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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