The 3-Day Weekend Apprentice - More Money & Free Time + Better Relationships Without Changing Jobs | Wade Galt | Skillshare

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The 3-Day Weekend Apprentice - More Money & Free Time + Better Relationships Without Changing Jobs

teacher avatar Wade Galt, 3-Day Weekend Entrepreneur & Coach

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Taught by industry leaders & working professionals
Topics include illustration, design, photography, and more

Watch this class and thousands more

Get unlimited access to every class
Taught by industry leaders & working professionals
Topics include illustration, design, photography, and more

Lessons in This Class

22 Lessons (1h 40m)
    • 1. Invitation

      3:09
    • 2. Welcome to the Program

      1:13
    • 3. The 4 Day Work Week Journey

      8:24
    • 4. Implementation Workbook

      1:09
    • 5. Program Goals

      2:45
    • 6. Multiply Awesome Relationships

      6:36
    • 7. Score Your Relationships

      6:15
    • 8. More of Your Best Relationships

      3:40
    • 9. Examine Your Time Investments

      2:16
    • 10. Do More Things You Enjoy

      1:09
    • 11. Improve Your Weekly Schedule

      4:23
    • 12. Investing, Trading or Spending?

      8:12
    • 13. Your Money Optimization Plan

      1:59
    • 14. Score Your Things

      4:53
    • 15. Optimize Your Things

      4:21
    • 16. Relationship Mastery Milestones

      5:53
    • 17. Time Mastery Milestones

      4:56
    • 18. Money Mastery Milestones

      6:48
    • 19. Mastery Milestones for Your Things

      5:30
    • 20. Program Results

      1:52
    • 21. Case Study 1 - The Teacher and the Executive

      7:19
    • 22. Case Study 2 - The 20 Hour Pair of Jeans

      7:16
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About This Class

Move Towards a 3-Day Weekend / 4-Day Work Week Lifestyle without Changing Jobs

Make More Time for Your Favorite Relationships & Activities

  • Spend More Time with the People You Care About Most
  • Spend More Time Doing the Activities You Love Most
  • Stop Wasting Money on Unimportant Expenses
  • Enjoy Your Possessions More, But Spend Less

Meet Your Teacher

Teacher Profile Image

Wade Galt

3-Day Weekend Entrepreneur & Coach

Teacher

I teach people to create the LIFE, LIFESTYLE & LEGACY they most desire with courses, coaching & software.

As a father & husband, my time with my family and friends is priceless.

My work, vocation and the impact it has is very important to me.

But I'm not willing to miss out on Life, Love & Friendship to make more money or earn more followers. 

It's possible to create a life you enjoy, make a positive impact on others & do work you believe in.

20 years as an entrepreneur, software developer, life coach & entrepreneur coach have helped me learn how to help others create similar results in their lives.

Employees, Freelancers, Entrepreneurs & Business Owners can benefit from this work.

I look forward to... See full profile

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Transcripts

1. Invitation: Hi. My name is Wade Gulf, and I am a four day workweek entrepreneur. I've been working with entrepreneurs to help them grow their businesses for over 20 years now. And on my journey, I've gone through the jury that most people need to go through to get from being a worker, an employee to somebody who is an entrepreneur who can effectively decide not only their income, the freedom of the work they do but ultimately the hours they work in the lifestyle they wish to create. As I've worked with entrepreneurs over the years, I found that most people start with a phase that I call the Apprentice, where they're willing to start looking at how they live their life outside of work so they can better manage their money, their time, their relationships and their things, the ones they already have before they even consider looking for a new job or a new situation. From there, they usually look to improve their income, their job situation, maybe their current employer will give them a four day workweek opportunity, certainly years ago. This is a lot more difficult than it is today, and this is the possibilities you get better where people find you indispensable, they can't do without you. And they want you so badly to work with them that they'll be flexible in their work opportunities when you work and how you get paid. For many people, though, this doesn't really pan out the way they'd like. So they start the process of being a freelancer whether they do this by quitting their old job cold turkey, maybe they're fired. Or maybe they start working on a side business as they're employed with a day job, so that they can start creating their own freedom. And then, as they bridge that gap very often, they either become an entrepreneur or a simple version of an entrepreneur. A solo printer where they work on their own situation, grow their own little business as their starting and eventually perhaps become a business owner as well, where they involve other people now, Years ago, this used to be a lot more complex. There's a lot fewer moving parts today, and what I can help you do in this first piece of this journey is help you become a four day workweek apprentice. Help you make the most of the money you already have the relationships you already are engaged in that time you have available to you and the things that you whether you're already an entrepreneur or if you're a freelancer or an employee, understanding how toe best make use of your time outside of work is the key to getting started. Anybody who does not make good use of their time outside of work is not gonna be motivated to make more time available. So in this first piece of the journey, be apprentice, I'm gonna show you how you can get the most out of your relationships the most out of your free time. Free up additional money and get the most enjoyment and use out of the things you possess an own without having them take up too much your time. I hope you join me this journey on before helping you create your four day work week lifestyle. Eventually, where you can make more money in less time, doing what you do best so you can enjoy your family, your friends in your life in the way you most desire. Thank you 2. Welcome to the Program: Welcome to the four day work week Apprentice program. And congratulations on taking your first steps towards creating your four day work week lifestyle. It took me 22 years to create my four day work week lifestyle, and I'm confident I can help you get there a lot quicker. Each of the steps in the journey require a different set of skills, different set of capacities. What we're gonna do here is focus on how we can help you improve your life outside of work . Without you having to change jobs, We're going to focus on improving your relationships the way you invest your time, how you invest your money and the things you own and how you use them in a way that contributes to you living the life you most wanna live. I encourage you in the program to ask questions, to take advantage of the opportunity to use the experience that I have. I'm not smarter than you, but I have been down this path and I can help you with things that maybe you don't know. Please let me know whatever questions you have and however I can best serve you, I look forward to helping you make more money and last time, do what you do best and helping you create the lifestyle you most desire. See even greater. Enjoy your family, your friends in your life. Thank you. 3. The 4 Day Work Week Journey: Now let's talk a little bit more about the four day work week journey. As I've mentioned to you, there's this progression for most people that starts out with being in a situation where you're an employee and wanting to eventually create more freedom. Now, this could be your first job. You might say, Wait, I've been an entrepreneur since almost immediately, but this one time I worked for somebody. Whatever it might be, it starts out usually with getting paid by somebody else for your time, then moving forward from there. But there's a piece to this equation that's not yet shown here that comes before you become an apprentice. The first thing that happens is you have to decide that you're going to look to be an entrepreneur, and or that you're gonna look to be a four day workweek entrepreneur or some similar Lifestyle doesn't have to be exactly four days, but the type of lifestyle that you want, whatever that looks like and this is a freedom, a liberation that comes internally and the simplest way I can explain this is that there's this fog that first happens in the ability for a person to see what they really want. And then there's some clarity that comes out of it. And for many people, it looks like this. Maybe not everybody, but it looks a lot like this. First we see somebody else who has something that we want. Now, if you're really evolved, you might skip this stage of being a hater or being jealous of somebody else. But say, Wow, that person does this thing. Why did they get to do it? Why don't I get to do it? Why did they get to be an entrepreneur? Why did they get to work? Four days, whatever it might be and that goes handed hand almost with this non believe like that's not possible or that's not legitimate or they must be a crook. Or maybe their parents gave them money, some sort of way that still, mentally there's this block. And while this block is there, you can't create a 40 working lifestyle because you're still believing it's not even possible. Then that's similar to the doubting phase. Well, you know, maybe it worked for one or two people, but it's not gonna work for me. It's his really low percentage thing. Here is the reason why there's almost excuses usually built into this. Well, this person had this advantage of this privilege. They have something I don't have, but bottom line, it can't work for me. And eventually, perhaps, if you get exposed enough to watching other people around, you do it. Perhaps you listen to a podcast or you watch enough successful people do it. You say, You know it. Maybe this is possible. And that's really the turning point, at least internally that now, instead of looking for all the evidence that it can't happen, you start looking for the evidence that it's possible. And from there there's this sense of hopeful. Maybe I could be that person. Maybe I could become an entrepreneur. Maybe I could work four days and all these stages I stages that I've been through. I got to go through him perhaps quicker than many because my father is an entrepreneur. She was blessed in that way. But I also did spend seven years working in a corporation after I left college because I wasn't so sure I could make it happen. And then you become a believer, and once you become a believer, you see the colors in the diagram here starting a lighter. There's this sense of possibility this could really happen. And now it's more of a thing of kind of figuring it out, as opposed to thinking that it could never happen. And then you start seeking okay, What is it that the people that are doing this, this thing, that I want this entrepreneur thing, this 40 work week thing, what are they doing? And I'm gonna start learning from them. And even if I haven't yet started learning, I'm simply gonna make this decision that you know what I'm going for this. And so this whole conversation, where this whole framework or this whole idea, goes on for most people internally. And this is something that can take hours, two days, two years, depending on how you work on it. Now there's a piece of the process I teach called the four day workweek game plan. I'll share with you in here. It's also available separately. If you have friends who are taking a look at this, it's available for free, and it helps a person get from that place of either hating or not believing to a place of deciding, believing it's possible having hope and then seeking out the solutions and deciding that you're gonna make this thing happen. And then now, once that happens, there's the external process of creating this and making this happen. And very often it's this journey from an employee. And then there's a cross over when you decide I'm not gonna be an employee forever. I might not be able to switch just yet, but I'm moving in the direction of eventually becoming an entrepreneur. And these were those stages of The Apprentice, the person who is usually working for somebody else or they're being paid by somebody else , and they're really not yet creating their own opportunities. But they're moving towards something, and they realize that they could make better use of their time, better enjoy their relationships. They already have better enjoy the money and the things that they already have. So this is not about making improvements inside work. This is about making improvements outside of work, and when you make that decision, you basically decide to say, I'm gonna take everything I have and make the most of it. My money, my time, my relationships, my things and do whatever I can to make those enjoyable as fun and productive as possible. This is actually the theme of a book I'd written years ago, almost 20 years ago called Put Your Money, Where Solis and the whole focus is to really just enjoy what you already have without yet even needing to change jobs to just create as good of life is possible and from there. Then you can start working on how you can be worth more inside of work, how you can create more value, be generating more income, create a sense of freedom that, knowing that either this employers going to give you more freedom than allow you to work the lifestyle and the hours you want. Or you're eventually going to move to the next step and start your own gig. Your own side business, your own deal where you now start freelancing, creating what you most want on, whether somebody will let you or not. You start moving towards that sold Oprah nure and business owner opportunity of creating your own situation. And that is something that for most people, takes months two years. But like anything else worth working for, it's going to be a process that if you engage in it, the results and the outcomes will probably be well worth it. So in my process, the game plan is that first piece and then all the steps going from apprentice to business owner and even additional step call Mentor are involved in what I call the academy. So what I would like to do is in this piece here, teach you how to, as an apprentice, create the lifestyle you most desire outside of work, make as much improvements as possible without you needing to change jobs just yet. Maybe you will eventually do that. And I'm certainly all about that if the timing is right for that. But this is all about realizing you don't have to await so many people say when I get the job all to this when I get a raise, I'll do this. The apprentice stages all about saying, Now I'm gonna make some sort of improvement, some sort of change, and I'm going to do that now. I'm not gonna wait, so I really invite you to start being open to the possibility and be excited about hopeful about what can be to be in a seekers mindset into the side that this is something you're gonna make happen In my case, it took me 22 years from the time I left college and started working to create my four day workweek lifestyle. I've been joined it now for years, and I can tell you being at the beach on Friday, playing volleyball with my friends. It's a lot better than being at work, wishing somebody would notice me hoping somebody would grant me something that might or might not becoming. So with all the trends there are in the workplace of employees considering granting people four day work weeks, that's great. And if that can happen for you and you can keep the stability of your job, that's awesome again. And The Apprentice here were first just going to focus on what you can do to be better outside of work. But either way, I'm gonna suggest you make that decision that this is going to be something you're gonna create, whether somebody gives you permission or not. 4. Implementation Workbook: in order to help you get things done. I've created the Apprentice Implementation Workbook. This is gonna help you execute what we're talking about in the program. Now, what you possibly noticed is I don't have a tremendous number of videos. I have a few videos that are very clear about what I found. Works. That's because I've thought about this a lot. I've implemented this. I don't need to give you a lot of philosophy, but there are specific things that need to be done. The implementation workbooks can help you do that. And if you implement the workbook and execute the actions as recommended it you're gonna find tremendous growth. You're going to see we have exercises that relate to your money, your time, your relationships in your things. And in each case, we looked for you to decide what's most important So you can shape your life outside of work and ultimately, along your journey create the lifestyle you most desire so you can make more money in less time doing what you do best and enjoy your life with your friends and your family and your loved ones. Please let me know at all steps. Whatever I can do to help you afford helping you implement this 5. Program Goals: one of the first things we want to do is get clear about your goals for the program. Each step in the journey has certain milestones, and each of those milestones have certain goals that are related to those. Now people go back and forth about whether they write down goals or not gonna make quick reference to a study. Maybe you've heard of. It's the 1979 Harvard Business School N B. A study on goal setting. What they did is they tracked a group of graduates of the MBA program, Harvard University, and what they found was that 84% of the class had set no goals at all upon graduation, 13% had written down some goals, but they had no clear plan of how they'd achieve those and 3% had written down their goals , and they had concrete plans 10 years later. What they found is the 13% that wrote down their goals were making two times as much as those who did not write down their goals, and the 3% that both wrote down their goals and had a clear plan on how to get there. Made 10 times as much as the other people in the study. Now money is not the only measure, but certainly that's one measure that indicates productivity results an ability to be successful. So what we want to do in our situation is get clear on the four main areas we're focusing on in this program. Relationships, time, money and things. What are three positive changes you'd like to see in the upcoming 30 days? And what would that mean to you if you could do that? Why is that important? Knowing why it's important is so critical because it's the fuel to really help you understand why you do the work. So let's be clear. There's gonna be probably some work involved here. It's not gonna happen by itself, but the work has to be worth it, and you have to be able to really sell yourself on why it's worth doing the work. If you take on an exercise program, there's got to be some reason, some reason why some vision that lets you understand that, yes, I'm doing work in the short run, but there's something better waiting for me in the long run, so I encourage you to complete this all the way through. This is the first of a series of exercises in the program, and this is really the most important. Get clear about what you're doing. So take some time when the video is done here, write down your goals. If you have any questions, please put him in the comment section below and I look forward to, as I always do, helping you create the lifestyle you most desire. She can make more money and last time, do what you do best and better enjoy your friends, your family and your life. Thank you. 6. Multiply Awesome Relationships: Now that you've set your goals less begin, the first thing that you can do to make the most of your life outside of work without even having to change jobs is to multiply the number of relationships in your life that are just awesome. This is all about creating mawr, time for your best relationships and being able to find more like them. So without getting too judgmental, I'm gonna simply determine and use a labelling system here where we say that some of our relationships are awesome, some of her mediocre and some of them are bad, Not bad in the sense that they have been naughty or mean, or that they're getting coals in their stockings Christmas. But they're just not for you. They don't work for you. And so if right now this pie chart kind of demonstrates what percentage of your relationships fall into each of these categories, our goal throughout the course of this program is to set you on a path that will eventually help you to create a life that looks more like this now to be really clear. There are some relationships that maybe you can't get away from this easily Sometimes it's co workers or family or things that over time you might decide that you're going to stay in the relationship because it's somebody in your family or you've decided support somebody emotionally or however it might be. But overall, if you could be choosing the relationships you want, and even if you stay in some of the relationships that aren't as great as you like, even choose how much time you invest there, this could be a big step forward and creating a life you most desire. So overall, when we consider relationships, they really color or impact our lenses. In our world view, most of us see the world from our own subjective world view. We don't see it as it really is, but how we perceive it. So our worldview, our perception of the world, can be changed by our mood, our confidence, our experiences, our health, our geography and many variables. Put simply, our relationships affect our world, our world view and everything in our world. So one of the best ways to improve our world is to improve our relationships. Now measuring relationships is really difficult because they're intends one some ways. But I'm going to suggest to you that in order to make this something you can take action on , we're gonna put numbers on things. And in all of this, I'm still going with a very basic assumption. I happen to believe all people are created equally. You might or might not hold that belief. I happen to believe there's a crater in the universe, some divine force. Somehow I don't know exactly what it looks like or operates like, but I believe there's a benevolent force you might or might not. But regardless of whether or not I think people are created nicely or not or have equal rights, I'm gonna evaluate a relationship as to whether or not it's something that supports, make creates greater happiness in my life and simply if I want to be in it or not. So it might be impossible to quantify our relations or people we can measure or assign numbers to our feelings about relationships and how they impact us so we can evaluate our relationships without being negative or judgmental. We dont just say that we're better than this person, but we can still be strong enough to clear enough to decide what we like, what we don't like. So maybe we can't quantify the taste of chocolate or vanilla ice cream. But we can number one quantify how we feel about it to decide if we want more or less of it . And we can do this without being mean or nasty. We don't have to put another person down or we don't have to hate on choc ice cream, for that matter, we can simply choose that we want more of what's for us and less of what's not for us. And so again using this basic concept, if we have awesome, mediocre and bad relationships, the first thing I want you to consider in this first exercise is how do each of these types of relationships make you feel? And as you're doing exercises throughout this program, I'm gonna pause, feel free to pause the video and do the exercise or pausing audio if you're listening to this and do the exercise. But the first thing is, how does an awesome relationship lead you to feel? How about a mediocre relationship? And how about a bad relationship in each of these types of relationships? How are you treated? What's your energy level like, Is it high? Is it low? Is it somewhere in between in each of these types of relationships? And how do people in awesome relationships speak to you? How about mediocre relationships? And how do people in bad relationships speak to you? How do you know it's an awesome relationship? What is it about that relationship that tells you it's an awesome relationship? And how do you know it's a mediocre relationship? How do you know it's a bad relationship? As we start to identify patterns? Are there any patterns and where you meet the people who are in awesome relationships with you? How about the mediocre relationships? Is there a pattern as to where you normally meet those people? And what about the bad relationships? And then, finally, for this first exercise, how does your life flow in the moments that you're operating in a relationship that feels awesome? And how does your life flow when it's mediocre? And how did your life flow when it feels bad? So if you haven't already, I really encourage you take the time, do this exercise before you move forward. As I've mentioned, there's not a lot of philosophy in this program. It's more about taking action. Now. If you prefer to listen to everything through once, then go back into the exercises. I understand that I've done that before, sometimes myself. But I really want to communicate to you clearly that without doing the exercises, you're really missing out the main part of it. You're missing a piece that's gonna help you make a big shift in your life. 7. Score Your Relationships: Now let's talk about appraising your relationships. How are your 10 primary wealthy areas affected by each of these types of relationships? Now, if you talk to different coaches or psychologists or thought leaders, they'll tell you that there are multiple dimensions to your life now. They won't always agree on all of them, and I'm not looking to make an argument or case specifically for these 10. You might have a slightly different 10 that you think of the dimensions of your life. But put simply, what is trying to be communicated is that there's more than one dimension. It's not just about money. It's not just about time off. There's multiple areas. And so when you're in an awesome relationship, chances are each of these areas of your life. Spirituality, family, romance, friends, health, fun, finance, career growth and giving all of these areas chances are have either a in between or a positive in some small amount or high amount of an impact on your life. By definition, a mediocre relationship probably doesn't impact these areas much at all, and a bad relationship impacts thes areas negatively. So as I look to evaluate the relationships I'm in I'm gonna look to see. How does each of these relationships impact these different areas? And the way I'm gonna do that is I'm just going to simply indicate that every time one of these areas is impacted positively by relationship, I'm gonna put a plus sign or a plus one. If it's not impacted at all, or in any significant women zero, it has impacted in a negative way. I'm gonna put a negative one. And once I write out the numbers for each of those, I'm gonna total up and put a number on each of these relationships that could be anywhere from a plus 10 in my most awesome relationships, my mediocre relationships or even me closer to a zero, and my worst relationships are gonna be closer to in negative 10. So here are some examples of what it might look like. And relationships can include organizations. They could conclude your relationship with God if you believe there's a God specific people , whatever might be. But let's look at the 1st 1 here. Let's say you have friends you go drinking with and again not looking to make a judgment one way or another on this But if you look at the dimension to your life, you might say, Well, that doesn't really do much for my spiritual dimension or my family or my more romance. It improves my life with my friends. It hurts my health. It improves my fun. Perhaps it hurts my finances, and it doesn't do much for my career, my growth forgiving. And so at the end of the analysis of that, it's zero. It's really it's mediocre. It's not great. It's not horrible. But maybe there's something that could be better if I have an awesome spouse, were partner somebody who supports me and helps me be a better version of myself. I might find that all of my areas are significantly impacted by that in a positive way. If I have a teacher, that's inspiring to me, whether it is now or a mentor, somebody grew up learning from. Maybe that person doesn't as much impact my family or my romance of my friends, but they might still have a very positive impact on my life. And if I have a good relationship with the divine, if the divine exists, and if you believe that and that works for you. It happens to work really well for May. You might find I that's in a relationship that's pretty awesome when I invest time in that get present with that through prayer, meditation, going to services, whatever works for you and then to use just a generic term. There's certain people that just drain our energy, and maybe they don't hurt us as much spiritually, directly or family or romance or friends. But they just drain our energy that take away our health, our life force. They make things less fun. Maybe they cost us money either that they're draining our energy so we can't be as productive or they're just taking up. Our time are wasting our money. And so in each of these situations, trying it clear what a relationship is really worth to me in the sense of helping. You're hurting me when this is not to say I'm some fancy person, that everybody in the world has to bow down to me. I don't happen to believe that anybody is better than I am or anybody is worse than I am again. This is about whether or not this leads to your happiness in the journey and the objectives you're looking to achieve in the life you want to live. So in this next exercise, what I'm gonna suggest you do is right down either the names or if you're concerned, people might see this right down, maybe the initials or even just a code word for five, the worst relationships in your life. And for each of these, put a plus one or minus one or a zero on each of them, so that you can evaluate what the score for each of these relationships. Feel free to pause the video or the audio now so you can do that. Next. Think of five relationships. They're kind of mediocre. They're not really hurting you, but they're kind of just there. Maybe to a certain degree, they're a waste of time. She might say, Wait, my relationship with bad television is a mediocre relationship. It's really kind of taking up my time. Go ahead and think of five of those, write them out and score them. And then now think of your five best relationships. Write out the names of those groups or people and again determine the scores for them. Take the time now to really get clear about what it is. That's awesome about those relationships because most of all in this area, this is gonna help us to better create more of these types of relationships and then finally score any other relationships that you invest a lot of time. And so if you've done the 1st 3 groups and you say, Wait, there's still a few people or groups that I spend a lot of time with, evaluate those as well and see how they score according to what is best for you, as far as you can best understand. 8. More of Your Best Relationships: Now that we've scored your relationships, let's look at the things that you'd like to change. What we want to do is re allocate or redistribute the time that you're investing in relationships, from your less desirable ones to your more desirable ones. So in this exercise, the first thing we're gonna do is write down 10 relationships that you'd like to shift in some way with regards to how much time you invest in and label those relationships with the name of the initials and then indicate what that score is. Now, these could be good relationships, that you want to spend more time, and they could be not so good relationships You want to spend less time and then indicate how maney hours per month, roughly you invest in this relationship and how many hours you'd like to be So again, current hours is what the current situation is desired is how you'd like it to look and then you just do the math. What would that change in hours be then indicate what you would do with those hours. Not so much what you would do with the person. But how would you reinvest those? So you might say on the first line that you freed up five hours and you're gonna reinvest those hours in a different relationship, or you're gonna go have some downtime and relax whatever it might be, and then set a target date for each of those. So this becomes a game plan for you to start improving your relationships, what you're going to be doing with them simply by shifting around things and again to be really clear. You don't have to get rid of every relationship that you find less than ideal. It might be the simply slowly invest less time in that relationship and start investing more time in relationships. You enjoy more as you take action to create greater relationships in your life. A simple goal is to start one new relationship each week. That's going to be better for you. So awesome relationships can be found in many different ways. They might be connections of existing relationships are already pretty awesome. Maybe there's physical places, clubs or groups or events are gathering to meet ups that you know you'll meet people like this at online places such as show some media sites, interest groups and so on. seek to initiate at least one new relationship per week. Just focus on making connections with people who seem awesome. Don't worry about the speed or the depth of the relationship that doesn't need to be heavy . This does need to be really serious. You can control your activity, but you can't necessarily control which relationships develop. Don't track it. Don't obsess over it. And don't worry about it. Just plant. Seems like a farmer does that might or might not grow over time. Plant enough seeds would love and friendship, and enough will grow. So now let's rap about we talked about in order to multiply awesome relationships, we want to reallocate Time Tour. We're spending more time in the relationships we most enjoy. This starts by scoring our current relationships, whether they be bad, mediocre or awesome, and then determining how we're gonna reallocate those relationship time investments. This is gonna allow us to spend more of our time with people we enjoy and more time doing the things we love Most start awesome relationships, take action, make Mawr things happen and be something that plant seeds relationships that might not grow right away but grow over time And as you do this and as you implement this, keep track of this with your implementation checklist. Notice how things improving your relationships. And by all means, please make sure to comment on those and share those with us as you make progress. 9. Examine Your Time Investments: Now let's talk about creating more time for fun in your life. Now this is fun by your definition, not anybody else's definition. And what we want to do is consider a few different labels for the activities you're engaged in. Either They're fun, they're bad. They're just not enjoy. But all where there waste of your time and what we want to do is have you as much as possible. Invest more time in the things that you enjoy by your definition that I keep things real simple. All we're gonna look to Dio is drop certain things and add other ones. There's three basic steps to create more fun time. First, identify what you like doing. Confirm what you don't like doing and replace what you don't like with what you do like now I know that's kind of mind blowing, but this is one of the things that many people don't do. It doesn't need to be difficult. I'm gonna suggest you don't over think this. This is not about what somebody else thinks you should be doing. This is about what's fun for you. This is all about your time. Outside of work now you might have quite a bit of time. Perhaps inside work were you doing things you don't enjoy? And you might even have some time outside of work where you're doing things you don't enjoy , but in order to have your life bees enjoyable as possible and also to set yourself up to eventually be a four day workweek worker or possibly entrepreneur. Eventually you need to really value your time outside of work and be able to take control of it. Make the most of it. So in this very simple first exercise, what we're gonna do is look at where you're investing your time by looking here, most common activities and simply labelling. Which activities do you do that are fun? And how many hours a week do you do that? Look, how many hours per week do you invest or spend wasting time doing things that really aren't that fun? Maybe you're just tired and you're watching bad TV or doing something that's rather reactive and you don't really have fun with it. And what are the things you do that it really just bad? They're just not enjoyable. I encourage you to take the time to actually do the exercise, write this out and get clear about what are those things 10. Do More Things You Enjoy: then the next thing to do is decide that you're going to make 12 changes over the next 12 weeks or even 12 months to how you invest your time labeled. 12 activities you'd like to change indicate how many hours per week you're currently invested doing these things. Maybe it zero. Maybe it's too many. And how many hours would you like that to be? Indicate the change in the hours you'll be investing here and indicate Where will you reinvest those hours? You might say I'm no longer going to do activity. A. I don't enjoy it as much. I'm gonna now do activity be instead to do activity, see whatever it might be, but get very clear because there's math involved here. If you're freeing up five hours, you're not gonna get to do 10 hours of new things. There needs to be a correlation for this to work and be sustainable. And then, in each of these cases, set a target date for when you're going to do that. As with all exercises, I encourage you to pause and take the time to do this again. This program is not so much about me philosophizing for you. It's more about me helping you understand what you need to do, create the life you most desire 11. Improve Your Weekly Schedule: now do you have your game plan? Let's look at a few different ways. You can create more fun time. First, is this simply live longer? Hopefully with better health, so you can enjoy that. Second is to work less by spending less, because if you spend less probably you don't need to make a much to be able to enjoy and sustain your lifestyle. Turn your work into a vocation, so take something that maybe isn't as enjoyable and have some more fun in your work. It might not mean you enjoy every moment of it, but you can certainly enjoy more of it. Waste less time. Simply spend less time doing things that really aren't is important to you. Reduce your obligations. If there's things that you are committed to, that you're really not wanting to be committed to explore those. See how you could re negotiate or get out of those situations and create something better. And in the final thing, probably most powerful thing that I've seen is to change your weekly habits and schedule. As somebody who lives in Florida, an area of the world, that many people, I would like to live in, it constantly kind of amazes me. How many people will spend an entire year doing things they don't want in order to have a week of vacation? Hopefully turns out right. It's that similar pattern that has people work for 30 to 40 years doing a job they don't like hoping that when they finally retired, they'll enjoy it, even though they have less time, less energy and probably less health. And that's if they make it that far. So what I encourage you do is look at your weekly schedule and see how do you currently spend your time now? Usually, I'm not a fan of going into a lot of depth and our by our analysis, because kind of drives me nuts, to be honest. But if you're looking to free up time, this is no different than you. Looking at a financial budget, see, what do I need to look at? What I need to shift to make things different. So I encourage you to take the time to complete the schedule, to show what's your current default week? What's it normally look like? Because our habits, our week in, week out way of living is what normally impacts how we invest our time the most, and then next create your most desired schedule. What would you like to have it look like? And again, this is assuming it's exactly the way you'd want it. You might not be able to get there right away, but we need to get clear about what you're aiming for if we have any chance of hitting it. And then finally, on an ongoing basis, create an in between step that allows you to say, OK, I want to go from point A to point B in my schedule, but in between, any to create a step that allows me to get a little bit closer to point B. I might not get there right away, but will get me a little bit closer so that, over time, on a week by week or month by month basis, usually month by month, his death. So you get four weeks to establish a habit. You start shifting your schedule over time, maybe even just 1 to 2 hours a week, but you lock in those shifts, so currently you do certain things the way you want. But you have, let's say, 20 hours that aren't the way you'd like. And for the next month you make one ship. So now you're down in 19 hours of things you don't like, or maybe 18 hours. If you shift two hours, make that a gradual process again. It's not necessarily something that requires a lot of thought, but it does require the disciplined actually simply do the work and maybe even disciplines the wrong works. I'm not a real disciplined person, but it requires you understanding what's at stake. What's so exciting about your more desired schedule that it's worth letting go of something that's less important. So as you look to create more fun time, do all the exercises, identify your best time investments, identify your mediocre time investments and your worst time investments and create a scheduled to progressively over time, reallocate how you invest your time, complete your current weekly schedule your desired weekly schedule and start creating on at least a monthly basis a plan for you to get from one scheduled to the next in increments over time. If you have any questions in this, please let me know. As always, I'll afford helping you create the lifestyle you most desire So you can make more money in last time, do what you do best and create the lifestyle for you, your loved ones and your family that you most enjoy. Thank you. 12. Investing, Trading or Spending?: Now let's focus on freeing up some more money for you to play with. We'll help you make more money available to you to invest and plays you desire by really making better choices with how you use that money. Now I'm gonna oversimplify the conversation on money and say that there's really only three things you can do with money. One is to invest it two is to trade it and three is to spend it. And what we want to do is as much as possible have as much of your money going into investments, things that pay off for you in some way a little bit of it, going into trades when necessary and absolutely as little as possible into expenses. Now, let me give you some quick definitions is I'm gonna define them That will help you understand this. When you give somebody something, you don't always get something back of equal return investment is gonna be something as I define it that gives you back more than you put in a trade is gonna be something that gives you back something of equal or similar value and expenses give you back less in return. So Ideally, we want to be able to be investing as much as possible, and we want to have that for big, long term growth. So if I'm a farmer, I'm in invest money and time into my crops. If a former lines with laws of nature that investments usually gonna pay off an effective employers invest money and time and their people and if they align with the loss of business, those investments usually pay off effective parents invest money and time and also energy and love and their Children. And if they align with loss of life, that works out as well. So most great investments pay off over time, but not necessarily right away. So there's patience that's required for success. In addition to investing, sometimes we're gonna need to trade for supplies or materials and are things now an effective farmer is gonna trade money for raw materials. It's more effective for them to buy the materials from someone else than to try to make them themselves. Farmers really make money in the farming business, not in the raw materials business. So while it might seem great to save costs and try to get the lowest cost for their materials by do it themselves. They really don't need to do that. And in fact, when they're negotiating, they don't have to get the lowest price on the trades either. In fact, they want to make sure their suppliers stay in business and make a profit as well. So trades are meant to be win, win and they're necessary and they're a good thing. An effective employer is gonna trade money for supplies and materials. The effective employer will invest in people in their future and demonstrate compassion and training and coaching and developing and really put something into the person. And they'll trade for things. When employers trade money for people's commitment, and that's all they're giving. Usually the return on that is very low. The commitment is very low. But the employers who invest time and people and also invest money in people get the best results over time. So as much as possible, we want to invest in people, we want to invest in proven systems, and we want to trade for things. Finally, we want to spend as little as possible. Effective farmers spend money on almost nothing crops that are likely to fail eventually end up his expenses. Crops that the market does not wish to buy, end of his expenses and anyway, ultimate leads to a loss of money is an expense. And some things will appear to be investments but unfortunately will end up proving to be expenses now effective employers spend money as little as possible as well. Failed investments eventually are considered to be expenses, as with the farmers, but it's not always easy to see that an investment will end up failing. This is why it's so critical to avoid spending on known expenses. So spending is another word for wasting toe waste of money. We want to avoid things that we know we're gonna turn out to be expenses never intentionally spend. That is waste money or time again. That's different than perhaps giving of your time or having a loss leader that you believe might turn out to be investment that drums up other business. But when people talk about costs of acquisition and you know I'm gonna spend more than I make in because maybe I'll make it up in the long run, usually that does not end up to be a good thing. So What we want to be able to do is invest big, trade little and spend nothing. We want to invest as much as often as possible in high quality people like yourself in projects and causes. We want to trade when necessary for high quality goods needs and raw materials. And we want to never intentionally spend or waste or money or time. If you know it's an expense, avoid it. Why would you spend it when you can invest or trade? And so on A personal spending standpoint, this might be something that you know, just decreases in value. The menu by its that latest fat. It's that thing you know you're not going to need in a month or two, but you buy out of impulse. Those are the things that can hurt you as well, so sometimes you won't know until after, and you'll have to learn from your mistakes. But again, if you know it's gonna be an expense, it's best if you can avoid that from the get go. So let's look at some examples of investments, trades and expenses. Investment. Investing in yourself for personal growth or a gym membership might be some instant investment if it actually gets used. Emergency savings, retirement savings, college savings, prepaid college. Those might be investments. A student loan might be an investment in yourself. If it's going to help you get an education helps you further development or some other objectives you have supporting a charity education. Our cause. Giving the gifts were paying it forward might be an investment in your community or the people around you. An example of a trade might be the rent for your home utilities for your home car insurance , home insurance, car payments and gas, healthy food, your telephone line, life insurance, health insurance, entertainment, vacation, recreation and hobbies. So these are things where you give of your money, but you're getting something back, and so that's a pretty good thing. And then there are expenses, addictions, bad relationships, unused items or unused memberships, unused insurance that you didn't need, credit card interest over priced car or any over priced item, junk food loan interest, tax penalties, late fees and bank fees. All of these are things that hurt you financially and really don't offer any game for you in your life. So where is your money going? Which of your outflows are investments which are trades in which our expenses in the exercise for this section, what we're gonna do is ask you to indicate what investments you're making and how much that's invested per month, where the trades you're making and how much money is going there per month. And what expenses are you making and how much you wasting per month? Take the time to really go into this in depth. If you need to consult your credit card statements for your bank statements. Your Quicken. However, you do things and make sure this is accurate because this is one of the best areas, we can very clearly make it gain without having to do extra work by simply cleaning up inefficiencies that are hurting you. You have any questions on this exercise? Please let me know. Put it in the comments section below. There's always a look forward, helping you make more money in less time. Don't you do best, do this exercise and we'll see you in the next video 13. Your Money Optimization Plan: Now that you've identified your top expenses, trades and investments, what we want to do now is start freeing up some money. What I'm gonna ask you to do is identify 10 changes you can make to free up in the next either 12 weeks or 12 months. And to be really clear, these could be areas where you taken expense and get rid of it. You taken expense and reduce it. Maybe you transform an expense into a trade. Maybe you reduce the trade or get a better deal in that there's a lot of different ways this can happen. But what we want to do is indicate what's that outflow? Whether it's a investment, trade and expense, how much money is currently going there per month? And how much money would you like to see going there instead? Then you'll indicate, What's that change in the amount of way that's going there? And where you gonna put that money instead? So you might say I haven't expense that's going in a certain area, and I'm gonna change that to an investment. We're gonna change that to a trade, and then what's the target date for that? This is a very clear and simple exercise, but the results of it will make a big impact on your finances. If you really put in the time to do this, feel free to pause the video now to do this. So as a final follow up, in order to free up the money for you to play with, we want to make sure, as we've covered in this module that you identify your investments, your trades and your expenses. And then you create a schedule for you to free up your money to play with. And then, once you've done that, make one significant change per week or per month and track how those results go. Please share your results in the comments below. You don't have to share the exact money amounts, or you could do that if you like, or simply share with us. From a percentage standpoint, what kind of impact this is making for you as always, afford helping you make more money and last time, do what you do best so you can create the lifestyle you most desire for you, your loved ones in your life. Thank you 14. Score Your Things: Now we're gonna turn our attention to your possessions, how you can use your things without them using you and make them work for you rather than you working too hard to support them. We're gonna define things in three different ways. They're either assets, their liabilities or they're time wasters. And what we want to do, of course, is have as much as possible that your possessions, your things, are assets and as little as possible that they're time wasters for liabilities. So real quick definition on the three of them from a lifestyle and a wealth perspective. Assets make you money, make you happy, or make your life better time wasters Cost your time and give you nothing back in return and liabilities cost you money or happiness or quality of life or a little bit of all three . With a clear definition of assets, liabilities and time wasters, we can now appraise the possessions you currently have and see how they impact your 10 primary wealthy areas. And so assets will be things that in some way support one or more of these areas in your life. Toward the net effect is a positive impact. Time wasters for the most part, won't make a significant contribution, and liabilities will actually hurt each of these areas. So when we do this, we're gonna use a positive one for all the positive situations. A zero if it's a time waster or a negative one. If it's something that is a liability in that particular area, and as we total them up, we'll end up with a score somewhere between a positive 10. For sort of the ideal asset. A zero would be really just an absolute time waster, nothing really bad coming from it financially, but no gain from it and a loss of time and a liability being something that hurts you in these different areas. So let's look at some examples here. If I have an oversized car, maybe it helps me get my family members in there, which is great, and maybe it's fun, but maybe it costs little more toe. Have that between the gas and the upkeep. So it's a it's a plus one. It's not really that big of a positive thing for me. It's helping me a little bit, but not much. If I have a debt free car, it's supporting all these different areas of my life because it's performing for me. It's not required me to put more money into, at least in the ownership of it. An unused education will cost me. It's not that fun. It takes away my money. It takes away my ability to grow my career and to give to others if I spend the money on the education but do nothing with it. And yet in education that is used for benefit of others and to create impact and income in the world would possibly impact all these areas. An overpriced house hurts just about every one of these areas, and some could argue all of them. And so in each of these cases, these investments can not only hurt you once, but they can hurt you multiple times. And that's perhaps the difference between a one time expense. It's a bad decision and something that keeps causing you to have to pay or invest money into it. So the first thing I want you to do now is to write down your five biggest liabilities and these air possessions or financial commitments. Maybe it's a group of membership doesn't have to physically be a thing. But if it's something that's ongoing as opposed to an expense, something that really is costing you and indicate in each of those primary wealthy areas, whether it's a plus or a minus as far as how it impacts you once you've done that, score you most costly time wasters. So this might be something that you spindly spend a lot of time on, and nothing comes from it. It could be a specific thing that you do. You put money into it, you put time into it and nothing really comes back from it. But you just find that you could have done something better with your time and then score your most valuable assets the five most Bible assets. What did those look like? What are those things? Because identifying those as well as the other categories are gonna help us to determine where we want to invest more and which of the things that are truly assets for us and which are not. And then finally take time to score any other high investment things that you have. So maybe there's some things you've invested a lot of money or time into their not yet on this list, then I suggest you put them here as well. So in each of these four steps, I've kind of gone through quickly in the video. But feel free to pause or go back and complete the exercise on each of these, and that's going to set us up for the next part of our exercise. 15. Optimize Your Things: Once we've gotten clear about what's an asset, what's a time waster and what's the liability? Then we can start doing something about that. We could increase our assets by investing more in them and in similar things like that. We can eliminate are time wasters or possibly convert them and assets. If they can turn out something that's positive and we can eliminate our liabilities or again perhaps convert them into assets or something positive. Now I want to see if I can optimize my things is a simple example. Let's say I have an oversized car and I've appraised it and it's barely a little bit more than a time waster Now, this might depend where Matt let's say, live in the city and I don't really have to have a car, so I'm gonna eliminate the car. I'm gonna take that off of my expenditures. It's not gonna be something I take care of. I'm gonna do it in a different way. That would be one way could do it. But let's say I was converted into an asset. What would that look like? Well, it might not be that I turn into an asset, but I could have it be a less expensive time waster. I could get a smaller and more economical car, and maybe that takes my score for my one to a five. And I said a target date for what? I'm gonna do that. So whether or not it actually eliminate it or convert it would depend on how I want to do that. Now I might have, let's say, a new home that's overpriced when I've done the math on it, and I realized it's more than I want to spend and I've done my appraisal score. It's a negative seven. I want to convert that. But I still need a place to live. So I might need to wait for real estate prices to drop before I switch. Or maybe I'd sell it now. It all depends on how you would do it, and again I could move that from a negative score toe a positive score. But that might take a couple years because the nature of this thing this home, is that it might not be able to be sold right away. So these air different ways you can make shifts, and what we want to dio is look at one of the things in your life that you'd like to either eliminate or convert. And for this exercise, find 10 things and do the same thought process. What's the thing? The appraisal score? Should you eliminate it or convert it? And if you converted, what would that look like? What would you need to do? What would the new score be? And what's the target date for you to take action on it? Now, this is something that for some people can be very difficult to let go of things. Most of things you have, unless they're left to you from, ah, family relative or something that's really important. You usually you can replace him at some point with something else or something similar. So take this step by step, take one of the time, but make your list. And once you've done that, go ahead and start eliminating or converting one thing every week or every month, depending on how quickly you want to do this. So overall for the monitor, what we've done is we've scored, are liabilities are time wasters and our assets we scored All are in high investment things , and now we're creating a plan to optimize our things. And we're start implementing that once a week or once a month to start creating, ah, lighter way of relating with assets and just is the final piece on this. A lot of these things, you might say, Wait, I have a boat. I really enjoy my boat, but it costs me too much. Well, maybe you sell the boat, and then maybe you rent a boat once in a while or maybe share a boat with somebody else and find a way to do that. So it's not about missing out on life. It's not about saying that anything that's a material possession or thing is a bad thing. It's about seeing which of the things you use on a regular basis, so to go back to the boat. Example. If use a boat every weekend, well, then that probably is an asset for because it costs less for you to own it. That would view to rent. On the other hand, if you own a boat and the costs are such that would cost you 1/3 to rent it for the amount of time you use it, then you're probably better off renting it. So this is not a value judgements not say what's good or batter, right or wrong. It's about finding what's the use of these things that allows you the most amount of freedom, the most amount of time to enjoy them for the least amount of expense and the least amount of financial commitment? I hope that serves you has also. If there any questions, please put it in the comments section below. Please share your progress in the comment section and let it me know whatever I could do to help you. As you make more money and less time, do what you do best. Create the lifestyle. Most desire for you, your loved ones in your life. Thank you. 16. Relationship Mastery Milestones: Hopefully you've had a chance to make some great changes and shifts in your life with your money, your time, your relationships and things. One of things I like to help people understand is an idea of what it looks like when you're really on top of these things. I like to call mastery milestones. So we've talked about optimizing your life outside of work in each of these areas. Here's what it would look like if you are on top of these areas in your relationships area . So these are examples that I found our true for May years might be slightly different and encourage you to go with the flavor of them rather than worried about the letter of the law . So the first thing is having 30 minutes a day to develop and nurture your relationship with God, spiritual practice or just to have quiet time. Whatever works for you not trying to sell you on any particular brand or anything for that matter. But just having quiet time downtime to get centered, get in touch, and in order to do this, you want to be able decide that that's something you do on a regular basis. you can indicate on the tool. Do you want to do this? What's your target date for doing this? And then what's the status on that? As you progress, each one of these is going to be part of a checklist for you that you can use or you can create your own. The 2nd 1 is to have time and attention for at least one family gathering per week. Now again, don't know your exact family situation, but if you have family nearby, if you have the ability to get together, just making that time to be fully present for a few hours and really just able to do that so you can enjoy that part of life. It might not be what you want to do every day, but certainly could be something that helps you connect with your loved ones in a deeper way. Time and attention for one social gathering each week. Now this again, you're number might be more than one depend on your situation and how you like to handle your life if you're like where I've been a times where we have kids and sometimes it's hard to get out one a week can be awesome, could be a huge difference. Was ones a whole lot better than zero? So some of these things might seem almost simple or two basic to plan. And yet when they don't happen, it can make a big difference in the quality of your life, time and attention for one romantic date or similar event each week. Again, If you're not in a romantic relationship and it don't want to be no problem, just go do something fun. But if you do have that desire to be in one where you are in one making time for something that is either in that relationship or making room for that relationship time and attention to be present for family meals, at least for one hour a day same thing goes whether that's family, the people you value, they don't have to be blood related. Whatever is that? The people that you consider your loved ones making time for that? So your present on a daily basis again, this is another milestone of master. You don't have to do these, but these are things that, if you do well, usually make your life a lot better. Time and attention to be present with your family members at least one hour per day or your loved ones. That's just being present. Doing something, whether it's playing a board game or just talking listening. It could kind of be watching TV show together. But if the majority the focus is on this show and not with each other, chances are there's a piece that you might be missing out on regular monthly or, even more often, forgiveness process or practice to maintain your health and to just to heal. So these are things and again, not trying to force personal growth on you. Little late for that. If you're in this module ha anyway, just the concept of letting go of things, not because some spiritual tradition told you to or some religion told you to, but simply because it's been proven that holding on to anger, holding onto resentment, holding onto pain is not good for you. So this again is a practice that not only helps those around you, but also helps you as well, contacting your important long distance relationships at least monthly. Now, this is where tools like Facebook or Instagram, or however you like to connect can be very helpful of just keeping in touch with people that maybe you've known from years ago. I know for me, being able to keep in touch with my friends from high school to Facebook has been a pretty cool thing. I don't post all the time. I don't post a whole lot. But just being able to maintain those relationships has provided the continuity and a good sense of staying in touch with people. And sometimes I go to cities that I haven't been to and a friend lives there that haven't seen in 20 years. We got to go see them when I visit. So staying in touch with those torture relationships, Number 91 of my favorite ones having almost zero time or no time in organisations or companies that you don't respect or believe it. There's something that's so awesome about knowing that when you're investing your time that you want to be there, you're with a group of people or organization or whatever it might be. Do you believe in their cause and what they're about, and knowing that you don't have to do that is really just so awesome. And right now we're talking before even address your work, though that could be one of those organizations. But being able to do that really gives a different flavor to your life, a different sense of knowing that you're doing what you want to do and what you're all about. And then, finally, less than one hour per week with people or groups you don't wish to see now for some people you might have an exception for family might say, Wait, you know my wife's family and my husband's family what it is, I don't really love him, but I love my husband. I love my wife. And so I want to make sure that I shook for them. So again, not always perfect, but really minimizing that and having that toe where you're not having to spend a lot of time in situations and groups and organizations with people you don't want to be with your nurturing the relationships that you most value. I hope you find this helpful. Use this checklist as a way for you over time to track how your progress is going. It's in some ways so simple, but also so powerful. If you make it happen, I would find this helpful. Please share your progress or any comments or questions yet below. There's always afford helping you make more money and last time do what you do best so you can create the lifestyle and the life he most has died for you, your loved ones and yourself. Thank you. 17. Time Mastery Milestones: now that you've done some of the exercises to start working towards freeing up more time for the activities you enjoy, let's look at what it might look like for you to be mastering this area and we talked about in this program. We're looking at all four of these areas, and I've got some ideas for you of what it would look like to really be on top of this completely. Now. My definitions might not be your definitions of mastery. I invite you to create your own if mine don't help you. But what I think you'll find is that you could get clear about what you want. It's likely it will happen. And so the first mastery milestone is to get enough sleep to be happy, energetic and wake without an alarm. So waking without an alarm is actually a indicator that your body just natural wakes and is ready to go. For most people, that takes about 8 to 9 hours for this to happen now, as I said at the bottom here, if you're a truly energized and happy most of the time and you get a little bit less that cool, But if you're getting a lot less than that. Chances are you might not be performing optimally. You might be making poor decisions. The people around you might teacher had that experience before. So anyway, if you decide to do this or track this, you can track it. See what a target date is for you to make this happen and then keep on track of your status . The second thing is 30 minutes a day for prayer, meditation, spiritual practice. If that's something that works for you now, some people do more than that. Certainly, meditation has grown in popularity, and there's all sorts of varieties of it, some arm or spiritualists or religious issue. If that's a work and some of them, or just about focusing and breathing in and out, there's a lot of different ways you can do it. Most people find it centers them, helps them make better decisions and keeps them more alert. I know for me it does 30 minutes a day for exercise or yoga or some sort of physical activity again, this depends on your flavors. Some people, like hard running or hard cardio exercise like that are weight lifting some people before simply walking or doing yoga, but something that engages your body, your physical dimension on a daily basis that keeps it working, moving and active 30 minutes a day for personal rack, lax ation and enjoyment. And this could be anything. This could be you doing nothing. This could be you watching mindless TV or playing video games or whatever it might be. But time to just relax and to be and to not have to do something to not have to perform but just be present. Another thing would be to have 30 minutes a day for reading, learning, listening to music or playing a musical instrument. Any of these things that involved some sort of activity of you engaging your brain. But then also having a paste with that's not really crazy, not fast paced. You're not doing work something that's still leisure but engaging your intellectual or your mental dimension less than one hour of undesirable activity per day. So that means hopefully including your job, but definitely outside of your work. You're not spend a lot of time doing chores or access things that take up too much of your time as much as possible, reducing those and having a beach where you get to have more of your time, don't. We'd like to do at least one day a week with zero chores, errands, work or obligation, so hopefully that becomes two or three. But at least one of those days where you're not working and you're not doing chores, you're not just leaving your office or your business and then going home and working. You actually have a day when you can fully rest. Relax less than one hour per day of TV, video games, social media, electronic devices. That's something that will keep you able to do the other ones above here. Because if you just get caught up in number eight of just reactively reacting to devices and being on that, you're gonna find you don't have the time for the other activities. Time for three relaxed meals, hopefully, 30 minutes or more without pressure or deadlines. Again, these air mastery milestones you might not choose to do these. You might have different ones. It might take you a while to get here, but imagine if three times a day you had a meal and you had 30 minutes and you relaxed it was in a rush. Be pretty cool, wouldn't and then finally, 60 minutes a day for friends. Family romance. In other words, just time to be with the people that are most important to you. So these are my suggestions for your mastery milestones for optimizing your time again, Feel free to create your own list or use the list that we have in your workbook and uses a checklist to implement this and create a better life for yourself. As always, look for helping you make more money and less time doing do best so you can create the lifestyle you most desire to enjoy with you, your family and your friends. Thank you. 18. Money Mastery Milestones: in the money section. We looked at different ways to free up more money so you can better enjoy. Now let's look at what it would be like for you to really master this area throughout the program were addressing these four areas and I'm giving you some suggestions of what it would look like if you were totally on top of these. You don't have to use these suggestions. You might decide to take some of them, but I want you to see this as a way to set some goals that in the long run you can keep on top of that will help you greater. Enjoy your life outside of work as well as your family, your friends in your life. So the first milestone it is simply have enough income to pay your bills and live within your means and also save 20%. So 20% is a number used to be 10% that people would say, and 20% the number that most people say. If you want to be able to have enough money set aside for emergencies to comfortably retire and different things, that 20% number to be able to Dio. And so if you want to engage this as a goal, you can decide if yes or no, you do. You want to do this and what your target date and maintain your status updates over time. Second thing is zero credit card debt. That means your balances air paid off each month and you're not paying credit card interest when you're paying credit card interest. Of course, that's costing you a really huge amount, and when you're not doing that, you're basically getting your rewards points. If there are, and making its simplest possible to work with your debt in a manageable way, keep your credit scores up, but not create a situation that's hurting you. Third, having an emergency savings fund equal to six months of your take home income, We never know when things are gonna happen. Job changes or unfortunate events. One of the best practices from the financial point industry, which is part of where I come from insurance and financial planning, is to be able to have at least six months of your income set aside. So in case something happens, you don't have to go to expensive credit card debt or other areas to take care of that fourth have personal income protection. And that's really a what's called a disability income insurance policy. At least the United States. That's what's called equal to 70% of your income or more on what that means is that's a type of insurance policy that if you're unable toe work, it will eventually pay your income for you. Now it might have a waiting period of 30 days or 60 days or 90 days, or depend on how the policies worded. But what it really comes down to is, if you're unable to work, it will pay you, so you replacing your income and your income. Your ability to generate income, which is one of your greatest assets, is not lost completely if you're injured or unable to work. Fifth, if you have a family and you want to make sure your family is taken care of and their lifestyle and the ability to do that what I like to call family income protection or life insurance equal to 10 to 20 years of your income and again, I have an entire career's worth of information, wisdom and knowledge on this. But the simple version is if you're a parent and your kids or let's say two and four, and you want to make sure that if something happened, you they'd have your income available at least until they're in their early twenties. Let's say maybe till they're done with college. If that's a goal, then you might want 20 years of protection. And all this is about making sure your income is there. If something happened, it's not something you hope for but again knowing that it's there. If something happens, there's a great way to be on top of your finances and know your loved ones were taken care of Number six. All the debt you carry, if any, has an interest rate under 5% and your credit scores 800 plus now, you might not want to be using a lot of credit, but when use credit, it's nice to be able to get the lowest rates. So by no means mine. Advocate of building up credit just to build a credit score that accidentally gets you hooked and then ended up paying credit card interest. But if you could really be on top of things, then you can be able to access credit at lower rates if and when. That's something that's wise for you to do. Seven. Have a monthly budget track your expenses. Would software and review on monthly basis whether you look at Quicken or meant or any other services out there were just if you just keep with pen and paper, whatever that is, just making sure you know where your money is going to make sure you're not investing or spending on things that aren't important to you. Eight. Being able to travel and enjoy life comfortably according to your priorities, so some people travel more than they save up things. In my case, my wife is from Peru. We've lived down there at different times for months at a time, sometimes years at a time, and having the flexibility to do that has been more important than us. Building up person, a lot of physical objects. Now again, if people like buying physical objects great for them, as long as you could do it in a way that allows you to still live your life the way you most want to Number nine. Being able to comfortably give to charitable and educational causes you believe in. You don't have to do that, but again, if that's something you want to do, it's always nice to be able to give when the time comes around, when you just feel that desire to support a cause that is important to you and then 10 Building net worth toe Afford Your educational goals for your loved ones were to pay for your educational goals if you have the desire to get greater levels of education and then also ability to retire at your same lifestyle to be really clear if you follow any of the work. Ideo I'm not an advocate of actually retiring. I do believe it's awesome if you have enough money that you can afford to retire so you can work as many hours as you want or not, or if you decide that the work you want to do is volunteer work. So you have that money there. But as far as actually retired and stop being moving on, just stop thinking. Stop engagement people stop participating, start being stopped being part of a community that's been found to be not something that's healthy for people and at least the United States the average life expectancy of a male is two years after he retires from work if he retires completely. So this is something that again is just as much about health. Is this finance? But certainly being able to do it and be able to all these things really reflects a level of mastery that even if you're not a millionaire or a billionaire or whatever, it might be that you have the ability to live life on your terms and do the things you most enjoy. So I invite you to take this part of the workbook and start tracking it. If you want to make slight definition changes to the goals here, do so. But of all the different sections on master milestones, this is probably the one that's most almost just cutting dry. This is what most people want to be able to do for a certain reason. Most of these things being able to keep credit card interest in being able to have insurance if you need it being able to afford to retire for most people, these air goals, they're going to serve you if you're able to do them. I hope this helps you If you have any questions for comments, or if you want to share your feedback in your progress, please put it in the comment section below. And it's always a little for helping you make more money in less time. Do what you do best she and create the lifestyle in the life you most desire for you, your loved ones and your friends. Thank you. 19. Mastery Milestones for Your Things: in this program. I've talked to you about the idea of having you be able to enjoy your things and use your things without them using you. Let's look in this mantra. What do it look like? If in the eyrie of using your possessions and your things, you're able to truly master how you leverage them without them really leveraging you. So the first milestone is if you have a house and then if a car is necessary in your part of the world, wherever you're from is easily afforded in your monthly cash flow and still allows you to live your most desired lifestyle. So that would mean that your car is not too expensive. Your house is not too expensive in such a way that it's causing you to work four more hours and you might need to, And with these milestones, you can track them as to check off whether or not you want to do this. In the workbook, you can set a target date when also track your status. When you complete that, the second thing and again, if you're in a different part of the world where you don't keep a car, you ride a bicycle or do something different, or you live in the city and you don't use a car. Sure, some of these things might not apply, and you can create your own. But the second was to keep your vehicles for a long period of time, usually 10 years plus to minimize the ownership costs. Or if you have a better arrangement, you might say, Wait, I work for a small company. I have my own company. And because the tax benefits better, the lease depends on the year, the tax bracket, all those details. Great, but creating a situation where you're minimizing your costs to own and really to actually use your vehicle, which very often is getting from point A to point B, you might say, Wait, I'm gonna look to just uber everywhere or whatever it might be great. That too. Third, less than one hour a week, servicing or maintaining items now dishes and laundry unfortunately, might take longer than that, though. If you can avoid having to us, that's great. But servicing physical items, in other words, having to fix things, things that are broken where that sort of stuff we're having a wash your car. If you can have less than one hour a week of doing that, you really getting to enjoy your things without them. Putting you two extra work number four items in clothing not used within the past 12 months or given away simply because it's one more decision to make, as Mark Zuckerberg would say, just leads to some decision fatigue. Believe it or not, Number two that it might be something that simply could benefit other people. Number three just might need the space in your closet. Whether it's from a de cluttering standpoint or you like Fung shway, you need room for the energy on the cheetah. Move around whatever works for you but being able to have in a situation where not keeping stuff you're simply not using Number 52 You're waiting, at least whether it's two weeks or three weeks or four weeks for one week. £2 your finance situation, but waiting before you purchase any item that is just brand new to you or that's an impulse purchase. Now, certain things might be time sensitive, and if you say wait it it's a small purchase. I can more than afford it That's great talking really more about these purchase that a large purchases that you just maybe couldn't afford if you make a poor decision. So if somebody looks to say, Would you like a shake with your hamburger? That's probably had a huge financial decision, but certainly with bigger ones, that might be the case. Number six. No need for storage units outside the home. And if you have a garage or basement or any area like that where you store things, or an addict that that's accessible and usable, Number seven that you patiently purchase expensive items at an ideal time. So if it comes to appliances, electron ICS, you might say, Wait, I'm gonna wait until Black Friday. That's if in your in United States have in other parts of the world, you might wonder what Black Friday is. Or maybe sadly, it's reached your part of the world. But it's certainly good time to buy things. If you know what you want and get the best discount on or holiday sales, or just times when you know that you can pay less for something that you already knew, you're gonna have. Obviously, that frees up money for you and makes it easier to lighten your ability to buy the things. But also it indicates you're not so attached to think that you have to have it right away. Number eight. All of your photos and any important computer data is securely and automatically backed up online. This is so huge in our digital era, being able to move around and travel can be awesome. But if you lose all your data, your photos, your what not, That's not so great. Something happens. Being able to know that that's there is pretty cool Number nine. The ability to evacuate your home, an emergency situation with your precious items in five minutes. So think about it going back to number eight. If all your photos, everything else is backed up and something happens. Earthquake fire, whatever might be in your situation, you need to leave knowing that there's only a couple things that you really would want to grab that you have to grab because everything else is either something that you're okay with. If it broke or you've got it protected, or you simply have a battle line again as far as the photos and whatnot and then number 10 minimizing your environmental waste recycling as often as possible weekly in your area. If they do that and the decluttering on a regular basis, usually about every 90 days to make sure that things you have again reflective of what you want, the more you have things more space in it for them, the more you have to pay for space for them, the more you have to work for that space. For them, it is just this huge cycle of having to work more for something that maybe you don't even use. So I hope you find this helpful, these mastery milestones for optimizing your things. You have any questions or feedback or comments on this sharing your progress. Please put him in the comment section below. As always, look for helping you make more money in last time. Do what you do best she and create the life in the lifestyle you most desire for you, your friends and your family. Thank you 20. Program Results: if you've made it this far in the program. Thank you. And most importantly, congratulations. It's been shown that less than 10% of people finished a course that they start. So just getting this far is a huge accomplishment and demonstrates you're likely to see high results than most people who have been signed up for this, much less the people who haven't even decided to take this on. I want to do as much as I can't support you in your growth. And I've done that in the program. I want to also know what results you've gotten so I can help you move forward. So what I'm gonna ask you to do is in the exercise in the workbook. Look at your four areas of the relationships time and the money and things, and choose three things for each of those areas where you've made progress. And for each of those results achieved. Look at how did that result Possibly impact your time? Nerds did free up time for you. How did impact your financial situation, your money and how did it impact your happiness? And for each of those right out, as much as you can get clear about the benefit you got from doing this work to reinforce it for yourself. And then also, I'm gonna ask that you share that with me, that you send me an image to wade at four day workweek dot com and shared me the results that you've gotten as a result of the program. I don't want you to over exaggerate. Want you to be completely honest. I want to know how I can make it better and a lot of the other areas where I specifically ask you for information on how I can do that. But I really want to find out how I can best serve you. And if you do that, I'll have something special for you. So thanks again for getting this far in the program and really seen it through at all steps . If you have any questions in any of this, let me know. Drop me a line and let me know how I can help you. Further as I help you make more money and less time, do what you do best to create the life you most desire for you and your loved ones. Thank you. 21. Case Study 1 - The Teacher and the Executive: Do you ever feel like you're working way too hard to make something happen like you're struggling and it's just not working out for you. I want to tell you a very simple but powerful story about somebody I know that ran into that and how they were able to address it all centers around creating a lifestyle that we most want and how much we have to wait for it. We're not wait for it. So a lot of us have been raised to believe that everything takes hard work. Now I want to be clear. Most things that are worth doing at some point do require hard work. Usually you've got to break the gravity of some situation, get out of habit or rut and make something happen. But not everything that's worth having takes a whole lot of effort forever. More importantly, delaying gratification in and of itself is not always the best answer. Sometimes it's necessary to wait to get what we want, and sometimes we can have it pretty much right away. If we shift the way we see things, tell your story about a teacher and a young executive. I know so the young executive was working at a company doing pretty well financially, probably making about twice as much as the friend the teacher was making. The executive had a goal toe live on the beach, and the young executive was looking at the property values and thought, OK, if I saved my money and do the math, Probably by the time I'm 50 I can live on the beach And this young executive was 25 at the time. The young executive has his 25 year plan toe live on the beach and in the meanwhile the young executives living in a smart part of town. In other words, there's good property values that property's gonna praise. And then that probably gonna praise. And then he can use that money eventually by another property. And he's putting aside money in this for a one K, and he's saving. His mutual fund is doing all these different things to get him so he can eventually live on the beach. They're responsible. He's coloring within the lines he's doing. All the things that most people teach do is putting aside 10% his money, all good things, things that we want to dio so one day the teacher hasn't get together. Teacher says, Hey, I have to get to get a little party first a small group of people in my place. If you want to call on over, come on. And so the executive gets the address and goes there and is shocked to find that the teacher is living two blocks from the beach. Doesn't understand. How is this possible, but pretty quickly able to figure it out. Teachers living in a one bedroom studio apartment. Not a huge house, but the teacher is single. Digit doesn't need a huge house, and the teacher might not be in looking right over the ocean, but the teachers two blocks away. And so, in less than five minutes, the teacher could be on the beach every morning if they want teachers making about half of what the executive is making. And the teacher has already achieved what this young executive wants to achieve. See, he really wasn't concerned with owning the house on the beach. He really wasn't concerned with whether or not he got property or the value of the property , or that he could afford a house on the beach, he wanted the experience, simply put, wanted to be able to live on the beach or near the beach close enough that he could go and experience sunrises, lives on the East Coast, wants to be able to see that when he can be on the beach, walk on the beach to all these things without having to get in this car and drive 45 minutes like he currently had to. And so it was just a very simple conversation of looking at. How is this person the teacher so focused in so clear about exactly what they want? They go right for it versus the executive who kind of knows what they want, and they have got a very specific visions. Gotta look a certain way. And yet, with a slight shift in the vision that executive was able to then later live on the beach when he wanted to and have multiple times living on the beach in different parts of the world, I happen to know I'm that executive. Once I found out my teacher, his friend was doing that I was able live on the beach in Florida and in Lima, Peru, were my wife's originally from and just different times. I've never owned a place in the beach. Still don't own a place in the beach, but I was able to experience it. I shock her, rented what a concept and was able to do that. And so something is simplest gain really clear. What I most wanted kept me from the countless mistakes I made, including trying to make too much money to cooking the stock market, losing a bunch of money by trying to force my ability to earn the right to own that place on the beach. But again, I wasn't really looking to own the place on the beach. Just wanted to be near the beach. And so now, at different times, I've spent a little over four years of my life, you know, five years of my life living on or near the beach and really have enjoyed it, and now I don't live on it. I live right near it's a few minutes away, and so this is just a simple sense and understanding of sometimes things we are looking to do aren't that difficult. So when I talk to you about creating a four day workweek lifestyle, I want you to understand. I'm not looking to make this this huge rocket science project where you need to become a doctor or a surgeon or something like that to make enough money and make this happen, I'm gonna be showing you fundamentally sound ways to get what you most want. Now you might say, Wait, I don't even want to work Four days My kids are in school, so I want to simply be off the days that my kids are often I wanna work that my days my kids were in school. Well, hopefully if you're doing that, you might have already figured out that Hey, being a teacher or being in the administration at a school might be one of the answers that helps do that, if that's specifically what you want or you could start your own business. But in all of that, you'd also want to make sure that if you're a teacher, let's say to use that example that you made enough money so that when summer comes around, you don't have to get a second job and you can actually take the summer off. So a lot of this is about just getting very clear about what you want and making it very possible toe happen by understanding precisely what you want and not getting caught up in anybody else's definition, even your own definition or vision, what it needs to look like. I hope you find this story helpful. Want to make it very clear you don't have to be a brain surgeon or a doctor to make this happen and have this huge lifestyle? You also don't have to be a beach. Bummer. A surfer to make it happen and live in a shack next to the beach. There's there's in betweens. There's ways. Whatever you're looking to accomplish that is possible. You know, it's funny. So many of my friends who are Beach Bible players already have created something very similar to a four day workweek lifestyle, and it just amazes me that it's so easy for them to do it because it's on their radar. That's what they're focused on. And then so many my executive friends. They're making 35 10 times with some my beach viable buddies were making don't have the lifestyle they want. So again, this is not about money. It can be about money and again. More money. Cool, Always a good thing. But overall, this is about you getting clear about what you most want to create for you and or your loved ones or your family to enjoy the life you most desire. 22. Case Study 2 - The 20 Hour Pair of Jeans: When you were 20 hours to get a pair of jeans, I asked this question to one of the young adults. I was working with it a runaway shelter. Many years ago. I was working on my master's degree in mental health counseling psychology. I worked with the kids who were in the addictions management program and some of the kids with anger issues. So one of the kids I was talking to this day was tell me his troubles, how he didn't have enough money to get some cool stuff for his girlfriend and then have some fun outside as well. And so asked him said, Well, tell me something. You got some nice new genes, Their high C yap said, Did you? Did you your five finger? Those that meant Did you steal them? So? No, no, Mr Wait, I didn't steal. Okay. Are there any sales going on? No, Mr White. Okay. How much do those jeans cost? Jeez, costs $100. Okay. How much do you make per hour? Think the number was some around 6.5. $7 an hour. Whatever it was, this is quite a few years back. 20 years ago. Okay, Well, how much you should make after Tax. And we figured that it was about $5. Again. I'm rounding it to make life simple here. So I said, OK, so if you make $5 an hour, how many hours does it take you to get $100 pair of jeans? Oh, man. Mr Wade said, Yeah, You just work 20 hours. Dude, that took your entire week just to get your one pair of jeans. You have no money to take your girl out. You have no money to buy the cool stuff. All of this for this pair of jeans that you didn't even really want in the first place. I hadn't heard him talk about the gene before. High. He don't really like the jeans. You thought they were kind of a cool He wasn't sure, but it is kind of almost on a dare like you can't afford. This is where I can afford those genes. So Okay. So basically, you just spent 20 hours your life on something. You really don't care about that much. You got no money to get roses for your girl. You got nothing else going on and all of that is because you weren't clear about what you most wanted I don't want you to think about is what are your $20 pair of jeans? Not your dollars, but the hours. What are the things you're buying costing you in time? And so this is one of the things that I was able to make a connection with years ago as I was studying so many different authors. Everybody from Henry David throw the dude who went toe Waldon and just live deliberately in the woods and reading books like Die Broke and Live Rich and some of the other books I read and just trying to get a sense of Okay, what is it that I'm really trying to dio and how much time does it take? So as an entrepreneur, if I can make a certain amount of money, I simply need to make enough money to afford my lifestyle. Once I could afford my lifestyle for the month. I don't work anymore, But every purchase I make that I don't really need means I usually have to work more time now. If you've got truck loads of money, it doesn't matter to you than cool, but a lot of us, we say, Okay, wait, I make a certain amount of income for months. So after that, I've got a really hustle for stuff in. In addition to that, most people is small business owners and entrepreneurs or even employees. Usually there's a certain amount of money that we can make pretty easily either. If you're an employee, maybe seamount, you already get paid. It's your salary versus, let's say, sales commissions. If you're an entrepreneur, maybe it's sort of your steady or business that, you know you can bring in a certain amount. And then after that, you really have to hustle. So it might only take you 20 hours a week to maintain your your steady business income if you're a solo preneurs or an entrepreneur or a small business owner. But if you go a lot above that the night you've got to start hustling, working way extra hours. So when you look at any sort of expense, when I look at a car payment, I don't see let's say it's a $500 car payment. I don't see $500. I see a certain number of hours So when I used to make $25 an hour, I saw $500 car payment as 20 hours of my time. Now did pay what you make might not matter. If you make $500 an hour, you might say, Wait, that's an hour of my time for my car. No problem. It all depends where you're at. But the question becomes, Do you really want to invest that amount of time and you start realizing very quickly that you do have a limited amount of time? There's only a certain number of hours available to simply live. In addition to that, if you're operating in a certain level of income, a fixed type income or income that doesn't change very much once you go beyond your expenditures. Once you go beyond what you're making now you're building up debt and that debt is earning interest, and sometime in the future, it's going to steal time from you. So in all of this I want you to just start considering when you're looking at that purchase that you're not sure about making, how many hours is going to take you to earn that and do you really want it. And if you start thinking about this with every purchase you make, especially the big ones, the house, the car, you know it's so easy to get so caught up in. I want this and this is the greatest car on this and that. But as somebody who routinely keeps cars for using at least 10 years, I can tell you the sexiest thing about a car to me is no payment. That's awesome when it's working and there's no payments. And of course it's It's kept nice and kept clean, but no payments are awesome. And so in all of that, I encourage you to look at your expenses and see what it's caution you in time and each one your expenses. If you let's say, use Quicken or one of those Softwares to track where you invest your money, Look at those And don't just look at my expenses costs me this amount. Look at it. Is it worth it? If you make $10 an hour after taxes and that DVR feature cost you $10? Okay, well, that's an hour of your time. If those premium channel cable channels cost you another $50. That's five more hours of your time. If you got a happy hour and you get three drinks for 30 bucks, that's three hours your time just to get those three drinks. Now, I'm sorry. If that creates a buzz kill for you, that might just to take away all the effect of the three drinks. But overall, just look at when you're making a purchase and doesn't represent what you want to invest your time in. So people say, you know, time is money. Well, diverse money is time. And so, making sure that especially you, commit toe longer contracts such as home or loans or car loans that you're getting involved in, something you really want to commit to versus and you know what? I'm not sure. Maybe I'll rent it for a little bit. Maybe I'll try it and see if I really like it. Or maybe I'll get a lease of a car at a small amount, see if I really like it. Maybe I'll rent that car. I thought, I wanna drive this certain carmaker rented for a weekend, and even if it costs a bit for the weekend, I'll see. Do I really like this car that much. I'm willing to invest this much all the time. Just toe have that. So I hope this serves you hope you start seeing things like the dude in the Matrix Neo when you start seeing things, I hope when you see things, not only do you see the price tag but you also see the time Tak, what is it going to cost you to afford the things that you most want?