When this post is published there will be 22 days left until 12/31/2013. That means you have a mere three weeks to manage the “big” collision – the one that surfaces around this time of year. The one that usually sparks some degree of self-reflection because you’re evaluating your performance; planning for new beginnings; and managing the emotions that kick in due to the festivities and obligations of the holiday season.
It’s an amazing three-some.
Back in August, I wrote about the problem of solving the wrong problem. When this happens, not only do you tend to misuse your financial capital, but you also typically misuse your time, energy, and other ‘soft’ resources as well.
But here’s the real problem…you rarely realize you’re making this mistake until a considerable amount of time has passed. And, just as it pays to know you are solving the right problem, it also pays to get the order right.
Getting the order wrong can also cause you to misuse your resources of people, time, money, and effort.
The order to which I refer comes from a popular mantra espoused in the self-help and personal transformation arenas.
It’s called the ‘Be-Do-Have’ paradigm.
Most of us tend to focus on the ‘have’ part of this equation, usually followed by the word “enough.” This can look like any number of things; for example, have you caught yourself musing over… Continue Reading…
Tomorrow is Thanksgiving here in the U.S. – one of my favorite holidays! And I’m doubly-excited because it falls on my birthday this year…yippee!!
As I think of Thanksgiving and my birthday, I am reminded to pause, reflect and really acknowledge all that I am grateful for.
I am also reminded of the equation that matters most, in my opinion:
R > E where “R” stands for “relationships” and “E” stands for “everything else” – literally!
Without relationships, it all falls apart because relationships are where it all begins – personally, professionally and, yes, even financially. As we slow down (even if just slightly) to unplug and spend time with family and friends, I want you to know how important our relationship is to me. Continue Reading…
One of the things I love about my work is that I get to be part of the lives of a diverse group of people. With them, I co-create practical, sustainable solutions that shape how money impacts their lives – today and in the future.
Each person – whether a client; book, blog, or magazine reader; social media follower; or TV viewer – comes to the table with their own unique circumstances, questions, concerns, challenges, goals, and dreams.
Despite this diversity, there’s one thing they seem to have in common: they all suffer from what I call the knowledge trap – aka…
…they think they know what they have.
Like them, you probably think you know what you have, too!
I say “think” because it’s not that you are completely in the dark. You’re just are not aware of a “small” but extremely important detail. It’s a very innocent mistake, one that is obscured by what you do know and the fact that for the most part you’re likely doing all the “right” things. Continue Reading…
Much of what I do involves working with people pondering a decision. The root of which either affects their finances or is affected by them. In other words, we pretty much end up talking about and strategizing on almost everything concerning life!
“I have six figures sitting in a savings account earning a measly .015%; what should I do?
“I need to invest; I have money to invest; I just don’t know where to begin and I don’t trust the stock market?
“I’m lucky because I make more than enough, but I have poor savings habits.”
“I need to get out of debt!”
“How do I determine how much to save if we’re planning to buy a house, or start a family, or start a business, or….?”
“I’m getting a divorce and have to start over…and he managed all our finances…”
What’s Different is Actually the Same
The decisions they are looking to make and the questions they are contemplating are varied. But when they come to me with these and other questions like these, they are yearning for the same thing: information. And even though they don’t say it specifically, they also want assurance said information will help them make the right decision. Continue Reading…
If I’ve pegged you correctly, you’re freaking out just a wee-bit. It’s September, which got here a tad too quickly, and that means there are just four months left for you to accomplish the goals you intended to achieve by December 31st.
Unless you hang with a bunch of coaches or consultants, you’re probably not sitting around, sipping your favorite beverage, and saying, “I need to work on my vision to meet this year’s goals.”
It’s more like, “Time is flying; I still have a lot to do; and I need help with X…or I need to get better at Y, if…”
And one of the first places you’ve probably turned to look for that assistance is your smartphone.
If so, you know you have access to what feels like a gazillion apps. According to Google, there are approximately 900,000 iOS apps and 850,000 Android apps.
As you know, some of these are purely for entertainment; while others are designed to help you manage some aspect of your life – say tracking your money, setting and managing goals, tracking how much time you meditate, managing your fitness routine, etc.
With so many (and counting), there is an app for almost every need or want you may have – personally and professionally. Continue Reading…
What if tomorrow morning you woke up to the news that you closed the deal and got THAT contract?
What if the meeting on your calendar for tomorrow afternoon was to announce your nomination to become an equity partner at your law firm or consulting practice?
What if you get a letter requesting your presence at the reading of the last will and testament of a beloved family member; you were bequeathed a sizeable inheritance.
What if, on a lark, you actually played the lottery and during the 11pm news you hear your numbers…you freaking won!
From X to Y
Whether by talent, discipline, and hard work; generosity; or pure damn luck, you went to bed having X. And now you have Y.
This is a moment you’ve thought of often. You probably even have a list of things you’d do and buy if the windfall you’ve been preparing for and/or praying for happens.
But now, what was once considered a “one-day, maybe” goal or fantasy is a full-on reality.
You now have more money than you’ve ever had. You are suddenly rich – oh, by about six- or seven-figures.
Pretty damn cool, eh?!
Your new financial reality changes EVERYTHING!
It changes what you can do; it changes what you no longer have to do; it changes many elements of your lifestyle; and more.
It sounds absolutely wonderful, doesn’t it?! You welcome this kind of change with arms wide open.
Eventually though, the excitement settles and you soon find yourself wrestling with a very logical question: “What the hell do I (really) do with all this money?”
Last week, I had the awesome pleasure and privilege to speak with a group asking just such a question.
I thought I’d share a few of the tips I presented during last week’s workshop. Why? Because you very well could find yourself in a similar position as them, albeit for very different reasons.
And because windfalls, no matter the size, usually find you a bit unprepared for them.
So, let’s start there…
1. Windfalls require adjustments
An aspect of becoming suddenly rich that is often overlooked is this: When you get more, you have to increase your capacity to handle more.
With more money, comes more responsibility. More responsibility typically involves different decisions and choices than what you’re accustomed to making.
When you read this, you might find yourself saying, “duh, Jacquette!”
Yet, most suddenly rich people expect everything (and maybe everyone) around them to change. But they don’t realize they need to change too!!
2. Windfalls don’t mask blind spots (they exacerbate them!)
Some people believe more money alone will change how they experience money. But here’s the real deal: How you handle a $1 will be the same way you will handle $1million. Unless you invest the time to discover your blind spots and adjust accordingly.
3. Windfalls require a plan of action
To go beyond being suddenly rich to becoming gradually wealthy (or wealthier), your windfall needs direction…you and it need a plan of action.
Think of your plan as a financial playbook for how the different spheres of your “financial wheel” (earn, save, invest, spend) work independently and how they “talk” to each other.
A well documented plan should help you manage your new financial reality, with specific strategies, policies and processes. A well executed plan is best achieved with a team of independent experts – each accountable for specific outcomes. A well followed plan has built-in oversight.
4. Windfalls demand you proactively think about “what could possibly go wrong?”
Just as windfalls exacerbate blind spots; they also highlight human nature. That means you need to be brutally honest about what could possibly go wrong. And, that ranges from acknowledging the probability of losing all of what you’ve gained due to poor choices, poor management or poor counsel to acknowledging that family and friends may have unrealistic expectations about what YOU should do with your money. Having a “what could possibly go wrong game-plan?” will help you mitigate your risks (financial and otherwise).
From suddenly rich to gradually wealthy (or wealthier)
When I spoke with my group of suddenly rich folks last week, I talked about mindset, behavior, and choices (what a surprise, right?!). I talked about how their windfall was a financial springboard, and how it is an invitation to be a better steward of their resources.
Luck of the lottery-winner type had very little to do with why we were in a room together; they were there due to their talent, hard work, dedication, focus and sacrifice. A smorgasbord of ingredients that can likely lead to your very own suddenly rich moment.
I am not a biblical scholar, but when I think of how best I can help suddenly rich people navigate and negotiate this new terrain – in terms of dollars and the emotions that go with – I recall the passage Matthew 7:13-14:
The Narrow and Wide Gates
13 “Enter through the narrow gate. For wide is the gate and broad is the road that leads to destruction, and many enter through it. 14 But small is the gate and narrow the road that leads to life, and only a few find it. NIV
Should you become suddenly rich, the above tips will help you go through the narrow gate. (By the way, if Christianity or religion, in general, isn’t your thing, then just think of the wide gate as “the easy, get by with little effort, non-strategic way” and the narrow gate as “the hard, put in the effort, strategic way”.)
It is the narrow gate that will minimize all that could possibly go wrong. From losing all of your windfall and ending up broke to having fractured personal relationships due to misplaced expectations.
It is the narrow gate that leads to gradual wealth.
p.s. is having a business of your own (full-time or on the side) part of your becoming “suddenly rich” strategy? If so, check out Jullien Gordon’s program – B.P.A.I.D. (You may recall he was my guest expert teacher last month.)
At first, I thought I was too advanced in my business for the program because I’ve been going hard for many years now, but Jullien taught me how to hustle smarter, not harder. I participated in B.P.A.I.D. just as I am approaching the finish line of an 18-month business re-engineering & re-branding exercise and process. I highly recommend this program to anyone seeking more financial freedom because Jullien has a wealth of information. And for those of you who are still working full-time jobs, by the end of the program you will have a legitimate business plan that you can begin as a side hustle right away. If you want to create your D.R.E.A.M. (Desired Relationships Employment And Money) life as Jullien calls it, check out www.bpaid.me. He is a friend, so let him know I sent you.
You know that friend you have, whom you love dearly, but who drives you CRAZY because each time you talk you eventually travel down a familiar road. You know, the one where s/he complains about the same old thing?
When the conversation pivots to this topic, you partially tune out because:
a) s/he is rehashing the same details, and
b) despite your advice, which they’ve requested, they never listen.
Your frustration most likely stems more from your feeling like the details of their situation never seem to evolve – because, well, they don’t seem to have evolved in this area. Your friend is stuck; you can see it clearly; they can’t.
You want to shake them and say, “you just don’t get it…do you?
If you can relate to this, you just might be able to understand Tess Vigeland’s feelings regarding the relationship between people’s questions and actions and the tenets of personal finance.
For eleven years, Tess hosted NPRs “Marketplace and Marketplace Money.”
Before I go any further, you need to know that while I’ve never met Tess in person, she holds a special place in my heart.
She kicked off the media blitz for my book, “Financial Intimacy: How to Create a Healthy Relationship with Your Money and Your Mate.” Tess was my very first official book interview, interviewing me in September of 2009 – a full month before my book pub’s date. While I had done a lot of TV and phone interviews and some radio, it was the first time I was in a radio studio with all the fancy-dancy equipment.
Thanks to the PR department of Chicago Review Press, my publisher, speaking with Tess, whose voice I had listened to for years (it’s no secret that I’m a self-described “NPR-head”), was a dream (goal) come true!
Back to Tess
Tess is no longer a constant voice of “Marketplace Money” – a national personal finance program. She’s no longer interviewing “politicians, authors, and celebrities” as a way of helping nearly nine million people just like you understand business and economics. She no longer uses this platform as a way of providing tips, ideas, and strategies on how best to manage your money.
She’s moved on from Marketplace for many reasons. But one of them is one I thought you might find interesting because it’s reminiscent of that crazy friend of yours: She had grown weary of having the same old conversation week after week after week. In her own words:
“…Partly I was tired of the subject I covered week in and week out. There are about six stories in personal finance and I told them over and over and over again and got to the point where I wanted to reach through the radio, take listeners by the shoulders and say don’t you get it?! Don’t spend more than you save! That’s it! I told you this last week! And the week before that! Do I really I have to tell you again this week?!“
The above is taken from a speech she gave at the World Domination Summit, an event I plan to one day attend. And when I first read it, I smiled because I TOTALLY understood where she was coming from.
But then I remembered the obvious isn’t always obvious to the person who needs insight (or help) the most!
A Short List of Money Tenets – aka Obvious Money To-Dos
- Of course you know not to spend more than you earn.
- Of course you know not to confuse your gross pay with your net pay.
- Of course you know the power of paying yourself first.
- Of course you know to save, and if you have access to a 401k or 403b you should maximize that opportunity and at least contribute to the match.
- Of course you know to balance out your savings strategy.
- Of course you know it isn’t prudent to forsake investing in stocks for the presumed safety of holding cash.
- Of course you’ve heard of the “Rule of 72.”
- Of course you know you should ensure your investment portfolio is diversified – aka don’t have everything in one basket.
- Of course you know that if you use a credit card, you should pay the balance off in full each month.
- Of course you know it’s important to keep your debt load in check.
- If you have children, of course you know it’s better to prioritize the savings and planning for your retirement over saving and planning for your child’s/children’s college education.
The tenets of personal finance are pretty darn standard. And the presumption is that if you do X, Y will happen.
If only the emotional math were as straight-forward as (1+1=2).
If money were just about the numbers, then you’d only need to hear and heed the above money tenets (along with a few others) once and you’d be good to go.
If money were just about the numbers you can always control, then every time you made the right choice you’d get the desired result.
If money were just about the numbers, then you’d never find yourself in the crazy friend category with someone wanting to shake you and say, “you just don’t get it…do you?” (Admit it, you’re the crazy friend, sometimes!
But some things get in the way of “getting it.”
People didn’t always hear Tess because, sadly, most people only pay attention when they are in pain. Being preventive is usually an after-thought.
People didn’t always hear Tess because, sadly, they’ve gotten used to some of her media peers who aren’t too interested in having a deeper conversation about money. Some folks not only need multiple touch points, but they also need more than a 3-minute segment in which to digest the message.
People didn’t always hear Tess because, rightly, they got tired of being made to feel guilty or ashamed of past financial decisions and the ramifications thereof, by the personal finance talking heads. As a result, some people half-listened to what she had to share.
I miss Tess’ voice, sense of humor, and direct-interviewing approach. And if money were just about the numbers, I would agree with her…there would be just “about six stories in personal finance.” If money were just about the numbers, I could easily see myself making a similar choice as her.
To me, just talking about the rules of money through the prism of the numbers IS boring! If that’s what my career (which really feels more like a life-calling) and this writing space was based on, I, too, would have a ‘gag me with spoon moment.’
I, too, would feel depleted from having the same conversation over and over and over again – one that ultimately concludes with the sentiment: You. Just. Don’t. Get it. Do You?
You and I may certainly discuss the same topics from week to week (money, choices, and relationships). And the road may feel familiar. But it is filled with the nuances, twists and turns that make up your story, my story, and the story of others – stories that are both personal & universal.
As such, I don’t believe we’re having the same conversation each time we connect. In fact, I believe the conversations you and I get to have are nearly endless! What say you?
Let me know…click the above “leave a comment” link and let’s keep the conversation going!
p.s. could your “crazy” friend need some help in the realm of money? If so, why not suggest s/he schedule a “Financial Quickie” – a complimentary, 15-minute call designed to answer just one pressing question (or two) – with me. Share this link with them and you’ll decrease the likelihood of them coming to you with the same conversation week after week after week (wink, wink)!
As soon as I learned of the city of Detroit’s filing for Chapter 9 bankruptcy protection, I posted the following across my social media platforms:
Today, I want to add a few more reasons why this historic event should really – and, I mean REALLY – matter to you and serve as a wake-up call for how to best manager your money.
The city’s bankruptcy has at least five (5) clues and cues for you. In no particular order, here’s why I believe you shouldn’t dismiss this as a “that’s their problem” scenario:
To elaborate on what I said on the interwebs last week, if you participate (and I hope you do) in your company’s 401(k) plan and the company’s stock is one of the investment options, be sure to minimize your exposure to said stock. As so many people (re)learned on September 15, 2008, your company’s value can evaporate – go poof! – in a single business day. You’ll need to work with your financial advisor to determine the specific percentage as it is situation dependent, but as a conservative general rule of thumb, I’d aim for 5-10%.
Here’s why this is relevant to you: You don’t want your retirement savings tied to a single security, especially if your earnings are tied to the company of that security. Make sense?
- Municipal bonds
You shouldn’t have municipal bonds in your 401(k) plan anyway (there’s no added value), but just in case you do…check your investment allocation to municipal bonds. You should do the same for your taxable brokerage accounts, too. Make sure you know how financially healthy the municipality whose bond you hold is. And, you’ll want to do this for you and your parents! (One of the sad side-effects of Detroit’s bankruptcy is the number of retirees whose retirement lifestyle (and dreams) will be financially interrupted.)
Here’s why this is relevant to you: Typically in a bankruptcy proceeding, creditors are the first in line to get paid. But it looks like Detroit is taking another route. So, as of this writing the city’s municipal bondholders will likely have to wait their turn.
- Have savings beyond retirement-related accounts
To some extent, my industry is to blame for the emphasis on ‘save for retirement’ – whether on your own via a defined-contribution plan (like a 401(k)) or a defined-benefit plan (like a pension). Yes, you should save for retirement, but not just for retirement as a life-style, but because of the associated tax advantages from tax-deferred instruments.
But far too many people save for retirement almost at the exclusion of saving OUTSIDE these options. They may have an emergency fund and retirement savings, but nothing in between. This is a costly mistake I see people making all the time; I call them lop-sided savers because all their savings are tied up in retirement-related accounts. Are you making a similar mistake?
Here’s why this is relevant to you: The employees and retirees are likely to be in for a rude awakening, and will now have to scramble to figure out how to address a financial shortfall they didn’t anticipate and therefore didn’t prepare for. Balance out your savings strategy!
- Heed the warning signs…early
You don’t have to be a Detroit resident to know the city has been financially challenged for a very long time. Besides, $19 billion in debt didn’t just pop up overnight! It took 60 years; a population decline of about 800,000 people; and a combination of financial imprudence and ignorance.
I don’t know what measures were (or were not) taken to avert the bankruptcy, but the signs were clearly there for a loooong time.
Here’s why this is relevant to you: Since things simmer before they reach a boiling point, what is simmering in your life right now? What is quietly tapping you on your shoulder begging for your attention? Start to address whatever just popped to mind – even if it is nothing more than writing it down on paper and getting it out of your head.
- Make the tough choices sooner rather than later (it’s less painful!)
Sometimes, reality sucks. Sometimes, you have to choose between hard and harder. This is particularly evident when it comes to dealing with overwhelming debt and/or having to renegotiate a promise.
Sounds like this is the position in which the city of Detroit’s fiduciaries found themselves. The city’s debt escalated far beyond its means to meet its obligation, and the ripple effect will likely impact their ability to meet pension commitments. (Newsflash: there are a number of cities and states dealing with a significant deficit and under-funded pensions and could easily find themselves in a similar situation as Detroit.)
From what I can gather, it also sounds like the city officials were trying to satisfy everyone 100% and wound up not satisfying anyone in the process!
Truth is, there are times when in order to give everyone some of what they want everyone needs to leave something on the table…
You can’t always get everything you want, when you want it, and how you want. Yes, I know, this is no surprise to you. But I think this truth often gets lost when the stakes being negotiated are high and people feel taken advantage of during the negotiation proceedings.
Here’s why this is relevant to you: When you have to make a tough choice, make it, make it as soon as you feel you’re about to enter a danger zone, and map out a plan to include several scenarios! And, remember to negotiate and operate from a space of abundance. People may not like the outcome, but if they respect the experience of the process, they are more likely to work with you…rather than against you.
Even if Detroit’s bankruptcy wasn’t too much of a surprise to the residents of the city, I’m sure it’s still a rude awakening to its citizens, especially its affected employees and retirees. It is a potent reminder that at all times YOU ARE RESPONSIBLE for your financial health and well-being. That should never be abdicated. ‘Can’t think of a better case for financial intimacy as a concept to embrace and a practice to follow!
p.s. want my virtual help with making sure you’re managing your 401(k) well? Check out the training, “What the Hell Should I Do with My 401(k)?” (Content is relevant for 403(b) plans, as well.)
Why Most Money Advice Is Not
Helping You Make More Money
In today’s guest post, Leesa Renee Hall – of faithfullyrich.com – raises an important question: Is your money tempo sabotaging your financial growth and success? (Oh, how I love a music analogy!) Read on and then share your thoughts by leaving a comment.
I started playing the piano when I was 8-years old. My piano teacher was a petite woman with a thick Eastern European accent. And she was exceptionally harsh.
To help me understand how fast or slow to play a song, my piano teacher used a device called a metronome. It’s placed on top of the piano and when it’s turned on, a small silver arm swings from side to side making a tick-tock sound.
Whenever my piano teacher wanted me to stay on beat, she’d turn on the metronome and set it to the desired tempo. If I didn’t play on the same tempo as the tick-tocking metronome, my piano teacher would smack my knuckles with her hand and yell “Again!” So I had to start from the beginning of the song and try my best to stay on tempo.
My mother wasn’t happy with the piano teacher’s style and stopped the lessons and I continued to teach myself music. I taught myself to play with 2 hands instead of just one. I taught myself to play more complicated arrangements. Eventually, I taught myself to play the organ, an instrument that keeps both hands and both feet very busy. Today, not only do I compose songs, but I also play the organ for a church with 500 members.
In all my years playing and composing music, there’s a tempo I love. I try to compose songs in this tempo because it’s the one I’m comfortable with. At church, if the hymn has a faster tempo, I stop playing the foot pedals and just play the song with one hand. I’ll end up sabotaging the sound of the song just so I could stay in my “comfort tempo.”
This concept shows up in your money as well…
There’s an amount of money you’re comfortable earning. I call this your “money tempo.” Every 30-days, money comes into your hands and you’re comfortable with that amount. As long as that amount stays within your current money tempo, you’re happy.
But let’s just say you get more money. Hundreds, thousands or tens of thousands more. Maybe you received a tax refund. Or an inheritance. Perhaps you received some money for your birthday or a quarter-end bonus from work. Or maybe, you had 5 new clients in your business.
Instead of being happy with the increase, you’ll sabotage the new amount. Yup, you read that right. You’ll do whatever it takes to get rid of the excess. The money that flowed in came too fast and it violated your current money tempo – the amount you’re unconsciously composed to make month-after-month, year-after-year.
That’s why all the money advice in the world won’t change your financial situation. Someone can tell you to invest in this or put your money in that and as soon as you get an increase, you panic.
Your current money tempo represents your past money situation…
First, you need to reset your money tempo and prepare your mind for the new amount you’re designed to make. When you reset your money tempo, any excess amount that flows into your hands will be treated with the utmost respect. Instead of doing whatever you can to get rid of it, you’ll embrace the new amount as part of your new money tempo.
You’ll find that when you reset your money tempo, you’ll experience your own pay raise each month. In other words, if you’ve been earning the same amount of money each month, your new money tempo expects – and will attract – more. Because your mindset has drastically shifted, the money has to shift as well.
My takeaway from Leesa Renee is the reminder that to have more, you have to increase your capacity to handle more! What’s your takeaway?
About our guest blogger
Leesa Renee Hall, otherwise known as the Faithfully Rich Mentor, is an award-winning money coach. She is passionate about helping women of faith transform their relationship with money while putting God first. Leesa is a sought after international speaker and uses anecdotes and humour to motivate her audience into changing their mindset and creating new habits around their money. Leesa’s tips have appeared in media such as Profit Magazine, The Globe & Mail, Inc. Magazine to name a few and is the author of the forthcoming title 21 Prayers for Money Miracles. Visit www.faithfullyrich.com/innercircle to find out more about Leesa’s mentoring program.
p.s. did today’s guest post cause you to go, “hmmm?” If so, what came to mind? What you share in the comment section (link above) just may help someone else identify how they are self-sabotaging their financial growth and success AND help them unleash their financial power in the process!
p.p.s. I recently contributed to an online magazine – “Going Pro.” It’s the brainchild of my fabulous coach, Stephanie Pollock. Although the magazine is geared toward women entrepreneurs, the life-lessons all the awesome contributors share are universal and beyond business because, well, business is personal (just like money)! Click here to grab your free digital copy of Going Pro Magazine 3.0 and get a rare behind-the-scenes glimpse of how 14 successful women entrepreneurs make life + business work!
Tonight’s the night. Tonight is when you get a chance to objectively see (and this is key) if you’re living your life on a continuous loop of the same meetings, activities, and responsibilities – sans any excitement, passion and joy.
It is an opportunity to confront if almost everything about what you do and how is on automatic pilot. It’s a chance to see if you’re living life by your rules.
Actually, it’s a chance to see if you’re living your version of the movie, “Groundhog Day,” which was a continuous loop of the same day!
Tonight is an opportunity to change the script…if you want and if you are ready. It’s an opportunity to discover what you don’t know you don’t know. Heck, when I met Jullien two months ago, I didn’t realize the extent to which I wasn’t living out my perfect average day!
So…will I *see* you later? Will I have the pleasure of introducing you to Jullien Gordon – of JullienGordon.com. As you may recall from last week’s post, Jullien is a speaker, coach and introspective trainer; he’s an innerviewer. And, I’m turning over my mike so that he can show you (and me) how to celebrate independence day more often than one day a year. Click here for more details and to register.
It’s so easy to get lulled into an unexamined routine. It’s familiar; mostly comfortable; and feels safe. But if, like I suspect, you:
- want and expect more from life;
- want to be more intentional about the choices you make and the rules you follow;
- acknowledge that how you spend your time day-in and day-out will determine the quality of your life; and
- want to know how to make small shifts to rock out the rest of 2013…
…then join Jullien and me tonight at 8pm ET. You can grab the details here…and it’s free!
With a simple tool and some profound questions, you’ll experience moments of shock and disbelief (because of what you learn you didn’t know about yourself) that’s matched by moments of excitement, anticipation and a deeper sense of self-awareness and self-trust.
Sounds like a great way to spend about 60-minutes, doesn’t it? Look forward to seeing you later
p.s. if you’re ready to live a more fulfilled life, join us tonight!