Where You’re Meant To Be And The Journey To Get There

Life, to me, is a series of events that are pretty much puzzle pieces that you’re handed. It’ll be up to you to piece them all together to form a cohesive portrait.

In my travels, I’ve come across a lot of people who have said that they feel like what they’ve been through is “unfair” or “holds no purpose to who they are”. I beg to disagree. I wholly believe that everything in your life is there to lead you exactly where you’re meant to be. If you’re feeling listless or lost, the moments of your life have led you to exactly that moment: the moment of self-realization.

A city can’t be rebuilt without removing the ruins first. Whenever a person comes to me saying that they feel like they’ve gotten nowhere, I congratulate them. Hear me out. I don’t do that as a flippant or sarcastic response. I wholeheartedly congratulate them because the have realized that they *FEEL* like they haven’t.

This means that they are ready for some much needed self introspection which is pretty much the start of going in a better direction. For example, I met this young lady–we’ll call her Jess–and she came from an affluent family. She was pretty much given the tools that anyone needed in order to make it in this world. However, she often complained that she felt like she wasn’t heading anywhere.

She wasn’t able to hold on to a job long enough and she was fine with it. She said it’s not like she needed the money anyway. She told me that she found comfort in her religion and the belief that eventually she’ll find her place in life. The one place she’s meant to be.

So I asked her “What are you actively doing to get to that place?” and she responded with “I don’t know. I try. I wake up, I find work when I leave my old one. I’m a productive member of society.”

If you’re thinking that Jess is spoiled, you’re right. However, everything she’s going through now is actually part of the journey to get to where she’s meant to be. Yes, all the listlessness, all the lost jobs. Even when it doesn’t quite make sense. Each and every opportunity teaches you something. That something will stay with you even if you don’t quite actively realize it. This is what I told her as well and she couldn’t quite believe what she was hearing.

Fast forward to three years later, Jess is happy as a temp. She realized that she hated being tied to a routine and longed to flit from one experience to another. All the skills she picked up in the many different jobs she held and lost enabled her to be efficient in many other fields.

Upon meeting her again, she thanked me because she said I was right. Every little thing that she went through was ultimately arming her for where she was supposed to be. So if you, my dear reader, feel like you’re in a horrid situation or if you feel inert–if you feel like what you’re going through isn’t helping you for anything down the road, THINK AGAIN.

Everything in your life is there to lead you exactly where you need to be.

One Day or DAY ONE?

I’m sure you’re familiar with the feeling of being aimless. Languidly drifting from day to day without any real sense of purpose. This is often the reality to hundreds of people I come across everyday. What they lack is an anchor to keep them steady and grounded.

What I often say is that this is actually a conscious decision on their part. Yes, that is harsh but reality is often cold and unforgiving. It is ultimately what you do in the face of that reality that will make or break you. Others are content to simply waste away, blaming life or whoever or whatever circumstance for their plight. But the people of real grit and integrity aren’t content to stay that way for long.

It is also a very conscious decision on the part of people to break away from the rut of languidness. If there was anything a lot of people have shared with me, it was always this: “I wish I started long ago.”

Coming to this realization is a breakthrough despite it not really feeling like one. When a person realizes that which they lacked the foresight for, it can be the start of a comeback of epic proportions. Once you know what you wished you did, the question then turns to: What can I do now?

You can either go back to being listless or finally take control of your life. It is, in the end, all up to you. Let me share a story with you to highlight this:

I met Rix over 14 years ago and back then it seemed like he was on top of the world. Good grades, a good job, a steady relationship, you name it, he’s got it. You can even throw in the fact that he takes care of his ailing father. Rix surrounded himself deep within the bubble of this reality without really noticing that he was just going with what was expected of him and not what he actually wanted. He was aimless but thought he wasn’t.

Flash forward to now: Rix is unemployed, has strings of unpleasant relationships, and is trying to move out of his parent’s sphere of control. Everything spiraled out of his hands simply because he let things move on without his active participation. He let other people decide for him and he ended up empowering overly dependent people. His mother utterly refuses to cut the cord despite the fact that Rix is well into his thirties.

Rix and I have had several long talks in which he laments how he wishes he had the power to break away. I told him a simple truth that shocked him: he did have the power for it, he just refused to take it. He was overly terrified that people would no longer view him as “the good son” or “the nice guy”. So in doing so, he allows himself to continue to drift, shaking his fist at the perceived injustices or unfairness of life.

What a lot of people can learn from this is that yes you can feel lost but it ultimately up to you to decide how lost you let yourself become. if you cannot handle something by yourself, reach out. There will always be people who are willing to help you. The important thing is to have an open mind. You will be hearing things that you’d wish you didn’t. No one ever wants to admit that the muck they’re in is their own doing. But it is. It almost always is.

So the task at hand now is: when you’ve realized that you are lost, what do you do now?

Is your breakthrough going to happen one day?
Or are you making today DAY ONE of your new life?

Think about it.

More Practical Self-Improvement Tips For You

It seems that last month’s post was received pretty well. A lot of you messaged and asked for more practical self-improvement tips. Never let it be said that I don’t listen to my readers so here you go!

Today, I’ll be talking about more practical self-improvement tips that you can apply in your life starting today!

Level up a pre-existing skill

Everyone is good at something. This is true even about the most mundane skills that people can do. If you have played video games before especially RPGs, you’ll know the concept of leveling up – gaining experience so you can be better and stronger. As a blogger, I’m constantly leveling up my writing skills. As a speaker, I’m constantly leveling up my public engagement abilities. What skills can you level up?

One of the things that you need to realize is that there is something that’s already good about you. You just need to properly identify it and nurture it well.

Expand your comfort zone

This is one of the trickiest and often hardest self-improvement tips out there. It is, incidentally, one of the most effective ones out there. Real growth comes with hard work and sweat. Being too comfortable doesn’t help us grow – it makes us stagnate. What is your comfort zone? Do you stay in most of the time? Do you keep to your own space when out with other people? Shake your routine up. Do something different. By exposing yourself to a new context, you’re literally growing as you learn to act in new circumstances.

When a person remains inert, that’s when the feelings of being in a rut start to fester. Being proactive about wanting to change and actually doing it is a pretty good way to improve yourself.

Have someone hold you accountable

One of the pitfalls that people don’t see coming is the lack of accountability in sticking to goals. We can always decide to “leave it for later” or to “skip today because I’ll do it tomorrow”. These are the thoughts that often lead to more stagnation.

One of the best ways to fight this from happening is to have someone hold you accountable. Have someone you trust be a part of your self-improvement journey. They can help keep you on track if certain days feel tougher than others.

Trim your friendlist 

While it’s important to have someone who can support you through your self-improvement, it is also equally important to cut out all the negative people in your life. It goes without saying that having negative people in your life is a good way to suck out all the positivity that you’re trying to cultivate.

To keep that from happening to you, it’s important to be critical of who you keep in your company. This doesn’t mean that you should cut out everyone who doesn’t agree with you. There are people who disagree with you because they care. You need to learn to discern the difference between those who add to your growth and those who do not.

Practical Self-Improvement Activities You Can Start Today

In a lot of my travels, I’ve come across people who have voiced the same complaint.

“I feel like I’m in a rut.”
“I don’t like who I am.”
“I don’t know how to change.”

These statements are often followed by the question: “What can I do to be better?”

When I try to list off a few examples of self-improvement activities, it’s often met with complaints like these:

“I don’t have time for that.”
“That requires money I don’t have.”
“I think that’s too hard for me.”

Often, the enemy is indeed time, resources, or capability–this is true. The more common case is that the enemy is the mindset you presently have. While understanding that you may want to change is a crucial step, what you do afterwards is what will set you apart from those who know they have a problem but do nothing about it. Today, let me share with you some pretty practical self-improvement activities:

Wake Up Early

This is one of the simplest ways you can start your self-improvement. If you feel you don’t have enough time in a day with your usual routine, make more time. A lot of people overlook the fact that committing to an early wake up routine takes strength. Keeping hold on your mindset of wanting to change and sticking to an early wake up call in a good way to keep your positive trend consistent.

Read More

Knowledge is indeed power. Arming yourself with this is crucial if you want to be in a better you than you presently are. Broadening one’s mind has always been effective in changing the way we perceive and react to things. A shared concern by a lot of people is that they are presently dissatisfied with the ideas they hold at the moment. There is always the fear of missing out or knowing less than others. A common response is to settle and fester.

When you push beyond what you know now and entertain new ideas (not necessarily accepting them) is an astounding way to improve yourself. Being able to mull new concepts over and deciding for yourself if they’re worth making a part of you is an enjoyable exercise that will empower you completely.

Identify and Stop A Bad Habit 

When you truly want to better yourself, it is important to have a strong idea of what you want to change and what you need to change.

It’s best to really take a good hard look at yourself, warts and all.

Do you watch too much television? Are you spending too much time on social media? Are you eating too much junk food? Do you stay up too late? These are all habits that many of us have been guilty of but weren’t really aware were keeping us from pursuing different paths or from truly exploring our better potentials.

When you locate a bad habit, it’s best to enact clear steps to nip it post haste. When you rid yourself of something that’s been holding you back, you’ll have a better shot at finding out what you can truly make of yourself.

Remember, if you truly want to change–the sooner you start, the sooner you lay the foundation to a better you.

The Little Ways You Rob Yourself of Growth

People are like plants–we need to grow or else we die. It’s a harsh but factual part of our lives. We feel like we’re constantly struggling with seemingly no growth in sight but it is precisely because you are struggling that you are indeed growing. When you go out and see a puddle or a pond, you’ll notice that the water is calm and unmoving. It may seem pretty serene however there’s a large chance that beneath the surface, germs and other bacteria are festering.

Basically that water is dead and other than bacteria and parasites, there’s little else that can grow there. Now visualize rivers and oceans–always in constant motion. These often large bodies of water can seem tumultuous and violent but beneath the surface teems so much life. If anything, this should teach us that just because something looks like it’s struggling doesn’t mean that there’s no progress or growth to be had. In fact, it’s the opposite. If you don’t struggle, you’re already dead.

Today, I want to talk about the various little ways that you may rob yourself of growth. It can be fairly easy to overlook the fact that you may be depriving yourself of growth opportunities.

Hiding behind “I’m busy”

Everyone is busy, in truth. Yet you may notice that other still get to to other things that you may be unable to find time for. Simple things like working out, learning to cook a new recipe, trying out a new food place, meeting up with friends or family–these things that you have passed on because you’re ‘too busy’. When you automatically think something can’t work because it doesn’t fit into your schedule, you’re denying yourself a chance to grow to experience things beyond your structured safe space.

Surrounding yourself with “yes” people

It’s pretty hard to see you’re covered in dirt if you don’t ever peer into a mirror. A mirror is exactly what other people with opinions that may differ from your own are. Mirrors are often unforgiving when it comes to our flaws but that gives us the opportunity to correct the flaw, or at least do something about it. When you surround yourself with people who only ever agree with you, you’re cutting off your opportunity for growth. Hearing dissenting opinions may not be pleasant sometimes but when you limit your sphere to ideas that all support your idea is ultimately more damaging to your health as a person.

Feeding your resentments and regrets

Everyone has baggage–it’s pretty hard not to. However, the biggest difference in some people is that instead of letting go and learning from the experience, they get stuck and continue to stew in the pain and the anger. When a new situation presents itself, instead of looking at it as a fresh start, those who feed their resentments and regrets often outright say no. They say no out of fear of a repeat of a previous experience. While our past experiences should give us some sort of basis for how we act or interact with future situations, it should not be the end all be all for everything. Every situation is different. Whether it be the persons involved or the time when its presented. Ultimately, the only similar variable in the equation is yourself. If you are the same person as you were when you first came across this, there’s a big chance that you’ll end up with the same result.

However, if you are no longer the same person–if you allowed yourself to grow by letting go of your resentment and anger, there’s a 1000% chance of a different ending.

So with that in mind, are you guilty of doing these little things? If you are, I dare say it’s time for a little change, don’t you think?

Kickstarting Your Motivation

I think we can all agree that 2016 whooped a lot of butts. All in all it felt like one nasty turn after another while can understandably leave a lot of people feeling winded or running on empty. As it’s the start of a new year, we’re provided a great new opportunity to start fresh or to continue the progress we’ve already started.

However, when you are feeling a little sluggish on the motivation department, what does the trick? Motivation, by definition, is the general desire or willingness to do something–anything. On the road, I’ve encountered so many people who tell me that their inner spark plug seems to be broken or they can’t seem to get started or their tasks. If you’ve ever found yourself feeling this way, you’re not alone. So today, let me share with you some ideas on how you can kickstart your motivation.

Now first off, give yourself a goal whose progress you can frequently measure. In other words, give yourself a carrot that you can check up on. While you can have an end-goal way off, like getting a new car–it may be difficult to stay motivated if the only measure of success is attaining that car. To help you off, set incremental goals that you can see the progress of. For example, if you’re saving up for anything, set quarterly progress goals. That will give you something a bit closer to aim for and will keep your motivation alive and well.

Next, jot down accomplishments. A constant concern I’ve heard is “I don’t feel like I’m achieving anything, so what’s the point?” One pretty good way I’ve found to fight off this mentality is to list down and keep track of things or tasks you’ve accomplished–no matter how mundane it may seem. It can be as simple as doing the laundry or something brave like going for a run. It’s always easy to discount the little achievements and they can pile up pretty high, if you pay attention. Whenever you feel discouraged or feeling a bit low on motivation, bust out your list and review what you’ve accomplished.

Now to keep the feeling of motivation fresh, spend time learning something new. You don’t have to do anything fancy–the key is simplicity. Read an article on a topic you’re not familiar with or give a film genre you’ve avoided a try. It’s not so much as doing something as you are adding new facets about yourself. When you take steps to grow as a person, you’ll find that your motivation will stretch out and keep going for longer.

This particular tip is quite important so it’s best to pay real good attention: trim out the negative people and things in your life. No matter what positive steps you enact to keep your spark alive, it wouldn’t make any sense to try to light a fire next to a fan. That’s pretty much what negative people will do for you and your motivation. You would be surprised at the sheer improvement that some people I’ve met have had once they snipped off the negative elements in their lives. It could be as simple as cutting back on watching TV or respectfully asking someone to stop dumping their rants on your doorstep. Most people forget that our motivation is primarily linked to our mental health. If there’s a leech on your face, you’d want it off, wouldn’t you?

Finally, take periodic breaks. Life is a marathon, not a race. To be able to keep going, it’s important that you rest when you’re able. Once again, the key is simplicity. You don’t have to splurge to take a break. It can be as simple as curling up in your favorite spot with a comforting drink. It could also just be spending 20 more minutes in bed. It’s that simple.

Doing these things consistently will really do wonders for you and your motivation. So go out there and get started!

Bouncing Back From Failure

Everyone has experienced failure at one point or another. Most people forget that ‘failure’ is not merely limited to the professional cloister of our existence. It can come in unexpected forms from the mundane to the extreme. It is to be noted that regardless of its form or facade, failure and its effects can be felt keenly hours and days and even years from the moment it has happened.

This is why many of us fall into a rut that they have much difficulty recovering from. Reeling from failure can be frightening but it certainly isn’t a truly hopeless situation. Let me share with you some ideas to keep in mind about failure.

Failure is normal. It is a naturally occurring existing in our lives. It should be regarded with guarded welcome and not outright disdain. Hear me out—think of someone you really admire. Now, consider for a moment if they’ve never experienced any sort of failure in their lives, would they have attained your respect or admiration? When you come across anyone who seemingly has never made a mistake, it is they who you should be wary of. There’s a large probability that person is either a phony or someone who never risked anything and stuck within the areas of safe, mild, and tepid.

In my stint as a speaker, I’ve met so many people who have seemingly struck gold, burst into proverbial flames, and came out bigger and better than before. It is adversity that let people truly understand that which they are fully capable of. It is those very people that met with failure that were able to forge themselves into something stronger and more resilient.

If you’re currently in dealing with the aftermath of a failure, the first thing to do is to calm yourself. It certainly isn’t the end of the world, even if it truly feels like it is. The last thing you need, when you’re facing the aftermath of failure, is to be by yourself and indulge in unhelpful thoughts.  Contact your support system—this refers to closest friends or even your family who encourage and cheer you on. Positive reinforcement helps sweep away any counterproductive ideas that you may currently be entertaining. Review the events with your support system. Often, they’ll be able to point out ideas that you may not have thought of at the time. They can also provide an eagle eye view of the situation which is helpful in pointing out details you may have overlooked.

Set a clear goal. Are you planning on trying again? Are you aiming to redirect your attentions to another project? Understanding and clarifying what you want to do next will give you direction and you’ll have a better idea on what you need to do. Focus your energies on the “next”—getting stuck in the past is never conducive to a productive life. At that moment, it would be a much better use of your energies to focus on what you want to do next. The ‘next’ is just as crucial a step as keeping yourself calm or contacting your support system. Keeping your eyes on the prize will help defeat the feeling of failure and will refresh you anew.

The Speech I Gave a Couple Years Back

Specifically referring to Market America, I gave this speech to a group of 150.

I meant every word I said, and it was a great feeling to achieve what I discussed.

  • Most of us work at a job right now, usually 40 or more hours a week. We get up early to go in, we work through lunch, we work at night, and sometimes we even work on weekends.  We have to ask to take vacation time, and sometimes we’re not allowed to.  We’re paid a set amount or have a limit on how much we can make because we’re simply trading our time for money; what are we really worth?  We’re taking direction from someone who may not have our best interest in mind.  We do this every single day, running on this hamster wheel, and it becomes habit so we get used to it and just deal with it.  Have you ever thought about how long you will have to do this for if you make no change?  67/70 years old?  At that point, your youth is gone.  Did you get to do the things you wanted to do?  Spending time with the family, traveling?  You haven’t had that feeling of a summer break since college, so you probably forgot about it.  It’s easy to just go with the flow and let the time slip away, but we don’t have to.
  • We’re in the Unfranchise business. In this business, we have the ability to remove ourselves from that average life that everyone is thrown into by default.  There’s no limit on the money we can make, we can work whatever hours we want, we can take vacation and do whatever we want when we want.  And, we can enjoy life before it’s over.  To get to that point though, the plan requires following the system for 8-15 hours a week.  If you are not making the money you want yet, try tracking the time you spend following the system on a weekly basis.  Do you think you deserve that money you want based on the time you put in?  Everyone is busy and no one feels like doing anything after getting out of work because we’re tired and drained, but we have to in order to make this happen.  And anytime we decide that we just don’t feel like it, we’re cheating ourselves.  We’re business owners.  Every time you feel tired, remember what you’re doing this for – this is for your freedom.  Nothing will compare to the time when you hit your goal and you’re no longer in that 45 year plan.
  • Success vs. Failure. We talk about it all the time – this is a proven system that works in 2-3 years if we follow it.  The people who quit tend to blame their failure on this business.  It wasn’t the business; it was their lack of action and/or refusal to follow the system.  This one ties into leadership.  Everything we do is going to impact our businesses and duplicate, so we have to think about that when we make decisions.  A good example is when you’re about to complain about something.  Keep it to yourself and talk about it constructively with your senior partner later.  Don’t voice it and hurt the attitude of the entire group.  Regarding senior partners – when they give you advice – consider the fact that they’re financially connected to us.  They want us to succeed.  They’ve been doing this longer than we have, and there’s a reason behind what they’re telling us.  Let them help you, and if you don’t understand why they’re saying something, ask them.  Lastly, start thinking proactively – what would my senior partner ask me to do? Or how would my senior partner handle this situation?
  • There are so many divisions, products, services, and tools we can use in this company that we’re paralyzed with information. We want to know everything before we start and we want to plan out our approach to every person we’re going to talk so we can figure out how to get them in.  We have to forget about trying to know everything and trying to make everything perfect.  The company is too large and comes out with too many new things to keep up with all of it. We just need to take action and embrace the chaos.    If you think about it, this business at its core is very simple.  We promote our products, we tell people about the business, and we bring people (teammates and guests) to the events so they can join us in learning and achieving our goals together.
  • If we take action and fail, it’s ok. Learn from your mistake and don’t make the same one next time.  The leaders who are on stage are the ones who failed the most; that’s why they’re succeeding now.

Important Concepts

Leverage – The Dream Builder

You may never have looked at it this way, but while you are working at your job, you are being leveraged.  You have a unique skillset, which is what you were hired for.  That skillset is being used and often abused on a daily basis by someone far above you on the corporate ladder for a specific purpose.  I am assuming that when you started your job, you had dreams – a dream of somewhere you’d like to travel, a dream of someone you’d like to meet, or maybe a dream of a future life that you wish you could have.  Is your job helping you realize that dream or did someone hire you to build theirs?

Maybe it hasn’t hit you yet.  You love work!  You’re accomplishing everything you wanted to accomplish in your life.  You would never compromise those dreams you had just to pay the bills…unless you didn’t know there was another way to take care of that money issue.  I didn’t know either, until a good friend showed me, so I will provide you the same courtesy.  There is a way to achieve your dreams, and it’s by owning your own business.  Don’t give up on your dreams, especially when there is a way to make them a reality.  Just remember, you need leverage.  People work for you, while you enjoy your time. How can you create that for yourself?  Start barnstorming.

Residual – A Concept Few Truly Understand

Look up residual in a thesaurus and you’ll see words like enduring and lasting.  Residual income is what remains when you have put in the time and dedication to build an asset with purpose.  That asset will then provide you with consistent, ongoing income for the rest of your life, whether or not you continue to build it.

A job will never give you residual income.  If you don’t show up, you don’t get paid.  Additionally, you are paid what your employer says you are worth.  If you work 40 hours, you are paid for 40 hours.  Do you want more money?  You could start a second job, or a third, but you only have so many hours in the day.  Think about it – you are trading time for money.  There’s one major problem with that – your time is limited.  We all have the same 24 hours each day.  The question is – how will you use yours?


“Thanks, but I’d rather watch you succeed.”

That is what I hear when someone I’m speaking to is close-minded.  In general, I think it’s very important to keep an open-mind – main reason being that opportunity favors those who do.  People are usually afraid of what they don’t understand.  As I see it, there are two options – prejudge or seek to understand.  I choose the latter; I would rather make an informed decision than a blind one.  If you’re going to judge (which many will), at least wait until after you fully understand something.  If you choose the former, sit back and enjoy the show…you will watch as others succeed around you.

How Bad Do You Want It?

Everyone loves the idea of owning their own business and enjoying the time and financial freedom it would provide, but few will put in the work to make that dream a reality.  Dreams don’t come true without action.  You have to bust your ass.  There will be nights that you come in late and nights that you get no sleep.  You’ll spend money and invest hours upon hours of sweat-equity with a minimal return while your business slowly starts to grow.  People will doubt you because the average person doesn’t have the will-power to push through the challenges and obstacles they will face along the way.  People will judge you and give their opinions of your path, even when you don’t ask for it.  This is why the end result is so good.  Are you going to let someone else determine your success?  Do you really care what they think that much?  If you want to be successful, the answer is no.  Your opinion is the only one that should matter to you.  There is a special feeling reserved only for those that stay the course – freedom, and luck was never a part of it.

Going Global – Social Media’s Potential for Business

Currently, Facebook has over a billion active users.  Right now, you could connect with someone half way around the world and have a conversation.   Would we have been able to do that 20 years ago?  Not a chance.  The extent of your network was limited in the past, but no longer.  Social media is growing at exponential rates as the Internet becomes more easily accessible around the globe.  What can you do to take advantage of that growth?  Look into a business that fully leverages social media.

Diffusion of Innovation

If you’ve ever taken a marketing class, you’ve heard of Everett Rogers’ Diffusion of Innovation Theory.  An innovative mind comes up with a new idea, and the word begins to spread. Every person who learns of this new idea will adopt it at a different rate (if at all), thereby landing in one of the categories below.


Let’s put this into a business context.  If not immediately, the majority of ideas that people create will eventually be monetized for profit.  The people who position themselves ahead of the curve are the ones who make the most money.  Think of the tech bubble in the late 90’s to early 2000’s.  If you had purchased stock in computers back then, you would have been sitting on a beach for the past 14 years.  My point is that the only way to take advantage of an idea is to learn about it early, then GO FOR IT.  Unfortunately, most people will wallow in uncertainty and wait until it’s too late.  Don’t make that mistake.

45 years to freedom?

Only 45 Years Left. Enjoy.

We all know the government is always watching, so it probably won’t surprise you that the Social Security Administration tracks you from the moment you start working until the moment you retire. According to their statistics, 95% of people who reach age 65 will fall into one of 3 categories – (1) still working, (2) living paycheck to paycheck, or (3) dead.

Let’s start with still working – currently representing 5% of the population and growing. These 5 out of 100 people have worked for 45 years of their lives, and they still aren’t done. They will likely continue to work to age 70+ in an attempt to maintain the lifestyle they’ve become accustomed to. Paycheck to Paycheck represents 62% of the population. 62 out of 100 people will have to skip the family vacation, strongly consider cheaper colleges for their kids, and constantly worry about how they would pay the bills if they lost their job. The last category – dead – is the 28% who never made it to 65. Ironically, the leading cause of death among this group is heart attacks, occurring mostly on Monday mornings. I wonder why that could be.

Money isn’t everything, but it’s right up there with breathing in terms of your survival. When you have it, that stress no longer exists for you. This is the feeling that exists among the final 5%. How did they get there you ask? 1 in 4 inherited the money, while the other 3 started a business…and not a small business…a large business – like owning multiple hotels, or a city block worth of real estate.

For those of us who don’t have hundreds of thousands to invest in something like that, there is another option. You can work at a job for 45+ years of your life, or you can work hard for a few years as an entrepreneur and change your place among the statistics. The choice is yours.

This post sponsored by the top tree removal Albany company, Albany Tree & Property Service.