There are many people that are facing major challenges
in their life. In a spirit of compassion, I thought I
would share some insights that can make a difference. I
designed a three question counseling process that I use
with friends, advisors and colleagues that have been
proven to be very effective. It can be used for you as you
are discovering your potential for financial fulfillment.
Here are the three questions as follows:
• Where have you been?
• Where are you going?
• Why aren’t you there yet?
It may seem simplistic, but the words of Beethoven
ring true today,
‘Simplicity is the sign of genius’
The answers to the questions will set you on a course
of discovery and development that will launch your
income plan in an upward direction. Here is some question
that you may want to ponder.
What do you expect in your income plan? When you
think of expectations there are two words that both start
with the B and are seven letters long. The first is used
when your expectations are too grand and perhaps
unattainable: Burnout. The second word is used when
your expectations are far too low in relationship to your
talents and skill set: Boredom. Expectancy creates
momentum in all your interactions. It sets in motion the
mental energy necessary to accomplish your objective.
When you incorporate expectancy, you put your attitude
in automatic pilot with positive magnetism. I am a member
of the Optimist Club and have been for many years.
Every week we would all recite our Optimist Creed
I. To be so strong that nothing can disturb your peace
II. To talk health, happiness, and prosperity to everyone
III. To make all your friends feel that there is something
IV. To look at the sunny side of everything, and make
your optimism come true.
V. To think of the best, to work for the best, and expect
only the best.
VI. To be just as enthusiastic about the success of
others as you are about your own.
VII. To forget the mistakes of the past and press on to
greater achievement for the future.
VIII. To wear a cheerful countenance at all times and
give every living creature you meet a smile.
IX. To give so much time to the improvement of yourself
that you have no time to criticize others.
X. To be too large for worry, too noble for anger, and
too happy to permit the presence of trouble.’
These words are a powerful way to approach life’s
challenges, so I thought it would be smart to adopt the
Optimist Creed as a Guidepost for income planning.
This reminds you that a promise made is a promise
kept. The promise that you should make to yourself is to
plan for a safe and secure retirement for you and your
To Be So Strong That Nothing Can Disturb Your
Peace of Mind:
To be so strong is a constant reminder to not allow the
temporary market high and lows to discourage you from
funding and retaining your retirement plan.
To Talk Health, Happiness, and Prosperity to every
person you meet:
The lesson here is to be positive about the direction of
your plan and share that wisdom with others. Happiness
and prosperity are by-products of something else. In
order for you to be happy you have to do something that
brings you happiness. In order to prosperous, you must
do something that will protect and grow your assets.
To make all your friends feel that there is something
Long term planning requires a good cooperative
relationship that is based on accountability, trust, and
To look at the Sunnyside of everything and make your
optimism come true:
You have the authority to interpret any circumstance
in your life. If the market is decreasing in value, you
have the ability to buy more shares; whereas, if the
market is increasing in value, you are able to witness
the growth of your investments.
To think of only of the best, to work only for the best,
and to expect only the best:
It is important to think about your money often to
ensure it is fulfilling its purpose. What are some effective
ways to have lifetime income, protect wealth and to
leave a legacy for your world?
To be just as enthusiastic about the success of others
as you are about your own:
Everyone is on a different path in terms of career,
income, and investments. With that in mind, you should
not compare yourself with others; rather you should
learn strategies that will enhance your own circumstances.
To forget the mistakes of the past and press on to
greater achievements of the future:
Many times past events impede our ability to move
forward in our financial lives. Despite past mistakes,
there is always an opportunity to review, recoup and
refocus on the goals at hand.
To wear a cheerful countenance at all times and give
every living creature you meet a smile:
The key presented by this tenet reminds us that having
an optimistic spirit is worth a thousand dollars a day,
and sharing that feeling with others makes a positive
impact in your world.
To give so much time to the improvement of yourself
that you have no time to criticize others:
The challenge that we face is to remain positive which
means never criticizing other companies or strategies
that others may have incorporated in their financial
lives, but using our energies to make the best use of
our resources in our objective to retire financially independent.
To be too large for worry, too noble for anger, too
strong for fear and too happy to permit the presence of
Worry is a heightened sense of a fear of failure, and
worry has no business occupying your mental plane.
Two very destructive emotions are anger and fear which
can be transformed into something of beauty. The remedy
for anger is love; love for our families, friends and
our future. The remedy for fear is faith. Faith is built on
the inner conviction that the plans that are designed
will be completed and fulfilled. Also, faith is built on our
economic system, investment and insurance companies,
financial advisors and your own ability to produce
Put the Optimist Creed to work for you. If you would
like a copy of my book, ‘Power of the Creed’, so reach
out to me. Wishing you the very best!