9 Powerful Questions That Will Change Your Financial Life

You’ve probably heard it said that to get to the “right” information, you have to ask the correct question. Makes sense, but when it comes to money, what exactly are the questions?
No matter what the current state of your relationship with the green stuff, there are nine questions that will empower you to be a more secure, confident, self-aware master of your financial fate. Revisit them often to re-tool and update your goals and keep your outlook grounded:

1. What is the role of money in my life?

Money is a tool. For many people, however, there is so much emotion tied up in having money, or the lack thereof, that all aspects of financial life are laden with emotion and fraught with tension. It is extremely difficult to make calm, rational, clear decisions when emotionally saturated, and wealth management is no different.
Before you tackle any other questions, first ask yourself – what role does money play in my life? How much time do you spend thinking about it? Worrying about it? Dreaming about it? When you have thoughts about money, are they tense, frustrated, disappointed thoughts; how do you feel? Do you dread making that monthly budget?
Write it all down in a notebook or on a scrap of paper, and notice how your physical body reacts to your thoughts about money by tensing or relaxing. Commit to noticing how you feel, and working toward being as relaxed and neutral as possible each and every time you think about money.

2. What did my role models teach me about money?

You’ve learned attitudes about everything from politics to personal hygiene from those who raised you, and your attitude about money has also been heavily shaped by those who cared for you during formative years. While you can, and likely will, develop your own approach as you mature, your immediate response to stressful or new situations will be drenched in “what my parents thought.”
Take some time to identify their attitudes so you know on what foundation yours are built – how important was or is money to them? Did they talk about money openly and easily, or is it something secretive? Did they offer an attitude of abundance and gratitude for what they had, or were they constantly seeking more?

3. To what degree does money control my happiness?

Money may not be able to buy happiness outright, but it sure can buy a lot of things that contribute to happiness and well-being. There is always more than can be had, however, and in our modern technologically connected world, it is easy to become acutely aware of what we lack.
Do you wake up with a smile, independent of your financial status? Do you have faith in your ability to work your way out of, and be delivered from, financial troubles? Can you appreciate a gift that is of low monetary value? Are you comfortable giving gifts of low monetary value, if that is what you have to give? Can you enjoy a date arranged on a budget, or a shoe-string vacation, or does everything have to be “five star” for you to have fun? If you lost your job, would you still be able to define yourself?
If your answers lead you to conclude that money is a vital part of your happiness and sense of self, commit some time to figuring out who and what you are, without the dollar signs. You can appreciate and enjoy money and all that you can experience with it without having your financial status become a core part of your identity.

4. How do I react to financial stress, disappointment, or fear?

No matter how much money you have, or don’t have, there will be events that cause you to experience financial stress. There will also be disappointing times when you take a gamble that doesn’t pan out, or when you fear for your ability to provide for a child’s education or an aging parent’s medical needs.
During these times, does your stress take over your life? Do you lash out; do you sabotage what you already have? Or, do you take a deep breath and develop a plan to acquire more resources, get back on track, or whatever action is required? If you are in need of new ways to cope, try turning off the television and avoiding advertisements, all of which compete to rearrange your priorities. Consider your answers to the previous point – what and who are you without money?

5. Do I know what I want?

Once your basic needs of food, shelter, water, and so on are met, what are you earning money for? Be specific about both your current needs – do you want to own a car? Do you dream of being able to provide for a family when it’s time to have one?  Do you reasonably anticipate needs such as children or parental care?  Do you want to share your home with pets?  Are there places on the globe you want to trot around?  Would you enjoy daily life more with more leisure time or if you had more funds for a favorite hobby?
There is no point in earning money simply to earn it – you can’t take it with you when you kick the bucket. So why, exactly, are you earning it?

6. If not, what am I doing to determine what I desire?

You may not have ever paused to think about why you care about money and what you are saving for, and that is entirely understandable. If you don’t know what you want, acknowledge that fact and dedicate time and energy to figuring it out, at what point will you be able to sigh, relax, and say “I have more than enough?”  What does life look and feel like at that point?  Write it down if you need to, or create a vision board.

7. If so, do I expend resources in a way that is aligned with what I desire?

If you are able to clearly and specifically articulate what you desire and believe will transpire when you reach a certain financial point, to what degree are your resources of time and energy aligned with that financial goal? If you are working toward an ambition, are you spending the money you have today in a way that will help you reach that goal?
If, for example, you want to own your own business, do you know what your financial launch point is? Are you spending time educating and preparing yourself to leave the conventional work force? Or are you watching a lot of television, spending money on expensive nights out, and daydreaming more than taking action?

8. Do I know how to budget, plan, strategize, and get to what I desire?

Once you have identified what, exactly, you want, be honest with yourself about how much you do or do not know about how to get there. There are many ways to budget, invest, save, spend, and handle money as there are stars in the sky, and there is always something to be learned about financial management.  Do you know what it will take to reach your financial goal?  If not, what are you doing to better inform and prepare yourself? Are you seeking out mentors, studying online, spending time conducting research in the library, scouting out online forums, attending classes?  There is a way to get to your desired end point, you just have to figure it out.

9. How much, and in what ways, do I give?

Finally, what good are you doing in this world? If you are able to contribute financially to a cause or to help others, are you doing so in a way that reflects your values, morals, and personal areas of interest? If you are not able to contribute financially to a cause, are you sharing your time or wisdom? It’s not all about money, and it’s not all about you; your satisfaction with the human experience will increase exponentially when you give to others.

10 Questions That Will Unlock Your Potential

Do you ever feel like you have the potential to do great things with your life, but just aren’t sure how to start? I know that feeling very well, as it’s taken me years of reflection to figure out what activities make me feel happy and fulfilled. I hope this article will give you a gentle shove in the right direction. Simply answer these ten questions to unlock your potential.

1. If I could write a letter to the 2004 version of myself, what would it say?

Let’s pretend that you are living in the future and have been handed the opportunity to write a letter to the 2004 version of yourself. I’m not going to offer you any further direction as I feel this exercise will be more powerful if I don’t lead you one way or another, but just in case you’re curious, here’s what I would say to the 2004 (17 year-old) version of myself:
Dear Teenage Dan,
You’re feeling a bit nervous right now, but take a deep breath and do the scary thing, because it’ll be worth it. I know the idea of getting on a stage and performing a play in front of everybody in high school makes you feel like fainting, but you’re going to walk away more confident and comfortable in who you are.
Also, congrats on that 30 pounds you lost playing DDR (Dance, Dance, Revolution), but a word of warning: you’re going to go to college, where there is a buffet available 24/7, eat away your feelings, and gain every bit of that back. To save yourself a lot of trouble, I would recommend writing about what you’re dealing with so you can cope with things in a positive way. But hey, even if you don’t, it’s okay, because later you’re going to discover that lifting weights is awesome, and get super strong/built, so no big deal.
Never stop dreaming big, no matter what other people say and think. Yes, listen to feedback from others, but don’t get caught up in any negative opinions that aren’t accompanied with positive input; because without that, it’s a waste of your time.
Oh, I almost forgot… In a couple years, someone is going to offer you your first shot of tequila at a college party. Just because you feel “okay” after that first shot does not mean you should immediately drink four more. I know you’re still young-and-innocent, but just trust me on this one, it’s a very bad idea.
<3 p=""> -Dan from the Future
If you’re feeling brave, tell us what your letter would say in the comments! 

2. If I could only accomplish one thing before I die, what would that be?

Not two, three, or four things: what one thing do you want to achieve, accomplish, or experience more than anything else? Once you figure that out, pursue it with every ounce of hustle you’ve got, because life is too precious for regret.

3. What are the top three things that make me feel happy and fulfilled?

This could be training, coaching or teaching other people; writing books, blogs or articles; spending time with your children, partner or loved ones; enjoying nature activities like hiking, camping or rafting; or maybe you’re a wandering soul who wants to travel to all of the places. Figure out your top three things, and build your schedule around them for a happier existence.

4. What are the top three things that distract me from enjoying my life?

Being interrupted by buzzing, chirping and ringing every time you get a text or call? Turn your phone off unless your children are at school, or you’re expecting a very important call (otherwise it can wait, I promise, voicemail exists for a reason).
So stressed out by your job that you can’t find the energy to think about anything else? Find another one (or even better, start your own biz).
Constantly subjected to a chorus of negative thoughts that make you feel like a failure or loser? See below.

5. Am I in control of my thoughts, or am I at the mercy of them?

If your thoughts are negative and nasty, then you can’t expect your life to be positive and pleasant. Reality is a funny thing, as there isn’t exactly a single one of them, but rather we all live in our own realities that are influenced by our beliefs, thoughts, and ideas. You can’t expect success in life if you keep telling yourself you will never amount to anything, aren’t “good enough”, or don’t deserve to be happy. If you’d like to defeat the Mental Monsters that limit you, this might help.

6. Am I in control of my eating decisions, or am I at the mercy of them?

Just like your thoughts influence your perception of reality, your eating decisions influence your mood and energy levels. Happy, healthy people consciously choose to eat foods that make them feel alert, focus, and energetic. Unhappy, unhealthy people unconsciously allow their mood and social surroundings to dictate their eating decisions. I don’t believe there is any such thing as a “good” or “bad” food, because every person has their own individual needs… but if it makes you feel bad, you probably shouldn’t be eating it. If you’d like to improve your relationship with food, this might be useful. 

7. What strengths did I use to achieve three major goals in my life?

Think about three of the biggest achievements of your life. That could be graduating college, getting a raise or promotion, landing your first “real job,” getting published for the first time, or (insert your thing here). Now, think about what personal strengths you used to achieve those things. See any trends? If so, the road that leads to success is right in front of you.

8. How can I use those strengths more often?

While it is sometimes important to correct a weakness if it causes a significantly negative effect to your performance, it is often much easier and less time-consuming to simply play to your strengths in a way that make your weaknesses completely irrelevant. Write down the strengths you came up with in the question above, put them somewhere you will see them daily, and keep asking yourself, “How can I use those strengths today?”

9. Why should I care what other people think about me?

If you spend all of your days consumed in concerns about what other people think about you, then you’re going to be too stressed out and depressed to take the action necessary for improving your life. It is better to have a small number of true friends you trust, than a large number of phony friends who don’t love and accept you as you are.

10. Why do I exist?

I know that question is a lot to wrap your head around (that just so happens to be why I saved it for the end), but nonetheless, it is something you need to think about. Look at it this way: if a person was giving a speech about you at your funeral, what would you want them to say? Or, if someone was to write a biography about you after your death, what would you hope it would say?

I hope answering these questions helps you unlock your potential for more success in life. I’d love to know how this exercise worked for you, so please tell us in the comments.

 

7 Powerful Questions to Get Unstuck Instantly and Moving Forward Again

“You will never rise above how you see yourself.” – Oprah
What’s holding you back from your desired levels of health, wealth, and happiness?
These 7 powerful questions will help you identify the obstacles and get you unstuck instantly.

1. What do you want?

Example using “Dave.” Dave:
“I want to be happy. I want to make $100K. I want to lose 20 pounds. I want to stop procrastinating.”
The gap from where you are now versus where you want to be creates frustration and inner turmoil. It’s like trying to go from one side of the river to the other side without a bridge. To get unstuck, you need a bridge to get to the other side of the river. That bridge can be you, a friend, a seminar, a book, a coach, a psychotherapist, etc.

2. What would you like to feel as a result of getting what you want?

Dave: “I want to feel alive and happy and live up to my potential. I want to feel deserving, good enough, and not guilty.”
If you feel undeserving, guilty, or not good enough, it means you have acquired faulty negative core beliefs from childhood. You need to uncover the earliest incident that caused you to not feel good enough, etc.

3. Do you have the courage and confidence to go after what you want?

Dave: “No, I keep procrastinating. I’m afraid most of the time. I make excuses. I’m not meeting my sales quota at work. I’ll get fired if I don’t get my act together.”
Lack of confidence and courage means you don’t believe in yourself. Successful people allow themselves to fail because they know eventually they will succeed. To get on the path to success, you must have the courage to take risks to fail and then pick yourself up and do it all over again because success will come after a few failures.
Again, identify the negative core beliefs that hold you back from being courageous and confident.

4. Do you believe you deserve to get what you want?

Dave: “Yes and no. I want it so badly but a part of me says: ‘Who do you think you are? You’re never going to amount to much. Mom always said you’re not as smart as your brother.’”
Beliefs => Thoughts => Feelings => Actions
Dave’s beliefs… “I’m not deserving. I’m worthless. I’m not going to amount to anything.”
These beliefs create thoughts of… “Who do you think you are? You’re not good enough! You’re not meant to make a lot of money.”
Dave’s thoughts create his feelings of… “Ugh. I’m afraid to make the phone call to try to sell to the next customer. I’m a loser.”
Dave’s feelings create his actions of procrastination and the need to soothe his anxiety with unhealthy foods. Procrastinating and eating junk reinforces his original beliefs that he is worthless and not deserving of success and or a fit body.
Dave needs to uncover the original incidents that created his negative beliefs that he is worthless, guilty, and a loser. He needs to overturn those negative beliefs. Then he will believe he deserves health, wealth, and happiness.
Like Dave, you become what you think about – a self-fulfilling prophecy.
What happened to you that caused the negative beliefs that, “I’m not worthy; I’m not lovable; and/or I’m not enough?” Were you bullied at school? Did you feel rejected and unloved when your sister was born because mom didn’t have as much time for you anymore? Did your parents divorce when you were young? These types of events can be the root of why you don’t love yourself unconditionally.

5. What are you afraid of if you succeed? What will not be in alignment?

Dave: “My sales quota will increase. I’ll have to work harder which means I’ll have less time with my kids. My siblings and cousins will make fun of me for being a ‘rich and thin snob.’ I’ll have to buy a new wardrobe if I get fit and I can’t do that because I’m broke. I’m afraid I’ll be teased for eating healthy foods.”
The consequences of success holds Dave back from taking action. He doesn’t want to lose the love of his family and friends and he doesn’t want to empty his wallet to buy new clothes.
We are hard-wired to seek validation through friendship, family, love, and belonging. Dave is stuck because he is afraid he won’t belong anymore if he were to become more successful and fit than the people he hangs out with.
“You are the average of the 5 people you spend the most time with.” – Jim Rohn.
In order to move forward, find a new tribe where you are the smaller fish in a pond of big fishes. The big fishes will support you to grow to their level.
When Dave feels good about himself he will know what he needs to say to his family and friends so that he doesn’t feel abandoned when he achieves success and a fit body.
Dave needs a confidant or coach to get him through this zone of discomfort of finding a new tribe where he feels he belongs.

6. What are you afraid of if you fail?

Dave: “I’ll be humiliated if I fail. It’s easier to keep struggling financially and to keep struggling with my weight. If I lose weight and gain it back and/or make money and then get fired if I can’t keep up with the demands of a better job, my friends will be laugh behind my back and say ‘See. I knew he was going to fail.’”
Most of us have memories of humiliation. Our psyche doesn’t want us to ever experience that pain again. Dave is subconsciously afraid of the painful consequences and that’s why he is stuck.
To overcome fear of failure, you need to visit the parts of you that hold the memories of the original humiliating experiences. Your highest self of today can tell that part that you are lovable and enough. When that part feels heard and unburdens itself of the humiliation, you will no longer be afraid of failing or succeeding.
What humiliating and shameful experiences hold you back from taking the risks to go after what you want?

7. What do you need in order to get what you want?

Dave: “I need to feel that I deserve to make $100K and that I deserve to have a fit body. I need to let go of the negative old tapes I keep playing of my mother and sister criticizing me whenever I try to improve myself. I need to love myself and believe that I can do this.”
If you can’t look in the mirror and say, “I love you. You are awesome. You are beautiful!” you will inevitably sabotage yourself when you try to move forward. That’s why it’s important to find and overturn your negative core beliefs.

How to discover and overturn your negative core beliefs so that you can move forward again.

Dave’s answers showed you that fears drive most of your behaviors. Fears hold you back from expressing your true self and living to your full potential. Fears are likely rooted in negative core beliefs from old hurts that you probably aren’t conscious of.
Maslow’s Hierarchy of Needs shows that Dave is trying to self-actualize (become the best version of him) through skipping the self-esteem stage. He can’t skip self-esteem and go from love/belonging to self-actualization. He will achieve health, wealth, and happiness when he overcomes his low self-esteem.

To get unstuck for good and achieve health, wealth, and happiness, you need to have self-esteem. You will have high self-esteem when you heal the parts of you that hold faulty beliefs such as, “I’m not lovable. I’m not worthy. I’m not enough.”
For example, when you were two-years-old mom brought home your baby sister and she stopped paying attention to you. You took on the belief that “I’m not lovable” because she wasn’t hugging you as much anymore.
Then more rejections happened at school. You were bullied or someone you had a crush on rejected you. Negative experiences like these reinforced the “I’m not lovable” belief you acquired at two-years-old.
In order to heal the “I’m not lovable” belief, be with that two-year-old part of you that is sitting on the floor, desperately waiting for mom to pick you up and hug you. Tell that part that you didn’t get hugs because mom was exhausted caring for the baby. Bring that two-year-old onto your lap and give her hugs and tell her that she is lovable and that she is enough.
Now you have a new image of your two-year-old self. She’s got her arms around you. She’s no longer going to hold you back from your dreams. She’s going to give you the confidence you need to take risks to get to the next level of your life. Because you love yourself now, you will have the confidence and courage to overcome your fears and take risks to get unstuck.
What negative core beliefs are you holding onto that are keeping you stuck? If you identify what they are through the answers to these 7 questions, you will overturn the faulty beliefs, feel better about yourself, and get unstuck instantly and moving forward again.

The Best Answers to the 7 Worst Interview Questions

Interviews can be very discomforting. Of course, the interviewee wants to put forward the best possible answers to even the toughest questions. And answering difficult questions on the fly can be problematic. Fortunately, great answers to troublesome questions can be rehearsed and considered long before that important interview. Here’s how.

1. Tell me about yourself.

Here you want to squeeze in every possible strength and potential contributions you can make to the company without being long-winded. The interviewer is far more interested in how the question is responded to, that is, whether or not the answer is said with sincere enthusiasm. Begin with a quote from a person you admire that sums up what you believe to be true about yourself to answer the question quickly and concisely .
Encapsulate the answer into a one-minute presentation of your professional achievements. Did you have a job that relates to the position you are seeking? Hit the interviewer with your unique achievements and contributions to the company’s bottom line. If there are no comparable jobs in your past, explain why you are interested in the position.

2. Tell me about an instance where you failed or did something you are ashamed of.

Among the many questions that can be asked, this is one of the most dreaded. The fundamental key here is to turn that failure into a success. Take a moment to reflect as if you weren’t expecting the question. Say that as a human being you are as prone to mistakes as anyone else; however you have no regrets—even if you do (and most of us do), don’t admit them. This is not a confessional.
Tell the interviewer that in those instances where you have made a mistake with a coworker, you have admitted your mistake. You went back to the person and apologized and started again. Say that you prefer to keep things out in the open and you, personally, make a point to communicate about any experienced problems on both sides of the table.

3. What is your biggest weakness, that’s really a weakness, and not a secret strength.

This is a gotcha question if there ever was one. No chance here to flip the question to a strength, such as, “I’m a workaholic” or “I tend to take my work home with me.” What to do? Instead, show that you recognize your weaknesses and make every effort to address them. For example, “I tend to be very demanding of others, but I am learning that everyone has their own unique gifts.”
Now is the opportunity to address any gaps in your resume. Tell the interviewer that you may not have direct experience in an area, but related experience such as fund-raising in place of sales experience. Say that in recognition of your weakness at say, public speaking, you have volunteered to come forward in team leadership roles.

4. Have you ever been fired? If so, why?

Refrain from making previous bosses or companies look bad. You come off as being bitter, blaming of others, and irresponsible. None of which you wish to convey to a new company. Make an admission, such as, telling the interviewer that you were inexperienced in communicating with your boss about teamwork. This way you acknowledge what happened and that you learned from the experience.
Say that you simply were not a good fit for the company, and before you had the opportunity to excel, you were let go. Or inform the interviewer that you didn’t fully understand your previous boss’s expectations and you both agreed that it was time to leave. Or, perhaps a new manager came on board and he wanted to bring in member from his old team before getting to know you.

5. Why are you willing to accept an entry level position at this point in your career?

The interviewer can’t or shouldn’t point directly at your age as a reason not to hire you. So the question may be asked in this manner. Tell the interviewer that it is the broad experience outside of the field that makes you the right fit. Your career experiences have prepared you to begin a career again in a brand new field.
Emphasize the quality that you enter the field with fresh new eyes and perspective. This opportunity also provides you with the advantage of learning about the company from the inside-out and the ground up. Tell the interviewer that the salary cut is worth it to you to start anew. Say that your experiences have made you reliable and prepared to go all out in the new position.

6. How do you explain the gaps in your resume?

It’s almost a surprise that this question still comes up. Especially in light of the fact that companies have not been hiring for the last few years or that a person may have taken time to be with young children or an illness may have prevented someone from working. This is a good time to refer to your references—people who can verify that you were perhaps, self-employed for a time or otherwise disengaged.
Be honest, but again, turn the weakness to a strength. Say, “In the time I have been out of the marketplace, I have better honed my skills in communication.” Emphasize that while you have been unemployed you have been far from idle, but have been keeping up with the job market or your profession in other ways.

7. Tell me about a time when a co-worker was not doing their fair share of work. How did you handle the situation.

The way that you have dealt with a difficult co-worker is emblematic of how you deal with difficult people and potentially hard-to-handle customers. Cast the problem in the best possible light by suggesting that the co-worker was dealing with a particularly bad personal situation and that you were glad to step in and help as you were able.
Let the interviewer know that you talked with the co-worker, in order to clear the air and avoid hiding resentment. This clearly shows that you are willing to deal with the difficulty, instead of suffering in silence. The example also clearly exemplifies the fact that you are a people person and willing to work through a very difficult situation.

7 Powerful Questions to Help You Find Your Life Purpose

Do you know your life purpose? Many people earn a decent living, but would define success as much more than money. For many it is also about happiness, positive relationships and the ability to contribute to something you care about.
Here are 7 questions you should ask yourself if you are trying to discover your life purpose.

1. What were you passionate about as a child?

What did you find emotionally fulfilling when you were younger? From writing to building figurines, children are actively encouraged to follow their passions. However, we often stop doing the things we were passionate about as a child. Often this is due to a lack of time, or pressure from society to pursue something that comes with a (often financial) reward.
Consider your childhood passions. Do you still practice your childhood passions? If not, why? Would you still feel passionately about the same things now?

2. If you didn’t have a job, how would you choose to fill those hours?

If you didn’t have to work and you weren’t allowed to stay in the house, how would you choose to spend that time? Where would you go? In the evenings, many people like to relax and unwind. However, unlimited free time often encourages people to fill the time in a productive manner. Write down a few ways you would spend your free time, and then try one out on your next day off.

3. What makes you forget about the world around you?

When you are working on your life purpose, you often completely lose track of time. Often people don’t notice the hours passing by, and can even forget to eat or drink until they have finished. When is the last time you felt this way?

4. What issues do you hold close to your heart?

What topics do you like to read about? Think about what interests you most on the news, online, or in the area you love. From the environment to finding new recipes, many people have passions that even they were unaware of.
If you are unsure, don’t feel disheartened – it can take a while for you to realize what you are passionate about, so spend some free time doing something that you find both enjoyable and productive, and eventually you will discover your life purpose.

5. What kind of conversations do you have with your closest friends?

Most of the time when you are with your loved ones, you only discuss subjects that you actually find interesting and fun. Are there any subjects that you repeatedly bring up to talk about? This is often a great indicator of your life purpose.
As well as the subjects you love to discuss, think about the times your friends have come to you for advice. This shows the areas in which your friends class you as a valuable source of knowledge – it could be something you didn’t even realize you were good at!

6. What is on your bucket list?

What do you want to accomplish before you die? Creating a bucket list is a great way to discover your life purpose, as the list will show you the activities you believe to be important and emotionally fulfilling.

7. If you had a dream, could you make it happen?

Many people have dreams, but choose not to pursue them due to the financial risks or fear of failure. Start thinking about your dream in a more positive light, asking yourself ‘How can I make this happen?’ instead of telling yourself you won’t succeed.
Try to let go of negative thoughts that could hold you back from achieving your life purpose. Instead, try and do something every week that helps you to make your dreams come true.

10 Differences Between Middle Class And Rich People

According to Forbes, the 400 wealthiest Americans have more wealth than the bottom 150 million Americans combined. But what about the people in between? The middle class? You may be considered middle class. You’re not poor, but you’re not rich…yet. The middle class seems to be shrinking, according to the data revealed over the last couple decades. That means you’re going to be less likely to be middle class in the future. You’ll more likely be poor or rich. Which side do you want to be on?
If you want to be on the side with the rich, you’ve got to start thinking like the rich. Here are 10 differences between middle class and rich people for you to learn from…

1. The middle class live comfortably, the rich embrace being uncomfortable

“Be willing to be uncomfortable. Be comfortable being uncomfortable. It may get tough, but it’s a small price to pay for living a dream.”
-Peter McWilliams

“In investing, what is comfortable is rarely profitable.”
- Robert Arnott

It’s comfortable to work a “safe” job. It’s comfortable to work for someone else. The middle class think being comfortable means being happy, but the rich realize that extraordinary things happen when we put ourselves in uncomfortable situations. Starting your own business is a risk and risks can be uncomfortable, but a little risk is what it takes to create wealth and achieve superior results.
Step out of your comfort zone. Look at all your options. You will have to be at least a little uncomfortable if you want to become rich. You might even have to fail and that’s great, because if you’re not failing, you’re not doing much.

2. The middle class live above their means, the rich live below

“There is no dignity quite so impressive, and no one independence quite so important, as living within your means.”
-Calvin Coolidge

You won’t catch the average millionaire in a $100,000 car or a multi-million dollar home. The rich don’t spend their money on depreciating liabilities, they spend their money on appreciating assets and they live below their means. On average, the rich drive cars that are a few years old and they don’t buy them new, according to studies done in the book “The Millionaire Next Door.” Even if they can “afford” that fancy new Escalade, they usually don’t buy it.
Remember, if you earn $1,000,000/year and you spend $1,000,000/year, you’re still broke.

3. The middle class climb the corporate ladder, the rich own the ladder

“The richest people in the world look for and build networks; everyone else looks for work.”
-Robert Kiyosaki

The middle class tend to work for someone else. They have a job. A career. Upper middle class tend to be self-employed. They own a job. The rich tend to own the business. They own that corporate ladder that the middle class are busy working up. The rich understand that they need more people working for them to earn more money. The rich understand the power of passive income.

4. The middle class are friends with everyone, the rich choose wisely

“It’s better to hang out with people better than you. Pick out associates whose behavior is better than yours and you’ll drift in that direction.”
-Warren Buffett

The rich understand that when you surround yourself with successful people, your own success will follow. Likewise, surrounding yourself with unsuccessful people tends to have the anticipated effect. Your income is usually the average of the incomes of your three closest friends. If you want to earn more, hang around people who earn more. It’s all about aligning your mindset with the mindset of successful people. If you want to be rich, you have to think rich.

5. The middle class work to earn, the rich work to learn

“When you are young, work to learn, not to earn.”
-Robert Kiyosaki

The middle class are easily persuaded to change jobs when someone offers more money. The rich understand that working isn’t about the money, especially in the early years. It’s about developing the skills and traits you need to develop to become rich. That may mean working a sales job to better understand the world of selling. Or it could mean you work at a bank to better understand accounting. If you want to be rich, you should be working to learn the skills you need to become rich. Most rich people didn’t get there by earning a high salary.

6. The middle class have things, the rich have money

“Too many people spend money they haven’t earned, to buy things they don’t want, to impress people that they don’t like.”
― Will Rogers

Back to the fancy cars and big houses. That’s where much of the middle class spend their money. Drive through a middle class neighborhood and you will usually see brand new cars, expensive landscaping and high-dollar homes. The rich understand that to become wealthy, you have to want money more than you want things. If you keep buying things, your money will keep going with them. It’s funny how that works. For example, Warren Buffett still lives in the same home he bought in 1958. And he only paid $31,500 for it.
Stop buying things and start focusing on keeping, saving and investing the money you earn. If you are a shopaholic, start shopping for assets. Become interested in investing, then look for bargains on stocks and businesses instead of shoes and electronics. That being said, it’s not all about saving your money.

7. The middle class focus on saving, the rich focus on earning

“Your greatest asset is your earning ability. Your greatest resource is your time.”
-Brian Tracy

“If you would be wealthy, think of saving as well as getting.”
-Benjamin Franklin

Saving is important. Investing may be more important, but earning is the foundation of both. You understand that you need to save and invest, but to really achieve extravagant goals with them, you need to earn more. The rich understand this and work on creating more avenues to earn and earning more with the avenues they have. If you really want to become rich, work on your earning ability, not your saving ability.

8. The middle class are emotional with money, the rich are logical

“Only when you combine sound intellect with emotional discipline do you get rational behavior.”
-Warren Buffett

Steve Siebold interviewed over 1,200 of the world’s wealthiest people over the past 30 years for his book “How Rich People Think”, and according to him there are more than 100 differences in how rich people look at money compared to the middle class. One of the key differences he found was that the middle class see money through the eyes of emotion, but the rich see money through the eyes of logic. Making emotional financial decisions will ruin your finances. Warren Buffett explains that investing has much more to do with controlling your emotions, than it has to do with money. Emotions are what cause people to buy high and sell low. Emotions create dangerous business deals. Leave emotions out of this and turn to logic.

9. The middle class underestimate their potential, the rich set huge goals

“Set your goals high, and don’t stop till you get there.”
-Bo Jackson

The middle class set goals. Sometimes. It’s the capacity of the goals that differ from the middle class to the rich. The middle class set safe goals that are easily obtainable. The rich set goals that seem impossible, difficult or crazy. But they know they are achievable. It all comes back to having the proper mindset.
When you’re setting your goals, ask yourself if they could be bigger. Ask yourself if that’s really all you can do or if you can do more. I think you can do more.

10. The middle class believe in hard work, the rich believe in leverage

“It is much easier to put existing resources to better use than to develop resources where they do not exist.”
-George Soros

Hard work is a necessity. For all of us. If you want to reach the top (whatever that may be for you), you’ve got to put in the work. The problem is that hard work alone will rarely make you rich. You can’t become rich by doing it all yourself. You have to use leverage to truly become rich and stay that way. Leverage works in many ways, from outsourcing to investing. The more leverage you can incorporate, the more time you will free up to work on the things that really matter in your business and your life.
Some differences between the middle class and the rich are vast, while others may seem simple and minor. The fact is that if you want to become rich, you have to think like the rich and do the things the rich do.

this article is taken from www.lifehacks.org

author: Kalen Bruce Kalen Bruce is the founder and main writer for MoneyMiniBlog.com, where he writes short, sweet and simple articles on money and productivity. Kalen lives a debt-free life with his wife and four children. 

15 Ways to Sleep Better, and Wake up Refreshed

We are all plagued with the modern man’s disease—insomnia.
From a combination of bad diet, lack of exercise, staring at electronic back-lit screens for hours, we have thrown our circadian rhythm clocks completely out of whack. In the last year I have been digging deep into the world of healthy habits, and have found a wealth of information from sources such as BulletProof and Fat-Burning Man. These alternative health advocates use cutting edge technology and science to help you hack your health.
And thankfully, in order to sleep well, it doesn’t really take all that much effort. Make these simple tweaks to your daily routine with these 15 ways to sleep better, so you wake up refreshed.

1. Cut back on sugary beverages.

Ah, the sugar problem. I could go on for days about how fructose corn syrups, low fat foods and soda have destroyed American health. But, in regards to sleeping better, cutting out the sugar will do wonders for your sleeping. If you consume more than 3 sodas a day (or say, 2 Starbucks Grande Lattes), try to cut that amount in half, and stop your sugar consumption after 5 p.m. This will allow for your body to detox and metabolize (or store) all those simple carbohydrates. An insulin spike right before bed is counterproductive to a good night’s rest.

2. Cut back on the caffeine.

Just as sugar amps up your insulin levels, caffeine can up your adrenaline. If you are a heavy coffee drinker you should also cut back on the Joe, and attempt to not drink any after 5 p.m.

3. Do morning cardio.

How does exercising in the morning contribute to sleeping better? For starters, you need to develop a solid morning routine, which directly effects your evening rituals. Early morning cardio gives you a reason to get out of bed, and keeps you from hitting that snooze button, which will help you to get to bed easier the next night. Aim for 30 mins, whether its a jog on the treadmill, a walk with the dog, or a Jazzercise routine.

4. Have some fruit.

A small amount of carbohydrates before bed time will help your body to produce melatonin. Reach for a handful of grapes, an orange, or any small amount of fresh fruit to help you into La-La Land.

5. Take a melatonin supplement.

If your internal clock needs a hard reset, starting with a melatonin supplement could work wonders. Take these supplements (there is varying advice on the dosage) an hour before you plan to fall asleep. This will give you time to unwind, get on your pjs and fall asleep before you know it.

6. Drink herbal tea.

No Sugar. No caffeine. Yes to herbal tea!
Herbals teas are a great way to unwind and relax at the end of the day. Peppermint and chamomile are some of my favorites. If you are new to tea, here is a lovely guide on how to get started.

7. Read more.

If diet and exercise contribute to sleep, so does a quiet mind. Take that cup of herbal tea and sit down with some light reading to relax your mind.

8. Start a journal.

For the supercharged and on the go person, reading at night seems impossible. Instead, I like to sit at my desk and make a list, or a short journal of all the things I accomplished that day, and then to make a small list of things I plan to do tomorrow. This allows me to worry less about remembering things, and to concentrate on unwinding.

9. Lift weights.

If cardio is a good morning routine, lifting weights in the evening is a perfect bedtime routine. After dinner, spend sometime weight training. If you don’t have a weight set, do some Crossfit style exercises or even just a few sets of sit up and push ups. Firing up your muscles burns that lingering sugar in your bloodstream, and will help you to nod off a little easier.

10. No electronics in bed, ever.

And another topic I could go on about forever about is how smartphone and tablets have destroyed sleeping habits. I set my phone for “night mode”, meaning at precisely 11pm my phone goes silent until 6am. This has staved off the workaholic and insomnia more than any other tip I have tried.

11.  Have more sex.

The bedroom should be a sacred place—this is where you (and possibly a partner) partake in intimate activities. Orgasms are a great stress reliever and (or even something as mundane as snuggling!) release the hormone oxytocin  and sertonin, both of which help you to feel relaxed and drowsy. Take complete advantage of your partner (or porn) and jump in the sack early.

12. Never hit the snooze.

Hitting the snooze button is a way to perpetuate a bad sleeping cycle. You go to bed late because you know you will be hitting the snooze button at least 5 times. Instead force yourself to get up on the first buzzer and you WILL be exhausted. This will eventually lead to you going to bed earlier.

13. Eat real butter for breakfast.

My boyfriend has struggled with insomnia for years. One of the best ways I have found to get him into a better sleeping pattern is that the last thing I say to him before I go to sleep, “I’m going to make you a big bacon and cheese omelet in the morning.” On those days, he is up and at ‘em before me! Not only is this a great motivator to go to bed, it is a great motivator to get out of bed. And the the dose of protein and fat helps to get your brain moving quicker than a carbohydrate dense breakfast. I opt for Bulletproof coffee.

14. Drink more water.

Logical, right? Not so much. As my first few points said, we Americans like to indulge in sugar and caffeine (I know far too many people that down a Mountain Dew before bed). If you aren’t a tea drinker, than get a tall glass of ice water, or better yet, infused water, and sip on it before you head to bed. This will  help your body to detox when you sleep, to rehydrate your system and to aid digestion.

15. Switch out your lights.

Even if you swear off the TV and tablet before bed, you still need to navigate around your bedroom and home. A great way to lessen your evening light exposure is to opt for red spectrum bulbs. These simulate (you guessed it!) an evening sunset and help to sync your internal clock for sun down.



this article is taken from www.lifehacks.org
written by: Emily West