When I was 17, my mentor Mike Watson asked me to write a list of all the things I wanted in my life. Here is what I wrote
-Get my own place.
-Get a car.
-Get a girlfriend
-Get a job and be able to support myself with out the help of my family.
By the time I was 18 years old, I had gotten these things. I had a little apartment in South Los Angeles, bought a 95 Acura Integra for $5,000 and met a pretty girl that I was with. I was working at Guitar Center in Lawndale CA as sales rep which was a step up from my last job working the burrito line at Chipotle. I went back to my mentor and told him that I had gotten everything that I wrote down on my list. He told me to go make another list, but this time dream bigger.
My next list looked something like this.
-Go to Jr. College.
-Move in to a bigger place.
-Make enough money to where I have some left after bills at the end of the month.
-Get a truck!
-Start a business
When I turned 20, again I finished these things. I enrolled at El Camino Jr. College paid for by a scholarship I won in a persuasive speech contest. I found a nice little house in Lomita CA I moved in with a couple of friends and started my first business, a clothing company called All Else Failed Ind. He told me to keep going, that I can have whatever I wanted as long as I put it down on paper and was willing to work for it. (So I did, but I went big on this one)
-Make 100k or more per year
-Transfer into a UC/CSU school to finish my undergraduate degree.
-Write a book
-Make an album (Im a musician)
-Buy a house
-Buy a nice Car
By age 23, I published my first book “The Rich Kid Syndrome.” I moved from Los Angeles to San Diego to buy my first home in Oceanside CA, and then transferred to CSU San Marcos after spending the summer of 2007 Studying abroad in Spain, Italy and France. This was also my first $100,000 year and I earned quite a bit more the following year with my little brokerage firm that started in Carlsbad. I was doing so well, I decided to buy and new BMW, and I bought it with Cash 🙂 I also finally completed my first full-length solo album entitled “The Midnight Songbook.”
As my 24th birthday passed, it seemed as if I could do anything. It was like every single year, I would just write a new list of things down that I wanted, and then I would get them. I felt unstoppable, and invincible. Then the year 2008 came and everything changed.
It only took about 6 months after the economy crashed to lose just about everything that I had worked for. Aside from the fact that I had lost all steams of income, I ended up being 160K in debt to boot.
Just when I thought it couldn’t get any worse, I broke up with the girlfriend of 2 years, my dad went to prison, my mentor Mike (pictured above) died from cancer, my best friend screwed me over and I was conned out of my last $10,000 by a person posing as a roommate of mine who stole my identity and flew the coop. That’s what I call a bad year. I was so beaten down by all the loss in and around my life that it was hard to get back up and keep going. In fact some days it was down right direly depressing and some very bad thoughts entered my mind.
I realized that even though I had some major setbacks, and life threw me a couple of shit sandwiches, I had 2 choices. 1)Quit and kill yourself 2) Eat the shit sandwiches and make a list of things you want (as it has always seem to work before). So after a long day of gathering my thoughts and some meditation at the beach, here is the list that I made.
-Publish my second book
-Find a new industry to work in
-Surround myself with better people.
-Climb out of the hole (meaning get out of debt)
So, I picked up the pieces of my life and got back to work. I was 24, in serious debt, couldn’t find a job that would pay me nearly anything I was making in the mortgage game and all my “friends” or at least the people who I thought were my friends seemed to disappear with the money, the girlfriend and the stuff. I literally just had to hit the reset button on my life and start over.
I got in to Multi-level marketing, first with a company called Mona-Vie and then eventually in a company called RevvNRG. I always thought MLM was a scam but saw a lot of people making money in it. I figured if some barley high-school educated bozo’s from the Utah could make a couple million bucks on the Network Marketing game, how hard could it be? So I jumped in with both feet.
It took me about 18 months before I saw my first $10,000 month. As it turns out, you really can make some money in MLM. The next 3 years of my life seemed as if I was getting back in to my groove. I was traveling around the country, building a huge organization, making great money again and speaking on stages around the world telling stories of success and rising back up once life had knocked me down. I graduated college, published my next book “The Young Entrepreneurs Guide to Life.”
I felt relieved in a lot of ways. I felt as if I had a handle on things, life threw me some curve balls but I learned how to bend and fold in the situations and survive. As I was nearing 28 Years old, I began to reach my peak again. Now that I had the money game on point it was time for me to start living again, for me, this meant lifestyle.
What do I mean by lifestyle? Well to me “life” encapsulates all the things a human being has to do to live. Meaning we need to eat sleep, make a living, have friends etc. “Style” is a manner of doing something, so when you put those two together what you have is how a human being goes about living. I’ve come to understand that living life can be done many ways. Some people live very safe, they like a 9-5 job with benefits and 2 weeks vacation. Some people don’t even get that choice, they feel stuck in their life due to circumstances. Example: The man who worked as a mechanic his whole life because that’s what his father did and grandfather father did before him or the idea that the apple doesn’t fall far from the tree. Well, thats all bullshit at least to me it was.
So I picked up a few new hobbies, and got back in to someones that I had neglected due my crazy ass work schedule. Here is what it looked like.
So I finished, college, published my new book, completely changed the people I surrounded myself with and found myself 5 years in to a promising industry that was allowing my to travel the world, live my dreams and crawl out of the black hole that I had lived in. I wish i could end the story here, because then it would be a happy ending, but there was one more twist that was going to happen to me before I hit the age of 30. But I at least got my dream trip of traveling around South East Asia and Surfing in Bali twice before shit hit the fan again. (see below)
And then I got back to America. in fact it was Early May of 2013 when I arrived home from Bali for the second time that year to find out the master distributor of the Network Marketing company I was involved in was trying to do an end-run on the distributor base and secretly move them in to another company all together. When I caught him in the middle of it, I blew the whistle (get that full story here).
In a mad rush to try to save what was left of the company, I began negotiations to broker a buyout from another MLM company. In fact that is where I was last year on my 29th birthday. Even though we were able to get a deal done, it ultimately fell apart because as it turns out the owner of the company I was staying loyal to was scarred and greedy.
Fortunately, being down the “put all your eggs in to one basket” road before, I had some back up plans this time around. I had learned how to trade the FOREX market (read that story here) for some time and I had a little Tech-Start-up called Roommatefax.com that I had been working on for a little time. Although I though I would have at least another year of residual income to count on from my network marketing ventures, I didn’t so I had to execute that back-up plans a little faster and take some side consulting work to make ends meet till I got them off the ground.
That brings us to the present, and as I cross the threshold into my thirties, I took some time to reflect, and these are the questions that kept repeating to me in my head.
-Have I lived honestly and had the best intentions?
-Did I take all the risks necessary to pursue success no matter the cost and safety?
-Would those (dead or alive) who came before me and made sacrifices for me so I could get ahead in life be proud of the man I have become?
-Will I be able to look my child in the eyes one day and proudly tell him or her about the choices I have made?
-If I were to die tomorrow, did I accomplish everything I set out to do? and when some of those things failed, did I see them through till the end and learn something from the experience?
-Have I lived with Honor, Integrity and loyalty?
-Was I a good son, brother, friend and human being?
I can honestly and confidently answer yes to all these questions, and that makes me grateful. I always thought by 30 years old, I’d have a million dollars and today I’m 30 and I don’t have a million dollars, in fact, I’m far from it, but what I do have is something that money can’t buy. What I have is something a lot of rich men spent their entire life chasing but could never seem to find. It’s the thing that most people live their whole life trying to find but it eludes them. What is it? Love. I’m surrounded by it and all the things that happened to me in my life were for a reason, they were to keep me safe from people, places and things, and sometimes from myself. I had lots of guardian angels that came in the form of people and circumstances.
I did my best to put Love out in the world, to give it when I could and try to keep the faith that it was there even when I couldn’t see it. I found hope, even when good people died or went to jail. I make hard amends to people I disliked, and let go of hatred for those I could justifiably hold resentments against. I found out what kind of man I was when life got hard, and saw what I was capable of when surrounded by the right people and situations. I learned to have a thick skin, be fearless and most importantly, not take life to seriously.
So all that’s left to do is make a new list. The list will probably have some things like get married, have kids etc. For me, it’s an open book. A big blank canvas waiting to be filled with life, love and memories. Fortunately, I’ve got quite a bit of experience now and I believe my best years are ahead. My 20’s were the minor leagues, and now its time for the major’s and I can’t wait to start playing!
Thanks for all the love and support! See you at the top!
In about a month (June 13 to be exact) I am turning 30 years old. It seems that even though I have arrived at this point in my life with a nonchalant free-spirited attitude not giving any real weight, worry or concern to the age milestone, people around me seem to think that it is a huge life changing event. I never really understood the phenomena of people getting anxious each year they grow older. For me, I have always believed in the buddhist ideology that our body started dying the day we were born and more importantly that this (life) is all temporary. I also did most of my radical changing in the early parts of my 20’s. Meaning that from where I am sitting today, I have direction, purpose and drive and I am not nearly as impressionable as I was at 22.
Before I go off on a philosophical rant about my metaphysical beliefs in modern Tibetan Buddhism, lets just agree that it’s impossible to get younger, all we have is the body were given, and one day, like it or not, I am going to physically DIE! I cannot change these things no mater what I do, therefore for me to get upset that my body is getting older is about as crazy as crying because the sun keeps coming up every morning.
So why is turning 30 such a big f&^%ing deal. Well, depends on who you talk to me. For me, the only real mile stone that I set out to accomplish by 30 years old was that I would stay sober (as I have been since 16 years old) and that I would be a millionaire. Fortunately I am still sober after 13 years and counting, but I haven’t quite made my first million dollars yet, but I’ve done ok. Perhaps just because we’re 30, we fill its high time we get our shit together. All my friends seem to be getting married, having babies and doing the things “adults” do. There is nothing wrong with that. Some of my friends refuse to do this as for me, I have always been open to it. In fact I look forward to getting married and having kids of my own to indoctrinate in to mini me’s! For fun I took a list that I found on Buzzfeed.com entitled “30 signs you’re turning 30.” and added my own twist 🙂 Enjoy.
You get carded, and your first instinct is, “AWESOME, then your annoyed.
Instead of drunken party photos, your Facebook friends are all about the baby pics.…and marathon times.
You have 10,000 business cards from old jobs that you have no idea what to do with.
You find celebs who are in their early thirties and think, “There’s still hope, or it’s time to switch careers.”
You’re getting increasingly scared to check your credit score.
You’re seriously thinking about getting a dog. No, having a baby. No, definitely getting a dog.
When you do drink beer, it’s not Spuds choice, it’s Imported or micro-brewed locally from organic hops.
You’d rather pay a little more for a “nice, clean” hotel room than cram into a hostel with 12 of your friends.
Everything cool is being marketed to people younger than you now.
You’ve definitely lost the enzyme that lets you digest Taco Bell.
There’s an increasing number of musical artists you haven’t even heard of.
You realize your parents were your age (or younger!) when they had you, and you start cutting them some major slack.
Teen slang words like “YOLO” makes you viscerally angry.
An 11-year-old has to show you how to do something on your smart phone.
When you watch teen movies/TV shows, you find yourself siding more with the parents than the kids.
The Punk-rock scene is truly done.
Turning 30 isn’t going to be all that bad. I’m not dreading it, I am embracing it. There are so many great people who had success after 30.
The Entertainment Industry.
The Oprah Winfrey show didn’t debut until she was 32. Sylvester Stallone didn’t make Rocky until he was 30, and was in a porno to make ends meet while shopping the script around. Dick Van Dyke and Gene Hackman didn’t get their first major roles until their mid-thirties. More recently, The entertainment industry recognized Jon Hamm, J.K. Rowling and Tina Fay’s talent all after they hit 30. Vincent Van Gogh had his first art exhibition at 32.
Suze Orman started out as a waitress and held that job until age 30. And she didn’t publish her first financial book until age 44. Nowadays, she’s sittin’ pretty as one of the most-trusted voices in the world of personal finance. If Ray Kroc had quit pushing the ideas of serving a billion Big Macs world-wide, McDonalds wouldn’t exist. If he quit trying before the age of 52, he never would have created one of America’s best-known restaurant empires. He kept at, working day in and day out at his restaurant until he died. While Dave Ramsey thought he’d figured things out in his 20s with his $4 million real estate portfolio, he lost it all by the time he hit 30. A few years later, he found his passion in financial counseling, and today his books and radio show have millions of dedicated fans.
When it comes right down to it, Age really is just a number. I believe I am going to live to 100 anyway so who cares, Im 20 years from my half way point with so much life to live. I get sad when I come across people who have thrown in towel because they feel like they missed their window or something in their 20’s. It’s so far from the truth.
Sure, if I could go back, I would have made some different goals knowing what I know now. Who wouldn’t? Making a million dollars seemed really cool at 22 but I never understood or realized all of the liability and responsibility that comes with that. I would write that goal much differently now, something like “make enough money so I don’t ever have to be in debt or depend on anyone to support myself having enough left over to help friends, family, and people in need when possible.” Despite all of my shortcomings, or what I should or shouldn’t have done, the goal now is to create enough abundance to be happy and get my time back.
Regardless of what you have or haven’t accomplished, it’s not over. The journey truly is just beginning. I would take years of experience over raw talent and crazy ambition most of the time these days. I sacrificed a lot of relationships in my 20’s chasing a dollar and losing sight many times about what was really important. The last 3 years of my life have been the most gratifying years so far and they are nowhere near what I set out to do 10 years ago. In fact, if you told me 10 years earlier where I would be now, I would have gotten upset, and depressed because the only way that I measured success was by the size of my bank account, and if what ever life you told me I would have had didn’t involve me being filthy rich, I would have gone a different direction.
So what now. Where do we go from here.
Well I know what I am going to do. They’re wont be all that much of a change for me. I am well on my way to doing some incredible things in my life. I have great business opportunities that I have started in the last year. The first one being my tech start-up (Roommatefax.com) and the second has been learning to trade the FOREX market. As far as hobbies go, I have always maintained a work-hard-play hard mentality, So I picked up skydiving 2 years ago as well as training MMA (Krav Maga). I am in the best shape that I have ever been in my life. I don’t smoke, I don’t drink, I eat healthy and I exercise regularly.
After living a little here on earth for a little while, I have come to understand some things about life. Most of which I recently published in my latest book The Young Entrepreneurs Guide To Life. I just want to live my life to the fullest. I want to experience and see as much as this world has to offer while I am alive and kicking. I will never stop seeking. To me, business is just another adventure. I have had jobs here and there but they were always stepping-stones to get me to a place where I would take my life back, live it how I wanted too. As an entrepreneur, I get bored and need to switch projects it seems about every 2 years. This is very bad for job security, but great if you love starting new things.
Money comes and goes. I have learned that it is a tool, that’s all, it’s only emotional if you don’t have enough of it. If getting it ruins your relationships, you’re doing it wrong. I’m looking forward to enjoying what I have now. The potential of marriage, kids one day soon. Seeing places in the world I have never been too and accomplishing things to better myself physically, spiritually, and in business. These are all things that I am looking forward too.
So all in all, turning 30 is going to be great. I have done a lot of big things in my 20’s. I failed in some areas, and absolutely dominated in others, these days I just want to enjoy the journey, and go for happy instead of being right or “winning.” Remember that the only thing to dread or fear comes from your own inability to accept the reality of your situation good or bad, and then doing something to better it or make it worse.
Go lose 10 lbs if it will make you feel better. Take a trip to South East Asia if you have never been. Buy a nice car if you have never had one before, but just be real about it. Honor those who love and support you. Remember where you came from and all the shit you have been through to get to where you are. Don’t lose perspective, gain it, be a wolf, go hard, and most importantly follow your heart. Fuck what society says or thinks you should do some random age, I’m trying to live more and more like a kid the older I get. I will never conform, and no matter how up and down the roller coaster of life takes me. I choose to have fun and a good attitude about everything as much as possible regardless of what type of shit gets flung at me. Maybe you should too! Stop worrying and start living.
So if you’re approaching 30, and you have some anxiety, don’t worry, there is plenty of life to live and I hope I have alleviated some of the worry and concern with this post!
Now let’s go celebrate!! Happy 30 everyone.
Being in debt sucks, you should get out of it. America is HIGH on credit cards, loans and just living way beyond our means in general. It’s got to stop because it’s simply a vicious cycle of madness, and will only end if you make the personal choice to do it in your own life.
“When you get in debt you become a slave.” -Andrew Jackson
It has been a long time coming for writing a blog on this topic. I write a lot about life-style and ways to accumulate wealth, but there is another side to the wealth coin and that side is DEBT. We all know what it is because at one time or another we have all been in it. For most people I meet, being in debt is a part of everyday American life that 99% of Americans live in day in day out. The other 1% owns all the wealth, and we can’t get to where they are because they are the ones lending the money 🙂 Imagine if we lived in a world where you couldn’t get a credit card or a loan. Think of how different the world would be, how much stress would be lifted off of you or your loved ones. What if you woke up tomorrow and you were magically at $0. How would that change your life? Here in America, we start getting credit card offers weeks before we turn 18 years old, with banks enticing you with instant gratification telling you to buy now and worry later. Sadly it has become a way of life here in the U.S. and I believe it will ultimately lead to our downfall. The powers that be do an incredible job keeping us in a constant state of denial, and for good reason too, because it’s hard to sell you on the idea of being ok with getting in to debt if they actually told you what you were really getting yourself in to.
Let me throw a couple of stats at you real quick on the US debt situation, then we will get in to your shit! * As of April 1, 2014, the official debt of the United States government is $17.6 trillion ($17,578,141,920,036). This amounts to:
U.S. household consumer debt profile:
James Quin from financialscense.com writes: “The average hard-working, taxpaying American has been enslaved in debt of such proportions that they will never be able pay it off. Your share of the $17.6 trillion National Debt is now $55,372, and growing by $4,500 per year. Your share of the future unfunded liabilities, created by the people you elected, is approximately $350,000. This crushing burden is in addition to the $13.8 trillion of mortgage, credit card, student loan, and auto loan debt Americans have accumulated in the last three decades of delusion. Forty percent of all credit card users do not pay-off their credit card every month and carry an average balance of $16,000 at an average interest rate of 15%. Good to see the Wall Street banks passing along some of their 0% borrowing windfall to their “customers”. ” So what does this all mean? Well it’s simple, as a country we’re F*&%ed. As an individual, you may have a chance for redemption if you choose to take the hard road and opt out of the vicious cycle, but it won’t be easy. In this blog, I am going to share with you some of the key ideological changes I underwent as well as the actions that I took to get my debt managed, and eventually paid the f%^& off. If you do exactly what I tell you to do in this blog, you will be well on your way to getting out of debt for GOOD! I will explain how to cut your interest rates in 1/2 if not more. Here are the steps.
1. Stop the bleeding – Ok, if you are serious about doing this, it’s time to make some hard decisions. I don’t mean like you need to tighten your belt a bit and cut back a little, I’ll equate this to a obesely overweight person that needs their stomach stapled, and triple by-pass heart surgery to stay alive. This means fire sale time. You go through your house and collect everything of any value that you don’t use. My indicator is: unless it’s a seasonal item like a snowboard, if it hasn’t been used for 6 months, sell it, thrown it out or give it to goodwill for a tax credit. Anything you own two of needs to be reduced to only one, after all, why do you need 2 anyway? This includes big ticket items like cars, motorcycles etc. Next you need to look through your bank statement and find any subscriptions or monthly reoccurring charges that you don’t use on a regular basis. For example, expensive gym memberships, magazine subscriptions etc. Be vigilant, we are talking about things you don’t absolutely need, if you need your gym membership, I”l tell you how to save on that later on, but for now, just follow the directions. If your a person like my mom who needs to hold on to everything, than you need a close friend to help you through the process like a drug addict needs a sponsor to keep them in check, you can’t be trusted.
2. Reality Check – Time to get out of denial and face the truth. Gather all the statements of debts you have. College loans, car loans, credit cards, mortgages etc. Then start an excel spreadsheet to lay it all out. I’ve included the one I used that gave me a clear picture of what I owed and the percentage rates I was paying. (StevenEwolf.com Debt Worksheet). Once we have it all laid out on paper we have “THE NUMBER” meaning the price you will have to pay for freedom. For me that number was $160,000 in 2010, and I got it under control without a bankruptcy or credit help bullshit company. It can be done, if I can do it, you can too.
3.Budget time – Here is where you sit down with your loved one, or by yourself if your single and simply find out how much you are making and how much you are spending. To get an idea of this, I strongly suggest you use a budget program like Mint.com. I used mint.com and still use today to mange my income, expenses and investments, it does all that for you in one simple program by collecting all your financial data and putting it in one easy place for you to see and manage. It will give you a snap shop of your current cash vs. debt as well as up to date information about every asset and liability you have. It will also allow you to create a budget based on your income so you can track and see exactly how much you are spending and what you are spending it (or wasting it) on. This can only be done once you figure out what your income is. If you are like me, and never had a constant pay check, this will give you data collected over a period of time to help you balance out your income as you receive it.
4. Savings Strategy – What is savings you ask, well that’s money that you don’t spend, something that is not a familiar practice to my generation. Here is what it needs to look like, I’ll give you an example for an income of $5,000 per month. (I adopted this practice from the book The Richest Man in Babylon & Secrets of the Millionaire Mind and customized it to fit my needs to get out of debt and build wealth)
*****Note, a tax savings account is necessary if you are a 1099 guy like me, if not don’t worry about, the government steals it from you already every pay period at your W-2 job. So for the sake of this example Red will indicate W-2 Person, and Green will indicate 1099 person.
Total Income $5,000
-20% ($1000) in to separate bank account specifically set aside for taxes. Capital1 – 360 gives you free Savings and Checking account with no minimums or ATM fees, that pays you a .75% yearly APR yield (5 times national average). If you follow this link to the right and you will get a $50 referral credit just for signing up through my link! (You see, pays to read my blog!) So do it NOW!
50% of whats left after taxes ($2,000) ($2500) Goes in to you spending budget. This is to be used to pay the mortgage/rent, gas utilities, car payment, food etc.
20% Goes in to savings. ($800) ($1,000) // This is money that you will invest in to something later, but don’t worry about that just yet because you don’t have any money yet, so just save it and if you are in serious debt, all of this money will go to pay off debt starting with high interest credit cards and loans 🙂
10% Goes in to the “emergency/big ticket item fund” ($400) ($500) // This is money for a new car or a trip, something you may want but don’t necessarily need so if shit hits the fan you can use the cash to get you out of a pickle, but the hawaii trip is not gonna happen this year as a result of it.
10% Goes in to the “Play” fund ($400) ($500) // This is your money to blow on what ever you want.
10% Goes in to the “Charity/Education Fund” ($400) ($500)
4. Budget Review – By following the example above you easily get a hold on your own personal spending, not lets cut some more monthly costs. Time to sit down, look at everything you decided to keep: memberships, subscriptions etc. If they don’t fit in to your budget, you need to cut back even more. It is however worth calling all of the entities and seeing if you can reduce the membership costs. I called my gym, they cut my membership rate in half, then I called some magazine I subscribed to, they gave me a year free, then the cable company, then my cell phone provider and so on. By the time I was done calling every single entity that I had a subscription with, I managed to hang on to one or two things I would have had to get rid of by just calling them and asking for a discount. Once you have accomplished getting this all together and knowing that you are at least not going negative every month, we can go to the next step.
5. The Credit Card Shuffle – Ok let do some plastic surgery. First pull out that debt sheet that you have downloaded from above. Remember the one where you wrote down the total amounts you owe. Ok, now pull out all of your credit cards and start calling each one, here is what you need to find out, and do this exactly like I tell you to here!
1. Call the CC company and find out what you actual rate is on the card.
2. If you have balanced transferred money or have a promotional rate of some kind, find out the rate and when the promotional rate ends and then indicate it on the sheet just like the example I have set out.
3. Ask the customer service agent if they can lower your rate. If they say no, ask them if they can waive this months interest charges as a courtesy. Most companies will do this at least once per year.
4. Ask them if they have any promotions on Balance transfers, don’t do it yet just find out if they do. (It’s usually 0% for 6-12 months or 4.99% for 18 months. They will charge you between 2%-5% to move the money)
5. Repeat this step until you have called every single one of your credit cards and recorded the information on the sheet provided. Now that you have an idea of how badly you are being raped by finance charges, we can start the shuffle. Looking at all of your existing credit left on cards, figure out if it would make sense to transfer balances to cards that have room. Take in to consideration that it will cost you money to move the money, so if the benefits of savings don’t outweigh the costs to move the money or you simply don’t have enough credit left, you will have to choose another option. The main idea is to try to get any credit card balance to 0% or as close to 0% as possible. Some of you may still have good credit if that’s the case, use the following method, if not, read on, there is options for you. If you can swing, pay your highest APR% cards off immediately, meaning any card that only a couple hundred bucks or something on it, just pay it and check that one-off the list.
If you have a good credit score or are a home owner:
1. Ask each CC company to raise your line of credit, explain that you need the credit for business travel.
2. Try to move all of the balances ton ONE card so it’s easily manageable and at the lowest rate. If you have to spread this out over 2 cards, do it, but make sure it makes sense.
3. If you weren’t able to get the CC companies to extend you more credit, try to get a personal consolidation loan. I used one of their and it drastically helped me get out of debt faster. The best company with the lowest rates is Lending Club. Lending club will beat any other personal loan service or big bank on unsecured debt consolidation loans. If you do this, you can get a secured loan for 3 years that can be paid off early with no pre-payment penalty. Otherwise, try a HELOC on your home or a refinance to wrap the debt in the equity if you can do it. If your debt is only a couple thousand it may be a good idea of doing a “used-car refinance loan” and wrapping some of the debt in to that if you have some equity in a vehicle.
If you have bad credit or have no home.
1. See what you can do to move balances around to 0%. If the CC companies won’t extend you credit then try the personal loan from Lending Club like I mentioned above. They still have some great rates with people who have below Prime credit scores.
2. Get a copy of your credit report and find out exactly what you have going against you that is affecting your score.
3. If you can’t get more credit to move balances, and you can’t get a personal loan that makes sense it’s time to start playing dirty with your creditors. The following advice is the last option that you will before you have to start looking at bankruptcy as a viable option. (I will not be covering bankruptcy in this blog because if your situation is that bad, you need to get in touch with an attorney and discuss your options.)
4. Credit card consolidation companies are bullshit. There is nothing that they can do for you that you cannot call your credit card company do yourself. They basically charge you money to “go to bat for you” but what they are really doing is serving as a middle man between you and the CC company and make a little money off of your hard ship. I’ll share my story explaining below at the end of the blog.
6. Sticking to the plan no matter what – The hardest thing that you will encounter when trying to follow these steps is the feeling that there is no end in sight. That you feel so far away from $0 that you want to give up or just say F%^&* it. Understand that it was that exact attitude and lack of discipline and knowledge that got you in to this situation to begin with. In fact, you have probably spent years getting your self in to this situation, so don’t think that this is going to get fixed over night.
What I am proposing here is a long-term and effective strategy to recognize and asses the problem, reconcile the damage done, and then install a system of ideological principles to live by. Taking all of the actions I have laid out here is a start but the ultimate idea here is that you change your mindset, and that you do it long-term because if you use what I gave you here to get out of debt just to do it all over again that we have failed. So, be brave, be sturdy, and most of all, find some gratitude and accomplishment in the fact that you are doing something about it. Just that is a huge step that you should be proud of.
Summary and a Personal Story.
As I indicated before, this guide isn’t something I thought up last night, this knowledge comes from years of experience going through this myself. I have been through some very scary times, and if I could, I would love to help you avoid some of those pit falls in life. When the market turned in 2008 I went from owning a house, with a brand new BMW paid with cash to $160,000 in debt ducking creditors and conducting a fire sale with any assets I had left to try and cover the losses. I didn’t do it all correctly and I wish I had seen a blog like this one to help me out of that horrible situation. As my good friend Rob Guth says “ask me how I know?” I love the saying because it comes from experience, and it the experience of the good and bad that has allowed me to learn from my mistakes and come back from some dark times with hope and re-energized spirit to not only continue on when things go south, but to always have hope that tomorrow is a new chance an opportunity to turns things around if they not going well, or continue to rise if they are.
I hope that you take what I wrote here to heart because these nuggets of information have cost me years of my life and hundreds of thousands of dollars to obtain. Learn from it, apply it, and execute it in your own life and enjoy years of time and lots of money saved because you were wiser that I was to look. If this blog speaks to you, share it the information with your friends, family and people you care about. If you have questions, comments, concerns, feel free to post in the comments section or contact me via the contact page.
I wish you the best of luck!
See you at the top.
Solutions Links as indicated above.
4. Lending Club
So, as most of my readers know, my blogs have a lot to do with business, working hard, making a life for yourself an most importantly living. All to many times, we get caught up in our day-to-day grind and lose perspective. If you lose perspective for too long, the mind starts to slip and unless you do something about it, you might end up like Jack smashing through doors with an axe trying to kill your wife and child.
Although that may be an extreme example, a life of monotonous mediocrity is really no life at all, or at least to me it’s not. Think of all the movies you have seen with this type of protagonist plot-line, Fight Club, The Shinning, Life of Walter Mitty to name a few, These stories are so commonly told because they relate to so many people.
You see, you don’t need to take a trip around the world, or start a fight club to break out of your daily grind, however, if that is what you want to do, then go for it and I will come with 🙂 Most people simply miss the little things. I know, because I do it too, it’s easy to get caught up in your daily grind, but today I intend to explain how to escape it.
Today, I am up in San Francisco, with a very busy week of clients to see, things to do, and deals to sell. The days can fly by real quick. The funny thing is that my performance across the board is in direct correlation with how I am feeling. If I am in a place of scarcity, I am may very well come off desperate blowing a sale or a potential investor. People have an innate sense for that kind of thing. If you walk in to place to sell anything gleaming with anything else but confidence and a bright smile, the person will know something is up with you automatically, and it will severely hinder your chance of success.
A sale by definition is “a transfer of energy,” and that is my favorite definition because at the end of the day, it’s a performance, and if you blow it, the customer is not going to buy your product or invest in your company. Why? Simple, because no one want to buy or invest in to a person who suck, is sad, desperate or incompetent. What ever your product is doesn’t really matter, nor the company you represent, it is you who they are buying, and if they don’t like you, they probably will not buy or invest.
Here is a great example of what not to do…. Love this movie
So, if getting to correct state of mind is imperative, what you do before and after your performances (aka sale / investment pitch). Coming prepared and making sure that you are in a peak state will change the game. Whether or not you get the investor to invest, the buyer to buy should have no effect on you.
So how does one get there? Well in order to come to the table calm, collected and prepared, you have to take care of your mind, body and soul. For example, if you spend all of your time hustling and making money, you probably don’t worry about what kind of food you are putting in your body. I know this all to well especially when traveling, some days I get going, get caught up in appointments and realize I haven’t eaten anything all day and it’s already 3PM. Not good.
Then what about my body, sometimes after being out all day long driving around the city and using all of my brain power to convince customers and investors to buy me, the last thing I want to go do is shed my suit and tie, and take my ass to the gym. You see where I am going with this?
The hardest thing I have found to do especially when traveling for work is keeping a routine, and of course it is, you are away from your comfort zone and everything you know. It’s ok though, because if you can find out how to manage this routine even while your on the road, then it will become even more reinforced when your back on your home turf. The point is that you can’t afford to get caught up in the hustle, you have to take time for yourself and make sure you are taking care of your body, exercising, eating right and taking small breaks to appreciate where you are.
It can be as simple as taking an afternoon to yourself and enjoying the beauty of the place you’re in. I did it just the other day. Again I’m in San Francisco on business, so there is plenty to see but the city doesn’t calm me, it’s fun to hang out in and catch up with friends, but it doesn’t put me at ease. So what I did was took the afternoon off in Pacifica (That’s a little city in south San Francisco on the beach) and spent some time just watching the waves and taking in the beauty that was surrounding me. I was a little worried because I was really trying to get another deal closed for the week, but knew that if I didn’t give myself some down time, it would hinder my performance.
I also found a Krav Maga Gym in San Francisco, for those of you who don’t know what that is, it’s a style of hand-to-hand combat / Mixed Martial arts that I have been practicing for almost 2 years. Click here link for an explanation. It beats going to the gym and I go about 4 times a week back at home so to be able to keep that in my routine while traveling up here has been a bonus, usually I’m stuck going to good ol’ 24 hour fitness or if I am lucky finding a boxing or jiu-jitsu gym that will allow me to drop in for a couple of days knowing very well that I am not going to buy a membership or even return there in the near future. Either way, taking care of my fitness is also crucially important to my sate of mind, so adding that in with my day in Pacifica was healing to my soul.
Then, just like that I closed a deal later that day. Went back to the hotel, got a good nights sleep, woke up at 5 AM to trade on the FOREX market and then closed another deal that day!!! AWESOME, absolutely crushed it this last week, and it’s not just because I am a good sales guy but I attribute much of that success with being able to keep the routine and take care of my mind and body which always comes before making money!.
So here are a couple of tips for what to do to stay in a positive peak state while traveling
1. Get situated – When you arrive, go to google, plan your week, figure out where everything is, the gym, appointments, dry cleaners, post office, basically all of the places that you will need to go through out the week.
2. Pick out some fun things that you want to do in between appointments while you are there. This includes catching up with friends who live where you are traveling and things you are interested in that you can only see or do in that place you are traveling, something you couldn’t do back home. For example, I am going to see Alcatraz on Sunday! I have been to S.F. many times, but have never gone, so I’m doing it!
3. Get to bed early! I am up at 5 AM everyday trading on the FOREX market, I’m not saying you need to get up at 5 am, but I will tell you that I have a huge competitive advantage over any competition simply based on the fact that I have been up using my brain, showered, ready to go with all my shit together for literally hours before I see my first client. It’s a very empowering feeling.
4. Take pictures and Check-in on Facebook – Duh, you want to remember the experience, bottom line is even if you had a bad sales week, at least you got to travel to a new place on the companies dime and saw/experienced some cool stuff so have fun with it!
5. Work-out! You always feel better after you do, not only will your body love you for this but it is a great way to network to meet new people and get out of the hotel room.
6. Eat right, and if possible, never eat alone. A meal is a great opportunity to have someones attention for 30-45 minutes. Also when dealing with clients, they can tell a lot about you by what or where you eat, and vice-versa for them. Never eat alone if you can help it, it a waisted networking opportunity or simply a reason to meet someone new.
7. Check in Back home – Whether your married, have a significant other, or are a single person, checking in with familiar people back home will always raise moral! I do this often for a couple of reasons but mainly to reconnect because hotel rooms can get a little lonely sometimes and it’s important to remember that you are there on a mission and will return home soon, a friends and supporters back home remind us of this.
8. Have Fun. If you leave on a trip and go to a new place and don’t have fun, the only one to blame is yourself. I can find something interesting, exciting or beautiful about any place I have ever been, and I have been to some shitty places. The beauty is in the ey of the beholder. Boring people get bored. You can look at it as a shitty work trip in Wichita or an exciting adventure to a place unknown on a mission to find something cool about. That is up to you, but even I can’t fix a person who doesn’t want to be fixed, and I sure as hell can’t make a person who is hell-bent having a horrible time have fun.
I hope this brightened up your day! Ok now Im off to go explore the city, enough blog writing for today!!!
So as I am watching Super 48 come to a close I can’t help but think what a guy like Payton Manning does from the time after tonight to the pre-season months from now. Most athletes are kind of like Entrepreneurs: they never work in offices, they travel a lot, they are paid for performance not time spent on the job and sometimes things don’t always go down the way you have planned.
I think for a guy like Payton, even though he missed this attempt at another super bowl championship and there will be hours of ridiculous commentary on what he could have done differently for weeks on end, this isn’t his first rodeo. In fact, I think that it is any professional football players dream to play and win in the Superbowl just like every entrepreneur myself included wants to build a fortune 500 company take it public and get the BIG money.
Unfortunately that isn’t the reality for most, in fact most players don’t make it to a Super Bowl in their career, and if they do, it doesn’t mean they won. Further more, think how hard it is to actually get in to the NFL, and after that factor in your chances of doing all that more than once. Bottom line, is that Payton has a lot to be happy about even though he didn’t get this one, and much like Entrepreneurs you may only have one big hit in your business life. Most of the entrepreneurs you have heard about in your life time all sound like they just had an idea and hit a home run with it, but that’s about as ridiculous as saying Payton Manning woke up one day we he was 25, decided to play pro football and won multiple super bowls.
To win and succeed, it takes work, time, and practice but one thing it also takes is LOSING. I know what your thinking, how can you win if your losing, well you can’t, but you can’t actually win all the time either. If you did, people would just think you’re cheating. The resilience it takes to get your ass kicked and get back up to do it again is only known by few, athletes and hardcore entrepreneurs fit comfortably in that category.
For me personally, I haven’t had my home run yet, but I’m early on in my career, and to my credit, I have only had one major failure due to the market crash in 2008. One thing I have always devoutly believed in is averages. Remember, and incredible baseball player has an ERA of 300 or better. (a 500 ERA us unheard of) and what this mean is that the best in the league hit 3 out of 10 times and strike or fly out the rest.
Business is very much the same way, and all so many times I see young entrepreneurs get bounced out of the atmosphere on their first attempt at business and it makes me sad because they could be the next Bill Gates, but they are just to scared to look bad, you have to get a thick skin to survive. Much like the Athletes, Entrepreneurs go for broke all the time. The bigger the risk, the bigger the reward. At the end of the day we go in to it knowing that we my fail every time and never get that 100 million dollar idea, and you know what, it’s no t so bad.
Think about guys like Dan Marino, Warren Moon, and Dan Fouts, these were some of the greatest quarterbacks of all time, who are in the hall of fame and know what they have in common, not one has a super bowl championship, and by no means does that mean they failed in life, the stars just simply didn’t align for them to get a super bowl championship under their belts.
I really believe in going the distance. Life isn’t a sprint, it’s a marathon. I think most people can get lucky once or twice, but to have the type of repeat success that guys like Steve Jobs, Bill Gates, and Warren Buffet have takes skill, wisdom, patience and the ability to take risks. After your 3rd million dollar company you launched, no one can claim the luck card, it’s habit.
But just like the Sammy Sosa’s, and Ken Griffy Jr’s of the MLB world, you don’t get to lead the league in the most home runs unless you get enough times at bat. So for us entrepreneurs, what we do, and most importantly what were a part of before we hit our “home-run” says a lot about what we are going to do once that train ends. Will our product become out dated, will we get bought out by a competitor, will the technology become out dated. Maybe the government will regulate something that will go against us. So how do we stay on top, stay innovative or on top of our game?
Well a mentor of mine Perry P would tell me the story of the big oak tree and the skinny palm tree. The oak tree would make fun of the skinny palm tree that even a little gust of wind would blow around until one day a monsoon came knocking the oak over and killing it completely. The moral of the story was that in order to survive, you need to learn how to bend and fold in all of life’s situations. Furthermore we need to be prepared for what ever life is going to throw at us.
So this is what I have always done. In my last book I wrote, “The Young Entrepreneurs Guide to Life” I write about 100 entrepreneurs who dropped out or never went to college. Some of the people on that list include folks like, Steve Jobs, David Geffin, Sir Richard Branson, Walt Disney to name a few, and I have read these guys biographies, in fact I recommend doing that to any aspiring entrepreneur if in the very least to protect them from throwing in the towel when their first deal doesn’t work out.
This picture resonated with me when I first saw it because I identified with it. When I got my ass handed to me a couple of times in business it was refreshing to meet very successful people who told me they to had bitten the dust a couple of time before they knocked it out of the park. They encouraged me to always continue on. At the end of the day, if my life is spent pursuing my dreams and trying to make the world a better place never wavering against what I believe my purpose is here on this planet than I successfully lived. Whether or not I have a bunch of money in the bank or cars and shit doesn’t matter to me, how I get there though means the world.
I’m a smart guy and I can sell. I could get a sales job that pays well, work my ass off all week and take home 120K per year. I could get a corporate job as well, do a 9-5 Mon-Fri Gig with benefits and 401K, and during some of my failures in my own entrepreneurial endeavors those jobs starting looking amazing, but when I played the tape out, I could just never bring myself to sitting in a 10X10 ft space 40 hours a week selling some shit I could care less about only having the weekends and small trips away from reality to look forward to. I would always take the path less traveled.
If your Dan Marino, or Steve Jobs, my decision makes perfect sense to you, if your everyone else, you just think we are crazy, and that’s ok, because if everyone thought like we did there would be no one to run our companies or play tight-end as well as all of the other positions that are crucial in winning games or in life for that matter.
The bottom line is to stay in the game as long as possible. The longer you stay in the game, the better the chance to have to win. So if your reading this and thinking of starting your own deal for the first time, good for you. Go out there and fail a couple of time, get it over with, get your ass kicked and back up again, it’s all a part of the process. If your down and out, don’t worry, you’ll get it as long as you stay in the game, just don’t give up, consult those mentors and elders, go in to accumulation mode, learn some new things, bend and fold and most importantly get back in to a positive mental state.
If your on the other end of this and you just won your “super-bowl,” congratulations, you worked hard and deserve it. So celebrate and soak up every awesome moment, but when it’s over, you had better get back to work because there is going to be 1000 more coming to take it from you next year!
Have a great week everyone!!!!
Now For a little Fun…. Enjoy
With every New Year, new hope is brought to lots of people. Something I never quite understood because to me it’s just another day. Maybe some people just need to see that year marker change from 2013-2014 to tell themselves that it’s different now. Perhaps we tell ourselves that: just because it’s a different year, that somehow things will be different now. Well, if you really believe this, I’m sorry to say it, but things are not different.
The only thing that is different is we write 2014 when we write the date. I would also make the assumption, that if you believe that a new year brings magical hope and success through osmosis, then your last couple of years have probably looked something like this…. Don’t worry, you’re not a bad person, according to the New York times, only 8% of people actually stick with the new years resolutions that they set out to do. And the other 92% lose their steam within 7 DAYS! Yes, seven days and those new years resolutions and thoughts of bigger things in life, more time, more money, dream vacations, getting fit and healthy are out the window. If you don’t believe it, go to a Gym today on (The 3rd of January) count the amount of people who are in there and then go back a week later and watch the number DROP matching that statistic.
So why do we do this. Why do we set these unattainable goals. Do we do it because that what everyone else is doing? Do we do it because it’s the trendy thing to do? I mean, I know that there is some truth to it all, meaning that the things that all of us would like to change about ourselves. I have never met a person that honestly could tell me there wasn’t one are of their life that they wanted to improve (myself included). So again, I ask, why do we set ourselves up just to let ourselves down?
I am going to answer these questions in the rest of this blog. I’m going to share with you some of the deepest wisdom that I have acquired in answering these questions and what I can tell you is that if you listen to them and learn how to apply them, you will never need to make a new years resolution ever again for as long as you live.
So, just to get a couple of points clear, I’m not saying the resolutions are bullshit or that setting positive intentions are without merit or a waste of time. I am simply laying out why they don’t work without action. So lets demystify a couple of things. New Years is just a day signifying an approximation of the Earth’s orbital period in a given calendar. A calendar year in the Gregorian calendar (as well as in the Julian calendar) has either 365 (common years) or 366 (leap years) days. The word “year” is also used of periods loosely associated but not strictly identical with either the astronomical or the calendar year, such as the seasonal year, the fiscal year or the academic year, etc. Basically, the earths cycle, so we set our clocks and calendars to it. It gives us structure, but I take more like a suggestion, except when it comes to taxes, definitely not a suggestion.
Nothing really changes. Remember Y2K. Exactly, everyone thought the millennium was going to be some kind of Apocalyptic event, that the computers would stop working and people would go crazy but it didn’t. We woke up the next day and it was the year 2000 and went on business as usual. Then the Mayan Calendar ended in 2012 and there was talk of the end of the world and “the rapture.” Yet, nothing happened, time just went on. Are you getting the point. We put so much significance on things that don’t matter or really affect us personally at all. Time only works because we all agree on following it.
So then, why don’t people follow through on their resolutions or goals they set? That’s the million dollar question, and when I have been asked to answer this before usually people never like my answer. Here it is, People don’t follow through on the goals they set because they didn’t want them that bad. You probably wanted to hear me say some Freudian answer that place the blame on a persons up-bringing or the fact that their parents didn’t encourage them enough. Maybe it would make you feel better if I told you that the economy, or the negativity in the media is the problem for people’s lack of accomplishments. The bottom line is that people let their dreams go to shit because they realized the work and sacrifice that would have to ensue to achieve them, got scared, and walked away. It’s the idea that it’s safer to keep that status-quo, then to push forward in to new frontiers. Fear of the unknown is a powerful force for those who have never ventured in to the unknown, but for people like me it’s the complete opposite.
The Unknown is the only place that makes me feel alive. If I traded in my life’s of ambitions, start-up companies, self-employment, jumping out of Air Planes, surfing big waves, traveling to desolate places in the world and my entrepreneurial endeavors for a desk job in a corporation with a safe salary and benefits, a super safe car like a Prius, and spent my vacations at a Club Med tourist factory, a little piece of my soul would die everyday until I was depressed to the point of suicide, or I realized that the safety I thought I had in this “Job” or “Life” for that matter is really a prison holding me captive from recognizing my true human potential.
I realized a long time ago, that my soul was never worth the sacrifice. At the end of the day, it does not matter really all that much how I feel, but how my soul is doing. If you think making a bunch of money will fix this, your wrong. Greed kills the soul. In fact, to much of anything will throw you soul out of balance. I believe that most of us, especially those of us who have grown up in America, give very little weight to how important our soul really is. Unless you have been to a place or experienced a culture that values love, family, and health above wealth, you won’t really know what I’m taking about internally, you may be able to intellectually understand, but you won’t be able to feel it unless you have experienced it. I had this profound experience during my travels through South East Asia. It’s actually kind of funny you know, I was watching the movie “The Beach” with Leonardo DiCaprio last night. It’s an old movie from 1998ish about a traveler who goes to Thailand trying to find himself and ends up on a secret island near Ko Phi Phi where he meets another bohemian group of travelers who had just left their lives and stayed living together in their own community off the grid. I loved the idea, but when I saw that movie, it seemed like a novel idea, a nice fantasy story and wrote it off. But then, all of a sudden, I was there in 2012 looking out at the same beach the Leo was looking at and it clicked, it all made sense to me. I could finally understand why someone would just leave it all behind. You see out there, time moves slow, life is simple and all of the things that are important to us like cars, big houses, and name brand clothes just don’t matter out there. Almost as if your money is cool and all, and they are happy you brought but they will only take what they need and leave the rest. Up until that point in my life had never been in a place like that.
I was amazed. By the time I got back to Bali for the second time, I almost didn’t come home. I fell in love with that place. So much to the point where when I saw the movie last night, and I was physically saddened because I was not back there on that beach. I have never missed a place that much, shit, I have never even missed home that much, what ever “home” means. Either way, as I was laying in bed at hotel where I am staying in Phoenix, and I realized the same thing I realized when I got back home from S.E. Asia the first two times. Not much of a realization, more of a rhetorical question asking myself “why did I leave?” Truth is, a part of me never did leave. It stole my heart and seduced me with all of it’s beauty and slow-paced way of life. Long summer days, incredible surf, and plenty of fresh raw coconuts to drink under a palm tree while you watch the Sun sink in to the ocean on a warm beach.
This was a place where my soul was healed. It snapped me out of my everyday life and gave me perspective. It wasn’t the destination specifically, but where my soul went to when I got there. I can’t remember being any happier in my life then I was during the time I spent out there. I think about it everyday, and all I could hope for is that everyone finds a place like that because even though it’s half way around the world, and a piece of my heart is there, and I brought a little piece of it back with me that lives on in me.
When I get sad, upset, hurt or depressed, I think of my ambitions, my family, my why. I start looking for all of the things to be grateful for like my family, my close friends, food, shelter, wisdom, my mentors, and above anything else, God who had allowed for all of this to be possible.
In the end, all we have is our memories and experiences. A goal, is a potential experience which will never become a memory good or bad if you don’t attempt it. The funny thing is that you can any time you want. You don’t have to wait for the new year. For me, I have made it a ritual that I start reviewing the progress of my current year and planning my goals for the next year at the beginning of November so that by December 1st I am ready to execute the plan. This puts me ahead of everyone else because while everyone else seems to be recovering from a new years hangover and trashing your body during the week of Christmas to new years, I’m completing my 30th day of my transformation which by the way happens to be tomorrow.
Here is what my december looked like.
– 1. 10 Days Cleanse – Lost 9bls under 10% body fate
– 2. Picked up a new sales job, ran the weeks of X-mas and New Years and raked in an extra 3.5K
– 3. Signed up and paid for a Forex trading school that starts next week.
– 4. Prayed every day, meditated every other day
– 5. Completed my 13th year of sobriety.
– 6. Cut ties with people in my life who don’t serve me.
– 7. Reviewed goals from 2013, saw where I did great, and where I need work and then set goals and started them for 2014.
-8. My partner and I raised money, and signed a contract with our developer to build the prototype for the website and apps for our start-up with a time-line to have a fully functional Beta version by May 2014
-9. Straightened the relationships with the people around me, family, friends and girlfriends.
-10. Got serious clarity on what I am to get accomplished the next year.
Not bad for a historically slow business month with lots of over eating, wastefulness and outright disregard to your body 🙂
My advice for you is to go out from here, get clear on what you really want. If you send the universe a mixed message, then that is exactly going to be what you will get in return. Be specific, I can guarantee you that the 8% of people that will stick to their new years resolutions were extremely clear on their intentions. In fact I know they were because I am one of them and I have very close friends and mentors who live by this stuff.
So I wish you and incredibly successful, happy, joyous and free new 2014 and life in general. I hope that you get all of things in life that you want, and I hope you want them as bad as I want them from you 🙂
Lots of love!
P.S. If you ever forget where you come from, here is a little clip from one of my favorite movies of all time that reminds me where I come from and helps me remember whats really important in life.
80% Mental, 40% Physical equals 120% Confusing right? Yes if you are used to giving only 100%, but it makes perfect sense if you play at 120%
I’m in the final week of my 30 day transformation and my brain is firing on all cylinders. I’m so pumped for 2014, and I have a lot running through my mind so I want to get it all out on this blog before I forget. I’ll post one more blog from the 30-Day transformation series at the end of the week re-capping the entire experience. In the mean time, enjoy this one!
Is this just mental masturbation or am I actually going somewhere with this? Well, let me explain. As I was driving out to Lancaster CA,( known for its gangs and the home-based Meth Lab Industry) I was listening to the audio version of “The Secret.” Weather or not you’re a fan of this type of spiritual quantum physics or even know of the book there is definitely something too it. Here is a brief synopsis
The Secret highlights gratitude and visualization as the two most powerful processes to help manifest one’s desires. It asserts that being grateful both lifts your frequency higher and affirms that you believe you will receive your desire. Visualization is said to help focus the mind to send out the clearest message to the universe. Several techniques are given for the visualization process, as well as examples of people claimed to have used it successfully to manifest their dreams..
Finally it introduces a 3-Step process on how to receive anything that you want in life, 1. Ask 2. Believe 3. Receive. Now before I go in to this I want everyone reading this to know that I started out not believing in personal development / self-help in general. I thought it was cult-like pseudo science and only really impressionable people got caught up in it.
The world of personal development was first introduced to me at 23 years old in my first network marketing company. At first, I thought it was all a bunch of bullS*&%. When I was first exposed to it, this scene best describes how corny it felt to me.
Then over time, I started to pick up a couple more books, audios and even attended my first Personal development seminar, it was a Millionaire mind intensive based off of the teachings in T-Harv Ecker’s book, “Secrets of the Millionaire Mind.” The event was a sell-fest, and half way through it, I realized that this wasn’t the first P.D. seminar I had ever been to. Turns out that these concepts were first introduced to me at the ripe young age of 12 when my mom sent me to a Landmark Seminar for children. I though it was cult-like, and can’t remember all that much from the actual seminar but all the people seemed to be happy and really motivated. Maybe they programmed something deep in to my sub-conscious and are planning to activate me later like some kind of Manchurian candidate situation, but I doubt it because when you start to understand how personal development “gurus” use phycology, you can dive deep in to what makes them so successful at what they do, but before I get into that, lets back up a second to where it all began for me.
My first real exposure to any kind of personal development concepts was actually in Alcoholics Anonymous. I got sober when I was 16 years old and haven’t had a drink since. I am still an active member in AA and work with new members constantly. I didn’t realize how much personal development is embedded in the 12-steps until I was re-introduced to the P.D. world later in life at 23 years old. Now keep in mind, I had been sober going to AA for more than 7 years before I was re-introduced to the personal development world. When I saw the concepts that were being taught in the world of P.D. for the second time in my life, I was much more open to it because I was a product of what success can be had from a 12-step group oriented self-help organization which in many ways has similar results of any good P.D. system.
You see, there are a lot of critics out there. In fact you can find a whole world of people who will call anything that comes from the personal development world pseudo-science and throw out any value it creates because there is no scientific merit behind it and the curriculum is not being taught by people with a Ph.D behind their name. Instead, most of the big names from the P.D. world like Tony Robbins, Les Brown, Zig Zigglar, and Jim Rhone to name a few don’t even have a college degree let alone a high school diploma. Instead they speak and teach from personal experience and everything they have developed comes from interaction and experiences with real people. Much like AA, there are no doctors, no professors, or Ph.d’s, just a couple of normal everyday people who have had some pretty incredible experiences in life and then decided to share those experiences as a way to help others breakthrough problems and barriers that are in their life so they can go on to actually living again.
To me, none of the semantics matter. It either works or it doesn’t, and that is the only measuring stick that I need. AA was the last place that I ever thought I would end up at 16 years old. In fact my only knowledge of it was what I had heard here and there combined with the satirical portrayal seen in movies and on T.V. I though AA was for homeless people who lived in dumpsters and drank Mad Dog 20/20 out of a paper bag. When I got there, it was quite different from anything I could have anticipated. I was shocked to find out that the only requirement for membership was a desire to stop drinking, no dues or fees, and to my surprise were not affiliated in any way, shape or form with a religion, political, governmental, scientific or even non-profit organization. It was started by two guys, “Bill and Bob” who stumbled on to the idea of creating a support group to help other alcoholics through an experience they had together. What they found was a way to help themselves and others stop drinking and using drugs where science and religion had failed to do so. Moreover, they orchestrated a method or system of how to have a better life or in many cases, get any kind of life at all back.
Strangely enough, to this day, all the doctors, scientists and governments in the world have not been able to “Cure” alcoholism or addiction. Since AA was founded in 1935, millions of people have not only been able to quit drinking, but their lives changed dramatically for the better. I wrote a paper about AA back in college arguing that Alcoholics Anonymous is the most significant social movement of the 20th and 21st centuries, but because it’s anonymous no census or accounting has ever been done, and will never be done because it violates the traditions. There is an estimated 2 million+ members with over 160,000 meetings all over the world. The most significant part of all of this is that until 1935, the only option all of those people would have had was to spin dry in a sanitarium, go to jail, or just die. It starts to become exponentially significant when you begin to think of all the people, families, kids, employers etc. that have been positively effected by all of those generations of people who stopped being a down and out drug addict alcoholic and turned in to a positive productive member of society. Now multiply that number 6 times, and you will have you get 6.4e+37 aka a lot of f^%#$%^ people. That ripple effect equates to roughly the earths total population a couple of times over.
So what does all of this have to do with personal development. Simple, not everyone is meant to go to AA. You may not have a life ending alcohol or drug problem. You might just be a normal person looking to find deeper meaning to your own life. For me, I found that I needed AA but desired to have what the self-help personal development world taught as well. AA to help me recover from a seemingly hopeless state of mind and body and then the philosophies from the personal development world to help me take that life I got back thanks to AA and turn it in to something incredible.
Most people think that sharing feelings and showing emotion makes you weak. Kind of like if you see a psychologist you don’t shout it from the roof tops, you keep it private. The P.D. world has a much different formula, usually group settings and as one on one time with a guru, well that can get expensive. I have seen a type of human interaction being done in large group seminars which is completely contrary to anything most psychologists would think is a good idea, but something happens there. You feel elated and empowered by the group and a feeling of community and togetherness knowing that you are not the only person in the world who experiences pain, suffering, loss and hardships. This feeling is usually experienced at a church of some kind which is why a lot of the religious world frowns upon personal development because they are stealing the churches age-old techniques and giving people something a little more tangible the a bible and a confession box. Not to say church or God are bad in any way, I’m very spiritual myself just not religious. You should see some of the people who have bridged that gap and have turned a religiously motivated personal development method in to a CASH COW like Joel Olsteen with an estimated net worth of $40-Million. I’d say having Jesus on your side doesn’t hurt 🙂
My belief is that if it works for you do it. There is no set way or one simple cookie-cutter method that is going to work for everyone. Personally it has taken me more than 10 years to find my spirituality, and I was actually searching for it the whole time. My journey will never be the same for any other person, similar perhaps, but never exactly the same. What worked for me, may not necessarily for you but what I can tell you is that I have learned some capital “T” truths through my years in the personal development world. I’ll take this time to share a couple of the profound nuggets of wisdom with you know.
– Faith without work = Jack Shit
– You can manifest positive things, but if another person is manifesting the same thing and willing to work 40 more hours a week for it, he or she is probably going to get it before you.
– Spending money on Personal development is great and I believe in it 100% do it, it’s worth every penny.
– If you start something, finish it! If you don’t plan to finish it, don’t even start it, just go back to sleep.
– Never stop learning!
– Always keep your belief system negotiable, be stubborn, stick to your morals, but if presented with a better way, be quick to adapt it and then slow to change it.
– Mentor’s aren’t just a good suggestion, they are imperative to your success in life in any and all situations.
– You are the company you keep, meaning the 5-closest people to you define exactly what your habits, morals, and what your net worth probably equates to, if you don’t believe me, write those names down and do the math.
– A mentor is not a friend, he or she is the person to kick you in the ass and give you life saving advice. So don’t get mad, upset or hurt when they tell you something you don’t want to hear, that’s the point.
– You don’t know what you don’t know, because if you knew you would have, and to know and not have is not knowing at all. 🙂 (Thanks Casey, I think I got that one right)
– People/Friends are assets or liabilities. Know what you can afford.
– If you can’t manage $10 you will never be able to manage $1,000,000
– Delayed gratification is the truest sign of maturity and wisdom.
– Keep it real, stop lying to yourself, and be great, don just think it, talk about it, or write about it, do it!
What I love about most personal development is that it is so simple, that it’s kind of hard to accept. I mean seriously, I’ve read some books that I thought were going to give the most profound pieces of paradigm shifting information, instead I got catch phrases like “keep it simple” and “mind your business.” What? Are you kidding, I paid 4 grand to go to a 4,ooo person Tony Robbins event, and he told me that “my past doesn’t define me?” Exactly, and that precisely why it works. The times where I thought “this shit is stupid, I could have come up with this!” But then the next questions I asked myself spelled out exactly why I needed it and why it was so valuable: It was because even though it was so simple, I didn’t come up with it, or simply overlooked it because I believed that nothing that profound could be so simple.
Then one day while I was getting interviewed on a nationally syndicated radio show, I was asked the questions “Steve, you do so much, your so successful at such a young age, how do you do it?” What came out of my mouth astonished me to, and I said: “lists, I make lists of things I need to do, and then I cross the items off one-by-one until they are all done.” The radio host looked puzzled, as if she was waiting to here the rest of the answer, but that was it, if I added anymore it would have just been me adding fillers to make it sound better.
In the theme of keeping it simple, here are some of my favorite clips from Will Smith being asked very similar questions and giving very simple answers. I guess I’m not the only successful dude who believes in keeping it simple and just sticking to answers that even 3rd graders can wrap their head around.
In conclusion, I will to circle back to where i started. 80% mental and 40% physical. A very wise man once told me that I could push myself 100 times harder than I even thought I could, and until he told me that, I never thought it was even possible. Much like if you asked 100 people in a room in the year 1901 if humans would ever fly, 98% of them would have thought you were crazy, and maybe 2% of them would be optimistic enough to think it’s possible, but if you asked that same question in 1903 after the Wright Brothers flew for the first tim, 100% would agree that it is was the capital “T” Truth type possible!
Quantum Physics, Metaphysics, and spirituality pick up where modern science and religion ends, and to me the study of the unknown or imagining what could be possible is the only way to move humanity forward. If fellas like Thomas Edison and Albert Einstein didn’t think like that, we might still be living in the dark and have never gone to space. Crazy right? Wrong, makes perfect sense actually. The line between genius and insanity is a fine line, and it takes a real confident (and a tad bit crazy) human being to continue to have faith and believe when 98% of the people in a room don’t think what you’re doing or saying is possible and that you are some kind of charlatan.
This is what the message of personal development always meant to me. It reinforced the fact that anything is possible if I set my mind to it. It gave me tools to deal with the people who would try to pull me down and shit on my dreams. It gave me a community of like-minded people who believe that we were put on this earth to do a little more than work a 9-5 job for 40 years and retire with a gold watch. P.D. helped shape and develop my entrepreneurial mind because god knows they don’t teach that shit in college, and finally and most importantly, It restored faith and gave me hope that as long as there are people on this earth pushing to move us forward then we may just pull this whole thing called life off with out killing each other and starting wars and conflict with our fellows.
I like to think how far we would have advanced as a human race if we spent all of the time, money and effort we have spent on fighting with each other and put all that to advancing the human race across the board in Science, phycology, renewable energy and educating the masses. Maybe we can start that type of campaign in 2014 🙂 Whoever that guys is, he’s got my vote!
To find out more about the books I have written and a more in-depth look in to what I have learned through my years of personal development, check out my book “The Young Entrepreneurs Guide to Life.” I hope this blog motivated you. Happy NEW YEAR, let’s make 2014 incredible.
3 Weeks ago, I took a sales job to help keep me going while I continue to bootstrap my start-up company. Sure I still make a little money from my Multi-Level-Marketing company, but not nearly enough to live off of and definitely not enough to take any kind of Mini-Retirement Vacations. I have never been an advocate of full-time multi-level-marketing anyway, that is NOT the model! A good MLM company gives the person who has a day job the ability to add income and then after about 18-36 months produces enough income to replace what ever that person was making at their job. This idea of being a full-time networker with no experience in that space is a bad idea, you will most likely run out of money and burn through your savings before you get profitable forcing you to go back to your job with your hat in hand. Trust me, I know, I’ve made that mistake before.
All to many times I see people jump from company to company trying to “Find the right one” and that is just a bad way to go about. Do I believe in MLM? Yes, from the bottom of my heart, but I don’t believe that putting all of your eggs in to one basket in life is ever the correct path.
I think the correct path should look something like this, and keep in mind, it doesn’t matter how young or old you are, this still applies.
Now, if at any point, you get knocked on your ass which you will, you simply start the steps over. It is what I am doing in my life right now, what I’ve done in the past and what I will do in the future. Why, because none of my financial decisions are based on emotion, if they are, you’re losing at the money game. Even when I’m down, I still strive to make logical decisions when it comes to money. That kind of delayed gratification is what allows wealthy-minded people to stay rich, and poor-minded people to continue to stay poor or loose you wealth. If you are anything like me, you will find that you become much more resilient to the ass kickings life throws at you once you have been through a couple of them. For me, it’s never about how hard I fall or what I lose, it’s all about how quickly I can get back up. This time around, I didn’t lose much as I was 10 times more subsidized and protected than I was when I went through some similar circumstances at the age of 23. I predict it will take me less than 6 months to clear all debts, and be in a cash flow positive situation traveling around the world by the end of 2014.
How am I so sure? Great question. Let me ask you this, if you were 23 years old and woke up one day and found out you were all of sudden $160,000 in debt, what would you do? If you make 50k a year, you would be shitting bricks. What if I gave you the same scenario, but you made $190,000 a year before. Probably not so bad right? Ok set that aside for a second and let’s assume that you have been in debt most of your young adult like I was and like most Americas are. We’re conditioned from a young age that it is ok to live like this. This is why you get credit card applications in the mail @ 18 years old and high schools, colleges and employers never even teach the most basic of finance. “The Man” i.e. your boss, the government (IRS especially), super rich people and the owners of banks and lending institutions etc. don’t want you to figure this out. They want you broke, tired, hungry and pre-occupied with shit that doesn’t matter like video games, American Idol, and spectator sports so that you are not paying attention to the fact that they are ROBBING you blind. If you don’t believe me, enjoy this video.
Debt, should be used as a tool, not as a way to get instant gratification to buy yourself things that you cannot afford, or even need in most cases for that matter. With the exception of college loans (Which I think is another racket anyway) you shouldn’t have any debt unless you own a business that produces income, or own a home. The fact that no one ever told you that you shouldn’t be in debt isn’t really an excuse and if it is, I’m telling you now. Don’t worry, it’s not like our country leads by example, they’re 16 trillion in debt, so don’t worry about them, because policy isn’t going to fix our problems here on the ground right now today as it pertains to you and your family or future family.
The point is that all those institutions make money off of our continued ignorance. Why does everyone hate them? Simple, because they’re smarter than us and no matter what recession we go through, the good people at Goldman Sachs or in Congress don’t seem to mind all that much our struggles doesn’t affect them. While were slaving away everyday trying to collect their scraps going to work every day to run on the mouse wheel they are taking million dollar bonuses from our bail out money and buying yachts. Do I not believe in Capitalism? Of course I do, and in order to achieve the types of results that they have been able to achieve you simply must understand their game.
Solution: Stop borrowing money. If a bank sells money, and we’re not buying it, the bank can’t make money. If we bought houses cash, we wouldn’t need a mortgage. If we cut up our credit cards, we could only spend what we had incurring no negative interest. If we took a job we didn’t like as a means to buy us some time to find something better, then we would all be doing things we liked and wouldn’t get stuck in the rat race. If we were always educating ourselves with the same materials the richest people in the world did, wouldn’t that level the playing field a bit? If we could all wrap our heads around this idea of delayed gratification, wouldn’t we become less impressionable to consumerism thus driving all prices of consumer goods down substantially because fewer people are “willing” to buy.
Ask yourself, do you really need a new car every year? Do you feel so left out because you don’t know who won the game on Sunday? Would it kill you to watch a little less TV and maybe read a book? Don’t you think you were put on this earth for more of a purpose than running on the hamster wheel, getting your food pellet, drinking water, playing a video game and getting back to running on the wheel again?
So lets start moving in the right direction, let’s stop trying to look good and actually do good. Nothing makes me happier than seeing my friends, and people I love find themselves in life and achieve great success. So much to the point that I have dedicated a large part of my own life to help people do just that. The help is there for those who seek. I sought it out when I was young and it got me to where I am today. As it turns out, all the successful people I met growing up were happy to help guide because they saw my willingness to learn and the way I sought out enlightenment. Let’s stop lying to ourselves and get honest with each other about where we a really at now, and get very clear on finding just what our real purpose is here in this life.
So if you have a Job, work your ass off at it, find something you actually love doing and then get out of there before you forget your dreams. There are no shortcuts in life that lead to the top of the mountain, you’re going to have to climb it, and the first time is always the hardest and scariest. I know because I have tried a couple of shortcuts while climbing the mountain and they always led back to the hamster wheel. The irony is that once you master that mountain and you can afford to buy a helicopter to fly to the top, it doesn’t seem all that hard to climb anymore anyway 😉
I wish you the best of luck out there, and take it because you’ll need it.
I know everyone raves about cleanses, the longest I have gone is 3 days with no food. My good friend and mentor Casey Combden has been raving about this particular one for the past months. He lost like 20LBS from it and you could tell.
Because I come from a network marketing background I have seen just about every health and wellness product from magic wands to rubber band bracelets that regulate your electro-magnetic-spectrum. Needless to say, there is a lot of bullshit out there. So I thought I put this one to the test.
Knowing that I was doing a big month-long transformation coming in to the new year, I figured why not? However, I didn’t know that I was signing up for not eating the whole time and for an active guy like me, you can’t workout and train MMA on purely supplements and green juice so when I found out exactly what was expected, I knew this one was going to be difficult.
Of course, just like every other diet thing that’s being advertised, I did before and after photos and took serious measurements as to make sure of exactly what was going to take effect with my body. I went in to this being a non-believer making only the commitment that I would stick to the plan, track my results and give fair feedback.
So, here are my before’s and my day one specs.
Day 1 (12/9/13)
Day 10 (12/19/13)
My goals in doing this was simply to see how much I would benefit from it all around. I don’t really need to lose a lot of weight and I eat pretty clean as it is, so I wanted to see what a cleanse could do for a guy who is pretty fit and eats well. Next is my daily journals.
Day 1: Pigged-out yesterday eating candy and bad food because I know it’s all over today. Felt extremely hungry by thing end of the day following my 1.5 hours of MMA training at the club. Met all goals on meals and supplements. Don’t feel anything yet.
Day 2: Woke up with a massive headache 🙁 Felt dehydrated which was weird because I have been drinking water like CRAZY! Got really hungry today, and after I worked out for 1 hour in the gym doing light cardio and heavy-bag I got a migraine. This cleanse is killing me, I hope this is all part of the process.
Day 3: After consulting my Purium rep, I learned that I wasn’t supposed to be working out really at all. Probably should have put that together. If you are burning 4500 Calories in a day and taking in less than 1000, it’s not a fat burning mega session, it’s a body shock and you get sick, just like I did. So after this I ate some veggies and nuts on top of my allowed flex foods to balance me out. Felt better by the end of the day.
Day 4: Spent most of the day at home in front of the computer doing admin work for my new job project I took on, thus not much movement = no excess burning of calories and I didn’t feel hungry or sick. Good day.
Day 5: We had the 5th annual ugly sweater party at our house and I totally cheated and ate some real food that was definitely not on the plan 🙁 Today I get a C, and not an F only because I cheated at night and stuck to the plan the whole day.
Day 6: Feeling guilty about my slip I went to the gym and did a light workout, felt very weak and tired. The amount of Aminos I am taking should prevent any loss of muscle, but I’ll be the judge of that on day 11/12 when I eat a full meal, get a good nights sleep and go spar at the MMA gym. That’s the quickest way to find out how much stronger, or how much endurance was gained in any diet/exercise program to me.
Day 7: I really miss food. I’m used to not really eating by now. All food is to me is fuel. I’m not working out for the rest of the cleanse and am going to stick as close to the suggested regiment as possible to maximize the end result. I felt a little bit of my energy come back and I am literally pooping green! Yuck, but in this case, green means healthy.
Day 8: Felt good today, no hunger, no real loss of energy, I think my body has finally adjusted. I do however miss working out and being active. I would have been really upset if I missed the surf today because of this cleanse, but work kept me from doing that which was cool because I closed my first deal at the new job today and it was my first day 🙂 NICE. (That’s the pocketbook part of my transformation, Ill be blogging about that over the next week or so).
Day 9: God I want this to be over! Actually today wasn’t that bad. With my new job and in a stressful environment, it’s easy to forget to eat, this actually worked in my favor today and I closed another deal! MONEY$$$ So yea, It’s all down hill from here. I am already planning what kind of meal I am going to have the day after tomorrow and it will be glorious. I can’t wait, felling great today, high energy, high spirits.
Day 10: So stoked that this is almost over, don’t even know what I am going to eat, I’ve been thinking about it all day. I’m in the clear feeling great, energy and high on life from the accomplishment.
Overall I thought the cleanse was good, however I will suggest that if you are very active and in descent shape already, this might be more than you need. If you do want to go the 10 days, I would suggest supplementing more food in there so you can continue your workouts.
If you just want to lose weight, this cleanse is Ideal, I lost about 1 lb per day which is pretty amazing! So if you are a person that needs to cut 20+ LBS, this deal is the ticket for you.
I went to the gym tonight and did my normal work out which is a mix between plyometrics, cross-fit and heavy bay training with boxing gloves (KRAV MAGA Style). I felt weaker in my punching and kicking and more easily fatigued than normal. I think I can be back to normal in a week. The good news is that my body and digestive system is SUPER clean, and my metabolism is running fast. All I have to do now is stick to a clean meal plan (with one cheat day a week of course), some light lifting and endurance training and Ill have 6 pack in 30 days!!!!
All in all, I’m a believer. I will say this last thing though. My mom is a registered dietitian in practice for almost 40 years. She puts it very simply. “If you want to lose weight, take in fewer calories than you’re using on a daily basis.” I always loved that because in essence you could eat cake every day and as long as your willing to bust your ass in the gym for 2 hours after, eat all the cake you want 😉 , everything in moderation right. It’s all about balance, find something that works well for you, stick to it, and track results to see if what you are doing is actually working.
For information on this cleanse and how you can get it for yourself, please email me directly @ firstname.lastname@example.org and I’ll hook you up!!!!