LIVE WITH VISION; DO NOT DIE WITHOUT HAVING LIVED

By Terry Carter, Editor

“Man. Because he sacrifices his health in order to make money. Then he sacrifices money to recuperate his health. And then he is so anxious about the future that he does not enjoy the present. The result being that he does not live in the present or the future. He lives as if he is never going to die — and then dies having never really lived.” 

— James J. Lachard, on what is most surprising about humanity

The summary above describes the average day, year and life of the average person who is working hard and getting ahead in the 21th century. Some work to make money. Some to fill time. And others don’t work at all. They seem to play for 8-12 hours each day, enjoying each challenge, each event, each interaction they have while pursuing their life’s work.


That person, if you study the details carefully, is not unusual, nor a rebel. He is hard working, perhaps so busy he does not make time for family dinners, teaching his children to play ball or drive the car. He may have stayed at the office late to make financial ends meet, to afford a family vacation or to consider retiring late in life. It’s easy to justify the actions because nearly all of us have ignored what is actually more essential — in hindsight — to pay attention to the task at hand.

The fictional character described in the first paragraph dies having missed the reason and the joy of why he lived. He was so driven by societal means goals to “work hard to get ahead” and “promotions come to those with seniority” that he worked beyond the patience of his friends and family, who wanted him to have fun. At the end of his life, he will be well remembered for his work, but the end goals of joy, love, amazement and surprise were planned out of this type of life. 

Nearly everyone grew up pursuing means goals, including “get a college degree,” “work for one company during your career” and “marry once for life.” Of the 350 high school graduates from my high school, I suspect perhaps 30-40 percent did not receive a college degree, 95 percent did not work for just one company in the past 30 years, and perhaps 70 percent have exceeded the once social norm of one spouse per lifetime.

In the 1980s, no one mentioned end goals, such as climbing the tallest mountains on each continent or being surrounded by love daily, as they are primarily emotion-based that will make us happy or satisfied. End goals are about “following your heart,” Vishen Lakhiani writes in his book The Code of the Extraordinary Mind. 

Means goals typically take us another step toward a place that our elders or society suggests will make us happy, But there are stipulations and complications. See how this sounds:  You should get a college degree…so you can get a good career… so you can retire. Then you will be happy. As many of us know, the college degree put us in debt and 4-8 years older. The career allowed us to pay off the debt and afford a family and some lifestyle. The retirement, however, is not as likely as we imagined as teenagers.


Stop during your work week and look at your career as you walk or hurry through the day and the deadlines. Do you feel energized to go to work today? Did you spring out of bed this morning because of how great today will be? If not, why not? For each day is only as special as we make it.

We need to dig and change our software and hardware to bring computers to the market. And we need to do the same with ourselves. Ask yourself a few questions to see if your means goals are in line with your end goals. If they are, then your path may have been perfect for you. I have had to re-adjust my path several times due to changes in the economy (new hardware), new information I have uncovered (new software) and unpredictable events. These questions are taken from Lakhiani’s book, regarding all areas of our lives including relationships, spiritual, healthy and intellectual growth, careers, family and communities:

  1. What experiences do you want to have in this lifetime? The in-depth question is: If time and money were of no object and I did not have to seek anyone’s approval, what kinds of experiences would my soul crave?
  2. How do you want to grow? The in-depth question here is: In order o have the experiences above, how do I have to grow? What sort of person do I need to become?
  3. How do you want to contribute? The follow-up question is: If I have the experiences above and have grown in these remarkable ways, how can I give back to the world?


Answer me this, and your frustration with day-to-day work will vanish because we will begin to unlock your vision. A person who works to accomplish their vision never works as we know work. He or she enjoys every moment, brings light to dark rooms, shares and helps everyone who wishes to grow. 

Perhaps you are happy with your work and your life. But studies reveal that 80 percent of us are dissatisfied and just putting in time deposit the check. And the check simply vanishes to the bills that are due. 

This, my friends, is not why we are here on Earth. We are here to do so much more than pay bills, complain in the break room and break rules when no one is looking. 

Are you ready to grow, change and stretch those wings to fly? Be one with the wave and grow forever. Walk the narrow bridge on the highest mountain, and let us discover the thrill of victory at the summit.

FROM RULES TO LIMITLESS

By Terry Carter, Editor

I once heard a story of a newly married couple, and the husband was helping his wife cook dinner in the kitchen of their new home. She had purchased a roast, seasoned it, cut off the ends and put it in a large pan. 

While the oven was preheating, the husband asked his new “Why do you cut off the ends of the roast? It seems like a waste of good meat.” She gave him a defensive look and explained, “My mother has always done it this way – and so did her mother.” Several months later, the newlyweds met the whole family for a big holiday meal. The husband promptly asked the bride’s mother why she cut off the ends of the roast before cooking it. She said her mom had always done it that way, and it was tradition.

After some family talk on the subject, the husband asked the grandmother why she had cooked roast that way. Being an honest woman, she went right to the point and revealed a revalation. “I cut off the ends of the roast because my oven at the time was too small to fit the whole roast.” 

She had sacrificed out of the necessity and passed on this cooking tradition to her daughter and granddaughter. And no one realized the reason or that ovens today are big enough for even the largest roast. It was simply a rule of the day because ovens in the 1940s were small.

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Much of our lives today is run by rules we learned young and still follow, even though those rules may have reached their expiration date or are simply not benefiting us. Look around analytically, and you will see that many rules we expect to be universal laws are not always accurate, such as we must have a college education to succeed. I know many men and women who have not college experience, yet they are successful, in my view.

I grew up absorbing the wisdom of my parents, and my father worked for large corporation, averaging 40-50 hours a week on a Monday-Friday schedule. I only recall him working for perhaps three companies in my life, so the mantra of the day seemed confirmed: Get a good education, work 40-50 years for 1-3 major companies and then you can retire early.

Upon earning my bachelor’s degree, I encountered a changing world that destroyed that ideal career scenario. I was laid off three times in five years in my chosen field. As a result of my desire to control my destiny, I have started or co-founded six companies so far while still staying in touch with the consulting or employee side of my life. 

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Most of us live a life of lies because we firmly grasp these rules growing up. Work hard, for example. Reality is: We all work hard, but only a small percentage work smart and employ the creative genius thereby leveraging their time, talents to get ahead. Fewer still actively create a framework that allows them to pocket millions of dollars while traveling the world in opulence.

I have means and end goals currently, but means goals are more common for nearly everyone because of the rules we heard when young. And you have means goals about career earnings, raising a family, retirement, purchasing a special home and working for a great company.

But end goals are probably where we as humans want to go because as we begin achieving the means goals set by society and our culture, many of us wind up NOT happy at all when we are in our 30s, 40s and 50s. We may have a high-paying career, but we are actually stuck in boring, stagnant positions running from home to work, home to work and home to work.

We have less time with our families than we truly want. And because of that, we often find our relationships at home suffering to the point our spouses ignore us, our children don’t want us around and our pet growls or hisses at us. For millions of Americans, it is the literal rat race, and we are the rat being chased, pressured and squeezed by deadlines, bills, work, home, retirement (if we can afford to consider it) and more.

This is a real-world case. Even with a Master’s Degree as a 1-percent earner and at the top of his or her field, the achievers today are not truly happy. Sure, they look good on camera. But many are struggling to get through each day, wondering why they are not happy with their vaults of money, garages of fine vehicles, multiple homes. And somehow, we sit in our 10-year-old Honda, driving to work from an apartment to a deadend job and believe we have all the answers about happiness. 

The truth is less than one percent of us would be content if our income fell 50-70 percent today because it is way beyond our comfort zone. But layoffs happen, and that is often a 100 percent pay cut. Retirement happens too, and many retirees settle for less than half of their full-time career income.

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So how do we get from “living within the cultural rules” to having limitless options for improvement?

We pay attention to movers like Elon Musk, founder of Tesla Motors and numerous other major companies. We learn from Richard Branson and Vishen Lakhiani and Michael Beckwith and Marisa Peer. These people are changing the potential for extraordinary achievement by ordinary folks like you and I. They are telling us how to do what millionaires Musk, Branson and Lakhiani have already done.

Lakhiani founded Mindvalley and transformed the company into a industry-leading personal development mastermind organization that is setting the world of achievers on fire currently. I am re-reading his book, The Code of the Extraordinary Mind, for the second time in seven days. The hardback version has been highlighted beyond belief because it reveals startling, new information. Since I read 40-60 books annually of business, personalities and improvement, I think I can safely say this book is probably the best book I have read in decades. 

Jack Canfield, co-author of the best-selling series Chicken Soup for the Soul, said it bluntly about Lakhiani’s book. And Canfield is an expert on this type of writing: “Vishen Lakhiana’s knowledge base and his ability to present it clearly and to actually put it into practice is above anyone I have ever seen in this field.”

Lakhiani has many unconventional suggestions. But when it comes to finding the end goals that lead you to your desired destination in life, he mentions these:

  1. What experiences do you want to have in this lifetime?
  2. How do you want to grow?
  3. How do you want to contribute?

(More on this topic soon)

ASK BIG, PRAY BIG, LIVE BIG  

  • EACH DAY YOU CHOOSE EITHER A SLAVE MENTALITY OR GOD’S ABUNDANT MENTALITY

By Terry Carter, Editor

When we hear of a friend or relative speak of a blessing, an opportunity or a miracle in their life, why do we doubt that a great gift could exist for them?

Is God unable to hear our prayers and bless us in special ways? No, God hears all of us, but some prayers – like the ones Pastor Joel Osteen spoke of recently – seem to remain unanswered. And like most of you, I feel frustrated without instant gratification of my prayers. What Paster Joel Osteen recently mentioned during a televised sermon is changing my mind regarding routine ideas, prayers in my life because they often orginate from a limited or “slave mentality.”

When we pray, do we ask God to keep us alive through a tough time or to keep our old car running? Those are weak prayers. By asking and praying big, I suggest you ask God not to become a better slave in your current life. Ask to become a better dreamer, a better achiever, a better go-getter, to set a new standard for this generation. 

How big are your dreams? Ask big today!


Our God is the God of abundance, and you cannot reach your fullness in life without asking for and pursuing your biggest dreams. In order to reach grand dreams, you must first begin to think great thoughts and envision greatness in your life.

 Now will God make you rich, famous and fabulous just so you can look good on the red carpet? It is unlikely you will be blessed greatly despite a strong prayer unless you also tell God that you will give back and help others.

The Book of James 4 describes praying a sick prayer, a weak prayer or a prayer for the wrong motives that seems to go unanswered. Joel suggests that asking God for big dreams and miracles is exactly what the Lord wants.

When we ask God, we acknowledge that He and Jesus can do the impossible. When the blind men called out to Jesus, Jesus asked them what they wanted

You are God’s prized creation, the apple of His eye. Joel suggested asking Him daily for your biggest dreams like it is your special birthday. It is the Father’s good pleasure to give you treasure. Be bold enough to ask. Ask big in child-like faith, and there will be times when God will show you miracles even though it looks impossible in your eyes.


God said you are to reign over your life – not hide in the shadows hoping the poverty, pain and desperation will subside one day.  What you do will prosper and grow abundantly, based on The Bible. The Lord will give you the desires of your heart if you “ask for explosive blessings.”

So why do so many of us back away from helping friends and chasing our dreams? I have seen good christian people turn their back on a friend who is offering needed help or an opportunity. Often their reasoning for rejecting the gift is unsupported by facts, but I suspect they lack an inspired dream – or they are too embarrassed or complacent to improve their situation.

Sitting on the sidelines and watching the world go by is not God’s plan for us. We are directed to seek out and pursue Godly, inspired dreams, missions, achievements. I believe we should look for inspiration each day in nature, in music, in art, in people, in love, in friends, in business and much more. 

Regardless of your sex, dimensions, skin color, education, you were created for greatness. Either you pursue that every day, or you avoid it by running away from inspiring moments, great people and life-altering events. Will you boldly ask for blessings and go where no man, woman or child has gone before?


My next area of greatness will never be reached by me if I sit at home watching TV each night. Because big ideas come true for others, I know I can also strive for better results and perhaps great memories. Success will never be a destination. It is simply a journey I am taking up a tall, amazing mountain slope where the view improves with each step I take. 

Success is reached daily by moving – sometimes falling – forward. I am traveling on this global quest with many inspired friends, and the comradery makes the sore legs and stumbles all the more memorable. They are quality people with big dreams, big prayers and big needs – all of which Jesus can meet at the right time. And failure is a healthy part of success – don’t think you can reach the pinnacle of life without hard work and failure.

Perhaps our journey together would be even better if our prayers also became fearless as we pray for dynamic miracles to help millions of people insteadof hundreds of people. For we are all humans, and each of us is a miracle worthy of great prayers, great blessings, great healing, great recovery, great strides and great achievements that may shock our own families.

But for the one small child who today decides that she will be the first Master’s Degree in her family, I say, congratulations. See it today. Chase it each day, week and year – and your life’s successes will begin today and never stop. You can climb higher and higher on the journey to success. Their is not summit – just more joy and challenge ahead.

See the biggest dream, and go get it.

POOR MAN #2

By Terry Carter, Editor

A poor man knows only that he needs money desperately while a rich man has options. The poor man is often backed into a corner either to receive medical care (aka Wake Up! Obamacare does not provide affordable medical insurance for anyone paying a deductible) or feed his family (Damn! Food prices are still sky rocketing). 

What defines a poor man? To begin with, if you can save 10 percent of your income each month, your cost-to-income ration is at least favorable. That demonstrates discipline on your part. But being poor suggests more than a low income — and it’s subjective.

  • WHERE DOES POOR REALLY BEGIN?

For my friend George or most veteran engineers/executives of the oil and gas world, poor is a state of mind when your annual income has been six figures for more than a decade. $50,000 may be broke for them, but it would simultaneously be a gold mine for a janitor, receptionist. 

It all depends of your spending habits (whims), insurance and other expenses and how it compares to your income. If the income falls, the whims (aka glitter toys) go first. But when you have stopped the following, and you still don’t have money for rent, groceries or medical insurance and/or medicines — all of these are items I say are necessities — then you have reached the poor category in my book.

When you have done the following and still cannot find money for your savings account, you are temporarily among the poor: A) Stop eating out at all; B) Disconnect cable or satellite TV; C) Stop professionally grooming your pets; D) Request and purchase only generic medications where possible; E) Use the lowest-priced gasoline on your route home; F) Re-invent your canceled gym membership by walking at the park; G) Divide every check into bills due now and mortgage/rent due on the 1st; H) Take the ATM withdrawal cash of your wallet and put it back in the bank — whether it’s coffee, doughnuts, gambling, cigarettes or liquor, it’s a waste if money is this tight.

So how did you do? I have used, at times, each of these techniques to survive financially in my life, and so far, my spouse has not shot, departed or fired me. We have become home owners and made upper-middle income cash. But I have also been unemployed for months, in the hospital for others and just made bad choices. No one makes perfect choices, however…

If you fit the general “poor” financial picture at this moment and have not implemented the starting suggestions listed above — those are just a measuring stick to determine how poor you currently are — plug them in. They work for all ages, sizes, sexes, styles, backgrounds. 

Plug those in, use them daily for 1-2 months and monitor your balance carefully. Is any deduction showing up, and you are not aware of its origin, timing? If so, put an end to it immediately or close your bank account. I recently eliminated an automatic account renewal by Active.com that started when I signed up for a 5K racemore than a year ago. I was shocked to find it — it is a byproduct of online shopping. So be careful having any site remember your credit card.

After careful evaluation — and yes, I know some of you are shaking your head YES already — you may know these changes and others are still leaving your balance in the red. Therefore you feel poor — trust me, it’s temporary if you options exist. Two quick choices here, and both rest solely on your shoulders: A) Get Serious about finding a higher-paying career;  B) Either sell the extra items you are no longer using (aka: Art, old equipment, gear, collectibles) or step up with a side gig like teaching dance lessons, singing or being a DJ. Even $200 a month can save you from sleeping in your old truck with no heat nor A/C.

  • THE RICHER SIDE OF POOR

Imagine you make $100,000 annually and have for 20 years. It’s a safe bet you would have upped your spending on vehicles, perhaps a home and non-essentials like a pool, boat or condo if you currently make half of that or less. Based on the American Dream of generations gone by, owning a home would be a natural purchase for most people with this 6-figure income. As would a nice newer vehicle every 4-5 years, like a Lexus or Infinity. 

Reality check: After a modest home purchase (30-year mortgage/ monthly payments between $900-1,800) and a upscale vehicle, the 6-figure income now requires you to live on the same  budget as a less well off person with a used Honda and living in an apartment. The new car/SUV is costing about $700-1,200/month depending on your downpayment. Combined you are spending about $2,500+ of a monthly income of $8,000 on those two items. And one excess leads to another. I’m hoping, if this is you, you have a $2,000-$3,000 minimum going to your 401/IRA.  Those items aside, Mr. Six figures now has about $3,500-$4,000 to buy the necessities and service the pretty Lexus, which requires pricy service work that starts at $200+ for oil changes.

You see those vehicles in your garage each week, and you know the people who climb out — whether married or single — likely used their credit to buy those fancy rides when a Honda or Toyota would have worked for half the price.

Credit cards account for the downfall of even the wealthy people in your world. When your wealthy neighbor has his vehicle repossessed or loses his home, the options are few: A) A primary income vanished; B) Mortgage company screwed you; C) Lucky Significant Other has departed; or D) The World as you know it is about to end.

Either way, even billionaires can identify with broke. Donald Trump was pretty close once. Back on Earth, however, any of us can feel broke if we can a pay cut, lose a job (even on an unpaid day off) or transfer to a new position, only to discover the pay rate  or hours worked does not benefit you.

But you are not truly broke if you can still pay for gas, groceries, your abode, medications and a few other items. Bottom Line: We can all be dead broke within days, weeks or 3-6 months unless we are millionaires. And studies prove that very, very few of us save even $500/month, and even fewer still have 3-6 months of income if employment or then niche field falls apart.

More on this another day…