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

Monday Motivational Shorts… “Make Time”

Charles-Buxton-Quote-You-will-never-find-time-for-anything-If-you
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.

 

 

Killing Sacred Cows – Myth #1 (The Finite Pie)

Killing Sacred Cows – Myth #1 (The Finite Pie)

killing sacred cows book overcoming the financial myths that are destroying your prosperity

In Garrett B. Gunderson’s book “Killing Sacred Cows – Overcoming The Financial Myths That Are Destroying Your Prosperity”, he breaks the book down into 9 financial myths that are spread throughout our society and furthered by our schools, financial advisors, and our families and friends that cause us to believe that thinking outside the myths is “too good to be true” or at worse “risky.”

Myth #1 “The Finite Pie” explains the mindset that most people have regarding our resources among many other things. Gunderson explains how the majority of people operate under the idea that we have a finite number of resources as opposed to what we actually have, an infinite amount. The key objective in this chapter, at least as I see it, is to explain the difference between the “scarcity” and “abundance” mindset. I literally felt my paradigm shift while reading it. He lists 9 ways of thinking to help you determine if you possess a scarcity mindset.

Killing Sacred Cows Garrett B. Gunderson

To be honest, after doing some self evaluations when reading through these, I possess too many of them to feel comfortable leaving my mindset where it is. With the scarcity mindset, you believe that with every asset or opportunity that someone acquires, that it’s one lost for you. You can see how this mindset would breed jealousy and hatred for others and their good fortunes instead of being happy for others. Using that same mindset, you would hoard everything because one more asset or opportunity for you is one you haven’t lost to someone else. You begin to see everyone as a competitor and turn everything into a competition.

Galatians 5:19-21: Now the works of the flesh are obvious: immorality, impurity, licentiousness, idolatry, sorcery, hatreds, rivalry, jealousy, outbursts of fury, acts of selfishness, dissensions, factions, occasions of envy, drinking bouts, orgies, and the like. I warn you, as I warned you before, that those who do such things will not inherit the kingdom of God.

The main difference between scarcity and abundance is that scarcity is limited and abundance is limitless, as Gunderson describes. He makes an excellent point when he describes how valuing material things in themselves as opposed to their worth to others leads to the scarcity mindset and when you think like that then the only way to increase your wealth is to hoard things. With that same thought, losing things even in an agreeable trade would lead you to believe that you reduced your wealth. He claims that this type of thinking is illogical. The value is in the people… NOT the things.

More gold has been mined from the thoughts of men than has ever been taken from the earth." - Napolean Hill

“More gold has been mined from the thoughts of men than has ever been taken from the earth.” – Napolean Hill

He poses a great question in this chapter: “If I have a book and you have $20, and we mutually decide to exchange my book for your $20, what was the book worth to you? What was the book worth to me?”

Most people would answer that the book was worth $20 to both. As he explains, that is incorrect. “We only give up something in an exchange when we value what we’re receiving more than we value what we’re giving up.” Therefore, the book was worth less than $20 to me, and more than $20 to you. “The value is not in the things – it is in the minds of people.” Gunderson claims that when people understand this simple fact, then we begin to seek how we can add value to others’ lives.

What you leave behind is not what is engraved in stone monuments, but what is woven into the lives of others pericles

“What you leave behind is not what is engraved in stone monuments, but what is woven into the lives of others.” – Pericles

My favorite point that Gunderson makes in this section is the difference between quality of life and quantity of stuff. He states that “Our quality of life is closely tied to our level of financial freedom.” He defines financial freedom as “the choice that money will no longer be the primary factor in our decision-making process.” He goes on to say that “this doesn’t mean that it’s not a factor – it’s just not the main factor.”

“People who are operating in abundance know that by serving the wants and needs of others, and thus creating happiness in the lives of others, they actually bring more happiness to themselves. The goal is to serve others, not to exploit or dominate them.”

Gunderson then lists several ways to know if you are of the “abundance mindset”:

Killing Sacred Cows - Abundance Mindset

So which mindset do you have? Do you have one of scarcity or abundance? If it’s one of scarcity, are you ready and willing to change?

Disclosure of Material Connection: Some of the links in the post above are “affiliate links.” This means if you click on the link and purchase the item, I will receive an affiliate commission. Regardless, I only recommend products or services I use personally and believe will add value to my readers. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”

Killing Sacred Cows Review (Possibly the best book I’ve ever read!)

killing sacred cows book overcoming the financial myths that are destroying your prosperity

I’m reading a book right now called “Killing Sacred Cows – Overcoming The Financial Myths That Are Destroying Your Prosperity” and immediately upon finishing the Introduction to this book, I could tell that it was worth every cent I paid for it and more. In this book, Garrett B. Gunderson breaks down many financial myths that are spread throughout our society and furthered by our schools, financial advisors, and our families and friends that cause us to believe that thinking outside the myths is “too good to be true” or at worse “risky.” Gunderson lays out 9 common financial myths and destroys all of them. The crazy thing is, these are pretty common sense, but you would likely never think of them yourself. That is why we all need to read this book.

During my reading I thought, “EVERYONE needs to know this stuff!” So I decided to highlight a few notes from the book and portions I highlighted to share with everyone, but these are only SOME highlights I made. Before going any further, place your trust in me and order this book. It is absolutely incredible and game-changing. I have taken the steps to make it easier for you and included a link directly to it right below. I cannot say enough about how amazing it really is.:

Killing Sacred Cows: Overcoming the Financial Myths That Are Destroying Your Prosperity

The Introduction: Gunderson states that the dictionary defines a “sacred cow” as an individual, organization, institution, teaching, or belief often considered exempt from criticism or questioning. He then relates it to the financial world claiming that its sacred cows “are the myths and traditions that distort our thinking about money, wealth, success, and prosperity.”

Throughout the introduction he poses many thought provoking questions including this one, “If only a minority of people are wealthy, why do we follow what the majority of people do financially?” When I read that, all I could think was “WOW! That’s a great question.” You always hear the majority of people putting their money in 401(k)s, putting it in a CD, some high yield savings account, etc. None of the people I know that do that are wealthy or seem to be on the track to becoming so. In fact, the people I know that are wealthy don’t do any of that. This question began to create a mind-shift for me.

This book, and particularly this section of it, is riddled with spectacular quotes. He helps the reader to see what true prosperity is and the cost of following a myth rather than our passion. He quotes John F. Kennedy saying, “There are risks and costs to a program of action. But they are far less than the long-range risks and costs of comfortable inaction.” My favorite quote by far in this section is from Steve Farber, “Do what you love in the service of people who love what you do.”

Do what you love in the service of people who love what you do

Gunderson challenges us to find our Soul Purpose, which is our way of adding value to the world and states that “if our new goal is to create value in the world, not simply build our net worth, then how we go about becoming prosperous changes forever.”

Albert Einstein albert einstein try not to become a man of success, but rather try to become a man of value

“Try not to become a man of success, but rather try to become a man of value.” – Albert Einstein

Near the end of the Introduction to this book, Gunderson lays out some of the things you will learn by reading it including:

  • How the scarcity paradigm, which is at the root of so much common financial advice, limits our financial success
  • How the “accumulation theory” of wealth that most of us subscribe to destroys our potential
  • Why “investing” in the stock market for most people is little better than buying lottery tickets – and how you can create real wealth instead
  • How most people are in a security dilemma caused by avoiding things they fear, which actually decreases their security – and how to find true security yourself
  • Why money doesn’t equal power
  • Why the most lucrative investments are by nature the lowest risk
  • Why the best way to reduce the cost of insurance is to buy the most you possibly can
  • How false beliefs about “getting out of debt” may keep you from financial freedom
  • Why value is infinitely more important than price.

His underlying questions for all of us, as he asks in the beginning of his Introduction, are “What if everything you thought to be true about money and finances was actually completely false? How soon would you want to find out, and what would you do about it?”

My goal is to lay out my notations on each of the 9 myths not only to help educate people that may have the same or a worse mindset than me, but also to journal so that I can learn through repetition. This is truly one of the most incredible and thought provoking books I’ve ever read. Do yourself a great service and purchase it today and read it as soon as possible. It’ll change the way you think of money, your worth, and how you live your life.

Check out my reviews of each Myth:

Disclosure of Material Connection: Some of the links in the post above are “affiliate links.” This means if you click on the link and purchase the item, I will receive an affiliate commission. Regardless, I only recommend products or services I use personally and believe will add value to my readers. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”

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

WallPunch-Drywall

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?