A public apology to Dave Ramsey

daveramsey

For years I heard about Dave Ramsey and I’m embarrassed to say that (without listening to him myself) I had him pegged as the guy who helps broke people manage their limited supply, while I elevated myself as the teacher who helps people expand their supply.

At first pass, this may appear to be the case. But I want to set the record straight.

Listening to Dave Ramsey’s podcast and daily radio show has become one of the most inspiring, motivating things I do for a number of reasons:

(Pay special attention to reason #2)

1) Dave’s advice is solid. Scripturally sound too, if that matters to you. I honestly wish we had been listening to him back when we first started making a lot of money. If we had, we wouldn’t have nearly lost it all in 2008.

2) The good news is that the principles I teach help you get what you want. The bad news is that the principles I teach help you get what you want. Did you catch that? They work even if you set stupid goals. Dave’s program helps you choose smart goals. REALLY SMART GOALS.

3) In the past, I’ve offered psychological strategies for getting out of debt. While they make sense according to the principles, human beings do a better job getting out of debt by following his advice than they do mine. In time, I hope to update some of my materials to reflect my evolved point of view. My tips may seem good and right as they are, but the fact is, he’s got a longer track record of helping MORE people actually achieve the debt-free goal, and I’m not ashamed to tell you that.

4) I thought Dave was only about managing a limited supply. The truth is, he has a LOT to say about how to expand your cash flow. I never realized that before! Combine his tips with the principles you’ve been learning from me, and holy moly, you’d be unstoppable.

5) I thought Dave’s audience was only low income wage earners, and that high earning entrepreneurs had nothing to learn from him. GASP! Those of you who are already fans of his know how wrong I was. He has SMART guidance for helping you increase your income through entrepreneurship, if that is one of your goals.

6) The principles I teach are a powerful and appropriate rescue when you’re in crisis. But once you get on your feet and start building for your future, his advice will keep you on a solid path. It will keep you out of debt. It will keep you prepared for emergencies, it will keep you on track toward building wealth, and prepare you to give like no one else. At any point along the way, if you face another crisis, apply what you’ve learned from me to exercise faith and get yourself back on track quickly. Use the principles to achieve his baby steps in record time!

7) His baby step goals do not have to replace the goals you already have… but I do encourage you to listen to his podcast for a couple weeks and consider following his advice on what would be the smartest ORDER for obtaining them.

8) He’s entertaining and seriously MOTIVATIONAL! There’s nothing more powerful than hearing people accomplish seemingly impossible things. Like paying off your house in your 20s, or paying off $500,000 in student loan debts in only three years, starting out making only $50K/year. We’ve already made more progress since listening to him than we were making before.

9) Dave loves to point out how most people who follow his baby steps usually end up getting raises, promotions, or increased business revenue in the process. He says that God tends to bless the person who is on the right path, and I believe that wholeheartedly.

10) Some people disagree with his investment recommendations. I’m not qualified to comment on those. But I do appreciate the education I’ve been receiving, so that I can at least make more informed choices than I’ve been able to make in the past.

Oh, there are plenty of other reasons I’m excited about Dave Ramsey and what I’ve been learning, but just so you know, getting paid to promote him is NOT one of them. He doesn’t know me from Adam – I’m just another one of his listeners.

I just know that if you are feeling a little uncertain about what goals you should choose next, or uncertain about how to get out of debt, or uncertain about how to do what needs to be done without going into more debt, or if you just want to know what it feels like to not HAVE any, then I wholeheartedly encourage you to listen to his daily radio show or podcast.

I have colleagues who do not agree with his philosophies. I have colleagues who don’t agree with me, either. I don’t always say the same thing as other mentors or gurus (here’s why). The fact is, different mentors’ messages have had particular application to our situation at different times along the way.

But these recent years have been the right time for us to learn from Dave.

At other times, other mentors have been right for us, even when they had different counsel for us than what Dave would have taught. It’s all good. It’s all about getting the right advice at the right time. Not always because it is necessarily the best, but because sometimes we need to learn something from the experience, which helps us become more effective teachers.

(Remember the sidewalk and picnic analogy at the beginning of The Jackrabbit Factor free download?)

Some of the advice we’ve received over the years has been very expensive and painful – but the lessons we learned had a purpose. Without those lessons and life experiences, I never would have become the award-winning three-time international bestseller of The Jackrabbit Factor, Hidden Treasures: Heaven’s Astonishing Help with Your Money Matters, and Portal to Genius

So… I guess it’s okay.

Still, I would have preferred to learn my lessons from other people’s mistakes (such as Dave’s) instead of my own. It would have been so much faster! It might be faster for you, too.

Anyway, Dave’s message may not be right for everyone right now (for whatever reason) but it’s a whole lot MORE right for more people than I ever gave him credit for.

Sorry, Dave!

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Funny Story – Someone Should Have Called the Cops on ME

Some time ago I was in Utah with my husband and two of my kids for a conference, and while we were there, I needed to pick up some books from Garrett Gunderson, my co-author for Portal to Genius.

I love telling people about his book, Killing Sacred Cows, and needed some more to have on hand for my local events.

(Both books are very much worth reading, by the way.)

I texted Garrett while I was there, and since it was on a weekend and nobody was in his office, my only other option on short notice was to pick some of the books up from his home.

He responded, “I’m out of town, so just go get some from the garage in the back of my house. We have some friends staying there in an RV out front – just tell them why you’re there if they ask.”

I rounded the corner to his home and pulled up in front.  “I’ll just be a minute, kids.”

The house was dark, and so was the RV, so I just went to the gate, followed his instructions on how to get in, and made my way to the back garage.  The door was ajar, so I let myself in.

A quick scan of the area produced nothing – I couldn’t find any books – so I texted Garrett again for better instructions.  He didn’t answer, so I called my husband.  “Can you try to get a hold of Garrett and ask him where in the garage are the books?”

A few minutes later, he came back with, “You were supposed to do this tricky latch thing with the gate…”

“Yeah, I did that; I’m already in the garage – where are the books?”

“He said they’re in the back garage…”

“Yeah, I know; I AM in the back garage. Where in the garage are these books supposed to be?”

“He just said it would be obvious.  There’s 5,000 books in there.”

I was stumped.  I looked around, and I saw nothing but 3 cars and some tools, and a few large RubberMaid-style plastic bins – not the best for book storage, and no way there would be room inside those bins for 5,000 anyway.  I checked the rafters above me. I prowled between all three of the cars, scanning every square inch, thinking I must be blind.

Why don’t his directions make any sense? Why aren’t they producing the results that he promised?

I came out of the garage and walked out to the front again.  I turned around and retraced the same steps, following the directions perfectly. I prowled around the darkly lit back yard a bit, double-checking to make sure there wasn’t another back garage somewhere, and ended up back in the same garage with no greater insight than I had before.

I called Trevan again. “Honey, there are NO books in here – and nowhere to hide 5,000 of them anyway.  I’m sure if this pile of books was a snake it would’ve already bit me… but I’m stumped.  Will you call Garrett again?”

Trevan ended up calling Garrett two or three times. He told Garrett, “She can’t find them.”

Garrett responded, “I don’t know how she could miss them! Is she in the back garage?””

“She says she’s in there, and she’s not seeing them.”

To be perfectly truthful, I was getting REALLY frustrated with Garrett for not being more specific, and for not taking my frustration seriously enough to give me some useful instructions.  I felt like he was ignoring my question, leaving me to figure it all out on my own, and I was already late for an appointment and increasingly annoyed at my predicament.  Why won’t he just tell me something more specific like, “The books are in the north-west corner next to the white SUV” or something like that?

Finally, after going in and out three times and scouring the place, I came back to my car and took a deep breath.  Glancing up, I noticed there was another RV parked out front of the neighbor’s house next door, too.

Then it dawned on me.

I was in the wrong house altogether.  I had been prowling inside a stranger’s home; trespassing, combing their property for something that didn’t exist. Once I put myself in the right location, the instructions finally worked.  I met Garrett’s house guest, did the tricky latch thing, found the back garage, and retrieved the books.

Now for the lesson. (Of course, you knew I’d find an object lesson in this, didn’t you?)

Here it goes:

How often do you take advice on how to get what you want out of life, only to find that those instructions don’t produce the promised results?

Garrett promised there were thousands of books waiting for me – an abundance of what I wanted – and his instructions were perfectly accurate.  The fact that I could not receive them was not his fault.  The blame rested squarely upon my own shoulders for not making sure I was first oriented to the location that was supposed to be the starting point.

Perhaps you’ve found hope through various books, audios, or events from me or other teachers of success principles, but are having trouble experiencing the promised results.  If that’s the case, then let’s take a step back and find out if you’re in the right starting point for utilizing those instructions, shall we?

When you don’t achieve the results you expect, “check the address”.

The Mindset Mastery Program can help.  It opens wide its arms to gather in all who struggle to see results, and brings them first to square ONE.  If you’ll allow me to bring you to square ONE, then from there, the program walks you step-by-step through an experience where you will get a taste of intentional success with something small, and then gives you the courage and confidence to apply the process to bigger and better things.  In fact, once you’ve experienced intentional success in spite of the obstacles once, and your brain has developed those new neural pathways for success, doing it again for bigger life-goals is a whole lot easier.

We have countless participants who get through the program and then repeat it again, the next time for something bigger and even more amazing.

No matter where you are now, after you let me guide you to square ONE, the Mindset Mastery Program takes you to the next level and beyond. If you’re not ready for the full program, you can get your feet wet, and see if there’s really anything “to” this by starting with the very affordable Mindset Fundamentals Ecourse.

Get started today.  I look forward to assisting you!

www.prosperthefamily.com

Leslie

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The Tide Always Comes Back

The Law of Vibration (you may have heard people call it the Law of Attraction) is a natural law of the Universe. In other words, so long as you live in harmony with the law, all that you need to accomplish your goals can become available to you in a natural way.

But one less-discussed aspect of the law is how we need to maintain peace of mind during the process. We need to calm down and allow nature to run its course. Let me cite three examples in nature:

  1. You don’t rush a baby; whenever possible, you let it have 9 months to develop.
  2. You can’t rush a seedling; pulling on it to make it grow faster will cause it to die.
  3. You can’t rush the tide; it must go all the way out before it will begin to come all the way back in.

Life has its ups and downs. It is the natural rhythm of life. In order to succeed, we must learn to ride the tide instead of fighting it. How do we do that? How do we continue to hope in the middle of a setback?

When you’re on a “down,” know that the up is on its way, just as the tide comes in and goes out, predictably. When you worry that things are going badly and you can’t see the end of your misfortune, just remember that nature simply doesn’t operate that way.

Don’t get trapped in a downward emotional spiral by thinking that things are bad and only going to get worse! That is just as absurd as watching the tide go out and thinking:

“Oh dear. There goes our shoreline forever! I suppose the whole ocean is going to disappear!”

Be patient. Look for evidence that the tide is returning. Look for evidence that things are turning around for YOU. Look for evidence of it on your horizon. If you look hard enough, you’ll find it. And as you focus on an upturn of events, you will begin to experience more of them. By law.

If the tide doesn’t seem to turn around as quickly as you hoped, think on this: you must plant your dream seeds properly (as outlined in The Mindset Fundamentals Ecourse), and then relax. You’ve got to simply go about your activities in a peaceful way, knowing that because you planted the seed, nature is now taking time to do her part, too.

How can you apply these ideas?

Let’s switch back to the seed analogy. The minute you start to feel anxiety about your goal is the same minute you must remember the seedling. Just because you don’t see the fruit yet, know that it is coming. You might not even see the sprout, but you trust that something is happening beneath the soil.

That’s how I try to approach my goals. I plant them by doing what Richard did in The Jackrabbit Factor, and then I take the actions that come to mind in a calm, deliberate way. I might go a long time before I see any evidence that my efforts have made a difference. But I know they have, so I keep on keeping on, expecting that in time, I’ll see a sprout.

Furthermore, when I see a little sprout pop through the surface of the ground, I don’t pull on it to try and make it bring fruit immediately. Patience and confidence are two of the most critical elements of success.

Confidence is important because it is by your faith that the seed continues to grow. Don’t forget how much influence your thoughts have over the circumstances you experience.

Maintain faith. Believing is a choice. You can choose to believe in ultimate success.

No matter how bad things appear to be now, nature guarantees a turn for the better. Look forward to it.

To my serious readers who are ready for a breakthrough: begin your life-changing journey with me in the Mindset Mastery Program. If you’re not ready to take the leap, then let’s at least make sure your foundation is strong with the Fundamentals Ecourse.

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The Unexpected Cure for Doubt

I remember when my husband and I were trying to live on about $1200/month.  We were both working full time and fighting a losing battle to stay afloat.

We listened to motivational audios that urged us to believe in our dreams, and we knew that we could have any kind of life we really wanted, but when it came right down to it, it was always impossible to see where any extra money would ever come from.

I can see now that at the time, having faith in the face of scarcity was an impossible expectation.  Here’s why:

The thing that made it so difficult is that we knew exactly how much money we were getting, and we also knew just how much our expenses exceeded that income.

If true financial success cannot be achieved without at least some degree of FAITH (believing in something without tangible evidence), how in the world is a person supposed to have that kind of faith when all evidence proves that it’s utterly impossible?

I learned that there are three things that, over the years, helped me build that necessary faith.

  1. Continuing Education – learning new marketable skills and studying the laws of success
  2. Work – investing time, money, and energy in other income streams outside of our regular jobs.  (Even when they didn’t produce a profit – and they didn’t – for nearly 10 years!)
  3. Choosing to Believe in God, and believing that He was interested in our success – and trusting that it was being orchestrated, if we’d just kept moving our feet.

For nearly a decade, we worked and studied, and worked some more.  We believed the abundance would have to find us sometime, if we just kept trying.

It makes me think about the early settlers of my desert region:

There were a lot of ditches to dig and canals to build before they were prepared to utilize a flow of water.  I’m sure it took many, many years to put those systems in place.

As you explore your talents and look for new ways to monetize them, just picture yourself digging ditches and building canals.  It’s so easy to think that a massive, sudden flow of money would solve all of your problems, but in reality, that gush could be just as devastating as a flash flood in a valley where the settlers are trying to create a system for a steady, constant supply of water.

You don’t want the gush until your systems are in place!

It dawned on me that after my husband took the leap toward full-time self-employment (when we really couldn’t predict exactly where the money would come from like we could when we had a regular paycheck), the more trenches we dug, the easier it was to have faith in God.

Isn’t that interesting?

Having put forth so much unrewarded effort for so long, in the face of scarcity, instead of saying, “I can’t think of a single place the money could come from,”  we could more easily say, “The water could come from any one of the hundreds of trenches we dug all those years!”

Compared to our first few years together, how much easier it now was to finally believe!  How much easier it was to have faith!  And faith is the critical element.  All the work in the world without faith can be just as useless as all the faith you can muster without work.

As they say, “Faith without works is dead.”  Truly without some personal effort, faith is meaningless.  Why? Because you demonstrate your faith BY working! You’re proving your belief in the abundant life by putting forth the effort to get those money-making systems in place.

And, when faith is low, work can help it grow, too.  This is why the unexpected cure for doubt in my opinion is: Education, and WORK.

If you can’t think of where to get the money you need, shift your focus to increasing your knowledge, and get to work finding some kind of meaningful services you can perform for others.

God did not bring you this far to fail now… stay in forward motion.  Your reward is waiting for you!

For a first-class education in the principles of prosperity, join me in the Mindset Mastery Program!

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