Jul 292013
Habits do make (or break) you ...

… in this case, financially.

I recently came upon a post in social media-land that made me stop, read, bookmark it, print it off, and begin to share w/ others.  That’s saying something, in a virtual oasis of information that never ends! There is so much information out there in our modern world, much of which eludes our eyeballs. In many cases, this is for the better, since the information is of 90% (below par) quality per Sturgeon’s Law (Five Levels of Decline/FLD), however, I’d say what I’m going to reference and point the readers to below fits into the 10%.

What do the rich do daily that leads them to financial success that the unsuccessful don’t? Mr. Corley+ lists 20 separate things (see below URL/link for the citation). For the purposes of this post, am going to pick several of them that stood out to me based on my ongoing personal/professional/leadership journeys.

First, let’s use a disclaimer. If you listen to too many politicians, or those who lack results, you may think that the rich are to be disdained. Certainly, some of them lack people skills and don’t properly manage their wealth/good fortune; others earned it through less than admirable means; and a small handful inherited their money, and likely have zero per cent appreciation for where it came from. Put these 3 categories aside. This post has nothing at all to do w/ them.

Onto the list >>>>>>>>>

First:  63% of the wealthy listen to audio books during their commute v. 5% of the poor.

* Personal testimonial. I used to be part of the latter. Now, I always use my vehicle and commute time, regardless of time spent (3 min. drive, or many hours) as a rolling university. Over the past 3 years, I’ve listened to somewhere b/w 500 and 1,000 audios, inc. numerous books. What it’s done for my thinking, habits, and results is very clear.

Second: 88% of the wealthy read 30 mins. or more each day for education / career reasons v. 2% of the poor.

* Personal testimonial. Again, I was part of the latter. I would read a book here & there, usually a political ‘screed’ that just made me angry at one politician, party, or law, or sometimes a fiction book. Now, I read from many different genres: I presently have 4 books in progress:  1 economics; 1 finances; 1 leadership/history; and 1 human relations/people skills. And, over the past 3+ years, I’ve read over 100 different books, several of them multiple times. Again, the difference that it’s made is beyond obvious.

Third: 67% of wealthy watch one/1 hour or less of TV/daily v. 23% for poor.

* Personal testimonial. Up until 2 1/2 years ago, I watched (or had in the background for sound) roughly 4 hours of TV most days, and sometimes, 8-12 hours if I was home and didn’t have anything else to do. (!?!?!) – and in that time, my financial success was very limited. Programming, advertising/PR, and marketing only encourage consumption and you’d have to search far and long to find anything on the tube that teaches wealth principles. Now, I watch zero hours of TV/day, and with very limited exceptions due to the mobile web & the internet, I do not miss it. And, I’ve learned a ton of principles, lessons, and nuggets that will lead to far better financial results.

Fourth: 79% of the wealthy network 5/five or more hours/month v. 16% of the poor.

* Personal testimonial. The value add for focused networking is unquestioned. Meeting new people leads to bigger networks, and in the connected age in which we live ( read Godin and Gladwell to better understand. ), this is a crucial component of growing wealth. I used to watch all that TV — see above — and my circles of influence were stagnant. Now, I have stacks of business cards, numerous new friends, and I am out there at various events on a recurring basis.

Fifth [ and last, for this post. ] : 86% of wealthy folks believe in life-long educational self improvement vs. 5% for poor folks.

* Personal testimonial. This is tough to hear for those who have minds that are finite – perhaps they made excuses for their situation; or, they believe that their credentials (degrees, certifications) mean they have “arrived” and there’s nothing else to know/learn; or, they have a fixed mindset (instead of one of growth). Any of these can easily be overcome, however, it will take changing the information at the front end x increasing humility x adding honeability. Toss in a bonus of understanding the crucial difference between investment and expense, and you will easily grasp that learning and deep seated education, which is often self-directed, never ends. ‘What we know is but a drop, and what we don’t know is an ocean.’


I hope you, the reader, found this post to be very insightful!  Learn from it, and make the changes right away – don’t “try” them, just “do” them!   All the best at all times!


+ http://www.richhabitsinstitute.com/ = Mr. Corley’s site ( the article URL was cited by Dave Ramsey )

Jul 112013
Offense, Defense, & 'Playing' Field ... for Finances / Economics

Economics. Finances. Government budgets. Money. Investing. Spending. Bills.

What emotion(s), thought(s), or image(s) spring to mind when you heard these words?





I hope that you can answer in a very positive way, however, with the way our culture and society have been so heavily commercialized, flooded with PR/marketing/advertising, and political mumbo-jumbo ( to put it mildly ), I would suspect that the emotion, thoughts, or otherwise would veer rather strongly to the negative, or perhaps just indifference.

Then, let’s introduce an equation which is far from original, yet can help dispel many many myths, confusion, and other maladies which are preventing the mass of our great republic from being able to earn their freedom  – financially ( from being a slave to debt & time ), spiritually ( to be able to donate freely to charities and church/faith organizations, if desired ), socially ( to be able to share wealth with those less fortunate, inc. struggling families , single parents, et al. ), and personally ( becoming educated and empowered, instead of programmed & trained to borrow, spend, and not invest in ‘You, Inc.’




May I take the liberty to recommend digging into some world class, gold medal information which is a compilation of nearly two decades of wisdom gained, education earned, and lessons learned through the vehicle of PDCA? (plan/do/check/adjust-act)?

Please watch this short vid clip

& click through the various options (workbook, forms, full package/set)

It would be a privilege to share with anyone how much this information has changed my economic & financial thinking from the inside-out. I will never look at money, budgets, investment, or spending/expense the same again. For the better. Way better. Immeasureably better.

Have a terrific evening & enjoy every minute of your day. Its a blessing to be alive & well!

Apr 192013
From the Self-Directed Education | Leadership shelf / library ---> Now Reading

Started reading on April 17th, and almost halfway through ( starting Part II ) – absolutely tremendous read – the genius is the mixing of fable (fictional characters), history, leadership, & timeless principles/truths!

Visit :  http://tenpercentleadershift.com/ for much more information.

Have a fantastic day ahead! Thank you for visiting & reading this blog!

Dec 162012

With all credit to the self-directed education that I have embarked upon over the past 2+ years, I have been blessed to learn so much that I never did while I was part of the conveyor belt & professional education tracks that I earlier completed.

One such example is a man whose historical leadership in the genres of economics & finances is Fredric Bastiat.

This partial quote from his 1840 essay, ‘What is Seen and What is Not Seen’,  tells so rich a story, it forms the core of this post:

“In the economic sphere, an act, a habit, an institution, a law produces not  only one effect, but a series of effects. Of these effects, the first alone is immediate; it appears simultaneously with its cause; it is seen. The other effects emerge only subsequently; they are not seen; we are fortunate if we foresee them.”

One reason why sensus plenior thinking is crucial to a revival of thinking (as opposed to reacting) is that it goes well below the surface – i.e., what is not “seen” , and it helps us understand the long run effects of a decision. Decisions clearly always have consequences, and the question to ask of your boss/manager, your leader, your elected office holder/politician, and/or your own self is:   What other effect(s) will show themselves that you have not considered?







Sep 192012

I recently had the privilege to both hear a talk about these five major, yet very much under the radar, trends live, and then, to be able to dissect it further by listening to it when it came out on an audio (CD/mp3) recording within the past week.  Today’s blog post is focusing on some notes that I transcribed from Mr. Oliver DeMille and what he shared with those of us who were fortunate to be present in person, and then to subscribe to Freedom “F” information from the best source for such info that I know of in the country, LIFE.


Trend No. 1


When you’re in a society like the West (specifically the USA & Canada) today, you end up with way too much dependency and delegation of thinking to the self-professed “experts” and larger institutions, whether it be government agencies, large corporations/businesses, huge universities, or ‘think’ tanks.  With so many putting trust and outsourcing the running of things, their hope and faith hinge on what they cannot control or, in most cases, influence directly.

A freedom based society, like America was up until Wilson’s presidency (and having declined more and more each decade since), puts the spotlight on individuals to shine, so their inner genius is able to shine brightly. The hope and faith of the nation(s) rests not with “experts” , most of whom aren’t truly up to the exacting standard of one, but rather, it rests on equal opportunity in a free enterprise macro & micro economy with men & women who step up, lead from the front, and act like a lion, rather than following like a sheep.


Trend No. 2


There’s a direct correlation between No. 1 & this one. ‘Glaze’ as defined for the purposes of this talk & my summary/post, is metaphorically referring to the opposite of genius; namely, the institutions who supposedly are making the right decisions for the rest of the populace/citizenry are actually smothering genius through innumerable reliance on dates, names, rules, regulations/red tape, authority, power, & fear. Freedom based societies look to individuals who have it in their heart, mind, will, and soul to be ‘glaze’ killers: those who go out, serve others, and help them find their genius!

To illustrate in broad strokes, think of what you’d likely find (as always, there will be/are exceptions) when you compared a classroom of preschoolers/kindergartners to a class of 11th graders/juniors in the district’s high school. The former would be very excitable kids, full of questions for their teacher and their classmates, high energy motors, and ready to take on the world = dreaming BIG.  The latter would likely be observed as mostly bored, only asking questions if called on, and looking at their phones wondering when they get to go to play football, or run track, etc.   Let alone, if we take this continuum further to large research universities, business/law schools, or huge multi-national corporations; by this point, the ‘glaze’ has nearly completely hidden all the genius, and is exponentially expanding, as each new student, employee, professor, or TA is steeped further in the society ‘as is’.


Trend No. 3

Sensus Plenior‘ 

Sensus plenior can be defined:  “Multiple/many senses/ways”.  It is a means/methodology of reading and thinking that freedom based societies, such as that which existed from 1776-1913 in the USA, uses, from the highest levels of government officials down to, and including the regular store/shop business owner. This is a root reason why farmers and other ‘common’ citizens understood completely what the Founding generation had come up with during the Constitutional convention in 1787 & prior to that, in being able to comprehend the Federalist Papers.

To expound further, the opposite is ‘Sensus Solum‘ .  Sensus solum is a means/methodology that’s nearly a 180 shift; it literally translates as “dry land”. One is reading something or thinking about an issue, from the perspective that there is a solitary, single answer, one that is often required to get the grade/approval from the aforementioned “experts” and institutions to whom our current society tends to turn for way too much. When they are concerned about the ‘masses’ challenging authority on the right ground, for the right reasons, sensus solum thinking dominants, genius is mostly blanketed in a thick ‘glaze’ and creativity, production, and independent thought are discouraged.

One great example from this talk:  When you get a book ( note to self: I need to do this going forward. No excuses! ) off your bookshelf, before beginning to read it cover to cover, come up with a short list of questions, say 3-5, that you will use this book to help you find better answers, to sharpen your thinking to improve your attitude, habits, behavior, results, and get you where you want to go in life.


Trend No. 4

Entrepreneurial Values

To no one’s great surprise, except perhaps to those who believe success comes out of the microwave 😀 , there are rock-solid, time tested principles of success that always work when applied consistently, while working hard & smart, and over an adult timeframe ( I am using 5-10 years for my business )

This is by no means an exhaustive list, however, those that Mr. DeMille highlighted were excellent picks, from my perspective on my leadership journey.





They are most definitely vital and quite difficult to replace with anything else, I couldnt agree more with him. What really caught my attention, and earned my agreement due to how logical the connection is, is how he connected them with the values of a freedom based society.  If one thinks about it, sensus plenior of course, when there are more entrepreneurs, and that class of business owners is growing, freedom comes alongside and expands outward. (and, by extension, so would prosperity > scarcity, wealth/abundance, and production > consumption )


Trend No. 5

Entrepreneurs & their impact on Elections

The final trend neatly ties back to No. 4:  As entrepreneurial values = values of freedom, and freedom based societies, having entrepreneurs understand just how important their individual voices are to their nation’s elections is crucial and cannot be overstated. I admire, respect, and recommend Mr. DeMille & his books (his best known 4 are available through my business) without reservation, and one of the numerous reasons I do is his position on political parties:  he takes no ‘red’ nor ‘blue’ side, he is simply a true master/expert ( WAY over 10,000 hours! ) on freedom, and he realizes, as I have come to see over the past 3-5+ years, that neither US based party has the best interests of the inner genius of our citizenry at its core. While I am an American, and cannot speak for Canada, nor other Western nations ( please comment on this post if you have something to add ), I have a strong inkling it is not any different elsewhere, since most of the world is in the same societal bind at present.

I found his discussion (building off his friend and leadership expert, Orrin Woodward‘s comment) of how the fish has been taken out of the water, and hasn’t realized how badly polluted the bowl’s water has become to be an apt illustration of where we are today. Entrepreneurs need to be successful, inspiring others to become entrepreneurs themselves, and every single one of us has to never take an election, especially local & state, and also federal, for granted. “Hoping” it goes well is not the answer:  The fish can only return to its bowl, and be able to swim freely like before if entrepreneurial = freedom values are sought out in every single candidate for whom you cPeriod.










Ruler’s Law, as WCleon Skousen discussed at length in his past works, is where the tick on the arrow is too far to the left; right now, our Western societies, and most definitely the USA, are there now, too far away from the optimum in the middle. Aristocracy, dependence on so-called “experts” (many of whom are also elitists), reliance/trust in “too big to ignore/fail” institutions that are mainly caught in a bygone era (industrial age), and not enough ‘sensus plenior’ thought = these can be fixed at their roots by creating more ownership, more production/generation of assets, growing our entrepreneurial class, swapping ‘glaze‘ for genius, and simply put: NOT taking freedom for granted.

May you all have a blessed evening, week, and I look forward to any comments you might have.  Thank you very much for reading.