My last blog post was all about getting back on the horse. Walking the talk. You know, manning up.

However, today, I had a revelation that I believe will simply catapult my efforts to being my most awesome self.

As you may know, I do a lot of reading about success, growth, self-actualization, generally being the most kick ass version of yourself. The simplest and most common formula for success out there is:

 “Find your passion. Live your passion. Make obscene amounts of money from your passion”.

And when you live your passion, work is no longer work but pure bliss and every area of your life is infused with energy and enthusiasm because of this. Simple enough right? I mean, don’t we all know what we’re passionate about?  Yeah right!

Statistics show that only 5 out of every 100 people is ever going to be successful. So that means only 5% of the entire 7billion people on this planet actually know what their passion is and are living it out; not to mention successfully earning a living out of it. Chances are most of us don’t even know anyone in that elite five percentile.

As you can imagine, I’ve been super frustrated because I don’t have that “Oooh Oooh, I can’t wait to get up in the morning and go do this. I’m so blessed to have this job” special feeling that the successful talk about.

I mean even the disenchanted and rather suicidal sounding Preacher in the bible puts it like this:

 “For people and animals share the same fate—both breathe and both must die. So people have no real advantage over the animals. How meaningless! Both go to the same place—they came from dust and they return to dust.  For who can prove that the human spirit goes up and the spirit of animals goes down into the earth? So I saw that there is nothing better for people than to be happy in their work. That is why we are here! No one will bring us back from death to enjoy life after we die.”

So really, what’s the point in spending 12hours of your day everyday for your whole life, doing something that you don’t love? It’s been driving me crazy trying to figure out what I would love to do every waking moment of my life and not get tired of it. (Oh and travelling around the world enjoying good food, fine wine, fast cars and the company of exotic women does not count!)

So today it hit me. Why stress myself out looking for my passion when I can simply live passionately and let my passion find me?

Simple right? Alot of these successful men and women have shared that they actually didn’t start out where they are now but by simply grabbing life by the horns and living fully, they eventually found their destined path. Sure there were probably alot of false starts, bankruptcy’s, broken hearts and eating out of garbage cans but sometimes, there’s just no damned clear path with neon signs telling you what you were born to do.

Sometimes, your lucky, your blessed and you just know what you were born to do. Most of the time though, you get there after massive trial and error. Some would say it’s Gods way of testing whether your truly worthy of you destiny or your just a charlatan who would squander it away.

I think most of these people out there mislead us into believing that finding your passion is so easy, like, how you just know what you’d like to have for dinner friday night. I have come to believe its much more difficult than that for many of us. It’s more like finding your true self in the clutter of the expectations and labels thrust upon us by parents, friends, society as a whole. It takes courage, time, effort and even pain.

So here’s my advice to all of us who are struggling to find our destiny, our passion or simply work that we enjoy.

Just live your life passionately! Stop chasing passion and just be passionate about everything you do.

Be open to all the possibilities. Try things you’d never consider doing in your right mind. Do what you think you’d like to do. Embrace pain, failure and embarrassment.  Because it’s in the multiplicity of lifes seemingly random events and experiences, that we find out who we are, what we can not stand and very importantly, what we are most passionate about.

Most of all have faith in God. He will, in His perfect timing, set you in the right place and straighten the crooked paths you’ve taken.

Ahhh, I feel a huge burden off my chest now that I let go of that nagging need to find my passion. Go a head, try it. And be sure to leave a comment telling me all about your new found freedom.

Have you ever asked yourself what would you have to believe in order to be the person of your dreams and to live the life you desire? I recently asked myself that question and I came up with this long list.

I believe I am worthy of success and wealth

I believe I a can do all things through Christ who strengthens me

I believe I can achieve all my dreams

I believe I am a great husband and father

I believe I that in every adversity or challenge is an equal or greater opportunity

I believe that in utmost Integrity

I believe I am made for greatness

I believe I am loved and appreciated

I believe I have incredible potential that I can never exhaust

I believe I am 100% responsible for my life

I believe I am a winner

I believe I am blessed and highly favored

I believe I can lead with greatness

I believe in serving others lies the key to lasting success

I believe in giving great value delivered with excellence

I believe the more I give of my self, time and resources, the more I get in return

I believe that there is greatness inside of everyone and I merely have to draw it out

I believe what I leave inside my children is more important than what I leave for them

I believe true love is more something I do than something I feel

I believe that the quality of my thoughts dictates the quality of my life

I believe my attitude is more important than my circumstance

I believe I am where I am today because of choices I made in the past.

I believe in doing what I do best and finding others to do what I do worst.

I believe in constant never ending improvement

I believe in reading and learning from others is vital to my growth

I believe I have all the intelligence I need to succeed beyond my wildest dreams

I believe I was created to house the Glory of God

I believe when I believe, anything is possible

I believe the words I speak have great power

I believe that living my dreams inspires others around me to do the same

I believe that I am blessed to be a blessing to others

I believe I can choose my response to any event or circumstance

I believe my thoughts affect my emotions which inturn affect my actions

I believe the people I most spend time with directly affect the quality of thinking and life I have

What would you have to believe?

This morning I was sitting in a Matatu (local commuter bus) seething, raging, crying. I’m frustrated and weary. See, everyone who reads this blog knows I have very lofty dreams, ridiculous dreams some of them.

But, Life!

It’s just kicking me in the nuts all the time! No breaks, no helping hands, no retreat, no surrender! I like to say I’m a billionaire in training but right now, I can’t even muster a dollar. Yes, I mean 1$. Talk about hopeless disparity between my reality and my dreams.

So anyways, I’m sitting in this matatu raging at God, the Universe, myself, the high school crush who never gave me time of day, President Obama, the birds, the bees and everything in between, when the oddest thought popped into my head.

A single thought so ridiculous in the context, I almost laughed out loud. Fortunately, my public sensibilities kicked in and I restrained myself from asking the lady seated next to me if she’d heard what I did.

It went something like this.

Me: “I’m so tired. Why can’t you give me a break, what more do you want from me? haven’t I given my best? When will my dreams come true, huh? Why are others less…(insert whatever you want here)…than me succeeding and I’m just so bloody stuck?“
Me: “I’M SO F*&#-ING PISSED“
The Voice: “Don’t get Mad, Get even!“
Me: “Ha ha ha ha ha heee he he heh uh huh.…“
Me: “Wait a minute…Huh? That doesn’t even make sense. Get even with what? With Life?“
The Voice: “YES!”

Got me thinking. Get even with Life. Hit back. Prove Life wrong. Show it that I’m worthy, I’m capable, I’m tough as nails. I’m Jack Bauer, Chuck Norris and Golola Moses put together with a topping of Bruce Lee!

Yes. Overcome my fears and limiting beliefs.
Yes. Become an innovative, dynamic and highly respected billionaire entrepreneur before I’m 40.
Yes. Cultivate and enjoy an outrageous loving, romantic and nurturing relationship with my awesome wife and be worlds best dad to my kids.
Yes. Contribute and positively influence thousands of men to achieve greatness.
Yes, pay off all my debt and be absolutely financially free all the days of my life.
Yes. Drive that ridiculously expensive yet capable Range Rover Sport.
Yes. Get even and then some!

Getting even sounds like much more fun than being pissed off and miserable. Yeah, I’m definitely doing that. I’m going to work harder, better, longer until my goals and dreams are achieved and life begs for mercy. Then the next time I find myself pissed, seething and raging, it will be because all this time, life was a much weaker foe than I thought!

So tell me, are you going to get mad with your life or will you just get even?

Shalom

I once watched a movie called “Baby Geniuses” which insinuated that children up till they reach the age of 2years are proverbial geniuses! The father of one of children in the story is obsessed with getting his daughter to tell him the secret of the universe before she turns two and becomes dumb!

But, I digress. My point is that you can learn a lot from children. I am constantly amazed just watching my daughter grow up. Over the past week, I’ve seen my daughter come from crawling around the house to walking with all the Swag of a fierce-some but drunk pirate(Jack Sparrow anyone?!) I feel so proud and blessed to see her developing so well.

Anyways, still more digressing. The point I’m trying to make is that I’ve learned some important truths about growing and succeeding in life from watching my daughter over the past few months and I’d like to share my thoughts with you.

1. Don’t be afraid of falling

My daughter falls on average a hundred times a day. For real. Whether its walking, playing on the bed or sofa, whatever it is she’s doing, you can be sure she’s going to fall a gazillion times in a day. In fact, i think she finds it extremely strange that we her parents don’t seem to fall, ever. Ha! If she only knew! The amazing thing is though, it doesn’t stop her. No matter how many times she falls, she’ll pick herself up again and again and again. And then again. I gave up trying to pick her up. Too exhausting.

Life lesson: No matter how many times you fail in life, pick yourself up and keep going. Again and again and then again. Falling is just part of growing.You can’t learn to walk without falling a few hundred times so why should succeeding at a relationship, a career, a journey be without its falls? Pick yourself up.

2. Be annoyingly persistent when you want something

On my bed side is a little cupboard where i keep whatever books, wallets, phone and other nick nacks nearby. Before my daughter could even crawl properly, she took note of this little treasure chest of mine. She determined that she needed to have whatever I keep in there. I marveled watching her learn to lean precariously over the side of the bed to pull open the drawer and reach beyond her little arms could possibly do so to pull out a book — ripping several of them in the process or worse, my wallet. What was amazing was seeing the daily persistence and how she kept adapting till she could finally open it and get whatever she wanted from the drawer. You should see the look of satisfaction on her face whenever she’d succeed. Priceless.

Life lesson: Be annoyingly persistent in going after what you want and keep adapting till you finally attain your goal. Life isn’t going to just give you what you want. There are so many obstacles to overcome but keeping trying different things till you succeed.

3. You gotta let things go!

One of the hardest things I have to do is to punish my dearest Princess from time to time. It’s incredibly hard to spank her. Sometimes I wonder if she even understands why I do it. Often I have to remove something from her grasp for her own safety or restrict her from going somewhere. Now this vexes her to no end, evidenced by her banshee screams and crocodile tears. It breaks my heart to cause her to cry. But every time I do so, every time, in a matter of minutes she’ll have forgotten and flashed me her polar cap melting smile or come to me for a hug. Sometimes immediately after I’ve spanked her she’ll come to me for comfort! You see, she’s very forgiving. She doesn’t hold a grudge and seek revenge on me and all my descendants. She doesn’t crawl into a corner and seethe and play the victim. She’s gets hurt, she cries, she moves on. Period

Life Lesson: Let things go. Forgive people. Forgive yourself. You’ll move a lot faster and higher in life when you don’t let things stick to you. They only weigh you down. And you’ll be a lot happier too.

4. Be curious about everything

Albert Einstein once said “Never lose a holy curiosity”. My daughter is the poster child for curiosity. Everything is unique, special and wonderful to her. It doesn’t matter if its the television flashing all these tiny people at her or a freshly filled diaper that could make the dead wrinkle their noses. She’s curious about everything, turning them every which way, banging them, shaking them, tasting them(its horrifying to see her try to taste the garbage!) She doesn’t take anything for granted or simply at face value. She must explore everything. No matter how many times she sees something, there’s always room for exploration. Soon, I’ll have the nightmare of actually having to answer her billions of incessant questions about everything. Bracing myself.

Life Lesson: Don’t take life for granted. Don’t assume you know everything there is to know. Be curious about everything. Question yourself, your beliefs, your results. Smell every flower, taste every meal, try every adventure. It’s through curiosity that life’s greatest inventions, breakthroughs and adventures have come.

5. Don’t take no for an answer

“Kemi No. NO. NOOOOOOOO! Don’t touch that. Leave that alone. Stay away”. This is now what you hear all day long in my house. I often wonder if we’re not permanently damaging her spirit by constantly saying no to everything she wants to touch or do. Here’s the funny thing though. She doesn’t listen. For the most part anyway. She’ll keep on doing what your telling her not to. Now as you can imagine, that’s pretty frustrating. But there’s an upside to this. If she constantly acquiesced every time I said don’t do this, don’t do that, she’d never learn to walk, to develop her motor skills, learn from her painful experiences and grow. Huh! Who’d a thunk it?

Life Lesson: In life, there will always be naysayers. People who tell you NO. You can’t do that. You can’t be a success. You can’t achieve your dreams. You gotta learn to ignore them and keep on anyway. Life will never make things easy for you(and neither will most people, or the government) but you gotta keep pressing on. Be annoyingly persistent. Life will relent eventually.

So as you can see, children are brilliantly fascinating. I read once that as much as we think we are our children’s teachers, it’s actually they who teach us. I agree. I’m pretty sure I still have a lot to learn from my guru daughter and to be honest, I’m terrified but equally excited.

I’ll keep you posted with more insights as she decides to reveal them to my less than genius self. And for the rest of you who are also in the school of toddlers, what insights have you learned? I’d love to hear them.

Shalom

Some wise sayings;

“You can learn many things from children.  How much patience you have, for instance.”  ~Franklin P. Jones

“A child can ask questions that a wise man cannot answer.”  ~Author Unknown

“While we try to teach our children all about life,Our children teach us what life is all about.“
~Angela Schwindt

“Children find everything in nothing; men find nothing in everything. “~Giacomo Leopardi, Zibaldone Scelto

“There’s nothing that can help you understand your beliefs more than trying to explain them to an inquisitive child.  ~Frank A. Clark”

“There are no seven wonders of the world in the eyes of a child.  There are seven million.” ~Walt Streightiff

So I hate to admit it but i’m not rich. Phew, there, I’m out of the closet. Apparently tho, If you took the time to really sIt down and study rich people closely, you would come to the other shocking revelation of the day.

Rich people aren’t really any better than you! Yes, they aren’t smarter, more beautiful or even as fun as you. So why are they rich and your not? Well according to T. Harv Eker, bestselling author of “The Secrets of the Millionaire Mind”, there are 17 distinct differences between you and the rich, which are:

1. Rich people believe: “I create my life.” Poor people believe: “Life happens to me.”
2. Rich people play the money game to win. Poor people play the money game to not lose.
3. Rich people are committed to being rich. Poor people want to be rich.
4. Rich people think big. Poor people think small.
5. Rich people focus on opportunities. Poor people focus on obstacles.
6. Rich people admire other rich and successful people. Poor people resent rich and successful people.
7. Rich people associate with positive, successful people. Poor people associate with negative or unsuccessful people.
8. Rich people are willing to promote themselves and their value. Poor people think negatively about selling and promotion.
9. Rich people are bigger than their problems. Poor people are smaller than their problems.
10. Rich people are excellent receivers. Poor people are poor receivers.
11. Rich people choose to get paid based on results. Poor people choose to get paid based on time.
12. Rich people think “both.” Poor people think “either/or.”
13. Rich people focus on their net worth. Poor people focus on their working income.
14. Rich people manage their money well. Poor people mismanage their money well.
15. Rich people have their money work hard for them. Poor people work hard for their money.
16. Rich people act in spite of fear. Poor people let fear stop them.
17. Rich people constantly learn and grow. Poor people think they already know.

So, I’m taking a bit of time, well plenty of time to dwell on these and compare with the rest of my life to identify why i’m not rich yet. I hope this helps you because I want everyone of you to succeed.

Shalom

The other day I was speaking to my cousin who is one of the closest people to me and he shared a very interesting revelation. You see he has a dream to own an Audi S8 which costs over 120,000$ and thats before the local revenue boys even ask for your shipping documents. Not to mention he wants to have a net worth of about 5million dollars in the next 5years. Now thats a BHAG!

Now, he realised that to actually achieve these dreams, he needs to have a much larger Mindspace than what he currently has. What is Mindspace you ask? Well some call it mind set but i say it’s the capacity or scale of the positive and empowering thoughts and beliefs you have.

Basically as long as your thoughts and beliefs are congruent with your dreams, you will achieve them. In my cousins case, if his thoughts and beliefs allow him to comprehend flying to Germany to customize the machine he wants, wire the money to Audi, put it on a plane to deliver it, give URA another cheque of UGX 100Million, then reach into his wallet and pull out another UGX 250,000 to fill up the gas tank, well lets just say it will probably happen very quickly. His Mindspace tells him that this is as normal as putting on clothes.

However, if his Mindspace is too small, well lets just say the closest he’ll ever get to that machine is pictures and videos on the internet.

Napoloen Hill says “What ever the mind of a man can concieve and believe, he will achieve” and the Master Himself says “As a man thinketh, so is he”. The point I’m trying to make is that our mindspace dictates directly the kind of results we have in life whether they be successes or failures.

My cousin rightly realised that inorder to achieve his dreams, he absolutely needs to increase his mindspace. Further more, his mindspace has to grow so that he can also accommodate the changes necessary to actually own such a car. The house where he will park that car, the maintenance costs to run it, the amount of money he’ll need to carry in his wallet daily, the friends he’ll have(and enemies), the standing in society that he’ll project, the level of business transactions he’ll be executing.

A great Mindspace is essential for a great life!

So if you have a dream, you will have to enlarge(or shrink) your mindset to accommodate that dream and everything that goes with it. Basically wealthy, successful and happy people have very large and positive mindspaces while poor, unhappy failures have tiny dark mindspaces.

So i ask again, how’s your mindspace?

It’s almost an obsession of mine to understand how to be a super achiever in my own life and this blog is dedicated to sharing with you what I learn. Brian Tracy is one of the foremost success gurus out there and a personal favorite of mine. He says success comes when you have these seven C’s in firmly in place. Here are Tracy’s 7C’s for your success.

After having studied top achievers and peak performers over the past 25 years, I’ve concluded that these unique men and women, have in most cases, mastered what I call the Seven C’s of Success.

1. Clarity—Eighty percent of success comes from being clear on who you are, what you believe in and what you want.

2. Competence—You can’t climb to the next rung on the ladder until you are excellent at what you do now.

3. Constraints—Eighty percent of all obstacles to success come from within. Find out what is constraining, in you or your company, and deal with it.

4. Concentration—The ability to focus on one thing single-mindedly and see it through until it’s done takes more character than anything else

5. Creativity—Flood your life with ideas from many sources. Creativity needs to be exercised like a muscle; if you don’t use it you’ll lose it.

6. Courage —Most in demand and least in supply, courage is the willingness to do the things you know are right.

7. Continuous learning—Read, at the very least, one book a week on business to keep you miles ahead of the competition. And just as you eat and bathe, organize your time so you spend 30 minutes a day exploring e-mail, sending messages, going through Web sites, because like exercise, it’s the only way you can keep on top of technology. If you get away from it, you’ll lose your edge.

Hey everyone, Happy new year to you all and welcome back. It’s great to be alive and back again for a new year. You could be sick, in jail, or dead or dying but nope, here you are reading this blog. So lets thank the Master for life and another chance to do things better.

The beginning of the year is a particularly intriguing time. It’s perhaps the only time in the year (except for our birthdays) that we really take time to reflect on the past and future seriously. Thats why resolutions are generally made at the start of the year.

For the last three years I’ve been in the habit of not making resolutions. I find that new year resolutions generally set me up for failure. They are usually not made with the right convictions and then followed up with really weak efforts. By end of March, I’m caught up in the waves of daily life and nearly forgotten most of my resolutions . Then the end of the year comes and I beat up myself because I didn’t even make a scratch in my resolutions. Does that sound familiar?

My solution to this crap cycle is to have a constant set of personal goals that I work on regardless of whether its a new year or not. I find this to be much a more progressive and fulfilling approach. Have your 3months, 1year, 5year and 10year goals at all times. They give direction, focus and hope.

An interesting alternative for new year resolutions is having an overall Yearly Theme. I found this on Steve Pavlina’s blog, an individual whose material i find to be exceptionally deep and insightful. His approach is to have a general theme for each year. For example 2008 his theme was Health, 2009 Relationships. This gives you a nice framework that helps you focus on a particular area of your life for one whole year whilst still working on your regular life goals.

Whatever you choose to do for 2010, what I can say is any resolution, goal or theme is better than just floating through the year and seeing what happens. As the saying goes “if you don’t know where your going, any road will take you there”.

I read somewhere that we tend to overestimate what we can accomplish in a single year and underestimate what we can do in ten years. It hit me so hard to realise that we’ve just completed the first decade of the century! Think about that for a moment. 10 years. I think of all that i could have achieved by now if i’d only made serious commitments and goals ten years ago!

Heck, i simply decided to have flimsy resolutions and see where the year takes me. Now I’m still as far away from achieving my dreams as i was 10years ago! That is disturbing. I’m certainly not going to make that mistake with the next ten. I encourage you not to make it either.

So I bid you health, wealth and love in every aspect of your life in 2010. May be prosperous, may you become a greater person than you ever dreamed, may you conquer giants and love and be loved deeply. And may the Master be your guide, your strength, your refuge and your hope in this year and beyond. Amen

Let’s make 2010 a spectacular year.

Shalom

“I hope you live more, love more, laugh more, dare more, take mind blowing risks and achieve more in the new year.” New years SMS from a friend

Today in my mail, I discovered a pleasant bonus in one of my weekly inspirational newsletters. The 13 absolutely unbreakable laws of success by Brian Tracy, one of my favorite motivational speakers. Here it is in simple and no nonsense breakdown of things you must learn to do to achieve great and lasting success in your life. I give you, the 13 Absolutely Unbreakable Laws of Success.

1. The Law of Control:

You feel good about yourself to the degree at which you feel you are in control of your own life.

2. The Law of Responsibility:

You are completely responsible for everything you are and for everything you become and achieve.

3. The Law of Direction:

Successful people have a clear sense of purpose and direction in every area of their lives.

4. The Law of Compensation:

You are always fully compensated for whatever you do, positive or negative.

5. The Law of Service:

Your rewards in life will always be in direct proportion to the value of your service to others.

6. The Law of Applied Effort:

All things are amenable to hard work.

7. The Law of Overcompensation:

If you always do more than you are paid for, you will always be paid more than you are getting now.

8. The Law of Preparation:

Effective performance is preceded by painstaking preparation.

9. The Law of Forced Efficiency:

The more things you have to do in a limited period of time, the more you will be forced to work on your most important tasks.

10. The Law of Decision:

Every great leap forward in life is preceded by a clear decision and a commitment to action.

11. The Law of Creativity:

Every advance in human life begins with an idea in the mind of a single person.

12. The Law of Flexibility:

Success is best achieved when you are clear about the goal but flexible about the process of getting there.

13. The Law of Persistence:

Your ability to persist in the face of setbacks and disappointments is your measure of your belief in yourself and your ability to succeed.

Shalom

So we have finally come to the end of our series on the 9 Habits of Millionaires as i understood them from Adam Khoo’s e-book. Lets dive right into what is probably the most important of all the habits as it directly relates to money and how we see it.

Habit 9: Respect Money

Do you really respect money? If i was to ask you what you thought of money, I’d get several varying answers many of which would show an unhealthy view towards money. The most common beliefs about money are:

• Money is the root of all evil
• Money is elusive and fleeting
• Having money will cause me more problems
• Rich people are greedy, selfish and unscrupulous
• Poverty is a virtue
• Money will change you(into a bad person)
• You have to work extremely hard to make money
• If i become wealthy
• etc

Most of us want and desire to have lots more money but subconsciously, we walk around with these negative associations towards money and this causes a conflict. Essentially what happens is that we sabotage ourselves from getting money. For example most of us have been brought up to believe that money is the root of all evil. As such we feel guilty about money. So we unconsciously do things to get rid of the money in our lives. If you have 5million shillings on your account, you find ways to spend, lend, waste, give it away to abate the guilt you have in actually having that much money. Please note that as long as you have this disrespect for money, you will never be able to truly prosper. 

Millionaires on the other hand have a high respect for money. They see money as a tool, an ally and even as a friend. Millionaires know that money can do a lot for them. Millionaires realize that money offers them opportunity to do the things they really want, go where they want and buy what they want. Money to them therefore is highly respected. They don’t waste it. They don’t throw it away. They don’t feel ashamed of having it either. In the same breath, millionaires are not slaves to money. They don’t work for money. Money is a result of them offering tremendous value in the marketplace. They know that their true worth doesn’t come from money but with the value and ideas they have to offer. Money to millionaires is merely a way of keeping score.

So we must work on changing our beliefs and attitudes towards money into more healthy and empowering ones. I personally have chosen to adopt some of the following beliefs about money:

• Money is abundant and comes easily and frequently to me.
• Money helps me live the lifestyle I desire
• Money enables me to richly bless those around me
• Money is an effective tool that I use in my life
• Money is a reflection of the value I offer in this world
• Having money is generally better than not having it.  
• Money gives me tremendous influence for good
• etc

I’d definitely like to hear your new found respect and beliefs of money. I could use a few more myself. Recognize that most of your beliefs about money are myths that were unwittingly passed onto you by you parents and society. You want to be rich. You can be rich. Give yourself permission to do so. I know i have. And everyday I’m striving to develop all these 9 habits.

And thats it folks. Phew! Thank you for following this series, I do hope you were blessed by it. I will be anxiously waiting to hear your various feedbacks about how easy, difficult or practical it’s been for you to live out these habits. For your reading convenience here are all the Habits listed once again.  

• Habit 1: Give more than Expected
• Habit 2: Be Proactive
• Habit 3: Take 100% Responsibility
• Habit 4: Delayed Gratification
• Habit 5: Do what you love
• Habit 6: Act with Integrity
• Habit 7: Be 100% Committed
• Habit 8: The Ability to turn Failure into Success
• Habit 9: Respect Money

Shalom

JAMES RUSSELL LOWELL:
Wealth may be an excellent thing, for it means power, and it means leisure, it means liberty. 

WOODY ALLEN:
Money is better than poverty, if only for financial reasons.