the road in every competitive business.

An average product that is aggressively sold by first class professionals will

dramatically outsell a superior product that is sold in a mediocre way by untrained

salespeople. There are seven key habits that you must develop as a sales expert.

Habitually thinking about each of these seven elements of the sales process, and

how each of them could be improved, is the key to increasing your sales, your

revenues and your profitability.

Finding Ideal Customers

The first habit of top salespeople is that they think about prospecting most of the

time. To succeed greatly in sales, you must develop the habit of “spending more

time with better prospects.” You must develop the habit of prospecting and looking

for new business 80% of the time. You must be prospecting morning, noon and

night. You must never relax in your prospecting efforts until you have so many

customers that you do not have enough time left in the day to sell and satisfy all the

people who want to buy from you.

 – Page 189

If you have analyzed your business in terms of specialization, differentiation, segmentation and concentration, you will already have a good idea of the customers and prospects that you should focus on. If you have analyzed your business in terms of the seven P’s: Product, Price, Promotion, Place, Packaging, Positioning and People, you will be able to zero in more accurately on exactly those prospects who can most benefit the most rapidly from the product or service that you offer. But you must develop the habit of thinking about prospecting all the time, whether you are a salesperson, or whether you own the entire company.

Relationships Are Everything

The second habit for sales success is the habit of focusing on the relationship before anything else. You should focus on establishing rapport, trust and credibility with each prospect from the first contact. The most successful salespeople, once they have identified a key prospect, take as much time as is necessary to establish trust with that client. They ask good questions and listen closely to the answers. They lean forward and take careful notes. They seek to understand the customer’s situation and needs before they make any attempt to talk about their product or service. The rule is this. “If the customer likes you and trusts you, the details will not get in the way of the sale. If the prospect however, is neutral toward you, or even worse, negative, the details will trip you up every step of the way.”

– Page 190

Identify Needs Clearly

The third habit of top salespeople is that they make a habit of asking questions and identifying the real needs of the prospect relative to what they are selling. Most prospects are not aware that they can improve their life or work situation when they first meet you. This is the reason that prospects often say things like, “I’m not interested,” or “I can’t afford it,” or “We’re quite happy with our existing situation or supplier.” This is normal and natural. Most products and services that you sell are new, different and offer advantages and benefits that the customer is not yet aware of. The more you ask questions about the customer’s situation, and suggest that he or she could be much better off with what you sell, the more open the customer becomes to learning about your product or service, and eventually buying it.

The Presentation Is Where the Sale Is Made

The fourth habit developed by all sales professionals is the habit of making excellent, logical, well thought out presentations of the features and benefits of their product. Once they have clearly identified the customer’s wants and needs, they show the customer that his or her needs can be ideally satisfied by their product or service, and in a cost effective way. In reality, the sale is actually made in the presentation. If you have identified a prospect who can benefit from what you sell, established a comfortable level of trust and rapport, and identified his or needs clearly, the presentation is where you

 – Page 191

show the customer why it makes excellent sense for him or her to take action on

your recommendations.

Friend, Advisor, Teacher

In effective selling, you position yourself as a friend, an advisor, and a teacher. As a friend, you make it clear that you are more concerned with helping the customer to solve a problem or satisfy a need than you are about simply making a sale. Once the customer realizes that he or she can trust you and what you say, the customer will relax and open up. He or she will then tell you everything you need to know to help him or her to make a buying decision, or to determine that your product or service is probably not appropriate for this customer at this time. In positioning yourself as an advisor in the sales presentation, instead of trying to overwhelm resistance, you instead present what you are selling as a solution to a problem, or as the satisfaction of a need. You present your product or service by giving advice that helps the customer to understand why what you sell will improve his or her life or work situation. You invite comments and you make recommendations rather than attempting to induce the customer to buy. Finally, you position yourself as a teacher by educating your customer in how he or she can most benefit from what you are selling. The more that you focus on learning about the customer’s situation, and then teaching the customer how much better off he or she can be with your product or service, the more the customer will

relax and trust you, and accept your recommendations.





You can’t fly with the eagles if you continue to scratch with the turkeys

The critical difference between success

and failure was contained in the habit of taking the initiative. Managers and

executives who were on the fast track were constantly moving out of their comfort

zone and taking the initiative to try new things in new areas.

If you can win complete mastery over self, you will easily master all else. To

triumph over self is the perfect victory.”

Your ability to choose excellent financial advisors can be the critical factor in making good investment decisions. Develop the habit of investigating before you invest in anything. The rule is,

“Spend as much time investigating the investment as you spend earning the money

that you are thinking of investing.”

The ultimate

end or purpose of all human life is the achievement of personal happiness.”

He who would rule must learn to obey.





It’s time to say ‘’ no ‘’to those people who distract you every day. They’re not on your most important list, so why are they stealing your time? From now on protect your family time and personal time. Be polite but firm..

Bestselling author Stephen Covey Provides a good analogy He says you should treat your most important relationships like a bank account. For example, the more deposits you make in your core relationships` bank account, the stronger these associations become. In the Process you become more valuable to these people.
Normally, money is what you deposit at the bank. However with your core relationships you can make a variety of deposits, with your core clients in business, you will probably offer special service and all those little extras that define you as unique. These may include golf outings, dinners or special trips. Other health deposits include allocating time to share ideas or advising how to handle certain challenges.

Pay attention to your intuition. That gut feeling will guide you. Don`t let your heart rule your head.

When we are too emotionally involved, we often make bad decisions. Give yourself time to think before rushing into any relationship..

Why would you choose to build relationship with people you don`t trust, don`t respect or don`t like? Going ahead when your instinct is telling you not to is a formula for disappointment or even disaster.
There are lots of excellent people out there to enjoy your valuable time with so whether it`s marriage, a business partner or hiring a sales team, choosing the right people is critically important to your future health and wealth choose carefully.

Awareness is always the first step to Progress. Be creative.
We are creatures of habit you cannot repeat your mistake twice
Changing your behavior is the only way you will get a different result.
Powerful relationships ensure powerful results.
All excellent relationships have a starting Point.

Don`t worry about those who talk behind your back, They are behind you for a reason.

Don`t depend too much on anyone in this world. Even your shadows leaves you when you`re in darkness.

Learn from your mistake. After all, tomorrow is a new day, another opportunity to perform better. Make reflection a daily habit. It only takes a few minutes, and it will make you stronger and wiser in the weeks and months ahead.

Your Habit Will Determine Your Future.6-10-122

Gratitude unlocks the fullness of life. it turns what we have into enough, and more. It turns denial into acceptance, chaos to order, confusion to clarity. It can turn a meal into a feast, a house into a home, a stranger into a friend, Gratitude makes sense of our Past, bring Peace for today, and creates a vision for tomorrow.

Without Courage you cannot achieve anything in this world, but with courage and proper information the sky is not a limit for you a step to a colorful world of testimonies.

Be thankful for what you have: You`ll end up having more. If you concentrate on what you don`t have, you will never, ever have enough.

A thankful heart is not only the greatest virtue, but the parent of all the other virtues.

Gratitude is a quality similar to electricity; it must be produced and discharged and used up in order to exist at all

Got no check books, got no banks. Still I’d like to express my thank to God I got the sun in the morning and the moon at night.

I awake this morning with devout thanksgiving for my friends, the old and the new.

To explore what it would means to live fully, sensually alive and passionately on Purpose, I have to drop my Preconceived ideas of who and what I am.

Reflect upon your present blessing—–of which every man has many—- not on your Past misfortunes, of which all men have some.

We often take for granted the very things that most deserve our gratitude.

The more you recognize and express gratitude for the things you have, the more things you will have to express gratitude’s for.

The most powerful weapon on earth is the human soul on fire.

Stand for something or you will fall for anything, Today`s might Oak is yesterday`s nut that held it`s ground.

If you have a purpose in which you can believe. There`s no end to the amount of things you can accomplish.

What will they think of me? Must be put aside for bless.

It is not enough to be busy: so are the ants. The question is: what are we busy about?

Don`t give to get something back just experience the sheer joy of giving.

Happy people have two things in common, they know exactly what they want and they feel they`re moving toward getting it. That`s what makes life feel good: when it has direction, when you are heading straight for what you love.

To blessed with visions is not enough we must live them.

The Purpose of life is to discover your gift. The meaning of life is to give your gift away.

If you don`t know where you are going, you will probably end up somewhere else.

Purpose is the place where your deep gladness meets the world`s needs.

Trust your intuition and be guided by love.

Throw your dreams into space like a kite, and you do not know what it will bring back: a new life, a new friends, a new love, a new you, a new country.

Pure love is a willingness to give without a thought of receiving anything in return.

Our Prime Purpose in this life is to help others, And if you can`t help them, at least don`t hurt them.

In a world where there is so much to be done, I felt strongly impressed that there must be something for me to do.

Hatred does not cease through hatred at any time. Hatred cease through love. This is the eternal rule.

The ultimate lesson all of us have to learn is unconditional love. Which includes not only others but ourselves as well.

Love is the truth. Love is the light.

To live in this world you must be able to do three things: to love what is moral: to hold it against your bones knowing your own life depends on it: and when the times come to let it go, to let it go.

If you appreciate this site and find it useful please join our supporters via our Partnership Page God bless you.

Life is the first gift, love is the second, and understanding the third.

Failure is a judgment, an opinion. It stems from your fears, which can be eliminate by love- love for yourself, Love for what you do, love for others, and love for your planet.

The ability to discover your assignment on earth is what takes you to the top.
When you are down on your back, if you can look up, you can get up.

Yesterday`s failure are today`s seeds. That must be diligently Planted to be able to abundantly harvest tomorrow`s success.

Past is experience——-Present is experiment——-Future is expectation—– so use your experience in your experiment to make your expectation come true.

eG9tNnFtMTI=_o_for-the-glory-of-god-shall-all-receive-glory-by-jesus-The secretes of king Solomon’s greatness. he was unselfish in his prayers. He prayed for wisdom to the benefits of his people. He put GOD first. 2 chronicles 8:1. He first built GOD’s house before his own. And GOD blessed him beyond repair. Do you want to be great and be blessed beyond repair by GOD? Serve GOD first and put GOD’s angenda first before yours. In return He will certify you with great riches and honor here on earth and in heaven. God will not forsake you.

Songs of Carefulness
Let us praise God oh my brothers
Let us praise God oho my sisters
With our voices Let us praise Him
(He will ask you what you gave Him (x2)img_3045
1. You may think that you are so wise that you cannot worship our God, Like king Solomon who was so wise just a woman brought him down (x2)
2. You may think that you are handsome and you cannot worship your God just take a look at king David Just a woman brought Him down (x2)
3. Can you say that you are too young that you cannot worship your God there are young men like timothy they were young but worship God (x2)
4. You may think that you are too strong that you cannot worship your God Look at Samson who was so strong Just a woman brought him down (x2)
5. You may think that you are too old that you cannot worship your God there were people like Abraham He was old but worship God (x2)
6. You may think that you are a warrior that you cannot worship your God like siseria as a warrior Just a woman brought him down (x2)

Whatever your talent is, you should polish it by getting the necessary training. Training enables you to effectively and efficiently apply your talent(s) at providing solutions to the needs of the society; this is because you have a greater understanding of the problems and your abilities. You can acquire training by attending a school, special training programmes (e.g workshops) and by apprenticeship.

It is equally important that you get some experience and exposure of the industry you wish to functioning before starting your business. Many businesses fail soon after starting because their owners acquired little or no experience and exposure before launching out. Also endeavor to experience your business idea privately before launching it openly.

Apply your talent, knowledge, experience and exposure at creating goods and services to meet human needs. Establishing a business and its success will depend greatly on your creativity in every area of the business.
Advertisement is a powerful tool in marketing and increasing customers favorable perception about your product or service. However good your product is without letting the public being aware it will only need to poor sales. you must advertise your product(s) or service(s) for people to the aware.
Have and executive plans to grow your business. Don’t remain small, else, you may not survive long. To grow means to increase your product line, i.e. to increase the number of products you offer the public. This brings in more revenue to the company.
As a business owner and manager, you will always be involved in taking one decision or another. The decision you take can make or mar your business, hence, this is one area you will really have to be extra careful. You should depend on God’s wisdom and direction, its more rewarding and better.
Know your customer well. Know their taste, behaviors’, income e.t.c. If you do, you would be able to provide product that meet their needs, in a form or package that is adorable to them and at a price they can be readily afford.
Promote your business by giving gift and prizes to your customers. People love to have free things e.g. put a small gift in a product as a way of promotional sales. Promotion helps you to retain and win more customers, and subsequently, increase your sales.
Be responsive to fulfilling your social obligation to the community in which you operate. Give part of your profits for social developments. Give back to the society where you operate from. You can do this by sponsoring a social cause e.g. sport competition, school development programme, culture promotion etc. Also set aside a percentage of your profit for development projects. This will help to boost your image and portray you as a good corporate citizen.
As the saying goes, “two good heads are better than one” This is true. There are more benefits in partnership: very important, when you bring your individual ideas together, you are bound to make better decision on issues, than an individual would. You may be able to jointly raise money and other resources needed for your business, rather than trying to get it done alone, partnership enables responsibilities and risks to be spread amongst all partners. You can also grow your business by acquiring other firms and forming partnership with firms in your industry. Pfizer acquired J. B Roering and company and formed initially partnership with Taito of Japan before completely acquiring it. Example of wonderful business partnership is that between Charles Pfizer who was a chemist and Charles Erhart who was a confectionist, and together they took Pfizer Pharmaceutical Company to greater height. In 1992 Pepsi-Cola formed partnership with Lipton Tea, to distribute single Lipton original Brisk Products. To achieve certain objectives, you may consider partnering with other people or organizations. For instances, if you are expanding into a foreign land, it may be advantageous to form partnership with an indigene. Partnership provides joint experience and resources.
When your staffs are continually trained, they gain knowledge and confidence, and feel a sense of job security. You will be able to retain and attract good people, who are the ones to execute the plans of the company and take it to it’s expected position.
The greater the quality of your staffs, the greater the vibrancy, efficiency and effectiveness of your operation.
You must know why you are and want to be to be in business. Your purpose should not be just to make profit. What exactly are you providing? And who exactly are you providing for? This will help to remind, focus, guided and enable you concentrate your time and resources on the business efficiently and effectively. Arthur Guinness had a mission to tackle the English brewers at their own game, i.e. to develop a beer better that the London Porter.
Start small and target the low income earner. These groups of people are in the majority; hence, your product(s) and / or service(s) stand a good chance of being tried by many people. As they guadually become used to your product or services, you then grow into the higher income bracket. Besides, and most importantly, you would have learnt a great deal of lessons about your business – lesson you can only learn from the process of growing.
The level your business can reach depends primarily on your vision, and commitment to actualizing it. The scripture said “Where there is no vision, the people perish … it also encourages us to ‘’write the vision, and make it plain upon tables …..
For the vision is yet for an appointed time, but at the end it shall speak ,and not lie, though it tarry. Wait for it; because it will surely come, it will not tarry. As a business owner you must have a wide vision. Do not think and dream small!! if you do, you will be unable to apply your talent, creativity, and innovativeness to overcome the challenges that will arise with the change that are always, and must occur in the society. You become unambitious without a sense to achieve anything! Your business, even if successful at the beginning, may not last for long let the vision for your business be wide! See your business in many locations, both near and far.
When you do things differently or distinctively. You immediately stand out and are recognized. You become a pioneer in the field; no wonder successful companies are those which are innovative. When a company ceases to be innovative you can be sure that death is near! Be it in public relation, production or advertisement. Wonder Food Nigeria Limited, the producer of Cowbell Milk introduced powder milk in sachet, Fred Smith designed an innovative breakthrough concept, a “hub and spokes” system delivery. After you have identified a need that you can meet, seek to meet it in a special and unique way, such that the customer would see your products (s) and or service as being distinct and of more value than those of other competitors before it. Be innovative in all areas of your business. It sets you apart and shoots you to the top instantly. Francis Bacon said “He that will not apply new remedies must expect new evils; for time is the greatest innovator.
To be successful in business and, indeed other aspect of life, you must be determined against all odds, to succeed. Though the circumstances surrounding you may portray doom prospect for your course, yet, your determination is all that it takes to make the difference. Even though the economy was crashing, leading to companies packing up, the Procter and Gamble Company was being formed by men who believed deeply they would succeed against odds. And they did!
The Pepsi- Cola Company has been bankrupt thrice but through the determination of it`s management team, the company today is known to be one of the leading soft drink giants in the world. Arthur Guinness took a business gamble when he decided to focus exclusively on brewing stout but his determination and conviction paid off. Guinness is now been brewed in over thirty-five Countries around the world. My Friend wake up take responsibility of your destiny now you can do it. The Scripture said “Now faith is the substance of things hoped for, the evidence of things not seen. “But without faith it is impossible to please him; for he that cometh to God must believe that he is, and that he is a rewarder of them that diligently seek him.” Heb. 11:6. To succeed in your business, you must have total belief that it would work, and be determined to face and overcome every challenge on it`s path to business success. Even when nothing seems to be working right, your faith in God and determination to succeed must be alive to keep you on track. Have faith in God” mark 11v22b. “The just shall live by faith “Romans 1v17b.
Don`t let your respect for modern technology replace the fundamentals of what will make your business successful. Focus on what generates income and effort in its area. To attain the height of a great business owner is a journey. Don`t allow trivial issues to distract you from getting to your destination.
You must be trained in the line of business you intend to pursue. Don`t jump into business simple because you`ve got the money. There are things you need to learn to help you remain competitive in the market place. You may do this by attending the relevant training, on the job experience, or both. Don`t be in a hurry, take the needed time to have experience. Caleb Bradham, the founder of Pepsi- cola drink had undergone considerable training in pharmacy and also worked as part-time to develop his skill. Arthur Guinness, the founder of Guinness beer worked for 4 years for a local brewery to improve his brewing skill. James Gamble, a co-founder of Procter & Gamble (P & G) apprenticed himself to a soap maker who taught him the science and art of making soap.
As a business owner, you must keep your antenna up twenty- four hours of the day in search of opportunities, which always spring up with every change, wheather favorable or not, in the community. So be observant to be able to see and seize the opportunities that are always coming up in your industry. Change is constant they say, and it is true; as long as the society continues to change in demography, taste, education, income, fashion etc. There will always be opportunities for you to meet new needs evolving. Arthur Guinness recognized that locally brewed ales were of low quality, and that imported one became more preferable, perhaps due to change in taste of the people. He saw a great opportunities to enter the industry since he knew he could do better, and he did just that and great was the outcome of it`s entry. The Procter and Gamble Company went ahead still, even when the drums of war were audibly being sounded, to build a new plant. They think this rather seemingly foolish move because they foresaw a great opportunity for their business in war time. A move that truly brought them great gains. Coca-cola Nigeria Plc a reputable soft drink industry recognized opportunity in the fruit juice industry with the manufacturing of `5 alive` product after its ban from the Nigeria market.
Whatever it is that you do, have a mark for excellence. Make your products better in value than your competitors, and at an affordable price. Having a better quality product can shoot you astronomically to the top of your industry. Nigerian Bottling Company bottled Eva Table Water so well that it almost drove away all other similar brand from the Nigerian market.
The same can be said of MR. BIGGS, an operator of fast food outlet which has become an household name among the people because of its excellence production of snacks and food.
The success or failure of any company or business depend on the people who run it (i.e ; your employees). It has been proven that people perform better when properly motivated. Therefore, you should motivate your employees. Some of the ways you can achieve this include: to provide them an opportunity to be able to have their personal goals met, and to create an enabling process that would make them feel being part of the business, rather than just employees. At MR BIGGS, every staff is entitled to any snacks of his or her choice on daily basis. Also at Guardian Newspaper, every member of staff is entitled to complimentary copy of the newspaper every day. PZ industries and Cadbury usually sell it`s products to it`s employee at a reduced prices monthly. The above motivated techniques used by the under mention companies had strengthened their work force to be dedicated, loyal, faithful and committed to the growth of the establishment.
“There is only one boss. The customer. And he can fire everybody in the company from the chairman on down, simple by sending his money somewhere else- SAM WALTON. Several years ago, a young University graduate decided to start his own business. With the help of his grandfather, a successful businessman, he thought he would build his own beverage company. After a couple of weeks in the business the two men met for lunch. The grandfather asked the graduates how many customers, he had. The grandson replied, “Son yet. I`ve been very busy hunting the proper system” “Son, until you have a customer you don`t need a computer system. You don`t even need an office or a desk. You need customer.”
After listening to the advice of his successful mentor, put aside the lesson in “strategic planning” he learned in the University and went in search of customers. Today, he is a successful businessman because according to him, “you cannot sell anything to a desk.
Another important reason why customers should be treated as kings with all attention and reliability is related in the following story. A man who had been quite successful in the manufacturing business decided to retire. He called in his son to tell him of his decision saying, “ The son, while eager to take over the firm and exert his own brand of business strategy, also realized what a big responsibility he was facing, “I will be grateful for any word of advice you have to give me” he said to his father.
The father advised, “Well, I1ve made a success of this business because of two principles: reliability and wisdom. First, take reliability. If you promise goods by the tenth of the month, no matter what happens you must deliver by the tenth. Your customers won`t understand any delay. They will see a delay as failure. So even if it cost you overtime, double time, golden time, you must deliver on the promise” ,The son thought about it for few moment and then asked, “ And wisdom?” The father shot back” “wisdom is never making such a stupid promise,”
So business owners are admonished to attract customers with discount on product, free gifts, price deduction in season’s promotional sale with a view to increase its customer drive without which business may be down.
Take your product or service where your market is, i.e. to where you can locate people who are likely to use it. Never keep your product or service at a place while waiting for potential customers to come. Dr. John Pemberton, the originator of Coca- Cola drink, a highly educated man, without a feeling of shame, took his product to where he could find potential consumers for his drink. This method of Advertising can still be used, today for maximum reward.
Initiative is the rule in business survival in the face of competition in the market place. The following are success stories of what initiative can do to business growth and development.
Always be innovative in every area of your business including product design and marketing, when designing or creating your product or service, make sure it has features that are capable of retaining consumers interest.
HEWLETT PACKARD’S: Initiative in low-cost printers eroded the apparent indispensability of the copying machine, a multibillion dollar industry dominated by Xerox and others.
“The power of a man increases steady by continuance in one direction” – RALPH WALDO EMERSON
“Paul stem said, ”there’s only way to get where you want to go: that’s to make up your mind where you ‘ re going and then go without excuses and without exceptions.”
A lot of people jump from one business to another, just because other’s are making it there. Concentrate on one particular business and with time you will be known for it and people will begin to sort you out. Don’t be jack of all trade, master of none.
Don’t let your respect for modern technology replace the fundamental of what will make your business successful. Focus on what generates incomes and put your time and effort in this area.
Williams Mathews said “ the first of success is concentration to bend all the energies to one point, looking neither to the right nor the left.”
Daniel Meacham also counseled the business owner on the need of concentration. He said “keep your eye on the road, and use your rear view mirrow only to avoid problems.
Find out the level of pricing in the industry before placing a price on your product service. I will advice that your pricing should not be determined solely on the cost of production, since as a beginner, your cost of production is likely to be very high, which will put your price on the high side. Let your pricing be such that large number of your potential consumers can afford you’re your product or service – don’t ever try putting your price closely below or above that of the market leader in your industry.
Moving out to other business is a good way to tap into available opportunities, and also to increase your revenue base. Diversification is a practice of all successful companies. For instance, Dangote group of companies is known for product merchandising in Nigeria. But today it has diversify into manufacturing of cement, flour, salt and other food supplement. So also is Honeywell Group which has diversify into every sector of Nigeria economy including oil and gas, electronic, heavy duty equipment, flour etc. However, be sure that your business is well established before setting out to other areas. Otherwise, you may end up dissipating your resources and losing focus, which could lead to the collapse of your enterprise.
It is very likely that your dream to be realized immediately. This may not be. Don’t be discourage when your product or service is not selling immediately you enter the market. Remember Walt Disney of Disney land world did not get the contract for the distribution of his product immediately he arrived Hollywood, he got it, after several months of business.

Success Goals!hpoe
Success is goals and all else is commentary. This is the great discovery throughout all of human history. Your life only begins to become a great life when you clearly identify what it is that you want, make a plan to achieve it and then work on that plan every single day.
“The primary reason for failure is that people do not develop new plans to replace those plans that didn’t work.” (Napoleon hill) The three turning points in my life were these: First, l discovered that l was responsible for my life, and for everything that happened to me. I learned that this life is not a rehearsal for something else. This is the real thing. In every study of successful people, the acceptance of personal responsibility seems to be the starting point. Before that, nothing happens. After you accept complete responsibility, your whole life begins to change.
The second turning point for me, which came when l was 24 years old, was my discovery of goals. Without really knowing what I was doing, l sat down and made a list of 10 things l wanted to accomplish in the foreseeable future. l promptly lost the list. But 30 days later, my whole life had changed. Almost every goal on my list had already been achieved or partially achieved.
The third turning point in my life came when l discovered that “you can learn anything you need to learn to accomplish any goal you can set for yourself.” No one is smarter than you and no one is better than you. All business skills, sales skills and moneymaking skills are learnable. Everyone who is good in any area today was once poor in that area. The top people in any area. The top people in every field were at one time not even in that field and didn’t even know that field existed. And what hundreds of thousands of other people have done, you can do as well.
The Goal-Setting Process
1. Decide exactly what you want in every key area of your life.
Start off by idealizing. Imagine that there are no limitations on what you can be, have or do. Imagine that you have all the time and money, all the friends and contacts, all the education and experience that you need to accomplish any goal you can set for yourself.
Imagine that you could wave a magic wand and make your life perfect in each of the four key areas of life. If your life was perfect in each area, what would it look like?
1. INCOME- how much do you want to earn this year, next year and five years from today?
2. FAMILY- what kind of a lifestyle do you want to create for yourself and your family?
3. HEALTH- how would your health be different if it was perfect in every way?
4. NETWORTH- how much do you want to save and accumulate in the course of your working lifetime?

There is victory in obedience. Prophetic blessings are primarily activated by hearkening to Prophetic Words. As Almighty As God is, If you don`t obey what He says, He cannot do anything for you. What is obedience, is keeping to spiritual and physical Principles when it is not convenient for you. In other words doing things as demanded not as you want.
Obedience was the stronghold of Abraham`s faith it was the backbone of his success. He used obedience to commit God to his lifting. Nothing warms the heart of God in your direction like obedience. It compels divine intervention any day. Obedience is the hardest currency in the kingdom: it can Purchase for you any good thing you desire. Obedience can Precure you abundance-remember how by obedience the widow of Zarephath enjoyed abundance (1 king 17) by obedience, water was turned into wine, The truth is, when you commit obedience. God is committed.
Prayer will never deliver to you what obedience will. As a matter of fact Prayer and fasting are waste of energy where there is disobedience. When we talk of obedience to Prophetic instructions, it is not just obeying, but excited delightsome and willful obedience. Rd. (Job 36:11:12) (Isa 1: 19:20) (Pro 28:13:14)
Beloved, obedience was the secret of Abraham`s success. I define disobedience as somebody saying Capital No to a Particular thing. While I define Rebellion as somebody saying I will do it but in my own way. Obedience is your Covenant access to abundance. The reason some People are getting results and others are not, is that some are taking steps while others are doing nothing. When a man takes some steps, God has no choice but to Act

Do not accept failure and defeat. Lift up your head as if you were a king. You do reign in this life as a king. Through Jesus Christ. Rom 5v17. Repeat this confession until doubt flees away. You are been blessed with God`s grace. God has poured out upon you a river of favour with God and with those around you. Reject the things you have been feeding into your mind. Accept only what the Lord has told you.
The truth makes you free, declared the Lord in Jn 8v32. Speak this truth over and over, God is pouring out upon me today the spirit of favour.
Expect success and favour with God and man, and you will get exactly what you expect. Expect good things to happen to you today. Do not leave the house without some spiritual exercise and prayer confessing this truth. Then confess it to the family. Get them to confess it together. You may have a friend whom you want to call to agree with you in this confession. When they fed truth into their spirits, success began to flow from them again.
I decree that as a lady due for marriage but still a dependant on your parents, your husband will show up, in Jesus name. As a man who should by now be a father to children but still wandering about God will visit you and surprised you in Jesus name.
God has power to surprise anybody. He will surprise the people you have been begging for clothes, contracts and favour in the mighty name of Jesus.
Get ready double promotion from the lord will be your portion, in the name of Jesus.
Your sickness will disappear in the name of Jesus.
All the enemies you see today, you will see them no more, in the name of Jesus.
As a child of God, you have to battle to with the powers of darkness to save the souls of men.
Your benefactors will come looking for you from the north, south, east, and west.
Those who are laughining at you right now will laugh with you later on.
God can erase whatever is your past that is causing you trouble today.
All those who have been mocking you will look up and see you high up.
Your best days are still ahead of you, rejoice in hope.



You Need Secrets!Let-your-light-shine1

In the world of success, information is the greatest asset. That`s why the end-time Church will be given such unusual access into heavenly information, for earthly manifestations. The Church will have such unusual insight into that which even the vulture`s eyes have not seen.
Every outstanding transformation, every resounding success is traceable to discovered secrets. Certain information is handed down to you and when it is properly traded with, it brings you your desired end.

God has secrets! They are the highways to success and an insight into them guarantees outstanding success. God`s secrets are called revelations; they are heavenly information. By them He unfolds heavenly insights and mysteries to you, for earthly victories.
The ways of God are higher ways; so when you operate by His secrets, you attain higher results. The end-time Church will be given an unusual access into these heavenly information called the ways of God. Rd. Isaiah 2:3- That is, the flourishing Word of life, showing you the way to the highways of life. I welcome you to that path, in Jesus` name. Rd. Psalm 119:130
When you encounter God`s Word on any issue of life, darkness can no longer handle you in that area, because, “And the light shineth in darkness; and the darkness comprehendeth it not…”  God`s Word says, Arise, shine, for thy light is come……” Nobody shines until his light comes and light can`t come until the Word enters. It is only after God`s Word has entered you that you can become an eternal (unending) Excellency, the joy of many generations! (Isa 60:15)

Kenneth Copeland was in abject poverty; but information brought about his transformation. The story is told of how he went to Kenneth Hagin`s office in search              of Hagin`s message tapes. He was so desperate for light, that he wanted to trade off his car for the tapes. Hagin gave him the tapes and he went on to lock himself up in a room and began to feed on heavenly information.

Copeland is one of the most outstanding men of the gospel on earth today. He was transformed by heavenly secrets. He gave an aircraft as a seed to Hagin`s ministry, the first aircraft that the ministry ever had. And today, Copeland has given out more than five aircrafts as seed!
May God bring you in contact with certain secrets that will perpetually place you on the path of success. What heavenly secrets do is to bring about transformation in your life without sweet. It brings you success without struggles, giving you technical access to your objectives in life.
I am not smarter than anyone else; I`m only more informed! That is why I get better results than my contemporaries. I have a very successful home today, because God`s secrets were made available to me. My home is peaceful, tears and sorrow-free, just by the seven concepts God unfolded to me before I got married.

Friend, one secret from heaven is worth more than a whole lifetime of struggles. One secret from heaven is worth much more than ten University degree from various disciplines. It is greater in value than every connection with all the men and women of influence on the earth! One secret from heaven will make a shining star out of a dummy!  Job became an outstanding success in his days, by reason of the heavenly secrets he gained access to (Job 29). He became the greatest man in all the east, without participating in the corruption that was in the lands.



The ability to do something is the quality or skill that you have, which makes it possible for you to do it. lt is from the root word “able”. You need the trigger of ability to succeed, because as long as you see yourself as being unable to succeed, you will never have the ability to. In Number 13, twelve people were sent out on a mission to spy out Canaan. Ten of them came back with a report of Israel’s inability to possess the land.  Numbers 13:31-33 Number 13:30.  They saw their ability to possess the land and they actually did, while the men who brought the evil report all died in the wilderness.

Success has eluded many today because they see it as impossible, a feat that can’t be attained. They say to themselves, “What can I do under this circumstance? I am helpless of course, I can’t do it.” They even go as far as saying, “No one else can do it.” If   you   can’t see your ability to do a job or to succeed, you will never do it or succeed. You can’t go farther  than  you can see yourself going. Without a sense of ability, there is no outstanding accomplishment. You need to develop an ability consciousness, to tell yourself at all times and before any difficult situation, “This can be done.”

You need a sense of ability! You need to understand that God has loaded you with His grace and ability; that should make you see beyond impossibilities. Your sense of ability is what propels you to action and productivity. Until you see a situation as accomplishable, it can never be accomplished. The ten spies said, “We be not able to go up against the people.” The way you see yourself is the way you see the challenges before you. You are not taller than you see yourself before your opponent. The spies said, “And we were in our own sight as grasshoppers, and so we were in their sight.”

God has loaded you with His manifold graces. For Jesus to say, “He that believeth on me, the works that I do shall he do also; and greater works than these shall he do also; and greater works than these shall he do” (Jn. 14: 12), He must know the stuff you are made of. You are made of supernatural capabilities! You are able to get things done that are beyond human imaginations, so go forward!

To succeed in life, always have the right perspective. With the right perspective, you are able to see that there is nothing in the matter before you. Before engineering was invented, people were living in houses, not in holes. So, I saw absolutely nothing difficult in roofing a house.

You have what it takes to get things done on the earth, so give it all it takes. Caleb said, “We are well able.” Every obstacle in life is a potential miracle; all you need do is to confront it. There is no mountain anywhere; every man’s ignorance is his mountain. If any man can do it, then any other man can!

If you realize that all the courses being studied today were invented by other men like you, then you won’t have any problem understanding them. How can one man invent a course and another find it difficult to understand? He thinks it is difficult to understand only because, he has not applied himself to understand it.



You Need Joybe joyful

You can’t be ‘’praise-full’’ except you are joyful. He said, ‘’is any merry? Let him sing’’ (James 5: 13) If you are not merry, you are not qualified to sing. You are not qualified to praise Him until there is joy in your heart.

Joy is an asset in becoming a success. If you are not joyful, you cut God off your affairs. But when you rejoice always, His presence is guaranteed always. Jesus said, ‘’I do always the things that please Him. ‘’ That is, ‘’I create a conducive atmosphere for Him, so My Father is with Me; He has not left Me alone. I don’t choke His presence, so He abides with me still’’

Something in me is always leaping for joy. I once said to God, ‘’Lord, even if you stop answering prayers, you’ll still remain my God.’’ You know why I’m always joyful? I reasoned with myself that what I don’t have, I don’t need, ‘’for no good thing would He withhold from them that walk uprightly.’’ So, what I don’t have is not good for me. When it’s good, He will give it to me. That’s the way to keep on.

I have never seen anybody accomplish anything with complaints and murmurings. No one has ever made a mark with worries and anxieties. Worries only wear men out, it never adds anything to anybody. Therefore, rejoice in the Lord always and again I say rejoice.

I have some Scripture-based principles that have helped me to keep on. One of them is, ‘’God is always right.’’ Only a fool fights the one he knows he cannot beat. So, everytime you complain, you have only succeeded in pitching your tent against the integrity of God.

I am simply riding on the wings of His presence. I’ m heavenly covered and enveloped. I have not found a thing strong enough to break my inside. I have always had a reason to smile at every situation; it guarantees His presence. Since Satan knows he can’t handle divine presence, he starts puncturing people’s joy. Every little thing that punctures your joy is the work of the devil, to make you lose His presence.  Rd- Habakkuk 3:17-19

Do you want to succeed in life? “Yet will I rejoice in the Lord; I will joy in the God of my salvation, and the Lord will be my strength (divine presence) and He will make my feet like hind`s feet and will make me to walk upon my high places! If only many will understand this mystery, they will be ten times better than what they are now. Do you want to succeed in your world, home and work? Then go for divine presence! Carry His presence, and they will locate you! Divine presence gives you unusual favour; with it, people can`t sight you and resist you.

Outstanding success is therefore the heritage of thankful, “praise-full” and joyful saints, because they are the ones who can provoke the hand of God to produce results.

You will not lack results! There is something in you that is crying out for expression. Look for where you can express it and profit by it as well.  You are a man of great value, you are a gifted personality. Look for where such treasures can be maximally expressed and utilized. Rd. Matt. 20:6


To succeed in life you need God. God is the beginning and the ending of every success story. To have God, all you need to do is to accept His son Jesus into your life. If you want Him sincerely say this prayer; Father, I repent of all my sins. Lord Jesus, I believe with all my heart that you died for me and was raised up for my righteousness. I confess with my mouth that you are the Lord Jesus, come into my life. Be my Lord and Savior. Thank You for saving me.

If you have prayed that prayer sincerely from your heart then you are born again. Find a bible believing church close to you and fellowship there.




Isaiah 43:18-19. Remember ye not the former things, neither consider the things of old. vs19. Behold, I will do a new thing; now it shall spring forth; shall ye not know it? I will even make a way in the wilderness, and rivers in the desert.

A new thing is not a common thing. God will do something special in your life in Jesus name.

God will not do a new thing in your life while you are still considering the former things. Proverbs 23:7.

A man is a product of his thought.

You cannot have a new beginning until you consciously allow the past to pass. Many have the problem of guilt. Guilt is the inability to forget your past. You can change your life by changing what you think.




Responsibility is the price for greatness. This is true, because until God has found you responsible, He won`t place you (1 Tim. 3:10). Another word for responsibility is self-discipline. That is, bringing yourself under rule and laws in order to attain your ultimate goals in life. Responsibility requires that one positively responds to the demands of life or Scriptures. To be outstandingly successful, one must positively apply oneself to certain demands of life and Scriptures.

Rd. 1 Cor 9:16-17 Necessity was laid upon Paul to preach the gospel, not by God, but by himself. Why? He wanted to be a successful preacher and soul winner. To him, preaching the gospel was a must—“Woe unto me, if I preach not the gospel.” It was a task that must be done. Until a task becomes a must, it never gets done. In order to attain success in life, you need to respond positively to the necessities of your life. In your home, you tell yourself, “I shall have peace in my home.”If you must have peace, then necessity is laid on you, So, “Husband, love your wives, even as Christ also loved the church, and gave himself for it. Rd (1Tim 5:8)

Necessity enhance responsibility. Let`s accept responsibility; for it`s a demand for outstanding success! Rd. 1Cor 9:19, 21. You can`t be responsible without a set of laws that guide your actions. Rd. (2 Chron. 15:3-15) To be lawless is to be lifeless. Life without law is a crises-laden life. Be responsible by bringing yourself under certain laws that will help you become an outstanding success in life!

It takes responsibility to live a life of dignity. How God rates your responsibility determines how He places you in life. Until He has proved you responsible, He won`t put you in a place of honour and dignity. Responsibility is the price for true greatness. It`s time to accept responsibility for a life of dignity. It`s time to accept the laws of Christ, that terminate all forms of crises. Rd- 1Cor 9:25.
kind word
You can never be in control of the affairs of life without self-control. It is what puts you in charge. So, if you are striving for mastery (success), then you must exercise self-control, you must be temperate. There is no greatness without responsibility; so choose to be responsible. To be irresponsible is to have no place on the earth, while responsibility will take you to the high place of life. So, look out for the necessities of life that affect your destiny and submit yourself to them. Rd. Cor 6:12

That is responsibility! Your task should be what ultimately determines your act. You should operate under certain set necessities. Some people are great givers, but are financially catastrophes because they are not accountable. God can`t entrust His riches in their hands, because He is not wasteful. He said, “Gather the remnant, let nothing be wasted,”

“God help me to live a responsible Christian life, let my light so shine before men, that they would see Your good hand upon my life, producing good works in my ways. Lord, help me to bring out the best in me on the earth.” This prayer is one you should say very often. I believe that God has helped me to trigger in you an unquenchable quest for success. That will be your experience, in Jesus name!

Somebody once said, “The road to success runs uphill, so don`t expect to break any speed records.” Indeed, the road to success runs uphill, people who are over-relaxed on the way and are not pushing uphill ever get there. You will go up, in Jesus name. Success is your birthright!


Pick up your life today and live like a youth. Dream new dreams and do new things

Spice up your life. Walk with strength and work with passion. Allow yourself to

Generate new ideas. Make new friends and visit new places. If Abraham Lincole can

Become the president of America at the age of 80, you too can break new records

Any moment from now. So, stay youthful.

Age is matter of the mind. A man is as

OId or as young as he thinks. My friend, why will you agree to take the back seat

And allow yourself to be labeled oId at the age of 50? Why will you lay down the

Trumpet in the middle of a concert with the music still inside of you? Why will

You stop the race midway?






Purpose is of no value without pursuit. Pursuit is what gives purpose value. Pursuit is the relevant force that transforms your purpose into reality. In science, they say every object assumes a state of rest or uniform motion until a force is applied to it. Nothing works by itself; every working thing is made to work by some man. Likewise, when you don`t pursue your purpose, you can`t possess it.
Rd Habakkuk 2:1-3 The vision won`t speak just because you have a vision. It would only speak at the end, as you run with it; because the winner in a race is only determined at the end. If you don`t run, you can`t get a prize. Vision or purpose is not the end itself. It`s only a means to an end. Knowing where you are going is the first step; the actual pursuit is what makes it a reality. It`s not enough to have a goal set. Goal settings is daydreaming when it lacks pursuit.
The colour of every purpose is determined by the tenacity of the pursuit involved.—- Let him run—- That God told you to do something is not enough. You are the one to run with the vision. God won`t run with it for you. Rd 1 Cor 9:24 Only runners obtain the prize. Many think that believing is a substitute for running. I have heard some people say “I am believing God” and yet are not running. They are only fooling, not believing God. He has told them what to do in order to obtain. They won`t do it, but rather claim to be believing Him.
Some Christians sit down like statues and yet expect to be crowned kings. But Rd. 1Cor 9:27. And John 9:4.

Nothing works, but for workers. Nothing moves but for movers. You have discovered the divine deposit or potential inside you. What then do you do with it? You pursue it! You run with it, not sleep with it! It is work that determines worth. To be “work less” is to be worthless. Rd John 5:17. God is a worker. The Bible records that God finished His work (Gen 2:2) He worked order, shape, beauty and form into lifeless and void world.
There are many great discoveries who are non-achievers, because they are non-runners. They know what to do, but the Bible says Rd Pro 14:23: The ultimate might be colourful, but there is a due process for getting there. The best in life is a function of your input. People don`t believe in their purpose, that`s why they lack the energy for pursuit. If you believe in your purpose, you will give it what it takes to see it actualized. Rd Pro 22:29
Every outstanding runner is always passionately consumed by his goal. Everything is towards his set goal. He is simple goal-driven and motivated. Success is not anywhere; it is in you and what you do with your purpose in life! Pro 12:11, 24, 27 when you don`t pursue your purpose, it fizzles out. Pursue your job! Go after it! It won`t until you work it. Pursue your purpose, persist in its pursuit and you will possess your desire. Success is not a gift; it`s an adventure undertaken by those who desire it. A disciplined pursuit of your purpose will earn you a future in the kingdom.a-woman-that-knows
One of the greatest enemies of success is uncontrollable sleep. The curse on the earth has been lifted. So anywhere you are is a place of success. Therefore, make the most of where you are! It is not too late to start; not starting at all is what makes you a fool. You will make a mark in your generation, as you pursue the God-given treasure on your inside.

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