All My Bosses Are Broke

Well, not exactly, but yours might just be


It’s good to be the boss, right?  At least that is what we are taught.  Work hard, get promoted, and become the boss.  With being the boss comes power and increased responsibility.  And of course, there are the rewards of some fancy title, maybe even a parking spot, and financial compensation – the slightly larger bonuses and an increased salary.  In some industries, that increased salary is only slightly higher but still remains a perception that ‘the boss’ is well off.

Is your boss in an overall better financial position than you? Higher net worth? Less debt?


How To Remove Barriers to Achieve Your Fitness Goals

As busy adults juggling work and family commitments, it is essential to remove as many barriers as possible in order to achieve your fitness goals.  We all have the same amount of time each week.  So why is it that some are able to balance so much more than others?

Some barriers are legitimate and need to be addressed with a solid plan.  Others fall more in the category of a good excuse. These excuses are things we tell others but more importantly these are excuses we tell ourselves. Breaking through these barriers is the key to achieve your fitness goals (or any other goal you have).

Today we will address 3 common barriers that people have. They are all closely related and at times overlap.


4 Steps to Achieve Bulletproof Discipline

What Will You Regret Most Today?

Having bulletproof discipline means there is nothing that will stand in your way or convince you to move off the path towards hitting your goal.  You are committed.

One of my favorite quotes is, “The pain of discipline is far less than the pain of regret.”  The word PAIN strikes me as so true.  Nearly every day we are faced with choices.  There are the simple and easy choices that hold little to no consequence.  With these, even if we choose poorly, there is hardly any lingering thought.  Then there are those daily decisions that do have consequences.

If we choose poorly, we will suffer the PAIN of that decision.  For me, several times a week I set the alarm to go off at 4:50am so that I can be on my bike trainer at 5:25am.  The sound of that alarm sometimes feels painful.  However, the PAIN of skipping that training sessions because of laziness would be far worse for me.  I can count on one hand how many early morning sessions I have missed over the years – usually because of sickness or lack of sleep.


Is Millionaire Status the New Middle Class?

Grant Cardone Thinks So. What is Middle Class Anyway?

A recent article on CNBC caught my attention.  Grant Cardone, a successful entrepreneur with a loyal following, described achieving Millionaire status as the new middle class.  I thought that was a bold assertion.  But after doing some research I believe that Mr. Cardone may actually be right in some cases.


What is Your Decision-Making Process?

Making a Decision When It Counts

As a leader, either in your personal life or professional one you will be called upon to make numerous decisions. Having a effective decision-making process can prove invaluable.  An Army instructor of mine once summed up what was expected of a leader. “The leader is the person who tells the convoy which way to go when they come to a fork in the road.” So simple. Now add in some rain, nighttime, a lot of fatigue, and an outdated map, and it becomes less simple. But even under challenging and at times unclear conditions, it is the leader who is ultimately responsible for making the decision as to which way to go.


Why You Should Want Less Stuff

A Call For Having Less

Have you ever been in a situation when you had just your essential ‘stuff’ and felt happier because of it?  Maybe you were on a camping trip or a long business trip.  Once you adjust to having minimal stuff on hand, there is a joy that comes from having just what you need and nothing else. Does everything you own have a purpose? Is that high-dollar item you bought last year still getting used? I can only partially answer ‘yes’ to those questions but wish to do better in the future.

In a consumer society, we are surrounded by stuff. Seriously, have you ever looked around your home and thought about all the stuff you have? Have you ever gone over to a friend’s house and thought, “Man, they have a lot of stuff!” Some people may even have so much stuff that they pay a company every month so that they can store ‘extra’ stuff.

My wife and I do a pretty good job at cleaning out our house from time to time.  (more…)

A Beginner’s Guide to ‘Written Goals’

In both my professional and personal lives, I have clearly written goals.  Professionally, I am required to write down what I want to achieve over the next 12 months while at work.  I am also required to review those goals at the half way point.  These goals must relate to education/professional development and those that relate to my actual work.   I also support broader and much larger organizational goals that allow my team to meet our expected yearly performance.  Everywhere I look there are goals.

The opening credits for the movie Forrest Gump shows a feather floating through the air.  The feather is aimlessly floating around giving the audience a whimsical feeling at the beginning of this movie, which is almost universally-agreed upon a pretty great movie.  But back to the feather.  The feather is floating around with no clear direction and certainly no sense of urgency.  Just floating around up in the sky subject to the wind, the air, and the clouds.

Do you think that feather had any real goals?  Probably not; it is just a feather after all.  Without clearly defined goals in your personal or professional life you are much like that feather – just floating around subject to whatever is happening around you.


4 Ways To Maximize Automatic Transfers

A great way to simplify your financial life is to have a number of automatic financial transfers established for paying the bills and managing your money.  Automatic transfers can, in turn, contribute to establishing a nice ‘savings rate.’ No, I’m not talking about getting a good deal on your latest consumer good. I’m talking about the joy of saving good, old-fashioned money into a savings account, brokerage fund, or retirement account.

On Happiness

A 2010 Princeton study by Daniel Kahneman and Angus Deaton stated that at the national level, making more than $75,000 per year doesn’t significantly improve the chances that you will be more happy on a day-to-day basis. There were, of course, varying numbers for different regions of the country (higher in metropolitan areas and lower in rural areas), but $75,000 was the average.

Let’s assume that the $75,000 amount is the level at which all of your family’s needs are being met. This includes everything from food and shelter, to some fun and play. It then begs the question: Should you save every single dollar above what has already been proven to not increase your happiness?  (more…)