Tag Archives: Success

Want To Be Wealthy? Think Like An Immigrant

Today is July 4th, 2012.

In just a few hours those of us in the states will be watching fireworks, celebrating our freedom and the things that make our country wonderful. To be honest though, most of us take our country for granted.

I’ve been blessed to have been a part of numerous church and humanitarian trips to places such as India, Sri Lanka, South Africa, Bolivia, Panama, Spain, Dominican Republic, and Peru. While I’m nervous about the level of immorality in our country, I can say from firsthand experience that the land we live in is incredible.

Simply being American means you automatically have more opportunity than most of the world. Yet it’s so easy to take it for granted. So on a day where we celebrate America, I want to do something a little different and focus on a small segmant of our society that recognize the opportunities this country offers: Immigrants.

The Immigrant Advantage

Did you know that immigrants are 3-4 times more likely to become millionaires than native-born citizens? Were you aware that immigrants comprise 41% of the student population of Ivy League schools, yet only comprise 11% of the population in the U.S?

I read an excellent article by Neil Patel on the mindsets and behaviors of immigrants entitled “Why Immigrants are More Successful Than You.” Neil said it better than I can so I recommend you jump over to his site and give it a read.

What I want to highlight in this post is the issue of Purpose.

Why Are You Here?

If the average immigrant has less connections, less education, less understanding of the culture, and may not even speak the language, but can take the opportunity provided in this country and go from nothing to millions at four times the rate of a native citizen, what is their advantage?


If you ask the average native-born American “why are you here (in America)” you’ll get a blank stare. My assumption is that the common response would be “because I was born here” or “where else would I go?”

But if you ask the average first or even second generation immigrant why they are here they will always have a crystal clear reason. Vince Lombardi (who’s grandparents were immigrants) said that “Success demands singleness of purpose.” Many immigrants are here for a specific purpose and that is what fuels their success.

I believe as Americans we’re numb to the opportunity around us. We’ve taken for granted the freedom we have simply to be able to choose where we work or go to school. We need to learn a lesson from the immigrants among us who have come here to make better lives for themselves.

Somewhere between the apple pie and the fireworks, take a moment today to open your eyes anew to the opportunities we have in America. If needed, recommit yourself to discovering and fulfilling your purpose. You have everything you need right in front of you. Let freedom ring.

Committed to your success,


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Smart Goals 101: You’re Dead Without A Deadline

 Welcome back! This is the final post of our six part series on Smart Goals. If you just joined us, be sure to check out the prior posts (one, two, three, four, & five).

Have you ever heard of Parkinson’s Law? It states that “work expands to fill the time available for its completion.” As a practical example, everyday I shut everything off at 6:00 pm and spend an hour with my daughter before “night-night.”

Right now it’s 5:30 pm…so I have a goal of finishing this post in 30 minutes. I normally take 2-3 hours to write a post. And I guarantee that Parkinson was right – if I had two hours to write this post it would take me two hours.


When you apply this law to goal-setting the application is obvious. If you don’t set a deadline for the completion of your goal you will never complete it.

Urgency is Everything

Having a goal that is Time Bound means that it has a very specific deadline, and if needed, sub-deadlines. A deadline creates urgency. It forces you to stop procrastinating. It creates action – either the action of getting started or the action of changing the deadline because you missed it. Either way you’re working on your goal and that’s better than doing nothing.

Some people refuse to set a deadline on their goals because they don’t know how long it will take them to reach it. Here’s two suggestions I would offer:

1. A wrong deadline is better than no deadline. You have to start somewhere. If you’re stuck in indecision, just pick a deadline and go with it. You can always adjust it as needed.

2. Change your goal so that it has a definite deadline. For example, when our debt hit its peak in August 2009 at $119,000, I had no clue how long it would take us to pay it off. It would have been difficult to set a goal with a specific deadline for being debt free. I could either guess at a deadline (see #1 above), or I could change the goal.

So instead of saying “We will be debt free by _____” our goal was “We will create a budget every month and after tithe and expenses are paid, we will pay 100% of everything left on our debt, starting with the highest interest rate first.” At the beginning of every month I felt the urgency of our goal because we had to take immediate action (sit down and work on our budget together) or we were going to miss our deadline.

Comments & Questions

Setting a deadline is pretty simple stuff, so it doesn’t need a lot of explanation. However, if you’re having any challenges figuring out how to make one of your personal goals a SMART goal, please leave us a comment below. We’d love to help! We respond to 100% of our comments!

Committed to your success,


P.S. Parkinson was right! I finished by 6 with a few minutes to spare. It’s Macey Time!

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Smart Goals 101: The Right Goal at the Right Time

Welcome back! This is part five of our six part series on Smart Goals. If you’re just tuning in, be sure to check out the prior posts (one, two, three, & four).

We live about ten minutes away from Disney World. Minus the constant influx of tourists it’s a pretty cool place to live. I can usually tell what time it is based on when I hear the fireworks at night.

Anyways, at the beginning of the year I set a goal to run the Tower of Terror 10 Miler. It’s an almost half-marathon through Hollywood Studios…at night. Way cool. For years I have wanted to be able to say that I’ve run a marathon, and I saw this as a step towards that.

Who’s Goal Is It?

I don’t hate running, I just don’t like it…at all…ever. One morning in February, while I was diligently forcing myself to run I had a revelation: This isn’t my goal.

I wasn’t training for a marathon because I wanted to run a marathon. I was doing it because I felt like I should do it. Several of the guys at my church that I highly respect have run marathons. Two of my best friends have run marathons. This wasn’t peer pressure…it was just a goal that I gave myself simply because the people I respect have done it, and I wanted to be able to say I had done it as well. In high school you go to parties to fit in…I guess when you get older you have to run marathons.

Once I realized this wasn’t my goal, I stopped pursuing it. I let it go. I still exercise, in fact, Beth and I did a 5k in May, but that was my goal (and much more attainable I might add).

Relevant = the Right Goal at the Right Time

The Right Goal: For a goal to be right, it has to be your goal. It can’t be someone else’s goal for you, not even your spouse’s. For a goal to be relevant means that it connects to YOUR heart. Setting personal goals based on the expectations of others is a recipe for failure.

The Right Time: Never set a goal that isn’t directly related to your purpose for this season of your life (don’t miss that – it’s powerful). Having a goal that’s relevant doesn’t just mean that it’s your goal, but that it’s the right goal for this season of your life. The question here is, “is this the most important goal for me right now?”

A Personal Note About Purpose & Seasons

If I had to say what the one question of my heart has been for the past 20 years, it would be “what is my purpose?” It’s funny…I’ve never been given the answer. At least not in full. But I do get pieces of it, hints here and there. Purpose is like a puzzle. Some people get to see the picture on the front of the box. Others, like me, just get the next piece of the puzzle, along with the promise that God will direct my steps.

Here’s the biggest lesson I’ve had to learn about purpose. You can’t let your lack of understanding the big picture keep you from acting on the pieces of the puzzle that you do have. Like driving a car at night…even though you can’t see the final destination, you turn on the headlights and simply drive as far as you can see. Jesus calls this being faithful in the small things.

If your goal is not relevant to your purpose, whether that is your life purpose, or just the purpose for this season, it is a distraction. That last sentence is worth re-reading, or putting on your wall somewhere. If your goal is not relevant to your purpose it is a distraction.

Comments & Questions

We’re here to help! As you’re working through this series, let us know if you get stuck on figuring out how to make one of your goals a Smart goal. Leave a comment or question below – we respond to 100% of our comments. And remember…if it’s not a Smart goal it’s not a goal.

Committed to your success,


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Smart Goals 101: If You Don’t Believe It, You Won’t Achieve It

If you’re just starting with us, this is part 4 of a 6 part series on Smart Goals. Click here for parts one, two, and three.

The rule of Attainability says that if you don’t really believe you can reach you goal, you never will. It doesn’t say that goals have to be easy, just that they can’t feel impossible for you.

In college I had a goal of having six-pack abs (is there a guy out there who hasn’t had this goal at some point in his life?). I fully believe it is physically possible for me to have a 6-pack, even now. That said, I had to come to grips with the fact that I don’t have enough time or personal discipline to achieve that goal.

I’m too busy with things that are far more important than my own vanity, and I just don’t have the committment needed to reach that goal. Unfortunately for my alter-ego, I had to move “6-Pack” from the goals list back to the “wishes and desires” list.

The Four Criteria of Attainability

1. Is this goal realistic? In 2008, while we had somewhere around $90,000 in debt at that time, I set a goal to be debt-free by September 2009. It was really a prayer more than a goal. At night, Beth & I would pray and ask God to help us be debt free by that date. This wasn’t wrong as a prayer. But as a goal, with our income at the time it was very unattainable.

2. Is this goal believable? I had a friend in high school who decided that he wanted to be an olympic diver. The only problem was that he was already older than most of the people competing in the olympics, he had zero training or experience, and we lived in small-town Missouri with no resources (maybe the “olympic” size pool at the local YMCA?). I feel kind-of bad now because I basically laughed at him when he told me. But…to be fair, was this dream believable?

I want to play pro-football with Tim Tebow, but if I set that as a goal do you think I would really believe that it was going to happen? If you don’t buy-in to your own goal, if you don’t firmly believe that it is possible (not easy, but possible), then your goal does not qualify as being attainable.

3. Is this goal within your control? “Fall In Love” was listed as #9 on the Top Ten New Years Resolutions list for 2012. Can you make someone fall in love with you? I guess it is within your control to fall in love with someone, but can you force the other person to reciprocate it? No way. So does “fall in love” qualify as a Smart Goal? Yeah…not so much.

4. Do you have the resources to achieve this goal? Resources can mean time, money, energy, and discipline. As stated above, my goal of paying off $90,000 in debt in less than a year was not a Smart Goal, because outside of a miracle I did not have the resources to achieve it.

Your Personal Goals Coach

If you have a goal that your working through and want some feedback on how to turn it into a Smart Goal, leave us a comment below (we respond to every comment)! We love helping YOU make the most out of your life, so don’t be shy! And remember, if it’s not a Smart goal it’s not a goal!

Committed to your success,


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Smart Goals 101: You Can’t Master What You Can’t Measure

Welcome back! This is part 3 in our series on SMART Goals. If you haven’t, be sure to read parts one & two.

We’re going to get personal in today’s post! The best way to learn something is to see it modeled, so I’m going to give two recent examples of goals that my wife and I have to show you how to make your goals measurable.

If you can’t measure it, you will never master it.

In the last post we shared the top ten New Year’s Resolutions for 2012, and that only 8% of people who make resolutions keep them. What an incredibly high failure rate!! With 92% of the people failing to reach their goal, do you think they’re doing something wrong? Of course they are.

Let’s take a look at the list again. How many of these goals are measurable? That’s right…zero. With just a little more thought into it, every one of these can be turned into goals that can be measured and tracked, so you can see your progress and how close you are to reaching your goal.

Personal Example: Wesley & Weight Loss

I’ve never really had a weight problem per se, but since finishing college, it’s something that I’ve always been insecure about. After graduating in 2000, the pounds started accumulating; I went from being 185 to hitting a peak of 230 about a year ago. Right now, I’m at a 223.

Weight loss is one of the most common goals that people have, and luckily, it is the easiest to measure (same with financial goals). Here are the steps:

Decide your target weight. Decide the end date. Figure out how much weight you have to lose each day or week to meet your goal (I prefer daily). Then simply track it daily.

I created a spreadsheet on Excel to track this. Every morning the first thing I do is weigh myself, then write down my weight for the day. I can see immediately if I’m on track or not, and doing this every day keeps me very focused on the goal. And I know if I blow it today that I’m going to see the results tomorrow morning, so it is incredibly motivating.

(If you want a custom spreadsheet like this for you, send me an email: wesley@debttolife.com)

Personal Example: Beth & Relationships

If you ask people what they want in life, almost everyone says “to be happy.” Well how do you measure that?

Here’s a similar example of a goal that my wife had, and how we drilled down into the goal and figured out how to make it a SMART goal. At the end of last year, Beth & I were discussing our goals, and one of her’s was to “grow closer in her relationship with God.”

If you have goals that are relational or emotional (be happy, love my spouse more, stop losing my temper, grow closer to my kids, etc.), the key is to ask this question:

What are doing when you ______ (feel happy, love my spouse, feel close to my kids, etc) the most?

Can you measure a feeling with a numerical value? No. But can you measure an activity? YES! So with Beth, I asked, “When you feel the most connected with God, what are the things/activities you are doing?” Her answer was spending time alone with God in the mornings reading her bible, listening to worship music, and reflecting through journaling.

Her answer made the goal crystal clear: “Spend an hour each morning from 7-8 am alone with God.” So instead of focusing on a “feeling” we focused on tangible daily activity, and better yet, I can even help her reach this goal by protecting this time for her.

Some people will avoid this because it feels like it’s making a relationship mechanical, or worse, something that is done out of duty. You just have to push past those thoughts and accept the simple truth that any worthy goal you have in life needs to be  numerically measurable if you really want to achieve it.


We respond to 100% of our comments, questions, and emails. If you have a goal that you’re struggling with how to make it a SMART goal, leave us a comment and we can dialogue with you. I firmly believe most people don’t have goals, they just have wishes and desires, because they fail to make their goals SMART goals. This stuff really is life changing if you practice it consistently.

Committed to your success,


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Smart Goals 101: Why New Year’s Resolutions Fail

(This is part 2 of a six part series. Click here to see part one)

Think back through this past New Year’s Eve. If you’re like me, you probably gave some thought to the past year, and made some mental decisions on how the year ahead was going to be better. It usually looks something like this:

 Start this. Stop that. Be different.

Spend less. Learn more.


The language of New Year’s Resolutions…such poetry right?

You Can’t Hit A Blurry Target

The first rule of SMART goal setting is that your goal has to be specific. If your goal isn’t crystal clear then it’s not a goal, it’s a desire. A study by the University of Scranton Journal of Clinical Psychology stated that only 8% of Americans are successful in achieving their resolutions.

Here’s a list of the top ten goals for 2012 (University of Scranton). If goals have to be specific, can you see why only 8% of New Year’s Resolutions are achieved?

In my opinion, “Quit Smoking” is probably the most specific on the list. I would call the other nine hopes and wishes, not goals. We’ll come back to this list again throughout this series, as it’s such a great example of how the average person sets “goals” and why it doesn’t work.

How To Make Your Goal Specific

The simplest way to make a goal specific is to ask the questions who, what, when, where, and how.

Let’s use finances as an example. If you’re reading this, your goal is likely to be “get debt free.” This goal is somewhat specific and measurable by the fact that it is defined by a specific number ($0 debt). But if you run it through all five questions, you can start to see the power of making a goal specific.

  • What is the goal? To have zero debt
  • Who is responsible for this goal? I am
  • When will this goal be accomplished? December 31st
  • Where (location*) will this goal be accomplished? Not applicable
  • How will this goal be accomplished? Strict budget, extra income

The result is that you take a vague goal of “get debt free” and transformed it into a specific, crystal clear goal: “I  will have zero debt by December 31st by keeping a strict monthly budget and working at least three extra shifts each month.”

*Location may or may not apply. An example of a goal with location would be “I will weigh 145 by my birthday by working out at Gold’s Gym at 7:00 am M-W-F and cutting out all soda and fast-food.”

Why Not “Why?”

You’ll notice that “why?” is not one of the questions to ask when setting your goal. The key to powerful goals is to keep them simple. You can see even in the examples above that it’s easy to get “wordy” on goals, so if you write down the “why” for each goal, then it’s going to be too long and you won’t take the time to review it.

On the flip side, if you don’t have a strong “why” behind each goal then you’re likely to run short on motivation and quit before you accomplish it. My suggestion is to write out all of your reasons for why you’re setting a goal at the beginning of the process (in a journal), and again anytime you feel your motivation waning. Strive for at least 20 reasons why. It’s a powerful exercise when you feel the need to refocus.

If you have a goal where you’re not sure how to make it specific, leave us a comment below and we’ll be glad to help you think through it and make it powerful and motivating for you! We respond to 100% of our comments!

Committed to your success,


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Smart Goals: Why Most People Fail To Reach Their Potential

One of my biggest passions in my life is helping people reach their potential. I love helping people “get a vision” and see what they can become. Because of that, it drives me insane to see people wasting their life.

You can tell just by looking at a crowd of people who has vision. It shows in how they dress, how they carry themselves, and in a large part by how they treat others.

When you understand that you have value, you treat people as valuable. You give more than you take. Have you ever seen someone with a high self-esteem involved in an abusive relationship? I haven’t.

You can also tell who doesn’t have vision or understand purpose. And sadly, this is the majority.

Why the Majority is Mediocre

The first ingredient for success is knowing your purpose. But you can know your purpose and still waste your life. So what does it take to actually fulfill your purpose? Clear goals and daily action.

Who out there hasn’t made a vague wish on New Year’s Eve? Too often, we confuse goals with desires, wishes, and dreams. Goal setting is a skill that you have to develop. But because most people don’t have this skill, they fail to reach the goals they do set. One solution is to just quit setting goals – why put yourself through the frustration if you’re just going to fail? And this is exactly why so many people settle for completely mediocre lives!

The Better Solution: SMART Goals

Are you tired of setting the same goals year after year but failing to reach them? Are you frustrated by your lack of success when you know in the core of your being that you can accomplish so much more? Are you baffled by seeing people with less talent and gifting than you accomplish far more than you? Do you want financial freedom? Do you want your life to matter?

If your answer is not an emphatic “YES!” then you’re in the wrong place.

Over the next two weeks we’re going to swim deep in goal-soup. I’m going to teach you exactly how to set goals, what the difference is between goals and desires, and how to track your progress. Goal setting is a skill that can be learned. And if you want to reach your potential it must become habitual.

We’re going to dedicate one post to each of the five criteria that define a SMART goal:

  • Specific: You can’t hit a fuzzy target
  • Measurable: You can’t master what you can’t measure
  • Attainable: It doesn’t need to be easy, but it has to be possible
  • Relevant: Is this goal married to your purpose right now?
  • Time-Bound: No deadline = No urgency

Apply these five criteria to your goals and combine it with daily action, and I promise that you will see tremendous progress toward reaching your desires. So few people actually do this that this alone will set you apart from 90% of the population. You want to make something out of your life? Track with us for the next two weeks and you will develop the number one skill needed for success.

Committed to your success,


Let’s have some fun in the comments! Add a note about one New Year’s Resolution you made in the past that completely did not meet the SMART goals criteria.

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The Right Recipe for Success

(Before reading this post make sure to read our last post about the wrong recipe for success)

The first step to success is to know what it is. It sounds simple, but ask 10 people what it means and you’ll get a variety of answers. Most replies will focus on money.

So how do you define success? Endless wealth? Satisfying relationships? A career doing what you love? Personally, I don’t think there is a better definition than the one given by John Maxwell: “Success is knowing your purpose in life, growing to reach your maximum potential, and sowing seeds that benefit others.”

Now that it’s defined, how do you get there? I believe this is the right recipe for success:

Clear Purpose + Smart Goals + Daily Action = Success.

 Clear Purpose

I read about a very wealthy businessman who broke down crying at the end of his life, confessing how he would trade all his wealth just to know his purpose. Let me be incredibly clear: You can be wealthy without knowing your purpose, but you will never feel successful unless you have a grip on your purpose.

Smart Goals

Do you have goals? I don’t mean wishes…dreams…desires…I mean goals. Most people can’t even define the difference between a goal and a desire, but the difference is vast. We discuss goals in depth in other posts, but suffice it to say that until you develop a daily (or at least weekly) habit of goal-setting, you will fall short of your true potential. Don’t underestimate the power of goals.

Daily Action

Here’s where the true difference is between the successful and non-successful people. The average American can tell you what happened on Glee the last three weeks but can’t tell you what action they’ve taken towards their goals in the last three months (or years???).

I’m writing this post in a coffee shop in Orlando. We get a lot of retirees in this area, and for about the last hour I’ve been listening to these two gentlemen talk about their retirement. One of them made a statement about how his brother’s pension was 3 times higher than his because his brother had worked longer for the union. He made the following statement, “If I had only invested five more years into the union my pension would be better.”


What if he had invested five years into taking action every day towards his goals instead of working towards someone else’s dreams? He wouldn’t have even needed to quit working…just small focused action every day will yield tremendous results over the course of years.

I’m convinced that most people are stuck in jobs they don’t love, working with people they don’t like, going to bed every night feeling generally like a failure. They don’t pursue their dreams because they either feel like it’s unattainable or don’t believe they have what it takes. Neither are true.

Purpose is like a jigsaw puzzle. Some people get to see the front of the box and they know exactly how the different pieces of their lives fit into the big picture. For me, I get a couple of pieces at a time, just enough to keep moving in the right direction. But the overall picture (the “finished product” of my life) is still hazy. I can move forward with confidence though because I trust that God knows the big picture and is helping me fit the pieces together.

So whether your have the full picture or just a piece of the puzzle, strive to define what your clear purpose is in this season of your life. Set clear goals which act as steps toward your purpose. And take daily action towards those goals. That, my friends, is a recipe for a life well-lived.

Committed to your success,


P.S. We’d love to hear from you! Where are you at in the journey – still figuring out this “purpose” thing, working on goals, or trying to develop the habit of daily action? We respond to 100% of our comments!

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The Wrong Recipe for Success

I heard a speaker several years ago at a men’s retreat describing the mindset of different age groups. He stated that your twenties are full of dreams and idealism, believing that your dream is just around the corner.

As you get into your thirties, you realize you’re no closer to your dream than you were in your twenties and the idealism begins to fade, and the dreamer dies a little. What he said clicked with me.

I used to think that the recipe for success was “Work Hard + Wait for Permission = Success.”

You know the routine….just show up before everyone, work harder and longer than everyone, and eventually someone with authority will notice and they’ll give you permission to succeed, meaning an opportunity or promotion. This isn’t wrong, if your goal is to work up the corporate ladder.

However, it guarantees you will always be working for someone else’s dream and not your own. You also run the risk of climbing the ladder only to find that it was the wrong one.

I held fast to this mindset through my 20’s, thinking it was just a matter of time before someone recognized the gifting inside me and offered me an opportunity. But as I worked my way into my 30’s I discovered that the “waiting game” held no guarantees, and all of the “offers” were into things disconnected from my purpose and passions. In short, I realized that the only person responsible for fulfilling my purpose was me.

Stop Waiting For Permission

I’ve used this picture of the caged lion before…it resonates with me.  I usually use it to show the feeling of being trapped by debt, but that’s not why it resonates with me. I’m sure you’ve been to a zoo and had the experience of seeing these massively powerful creatures, but you can tell that something is missing. Their captivity has killed something inside; there’s no fight in them, no heart.

Do you ever feel like that? Like you know your life was meant to roar but all you can muster is a feeble cry? So you keep waiting. Waiting for someone to unlock the cage. People come and admire you, speak about your power and your beauty, but it’s with a sadness in their voice. Even though they can’t see the bars, they sense the cage. So they make some nice comments and walk on to the next exhibit.

Here’s what you have to understand about success…about fulfilling your potential. No one can do it for you. Not your parents, not your spouse, not even God. Oh, God is so ready to help you, but he won’t do it for you. But what he has done is given you permission. Now it’s up to you. Do you give yourself permission to succeed? I’m not talking yachts and Ferraris…I’m talking purpose and destiny. As Zig Ziglar said, you were “designed for accomplishment, engineered for success, and endowed with the  seeds of greatness.”

Believe me when I say this – the only limits to your success are the ones you place in front of you. Give yourself permission. Remove the limitations. The world needs what you have.

Committed to your success,


We respond to 100% of our comments! How have you limited your success in the past?

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Why You’re Not Successful

Wow…it is crazy to me how much psycho-babble there is about success on the internet. I buy into some of it, namely that most of us limit ourselves because deep down we don’t believe we can or should succeed…but…there is still a LOT of nonsense out there. The challenge with it is that you can end up feeling like you need a therapist to help you fix your subconscious beliefs before you can be successful…it becomes just one more obstacle on your journey.

While beliefs do play a huge role in a person’s success, there is one word that trumps belief every time: Action. You’ve probably heard someone say something like “I didn’t believe it would work, but I tried it anyway and it did!” So if you get stuck trying to figure out what you believe and why (paralysis by analysis), the best way to get unstuck is by simply taking bold action.

Action always trumps belief. Always.

What is the number one reason why most people are not successful? Lack of Focused Action.

There are several reasons why people don’t take action…most of them go back to the issue of belief – they don’t believe they can succeed, don’t believe they are worthy of success, or don’t believe they have any value to offer the world. The rest of them usually center on the word “fear” – fear of failure, fear of the unknown, fear of succeeding then being exposed for who you “really” are, etc.

“Don’t be afraid, only believe.” – Jesus (Mark 5:36)

Fear and unbelief are siamese twins. Whenever you feel afraid you can always ask yourself, “what lie am I believing?” Likewise, if you’re stuck in the quicksand of unbelief, you can usually figure out why by asking “what am I afraid of right now that is causing me to hesitate?”

It’s Never the Right Time

If you ask people why they don’t take action, most will say “I don’t have time.” This is usually a cop-out. The real reasons for not taking action are either because of fear and unbelief, or it simply isn’t a priority. Either way, let’s be honest and give the true reason for our inaction instead of blaming poor time on everything. Now if you catch yourself saying “I don’t have time,” ask yourself how many hours a day the President has…that should bring you back to reality. The issue isn’t time, but priority.

What is one thing you can take action on right now that will get you closer to being debt-free or help you reach your financial or personal goals? Why haven’t you taken that action yet? Identify exactly what the action is that you need to take, and if you can’t do it immediately, schedule it on your calendar for sometime in the next seven days. The only thing separating you from the success you desire is consistent action in the right direction. Take action today.

Committed to your success,


P.S: We respond to 100% of our comments! What are some reasons you’ve given in the past for not taking action? What is one action you need to take right now?

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