The Swell in Front of You

Staying in forward motion, even when things look bleak, does more for lining up your success than you realize.

(Don’t forget: If you’re afraid you’ll fall, at least fall forward.)

I like to think of what happens when you’re standing in a still pool of water.  As long as you stand still, nothing happens.  If you take one step forward, it creates a ripple all around you, but even more than that I want you to think about the swell that grows in front of you.

One simple step creates a temporary surge of water right there in front of you.

If your finances feel flat, take a step in the right direction. DO something. MOVE. If the water seems low, lunge forward! Push ahead and watch the water rise. If you move, you can’t help but create a swell; after all, it’s physics! Move forward, and the resources right in front of you will surge. By law, nature responds to your action according to the law of cause and effect. Doors open, teachers appear, funds gather…

The problem is, if you’re like me, quite often you’re too busy looking at the ripples spreading out in all directions (wondering if and when they’ll ever return), to even notice the swell in front of you.

So take a step in the right direction (methinks you already know what it is) and then look for evidence of a swell in your immediate surroundings.

  • Be of service to someone without expectation of repayment, and it creates a swell in that relationship.
  • Read something empowering, and it creates a swell in your outlook on life.
  • Make that phone call, and you gather strength against your fear.
  • Write down that intention with determination, and your faith grows.
  • Invest in yourself, and you create a swell in your confidence that everything is going to work out.

And let me remind you that by the seven laws, what shows up in your life has everything to do with the way you FEEL about your challenges. Taking a step forward always helps you FEEL better, and that feeling can become a catalyst for inviting the unseen help we all depend on to conquer seemingly impossible things.

Every good choice creates a swell, and so it’s your job to just make sure that the swell doesn’t level out again.  The only way to keep it surging is to keep on moving.  If you stop, then (just like when you’re in water) the swell eventually dissipates, and you’re left looking at a flat, motionless environment once again.

It’s a temptation to stand there and wait for someone else to come along and create a swell… but the power is in YOU.

So get moving, do something!  Even if you’re weary, just take one more step.  As long as you keep moving, your momentum will build, and the swell will almost seem to lead the way. Originally published Nov 6, 2009


Let me help you keep your thinking on track during the rough spots. If you’ve already read all of my free ebooks, then take your understanding to the next level with my powerful life-changing trainings. You’ll find some deep discounts on several items through November – click here to check it out!

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Carrying a Heavy Burden? You can Still Fly.

A few years ago, I stepped outside of my home and unexpectedly witnessed what you see here – and it stopped me in my tracks.  It seemed impossible, but it was real.

A huge 747 airplane flew by so low, and so slow that it hardly seemed to be moving.  It appeared to hang in mid-air, defying gravity, and on its back was a space shuttle.

Now, I wasn’t living near a space station; I was in the middle of Orem, Utah at the time and never had any reason to expect to see such a sight out my front door. It flew so low that I could see the mountains above it.

I’ve always been baffled by how a Boeing 747 can soar through the air, let alone see it fly after having a heavy space shuttle placed on its back.

There have been times in my life when we have felt heavy financial burdens.  During those times, the dismal numbers made us feel it would be impossible to reach our goal with so much weight on our backs.

My husband and I would set a goal and enthusiastically go for it, but one glance over our shoulder and we’d be instantly discouraged by the burden, lose steam and give up.

What if the 747 pilot did the same thing?  What if he was halfway to his destination, successfully employing all the natural laws to keep the craft soaring, and suddenly glance to its back and think, “Whoa!  That’s too big for me!  I’d better slow down; conserve my fuel, or I might crash!”

The truth is, once the laws of aerodynamics are employed, he needs to remain steady and continue doing all that the laws require until he reaches his destination: keep his speed, tilt the flaps to maintain lift, etc.  Any interruption in his momentum, or pointing his nose down instead of up would likely result in failure.

Once we learned the laws of success and began applying them with consistency and patience, it became a whole lot easier to keep the momentum long enough to finally get where we were trying to go – even with heavy financial burdens on our backs.  Then after we reached our destination, we were finally able to set them down.

Learn the laws, then do something each day toward achieving your goal.  The laws will support small burdens in the same way they support heavy ones.

But either way, whether you’re trying to fly a paper airplane, or a Boeing 747 with a space shuttle on its back (figuratively speaking), you’ve got to move at the speed of flight. It can’t be done without some thrust.

You also need to face the wind and let it lift you, instead of trying to duck under it.  Follow the laws with precision and consistency until you’re at your destination.  No matter how long it takes to get there, each day you will get closer, and at the right moment, you’ll arrive at where you wanted to go.

Remember, don’t focus on the burden, focus on the destination, and live in alignment with the laws!

To learn more about how to do this, Click HERE to join me in a life-changing study of THE book that inspired my award-winning bestseller, The Jackrabbit Factor. Originally published December 4, 2009

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#29: Stay at Home Moms Making Money

I was invited to speak at an LDS Homeschooler’s Conference hosted by Celestia Shumway (treeoflifemothering.com), attended by mothers who wanted to stay at home to raise their children but who sometimes struggled to make ends meet financially.

In this program, I share more candidly my own struggle to be a stay at home mom and to overcome my money hangups. I discuss the concern that ‘money corrupts’ and how we therefore sometimes block the ideas that can release us from financial bondage. I also describe the process for finding ways to accomplish the goal, even when it seems impossible.

The solution to every problem is only an idea away. I want to help you get the idea YOU need. Join us for our next Genius Bootcamp, a workshop based on my books Jackrabbit Factor and Portal to Genius (both free downloads!)

(The audio system was not perfect – the auditorium was large and had an echo, but the message is still powerful.)

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How to Rely on God for a Paycheck

This is nuts. It’s 1:00 am and I can barely keep my eyes open, but I know that if I just go to bed, I wouldn’t be able to fall asleep anyway. I have to get this out of my head. Having a message to convey is my curse and my blessing all wrapped up together.

Anyway, if I wait until the morning, there will be too many distractions.

So here’s my question to you:

How much money do you need to feel financially free and secure?

Is it a monthly cashflow? Is it a pile of “X” amount of dollars in the bank? What’s your number?

For years I operated from a standpoint of, “I will feel secure when we have $_______ coming in every month, residually.” Or, sometimes it was, “I know the work is done when we have $________ saved or invested.”

What I’ve noticed is that no matter what benchmark was set, once we achieved that number, I still didn’t feel financially safe and secure. I could see how quickly it could evaporate, or how easily we had grown into that income, and once again, felt a driving need to earn more.

Suppose One Million Dollars is your benchmark for success. Suppose you think that having $1M in the bank would allow you to do everything on your list that has been waiting for the day you could afford it. What if I could send you a check today for $1M. What would you do with it, right now?

I know you’re just reading along, but I really want you to stop and ponder that question:

What would you do TODAY with $1M?

If you don’t have a solid answer, then you are not prepared to receive $1M. If you feel like just putting it in the bank would solve everything, then you’re not prepared to receive it. If it’s so big that you can’t even wrap your brain around the concept of having $1M, then what difference would it make if it were $2M, or $400M? If you cannot conceptualize the difference between those figures and what that kind of money could do for you, then it’s time to start doing your research on the elements of your lifestyle that you’d like to enjoy one day.

Find out how much that cabin really costs, and whether that price includes granite or Formica, indoor or outdoor toilets, log or sheet rock. Get a feel for what the money can buy.

Suppose you were to leave your occupation to serve a humanitarian aid mission somewhere. How much money would you need each month, and how much does the plane ticket cost? Have you done enough research to know what’s a good deal and what isn’t?

If you have something in mind you’d like to do, have, or become, pretend like you already have the money and start shopping seriously for the things you’d need to purchase in order to have those dream experiences.

THEN (and here’s the cool part), release your concerns about the money, and focus on enjoying the experience as though it is happening now.

Picture it.

You don’t have to worry about the money part, because when you apply the principles of visualization to your dream-goals, things begin to line up for you to deliver the experience, sometimes without even requiring you to pay the regular price. Either opportunities line up that will provide you with the money you need, or circumstances will evolve in such a way that you will get to enjoy the benefit of your dream-goal through a barter, or a gift, or some other unexpected way.

It’s not your job to manage the creative process.

This is why I’ve always hesitated to encourage money goals, because honestly, for me, that’s not what pushes my buttons. Every time I set a money goal, it seems to put me into a state of being that repels the money. It must be some kind of subconscious program I have, I don’t know.

However, some people are really motivated and driven by money goals, but for me, they always seem to backfire. Well, I’ve decided that’s okay. I would rather that my driving force be the ultimate reason for wanting the money. I don’t want to have the money at the expense of all the other things that are more important to me than money, and that’s the risk we take when our goals are centered on a dollar figure.

So this begs the question: “What if I really do want a pile of money in the bank?”

Let me put it to you this way:

What is financial freedom, really?

What is financial security?

Isn’t it knowing that no matter what happens in the economy, or with your job, or whatever, your family’s needs will be met?

When our income tripled and we experienced what it was like to pay off credit cards, and buy the groceries we really wanted, and sign the kids up for all kinds of lessons, and fix all the broken things around the house… and ultimately move to the home that would really meet all of our wants and needs as a growing family, I thought I was experiencing financial freedom. I was able to do what I wanted, when I wanted to.

No question, it was an experience I hope everyone will enjoy.

However, we could not be content with life as it was, because Trevan was gone too much, and we always had to ask permission from his employer if we wanted to take some time off with the family. We would be concerned about the consequences he’d face at work if he had to stay home sick.

We were doing pretty well, but had so many opportunities come across our table for which he (we) simply did not have time to do our due diligence, and we could see it was potentially costing us as much as his annual salary to let the opportunities go. These were opportunities that could have replaced his annual income in just one or two transactions… and how much time would that have afforded him?

So it became clear a few years ago that he had to take the leap of faith. We believed that by letting go of his regular and dependable source of income, we’d begin to really soar financially. He’d have time to do due diligence on the amazing opportunities to invest in businesses, or real estate, or helping businesses find capital, etc.

We were convinced that by letting him finally be his own boss, and as we continued to live the principles of prosperity we had been studying, we’d finally get to start putting BIG piles of money in the bank. This is how we pictured creating peace of mind. In a small temporary way, we planned to make a ton of money and then simply take a little break. We had worked so hard for so long, we were liking the idea of taking it easy. Not retirement, of course, but easing up on our crazy life-pace that we had subjected ourselves to for as long as we could remember.

Well, just as in the story of the acorn, letting go of the tree was terrifying, although we knew in our hearts it was time. (In the case of the story, the tree represented his job). We wondered how long we could survive without the sustenance that the tree had always provided.

We envisioned the grandeur and prestige of being independent, full-time entrepreneurs. It sounded so glamorous, and we were proud of ourselves for taking the step in spite of our fears, especially in light of the Stickman Concept.

With a bit of cockiness, we approached our investments with confidence, knowing that everything works out for us, because we had enjoyed a superb track record since discovering the principles in 2000.

Well, God has a way with people like us.

Like the acorn, we took a hard fall, and had never before experienced such fear and confusion. We wondered how long we’d have to flounder before God would see fit to rescue us and send us the financial windfall we continued to chase through our various ventures.

We literally lived on the end of our resources, eking by, one day at a time. I couldn’t let myself wonder, “What happens when the money runs out next week, and there is no paycheck coming in?” I didn’t let myself even think about it. There were times where I had to consciously choose to relax and subject myself to peaceful music in order to combat the storm raging inside my mind.

Somehow, God continued to sustain us in various ways, week by week, against all odds. This lasted a few months and then turned into more than a year… and I finally began to think, “If He has kept us going this far, and we’re still alive, we have food to eat and a place to live, and our family is in tact, then why wouldn’t I believe He would continue to support us?”

So during the second year, we pressed forward full throttle toward our goals, allowing the little money we had to flow through us freely, trusting that nature would fill the vacuum we continued to create. Unlike year #1, during year #2 we operated with very little (if any) anxiety, and gained confidence that everything was going to continue to work out. By this time, we were at peace with whatever was going to happen, good or bad. We’d move our feet in the direction of our goals a little further each day, and until there was absolutely nothing left we could do, we’d keep on keeping on.

I settled in to that strange new way of life. Like the acorn, we realized that we could survive, even disconnected from the tree, and I began to release my fears of, “What if we have to move?” Or, “What if you have to go back to a job?”

Suddenly, I found myself relying on God the same way we had relied on the paycheck. I knew God was there, and was aware of us and our needs, and I also knew that He could only bless us according to our faithfulness, so we practiced being at peace in the storm. Can’t really practice without a storm, so here was our opportunity to practice.

Related: What would you do if you ran out of money?

So now, how much money do I need?

Honestly, it flows through us faster than you’d believe because of how much we continue to pump back into our business so that we can extend our reach to more families and bring more mothers home from work.

I’m like that acorn, and as much as we all think we want a pile of money, I have learned that financial freedom is not having ten years of money in my hands today.

The seed does not benefit from having ten years worth of nutrients and water dumped on it all at once.

Neither I nor the seed would be able to absorb it, and it would likely wash us both away into oblivion. No, in the bigger picture, the seed is better off receiving only as much as it needs, as it needs it.

Financial freedom is the financial peace of mind that comes from recognizing that your job does not pay you… it is God that pays you through your job. It is not your business that pays you, it is God that pays you through your business. Remove the delivery vehicle, and He can still deliver the resources you need to become all you have chosen to become. It will find you, so relax as you keep taking just one more step!

As you allow yourself to find peace in darkness and uncertainty, you discover that miracles here on earth have not ceased. You become the newest recipient.

The acorn only becomes a mighty oak after it lets go of the parent tree, and finds all the sustenance it needs from God through the elements within its immediate surroundings. It grows independent and becomes shelter and sustenance for other tiny seeds only just getting started.

You don’t need a bazillion dollars in the bank. The person who learns to rely on God for daily support is the person who is truly financially free… because no market crash, no bank failure, no thief nor law suit, can ever overshadow the peace of mind that comes from having discovered God’s willingness and power to give you just what you need when you need it.

I will point out, also, that only people who experience great financial hardships will likely ever discover this miracle I’m talking about. If you’ve got it rough, count yourself highly fortunate. The sooner you let go of your fears, the sooner you’ll experience true financial freedom.

Realize now that even if all of your fears came true, you could still bounce back bigger than ever.

And then once you finally feel, and daily live, with that freedom in your heart, it’s only a matter of time before it begins to manifest in your physical reality, too.

But by then, you’ll have a wise and proper perspective on money, and will put it to work, blessing the lives of others.

I look forward to hearing your story. Originally published September 3, 2008

To learn how to enjoy peace of mind in any economy, join me now in the Mindset Mastery Program.

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How to reach more customers

I strive to provide life-changing content at no charge, and for those who need extra help, I offer additional products and services. By focusing on what I can GIVE, over 50,000 people have requested my information; and many of them tell their friends about me. This has been an effective approach that keeps me busy helping a lot of people.

But today I want to share with you one of my BEST strategies for reaching more customers:

I participate in a gift giveaway event almost every year, which always brings me hundreds (sometimes thousands) of new subscribers in just a few weeks. And if you’re building an online business (specifically one that empowers people to improve their lives), I strongly suggest you consider doing it with me this year.

Having participated in this event every year for nearly 7 years, I have come to know and respect the event hosts (Carolyn and Joe), and they do a first-class job at bringing lots of targeted prospects to what I have to offer. If you have a product or service that empowers people, they can do the same for you.

Each event has a different theme. Sometimes it’s health and wellness, sometimes it takes a more general approach. This one is the 2nd Annual Empowered Living Gifts Giveaway event and it’s getting ready to launch in just a couple weeks.

(If you join this event for free – even if you’re not ready to participate 100% – you’ll be automatically notified of other events in the future.)

How does it work?

Basically, you provide a downloadable or digital gift (a sample of your product or service – an ebook is a great example), and then announce this gift giveaway event to your subscribers.

HUNDREDS of list owners are coming together to do the same thing. So as you let your subscribers know about the gifts they can choose from, the other list owners are doing the same for YOU.

This is a perfect example of building wealth on the CREATIVE plane, instead of the COMPETITIVE plane (as explained in my free ebook Hidden Treasures: Heaven’s Astonishing Help with Your Money Matters – available at http://www.hiddentreasuresbook.com).

In other words, your free gift gets exposure to THOUSANDS of new potential subscribers in a matter of days, and if you deliver great information and they like what they receive from you, you have a new list of warm leads and potential customers with whom you can follow up.

Participation in this gift-giveaway event is FREE.

(But there IS an upgrade option, which I ALWAYS do. For me, at least, it always pays for itself pretty quickly.)

Sign up here

To Your List-building Success!

Leslie Householder

P.S. This event is free to join, but with 500 + gifts expected, I highly recommend you give serious thought to upgrading your account for 4x the list-building visibility and the opportunity to add multiple gifts – I always do.

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To College or Not to College

Reader’s Question:

Hey Leslie, I’m a 17 year old homeschooler who loves the leadership and mastery principles you teach and study yourself. Recently, I have been faced with the choice of going to college, but don’t know what I want to study and if the opportunities I have to learn other relevant skills would be outside of college. I feel drawn to learning and pursuing my education outside of college and feel that is where God needs me, but I also have parents and close family around me telling me that I need to “have all of my bases covered, just in case.” Is following the “safe” path to make sure I have a stable future having faith?

I really love what you have written and taught! I recently purchased the 8-Week Mindset Fundamental Course. Really excited to delve deeper into the principles. 🙂

My reply:

These are really great questions. I homeschooled my kids for 9 years and my primary goal was to give them a love of learning. (Here’s an interesting summary of our experience with that.) I’ve seen this take my kids on paths that I didn’t expect them to take, but they have all been very happy chasing what they love.

I’ve seen people be successful with and without a college education, but what I tell my children is that many more doors can open to a person who does go to college. The best advice I ever heard on the topic was by Mark Twain who said to never let schooling get in the way of your education. That doesn’t mean don’t go to school, it means get what you can but always remember the purpose – learning. (I went through college without a love of learning and wish that I had been taught how to enjoy my education.)

It sounds like you were born to be a leader, and as a leader, I’d love to see you be the one with a college education who ALSO has the mindset and leadership training to really stand out.

As you know, a college education does not guarantee success, and a person can most certainly succeed without one, but your sphere of influence can be greater if you do both.

Ultimately, you’ll have to make the decision that feels right to you. I have a degree, but my husband does not. He has done relatively well for himself in spite of it (building a six-figure career), but there has been a lot of pain and frustration in the last 30 years that could have been avoided, had he just knocked it out before life got too complicated with our growing family. He recently decided he wanted to finish what he started those many years ago as a bucket-list item, but it is definitely much harder to do now.

He has always felt that he would have been more prepared for leadership, more confident in his work, more influential in his career, and would have been able to more quickly advance, if he had had his degree. In many cases it’s the difference between “easy now, hard later” vs “hard now, easy later”. He has achieved well, but it turned out to be much longer and harder than it probably needed to be.

There really is no price tag that can be put on the confidence it cost him – even if his perceived inferiority wasn’t a reality. Has he managed? Yes. Has he excelled? Yes. Does he feel like he could have done better or achieved more? Absolutely.

The nice thing nowadays is that you don’t have to do it all in 4 years, especially if the work you’re drawn to doesn’t require a degree. I have a son who has been working on his degree but takes breaks to work and/or pursue his passions, but he stays enrolled keeping at least one class going each semester that he’s on track. His primary objective is to stay out of debt and do what he feels led to do at each step of the way. Sometimes it’s led him to take a heavy load, other times its led him to do an internship in a field that really speaks to him even though it doesn’t give him college credit, and sometimes it’s led him to build his career (which is now somewhat unrelated to the degree he’s almost finished with). Still, the degree will help him be marketable in a skill that pays well, so that he is more free to pursue his passion without having to make it pay. Sometimes the passion can fade quickly when you’ve GOT to make it PAY. That has happened to me – at one point my husband left his work to help me with our business, and we had some setbacks that forced us to make the business do well, but the pressure took all the joy out of my work. My husband went back to a job and I had to take a 5 year break from my work just to restore my love for it.

Anyway, there is a wise and healthy balance for you to find. The counsel is to get as much education as you can, which doesn’t necessarily mean college, but if you’re thinking about it, the easiest time to get a college education is when you’re young. Everything else you want to learn and do will always be there, and it can be added to the good foundation you put down now. I’d advise you to listen to the counsel of your parents and others who know you. Consider it all prayerfully with an open mind, even if it doesn’t appeal to you. Then find out what God thinks about it all.

If you were a few years older, I might have different advice, but for now, this is what I would say 🙂

Just remember, saying yes to a college education doesn’t have to mean no to everything else. It can be part of the plan, especially if you choose a path that supports your overall dream. Be wise and patient. I know it may seem contradictory to the principles I teach, but we LOVE listening to Dave Ramsey at our house. He’s entertaining and keeps us from making decisions that we will regret. We’ve made enough of those that I’m much more patient now with my goals, and much more willing to build them from a solid foundation – because I’ve achieved many goals that later fell apart, or that I later regretted achieving. I’m much more willing to listen to people who are older and wiser than me now.

Hope this helps!

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Is There Money in YOUR Backyard? Prosperity and Tumbleweeds

As I browse through our forum discussions, I really enjoy myself as I read about all of your experiences and successes. Here’s a copy of one forum post that I felt compelled to share with you now:

“One of the things that helps me overcome doubt and fear and push right through that terror barrier is a little game I have created for myself. It is like the Where’s Waldo of abundance. I actively look for people who are prospering and see that abundance can be born in many creative ways.

“For example, the other day I was on the internet and found an article on a woman who lives in Kansas making 40K a year selling……are you ready for this…….TUMBLEWEEDS! Those awful pesky things that blow across the road and get stuck underneath our cars on the highway, and she is raking it in. It started as a joke because she was merely learning how to create a web site and to her astonishment people placed orders! NASA, Hollywood, and many others. Her idea came to her because there are always so many of them blowing across her land. In jest she believed that was her greatest asset and it turned out to be true.

“I look for these stories now. And the more I look the more I find. The internet, newspapers, conversations I hear in public and so on. I hear people making money in the most amazing ways. The sad thing is that a few years ago I would have read that same article and had an internal temper tantrum because I didn’t think of it. Or that it is not fair that she could discover something like that I was not so blessed to have myself. Once again, competitive and not creative. Now I read it and smile, smile, smile and think that if God smiled down on her with tumbleweeds then there is MOST DEFINITELY something for me. It gives me hope. And for me, this little game helps my terror barrier. I look for the sucess in all those around me and I feel it for myself. Try really hard to not look for the possible failures, because it will be all you see. Hang in there! It is coming…….this is your time. God loves you.”

Much gratitude to everyone who has been willing to share stories and feedback with me over the years. Keep them coming! 🙂 Originally published December 6, 2007

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#18: Making Money from Home

We live in a society today where there are an unlimited number of ways to make money from home (pictured above is just one of those ways). This is my sister-in-law’s Etsy shop, which is really thriving! But no matter who you are, or what you do (or will someday do), if you’re a mom working from home, you face some unique challenges.

Class Description:

Women, especially moms, tend to struggle in business.

  • They get excited about a great idea, and then get hung up trying to figure out how to get their business off the ground.
  • They struggle with all the information that’s out there and trying to figure out what works, and what is just hype.
  • They struggle feeling like they need to have “permission” to invest in themselves and their dreams.
  • They struggle with finding the time they need to pursue their dream because they are so busy taking care of everyone else.

Does any of this sound familiar?  Well, this is typical of women who feel pulled to make a difference and build a business.

Then, how have some women been able to build a successful, fulfilling business AND have the freedom to be with their families?

Carol Lamoreaux wondered the same thing. So she decided to interview women who have built their dream business and chat with them to find out their secrets. In this podcast you can listen in on her interview with me, and learn more about:

  • How to get things done.
  • How to keep the important things important.
  • How to be your authentic self and just go for it!
  • How to keep yourself on track.
  • And more…

Show notes:

Rudy
Why I love my business: it lets me be mom at home
Mistakes women make in business

  • not being themselves (be a better version of yourself instead of someone entirely different)
  • stop trying to please everybody

When building a business, where do you spend most of your time? Can’t go wrong spending time daydreaming about the vision. You don’t have to go the distance, be smarter, faster, etc.
Rely on unseen help, partner with God
I can’t do it by my own strength
Visualizing doesn’t just keep you motivated, it causes lucky breaks and serendipitous experiences
Don’t become enslaved to your business
When lucky breaks become predictable instead of shocking

Productivity Waster: worrying
Feel stuck? serve someone
Even busy work is more productive than worrying
You can’t steer a parked car, and worrying parks your car
Serve someone without expecting a reward
Expand your knowledge or create something that expands someone else’s knowledge
Relationship Capital x Mental Capital = Financial Capital
If you’re worrying about something and then it happens, you’ve lived it twice
Don’t anticipate it

#1 Productivity Habit: visualizing the finished product
Clear vision ensures the greatest efficiency
Sometimes I can only see the next step so I go that far and trust that the step after that will be apparent when I get there
Husband wants to see the 10-20 year picture, but it overwhelms me (the what to do piece)
Favorite tool in my business:
Automation software

Strategies to stay on target:
Allow myself to get off target, seasons of imbalance
Sharon Lechter – standing over feet balance analogy
Be willing to swing
Airplane is off target most of the time, always course-correcting.

How do you fit personal development in?
Not the way we used to. A little bit of reading every day, and spending time with like-minded people who can help us remember who we are and where we’re trying to go.

Advice for someone just getting started: Believe in your dreams, they wouldn’t be there if they weren’t possible.
People will think you’re crazy.
Dog chasing rabbit analogy

When you see it, what to do next becomes instinctive.

What am I doing now that I’m passionate about?
I spent years teaching people how I built a six figure income giving my book away for free – so I’m passionate about giving away my free things 🙂

Free gift for listeners:

Hidden Treasures: Heaven’s Astonishing Help with Your Money Matters – free download at http://www.hiddentreasuresbook.com

More about Carol Lamoreaux:

Need a new website?
Want your current website overhauled?
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Poor Little Genius

What is a “Poor Little Genius”?

A poor little genius is someone who has a wealth of talent hidden inside of them, but who perhaps remains poor because they haven’t figured out how to discover and develop their God-given gifts.

No matter how financially stuck people may feel, everyone is born with the capability of having “genius” ideas.

For example, consider the woman from the midwest who was frustrated with all the tumbleweeds blowing through her back yard which were getting stuck in the fences.

As a joke, she put them up for sale on the internet, and now she runs a business selling tumbleweeds to high-end designers and movie producers.

She probably didn’t recognize her idea as “genius”, but it was. She was simply responding creatively to an annoyance in her life.

So as long as you have annoyances, disappointments, challenges, or setbacks, you have all the right ingredients for a genius idea.

Your genius ideas are right there, floating on the surface of your consciousness, and like that woman, you might not even realize that the subtle idea trying to get YOUR attention could open huge doors for you.

Years ago, when my husband and I were brainstorming on how to recover from a financial setback of our own, we decided it was time for me to finish my third book. However, there was one giant obstacle in the way.  As we worked to overcome that second problem, my husband had an idea, which turned into over forty-thousand dollars in new income within just a couple months.

This idea-generating skill is a skill that can be learned, which is why I’ve worked really hard to create tools and programs that will help YOU identify and develop the genius ideas that are inside of you.

So, don’t be a poor little genius. 😉  Let me help you.

But first…

Say “poor little genius” ten times fast…

…and you’ll probably end up saying the name of my third book.  Here it is, along with a few of the other new “Genius” tools available now to help you figure it out:

I look forward to helping you have a major BREAKTHROUGH this year! Originally published November 12, 2010.

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A Letter to my Children

9/30/2016

Hey older kids,

I just need to get something off my chest, and I’m writing it in a letter so that you can ponder it in private. I don’t want this to become a family conversation, but I want you to be aware, think about how you feel about it, and then prayerfully decide what you can do in your own life to prepare for your future and your family’s future.

As an extended family, we adults are in the middle of a very difficult dilemma with Grandma and Grandpa. They are struggling to make ends meet, especially now that their medications have gone up in price. Ever since their business went from $3000/mo down to about $800/mo, they have needed to ask for help from Aunt T and Uncle K, somewhat regularly, which they have been receiving. They haven’t been asking Uncle S or your Dad (since our setbacks from a few years ago) because they know that it’s already tight for the both of us. However, it IS becoming a burden on the others, so that’s what the family meetings have been about – how we can all share in the burden more.

Everyone is agreeable and willing to help however they can. But there’s a bigger problem at the root, which is not going to go away, but instead get bigger and bigger in the years to come. Our recent pow-wows have been to address the immediate need, but there is no real good plan in place for their long term needs.

There is a real difficulty in the way they think about their finances, and we’re all pretty sure that they’re so set in their ways that it will never change. Emotional attachments are preventing them from seeing resources they already have as opportunities to take better care of themselves. Grandma refuses to pay for her critical diabetes medicine that just tripled in cost, but she’ll keep paying to keep their storage units. In other words, she would rather die than let go of her stuff.

My reason for telling you this is not to make you worry about them or us. We’ve recently started saving 10% every month – a new habit that we finally put in place earlier this year, and so far, so good. I agonize that this was not a habit from the beginning. We always felt two steps behind and could never seem to get in front of it enough to save anything, until the last few years. We didn’t have anyone teaching us how to prepare for the future. There was no Dave Ramsey in our life when you were babies – we’ve always just done the best we knew how, but it wasn’t how it should have been. Our hope is that we’re not too late to get it right. We’re working hard to fix our mistakes, because we don’t want to be a burden on our children. At least with setting aside 10% every month, I feel like we’re doing something right.

Here’s what I want you to know. It’s what I wished I would have known to teach you from the time you were little. You may not feel the concern for your future right now, because you’re young and have a long time before it will bear meaningful fruit, but it’s my hope and prayer that you’ll hear me now and take it to heart.

Uncle E has always been focused on earning as much money as he can – not waiting for the best opportunities, but always staying in motion, earning, saving, working hard, and living as cheaply as he could. He was blessed with a dad who provided him with a good example that way. His dad (Grandpa J) did just that – and saved and worked and focused on building a strong nest egg, so that now he has (I believe) at least a million in the bank, off of which they live only on the interest it earns. So in other words, they are now retired with a never ending flow of money that doesn’t get smaller when they spend it.

On the other hand, your dad’s parents have no savings. They still have to pay rent every month, which can go up, on a luxury apartment plus their storage units. Their cars are falling apart. They can’t afford their medications. Their social security checks are being garnished by the IRS because they went for years without filing their taxes. I think that’s about $50,000 they owe there. They made good money in their business for the last few years, but again didn’t file their taxes for the last four years or so, so the IRS is going to eventually come after them again. Plus, that was self-employment income, so no withholdings, there are going to be hefty self-employment taxes to catch up on.

This kind of thing has been a source of tremendous stress for me over the years, realizing that your Dad and I have to totally do things that we’ve never seen in action, and which he was never taught to do. My mom had the desire to live by the financial principles that Dave Ramsey teaches, but my Dad wasn’t on board and spent the money too freely. So while I got from my mom good ideas, and good self-esteem and a belief that I could accomplish anything, I didn’t get much tactical training on how to handle or manage money either.

Dad has never been inclined to work as hard and as fast as he could for the purpose of accumulating money. His sights were never set on getting ahead – because deep down I think he struggled to believe that he was even capable of doing more than just getting by. You’ll achieve what you believe. I want each of you to believe that you can DO WELL. He has gotten good at trusting God to get us through each week. It’s been a constant exercise of faith, and we have learned how to trust God – because he does come through, but I also believe that God would have us ALL learn to be better stewards, and more profitable producers. We can do better. Our relationship gets strained though, when I try to get us to aim higher. It discourages him instead of motivating him. So I’ve had to stop. I’ve had to find peace with our pace. Saving 10% is the one thing I cling to now, to keep me from getting discouraged at our pace and so instead I choose to be grateful that we’re doing better in that regard than we ever have.

Here’s my plea:

1) Please listen regularly to Dave Ramsey’s shows / podcasts – http://www.daveramsey.com/show/home
At least once a week, if not every day. Pleeeeeeaaaaase. Give your mother some peace of mind, knowing that you’re at least getting the right education that she couldn’t give you. Don’t worry – his shows are funny, motivating, and enlightening, as some of you already know. They will help you think like Uncle E and his dad. My brother has also done well, not as a businessman but as an executive, and I can see now how he got where he is with the same mentality. I don’t know where he got it though – because it didn’t come from my parents.

2) Please save 10% of everything you get. Even if it’s just twenty cents on two dollars. Make it a habit now. When you have something like $300 saved, you can open a savings account with no monthly fees. It feels like a really hard thing, but I promise you it only gets harder the older you get, if it is not viewed as sacred and as untouchable as tithing. What to save for? That was always my question. I never could figure what it was for. Was it for a better car, but then back to zero when it’s spent? Or was it for emergencies? What constituted an emergency, running out of money before the end of the month? That’s why we never saved, because every month had an emergency. Listening to Dave would have helped me figure that piece out. Now we are saving for a very specific purpose, following his baby steps.

3) Follow Dave Ramsey’s 7 Baby Steps. Doing this will keep you focused, and remove all the confusion we’ve always lived with. Listen to his podcast to stay motivated and on track. His teachings are from a Christian perspective, and I’ve seen the good that God can do with a person who lives them.

4) Choose a spouse who is willing to live by these principles. On the first date, ask them, “Are you a Dave Ramsey fan?” No, just kidding. But don’t leave the money question to chance. More divorces happen because of money disagreements than almost any other issue. Your dad and I had zero conversations about money, except: “Let’s not go into debt,” and “Let’s have mom stay home from work.” We agree ~ yay! Success. That was the extent of our money discussion before marriage. Not good enough.

5) If you don’t have enough money to do what you need to do, go make some money. Don’t overthink it, just get busy. Believe that there is someone somewhere who will hire you, no matter what your situation is. Don’t waste time. Don’t wait until you need it before you make it. Make more than you need. Save, save, save. If you aren’t making money for a period of time, and that’s part of a master plan, then make that decision on purpose and just understand that it comes with an opportunity cost. Don’t let it just be a default. Let working hard be your default. Learn to enjoy the feeling of earning money just because you can. Do your work well, even if it’s unpleasant work. Don’t avoid unpleasant work. Enjoy being a producer. At the same time, don’t make it an obsession. Just be steady and wise. Save 10% of your money whether it is a little or a lot. If you put the habit in place and follow it religiously, then the Lord will trust you to stick to it and I believe he will open other doors to you in time.

6) Never stop learning. Read books, and learn from mentors who can help you learn how to be successful at whatever you want to be. Feed your mind. Don’t waste time. In the next twenty to thirty years, there is going to be a WIDE CHASM between your peers who did this, and those who did not. Choose now which side of the chasm you want to be on. Choose now whether you want to be in a predicament like ours or like Grandma/pa’s, or if you want to be free to serve and influence, and enjoy your senior years like Grandma/pa J. We have a whole library of books here at the house. I think I own all of Dave Ramsey’s books, and more. Most of the books on our shelves were recommended to us over the years by people who think like Grandpa J, so even though we can’t teach you by example, we’ve spent a fortune on our success library, so please use it.

To sum up, Aunt T and Uncle E have paid off their house and have no debt. He plans to be retired in the next 5 years, living off of interest from his investments. He will be 50 years old. Your dad and I no longer even own a house. We have no debt, but we have a long way to go before we will have a house paid off. In many ways, we’re totally starting over. Twenty-five years late. Aunt T and Uncle E will be more likely available to serve as mission presidents, etc. God didn’t just bless them with money, he honored their work ethic. We’ve worked crazy hard our whole marriage, but without the foundational habits in place; and without the goals and guidance that Dave Ramsey could have given us, we have hardly anything to show for it. It’s depressing. But it is what it is, and because of the atonement, I believe that as we live what we understand now, God can bless us. We are doing the best we know how. We trust him. If there are assignments that he has in mind for us in the future, I’m confident that he will provide a way for us to be prepared for them, even though we’ve been uninformed for so long. We have a good 20-30 years left to work, so it’s not too late for us (according to Dave), but it won’t be as easy as it would have been, had we started at your age.

I just feel like I would be amiss if I didn’t try now to give you the training that you should have received before. I don’t feel like I can talk about it much in person, because it’s a touchy subject and I don’t want anyone feeling like I am disappointed in them for any reason. I just feel such an urgency to give the warning. What you do with it is up to you. I don’t plan on talking about it further. I know that each one of you is already busy trying to figure out what you should be doing. I honor that. I appreciate you! I’m so proud of each of you and what you have accomplished already – you’re so much farther along than your parents were at your age.

Please believe me, I don’t send this to be pushy. It’s only my own conscience that I’m trying to appease. If I at least say it, and send it, then I can rest. Even if you don’t change a thing about what you’re doing, I can rest having sent this. I KNOW that the Lord’s hand is in your life. I see it. I hope you feel it. You’re already on the right track. I just didn’t want to bring this up later when it could be perceived as an attempt to course-correct you. I’m not trying to do that now. This is on my mind today only because of what we’re going through with the extended family, and some conversations I had with them about it today.

I have no plans to follow up and find out if you decide to accept my advice. Whether you do or not won’t affect me, as much as it will affect you and your future family. So at the very least, just please ponder it.

With love and appreciation for who you are, and the tremendous blessing you have been (and are) in my life,

Mom

PS. A couple other points I forgot to mention:

I believe Uncle K and your other Aunt T are close to paying off their house. Uncle K took DaveRamsey’s course before he got married, and Aunt T was raised with the right mentality. She started a home based business, and he works full time for the benefits and steady income, plus he has his side business. They are focused and working hard while their kids are little, with a very specific plan in place.

Everything I’ve learned, taught, and worked into my books and business are the true principles that help with the BELIEF piece. They are all about learning how to set and achieve goals, and building your confidence if you’re not sure you can achieve your goals. This belief piece is critical, because the right mindset directly and literally opens doors. It’s having that “kind of faith, rare indeed” that CAUSES things to happen, when what you need to happen is beyond your direct control. (Boyd K. Packer) I hope that you’ll also take advantage of the materials I’ve created over the years if and when you get discouraged. I have 3 books, a 12-week ecourse, a 3-day bootcamp, and a 12-week home study course. I also have a blog with over 200 articles. If I die, hear me from the dust through these materials 🙂

Dave Ramsey’s materials help you know what goals to set, and what to DO with your money as you earn it. It’s not a contradiction to what I teach; it pairs perfectly and I wish I had had that extra guidance as we were learning and applying the principles we learned from Bob Proctor.

That is all. Love you ~ enjoy conference!

Mom

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