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Come on. I threw all that old excuse stuff away. Some people found it, though, and they're using it these days. My old list. I used to blame the traffic, the weather. Used to blame circumstances, right? People say I'm too. Too tall, I'm too short. I'm too old. I was raised in obscurity, raised on a farm. Parents of modest means. All the stuff. If you would ask me. How come you find yourself here, Mr. Rohn, age 25, living in America, land of abundance and opportunity. Pennies zero in the bank, not doing well, creditors calling. It would not have occurred to me to blame my philosophy. I found it easier to blame the company. Company policy. I used to say, if this is all they pay, how do they expect you to do well? So I figured that, you know, my future was going to be tied to what everybody else was arranging. The economy and right interest rates. I used to say things much. That was my whole explanation. Not my philosophy. Until my teacher taught me better that this is where the problem was. My own personal philosophy. Here's what's exciting about each person's personal philosophy. That's what makes us different than dogs and animals and birds and cats and spiders and alligators. That's what makes us different than all other life forms. The ability to think, the ability to use your mind. The ability to process ideas and not just operate by instinct. In the winter, I'm telling you, the goose can only fly south. What if south doesn't look too good? Tough luck. It can only fly south. But see, human beings are not like a goose can only fly south. I mean, you can turn around, go north. You can go east, you can go west. You can order the entire process of your own life. And we do that by the way we think. We do that by exercising our mind. We do that by processing ideas and come up with a better philosophy, a better strategy for our life goals for the future, okay? Plans to achieve those goals. All this comes from developing our philosophy. Philosophy helps us to process what's available. Well, when we get here, we got seed and we got soil and we got some rain and we've got some what? Sunshine and we've got some seasons and what the miracle of life. Now, the key is, what do you do with all this stuff? How do you turn all this stuff that's available here into equity and promise and lifestyle and dreams and future possibilities, all of this that's possible now with human beings? How do you take all this stuff and turn it into this equities and values? Well, it starts with philosophy. What is the seed. What is the soil? What is the sunshine? What is the rain? Is it possible to take some of each of all the stuff that's available and turn it into food and turn it into value and turn it into nourishment, turn it into something spectacular and unique that no other life form can do? And the answer is yes. But you cannot deal with all this stuff and what to do with it unless you start refining your philosophy, think, use your mind, come up with ideas and strengthen your philosophy. So the seed and the soil and the rain and the sunshine, this is called, you know, the economy and the banks and the money and the schools and everything that's available out there processing information, what to do with all that and turn it into equity and value. That is the major challenge of life. My personal opinion. So each person's personal philosophy now is going to determine what you're going to do with seed and soil and sunshine and rain. Miracle, the change of seasons. That's it. My personal opinion. Each person's personal philosophy is like the set of the sale. That's what this seminar is for today. Help you to trim a better sale. You don't need a better economy. You don't need better seed and soil. In fact, when it comes to seed and soil and rain and sunshine and seasons and the miracle of life, that's all you got. Now, what if you blame this stuff, then you're blaming all you got. If you blame the economy and you blame the schools and you blame the teachers and you blame the sermons and the preachers and. And you blame, you know, the marketplace and you blame the company and company policy, what else is there? When some people get through with their blame list, there is nothing else. That's all there is. And if you blame the only thing you've got to work with, I'm telling you, it's all mistake colossal in not understanding that that's all you've got to work with. And if this is all you've got to work with, then you don't change the seed and you don't change the soil and you don't change the rain and you don't change the sunshine. You don't change the seasons. Right, guys? I'll take three springs, four summers, nine falls. No winters. No, you can't fool with this stuff. You got to take it like it comes. Then what do you change to make your life work? Well, you got to start with your philosophy. Guess what I had to do at age 25 in order to change my own future? I had to Change my mind. I had to change my thinking. I had to change my philosophy. I was messed up on what was causing my problem. And once I got that straightened out, that all the stuff. I blamed the government and taxes and the marketplace and the economy and things cost too much. Negative relatives, cynical neighbors. Once I got rid of that and started going for where the real problem was, which was me, I'm telling you, my life exploded into change. My bank account changed immediately. My income changed immediately. My whole life took on a whole new look and color immediately. And the early results I got from making these philosophical changes tasted so good. I've never stopped the process from that day until this. And I'm telling you, with a little consideration of the refinement of your sale, by setting a better sale, refining your philosophy, your whole life can start to change. From today on. You don't have to wait till tomorrow. You don't have to wait till next month. You don't have to wait till spring. Don't have to wait till 93. You can start this whole process immediately. I recommend it. Now, some people do so little thinking, they don't even have their sail up. I mean, you can imagine where they're going to wind up at the end of this week, at the end of this month, at the end of this year. Now's the chance to change, process all this information. So number one is philosophy, okay? And we dealt with all that. Where we get ideas from personal experience, from other people's experiences. I don't want to get into all those details because we covered that the last time I was here. But philosophy, that's number one. My personal opinion. Each person's personal philosophy. Here's the definition of success and failure. Just make this note. Here's failure. A few errors in judgment repeated every day. Now, you can automatically assume. Mr. Rohn, I say I can understand that. A few errors in judgment repeated every day for six years. I'm with my father. I think I told this story the last time I was here. My father, 88 years old, he's never been ill, still hasn't retired not long ago. Midnight, we're getting ready to go to bed. We've drilled a new well, got some extra water, got some more acres going. He's all excited. At midnight, we're getting ready to go to bed. My father's eating what he calls his midnight snack. A little bite to eat before you go to bed. Don't have to go to bed hungry. And I'm watching him eat this midnight snack. Guess what? He had an Apple, few graham crackers and a glass of grapefruit juice. I said, no wonder my father's so healthy. My mom taught us all those good health practices. Taught me when I'm growing up, right? I'm an only child. I've never been ill. Passed the big five zero some time ago. My two daughters, 32, 33, never been ill. My grandkids, never been ill. Telling you, the legacy lingers on. As I watched my father have this midnight snack, suddenly occurred to me. I know that's part of it. An apple. What a day that's gotten to Dallas Fort Worth, right? An apple. An apple a day keeps the doctor away. Good question for this intelligent audience. What if that's true? You say, well, Mr. Rohn, if that's true, that would be easy to do. Then what's the problem? It's easy not to do. It's easy not to adopt it as your own personal philosophy or the guy messed up. The saying. Guy says, a Hershey bar a day. Say, no, no, you've been watching too much television. It is not Hershey bar. You got to be smarter in philosophy than to fall for the Hershey bar a day. When it's an apple a day, you've got to be smarter than that. And if you make that kind of an error in judgment every day for six years, I'm telling you, it'll accumulate into disaster. Sometimes the first year you say, well, you know, I'm so healthy now, what difference is it going to make? You got to be smarter than that. Just because disaster doesn't fall on us at the end of the first day doesn't mean disaster isn't coming. You got to be so smart that you look down the road and say, will the errors in my present judgment of philosophy, what's that going to cost me in 1 year? 6 years? 1 month? 6 months? I'm telling you, the money cost and the health cost and the success cost is too gigantic. If you'll look down the road a little ways and say, are there errors in my current judgment, like an apple versus a Hershey bar? Is that just a good illustration of some of the rest of my errors in judgment? If it is, that's where I found myself at age 25. I started working. When I was 19, I met my teacher who helped turn my life around when I was 25. That's six years. At the end of the first six years of my economic life, I've got pennies in my pocket. I've got nothing in the bank. The creditors are calling, saying, hey, you told us the check was in the mail. I'm embarrassed. I'm behind on my promises. I live In America, I'm 25 year old American male, I got a nice family, every reason to do well, and I messed up. Now what's messed up? I used to think it was the community that was messed up. And the country was messed up. And the government was messed up. If those Democrats ever get in the White House, that'll really mess things up. If the Republicans stay in power, that'll really mess things up. The economy was messed up, interest rates are messed up. I thought all this stuff was messed up. Then I found out that's not what was messed up. I was criticizing. The only thing I had to work with, what was really messed up was my own personal philosophy. My own errors in judgment in my own personal philosophy brought me in six years, two pennies in my pocket, nothing in the bank. And trying to explain why I wasn't doing well, living in America, 25 year old American male, got a family, every reason to do well. Now, once I understood this, here's the formula for failure. Errors in judgment, being lax about developing your own personal philosophy. I'm telling you, it's called accumulated disaster. It doesn't matter whether it's your health or your bank account. Guy's got an empty bank account, probably has high cholesterol. Why, over the last six years, he never paid attention to either one. And it doesn't matter whether it's a dollar, whether it's your money, or whether it's your cholesterol count. All you got to do is commit the errors. And just because disaster doesn't fall on you at the end of the first day that you don't eat an apple, you say, well, I didn't eat an apple today and tonight I'm not ill. Well, you got to be brighter than that. Someday you got to leave first grade. The reason we make those first grade deaths so small, so they won't fit at age 25. I mean, right? You don't belong here anymore. Come on. Now, let me give you the secret to success. The formula for failure. A few errors in judgment repeated every day for one month starts the weakness, starts the disaster process. You can imagine what happens in six years. Now, here's the formula for success. A few simple disciplines practice every day, and you've started a whole new process called a whole new life. A few simple disciplines practiced every day. And if you decide today to go for the apple instead of the Hershey bar, I'm telling you you have begun the process of turning your life around. And if you keep up that process, not only with your health habits, but with your money habits and with your communication habits, with your sales habits and management habits and every other habit that you've got, if you'll start that process, eliminate the errors and replace it with disciplines practiced, I'm telling you, you can start this process of life change immediately after today. You don't ever have to be the same again, only by choice. You don't have to walk out of here the same as you walked in today, only by choice. You can start a whole new process. And you say, well, Mr. Owners, at that Simple. Yes, it's that simple. Where else would you start but with an apple? You don't have to start with something staggering. What if you should be walking around the block for your good health and you don't, what'll that do in six years? I'm telling you, the word is disaster. You could and you should and you don't. Here's an even stronger word. You won't. I mean, don't might mean you're careless. Won't probably means you're stubborn. And either one's called disaster. Could, should, don't. I'm telling you. That's why at the end of five years, I. Six years, I found myself with pennies in my pocket, nothing in the bank, creditors calling could, should, won't, could, should, don't is called dis. But I think that's good advice. Don't be a follower. Be a student. Right? Take advice, but not orders. Take information, but don't let somebody you know order your life. Make sure what you do is the product of your own conclusion. Excellent note. To make, make sure what you do is the product of your own conclusion, not to do what someone else says. Take what someone else says. Process it, think about it, ponder it. If it makes you wonder, if it makes you think, then it's valuable. Then when you go, take action. Make sure that the action is not what somebody told you to do. Make sure the action is the product of your own conclusion. If you'll follow just a little bit of those simple guidelines, I'm telling you, the learning process can be speedy, swift, powerful. Your learning curve can go up. And then applying it to your business, your life, your family, conversations, equities of all kinds, you'll find some progress. Like I did that first five years when I met a teacher willing to share with me, turn my life around. Progress I couldn't believe happened for me. Okay, let's get Started. I want to review. I was here last time and we talked about the five major pieces to the life puzzle. And I just want to review those because it lays such a good foundation for all the rest that I want to share with you today. We got a lot of subjects to cover, so we're going to go rather swiftly. Okay, put on your mental track shoes here and run with me today because I'm going to deal mostly in concepts. Expect you to, you know, fill in a lot of the details because I've got a lot to share. I want to get through it all. But let's lay this foundation again. Of the Five Major Pieces. Happens to be the title of my latest book. But I think it is so valuable in laying a foundation at some of the things I Learned between ages 25 and 30. The teacher who taught me, taught me so well. He dealt in these fundamentals. We call these fundamentals. We call these basics. Basics for sports. Fundamentals for sports. Fundamentals for your business. Fundamentals for the way you deal with your family. A few simple things. A few basic things that if you practice every day, can make all the difference in the world. How it works out. I boiled it down to five major pieces to the life puzzle. Let's just review those. Number one is philosophy. Philosophy. As I taught the last time I was here, philosophy, in my personal opinion, is the major determining factor in how your life works out. Philosophy. The major determining factor in how your life works out. Philosophy. To form our philosophy, you gotta think, Got to use your mind, gotta process ideas. This whole process over a lifetime, starting way back here when we were children, schools that we've attended, our parents, our experiences, all this stuff that we've processed by the thinking process helps to develop our philosophy. And in my opinion, each person's personal philosophy is the major factor in how your life works out. Here's what I called it in that last presentation when I was here. It's called the set of the Sale. Each person's personal philosophy is like the set of the sale. Now, I used to think it was circumstances that ordered my life. If someone would have asked me at age 25, Mr. Rohn, how come you're not doing well? Pennies in your pocket, creditors calling, nothing in the bank behind on your promises to your family. You live in America, 25 years old, got a beautiful family, every reason to do well, and things are not going that well for you. What is wrong here? It would not have occurred to me to blame my philosophy. I mean, it would not have occurred to me say, well, I got this lousy philosophy, and that's how come I got pennies in my pocket and nothing in the bank. Things aren't working well, that would not have occurred to me. I found it much easier to blame the government. Much easier to blame the tax problem. I used to say taxes are too high. Top tax rate when I first started paying taxes 91. Back then, when your income reached a certain level, all your income over that 91. So I used to say that's two. All right. Now the tax. Top tax rates about 33%. But people are still saying what taxes are too. See? But you can't use that anymore. If it's gone from 91 to 33, how could it be too high?