The Brevity of Life

Life is short. Life ends fast.

Slow down to smell the roses, and other times run full throt­tle. Balance.

We don’t stop play­ing because we get old. We get old because we stop play­ing. Live young, stay young.

What doesn’t kill you makes for a great story.

Work hard, play harder. Embrace the crazy in all of us and set it loose.

Have fun with life. Don’t take it too seriously.

The frailty, the brevity, of life. This is the under­es­ti­mated reality.

Don’t waste your life.

19 Ways Rich People Think Differently

How do you mea­sure up? Num­ber 3 is tough for a lot of people.

1. Rich peo­ple always keep their goals in sight.
“I focus on my goals every day.“
Rich peo­ple who agree: 62%
Poor peo­ple who agree: 6%

2. And they know what needs to be done today.
“I main­tain a daily to-​​do list.“
Rich peo­ple who agree: 81%
Poor peo­ple who agree: 19%

3. They don’t watch TV.
“I watch TV one hour or less per day.“
Rich peo­ple who agree: 67%
Poor peo­ple who agree: 23%

4. They read … but not for fun.
“I love read­ing.“
Rich peo­ple who agree: 86%
Poor peo­ple who agree: 26%

5. Plus, they’re big into audio books.
“I lis­ten to audio books dur­ing the com­mute to work.“
Rich peo­ple who agree: 63%
Poor peo­ple who agree: 5%

6. They make a point of going above and beyond at the office.
“I do more than my job requires.“
Rich peo­ple who agree: 81%
Poor peo­ple who agree: 17%

7. They aren’t hop­ing to win the jack­pot.
“I play the lot­tery reg­u­larly.“
Rich peo­ple who agree: 6%
Poor peo­ple who agree: 77%

8. They watch their waist­line.
“I count calo­ries every day.“
Rich peo­ple who agree: 57%
Poor peo­ple who agree: 5%

9. And they take care of their smiles.
“I floss every day.“
Rich peo­ple who agree: 62%
Poor peo­ple who agree: 16%

10. Rich peo­ple believe their habits have a major impact on their lives.
“Daily habits are crit­i­cal to finan­cial suc­cess in life.“
Rich peo­ple who agree: 52%
Poor peo­ple who agree: 3%

11. Rich peo­ple believe in the Amer­i­can dream.
“The Amer­i­can dream is no longer pos­si­ble.“
Rich peo­ple who agree: 2%
Poor peo­ple who agree: 87%

12. Rich peo­ple value rela­tion­ships for pro­fes­sional and per­sonal growth.
“Rela­tion­ships are crit­i­cal to finan­cial suc­cess.“
Rich peo­ple who agree: 88%
Poor peo­ple who agree: 17%

13. Rich peo­ple love meet­ing new peo­ple.
“I love meet­ing new peo­ple.“
Rich peo­ple who agree: 68%
Poor peo­ple who agree: 11%

14. Rich peo­ple think that sav­ing is hugely impor­tant.
“Sav­ing money is crit­i­cal to finan­cial suc­cess.“
Rich peo­ple who agree: 88%
Poor peo­ple who agree: 52%

15. Rich peo­ple feel that they deter­mine their path in life.
“I believe in fate.“
Rich peo­ple who agree: 10%
Poor peo­ple who agree: 90%

16. Rich peo­ple value cre­ativ­ity over intel­li­gence.
“Cre­ativ­ity is crit­i­cal to finan­cial suc­cess.“
Rich peo­ple who agree: 75%
Poor peo­ple who agree: 11%

17. Rich peo­ple enjoy their jobs.
“I like (or liked) what I do for a liv­ing.“
Rich peo­ple who agree: 85%
Poor peo­ple who agree: 2%

18. Rich peo­ple believe that their health influ­ences their suc­cess.
“Good health is crit­i­cal to finan­cial suc­cess.“
Rich peo­ple who agree: 85%
Poor peo­ple who agree: 13%

19. Rich peo­ple are will­ing to take risks.
“I’ve taken a risk in search of wealth.“
Rich peo­ple who agree: 63%
Poor peo­ple who agree: 6%

 

HT: http://​www​.entre​pre​neur​.com/​a​r​t​i​c​l​e​/​2​3​5​228
HT: http://www.businessinsider.com/ways-rich-people-think-differently-2014–5

Graduating Dave Ramsey’s Financial Peace University

This after­noon, my girl­friend and I fin­ished our last class with Dave Ram­sey. Like many oth­ers, he’s become a house­hold name to us. “Dave says this…” or “Dave said that…”. For those that aren’t aware, Dave Ram­sey is the nation’s most pop­u­lar finan­cial guru. He lists 7 baby steps as follows:

  1. Build a $1000 emer­gency fund
  2. Get out of debt as quickly as pos­si­ble, pay­ing extra on your small­est debt and work­ing up from there.
  3. Build a fully funded emer­gency fund of 3–6 months expenses.
  4. Start invest­ing 15% of your income in an IRA with high yield­ing mutual funds.
  5. Start a col­lege fund for the kids.
  6. Pay off the home early.
  7. Build wealth and give.

Cur­rently, I’m on step 3 for less than two more months. Then, I start step 4, jump over step 5 (since I don’t have kids), and start sav­ing for a down pay­ment on a house since I cur­rently rent. It’s excit­ing times and feels so lib­er­at­ing to not have the finan­cial bur­dens that so many oth­ers carry.

Dave’s phi­los­o­phy fits so well with Live Sim­ply Free because he harps on liv­ing within your means–living sim­ply. His mantra is, “Live like no one else, so one day you can live like no one else.” Fantastic!

We must resist the lies of our soci­ety to buy things to be happy and that it’s ok to have debt. Sim­plic­ity brings true joy and free­dom. Maybe you’re already bogged way down in finan­cial woes. It’s ok, there’s always hope and it’s never too late to start mak­ing changes. All it takes is deter­mi­na­tion and discipline.

You might look weird just sit­ting with friends at the restau­rant but not order­ing any­thing. Your fam­ily might think you’re crazy for sell­ing every­thing and liv­ing so mea­gerly but that’s ok. After all, isn’t it the crazy peo­ple in this world that always end up doing great things?

It’s been said that when you see the major­ity head­ing in one direc­tion, it’s best to go the oppo­site way. I’m com­mit­ted to that par­tic­u­larly in my finances and I hope you will be too.

12 Steps to Sleeping Better

In the past, my sleep has suffered greatly.  I kept waking up all throughout the night, I’d wake up super tired no matter how much sleep I got, and I continually would have splitting headaches from the time I got up that would last all day.  Finally, I was tired of this, so I did some research on how to sleep better.  What I found has revolutionized my sleep since I started implementing these new sleep methods.  It may come as a surprise to some of you, but the amount of sleep you get is one of the smallest factors.  If you’re having trouble sleeping, I hope this is a help to you.

  1. Shut off your computer and TV an hour before bed.  The type of images that those displays put off make it difficult for your brain to shut down.
  2. Meditate.  Meditation helps cool down the engines of your brain.  So, doing some light pleasure reading or praying for 15-20min works.
  3. Take a hot shower. Taking a hot shower immediately before bed helps loosen up tense muscles.  It also raises the body temperature so that when it drops back down, it actually causes your body to relax and fall asleep easier.
  4. Keep electronic devices 3 feet away from the bed. Electronic devices, including cell phones and alarm clocks, send out electronic impulses which affect your brain waves in turn disturbing your sleep.
  5. Wear socks to bed. I know the majority of you are going to hate this one, but it all depends on how well you want to sleep.  Your feet have the poorest circulation of blood which causes them to be the coldest part of your body.  It’s important to have an evenly regulated body temperature in order to sleep more soundly.  Hence, you need to wear those socks.  Don’t worry, you’ll get use to it.
  6. Be consistent. Try to go to bed and get up at the same time everyday.  Being consistent in what time you wake up is more important than what time you go to bed.
  7. Visualize your morning. It actually helps to have positive thoughts about waking up the next morning.  Try to picture your alarm going off, imagine feeling rested when you wake up, and think about some exciting things you’re going to do the next day.
  8. Don’t look at the light.  Once you go to bed, keep the room as dark as possible.  Even the smallest sliver of light will disturb your sleep.  That means try to use the bathroom before bed so you don’t have to go in the middle of the night.  If you end up going at 2am anyway, try not to turn on the light.
  9. Find your sleeping cycle. Our bodies sleep in cycles.  There are multiple times during the night where you’re sleeping deeper and other times when you’re sleeping lighter.  The key is to wake up on your light sleeping cycle.  So, you may be able to wake up easier at 4:30am and feel more rested than you would if you woke up at 6am.  That’s something you’d have to experiment with.  I recommend trying different times in increments of 30min and you should be able to find your cycle somewhere in a 2hr block of time.
  10. Create artificial light. If you wake up before the sun comes up, try to set up something that will automatically turn on light to help recreate the naturally awakening process.  I use my computer which automatically turns on at 5:30am.  There are alarm clocks out there with lights on them made specifically for this purpose.
  11. Use more soothing alarms. The more soothing your alarm, the better.  It’s key to have a pleasant wake up.
  12. Don’t wake up fast. Jumping out of bed like you’re in boot camp can seriously jog your brain and leave you feeling tired and possibly with a headache the rest of the day.

That’s all I’ve got for you.  Saying it’s worked well for me is an understatement.  Let me know what your thoughts are if you try this.  I only ask that if you are going to try it, please don’t leave critical feedback unless you tried doing all the steps.  I’d also like to know what your methods for sleeping better are if you have any.

A Formula for Minimalism

The Problem

Mankind is wired to conform to the enviorement around them.  So, when you read about guys like Everett Bogue or Leo Babauta, you might feel like in order to be a minimalist you’d have to do what they’re doing to achieve that type of lifestyle.  That’s not true, though, minimalism looks and feels different for each person.  It’s not practical to carry everything you own in a backpack when you have a 9-month-old.

The Variable

The point of minimalism isn’t to get everything you own under 100 items, it’s to get rid of all the things you don’t use or really need; and that’s relative to each person.  If everyone adopted the minimalist life and got rid of most everything they had, there would be no museums, no libraries, and can you imagine a minimalist hospital!?

The Equation

So, in your quest to be minimal, be aggressive in cutting out stuff but don’t be irrational.  Besides, the goal of minimalism isn’t to have less stuff, it’s a lifestyle that enables you to live out your dreams which is a byproduct of having less.  If your dream is to move into a smaller house and have a cheaper mortgage payment, then that’s not going to require you to get rid of as much stuff as if you were going to be a vagabond and travel the world.

My Solution

I’ll be honest, my dream is to quit my day job and take a trip around the world.  So, my life is going to look a lot like Everett’s, but I have library of books (some that are very rare) and a collection of indigeouness artifacts from my travels that I don’t want to get rid of.  My solution is to leave them at my family’s house.

What about you, what are your dreams?  And what will it take to accomplish those?