Four Components of a Wealthy Life — Part 4— Continual Improvement

  1. Learning constantly
  2. Identifying and replacing limiting beliefs
  3. Carefully choosing your associations
  4. Managing your environment

Learn Constantly

  1. During your commute, listen to educational audio programs, podcasts or audio books. (No extra time, but this turns your commute into a classroom).
  2. Do the same thing when exercising. Multitasking is really a myth, but by and large, the brain can do a physical activity that requires very little cognitive capacity, and still process educational content effectively. Working out to a well rehearsed exercise routine and listening to education content go together like peanut butter and chocolate.
  3. Turn off the Computer, TV, tablet or smartphone at least an hour before bed, and replace that time with reading. Tim Ferris recommends not reading educational content before bed, however I have found biographies of noteworthy people to be both educational and edifying, but not challenging to comprehend.
  4. Use mealtime to educate. I state this with a big caution that if you’re eating with other people, your relationships with them are more important than learning the latest investment strategy. If, however, you are eating by yourself, this is a time I pull out my smartphone, click on my YouTube app and watch the latest suggested Tony Robbins or other educational or personal development content is in my feed.
  5. Block out at least 30 minutes everyday to study. This is where you crack open the physical books, and spend time at a desk reading. This is not entertainment novels, but educational and personal development content. This is where you take notes, ponder and even meditate on the information you are trying to internalize. If this isn’t a current practice for you, then this will require replacing other activities with the study time, but it is well worth the investment.

Identify and Replace Limiting Beliefs

Choose Your Associations Carefully

Manage Your Environment

  1. Analyze your environment for distractions and remove them.
  2. Clean out your cabinets, closets and drawers.
  3. Get rid of junk food and poor nutritional food choices in your home.
  4. Pack your gym bag and keep it in the passenger seat of your car, or layout your exercise clothes on your dresser before going to bed if you workout at home.
  5. Create a separate area for study in your home, that is free of electronics.



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