If You're Not in One of These Two Groups....You've Got a Major Problem...

Do you realize that people, just like you, are going from poor to financially free every year?

They’re no smarter than you, or more educated than you, or had any more money to start with than you do. They just KNOW SOMETHING YOU DON’T, AND THEY’RE DOING SOMETHING YOUR AREN’T.

My financial consulting practice draws hundreds of people from every background imaginable. Thanks to the effective radio advertising that I’ve been doing in Phoenix for years, I’ve created a large group of clients. Every single day, from the FRONT LINES, I see exactly how most people play the money game, manage their money, and where they’re headed financially.

Here is what I see……

I see EVERYBODY struggling with money. Most can hardly keep their financial head above water.

I see EVERYBODY mismanage their money. Most haven’t got a clue what proper money management is, and are playing a losers game.

But…almost everybody I meet with wants EXACTLY what I have…..Financial Freedom.

What is Financial Freedom?..........

Imagine having enough money coming in every month to pay your bills without you HAVING to go to work……

Imagine having the FREEDOM to CHOOSE to do EXACTLY whatever you want to do with your time without the worry about having the money to pay the bills……

We’re not talking about making millions and millions of dollars, unless of course that’s what you want to shoot for. We’re not even talking about hundreds of thousands of dollars.

For many people, we’re talking about $3,000 a month, or $5,000 or $7,000 a month.

Do you want to DRAMATICALLY increase your odds of becoming a financially free person?

There are only a two groups who have the odds in their favor when it comes to financial freedom….

Professionals, like doctors, lawyers, dentists, etc…… This group earns enough income to be able to save and grow their wealth.

Entrepreneurs…..There are always a small group of entrepreneurs who beat the odds and create businesses that generate a great income.

Which group do you fall into?

Suppose you fall into the first group…..you’re a professional. You’re earning a great 6 figure income. I have many clients who fall into this category.

Guess what!

Most of these “intelligent” people have never been educated about money management, winning the money game, and becoming financially free.

What do they do with all of their money?

They SPEND it! All of it, AND MORE!

We have A NEGATIVE SAVINGS RATE in our country! Our expenses rise to meet our income…..and then some.

But, at least these folks have a fighting chance to win the game if they just learn the rules and take advantage of their situation.

Suppose you fall into the second group…….you’re a highly successful entrepreneur. You’ve figured out how to build a great business and you’re making a lot of money from it. I also have many clients who fall into this category.

Most of these “successful” people have never been educated about money management, winning the money game, and becoming financially free.

What do they do with all of their money?

They SPEND it! All of it, AND MORE!

But, at least these folks have a fighting chance to win the game if they just learn the rules and take advantage of their situation.

If you DON’T fall into one of these 2 categories, YOU HAVE A MAJOR PROBLEM!!

It’s not that you haven’t any chance to ever become financially free, it’s just that the odds are 1 in a million against you.

To improve your odds, you can join one of these groups!

You could decide to go back to school to become a doctor, lawyer or dentist.

You could.

But it would be expensive, and take many years to accomplish.

Or…..You could choose to LEARN how to become an entrepreneur.

You could LEARN the exact thoughts that successful entrepreneurs think!

You could LEARN the exact principles that successful entrepreneurs use!

You could LEARN the exact skills that successful entrepreneurs master!

And you could LEARN step by step, exactly how to build your own successful entrepreneurial business.

Success as an Entrepreneur is a LEARNABLE skill!

It wouldn’t cost as much as going back to school to become a professional.

It wouldn’t take as much time.

It’s WAY MORE FUN!!

But…….IT’S ONE THING TO EARN IT! IT’S ANOTHER THING TO KEEP IT AND GROW IT!

For you to win the game, you have got to MASTER 3 areas of money. Each one requires different skills.

You have got to MASTER earning money, then keeping the money your earn, and finally growing the money you keep.

I’ve spent almost 40 years learning the money making secrets to success. Using the principles and strategies I teach my clients I became financially free.

Today my systems and strategies help all of my clients reach their full financial potential

Everyone’s financial potential is different. I can help you reach YOUR financial potential, whatever it is.

You just need to have the desire.

Today, with the aid of my Mastermind group, I am creating a state of the art, one of a kind online learning program that will allow anyone who has the desire to become financially free the tools to make it a reality.

If there was ever a course in your life that you’d want to get an “A” in, this’ll be the one. This course will transform your life. I promise that. You can’t possibly be the same person at the end of this program as you were when you started it.

You will have a new excitement about life that you haven’t felt in a long time. You will have more energy, more enthusiasm, more optimism.

If you want more Wealth and Abundance in your life, this course will be the opportunity of your lifetime.

Keep tuned as I get closer to finishing this program.

This blog is dedicated to everyone who has a burning desire to join the elite top 5%. If you’re one of them, this is the place for you.

Namaste.
Jeff

Yes you can.....

The single, primary purpose of this blog is to educate and inspire you to join the elite top 5% in reaching your full financial potential.

The ONLY thing you need to understand, is that financial success is completely LEARNABLE! You can LEARN how to become a master money manager. You can LEARN how to win the money game! You can LEARN how to become financially free! You can LEARN how to create passive income streams! You can LEARN how to become a successful entrepreneur!

The bigger question is…….HOW BADLY DO YOU WANT IT?

How much are you willing to COMMIT to reaching your full financial potential?

What’s amazing is that it doesn’t require any more work to become financially free than it does to struggle with money your whole life. The only real difference is that the people who reach their full financial potential, who become financially free, who win the money game, KNOW SOMETHING YOU DON’T!

And, until you learn what they know, you will continue to get what you’ve already got. That’s all you can get, because that’s all you know HOW to get. Until you LEARN how to get more, you won’t.

Your life changing breakthrough happens the MOMENT YOU REALIZE AT THE CELLULAR, SPIRITUAL, MENTAL AND EMOTIONAL LEVELS THAT YOUR GREATEST CHALLENGE IS TO GROW INTO THE PERSON WHO IS CAPABLE OF PERMANENT AND LASTING SUCCESS,

Of course, as you’ve read repeatedly here on my blog, the single most important thing you MUST be 100% clear about is…….WHAT DO YOU WANT IN LIFE WHEN IT COMES TO MONEY?

Do you want to struggle with money your whole life?

Do you want to be financially free one day?

When do you want to be financially free? When you’re 40? 50? 60? 70? Ever?

How much monthly income will you need to be free? $2,000 a month? $3,000? $5,000? $10,000? $25,000? More?

How can you begin to create passive income streams to create those cash flows?

How can you increase your current income?

How can you manage your income better?

How can you reduce your taxes now and in the future?

One thing I can tell you for sure, is that conventional wisdom is not the answer. If you do what everyone else does, you’ll get the same results as everybody else. As a financial consultant, I can verify from my own practice that we are facing a massive problem. The vast majority of baby boomers are ill equipped for retirement, and the generation after them are even worse prepared! Plus, some generation around the corner is eventually going to have to deal with the out of control problems of Social Security, Medicare, the national debt, etc.

It is entirely up to you to determine your financial fate! You and no one else but you. If you struggle, you are responsible for your struggle. You have no one else to blame for your struggles but yourself. Conversely, if you succeed, you will have caused your success. Regardless whatever else is going on in the world, it is still up to you to succeed!

Declare out loud that you are committed to your financial success. Declare out loud that you are prepared to LEARN. Declare out loud that you will take action every day to begin to move you towards your financial goals and dreams.

And please keep coming back to my blog for the ideas, philosophies, tactics, strategies and inspiration to keep you moving towards reaching your full financial potential.

Namaste.

Jeff

Is It the Quickest Way?

Almost 3 years ago I wrote in this blog about a system taught by my friend and mentor Harv Eker called SPEEDWEALTH. It’s a system designed to show ANYONE who has the true desire, EXACTLY how to create a MILLION DOLLAR BUSINESS in 3 years or less.

In a nutshell, the system is a checklist for the entrepreneur to follow.

After learning this system, I designed my business to follow the checklist that the system called for.

The results speak for themselves. The financial advisory practice I created has grown from the day I opened my business, to the point where I am among the top advisors in the nation in my area of expertise.

While I wanted to prove that the SPEEDWEALTH system worked, I also wanted to improve my entrepreneurial skills.

Why have I focused so much of my recent life to ENTREPRENEURSHIP?

First of all, it’s a passion of mine. I went to undergraduate school to get a degree in BUSINESS. I went to graduate school to get a MASTERS degree in BUSINESS. I got my CPA to understand the numbers and the taxes of business. I grew up in my family business. All of my other family members were in businesses.

Second, it is beyond a shadow of a doubt, the BEST AND FASTEST WAY to reach FINANCIAL FREEDOM.

Think about this for a second……

For every 100 new businesses that open their doors today, approximately 80 percent will fail in the first 3 years. Of the remaining 20 percent, 16 percent will have bought themselves a job, and ONLY 4 PERCENT will be creating wealth!

If you think those odds sound lousy, it’s A THOUSAND TIMES WORSE for the EMPLOYEE who gets paid a salary or by the hour or job.

Unless you are paid on performance or by results, you will struggle with money your entire life.

The problem is, virtually no one is creating FINANCIAL FREEDOM. The overwhelming majority of the public goes to work, gets a paycheck, and stays on the proverbial treadmill their whole lives.

BUT THAT DOESN’T HAVE TO BE YOU!!

I KNOW THIS TO BE A FACT!

HOW DO I KNOW THIS FACT?

BECAUSE SUCCESS IS A LEARNABLE SKILL!

ENTREPRENEURSHIP IS A LEARNABLE SKILL!

YOU CAN LEARN YOUR WAY TO FINANCIAL FREEDOM AS LONG AS YOU ARE READY TO BACK UP YOUR LEARNING WITH ACTION!

Here’s one thing I can promise you for sure…..

If you study and learn the mindset for success I’ve written about for the past 3 years here at this blog….

If you study and learn the money management skills and strategies I’ve written about for the past 3 years here at this blog….

If you study and learn the entrepreneurial skills and strategies that I WILL BE DEDICATED TO TEACHING YOU right here at this blog and on my web site (soon to come)….

You will be ready to take on the world, and WIN!

Financial Freedom is a worthy goal. You will have to GROW yourself into a person CAPABLE of creating financial freedom, and even more in order to keep it and grow it. Your BURNING DESIRE to become such a person is the starting point for your success.

When you choose to become PASSIONATE about being your best, living life to the max, sharing your gifts with others, and understanding that every setback brings you closer to your dreams, you will finally begin to see the secret to really special success.

My entrepreneurial philosophies are based on 2 of the greatest entrepreneurial minds I have ever known, Michael Gerber and Harv Eker. Their successes are legendary. Their knowledge is unquestioned. I see the big picture both of them paint, and understand their mindset when it comes to success as an entrepreneur.

Remember, Financial Freedom happens when you have enough PASSIVE income to pay for your desired lifestyle. If you create a business the way I’ll be teaching you how to create it, you will have all the choices on what to do with it. That means, if you want to sell it and take the cash you can. If you want to run it yourself and take the profits, you can. If you want to hire outside managers and have them run it, you can. If you want to take it public and get a bunch of shares, you can. You will be in control.

As we begin the month of May, I hope you’ll make a declaration to yourself that you are going to make the balance of this year the starting point to your blast off to financial freedom. That means the desire to learn, to grow, to try, and try, and try and try……

Thank you for your precious time.

Namaste.

Jeff

The Incredible Power of Intention.....

If I could tell you just one thing that would make the biggest difference in your life, it would be to find someone extremely successful that you know and admire, and MODEL them. Figure out what it is that makes them so successful and follow their lead. Throughout my life, I have modeled the characteristics, habits, traits, tactics, systems, philosophies of those who have achieved uncommon success in areas of life that are important to me. It’s the sum total of all of these people and their characteristics that have molded me into who I am today.

This past weekend I went to San Diego to spend 2 ½ days with the brilliant Michael Gerber of E-Myth fame. I went for a number of reasons. First, simply to get to meet and learn with this giant in the area of entrepreneurship, my greatest passion. Second, to get very clear about how I wanted to take my business to another level. Third, to meet as many of the other participants and network with these like minded souls. Fourth, figure out if there was ANY way I could create a JV arrangement or alliance with Michael Gerber.

The event started on Friday, and just prior to the start I got an email from my good friend Harv Eker of Peak Potentials Training who is also a friend of Michael’s asking me to send his regards. Michael certainly knew Harv. Me, I was just another face in the crowd.

The event was exactly as advertised. Dream. What’s your Dream? What’s your vision? Your purpose? Your mission?

When you hear the words come out of Michael Gerber’s mouth, it just seems to mean more. When he emphasizes key concepts again, and again, and again, and again, it’s time to highlight them and circle them too!

I chose to pay the premium and get to be on Michael’s ‘HOT SEAT”. There were probably about a dozen of us out of the room of 45 who would get the experience of being on Michael Gerber’s HOT SEAT.

On Sunday morning, I still hadn’t had my turn on the HOT SEAT yet, and I was beginning to wonder what I had gotten myself into. Michael wasn’t pulling any punches and he was getting his points across to each of those who were brave enough to go through the process. I’ll bet those who were willing to step up and sit on the HOT SEAT got the most out of the weekend. But I knew I’d be called up at some point on Sunday, and I was just prepared to take it like a man.

Most disappointing was that I didn’t see any way to create an alliance or JV arrangement with Michael Gerber, and that was the highest aspiration I had going into the weekend. THAT WAS MY INTENTION.

All of a sudden, on Sunday morning, Michael introduces his ‘Chief Negotiator” Mark, who then makes a fantastic presentation and discusses the opportunity to become a ‘STRATEGIC PARTNER’ with Michael and his team. I’ve seen Mark throughout the event but never had a chance to talk with him at breaks or at meals.

Could this be the opportunity I was looking for? Could this be my lucky break? Could I actually become a “STRATEGIC PARTNER” with Michael Gerber? I was sure going to find Mark at the break and talk to him about it.

At the next break I immediately introduced myself to Mark and began to talk with him, but there were several others who also wanted to speak with him, and I wasn’t able to accomplish much.

After lunch, it was my turn to be on the stage with Michael. We began to discuss my dream, vision, purpose and mission. It was much more like a pleasant conversation than having Michael ripping me apart! Then Michael asked me to fill in the blanks, my background, education, prior work experience, what I was currently doing. I spoke about my passion for financial freedom and personal growth. I spoke about my belief in entrepreneurship as the greatest vehicle to financial freedom. I spoke about the incredible need for education in the areas of money and success. I spoke about the sleeping passions inside of all of us that just need to be woken up.

Afterwards, Mark came over to me and said that they’d like to explore a strategic partnership with me! Unfortunately, we didn’t have enough time to go into further details other than….”I’ll be in touch with you Jeff”, so until the details have been confirmed, it’s something brewing.

Regardless, my intention was to make something happen while I was at this seminar with Michael Gerber. He had never met me before. He knew absolutely nothing about me. There was no reason to believe that of all the people he has to choose from he would even consider me. But I was determined to see if it could happen, and believed that if it could happen it would happen. And IT DID!

Being a STRATEGIC PARTNER with Michael Gerber, would be a life transforming experience. My ideas and philosophies are in complete alignment with Michael’s. My desire to have a major impact on the financial lives of millions of people can be fulfilled with Michael Gerber as my STRATEGIC PARTNER. I believe in my heart and soul that there would be no stopping us (Not that Michael Gerber needs anything at all from me)

Until I have the chance to spend time in conversation with Mark, I’ll keep moving forward with my work, and when the time comes where there is more confirmation one way or the other, I’ll post it here first.

No matter what, the future is bright.

I hope your future is bright. I hope you’re waking up to your dreams every morning. I hope you have a plan to make your dreams come true. I hope you never quit!

Namaste.

Jeff

Do you see opportunities or obstacles?

After having seen hundreds of clients and prospects and comparing notes with my partner Scott who has seen many hundred more than I have, I have come to the following conclusions.

First, what I've been referring to as the 5%ers club is more like the 1%ers club! So few people are winning the money game that it's scary!

Second, most people are horrendous money managers. Since this is the single most important skill all wealthy people have, you'd hope that people would have a winning system for managing their money. Unfortunately, most don't.

Third, while everyone says they'd like to become financially free, NO ONE is actually doing anything to make it happen. And the few that are doing something are doing it all wrong, or half hearted, or going down a path that can never lead them to financial freedom.

Fourth, virtually no one understands that until they create enough PASSIVE INCOME to pay for their expenses that they will ALWAYS BE A SLAVE TO THEIR JOBS. Yet, most people have NO current passive income, nor are they creating streams of passive income. They are on the road that leads to nowhere.

I could go on and on.

If you are reading these words, take a moment and understand that there are winning ways of thinking and then there are all the rest. If you have made up your mind that you want to take your life, and especially your financial life to a whole new level, TRUST me when I tell you that everything you read here has worked in my life and can for you too. Nothing is difficult to do, it simply means you will need to change a few things. And we all know how difficult change can be!

One of your biggest challenges is to get into your WEALTH FILES and discover what your true beliefs are in these critical areas. It might be time for you to revise or update these files.

Harv Eker’s Wealth File Number 5

WEALTH FILE #5

Rich People focus on opportunities.
Poor people focus on obstacles.

FEAR! It’s amazing how POWERFUL fear plays into our lives. To some extent, all of us are affected by fear, some more than others.

The important question as far as you’re concerned is “how much is fear affecting my life, my wealth, my success?”

If your basic nature is fear based, and you are someone who constantly worries, now is the perfect opportunity to get it out on the table for you to evaluate and perhaps change.

When it comes to the mind, we all have our own “conditioned” mind. Our “conditioned” mind has one primary job, and that’s SURVIVAL. It DOESN’T care at all about your success, only your survival. Throughout your entire lifetime, it just wants you to survive. It would rather you not even try to change because change is the unknown, and there lurks DANGER in the unknown.

If you’re not sure what I’m referring to here, I’m talking about that little voice that’s having a conversation with you all day long. It’s the little voice that says “You can’t do that”, or “you better not try that”, or “what if”, or “why bother”, or practically anything that will dissuade you from doing something you normally don’t do.

It wants to keep you in “your comfort zone”. As long as you stay in “your comfort zone”, your conditioned mind is content, because it knows you are already surviving in “your comfort zone.”

Change, however, requires moving out of your comfort zone and trying something different. It means moving into your “uncomfort zone.” And for you to grow, you have to move outside of your “comfort zone”, which doesn’t make your conditioned mind happy at all.

Ask most people the definition of FEAR and they’ll say false evidence appearing real. But that’s just an acronym. FEAR is THE ANTICIPATION OF PAIN. Is fear based in the past, or in the future? The future. And your conditioned mind will anticipate future imagined pain, and then do everything in its power to move you in another direction. IT WILL STOP YOU IN YOUR TRACKS IF YOU LET IT!

Most people live in fear. They expect the worst and plan for it. They look to the obstacles in every new opportunity so that they won’t have to get out of their comfort zone. As a result, most people ARE POOR!!

Wealthy people have overcome their fears. They might still have fears, but they’ve learned how to deal with their fears and TAKE ACTION REGARDLESS what that “little voice” in their head is saying to them.

As a result, wealthy people look for the opportunities surrounding them every day. They focus on the potential profits. The poor? They focus on the potential losses.

The middle class have a little more optimistic point of view. They are more inclined to think….”I’ll give it a try and hope it works.”

Rich people take full responsibility for their lives. Their attitude is “It’ll work because I’LL make it work!” Their WEALTH FILE is filled with CONFIDENCE, that they WILL succeed, and if things don’t work out, they’ll be able to RECOVER.

There is always a risk to get the reward. Rich people are willing to take risk. But they do their homework in advance, and once they have all the facts, they choose to take action or not.

On the other hand, poor people expect to fail, and have little confidence in themselves or their abilities. As a result, all they see are the obstacles they don’t believe they can overcome, and they won’t take the risk. No risk, no reward.

The Law of Attraction includes focusing on what you want in your life. Rich people focus on opportunities, and as a result, opportunities abound. Poor people focus on the obstacles in their life, and as a result, obstacles abound.

Your view of life will determine what you find. Look for opportunities and that’s what you’ll find. Look for obstacles, and that’s what you’ll find. As far as rich people are concerned, when they run into obstacles they deal with them and then keep moving forward, always focused on their goal, and putting their energies into achieving their results.

I tell my clients this all the time. Rich and successful people focus on 3 things when it comes to money. They focus on earning it, keeping it and growing it. Poor people focus on just one thing, spending it! What we focus on expands!

Rich and successful people also understand that they can’t wait until they are experts to make decisions and move forward. They gather the best information they can as quickly as they can, they make a decision and go. Their WEALTH FILE is set for READY, FIRE, AIM. In other words, take ACTION and make corrections along the way.

There is no way for anyone to know everything that can happen in the future. It’s unrealistic to think you can anticipate and solve every single potential problem in advance. In life, we can only see so far into the future.

Jack Canfield (from Chicken Soup for the Soul fame) uses the example of driving a car at night from Los Angeles to New York. With your lights on you can only see a few hundred feet ahead of you. Once you get there, you can see the next few hundred feet. As long as you’re on the right highway, you can drive all the way from Los Angeles to New York in the dark, seeing just a few hundred feet ahead of you at any one time.

Life is a lot like that. Rich and successful people know that when they get to the next turn in the road, they’ll deal with whatever comes up. More importantly, they’re on the road and they’re moving forward. Getting on the road is critical. Poor people stay home so they can avoid any accidents.

Harv Eker calls it “getting in the corridor. The idea is to get in the game with whatever you’ve got from wherever you are.”

For example, when I chose to become a full time entrepreneur and leave Corporate America, I realized that I didn’t have the necessary skills to be successful. In fact, every business I’d ever tried crashed and burned, and so did all my money with it each time. I knew that I needed specific skills before I’d succeed. In my search I accidentally bumped into my old friend Harv Eker, and then spent the next year as Harv’s Chief Operating Officer helping build Peak Potentials Training into one of the fastest growing business and personal success training companies in the world.

More importantly, I got to work with one of the world’s MOST BRILLIANT marketers and entrepreneurs, and see first hand exactly what it takes to build a MEGAMILLION dollar business from scratch in a short period of time.

When my project was up and it was time to move back home to Phoenix, I was completely prepared to start my own business. I’d seen what I needed to see, and learned what I needed to learn.

By the way, when I accidentally bumped into my old friend Harv it had been almost 25 years since our last connection. Yet, just 5 minutes after I began searching the internet for ideas, I found Harv and the Peak Potentials web site. Coincidence?

My attitude is that TALK IS CHEAP. ACTIONS speak much louder than words. Rich people are action oriented. They get started and THEY DON’T STOP. They move confidently towards their dreams and goals. Poor people will talk and plan and strategize and meet, but they won’t DO anything, because they simply don’t have the belief in themselves that they can succeed. They are locked onto the obstacles.

What’s your WEALTH FILE filled with, opportunities or obstacles?

Now, Place you hand on your chest and say…

I FOCUS ON OPPORTUNITIES OVER OBSTACLES.
I GET READY, I FIRE, I AIM.

Namaste,

Jeff

Your Financial Foundation.....

Because of the work I do, I see the financial lives of hundreds of people every year.

I see the challenges and obstacles most people face, and I see the struggle to try and keep up with rising costs. It’s a losing battle for many, and for those who aren’t losing, they’re doing all they can just to keep their head above water.

The tipping point for most people is just one missed paycheck away. So many people live pay to pay that one unexpected major expense can cause a big problem financially. I see it with my clients, and I see it with my tenants. My experience is real, and it’s daily.

If you learn nothing else today, I hope you will learn this critical lesson. IT IS UP TO YOU, AND YOU ALONE, TO CREATE A SOUND FINANCIAL FOUNDATION.

If YOU don’t do it for yourself, who’s going to do it for you? Your friends? Your boss? Your government?

What exactly is a sound financial foundation anyway? Why do you need it?

During my meetings with my clients, I’ll often ask them if they can explain the difference between savings and investments. Some can, some can’t.

So I ask them, when they have money in a savings account or money market, what direction can their account balance go? Up, and only up.

When they have their money in investments, what direction can their account balance go? Up OR down.

So if you have ALL of your money in investments and those investments tank (not that that’s ever happened!) what have you got left? Nada! Part of the challenge is that most people never consider that they might lose money on their investments. They just assume that they'll make a profit and the only question is.....how much! It's just too bad that more people lose than win.

Your financial foundation is WHAT YOU CAN ABSOLUTELY, POSITIVELY, GUARANTEED, count on to be there for you NO MATTER WHAT HAPPENS TO YOUR INVESTMENTS.

Different financial advisors have different amounts they suggest you keep in your foundation. Some say 3 months worth of expenses. Others say 6 months. I’ve seen those that suggest at least 1 years worth of expenses or more!

No matter what you decide is best for you, it’d better be at least 3 months worth of expenses. So if you’re monthly nut is $5,000, you NEED to have at least $15,000 socked away somewhere safe where you can count on it to be there JUST IN CASE.

Because you know what? JUST IN CASE happens to people ALL THE TIME. And the ones who have a sound foundation manage through their crisis without any problems, while the majority fall further behind in the game, ruin their credit, and eventually lose everything and file bankruptcy.

The key to your financial success in life is in the creation of sound money management skills. Unfortunately, most of us have never been taught good money management skills. As a result, most people are COMPLETE AND UTTER FAILURES at managing their money. I see a few who are winning the money game, but by far the vast majority are losing the war.

Make it a top priority for you to dedicate the time to learn to become a money management expert! You’re going to have to deal with money for the rest of your life. You might as well learn how to play the money game to win.

If that sounds good to you, you are at the right place right here with my blog. The principles and ideas you’ll find here have stood the test of time, and will take you from a life of struggle to a life of abundance. I practice all of these techniques, and have for decades. They have brought me success on a scale I never thought possible. I hope they can do the same for you. It’s entirely up to you.

Namaste.

Jeff

A Test.....

Are you willing to participate 100%?

Here’s your test…..

I want you to take 5 minutes RIGHT NOW, and list your 5 BIGGEST GOALS for 2008. These are the goals that IF YOU ACHIEVE THEM you will KNOW that 2008 was a successful year. DO IT NOW.

DO NOT READ FURTHER UNTIL YOU HAVE ACTUALLY DONE IT.

TAKE 5 MINUTES RIGHT NOW AND DO THE TEST.








If you’ve actually done what I asked you to do, then I congratulate you. If you’re still reading, and didn’t do the test, let’s examine why this happened, and what it means for you and your chances of success.

The BIG lesson here, is that the truly successful people in life aren’t content to just read and think about successful ideas. They are focused on action. They are focused on DOING.

You read the test. And if you didn’t do the test, why didn’t you do it? Did that little voice inside your head say…..”I don’t actually have to do it, let’s just see what Jeff writes next”, or maybe……..”that’s too much thinking, I kinda know what I want, that’s good enough”, or maybe…..”I never accomplish any of my goals anyways, why would I even want to bother anymore”. Whatever that little voice inside your head did to stop you this time, is THE SAME STORY IT TELLS YOU TO STOP YOU ALL THE TIME.

Virtually all of my clients say they want to be financially free. Yet none of them are doing the steps and taking the proper actions that will give them a chance to win that game.

If you really want to be successful, really, really, really, really successful, learn this lesson well.

Successful people are DOERS. They’ll spend 90 minutes a day planning and thinking and working ON their business, and then they spend the next 14 hours working IN their business. Unsuccessful people will plan and study for 6 months, prepare for every contingency, anticipate every possible situation, and never actually DO anything.

My friend and mentor Harv Eker said it best a long time ago. He said that when it came to successful people, their mindset is Ready, FIRE, Aim. Fire immediately and fire often. Once you fire, you can see if you’re close to your target, or if you need to aim better for your next shot. Plan on firing over and over and over and over and over again. Plan to never stop firing until you are right on your target and hitting it every time.

Now, let’s talk about YOU.

If you’ve been reading my blog for any length of time, I ask you to do certain exercises from time to time. You’ve learned a money management system that is easy to implement. You’ve learned the attitudes of an Enlightened Warrior and the daily declarations you want to repeat to cement these attitudes within you. You’ve learned the principles taught by Napoleon Hill for “Thinking and Growing Rich”.

Let me ask you something. Are you DOING the money management system, or was it too hard…too much work…..never got around to it….or fill in YOUR excuse here.

Are you doing the Daily Declarations of an Enlightened Warrior and laying a new foundation for your ways of thinking, or was it too hard….too much work….never got around to it….or fill in YOUR excuse here.

If you’re reading my blog for entertainment value, then you’ve completely missed the boat. If you’re reading my blog for information, then you’ve only gotten 10% of what we’re trying to accomplish here. BUT, IF YOUR READING MY BLOG FOR INFORMATION THAT YOU WILL IMMEDIATELY IMPLEMENT IN YOUR LIFE, then you have figured it out.

If you haven’t done the exercise I asked you to do at the beginning of this post, do it now. More important, reflect on the fact that until you change your habit from being a passive learner to an ACTIVE DOER, you will NEVER see success at the levels we’re talking about here.

Namaste.

Jeff

Happy New Year!

The brand new start to a brand new year!

A fresh beginning!

Is 2008 going to be the year you take complete control of your life, and make it a year you’ll never forget?

Or…..

Is 2008 going to be pretty much like 2007 and 2006 and 2005….?

The definition of INSANITY is to do the SAME thing over and over again and EXPECT a different result.

This is the perfect time to turn a new page in your life. It’s the perfect time to stop living in mediocrity and take your life to a whole new level. It’s the perfect time to COMMIT to doing WHATEVER IT TAKES to make this a sensational year.

One of my all time favorite sayings is something I first heard from my good friend and mentor Harv Eker, President and CEO of Peak Potentials Training. He said “If you’re not seeing all the success you want, all that means is that there’s something YOU STILL DON’T KNOW”.

Make this the year you begin to search out the "THINGS YOU STILL DON’T KNOW”.

In other words, look for every opportunity to EDUCATE yourself in every area of your life.

As far as your financial life is concerned, if you want to reach your full financial potential, and that’s a goal you’re passionate about, then this is the place for you.

If you aren’t reaching your full financial potential, then all that means is that there’s SOMETHING YOU STILL DON’T KNOW!

Financial success is a science. You can learn how to reach your full financial potential. The problem is, nobody can actually do it for you. You will have to PUT IN YOUR effort, YOUR money, YOUR time, before you see YOUR results. If that doesn’t work for you, then this isn’t the place for you.

This blog is committed to educating and inspiring you to reach YOUR FULL FINANCIAL POTENTIAL. It’s based upon studying the greatest minds in the fields of money and success over my past 38 years, and my life experiences in the corporate and entrepreneurial worlds for the past 27 years.

Day after day, week after week, I meet clients and prospects in my office to review, examine and improve their financial lives. I see the same problems over and over again. Most people have absolutely terrible money management skills. Even worse, guess what they teach their kids?! I HONESTLY FEAR FOR THE FUTURE OF MOST RETIREES!

You’d think that for something as critical as personal financial success IT WOULD BE MANDATORY TRAINING IN GRADE SCHOOL! Who isn’t going to have to deal with money and finances their whole lives? Yet, how do most of us learn about money, money management, saving, investing? From who? Our parents? Our friends? The media? We weren’t born with these skills? No! We were taught these skills, starting from a very early age, and usually by people who hadn’t a clue how to deal with money properly themselves!

Most people have ABSOLUTELY NO IDEA HOW TO WIN THE MONEY GAME. They have NO clue what they are STRIVING for financially. They have NO clue how they could CREATE wealth for themselves other than winning the lottery or receiving a large inheritance. In fact, for most people, the dreams of becoming wealthy and enjoying a prosperous lifestyle have long faded into memory, and the realities of just paying the bills have set in.

The odds are about 1 in 20 that you’ll live the lifestyle you want to live, now and into your retirement years. Only 5% will live the kind of lifestyle we’re describing here.

Understanding that the odds are stacked against you, what can you do to IMPROVE YOUR CHANCES DRAMATICALLY? How can you avoid being one of the 95% who struggle financially? How can you GUARANTEE yourself that you’ll join the top 5%?

Read the following very closely, because it all boils down to this……

YOU WILL BECOME FINANCIALLY FREE WHEN YOU GROW INTO THE PERSON CAPABLE OF BEING FINANCIALLY FREE.

Your success is all about you. It’s all about you taking full responsibility for everything in your life. Whether or not you become financially free is entirely within your control. Others, who have no more skills, talents, money or education than you do are creating massive success for themselves. It’s happening every single day, and I would suggest, that there has never been a better time in the history of the world for an ambitious entrepreneur to create financial freedom in just a few short years. IF YOU WANT TO BE FINANCIALLY FREE, LEARN WHAT FINANCIALLY FREE PEOPLE DO, AND MODEL THEM!

One of my biggest goals for 2008 is to help educate as many people as possible on how to reach their full financial potential. This blog is one way I hope to accomplish that. If you see the value of this information for yourself, please consider telling others you care about this site and the ideas and philosophies I share. You'll be helping your friends and family in one of the most critical areas of their life, their financial life.

Here’s to your awesome 2008! I hope you make it a year you’ll never forget!

Namaste.

Jeff

Earn it, Keep it, Grow it...........

Are you reaching your full financial potential?

Imagine if you were…….

Imagine what your life would be like if you could just figure out how to reach your full financial potential….

Most people have given up. They’ve completely resigned themselves to the financial life they live today, and accept this as a permanent fact.

THIS IS A WAKEUP CALL!!

No matter how most are doing financially, it’s rare that someone is coming even remotely close to reaching their full financial potential.

In fact, less than 5% of Americans today are financially free. Less than 5% of all Americans have enough passive income coming in every month to pay for their expenses.

There are proven principles and strategies that once learned, will automatically take you on a journey that leads to your full financial potential.

Just because you don’t know these strategies (that can take you to all of your financial dreams) doesn’t mean that they don’t exist. All that means is that you have never been exposed to them.

EARN IT…..KEEP IT…..AND GROW IT….

Let’s begin with the income that you currently earn.

If you have a job, you have a fixed salary, you have a ceiling on your income.

The biggest advantage of having a job doesn’t even exist anymore. Job security is a thing of the past.

Unless you reach the highest levels in a major corporation, the odds of you creating wealth are slim and none. You have virtually no chance to reach financial freedom going this route.

Maybe you’re in business?

Statistically, the odds aren’t pretty. 80% are going to go broke or lose money. For the remaining 20%, 15% have bought themselves a job, and only 5% are creating wealth.

But there has never been a time like today where entrepreneurs can succeed on a huge scale, and sometimes very quickly.

Would you like to join that elite 5%?

Learn from the world’s best entrepreneurs, and you can make your fortune too. It’s as simple as finding someone who is achieving the results you want, and then simply learning and using their proven system.

The advantage you have as an entrepreneur is that there is no ceiling on your income. You can dramatically grow your income just by learning to be a better entrepreneur. And becoming successful is a learnable skill.

If your goal is to become financially free, you increase your chances infinitely simply by starting and growing a business. But it has to be the right business with the right business strategies. You want to focus on earning money, and earning more each month, each year.

Then comes the KEEPING IT part…..

The single most important factor that separates the financially successful and financially unsuccessful is MONEY MANAGEMENT. It doesn’t matter how good you are at making money if you don’t manage it properly.

On top of that, if you don’t learn a system for managing the money you currently have, you will have a difficult time getting more, and more than likely, you’d lose it anyway.

Unfortunately, most are terrible money managers. How do you rate as a money manager? Do you have a system for managing your money now? Do you use it regularly?

Learning to become an excellent money manager is a decision you need to make before you will ever reach your full financial potential. Committing to learning a money management system and then keeping with it will have a huge impact on your life.

A big component to winning the money game is to understand the rules. Becoming an excellent money manager is critical to winning the game. And whether you realize it or not, you are now playing this game, and over your lifetime, you are either going to win it, or you are going to lose it. Which do you choose? If you choose to win the game, you will need to excel as a money manager.

Not only that, there are strategies that allow you to begin to recapture much of the money your spending. By creating the right system, you can change the financial flow of energy in your life from "cash out" to "cash in" and recapture dollars that would otherwise be lost forever. Now that’s a way to KEEP more of your own money.

GROWING IT is the final piece to the puzzle. You have to become an expert in investing your money. And the place to begin is in the best investment you can ever make. INVEST IN YOURSELF. No matter what happens, once you have learned success skills, no one can ever take them away from you, you can never lose them. The truly successful people never stop educating themselves and never stop learning. That means investing money and time and effort. Understand this and accept it, or else accept the fact they you are doomed to you current situation. YOU will need to become the person capable of growing your money.

You’d be surprised how far a little investment in yourself can take you. But it has to be the right information from the right teacher for the right reason.

Investments will come in 2 forms. Some investments will involve placing your money in different instruments to either earn you interest, or dividend income, or profits from the sales. This is called money earning you money.

Some investments will involve putting your money in a business where you don’t have to physically be there, and living off the profits of the business. This is called business earning you money.

When you maximize all 3 areas, EARN IT, KEEP IT AND GROW IT…..

you have positioned yourself to change your financial life, and begin to reach your full financial potential.

Keep following along with this blog to learn more and more secrets to reaching your full financial potential.

Namaste,

Jeff

Long term or Short term....

This is a critical few minutes as far as your financial success is concerned.

You’ll want to set aside some uninterrupted time to read and grasp the importance of this message.

IT’S THAT IMPORTANT!

When it comes to your money, do you think long term or short term? Predominantly?

All of us think both, but most of us think a lot more in one direction than the other.

Which direction do you think in?

Do you always want immediate gratification, or are you willing to exchange gratification today for some later in your future?

Would you like to know how you lean?

Look at your results. Look at your financial life.

In my practice, I see hundreds of people every year. They’re younger, older, richer, poorer, intellectuals, blue collar, professionals, business owners, investors. You name it, I see them.

When we talk about their financial goals, and I ask for their top 3, guess how many can even struggle to think of 3? Certainly, less than 5 in 100 can name 3.

Right away, that tells me a lot about this person or family.

We’ll talk about goals for retirement. I’ll ask, on a scale from 1 to 10, how would you rate yourself in accumulating the assets you’re going to need for retirement? Guess what the vast majority say? 1 or 2. A few will say 3 or 4. Very occasionally will I ever get a 6 or 7, and I virtually never get an 8 or above. Why do you think that is?

Everybody always tells me that they’d like to be in a position to retire. Some people say they never want to retire, they love what they do. I’m with them. But everyone eventually wants to be financially free, where they have enough income coming in from other sources that they don’t have to work any longer if they don’t want to.

So why is it that so few actually succeed at having a successful retirement?

Let me ask you again, when it comes to your money do you think more long term or more short term?

Statistically, about 95% of all people think IMMEDIATE GRATIFICATION. If they earn their money today, it’s gone tomorrow. Or worse, if they earn their money today, it was already spent a month ago.

That’s the majority I see it in my office daily.

Fortunately, there are those that have set aside a portion of their assets for their retirement. These people at least have half a chance at a decent retirement.

I’ve watched and observed successfully retired people for a very long time. How’d they get there?

Very few of them got there because of luck. Sure, a few inherited enough money for a nice retirement, or maybe they won the lottery, but they were the exception.

The most financially successful people I saw focused on 3 things. Earning their money, keeping their money, and growing their money. Poor and middle class people focus on one thing, SPENDING THEIR MONEY.

Most people are immediate gratification thinkers. Are you?

If you are, I can guarantee you this. You will never be rich, and you will never be free. You will never live the kind of retirement you’d like, and you will always struggle with money. It’s the universal law of cause and effect.

Most financially successful people think long term. They enjoy today, but plan to be alive tomorrow and into their future, and want those years to be enjoyable too. It’s a balancing act.

The big problem is that for most people, there is no balance. They’ve never learned how to manage money properly, and so they live a lifestyle beyond their means. The family earning $40,000 want to live like they’re earning $60,000. So they spend everything they earn, and go into debt for everything else.

If you are one of the majority, the Immediate gratification thinkers, admit it to yourself, and also admit to yourself that until you change the way you think, you will always struggle with money your entire life.

Or, you can join the 5%ers club. These are the small group of people who have developed the habits of success in life, and now achieve everything they set their minds to. You can choose to become a long term thinker, and a better money manager right now.

There are fantastic books on these subjects, or even better yet, go through this blog to find everything you need to join the group. That’s what this blog is dedicated to, the 5%ers.

Namaste,

Jeff

You are either going to win or you are going to lose..

Whether you realize it or not, you are playing a game. It’s called the Money Game.

You play it, I play it, in fact, everyone you know plays it.

Over our lifetimes, we are either going to win the money game, or we are going to lose it.

Unfortunately, most people lose the game, and it has devastating results on their lives.

Why do most people lose at the Money Game?

The answer to this question is critical to your financial life.

If you want to be one of the few who actually do win the money game, you will want to read the remainder of this post closely.

Would you like to know the one most critical factor to winning the money game?

This one factor is more important than all other factors combined!

You can know all about business, and marketing, and stocks, and bonds, and real estate, and negotiations, and every other investment and business strategy in the world, and it won’t make one bit of difference as far as your financial success is concerned.

I’ve written about this one factor dozens of times over the past 2 years on my blog.

Yet, as I meet with dozens of clients monthly, I still see the same core problem time after time.

If you truly want to win the money game, you MUST begin immediately to become an expert in this one area.

What is it?

The single, most important distinction between the financial winners and the financial losers, is that the winners are all EXCELLENT MONEY MANAGERS.

The winners all have a SYSTEM for managing their money that leads them to success.

Having a successful money management SYSTEM takes all of the guesswork out of what you need to do.

Why?

Because once you have a successful system to work with, you no longer have to think.

All you have to do is simply follow the system, and it will take you exactly where you want to go.

Unfortunately, less than 1 out of every 10 people have any kind of money management system.

I’d venture to say that less than 1 out of every 50 clients I meet have a money management system that they follow on a consistent basis.

The first rule in a great money management system is to PAY YOURSELF FIRST.

That’s the exact opposite to what most people do.

What do you do each month with your money?

If you’re like most people, you pay all your bills, and at the end of the month, if there’s any money left over, you keep for yourself. Sound familiar?

If you’re like most people, guess what’s left at the end of the month? NOTHING!

You have to put yourself at the FRONT OF THE LINE! Before any of your bills get paid, you have to pay yourself first.

Actually, you want to pay yourself at least 10% of every dollar you earn, now, and for the rest of your life.

This is money you set aside for your future.

You will NEVER spend this money. EVER! This is money you will grow over your working lifetime, so that you can retire one day on the interest and profits it produces.

I can always tell whether a client will have a chance to win the money game by how they manage their money.

Winning the money game isn’t hard. You just need to understand the rules and play by them.

The single most important factor in winning the money game is to become an excellent money manager.

And the first rule to being an excellent money manager is to always pay yourself first.

If you ever have the opportunity, I would highly encourage you to get to a seminar offered by my friend and mentor Harv Eker at Peak Potentials Training called THE MILLIONAIRE MIND INTENSIVE. It will transform your life. I promise you that.

Namaste.

Jeff