What is “Real” Life?

“Welcome back”

I had just returned to work after my vacation. My coworker was asking me how my vacation was, what fun things I did, and if I had any suggestions for him when he went. As the conversation dwindled to an end, he spoke a phrase that struck a chord with me in the wrong way. “Well, welcome back to real life,” he said. I know he didn’t mean any harm by saying this but I had to correct him. “This is NOT real life. Real life is out there,” I said as I pointed outside. “Well, everyone is here so this is real life,” he retorted as he gestured to the consortium of cubicles surrounding us. “I am not everyone and you know that,” I said with a conviction layered with a smile.


This bothered me because this comment assumes that getting up and going to work is the only way to live and that your vision is too small to see the opportunities that reside outside of the “traditional” work space. There are other, more lucrative and more fulfilling ways to make a living for yourself rather than selling your soul in 8 hour at a time. Now if you are getting fulfillment in your current position, by all means, do not let my viewpoint sway you into discontentment. This is for people who don’t like their jobs and want other things. The world around us is defined by how we look at it and because of this we are able to change our situation by changing how we see and decisions that follow. Take that side hustle, write that blog, or make that travel video. Exhaust your options until you find what you love and then pursue it to the fullest.


Tell the world that you reject their reality and substitute it with the one you have created.

Never let anyone put your brain in a box.

Matthew Gaddy

Think and Grow Rich Breakdown: Decision


“I am not a product of my circumstances. I am a product of my decisions” — Stephen Covey

You have the power to become who you want to become, have to what you want to have and accomplished whatever goals you have and right now you have this power in the form of a decision. Everything good or bad in your life is a result of the decisions you did or didn’t make. This extends from your physical or mental actions, the way you respond to things. Knowing this, how do you tailor your decisions that will achieve your goals?

Sitting still is a decision

“Procrastination, the opposite of decision, is a common enemy which practically every man must conquer”, wrote Hill. We sometimes can put off the hard things that lead us to our goal or leave them be because we’re not in the mood or simply don’t want to do them. This will move us away from the goal because we are not moving towards it. Your goal is something that you should desire to the point that you are willing to do what is needed to pursue it regardless of how you feel at the time. Goals should draw the greatness out of you and if it doesn’t it, you should really evaluate it to see if it’s what you want.

Think for yourself

“If you are influenced by the opinions of others, you will have no desire of your own.” This quote by Hill digs deep. How many times have you had an idea but you put it aside or didn’t follow through with it simply because you were dissuaded by the negative opinions of others? Protect your ideas. Guard your mind against people who intentionally or unintentionally berate your ideas with their negative energy. Hold yourself accountable to pursue the steps that will lead to your goals in the face of opposition. Henry Ford, the founder of Ford Motors, held to his decision to make the Model T Ford despite the opposition of his advisors. He held to his determination and realized his goal on the physical plane. His goal of a mass and efficiently produced car was accomplished.

The “Show me” State

We all know someone who talks a big game but can’t back it up. This quality makes this person appear unreliable, untrustworthy and having an inaccurate view of themselves. You may read this, remember the Autosuggestion article and think that I am contradicting myself when it comes to telling yourself you are who you want to be. The distinction is this: Autosuggestion are words that you are speaking to yourself. Boastful comments are words that you say to others in order to make yourself appear a certain way to people. Autosuggestions are said by you to you. Boastful words are said by you to others.

The way we should show others the change we have made inside is to show them through the way we act based upon what we believe. A quote that I once heard that resonated with me is, “You actions are so loud, I can’t hear what you are saying.” A great habit for us to build is to speak LOUDLY with our actions and quietly with our voices. We should decide to let our action not our words define us.

Make the choice

This chapter on decision empowers us to take back control of our life. If we are the product of our decisions, we can change our circumstances by making new decisions. Show; don’t just tell others about your new direction in life by making choice that fall in line with your goals. Live your life in such a way that what you do speaks for you.

Decide to be great today


Think and Grow Rich Breakdown: Specialized Knowledge

Specialized Knowledge

The next section in Think and Grow Rich is about specialized knowledge. Specialized knowledge is different from the knowledge that you learned in traditional schooling which Hill calls general knowledge. I will go over the differences between the two below.

“When am I ever going to use Calculus?”

General knowledge pertains to the majority of information taught at universities. Schools expose you to a very rushed and surface level “understanding” of information but generally, don’t know present enough about the subject to do anything useful. (As a disclaimer, I am not putting down schools as they do serve a purpose but I do not believe they are the end all be all for education).

If the saying “Knowledge is power” is true, college professors should be among the nation’s highest paid professions, By looking at our college campus and faculty payrolls, we see that this is typically not the case. As Napoleon Hill states, “General knowledge, no matter how great the quantity or variety it may be, is of but little use in the accumulation of money.” After looking at this statement, you make think all your learning is a waste if it doesn’t lead to riches. I will be disproving this concept by shifting your desired knowledge from being wide to being deep.

“I know a lot about a little”

How cool and interesting would it be to a lot about a wide variety of subjects? Regardless of the conversation, we could always chime in with our tidbit or insights that would leave our listeners floored. Sadly, this is not the case. I’m not saying that you can’t be well versed in more that one area but I am saying that wealth favors depth of knowledge over breadth of knowledge.

Deep knowledge leads to specialization which means you are an expert amongst your customer base about a particular topic. This specialization monetizable because while anyone could spend the time to know about a particular topic as much as you do, they may want to devote their time to a different activity. By paying you, they are rewarding you for the time you spent practicing, studying and becoming more proficient at whatever task you are presenting for sale. Consequently, you can cut your learning time drastically by paying someone else for their knowledge and expertise.

“It pays to know how to purchase knowledge,” is a section in the chapter about specialized knowledge.  Never be scared to pay for information is you know you need it but don’t have enough time to learn effectively yourself. The time you save could lead to a significant profit later in life.

Have smart friends

This is where knowing the right people comes in handy.

Here’s a secret to success: You don’t have to know everything, you just have to know the people who do. Management is about the movement of people not the direction of things. If you can learn to place people in the best position for them to succeed, you can leverage their talents to obtain success.

I know the word “leverage” sounds like you are using people but it’s actually a good thing. When you put people in the best place for them to succeed you are actually helping them become successful and gain notoriety. If you can do this successfully, you will gain fame because you know how to make the others around you better. This is the definition of effective leadership.

“QQS” Formula

The last topic we will tackle in this chapter we will tackle from this chapter is your personal QQS Rating. QQS stands for Quality, Quantity, and Spirit. Hill emphasizes this point emphatically stating, “The quality and the quantity of service rendered, and the spirit in which it is rendered, determine to a large extent, the price, and the duration of employment.”

This is may be different from what you were taught initially. WHAT you do is not more important than HOW you do it. But what do each of these characteristics mean and how can you apply them? I will reiterate Hill’s words and my analysis will be under each paragraph.


“QUALITY of service shall be construed to mean the performance of every detail, in connection with your position, in the most efficient manner possible, with the object of greater efficiency always in mind.”

This means we should always provide as much value or service to the person we are helping. We should also complete out work in a timely manner without sacrificing the end product.


“QUANTITY of service shall be understood to mean the HABIT of rendering all the service of which you are capable, at all times, with the purpose of increasing the amount of service rendered as greater skill is developed through practice and experience. Emphasis is again placed on the word HABIT.”

We must never skimp in our service or give a customer less than our best effort. We should also increase the amount of service we give each time we are working. Each iteration of our product or service must be better. Give your best so many times that it becomes a habit that you don’t have to actively think about.


“SPIRIT of service shall be construed to mean the HABIT of agreeable, armonious conduct which will induce cooperation from associates and fellow employees.”

No one cares how good your product is if you continuously have a bad attitude about performing or act as if doing a service is an inconvenience to you. People want to feel important and by making them feel welcome and providing exemplary service, you will gain a customer for life that will refer other people to you.


Hill’s chapter on organized Knowledge is effective at teaching us the difference between General and Organized knowledge, the importance of getting the right people around you and being a good leader, and that HOW we perform a service takes precedence over WHAT service we provide. By carrying out these points, we can better monetize the knowledge we already possess in a more effective manner.



Decide to be Great today



What is your Legacy?

What will be your legacy?

The time to decide that is now while you are alive… Not after you pass away! Determine your legacy now!

Leaving a Legacy

The person who leaves a legacy lives on so to speak. They can remain impacting lives long after they are gone. Their money continues to make money. The ideas, books, recordings or the time they have spent with others leaves an impact and continues to live on. They stay alive. Through their impact, they can become immortal.

This is the goal I have for my life and I have truly spoken this into existence. Anybody can do the same! As a result, many people and opportunities have been placed in front of me since I have set a legacy goal.
It is up to you to be aware of your surroundings, know when an opportunity is facing you and decide if that opportunity will launch you in the direction of your legacy. Pray for a clear answer, then continue to go in that direction.

Breaking Even

The second type of person is one who just exists, pays their bills, and keeps to themselves. This person would work and go home each day. Arriving at starting time and leave exactly when the workday ends exactly 8 hours of work later.
If they would simply find their passion, seek their gifts and love what they are doing, they would be so much happier!
When you’re doing what you love, time flies by. This average type sadly lives and works without passion or with little reason to be remembered after they pass on.


Me and MINE!

The third type of person is out to take whatever they can get without giving back. They are always looking for a handout and live off of society even if they are capable of making money on their own.
They borrow money and rarely if ever, pay it back. You know these people…When they call, you do not even want to answer…
They truly detract or take away from the world not only in money but take away other’s energy and happiness. They may even leave lasting scars on friends and family as a result of how they acted or spoke.
When they die they leave a negative thought, feeling, or expense to be made up for after they die. These are the people that you may even end up having to pay to bury because they never thought of others, sadly, only themselves!

How then will you live?

What legacy will you leave behind?
Will you add to the world, just existing and break even or will you be one who takes from the world?
We all may go through each of these phases at some point in time but the vision you set out to achieve is what the universe will send your way before you die.
How can you get there if you do not know where you’re going?
Try setting a goal to leave a lasting legacy and you may be surprised at what the universe sends your way. People who set goals and write them down with a timeline, live with a purpose and have a sure destination or course of where they are going and will be the Legacy makers that will ultimately succeed and live on forever!
Thanks for reading

Trade-The Application Principle

Trade is an interesting concept with multiple layers of definition and application

In fundamental economics trade is defined as the action of buying and selling of goods and services.

In educational terms it is a skilled job, typically one requiring manual skills and special training

In terms of the market, trade gets a slightly more complex definition but it equates out to the pursuit of making a profit and building a sizable income stream whether that is earned from the Stock Market or the Foreign Exchange Market. Little

Finally, from a personal view trade could be defined as putting old things down in order to acquire newness.

What do we mean by this??

In reality the best way these can all be understood is to combine the definitions themselves as well as employing the use of the first two pillars of learning and investing as well. So, let’s paint this picture together.

In order to begin learning how to trade in the stock market or forex market one has to prioritize your time and instead of doing other things like watching tv, social gatherings, or just time spent doing nothing productive you may begin to trade (swap) the habit of laziness out for productivity.

As time progresses and you invest that time into developing your skills, training and aptitude in the art of trading. Naturally creating habits of productivity in other areas of your life because you chose to trade old things in order to acquire something new.

One of the biggest trading points that a large majority of us can relate to is the time for money trade made at jobs 40+ hours per week. We are fairly confident that 3 out of 5 people at least would love to make that particular trade end so that they could spend more time with family, traveling, more trading or doing whatever other activity it is that they love. Ultimately, now that you have decided to make that habit trade look at yourself now and realize that you learned the skill of trade that derives from the educational perspective giving you the ability to trade as it relates to the market definition and you have accomplished this from trading your old mindset for a new mindset resulting in earning yourself a new income stream compounding dollars all from making a decision. The benefit of all of these new-found aspects of trade is having armed yourself with the fresh financial flexibility.

Conclusively I would like to leave you with this quote:

“A man is worked upon by what he works on. He may carve out his circumstances, but his circumstances will carve him out as well.” -Frederick Douglass, The Portable Fredrick Douglass

You will define things in your life as you go as well those same things defining you so be mindful of what you do with and for yourself daily, you do not have to reinvent the wheel but you can customize your tread on it.

We will never make you do anything, we cannot but we will continuously offer our sincere and researched methods of improving your life as we strive to improve our own.  We must lift as we climb. So, if you are universally somewhere in life that you do not want to be first a decision must be made to change. Then consciously grasp that mentally, emotionally, financially it is within your capability and obligation to begin those changes learn what it takes, invest the time/money into crafting those changes and watch your new trade gain new profits in intellect and dollars.   Learn. Invest. Trade

Investing- Part 2- Planting The Money Tree



expend money with the expectation of achieving a profit or material result by putting it into financial schemes, shares, or property, or by using it to develop a commercial venture.


One of the most important things that you can do as an investor is to get an early start on investing. The old saying “the early bird gets the worm,” certainly applies to investing in a big way. Investing is defined as making an investment in order to earn a profit and earning that profit will be much easier to do if you get an early start. Investing at a young age isn’t always easy, but the benefits are numerous and can’t be overlooked, but just because you may not have started investing at a young age does not mean you cannot start today. Thankfully there are no age regulations or requirements when it comes to that.

A few of the most essential and beneficial reasons to invest is residual income and compounding returns which are extremely powerful over the long run, and the sooner you get started the greater your chance is to take advantage of this. Put more simply this is the power of the time value of money. Regular investments in an investment portfolio or a retirement account can lead to huge compounding benefits. Additionally, when you begin to invest you are putting yourself ahead in the world of personal finance as a whole. By growing your investments over time, you will be able to afford things that others can’t. Your personal finances are bound to get tight at times throughout your life as most of us well know and investing can help in those tight times.

*Golden Nugget* Investing definitely helps develop positive spending habits. Those who invest early on are much less likely to have issues with overstepping their boundaries in spending over the long run. Investing teaches important lessons and the earlier you are able to learn those lessons the more you can benefit.

The younger generation is a tech-savvy one, so the benefit of that to everyone is that we are able to study, research and apply online investing tools and techniques. Getting started has never been more accessible than now online trading platforms provide countless opportunities for both fundamental and technical analysis, as do chat rooms and financial and educational websites. Technology, including online opportunities, social media, and apps, can all contribute to a new investor’s knowledge base, experience, confidence, and expertise.

If you do not believe investing works for whatever reason or have doubts about getting started maybe you should take a look at this individual. “The Oracle of Omaha”

Before we depart today we want to leave you with a fun tool to play around with to see what it would be like to start making some investments and experience for yourself the power of this skill.  Also, we want to impart you with a few more advantages of taking a step to learn/start investing.

Conclusively, we hope that today you will be able to take something away from the learning of investing, so if you read part 1 and now have part 2 combined you should be well prepared for our next step in this journey which is to Tradethe Application Principle..

As always we thank you for your time with us. Invest in yourself and invest some money into something beneficial just to see what might happen…See you next week.


Invest-The Manifestation Principle

Pt.1-Personal Development Investing

Invest (verb) – To devote (one’s time, effort, or energy) to a particular undertaking with the expectation of a worthwhile result.

To invest in this is to bring reason, manifestation, and purpose to the first pillar of Learning. Development investing is the art of spending time with a newfound knowledge or skill in order to expand your cognitive activity and abilities.

The factual reality of this concept is that we all invest in our development daily in one direction or another. Throughout your day you invest to your betterment or your detriment depending upon the decisions you make. The choice is 100% in your hands. You as an individual may not truly grasp the power of influence that you contain and its origin from your initial investment as you move through the day.

Your life, outcomes, and results are a congruent reflection of how you invest in yourself and the types of environments you allow yourself to be part of. The statement that we hear of “Becoming what we are around” is very true for the majority of us because the human mind is naturally patterned to seek routine and stability as well as conforming to the subconscious influence of societal norms. That means the things our parents tell us “go to school (do good), graduate, get a good job” is the regularly followed path and so we tend to flock around people that are doing the same thing and that is what you invest in.

If parents and influential people had continued to nurture and encourage the same message from childhood into adulthood; that “you can be ANYTHING you want” I believe that the entrepreneurial percentage in many places would be much higher. That is the beauty of coming into a place of understand on your own as young adult.  You are now aware of your comprehension and are able to make your own choices in order to develop yourself into who you want to be.  Re-apply the “you can be ANYTHING you want” concept. If you want to, you can be an investor, powerful trader, lawyer, business owner, engineer, philanthropist etc. You as a young adult are able to make that choice for yourself particularly with the plethora of technology-based resources we have today. There should be no reason for you to accept less than what you know you are capable of.

Put the effort, time and dedication forth into development investing and see  just how truly spectacular your intellect can become. That self-empowerment will translate over into how you take care of things outside of yourself as in your financial investing.

Insider clue: The way you take care of yourself is a precise sign of how you will handle other things.

Go grab a snack, drink or a breather and come back…

Pt. 2 of Invest-Financial Development Investing.

“Learn”-The Preparation Principle

What does it mean to Learn?





To gain or acquire knowledge of or skill in (something) by study, experience, or being taught.

This is the simple definition applied by Webster’s Dictionary. We as humans from a fundamental standpoint truly have few to zero instincts, everything we know we learn. We learn from listening, reading, practicing, or experience the method by which we learn differentiates from person to person. But the basis is that we all acquire knowledge or skills by learning. This concept could be further explained as your brain absorbing specific knowledge or applications and transmuting that into committed memory in order to share, recreate, or evolve that knowledge/application to everyday life endeavors.

To Learn and to be interested in learning is the foundation that will help us be successful in understanding the foreign exchange market and ensuring that no matter the circumstance you will know how to move forward. Purposefully placed Learn is the lead of our 3 Cardinal Principles because it stands as the single independent concept that sets the stage for life’s continuity.

Learning is a true gift, think about walking as an infant, solving that complex equation or making that correct move in the market, by setting a perfect buy order and watching your trade skyrocket in profit, all of those things aforementioned were at some point actions and skills that you had to learn to do. Learning is the essential factor that keeps us continuously busy as a species because we are innately always trying to find ways to do things differently or better than before. To learn truly is to grow and fortunately, to our knowledge, we have not discovered a human or organism that can learn “too much”. The very fact that you are able to read a typed piece of information on an illuminated screen powered by a device that allows us to communicate electronically is a profound joy, someone had to learn how to bring these machines to life.

Thankfully there are all different types of learning styles and ways to gain knowledge. Some people learn by opening a book and reading, others by hands-on, and others by just listening, there are also those that can have a mix-match combination of different ways. One of the most important factors for you as an individual is to discover the way you Learn most effectively. Among all of the different ways to learn in life experience is arguably one of the greatest tools because experience brings lessons from people and situations that have already happened so the results give us insight into future happenings.

Learning is an absolutely essential part of daily our lives whether it is sometimes difficult or easy we all share the general principle itself, we should encourage each other to continue learning and grow progressively as a society so that as we gain skills, and intellect we can apply those things to our next principle which is to “Invest”-The Manifestation Principle.

As always thank you for your time and consideration let us all continue to Learn together.


Ready, Set, GO!!!

Good morning everyone,

This morning, we would like to recap everything that we have covered before we get more in-depth with where we want to take you as an investor/trader and more importantly as an individual. Let’s review the past three weeks and solidify our understanding of the foundation we are building to transform our intellect, emotions, physicality and, finances.

Week 1. Spend Thrifty

We recognized that as individuals have an obligation to figure out our personal emotional road when it comes to our spending habits.  We must become confident in the ability to not get stuck between the fork in the road of frivolousness and purposeful expenditures. We have to remember and realize that money is not a living-breathing organism and we can truly control it with first learning to control ourselves and making wise decisions with our investment choices. When the time to invest in the market comes, emotional stability is of the utmost importance and can be one of the most prominent deciding factors in how your portfolio can develop or crash.

Week 2. Let’s Get Physical!!!

Next, we explored the importance of exercising and making sure to give your body the proper activity daily to increase your overall fitness and intellectual strength. We were able to see how a simple 30-minute stroll around the block or a simple bike ride could boost your brain power and reduce stress, which is only two of the ten benefits that we were able to discover. The amazing thing is the ten we covered are only a fraction of the endless benefits that exercising induces. Remember, that when you look good, you feel good and when you feel good, you continue to make yourself look good. This translates to other areas of our lives as well. When you exercise your physical body properly and stress less, you are able to lift those financial weights, bench pressing trades against big boys with ease and running money marathons with your portfolio. Just like with physical exercise, the more you do it, the better you become.

Week 3. Intellectual Feng Shui

In conclusion, we urged you to thoroughly “know thyself”; know your strengths, flaws, interests, and non-interests and telling ourselves, at the end of the day, to accept all of the above or change them from within. We encouraged you to make a plan for yourself in areas you want to improve and to not sway from that plan no matter the cost. We learned to evaluate ourselves in our entirety, to look at our own lives objectively and not to cast our own opinions and thoughts of othesr onto them or to turn comparisons into intrinsic blame. We must remember at the end of the day WE DO NOT CONTROL ALL but we can influence outcomes by perspective and finding our best internal harmony. Remember, that the market trades TRILLIONS daily so while no one will ever nail 100% of the rises and falls, you can earn your cut of the share by first knowing yourself and applying the Dollars and Decisions Golden Rule “Treat the market as you would have the market treat you”.

Now that we have our emotions in-check, have exercised, and found our balance, let’s have some coffee or tea and open our textbooks over the next three weeks as we dive deeper into the 3 Cardinal Principles of Dollars and Decisions which will be the building blocks for new horizons. 






Know Yourself, Know Your Worth


  • Critical because self-awareness plays into objective view of self
  • Plays into objective view of your personal narrative
  • Know what you want and write it down
  • Be able to reevaluate your performance

“Know Thyself”. This concise yet impactful quote was written on the walls of the temple of Apollo at Delphi over 2000 years ago. Despite being written before the market as we know it today existed, this simple statement absolutely impacts the investments and applications we commit ourselves to today. What does it truly mean to know yourself? Does it mean to know what your name is or what you look like in the mirror? If we relegate this saying to such shallow terms, we strip it of its intended meaning. Knowing yourself is having the self-awareness to understand your actions and the ability to look at yourself objectively.

(What does looking at yourself “objectively”  mean?) -To truly look at your inner-self and reflect upon your individual strengths, weaknesses, and opportunities within yourself that will extract/demand personal growth over time This is a very simplified definition but it encompasses the overall theme.

“How does my own behavior come into play when I’m investing and the things I invest in?”, you may ask. The answer may be more profound than you originally thought. When we look at spending/investing situations, we apply our own “filter” or personal interpretation to what we see and this can be a poor habit. We have to understand that when it comes to making sound financial decisions, we have to treat it as if it were a living breathing entity.  When dealing with it, we have to listen and watch it, instead of layering our own values and systems to it. For example, think of the trading market as an actual person. Would it not be rude of me to apply my own sense of what’s right and wrong to him without once listening and understanding what he is saying? This is what happens when we try to add our self-indications and assumed values and bend the market to make it conform to our individual assessment/opinion. The forex market (Foreign Exchange currency marking) alone is a $5.3 trillion dollar a day industry. It will not be dictated or control by any one person, regardless of what their name, title, or status is. Trying to control that market or anything else and shape it to your will is a quick way to be washed away and disappointed.

I have just painted a fairly grim picture but all hope is not lost!

In a nutshell, Knowing Yourself goes like this according to our last two posts….

Step 1. Admitting your weakness

Know that you spend money in terrible ways, or that I always say “the love of money is the root of all evil”  realizing that you are not taking care of yourself physically like you should be and that you have made excuses about it.

Step 2. Reminding yourself of your strengths

Truly acknowledge and empower yourself with a precise and calculated change of mindset and put together a plan to correct your downfalls while solidifying your strengths.


Do Not Get allow yourself to deviate from self-improvement. Go against your normal and easy path.  Write things down, make a collage, pictures, notes or whatever may be good enough for you to constantly remind yourself of the growth you are committed to making.

We must analyze ourselves in order to decipher out the bad from the good. We must train our subconscious to move our conscious being and be ready to move. The only way to control and tame this beast is to train it to take you where you want to go. This article is definitely deeper in the “finding yourself” element but that is exactly what we want for you because when we speak next week were are really going to begin diving into the financial realm of taking your money to a different place…

As always thank you humbly for reading and take your time, when you could have been doing so many different things and remember…

Learn. Invest. Trade.