I’m going to ask you a very simple question and I want you to answer it as honestly and in as much detail as you can. Okay….are you ready for it? Here it is. How do you pick an apple?

I know….tough question right? So take a moment to think about it.

So what was your answer? Just for fun, let’s see how you measure up to the answers of others. The most common answer to this question would go something like this: Well, I stand under the tree. I reach out with my arm, open my hand, grasp the apple firmly and yank the apple downward. That my friend, is how I pick an apple!

So was that somewhere close to your answer or were you a bit more analytical in the exact same process? Maybe your answer wasn’t even anywhere close to the same. Maybe yours involved a longer process, the true process of picking an apple.

So here’s the correct way to pick an apple:

1. You pick a spot of land. Preferably on your own land.
2. You dig a hole.
3. You buy the tree.
4. You put the tree in the hole.
5. You water the tree.
6. You fertilize the tree.
7. You brace the tree up to protect it from the wind.
8. You put a fence around the tree to protect it from wildlife, such as Elk and Deer.
9. You spray it with chemicals to protect it from insects.
10. You trim the tree from time to time.
11. You then repeat steps 5 and 6, until one day, your tree finally produces apples.
12. You then, stand under your tree, reach out and pick the apple!

That, my friends, is the way to pick an apple! Would it have been easier if I had given you another question as an example, such as: How do you become wealthy? You don’t just reach out an grab the money. There is a process that comes before you “pick the apple”, or get the money.

So many people, in fact the majority of people, prefer to just simply “pick the apple.” They want someone else to take care of the “process” for them, which is exactly why most people will never get to pick the apple or become wealthy. You can’t just skip to the end. That’s a fairytale. Luckily, with modernization and grocery stores, we have people who take care of “process” so that we don’t technically have to pick the apple. That’s their way to create wealth and unfortunately, you can’t just pick up a box of wealth at the store like you can an apple. You must go through the process of creating wealth for yourself.

I teach others how to go through the process, but you must be willing to put in the time and effort before you can reap the reward. But, the process is proven….meaning, it works. I, along with thousands of others, have done it. It’s a lot like picking an apple, but with a few more steps along the way. If you can follow steps, bring a little creativity and a lot of ambition, you too can become wealthy!

This is going to be a topic of common sense that many of you are already aware of. But quite frankly, so many people lack common sense. What seems clear to one might be completely confusing to another.

Many of the terms we use in the English language are simply descriptions for the absence of something or the lack of something. These “terms” are ways to describe things that exist but are not tangible, yet, at times you can see them and feel them and at times these “terms”, if allowed to, can effect your thoughts. Now we all know that thoughts are energy and will eventually turn into action should the thought remain consistently.

Here’s an example: Darkness! It exists. You can see it and one might say that the darkness was so thick you could feel it. I think we would all agree that darkness can definitely effect ones thoughts and actions. I know full grown adults that still will not go out in the dark by themselves to take out the trash. It is something that generates that state if mind that we all know too well, it’s called fear. Darkness restricts movement, vision and ones ability to act normally. So what is darkness? Darkness is simply a term used to describe the absence of light. Light is the measurable factor here. Without it, there is darkness.

Another example: Debt! Debt definitely exists. You can see it in your life and we know that a significant amount of debt can effect ones thoughts and actions. In speaking with people about starting a home business, their main goal is to get out of debt. Debt instills fear in people. Fear of losing their home or not being able to make their bills. If it is bad debt, it restricts people in their ability to live a happy and fulfilled life. But what is debt? Debt is simply the absence of cash flow, or money! With money, debt doesn’t exist.

So here’s my point: A goal to get out of debt is a goal trying to get out of nothing. The real goal is to make money. So set that goal to the amount you desire. Getting out of debt is part of the process. Setting a goal to get out of debt is like saying, “Can you please take away the darkness?” We don’t say that! We just say, “Hey, can you turn on the lights?” The darkness goes away as part of the process.

You can’t take away the darkness without the proper actions and tools. You are required to get your butt up, walk to the switch, flip the switch on and have previously paid your electric bill. It works the same way with debt. Simply wanting to get out of debt won’t work. You’ve got to take the appropriate actions with the correct tools in order to fix your status of being in the “Absense of Money!”

If I can teach you anything, learn this one thing…debt is only the lack of money in your life. So instead of focusing on NOTHING (debt), focus on something. Focus on the things you want AFTER you have created the income that will, along the process, relieve you of the “absence of money.”

How many of you have seen the commercial about “freecreditreport.com?” I guess the better question would be, “How many of you have not seen it?” It’s a service that allows you to check your credit report for free. Awesome right!? You get to see how behaved you have been in the alternate universe of credit and what your borrowing ability is.

So answer this one question: Is your credit report important to you?

Let me make it easier for you. What is credit used for? Come on…this is easy. The answer is simple. It’s to get into more debt! See! I told you it would be an easy answer. You strive to have good credit so that you can get that new car and get into more debt. It’s used to leverage what little cash flow you have coming in so that you can afford that new car or the nice home, right?

Credit is used by 90-95% of the worlds population to get into debt and it’s funny, the answer to this question varies depending on the way you use money. So is that really what you were thinking? Is that your final answer? Do you maintain a good credit score to get into more debt?

Very few people look at a credit score as opportunity. A tool for leverage. Frankly, most people have no interest in looking at their credit score because quite frankly, it’s not too pretty! It’s not something they use correctly so they don’t see the value in maintaining it. At the same time, some people absolutely stress out about having a good credit score out of fear of non-compliance to the credit system. Having bad credit means they’re slackers and can’t handle their money.

Some people have no need for a good credit report because they have enough cash flow. Others have bad credit that know it’s value but took a risk and lost.

My advice with credit….don’t let it consume or dictate your choices. Don’t become so uptight about maintaining a good credit score that you lose site of your ambition. Use it to leverage your financial situation. For a very small portion of the masses, credit isn’t used to get into more debt. That’s not the mindset behind it. It’s used as leverage to create an increase in cash flow instead of a lengthened payment plan.

The last time I checked, the definition of credit didn’t contain the word “Stretch” in it. Meaning, don’t use it to stretch a small paycheck, use it to make the paycheck larger the next time it comes in!

We have all heard of the people that say their biggest desire in life is to live “The Simple Life.” Not much responsibility, worry or care, just simply them and what they love the most. Out of all they have experienced in life, their truest desire is to live simple, to get away from the hustle and bustle of the world.  That’s the simple life!

I think that living “the simple life” has different meanings for different people. I have personally had conversations with people that say their idea of a simple life is living like a hermit in the mountains without clocks, a schedule or even a wife. Just them, nature, maybe a dog and no where to be. The more common idea of living the simple life is to own a home in a suburb somewhere, have a few kids, a mortgage, a dog and a white picket fence.

I just asked my wife what her idea of a simple life would be and she said, “My idea of a simple life would be to live on the beach, in a hut with clothes made out of hemp, bathe in the ocean and just lay out all day!” I think her idea of the simple life wins the golden nugget for today! I wouldn’t think that hemp clothes would be that comfortable but obviously she is a beach bum at heart!

The word simple means, easy or not complicated. So the simple life is plainly a life that is easy, or not complicated. It is a life without much worry or stress, a life of simplicity. Although life can be complicated by nature, it is our choices that make it that way. We create our lifestyle. We either are the cause of our simple life or the cause of our miserable and complicated life.

My idea of the simple life involves a few key words. It involves financial freedom, so that the worries of bills, mortgages, rent, basic necessities of life, gas for my car or anything else that requires money will not be in my simple life. It involves complete time freedom. I mean the ability to choose for myself the schedule of the day, which is never set in stone and always subject to change. It involves service, the ability to give, teach and inspire those in need. It involves pursuing my hobbies and passions. It involves my family right along side me every step of the way.

That’s the simple life and in order to ensure that I have all those key elements in place, I have got to make key decisions right now that lead me closer to the simple life and the more I think about it, I am mostly there!

Know this, 9 out of 10 people who read this post will statistically NEVER reach their ideal lifestyle. They will never live their version of the simple life. Believe it or not but it’s true! Most people grow old wishing they had done things differently. They wish that had purchased that land or they wish they would have started that business. Your life can and will be just as you plan it to be if you choose to do so starting today. So tell me, are you hanging out with the nine……or are you the one?

What do you consider most important:

• Making money OR
  
• Spending time with family

What is your answer? It’s pretty obvious right? Most people would say that spending time with family is most important and you know what…they are exactly right! That is more important, but, if you have no money, are you going to enjoy that time you spend with your family? Or are you going to even have that time to spend? Money isn’t everything right, but what is everything without it? What is your life like with money….and without it? Think about it a bit.

I will be straight up honest with all of you right now…I put money making above family time! Yes, you heard me right. I put making money above family time, but I have a good reason. Here it is…If I am not making money, I cannot fully enjoy my family time. If I can’t provide a good living for my family, while I am with them, I will be thinking of what a failure I have been to them. While with them in physical form, my mind will be somewhere else! My mind will be thinking about the money I am short that month or the bills coming up. So in reality, I am not even truly spending that time with them.

Time spent half-heartedly is time wasted! If you aren’t giving something all you’ve got, if you aren’t completely present, it would have been better if you weren’t there at all. If I am to truly enjoy my family, I must know that I have everything else in order. Given I don’t have to have billions of dollars coming in before I am comfortable. I just have to know that my short term future is immediately taken care of. For example, if I know that my rent or mortgage is coming up next week and I don’t have but fifty bucks in my bank account, my wheels are turning. Since I work from home, I have the freedom to choose my schedule right? So, if my kids get home from school and want to go catch bugs, it’s 2:30 in the afternoon, should I pick up and go catch bugs right then? I wouldn’t be able to truly enjoy that time with my kids because my mind is preoccupied with bills, so I would hold off until I feel I have accomplished all that I can with my work day. Then maybe when six o’clock rolls around, I can hang out with my kids. Now this is just an example but how true is it.

In order to be truly present in the lives of my family, I must make money. I must provide. That is my first and foremost responsibility to them. Once that is done, I can then devote all of my energy, authentically, to them. Family is always first in my mind, that’s why I make the choices I do. It’s to ensure that I will always be there. As a father who missed out on 8 month out of the first year of my oldest daughters life, I know what it’s like to have your child look up at you and not recognize who you are. It’s not something every father dreams about.

Money is a lifestyle tool. Make enough of it and you can live your life however you want to. That’s the important principle here. Now let’s make it happen!