How to Bounce Back

You can bounce back from challenges even if you feel stuck. I met a guy, probably 11 years younger than me. But this guy inspired me. He had challenges in school that made him late in his school years compared to his age. After having a conversation with him, I can say he is now more advanced compared to his age group and he can be successful.

He caught my attention as I can overhear his conversation with his friend in the gym. They were talking about self-help books that I just read when I started working. He started reading self-development books at the age of 17. I told him that if I can go back at his age then I would do what he is doing. He is on the right path. He is reading books and consistently working out. He strengthens his body and mind.

He shared that lockdown has helped him as he had a lot of time reading books and working out. His way of thinking is advanced. He told me that he was thankful for the setback he experienced at a young age. He shared that it made him tougher. Even if there will be challenges in the future, which is unavoidable as he said, he can surpass them too. Kudos to you bro.

My key takeaway is that you just have to divert your attention and activities from bad to good habits. Everything will follow.

The Lollapalooza Effect

Charlie Munger shared in his speech at Harvard University the lollapalooza effect. It occurs when different tendencies or mental models combined to act in the same direction provide a greater result. It is like synergy, 1 plus 1 is not 2 but 3 or more. The outcome is much bigger than the sum of the parts.

One of their investments that yielded great returns was their investment in Coca-Cola. Here are the factors that contributed to the Lollapalooza effect on Coca Cola:

1. Great product

2. Powerful stimulants – sugar and caffeine

3. Availability – it is available in every supermarket

4. Clever marketing – “the brain of man yearns for the type of beverage held by the pretty woman he can’t have”

5. Social proofing – almost everybody drinks it

Identify the Dont’s

Always start by identifying the dont’s. This is applicable in life and investing as well. Most of the ideas here came from the book of Billionaire Charlie Munger Poor Charlie’s Almanack. It is better to stay within the circle of your competencies and be consistently not stupid than to be intelligent with many things. In investing, identify the industries or niches wherein you have an edge. After you have identified your circle of competence work on expanding it. I can relate this to the ideas from the book Unfair Advantage wherein it was discussed that it is better to use and leverage your unfair advantage. Many successful entrepreneurs also say that focus on your strengths and delegate your weaknesses. It is counterintuitive to what I have learned in school. I was advised to always improve my weaknesses. 

With this thinking model of identifying the don’ts. You may start by identifying the industries or niches that you have to avoid. You may also apply this in your career or business. For example, billionaires Charlie Munger and Warren Buffet have avoided tech companies for many years. To simplify this thinking model, Charlie Munger said “All I want to know is where I’m going to die so I’ll never go there.”

If you like more content like this, I invite you to join me in my book club for free, just visit KevinUmali.com/free

Aim for Less to Have More

If you aim for 1 million dollars and you just have 100,000 dollars, you might feel 900,000 dollars lacking. That 900,000 dollars make more people empty as they slave away in achieving and working towards the 900,000 dollars.

The better approach is to be happy and grateful for what you have while being excited about things you would like to achieve. Keep on dreaming big but remember it is not the outcome but the journey. The million dollars is not the goal but the hard work itself must be the goal. What you feel right now will just be the same when you reach your goal.

Begin the With an End in Mind

I found the podcast Y combinator that shares lessons on how to start a start-up. My key takeaway is that we have to focus on what matters most and that is providing solutions to end-users. Paul Graham discusses that most of the new founders focus on tricks and hacks like how to grow the business and how to get funding. As an investor, Paul Graham says that everything follows when you are valuable or offering solutions to your customers.

One of the 7 Habits of Highly Effective People is that they begin with an end in mind. I can relate this from what Paul Graham shared. Whether we are in starting a start-up or working as an employee we must make everything lean by focusing on what is our main objective.

Consistency is Everything

Showing up every day is the key to whatever you want to achieve. I am currently building the character of consistency. Last year I had a chance to work out 5 days a week for two months. It made me realize that when I can be consistent in one thing then I can anchor that to be consistent in another aspect of my life.

This year I made a goal to write and publish every day. I am on my 22nd day. There are days that I feel lazy but the sense of having this streak is like I don’t want to break this chain. I can see a lot of improvement in my life and my work that I can say came from this daily habit of writing. 

To make this possible, I made some rules and one of those is I don’t aim for perfection. There might be some grammatical errors and I am letting myself have some mistakes. My objective is simple and clear. I just want to be consistent and won’t let perfection hinders me.

There is a story wherein two groups of students were learning photography. The first group was instructed to take many photos. The second group was asked to take a few photos but ensure that they take only quality photos. At the end of the activity, the group who took many photos without much considering the quality was able to learn faster and better. 

If you want to avoid being overwhelmed then just aim to do it 100 times. I learn this law of 100 from Noah Kagan. I can say it is a good initial goal. It is more like an acid test if you like what you are doing. It is also a true habit builder. I read a lot about the 21 days in building habits. I am at 22nd days now of writing and I feel like it is a good stretch to make it to 100. It feels like I am in the challenge zone.

What will be your anchor for consistency?

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Gamechangers Documentary Review

I have watch the Gamechangers documentary in Netflix and I can say this has changed my mind. It debunked a lot of beliefs about eating meat. It also exposes how the script and beliefs about eating meat was established. But what I liked the most are the benefits of a plant based diet. I looked for the reviews of the book How Not to Die and it delivers the same lessons. Here are the benefits of following plant based diet:

  • Optimal Fuel

Plant based diet provides you the glycogen, fuel for your body and glucose, the fuel for your brain. These can be found on unrefined carbohydrates like oats, sweet potatoes and banana.

  • Increased Blood Flow

Animal based meal thickens our blood and cripple our arteries. In effect, there is like a traffic jam in our blood flow. Plant based food keep our blood flowing easily.

In the movie, they have shown a quick experiment on athletes that ate animal based meal and plant based meal. After each meal, one group of athletes had a blood tests while the other group of athletes have an overnight monitoring of their private parts. The effects of plant based meals are way better. You better watch the movie. 

  • Improved muscle efficiency

 There are athletes not just athletes but top performing athletes who gave testimonials on the effect of plant based diet in their career. They experienced better performance. They also experienced faster recovery and lesser and faster inflammation.

If you want to learn more about the plant based diet, just visit gamechangersmovie.com

Think and Grow Rich Book Review, Summary and Notes

Think and Grow Rich was published in 1937. This book is at the Apex of self development. This book sold over $15 million copies.

Napoleon Hill was able to interview 500 rich and successful people and distilled the principles into this book: Think and Grow Rich

Big Ideas

Definiteness of Purpose

” Truly, thoughts are things, and powerful things at that, when they are mixed with definiteness of purpose, persistence, and a burning desire for their translation into riches, or other material objects.”

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“Every human being who reaches the age of understanding of the purpose of money wishes for it. Wishing will not bring riches. But desiring riches with a state of mind that becomes an obsession, then planning definite ways and means to acquire riches, and backing those plans with persistence which does not recognize failure, will bring riches.”

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

What is it that you want? You have to be definite and clear on what you want. It starts with definiteness of purpose then having a burning desire to achieve it. You have control your thoughts. Burning desire plus actions equals success.

Burning desire

Burning desire with definite plan plus persistent and consistent action equals success.

  1. Be specific
  2. What are you going to give in return.
  3. Specific date
  4. Create a definite plan
  5. Write it into a statement
  6. Read statement twice a day

Persistency

“Before success comes in any man’s life, he is sure to meet with much temporary defeat, and, perhaps, some failure. When defeat overtakes a man, the easiest and most logical thing to do is to quit. That is exactly what the majority of men do. More than five hundred of the most successful men this country has ever known told the author their greatest success came just one step beyond the point at which defeat had overtaken them.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

Become an unstoppable force. Keep on doing and doing. Consistency is the key. Napoleon Hill shared the story of Henry Ford when he gave an instruction to his engineers to develop a V8 engine. First few months, his engineers give up on the idea but Henry Ford never gave up and persistently pursue his idea of V8 engine.

Sexual energy

Here is the hierarchy of the strongest stimulants:

  1. Sex
  2. Love
  3. Desire for riches
  4. Music
  5. Friendship

Transmute the sexual energy into a desire in creative energy and taking action. 

Ghosts of fear

These are the six fears that hold people back according to Napoleon Hill in his book Think and Grow Rich:

Fear of poverty

The number one symptom is indifference towards money and lack of ambition. It can be cured by accepting that whatever you get is enough as long as you give your best.

Fear of Criticism

This fear inhibits you in making decision and taking action. The cure is to accept the reality that no body cares and think about you.

Fear of ill health

It is when you justify laziness with any minor symptoms.

Fear of loss of love ones

One of the common symptom is jealousy. Accept that you yourself is enough. I remember what Iron Man told Spider Man when he took away the high tech suit, “If you are nothing without the suit, then you don’t deserve it.”

Fear of old age

People may stop taking action for they think they are too old. Accept that everybody gets old and start looking on positive outcome of growing old like being wiser.

Fear of death

Habit of thinking of dying. Everybody will die so better accept it and see the beauty of it. Just like what Stoicism tell about loving your fate – “Amor Fati”.

In general, you can conquer all of these fears by just having no attachment and letting go. Accepting what you cant change and loving your fate. 

Quotes from the book Think and Grow Rich

“The starting point of all achievement is DESIRE. Keep this constantly in mind. Weak desire brings weak results, just as a small fire makes a small amount of heat.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“You are the master of your destiny. You can influence, direct and control your own environment. You can make your life what you want it to be.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“When defeat comes, accept it as a signal that your plans are not sound, rebuild those plans, and set sail once more toward your coveted goal.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“Set your mind on a definite goal and observe how quickly the world stands aside to let you pass.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“The way of success is the way of continuous pursuit of knowledge.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“Happiness is found in doing, not merely possessing.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“A quitter never wins-and-a winner never quits.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“An educated man is not, necessarily, one who has an abundance of general or specialized knowledge. An educated man is one who has so developed the faculties of his mind that he may acquire anything he wants, or its equivalent, without violating the rights of others.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“Every adversity, every failure, every heartbreak, carries with it the seed of an equal or greater benefit.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“More gold had been mined from the mind of men than the earth it self”

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“Opinions are the cheapest commodities on earth. Everyone has a flock of opinions ready to be wished upon anyone who will accept them. If you are influenced by “opinions” when you reach DECISIONS, you will not succeed in any undertaking.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“We refuse to believe that which we don’t understand.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“I will eliminate hatred, envy, jealousy, selfishness, and cynicism, by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“To win the big stakes in this changed world, you must catch the spirit of the great pioneers of the past, whose dreams have given to civilization all that it has of value, the spirit that serves as the life-blood of our own country – your opportunity and mine, to develop and market our talents.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“There is a difference between WISHING for a thing and being READY to receive it. No one is ready for a thing, until he believes he can acquire it. The state of mind must be BELIEF, not mere hope or wish. Open-mindedness is essential for belief.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“Put your foot upon the neck of the fear of criticism by reaching a decision not to worry about what other people think, do, or say.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“Perhaps we shall learn, as we pass through this age, that the ‘other self” is more powerful than the physical self we see when we look into a mirror.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“One who has loved truly, can never lose entirely. Love is whimsical and temperamental. Its nature is ephemeral, and transitory. It comes when it pleases,and goes away without warning. Accept and enjoy it while it remains, but spend no time worrying about its departure. Worry will never bring it back.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“Helen Keller became deaf, dumb, and blind shortly after birth. Despite her greatest misfortune, she has written her name indelibly in the pages of the history of the great. Her entire life has served as evidence that no one is ever defeated until defeat has been accepted as reality.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“There are no limitations to the mind except those that we acknowledge.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“Those who succeed in an outstanding way seldom do so before the age of 40. More often, they do not strike their real pace until they are well beyond the age of 50.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“If you do not conquer self, you will be conquered by self.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“TELL THE WORLD WHAT YOU INTEND TO DO, BUT FIRST SHOW IT.This is the equivalent of saying “deeds, and not words, are what count most.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“Remember, too,that all who succeed in life get off to a bad start, and pass through many heartbreaking struggles before they “arrive”. The turning point in the lives of those who succeed usually comes at some moment of crisis, through which they are introduced to their “other selves”.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“You’ve got to be sure of yourself before

You can ever win a prize.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“Neglecting to broaden their view has kept some people doing one thing all their lives.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“Remember that it is not the lawyer who knows the most law, but the one who best prepares his case, who wins.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“IF – and this is the greatest of them all – I had the courage to see myself as I reallyam, I would find out what is wrong with me, and correct it, then I might have a chance to profit by my mistakes and learn something from the experience of others,for I know that there is something WRONG with me, or I would now be where I WOULD HAVE BEEN IF I had spent more time analyzing my weaknesses, and less time building alibis to cover them.” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

“If you give up before your goal has been reached, you are a “quitter.” A QUITTER NEVER WINS AND A WINNER NEVER QUITS. Lift this sentence out, write it on a piece of paper in letters an inch high, and place it where you will see it every night before you go to sleep, and every morning before you go to work” 

― Napoleon Hill, Think and Grow Rich: The Landmark Bestseller Now Revised and Updated for the 21st Century

The Miracle Morning by Hal Elrod Book Review, Summary and Notes

If you would like to transform your life, this book is a good guide. It will help you to improve every aspect of your life. By setting aside time every morning to develop yourself, you can turn every aspect of your life into success.

The Miracle Morning is composed of 6- step morning routine using 6 Life S.A.V.E.R.S. : Silence, Affirmations, Visualizations, Exercise, Reading and Scribing.

Silence

This practice includes, meditation, prayer, reflection, deep breathing and gratitude. Benefits are stress reduction, better concentration, metabolism, improves self awareness and clarity. Better if you do this not on you bed.

Affirmation

Words are powerful. By managing your self-talk, you can program your sub-concious mind. You can program yourself to be confident. With repitition, your sub-concious mind will believe your self talk. Tap into emotion while you read or say your affirmations.

Visualizations

Rehearse your success in your mind as if it is already happening. Imagine what you want to achieve. It also includes mentally rehearsing what you’ll need to do to achieve it.

Exercise

Movement will boost your energy and elevate your health. Do exercise everyday even for a few minutes.

Reading

Learn from the people who already got what you want. The fastest way to achieve what you want is to model success people who already have what you want.

Scribing

Document your ideas, insights and opportunities. Make sure to also review your journal regularly.

How to not snooze your alarm

  1. Set intentions the night before
  2. Move you alarm clock away from your bed
  3. Open the light right away
  4. Brush your teeth and wash your face
  5. Drink a glass of water
  6. Change clothes or take a shower. Better if you can set a timer for your bedroom heater.

If you like personal development contents like this, I invite you to join me in my book club and mentor tips news letter for free. Just visit KevinUmali.com/free

Automatic Millionaire Book Review, Summary and Notes

Pay Yourself First

You have to pay yourself by automatically setting aside money that goes to your retirement account. Automating the investment process minimizes the friction.

“Life is not easy. But that’s not the only truth that matters in this context. It also happens to be true that it takes just as much effort to have a “bad life,” in which you don’t get what you want, as it does to have a “good life,” where you do. So given the choice, why not go for the good life?” 

 David Bach

Latte Factor

An audience of David Bach claims that she cant save 10 dollars per day. So they reviewed the daily expenses and noted that the audience spends $5 on latte and muffin and another $6 dollars on juice and power bar. If she invested it in retirement plan that provides 10% per year of return then that would be $1.2 Million dollars by the time she turns 65. 

Based on Millionaire Fastlane of MJ Demarco, this is considered as the slow lane in building wealth.

David Bach said that it is not only about cutting on your latte but considering small expenses like cigarettes, magazine subscription which could be redirected in paying your mortgage or retirement plan.

In the book I Will Teach You to Be Rich by Ramit Sethi, he is not supporting the latte factor but more into considering big wins. Big wins may be negotiating your salary, finding higher paying job and etc.

Latte factor may be a good tool on mindfulness. It can help you to reassess the small expenses that may not be helping you but rather hurting you like expenses on vices. If you cut back on harmful vices, you can save money while helping yourself out from such vices.

At the end of the day, it won’t do harm if you do both. Look for big wins while also being mindful on your expenses.

“Money is not an end in itself. It is merely a tool to help us achieve some particular goal. If the way we handle our money conflicts with our personal values, we are not going to wind up living happy and fulfilled lives.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

Make it Automatic

Making your investment automatic diminishes the friction. It helps you to be consistent in investing. As what the book The Psychology of Money, behavior matters more than the intelligence when it comes to winning the money game. Reasonable over rational will also keep you on the money game. 

It was also suggested to automate your tithes and debt payments. 

If you like contents like this, I invite you to join me in my book club and mentor tips newsletter for free, just visit KevinUmali.com/free

Noteable quotes from the book

“Without values, goals rarely get accomplished . . . Values are the key. When you understand them correctly, they will pull you toward to your dreams — which is a lot wetter than having to push yourself!” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“It’s hard to be depressed when you are excited about your future, and that’s what dreams do: They make us believe that tomorrow is going to be better than today.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“what determines your wealth is not how much you make but how much you keep of what you make.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“It’s neither safe nor practical to assume that man in your life can be counted on to take care of your finances.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Warren Buffett once put it: “The most important thing to do when you find yourself in a hole is to stop digging.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Whenever someone tells me she is a procrastinator, I respond by asking them, “Did you eat this week?” Of course, the person will always answer yes. The fact is, no one procrastinates all the time. What you may be is a selective procrastinator — which means that if something is important enough (like eating), you are perfectly capable of taking care of it right away.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Albert Einstein once said that the most miraculous phenomenon he knew was the miracle of compound interest.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“What would you do if you knew you couldn’t fail?” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“In fact, studies show that less than 1 percent of Americans write down specific goals for themselves each year. That’s a shame, because writing down your goals is powerful.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Social security was never intended to be a retirement plan. At most, it was designed to provide an income supplement.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“… keep your nest egg growing faster than inflation isn’t all that hard.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

[Many people] plunge into all sorts of detail about what they want to accomplish, what investment they should buy, and where they want to be, without fist making sure they know where they stand now.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“In all, working women currently earn more than $1 trillion a year and account for upwards of 52 percent of all earned household income in this country. There are currently over 9 million female-owned businesses in America, generating more than $3.6 trillion in annual revenues.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“The fact is, none of us really has a choice: We are all playing the money game whether we want to or not. The only question is: Are we winning?”

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“women are less likely to have a steady income stream over the course of their lifetimes. In some cases, that’s due to discrimination, but it’s also due to the fact that responsibilities such as child rearing and caring for elderly parents cause women to move in and out of the workforce a lot more than men do. In all, over their working lifetimes, women spend a total of 11½ years off the job on average, versus only 16 months for men.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“When it comes to money, just having heard of something isn’t enough; you’ve got to know what it means.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“It’s not what you know about money—it’s what you don’t know that can wipe you out.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Don’t ever put your entire financial fate in someone else’s hands.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Specificity transforms a vague dream into a concrete, achievable goals. If you can practically see, hear, feel, and smell a goal, the chances are excellent that you’ll not only know what’s required to make t real, you’ll actually do what’s required to make it real.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“If you don’t know where you’re going, you might not like where you end up.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Remember, inspiration unused is merely entertainment. To get new results, you need to take new actions.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Love has nothing to do with money. It doesn’t matter if you love your spouse or partner more than anything in the world. If the two of you have conflicting values about money and make financial decisions that fail to accommodate each other’s feelings about the subject, you are going to have serious relationship problems.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“There is no denying the lesson these numbers teach us. The future is going to be expensive.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Your health doesn’t just happen; it’s not something that takes care of itself as you go through life. You can’t leave your health in someone else’s hands, and the same goes for your wealth. They’re both completely in your hands.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“If your money is not helping you make your life better, then something is wrong. Chances are you’re not making a connection between your values and the role obey plays in your life.” 

― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams