No Fluff Just Stuff

No fluff just stuff this week….

1. The 5-Second Rule (no not for food)
2. Credit Card Roulette
3. Mastermind Groups

PERSONAL DEVELOPMENT

5-Second Rule, nope not that one. This one is about goal setting and making yourself a better human. Besides, everyone knows that when it comes to food that the rule is more like the “10 or 15-second rule”.

Mel Robbins wrote a book called the 5-Second Rule. The basic premise of the book is that the moment we have an inclining to act on a goal we have a maximum of 5 seconds to physically move or our brain will stop us from moving towards that goal.

We know we should do things to make ourselves a better person each day. Whether it’s exercise, not snoozing your alarm, or just eating better. We can use Mel’s 5-second rule to do what we already know we are supposed to do.

Here’s an example, when it’s time to go to the gym start counting down…

5

4

3

2

1

…and before you get to zero, make sure you’ve gotten up and made a move towards your gym clothes, shoes, or the door in general.

Time to clean the bathroom? 5, 4, 3, 2, 1…GOOOOO for cleaning supplies before you hit zero!!!

**Action: Use the 5-second rule once today to counterbalance your brain’s desire to stop you. Oh and read the book!!**

PERSONAL FINANCE

I was involved in a “spirited” social media discussion about credit cards recently. The conversation started with an innocent request for what were the best cashback/points based credit cards out there. Then nearly 30 people responded with their recommendations for cards.

Here are some facts. Two out of three adults in America “lack financial literacy” according to a 2016 study. And a staggering 38.1% of all U.S. households carry credit card debt from month to month.

It’s not that I am personally anti-credit card, it’s just that we as a society are too flippant when recommending what other people should do with debt. Our country has a debt problem. And many people are in denial.

If 67% of Americans were alcoholics, would it be socially acceptable to recommend cocktails to strangers?

**Action: Take a look at the photo below and meditate on your personal debt situation.**

RELATIONSHIP BUILDING

Want relationships and personal growth on steroids?!!?! Join or start a Mastermind Group!

A mastermind group is a peer-to-peer mentoring concept used to help members solve their problems with input and advice from the other group members. The concept was coined by author Napoleon Hill and described in detail in his 1937 book, Think and Grow Rich.

The modern day concept is for a group of like-minded individuals to get together on a regular basis to hold one another accountable and to push one another towards very specific personal goals. Maybe we should have a Three Action Thursday Mastermind Group?

**Action: Read Think & Grow Rich or at a minimum think about whether or not a Mastermind Group is right for you.**

Until next week,

PS