[Applause]
let's get started
the first one is personal development
now in illustrating personal development
mr. shelf my teacher started with money
you know money's not the only place to
start in talking personal development
but it's where he started so let me
share the thoughts he shared with me
back then let me share them with you
here's the best lesson I can give you on
economics it's very simple we get paid
for bringing value to the marketplace
that's about as simple as I can put
economics we get paid for bringing value
to the marketplace now it takes time to
bring value to the marketplace however
we do not get paid for time so we cross
that out
mistakenly the man says I'm making about
$20 for an hour not true if that was
true you could just stay home right and
have them send your money so that's not
true we don't get paid for time we get
paid for value brought to the
marketplace now since that's true here's
one of the key questions of my talk to
you today is it possible to become twice
as valuable to the marketplace and make
twice as much money in the same time is
that possible the answers yes could you
become three times as valuable as you
might be right now to the marketplace
and make three times as much money in
the same time in the answers yes five
times ten times of course America is
unique it's a ladder decline it starts
down here let's say at five dollars an
hour and it keeps going up top income
last year eighty million dollars the guy
who runs coca-cola
now that's a heck of a ladder that's why
everybody wants to come here right the
boat people are not headed for Vietnam
people haven't plotted and schemed for
50 years saying if I could just get to
Poland everything would be okay
not true everybody wants to come to
America and the reason is because we've
got the best wind ever blowing in our
favor we've got the best economic
opportunity anybody's had in six and a
half thousand years and all you have to
do is understand it and take advantage
of it now there's some key questions to
ask here why would the marketplace pay
someone only five dollars an hour very
simple answer they're not very valuable
to the marketplace
now we must underline to the marketplace
this person might be a very valuable
brother yes remember the family valuable
yes valuable member of the church of
course valuable citizen of the country
yes valuable in the sight of God no
doubt we're all of equal value in the
sight of God but if you're not very
valuable to the marketplace you don't
get much money you say well it shouldn't
be that way well then you got to start
your own country you know this one's
been in process for 200 years and this
is the best we've been able to come up
with so far
but here's the key you don't have to
stay here now there was a big debate in
Congress last year that this $5 was not
enough should be six should be six
should be six but we don't need
legislation six is already on this
ladder the next step up you know if you
work for McDonald's they'll pay you $5
an hour to take out the trash if you
whistle while you take out the trash
they'll pay you $6 an hour so we don't
need that legislation you need to just
need to take lessons on how to whistle
have a good attitude
now as you begin to climb this ladder
why would the marketplace pay some
people $50 an hour
answer evidently they must be more
valuable to the marketplace ten times
more valuable and is that possible for
someone to be 10 times more valuable and
earn $50 an hour instead of five and the
answer is yes that's what America is all
about
now why would the marketplace pay some
people $500 an hour evidently
this person must be much more valuable
to the marketplace that's what's
important to understand to the
marketplace and with the marketplace pay
one person eighty million dollars for
one years work and the answer is of
course if you help the company make a
billion dollars would they pay you
eighty million I'm telling you it is
possible and that's why America is so
exciting that's why this financial
ladder is so exciting it's possible for
all of this to come true for all of you
no matter where you start as a student
in school just getting started out there
in the workplace this is all possible
for you now mr. shelf gave me the clue
on how to climb this ladder as high as I
wanted to climb now we're talking
primarily economics here there's a lot
of other ways to become valuable to your
family valuable to your friends valuable
to the community valuable to the team
right valuable to the to the team effort
valuable to the concert but here's what
he said to me in climbing this ladder
economically all you have to do is work
harder on yourself than you do on your
job once I heard that it made sense to
me I kept hoping that everything else
would change around me found out that if
I went to work on myself worked on my
skills worked on my language if I became
better than I was each year if I grew in
skills and language and vocabulary and
competence then I would become
attractive to the marketplace not very
long ago a company called me and said
mr. Owen we're expanding internationally
we'd like to have a bit of your
expertise to help us would you give us a
bit of your time we'll add some millions
to your fortune and I said okay and I
thought later isn't that interesting
they would call me then my second
thought was of course they'd call me who
else would they call I can get the job
done now what a contrast for me farm boy
from Idaho raised in obscurity parents
of modest means
when I was 25 how come I would get a
telephone call and someone offer me a
lot of money to help them in expanding
around the world
simple answer evidently something
happened to me between age 25 and where
I am today and I can tell you where it
all started from my teacher mr. chef who
said to me we don't have to change
what's going on out there that's the
wind that's blowing all we have to do is
change what's going on in here and now
there are several ways to do that on
personal development and let me give you
those ways here's the first one we must
learn from personal experience pretty
simple
learn what happens to you take a look
back over the last few months did you
make some mistakes how could you correct
those for the future take a look back
over the last year have you done it
right or done it wrong let's correct it
for the next year
learn from your personal experience mr.
chef asked me when I first met him he
said mr. Owen how are you doing you've
been out there now six years and I said
I'm not doing very well he said I
suggest you not do that anymore what a
simple Swift analysis to my situation
he said if you keep doing it the next
six years will be like the last six you
don't want that to happen let's make the
changes so learn from your personal
experience now here's number two why I
came to share this video experience with
you today and that I call it ope other
people's experiences that's me other
people
that's your teacher other people that's
your friends and colleagues other people
the people you meet that can pass along
to you their experiences what's happened
to them the mistakes they made how they
corrected them how they change their
health and change their bank account and
change their income and change their
future that's it
other people now there's two kinds of
people to learn from one is failures
it's too bad failures don't give
seminars right that would be valuable
bring your notebook have them tell you
how they lost it all and threw it all
away through their health away and
through their friendships away and
things didn't work out well that would
be valuable but now then we must also
learn from positive people that have
done well they've got the health and so
we asked them how did you become so
wealthy they've got the skills so we
asked them how did you become this
skillful they've got the income so we
asked them how did you get here in such
a short period of time so now here's
what's important in personal development
in learning from other people we learn
number one by observation we learn what
we see we watch people that are
successful in what they do in sports we
watch their disciplines in business we
watch their disciplines by observation
what we can see the reason I created
this video was something that you could
see someone's experiences translated for
you
second we learn by what we hear I've got
some of my lectures on cassette tapes so
you know you can take them with you
wherever you go
and learn by listening turn your car
into a mobile classroom and listen and
then listen to the sermon on Sunday
morning listen to the lectures listen to
the teacher listen to someone who's got
something good to say and then number
three is vitally important on personal
development and that is read all the
books all the books you can possibly
read in your lifetime mr. Joffe got me
started on my library I've got one of
the better libraries haven't read
everything in it but I feel smarter just
walking in it my library at least I was
smart enough to buy it now I got to be
smart enough to read it then of course I
got to be smart enough to decide what's
valuable and then do it but this one is
very important become a good reader some
books that helped change my life mr.
show-off recommended of course the Bible
and my parents made sure I was a pretty
good scholar by the time I was 18 that's
been so beneficial for me drawing from
those illustrations reading about those
stories people who made it and people
who didn't make it and what the
difference was and then other books that
helped to really change my life one
called Think and Grow Rich by Napoleon
Hill and then a book that helped me
become an
the independent by the time I was 31 and
that book is called the richest man in
Babylon by George claisen and I'm gonna
share a little bit of that book with you
when I get to financial independence
today our third subject but I started
reading the books attending the classes
making sure that I got in front of
people that had something good to say
and then I started keeping a journal one
of the major things my teacher taught me
was to keep a journal
he said don't trust your memory if you
hear something good just make a little
note and write it down now at first I
took you know notes on pieces of paper
and torn off corners and backs of old
envelopes and it didn't serve me well
you know thrown in a drawer then I
learned to keep a journal a bound copy
of all my notes so I would suggest you
do the same things that impress you a
poem that impresses you when you attend
a class some of the ideas that impressed
you jot them down you read something in
a magazine write some ideas take those
out put them in your journal keep a good
journal the rest of your life this will
serve you well my journals make up a
significant portion of my own library
and if you saw my library and saw my
journals I tell you what you'd have to
say this is the library and these are
the journals of a very serious student
no wonder mr. Owen is invited to lecture
and speak on his experiences around the
world so I want the same thing to happen
to you value captured that you can
resort to later go back over it and
review it and let it become valuable to
you so that's my first subject personal
development work harder on yourself than
you do on your job develop the skills
learn the lessons take the classes
absorb all that is being taught to you
these days and then later on of course
you can sort it out what's valuable for
you and how to refine it for your
business and for your life and for your
future but the main thing is to get it
and start this process of personal
change personal development and let me
say it one more time if you will change
everything will change
you'll never be the same you'll keep
growing as you look back on a few months
look back on a few years you won't
believe the progress you can make
economically your relationship with your
family your friends and whether you're
in sports or economics or whatever I'm
telling you that whole process of
committing yourself for personal change
personal value can really make your life
unique and worthwhile now let's cover
the second subject on setting goals mr.
chef gave me some tips on setting goals
that changed my life forever and I want
to share those with you so let's talk
about setting goals and I also want to
tie it to personal development and
you'll see how I'm gonna do it as I
progress here setting goals we need to
take a look into the future there are
four things to consider in terms of
attitude one is how you feel about the
past best advice I can give you on that
is treat the past as a school let it
teach you the mistakes you've made the
things that went wrong the things that
didn't work
don't use the past as a burden to carry
and don't use the past as a club to beat
yourself to death past losses past
failures past mistakes but let the past
be a school tough school maybe we've all
been through some tough stuff so if you
feel good about the past draw from it
for experience and let it teach you then
next is how you feel about the future
we've got to have the future well
designed the future is called the
promise and here's what we teach in our
leadership series the promise of the
future can be an awesome force for your
own future the promise of the future
designing the future there's two ways to
face the future one is with apprehension
and the other is with anticipation I
promise you and my travels around the
world most people face the future with
apprehension and here's why they don't
have it well-designed they've sort of
left that up to someone else too
Fix but here's the best way to face the
future with anticipation and you can in
you can face the future with
anticipation if the future is clear if
the future is well designed and I would
like to have you consider some thoughts
with me that helped me to really change
my future by giving it some thought and
some consideration and here it is in
setting goals it's very simple number
one decide what you want you just take a
little time you sit down and say what do
I want what kind of skills do I want
what kind of income do I want for the
future what would I like where would I
like to go places I'd like to visit
habits I'd like to acquire skills I'd
like to have you just take a little time
to think about what you want
economics friendships people you'd like
to meet places you'd like to go you just
take some time and then I suggest when
you've thought about what you want for
the future make a list
just jot it all down so really a very
simple process and then here's number
three keep all the old lists I'm telling
you this served me so well keeping my
old list of goals I look back now 1020
years ago at goals I said lists I made
and I smile now because here's what I
thought was so important you know 20
years ago now some of those things
aren't even on my list I've got a new
list
I've grown I've changed I've matured but
I give you that advice decide what you
want number two write it down number
three keep the old lists and then here's
number four when you get something
that's on one of these lists check it
off part of the fun of having a list is
checking it off and then if you can add
some drama to checking it off see that
that's what really helps I set a goal to
go to Spain many many years ago and when
I finally made my first trip to Spain I
had that journal with me that had that
list in it and while I had my journal on
my lap waiting for the wheels to touch
down in Madrid I waited until the wheels
touched the runway and I checked it off
just adding a little drama so part of
the fun of having a list is checking it
off now
here's what's important about the lists
in designing your future if the future
gets clear the price gets easier because
you got to remember for every promise
there's a price to pay
everybody's got to pay the price
everybody's got to do the deal
everybody's got to do the disciplines
everybody has to pay but here's what
I've discovered if the promise is clear
and powerful the price is easy to pay
the price is some classes the price is a
few books with prices a few disciplines
the price is finding something that will
make your life better and make you grow
make you change make you develop so the
first part of the key is to design the
promise then what is the price to pay
I'm telling you the price will be easy
anybody in my audience to fail no matter
where you are where you come from color
doesn't matter religion doesn't matter
where you grew up doesn't matter
circumstances don't matter I'm telling
you if you'll make the promise of the
future clear for yourself the things you
want the places you want to go things
you want to have the person you want to
become the skills you want the homes you
want the future you want the friends you
want all of the values of life that you
could possibly want if you'll make that
clear make those lists and be serious
about it I promise you it's an easy
price to pay anybody can pay it and the
best advice I can give you is if I can
do it you can do it
farm boy from Idaho raised in obscurity
I changed my life turned it upside down
turned it all around found economics
found future found promise and if I can
do what you can do so start setting your
goals and see if you can't get a better
excitement going for the things you want
to accomplish for the future
now here's my third subject and that's
called financial independence oh by the
way before I get to financial
independence let me cover one more point
one of the major reasons for setting
goals is for what they make of you
in achieving them my teacher advised me
when I first got started at age 25 he
said Jim why don't you set a goal to
become a millionaire
he said it's got a nice ring to it
you know enough zeros to impress your
accountant and he said I'm here to help
you you're only 25 years old you've been
to one year of college you've got a
beautiful family every reason to do it
why don't you set a goal to become a
millionaire and he said here's why and I
thought he doesn't need to teach me why
wouldn't it be nice to have a million
dollars
he said no then you'll miss it he said
here's why for what it will make of you
to achieve it
I'm telling you that statement changed
my life set the kind of goals that will
make something of you to achieve them he
said now
once you become a millionaire or what's
important is not the money I thought
that's kind of strange teaching he said
honest it isn't important he said you
could just give the money away now I did
better than that I lost it all the time
I was 31 I was a millionaire by the time
I was 33 I was broke and I'll tell you a
little bit about that story later
but when I lost all my money guess what
I found out mr. Joffe was right what was
valuable was not the money what was
valuable was what I became to earn the
money the skills I had the knowledge I
had about the marketplace the values
that I had going for me they were more
valuable than the money and here's an
important statement to remember it's not
what you get that makes you valuable
it's what you become so part of the key
here is to set the kind of goals that
will make something of you don't set
them too low so did you don't have to
grow and you don't have to read and you
don't have to try and you don't have to
stretch don't set them too low and then
don't sell out don't go for something
that's gonna cost you your virtue or
cost you your values or sell out your
principles there's a good middle road
here to follow goals that will inspire
goals that will help you grow change
develop and become better than you are
okay now let's talk about financial
independence
how to become rich by 4035 if you're
extra bright much sooner if you find an
opportunity like I did let me show you
how I did it financial independence
first of all I like the phrase financial
independence some people are a little
bit concerned about using the word
becoming rich or becoming wealthy and I
can understand that I struggled a little
bit with this is it okay to go for
becoming rich go for becoming wealthy
and maybe that's a bit too strong the
word or strong a term so here's what
I've come up with it I think is
comfortable for me and that is how to
become financially independent I think
it's every person's heritage here
especially in America to become
financially independent now let me give
you my definition of financial
independence financial independence is
the ability to live from the income of
your own personal resources financial
independence now it depends on how you
want to live if you need to $3,000 a
month if you need four or five thousand
a month if you need ten thousand a month
some people may need you know hundred
thousand a month but whatever you would
need to live and you could earn that
living from the income of your own
personal resources that's what I call
financial freedom financial independence
and let me show you how to acquire if
you start at age fifteen between ages 15
and 35 is 20 years and in my personal
opinion based on my own studies and my
own experience 20 years in my opinion is
enough time to become financially
independent if you're not you don't live
in the wrong country probably what's
happened is you have the wrong plane and
it's easy to be a nice person with the
wrong plan I found that when I was 25
years old I was broke at age 25 and I
was a nice guy you would have liked me
but I'm telling you my plans up until
then especially my financial plan left
me broke I totally changed it the next
six years and I became financially
so I know what I'm talking about it is
possible in a reasonable amount of time
15 to 35 whatever 20 years time enough
time you can do it much shorter period
of time like I did if you want to but
this is a reasonable enough time but
here's number one first of all you gotta
have the right philosophy philosophy is
our ability to gather knowledge and sort
through it and decide what's valuable to
develop a philosophy about life a
philosophy about our health a philosophy
about our family relationships a
philosophy about economics and if you
develop the right philosophy that's what
helps to set this sail so that in six
years it takes you where you want to go
instead of winding up like I did that
first six years of my economics broke no
money empty bank account the right
philosophy now let me give you a couple
of philosophies to consider here's the
first one it's called the philosophy of
the poor and here it is poor people
usually spend their money and invest
what's left that's the philosophy of the
poor now here's the philosophy of the
rich rich people invest their money and
spend what's left and here's the
startling answer it really doesn't
matter what the amount is what's most
important is not the amount what's
really important is the philosophy so I
would ask you to adopt this philosophy
of spending after you have invested
invest first then spend and I've got a
little formula that I'm going to share
with you now what should a child do with
a dollar I mean there's a lot of debate
going on I'm sure across the country on
what a child should do with the dollar
here's one opinion it's only a child and
it's only a dollar what difference does
it make well in my opinion it makes all
the difference in the world
a person's economic future starts with
the child with a dollar
somebody says all no you're only young
once let him spend it all well when
would you hope that would stop
somebody says well wait at least 50 and
broke like me and you know and then
you'll learn well no we don't want to
wait that long if I would have known her
earlier than age 25 I would have changed
in high school if I if they would have
had classes called wealth one wealth two
I'd have taken both classes I would not
have waited until age 25 so the earlier
the better so what should a child do
with a dollar here's the simple premise
to begin with don't spend it all and if
a child wants to spend the whole dollar
you got to say hey don't spend at all
you know don't spend it all they'll say
why not it's my dollar I earned it you
say I know you earned it but don't spend
it all they'll still say why not say let
me show you why not so you put him in
your car take him to the other side of
town and show them where people live
that spend the whole dollar just drive
him around kids learn best by visual
just drive around and say would you like
to live here kid says no would you like
to live like these people live kid says
no no then you can't spend the whole
dollar
so kids will get the message so you know
take him to other side of town show them
around unless you already lived there
and then just show them around anyway
don't spend the whole dollar now let me
give you my best view of what to do with
the dollar and I promise you if you
started at age 15 now if you're over 15
right you still got plenty of time you
still got 20 years you know if you're 30
you're still got 20 years I mean you
know you still got plenty of time to
start what I'm about to share with you
what to do with a dollar here's my first
bit of advice never spend more than 70
cents never spend more than 70 cents now
you got to pick some number and the
number you pick is gonna be determined
by your philosophy it's gonna be
determined by what you've been taught or
your experience teaching yourself when I
first met my teacher mr. show-off I was
at about a hundred and ten percent of
each dollar you know I'm down at budget
finance Hawking my furniture in my car
one more time and then I learned a whole
better formula for financial
independence number one
don't spend more than 70 cents now kids
say to me well okay what do I do with
the other 30 cents and here's what I
teach them 10 cents for charity charity
or church we're helping people that
can't help themselves 10 cents to
support worthy projects projects that
you feel good about 10 cents out of
every dollar
it's called being generous with part of
what you've taken out of society now in
my opinion nothing teaches us character
better than generosity no class no
teacher no book teaches generosity
teaches character better than generosity
and the best time to start is when the
amounts are small and I know if kids
learn these lessons well they'll give a
dime out of a dollar help people that
can't help themselves aport worthy
projects or if you belong to a church
they teach tithe piece of that's very
important now because when the amounts
get larger sometimes it's a little more
difficult you know giving a hundred
thousand out of a million someone says
oh if I had a million not give a hundred
thousand I'm not sure that's a lot of
money so the time to start is when the
amounts are small ten cents out of the
dollar okay next ten cents I call active
capital active capital means do
something to make a profit active
capital set aside a portion of your
income wages are okay but I'm telling
you wages will make you a living profits
will make you a fortune so set aside
part of your income as capital called
active capital any kind of projects you
can possibly think of you can possibly
come up with I'm gonna write a new book
I think for kids I think the title is
going to be of course kids should pay
taxes it's kind of an interesting title
in California kids do pay taxes when a
child walks into 7-eleven buy something
that costs a dollar the proprietor says
give me seven more pennies and the child
says hey what's these seven pennies for
the proprietor says that's
taxes kid says well hey I'm only eight
years old
for prior to says congratulations you're
my youngest taxpayer give me the money
so in California where I live kids do
pay taxes big question is should they
and my book will answer that question of
course kid should pay taxes nothing is
for free if you want to ride your
bicycle on the sidewalk instead of in
the mud you gotta pay the seventh inning
nothing is free so we all have to pay so
ten cents out of your living out of the
money you earn set aside for capital
capital to try your best to show a
profit and in my books gonna be all
kinds of ways kids to make money right
two bicycles one to ride one to rent and
you know it doesn't take long to figure
out some enterprise that'll start making
a profit then you must jot this down if
you're taking notes profits are better
than wages one you can't usually stock
wages until you're about sixteen fifteen
sixteen but you can make a profit long
before you're eligible to start earning
wages and then there's no limit to
profits and they can they can double and
triple and quadruple you know there's no
limit it's incredible how fast profits
can grow so profits are better than
wages wages make you a living profits
make you a fortune
now the third ten cents is vitally
important I call it passive capital
capital you let somebody else use a
financial institution stocks and bonds
mutual funds whatever let someone else
use it you furnish the money they use it
to make a profit but they pay you for
the use of it called interest and here's
one of the things that'll make you
financially independent fairly quickly
and that's called compound interest and
this is how you get it letting someone
else use a portion of grouper honey your
substance they show the profit they pay
you interest and this passive capital
and telling you over a sustained period
of time if you'll develop this little
ten ten ten and 70 especially starting
at age fifteen I'm telling you by the
time you're through
five you will be financially independent
you'll have the ability to live from the
income of your own resources and then
one more point on passive capital
there's a Bible philosophy I'm an
amateur on the Bible but there's a Bible
philosophy that teaches the borrower is
servant to the lender and if you want to
be in a powerful position as you grow
older finally when you become mature or
maybe have your own business things have
worked out for you for the future the
position you always want to be in is the
power position and that's called the
lender the lender is the power position
so if kids learn early enough and then
you ask them what they'd like to be when
they grow up I'm telling you once they
understand they'll say well one of the
things I want to be is one of those
lenders that's the power position not
the spender know you'll be pitied the
rest of your life if you just become a
spender you've got to become a lender
and I think this is one formulas to
follow 10 cents out of every dollar let
someone else use it be the lender power
position then try to show a profit can't
we teach our children how to take a
dollar search the neighborhood find a
broken wagon pay a dollar for it bring
it home you know clean it up sand it
until it's clean paint it red till it
shines straighten out the wheels till
they're true take it back to the
neighborhood sell it for $5 anybody can
do that now does the child deserve $4
profit in the answers yes society now
has a mended wagon that's what America
is all about finding something touching
it making it better making a profit
taking part of your resources helping
people who can't help themselves let
someone else use it to make a profit
some projects require more capital and
one person has exciting and then let
them pay you for the use of it America's
had this philosophy now all these years
communism has taught all these years
capital belongs in the hands of the
state not in the hands of the people
we've been teaching all these years
capital belongs in the hands of the
people not in the hands of the state and
we turned out to be right capital in the
hands of the kids capital in the hands
of the people
enterprises that make a profit
enterprises that grow it's the hope of
our future so that little simple formula
I hope will help you now one more key on
financial independence and that is
attitude attitude here's number one I
used to say I hate to pay my bills my
teacher straightened me out on that he
said let's see mr. Owen what you hate to
do is pay a hundred dollars on an
account and reduce your liabilities and
increase your assets I said well no not
if you look at it that way he said well
it all depends on how you look at it so
wouldn't you love to pay your bills
reduce your liabilities increase your
assets you got to have that kind of
attitude I found out the same attitude
about taxes I used to say I hate to pay
my taxes mr. show said well that's one
way to live but don't you understand
taxes is how we care and feed the goose
that lays the golden eggs wouldn't you
want to do your share someone says yes
but the goose eats too much probably
true but hey we all eat too much we all
need to go on a diet better a fat goose
than no goose so I finally became a
happy taxpayer now I think taxes are too
high so I'm working to get taxes lowered
for our economic future but then
whatever they turn out to be I gladly
pay do my part because that's what makes
the whole system run each of us doing
our part now I want these three subjects
to be valuable for you I want them to
have meaning for you
I want you someday to be financially
independent I want you to have the
personal development so that you feel
good about yourself if I had a chance to
meet you someday I'd like to have you
show me the list of goals that you've
got started the same is drawn here some
I've already checked off here's the
books I'm reading now here's what's
happened I'm developing the skills I'm
better this year than it was last year
I've got more self-confidence my skills
are developing that's what I want for
you and that's why I took the time to
come and share in this video message
with you I do seminars all around the
world but this is one way that I can
reach out and touch you in case you
can't come to my seminars wherever I am
maybe this video will reach you
somewhere and it'll have an impact on
your life and what I'd like to do is
later hear about it a letter phone call
or to have a chance to meet you in
person and now I'd like to leave you
with these four questions called
questions to ponder these questions were
valuable for me
and I want to make them valuable for you
here's the first one fly we all ask why
we should work this hard why take that
many classes why go to school that many
years you know why take the notes why
read the books
why work that hard why put yourself
through the push ups and the disciplines
why good question one best answer to why
I think is the second question why not
why not see how many books you can read
how many classes you can take
how many skills you can develop why not
see how valuable you could become to the
marketplace to your friends and to your
family why not see what you can make of
yourself why not see how far you can go
how much you can see how much you can
earn how much you can share why not
that's the heritage all of us have in
America especially is to see what we can
make out of our lives now that we've
been given this extraordinary
opportunity now my third question I'd
love to ask you in person but since I
can't do it in person I want to ask it
of all of you but I want you to take it
personally and my third question is why
not you why not you with good
self-esteem why not you starting to
change and setting goals why not you
starting to make progress toward
financial independence if I can do it
you can do it I wished I had a lot more
testimonials here today besides mine a
whole steady stream that would come by
and tell you their story someone who
started with nothing finally run a big
enterprise a mother who was on welfare
now she owns her own business in
addition to my story I wish I had a lot
more and if all of them told their story
guess how they would probably wind up
their story they'd probably say just
like me why not you if we can read you
can read if we can change you can change
if we can figure it out you can figured
out if we can turn it around you can
turn it around there isn't anything you
can't accomplish that's what those
testimonials would say and so I want to
say it to you personally why not you
you've got the brains you've got the the
stamina you've got the vitality you've
got the interest you've got your life
ahead of you you got the future you can
do it if anybody can do it you can do it
if one of us can do it hey we all can do
it and now here's my last question why
not now this is a good time as the 20th
century starts to wind down a few more
years as we get ready for century 21
what a good time to set your goals work
on yourself work on your skills what a
good time to get it together what a good
time to start this process personal
development growing changing developing
having a good plan for your money and
for your life and for your future why
not now and I hope I have a chance to
see you one of these days and share with
you the experience the reaction response
you might have had from my message today
and until I get a chance to see you on
this side of the world or the other side
of the world in some school or some
seminar or maybe I'll come and speak for
a company that you work for some day I
hope I get a chance to meet you until
then I wish you the best
I want all that I've gotten to be yours
and much much more
god bless goodbye
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