Aug 292013
By the hour, by the task, by the relationship, or by ROI

I’ve had the privilege to expand my formerly fixed pie mindset into that of a lifelong student with an ever growing pie mindset due to being on the ‘path less traveled’ which I’ve been walking down these past 3+ years.

In this time, I’ve read north of 100 books, listened to somewhere between 500 and 1,000 audio recordings, watched over 50 DVDs, read hundreds of blog posts, and been to between 100 and 200 different events where I am surrounded by creators/builders/eagles/climbers. All of these, summed up, has completely been transformational. Not an overstatement in the least!

As part of the above, one particular book, amongst many, serves as the inspiration/foundation stone for this post – that being ‘Cashflow Quadrant’. It was one of the first dozen books I read when I discovered what true education really was ( = liber/liberty/how to think ), and I constantly recommend it in the present, and will do so into the indefinite future:  It is THAT crucial — a must read.  In fact, I believe it should be required reading in all high schools, regardless of if public, charter, private, Christian, or one of the many home school curriculums.

Taking a high level view of the acres of material in this book leads back to the title of this post. There are four/4 quadrants —  each of them will appeal to people based on their core values, their personality traits/temperaments, and their willingness to be a student (read: humble, honeable, hungry).  Each of these can also be attached to one of the short descriptors;  let’s unpack them one by one, then will close off this post with a summation.

By the Hour

E > Someone who ‘lands’, chooses, or is shuttled here through the ‘system’ and/or programming most usually thinks in chunks — hour(s). Extended further out: days, weeks, with a mindset of “hump day”, or Friday is more important than any other day of the week. This is due to an ingrained mindset where he/she measures things in such time increments which are short term in focus and perhaps also in vision.  Often, someone in this quadrant will say he/she “has no time”, or is “very busy”. Chalk this up to a priorities/urgencies root issue, and the age old difficulty in being unable to do anything about the time v. money 1:1 exchange.

By the Task

S > Here is a quadrant where one also tends to be shuttled or programmed to put up stakes, although there is a definitive difference b/w it & its cousin, ‘E’. A person(s) here now thinks more along the lines of – how much can I earn (income) for task “X”, “Y” ?  Example is the trading of time for an appointment which requires the other party to pay ( e.g., Doctors, dentists, accountants, certain types of coaches/counselors, stylists, consultants, lawyers ). So, to extend, it is in the best interests of the person to squeeze as many clients-customers into a given time period as possible. The outlook here can usually be longer than a day or a week, although a person here can oft-times employ others, so he/she may also be marking off in his/her head the time between ‘now’ & when payroll is due.


We’ve now traversed the metaphorical wall/chasm between sides of the squared quad. What is the difference between them, one who has yet to read this landmark book may inquire?  Quite straightforward:  One’s incoming information, and subsequent thinking (and actions/application of the former two). Another way to say it:  You are no longer depend”E”nt nor are you a member of independent”S” Inc. (so to say)


By the Relationship

B >  The least understood corner real estate, yet within lies the most profound answers to many of life’s perplexing issues/questions. Such as?  :  Why can’t I ever seem to get ahead? — Why don’t I think I have enough time in the day to do everything I must get done? ( yet, the day is just as long as it was millennia ago ) — Why is there more week/month than what is in my paycheck ( net income ) ?  Just who are the folks who own (not manage!) those ‘chains’ = franchises that I spend all of my waking time or currency in?

When you quite likely have made your way into this quadrant, since a very small number will be born here, you will find that your thinking requires a reboot. And, furthermore, that much of what you learned before quite likely will need to be unlearned over time. To “B”, you are no longer the magic elixir. You’ve instead discovered interdependent life — its all about Resolution 11: Systems (Holism) & working in concert with a proven, duplicatable system. This system often takes the form of a recurring inflow of life changing information or, in some cases, it is a reference manual/guide/book that you can use over + over + over again to get the same result.

How does relationship(s) tie in?  This way:  Since you are interdependent, you are interlinked in many cases with others in common purpose. The others will either ensure your financial security through their prosperity; and/or they will be your extended term clients/customers as you have earned their unshakeable trust and loyalty; and/or, lastly, you are seeking to grow your tribe and expand your network, so you must know people skills and sharpen the human relations art & science abilities that are not nearly as well taught as an “E” or an “S”‘er. Folks here also have a strong understanding of financial fitness & are coming to the realization that you don’t retire — unless the word is re-defined to mean that you are retiring from your obligations.

This leads to the final corner >


I > This is rarified “air”, as the % of those occupying the ground in this bottom right real estate are most always those who spent a good deal of time as a “B”, and they’ve earned their stripes and have become truly free:  In both time and in money. So, they can now put their money on the line in great big chunks, and become real investors. No, if you are “investing” in a corporate-industrial age retirement vehicle such as a 401(k) nor an industrial age one like a defined benefit pension plan.

In those two latter examples, you are not spending money, however, you have not leveraged money to get an ROI on money. The leverage here is purely monetary as opposed to a system from its cousin to the north, the ‘B’. Instead, this is building or creating of an asset(s) that kicks off cash flow. The book describes the levels of investors far better than I could attempt to dissect, so dear readers, please be sure to read, or re-read, this seminal book, then pay it forward to your friends, family, and especially, the younger generations.

In this quadrant, to cap it off – you are receiving so much inflow of currency from your dependent ‘E’ & independent ‘S’ neighbors across the wall, that your well being is set. You are a living breathing example of the maxim of financial fitness that its NOT where the $ starts, but rather, where it ends up that COUNTS.


In wrapping up, please be willing to always change. It is hard, however, beating one’s head against cement and expecting cement to crumble!  If you have those questions above, or simply are a student and wish to gain wisdom and knowledge to then turn around to apply & then pay forward to another, you have found (A) one of the best books ever written, and (B) a post here in the blogosphere which has attempted to explain it all from a slightly different perspective than others likely have already. ( since this book has sold so many copies, I know there are tons of links online talking about it! )

Be the best you can be. Live. Learn. Grow, And may you find & earn your dreams.

Jun 072013
Mission --> Submission --> Co-Mission --> Transmission





What do these words signify for those who are pursuing, studying, or are already (servant) leaders(hip)?  They are core themes, and are much like a step-ladder on the way up from the ground floor to being truly significant. We are well past survival ( which 85-95% of the population, regrettably is doing at most/best. ) and beyond success at this point — you, yes you, are pursuing truly making a ‘dent in the universe’, like Steve Jobs talked about before his untimely passing.

Let’s start with mission. The ground floor of a 5-10%’er, so to speak. This is deep, the petri dish where genius is born, and where potential is developed. The benefit of having your mission detected ( a term coined by Viktor Frankl, when discussing mission’s cousin, purpose ) is that you are able to lasso your true potential, bless others’ lives without expectation of return, and to truly benefit society.

Here’s a list of missions – with metaphorical thought, you may be able to come up with others beyond the below:

Feed the hungry.

Clothe the naked.

Liberate the captives.

Educate the ignorant.

Spread beauty.

Heal the sick.

Spread prosperity.

Restore families.

For me, I have two: spread(ing) prosperity & educat(ing) the ignorant. What is/are yours?

From here, we go deeper — level/stage two —  submission.  Don’t mis-interpret the definition or the context; this is a healthy and effective type – it is a mark of a truly successful person striving for significance who submits to a mentor: his/her thinking, taking direction, and realizing that there is a whole lot that you don’t know.

A great mission is worth submitting to; you are developing your genius, which is inborn within you, and oft-times lies fallow due to a lack of a vehicle, or the best quality information, to bring it to fruition.

A simple question to help shape:  Who is it for?

How about taking another step up that all-important creator/builder ladder?  Stage/Phase three is comission. Mission detected; check; submission to mentorship and more; check.

Co-mission includes two cores: omission & tribes/community.

First, face up to things, events, and persons that are blocking you from the first two phases, and stopping you from moving into a 5-10% leadershift mindset. Begin to omit these from your day to day life.

Second, you’re ready to travel the roads and carve a pathway as you polish your genius, much like a diamond. Is it not far, far better to be positively associating with those who have also detected their mission and submitted? Working together in a tribe and pulling together under the banner of something like ‘restor(ing) families’ = profound and powerful, is it not?  As a sidebar, recall that Jim Collins discussed a similar concept in ‘Good to Great‘ when he explained the ‘putting the right people on the bus’ mantra. Community is a skeleton key to so much great in our ever changing internet age!

We’ve now reached the final stage: The ladder has been scaled & you’ve learned so much on this Resolution 13-themed journey!  This is now moving into transmission. How do you take a stand between where the world is, and where you want the world to/should it be?  Ah, the power of service is so very strong!

At this point, you have turbo-driven your genius; you’ve empowered it in the direction of making a difference all the while being humble. After all, turning your mission loose on the world could lead to a big ego, and other maladies of (non) leadership without the proper grounding. Leadership can be defined in the context of this final phase as changing the world regardless of whom gets the credit.

How do you transmit the most effectively? You channel all your work, efforts, successes, strengths, challenges, fun, passion, connections/relationships, and failures/mistakes. With ”force of will“, you have charged your own motor and go out to impact the world positively. As you achieve this, please don’t forget to act like a window and hand out the credit to your community, and give the glory to God. You are just here for a whisper of time, and maximizing that time on this journey will make your life so fulfilling.

Are you willing to explore, think independent & inter-dependently, and commit to these steps?   I hope you do, and will join me. Thank you ever so much for reading!


With every fiber of my gratitude, I extend gracious appreciation, thank you’s, and applause to Mr. Oliver DeMille, whose rapier sharp intellect, humble-ness, and service before self was beyond evident in the audio talk he gave that forms the entire backbone of this post.

May 032013
Service > self



Two distinct words.

Yet, how often do we put them in order of what we want vs. what others could benefit by?

Far too often — especially if you live your days in the mass media/consumerist culture.

Changing this at its roots requires heart, mind, and will, all fused together. Can it be done? Absolutely; I am living proof that it can transform a life.

How did I do it?  Or, better phrased: How am I continuing to get better at it?

The answer is that I am purposeful in what I allow to enter my mind. Your thinking is the lever of your life; if you let your thinking go south, let alone take your own advice, or the advice/opinions of those who don’t have the results/success which you strive for, you’ve lost a battle. Does this mean that the war is lost too?  Not in the least!  Just go back to your “trip point“, which is the information. Information changes lives. Undoubtedly.

Service can be defined so many ways; one way that it can be framed is in the context of servant leadership. When you understand leadership as equaling influence, you know that by being a servant, and putting service ahead of self, you’ve blessed someone else. Ego must be subservient to excellence, just in the same way as service > self.

Self -focus is caused by a society/culture which glorifies success in a mis-defined manner:  By the love of money ( as money is not the root of all evil; the love of it is); by characterizing success as financial (“being rich“) only; by what the celebrities & sports stars are doing; or even by encouraging competition ahead of community/interdependent ( ‘Law of the Inner Circle‘ , ‘Level 4‘ thinking.)

Going back to the information as the root source leading to the lever going up (service) or down (self) — it does require humility/humble-ness, hone-ability, a lack of self-deception, and courage to want to take steps to change the information flow. Here in the connected/internet/info age, information is beyond plentiful; it is all encompassing!  It surrounds us like a cocoon, and if we aren’t perceptive, it can impact our thinking in mere seconds. Think of how your mood changes by listening to a negative source, such as the TV news; why would you constantly shovel snow ONTO your grass when you could use your snow blower to REMOVE it?  This is analagous to letting bad/un-edifying/uplifting info into your head when you could turn it off.

Be a blessing to others by serving them. Think of how you felt when you volunteered at a charitable event, or when you donated monies, or when you helped at your church , or when you stepped up to help a neighbor in need. That’s obviously putting service before self, and doing this consistently can be encouraged by starting at the information ‘step’, and observing the changes in your thinking over time.

Thank you for reading, and all the very best in the days ahead!

Jan 302013
What traits do you share with Sir Winston?

We’ve all heard so much about Sir Winston Churchill, that his name & legacy are burned into our conscious minds.

Yet, have we really exhausted the deep well of insightful wisdom which this great man left behind for all the successive generations?  I’d say ‘not even close.’  There are numerous reasons why I come to this conclusion: One of which is that we do not teach history nearly as well as we used to; another is that not enough people read great books; a third is that we have bought into the self-deception that we have all the knowledge we need to live fruitful, purposeful lives, yet we are still in want of more wheat & farmers’ seeds to germinate in our minds.

So, with the above in mind – I am summing up the table of characteristics of Mr. Churchill’s life that served him so very well [ my thoughts/comments in ( ) ].

I happily point the readers to Appendix A of a really good book that I read over a year ago, ‘Ready, Begin!‘ by Lawrence M. Kryske., from which this information originated. Mr. Kryske did a fantastic job pulling it all together! Get that book on your shelf/in your e-reader 🙂



Focus     ( whom wouldn’t benefit from laser instead of flashlight focus?)

Innovation   ( producers & creators in society do this. Think: Steve Jobs. )

Perspective  ( C + “P” = E )

Simplicity  ( Something that every Type C/Melancholy needs to remember-note to self )

Being Proactive  ( Habit 1 – Covey )

Open Minded   ( NEVER close your mind or eyes to an opportunity! )

Insightful   ( mentors and coaches provide )

Adding Value   (  Edify. Never subtract from a person via your words. )

Detail Oriented   ( See above re: melancholy 😉 )

Big Picture  (  Vision – Resolution 4 )

Discernment   (  a component of human relations / people skills )

Preparation   (  Plant seeds/a tree well before you need a crop/apples! )



Risk Taking   ( entrepreneurs do this & America needs many more of them! )

Introspection  ( deep thinking v. reacting )

Enthusiasm   (  Carnegie & Bettger taught this years ago. Still imperative! )

Generosity   ( Serve others 1st. Always. )

Priorities / Timing  ( Habit 3 – Covey )

Integrity / Truth   (  truth is truth. Know it, live it, and expect it at all times )

Decision Making  ( make a decision, don’t ever fear a mistake or failing. )

Judgment  ( important for growing personally & leading others )

Empathy   (  HUGE importance. )

Accountability     ( NEVER ‘pass the buck’, blame shift, or make excuses. )

Boldness  ( nail your colors to the mast! )



Tenacity   ( A crucial trait for an entrepreneur. )

Resilience   (  Another for entrepreneurial minded folks. Never, ever quit. )

Problem Solving  (  problem ID’ed —> series of choices –> problem solved. )

Attitude  (  Resolution 3 )

Discipline  (  Build your internal integrity. Don’t cut yourself slack via excuses. )

Dedication  ( Imperative for having long term vision )

Action Oriented  ( can’t have all green lights before you move ahead. )

Patience  ( crucial element in dealing with others )

Versatility  ( grow in all personality types – be Type D, I, S, & C all at once 🙂 )

Involving Others  (  Level 4 thinking – interdependent / Habit 6 – Covey )

Impassioned  ( ollin – all in!

Flexibility  ( very valuable skill. )


In the end, what can be learned from this great leader’s life is nothing short of remarkable. That surely explains the vast number of books & other post mortem recognition he has received.  Successful people mirror their lives to those who have results ( define – learn – do ) and one can’t go wrong by using Sir Winston as a role model!

Nov 292012
Strength, Trailblazing, Raising expectations, Serving 1st, & Purpose

I just had the honour and pleasure to review & strongly recommend this book ( please see: ) — this post is a companion to the review.

Just a few brief comments on each of the Five/5 action steps –  I simply cannot say often enough how radical ( in the best possible way) this “upside down pyramid” really is!  The sooner it is adopted in the West, whether in communities, small businesses, government, educational institutions, or non-profits, the better off we’ll all be.


BUILD on Strength

Very valuable!  Dale Carnegie taught 75+ years ago how important it was to talk of your own mistakes (e.g, areas of improvement, weaknesses) first. Additionally, his landmark book cited the story of Charles Schwab & how important it is to praise and show appreciation often. Same concept/action here: focus on your followers’ strengths, as well as your own. Surround yourself with those who have strengths that you yourself don’t = interdependency.

BLAZE the Trail

Kevin Hall spoke of a pathfinder in his amazing book, ‘Aspire‘ –  a serving leader is much the exact same!

RAISE the Bar

The book does an excellent job delving into this topic. In a culture/society that all too often defines standards ever lower, and mediocrity reigns, a serving leader does the exact opposite from the herd/crowd & “conventional” wisdom. He/She asks aspiring serving leaders & their followers to dream bigger, serve more, and never settle.

UPEND the Pyramid

Awesome and eye opening perspective! The true leader, one who serves first, moves his/her way to the BOTTOM of the well known pyramidal/hierarchial diagram.

RUN to GREAT Purpose

Purpose, after all, is Resolution #1. It is also the ‘sweet spot’ from Jim Collins’ “hedgehog concept”.  Undoubtedly, a steel x enamel x rock foundation point on the pyramid.


Please check out the recommendation/review, order this book, and you’ll not regret your decision, even for a second.

All best!