Get Your FILL
E04 - IDWT Dye

Think and Grow Rich

The Secret

Rich Dad, Poor Dad

*Intro and outro music are from an original piece by

Carl Zukroff of The Blue Hotel

Arm Tenses

Chopped Salad

Scroll for Full Transcript

You’ve stumbled onto the podcast, Get Your FILL, Financial Independence, Long Life, where we look for ways to achieve those two goals. This week is in the sunrise series format. I hope you enjoyed the last episode where we interviewed Tyler Sheff, the CashFlow Guy.

Tyler is such a generous person. When I first met him, it was at Podfest, which is like a convention for people who want to do a podcast. And he knew, I told him, that I did not yet have a podcast. I said Look, this is just a goal. It is not a reality and I would really love to interview you even though I have nothing to offer. I can’t tell you. Oh, we have all these listeners whatever, nothing, and he said, “Sure I’ll do it.

I mean, who does that, right? He’s a busy guy, he’s got a lot going on. At the time, he was just getting ready to embark on his around-the-country motor-home journey and he just was so thoughtful and helpful and generous with his time. Give him a listen and hear what he has to say because he could change your life – just like that – in a half hour, just change your way of thinking about money.

This week, for Move-it Monday, let’s do this thing with our upper body, arms – it’s mostly arms, but it kind of incorporates your whole upper body. If you’re driving – when I’m driving is when I like to do this – I grab both sides of the steering wheel in a 3:00 and 9:00 position and grab the steering wheel and alternate between pulling it toward me and pushing it away from me and pulling it toward me and pushing it away from me, and tensing up, my whole arm, all the way up to my shoulder blade.

So, when I’m sitting there with my arms really tight, I’m kind of also pulling my shoulder blades, towards each other in the back. And then when you pull the steering wheel toward you, you’re sort of almost pulling your shoulders a little bit closer together in the front.

This is a way of just sort of tighten up your upper body and your arms and obviously you’re doing it when you’re not doing anything else that’s kind of my whole thing around these move-it Monday exercises, I mean anybody can get up in the morning and run or anybody can get up in the morning and go to the gym, but these are things you can do just in the course of your normal day, which is sort of my philosophy and I wanna just give this caveat, I’m not an exercise therapist, I’m not schooled in any sort of teaching any kind of exercise thing, I haven’t been to college to become a whatever, I don’t know jack about exercise. this is just stuff I do for myself and I look better than a lot of 55-year-olds. So take that as it is, but obviously don’t do anything that doesn’t feel good, don’t do anything unsafe, don’t so me, because I am telling you right out of the gate: I don’t know jack about exercise, this is just something I do in my day that seems to help me.

Alright, so that’s Move-it Monday: tighten up your arms, get some sort of resistance going and just use that upper body.

TAGR Tuesday: I’m not normally going to read to you from Think and Grow Rich. That is not my thing, but just to set us off on the right path where we’re just getting into the book, Think and Grow Rich. If you’re not 100% convinced that you want to have anything to do with the book, I just want to read a little bit of the preface. And again, this ties into the book and the movie, called The Secret and the secret is what Napoleon Hill is revealing in Think and Grow Rich. It’s sort of the core message. And he never says exactly what the secret is, because he feels like that that would be cheating.

Alright, this is from his preface of Think and Grow Rich:

In every chapter of this book, mention has been made of the money-making secret which is made fortunes for more than 500 exceedingly wealthy people whom I have carefully analyzed over a long period of years.

The secret was brought to my attention by Andrew Carnegie more than quarter of a century ago. The canny, lovable old Scotsman, carelessly tossed it into my mind when I was but a boy then he sat back in his chair with a merry twinkle in his eye and watched carefully to see if I had brains enough to understand the full significance of what he had said to me. When he saw that I had grasped the idea, he asked if I would be willing to spend 20 years or more preparing myself to take it to the world – to men and women who without the secret might go through life as failures.

I said I would, and with Mr. Carnegie cooperation, I have kept my promise.

This book contains the secret after having been put to a practical test by thousands of people in almost every walk of life. It was Mr. Carnegie’s idea that the magic formula which gave him a stupendous fortune ought to be placed within reach of everyone who does not have time to investigate how successful people make money.

It was his hope that I might test and demonstrate the soundness of the formula through the experience of men and women in every calling.

He believed the formula should be taught in all public schools and colleges and he expressed the opinion that if it were properly taught it would so revolutionize the entire educational system, that the time spent in school could be reduced to less than half. Even before it had undergone 20 years of practical testing, the secret was passed on to many thousands of men and women who have used it for their benefit as Mr. Carnegie plan that they should. Many have made fortunes with it, others have used it successfully in creating harmony in their homes.

The secret to which I refer is mentioned no fewer than 100 times throughout this book. It has not been directly named for it seems to work more successfully when it is merely uncovered and left in sight. For those who are ready and searching for it may pick it up.

That is why Mr. Carnegie, tossed it to me, so quietly without giving me its specific name.

If you are ready to put it to use, you will recognize the secret at least once in every chapter. I wish I might feel privileged to tell you how you will know if you’re ready, but that would deprive you of much of the benefit you’ll receive when you first make the discovery in your own way.

A peculiar thing about the secret is that those who once acquire it and use it for themselves, are literally swept onto success with what seems to be little effort and they never again submit to failure. If you doubt this, study the names of those who have used it wherever they have been mentioned. Check their records for yourselves and be convinced. There’s no such thing as something for nothing.

The secret to which I refer cannot be had without a price, although the price is far less than its value. It cannot be had at any price by those who are not intentionally searching for it. It cannot be given away and it cannot be purchased for money for the reason that it comes in two parts. One part is already in possession of those who are ready for it. The secret serves equally well all who are ready for it. Education has nothing to do with it.

And then he goes on to give a lot of examples of people who have used it and all that kind of stuff. And then he says to close it out:

Remember too, as you go through this book that it deals with facts and not with fiction. Its purpose being to convey a great universal truth through which all who are ready, may learn not only what to do but also how to do it and receive as well the needed stimulus to make a start.

As a final word of preparation before you begin the next chapter, may I offer one brief suggestion which may provide a clue by which the Carnegie secret may be recognized. It is this: all achievements, all earned riches have their beginning in an idea.

If you’re ready for the secret you will already possess one half of it, therefore you will readily recognize the other half the moment it reaches your mind.

So there… That is the Intro to Think and Grow Rich. And now starting two weeks from now, we’ll pick and choose pieces of the book that we’re gonna – well, I guess that I’m gonna – talk about but I will bring on some people who know a lot about Think and Grow Rich to chat about how they’ve applied it in their own lives. If you want to be one of those people send me an email on the website which is:

Alright, Where-am-I Wednesday? In my quest to or my goal to lose 15 pounds this year, between now and the end of the year I am going to stop or greatly curtail my intake of bread.

That is something that I’ve noticed, ’cause I’ve kind of been off bread different times in my life and I’ve noticed that it gives me a little bit of a paunch -like a belly- and I feel like when I eat a lot of bread that I put on some sort of fat. I don’t 100% give this as advice to everybody because I do think everybody’s body handles food differently, so that’s my sort of thing. But if you have a goal of reducing your weight or increasing your fitness level, pick something that works for you and just do it. One little thing, like cutting down on bread. What does that mean? It’s not a specific, measurable goal. So my goal is actually gonna be to stop eating wheat in all its forms, but knowing that I may not be able to do that 100% cold turkey, in my mind I’m already giving myself a little bit of an out, so that’s not ideal, but anyway – let’s see how we make out with that.

That’s on the long-life portion, the healthy-body kind of portion of my goal. On the financial independence part of my goal- did you ever read Robert Kyosaki’s book, Rich Dad, Poor Dad. That book has some really wonderful insights and paradigm shifts. So you’re reading the book and all of a sudden he says something and you think, “Oh my God, I never thought about it that way.”

One of the things that did that to me is his discussion of assets and liabilities. Because we think of oh my house is an asset, my car is an asset but if that thing is costing you money, and it’s not giving you money – if you are a Uber driver, and you have a car, it’s an asset, it’s making you money, it’s putting money into your asset column.

But if you don’t, if you just drive around in your car, it’s not an asset. First of all, a lot of people’s cars are costing them money every month. That makes it a liability. It’s most likely not worth more than you paid for it but even if it is for some reason worth more than you paid for it, if you sell it, you’re just gonna have to buy another one. So it’s not really – don’t think of it as – an asset. And the same thing is true with your home. Almost everyone who you could ask is gonna tell you that their home is an asset, but if you need a place to live, and you can’t turn around and sell it easily, and it’s costing you money every single month without putting money into your pocket, it is a liability. It’s going into the minus column – every month that you own that house – although maybe it’s going up in value, maybe whatever, you’re still taking money out of your pocket every month to support that item. That makes it, in Robert Kyosaki’s definition, that makes it a liability.

So this, my initiative for this is I’m converting my single family house – and it is not a huge house, it’s a 1200 square foot ranch – I’m converting it into a two-family house and I’m going to rent one side of the house on Airbnb and if that doesn’t work out great, then I’m gonna rent it to a regular person but I kinda like the idea of not always having someone living next door. So that’s my plan to turn my home, which is a liability, into an asset that is earning me money every month or at the very least breaking even and I’ll let you know how I make out with that as time goes on.

Alright, so for Thank-you Thursday, I need to thank my partner, John.

I’m doing a lot, making a lot of changes to my life and they’re not all kind of conducive – I shouldn’t say they’re not conducive to a good relationship – but they’re not all particularly nurturing to our relationship or to him as a person. A lot of things are causing us to actually spend less time together. And when we’re spending that time, sometimes it’s like him filming me making a recipe for Foodie Friday.

So as you can see, that’s not really great but he does not complain, he doesn’t mind, he hasn’t done anything but be 100% supportive. And I know how rare that is in a relationship, in a human being. So I need to thank John in this episode, for being a great, lovely, supportive person.

Alright, Foodie Friday: I’m gonna share my not-particularly-precise chopped salad recipe with you. Good morning and happy Foodie Friday. I’m just putting the finishing touches on this delicious chopped salad. It’s very famous. So let me tell you how I make it. The reason to make a chopped salad, instead of a more traditional salad is because all the things that are in the salad are tiny so that every time you take a fork full, you should get a lot of different flavors. We’ve got at least two or three different kinds of lettuce. There’s pear, there’s some cabbage, all kinds of yummy ingredients. Oh, here’s some cucumber. I would take a bite, but then I’d have to chew. So now, I’m just gonna put a little bit of tomato. I always do that last, because you don’t want it to kinda get slimy.

So you wanna capitalize on that chopped salad and make sure that every bite that someone gets is just filled with flavor. Put things in here that you might not think of putting into regular salad.

Mine has spinach, I took some lettuce from the garden – a couple of different kinds of lettuce from the garden like a spring mix – I put some really spicy arugula in here. But I also put in things like a little bit of mint, a little bit of dill, just some really flavorful things. There’s some broccoli, some little tiny pieces of broccoli. there are cucumbers.

I took some coleslaw mix so that the cabbage and just sprinkle that in just a tiny bit. You can just see a few little pieces of cabbage, there’s some carrots, chopped really small and now I’m just gonna throw in a little bit of avocado, which again I sliced up really small inside the thing, so I just go in, cut up little tiny pieces inside the peel, I don’t know what you call that – the shell – and then squeeze it out because I’m lazy. squeeze that out, and then your tomato. And all this is optional. That’s the thing, the idea is just to try to put as many little flavors as you can into the salad and to make them small enough so that every time someone takes a bite, they’re getting a whole bunch of really crazy, yummy flavors.

Here are some blueberries, let’s throw a little blueberry in here. Don’t be afraid to throw fruit into your vegetable salad, a few blueberries and then whatever you have lying around and then I’m just gonna garnish the outside edges with a little bit of tomato, just like this to add a little bit of color, I’m just gonna go all around the edge with that. This is an excellent thing to have at a party if you have to bring something and if you want, if you’re having folks over they’re gonna be like, “Oh my God, can I have the recipe? And this happens to me all of the time: I’m not sure, I’m not sure what I put in here.

I mean, things I just saw lying around the kitchen ended up in here, so I’m sorry I’m not holding out on you when you come to my house and ask me for the recipe. I just legitimately have no clue what is in here, but try it, throw in some stuff from your own kitchen and it will become your famous chopped salad.

For Surprise-me Saturday, I came to a realization, and it’s kind of… It makes me feel a little uncomfortable and that is that coloring my hair – my hair is now parts of it are 100% gray, parts of it are salt and pepper. Parts of it are like… But anyway, I know that I have a lot of gray hair but I realized that dying my hair is doing absolutely nothing to help me toward my goal of financial independence and long life. Sitting in the hair salon for hours, spending literally hundreds of dollars to change my hair to a different color, and knowing that the dye is having an impact on my body, that it’s introducing harmful chemicals into my body. I can feel my scalp itching and at this point in my life, I feel like a couple of weeks or a week after I get it done, it’s already growing out, and I feel self-conscious about it, so I’ve thought about this for a long time, and I’m going to stop coloring my hair, and I know that I’m gonna be feeling really weird and exposed and old.

And so what I’m gonna do is explore some natural ways to tame the gray. I have all kinds of ideas about this that I’ve been researching online and looking at and it’s all gonna be things you can eat. That I’m gonna use to color my hair, so stay tuned for that little weirdness.

Yeah, so that’s my… I don’t want to dye d-y-e revelation.

The next show next week is going to be an interview with Lisa Jeffery. Lisa Jeffery is a real estate agent out in the DC area. She has a TV show called Real Estate Talk with Lisa Jeffery.

It’s like this. How do we come up with these great names?

She is a fire plug. She is funny. I cut out some of the stuff where we were talking ahead of time, but she had me in stitches. And the thing about her is that she’s so generous – she really just wants to help people in their lives to achieve their goals, to learn about real estate, to become real estate investors and become homeowners. And so she devotes a lot of her time and energy to accomplishing that goal of helping others and she’s gonna share with us some stories about her life, about real estate investing, what she’s learned, what she’s taught. It’s gonna be a great show.

So check it out next week, as always – for links to any resources we discuss on the show, future podcast, information about anybody who we interview, a free download of my book, Empower Your Inner Millionaire, a Woman’s Guide to Financial Freedom through Real Estate Investing, please visit the website which is Have a wonderful week and I look forward to sharing Lisa Jeffery with you next week.