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Quote of the Day – Comparison Is The Thief of Joy (# 2)

“Average people compare themselves to others; successful people compare themselves to their potential.”

Something I’ve noticed over the last several years is that so many people count themselves out of something or tell themselves they can’t do something because they compare themselves to somebody else. People give up on their dreams because of it, which is a pretty depressing thought. I know people who know what they want and know how to get it, but they will tell themselves they can’t do it because they look at the success of some other person and will say something like, “I can’t be successful like them because I’m not as talented as they are” or any number of reasons. They compare themselves to someone else and count themselves out because they don’t believe they’ll be as good at what they want to do as someone else is. They rid themselves of joy and the success they could have in life.

Comparison is the thief of joy.

Here’s a perfect example from a personal experience. At the time I was introduced to AdvoCare I was about as lean as I had ever been and didn’t really have any weight to lose. I saw a lot of people having success in AdvoCare and I noticed that nearly all of them lost a considerable amount of weight. So I told myself, “I’ll never be successful in this business because I don’t have a great weight loss story.” I began to count myself out before I even started. I compared myself to others and chalked their success up to some incredible weight loss story. Luckily I broke out of that mindset and decided not to allow comparison to steal my joy. I did what I wanted to do and now I have been able to retire from the practice of law at the age of 35, both my wife and I are work from home parents, we have eliminated six figures of debt, and we have complete time freedom to do what we want and when we want.

So if you want something in life, put your blinders on. Don’t look to your left or right. Focus on the end goal and achieve it. It doesn’t matter what anyone else is doing.

comparison is the thief of joy

Dear Camille… This Thanksgiving Will Be Different

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Dear Camille,

It’s been a very long time since I have written you and before I tell you why this will be a better Thanksgiving, I have to update you on all your milestones. I have been keeping myself busy so that you can have an even better Thanksgiving this year than you did last year. The last time I wrote you was just after your first Christmas and A LOT has changed since then. Sorry it has been so long. You’ve been RUNNING everywhere and have picked up a ton of words such as shoes (“ishes” as you like to call them), Jesus, Momma, Papa, Nana, bar, ball, bottle, cookie, cheese, chicken, brother (“bruba”), no, woof, puppy, and many more. You also know where your hair, eyes, nose, toes, ears, mouth, belly button, and hands are! You are so smart!!!

You’ve been climbing on EVERYTHING and love being around your brother. In fact, you can’t even walk by him without hugging him and kissing him on the head. It’s one of the sweetest things we’ve ever seen. He smiles more for you than he does for anyone and yesterday he just made his first real laugh. He’s super happy in general, but by far the happiest when he’s around you.

So let me tell you why this Thanksgiving will be different. A few years ago, before you were even born, I knew that I wanted to give your mom the opportunity to be home with you all the time. I knew that before I even knew your mom. So I removed all excuses and went to work so that when I met your mom she could have that opportunity. I was able to make that happen in a short amount of time and I thought that if I could accomplish that goal then all would be good; however, after you were born something changed. I still wanted your mom home with you, but that wasn’t going to be good enough for my little girl. You deserved much more than to just have your mom home with you.

Every day as I would leave to go to my job I would kiss you goodbye probably 50 times and you would smile. Then when you could stand up you would stand in the window of the door crying and screaming “Daddy!” every day as I left. It broke my heart to leave you every day. There were many mornings when I had to fight back tears backing out of the driveway and some mornings when I lost that fight. Then throughout the day I would watch you grow up through pictures or videos that your mom would send me while I was at work and it would tear me up even more. I would have the hour after I got home from work to spend with you and the majority of that was feeding you, bathing you, and then putting you to bed. It wasn’t enough for you and it wasn’t enough for me.

Then when your brother was born I took 12 weeks off of work and it hit me. Why not just always be home with your mom and the two of you? After talking it over with your mom we have decided that we would both be home to raise you and your brother and that is why this Thanksgiving will be better than the last. So instead of just enjoying the holiday weekend and then going back to a job on Monday only to see you cry in the doorway, I will wake up Monday to get you out of bed, hug you, kiss you, feed you breakfast, take you to the park or even chase you around the house because I can. I no longer have anyone telling me that I have to come into work from 8:00 to 5:00. I no longer have to ask off for vacation to take you to fun trips around the country. I have fired the boss and given up the 40 hour work week so that now we can always be on vacation my little love! We no longer live life on someone else’s terms. We live life on our own terms. Happy Thanksgiving Sweetheart!

I love you,

“Dada”

Monday Motivational Shorts… “Make Time”

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When I share an incredible opportunity with people the most common objection I hear is, “I don’t have time.” I said the same thing when someone introduced the same opportunity to me 3 1/2 years ago. At that point in my life I was working 18 hours a day (4:00 a.m. to 10:00 p.m.). I “didn’t have time” for anything else. The truth is, you’ll never “find” time to do anything, but you can always “make” time for things that matter. People make time to watch their favorite t.v. shows, they make time to go out with friends, they make time to go get a few drinks, they make time to fool around on social media for hours throughout the day, etc. There are 24 hours in the day. You’re sleeping only 6-8 of them. Make the time to do things that matter. If I didn’t make time to do things that mattered 3 1/2 years ago then our family would be burdened with daycare costs, hardly ever get to see our child, we would have an unreal amount of debt, and be living with financial stress month after month. I know that life sounds familiar to the majority of Americans and may even be considered “normal” by today’s standards. Instead, my wife has the opportunity to raise our child, we’ve eliminated over $170,000 of debt, and we don’t stress when the bills come around every month or when we have a “surprise cost” when something breaks. Our goal is to make the “normal” type of life a rarity or non-existent for as many people as possible. ‪#‎thankyouadvocare‬ ‪#‎whowantstobenormal‬ ‪#‎maketime‬

24 hours in a day make time

If Nothing Changes…

If nothing changes nothing changes

Have you ever noticed people (family, friends, co-workers) complain about their circumstances, but they keep living the same old routine day after day? They don’t change anything. They wake up, go to work, come home, eat, watch T.V., go to bed, etc. in hopes that someday and somehow their life will just get better. I have news for those people… it won’t. The hard truth is… if nothing changes then nothing changes.

Are you one of those people stuck in the hamster wheel of life? The never ending rut where you find yourself constantly saying “next month we’ll be doing better” and then something else comes up?

Ask yourself this question… are you okay if nothing changes?

Are you okay if nothing changes?

If you answered “yes” to that question then ask yourself the following…

If you lost your job, would you still be okay? If not, wouldn’t you think it would be wise to have a “Plan B” income even to give you peace of mind?

Is your marriage the best it can be? Are you the best spouse you can be? If not, why don’t you look into ways to improve your marriage? (Marriage conferences, read books on marriage – “The 5 Love Languages” would be a good start, or hang out with couples who’s marriage you would like to emulate)

Are you the best parent you can be for your children? Children spell “love” T-I-M-E. Do you give them enough of it or just what’s left over at the end of the day?

richard branson if someone offers you an amazing opportunityFor things to change, you must change. Nothing is going to change by you “going through the motions” day in and day out. I know because I lived that life. At 32 years of age I was working 18 hours a day trading hours for dollars because there was always too much month at the end of the money. My student loan payments were crippling. Instead of hoping that the government would come to my rescue and bail me out by forgiving my loans, I took personal responsibility for making the choice to borrow the money in the first place, which meant I had to work a second job. Then I lived that 18 hour a day life for years until my friend introduced me to AdvoCare. In the past 3 1/2 years, AdvoCare has helped us eliminate a personal loan, three student loans, and five nearly maxed out credit cards. It’s given us the option to allow my wife to stay home and raise our children. It allows us to have more money to give to causes dear to our heart. It gives us peace of mind that we never even dreamed of until we were surrounded by the culture and the people involved with AdvoCare.

If you don’t have a plan to give you more time with your family, eliminate your debt, or a Plan B income to take care of your family if you lose your job then it’s time to make some changes. If not AdvoCare then what’s your plan? If not AdvoCare then that’s okay… just do SOMETHING to better your situation.

 

 

Dear Camille, You Had Your First Beach Trip!

AdvoCare Kids on The Coast Incentive Trip

Dear Camille,

You had your first beach trip! It was the AdvoCare Kids on The Coast Trip and it was a blast! I’m sorry that you didn’t get to actually go ON the beach because of how hot it was outside, but at least you got to hangout in the cabana at the pool. The ceiling fan in the cabana was a nice touch. We were so blessed to spend time with 249 other families that we love and the best part about it was that we didn’t have to spend anything! That’s right, it was FREE! We’ll have to pay for Disney World though when we go, but that trip will mostly be for your mom. She’s a Disney fanatic. I’m sure you know that though since she plays Disney tunes for you every day. I’m sorry about that.

It was a 5 hour trip total, but we broke it up into two 2 1/2 hour trips since we got to stop at Nonnie and Papa’s for a weekend. You slept the entire trip there and then to Destin only waking up once to go potty. I still can’t believe it. You are an awesome traveler!

Out of the 250 families on the trip, there were over 300 kids and out of the 300+ kids on the trip, you had to be the most famous. Everyone loves you little angel. Not that you needed any help looking cute, but your bathing suit only added to your cuteness factor. Oh, and that flower hat… adorable! Here’s a pic of you climbing all over mom under the cabana and another when you were pretending to be shy:

AdvoCare Kids on The Coast Incentive Trip

AdvoCare Kids on The Coast Incentive Trip

 

You even made room for a snow cone… well, it was snow cone unflavored ice. You appeared to like it though.

AdvoCare Kids on The Coast Incentive Trip

While on the trip we had a chance to hangout with some pretty famous people. We got to see Trevor Bayne who drives the AdvoCare #6 car. I hope to God that you are never in a car that is even possible to go as fast as he drives. 🙂 He ate lunch with everyone and then played beach volleyball with us.

AdvoCare Kids on The Coast Incentive Trip

 

We also spent a good bit of time with one of our dear friends, Ron Reynolds. One day I’ll be able to explain to you how much this man has changed our lives and your future. He is the reason your mom and I have eliminated over $141,000 of debt in under 2 1/2 years. Here’s a picture of you with Ron. You blinked when I took the picture. 😉

Ron Reynolds debt buster AdvoCare Kids on The Coast Incentive Trip

One of our favorite parts of the trip was the pajama party movie night where we watched “Despicable Me.” Although that movie is pretty good, I think the best part was hanging out with you and mom in our pajamas.

AdvoCare Kids on The Coast Incentive Trip

AdvoCare Kids on The Coast Incentive Trip

Don’t worry that you slept through most of this trip because there will be many more trips like this my little one. You are a blessing to us and to everyone that knows you. Your smiles are contagious and your laughs are even more so. We love you so much and cannot wait until our next trip with you. Until then, there will be many days of lounging around the house in your little lounger with your mom playing Disney music and me reading you books.

Love you sweet angel,

Dad

P.S. Thank you for not pooping in the car when we changed you. I REALLY appreciate that.

I Know It’s Hard To Believe – So Here’s The Proof

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Over the past 2 1/2 years, I have made multiple posts on various social media sites regarding how much debt I’ve eliminated and the other day I made another one. I know how unbelievable it is for someone to eliminate over $137,000 of debt because honestly it’s hard to believe it myself. The higher the number goes, the more unbelievable it becomes, to others AND myself. I think the reason is because most people don’t know it’s possible to become debt free. For most people, by the time they pay off or come close to paying off their car, they’re having to take out a loan for another one, take out a second mortgage on their home, secure a mortgage on a new home, while still paying off credit cards and student loans among many other creditors.

So because I realize most people can’t believe it, I decided to show everyone just how true it is. I scanned in letters from financial institutions and took screenshots from credit card accounts (THANK GOD our credit card debt is GONE!) A few things that aren’t shown here are the over $7,000 of a veterinary bill I had from when Jackson went to the vet hospital and tried to die on me, hundreds of dollars in outstanding medical bills from my knee surgery, and payments made on my Jeep.

Before you say… “how did this guy have so much debt!?” I’ll tell you. When you go to private undergrad and private law school, the student loans add up fast. Then when I had to start paying them back and the minimum payments consumed a large majority of my paycheck every month, I felt like I had no other option at the time except to use a credit card just to put food on my table and gas in my car. So that’s how… not to mention we were not allowed to work my first year of law school.

I understand that not everyone has had as much debt as I did, even for those that own a home. I also understand that earning extra income to be able to do what I’m about to show you below may not be for everyone… BUT what if it is for you?

Thankfully AdvoCare has the DebtBuster program, which helped me eliminate loan after loan and credit card after credit card. Your proof… see below. 😉

Let’s start with this personal bank loan:

While going through some mail I found this letter regarding paying the balance of my personal loan IN FULL! WHAT WHAT!!!? #refreshing Thanks “June Pridmore” and yes,  I bet you do “hope to have the opportunity to serve me again in the future.” Thanks but no thanks sista!

Debt freedom


Next, I have a Discover student loan that I eliminated back in early 2014 before our wedding. That’s right, PAYMENT IN FULL!

Discover student loan debt eliminated


Citibank received the same treatment from me: less interest for them! Sorry, but not sorry!

Citibank student loan debt eliminated


Here was the largest credit card I had to eliminate. My Discover card was out of control and by far had the highest balance out of all of my cards. Checkout that $0.00 balance! Looks pretty sweet, huh!? We also used a bunch of that “Cash back bonus” to go toward our debt. 😉

Debt free from credit card debt


And here was Mariah’s Discover card that we eliminated right after we returned from our honeymoon to Greenbrier. Again… $0.00 balance and it’ll stay like that. Just about emptied that cash back balance on this one too.

Debt free from credit card debt


Next we have my Chase credit card. This was the second credit card I had because I signed up for a free t-shirt or a Hungry Howie’s pizza or something like that on my college campus. By the way, there are now laws restricting these credit card vultures that prey on very impressionable college kids from doing that anymore. Current balance on this one? You guessed it… ZERO!

debt free credit card debt


Next we have my very first credit card secured in the same manner as the one above. What can I say? Here I am, a freshman in college with basically no limits except for things that required money. Credit cards helped me erase that limit too. Glad that I got that one at $0.00 balance.

debt free credit card debt


This was a fun one to eliminate. Not only did I eliminate the balance, but I was left with thousands of miles that I could cash in for gift cards or free flights. 🙂 That’s all fine and dandy, but I’d rather pay for my flights instead of going into massive debt to have them awarded to me.

debt free credit card debt


 NOW HERE COMES THE DECISION POINT:

If you have significant or even minimal debt from a mortgage, car payment, credit cards, student loans, personal loans, etc. – what you just saw above can be YOU! It’s not magic. It’s not luck. All it took was an incredible opportunity and a willingness to be completely free of debt! Remember, “opportunity does not make appointments. You have to be ready when it arrives.” I have my hands on the most incredible opportunity I’ve ever seen. Do you?

The Top 8 Reasons Why AdvoCare Wasn’t For Me Became the Top 8 Reasons Why It Is

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The Top 8 Reasons Why AdvoCare Wasn’t For Me Became the Top 8 Reasons Why It Is


 

1. I DIDN’T HAVE THE TIME:

I was working 18 hours a day. I got up at 4:00 a.m. to drive to coach CrossFit. I then practiced law from 8:00 a.m. – 5:00 p.m. and then went straight back to the gym. I didn’t finish coaching, cleaning up, and programming for the next day’s workouts until 10:00 p.m., which left me 6 hours to sleep (if I was lucky). I was exhausted and my time was devoted to earning extra income to get out of debt. Then I stepped back and looked at my day. I drove 25 minutes to and from the gym twice each day. That was nearly two hours of driving time. I also had an hour lunch break Monday through Friday and didn’t do too much on the weekends. I had a lot more time than I thought when I really evaluated my schedule and the best part was that I could put as little or as much time into it as I wanted. So I began spending 4-6 hours total per week for the first couple months and quickly replaced what I was earning from the gym with AdvoCare.

2. THE MARKET IS SATURATED:

I told myself that since AdvoCare had been around for 20 years at that time, surely everyone else was already “doing” AdvoCare and I would be starting too late. If I started years ago before the “market got saturated” then I would’ve had a chance. That’s a reason I hear from people all the time and I felt the same way. What I found out is that I have A TON of family and friends that have never heard of AdvoCare before, much less tried any of the products. There is a HUGE organization 10 minutes away from us and so many people in Montgomery didn’t even know what AdvoCare was when I spoke with them. I was dead wrong and I’m glad I was.

3. IF I WOULD’VE STARTED YEARS AGO I MAY HAVE BEEN SUCCESSFUL, BUT NOT NOW:

This one kind of goes hand in hand with the previous one. I kept telling myself that I was starting too late and almost talked myself out of starting at all. Of course, the best time to start is yesterday… the next best time to start is now. I had to ask myself, “what if I started and I only made a few hundred dollars?” Well, that’s a few hundred dollars I didn’t have before I started and each day I waited to get started was ANOTHER day that I was missing out on earning financial freedom.

4. I’M NOT GOOD AT SALES:

I’m no salesman. I don’t like selling anything and I don’t like pushing products on people. I thought that’s what I had to do. Then someone helped me see what we really do here. We don’t look at ourselves as product sellers. We look at ourselves as problem solvers. The only way I knew how to help people solve their problems was to talk with them to find out what their problems were. I began to find out that a lot of my friends needed more energy, wanted to lose weight, wanted better health and wellness, and more than anything I found that I had a bunch of friends that needed extra income. Whether it was because they had a tremendous amount of debt, wanted to replace a spouses salary so they didn’t have to drop their kids off at a daycare and could stay home to raise their kids themselves, or be able to not stress over bills at the end of the month… they need help.

5. I DIDN’T HAVE MONEY TO GET STARTED:

My credit cards were just about maxed out and I owed over $200,000 in student loan debt. I was broke; however, that reason why I couldn’t was a reason why I should. I needed the income and it was only $79 for a 20% discount on products I would use anyway, I would receive my own website with zero maintenance to do, I would be given the ability to earn income two ways, and AdvoCare would send me $58 in retail products just for enrolling with zero obligations. It’s much like a Sam’s Club or Costco membership, but I received much more!

6. I DIDN’T WANT TO HAVE ANY MONTHLY FINANCIAL OBLIGATIONS:

I didn’t want any monthly sales minimums to keep my discount, I didn’t want auto-ships, I didn’t want to be forced to buy a certain amount of products, and I didn’t want my credit card to get charged monthly fees. Well, I found out that I could enroll as a distributor (wholesale customer) and have zero further obligations AND earn income. What did I have to lose? Nothing. I found out that there are zero mandatory auto-ships and that I didn’t have to purchase a certain amount of products each month to keep my discount. I could literally enroll and never purchase another thing and incur no further costs.

7. I DIDN’T HAVE ANY WEIGHT TO LOSE:

I thought AdvoCare was all about weight loss. Then I realized they have a Performance Elite and Active line, which endorsers like Drew Brees and Rich Froning, Jr. use. I also didn’t realize that there is an income opportunity and that I could help people earn extra income as well. When I sat back and thought of everyone I knew that could use an extra $500-1,000 a month, I actually couldn’t think of anyone who couldn’t use that extra income.

8. MY FRIENDS WILL THINK I’M DOING “ONE OF THOSE THINGS”:

The thought of “what would my friends think if I did this?” actually crossed my mind. Well, I’m glad I’ve never been one to buckle under peer pressure because my friends let me know exactly what they thought. Their not-so supporting responses were either, “good luck with that,” “REALLY?,” or “you’re doing one of those things?” HERE IS WHY I’m glad I didn’t listen to them: Because I didn’t listen to many of my friends…

I saw the vision to be debt-free and so far I’ve NOW eliminated over $106,000 of student loan and credit card debt.

I saw the vision to be able to provide an opportunity for my future wife to not have to get a job if she didn’t want to, which would allow her to raise our children instead of dropping them off at a daycare for someone else to raise them. NOW I am married and my wife never has to go get a job and as we await our first child to be born in 5 months, upon on our child’s birth my wife has the option (which she is gladly taking) to stay at home to raise our child.

I saw the vision not to go into any further debt at all and when my wife and I chose to get married, we PAID FOR OUR WEDDING IN CASH! Most couples go into further debt to have the size and type of wedding we did, but not us!

Among MANY other reasons why I’m glad I didn’t listen to them is that fact that I met my wife through AdvoCare. That’s been the best reason of all! Because of the amazing relationships we made through AdvoCare, we were introduced and well, you know the story.

I stepped back and looked at my life from a 30,000 foot view and saw that if I didn’t DO SOMETHING that I was going to be stuck in the never ending cycle of paying my minimum student loan payments and struggling financially the rest of my life.

“If nothing changes, nothing changes.”

You may have caught yourself saying, “Hey! That’s me! I’ve said the same things.” Well, if that is you too then I highly encourage you to get out of your own way and make a brighter future for your family. Whether it’s through letting us help you have success with AdvoCare or doing something completely different, we want you to succeed and get out of the rut that the majority of Americans are in today.

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Orange Beach Incentive Trip

IMG_4909.JPGAnother weekend… ANOTHER TRIP! This time we had the pleasure of hanging out with some incredible friends in my parents’ very own backyard in Orange Beach, AL! We stayed at the Caribe Resort and if you’ve never been there then I highly suggest you vacation there ASAP! It was amazing! The weather was beautiful the entire weekend as you can see in the pictures below. You’ll also be able to see God’s handy work and how beautiful his painting skills are.

We spent time at the pool, eating at some great restaurants, and even cooking in by having a shrimp boil on Saturday night to fellowship with some of our friends. AdvoCare has blessed us in so many ways. So on this trip we brought seven of our teammates with us to enjoy the fun in the sun!

The shot below is a panoramic view from “part” of our balcony. I stress the word “part” because if you look at the bottom left you’ll see that it wraps around the building!

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Here I put it into perspective for you by having Mariah stand at one end of the balcony before it wraps around so that you can see how long one side of it is. For those of you that know her, you know how tall she is. She’s so far away that it makes her look short!

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This is a shot from the portion of the balcony that wraps around. It’s of the bay right behind the condo. We were surrounded by water and as you can see, the weather was amazing!

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This shot is from another portion of our balcony. You can see the miniature putt-putt course, the lazy river, and one of the many pools all on the second level of the condo! When i say this place is awesome… I MEAN IT!

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This view is from one of the couches inside our 4 bedroom – 3 bath condo! VERY COMFORTABLE!

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Mariah and I decided to take a picture the first night we were there from the balcony. The views of this place at night are almost as beautiful as they are in the daytime.

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I snapped these pictures on our way back from dinner the first night. This is one of the many pools they had there. You should be able to see the slide on the right.

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All of the trip hosts went to dinner on the first night we were down there at Cobalt. The Caribe is amazing enough, but add in this restaurant and then it’s beyond words! Cobalt has some of the BEST FOOD I’ve ever had!

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The shot below is another shot from the balcony on day #2 of the trip! It’s a panoramic shot that exposes the full beauty of this side of the condo.

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This shot is of the beach in front of the condo. As you can see, there’s nothing blocking our view of the beautiful beaches of Orange Beach, AL!

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I posted up to read on the balcony the first morning as we waited for our friends to arrive. No doubt… one of the best reading spots I’ve ever had the pleasure of experiencing.

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These next two shots are from one of our team’s other condos on the bay side. This view is just as beautiful!

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The day before we left, we ate at The Gulf restaurant… ANOTHER amazing restaurant right by our condo. Quite possibly the coolest beach atmosphere I’ve ever eaten at in my life. I can’t believe I’ve never been there!

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We ate there with some of our good friends and teammates Eddie and Sara Wilson! If or when you eat there… GET THE HUMMUS!

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We were also joined by the newlyweds Justin and Michelle MacKay!

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The food at Cobalt and The Gulf restaurants was amazing, but this might just have taken the cake! Our friends, the Butlers, and us co-hosted a Saturday night shrimp boil in our condo with my grandfather’s recipe! IT WAS AMAZIFABULOUSIFICENTLY AWESOME!

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The Best Time To Fix A Leak is NOW!

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I consider myself very blessed to have as many friends as I have. Because I have a lot of friends, I know people on both ends of the financial spectrum. I know people who are doing well financially, or so it seems, and I know people who are struggling financially. For people on both ends of the spectrum… LISTEN UP!

No one would’ve guessed how poor my financial situation was 21 months ago, not even my best friends or family. I had over $200,000 in student loan and credit card debt. I was living less than paycheck to paycheck because by the time I paid my student loan payments I was having to put necessities like food and gas on credit cards, which soon led to hitting the maximum balance on each of them. So I was on the struggling side of the financial spectrum.

There are many people that are in similar situations and then there are those that are nowhere close to it; however, the ones that are nowhere close to it and can be there in a flash. I’ll give you a few real life examples in a moment. You never know what the future holds for you and your family. So the best time to prepare for it was yesterday. The next best time is now. There’s a phrase that I heard my friend Jon Butler say that made a lot of sense to me. He said, “the best time to fix a leaky roof is before it starts raining. If you try to fix it while it’s raining, it’s nearly impossible.”

“The best time to fix a leaky roof is before it starts raining. If you try to fix it while it’s raining, it’s nearly impossible.”

Here are some real life examples of fixing the leaks of the metaphorical roof before it rains:

1. I have a friend that was doing well for himself. He didn’t have much debt, had a nice job, had a good bit of savings, and  decided he just wanted to earn a little extra income on the side as a “Plan B.” So he began to build an AdvoCare business in January as an extra source of income. He very quickly began to earn about $2,000 a month. In mid April, the company that he worked for eliminated numerous positions and his was one of them. Being out of a job, he would’ve burned through his savings quickly, but because he decided to fix the leaks before it rained, he didn’t stress the elimination of his position.

That reminds me of the unforeseeable 18,000+ layoff that Microsoft announced in July. I bet that wasn’t in those employees future plans. I hope they didn’t sign a contract for a house or big purchase based on their salaries.

“As long as you are an employee, you are at the mercy of your employer to provide for your family.”

There’s a phrase I heard a friend say that gave me a sick feeling of disgust in my stomach because of how true it is. He  told me, “As long as you are an employee, you are at the mercy of your employer to provide for your family.” That’s not something I want to live with… EVER! Your employer can pull the plug and flip the switch on your income stream in a matter of seconds. How comfortable does that make you feel? For me, not comfortable at all. It actually makes me sick to think about being at the mercy of someone else.

2. I have two other friends that are very dear to me that were in a similar situation financially except they altered their situation right before I spoke with them about earning extra income. My friends Jason and Rachel Robinson had no clue what was about to happen to them a year down the road. Rachel had just left her job and was looking for something to do to earn extra income while she looked for a new job. She quickly stopped looking for that new job after they began building their AdvoCare business. It only took a couple months to replace what Rachel was making at her old job, which allowed her to be a full-time mom to their three children. They didn’t realize how big of a blessing that was until several months down the road when they found out that their youngest son was diagnosed with autism, which required their constant attention. They are also incurring a lot of extra costs to provide for the extra training and schooling he requires. They fixed the leaks before it rained/poured.

10150605_620255951270_1462494585258416865_n3. Many of you now know my situation; however, no one foresaw, not even I, what my future held. I have said this before in a blog post and I said it again in front of over 300 people: “What woman would want to marry the man I was that couldn’t even take care of himself, much less someone else?” That gave me a level of disgust and drove me to fix my situation. A year after turning things around, God surprised me. He introduced me to Mariah. If anyone would’ve told me a year ago that I’d be married in May, I would’ve thought they were crazy. I didn’t foresee being married in May 2014. I would’ve thought they were even crazier if they told me I’d be having my first child in March 2015, but I guess being married and completely open to the blessing of a child that could’ve been expected. Weddings and children are accompanied with huge blessings. Unfortunately, they are also accompanied with huge costs.

The good news for us is, we didn’t have to hold off on getting married to save up for our wedding and we also are not stressing the extra costs that a child is going to bring because of a decision I made 21 months ago. That decision allowed for us to pay for our wedding in cash. That’s right… CASH. We didn’t go into further debt to get married like many couples do. We are also not stressing the financial changes a child is going to bring. We cannot wait for our little blessing to get here! We cannot thank our friends enough for introducing AdvoCare into our lives. Thanks to AdvoCare, Mariah doesn’t have to get a job and both of us have the opportunity to be full time parents when our child is born.

“AdvoCare shows up well before the need.”

I’ve heard my friend Danielle Butler say this before and it reigns true, “AdvoCare shows up well before the need.” In our case and in the ones I mentioned above, that couldn’t be more true.

9 Things Rich People Do Differently Every Day

There are more than just a few things that I’ve done to build a successful part-time business that has allowed me to eliminate over $95,000 of debt in the last 19 months and that is paying me more than twice as much as practicing law is paying me. Here is a list of at least 9 of them:

– Originally posted on Business Insider: http://www.businessinsider.com/rich-people-daily-habits-2014-6

Paul Morigi / Stringer / Getty Images

Paul Morigi / Stringer / Getty Images

“What you do today matters.”

In fact, your daily habits may be a major determinant of your wealth.

“The metaphor I like is the avalanche,” says Thomas Corley, the author of “Rich Habits: The Daily Success Habits Of Wealthy Individuals.” “These habits are like snowflakes — they build up, and then you have an avalanche of success.”

Corley spent five years studying the lives of both rich people (defined as having an annual income of $160,000 or more and a liquid net worth of $3.2 million or more) and poor people (defined as having an annual income of $35,000 or less and a liquid net worth of $5,000 or less).

He managed to segment out what he calls “rich habits” and “poverty habits,” meaning the tendencies of those who fit in each group. But, Corley explains, everyone has some rich habits and some poverty habits. “The key is to get more than 50% to be rich habits,” he says.

And what are those rich habits that are so influential? Here are a few:

Rich people always keep their goals in sight.

“I focus on my goals every day.”
Rich people who agree: 62%
Poor people who agree: 6%

Not only do wealthy people set annual and monthly goals, but 67% of them put those goals in writing. “It blew me away,” says Corley. “I thought a goal was a broad objective, but the wealthy said a wish is not a goal.” A goal is only a goal, he says, if it has two things: It’s achievable, and there’s a physical action you can take to pursue it.

And they know what needs to be done today.

“I maintain a daily to-do list.”
Rich people who agree: 81%
Poor people who agree: 19%

Not only do the wealthy keep to-do lists, but 67% of them complete 70% or more of those listed tasks each day.

They don’t watch TV.

“I watch TV one hour or less per day.”
Rich people who agree: 67%
Poor people who agree: 23%

Similarly, only 6% of the wealthy watch reality shows, compared to 78% of the poor. “The common variable among the wealthy is how they make productive use of their time,” explains Corley. “They wealthy are not avoiding watching TV because they have some superior human discipline or willpower. They just don’t think about watching much TV because they are engaged in some other habitual daily behavior — reading.”

They read … but not for fun.

“I love reading.”
Rich people who agree: 86%
Poor people who agree: 26%

Sure, rich people love reading, but they favor nonfiction — in particular, self-improvement books. “The rich are voracious readers on how to improve themselves,” says Corley. In fact, 88% of them read for self-improvement for 30 minutes each day, compared to 2% of poor people.

Plus, they’re big into audio books.

“I listen to audio books during the commute to work.”
Rich people who agree: 63%
Poor people who agree: 5%

Even if you aren’t into audiobooks, you can make the most of your commute with any of these commute-friendly self-improvement activities.

They make a point of going above and beyond at the office.

“I do more than my job requires.”
Rich people who agree: 81%
Poor people who agree: 17%

It’s worth noting that while 86% of rich people (compared to 43% of poor) work an average of 50 or more hours a week, only 6% of the wealthy people surveyed found themselves unhappy because of work.

They aren’t hoping to win the jackpot.

“I play the lottery regularly.”
Rich people who agree: 6%
Poor people who agree: 77%

That’s not to say that the wealthy are always playing it safe with their money. “Most of these people were business owners who put their own money on the table and took financial risks,” explains Corley. “People like this aren’t afraid to take risks.”

They watch their waistline.

“I count calories every day.”
Rich people who agree: 57%
Poor people who agree: 5%

Wealthy people value their health, says Corley. “One of the individuals in my study was about 68 and worth about $78 million. I asked why he didn’t retire, and he looked at me like I was from Mars. He said, ‘I’ve spent the last 45 years exercising every single day and watching what I eat because I knew the end of my career would be my biggest earning years.’ If he can extend his career four to five years beyond everyone else, that’s about $7 million for him.”

And they take care of their smiles.

“I floss every day.”
Rich people who agree: 62%
Poor people who agree: 16%

Enough said.

Read more: http://www.businessinsider.com/rich-people-daily-habits-2014-6#ixzz36k7vfWLI

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