Your Surroundings

Imagine I had a very valuable and powerful computer, capable of extraordinary things and able to make me healthy, happy, and wealthy.  What should I do with this incredible machine?  If I asked you who I should have program it for me, who would you recommend?  Should I allow random coworkers, family members, or friends to load whatever content they want into my computer?


Your Incredible Mind

Guess what—you do have a very powerful computer that can get you anything you want in life.  It’s called your brain!  Scientists are continually amazed at the incredible complexity and capability of the human mind.  And, just like a computer, your brain can be programmed.  In fact, your brain is being programmed whether you realize it or not!

The problem with most of us is that we are simply not intentional about what we allow to program our brains.  We often let the foolish words of well-meaning people invade our minds and keep us from growing to the heights we’re capable of.  One may try something great, fail, and accept failure as part of his life.  He then spreads his bile to those around him, discouraging others from pursuing their dreams, simply because he has failed, given up, and accepted defeat.

Filtering What Goes In

You have a choice.  You can spend time around the failure of a man described in the previous paragraph, letting his rotten ideas and programming spoil your mind.  Or, you can intentionally limit your time around such people and develop a filter for the junk ideas they spew.  Turning positively, you can seek out successful people, people who have achieved what you want and are seeking to improve themselves further still, and allow them to speak positive ideas into your mind.

Choose Your Associations Wisely

Success always requires hard work and sacrifice.  You can decide to accept your status quo as it is now and fill your life with distraction and entertainment.  Or, you can get around people who challenge, inspire, and motivate you.  The company you keep and the advice you follow will create the path and future of your life.  Will the path you’re on today lead to a thriving life?

Are You Busy?

We are busy people.  If you’re like most of us these days, you fill your plate to overflowing with activities, work, fun, family, church, sports, and many many other things.  Often, these things bring benefits to our lives, although they can sometimes make us feel overwhelmed.  Worse still, we’re not always too accurate in our estimation of how many hours a new commitment will require, and this can lead to a schedule packed full of activities that might not quite line up with our dreams, desires, and priorities.  Is there any way to gain control of our schedules?


Money and Time

Just as it is with money, time often gets away with us.  Without intentional planning, the loudest cries for our attention get our time and money first, leaving other, more important priorities lacking.  A telltale sign of this is when we fine ourselves saying, “Oh, I’d love to do something like that, but I just don’t have the time!”  It doesn’t take too much reflection to realize how preposterous this statement is.  As if any person is given any more or less than 24 hours each day!  We all make choices each day how we will spend our hours.  It’s ok if you don’t want to prioritize a fitness regimen in your life, but don’t fool yourself by saying you don’t have time to go to the gym.

Be Real with Yourself

Think of it this way:  you, just like the rest of us, have 168 hours each week.  Typically, work will consume something like 45 of them and if you sleep 8 hours a night, that’s another 56.  So, how will you spend the other 67 hours?

Just as with budgeting money, budgeting our time will help us elevate our highest priorities first, and let the things that matter least fill in the gaps.  Instead of spending 24 hours watching TV this week, why not reduce it to 20 and invest those 4 hours into growing your marriage or relationship with another important person in your life?

You Can Have It; Are You Willing to Pay the Price?

It’s pretty easy to fall into the trap of wistfully wishing for things we’d like in our life, but failing to take any action in pursuit of those things.  What do you really want?  Can you make a decision today to spend three hours next week pursuing it?  Maybe all you can do during those three hours is some research.  But guess what?  The following week, you’ll be armed with the info you need to take the next step, then the next one, on and on until you reach the place you want to be.  The journey to success may be long, but what’s that to you—you’ve got time!  😀

Get More of What You Want

What if there were a way that you could have more of the things you want in life? A better car, more time with family, better and more frequent vacations, or anything else you can think of. Would you be willing to make a few changes in your life in order to get these things?


Have You Lost Your Dreams?

Most people are good dreamers when they’re young. We imagine what life could be: the things we’ll do, the places we’ll go, the people we’ll influence. But, as we get older and become part of “the real world,” the temptation surfaces to deny or suppress our dreaming. There are a few big reasons this happens. One, that’s what people around us do. As you know from being a reader of this blog, that’s never a good reason to do anything! But a second reason is that often the practical cost of all the things we’d like to do adds up to a great deal more than we earn in income. This is a real limitation, but I have some good news: it can be overcome in two ways.

Owning Your Priorities

The first way to overcome the gap between what your dream life costs and the money you have available is to eliminate things which are not essential. For example, I may dream of owning a top-of-the line road bike, but don’t currently have the $1,500 in the bank to purchase one. However, owning the bike of my dreams is actually within my reach. I can get the $1,500 I need if I will simply commit to cutting $1,500 from other areas in my life. Maybe I collect $200 by abstaining from buying coffee from Starbucks for a year. I can collect another $300 by canceling cable TV for three months, and get $150 more by selling an old stereo that I never use. What I’m doing here is sacrificing the things that aren’t important to me in order to obtain that which is important to me.

We often let statements like, “I wish I could afford that,” or, “someday I hope to be able to…” come out of our mouths. As in our example above, the fact of the matter is that we can afford the things we’re dreaming about, but we refuse to give up the other things in our life that we need to sacrifice in order to get it.

Instead of Shrinking Your Dreams, Expand Your Income

The long-term way to overcome the gap between the life we imagine and the life we can afford is to develop an asset. One of the best definitions of an asset, especially in the context of what we’re discussing here, is Robert Kiosagi. In his book Rich Dad, Poor Dad, Robert defines an asset as something you own that produces a stream of income for you. By this definition, a house you own and live in isn’t really an asset, because it moreso takes your money, through taxes, interest, and upkeep expenses, than it produces in capital appreciation for you. An asset by Robert’s definition would be ownership in a growing company, a stock or bond, or creating a franchise. What assets do you have currently? What opportunities do you have to develop an asset?

We’ll Show You How

If you don’t know where or how you could begin to create an asset for yourself, you are in the right place! Part of what we do as part of our ThriveMart business is something called, “personal franchising.” We help people to do what we’ve done—start a business that they own without the risks and financial investment typically required to launch a business. Visit our ThriveMart facebook page and send us a message to learn more, and remember what Zig Ziglar says, “you can have anything you want in life if you’ll just help enough other people get what they want!”

The Right Fuel

If you want to feel good, live healthy, and have lots of energy, what should you do?  It won’t surprise you to hear that one of the most important keys to getting this result is your nutrition.  If you put good things in, you’ll get good results.  But the hard part is, what are the right things, and how can you know which plan or philosophy to follow?


Expert, really?

It seems that about one out of every five people walking down the street considers himself to be a “nutrition expert.”  People say things like, “everyone knows you can’t eat after 8 pm or you’ll get fat,” or “too much salt will cause you problems.”  The problem is, as in the examples, there is little if any evidence to support these claims.  Ideas that fall in the “everyone knows that….” category are often inaccurate, and are believed by the masses simply because they are often repeated.

So, what are we getting at here?  First, before you take advice, particularly nutrition advice, examine the credibility of the person talking.  Are they fit and in good health?  If not, ask them to stop sharing their ideas.  Further, once you’ve established credibility of the one offering advice, ask him to provide sources to back up the ideas he recommends.  He himself may be believing certain things based on what others have said, rather that based on research and critical thinking.

Delicious and Beneficial

Ok, finally on to the meat of the matter.  😀  Below I have my personal “nutrition manifesto.”  This is how I eat, giving my body the good fuel it needs without having to live in a nutrition bubble.  While it may not be earth-shattering (vegetables and fruits are good for you), I think it strikes a great balance between practical and beneficial.  Here are the results it’s given me:

Height: 6’0″  Weight: 173#  Waist: 32″  BMI: 23  Body fat: 10%  Blood Pressure:  118/70  Cholesterol: 137  HDL: 47  Chol/HDL: 2.9  Glucose: 84  Hemoglobin: 15.9  Pulse: 58  Max deadlift: 405# Max pullups without stopping: 38  Run 2.3 miles: 15 min  Max squat: 345#  If the person giving you advice has better numbers, disregard my recommendations and follow him.

Nutrition Manifesto

Most important, eat plenty of fruits and vegetables.  Get as many fruits and vegetables of different colors as you can*.  Eat plenty of meat of various types to get enough protein.  Fish is good, eat plenty of it; also nuts, seeds, and eggs.  Drink milk, it’s amazing.  Have healthy convenient food (e.g. meal bars from ThriveMart) on hand so you don’t end up in McDonalds.  You need carbs, so don’t fear grains, but recognize man doesn’t live on bread alone.  Drink coffee excessively, drink wine sparingly.

 *If you’re not getting 2 servings of each color each day, you will benefit from a plant-based supplement like DoubleX—which though not as good as eating the fruits and vegetables themselves—provides these essential nutrients to your body so they can be absorbed, as contrasted with a synthetic vitamin.  See ThriveMart for this and other great products to help you live healthy!

What Are You Pouring In?

In my garden out back of our house, I planted tomato, pepper, and squash plants this spring.  I did not plant only a single seed of each, but many seeds of each type.  What would you think of me if I say I am disappointed today that I have no apple trees, cactus plants, or strawberries growing?  Would you think me foolish?  What if I went further to say that I am frustrated that so many tomato, pepper, and squash plants are growing?  Surely then you’d think me strange, right?


What Are You Growing

While we might think this sort of behavior foolish, we tend quite often to act this way when it comes to what we plant in ourselves.  We desire to have good things happen to us, to have a life full or rich relationships and success, but how can these things grow if they haven’t been planted?  Take this past week for example:  how much time did you spend around positive, excited winners?  Did you learn things directly from leaders or mentors of yours by listening to their wisdom as they poured their experience into you?  If not, how can you expect the plants of success to grow?  There are no seeds to even start with!

Conversely, how much time in the past week have you spent letting negative messages pour into your head?  Have you listened to others around you complain about things they don’t like or blame others for the situations they find themselves in?  Have you spent many hours letting the TV be your teacher?  Are the shows than you watch filled with positive messages of overcoming difficulty through persistence and teamwork, or are they overly-sexualized sitcoms that display selfishness, destruction, or belittling others.  If the latter, what do you think these seeds will grow into within the garden of your mind?

Understand the Connections

Our lives are in much more of our own control than we often realize.  Wise men make the connection between what’s poured into the mind today and the situations we find ourselves in tomorrow. Will you take the step of intentionally pouring in an shielding yourself from the bad?  Put distance between yourself and the habits of the masses, and watch your life of success grow and flourish!

Reaching New Heights Together

Imagine being healthier and fitter than you’ve ever been in your life.  How great would it feel to look the way you want and have a habit of taking good care of your body?  Well today, we’re launching a tool that will help you do just that.

We’ve just added a resource to the recently redesigned ThriveFit page that will help you get plugged into this great community.  By connecting with each other, we can spur each other on and encourage everyone to reach new heights and achieve the results we all want.  Check out this free resource today by choosing ThriveFit from the top menu and selecting Results.  Or, just add to your favorite places (or subscribe via rss). Be sure to register yourself as a user and share your successes with us!


Is Success Once Success?

One day, a little boy decided he wanted to learn to ride a bike.  He found his dad and asked him all about how bicycles worked.  His dad told him all about the history of bicycles, the parts that make up a bicycle, and the technique required to ride one.

Victory!  Or Is It?

The boy and his dad began working diligently on learning to ride the bike.  As the boy practiced, he gradually improved, until one afternoon, his dad released his grip on the back of the seat and the boy rode under his own power for a full block.  Happy and proud, both man and son returned home and parked the bike in the garage.  The bike stayed in it’s spot in the garage all night.  The next day, the bike also stayed in its place.  So too the third day, fourth day, and fifth day.  In fact, the bike stayed put for weeks, followed by months, and then years.  The boy never again took the bike out for a ride, though he walked past it nearly every day.  Now the question: did this boy learn to ride a bike?


Technically, the boy learned all about the bike.  And once, he did manage to ride it a ways.  But did he benefit?  Did anyone benefit?

Assimilate It

You see, you and I are often like that foolish boy.  We undertake a worthy venture, like eating healthier, beginning a fitness regimen, or connecting with God in Scripture and prayer, but we fail to continue and create a permanent habit.  In so doing, we miss out on the benefit of the venture, just as the boy missed out on the joys and benefits of bicycling around his neighborhood.

Today’s the Day!

Can you think of something you know you should be doing, something perhaps that you’ve even successfully done on occasion, but that you’ve never gotten consistent with?  What benefits would you enjoy if you made this behavior a permanent habit in your life?  It could be that the only thing separating you from the greater level of success or achievement that you desire is the simple consistent application of something you already know how to do!  Will you take the steps today to make a new habit for your own success?  Make a commitment, let someone know about it, and enjoy your journey to the top!

Learning Something New

Are you growing?  Not in height, but in your capabilities, your character, your walk with God?  Here’s one way to check:  how often lately have you been frustrated, overwhelmed, and uncomfortable?


Yes Benefits, No Discomfort

It’s a little funny sometimes how we always want to have the capability, the strength, the skill, but we avoid the exact things it takes to develop those parts into us.  I’ve heard it said that the place where success resides is outside your comfort zone.  I think that describes it pretty well.  Have you been there lately?

I’ve been learning what some may think is an odd skill lately, and even though it might not be the most important capability in the world, the experience has been very enlightening.  You probably can’t tell, but this article is being written with a different keyboard than usual.  It’s called the Dvorak keyboard layout, and I encourage you to Google it and learn more about what makes it worth learning.

But keyboards aren’t what we’re talking about:  we’re talking about learning.  And it’s what I learned about learning that can encourage and propel you to success in what’s important to you.  What I learned is this:

Embrace the Stages

Learning involves progressing through four distinct stages.  Only if you persist through the hard times, the times that make you want to quit, will you get to experience the benefits on the other side.  If there’s only one thing you hear from this entire article, let it be this:  you must persist.  When all seems most hopeless, you must hang on—you are so close to a breakthrough!

The four stages of learning are these:  enthusiastic beginner, frustrated learner, capable but lacking confidence, and master.  When I first learned of the Dvorak keyboard layout, I got really excited!  I jumped into an online lesson and flew through it happily.  This enthusiasm lasted a few days…

By the next week I had a few of the letters down, but by no means enough to type at a decent pace.  I used the backspace key like nobody’s business, and it seemed typing three sentences would take me all day.  It was at this point that the thought of giving up entered my mind.  To make matters worse, I told a few friends about what I was doing and how it could benefit them.  Rather than getting excited like I did, they told me that this was a waste of time and not worth the effort.  This was the low point of my Dvorak experience, and only my commitment to learning and growing helped me hold on.

Don’t Give Up!

I’m happy to report that as I persisted, I began to improve and the new style of typing became more and more fun.  Better than that, I began to see some of the lessons I’m describing for you here, and that made me even happier that I stuck with it!  I still have some room to grow before I become a master Dvorak typist, but I’m at a strong pace and am moving forward—taking the lessons I’ve learned and applying them to growth in the areas that matter most.  Will you get out of your comfort zone this week and start learning something new?  Let us know what it is by registering (which is free of course) and posting a comment below!  Thanks for including us on your path to a thriving life!

To Whom Do You Go?

Can you think of a time when you faced a tough decision and were unsure of the proper course?  When posed with two different options and can only choose one, how do you sort out the best way to go?  I believe that the first step is to recognize the value in seeking council. This is natural, isn’t it?  To tell people around what’s going on in your life in order to hear their perspective?  But all too often, I think we apply this good principle of seeking council in a way that may actually hinder us.


What to Do?

Let’s take a common and tangible example of a difficult decision.  Imagine that you own and drive a car that is near the end of its life and not worth too much.  One morning when you attempt to start the car, you get some scary noises and a whole lot of white smoke.  Later that day you get the call from your mechanic:  you need a between $800 and $1,500 of work done.  Now, you’re not sure that your car is worth much more than $2,500 once it’s all fixed, and you’re not sure if it’s worth it to pay for the repairs or not.

Seeking Feedback

What would you do in this situation?  If you’re like most people, you’d probably tell your car story to the nearest 10 people who’ll listen.  Invariably, many of these people will offer advice, and certainly it will be well intentioned.  If you’re thinking of the principle mentioned above, that gaining the perspective of others can be valuable in making decisions, you’re probably happy to get all the feedback.  But there’s one key issue we’ve skipped over that makes the difference between the advice you get yielding you a good situation or a problem on top of your problem.

Qualifications test

The key is the determination of adviser qualification.  Or, put more simply, does the person offering advice know what he’s talking about?  Take a basic idea like the following for instance.  Taking financial advice from broke people is unwise.  Think about that for a second.  Now try this one:  taking marriage advice from a person with an unhealthy marriage is unwise.  Seriously, think about it!

Now, while this may seem so simple and obvious, it’s been my experience (personally, I assure you, as well as by watching others do this) that we often fail to apply such a basic filter before giving people’s suggestions credibility.  Our car repair example above is quite a common case of this illogical behavior.  One will ask everyone around him what to do about the car, and he’ll hear many people say, “oh, just trade it in and get a new car!  You’ll save the money on repairs, and paying a little interest is no big deal.  In fact, have you considered a lease?  Then you could have a really cool car right now!”  All too often, we’ll not only accept these ideas, but will actually factor them into our decision making process and let them influence our choice.  But what is the financial position of the advisers here?  Do they own their own cars?  Do they have an effective budgeting system in place and are they on track for retirement?  Often, No!  They do not!

To Become a Winner, Follow Winners

So, here’s the bottom line.  Does the person offering advice have what I want?  If it’s financial advice I’m seeking, do they have a financial life that I’d like to have?  If it’s spiritual advice, so they have the walk with the Lord that I want?  If it’s fitness and nutrition advice, do they have the physique and energy levels I want?  Run your advisers through this simple filter first, and you’ve avoid many behaviors that lead to the terrible place called average.

Making a Plan That Lasts

Why make a plan  for your money?  Isn’t it more fun to just grab what you want whenever you want it?


Growing Up

Living your financial life with the foresight of a 3rd grader may be fun in the moment, but to have what you want next week and next month, a longer term vision is required.  Problem is, even when people become convinced of the value of budgeting to their peace and financial freedom, their first attempt to make a budget sets them up for failure.

Make it Today, and For Today

If you’re like most people, the first time you sit down to work up a budget for the coming month, you try to create a generic, one-size-fits-all budget that will represent all future months.  You’re planning for the perfect month from heaven, problem is, that month never really happens here in the real world!

The key in building a successful cashflow plan is to spend this month’s income on this month’s expenses.  Some expenses will be nice and consistent, such as your house payment or water bill.  But if you make your budget too generic, it won’t work in real life, and you’ll be tempted to just give up money management altogether.

Get Started

Today’s always the perfect time to start planning your budget for the coming month.  If you haven’t tried the latest version of ThriveWealthy, click the tab above to find the page and download the tool.  Read over the instructions briefly, then start entering your expected paycheck amounts and dates.  Allocate how you’ll spend all of next month’s income in the different categories provided, changing category names as needed to make the budget fit your life.

Enlist Our Help!

Don’t be discouraged when things come up and you have to revisit your allocations several times throughout the month.  As you continue to plan your spending before the money is spent, you’ll improve at predicting your actual expenses, and you’ll also notice that your money will start to be spent on those things that are important to you–with less “falling through the cracks” or getting spent on things that don’t really matter to you.  Feel free to post successes, hardships, or questions to the comments section below; we’re all in this together, and we are all here to help each other thrive!