Understand Where You’re At To Be Able To Get Where You Want To Go!

(This is a repost from Orrin Woodward)

 

The Financial Matrix graph displays the four ways people can respond to the Defensive and Offensive principles needed for financial success. Strangely, most people, through a combination of ignorance, apathy, and arrogance, ignore these financial laws and suffer in consequence. 2017, however, is a new year, a year to erase past failures and replace them with future victories. This can be achieved through the Financial Fitness Program, the greatest financial game-changer on the market! But before I get ahead of myself, let’s examine the Financial Matrix quadrants to determine where the reader resides currently to ensure we develop the best personalized plan for the future.

Let’s start with the Broke quadrant, the one where people play neither Defense nor Offense. Disastrously, over 50% of households in the USA fall into this quadrant, service debts higher than current incomes and thus falling further and further behind every year. Moreover, they have little Offensive wherewithal to expand incomes and thus are stuck in a situation where they have more outgo than income with little hope of changing it.  The 45 Year Plan for the Broke group, those who have no net worth (assets minus debts), displays expenses higher than incomes and debt loads increasing until they are rejected for further loans (debt maxes out around 3 to 5 times total household income). Needless to say, this is the worst spot in the Financial Matrix, because it maximizes debts and minimizes dreams. The Broke quadrant pays the price for revolving interest, penalty fees, and stress because they lack financial literacy. They live lives of quiet desperation with no assets, massive debt, and little hope to change unless they can access new information and inspiration. The most common expression one hears from the Broke quadrant is, “I owe; I owe; it’s off to work I go,” while the most common attitude is hopelessness because they see no way out of the Financial Matrix.

The Tightwad quadrant, on the other hand, plays Defense (expenses below incomes with decreasing debts), but doesn’t play Offense (little ability to increase incomes). The 45 Year Plan for Tightwads shows expenses under incomes with little debt to service.  Although debt free (or at least progressing towards debt freedom), they only accomplish this by reducing their dreams. This is why most people HATE to talk about finances because they believe it’s just a plan to budget someone out of their dreams. While nothing could be further from the truth in the Financial Fitness Program, to be fair, this is where most financial gurus live. They spend hours talking about how to reduce debt and very little discussing how to increase incomes. As a result, most people do not follow apply Defensive principles because to do so results in them giving up their dreams to be out of debt.  While this, to be sure, is better than remaining in the Broke quadrant, this Financial gurus are only teaching half the story, at best.  For when a person surrenders his dream, a dream that drives his personal growth, he has thrown the baby out with the bath water. Sure, being debt free is a good, but the biggest enemy of great is good and I refuse to sacrifice the great on the altar of the financial gurus good! Why settle for debt-free without dreams when one can learn how to live dreams debt-free. The most common expression in the Tightwad quadrant is, “No thank you. We cannot afford this.” Naturally, after years of self-denial with little to show for it, the most common attitude that results is bitterness, a bitterness caused by repeatedly saying “no” to their dreams.

The Status quadrant, in contrast, plays no Defense (debts increase as fast as incomes), but has an impressive Offense (incomes capable of servicing all debts). The 45 Year Plan for this group displays both incomes and debts increasing. Because they have a solid Offense, but not a corresponding Defense, the total debt loads continue to increase (usually two to five times total income). To be sure, they have enough income to stay ahead of expenses, but only so long as they continue to perform at the top of their game. This group believes it can live their dreams, expand their debts, and live the good life. However, there is a major downside to living in the Status quadrant, namely, the inherent risk that something outside one’s control may occur. Similar to a bobber floating on top of the water, just one financial tug (job loss or health challenge) can lead to the household going underwater financially. After all, if someone lives at his debt limit, he runs the risk of financial catastrophe if the Offense is interrupted unexpectedly while the debt continues to compound expectedly. Debt, to the Status group, appears to be gold – they live their dreams while servicing their debt. But in reality, it’s a golden handcuff that tightens around its unsuspecting victim. Over time, the Status group realizes they are stuck on the financial gerbil wheel, running with everything they have, without the ability to jump off. The most common expression in the Status quadrant is, “Let’s buy it now because we can afford the monthly payments.” The danger, of course, is this commonly leads to arrogance, for when a person shows it all and owes it all, if he’s not careful, he can tend to believe he knows it all.

Unfortunately, by the time the Status quadrant realizes the errors in their strategy, it’s usually too late. Once the Offense loses some of its muster, it doesn’t take long for the Status household to start missing debt payments.  Ironically, the group learning the most from the failures of the Status households is the auctioneers, who sell off the remaining assets of financially ruined families. As noted in The Millionaire Next Door, auctioneers are the profession with the highest percentage of millionaires, probably because they see and feel the pain of the families who have lost everything by playing Offense and ignoring Defense. This lesson reveals the insecurity inherent within the Status quadrant, a quadrant that believes it can outrun debt forever.  As a result, most of the Status quadrant is one economic downturn away from bankruptcy. Debt is omnipresent and compounding continuously against the household; thus, it should not be played with for similar to fire, if you play with it, you will eventually get burned.

The final quadrant, the one everyone should aspire to join, is the Financial Free quadrant. This group plays both Defense (expenses below incomes with decreasing debts) and Offense (increasing incomes). The 45 year plan for this group displays expense remaining fairly constant while the incomes consistently grow.  Debt decreases annually until it is eventually eliminated by the difference between incomes and expenses being used to wipe out the household’s debt cancer. The Financially Free group sacrifices in the short-term by living below their means and wiping out debt so they can live their dreams debt free!  This quadrant is the most secure financially because they own assets and live their dreams debt free. This gives them great strength when financial setbacks do occur because they owe no one anything. Instead of reducing their dreams to pay off debt, they increase the size of their dreams without falling into debt; rather, they use dreams to drive personal improvement (Offense) and use the increased income to pay off debt even faster. In other words, increased dreams and decreased debts. This is the Financially Free lifestyle. The most common expression for Financially Free people is, “Let’s sleep on it first. Then, if we truly want it, let’s set an Offensive goal to achieve it.”  Not surprisingly, the common attitude of this group is thankfulness because they realize they have been blessed by following certain financial principles and aim pay that blessing forward into other’s lives.

Laurie and I dreamed to escape the Financial Matrix and now dream of helping millions more do the same. The Bible teaches, “The borrower is slave to the lender,” indicating a person in debt is in bondage. If someone loves his bondage, then I am not here to argue him out of it. However, if someone recognized himself in one of the above sub-optimized quadrants and desires to live Financially Free by escaping the Financial Matrix, then he needs to get the Green Box (The Financial Fitness Pack). If a person is already Financially Free, then I ask you to get the Green Box and help me help others by teaching these financial principles to the world. In the Green Box, the person will learn the Defense, the Offense, and the pathway out of the Financial Matrix playing field. Further, he can plug into a community of winners to be held accountable to the proper financial principles, playing Defense and Offense, and referring others to do similarly.

In closing, the beginning of all breakthroughs starts the moment a person realizes the road he’s been on will not take him to the destination he desires. This was true for Laurie and me, as we lived in all three sub-optimized quadrants seeking to escape the Financial Matrix. It’s now 2017 and last year’s successes and failures are history. Now it’s time to start this year with momentum.  If a person truly wants to live the life he’s always wanted, perhaps it’s time to address the issues you’ve always avoided.

Sincerely,

Orrin Woodward: LIFE Chairman of the Board

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We all are going to end up somewhere, we encourage you to do the little things that will lead you to where you want to be on PURPOSE!

Order your Green Box from US! Get the Financial Fitness Program here: https://financialfitnessinfo.com/default.aspx?61461651

 

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5 Love Languages

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Would you like to intentionally improve every relationship that you have?

Do you want a better, more fulfilled marriage or relationship?

Do you want your kids to feel more loved?

Do you want to be a better friend?

Do you want to be a better employee or employer?

Are you leading teams but can’t figure out how to connect deeper?

Are you single and hoping to have a FANTASTIC relationship someday?

 

This set by Dr. Gary Chapman has helped us in so many ways.

First, take the quiz here: http://www.5lovelanguages.com/profile/
(This quiz is very quick to take!)

Second, get your loved ones to take the quiz (your partner, your kids, etc).

 

Join more than 15 million people who have already improved their relationships by discovering your love language.

Your love language profile will explain your primary love language, what it means, and how you can use it to connect to others and improve your relationships!

We also have “The Five Love Languages of Children”

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Quality Time, Acts of Service, Gifts, Physical Touch, and Words of Affirmation.

For Stephanie and I (Alex), this book has helped us tremendously. Basically;  whenever you are not intentionally speaking the love language of the other person, it is like speaking German to a person who speaks Mandarin.

My love languages are Quality Time and Words of Affirmation and Stephanie’s love languages are Quality Time and Physical Touch. By not reading the book first, I did not initially understand that within our Quality Time love languages, there were different dialects. After reading the book I began to understand why my version of Quality Time was different than hers and how I could understand what her needs were and meet them. She wanted Quality Conversations during our Quality Time and I just wanted to be together. By being intentional and both of us being open and communicating, we began to understand how we are different.

We all have a love tank and we both ask each other all the time how we can fill it.

While I was at work on the road, I deprived Stephanie of both of her love languages because they both basically require my presence. We found ways to connect and spend quality time together. She made a list of 10 things that would help her feel more loved and I did everything I could to check off things on that list. Some of the things were uncomfortable for me, BUT GUESS WHAT!!?!! IT WAS WORTH IT because I value our relationship. It is so powerful when both partners die to self.  I encourage everyone reading this to learn more and to also share this with others. How many people do you hear complain about their relationships? This is proven to work!!

We encourage you to open the lines of communication up together and also make your top 10 lists of things that could make you feel loved.

Together, we have 5 kids. 16, 12, 9, 8, and 7. Each kid has a unique personality and they all have their own love language. This quiz and these books have helped us understand the most effective ways to make our children feel loved. When our children’s love tanks are full their behavior is better, they are more cooperative and productive and they are more loving to others.

 

We can get a whole movement of people with full love tanks and make this a much better world! Can you picture this vision where everyone is thinking about others and doing things to help others more often and that just becoming an endless cycle?

WE ARE SO EXCITED FOR THE POSSIBILITIES OF WHAT NEW INFORMATION BEING APPLIED CAN DO FOR THE LIVES OF A FEW AND HOW THAT CAN SPILL OVER INTO THE LIVES OF THE MANY!!!!!

We all are going to end up somewhere, we encourage you to do the little things that will lead you to where you want to be on PURPOSE!

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Recap – take the quick quiz here – http://www.5lovelanguages.com/profile/

Next, order  the book here:

http://www.lifeleadership.com/default.aspx?tabid=63&ProdID=12

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Follow that with reading and applying what you learn!!

Here is the “The Five Love Languages of Children”

http://www.lifeleadership.com/Shopping/tabid/63/ProdID/1965/Default.aspx

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Growing and Protecting YOUR Financial Fitness in Life

Get Financially Fit

LIFE Leadership has done it again, Financial Fitness Program and Services. In a time with so much economic uncertainty it is time

Financial Fitness Servicesfor us to do something about our finances. If you are anything like me there comes a point in your life were you get tired of outside circumstances affecting your finances. It seemed like every time Lisa and I thought we were getting ahead, the refrigerator would die or the car would break down and we would be right back were we started. Every trip past a gas station with rising gas prices, every doctor visit the kids would have, each time the kids would grow out of their clothes and on and on, would add stress to my life.

Then the Financial Fitness Program came into our lives. This began to change everything. For the first time we had the education, plan and tools to really change our financial picture. It has been nearly a decade now since we have had the stress of not having the money to pay for a bill or stress from a surprise cost we could not afford.

Protect Your Financial LIFE

Part of getting financially fit is having the proper tools to not only improve your financial standing but protect the gains you have already and will make. In today’s day and age this can be a very complex and challenging task. LIFE has assembled all of the tools you need to track your finances, save on things you are already buying, protect yourself and your identify from legal matters and online theft.

Financial Fitness Services

The digital age has opened a pipeline of new threats and dangers to individuals, families, and businesses. Your privacy, safety, and financial security are constantly under attack from a growing number of internet predators, identity thieves, and cyber-criminals looking to take advantage of those who are unaware and unprepared. We believe that having the right personal protection is a vital part of safeguarding your money and your privacy.

That is why Financial Fitness Services is pleased to offer the Protector package, powered by INVISUS. Since 2001, INVISUS has been a pioneer and industry leader in protection and risk management for the digital age for both consumers and businesses.

Financial Fitness Protector also includes

  • Identity Theft Protection
  • Cybercrime Protection
  • Social Media and Online Safety
  • Legal Services
  • Learn More about Financial Programs and Services

 

Subscribe today by clicking here! https://financialfitnessinfo.com/FFS/default.aspx

Learn more about all of our Financial Fitness products and services here: https://financialfitnessinfo.com/default.aspx?61461651

 

 

Repost from Dan Hawkins; http://danhawkinsleadership.com/2016/11/21/growing-and-protecting-your-financial-fitness-in-life/

 

 

We all are going to end up somewhere, we encourage you to do the little things that will lead you to where you want to be on PURPOSE!

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*A post for the MEN*

123“…..But there is an even deeper issue than our question. What else is it we are seeking from the Woman with the Golden Hair? What is that ache we are trying to assuage with her? Mercy, comfort, beauty, ecstasy —in a word,  God. I’m serious. What we are looking for is God.

There was a time when Adam drank deeply from the source of all Love. He -our first father and archetype – lived in an unbroken communion with the most captivating, the most beautiful, and intoxicating Source of life in the universe. Adam had God. True, it was not good for man to be alone, and God in his humility gave us Eve, allowed us to need her as well. But something happened at the Fall, something shifted. Eve took the place of God in man’s life. Let me explain.

Adam was not deceived by the serpent. Paul makes it clear in 1 Timothy 2:14 – Adam did not fall because he was deceived His sin was different, in some ways, it was more serious in that he did it with open eyes. We do not know how long it lasted, but there was a moment in Eden when Eve was fallen and Adam was not, she had eaten, but he yet had a choice. I believe something took place in his heart that went like this: I have lost my ezer kenedgo, my soul mate, my most vital companion I’ve known. I do not know what life will be like, but I know I cannot live without her.
Adam chose Eve over God.

If you think I exaggerate, simply look around. Look at all the art, poetry, music, drama, devoted to the beautiful woman. Listen to the language men use to describe her. Watch the powerful obsession at work. What else can this be but worship?  Men come into the world without the God who was our deepest joy, our ecstasy. Aching for we know not what, we meet Eve’s daughters and we are history! She is the closest thing we’ve ever encountered, the pinnacle of creation, the very embodiment of God’s beauty and mystery and tenderness and allure. And what goes out to her is not just our longing for Eve, but our longing for God as well. A man without his true love, his life, his God, will find another. What better substitute than Eve’s daughters? Nothing else in creation even comes close…”

This is an excerpt from “Wild at Heart” a book by John Eldredge that should be read by every man, every wife, and every mother of a boy. This book is so powerful in helping everyone discover the secret of a man’s soul, while being easy to understand because Eldredge paints such a clear picture of many examples and how we can all grow thru understanding how we truly are in a deeper sense.

I’m sure many have asked the question: “Where have all the real men gone?” 
We have this vision for this revolution of men becoming truly masculine again, commitment being sacred, and men and women living in better harmony, rather than the current culture we see as the status quo.

Grab your copy by visiting www.lifeleadership.com/macdonaldleadership then scroll to the bottom and click shop and then search “Wild at Heart”
While you’re there, browse around!

Give us a call at 260-573-8137 if you have any questions.

 

Click here to order NOW
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We all are going to end up somewhere, we encourage you to do the little things that will lead you to where you want to be on PURPOSE!

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Show You, Your Strength Daily

“Be faithful in small things because it is in them that your strength lies.”
-Mother Teresa
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It’s possible that you can can think of many things you do, as victories.

You’re alive!

Albert Einstein made the statement

                  “You can view everything as a miracle, or nothing as a miracle.”
What are the small things you can be faithful in or positive habits that you can create, that will help you develop even more personal strength? What are some habits that you can let go of? Some things to think over and make a list of – here are some possible suggestions:
  • Can you pray for a few moments or more today?
  • Can you read a few lines or more in the Bible today?
  • Can you spend an hour, uninterrupted with your spouse and or children?
  • Can you call an old friend today?
  • Can you refrain from eating that junk food?
  • Can you do a 60 second plank right now?
  • Can you pick up a good book for 15 minutes today?
  • Can you choose to turn the tv off, log off facebook, put your phone down?

What else can you think of?
Write out your list of things you can do to make habits that will lead to better results.

We all are going to end up somewhere, we encourage you to do the little things that will lead you to where you want to be on PURPOSE!

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