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Your Best Life Reclaim Your Life
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com
Personal Excellence
Your Best
Life
Reclaim
Your Life
Walk Your
The Magazine of Personal Leadership
Spiritual Path
with Practical Feet
Catalyst
Erin Gruwell
Freedom Writers
for Change
“Personal Excellence is the only reading you’ll need to
do for continual self-improvement both personally and
professionally!”
November 2007
—Sharlene Hawkes, Former Miss America,
award-winning ESPN broadcaster
S P I R I T U A L • HOPE
Part of Your
2 w w w. L e a d e r E x c e l . c o m Personal Excellence
SOCIAL• LOVE unleash the talent, energy, innovation, turesome group that adapts more easily
productivity and creativity in their peo- to change.
Personal Excellence w w w. L e a d e r E x c e l . c o m 3
E M O T I O N A L • SELF-ESTEEM their competence and setting reasonable • Self-assertiveness: Express appropri-
rules and expectations. Yet some of these ately your thoughts, values and feelings;
children become self-doubting adults, stand up for yourself; speak and act
Healthy Self-Esteem while others who survive tough child-
hoods grow up with strong self-worth.
from your deepest convictions.
• Purposeful living: Set goals and work
You can develop the six pillars. to achieve them, rather than living at the
Six Pillars of Self-Esteem mercy of chance and outside forces.
by Nathanial Branden You can strengthen self-esteem by • Integrity: Integrate your behavior
following six self-examination practices with your ideals, convictions, standards,
Personal Excellence w w w. L e a d e r E x c e l . c o m 5
M E N T A L • THOUGHT your eye on the desired outcome, vision, 10. See possibilities and seize oppor-
goal, or purpose. Distractions are coun- tunities. Believe that there is always a
terproductive. Discipline your mind, way to achieve the desired results. Be a
Personal Excellence w w w. L e a d e r E x c e l . c o m 7
F I N A N C I A L • INDEPENDENCE assets fully supports your expenses. In- definition ignores a part of the equation
come from labor is earned income—it —expenses. Financial independence
requires your participation, effort, and involves earning enough passive income
Can You Quit Yet? energy. If you take time off, your earned
income ceases. Earned income is how
to support the lifestyle you desire. So,
there is no “magic” amount of passive
Gain financial independence. you may now receive money. You get income required—it depends on your
up, go to work, and put in your day. expenses. If you earn $100,000 in annual
by Robert Pagliarini Every two weeks, you get a paycheck. passive income and have expenses of
This is the earned-income cycle. $85,000 per year, you are financially
F INANCIAL INDEPENDENCE IS
a phrase that often gets
tossed around without any
Earned income is an exchange of time
for money. Through education and expe-
rience, you can increase the value of
independent. If you have $500,000 in
annual passive income but $750,000 in
expenses per year, you are not financial-
understanding of what it means. One of your time and be compensated accord- ly independent. Expenses are an equally
my goals is to take the mystery out of ingly. Even high-powered attorneys or important part of the equation.
financial independence and to show you surgeons who make hundreds of dollars I invite you to change the way you
exactly what it is and what it provides. an hour, still exchange their time for a deal with money. PE
Financial independence should be paycheck. The minute they stop this
Robert Pagliarini is a Certified Financial Planner and
your primary financial goal. Here’s why. exchange, they stop earning income. author of The Six-Day Financial Makeover (St. Martin’s).
At the root of financial independence Financial independence is not about Visit www.sixdayfinancialmakeover.com, call 949-305-
is the freedom to choose between several being “rich.” To be rich, you only need 0500 or email robert@pacificawealth.com.
options, putting you in control of your to make or have a lot of money. This ACTION: Engage in a financial makeover.
finances and your life. It allows you to
shape your life rather than being at the FINANCIAL• ENOUGH How many toys are enough? If you’re
mercy of someone else’s vision of your not sure, you can always buy more.
future. It takes you out of the passenger
seat and puts you behind the wheel. You
can choose work that stimulates and
Have Enough Who decides what is enough? Is
there a baseline standard of living that
qualifies as enough? How come some
inspires you, without worrying about How fat is your wallet? people seem to have enough with a
how much money it will earn for you. It modest lifestyle and other wealthy peo-
also allows you to pursue your hobbies by Edward Webb ple seem driven to get more? The eco-
without regard to their cost or time com- nomics of enough is not just about
mitment. And it allows you to volunteer
your time and money to worthy causes.
Financial independence also provides
T wo YEARS AGO I HEARD A
guest speaker at church.
As I settled into my seat I
reality; it’s about the place where reali-
ty and self-perception blend.
You need to ask yourself: do I have
security. How would you feel if you heard the speaker announce his topic: enough? How do you know? There’s
could live the lifestyle of your dreams “The Economics of Spirituality”. no rule that applies to everyone—you
without worrying about being down- I thought, “Just what I need at 9 a.m. have to decide for yourself.
sized, billing time, or meeting sales quo- on Sunday morning! I envisioned him I have two suggestions to help you:
tas? Your sense of security comes from mouthing platitudes. I was wrong. First, look around you. How does
having control over your life and your Instead, he launched into an your lifestyle compare to the
future. Without financial independence, practical talk about how your way you were raised? Are
your life is dictated by someone else— economic status impacts your you living the life that you
usually your employer. Your security is ability to be spiritual. thought you would 10 years
at the whim of an organization with His premise was simple: it’s ago? If there is a gap between
their best interests at heart. hard to be grateful and find a where you want to be and
firm spiritual center if you’re where you are, this can be a
What is Financial Independence? hungry. Few of us know what reflection on your personal
To some, financial independence it is like to “go hungry.” I find economics of enough.
means being able to pay the bills. For it difficult to imagine. I believe Second, how are your rela-
others, it means being able to eat out on that one of the great gifts of being a U.S. tionships? Do you have a committed
a whim. For still others, it means having citizen is to contribute to the care, feed- relationship with a significant other?
vacation homes and boats. ing, and health of those less fortunate. Do you have a healthy group of
I define financial independence as But, I’m not writing about the means or friends to provide you with validation,
being able to support the lifestyle you methods of meeting the needs of the advice, and fun? Your relationships are
desire without having to work. There are economically less fortunate but about often a window into how you are
two important pieces to this definition. the “economics of having enough”. internalizing the economics of enough.
First, differentiate the lifestyle you This refers to more than an assess- When you think about all that you
desire from your current one. Too often, ment of how well you’re meeting your have and about all those people who
you reduce your lifestyle to fit within needs. It is your attempt to quantify your have less, ask yourself whether you
your means. Financial independence is sense of well being. It’s where your fears, have enough. Seek the sense of well-
not about limiting or reducing your needs, and assets all come together. being that comes from knowing your
lifestyle, but about living the life you You likely wonder at times about worth and knowing it’s enough. PE
want and having the means to support it. whether you have enough money or
Edward Webb is lead consultant and principal of Stuart
Second, financial independence means stuff. If you’re afraid you don’t have Clay Consulting. Email edwardswebb@comcast net.
you don’t need to work to support your enough security, you may build fences
lifestyle. The income generated by your and buy toys and then security alarms. ACTION: Decide what is enough for you.
8 w w w. L e a d e r E x c e l . c o m Personal Excellence
TITLE
P HYSICAL• SLEEP found in drinks and foods.
Myth 5: The older you get, the fewer
hours of sleep you need. Fact: Just like
Personal Excellence w w w. L e a d e r E x c e l . c o m 9
P H Y S I C A L • T R AV E L • Try to eat at the times when you Too much of either substance can affect
would normally eat to avoid throwing your ability to sleep well.
off your appetite and sleep patterns. • If you must eat out, make healthy
Travel Smart Tips • Start your day with a healthy break-
fast to keep your energy up.
choices. Even most fast-food restaurants
now offer salads. Avoid things that
Stay healthy on the go. • Worried about your weight? Monitor sound healthy but aren’t, such as veg-
the calories you consume all day com- gies loaded with butter and salt or sal-
by Nancy D. O’Reilly pared to the total you burn up. ads that come with high-fat dressings.
• For many people, traveling means Keep your diet balanced and your
10 w w w. L e a d e r E x c e l . c o m Personal Excellence
PROFESSIONAL• LIKEABILITY 4. Set a level playing field. Before who leaves the printer with a paper jam.
you speak, make sure what you’re The boss who walks into the reserved
about to say doesn’t contain words or conference room during a meeting and
Communication phrases that imply your superiority to
the other person. These comments
bumps everybody out. The person who
cuts in line at the cafeteria cash register.
reveal much about your management The guy who answers his cell phone in
You can always improve. style and attitude: “I want you to meet the middle of a meeting. Even small
Jane, who works for me” versus “I courtesies kindle a fire that ignites chem-
by Dianna Booher want you to meet Jane, who works with istry and builds kinship. The courtesy of
me.” “Haven’t I told you about not saying “hello” when you come into the
Personal Excellence w w w. L e a d e r E x c e l . c o m 11
PROFESSIONAL• CAREER people shouldn’t give up their power to solution. You are the solution to some-
artificial barriers. All people—regardless one’s issue, problem, or challenge. You
of gender or race—are powerful and can drive value, make a difference, and
Authentic can do whatever they decide to do if
they will be accountable to themselves.”
take your team or company to the next
level. You just have to connect the dots!
12 w w w. L e a d e r E x c e l . c o m Personal Excellence
TITLE
S E RV I C E • C E L E B R AT I O N that remain are there for a reason. These
are the moments, good and bad, that
have molded and transformed your life.
Personal Excellence w w w. L e a d e r E x c e l . c o m 13
SERVICE• JOY 2. Being here. Focus on being in the ries. Acceptance can be an antidote.
moment. Let go of destructive thoughts When you accept reality, you weaken the
and worries. Substitute new perceptions intensity of negative sensations. Holding
Turn Pain to Joy that counteract pain and negativity.
Stress reduction begins, and creativity is
on increases pain, worry, and anger; let-
ting go lightens burdens and is freeing.
Change your thinking and serve. unleashed. No painful past, no worri- 4. Joy. A transforming experience
some future—just the immediate experi- occurs when your mind and body feel
by Howard L. Millman ence of being here. Accepting reality good, and you realize that there are no
means that events happen, whether we obstacles to diminishing pain and expe-
14 w w w. L e a d e r E x c e l . c o m Personal Excellence
Physical
Service Mental
Character Career
Personal Excellence w w w. L e a d e r E x c e l . c o m 15
SPIRITUAL• JUDGMENT stewardship with a daily discipline of We are “free” to choose, and in our
appetites and passions—take the body moral casualness we might suppose that
where it most wants to go: health and “freedom” lies in the absence of restraint.
Spiritual Paths happiness, peace and prosperity, abun-
dance and fulfillment.
Why deny what pleases and pleasures
me? Who are you to tell me to stop what
Walk with practical feet. If there be a God and higher purpose I’m doing or start down a new path?
to life than mere survival and monetary The converse of walking a spiritual
by Ken Shelton success (as I attest there is), then walking path with practical feet is to crawl a cor-
a spiritual path with practical feet is a poral or temporal or financial path with
16 w w w. L e a d e r E x c e l . c o m Personal Excellence
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