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Why Most People Fail at Financial Planning! It’s not what You Think! | Mo Hasan | TEDxAshburnSalon


hi I’m Melissa and I have the privilege

hi I’m Melissa and I have the privilege of tonight having the opportunity to

of tonight having the opportunity to

of tonight having the opportunity to teach you about what has people stopped

teach you about what has people stopped

teach you about what has people stopped in their life and what has them not

in their life and what has them not

in their life and what has them not achieved the financial success that they

achieved the financial success that they

achieved the financial success that they want in their life just a quick show of

want in their life just a quick show of

want in their life just a quick show of hands have you taken any steps in your

hands have you taken any steps in your

hands have you taken any steps in your life to forward your financial plan

life to forward your financial plan

life to forward your financial plan either starting a budget saving money in

either starting a budget saving money in

either starting a budget saving money in an IRA a 401 K a work plan sure most of

an IRA a 401 K a work plan sure most of

an IRA a 401 K a work plan sure most of us have taken some sort of step now the

us have taken some sort of step now the

us have taken some sort of step now the next question for you you don’t have to

next question for you you don’t have to

next question for you you don’t have to raise your hand for are you financially

raise your hand for are you financially

raise your hand for are you financially secure right now are you wealthy and in

secure right now are you wealthy and in

secure right now are you wealthy and in this time if the answer is yes fantastic

this time if the answer is yes fantastic

this time if the answer is yes fantastic congratulations and well done and if the

congratulations and well done and if the

congratulations and well done and if the answer is no you have a lot of company

answer is no you have a lot of company

answer is no you have a lot of company not just in this room but you have

not just in this room but you have

not just in this room but you have company all over the United States and

company all over the United States and

company all over the United States and all over the world so what’s happening

all over the world so what’s happening

all over the world so what’s happening in the world why is it that we have

in the world why is it that we have

in the world why is it that we have perfectly intelligent hard-working

perfectly intelligent hard-working

perfectly intelligent hard-working people unable to achieve the retirement

people unable to achieve the retirement

people unable to achieve the retirement that they want and the financial goals

that they want and the financial goals

that they want and the financial goals that they want well I’d like you to

that they want well I’d like you to

that they want well I’d like you to consider that maybe we’re trying to

consider that maybe we’re trying to

consider that maybe we’re trying to solve a problem in a way that doesn’t

solve a problem in a way that doesn’t

solve a problem in a way that doesn’t really make sense maybe we don’t even

really make sense maybe we don’t even

really make sense maybe we don’t even understand what the problem is well

understand what the problem is well

understand what the problem is well let’s take a look at what’s actually

let’s take a look at what’s actually

let’s take a look at what’s actually happening out there what’s happening in

happening out there what’s happening in

happening out there what’s happening in the marketplace with the young people

the marketplace with the young people

the marketplace with the young people that are still in college right now

that are still in college right now

that are still in college right now according to Sallie Mae half of them are

according to Sallie Mae half of them are

according to Sallie Mae half of them are gonna have $5,000 of just credit card

gonna have $5,000 of just credit card

gonna have $5,000 of just credit card debt before they graduate from college

debt before they graduate from college

debt before they graduate from college and 1/3 of them how will over $10,000 of

and 1/3 of them how will over $10,000 of

and 1/3 of them how will over $10,000 of credit card debt that’s not including

credit card debt that’s not including

credit card debt that’s not including car loans student loans or anything else

car loans student loans or anything else

car loans student loans or anything else of that sort so we’ve got young people

of that sort so we’ve got young people

of that sort so we’ve got young people literally coming into life with a high

literally coming into life with a high

literally coming into life with a high amount of revolving credit card debt

amount of revolving credit card debt

amount of revolving credit card debt well what about everyone else that’s out

well what about everyone else that’s out

well what about everyone else that’s out there well gosh 2/3 of Americans would

there well gosh 2/3 of Americans would

there well gosh 2/3 of Americans would struggle to come up with $1,000 for an

struggle to come up with $1,000 for an

struggle to come up with $1,000 for an emergency do you think that there’s some

emergency do you think that there’s some

emergency do you think that there’s some emergencies you might experience in life

emergencies you might experience in life

emergencies you might experience in life there’d be at least $1,000 here like a

there’d be at least $1,000 here like a

there’d be at least $1,000 here like a car breaking down or maybe something

car breaking down or maybe something

car breaking down or maybe something related to health and wellness my future

related to health and wellness my future

related to health and wellness my future father-in-law recently found out that he

father-in-law recently found out that he

father-in-law recently found out that he was diagnosed with hepatitis C a curable

was diagnosed with hepatitis C a curable

was diagnosed with hepatitis C a curable illness that takes only 3 months to cure

illness that takes only 3 months to cure

illness that takes only 3 months to cure and it only takes 90 days worth of pills

and it only takes 90 days worth of pills

and it only takes 90 days worth of pills but at $1,000 a pill per day it can be

but at $1,000 a pill per day it can be

but at $1,000 a pill per day it can be devastating to most families

devastating to most families

devastating to most families fortunately he had health insurance

fortunately he had health insurance

fortunately he had health insurance which significantly reduced the cost but

which significantly reduced the cost but

which significantly reduced the cost but what would a $90,000 medical bill do to

what would a $90,000 medical bill do to

what would a $90,000 medical bill do to your family you see oftentimes we

your family you see oftentimes we

your family you see oftentimes we believe that oh maybe if I just made

believe that oh maybe if I just made

believe that oh maybe if I just made more income then life will be okay well

more income then life will be okay well

more income then life will be okay well it turns out 70% of US citizens

it turns out 70% of US citizens

it turns out 70% of US citizens regardless of income are living paycheck

regardless of income are living paycheck

regardless of income are living paycheck to paycheck so even when you see people

to paycheck so even when you see people

to paycheck so even when you see people driving nice cars working very very nice

driving nice cars working very very nice

driving nice cars working very very nice jobs and earning a lot of money the vast

jobs and earning a lot of money the vast

jobs and earning a lot of money the vast majority of Americans are still living

majority of Americans are still living

majority of Americans are still living paycheck to paycheck so what’s going on

paycheck to paycheck so what’s going on

paycheck to paycheck so what’s going on here why is it that most people are

here why is it that most people are

here why is it that most people are struggling financially the issue is

struggling financially the issue is

struggling financially the issue is we’ve been trying to solve the wrong

we’ve been trying to solve the wrong

we’ve been trying to solve the wrong problem all along we’ve been trying to

problem all along we’ve been trying to

problem all along we’ve been trying to just make a lot of money and create

just make a lot of money and create

just make a lot of money and create financial wealth but the reality is most

financial wealth but the reality is most

financial wealth but the reality is most of us have no idea what money even is or

of us have no idea what money even is or

of us have no idea what money even is or what it means to create wealth so I

what it means to create wealth so I

what it means to create wealth so I rather assert to you that if you think

rather assert to you that if you think

rather assert to you that if you think about the future what is security will

about the future what is security will

about the future what is security will the government give you security well as

the government give you security well as

the government give you security well as it turns out according to the Social

it turns out according to the Social

it turns out according to the Social Security Administration by the year 2033

Security Administration by the year 2033

Security Administration by the year 2033 the Social Security Administration’s

the Social Security Administration’s

the Social Security Administration’s trust fund starts to go broke that means

trust fund starts to go broke that means

trust fund starts to go broke that means if you’re 46 years old today by the time

if you’re 46 years old today by the time

if you’re 46 years old today by the time you’re 62 the earliest you’re eligible

you’re 62 the earliest you’re eligible

you’re 62 the earliest you’re eligible to start collecting Social Security not

to start collecting Social Security not

to start collecting Social Security not all the money will be there so what do

all the money will be there so what do

all the money will be there so what do we do what have we been chasing that’s

we do what have we been chasing that’s

we do what have we been chasing that’s not right well maybe we’ve just been

not right well maybe we’ve just been

not right well maybe we’ve just been playing the wrong game in the world

playing the wrong game in the world

playing the wrong game in the world maybe we’ve just been trying to make

maybe we’ve just been trying to make

maybe we’ve just been trying to make money instead of trying to focus on

money instead of trying to focus on

money instead of trying to focus on creating sustainable happiness you see I

creating sustainable happiness you see I

creating sustainable happiness you see I assert that the entire purpose of

assert that the entire purpose of

assert that the entire purpose of financial planning or retirement

financial planning or retirement

financial planning or retirement planning or whatever you call it the

planning or whatever you call it the

planning or whatever you call it the whole point of it is to create

whole point of it is to create

whole point of it is to create sustainable happiness and what I mean by

sustainable happiness and what I mean by

sustainable happiness and what I mean by that is that you’re not just happy right

that is that you’re not just happy right

that is that you’re not just happy right now you didn’t just make a little bit of

now you didn’t just make a little bit of

now you didn’t just make a little bit of money but you’ll be happy and you’ll be

money but you’ll be happy and you’ll be

money but you’ll be happy and you’ll be ok and your family will be ok

ok and your family will be ok

ok and your family will be ok regardless of the economy whether the

regardless of the economy whether the

regardless of the economy whether the housing market or the stock market goes

housing market or the stock market goes

housing market or the stock market goes up or down your family will not only be

up or down your family will not only be

up or down your family will not only be ok but you’ll be able to thrive you’ll

ok but you’ll be able to thrive you’ll

ok but you’ll be able to thrive you’ll be able to survive at a very high level

be able to survive at a very high level

be able to survive at a very high level and what about you could be incident

and what about you could be incident

and what about you could be incident proof and you could be accident proof

proof and you could be accident proof

proof and you could be accident proof and you could be illness proof that no

and you could be illness proof that no

and you could be illness proof that no matter what happened you could have

matter what happened you could have

matter what happened you could have complete and utter financial security I

complete and utter financial security I

complete and utter financial security I invite you to consider that that’s the

invite you to consider that that’s the

invite you to consider that that’s the point of financial planning is to create

point of financial planning is to create

point of financial planning is to create that type of happiness in your life to

that type of happiness in your life to

that type of happiness in your life to take care of you your family and

take care of you your family and

take care of you your family and everything that’s important to you so

everything that’s important to you so

everything that’s important to you so how do we get there how do we get there

how do we get there how do we get there

how do we get there how do we get there to a place where we can actually create

to a place where we can actually create

to a place where we can actually create this level of sustainable happiness that

this level of sustainable happiness that

this level of sustainable happiness that we can create financial abundance in our

we can create financial abundance in our

we can create financial abundance in our lives well it’s kind of start off by

lives well it’s kind of start off by

lives well it’s kind of start off by looking at what are the areas in your

looking at what are the areas in your

looking at what are the areas in your life that make you happy and would it be

life that make you happy and would it be

life that make you happy and would it be a good idea for us to examine a little

a good idea for us to examine a little

a good idea for us to examine a little bit about who we are before we figure

bit about who we are before we figure

bit about who we are before we figure out how to solve the problem doesn’t

out how to solve the problem doesn’t

out how to solve the problem doesn’t that just make sense so I invite you to

that just make sense so I invite you to

that just make sense so I invite you to consider a new way for you to look at

consider a new way for you to look at

consider a new way for you to look at yourself and let’s now look at the four

yourself and let’s now look at the four

yourself and let’s now look at the four elements that make up me and that make

elements that make up me and that make

elements that make up me and that make up you and that make up all of us first

up you and that make up all of us first

up you and that make up all of us first let’s talk about what we’re used to what

let’s talk about what we’re used to what

let’s talk about what we’re used to what we can point to which is our physical

we can point to which is our physical

we can point to which is our physical bodies we have our physical bodies in

bodies we have our physical bodies in

bodies we have our physical bodies in this room you can point to your body

this room you can point to your body

this room you can point to your body right and it exists in mass it exists in

right and it exists in mass it exists in

right and it exists in mass it exists in space and time and it exists in a

space and time and it exists in a

space and time and it exists in a universe that we call the physical

universe that we call the physical

universe that we call the physical universe one that we can measure one

universe one that we can measure one

universe one that we can measure one that we can see one that we can point to

that we can see one that we can point to

that we can see one that we can point to with the objects in the room so if

with the objects in the room so if

with the objects in the room so if you’re gonna live a long time and you’re

you’re gonna live a long time and you’re

you’re gonna live a long time and you’re gonna be financially successful might it

gonna be financially successful might it

gonna be financially successful might it make sense to take care of your physical

make sense to take care of your physical

make sense to take care of your physical body so that you’re around to enjoy it

body so that you’re around to enjoy it

body so that you’re around to enjoy it because what’s the point of having a

because what’s the point of having a

because what’s the point of having a whole lot of money if you’re fat sick

whole lot of money if you’re fat sick

whole lot of money if you’re fat sick and nearly dead or you make a whole lot

and nearly dead or you make a whole lot

and nearly dead or you make a whole lot of money you retire just to die within a

of money you retire just to die within a

of money you retire just to die within a couple of years and unfortunately this

couple of years and unfortunately this

couple of years and unfortunately this is a very common occurrence so we have

is a very common occurrence so we have

is a very common occurrence so we have to take care of and look at in our

to take care of and look at in our

to take care of and look at in our financial planning that we have to take

financial planning that we have to take

financial planning that we have to take care of our physical self but we also

care of our physical self but we also

care of our physical self but we also exist as a series of emotions as a

exist as a series of emotions as a

exist as a series of emotions as a series of contiguous of nonstop one

series of contiguous of nonstop one

series of contiguous of nonstop one right after the other a series of

right after the other a series of

right after the other a series of emotional states were happy were sad

emotional states were happy were sad

emotional states were happy were sad were bored were excited were intrigued

were bored were excited were intrigued

were bored were excited were intrigued we are as human beings a series of

we are as human beings a series of

we are as human beings a series of emotional states so point to that in the

emotional states so point to that in the

emotional states so point to that in the room where are you with your emotional

room where are you with your emotional

room where are you with your emotional state can you find it is it on the floor

state can you find it is it on the floor

state can you find it is it on the floor is it on the ceiling is it on the screen

is it on the ceiling is it on the screen

is it on the ceiling is it on the screen we can see evidence of it maybe you’re

we can see evidence of it maybe you’re

we can see evidence of it maybe you’re happy you can point to your smile but

happy you can point to your smile but

happy you can point to your smile but that emotional state that exists

that emotional state that exists

that emotional state that exists actually existed what we refer to as the

actually existed what we refer to as the

actually existed what we refer to as the spiritual world now this isn’t a

spiritual world now this isn’t a

spiritual world now this isn’t a conversation about religion but this is

conversation about religion but this is

conversation about religion but this is a conversation about we need language to

a conversation about we need language to

a conversation about we need language to describe the things that exists that are

describe the things that exists that are

describe the things that exists that are not in the physical world

not in the physical world

not in the physical world and so anything that doesn’t have mass

and so anything that doesn’t have mass

and so anything that doesn’t have mass that we can’t measure in space time and

that we can’t measure in space time and

that we can’t measure in space time and distance we are going to consider

distance we are going to consider

distance we are going to consider in the spiritual world so our emotions

in the spiritual world so our emotions

in the spiritual world so our emotions are one thing that exists in the

are one thing that exists in the

are one thing that exists in the spiritual but there’s more what about

spiritual but there’s more what about

spiritual but there’s more what about your intelligence the sum of all things

your intelligence the sum of all things

your intelligence the sum of all things that you know point your that in the

that you know point your that in the

that you know point your that in the room where’s the sum of everything that

room where’s the sum of everything that

room where’s the sum of everything that you’ve learned where’s the sum of all of

you’ve learned where’s the sum of all of

you’ve learned where’s the sum of all of your errors all of your mistakes

your errors all of your mistakes

your errors all of your mistakes everything that you’ve learned

everything that you’ve learned

everything that you’ve learned everything that you’ve mastered every

everything that you’ve mastered every

everything that you’ve mastered every mistake that you’ve made that exists

mistake that you’ve made that exists

mistake that you’ve made that exists somewhere too and that’s also in the

somewhere too and that’s also in the

somewhere too and that’s also in the spiritual world and when we combine the

spiritual world and when we combine the

spiritual world and when we combine the two has anyone here ever had an emotion

two has anyone here ever had an emotion

two has anyone here ever had an emotion around money have you ever been stressed

around money have you ever been stressed

around money have you ever been stressed for the bank account sort of a little

for the bank account sort of a little

for the bank account sort of a little bit low or when the debt balance gets a

bit low or when the debt balance gets a

bit low or when the debt balance gets a little high or been a little excited

little high or been a little excited

little high or been a little excited when the bank balance gets a little hot

when the bank balance gets a little hot

when the bank balance gets a little hot so we all experience emotions around

so we all experience emotions around

so we all experience emotions around money and do you think what you know

money and do you think what you know

money and do you think what you know about money affects how much you get to

about money affects how much you get to

about money affects how much you get to have of it do you think if you’re

have of it do you think if you’re

have of it do you think if you’re ignorant about money you get to be

ignorant about money you get to be

ignorant about money you get to be wealthy absolutely not

wealthy absolutely not

wealthy absolutely not so your intelligence and your emotional

so your intelligence and your emotional

so your intelligence and your emotional state play a huge part in your money but

state play a huge part in your money but

state play a huge part in your money but you see that’s not the only way you

you see that’s not the only way you

you see that’s not the only way you exist it’s not just your physical your

exist it’s not just your physical your

exist it’s not just your physical your emotional your intellect you also exist

emotional your intellect you also exist

emotional your intellect you also exist as energy you see you’ve got a body

as energy you see you’ve got a body

as energy you see you’ve got a body right and you’ve got energy that

right and you’ve got energy that

right and you’ve got energy that animates your body or else you’d be a

animates your body or else you’d be a

animates your body or else you’d be a bag of dead meat and bones and the

bag of dead meat and bones and the

bag of dead meat and bones and the energy that animates our body let’s call

energy that animates our body let’s call

energy that animates our body let’s call that the spirit it’s what gives us life

that the spirit it’s what gives us life

that the spirit it’s what gives us life it’s what animates us and aren’t there

it’s what animates us and aren’t there

it’s what animates us and aren’t there things in the universe that work through

things in the universe that work through

things in the universe that work through our spirit think of your purest self

our spirit think of your purest self

our spirit think of your purest self think about the things that you love

think about the things that you love

think about the things that you love think about all the things that are good

think about all the things that are good

think about all the things that are good about you all of those things are your

about you all of those things are your

about you all of those things are your spiritual self and so your spiritual

spiritual self and so your spiritual

spiritual self and so your spiritual self also plays a purpose in the world

self also plays a purpose in the world

self also plays a purpose in the world do you think that those people in this

do you think that those people in this

do you think that those people in this world who are fulfilling on their true

world who are fulfilling on their true

world who are fulfilling on their true purpose are they happier than those that

purpose are they happier than those that

purpose are they happier than those that are not what do you think are they

are not what do you think are they

are not what do you think are they happier than the drones that are going

happier than the drones that are going

happier than the drones that are going through just trying to collect another

through just trying to collect another

through just trying to collect another paycheck

paycheck

paycheck one week after another so there’s

one week after another so there’s

one week after another so there’s something to be said for honoring all of

something to be said for honoring all of

something to be said for honoring all of the parts of you to insure that your

the parts of you to insure that your

the parts of you to insure that your financial plan includes everything

financial plan includes everything

financial plan includes everything because there’s things for us to solve

because there’s things for us to solve

because there’s things for us to solve in the spirit and things for us to solve

in the spirit and things for us to solve

in the spirit and things for us to solve in our emotions our intellect and our

in our emotions our intellect and our

in our emotions our intellect and our physical body so we still have the money

physical body so we still have the money

physical body so we still have the money Providence all well there’s a really

Providence all well there’s a really

Providence all well there’s a really good question what is money is money

good question what is money is money

good question what is money is money something that exists in the physical

something that exists in the physical

something that exists in the physical world is that the dollar bills that

world is that the dollar bills that

world is that the dollar bills that we’ve exchanged when we were children

we’ve exchanged when we were children

we’ve exchanged when we were children back and forth what is money is it

back and forth what is money is it

back and forth what is money is it Xero’s you see on your computer screen

Xero’s you see on your computer screen

Xero’s you see on your computer screen or the app but rather money is something

or the app but rather money is something

or the app but rather money is something that exists in the spiritual world and

that exists in the spiritual world and

that exists in the spiritual world and what money is money is just an idea

what money is money is just an idea

what money is money is just an idea money is just an idea backed in

money is just an idea backed in

money is just an idea backed in confidence so that when I give you a

confidence so that when I give you a

confidence so that when I give you a dollar you have the confidence that that

dollar you have the confidence that that

dollar you have the confidence that that dollar can be exchanged for something

dollar can be exchanged for something

dollar can be exchanged for something else of equal value and how do we convey

else of equal value and how do we convey

else of equal value and how do we convey confidence in one place to another you

confidence in one place to another you

confidence in one place to another you think about a credit card right when you

think about a credit card right when you

think about a credit card right when you pay here at this place or any other

pay here at this place or any other

pay here at this place or any other venue you simply give them a piece of

venue you simply give them a piece of

venue you simply give them a piece of plastic you’re no longer exchanging

plastic you’re no longer exchanging

plastic you’re no longer exchanging dollars in that sense but the vendor

dollars in that sense but the vendor

dollars in that sense but the vendor they have confidence that your credit

they have confidence that your credit

they have confidence that your credit card is worth something and the bank

card is worth something and the bank

card is worth something and the bank they have confidence that the other bank

they have confidence that the other bank

they have confidence that the other bank is gonna give them money and so it goes

is gonna give them money and so it goes

is gonna give them money and so it goes round and around and around that money

round and around and around that money

round and around and around that money exists as an idea and what we’re

exists as an idea and what we’re

exists as an idea and what we’re actually transferring is that confidence

actually transferring is that confidence

actually transferring is that confidence in the way we transfer that energy is

in the way we transfer that energy is

in the way we transfer that energy is literally by transferring energy and you

literally by transferring energy and you

literally by transferring energy and you see we’ve been trying to solve the money

see we’ve been trying to solve the money

see we’ve been trying to solve the money problem all wrong all along we’ve been

problem all wrong all along we’ve been

problem all wrong all along we’ve been trying to solve the money problem in the

trying to solve the money problem in the

trying to solve the money problem in the physical universe

physical universe

physical universe so therefore to solve the spiritual

so therefore to solve the spiritual

so therefore to solve the spiritual issue of money we have to find the

issue of money we have to find the

issue of money we have to find the source of the problem and this is where

source of the problem and this is where

source of the problem and this is where the good news comes in seeing the

the good news comes in seeing the

the good news comes in seeing the spiritual world problems are much easier

spiritual world problems are much easier

spiritual world problems are much easier to solve than they are in the physical

to solve than they are in the physical

to solve than they are in the physical world in the spiritual world when you

world in the spiritual world when you

world in the spiritual world when you want to get from point A to point B it’s

want to get from point A to point B it’s

want to get from point A to point B it’s actually a lot easier because all of

actually a lot easier because all of

actually a lot easier because all of your problems all of your problems every

your problems all of your problems every

your problems all of your problems every single one of them all manifest it all

single one of them all manifest it all

single one of them all manifest it all came from one particular place and all

came from one particular place and all

came from one particular place and all of your problems are simply the

of your problems are simply the

of your problems are simply the manifestation of your indecision you see

manifestation of your indecision you see

manifestation of your indecision you see all of your money problems exist because

all of your money problems exist because

all of your money problems exist because you at some point in time and maybe more

you at some point in time and maybe more

you at some point in time and maybe more than once had a someday conversation

than once had a someday conversation

than once had a someday conversation I’ll take care of my budget someday I’ll

I’ll take care of my budget someday I’ll

I’ll take care of my budget someday I’ll write that will someday I’ll start

write that will someday I’ll start

write that will someday I’ll start learning about mutual funds someday I’ll

learning about mutual funds someday I’ll

learning about mutual funds someday I’ll start retirement planning someday I’ll

start retirement planning someday I’ll

start retirement planning someday I’ll sit down with the wife or the husband

sit down with the wife or the husband

sit down with the wife or the husband and we’ll both get caught up someday you

and we’ll both get caught up someday you

and we’ll both get caught up someday you see all of the problems in your life are

see all of the problems in your life are

see all of the problems in your life are literally just a manifestation of your

literally just a manifestation of your

literally just a manifestation of your indecision so if that’s the case if what

indecision so if that’s the case if what

indecision so if that’s the case if what indecision is keeping you from get to

indecision is keeping you from get to

indecision is keeping you from get to the other side how do you think you

the other side how do you think you

the other side how do you think you could solve that problem what do you

could solve that problem what do you

could solve that problem what do you think you could make a decision

think you could make a decision

think you could make a decision hot-diggity it’s literally that simple

hot-diggity it’s literally that simple

hot-diggity it’s literally that simple you could make a decision because in

you could make a decision because in

you could make a decision because in every aspect of life everywhere you sit

every aspect of life everywhere you sit

every aspect of life everywhere you sit on the

on the

on the you create problems so why not make a

you create problems so why not make a

you create problems so why not make a decision why not choose a new viewpoint

decision why not choose a new viewpoint

decision why not choose a new viewpoint from which you can operate in life I’m

from which you can operate in life I’m

from which you can operate in life I’m talking about decisions you make in the

talking about decisions you make in the

talking about decisions you make in the spiritual world that alter the rest of

spiritual world that alter the rest of

spiritual world that alter the rest of your life please raise your hand if

your life please raise your hand if

your life please raise your hand if you’ve ever been in love if you’ve ever

you’ve ever been in love if you’ve ever

you’ve ever been in love if you’ve ever been in love and been in a loving

been in love and been in a loving

been in love and been in a loving relationship and a long term

relationship and a long term

relationship and a long term relationship

relationship

relationship so before you fell in love with that

so before you fell in love with that

so before you fell in love with that person you were probably already busy

person you were probably already busy

person you were probably already busy right you had a lot so a lot of stuff to

right you had a lot so a lot of stuff to

right you had a lot so a lot of stuff to do you had friends you were busy with

do you had friends you were busy with

do you had friends you were busy with work all of a sudden you fall in love

work all of a sudden you fall in love

work all of a sudden you fall in love with this person you declare that you’re

with this person you declare that you’re

with this person you declare that you’re gonna spend time with them and now your

gonna spend time with them and now your

gonna spend time with them and now your schedule is completely free like you’ve

schedule is completely free like you’ve

schedule is completely free like you’ve been able to completely and utterly

been able to completely and utterly

been able to completely and utterly reorganize your universe because of this

reorganize your universe because of this

reorganize your universe because of this new truth because you made a spiritual

new truth because you made a spiritual

new truth because you made a spiritual decision you see that is the power of

decision you see that is the power of

decision you see that is the power of making a spiritual decision because for

making a spiritual decision because for

making a spiritual decision because for most people long before they buy a house

most people long before they buy a house

most people long before they buy a house together they get married or they have

together they get married or they have

together they get married or they have babies or whatever order you do all of

babies or whatever order you do all of

babies or whatever order you do all of that long before all of that you

that long before all of that you

that long before all of that you typically made a spiritual decision to

typically made a spiritual decision to

typically made a spiritual decision to be with that person and then the

be with that person and then the

be with that person and then the physical universe simply caught up I

physical universe simply caught up I

physical universe simply caught up I invite you to consider that the decision

invite you to consider that the decision

invite you to consider that the decision you make in money is absolutely no

you make in money is absolutely no

you make in money is absolutely no different so what are your choices

different so what are your choices

different so what are your choices what can you decide about money that

what can you decide about money that

what can you decide about money that would have you manifest financial

would have you manifest financial

would have you manifest financial success and wealth well let’s start by

success and wealth well let’s start by

success and wealth well let’s start by making it very very easy

making it very very easy

making it very very easy we’ll start with three simple choices

we’ll start with three simple choices

we’ll start with three simple choices all three choices will get you to

all three choices will get you to

all three choices will get you to retirement there’s no right answer

retirement there’s no right answer

retirement there’s no right answer there’s no wrong answer

there’s no wrong answer

there’s no wrong answer it’s literally up to you to pick are you

it’s literally up to you to pick are you

it’s literally up to you to pick are you ready are you ready for the easiest

ready are you ready for the easiest

ready are you ready for the easiest choice you’re ever gonna make and that

choice you’re ever gonna make and that

choice you’re ever gonna make and that the end result of this choice is you

the end result of this choice is you

the end result of this choice is you will be financially successful well here

will be financially successful well here

will be financially successful well here it goes

it goes

it goes choice number one you do the minimum you

choice number one you do the minimum you

choice number one you do the minimum you literally do the minimum when what that

literally do the minimum when what that

literally do the minimum when what that means is you fill out all of your

means is you fill out all of your

means is you fill out all of your paperwork properly if you have an

paperwork properly if you have an

paperwork properly if you have an employer who does a 401k match or a

employer who does a 401k match or a

employer who does a 401k match or a thrift savings plan or any type of

thrift savings plan or any type of

thrift savings plan or any type of employer match and contributions take

employer match and contributions take

employer match and contributions take advantage of it if you need insurance

advantage of it if you need insurance

advantage of it if you need insurance for your family buy some insurance just

for your family buy some insurance just

for your family buy some insurance just do the bare minimum and you will reach

do the bare minimum and you will reach

do the bare minimum and you will reach retirement now will you be rich now

retirement now will you be rich now

retirement now will you be rich now probably not now here’s the thing if you

probably not now here’s the thing if you

probably not now here’s the thing if you ended up with a life incident that cost

ended up with a life incident that cost

ended up with a life incident that cost you a quarter million half a million

you a quarter million half a million

you a quarter million half a million could you survive that incident ooh

could you survive that incident ooh

could you survive that incident ooh that’s a whole nother story so that’s

that’s a whole nother story so that’s

that’s a whole nother story so that’s option number one and if you don’t want

option number one and if you don’t want

option number one and if you don’t want to think about money

to think about money

to think about money by all means choose this and you will at

by all means choose this and you will at

by all means choose this and you will at least get your retirement option number

least get your retirement option number

least get your retirement option number two is that you decide to hire teamm you

two is that you decide to hire teamm you

two is that you decide to hire teamm you realize there’s a lot to learn about

realize there’s a lot to learn about

realize there’s a lot to learn about money and you say you don’t I could use

money and you say you don’t I could use

money and you say you don’t I could use a little bit of help maybe I need some

a little bit of help maybe I need some

a little bit of help maybe I need some financial planners some tax advisers

financial planners some tax advisers

financial planners some tax advisers some accountants I need some people on

some accountants I need some people on

some accountants I need some people on my team that are actually gonna be able

my team that are actually gonna be able

my team that are actually gonna be able to do the thing to manage the money but

to do the thing to manage the money but

to do the thing to manage the money but in order for you to do that you need

in order for you to do that you need

in order for you to do that you need some education so that you don’t get

some education so that you don’t get

some education so that you don’t get taken advantage of and to get that

taken advantage of and to get that

taken advantage of and to get that education so that you can hire a team

education so that you can hire a team

education so that you can hire a team what you have to do is you become

what you have to do is you become

what you have to do is you become qualified so that you can qualify the

qualified so that you can qualify the

qualified so that you can qualify the people that you’re hiring and this

people that you’re hiring and this

people that you’re hiring and this normally is about a three to six-month

normally is about a three to six-month

normally is about a three to six-month education process this requires you to

education process this requires you to

education process this requires you to learn the minimums about how mutual

learn the minimums about how mutual

learn the minimums about how mutual funds work what is the GDP how does the

funds work what is the GDP how does the

funds work what is the GDP how does the economy work how does insurance work you

economy work how does insurance work you

economy work how does insurance work you literally go through and learn the

literally go through and learn the

literally go through and learn the minimum things the basics of all of

minimum things the basics of all of

minimum things the basics of all of those areas of Finance so when you go

those areas of Finance so when you go

those areas of Finance so when you go hire the experts no one takes advantage

hire the experts no one takes advantage

hire the experts no one takes advantage of you you’ll be able to hire the

of you you’ll be able to hire the

of you you’ll be able to hire the experts because you now know what there

experts because you now know what there

experts because you now know what there is to know what’s very common is a lot

is to know what’s very common is a lot

is to know what’s very common is a lot of people who go out to hire a team they

of people who go out to hire a team they

of people who go out to hire a team they end up being swayed by yummy steak

end up being swayed by yummy steak

end up being swayed by yummy steak dinners and pretty offices and then

dinners and pretty offices and then

dinners and pretty offices and then there’s a few of us out there we kind of

there’s a few of us out there we kind of

there’s a few of us out there we kind of look at the universe and go how in the

look at the universe and go how in the

look at the universe and go how in the world am I not financially successful

world am I not financially successful

world am I not financially successful what is going on here and I’m willing to

what is going on here and I’m willing to

what is going on here and I’m willing to do whatever it takes I’m willing to

do whatever it takes I’m willing to

do whatever it takes I’m willing to learn I’m willing to grow and I’m

learn I’m willing to grow and I’m

learn I’m willing to grow and I’m willing to be 100% responsible for my

willing to be 100% responsible for my

willing to be 100% responsible for my money and so therefore I’m going to

money and so therefore I’m going to

money and so therefore I’m going to choose option number three an option

choose option number three an option

choose option number three an option number three is a spiritual decision

number three is a spiritual decision

number three is a spiritual decision where you say now I’m going to take a

where you say now I’m going to take a

where you say now I’m going to take a new viewpoint in the world but now I’m

new viewpoint in the world but now I’m

new viewpoint in the world but now I’m going to take the viewpoint that I will

going to take the viewpoint that I will

going to take the viewpoint that I will no longer be a consumer but I would

no longer be a consumer but I would

no longer be a consumer but I would rather take the viewpoint and be a bank

rather take the viewpoint and be a bank

rather take the viewpoint and be a bank why did I say that an option number

why did I say that an option number

why did I say that an option number three you have to take a viewpoint of

three you have to take a viewpoint of

three you have to take a viewpoint of being the bank versus being the consumer

being the bank versus being the consumer

being the bank versus being the consumer because in the world of money who’s

because in the world of money who’s

because in the world of money who’s winning consumers are the banks you tell

winning consumers are the banks you tell

winning consumers are the banks you tell me like the banks are winning like a

me like the banks are winning like a

me like the banks are winning like a hundred percent of the time right the

hundred percent of the time right the

hundred percent of the time right the banks ruining if consumers are winning

banks ruining if consumers are winning

banks ruining if consumers are winning most people would be rich but most banks

most people would be rich but most banks

most people would be rich but most banks are rich see in the world we have a ton

are rich see in the world we have a ton

are rich see in the world we have a ton of education out there are ton of

of education out there are ton of

of education out there are ton of education is available so you need a

education is available so you need a

education is available so you need a field

field

field by which you can look at the education

by which you can look at the education

by which you can look at the education and the filter is your viewpoint it is

and the filter is your viewpoint it is

and the filter is your viewpoint it is the position that you choose to apply in

the position that you choose to apply in

the position that you choose to apply in the world to plant your flag down in the

the world to plant your flag down in the

the world to plant your flag down in the ground and said this is who I am so when

ground and said this is who I am so when

ground and said this is who I am so when you take option number three you make

you take option number three you make

you take option number three you make the spiritual decision that who you are

the spiritual decision that who you are

the spiritual decision that who you are right now is financially successful and

right now is financially successful and

right now is financially successful and who you are right now is to be 100%

who you are right now is to be 100%

who you are right now is to be 100% responsible for your economy so that no

responsible for your economy so that no

responsible for your economy so that no matter what happens no matter what goes

matter what happens no matter what goes

matter what happens no matter what goes wrong you are responsible there’s no

wrong you are responsible there’s no

wrong you are responsible there’s no more complaining and everything in your

more complaining and everything in your

more complaining and everything in your life can be solved through your own

life can be solved through your own

life can be solved through your own education you see bankers ask very very

education you see bankers ask very very

education you see bankers ask very very different questions so the education

different questions so the education

different questions so the education bankers get is very very different so

bankers get is very very different so

bankers get is very very different so when you choose option three that that

when you choose option three that that

when you choose option three that that is the way you’re gonna live your life

is the way you’re gonna live your life

is the way you’re gonna live your life and you make that decision instantly and

and you make that decision instantly and

and you make that decision instantly and you take on that viewpoint your entire

you take on that viewpoint your entire

you take on that viewpoint your entire universe transforms around you the

universe transforms around you the

universe transforms around you the resources that you need the people that

resources that you need the people that

resources that you need the people that are important to you are all going to

are important to you are all going to

are important to you are all going to show up so where do you get started

show up so where do you get started

show up so where do you get started first you have to choose to make a

first you have to choose to make a

first you have to choose to make a spiritual decision and if you choose

spiritual decision and if you choose

spiritual decision and if you choose option three here’s what life looks like

option three here’s what life looks like

option three here’s what life looks like life looks like studying for the rest of

life looks like studying for the rest of

life looks like studying for the rest of your life but only until you die don’t

your life but only until you die don’t

your life but only until you die don’t worry about it okay you’re only going to

worry about it okay you’re only going to

worry about it okay you’re only going to learn until you die and the first year

learn until you die and the first year

learn until you die and the first year you’re gonna learn all the fundamentals

you’re gonna learn all the fundamentals

you’re gonna learn all the fundamentals in the second year you’re gonna

in the second year you’re gonna

in the second year you’re gonna specialize in something and what you’re

specialize in something and what you’re

specialize in something and what you’re going to specialize is not just an

going to specialize is not just an

going to specialize is not just an investment strategy and an investment

investment strategy and an investment

investment strategy and an investment tool or an investment product you’re

tool or an investment product you’re

tool or an investment product you’re also going to specialize in you you’re

also going to specialize in you you’re

also going to specialize in you you’re gonna learn how to unlock your mind

gonna learn how to unlock your mind

gonna learn how to unlock your mind you’re gonna learn how to unlock your

you’re gonna learn how to unlock your

you’re gonna learn how to unlock your ability to learn so that you can learn

ability to learn so that you can learn

ability to learn so that you can learn faster harder and better than you’ve

faster harder and better than you’ve

faster harder and better than you’ve ever learned before and in the third

ever learned before and in the third

ever learned before and in the third year you become a mentee you get

year you become a mentee you get

year you become a mentee you get coaching and you get professionals you

coaching and you get professionals you

coaching and you get professionals you get people with mastery and you learn

get people with mastery and you learn

get people with mastery and you learn from them and after you’ve learned after

from them and after you’ve learned after

from them and after you’ve learned after you’ve committed those three years to

you’ve committed those three years to

you’ve committed those three years to being a student only then do you start

being a student only then do you start

being a student only then do you start investing your money you’ll find that

investing your money you’ll find that

investing your money you’ll find that because you got education because you

because you got education because you

because you got education because you increased your emotional intelligence

increased your emotional intelligence

increased your emotional intelligence you’ll find that your returns will grow

you’ll find that your returns will grow

you’ll find that your returns will grow your risk will drop and you will create

your risk will drop and you will create

your risk will drop and you will create financial security in your life and you

financial security in your life and you

financial security in your life and you will be able to create sustainable

will be able to create sustainable

will be able to create sustainable happiness for the rest of your life

happiness for the rest of your life

happiness for the rest of your life thank you

thank you

thank you [Applause]

”

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