What Are You Investing In?

I’m going to cheat a little on this post. I’m going to use it for both of my blogs. Honestly, it applies to both.  In case you haven’t checked out my other links before, I have a Personal Finance blog and a Personal Growth blog. This post covers both topics.

Right now my wife and I are travelling to a camp near Colorado Springs. When all is said and done, this extended weekend trip will end up costing us around $3000. But I don’t view it as a “cost” actually. It’s an investment. We are heading to an intensive business retreat that is being held there. I will be meeting together with a group of fellow, like-minded, entrepreneurs there to work on our businesses together. There will also be “professors” there who will be covering various topics on how to grow our businesses. I expect to have my “investment” returned many times over the course of the next few weeks and months as I put into practice the things I learn at this event.

So what are you doing with your money? Are you just spending it, or are you investing it? What areas of your life could you use some help in? Find someone who is an expert and invest with them.

P.S. If you have a business or have thought of starting one, you can find out more about the group I am involved with at Free Agent Underground.

The Question Behind the Question

QBQ Book CoverLate last year I attended a Financial Counselor program put on by Dave Ramsey’s team at his headquarters in Brentwood, TN. While we were there, we were given many great gifts throughout the several days of training. One of the gifts was the book QBQ by John G. Miller which Dave highly recommends and is required reading for his team. It’s a rather short book really, but it is PACKED with great information. It’s a very easy read and I highly recommend it to anyone.

The subtitle is “What to Really Ask Yourself to Eliminate Blame, Complaining, and Procrastination”. What it really boils down to is practicing personal accountability. I know that’s probably not what you wanted to hear. Everyone is looking for that magic bullet to help change “the other guy”. The reality though is that there is no such thing. The only person you have any power to change is yourself. The good news though is that by changing yourself, you will begin to influence change in those around you. You’ve got to start with yourself though.

The main point throughout the book is that you have got to stop looking at what went wrong, or who was responsible, and instead focus on what can I do to improve the situation. By taking this approach, you will gain the respect of those around you. If an entire organization enacts this policy, it will become a force to be reckoned with. Most businesses, churches, and other organizations could benefit greatly from this principle.

The example from the book that struck me the most had to do with a server at a Rock Bottom restaurant. The author had stopped in for lunch. The place was packed and he was in a hurry, so he grabbed a place at the bar. He had been there a few minutes without being served when a server carrying a tray of dirty dishes hurried by. The server suddenly stopped and backed up to ask if Mr. Miller had been served yet. He said he had not and that he just wanted a salad and some rolls. The server told him he could take care of that and what would he like to drink. Mr. Miller asked for a Diet Coke, but all they carried was Pepsi. Mr. Miller politely declined the Pepsi and said he’d just have a water with lemon instead. The server then left and reappeared shortly with his order, and just as quickly disappeared again. After a short period of time, the young man returned to Mr. Miller carrying a frosty bottle of Diet Coke! Later the author discovered that the server had explained the situation to the manager and had requested to be able to run to a nearby store and retrieve a Coke, which he had then done. He had even paid for it out of his own pocket!

Now, this young man was actually not even responsible for this area of the restaurant. He could have just said, that’s not my job and gone on about his duties of clearing his tables. Or he could have helped Mr. Miller, but laid on the blame for the server who should have been there. But he didn’t do any of these things. Not only did he provide expedient service, but then he went above and beyond the call of duty just to serve the author with his favorite frosty beverage!  Not surprisingly, many visits later, this young man was no longer a server. He had been moved up the ladder into management.

That is what personal accountability is all about. Don’t lay blame. Don’t do the minimum required. Go above and beyond the call and super-serve those around you. I guarantee you will feel better about yourself, and who knows, a little of that might even rub off and change those around you.


Welcome to our log home photo

Photographer: Pat Kullberg

Welcome to my latest blog. As I’ve pursued my new Financial Coaching business, I’ve come to realize how important continuous growth and improvement is to me. I am constantly analyzing my behavior and actions to try and do better the next time I encounter a situation. I’m always reading books that are designed to help me improve at the things I do and that are designed to create growth in me. I tend to associate myself with people who can help and encourage me in that growth.

Some of the areas I like to focus on are first and foremost my relationship with Jesus Christ. If I improve in that area, I know everything else will follow because that is the nature of being a true follower of Christ.  Additionally I try and improve my relationship with those around me, my wife, my children, my friends, and my acquaintances.

Lately I’ve been spending A LOT of time focusing on how to develop a business based on serving others. I’ve discovered a great group of people online that are helping me in that area, and I will be meeting with them soon at an intensive event in the Colorado Springs area to go even deeper in that.

Through all of this, I’ve decided that it might be beneficial to me and to others to blog about this and share my experiences with others. Hopefully through my experiences, others can find growth, and maybe they can share back with me some of the things that they have learned.

So, be prepared to learn along with me, and PLEASE comment and share back. I look forward to interacting with everyone. I will try and keep this light and fun as well as insightful. I hope to include plenty of the resources that I have encountered along the way through book reviews/summaries as well as links and references to some of the people and sites that have contributed as well.

Most of all, please be patient with me, because I’m Still Not There.