The one calculation that changed my life that I never learned in school

Like most of you I served my twelve years in K-12. Additionally, I spent another two years earning an associate’s degree in electronics and engineering. Then I moved on an achieved a bachelor’s and master’s degree in business.

So I have spent a lot of time in the education system.

In all of those hours and years in classes, I never learned this one equation that made me a millionaire.

Cash on Cash return is the one calculation/equation that changed my life.

What is it? In any investment, but I am talking specifically about real estate here, because that is how I used it to become a successful real estate investor.

You have to put up money or some kind of other resource to be an investor in it. You have to give up something, to get something. We all know this.

Cash on Cash return is the amount of money you invest and the returns you can expect on an annual basis to receive on the investment.

Here is a simple example that doesn’t include all the specifics, but I want to give you something to consider.

If you invest $100,000 dollars and it gives me a 10% cash on cash return in a year. It would provide me $10,000 a year back on that investment. I invest $100,000 and I get $10,000 in return.

In the case of real estate you invest a percentage, usually 20-30% of the value of the property, but you now own 100% of the property.

Real Estate is one of the only investment opportunities where you can invest such a low percentage of the value of it, and own all of it. The rest of the money comes through a loan. This is also called leverage. Which we will talk about another day.

Now the simple example I provided you above didn’t include all of the other specifics that you have to consider when making this investment.

Things such as loan payment, insurance, taxes, maintenance of the property, management, etc. So you must include all of these expenses in to the equation to get a full analysis of a cash on cash return.

Lets see a full example here:

Property price: $250,000
Investment (20%): $50,000
Mortagage/Loan: 5% interest rate amortized for 30 years: $1370, $16,440 annually.
(More context here: Why 30 years not something shorter. Well this would depend on your strategy, but in the world of real estate it is all about cash flow. So by extending the payment out over 30 years you can increase your monthly cash flow, because your payment is smaller. Again, real estate is one of the rare businesses you can do this in)
Property taxes (1% of value of property): 1% of $250,000 = $2,500
Insurance (depends, but conservatively): $1,200
Maintenance (5% of revenue):
Vacancy (3% of revenue):

How much can you rent it for? This depends not he area obviously. And there are a lot of resources to help you determine market rents such as rentometer (website) or you can call around. But I am old school, and I like to use the 1% rule. It is simple, and over the last couple of years in this crazy market it has been tough to find properties that can earn 1%, but you still can.

Gross Rent (1% of the value of the property): 1% of $250,000 = $2,500
Annual rent: $2,500 X 12 = $30,000

One of the things to remember here is this. Do all of your calculations on yearly basis.

So lets put it all together here:

Property price: $250,000
Investment (20%): $50,000
Annual rent: $2,500 X 12 = $30,000

Mortagage/Loan: 5% interest rate amortized for 30 years: $1370 (monthly) $16,440 (yearly)
Property taxes (1% of value of property): 1% of $250,000 = $2,500
Insurance (depends, but conservatively): $1,200
Maintenance (5% of revenue): 5%/$30,000 = $1,500
Vacancy (3% of revenue): 3%/$30,000 = $900

$30,000 (gross rent)-(expenses) – $16,440 – $2,500 – $1,200 – $1,500 – $900 = $7,460

So the amount at the end of the year you would have left us $7,460 dollars. And how much did you invest to earn that $7,460 dollars? It was $50,000, your downpayment to get the loan.

So what is the cash on cash return? $7,460/$50,000 = 14.92% but lets round it up and say 15%.

This is only one part of the equation though. Something we will talk more about in later posts are the other benefits of owning real estate. Things such as the tax implications, especially if you have a w2 job. Your loan pay down, your equity position increasing and how inflation helps you year over year when you own real estate.

I kept the math simple here. Some critics, may say, well, what if there is an HOA fee, or you didn’t specifically lay out the costs of closing, or lawn care, or management fees.

I get that. But with a single family home, most likely your tenant will do their own lawn care. If you self manage, which you might want to do on your first few properties you wont have that added expense.

Again, you can get more granular, and you should when you are analyzing a deal and whether or not it makes sense or not. However, I have found that more often than not, people analyze too much and never buy. You can analyze yourself into oblivion and never take any action. I don’t want you to do that. If a dummy like me he sucked at math can become a millionaire by following the above advice, anybody can do it.

If you do this over and over with multiple properties, single family, small multi-unit, commercial, big apartments, etc. You can see how this can grow.

Another thing we will discuss in later posts is how long does it take for you to earn the money you put in the deal back and what that means and how to use it.

So why did I never learn the cash on cash return equation in school? Was it taught and I missed it? And everybody I know missed it? I’m not sure. However, once I learned it. And once you learn it, it can change your life forever, like it did mine.

Cash on Cash return is one way to analyze an investment. But it is one strategy of many that you may consider as you start to invest your hard earned capital into real estate.

I look forward to expanding on this topic and example in future posts.

To your success and your future.

Why average sucks

When was the last time you looked up the definition of a word?
If you are like most people, probably not very often.
You either don’t read much, which means you don’t get exposed to a new words very often or you just ignore the word you don’t know.
I have made it a habit to not only look up words I don’t know the definitions of, but I also look up words I assume I know for sure.

It may sound silly to do, but I will tell you there have been many occasions where I looked up a word that I thought I knew for sure, but found that I was a little off exactly.

The word average isn’t one of those words I thought I knew and learned that I didn’t know.

Instead though, what I learned was there isn’t really anything good about being average.

Read some of the words in the definitions below.  Is that what you want?

  • having qualities that are seen as typical of a particular person or thing.
  • mediocre; not very good.
  • a typical amount, rate, degree, etc.; norm.
  • number expressing the central or typical value in a set of data, in particular the mode, median, or (most commonly) the mean, which is calculated by dividing the sum of the values in the set by their number.
  • an amount, standard, level, or rate regarded as usual or ordinary.
  • constituting the result obtained by adding together several quantities and then dividing this total by the number of quantities.
  • of the usual or ordinary standard, level, or quantity.
Three ways to stop being average:
1. To get out of the class of average you first have to stop comparing yourself to everyone else.  That’s the hard reality.  There is a lot of average out there.

2. Realize that it is going to take so much more effort and most likely time to accomplish a goal that you have. Sometimes you can increase the frequency you do things which can decrease the amount of time.  But regardless it is going to take a lot more of everything to accomplish your goals. Unless they are too easy.
3.  Nobody is going to do it for you. It’s up to you.  The calvary is not showing up.  You have to do the work.  It’s on you.Be great today!

To your success and your future.

The first law of motion

If you watch TV at all you have inevitably watched the commercial for Celebrex which is an arthritis drug. The commercial states that “a body in motion stays in motion and a body at rest stays at rest”.

This commercial is based on the first law of motion that Issac Newton published in 1687.  Which states that an object either remains at rest or continues to move at a constant velocity, unless it is acted upon by an external force.

This week I was having a conversation with a good friend of mine about this very concept. Not Issac Newton, we aren’t that smart.

We were talking about running. I was explaining to him that as a runner, it is very easy for me to go out and fall into a pace that my body is very comfortable with.  It could be an eight minute mile or a seven minute mile.  It just depends on your conditioning.  Whatever that pace is, it is easy to stay at it because your body can do it without efforting.

I am sure there are more scientific ways to explain it, but I am not scientific.

To increase your speed and accomplish running goals you have set for yourself, you must break the inertia, the temptation to stay at the comfortable pace.

It is hard to do, that inertia is so cozy, easy, and feels great that your mind wants to stay right there.  You may call it your comfort zone. But as long as you do this you will never increase your speed or times towards any distance goals you might want to accomplish.

I was a runner for close to six years before I learned how to really train.  For those first six years I definitely became a better runner, with better speeds and times, but it wasn’t until I started training my body to become very uncomfortable that I made significant gains.  By gains, I mean faster miles, longer distances, and winning races I competed in.

In running that training starts with forcing yourself out of that comfort zone for small periods of time over and over and over, until it stops being that uncomfortable to you. As you continue to do this repeatedly you eventually become better conditioned and you start moving the needle towards whatever goals you might have.

At almost 42 years of age, I am probably twice as fast I was when I was 32.  Its isn’t that that I am getting better with age.  That theory doesn’t hold up in athletics and age. Instead it is I am a more educated and I am better at training.

If I would have known how to train at age 32, who knows what I could have accomplished as a runner.

Whether it is running, biking, writing, speaking, investing, you name it.  For you to break any slump or cycle, you must break the inertia.  You must apply force someway and somehow to move yourself out of the comfort zone.

I am a real estate investor. I have purchased many single family homes. When I first started doing it, I was always a little scared.  I would just think things like this.  “Is this a really good deal”, “Will I be able to fund a tenant”, “What if something goes wrong”, “What if someone destroys my property”.  All of these question ran through my head.

Many years later, I never even think about those things. Purchasing single family homes is easy for me.  I never over think it.  However, it is too easy and too comfortable for me, that I can easily fall into the trap of continuing to only purchase single family homes.

For me to scale my real estate portfolio the way I want to, it is going to require me to buy bigger deals.  Multi-Unit/apartment buildings is now the direction I want to go and I must go.

Many of the same concerns and questions I had early in my investing career are popping up in my head. “Will I be able to find tenants for all of the units”, “What if all of my tenants move out at the same time”, “What if all of my hvac systems go out”.

As these questions pop up in my head it is easy for me to want to stick with the single family homes that I am comfortable with. But I am pushing through because I know I must get to the next level and the only way to do this is to go in the new direction.

I share these stories with the intent to inspire you to force yourself out of the comfort zone you find yourself in. Inertia is a bitch.  Without additional force and pressure from yourself or others you will never get out of the rut or zone you are in.

To your success and your future.

5 reasons critical thinking is dead

One of my all time favorite books is “Think and Grow Rich” by Napoleon Hill.  It is an all time classic and to this day.  80 + years later, it is still one of the top selling books every year.

The word “think” is subtly layered into the title because Rich is the obvious eye-catcher that makes you want to learn more.  The author chose the word “think” for a reason. He makes the case in the book that you can’t grow, and you definitely can’t get rich, without learning how to think.

In today’s go go go society and emotionally driven society. Many people don’t invest the time to think before they respond, act, do, you name it.  I did say “invest’ for a reason, because you are making an investment when you slow down, think, make a plan, and then take action.

Critical thinking is by far one of the most unused skillsets in today’s culture.  The culture instead is constantly being told what to think, and then people decide whether they agree or disagree with whatever it is based on their biases. In most cases, depending on who said it is more important to them on whether they believe it or not. The test is who said it, not is it true or not.

There are many definitions of critical thinking.  The one I like that I believe is one of the better and clear ones is this:

Disciplined thinking that is clear, rational, open-minded, and informed by evidence. Now I would add a few additional adjectives to the definition, such as without emotion, and evidence based means: objectively clear facts that are substantiated.

Unfortunately we now live in a society and culture that has very little to no ability to think clearly for themselves. They haven’t learned how to critically think.  And I believe that these five reasons are driving the lack of critical thinking.

  1. Math:  I don’t know if it is because many people learn to hate math at an early age.  Is it because teachers are not very good at teaching it?  Or is it just hard and most people never try hard enough to be good at it? I am not going to solve this problem today. However, if you are unwilling to look at the numbers, the evidence that supports something or doesn’t support something, then critical thinking is out the window.
  2. Emotions: We now live in a world that is driven by feelings.  I am not sure when this started, but it is rampid and it is scary.  I have talked about this many times.  Any time we make very difficult decisions on emotions and not facts or reasoning, we typically are going to get ourselves in trouble.  A simple example of this is when people buy cars that they can’t afford.  Which is any car that you cant pay cash for, but I digress. They love the feeling that a new car provides to them and even if the math doesn’t make sense, they will try to rationalize a way to get the car becasue of how it makes them feel.
  3. Opinions:  Whoever is the loudest usually gets the most attention.  It has nothing to do with the credibility of the person.  It really comes down to who has the largest platform and can reach the most people.  The problem with opinions these days is too many times they are packaged as “real news”, when in reality they are not news based on facts or evidence.  It is usually based on subjective views of a given situation.
  4. Media: I was listening to two very mainstream personalities over the weekend who both have very successful podcasts and very large audiences. They were both talking about the fact that even though most would call them both center-left from a political standpoint.  That neither one of them can go on CNN or MSNBC, because they both had been on Fox News and most likely will disagree with the anchors they would speak with on CNN or MSNBC.  I am sure people may say the same thing about other news stations as well.  However, if you spend too much of your time watching one station only.  You are only getting one side of a situation.
  5. Fear: We are living in a moment of time right now that when someone holds a different viewpoint on something that is against the masses, and expresses that viewpoint, they could lose their job, their career or any other personal interests.  It’s the sad and harsh reality.  When active debate can’t occur, then ideas don’t get enhanced.  When there is fear of retribution to disagree, things don’t’ get better.  To solve complex problems everyone needs to be in the discussion.

In most companies the problems that exist are very complex and the leaders within the organization don’t have all the answers.  They need employees that have the ability to think critically and solve problems within the business.

Unfortunately, when we start school in kindergarten or first grade all the way through college in many cases.  You learn the answers to the test, take the test, pass and move on to the next. If you don’t know the answers, you can pull them up on google and most likely find them in a matter of seconds.

This is not the real world.  The real world requires a process of thinking about the problem.  Putting some of the best ideas on the table and working through them to see which ones can be pursued with limited financial resources and human capital.  This is the process and it must be followed. When it isn’t we will get what we have always gotten.

To your success and your future.






The secret to accomplishing everything you have ever wanted is here.

Perhaps by now you have heard about the research study that was conducted at Harvard or Yale University on written goals?  You know the one.  Where so many people of a certain graduating class had written goals, and a certain percentage of the class didn’t have any written goals.  And after several years, they followed back up with those graduates to see what they had achieved.

What they found was that the 3% of students who had written goals, clearly defined, accomplished 10 times more than the students who didn’t have written goals.

Well, just so you know, that research was never substantiated.  Because it never existed.

As a person who has studied goals and speaks on goals a lot to others. I have to admit, I had actually referenced this fictional research myself.

Luckily, a professor of Research by Dominican University of California psychology, Dr. Gail Matthews actually conducted some research that supported this urban legend.

A total of 267 participants were recruited from businesses, organizations, and business networking groups. However, only 149 participants completed the study. The final participants ranged in age from 23 to 72, with 37 males and 112 females.

Participants came from the United States, Belgium, England, India, Australia and Japan and included a variety of entrepreneurs, educators, healthcare professionals, artists, attorneys, bankers, marketers, human services providers, managers, vice presidents, directors of non-profits, etc.

Participants were randomly assigned to one of 5 conditions (groups):

  • Group 1- Unwritten Goal;
  • Group 2- Written Goal;
  • Group 3- Written Goal & Action Commitments;
  • Group 4- Written Goal, Action Commitments to a Friend;
  • Group 5- Written Goal, Action Commitments & Progress Reports to a Friend.

Participants in Group 1 were simply asked to think about their goals (what they wanted to accomplish over the next 4 weeks) and then asked to rate that goal on the following dimensions: Difficulty, Importance, the extent to which they had the Skills & Resources to accomplish the goal, their Commitment and Motivation to the goal, whether or not they had Pursued this goal before and if so their Prior Success.

Participants in Groups 2-5 were asked to write (type into the online survey) their goals and then to rate their goals on the same dimensions.

Group 3 was also asked to formulate action commitments.

Group 4 was asked to formulate action commitments and send their goals and action commitments to a supportive friend.

Group 5 was asked to formulate action commitments and send their goals, action commitments and weekly progress reports to a supportive friend.

At the end of four weeks the participant were asked to rate their performance.

The results showed:

Types of goals: Participants pursued a variety of goals (in order of frequency reported) completing a project, increasing income, increasing productivity, getting organized, enhancing performance/achievement, enhancing life balance, reducing work anxiety and learning a new skill. Examples of “completing a project” included writing a chapter of a book, updating a website, listing and selling a house, completing a strategic plan, securing a contract, hiring employees and preventing a hostile take-over.

Which Group achieved the most?  Group 5 achieved significantly more than all the other groups; Group 4 achieved significantly more than Groups 3 and 1; Group 2 achieved significantly more than Group 1.

76% of the participants in group 5 achieved their stated goals and only 43% of the participants in Group 1.

And groups 2-5 had a 50% higher chance of accomplishing their stated goals than did group 1.

So what do you need to do to achieve more in your life?  Very simply, do what the participants did in Group 5.  Write down your goals, and create an accountability system with someone other than yourself.

If you want to learn more about how to do this.  Please contact me at

To your success and your future.

Pieces of this blog pulled from this link 

The #1 reason most people don’t hit their goals, and it is not what you think.

This morning my wife and I started our day off in one of our favorite coffee shops in the world, located in our hometown of Louisville, Ky. We are here visiting family for the holidays and we will stop there every morning while we are here.  It not only has the best coffee and mochas on the planet, but it is also owned and operated by the best people.

As we are sitting there this morning we were doing something that I have done in the coffee shop for years before we were married.  That is taking inventory of how I did with my current year goals, and start writing and planning what I would like to accomplish in  the next year.  This year was different, because when I was single, I just did it by myself.  And now that I am married it is very important to do this activity with my wife as well.  We still have our own individual goals, but we also set goals as a couple for our life.

The first thing my wife and I discussed, was the definition of a goal.  This is par for the course, because even though we have a great marriage and we have been together for a couple of years, it can still be difficult for me to think as a couple versus as an individual.   However, I continue to get better and better at this, and sitting down and doing this yearly ritual that I have always done by myself, with her, is a great example of my growth in this area.

Once we settled on a definition of a goal, meaning we agree to disagree.  I think hers is the typical definition of a goal: an idea of the future or desired result that a person or a group of people envisions, plans and commits to achieve.   I don’t disagree with that definition, I just add another piece to it.  I add that a goal is something that you weren’t going to do otherwise.  Meaning you had to do something different, ie. change a behavior, invest money or time.  Cut out something or add something to achieve.

Some people say, I am going to show up to work everyday at least fifteen minutes early.  Well, the chances are, you were going to do that anyway.  What did you have to change?  Or they say, I am going to go to the gym 100 times this year.  Well, last year you went 100 times, what are you having to change?   Once you hit a goal, I believe you have proven that you can hit it.  Which means you did whatever was necessary to demonstrate the behaviors  or invest the time and money, you cut out or added the necessary resources to accomplish the goal. So you must change the objective to have growth in that area.

So there we are setting our goals.  We worked on this for about an hour or so, and we got about seven to ten very solid goals for 2018 written down. To some, that may seem like a lot. To others, you might be saying that seems like a little.  I agree with both of you.

The reason I agree with both of you, because setting good goals is hard.  A good goal is something that is specific, measurable, attainable, realistic, and time sensitive. Also, known as SMART goals.  They also have to be worthwhile towards your life.

Setting goals is hard work.  And as I have learned, it is even more difficult to do it with someone else and have to agree on what they are.  This is why most people never set very specific and targeted goals.  It is hard to sit down by yourself, and even harder with someone else, and lay out specifically what it is you would like to accomplish for the next year and your life.

This is why most people don’t usually accomplish much.  They don’t do the hard work on the front end. Which is sit down, think about what it is you want out of your life, career, marriage, relationships, finances, church, God, health, etc. And then write out specifically what you want in those areas of your life to look and feel like a year from now or ten years from now.  And that is why I believe this is the number one reason people don hit their goals.  They never set them to begin with. You can’t achieve what you don’t know you want to achieve.

Before I became a very strategic and successful goal accomplisher.  I did what most people do.  I would say I want to grow in my career.  I want to make more money.  I want to have a partner in life.  I want a better relationship with this person or that person.  I would say all of this in my head, and in many cases, I would be successful in accomplishing those things, over time.

I got most of these things, but I didn’t get them in the amount of time that it should have.  It took way more time than I even care to share.  When I started to sit down and said I want to be a VP by this year.  I want to make X amount of dollars by x date.  When I said I want a wife that has these characteristics by this date.

Once I started setting goals this way, I have since achieved a lot more in my life, my career and in so many other areas of my life, that I would have never accomplished if I didn’t do the hard work on the front end and decide what it is I wanted to accomplish.

If you want to accomplish more this year than you did last year, do the hard work now and decide what it is you want to accomplish and then write it down.  This is another blog for another day, but writing your goals down is one of the major contributors to the success of you accomplishing your goals as well.

If you need help to do this reach out to me at and I can help you achieve everything you want to achieve in 2018.

To your success and your future.




How one word changed my life and how it could change yours too

Each year I pick one to three words that I plan on living by and using to guide my decisions for that year.  The reason for this is, I believe each year is a new season for your life. Sure, it could be a continuation from the previous year, or previous several years.

However, if you want to grow, accomplish new things, change the status quo, modify your behaviors, etc. Creating a theme or a mantra to live by, allows you to challenge yourself, because you have already identified the changes you want to make.

About five years ago I decided to take the leap.  No, not get married, but something just as close. A friend and I decided to go in to business for ourselves.  So we started a business and ultimately left are good paying jobs to pursue this new business venture. If you want to read more about that venture and what I learned click here

The bottom line is, we ultimately both went back to working full-time jobs and our business has grown since that time.  But when I went back to work then, I was on a mission.  I wanted to make sure that when I decided to leave again that I would be ready. I knew I would eventually leave that full-time job, working for someone else. Again.

So I called the next year, and really that next stage of my life “Preparation”. That was the theme that I lived by for the next couple of years.  Even though our little business is still running today, I wasn’t prepared as much as I thought I was.  I knew that for me to eventually leap again, I would have to have better skills, more money, and be better prepared.

By declaring that my mission in my life at that time it helped me make decisions.  It helped me to have a patience.  It helped me to know where to spend my time.  I knew in the back of my mind, that I would eventually do something other than what I was doing at that time and I wanted to make sure I was prepared for it when that opportunity presented itself again.

Company’s and businesses do it all of the time. You can call it core values, or a creed that they live by.  Regardless of what it is called, when a company or business decides what it is and why it is important for them, it allows everyone in the organization to be able to make better and quicker decisions. Because what is important has already been decided.  Now they just have to make decisions accordingly.  And companies change these core values or creed as time goes on.  What may have been important five years ago, may not be that important now.

As an individual person, the CEO of me.  I have to do the same thing.  I have to decide today what is going to be important for my business and my company this year and maybe even the next few years.  They all go together. By making the decision today, you wont have to think about what is important tomorrow, you’ve already decided.

A few years ago, after the business venture. I decided that real estate and investing was the theme for a few years.  It still is today, but a little different.  When I decided that real estate investing was the theme, I set a goal.  I had already owned real estate. But I wanted to increase my portfolio by ten over the next few years.  That is what I did.  For the next two years, I increased my portfolio by five.  I saved all my money, I cut out all of the wasteful spending, because at that time the theme of my life was to invest in real estate.

Again, by making that decision, that theme for my life, prior to the next year, allowed me to decide and execute much easier, because I had already decided what was most important.  Keep in mind, the real estate investments went right along with me eventually making a decision to do something different in my career.  I knew if I had income coming in from real estate it would make my decision to do something different that much easier in the future.

You can now start to see how these themes come together and work with each other as you progress through each year. This evolution is how growth, change, and success accumulate.

Fast forward to last year.  I knew 2017 was a going to be the year of change for me.  Because of my commitments that I made and executed that I described above, it was now time to make that leap again. In addition to making that leap again, I decided to get married, move to a new state, 1000 miles away from where I currently lived.  Also, buy a new business and leave a six figure plus good paying job and career to start making zero dollars in a new career.

The words I chose to make for my theme for 2017, were simple, but I needed them to help guide me each and every day as I was now doing something that I hadn’t done before.

The words were disrupt and interrupt (this was a theme by itself), cashflow, and relentless.   The most important asset to any business, especially small businesses is cash flow.  It is really the most important asset to you as an individual as well, but that is another blog for another day.

To get the business I was going to buy off the ground and producing, my focus was how can I generate cash flow daily.  From that theme I created very specific goals around it. Just like I did before with real estate.

Also, the other words, disrupt and interrupt was the mantra that I would have to live by every single day to go out and generate the cash flow that I needed for the business.  So as you can see these two themes go together.

The result I wanted was cash flow, but the mentality I had to have was disrupt and interrupt people to buy my services and pay me money. And lastly, the behavior that I had to demonstrate was to be relentless.  Which means never stop until you achieve the goal.

As I wrap up 2017 and I am planning 2018.  I am working on what the themes will be for next year.  They will be somewhat similar to this past year, but they will help me get to the next level.

I don’t know where you are in your life and your career.  But what I do know about human nature is that we focus on whatever it is that is most important. By choosing a theme for your life for next year and the years after, it will allow you to start focusing on those areas of your life.

I can only speak from my experience that when I started focusing on preparing, real estate, and being relentless in creating cash flow.  These words were at the top of mind every single day.  They guided every decision I made.  They got me up in the morning and helped me go to bed at night.

Make the decision for your life and your next season of life today.

If you want to learn more about how to do this.  Hit me up at or just put something in comments wherever you read this.

To your success and your future.




A $50,000 dollar risk, and what I learned from it.

“No risk equals no reward”. It is cliché to say the least, but clichés are clichés because they are accurate. This cliché is definitely true.

Throughout my life I have never achieved any kind of benefit, at least, a significant benefit that was worthwhile and beneficial, without taking some risk that included money, time, effort, energy, etc.

Two years ago, I started preparing for the next stage in my career.  When I say two years ago, I mean it was go time. I had been preparing myself for several years prior to that time, but now it was leap time.

At the time, I thought I knew what that next stage was it was and what it looked like.  I had been preparing myself for years for this next stage.  I invested the resources to enhance my current skills.  I made it a priority to seek out and develop new skills. I put in the work and time that was required to ensure I was ready to take the leap into this next phase.

Secondly, I also made sure that my personal finances and life in general was in order. I  didn’t want any financial concerns or constraints to prevent me from making this leap.  Nor did I want to make the leap and fall flat, because I didn’t have things in order.

So with everything in order, it was go time.  I did it.  I knew it would be hard, I knew there would be hardships.  I knew that in the short run, that things wouldn’t be the same as they were before.

I was used to living off of a six figure plus salary.  I was used to spending freely and doing what I want.  I was used to not thinking too much about how and where I spent every single dollar.  I had enough disposable income that money wasn’t a constant concern.

I took the leap, and now that I am on the other side of it.  I can tell you exactly how much it cost me.  I can tell you exactly how much less I had to spend this year, versus the previous ten years. I took a $50,000 dollar risk.

As I planned the leap I didn’t know what the cost would be.  Actually, I thought it wouldn’t have been that much.  Well, honestly, I didn’t know what it would cost.  You know why?  Because I had never been here before.  I had never taken a this leap before. I had never taken this risk.  It was all new.

Monetarily I know what the cost was this year.  It is easy to see.  What isn’t as obvious is the growth that I had this year.  The things I learned that I would have never known if I hadn’t taken the leap.  The things I learned about me and what I like and don’t like. My true strengths and some of my weaknesses.  What is best for me, and what is not good for me.  How business works and doesn’t work.  I learned about people.  You can’t put a dollar figure on any of these things.

Most of us never venture out far enough to actually see how far we can go. We instead have to play it safe, because we are afraid or because of our lifestyle, we have to stay close to the dock, and never really swim out far enough to realize we can swim as far out as our mind will take us.

As you wrap up 2017, let me ask you:  Would you be willing to take a $50,000 risk for your growth and development?  Or maybe a better question is this:  Can you even do it?

The second question is probably the more important one.  Have you put yourself in a position to know what you are truly capable of.  Or have you been doing the same things for so long and getting the same results, that you can’t even begin to fathom what it would be like to do something else.

Are your debts and obligations such, that you have to keep doing what you have always done? Again, I know what this looks like, I did it for many years before I learned that I had to prepare myself today for the future I want tomorrow.

If you want to learn more about how I did this, and how you can do it.  Reach out to me and lets talk.  We all need a little coaching in our life. Someone to hold us accountable and help us get to a place where we have never been before.  Are you willing to take a risk?

To your success and your future.



Why you and college athletes should get paid more

I don’t normally write about these kinds of topics on my blog.  However, given the current events in my hometown of Louisville, Ky, I felt compelled to write about it.

I am on record stating that Rick Pitino should have been fired after the whole Karen Sypher story.  I don’t want to rehash that entire thing, but if you are reading this you know what I am talking about.  If you don’t, just google search Rick Pitino and Karen Sypher.

That incident and the fact he wasn’t fired after that charade, told me everything I needed to know about what was important and what isn’t important with Rick Pitino and Louisville Cardinals sports.

But I am not here to talk about the lack of integrity of Rick Pitino, the University of Louisville Sports, or any of the other people included in the string of issues that have occurred at the University of Louisville.

I want to talk about something that I am known to talk about, and constantly do so across all of my social media channels. And that is.

Getting paid for the value you bring to a company, the market, sports franchise, a college sports team, etc.  Everyone wants to get upset about what CEO’s, athletes, entertainment stars, and even certain people within your company are earning.

Lets set some ground rules before diving into this:  Would you agree that you would like to get paid the fair market value (and probably more) for the skills, talents, and abilities you bring to your current employer?  Let me answer for you.  Yes.

The second thing.  Would you agree that companies, businesses, a sports team, etc., have to pay the going rate for positions within any of those entities.  In your company, you have to pay your engineers a certain rate, fair market or more.  Or you won’t attract any engineers to your company.  If you’re a sales person.  A really good one.  Then a company has to pay you a very competitive salary and commission structure for them to attract and keep you at their company. And then lastly, your favorite NBA team, or NFL team, or MLB team has to pay the going rate to attract the best point guard, quarterback, or pitcher to be able to get that player to play for their team.

So we both agree.  We are looking for fair market value for our skills.  And secondly we agree that companies, sports teams, etc. must pay the going rate for positions, employees, and players.

Now that we both agree on this.  You will see my logic on the fact that college sports is a big joke. It is a market or marketplace that has become a very big business. Billions of dollars are generated in college sports on a yearly basis.

College sports is the only business that doesn’t pay its personnel a fair wage for the amount of money that they generate.  We all know that these major college sports programs would not be making the money that they do without good players that are competitive. If the school is not competitive, it is up to the school and the coaches to go out and get the best players so they can become competitive again, and get on television, etc.

College Sports teams are no different from any other business. They have to recruit and retain top talent. If they don’t, they won’t be in business very long.  However, in business you can pay a fair wage and a competitive salary with benefits. In college sports, they are not allowed to do this under the current rules and regulations.

I used to be one of the people who thought college athletes shouldn’t get paid either.  I believed, like others, that the scholarship, the opportunity to go to college, in many cases for free, and all of the other perks they get was fair pay for the work that they did.

Then one day I woke up and said, I am trying to earn as much money as possible for the skills and talents that I possess and continue to develop. Why should I feel any different about an eighteen year old that has unbelievable skills or genetics for that matter, and them wanting to get paid as much as possible for their skills and talents.

We all want to think that a university or a college is different, and we have treated them differently because of the corrupt NCAA (National Collegiate Athletic Association).  This so-called non-profit that oversees all of college sports.  College Sports is big business and continues to become even bigger business.

It is time to change the rules and allow collegiate athletes to get and earn whatever it is they deserve to earn.  Many of you think, I am just stating this because of the University of Louisville issues that have come out.  Obviously, this issue has forced all of us to take a look at how we feel and think about our positions and opinions on this topic of college athletes getting paid.

I believe everyone should get paid for the value they bring to whatever market they choose to do business in.  I don’t care if it is college sports, business, non-profits, you name it.  We all want to make the going rate of whatever profession we choose to take on.  It should be no different in college sports.