Tag Archives: goals

5 Habits to Cultivate for Ultra Wealth

Habits of Wealth


85% of millionaires read two or more books a month, and they choose books that help them grow, including topics like careers, biographies of successful people, self-help, health, current events, psychology, and leadership.  -Corley’s study

Wealthy people love to learn because it helps them expand their knowledge-base and hone their skill sets.  Even reading a mere 20-30 minutes a day will set you apart from the majority of people supposedly in pursuit of wealth.


You’ve probably heard, “Perform a job you love, and you’ll never work a day in your life.”  That’s so true… and wealthy people have turned it into a fine art!

Ask yourself, “What’s my passion?  What excites me?  What would I (almost) do for free?”  Doing something that drives you that much will not only inspire you, but you’ll jump out of bed each morning, looking forward to the “work” you must do.


You know it.  You’ve been told it a million times:  Write down your goals.  The question is…  Where’s the best place to figure out the goals that will propel you into action?  The answer:  Your dreams.

Take the dreams of your life, envision them as clearly as possible, and, preferably, write this vision down.  Then, reverse-engineer it to begin setting the goals you must achieve for this dream to become reality.


Look, this is both for the sake of organization, as well as the psychological aspect of the fact that your brain likes checklists.  Nearly all personalities do.

Before going to bed each night, write the top 5 to 10 things you MUST achieve the next day.  Then, review today’s list and cross off all the things you got done!  The sense of satisfaction and accomplishment will amaze you, and you’ll find yourself trying harder to get things done — maybe even more of them. 🙂

Be sure you’re breaking down even long-term goals to to-do lists.  They’ll help keep you focused.  It is the daily small things that move you forward, afterall.


Millionaires watch less than an hour of TV each day, and 63% spend less than an hour a day on the internet engaged in activities like Facebook or YouTube videos.  “This freed up time for them to pursue their dreams, goals, read, learn, exercise, and network.” -Corley’s study

Goals-to-Results in 3 Easy Steps

Dreams to GoalsAs the year winds down, many of us will sit down to think about and set New Year’s resolutions.  Less, but still some will go a step further and call them goals.  Still fewer will take another step and actually write them down for frequent reflection and reminders.  And, only a fraction of the original lot will put in the time and effort to reverse-engineer those goals, putting action behind them so they become quantifiable results.

 Do you want to make this the year that your resolutions and dreams begin to come to fruition?

Or, are you going to be happy and satisfied with yet another year of making resolutions that fail to last even three weeks into the New Year?  Decide now.  If you’re in the second group, you can stop reading; I have nothing to offer you.  If you’re in the first group, however, hold on to your hats because we’re about to embark on the journey of a life-time – and I can hardly wait to hear about your successes and achievements!

  1. Make a list of dreams you’d like to turn to results in the coming year.

Remember:  This is one year – not two, five, or ten.  Keep them realistic and manageable.  That said, this year’s goals can be part of bigger goals that will take a longer time frame to accomplish, which is okay; just see and know it for what it is.

  1. Pare that list down to your top three-to-five highest priorities.

It’s not “bad” to have more, and I don’t personally think there’s a right or wrong answer here.  What life has taught me, though, is that, for the majority of people, focus is easier to achieve and maintain when there are fewer distractions.  So, the more you can place a laser-focus on your target, the better your results are going to be and the faster they’ll come.

  1. Reverse engineer the goal.

What does that mean?  Well, this is the part where you really begin to exert some mental power and time into the process because it means you need to actually think about the steps it will take to achieve that goal.

For instance, if you want to lose weight or become more healthy in the New Year (unsurprisingly one of the most common – and least fulfilled – resolutions that people make each and every year), put some thought into what this means for youWhat defines “weight loss” for you?  Is it 10, 30, or 100 pounds?  Everybody’s different, so define what’s best for you.  Then, choose the steps that are going to help you make this a reality.  You may end up with an action plan that looks something like this:

GOAL:  Weigh “X” pounds by December 31, 2015

  1. Eat one serving of fresh fruits and vegetables each per day
  2. Weight LossEat six small meals each day instead of two or three big ones
  3. Go out to eat one time per week as a reward for sticking to my plan
  4. Enhance my food regimen with high-quality vitamins and minerals to maximize my energy, stamina, mental performance, etc. (Free Health Assessment available here)
  5. Do some kind of cardio workout 20 to 30 minutes every Monday, Wednesday, and Friday
  6. Do some (light) weight training 20 to 30 minutes ever Tuesday and Thursday
  7. Weigh myself every morning and record my progress
  8. Envision myself as this lean, healthy machine daily (5 to 15 minutes)

Make sense?

But what if your goal is non-physical?  Let’s say… financial, since most people rack up a lot of credit card and other debt at Christmas then try to recover from it all year long — so they can do it again next year, right?  This is the year that pattern gets interrupted, and the way you look at and feel about money moves to a higher plain.  Your plan may look more like:

GOAL:  Eliminate “XYZ” Credit Card Debt

  1. Create and adhere to a budget (based on percentages, not dollar amounts, for psychological reasons; aligned with your frequency of pay)
  2. Credit Card DebtContact my credit card providers and request a lower interest rate
  3. Improve my financial education by reading on the topic 20 minutes daily, by those who are where I want to be or are at least debt-free
  4. Apply a consistent additional amount to my payment every month – or make a partial payment every time you get paid
  5. Set-up separate accounts for different purposes:  savings for short-term accumulation, checking for paying expenses, special-purpose savings for taxes or insurance or household expenditures…
  6. Give to some cause or charity every month (or pay period)
  7. Match your “giving” to yourself, and put it in another account or investment vehicle
  8. Plug-in to a free Financial Freedom Friday call for knowledge, strategies, and support (click the link or send a blank email to awlist3692158@aweber.com for details)

See, the thing is, most people make resolutions and goals with the greatest of intentions; they simply fail take actions that drive results.

And, honestly, most people try to rely on themselves to “make the magic happen”.  In reality, though, the encouragement, support, and sharing of ideas and knowledge you get by working with others who have (a) either “been there, done that” or (b) are like-minded and also taking action will compound and accelerate your progress, getting you results beyond anything you can imagine.

Make your plan today – not midnight on New Year’s Eve.

Keep your “head down”, focusing on  your goals; and by this time next  year, you’ll come up for air, look back at how you and your life has transformed, and be amazed by how much you’ve achieved.

Your partner in success…

Crystal Schwindt


When Preparation and Opportunity Meet

You’ve likely heard…

“Success is what happens when preparation and opportunity meet”

… and it’s absolutely true!

Nay-sayers and those with a victim mentality will say things like:  “He/She is so lucky!”  “He/She has all the luck.”  To me, the greatest source of “luck” is held within your own hands and mind.  Having said that, however, you also have to agree to be accountable for yourself, your actions, your decisions, your “lot” in life, and so on.  Most aren’t willing to do so — at least not to that standard.  If you were to ask those with “all the luck”, though, they’d probably tell you stories of long nights, lost time with friends and family, etc., so they could invest in themselves, their trade, their knowledge base, or some other form of – wait for it – preparation for that which had yet to come.

Lottery TicketSee, they anticipated a future opportunity and put in the work ahead of time so that when the opportunity arose, they’d not only recognize it, but also be prepared to take full advantage of it.  You may want to earn a six-figure income every year, but if all you do is sit around wishing for it instead of mentally preparing yourself to handle it or investing in your skills (essentially yourself), the odds of it ever coming to pass – short of a lottery ticket – is slim-to-none.

This philosophy works in a variety of situations – good and bad.  Most of us are familiar with the positive or success-driven scenario.  Most of us do not, however, internalize it when the negative arises; we just recognize that an unpleasant or unwanted situation has occurred – like a flat tire or something.  You may be unable to prevent the flat tire from happening, but you can minimize your own stress and dramatically alter the outcome by being prepared.

Allow me to share another example, more recent and very close to home for me.  In fact, at my home.

Just this past week, my son had left work and gone to get a soda with a friend before coming home.  When they finished, he returned his friend to work, dropped them off, and proceeded home – via the “scenic route”, which he’s fairly inclined to do.

On this occasion, however, he came upon somebody who began to “tail” him… for about five miles… through turns here-and-there, driving way out of his way, etc.  The unknown truck persisted.  (Oh, did I fail to mention it’s about 10pm and very dark outside at this point??)  Disclaimer:  In no way am I condoning using a cell phone while driving; I’m merely recounting an event and stating that I feel, given the situation, it was one of his better decisions.

Man Driving on Cell PhoneSo, I get this phone call.  “Are you at home?”

“Yes, why?”

“There’s a guy in a big truck who’s been following me for about five miles.  I’ve been turning and going all over the place, but  he keeps following me.”

“Where are you now?”

“On Madison, headed home.”

“Okay, which driveway are you going to pull into?”

“Probably the one at the garage.”

“Alright.  I’ll grab my coat and the dog and meet you out there.”

Sure enough, as I stand there, my son comes into view just a minute or so later.  Right behind him (like, less than a car length behind him):  a big, beefy, dark truck.  He turns the corner to the garage, and the dog and I begin walking down the driveway past my son as he pulls in and toward the truck.  The truck stops abruptly upon the dog and I coming into view of “his” headlights, I presume.  The truck immediately backs up, crossing an intersection without stopping, about one-and-a-half blocks, then stops.  (The thing to note is that “he” is only about one-third of a block away from another intersection behind him.  He could’ve easily continued to back up and pull onto that street, driving off in an opposite direction.)

As my son, dog, and I stand waiting to see what the truck is going to do next, I pull my cell phone from my coat pocket and call 911.

The truck begins to drive forward at what appears to be at least an accelerated rate.  So much so, in fact, that I honestly wondered to myself if it was going to just come back across the intersection and aim for me or my dog – so I call the dog closer to me and prepare to move back from the street into the driveway quickly.  Although the truck turned the corner at a fast rate, without stopping, at least it didn’t come further toward us.

Needless to say, the police arrived and a report was made.  They’re now “on call”, patrolling our neighborhood on a regular basis.

Bottom line:  Although it’s a situation that we’re definitely unfamiliar with or, until now, had a reason to be prepared for, we’d at least discussed things like this and had some kind of plan if it did.  Now, I’ll tell you:  Our plan has now changed since it has happened, and we know what can happen.  This means we’re now planned for a variety of other – even worse – scenarios.  It puts a whole new spin on…

“Preparation Meeting Opportunity”

… doesn’t it?  But what if we hadn’t been?  It does drive home how important it can be to be prepared for opportunities – good or bad.

I’d encourage you…  No, I implore you…  Esepcially as we enter into a new year and everybody on the planet will be focusing on “new” goals…  to get a clear about not only setting those goals, but preparing for their accomplishment, so you recognize and take advantage of all opportunities.

To your success in 2015 and beyond!

Crystal Schwindt