Get Your FILL
E02 - Solo

Think and Grow Rich

The Go Giver

The Secret

Self-Confidence Worksheet


SMART Goal Worksheet


FILL Tracker


*Intro and outro music are from an original piece by

Carl Zukroff of The Blue Hotel

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You have stumbled onto a podcast called Get Your FILL, Financial Independence, Long Life where we look for solutions to achieve both of those goals. Episode number one was the Intro show where we explain the format and how it’s all gonna work.

This is episode number two, so let’s start right off with Move-it Monday. And what I’d like you to do is you if you’re sitting – and if this is safe to do, like say you’re sitting on the train or in your desk, or you’re at a meeting, or you should not be listening to podcasts in a meeting, but if you’re driving and you could put on cruise control maybe – just sit up really straight, and lift your feet off the floor like an inch, just really a really small amount if this hurts your back or anything, just do one foot at a time, but basically you wanna put your hand on your stomach and make sure that this motion that you’re sitting up straight, you’re lifting your feet up a teeny bit, is making your stomach get flatter. If you lift your feet up too far your stomach can stick out, and that’s obviously not what we are trying to train our muscles to do.

So this is a super exercise. You can do it in a meeting and you’re bored and you’re just like, “Oh my God, will this person ever stop talking? – you can just like, “Oh I’m gonna do some lift-ups and just lift your feet up just a tiny bit. Literally no more than an inch off the ground and keep your hand on your stomach just to make sure that’s flattening out.

Okay, and that is our Move-it Monday exercise. Now TAGR Tuesday, as we work our way through the week, TAGR is Think and Grow Rich, which is the book by Napoleon Hill, that so many people have cited as their inspiration, as their Bible, for achieving financial independence.

If you don’t know much about Napoleon Hill. Actually, I was gonna start with something else, but let’s just talk a little bit about Napoleon Hill.

He, as a young man, was given a challenge, I guess you could call it, by Andrew Carnegie, who wanted him to spend basically the next 20 years of his life interviewing the top leaders of corporate America and political leadership and Andrew Carnegie’s contribution was that he would give Napoleon Hill access to these people, but he would not pay Napoleon Hill, he had to do it all on his own initiative, and on his own dime, and he did. He said, “Okay I’m gonna take up that challenge. And he spent 20 maybe almost 25 years of his life just talking to people and asking them basically the same question, what is the secret to your success? What do you feel is a reproducible method of success that you can share with other people? And then he put all that into a book, he turned it into the 13 principles of success and he also has some principles of failure, things you can do it wrong.

But he took those success principles, and he turned it into a book, and named it Think and Grow Rich.

I’m gonna put a link on the website to the book, the one that I use, which is actually a really nice version, ’cause it has some forwards it has some prefaces and it also has a bunch of notes, a bunch of end notes from Napoleon Hill, a lot of it from other works by Napoleon Hill. And then some other folks just commenting on the impact of this book in their lives, including people like Bill Gates, who happen to have obviously, a crap-load of money, so it’s working for him and for a lot of other people who have been successful in their fields. And when you look at some of the principals, they’re very… Not only are they very insightful and forward looking, but you’ll also find if you read any of these sort of personal improvement books, you’ll find the seeds for a lot of those books in Think and Grow Rich, including The Secret. The first thing he talks about in here is that there’s this secret that he’s gonna reveal in the book and if you’re ready for it, you’ll understand it and you’ll realize what it is. And there’s a book called The Go-Giver, that I read, and he actually uses that phrase in here, the Go-Giver. And actually, because Napoleon Hill, has passed away, he’s dead now, and He… His work is all in the public domain so anybody can re-publish Think and Grow Rich and basically take all his work and use it for free ’cause it’s in the public domain. So you see a lot of… You’ll see a lot and if you read the book, Think and Grow Rich, you’ll find a lot of seeds that other people have planted to become whole books that it may be just a sentence in Think and Grow Rich and he kind of encourages you to do that in a way and not necessarily to steal his work, but he says, Look, here’s a whole bunch of ideas you can try. Here are some professions, here are some other things that you can potentially do or ways to apply for jobs, or ways to run your life that will bring you success.

So I encourage you to read that book and what we’re gonna do over the next however long the podcast goes on is just kinda pick our way through the book, not necessarily in order but in ways that I think are gonna be appropriate to us at that particular point in time.

So what I will challenge you to do is to take the 90-day Self-Confidence Challenge, which every morning and every evening you would read Napoleon Hill’s Self-Confidence Formula which is in the Faith chapter of Think and Grow Rich and you read it to yourself and you write it down. If you write it down every day, morning and evening, for 90 days, you are going to memorize it, you are absolutely gonna have to memorize it and you should see a change in yourself if you actually internalize this Self-Confidence Formula.

So Self-Confidence Formula:

First: I know that I have the ability to achieve the object of my definite purpose in life, therefore, I demand of myself persistent, continuous action towards its attainment and I here and now promise to render such action.

Second: I realize that the dominating thoughts of my mind will eventually reproduce themselves in outward physical action and gradually transform themselves into physical reality. Therefore, I will concentrate my thoughts for 30 minutes daily, upon the task of thinking of the person I intend to become thereby creating in my mind, a clear mental picture of that person.

Third: I know that through the principal of auto suggestion, any desire that I persistently hold in my mind will eventually seek expression through some practical means of attaining the object back of it, therefore I will devote 10 minutes daily, to demanding of myself the development of self-confidence.

Fourth: I have clearly written down a description of my definite chief aim in life and I will never stop trying until I shall have developed sufficient self-confidence for its attainment.

Fifth: I fully realize that no wealth or position can long endure unless built upon truth and justice, therefore, I will engage in no transaction that does not benefit all whom it affects I will succeed by attracting to myself, the forces I wish to use, and the cooperation of other people, I will induce others to serve me because of my willingness to serve others, I will eliminate hatred, envy, jealousy selfishness and cynicism by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me because I will believe in them and in myself.

Sixth: I will sign my name to this formula, commit it to memory and repeat it aloud once a day with full faith that it will gradually influence my thoughts and actions, so that I will become a self-reliant and successful person.

I will put this on the website and I challenge you to write it down long-hand every day and maybe record it into your phone and listen to it once or twice a day until you have absolutely remembered it. I say it to myself every single morning and every single evening. Of course, I’ve memorized by now, and it has made an unbelievable difference, in my life. I mean here we are, right? And I have a podcast, which I never had before and I’m doing all kinds of stuff I never did before.

Okay, enough about that, so that’s TAGR Tuesday. That’s what you can expect from me every other week.

Now, Where-am-I Wednesday? I, physically, I want to lose 15 pounds, I feel like that will get rid of the flabbiness that I have around my mid-section at the moment, and bring me down to right about 150, which is where I feel comfortable. 150-155 feels like a comfortable weight for me. I’m 5 foot 6 but I’m kind of muscular so I think I’m probably heavier than- I think I can look, okay, at a heavier weight than maybe some other people who have more fat than muscle. Anyway, that’s the long life part of it, and there’s obviously more… I’m gonna talk more about that in future weeks, but that’s my long-term goal that I want to accomplish by the end of the year and then my financial goal that I would also like to accomplish by the end of the year, and I have to find a way to make myself believe that it’s possible, ’cause… Right now, it seems like a stretch.

So, to meet my financial goals is a two-part plan, I want to have at least $500,000 in my investment account that I can use to invest in stocks and bonds and mutual funds and things like that, and I wanna have a passive income stream, which for the short term I just… I want $5,000 a month, eventually that’s gonna turn into $5,000 a week. But there’ll be stages. Your goals have to be believable.

Actually, let’s talk about that for one second. You know about SMART goals. They have to be specific. So I want to have this amount of money, $500,000 in my investment account by December 31st, 2019. So Specific, Measurable, will I be able to know, on December 31, 2019, whether or not I have $500,000 in my investment account.

Yeah, obviously. Attainable. So if I don’t believe that I can get $500,000 between now and December 31st, 2019, which to be honest, is something I’m struggling with at the moment then I’m not gonna be able to have it if I can’t 100 percent put my brain back of that goal, I’m not gonna be able to attain it, so I either have to reel that in and make it something that can be… That I can believe better or I have to figure out a way that I can make that goal work.

So specific, measurable, attainable, and then relevant. So you have to care whether or not you achieve this goal.

If it doesn’t really mean anything to you. If I set a goal of saving 5000 bottle caps, by the end of the year, who gives a crap if I do that, I don’t care about it, so it’s not gonna spark any kind of passion in me. And the last is time-measured, so you have to have a deadline by which you’re gonna do this if I just say, “Oh I’m gonna have a million in the bank and that’s it, that’s the end of my goal. No, you have to know by when, I’m gonna accomplish this. And in my mind I have to have a way of believing and understanding how it’s gonna happen.

It doesn’t actually have to end up happening that way, but I at least have to have some way of helping my brain believe that this thing can happen. And that’s one of Napoleon Hill’s mantras. If you can conceive it, and you can believe it, then you can achieve it. If you come up with the idea, but if you don’t believe it, you’re never gonna accomplish it. So that’s the whole SMART piece. So my goal, my SMART goal is to have that $500,000 in my investment account by the end of the year. 2019. Right now, I only have $50,000. So that would mean I’d have to earn or in some way, shape or form, find another $450,000 to deposit.

So maybe in December we’ll have an episode about robbing a bank, I don’t know.

And then increasing my passive income basically from zero to $5,000 a month, right now, and that is gonna be done through real estate investing, so purchasing real estate that’s gonna create a passive income stream through rental income and that’s the current plan.

So as far as tracking right to that now for the $500,000, I’m 10% of the way there and for the $5,000 a month in passive income, I’m about 20% of the way there. I get right now about a $1000 in passive income from my vacation rentals and that’s after all the expenses so now I need to do that again,

Next week, you’ll meet Tyler Sheff who basically says, Learn how to make your first $200 and then just do that a whole bunch of times until you have as much money as you feel like you need to retire. So that’s basically what I got the 1000 bucks. Now I’ve gotta just do that five more times and I’m in it for $5000.

Take a moment to set your own goals, if you have not already done so. You know, I’ll put a thing on the website that’s kind of like a guideline I guess you could call it, for setting your own goals, and if you want some help, just shoot me an email and I’ll gladly give you my thoughts.

I have a team of folks at my office, we have a program called Real Estate Investing. Is it For You? And we’re working on… One of the things we did to get ready for that program was work – everybody worked their way through my book, which is called, Empower Your Inner Millionaire, A Woman’s Guide to Financial Freedom through Real Estate Investing.

And pretty much, the first thing we talk about is goals. And so, everybody tried to come up with their own goals and it was very helpful to bounce your ideas or your goals off somebody and have them question you until it was really a SMART goal. So, to keep… if you have somebody who you can talk to who will keep drilling down and drilling down and drilling down and you know who’s a good person to choose is a very young person. Tell your 10-year-old child, okay, here I wanna come up with SMART goals. They have to be, if I tell you the goal: I wanna have a million, does that help you to understand what I need to do today? And they’re gonna say No, of course not. So you need to keep drilling down and asking questions and making things more and more specific until that 10-year-old child can say to you, “Yes, let’s go we’re gonna do this right now. We need to make contact with five people who are gonna help us to crowdsource some funds that we can use to invest in real estate,” for example.

But that’s what you wanna do is keep narrowing, narrowing, narrowing, until you get to some activity that you can take on today, that will get you toward that goal.

Alright, so that’s Where-am-I Wednesday and I give you all that information because who cares where I am, I wanna know where you are, I’m wanna know what’s going on in your life and you don’t know where you’re going, you can’t really tell anybody how far along you are.

So Thank-you Thursday. Just take a moment and think of somebody who has made a real impact on you this week it could be anybody, it could be that you, somebody let you out in traffic when you thought it was hopeless, it could be the somebody bought you lunch and had a really… And you ended up having a really meaningful conversation with you, it could be a stranger that you met on the train, who for whatever reason, impacted you.

This week, I wanna just give my gratitude to my mom who is for sure the rock of the family, which I know is pretty normal for moms to have that job. But we’ve had some setbacks this past year, and she’s just been such a trooper, and I’m so grateful to have had a mom like her and both my parents are so supportive of me and my crazy… why do you wanna do a podcast instead of having a real job?

They don’t say those kind of things to me, so I appreciate their support and just confidence and faith in me.

Alright, so for Foodie Friday, let’s make a Roughie, which is a phrase that John coined. Because when I had him try it, and told them it was smoothie, he said, “This is not a smoothie it’s a Roughie, because there’s nothing smooth about that drink.

Basically what we’re gonna do is I have one of those Ninjas but a blender will work. It’s a little bit tougher I think with a blender, but any kind of food-processing-type device and you’re gonna take some food, and throw it in there.

The first thing I like to start with is some type of root vegetable maybe carrot or beats or something along those lines and not like a potato, potato, and sweet potato, I’ve tried those. Not good, but -something more along the carrot/beet-type of line is a nice way to start. I also like some more watery things like celery, and watermelon, and things like that, help to make it nice and moist. And then you’re gonna take some kinds of other leafy vegetables.

What I like to do is go to the farmers market and get the beats with the greens still on them, and then use a beet and some of its greens, throw that all in there. You can throw… Lettuce, cucumbers, basically any type of fruit or vegetable. I like to put berries in there, but the Roughie for me is a lot of times like a fridge clean out.

So if I have a lot of different kinds of maybe fruits and vegetables that aren’t quite exactly as nice and fresh as they once were… I throw ’em in the Roughie and they’re delicious. And the nice thing too, is you don’t have to be fussy like if you throw a strawberry in, you can throw the greens in as well, you don’t have to take the middle out of the strawberries or anything, you just rinse them and throw them in. Make sure everything you put in has been washed but… again, broccoli, beets carrots, celery, any kind of fruit.

I don’t tend to put in citrus but I suppose you could… And then I like to put in a little bit of things that I think are good for you, but that you probably don’t wanna eat on your own, like a little splash of apple cider vinegar, the one with the mother that has all sorts of floaters in it, a little bit of black strap molasses, just kind of drizzle a little bit around the top and some honey, a little splash of water is good, especially if you’re having trouble blending it, it might be because it’s too thick, so a little splash of water, and if you’re making it for one, you don’t need very much at all. I mean, I usually make a whole big blender full or Ninja full, and I end up either eating it over the course of two days or I eat it for breakfast and then I kinda snack on it throughout the day.

Basically, what you’re doing is you take all these things that I’ve already mentioned. Throw them in your blender/ Ninja /food processor. Grind them up pretty well. You don’t wanna be able to necessarily recognize any specific food that’s in there so get it really nice and ground up so that every bite that you take will have a whole bunch of different exciting flavors in it.

Oh, I’ll make one correction. I said, “No centers, but I do sometimes squeeze a little bit of lemon juice in there, just to give it a little bit of extra flavor. And the other thing, don’t forget, you can use are herbs, which are delicious in a Roughie: a little bit of basil, some dill, all those kind of nice herbs just really just kick it up a notch. So once you get all that stuff ground-up nicely, now you wanna take the extra step that’s really gonna turn it into a Roughie, and that is the nuts, I love nuts.

Oh, and that actually, sorry I keep thinking of other stuff, but I sometimes put just a little dollop of peanut butter in the first round. And that also has an interesting taste, but be creative. Any crap you have hanging around the kitchen, give it a shot, throw it on there, see how it goes. For your second phase. So, first phase everything gets ground up. Second phase, take a handful. Actually, what I do because I like the crunch I’ll take a handful of almonds, whole raw almonds, and a handful of whole pecans. You can also use, obviously, walnuts, peanuts whatever you like. And then I put those in for a second grinding.

And I don’t grind it as much because I like to get big chunks of nuts, not huge chunks, but you know, I don’t like to grind it to death so that I can’t tell what’s a nut and what isn’t, I like to have, I still have a lot of substance. And what that does for me, is that it makes me feel like I’ve actually had something to eat.

You know, if I just drink a breakfast, in an hour I’m gonna be like… Okay, so where’s the next course? But with this, this will fill me up right through to lunch time. And also, it can take a while to eat. Some time I’m still eating it at lunch time. I’ll put it in a big glass and I can… It’s very thick. You’ll be surprised how thick I suppose you can also use more water, you can use ice, which I never do, if I wanna make it cold, I’ll sometimes throw in frozen blueberries, or something, but in general, it’s just the coldness of the vegetables. But anyway, make it your own. The point is to try this cool, interesting thing to eat and let me know what you’ve added, what kind of weird things you’ve added to make it different.

Surprise me Saturday. I just wanna talk about financial independence since that’s the beginning of our charter. Long life. I think you know what that is, although we’ll talk a little bit about that in future episodes. Financial independence is defined as having 25% or sorry, 25 times your annual expenses in savings.

Now, I don’t 100 percent agree with that for many reasons, but if you search financial independent, that seems to be the agreed upon definition and I’ll tell you why they use that because there’s also an agreed-upon statistic that says that you can withdraw 4% of your savings every year, and not have to worry about touching the principal. So if you wanna be financially independent at 12 years old, you should be able to, whatever your nest egg is you should be able to withdraw 4% of that even if you live to be 112.And that’s the price that’s the… I guess the philosophy but I disagree with that on a number of levels. First of all, it’s not, it’s very conservative, to say that you’re only ever gonna make 4% on your assets and especially if you diversify, you have some in real estate, and you have some in stock.

Sure, you could potentially get involved in the stock market and the real estate market at the absolute top. And they’re just gonna drop like rocks, the day after you invest your money, but it’s more likely that that isn’t gonna happen, and even when the stock market goes down, not all stocks are going down at the same time and the same percentage. If you have a nice, well-balanced portfolio, you’re probably going to do quite well. Better Investing which I encourage – if you don’t currently invest in stocks, or if you do, and you don’t feel like you’re that good at it – log on to, and get a 30-day sample membership. Because that organization, I am absolutely in love with them, when I started investing in stocks, I actually believe it or I used this, the alphabet method. At first I tried the close-your-eyes-and-put-a-pin-in-it kind of method because I believed people who said, “Oh you know they have a chimpanzee pick stocks every year and he does this as well as Wall Street maybe, but… So I was a bit messed up… I thought that it made sense that stocks that have a single letter as their ticker would probably be long-established good companies, and if I just invested a certain amount of money in each one of the stocks that has one letter that I was gonna end up with an interesting, well-balanced portfolio. And maybe that’s true but it didn’t work very well for me, and I used to have the gift that as soon as I bought a stock, it would instantly start to go down.

Whole companies, in my opinion, have gone out of business because I bought their stock but then through the help Ann McNeill, who you’ll meet in a future interview, I discovered Better Investing, and it’s a website, it’s a group of people. It used to be called the National Investors Association, or something like that, but basically it’s a group of people who love the stock market, who get it, understand the stock market and who have developed some software to help you to analyze companies and determine -because that was the thing – So let’s say the company is great that they’re really solid, it doesn’t mean that you should buy their stock any old time.

There’s a range at which it’s a buy and there’s a range at which it’s a sell and it helps you to… They help you to figure out what that range is. So that was wonderful.

And their philosophy or their goal every year is to make 15% on their money.

Now, let’s say they don’t succeed, sometimes they only make 12% and you can actually… There’s a mutual fund that tracks the Better Investing top 200 stocks, so you could just not even do any work, and just buy that mutual fund and you’re probably gonna out-perform the market. But let’s say that all you make is 10% on your stock each year. Following the Better Investment philosophy that’s probably gonna be conservative, which means that if you spend… So with the financial independence definition that you see online, 25 times your annual expenses at $40,000 a year, which frankly is quite low, for expenses. If you don’t work, you can go and have fun and spend money all the time.

So if your expenses are $40,000 a year and you need to have 25 times that, you need a million bucks just to keep that $40,000-a-year lifestyle going.

I mean, I’m not really that excited about that. And first of all, I don’t want only have $40,000 to spend. Second of all, I don’t – And that’s before taxes, I gotta pay tax on that still – that is not enough money and a million dollars is a lot and by time I saved up a million bucks, cripes sake, I’m gonna be 100-years-old.

So if you can subscribe to Better Investing philosophy and get that down to 10%, they get making 10% anymore, and then you can suddenly instead of having to save a million dollars, you can only have to save $400,000 to get that same $40,000 a year in passive income. So that’s my suggestion about that. But the other reason that I don’t agree with the 25 times your annual expenses rule is because I don’t think that all your money should come from the stock market.

I think that some of it should come from real estate, and if you have some passive income from real estate there again, you want a million bucks in stock, you gotta go get a million bucks. It’s just the way it works. You want a million dollar worth of real estate, you can probably get away with $250,000, if not less so, and some of that money doesn’t even have to, not all of that money even has to be yours. You can take in investors, you can take in partners.

So, what is financial independence to me is having enough money, enough passive income every single month, so that I don’t have to work if I don’t want to, or if I do work, I don’t have to care how much I get paid, so I take on a job I love and they’re only paying me 10 bucks an hour, I don’t care, I don’t have to care about that because I have enough passive income so that I can live a happy good life regardless of what I may make as a salary.

Alright, that’s brought us through the week.

And again, if you’re confused by this format, I’m basically following in one day, this is the one-day summary, the binge-watching version of my sunrise series on Facebook Live, so if you want to hear the same kind of stuff, but with a beautiful backdrop and you get to see the picture, get to see the sunrise, and hear the waves crashing as we talk, then please Like my Facebook page and you’ll be notified when I go live in the morning and otherwise, every other week, you will hear this format where we sort of like I said, binge watch or summarize – back in the day, we would have called it the Reader’s Digest summary – of the Sunrise series.

Next week, in keeping with our one week sunrise series / one week interview format, next week we’re interviewing I’ll be talking with Tyler Sheff who is the host of the podcast, the CashFlow Guys and his whole raison d’etre, his whole idea and philosophy behind that podcast is to get your cash flowing to the point where you don’t have to work anymore, if you don’t want to. We say trading your time for dollars – or for yen or for pounds or euro, whatever your chosen currency is – you do not have to do that anymore.

So, please tune in next week for Tyler Sheff, and if you’d like to see the link to Facebook Live, a link to Think and Grow Rich, and any other resources that we talk about in any of the episodes just go onto the website which is, and you’ll see the episode, this is episode 2 and all the info from that.

Thanks so much for joining, and I look forward to seeing you again next week or hearing you or whatever, and always I would love to hear your comments, and good or bad, if they’re bad please be kind. Please say your bad thing, sandwich it between some compliments. I love your format, But you talk too much, but it was a pleasure hearing you today. Like a sandwich with the criticism in between. Actually do that to everybody, in your life, if you have something to share that is not 100% positive, just sandwich it between two pieces of compliment.

Alright, have a wonderful day.