Do You Have A Messed Up Life? How To Influence People’s Lives By Sharing Yours

Photo by Alan Levine

Photo by Alan Levine

I Was One Messed Up Trumpet Player

In the late 1980s, I was an undergraduate trumpet student at a prestigious music conservatory. My trumpet teacher at this school is a well-known principal trumpet of a major symphony orchestra. He is a very natural, incredible musician. In his trumpet career, he has never really encountered any personal playing problems.

I, however, have always struggled with a couple of different playing technique-related issues. My teacher at the music conservatory had no idea how to help me. At the time, he just didn’t have enough teaching experience to help me correct my trumpet playing problems. We struggled through two semesters in my sophomore year and nothing was helping. As a matter of fact, I was actually getting worse with each passing lesson.

After two difficult years in music school, I ended up dropping out defeated and discouraged. I ended up moving back home with my parents, applied at a local university, and changed my major to electrical engineering. I was done with music, altogether.

But then, I connected with a couple of different trumpet teachers who understood my playing problems and were able to help me tremendously. Because of their own personal playing problems, they brought a wealth of experience and knowledge into my trumpet lessons. As a result, I was able to move forward and be successful in my music career. To this day, I owe them a debt of gratitude and appreciation for their help in getting me back on track as a musician. I seriously doubt I would have enjoyed the life of an electrical engineer!

The more problems you have experienced and the more mistakes you have learned from actually makes you WAY MORE qualified to help others.

Experience Is Pure Gold

Interestingly enough, those of us in our 40s who have experienced some pretty horrific failures have the tendency to think we may have disqualified ourselves from being able to help others. We have this messed up view that we have to be “perfect” in order to dispense advice to others.

Believe it or not, the opposite is true.

The lessons learned from your own personal experience make you uniquely qualified to share and help others going through similar circumstances.

Sharing Is Caring

When you care, you share.

And, if you’re over 40, then chances are you have built up a wealth of valuable knowledge and experience.

By this stage in life, you have probably had several failures and a few successes. You generally have a firmer grasp on life than those who are younger than you. For the most part, you have entered life’s “sweet spot.” You have learned from your mistakes and are typically making better choices in your mid-life journey.

There are many younger people in the generations directly behind you who could learn a lot from your experience.

Why not grab some of the younger people in your sphere of influence, especially the ones who are really struggling right now, and take them out to lunch. Listen to their stories and share yours.

Maybe, just maybe, you can help someone in a generation behind you that nobody else can reach.

Question: What life experiences do you carry around inside of you that could possibly benefit others?






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

Mint.comI’m A New Fan Of Mint.com

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

So, why didn’t I?

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

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

Now I get it.

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

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

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

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

3 Important Principles Of The Wealthy

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

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

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

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






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How To Enjoy Life And Make A Greater Contribution In The Lives Of Others

Photo by John Catbagan

Photo by John Catbagan

The Starfish Story

This story has been around for some time. Perhaps you’ve heard it before? In any case, I believe this story sets up this post well.

Strolling along the edge of the sea, a man catches sight of a young woman who appears to be engaged in a ritual dance. She stoops down, then straightens to her full height, casting her arm out in an arc. Drawing closer, he sees that the beach around her is littered with starfish, and she is throwing them one by one into the sea. He lightly mocks her: “There are stranded starfish as far as the eye can see, for miles up the beach. What difference can saving a few of them possibly make?” Smiling, she bends down and once more tosses a starfish out over the water, saying serenely, “It certainly makes a difference to this one.”

The Impact Of A Book

Have you ever read a book, seen a TV interview, or perhaps watched an online video that causes you to have one of those “AHA” moments? You know, when a light bulb goes off in your mind and you feel like a major shift in your thinking has taken place?

This happened for me about 7-8 months ago, when I watched a Youtube video of an orchestra conductor named Ben Zander and then read his book “The Art of Possibility.” You can read my book review on “The Art of Possibility” here.

In several chapters of his book, Ben discusses some of his challenges of being a conductor of a volunteer orchestra. As I continued to read through the book, I kept having these “Aha” moments of realization and learning.

For a large portion of his life, Ben Zander struggled with the drive to be to be successful as well as a fear of failure. He claims that this struggle caused both himself and those around him considerable suffering. The greater his success as an orchestra conductor, the worse this tension became in his life.

The tipping point for Ben came when his second wife walked away from their marriage. He began re-thinking how he was “doing life.”

He came away with the realization that he was living a life of selfishness. He was more inward focused on his own success. When being inward focused, he had more of an attitude that there was always another orchestra – aside from the one he was currently conducting – that he suspected would bring him more success, and so he was never fully present when he was on the conductor’s podium.

When he began playing the game of contribution, on the other hand, he found there was no better orchestra than the one I was conducting, no better person to be with than the one he was with; in fact, there was no “better.” In the game of contribution you wake up each day and bask in the notion that you can be a contribution to the lives of others.

A Shift Takes Place In My Thinking

This personally hit home with me about my own relationships within my family, as well as the volunteer orchestra I direct each week. I started asking myself questions about whether I was more interested in achieving success in my family or ministry, or am I truly more interested in living a life of contribution. This subtle but important shift in my mindset has (I believe) created a more enjoyable experience for those that I love and lead.

For example with the orchestra at church, in the past, I would get frustrated or upset with various problems such as excessive absenteeism for orchestra rehearsals on Wednesday nights as well as worship services on Sundays. My mindset before was too focused on having a successful orchestra and the roadblocks (in my mind) that my volunteer members were causing me to be a successful director.

Once I made this shift in my thinking, though, I started focusing on the orchestra members who decided to be present for a particular Wednesday rehearsal or Sunday worship service. I began realizing I could and should be a contribution in their lives spiritually, musically, and personally.

And you know what has happened? I’m enjoying my life and ministry a whole lot more by living a life focused on contribution rather than success versus failure. And, I hope those around me are enjoying life at a deeper level as well.

The Generous Life

Playing the game of contribution should really be of no surprise to those of us who are believers in Christ. The Bible has much to say about living a life of generosity versus selfishness.

In Proverbs 11:24-25 (MSG) we read these words:

The world of the generous gets larger and larger;
the world of the stingy gets smaller and smaller.

The one who blesses others is abundantly blessed;
those who help others are helped.

Throw yourself into life as someone who makes a difference, accepting that you may not understand how or why. Just like our starfish story at the beginning, don’t get overwhelmed and give up because you can’t help everyone. Focus on being a contribution to the few that you can be.

Questions: Are you living a tension-filled life based on a drive for success and a fear of failure? Is your life enjoyable or full misery? Do you need to consider a shift in mindset from success versus failure over to contribution?






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Does The Bible Really Contain A Secret Money Code?

Photo by Susan Kambalu

Photo by Susan Kambalu

Sean Hyman And The Biblical Money Code

His advertisements are everywhere!

Over the last few months, it seems like anytime I have my local talk radio station on, Fox News, or simply browsing the web, I keep running into advertisements for Sean Hyman’s Biblical Money Code.

A few weeks ago, I was curious enough to just go ahead and purchase the lowest subscription possible to check out what all the hype is on this Biblical Money Code book is all about.

Buying The Biblical Money Code book is really more of an opportunity for you to end up on an email subscription to the Ultimate Wealth Report plus NewsMax.com. Of course, this is the new normal in today’s digital marketing age, so now I am blessed with at least two to three extra emails cluttering up my inbox each day!

But, you do also receive several ebooks and other pieces of financial information for your purchase. It’s not a complete “bait and switch.”

Who Is Sean Hyman?

Sean Hyman is a former pastor who has allegedly moved from making $15,000 a year to now giving away up to $50,000 a year. He didn’t make this kind of money in church work, however! Here’s a portion of Sean’s bio regarding his financial work:

Sean Hyman has become a trusted correspondent on CNBC, Fox Business and Bloomberg due to his extensive background in the financial markets, having spent more than 20 years in the investing trenches. Over that time, he’s been a stockbroker at Charles Schwab, a trading course instructor for foreign exchange market maker Forex Capital Markets (FXCM), a financial writer for numerous outlets, and a key speaker at conferences both nationally and internationally. Over the course of his career Hyman has also held five financial licenses …

… Sean Hyman became the editor of the Ultimate Wealth Report newsletter because he loves teaching and helping others to have a better life than what they’d had before. His goal with the Ultimate Wealth Report is “to shepherd readers in the right direction so their wealth doesn’t get eaten away by inflation, but rather benefits from the rise of inflation.”

A Fast Overview Of The Six Keys

The primary ebook focused on the Biblical Money Code that you receive as part of your subscription is called The Six Keys To Financial Success. Like many ebooks you receive online, it’s a brief 47 pages and a quick read.

In the ebook’s introduction, Sean makes the case that in order for God to bless us financially, we need to follow all the financial wisdom in Scripture. In order to unlock the full potential of the Biblical Money Code in our lives, we must be fully obedient to all God’s wisdom, not just part. That won’t work.

Sean states that most people only follow some or part of the Biblical financial wisdom found in Scripture. Perhaps, they may tithe on a regular basis, but the rest of their financial life is a complete mess. Or, maybe they live a debt free lifestyle, but don’t tithe.

Sean drives home the point that a believer living in full obedience to each financial principle unlocks the full and complete blessing of God in the area of personal finances.

Here are the six Biblical financial principles that Sean focuses on:

  • Principle #1: Pray for God’s Favor and Blessing In Your Work.
  • Principle #2: Tithes and Offerings: 10% Plus Some, Not Just 10%.
  • Principle #3: Save Money and Reduce Your Debts
  • Principle #4: Invest for Your Future
  • Principle #5: Philanthropy
  • Principle #6: Being the Lender and Not the Borrower

My Take On The The Six Keys To Financial Success

I am of the personal opinion based on my own research PLUS personal experience that there is a “Biblical Money Code.” Is it some kind of big secret or something? No, of course not. But, the Bible does give us A LOT of common sense wisdom when it comes to handling money.

I do believe that God blesses complete obedience to His Word and His will. I also believe in the power of the Law of the Harvest. When you do the right things in the right order and in the right way, you will reap a bountiful harvest.

This is so very true in this area of personal finances. If you follow Biblical financial wisdom in every area (giving, saving, spending, debt, and investing), then God will bless you. You will reap what you have sown.

BUT, I would be hard pressed to say that this will happen every time for every person in every situation, though.

God is God, and He does not always conform to the box that we place Him in. He may allow negative financial circumstances into our lives, even if we may be following this “Biblical Money Code.”

Why would God allow this to happen, though, if we’re playing by these Biblical money rules?

It’s always difficult to pinpoint a definitive answer. We may never know this side of heaven. Perhaps God is teaching us an important spiritual lesson. Maybe He wants us to learn to rely on Him, rather than money. Or, maybe, He wants us to learn a lesson in controlling our emotions and growing in the virtue of patience.

I believe the key is remaining open to growth in your life when your expectations aren’t met, even when you are doing all the right things. But, don’t give up, though. Keep on doing all the right things in spite of the circumstances. There will be a tremendous payoff, eventually. Remain obedient, teachable, and press through to the end!

Questions: Do you believe in a Biblical Money Code? Why or why not? Have you experienced the Law of the Harvest in your personal finances from following these principles?






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Do You Make This Common Mistake In Your Prayer Life?

Photo by Will Foster

Photo by Will Foster

Praying For Lots Of Stuff

Do you have the tendency to pray for more and more stuff?

I’m talking about all of the prayers we offer up for our own individual needs and the needs of other people.

You know, like praying for a new bass boat for yourself, or praying for a special blessing on Aunt Martha’s hangnail. Ok, those are extreme examples, but I think you probably know what I’m talking about.

I fear that the modern day Christian prays for many things, but doesn’t really stop and praise the Lord for all the amazing things He has already accomplished in their life.

This is a common mistake that many of us make in our prayer lives.

Praising God For What He Has Done

Psalm 103 is an excellent reminder to all of us to not forget to praise God for all that He has done for us.

Psalm 103:1-5

Bless the Lord, O my soul;
And all that is within me, bless His holy name!
Bless the Lord, O my soul,
And forget not all His benefits:
Who forgives all your iniquities,
Who heals all your diseases,
Who redeems your life from destruction,
Who crowns you with lovingkindness and tender mercies,
Who satisfies your mouth with good things,
So that your youth is renewed like the eagle’s.

Don’t Forget The Benefits Of God

My favorite phrase in the first few verses of Psalm 103 is in verse 2, “And forget not all His benefits.”

The word benefit carries with it the idea of a “reward.”

King David is reminding us in this psalm to not forget about the rewards that God gives us. We are to praise the Lord for all the awesome blessings He pours into our lives. David goes on to list these rewards, things such as:

  • the forgiveness of sin
  • healing from disease
  • redemption from Hell
  • physical protection
  • an abundance of provision
  • renewed youth

Yes, God desires for us to pray for our needs and the needs of others, but He also wants us to praise His holy name for all the amazing blessings He pours into our lives each day.

Don’t make this common mistake in your prayer life by focusing your prayer life on just needs. Spend more time praising Him for all the good things in life as well.

Questions: So, are you making this common mistake? Are you spending the majority of your prayer time asking God for stuff? Or, do you need to make a shift in taking more time to praise Him for those special “benefits” He brings into your life? What amazing rewards has God given to you, today?






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

Photo by Dave Lawler

Photo by Dave Lawler

Waiting For Perfect Timing

Perfect timing.

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

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

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

Yeah, we’re just procrastinating.

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

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

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

The Perfect Time To Pay Off Debt

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

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

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

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

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

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

Now Is The Time

I don’t care where you’re at, today.

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

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

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

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






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Who Else Wants To Raise Children, Successfully?

Photo by Jose Roco

Photo by Jose Roco

My Daughter’s Essay Was An Important Reminder

“Well, Daddy, I wrote about you.”

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

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

She chose to write about me!

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

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

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

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

Actions Speak Louder

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

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

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

Get Into Alignment

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

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

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

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

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

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






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4 Proven Actions To Avoid Spiritual Danger Zones In Your Life

Photo by Deanna

Photo by Deanna

Mountain Road Guardrails Save Lives

Mountain roads are the most dangerous roads.

There’s not a lot of margin when you’re driving on a mountain road. It’s either stay on the road and live, or drive off the side of the mountain and die. That’s it.

And, believe it or not, many of the mountain roads around the world have very few safety features such as guardrails to keep people from driving off the side of a mountain.

I recently read a story from November 2005, when a missionary was driving the dangerous mountain roads of Northern Bosnia–Herzegovina with a couple of pastors. The weather was terrible, but they were driving cautiously as they navigated their way to a conference. The majority of these Bosnian roads have no guardrails.

As they came around a curve, they unexpectedly hit a slick spot and started sliding toward the edge of the mountain. A river with jagged rocks was waiting for this missionary and pastors some 40-feet below.

As their car was sliding out of control, the men all cried out “Jesus!” Fortunately, this was one of a few curves on the mountain road that actually had a guardrail. The front bumper of the car hit the guardrail and pushed the car back on the road.

Once the missionary found a safe place to pull over, the all jumped out of the car to take a look. First, they were amazed that there was even a guardrail on this particular curve. Second, they were surprised that the guardrail appeared to be brand new.

The Purpose of Guardrails

Guardrails are designed to keep motor vehicles from straying into dangerous or off-limit areas, just like in the above story. They are normally found on bridges, in medians, and around curves.

Guardrails are a safety design feature that is an almost invisible part of our driving experience. We really don’t even pay attention to them until we need them.

In driving, there needs to be some margin of error. Mistakes will be made. Accidents will happen. The theory behind the guardrail is that your physical body and your vehicle will incur less damage striking the guardrail then if you were to experience whatever is on the other side of that guardrail (such as a drop off or an oncoming car).

So, yes, if you hit a guardrail, there is going to be damage, but it probably won’t be as bad as if you didn’t have that guardrail in the first place.

We Need Guardrails

We as a society need guardrails on the road. They are an important safety feature for all of us.

You and I need “guardrails” in our personal lives, too.

We’ve all had horrible, damaging experiences in our own lives or in the lives of family members. These damaging events may have included a financial bankruptcy, a moral failure, a divorce, bad business practices, or an addiction.

But, if we had included the safety feature of personal guardrails in our lives, these catastrophic events could have been prevented. Yes, some damage may have occurred, but maybe not at the level of the final, destructive outcome we experienced.

4 Actions To Protect Our Spiritual Lives

When I speak of personal guardrails, I’m speaking of taking the following actions to protect us from our own danger zones:

First, you must be honest with yourself and others regarding the areas in which you struggle and are most tempted.

Second, you need to seek out professional help, especially if you really struggle in the area of addictions, to get you back on the road to sobriety.

Third, you must put appropriate rules into place to act as your “guardrails” for your specific area of struggle. For example, if you have a spending problem that led you into bankruptcy in the past, then you must live on a budget and spend only cash; no credit cards or other debt for you. If you are a workaholic and this has damaged your relationship with your family, then you need to establish a strict schedule for work hours and family time. If you struggle with alcoholism, then you can never take even one drink ever again.

Fourth, you need to be accountable to those around you. You need to be accountable to your spouse. You need to be accountable to a trusted friend. You need to be accountable to a group of men or women. You need to check in with them on a regularly basis. Once a week is ideal. Every few weeks is okay. Being accountable to these people means they understand the areas in which you personally struggle and you are completely honest with them with how you are doing in those areas.

Questions: Do you need guardrails to protect you from specific danger zones in your life? Have you constructed these guardrails already? Have you been honest with yourself? Have you sought out professional help? Have you setup some rules? Do you have accountability partners to guide you back to where you really want to go?






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Learning To Speak The Language In The Land Of Personal Finance

Photo by Jes

Photo by Jes

Language Barriers

I felt like a fish out of water.

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

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

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

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

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

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

Financial Barriers

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

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

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

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

Lifetime Language Learning

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

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

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

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

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






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Do You Know The Secret Formula For A Better Life?

Photo by  Coschda

Photo by Coschda

A Personal Discovery

I was pleasantly surprised.

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

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

What exactly is this secret formula for a better life?

Exercise.

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

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

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

5 Surprising Benefits of Exercise

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

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

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






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

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