Uncategorized – The Marketing Show

Disclaimer: alot of these quotes I feel like I heard while listening to The Dave Ramsey Show ...some of them are not and are just other thoughts and musings. Enjoy. Going to college to get a philosophy degree when your wife is pregnant with no idea of how you are going to earn a living when you get out is a bad philosophy. Term life insurance wont change your life, but it will change your death. --Dave Ramsey You can not serve two master cards. Too many people don't want a safety net, they want a hammock. Once you say, "No" long enough, you get to say, "Yes" to anything. The cost of rent is you doing what I say. Winning the lottery is like putting Miracle-Gro on your character traits. Sudden wealth is seldom good. Smarts + Discipline = Wisdom When you have no debt, something more than a financial transaction takes place. I started running my business differently. There is a different switch that flips when you are debt free. [And intend to stay that way] I can't get em ta.....its a pattern isn't it? With no house payment with no nothing, it doesn't take much to live. I love you too much to participate in your failure. "80% perfect and published changes 100% more lives than 100% perfect and stuck in my head" -Jon Acuff Hang on the line, Laura is going to send you a copy of 'The Total Money Makeover'...'cause you need one. Don't do stuff that is leukemia to your spirit. Everyone keeps telling you no, but you didn't stop. Just because someone else can't see the vision, doesn't mean you can't. This is about behaviors and behaving. I always want to see people growing even in your trade. Doing the exact same thing 20 years. I don't care if it is white collar or blue collar. If we can't pay cash for it, we can't do it. Giving is a monthly budget item, it's not a baby step. Ninety grand to cook? (amount paid to study culinary arts) You don't deserve squat unless you can pay for it. If you can't get a job, go make one. (go start a business, go knock some doors) All the interest I was paying on my house was making me sick. Learned from my cold calling days that you don't leave messages. debt = risk, more debt = more risk and even more debt = even more risk. EVERY cash transaction is recorded in my business, because I am not a liar. When you get rich, your problems don't go away. You just get different problems. (like becoming a First Counselor and taking care of 500 other peoples problems :)) Where do you want to be in 5 years? A verbal contract isn't worth the paper it's written on. Antique cars are one thing, but antique planes are another. When you get laid off with a paid for house, paid for car and money in the bank, it changes everything. If your going to win, your going to read. Those are the variables that will change the trajectory of your life. 9 bazillion computers for every 9 helicopters. Even if you get a job, it probably wont pay very well. You bought the dream of making $60,000 a year and not having any payments. It doesn't take much for walmart, target and 3 restaurants to steal your wiggle room. You would never say to a friend what your sister said to you. Humanize your selling strategy. Don't cold call, use 6 degrees of separation. Prepare to win. Micro decisions lead to macro results. I want to drive a Truck that you can put a Prius in the back of. I'm sorry for building a watch when you asked me what time it was. The four walls. Food and water, electricity, shelter, transportation, basic clothing Keep a half a million of liability insurance on your car/house. Money isn't important, but what it does is. Because it feeds your kids. You can't just be a taker, you have to be a giver. You know what? I am just really glad I am here. This is fun. Never again is Dave Ramsey going to find himself in a mess like this again. Reciprocity without keeping score. The decisions and choices you make put you where you are. You bought a 2011 Honda Odyssey while you were on unemployment? We are not going to write the check when you do stupid. Nobody has got that much money. Kind and firm. Pay stay. Don't Pay, don't stay. I'd rather have an empty unit than have someone that wont pay. I do not tolerate people paying me late in my business. You have a sales problem. On average the more people you help, the more money you make. (home builder vs software engineer) Help enough people and you don't have to worry about money. What does the wife of multimillionaire Dave Ramsey do on a Monday night? Watch the Bachelor. If it is to be it is up to me. I'm not a civil engineer, I'm not a landscaper, I have just owned over 1,000 pieces of real estate in my life. Most BMW's are driven by non-millionaires. I would not go into debt to go to helicopter school. Don't get in the habit of lusting for things you can't afford. 'So and so' let me down. That's because you were leaning on them. The biggest thing I have learned from [Dave Ramsey] is to not loan friends or family money. A part of winning is believing you can. Dave Ramsey is helping more people than all of the congressmen put together and I agree. I wish I could read 10 times more than I do. -DR Insurance costs you money to protect your investments. When in doubt, don't. Real boys buy their toys after their families needs have been met. (pilots license, house) You can do almost anything if you just keep at it. (dental school? MBA) "As long as we live beyond our means, we're destined to live beneath our means." ~ Ron Paul, 2008 The heck with the cheese, let me out of the trap. (Credit card debt) "Although we talk of kicking Sallie Mae to the curb, in reality we our kicking our old selves to the curb." #Transform @DaveRamsey via Rave_Damsey Get your finances in order so you can do what you want to. Dave has read Principle Centered Leadership. You got to do something in the next 10 years to change your life. I am doing all the Roth 401k I can do. --DR "There are three faithful friends - an old wife, an old dog, and ready money." -Benjamin Franklin You've got to think about the big things while you do the small things, so the small things will go in the right direction. Everything about you screams success. how you look, how you smell. just to exist. 37 people 3000 people applied. its impossible to not weed through that. you become a needle in a haystack You have to set yourself apart. and sitting in your sweatpants on your computer is not doing it. set yourself apart. set yourself on fire. you got to go read some books. quitter by jon acuff, who moved my cheese 48 days, bob baeudein power of who. he picks up the phone and he calls one of his friends. you probably know someone who knows someone Who can make the connections to get you that job. When excellent people recommend people, they are usually excellent. I am a book junkie. -DR I haven't hit half of my goals on time, but I still hit my goals. ADD people are weak at details and routine. --Dan Miller You can't just have one cookie, you have to eat the whole bag of cookies. Look out at huge long term goals and work back to know what you are going to do month by month, week by week and day by day. I am not mad at the people living in LA, I am just not going to live there. I like Nashville. 46 years old and finished a marathon in 5 hours and 17 minutes. I am going to measure winning with money, by seeing if I have some. The FICO score is a false measure of winning. There is an inverse relationship between wealth and a FICO score. I need to know who your attorney is, so that my attorney can know who to contact. We don't borrow money. The answers to a lot of questions are found in books. If I gave you $100,000, what kind of business would you start? (small business consultant) If you make enough being self-employed then you can buy your own benefits. The more patient you are when you are looking for a house the better. I drove that [beater] car for 10 years one three-month period. That's what it felt like. larry burket, ron bluthe (blueth), howard dayton (crown ministries) Be very gentle and yet very firm. (parenting and with collections) There is more to life than work. Do you have a family? Ability brings security, not a job. Your security comes from your ability. I don't want to be on a diet, I just want to buckle my pants. I don't take a lunch hour, I take a lunch 15. I don't lend money to people, especially to people I love. The guy who can start a business is the same guy who can be a control freak. Just because I have some money doesn't mean you have any rights to it. All across America parents have abdicated their parental responsibilities. Step up parents and have a freaking backbone. Don't be a control freak, but step up. God loves a cheerful giver. I am always about the business of building wealth, because I have found its a fabulous tool to help people with. It's amazing that you can live without borrowing money. The problem with teaching kids about money is that it takes so much more time than just giving them money. Welcome to Parenting. What's valuable in our marketplace is knowledge. He wants to have everything yesterday. The guys that win in this life with their wealth are the tortoises not the hares. Unemployment is either 0 or 100% depending on who you ask. Debt-free-hope-filled people give more. My finances are very clean. I give people money and they give me stuff. He is 28. When do you stop breastfeeding him? No you should not buy your 28 year old son health insurance. You'll get better and make more money doing things you love. In America very few of us have any real needs, all we have are wants. Your feet are working, there's transportation, shut up. For some people not going on vacation is radical. We rocked your world. We don't have to go as far as blood and plasma. The preacher said "and now you are one" not "now you are a joint venture" you still clean his laundry right? Its OUR debt. I am spoiled freaking rotten now. We have got to learn to feel money again. Same purchase...same store....same counter....10 $100 bills. 1..2..3...4...5...6...7...8...9...10. Ouch I just spent some money! I try not do the same stupid things twice, because there are lots of new stupid things to do.-DR Don't choose lifestyle over kids. We took a lifestyle cut, a paycut, a slowdown-in-all-of-our-financial-goals decision for her to be home full-time with the kids, 26 years ago, and I look back and say that was an incredible investment. It paid dividends for me. #1 Your most powerful wealth building tool is contentment. I don't have to have that purse. I don't have to have that house, that car, eat at that restaurant. I don't have to go on that trip to be happy. This constant scratching and clawing for more and more is wealth defeating. When you raise your prices you are going to lose 20% of your business and thats a good thing. I'd rather do less work and make more money. That's not greed, its just the proper way to run a business. I am bipartisan in my approach to stupidity. Opportunities come from people, not from base knowledge. Maybe what we need to do is pass a bill through Congress for people to be responsible. If you are going 75 mph the wrong way--just stopping is a pretty big deal. The wealthier you are [or are going to be:)]the more likely you are to listen to talk radio. (especially Dave Ramsey talk radio :) ) Nobody in the organizational chart above me....other than God. 100% of the time, life doesn't go how we planned it. Giving: the ultimate investment. "A double minded man is unstable in all his ways." -James 1:8 I became so single minded it was unbelievable. (get out of debt, get out of debt, get out of debt, gmat, gmat, gmat, gmat, go kart park, go kart park ;)) Discipline begets discipline. Finding your dream job is not an act of discovery, it is a process of recovery. What have I done in my life that I love doing? (reading, developing ideas, chess, basketball, collecting quotes) Successful people work their butts off, live on less than they make and invest the difference. With 18 year olds, you can visit for a minute, and then if they don't do it, then I force them to do it. When your kids give the pastor your money, they are not being givers, they are just couriers for daddy. http://financiallyfit.yahoo.com/finance/article-113691-11403-3-true-story-living-well-on-11000-a-year He means well, but he is a financial dufus. I am most alive when I am teaching. Pick something to be excellent at, and do it everyday. Money goes towards hard working, honest people with good ideas that impose their will on the marketplace. Business is not that hard, all you got to do is love on your customers. (toy license plate, burger king hats, ramps, drive thru, juice boxes, cookies, monopoly money) What I do is, I don't borrow money. What I say is buy a home on a 15 year fixed rate mortgage where the payment is no more than 25% of your take home pay. You people who enjoy running are sick. Your bailout doesn't need a loan. People who are successful in any area of their life are intentional about it. Broke people don't need to own rental property. I grew up on Faulkner Drive. You can't mow over dandelions, you have to pull them out by the root. The way you know if you can afford something or not is whether or not you have to make payments to purchase it. Stupid is not illegal. Making it in life is a pain in the butt. Is that the source of the OWS anger? Our poor people in American are more wealthy the 70% of the people in the world. Small business is the definition of hassle. They don't call me Daddy here. (talking about his kids working with and for him) All I have seen tells me to trust the creator for all I have not seen. --Ralph Waldo Emerson If they sue me, they can have my copier. Very kind and very blunt. More is caught than taught when it comes to kids. To not fully apply yourself at any point in your life is not something I can endorse. Find some way to serve. I don't intend to quit. I intend to just die. There is a thrill that comes from serving. It is not how we are wired as a people. If I don't get paid by the 7th, they are getting an eviction notice the next day. These kids need to grow some.......ethics here. Look around and find out what needs doing. Excellence in any area of your life is weird. Very few people become wealthy before they first become content. Business can be a higher calling. You really do become who you hang around. (Hang around good BYU people) Now if you got 11 million dollars....you don't go to USlegalforms.com. -Dave Ramsey Your not dinking and dunking with it, now your slamming it. It's always a good idea to build some wealth. It comes in handy for alot of things. -Dave Ramsey Rich people hate leaves, go to Home Depot and buy a leaf blower and boom, you are in business. Do I serve my child well by doing everything for them? Those of us who travel know its stressful. It's not as glorious as people think it is. I don't give a flip about adverbs. But later in life when I wrote it book it was good to know about them. It's nice to have some margin in your life. I bought millions of dollars of real estate in the last 12 months. The number one earning decade of your life is in your fifties. When your not smart about your education there is something oxymoronical about that. You need to be smart about your education. Elementary school shrinks as you grow up. You got to try some things outside of your comfort zone. Face your demons. A legacy of money, a legacy of character, of knowledge. We are going to change our family tree. It takes someone very healthy emotionally and spiritually to be happy about somebody else's success. The first book I wrote, I wrote between 10pm-2am. I would ride a bicycle before I had a car payment. Run 3 miles by 7 in the morning. Read the Bible from 7-730am. Its kind of like changing diapers, when you are in the middle of it, it seems like it is going to last forever, but then when you look back at it, you realize it was just a blink. I have no debt thanks to you. I have no money thanks to me. If you have money, you have options. A generous personality. Dave you need to be positive. I am positive. There will be an emergency some day. I will not quit eating, so I have to go running. Fanatical levels of integrity is the #1 trait of decamillionaires. (Even their competitors and their enemies) 70% of appraised value minus repairs is the most he will offer on a house. What is not started today is never finished tomorrow. -Johann Wolfgang von Goethe How are you going to surprise your customers today? It's not a leap of faith, its a step of wisdom. You do not want to be walking around in this life without an emergency fund. If you are going to have the pain, make sure you write down what you learned from the experience. That's why prospective buyers should stop focusing on the vague hope that house prices will jump from here and focus instead on the functional value houses provide for the money. In most markets, they provide enough of that to make buying a good deal. Steal it or don't buy it. Buy to flip or buy to hold? He buys to hold. A home is what you make of it, there is a house on every corner. Money isn't evil. It takes on the characteristics of the person who holds it. An idea unrecorded is an idea often lost. Zig Ziglar I have got financial peace and I am not going to trade it for anything. All of your opportunities will come through people. Our Heavenly Father is inordinately pleased when we are obsessively, compulsively, preoccupied with the needs of others. I have got lots of friends who are wrong about things. You get to see your children, which is kind of a neat thing to do. My business is here to serve people, not abuse them. Nothing is more common than unfulfilled potential. Two shows a night for 18 months straight. We had to work, to learn, to get good enough to get work. -Seinfield Your only 64, thats a long time to live without any money. (Still young) Food is Essential to Life, Therefore, Make it Good. -S. Truett Cathy I got a great deal on something I didn't need, which by definition is not a great deal. Paul made tents. Translation...get a job. Q: I was just wondering how much control we can have? [Over our kids] A: Lots if your furnishing shelter. That's a pretty big carrot. A lifelong friend is someone you haven't loaned money yet. All it takes is a nice car or a nice house to take your disposable income down to everyone else's and your living paycheck to paycheck. This money stuff screws with our relationships doesn't it. (with Martin you have $5 for a basketball game, $10 for a dinner, gas to and from the airport, food, etc, it adds up) The American dream as we have been sold it is a path to slavery. If you have a car and a house payment that match your income then your headed right towards slavery. It [the budget] doesn't get off budget, you get off budget. You live in America where stupid people can make a living. You'd rather have [your husband] make less money and have it be steady. That plan you are using...How's that working for you? doctors and lawyers are so smart, so educated....and so broke. He has no money and he has no character. You found a parasite kiddo, move on. I am so impressed with you, except for your choice in men. Have you ever met an ambitious pot head? The only hard work he does, is avoiding hard work. You can not microwave wealth. Wealth is a crockpot. Adversity causes some men to break and other men to break records. I get thank-you notes from people I have fired. No one makes good decisions when they are afraid or drunk. We have got 310 people who work like 700 people. I met with attorneys to see where I stand with the law. Not necessarily to sue someone. Would you borrow money to buy more furniture? By not paying your loan off that is essentially what you are doing. Would you borrow money to buy an iPad? By not paying your loan off that is essentially what you are doing. That's not an investment, my investments go up. If you leave exercise and healthy eating to chance, it's not going to happen." -Milton Stokes Doing a budget is always a nuisance, but so is being broke and borrowing money from your ex. START MAKING YOUR WIFE'S CONCERNS YOUR OWN. !!!!!!!!!!!!!!!!!!!!!! The reason they check your receipt at Sam's Club is to make sure you spent at least $200. You fought to keep the FICO boat afloat, and you sunk. Be able to read the menu left to right. (see what you want and then look at the price) My wife calls my ideas Scheming and Scamming. The quality of a leader is reflected in the standards they set for themselves. --Ray Kroc It's almost as if your excellence challenges their mediocrity. --Dave Ramsey Bureaurcrats manage with processes. Entreleaders manage with principles. Principles are not taught, they are caught. When they ask debit or credit, I whisper "credit" You don't invest with borrowed money, because it bites twice, it bites when you lose money and it bites again when you have to pay it off. I am a guy who brings a product to the market for a profit everyday. Wealthy people are almost always patient. I don't like it at all, but it is one of the required ingredients in the recipe. Turning your mother in law in for identify theft would cause a conflict... but so does her stealing money from you. The only security is your ability to get up, leave the cave, kill something and drag it home. Now we are really 'CHASE'ing something that matters. high side ratio: everything to income low side ratio: just the house to income Full-coverage insurance because just because its paid for doesn't mean you got an extra $15,000 laying around. High deductibles keep the premiums down. Put a bow on this section of your life. (finish your degree, pay off the car loan, pay off the student loans, be done with it) I can tell you what Dave and Sharon would do. We'd rent something cheap and save like crazy and pay cash for a little brick and mortar starter home, not a mobile home. "They were not only gifted, but they worked extraordinarily hard," he said. "They put in hours, and hours and hours. There are many gifted people, who without work and application of those gifts, get passed up by people who work very hard." "Give your dreams all you've got and you'll be amazed at the energy that comes out of you." - William James I've become a good leader, it just took a couple of decades. People who are driven to excel have this unconscious propensity to underinvest in their families and overinvest in their careers even though intimate and loving relationships with their families are the most powerful and enduring source of happiness. --Clayton Christensen http://hbr.org/2010/07/how-will-you-measure-your-life/ar/pr Mom produces serious economic benefit. Get life insurance on your wife of $400,000. I've concluded that the metric by which God will assess my life isn't dollars but the individual people whose lives I've touched. --Clayton Christensen Don't bring your smartphone on a date with your wife. Put them in business for themselves mathematically, but not legally. Getting out of debt like crazy is not a pleasant experience, but it does work. The deeper you will sacrifice the faster you will become wealthy. He has a lousy salary, but he makes a great income. (low base pay, high commission jobs at Dave Ramsey's office) The guy who rode in on a $1,000 bike had as much fun as the guy riding in on a $10,000 bike and when its raining they're equally as miserable. Pay cash for toys if you want to be a rich man. You need a financial plan that works in down economies and up economies. Children do what feels good, adults devise a plan and follow it and end up feeling better. Leaders are not born they are grown. Books are one of the ways I have gotten to where I am. The average millionaire reads books. We use a $5 bill for a bookmark. I am not going to spend my life being a rat in a wheel. Run run run and get nowhere. That's one of the whys. What would it be like to be free? Dream a little. Later you can live like no one else. There is a price that has to be paid to get from here to there. For that much manure, something has to be growing somewhere. one hat, as your boss, "You are fired." as a father, "I just heard you lost your job, how can I help?" Start handling your life in God's way and you will immediately start seeing results. Just because you didn't know the speed limit, doesn't mean you aren't getting a ticket. If you will deny yourself, you can have anything you want. Books are some of the best investments you can make. Pursue your dreams in such a way that they don't become a nightmare. Having a big FICO score doesn't mean you are winning financially. In fact it often has a negative correlation to winning financially. If the newness of stuff is what funds your happiness, your life will forever be empty. --Rachel Cruze You can buy a big car that will hold kids for $10,000. Broke people don't take many people to court. 4 things to teach kids/people about money 1. Work 2. Save 3. Give 4. Spend wisely 3 kinds of chores 1. love your mom and scared of your dad (acts of love) (don't do, you get punished) 2. special projects 3. chores created and attached money to (do the chores-get paid, don't do, don't get paid) You are making $140,000 and spending like you are making $200,000. "I've learned that everyone wants to live on top of the mountain, but all the happiness and growth occurs while climbing it." Andy Rooney Education is a better investment than stock or a Roth-IRA. I am the tortoise and everytime I read the book, the tortoise wins. Slow and steady wins the race. You want to know who is broke on the construction site? The guy with the nicest truck. Business done well is a life lived well. When you finance your mistakes, you magnify them. Are you bored with life? Then throw yourself into some work you believe in with all your heart, live for it, die for it, and you will find happiness that you had thought could never be yours. --Dale Carnegie I survive 90% of my bad ideas and make profit off the other 10%. The people serving the high end are more recession proof. The good news is they're in church, the bad news is sometimes there are idiots in church. I know some people with 8 figure companies with 8 figure expenses. "We have been in business in 30 years" (and your business is about to go broke) 3 to 5 times net profits after managers are paid. I am a giver, but my first gift is to my wife and my children. We are going to say thank you in a way that you can count in your wallet. Take a percentage of the profits and earmark it for the team. Split it into an HR fund and profit sharing fund. People that make our lives better are business owners. Being in business is a holy endeavor. treat as good as gold, whats best for client, 80,000 offering $10,000 solution. multiple interviews. talent not as important as chemistry. It is like God says, "oh look, that one has a clue now. Here is some more money." For me worry is a sin. I identify the perfect world and then go get it. Because you can always spend more than you make, you must develop a power over purchase and have a plan. Take the bad now, to have a great future. There is no passion to be found playing small - in settling for a life that is less than the one you are capable of living. --Nelson Mandela I want to learn at the feet of the Master. Go work for free. You become friends with people and they see your excellence. And then you are first on their list when a paying job comes up. Go in there like a servant. "What we have learned from others becomes our own reflection." - Ralph Waldo Emerson Fire bullets and then fire cannon balls. Try things out on a small basis first. This is a business transaction its got to work before it works. I don't think a dental degree is worth $400,000. -Dave Ramsey Anytime we want to increase our profits for the quarterlies...and you axe people and treat them like units of production and you don't treat them like human beings with dreams, fears and children. Was I going to do it by the scriptures, or was I going to do it like everyone else does it? The diligent prosper. Part of your success is because you have been working like you are a maniac. It's not just business, this is our lives, this is who we are. If you work for minimum wage from age 20 to age 70 you are by definition a loser. Let your career flow out of your passions and creativity. By sacrificing the little things, we have been able to live better and dream better. It frees your brain up to think a different way doesn't it? It's not the $5,000 [insurance] bill that scares me, its the $500,000 bill that scares me. You don't have to have a mortgage? That never occurred to me. If you're home, be home. Wherever you are be there. Perfection is Expected, Excellence will be Tolerated. (QA guy SLC International Airport) Maybe we need to arrange our lives to where we aren't relying on other people so much. I don't finance toys. That's how I live. Sacrifice to win. There is not a government program to fix your life. The next time you are getting ready to buy something with a friend. Don't. Your husband is a really really nice guy with no ability to say no. When you get married you have to be willing to take a bullet for your wife. I don't want your finances, I want your heart. So your not qualified to marry me yet. A car is a wealth defeating item. Nobody makes 6 figures without working your butt off somewhere down the line. I love them so much I am going to do for them what's right for them. There is nothing I want bad enough to go into debt for. Many of the things that are best for you in the long run are a pain in the butt in the short term. (dental school, paying cash for a home) When I added up the interest we were paying every month I couldn't believe it. The answer is always no if you don't ask. When your spirit leaves, you should take your body with you. (when you just aren't feeling it anymore at a job) Once I got to where I could by any car I wanted, it didn't matter to me anymore. Once it doesn't matter, it doesn't matter. We are a society that collects stuff. I've never studied the Bible harder than when I am leading the class. The discipline comes from the passion. Oh, so its the acquisition of degrees, rather than application of the knowledge. Instead of a rental house or a yacht, I am going to buy a PhD. We love you, our love for you is not diminished, but our respect for your intellect has. If I get laid off, I am going to go try to double my income. You got to get rid of the payments. I figured if I made enough, I wouldn't have to be organized. The secrets of the rich is that there are no secrets. If your not willing to pay cash for it don't buy it. Tax values don't mean anything. Look at Comps. They have no problem raising values...have a hard time bringing them down. PITI Working hard for something we don't care about is called stress; working hard for something we love is called passion. -Simon Sinek If you wouldn't buy it again today for what you could sell it for, than you should sell it. Jesus said that where your treasure is, there is your heart also and we need our hearts knit together. [hence get a joint checking account] (Spending some serious money on having children, labor and delivery, diapers, food, etc) This guy has fanatical levels of integrity. People who have high levels of integrity have a higher probability of winning, it just takes awhile. You don't need to worship at the altar of the credit bureau. You want something you can't afford. Got you past diapers, you are on your own Bubba. (kidding) It's really cold out there in real world, making minimum wage. (leverage over teenageers) If you work like no one else, later you get to work like no one else. Pay it forward, don't pay it back. One of the deals for getting control of your money, is growing up. Patience is bitter but its fruit is sweet. --Jean-Jacques Rousseau There is no such thing as a rich addict. Eventually 100% of them go broke. There is no way to manage insanity. Just because the mortgage company says its a good idea, doesn't mean it is one. If you manage well, you are given more to manage. The Dave Ramsey Show: Common Sense Biblically Based Financial Advice When you do stupid stuff, you don't prosper. The heck with cheese, let me out of the trap. (I'm done with credit cards) (the heck with the airline miles, I'm sick of overspending and paying interest and remembering to pay the bill every month) I have a lakehouse and it is my favorite place on the planet. And whatsoever ye do, do it heartily, as to the Lord, and not unto men -Colossians 3:23 What if you did all your work as if you were working for God? It's why you do it. Scrimped and Saved and Clawed for 4.5 years to buy the 6 million dollar building. (have to do a similar thing to pay cash for a house) Here's an idea, balance your checkbook, dont write checks that wont clear your bank. When going into pay off our mortgage, the mortgage clerk was dumbfounded and said, "what?" you are paying your mortgage completley off? I have only seen that happen like once or twice in the 25 years I have worked here. If you do the stuff I teach you should have $500,000 saved up for your retirement. -Dave A business that breaks even is a hobby. Dave Ramsey has been a real estate broker for over 30 years. To fund your kids college put the money in an ESA. The first $2,000. I have learned that if you keep making small progress towards things, eventually you get there. Invest 3% of your income in yourself. --Brian Tracy Invest $250 a month in yourself. --Dan Miller (books, lynda.com, seminars) I don't boat, bowl, fish or golf...I buy books. I happen to be very committed to personal development. --Dan Miller If only I knew then what I do now. If you look past Friday, you can see all kinds of things. I grew up in weird neighborhood where some kids shared a bedroom. "One dollar invested at age 25 at a 7 percent rate of return, if we're calculating a 7 percent rate of return of interest on that money, is actually worth $8 invested at age 55." Lord, help me run to something...not just from something. People don't accidentally save 70 grand. The 27 year old version of you is going to hate you. -Rachel Cruze $25,000 emergency fund. It is worth every no that you tell yourself. -Dave Ramsey Listener I am not mean about it, but I am extremely tough. I don't have to cuss or swear. Real world heroes are always servants. The trouble with life in the fast lane is that you get to the other end in an awful hurry. -John Jensen (Larry H. Miller could have used this one) Happy happy loan. happy if they pay, happy if they don't. Are 'We The People' EVER going to live on less than we make? $1300 house payment on a 50k is tough to begin with. Is it okay to buy wants? Say yes. (If you have saved for them and buy them with cash) Focused Intensity over Time multiplied by God. -- Secrets to Life are hidden behind cliches Money, Inlaws, Children, Religion for healthy marriages. You got to be a warrior to start a business. (Amen) We have allowed them to not go win. (Enabling lazy people (It's always the nicest people in the world) (Defining help wrong) A little desperation is good for the soul. (kick Freddy and Ted out of their houses) If you are restless pay attention to it. Do something to change the situation. Anyone who stops learning is old, whether at twenty or eighty. Anyone who keeps learning stays young. The greatest thing in life is to keep your mind young. --Henry Ford The most important thing in communication is to hear what isn't being said. -Peter Drucker Debt adds two things to your life: 1. Risk. 2. Robs us of our ability to build wealth. It's hard out in the marketplace to win. Everything is a dog fight. Perserverance comes from passion. The dollar is not a priority in my life, what the dollar will do is a priority in my life. Yes home loan rates are low, which is good for people who want to borrow, but its horrible for those who want to lend make a return on their money. Make as much as you can for your boss and they will notice and they will pay you more. There is a release that you didn't know had something stuck up there when you get debt free. (neck pain? canker sores? stress?) 1 Timothy 6:6-8 -- godliness with contentment is great gain "When we think of work, we think of work as an act of service, as an act of love for humanity," said Rosenstein, 28. Added Moskovitz: "If we were just retired, we wouldn't be serving anyone." Build a car replacement fund. What sets them apart, they acknowledge, is their absolute freedom to pursue their particular vision of how to change the world. And they seem to have no doubt that their software will do just that. After all, as some of Facebook's earliest engineers, they've seen their code change the world once already. https://www.dailyherald.com/article/20120429/business/704299833/ Don't become a landlord by default and by impatience. Dave has more money in real estate than in mutual funds. Why don't you destroy a $12,000 truck instead of a $20,000 truck. --Good Point. "If you want to live a happy life, tie it to a goal, not to people or things." --Albert Einstein What we fear the most, we value the most. What we fear the most we trust God on the least. -Craig Groshel, Soul Detox Why am I on the planet? Disgust and resolve are two of the great emotions that lead to change. -Jim Rohn We have normalized a lifestyle that is so high (nice cars, AC, heater, internet, tv, dishwasher, indoor plumbing, etc, etc ) that they think it is a right. Mom and Dad....cut them off and let them meet reality. It will be the best thing that ever happened to them. Begin with the end in mind. (large amounts of passive income coming in every month) Baby Step 7 Example: 10% Tithing, 40% Taxes, 35% Investing, 10% more giving, 5% more fun. "Hunt enough rabbits that you are never hungry hunting elephants." (don't quit your day job?) (be content with the little wins (accounts) while you are trying for the big wins (accounts)) "Thoroughbred horses don't like working with donkeys, and donkeys don't like working with thoroughbreds." "Recognize GREAT effort. Appreciate EVERY effort." -Chris Hogan "Look for a situation in which your work will give you as much happiness as your spare time." - Edward L. Bernays http://www.lds.org/scriptures/nt/1-tim/5.18?lang=eng don't muzzle the ox You go where you look. (water skiing) The work is behind you, and the ride is before you. That's what I call the pinnacle point. When your investments make more money per year than you do at your job. I don't own any Certificates of Deposit. I do not own a single single stock. Nothing is more common than unfulfilled potential. You can't buy relationships, a good marriage, good kids or health with money. It's real simple, I pay for it in cash and then I am done. No is a complete sentence. Maturity doesn't come with age; it comes with acceptance of responsibility." ~Ed Cole I like to hang out with people who have done things I haven't done, so that I can learn from them. Only 300 billionaires in the country. 1. Keep the giving spirit if you want to win. 2. Tortoise & Hair You got a few less money fights if you got $6 million bucks. An athlete does not enjoy the pain of training; an athlete enjoys the results of having trained. D ominant -- driving, LION, task oriented, solving problems, get stuff done I nfluence -- party for a place to happen, an OTTER, people, outgoing, impulsive, lose sight of the task, S stable -- amiable, stable, loyal, GOLDEN RETRIEVER, not like conflict, understanding, low profile, seem unenthusiastic C ompliant- BEAVER, analytics, detail people, rigid, procedures, melancholy, rules are what matter, really glad you are giving us steps Take someone that works there to lunch. used a different approach I thought chicken soup for the dave ramsey listeners soul When you get home from work stay away from the tv and computer. the Lord gives to those he loves while they sleep "Simply put: we don't build services to make money; we make money to build better services," wrote Zuckerberg in his letter to prospective shareholders. "And we think this is a good way to build something. These days I think more and more people want to use services from companies that believe in something beyond simply maximizing profits." How do I get him on board. You just tell him. Well he is 20. Well he can move out then. How many things could we buy if we were debt free? Most people dying to buy real estate buy too much. Three little bear cubs in one bedroom is not the end of the world. (That's exactly what I will have....three bear cubs.) Books change your life. My student loan payment is larger than most peoples' mortgages. --Newly Minted Lawyer You are going to be blown away when you don't have a single payment in the world, not even a mortgage. That is so whacked! I would be there by the close of business, kiddo. Giving ends up being one of the principles of wealth building. 'What kind of service can I provide? What kind of positive difference can I make in the lives of others?' If you work every day to live an answer to that question, then you will be stronger Next time you want to buy a car....you can't. A Master's degree is a luxury. It's a want. Pay for it with cash. (A Dodge Viper is a luxury (duh) if you want it, pay for it with cash) Perfectionism is the mother of procrastination. What gives you energy? Gather a bouquet of flowers with those that are already in reach. (window business, internet marketing) If you work while you are at work, it makes you unusual. The core of business success is service. Most people who do get rich quickly, don't keep it. (i.e win the lottery) He doesn't need a mother, he needs a wife. Dave says term life insurance costs $40-50 a month. If God be your partner, make your plans large. I didn't want a 16 year old to think they were in control of their life. A husband's role is to serve in the household. All scanners live with the frustration of knowing that there are so many wonderful options to choose from in life and only limited time to do them all... but your book gives us permission to do just that! What scanners fear more than anything is boredom. Scanners are often attracted to the initial learning curve of a project, but once they've grasped a concept, they get bored and move on to something else. If you love books, you are most likely a scanner. (need to find this quote) (Each book embodies a certain topic that you are interested in) They're always curious to know "what's out there" and love to poke their noses into just about anything. "the only way you can push someone is to the extent of your influence not the extent of your opinion" I would not wait 20 years to pay cash for a house in most cases. Go check your envelope and see if we can go. Some people have chosen to make this the best year of their life while others are complaining that we are in a recession. You get to choose whether you win. If you're not paying for the product, you are the product. (mint.com, gmail, google search, facebook) 40% of Americans have no mortgage. (Although it is rare, it is not as rare as one might think) (retirees, etc) You can make more on rental properties than in mutual funds, but there is more of a hassle factor. (mold, roof, maintenance) $1,000 is not enough, but it was alot more than you had. You can't make people do squat. There have been times I have wanted their success more than they do. The best way to help her is to help her have some problems. I can't afford to replace the heating and air....then you shouldn't be buying a house. Slow down people and quit getting ripped off. I don't think you can outgive God. (Pay tithing on the gross and round up) "Nature does not hurry, yet everything is accomplished." - Lao Tzu (sleep in a little bit, enjoy your meals, take an extra year before MBA, enjoy life, whatever you don't get to in this life, if you have lived it well, you will be able to do in the eternities) The security of a salary is an illusion. (Just ask the tons of people who have been fired from Tomax and even laid off from BYU) Marriage tip: Doing the little things well everyday is worth more than a few bigs things a couple of times a year. (And if you do the little things well, that doesn't mean you can't do the few big things a couple time a year (Valentines Day/Wedding Anniversary)) I have got some money and need to find a business to lose it in. We don't want to be lucky, we want to be wise. If you have the money and you want one, then you can buy it. It's not the top of the ladder that's crowded, it's the bottom. Live with someone else so I can live like no one else. (roommate living situation)(rent out basement) You don't wait for calls, you call people. (small business) When I run I feel God's pleasure. We find no happiness without goals to achieve and obstacles to conquer. -Dr. Maxwell Maltz Psycho-Cybernetics author grateful for challenge of owning a home outright, dental school) The pen is the tongue of the mind. (and you've got a great mind...so get writing) I am on top of this, its not on top of me. You make a lot of money and you have no money. Don't confuse extreme confidence with arrogance. A brand is no longer what a company and their advertising tells consumers it is, a brand is what consumers tell each other it is." We are sitting here talking about paying off your home in 5 years when some people have 7 year car loans. You can't be a parent still holding the bicycle up when they are 14 years old or you are going to look crazy. (let Jet go off the steps in the pool and he ends up holding himself up on the side of the pool....or he takes a dip and I help him out) He was just doing what comes naturally for a 26 year old...which is nothing. (this wont be true of my boys, they will have got all the merit badges) Problem solving is where strength comes from. Work creates money. I'm not pessimistic, I am just wise. No...I am not going to lease a car. Why? Because my calculator works. Some people put walls up, not to keep people out, but to see who cares enough to knock them down." - Socrates Kids aren't that expensive, you're cooking green beans, they can eat some of them. I don't borrow money....EVER. We get all twisted up about money...'cause there's not any. (money fights in marriage) For the next 20 years I am going to invest my life in this...what is that? (programming, window business, dentistry, INTERNET MARKETING !!!!!!!!) or...what I do want to spend my 10,000 hours becoming an expert at? (Live Streamer !) First its 3 people, then its 7. Do what you are designed to do. (the number of people showing up to your events) One of the biggest problems with entrepreneurs is our lack of focus because we are all a little A-D-D. (look at my window cleaning rolodex!) (Window cleaning rolodex I will still do, but I am going to make it every 52 weeks, instead of every single day) Habakuk 2:2 write the vision and make it plain Contentment may be the most powerful financial principle. It allows you to get out debt, save, and help others. It's the small insignificant things that don't seem to matter compounded over time that make the BIG difference! (Save $1,000, 100 times ???) (paying an extra $1,000 on mortgage) The FICO score is a false measure of having won. If there is no struggle, there is no progress. -Frederick Douglass Wealth is a state of mind. Financial Peace is worth more than alot of debt that MIGHT make you some money. You have proven your ability to make money, but you haven't proven that you can keep any of it. There has to be the love in tough love. Surround your child with loving expectations of excellence. Never cosign a loan for any one for any reason at any time ever. Nearly 1 in 2 Americans (46%) die "with virtually no financial assets," or less than $10k (19% w/ $0) -MIT, Dartmouth & Harvard Study (Pathetic) Dave Ramsey lived in 1100 sq ft home with 4 people until he was 16 and a dog too ;) Common Sense is so rare it is almost like having a Super Power. I just want to help more people and occasionally get paid for doing it. I had a projector and a bad suit and set up chairs for 135 people and 4 people showed up. Money must be spiritual, a symbol of service, and it can be made only by serving other people. Money must be spiritual, a symbol of service, and it should only be made by serving other people. That's the problem with a lot of people, he continued, they don't try to do stuff that's never been done before, so they never do anything, but if they try to do it, they find out there's lots of things they can do that have never been done before. Don't cry because it's over. Smile because it happened." "No horse gets anywhere until he is harnessed. No stream or gas drives anything until it is confined. No Niagara is ever turned into light and power until it is tunneled. No life ever grows great until it is focused, dedicated, disciplined." Harry Emerson Fosdick Psalm 37:21 The wicked borroweth, and payeth not again: but the righteous sheweth mercy, and giveth. American formula-- hard work, faith, freedom, opportunity You got tackled, so what, get back up....not every run is for a touchdown. Having money doesn't mean you'll have friends, but if you focus on making friends money will come. The price you pay for good people is worth it. We are all in such a hurry to make our lives what we think as better, bigger house, bigger car, a backyard, but guess what? No one wants to do the work first. They want to have it now and pay for it later. And Pay for it you will! We need to scale back what we want until we have the money to buy it. And the whole time you are working towards it, you can have more than enough and financial peace. It's just a better way to live. Our Heavenly Father is inordinately pleased when we are obsessively and compulsively preoccupied with the needs of others. (especially your wife and kids) I am not smarter than anyone else I just outwork most people. It's hard to find people who won't quit. How to be successful: 1. Talent 2. Hustle 3. Gratitude The greatest use of life is to spend it for something that will outlast it. - William James (Children, etc) You can raise six kids on $75,000, it may be tight, but it can be done. How long has it been since your generosity stunned someone? Let grace unscrooge your heart. He is more interested in making you in his Son's image than in which month you get out of debt. "People rarely succeed unless they have fun in what they are doing." - Dale Carnegie You want to buy a house. You don't NEED to buy a house. It's difficult to beat Santa Claus. --Rush Limbaugh (regarding Obama's policies) My books are so clean that an audit would take 20 minutes. --Dave Ramsey Travel is only glamorous to those who don't do it. "There's no shortage of remarkable ideas, what's missing is the will to execute them." -Seth Godin "It's not what you do once in a while; it's what you do day in and day out that makes the difference." - Jenny Craig "When obstacles arise, you change your direction to reach your goal; you don't change your decision to get there." -Zig Ziglar Simple formula: Work really hard and ALWAYS tell the truth...That beats most folks. When I do something that causes me to lose money I call that stupid tax and it sounds like you signed up for a lot of it. Gentle, but extremely firm. Your living in my property. Mortgages are not forever. (In fact you can blast through one in less than 10 years if you try hard enough) We are going to relax a little bit, but still try to hit some goals after baby step 3. Even if your Master is kind, you still have a master. Who gives away a car? I mean who does that if you're not on a game show? You can completely change people's lives. It's a big deal to not be walking. Giving is an antidote to greed. All you needed was a track and here is a track. The longer and tougher the struggle the more sweet the win. Random acts of kindness is about the most fun you'll ever have. It doesn't take a lot, it just takes some intentionality. You have good jobs, why don't you have a better car? (cause we are freaking paying off our house!!!) Proverbs 21:26 - the righteous give without sparing I went off on a tangent, went chasing a rabbit. I almost caught it. I really do believe there was a baby Jesus. Her life is not better because of her education. It's worse, because of the way she did it. Don't focus on learning at the expense of practice. --Simon Allardice (go build the vending machine app, quit doing hello worlds) "Nothing is really work unless you would rather be doing something else." - James M. Barrie In business, not all growth is good growth. When I lay my head down on the pillow...I go to sleep -- because all of my rentals are paid for. Change your body. Change your life. --Golds Gym Their bodies grew up and we thought their minds did too and we were wrong. If you're unhappy keep your mouth shut until you leave. If your career goes well, you'll continually push yourself into new situations where you feel confused and in-over-your-head. --Dave Hoover Coding is the new literacy. Now we can do what we want to do with money, rather than what we had to do with it. It's just looking at me and its saying: Ramsey, you ugly. (a property he wants to rent) When you don't have any debt, you get to prosper. Normal is broke. They work their butts and have nothing to show for it. (those who are in debt) Cutting expenses is worth more than increasing income. When you make a dollar (or many dollars) you have taxes, tithing, insurance, etc taken from that dollar and you only keep 50% to 70% of it. When you cut an expense, you keep 100% of what you save. (hence the geo metro) THERE ARE ONLY THREE THINGS WOMEN NEED IN LIFE: FOOD, WATER, AND COMPLIMENTS. -CHRIS ROCK It always seems impossible...until it's done!!!! -Nelson Mandela via (Emmanuel Brennes) (Dental School!) Don't give away the mathematical essence of your life (nissan credit, master card, discover card, etc, etc) You need to live your life's goals You need a really good strong life plan. Begin with the end in mind (identify the perfect world and go get it) Feeling lost? Take a dream and convert it into small goals, then start taking the steps to hit those goals. Mozart's 1st masterpiece was composed after he had practiced for 18 years. There aren't any easy shortcuts, Hard work still wins "if your mind can conceive it and your heart can believe it, then you can achieve it." When I run I feel God's pleasure. (Chariots of fire quote) We got to bring more people with us, instead of drag people with us. (on being hard chargers and raising kids too) The economic value a Stay at Home Mom brings to a household is enormous. ($114 for 8 hours of daycare for the 3 boys) Good health is hard to appreciate until you lose it. The average American watches 38 hours of television a week and another 15 hours a week on the internet. If you cut those two out you have plenty of time to be a good dad and put food on the table. Right actions in the future are the best apologies for bad actions of the past. All of your opportunities will come from other people. It's harder to be an adult, but yet it's easier to be an adult (no fun in the present, but its more fun in the long term) Where there's a will, there's a way. TO BE SUCCESSFUL, YOU MUST DECIDE EXACTLY WHAT YOU WANT TO ACCOMPLISH; THEN RESOLVE TO PAY THE PRICE TO GET IT. --BENJAMIN DISRAELI. Financial progress is a marathon and not a sprint. (month in and month out 401(k) contributions) (15 years of paying extra on a home) Saving only happens when you have a goal bigger than your daily desires. (WOW) Be personal with your giving, dont just give it to an institution. (something to that effect) It's one discipline to not spend money you don't have, it's another to not spend money you do have because you are saving for something else. The circus comes every year you know? I know, but childhood only comes but once. You can change your life faster than the market moves. (don't have to buy a house just cause interest rates are low) (get an MBA first) Food cooked in the microwave doesn't taste as good as food cooked in a crockpot. Student loans and mortgages are so big that you just feel like they are never going away...and thats exactly what happens a lot of the time. When are you going to stop spending more than you make? "Right now, today", will steal your life if all you think about is "Right now, today". Treat each person as if it were Jesus himself for that is what he has asked of us. (Matthew 25:40) Thou shalt love. A man can stand anything except a succession of ordinary days. I didn't want to keep up with Joneses, I wanted to be the Joneses. What if you woke up today with only the things you thanked God for yesterday? "It is the man who carefully advances step by step...who is bound to succeed in the greatest degree." - Alexander Graham Bell Instead of wondering when your next vacation is, maybe you should set up a life you don't need to escape from. --Seth Godin Life doesn't have to be so darn hard. It really doesn't. Most people, my past self included, have spent too much time convincing themselves that life has to be hard, a resignation to 9-to-5 drudgery in exchange for (sometimes) relaxing weekends and the occasional keep-it-short-or-get-fired vacation. --Timothy Ferriss An entrepreneur in the purer sense as first coined by French economist J. B. Say in 1800 one who shifts economic resources out of an area of lower and into an area of higher yield. A day job is a cash cow we need but don't want. I put you in this situation, lets talk about the individual people whose lives you blessed. -Clay Christensen But making other people happy is a super incentive. I'm inviting you to have a taste of it. If you like it you'll make your own decision. I tasted it and I found it an exciting thing to do --more exciting than making money. --Muhammad Yunus It's pretty valuable to be able to set your own schedule. Yeah, it's called freedom. It's a pretty neat thing. --Jeff Gordon Our HR handbook says 'Treat other people how you would want to be treated' Fortune favors the brave. Money is a mirror that reflects our personal strengths and weaknesses with amazing clarity. -Dave Ramsey Not being broke is an amazing thing. "My favorite things in life don't cost any money. It's really clear that the most precious resource we all have is time." Steve Jobs I'm not going to declare it a sell out if there is even one seat left. -DR Self-employment is a major positive correlate of wealth. The opposite of love is indifference, and the opposite of happiness is boredom. Entrepreneurs are willing to work 80 hours a week to avoid working 40 hours a week. ~Lori Greiner, Shark Tank Decide you want it more than you are afraid of it. Create the things you wish existed. If you don't invest in your health, you will invest in your sickness. I deplore debt, and do all I can to avoid it. I would rather live in a tent and eat beans than borrow money to pay for a lifestyle I can't afford. --Mike Rowe "For the first two weeks, I stayed in a Walmart parking lot, which was dark," Reiter said. "It was free; it was very close, but it was not quiet." Neither are his dreams. They are loud, constantly in his head, telling him to just keep going. Be the reason someone smiles today. Say to yourself "I am going to make alot of money at a job I love. If you want to achieve your goal, don't focus on how far you have to go. Only focus on the next step to getting there. Just the next activity. http://mbstories.quora.com/The-Fisherman-and-the-Businessman-a-classic-Brazilian-story Money never made a man happy yet, nor will it. The more a man has, the more he wants. Instead of filling a vacuum, it makes one. Why would self employment be a positive correlate of wealth? Because a self employed person develops the entrepreneurial mindset to go make things happen. Has to think about the bottom line and growth. An employed person exists in what appears to be a safe vacuum where money gets dumped in your account every two weeks. -James (the idea I have is more eloquent than how this came out) I call these people lucky dogs! I sit at their feet and learn how they figured out the blue and found the orange that so perfectly overlaps with the green. A majority of these people, in my experience, are entrepreneurs. But that is not the only path to nirvana. There are other opportunities, no matter how few, where people find a perfect overlap between passion, work, pay. --Avinash Mortgages shouldn't be forever. Whose idea was it to have shelter so expensive that the only way to have one is to spend the bulk of your life's energy paying for it? Wouldn't you rather get your shelter taken care of so you could do other interesting things with your life? Minimum shelter requirements: Space, bathroom, kitchen, stove, fridge. More people have intellect than have wisdom. Wisdom is a rare precious commodity. -DR One good decision usually leads to another. (Run a 5k on the day of Thanksgiving, pretty good chance you wont stuff yourself for Thanksgiving dinner) Leaving a legacy is an enormous amount of work. But what else is there to do? Dave Ramsey's company serves the Nation/World. (Think Big!) (A to B Rentals could serve the USA) Sept 22, 1988 -- Dave Ramsey's bankruptcy date You can still become very successful serving others. Serve with scale. UNHCR estimates that some 3.5 million refugees around the world live in tents, and on average they stay in camps for about 12 years. (What is 4 years of my life to go to Dental School compared to this?) We've already hit the lottery multiple times. Is it not enough? (even being born healthy, american, mormon, poland, byu, debt free, computer programmer, PTO, high priest at 30, 4 healthy boys and a 400K home! and 10K month passive and 50K worth of paid for cars, 50K in savings, $200 an hour PWP business) The instinct to produce great work doesn't require a fancy notebook computer. --Seth Godin "I don't know what I could do with the money. I'd just start another social networking site. I kind of like the one I already have." (when offered $1 billion for facebook) The whiter the bread, the sooner you're dead. When in doubt. Don't. 90% better success for those that do a zero based budget. Accept responsibility for your life. Know that it is you who will get you where you want to go, no one else. -Les Brown A man never discloses his own character so clearly as when he describes another. Jen Paul Richter If you want more money, bring more economic value to the market. Every sinner has a future, every saint has a past. "They didn't call my name, told me it was over. But I've been deaf since I was 3, so I didn't listen. And now I'm here, with a lot of fans in the NFL cheering me on, and I can hear them all." Derrick Coleman Live like no one else will, so you can live like no one else can. Latter-day Saint husbands and wives leave behind their single life and establish their marriage as the first priority in their lives. They allow no other person or interest to have greater priority in their lives than keeping the covenants they have made with God and each other. (Handbook 2) If my dreams came true, what they would be? (be self employed, but not doing manual labor like window cleaning, be rich, have a paid for house, take weeks off at a time) Where you are now, doesn't have to be where you end up. If your going to take my money, you are going to take my advice too. (Teenagers) (haha...and the Church too (welfare situations) (and give us your picture for the ward directory too!) A resume is a digest of compliance. You don't look for work. People come find you. (Scan went out and made it happen) (they hired themselves) Great jobs, world class jobs, jobs people kill for... those jobs don't get filled by people emailing in resumes. Ever. -Seth Godin Everyone has been trained to comply and is waiting to be told what to do. The valuable ones are those that can figure out what to tell other people to do. -Seth Godin Give, Give, Give and then Ask. (Jab, Jab, Jab, Right Hook) Not taking a risk, is a risk. (A to B Rentals) "Where you are born should not dictate your potential as a human being." -- Romo Dallaire I commend to you the virtues of thrift and industry. It is work and thrift that make the family independent -GBH The first two great commandments can be summarized in one word: LOVE. Love is the very essence of the gospel. If you help enough people you don't have to worry about money. Serve in business. So maybe things will change, and even though it's impossible now, I'm going to start getting ready. --Future astronaut (future self driving car expert) "Inside every problem lies an opportunity" - Robert Kiyosaki (rush order on window cleaning, left high and dry by Craig) Whenever you are faced with two choices, choose the harder one. (to make you stronger, more valuable, isys vs marketing???) The only thing you can control in life is your effort. -Mark Cuban It's natural for most people to choose certainty over uncertainty. Fortunately, I am not one of those people. --commenter on Mark Cubans blog "Hard-earned achievement brings a sense of self-worth." D. Todd Christofferson Sacrifice To Win. Your head is a terrible office. Your head is for creating ideas, not for storing them. When you're ready to buy a new home, remember that a bigger house doesn't mean you'll be happier. You'll get the most satisfaction out of living within your means. One easy way to think about ADHD is having a low boredom threshold (no, this is not the cause). Those with the trait become frustrated with routine, whether that includes sitting in a classroom for eight hours a day, or spending time chained to a desk at the office performing routine tasks. http://www.forbes.com/sites/dalearcher/2014/05/14/adhd-the-entrepreneurs-superpower/ Laziness may appear attractive, but it is work that gives satisfaction. --Anne Frank. "The best way to predict your future is to create it." - Abraham Lincoln Nothing moves unless it is shoved. Movement is not natural, it requires energy. Push something today! --Dave Ramsey Hustle in silence, let the success make the noise. "The greatest disability is the inability to love those who are different than you" -Richard Paul Evans In this book, Mark Patey, ADHD, explores lessons learned from interviews with addicts and millionaires, describes their struggles and successes, and explains what you can do to leverage the gift and minimize the curse that is ADHD. Mark Patey is a serial entrepreneur, an owner of multiple businesses, a world record-holding pilot, an internationally recognized speaker, the eccentric neighbor you've always wanted, and a card-carrying ADHDer. ADHD adults are more prone to jump from job to job. You learn what you are meant to do by doing things. Take time to be a dad today. (bike ride, play hide and go seek, backyard camping, power wheels, fix engines, rough house, read books, ipad reading, tennis ball fight, save the chess for later, no tv) Had I never had neck problems, I would have never known the joy of what it feels like to get a "pop" out of my neck. ahhhh, so nice. So relaxing. I just want to go to sleep. Wow. The truth is, the one you marry is The One. That's all. You married them so they are The One. (Choose your love, love your choice.) Life's most persistent and urgent question is, 'What are you doing for others?' Martin Luther King, Jr. An employee's job is to give his or her best work every day. A manager's job is to give the employee a good reason to come back to work tomorrow. There are a thousands of ways to make a living in this world. If you don't like your current way, try another. -JH What you put into your body has an ENORMOUS impact on how you feel. Your body is more sophisticated than a Ferrari, you've got to feed it premium fuel. (just ate a whole bag of toffee :( ) Let water be your drink of choice. -James Hurst It is difficult to find anything more healthy to drink than good cold water, such as flows down to us from springs and snows of our mountains. This is the beverage we should drink. It should be our drink at all times. The more we serve our fellowmen in appropriate ways, the more substance there is to our souls. -President Spencer W. Kimball Boredom: "the desire for desires" You are a true success when you help others become successful. At least for the foreseeable future our country needs to be run like a profitable business. Who better to do that than a level headed honest businessman? (Mitt Romney) If you want a thing bad enough to go out and fight for it, to work day and night for it, to give up your time, your peace and your sleep for it --if all that you dream and scheme is about it, and life seems useless and worthless without it -- if you'll gladly sweat for it and fret for it and plan for it and lose all your terror of the opposition for it -- if you simply go after that thing you want with all of your capacity, strength and sagacity, faith, hope and confidence and stern pertinacity. if neither cold, poverty, famine, nor gout, sickness nor pain, of body and brain, can keep you away from the thing that you want -- if dogged and grim you beseech and beset it, with the help of God, you will get it! ---Les Brown "If you want to look good in front of thousands, you have to outwork thousands in front of nobody..." Damian Lillard Love people, not pleasure. I haven't lost 2 million dollars in the stock market, I haven't sold it for that. -DR I knew God had many cars, but I didn't know God had a new car for me. (DR giving vignette) On money: Whether or not money can buy happiness, it can buy freedom, and that's a big deal. Also, lack of money is very stressful. In almost all ways, having enough money so that you don't stress about paying rent does more to change your wellbeing than having enough money to buy your own jet. Making money is often more fun than spending it, though I personally have never regretted money I've spent on friends, new experiences, saving time, travel, and causes I believe in. (http://qz.com/394713/life-advice-upon-turning-age-30-from-the-president-of-y-combinator/) There is no question of if I can do it, it's only how ugly it'll be. -DR on running a marathon Yeah, we struggle to get a button to sit in the right spot while they are off teaching cars not to hit dogs who dart out into the street. -Trevor Byington (Tomax vs Google Self Driving Cars) Create a deprivation if kids don't work. A self-driving vehicle can pay attention to all of these things in a way that a human physically can't and it never gets tired or distracted. Excellence in the ordinary. Net worth is what you own minus what you owe. The calculation is really easy when you are debt free by the way. ;) When you double the cost of anything, you lower demand. Don't buy a house when your broke. If you aim at nothing you will hit it every time. -Zig Ziglar Don't change your standard of living when you get a raise. (Dave Ramsey Millionaire Hour)

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