Part 1 - Life - Lessons From My 20s by Ryan Allis

Lessons from my 20s

Part I:

LIFE

Lessons from my 20s

PART I, Section 1

GOALs

THE IMPORTANCE OF GOALS

VERY FEW PEOPLE ACTUALLY WRITE DOWN

THEIR GOALS

THE IMPORTANCE OF GOALS

FEWER STILL PRINT THEM OUT &

FRAME THEM

THE IMPORTANCE OF GOALS

In my experience Those who write down & FRAME THEIR GOALS ARE THE MOST EFFECTIVE HUMAN BEINGS AT CREATING A BETTER WORLD

THE IMPORTANCE OF GOALS

WHEN YOU WRITE a goal DOWN your subconcious BRAIN BEGINS TO MORE actively think about bringing into your life

THE PEOPLE, RESOURCES & KNOWLEDGE YOU NEED TO ACHIEVE your GOALS

THE IMPORTANCE OF GOALS

WHEN YOU know what you’re up to In the world your mind can naturally Filter opportunities to find those that

Match your goals

I STARTED WRITING DOWN MY GOALS AT 16

I STARTED WRITING DOWN MY GOALS AT AGE 16 in the year 2000 AFTER MY MOM GAVE ME THE BOOK THINK AND GROW RICH

I STARTED WRITING DOWN MY GOALS AT 16

THE FIRST EVER GOAL I wrote down at age 16 was “BUILD A COMPANY TO $1M IN SALES BY 21”

I MISSED MY FIRST BIG GOAL

I MISSED THIS GOAL By 18 days I TURNED 21 on August 14, 2005 iContact reached $1M in sales on September 1, 2005

I STARTED WRITING DOWN MY GOALS AT 16

I wouldn’t have even come close To achieving this goal had I not Written it down WRITTEN GOALS ARE INDEED POWERFUL FOR FOCUSING THE MIND

REFLECTING ON GOALS

I’ve been AMAZED AT WHAT I’VE BEEN ABLE TO SEE, and EXPERIENCE and HOW LIFE HAS BEEN ENRICHED SINCE I BEGAN WRITING DOWN GOALS AND THEN PURSUING

THE HECK OUT OF THEM

REFLECTING ON GOALS

HERE ARE JUST A FEW OF THE THINGS in life I’ve been able to achieve In my twenties due to writing down my goals

And then pursuing them

What’s happened in my 20s due to writing my down GOALS Age

Goal Achieved

21 23 25 26

GREW icontact to $1M in sales Raised $5M in venture capital Series A round for iContact Raised $40M in venture capital Series B for icontact icontact reached 300 employees and $50M in annual sales Joined united nations foundation Global entrepreneur council Got to Meetworld leaders like ban ki moon, kofi annan, bill clinton, barack obama Sold icontact for $170M to a public company Started impact investing firm Connect VENTURES Visited kenya, Uganda, rwanda, egypt, ghana, Invested in off-grid electric in tanzania Got into harvard business school Invested in spacex, change.org, lendingclub in Silicon Valley Completed year one of HBS MBA in boston Started Connect in san francisco FINISHED Losing 50 pounds (205 ! 155) Started meditating daily Connect passed 1 million users

27

28

29

Building icontact

Leading an amazing executive team

JOINING THE UN FOUNDATION GLOBAL ENTREPRENEUR COUNCIL

Co-chairing Tech for obama in 2012

ATTENDING HARVARD BUSINESS SCHOOL

ANYTHING IS POSSIBLE

NEARLY ANYTHING IS POSSIBLE THAT YOU SET YOUR MIND TO AND WORK HARD AT

FOR 10 years

An EXAMPLE

AS AN ExAMPLE HERE ARE

MY current GOALS

1 Year goals

GET CONNECT TO 2M MONTHLY ACTIVE USERS RAISE SERIES A FOR CONNECT GROW HIVE FROM 80 TO 300 GLOBAL MEMBERS PUBLISH EVERYTHING I’VE LEARNED BY 30 MEDITATE OVER 300 TIMES (6X/WEEK) VISIT ARGENTINA & ENGLAND

10 Year goals – by 2025 100m people use connect to stay connected built hive into a global community of people working to create a better world with 10 Profitable locations traveled to over 50 countries exploring perpsectives on Human potential and spirituality Published a book on creating a better Life, Company, & world Built a relationship with an amazing life partner Become an extraordinary father

LIFETIME GOALS

Live a joyous, happy, and fully alive life Be an extraordinary partner and father Create a profitable hive in 1000 cities BUILD a global community of extraordinary people working on creating a better world

Never limit your dreams

My friends.

Do not limit your dreams.

A quote

“Dream no small dreams for they have no power to move the hearts of men.”

- Johann Wolfgang von Goethe, German writer

Write down your goals

Here is a 12 step process YOU Can use FOR WRITING DOWN

YOUR GOALs

Writing down your goals

You can do this 30 minute exercise right Now Or put a time on your calendar to

Come back to it

GOALS EXERCISE

GOAL SETTING PROCESS 1

OPEN UP GOOGLE DOCS

2

CREATE HEADINGS For 1 YRs, 10 YRs, AND LIFETIME

3

THEN WRITE DOWN 5 TO 7 GOALS IN EACH CATEGORY MAKE EVERYTHING FIT ON ONE PAGE MAKE SURE ALL GOALS ARE MEASURABLE SO YOU’LL KNOW IF YOU GOT THERE OR NOT

GOAL SETTING PROCESS

4

PRINT OUT TWO COPIES

5

SIGN THEM

6

FRAME THEM

GOAL SETTING PROCESS 7

PUT ONE FRAME IN YOUR BEDRO0M

8

PUT ONE FRAME AT WORK

9

SHARE YOUR ONE-PAGER WITH A CLOSE FRIEND

GOAL SETTING PROCESS 10 11

12

DEC 26-31 CALCULATE RESULTS GREEN = MADE IT YELLOW = 50%+ there RED = 95%; Carbon dioxide under 350 PPM; Homelessness in Oakland, CA down by 80%

4 min

HOW MIGHT YOU MAKE THIS HAPPEN? What can you create/build/do during your life to help make this world that you dream of real? It’s okay if you aren’t completely sure yet. Brainstorm ideas.

4 min

LIFETIME GOALS

4 min

Brainstorm some goals for the rest of your life that align with the impact you want to make. Think about areas of life like health, travel, experiences, adventures, work, finances, relationships, and impact.

10 YEAR GOALS

4 min

Brainstorm some goals for the next ten years that align with the impact you want to make. Think about areas of life like health, travel, experiences, adventures, work, finances, relationships, and impact.

ONE YEAR GOALS

4 min

Brainstorm some goals for the next year that align with the impact you want to make. Think about areas of life like health, travel, experiences, adventures, work, finances, relationships, and impact.

90 DAY Action plan What are the very first action steps you can take over the next 90 days to start realizing your vision? Who should you reach out to? What should you look into? What habits do want to start and stop?

4 min

YOUR DESIRED WAY OF BEING As you go about your journey in life, how do you want to be inside and come across to others? What words do you want to define you?

Examples: Joyous, mindful, alive, focused, driven, ambitious, kind, compassionate, loving

4 min

HOW OTHERS WILL REMEMBER YOU

4 min

People will help you reach your goals if they can remember what you’re all about. If often hard to discern what the people you meet are up to and who they need to be connected to. Make it simple for others you meet to remember what you’re up to by finishing the below sentence and making sure those you meet know what you’re up to in the world.

I will be known in my community as the

_______________________ ____________________

person. Examples: “I will be known in the world as the sustainable energy person” “I will be known in the world as the women’s rights advocate” “I will be known in the world as the global leaders convener”

NOW BRING IT ALL TOGETHER Worksheet!Instruc.ons! On the next page is a blank life plan form.

Give yourself some time to review and reflect on all your answers from the brainstorming session. Then print out and fill in the life plan form with a pen or pencil. Feel free to adjust your answers as you go, but don’t worry too much about getting it perfect.

Consider this form as just a draft. You can print out another one anytime.

There are no right answers and you can re-do your life plan as often as you want. I find just having something written down helps people a lot. I actually recommend re-doing this exercise at the end of each year.

I suggest framing the page after you’re done and putting it up in your office or bedroom.

15 min

Life Plan of ___________________________________ Life purpose

Metrics of success by 2050

How I’ll make It happen

My desired way of being

Lifetime goals

10 year goals

1 year goals

90 day action plan

I will be known in my community as the ______________________________ ______________________________ person. Signed on _______________, _______ 20___

X______________________________________

EXERCISE: CREATING YOUR LIFE PURPOSE

As an example Here is my current “life plan”

In the 1 page format I update it about 1x per year

Example: Life Plan of Ryan Allis Building a movement that creates an abundant, sustainable, and joyous world for all people

Life purpose

1) All people have access to the 6 BHNs 2) 95% energy from renewable sources 3) 0 major conflicts globally as defined by the UCDP

Metrics of success by 2050:

How I’ll make It happen:

1) Build Connect into a global platform for connecting communities 2) Build Hive into a global community of extraordinary leaders who are creating a better world.

Desired way of being:

Joyous, happy, fully alive 10 year goals

Lifetime goals

1.  Be an extraordinary partner and father

1.  10 million people use Connect each day to stay connected

2.  Catalyze a movement that creates an abundant, sustainable, and joyous world

2.  Grow Hive to 10 profitable global locations

3.  Create a Hive in 1000 cities around the world

3.  Train others to hold Hive gatherings

4.  Create the world’s most impactful network of global leaders

4.  Build a relationship with an amazing life partner

5.  Explore widely and be a lifelong learner

5.  Travel widely to explore perspectives on human society, spirituality, and human potential

6.  Live a joyous, happy, and fully alive life

6.  Publish a book on creating an extraordinary life, world, and company 90 Day Action Plan

1 Year Goals

1.  1 million people us Connect each day to stay connected

1.  Hold September 2014 Hive Global Leaders Program

2.  Publish a book about making a difference in the world for initial feedback

2.  Get Connect to 1,000,000 users

3.  Hold 4 Hive Global Leaders Programs in San Francisco

3.  Prepare Connect for Series A

4.  Visit South America for the first time

4.  Meditate daily

5.  Build habit of meditating 6x per week

5.  Travel with Nadia to England

6.  Deepen relationship with Nadia

6.  Publish Everything I Learned By 30 Presentation

I will be known in my community as the global leadership person. Signed on _______________, _______ 20___

X______________________________________

EXERCISE: CREATING YOUR LIFE PURPOSE

Once you have it Share your life plan With five friends & mentors

In the next 14 days

AND GET THEIR FEEDBACK AND INPUT THEY MAY BE ABLE TO CONNECT YOU TO PEOPLE WHO CAN HELP

EXERCISE: CREATING YOUR LIFE PURPOSE

When you meet people you should be able to CLEARLY express

Your life purpose in 15 WORDS or less WITH AUTHENTIC EXCITEMENT IN A WAY THAT moves people WHEN YOU TELL THEM

A quote “Each of us must make the personal choice to be a hero or

not, to be committed to something bigger than ourselves or

not, to go beyond the way we “wound up being” and have

the purpose of our lives and our careers be about something

that makes a difference or not, in other words, to be a leader

or not.” – Werner Erhard

Lessons from my 20s

PART I, Section 3

VISION

A POEM on life “Short this life is, just one I’ve got, finite in tenure, whether I like it or not. Dead is embracing fear, replacing dreams with ‘I cannot.’ Alive is taking a new step, having a shot. I will do the impossible, I will change the world, I will give hope to a despairing nation, I’ll give bread to a starving girl. I’ll break all the records, I’ll do what’s never been done, I’ll give and know love, I’ll be a billionaire of fun.

What will you do with today, this hour, this minute? Will you fill with dull and fear or will you live it? I will not tolerate any foe no matter weapon or munition, especially if that foe is within me in the form of fear or lack of ambition. Short this life is, just one I’ve got. Finite in tenure whether I like it or not. As sure as the eagle I will fly, ’cos I choose, I choose to live until I die.” - A.E. BALLAKISTEN

VISION

Great leaders Have a clear purpose And a clear vision of the world they are

Working to create

VISION BOARds

let’s start by talking about

VISION Boards

VISION BOARds

When GOALs & DREAMS BECOME VISUALIZED THEY BECOME ONE BIG LEAP

CLOSER TO BECOMING

REAL

Vision board exercise

VISION BOARDS

VISION BOARDS ARE WHITE POSTER BOARDS COVERED WITH CUT OUT IMAGES OF WHAT YOU WANT TO SEE IN YOUR FUTURE AND THE WORLD’S FUTURE

MY 2009 VISION BOARD

A Friend’s 2014 Vision board

VISION BOARD CREATING PROCESS SEARCH FOR & PRINT OUT AT LEAST 5 IMAGES IN EACH OF THE BELOW CATEGORIES

FAMILY HEALTH EDUCATION TRAVEL Adventure

CAREER FINANCIAL QUOTES VALUES ART

VISION BOARD CREATION PROCESS

ONCE PRINTED & TORN OUT CUT tO SIZE THEN PASTE OR TAPE ONTO YOUR VISION BOARD THEN SHARE IT WITH A FRIEND AND HANG IT IN YOUR BEDROOM

VISION BOARD REFLECTION

HOW LONG HAS IT BEEN SINCE You’ve created a vision board?

DO YOU STILL HAVE IT?

VISION BOARD REFLECTION

WHAT ARE THE INSTANCES IN YOUR LIFE IN WHICH You’VE SEEN INTENTION

TURN INTO REALITY?

BUCKET LISTS

BUCKET LISTs ALLOW YOU TO CAPTURE YOUR DREAMS THEY ARE another way to

CREATE YOUR FUTURE

BUCKET LISTS

YOU CAN CREATE THEM AS A LIST OR EVEN BETTER PUT THEM UP ON YOUR WALL WITH

POST-IT NOTES

BUCKET LISTS

YOU SHOULD UPDATE YOUR BUCKET LIST ONCE PER YEAR NEAR YOUR BIRTHDAY OR THE LAST 5 DAYS OF THE YEAR

BUCKET LISTS

HERE’S MY LIFETIME

BUCKET LIST

MY BUCKET LIST "  HELP create a JOYOUS, SUSTAINABlE, and ABUNDANT WORLD "  Take CONNECT PUBLIC ON NASDAQ "  BUILD AN INVESTMENT FUND THAT INVESTS in SOLVING MAJOR HUMAN CHALLENGES "  CREATE A GLOBAL COMMUNITY OF EXTRAORDINARY PEOPLE WORKING TOWARD CREATING A BETTER WORLD

MY BUCKET LIST

" FINISH MY MBA FROM HBS " WRITE A BOOK ON HOW TO LIVE A PASSIONATE, MINDFUl, HEALTHY LIFE " SOMEDAY WORK IN PUBLIC SERVICE " SOMEDAY LIVE ON ANOTHER CONTINENT

MY BUCKET LIST

#  BUILD A COMPANY TO MORE THAN $1 Billion in SALES #  CREATE OVER 1 million jobs #  Visit 100 countries by age 50 #  CLIMB MT. KILIMANJARO AND REACH UHURU PEAK

MY BUCKET LIST

"  DRIVE on NEW ZEALAND’S HIGHWAY 6 "  DRIVE on THE CARRETERA AUSTRAL IN CHILE "  HANG GILDE IN RIO DE JANEIRO "  Attend The Clinton Global Initiative

MY BUCKET LIST

"  TRAVEL TO SPACE on VIRGIN GALACTIC "  MEDITATE WITH DEEPAK CHOPRA "  BE A GUEST ON THE DAILY SHOW "  SEE A CIRQUE DU SOLEIL SHOW

MY BUCKET LIST

"  SPEAK IN FRONT OF 100,000 people "  GIVE A TED TALK "  ATTEND THE WORLD ECONOMIC FORUM "  JOIN THE UN FOUNDATION BOARD OF DIRECTORS

MY BUCKET LIST

"  BE A HUSBAND WHO EMPOWERS MY WIFE TO ACHIEVE HER WILDEST AND BOLDEST DREAMS "  BE A FATHER WHO INSPIRES HIS CHILDREN "  WATCH EVERY DISNEY AND PIXAr MOVIE WITH MY KIDS

RELATIONSHIP BUCKET LISTS

IF YOU ARE IN A RELATIONSHIP TRY CREATING A BUCKET LIST OF THINGS YOU WANT TO

DO TOGETHER

Nadia and my bucket List

Bucket list exercise

CREATING YOUR BUCKET LIST

NOW, GO AHEAD GRAB SOME POST-iT NOTES OR OPEN A GOOGLE DOC AND START MAKING

YOUR BUCKET LIST

CREATING YOUR BUCKET LIST

WRITE DOWN ALL THE AMAZING EXPERIENCES YOU WANT TO HAVE OVER THE REST OF YOUR LIFE

AND DREAM BIG

BUCKET LISTS REFLECTION

WHAT IS THE MOST EXCITING THING You’VE DONE IN THE

LAST YEAR?

BUCKET LISTS REFLECTION

WHAT IS THE MOST EXCITING THING You’VE DONE IN THE

LAST 10 YEARs?

BUCKET LISTS REFLECTION

WHAT IS THE MOST MEANINGFUL THING You’VE DONE IN THE

LAST YEAR?

BUCKET LISTS REFLECTION

WHAT IS THE MOST MEANINGFUL THING You’VE DONE IN THE

LAST 10 YEARs?

BUCKET LISTS REFLECTION

WHAT ONE THING, iF YOU DID IT in your life WOULD BE EXTREMELY MEANINGFUL

TO YOU?

Lessons from my 20s

PART I, Section 4

NETWORKS

PEOPLE

WHO YOU SURROUND YOURSELF WITH

IS WHO YOU BECOME

PEOPLE

SURROUND YOURSELF ONLY WITH SMART, COMPETENT

& POSITIVE PEOPLE (Life is too short not to)

SELECTING YOUR FRIENDS CONCIOUSLY

YOUR FRIENDS DETERMINE WHO

YOU BECOME

SELECTING YOUR FRIENDS CONCIOUSLY

YOU SHOULD ONLY SPEND TIME WITH

FRIENDS WHO INSPIRE YOU

SELECTING YOUR FRIENDS CONCIOUSLY

IF YOUR FRIENDS Don’t INSPIRE YOU THEN

FIND FRIENDS WHO DO!

BE INTENTIONAL ABOUT THE PEOPLE IN YOUR LIFE

DON’T LET CHANCE DETERMINE WHO’S IN YOUR LIFE

What carnegie knew ANDREW CARNEGIE’s EPITAPH SAYS “Here lies one who knew how to get around him men who

WERE CLEVERER THAN HIMSELF”

BE INTENTIONAL ABOUT THE PEOPLE IN YOUR LIFE

IT MIGHT TAKE 5 years to completely change up THE PEOPLE SURROUNDING YOU BUT IT IS ABSOLUTELY WORTH IT

What I LOOK FOR IN MY FRIENDS

Joy Compassion Intelligence Passion Purpose

Intentionally SEEK OUT AMAZING FRIENDS Chosen Friends

Random Friends

vs.

An ordinary life

A high impact life

BE INTENTIONAL ABOUT THE PEOPLE IN YOUR LIFE

IF YOU Don’T LIVE IN An INTELLECTUAL CENTER

CONSIDER A MOVE

TO AVOID MEDIOCRITY

TO AVOID BEING MEDIOCRE YOU MUST SEEK OUT PEOPLE

WHO ARE NOT MEDIOCRE AND HANG OUT WITH THEM

Your EDUCATIONAL NETWORK

YOUR UNDERGRAD & GRADUATE SCHOOLS ARE CRITICALLY IMPORTANT NETWORKS SO PREPARE WELL AND GO TO THE ABSOLUTE BEST SCHOOLS YOU CAN GET INTO WHILE AVOIDING GETTING INTO MOUNTAINS OF DEBT

Your EDUCATIONAL NETWORK

THESE schools have some Of the best networks So if you can, attend for undergrad, Grad school, or take an exec program at •  Harvard •  Stanford •  MIT •  PRINCETON

•  Penn •  Columbia •  Yale •  BROWN

•  OXFORD •  CAMBRIDGE •  LSE •  uchicago

Your EDUCATIONAL NETWORK

KNOWLEDGE IS CRITICAL SO IF YOU CANNOT GET INTO OR AFFORD THE BEST SCHOOLS THEN STILL TAKE THE BEST COURSES FREE

On edx or COURSERA

Your WORK NETWORK

YOUR COMPANY IS YOUR MOST IMPORTANT NETWORK

SO CHOOSE YOUR COMPANY VERY CAREFULLY OR BUILD YOUR OWN

Your WORK NETWORK

WHY DO PEOPLE SPEND 832 WEEKS IN SCHOOL THEN SPEND

Lessons from my 20s

PART I, Section 11

MONEY

The middle class versus the rich “Individuals in the middle class accumulate more debt as they become more successful. A pay raise qualifies them to borrow more money from the bank so they can buy personal items like bigger cars, vacation homes, boats, and motor homes. Their wage income comes in and is spent on current expenses and only then on paying off their personal debt. So as their income increases, so does their personal debt. This is what we call the rat race.” - Robert kiyosaki

The rich have their money work for them

“The rich have their assets work for them. They have gained control over their expenses (by saving and investing money each month) and focus on acquiring or building assets. Their businesses pay more of their expenses, and they have few, if any, personal liabilities.” - Robert Kiyosaki

WHICH FINANCIAL PATH WILL YOU TAKE?

THERE ARE TWO SEGMENTS OF PEOPLE IN THE WORLD 1

PEOPLE WHO PAY INTEREST ON LOANS AND WORK FOR COMPANIES

2

PEOPLE WHO RECEIVE INTEREST ON LOANS and own PARTS Of companies

WHICH SEGMENT DO YOU WANT TO BE IN?

THE TOPIC OF MONEY

MONEY IS A REALLY IMPORTANT TOPIC

TO UNDERSTAND

THE TOPIC OF MONEY

MONEY IS SIMPLY A STORE OF VALUE WHICH ENABLES TWO PARTIES TO EXCHANGE EVEN IF they cannot barter

YOUR NET WORTH

INCLUDING ALL YOUR SAVINGS, INVESTMENTs AND DEBT WHAT IS YOUR

NET WORTH RIGHT NOW?

AVERAGE & MEDIAN NET WORTH IN THE USA

THE AVERAGE NET WORTH of AN AMERICAN IS

$301,140 Source: Credit Suiss Global Wealth Report, 2013

AVERAGE & MEDIAN NET WORTH IN USA

BUT THE MEDIAn Net worth of AN AMERICAN IS

$44,911 Source: Credit Suiss Global Wealth Report, 2013

ARE YOU AHEAD OR BEHIND? Let’s say your goal IS TO have a net worth of $1M by Age 60 IF YOU start at age 20 and progress linearly you’d need to be at $250k by 30 1000000 900000 800000 700000 600000 500000 400000 300000 200000 100000 0

20

25

30

35

40

45

50

55

60

Money compounds Fortunately, money compounds, so you actually only need to Be at $70,000 in net worth by age 30 to be on track for $1M in net worth by 60 1000000 900000 800000 700000 600000 500000 400000 300000 200000 100000 0

20

25

30

35

40

45

Assumes you save $5,000 per year starting at age 20, and you invest iat a 7% after inflation return

50

55

60

3 Key Lessons about Money

HERE ARE THREE KEY LESSONS

ABOUT MONEY

3 Lessons about Money 1

SPEND LESS MONEY THAN YOU EARN

EVERY MONTH

3 Lessons about Money 2

NEVER GO INTO DEBT FOR SOMETHING THAT

YOU DO NOT NEED

3 Lessons about Money 3

SAVE EARLY IN LIFE AS the law of compound INTEREST HELPS A LOT

OVER TIME

EASY IN THEORY

THESE 3 LESSONS may sound extremely basic YET still so many people Go into debt for things they don’t need and frequently spend more than they earn

THE 6 STEPS TO BUILDING WEALTH

HERE ARE SIX STEPS TO BUILDING

WEALTH

THE 6 STEPS TO BUILDING WEALTH

These 6 steps are easy to Understand but Most people

Don’t do them

THE 6 STEPS TO BUILDING WEALTH 1

Calculate how much you Earn after taxes each month

THE 6 STEPS TO BUILDING WEALTH 2

ENSURE YOUR ARE SPENDING LESS Than you earn after taxes Each month Monthly income after tax

$4000

Monthly spending

$3000

!

THE 6 STEPS TO BUILDING WEALTH 3

PAY OFF all Your DEBT Starting with the highest Interest rates first

THE 6 STEPS TO BUILDING WEALTH 4

Start Saving $1,000 each month (This step, in practice, is often the hardest, yet the most important)

THE 6 STEPS TO BUILDING WEALTH 5

After building up 3 months Of salary in your savings Account, start investing

Start investing $1000 per month as early as you can in life

Do this consistently for 30 years and you’ll have $1 million

THE 6 STEPS TO BUILDING WEALTH 6

THEN USE THE CASH FLOW FROM YOUR INVESTMENTS TO MAKE MORE INVESTMENTS

The six steps to building wealth

1.  2.  3.  4.  5.  6. 

Calculate your after tax income Be sure you’re SPENDING LESS THAN YOU MAKE PAY OFF your DEBT BUILD UP 3 months of SAVINGS Start investing THEN Re-INVEST THE RETURNS

Becoming FINANCIALLY INDEPENDENT

THERE ARE TWO MAIN WAYS TO BECOME A MILLIONAIRE

1) Build a business 2) Or Save & Invest wisely for 30 years

Becoming FINANCIALLY INDEPENDENT

If entrepreneurship isn’t for you… Here’s how to become a millionaire Automatically

1.  Save $1000 per month 2.  Invest it at a 7% after inflation return 3.  Don’t take any out for 30 years

WHAT You’LL HAVE IF YOU SAVE & INVEST Monthly SAVINGS

20 Yrs

25 Yrs

30 Yrs

35 Yrs

40 Yrs

45 Yrs

50 Yrs

$1,000

$0.52M

$0.81M

$1.22M

$1.81M

$2.64M

$3.82M

$5.50M

$2,000

$1.05M

$1.63M

$2.45M

$3.63M

$5.29M

$7.65M

$10.99M

$3,000

$1.57M

$2.44M

$3.68M

$5.44M

$7.94M

$11.47M

$16.49M

$4,000

$2.09M

$3.26M

$4.91M

$7.25M

$10.58M

$15.29M

$21.97M

ASSUMES 7% AFTER INFLATION ANNUAL RETURN FROM INVESTING | ADD ADDITIONAL TIME TO PAY OFF ANY CURRENT DEBT

My journey to financial independence

I was born in 1984. I grew up in a middle class American family. My dad was an epsicopalian minister from pennsylvania. My mom was a part-time social worker from England. Our family earned about $40,000 per year.

My journey to financial independence

I was very fortunate to Have two parents who Supported Me and encouraged me to Follow my dreams

My journey to financial independence

I started my first business at 11 Helping senior citizens in florida use the internet for $5/hour

My journey to financial independence

I started getting into Web development In 1996 when I was 12

My journey to financial independence

At16 (back In 2000) I was a NORMAL TEENAGER GROWING UP IN bradenton florida earning AROUND $3000/yr AS A PART TIME WEB developer

My journey to financial independence

Then I read two books that changed my life and opened My eyes to a whole new world

1. Rich Dad Poor Dad 2. Think And Grow Rich

My journey to financial independence

After reading these two books at 16 I set an ambitious goal to build a Company to $1 Million in sales by

Age 21

My journey to financial independence

From age 16 to 21 I worked extremely hard To make this goal real

My journey to financial independence

At 18 While in college at unc I started Icontact and by 2005 We reached $1 Million in sales When I was 21

My journey to financial independence

We then raised venture capital And hired a strong Executive team and grew to

$50M in annual sales

My journey to financial independence

in 2012 we sold icontact for $170 million to a software company called vocus. I was 27. I decided to go back to school at harvard business school for an mba while working on a new start-up called

connect

Anything is possible

I found that anything was possible if I: •  set my mind to it •  worked really hard to make it happen •  surrounded myself with positive people who helped me Grow & Learn •  Cared about customers & Employees

Creating your financial plan

So that was my story over the last 18 years Now let’s talk about

You

Creating your financial plan

18 years from now, your financial Situation will be a function of the plan you put in place And the actions you take

today

Creating your financial plan

Here’s how to create a basic

Financial plan

Financial plan exercise

You can do the following 30 minute Financial plan exercise now

Or put a time on your calendar To return to it

FINANCIAL PLAN EXERCISE

EXERCISE: Creating a basic financial plan This exercise should take about 30 minutes. You can do it now or come back to it.

1.  2.  3.  4.  5.  6. 

Calculate your current monthly income after taxes Calculate your current total monthly expenses Add up your savings, investments, and other assets Calculate the total amount of debt you have Set a goal for your monthly income and expenses 2 years from now Use these figures to fill out the sheet on the next page

Exercise: Creating A BASIC Financial Plan Financial Plan of __________ Assets

Debts

Net Worth

Present Monthly Income

Expenses

Cashflow

24 Months From Now Monthly Goal Income

Expenses

Cashflow

Signed X__________________________ this ____ day of _____ 20_____

Creating your financial plan

FiLLING out your one-page Financial plan Will be helpful As we move into the next section

On investing

Lessons from my 20s

PART I, Section 12

INVESTING

LEARNING HOW TO INVEST

saving MONEY is the first step Learning how to invest IT is the second

Stocks and bonds

THERE ARE TWO TYPES OF INVEStMENTS

STOCKs & BONds

BONDS

BONDS are loans to other organizations IN WHICH YOU EARN A FIXED INTEREST RATE RETURN

BONDS

BONDS usally pay annual interest Between 0.25% and 15%

BONDS

THE RISKIER THE BOND THE HIGHER THE INTEREST RATE PAID

STOCKS

STOCK is Partial OWNERSHIP of a company Which entitles the owner To part of the profits of a company

STOCKS

WITH STOCKS YOU MAKE MONEY WHEN THE VALUE OF THE COMPANY GOES UP

STOCKS

THE VALUE OF A COMPANY GOES UP WHEN THE Company’s profits go up (or are expected to go up)

STOCKS

THE VALUE OF A COMPANY GOES down WHEN THE Company’s profits go Down (or are expected to go down)

DIFFERENT TYPES OF STOCKS AND BONDS

STOCKS Mutual Funds Index Funds/ETFS Small Cap Stocks MID CAP STOCKS LARGE CAP STOCKS VALUE STOCKS GROWTH STOCKS Emerging Market Stocks options VENTURE capital FUNDS PRIVATE COMPANIES

BONDS Savings Accounts Treasury Bonds Municipal Bonds Corporate Bonds P2p LENDING

HOW TO BECOME A MILLIONAIRE in 30 years

HERE IS A SIMPLIFIED EXAMPLE OF HOW YOU CAN HAVE

$1M in 30 years

HOW TO BECOME A MILLIONAIRE in 30 years

To have $1m in 30 years SAVE $1k every month

AND INVEST IT Assumes a 7% per year after inflation annual return

HOW TO BECOME A MILLIONAIRE in 20 years

To have $1m in 20 years SAVE $2k every month

AND INVEST IT Assumes a 7% per year after inflation annual return

AVERAGE INVESTMENT RETURNS

HERE IS A TABLE OF AVERAGE YEARLY RETURNS BY

TYPE OF INVESTMENT

AVERAGE INVESTMENT RETURNS Investment Type

Approx. Avg. Annual Return

After Inflation (2.8%)

Savings Accounts Certificates of Deposit Treasury Bonds Municipal Bonds Corporate Bonds LendingClub A-d Notes Rental Real Estate Dow Jones Index Fund S&P 500 Index Fund LendingClub E-F Notes

0.10% 1.10% 2.50% 4.50% 6% 8.30% 8.60% 11.10% 11.30% 11.70%

-2.70% -1.70% -0.30% 1.70% 3.20% 5.50% 5.80% 8.30% 8.50% 8.90%

S&P 500 and DJIA is the CAGR for the last 80 years from 1933 until 2013

AVERAGE INVESTMENT RETURNS

PAST RETURNS Aren’t ensured in the future But they are STILL HELPFUL to see

LENDINGCLUB

ONE INTERESTING INVESTMENT OPTION IS

LENDINGCLUB

LENDINGCLUB

Since 2007 LENDINGCLUB notes HAVE HAD an annual average return of

5.5%

AFTER INFLATION AND DEFAULTS

LENDINGCLUB

And Since 2007 LENDINGCLUB “E” and “F” notes HAVE HAD an annual average return of

8.9% Past performance is definitely no guarantee of future performance, yet 8.9% after weathering a big recession in 2008-2009 is pretty good.

AFTER INFLATION AND DEFAULTS

MARKET INDEX FUNDS

The DJIA and S&P 500 Index funds HAVE HAD an annual average return After inflation of

8.4%

Since 1933 Look up these symbols: Dow Jones Index Fund – DIA S&P 500 Index Fund - SPY

INVESTING IN STOCKS

As a rule of thumb Companies are usually worth BETWEEN 5x and 20x their

ANNUAL NET PROFITS

INVESTING IN STOCKS

Net profits is another word for

Earnings

INVESTING IN STOCKS

The multiple of EARNINGS A company is worth Is called a

PE Ratio

INVESTING IN STOCKS

P/E RATIO is: PRICE EARNINGS

INVESTING IN STOCKS Here’s the July 2014 p/e Ratio of A few well known companies COMPANY

PRICE TO EARNINGS RATIO

IBM WELLS FARGO APPLE MICROSOFT BANK OF AMERICA GOOGLE FACEBOOK

12.30 12.74 15.77 16.91 25.25 29.86 97.52

INVESTING IN STOCKS

THE BEST MEASURE OF WHETHER A STOCK MARKET IS OVERVALUED

Is the SHILLER PE RATIO

See multpl.com/shiller-pe/

INVESTING IN STOCKS

THE AVERAGE ALL TIME SHILLER p/E RATIO IS

16.55

INVESTING IN STOCKS

This means that on average since 1890 The average company has been valued at 16.55 times it’s an annual net profits

INVESTING IN STOCKS

AS OF august 2014 the US STOCK market is getting overvalued THE CURRENT SHILLER PE RATIO IS

25.54

THE STOCK MARKET IS GETTING OVERVALUED AGAIN Time to Get Ready for an Historic Crash

Time to Sell

Time to Buy

Shiller PE Ratio for the S&P 500 1871-2014, as of August 9, 2014

INVESTING IN STOCKS

WHEN PE RATIOs ARE over 25 WATCH OUT for a crash

INVESTING IN STOCKS

WHEN PE RATIOs ARE Under 15 It’s time to LOOK AT INVESTING!

ANGEL INVESTING

ANGEL INVESTING IS PURCHASING OWNERSHIP In EARLY STAGE

PRIVATE COMPANIES

ANGEL INVESTING

CHECK Out ANGELLIST & FUNDABLE TO SEE EARLY STAGE COMPANIES

YOU CAN INVEST IN

ANGEL INVESTING

ANGEL investing Is highly risky But if you invest in the right firms

Highly lucrative

MY portfolio Since 2009 I have invested In THESE PRIVATE COMPANIES

MY portfolio

I focus on investing in companies Which are solving Major human challenges That when solved will Make the world a better place

What “going public” means

“Going public” means selling part of a company to investors via a public market like the New York Stock exchange or the nasdaq

What “going public” means

Companies go public in order to 1.  2.  3. 

Raise capital for growth Create a market for their shares Enable employees to gain liquidity for their options

How to properly value a company

THE BEST WAY TO DETERMINE THE TRUE VALUE OF A PUBLIC COMPANY IS TO CREATE A DISCOUNTED CASH FLOW (DCF) FORECAST

How Buffet invests

BUFFET’s investing method INVOLVES UNDERSTANDING A FIRM WELL CALCULATING WHAT HE BELIEVEs THE fiRM IS ACTUALLY WORTH using dcf THEN PURCHASING SHARES WHEN Enough of a margin of safety exists

How Buffet works

WARREN BUFFET IN ESSENCE CREATES DCF MODELS ON EACH COMPANY HE INVESTS IN AND ENSURES THERE’S A BIG MARGIN OF SAFETy BETWEEN WHAT HE THINKS THE FIRM IS WORTH AND WHAT THE MARKET THINKS THE FIRM IS WORTH

BECOMING A VALUe-ORIENTED INVESTOR 1. 

Avoid stocks with pe ratios over 25, unless they have extremely high REVENUE growth (over 50% year)

2. 

Learn how to create a dcf valuation

3. 

Have the discipline to create a DCF valuation for every public company investment you make

4. 

invest only when you have a 30% margin of safety between what your DCF model says the company is worth and what the market sayS

Lessons from my 20s

PART I, Section 13

LOVE

WHAT LOVE MEANS TO ME

Laughter Optimism &

Vibrant Energy

SIX STEPS TO BUILDING A GREAT RELATIONSHIP

TELL THE TRUTH BUILD TRUST BE VULNERABLE GIVE TIME FOLLOW THROUGH

& SHOW CARE WITH YOUR ACTIONS

SIX STEPS TO BUILDING A GREAT RELATIONSHIP

A GREAT WOMAN CAN MAKE A HUGE DIFFERENCE

TO A GREAT MAN

SIX STEPS TO BUILDING A GREAT RELATIONSHIP

A GREAT MAN CAN MAKE A HUGE DIFFERENCE

TO A GREAT WOMAN

SIX STEPS TO BUILDING A GREAT RELATIONSHIP

A GREAT pARTNER CAN MAKE A HUGE DIFFERENCE

FOR ANYONE

The partner you choose makes a huge impact on your life

THE PARTNER YOU CHOOSE TO BUILD A LIFE WITH MAKES A HUGE IMPACT ON YOUR ABILITY TO REACH YOUR POTENTIAL LIVE WITH JOY AND POSiTIVITY

AND TRULY CHANGE THE WORLD

LOVING YOURSELF FIRST

BEFORE you CAN FIND SOMEONE ELSE TO FALL IN LOVE WITH You

YOU MUST LOVE YOURSELF FIRST

BE AMAZING BEFORE YOU LOOK

BECAUSE TO FIND AN AMAZING PARTNER YOU YOURSELF MUST FIRST BE

AMAZING

FOLLOW YOUR DREAMS FIRST

TO FIND A PARTNER WHO IS FOLLOWING THEIR DREAMS You must first be following

YOUR DREAMs

LIVE WITH PASSION FIRST

TO FIND A PARTNER WHO IS LIVING PASSIONATEly You Yourself must first be

LIVING PASSIONATELY

TO FIND A JEDI YOU MUST BECOME A JEDI

TO FIND A PARTNER WHO IS ON THE PATH TO BEING A JEDI You Yourself must first be

ON THE PATH

Yep, MARRY A JEDI

WHEN TWO JEDIS marry ALL KINDS OF CRAZY GOOD SHIT HAPPENS in the universe

HOW TO WIN A HEART

Here’s what I’ve LEARNED SO FAR ABOUt

WINNING THE HEART

HOW TO WIN A HEART

Don’t lead Your partner on (Be open and transparent about your intentions with the relationship)

HOW TO WIN A HEART

FOLLOW THE GOLDEN RULE IN ALL RELATIONSHIPS

HOW TO WIN A HEART

BE PLAYFUL And let the little kid Inside out!

HOW TO WIN A HEART

PUSH YOUR PARTNER TO GET BETTER AND BECOME THE BEST VERSION OF THEMSELVES

HOW TO WIN Ryan’s HEART

GIVE LOTS OF

NECK MASSAGES

HOW TO WIN A HEART

NEVER EVER TAKE THEM

FOR GRANTED

HOW TO WIN A HEART

NEVER STOP BUYING THEM

FLOWERS

HOW TO WIN A HEART

A LONG PARTNERSHIP REQUIRES MUTUAL RESPECT

AND SHARED GOALS

Lessons from my 20s

PART I, Section 14

VALUES

GLOBAL VALUES SYSTEMS ACROSS MANY religion or spiritual traditions a key guideline is to be able to care for others Let’s look at a few global values systems Origin

Concept Name

Description

Judaism

Tikkun Olam

The concept of repairing the world

Sanskrit

Ahimsa

A philosophy of do no harm

Confucian

Li

A set of norms that teaches brotherliness and community

Islamic

Ummah

A perspective on a supranational community

Christian

Golden Rule

A practice of treating others as you want to be treated

South Africa

Ubuntu

A spirit of cooperation between people of all colors and creeds

My CORE VALUE

HERE IS MY CORE VALUE… DO UNTO OTHERS AS YOU’D HAVE DONE UNTO YOURSELF

EXPAND YOUR EMPATHY CIRCLE AND CARE FOR ALL PEOPLE Species& Gender& Religion& Na1on& Community& Family& You& You&

What is it to be human?

“To be human is to have the ability to transcend our egocentric preconditioning and care so DEEPLY FOR OUR CHILDREn, PARTNERS, FRIENDS or even strangers that we WOULD PUT THEIR INTEREST ABOVE OUR OWN NO MATTER WHAT IT MIGHT COST US PERSONALLY “ - RAY KURZWEIL!

My VALUES

HERE ARE THE 50 VALUES I HOLD DEARLY AND DO MY BEST TO

ALWAYS LIVE BY

ACCEPTANCE

I shall recognize the Uniqueness and humanity OF THOSE WHO DIFFER

FROM MYSELF

ACTION

THOUGH DELIBERATE & CAREFUL I SHALL HAVE A BIAS TOWARD

ACTION

ADAPTATION

I shall MAINTAIN in A STATE ABLE TO FLOW, LEARN & MODIFY MYSELF TO FIT NEW SURROUNDINGS OR OCCURENCES

ANALYSIS

I shall analyze what I do and DO NOT DO AND ATTEMPT TO DERIVE INHERENT LAWS, AXIOMS, TENANTS AND GUIDEPOSTS BASED ON THE EFFECTS

OF MY ACTIONS & INACTIONS

BEST EFFORT

I shall PUT FORTH MY FULL AND BEST EFFORT WITHIN THE BOUNDARIES OF PROPER PHYSICAL & MENTAL HEALTH

CHALLENGE

I shall often challenge MYSELF & STEP OUTSIDE MY COMFORT ZONE SO AS TO REACH

WORTHY GOALS

COLLABORATION

I shall WORK COLLABORATIVELY WITH OTHERS WHO ARE BETTER THAN I AM AT WHAT THEY DO

COMMITMENT

I shall UPHOLD MY COMMITMENTS AND UNDER-PROMISe AND

OVER-DELIVER

COMMUNICATION

I shall MAKE IT A PRIORITY TO LEARN TO COMMUNICATE EXTREMELY WELL

WITH OTHERS

CONFIDENCE

I shall ALWAYS BE CONFIDENT & OPTIMISTIC AND

SET MY GOALS HIGH

CONTENTMENT

I shall BE ONLY WHERE I AM AND SAVOR EVERYTHING ABOUT THAT

MOMENT

DETAIl

I shall NOT DALLY NEEDLESSLY IN DETAIl BUT EXAMINE TO THE FULL

EXTENT NEEDED

ENVIRONMENTAL CONCIOUSNESS

THOUGH I SHALL PROMOTE THE MASTERY OF NATURE FOR THE BETTERMENT OF LIVING CONDITIONS OF HUMANS I SHALL NEVER FORGET THAT THE EARTH SHOULD BE TREATED AS PRECIOUS AND THAT SUSTAINABILITY MUST BE REQUIRED IF WE ARE TO SURVIVE AS A SPECIES

FOCUS

I shall RECOGNIZE THAT WHILE I CAN DO ANYTHING I CAN’T DO

EVERYTHING

FORGIVENESS

I shall FORGIVE THOSe WHO HAVE MENDED WAYS INCLUDING MYSELF

GENEROSITY

I shall GIVE TO OTHERS HOWEVER I AM BEST AND MOST ABLE

HEALTH

I shall maintain my health and EAT sleep & Exercise IN SUCH A MANNER AS TO MAINTAIN A HIGH LEVEL OF ENERGY

I SHALL ELIMINATE NEAGATIVE ENERGY AS MY BODY IS A TEMPLE THAT HOUSES MY

SPIRIT

HONESTY

I shall BE HONEST AND FORTHRIGHT IN ALL REPRESENTATIONS of And Deliberations with MYSELF

HUMILITY

I shall NOT BE AFRAID TO ASK FOR HELP AND NOT ASSUME MYSELF

ABOVE ANOTHER

INDUSTRY

I shall LOSE NO TIME AND ALWAYS BE EMPLOYED IN SOMETHING USEFUl REFLECTION AND RELAXATION SHALL BE INCLUDED IN THE DEFINITION OF

USEFUL

INTEGRITY

I SHALL ACT WITH INTEGRITY AND IN ALIGNMENT WITH

WHAT I SAY I WILL DO

JUSTICE

I shall WRONG

NO oNE

KINDNESS

I SHALL LIVE A LIFE OF KINDNESS & COMPASSION.

THERE’S NO REASON NOT TO.

LEARNING

I shall be continously LEARNinG AND I SHALL

CONTINOUSLY READ

LISTENING

I SHALL STRIVE TO LISTEN & UNDERSTAND

BEFORE I SPEAK

MENTORSHIP

I shall GIVE THE KNOWLEDGE I HAVE AND WILL GAIN

TO OTHERS

MISTAKES

I shall STRIVE TO LEARN FROM THE MISTAKES I MAKE AND TO NOT MAKE

TWICE

NATURE

I shall CONSERVE AND PROTECT NATURE AND ENSURE IT REMAINS

FOR MY GRANDCHILDREN

OPTIMISM

I shall ALWAYS SEE THE GLASS AS

HALF FULL

ORGANIZATION

I shall KEEP MY LIFE & BELONGINGS IN ORDEr WHILE KEEPING SPACE FOR

EXHUBERENCE & CREATIVITY

PASSION

I shall ALWAYS STRIVE FOR THAT

WHICH I BELIEVE

PERSERVERANCE

I shall NOT GIVE UP NOR GIVE IN TOO SOON AS LONG AS I FEEL A GOAL IS

WORTHY OF THE EFFORT

PLANNING

I shall PLAN FOR MY LIFE AND UPComing EVENTS

POSITIVITY

I shall be positive DURING ALL TIMES AND BELIEVE IN THE POWER oF A

POSITIVE MENTAL ATTITUDE

PREPARATION

I shall ATTEMPT TO ENTER EACH SITUATION WITH AN INTELLECTUAL FRAMEWORK

PRIMED & READY

PRESENCE

I shall FOCUS MY COMPLETE ATTENTION ON THE SINGLE INDIVIDUAL I AM

SPEAKING WITH

PUNCTUALITY

I shall be on

TIME

REFLECTION

I shall TAKE MOMENTS TO REVIEW WHAT HAS BEEN DONE AND EXAMINE SOCIETY AND MY

BEING, GOALS, and HABITS

RESPECT

I shall RESPECT

ALL OTHERS

SACRIFICE

I shall SAVE & INVEST FOR TODAY SO AS TO GAIN FOR

TOMORROW

SINCERITY

I SHALL BE SINCERE AND ONLY TALK ABOUT PEOPLE IN AN

EMPOWERING WAY

SPIRITUALITY

I shall REALIZE I AM A VERY SMALL PART OF THE UNIVERSE AND HAVE GREAT

GRATITUDE FOR LIFE

SOLITITUDE

I SHALL HAVE A PERIOD OF PEACE AND SOLITUDE AT THE BEGINNING OF EACH DAY IN WHICH I SHALL GIVE THANKS AND ENVISION

THE DAY AHEAD

SPONTANEITY

I SHALL PERFORM WEEKLY EITHER An ACT OF KINDNESS OR AN ACTIVITY WHICH I HAVE

NEVER DONE BEFORE

SUPERFICIALITY

I SHALL NOT FOCUS ON THE OUTER

BUT ON THE INNER

TEACHING

I shall TRANSFER BOTH KNOWLEDGE & ENERGY

IN TEACHING

TRANQULITY

I shall NOT BE DISTURBED BY TRIFLES OR BY THAT WHICH IS NOT TRULY

IMPORTANT

TRANSPARENCY

I shall LIVE A PUBLIC LIFE AND SHARE THE CONTENTS OF MY

Dreams & PLANS

TRAVEL

I shall MAKE A PRIORITY TO SEE AND EXPLORE

THE WORLD

WORK ETHIC

I shall WORK BOTH HARD AND INTELLIGENTLY AND NOT LEAVE FOR TOMORROW WHAT CAN BE DONE TODAY

BEN FRANKLIN’s 13 Values 1.  Temperance: Eat not to dullness; drink not to elevation. 2.  Order: Let all your things have their places; let each part of your business have its time. 3.  Resolution: Resolve to perform what you ought; perform without fail what you resolve. 4.  Frugality: Make no expense but to do good to others or yourself; i.e., waste nothing.

BEN FRANKLIN’s 13 Values 6.  Moderation: Avoid extremes; forbear resenting injuries so much as you think they deserve. 7.  Industry: Lose no time; be always employed in something useful; cut off all unnecessary actions. 8.  Cleanliness: Tolerate no uncleanliness in body, clothes, or habitation.

9.  Tranquility: Be not disturbed at trifles, or at accidents common or unavoidable.

BEN FRANKLIN’s 13 Values 9.  Silence: Speak not but what may benefit others or yourself; avoid trifling conversation. 10.  Sincerity: Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly. 11.  Justice: Wrong none by doing injuries, or omitting the benefits that are your duty. 12.  Chastity: Rarely use venery but for health or offspring, never to dullness, weakness, or the injury of your own or another's peace or reputation. 13.  Humility: Imitate Jesus and Socrates.

IN SUMMARY ON VALUES

YOUR LIFE WILL BE ENRICHED AND YOU WILL SLEEP SOUNDLY AT NIGHT KNOWING YOU ARE LIVING WITH A CONsCIOUS SET OF VALUES

Financial plan exercise

You can do the following 10 minute Values exercise now

Or put a time on your calendar To return to it

Values EXERCISE

Exercise: VALUES

Write down the 10 most important

Values to you?

CONNECT COMPANY VALUES CIRCA 2012

Lessons from my 20s

PART I, Section 14

LIFE LESSoNS

LIFE Lessons from 2005

I’ve been KEEPING TRACK OF THE major LESSONS I’ve learned

Each YEAR Since 2005

LIFE Lessons from 2005

LISTEN TO THAT LITTLE VOICE in the back of your HEAD It’s usually alerting You to something Important

LIFE Lessons from 2005

YOU CAN ACHIEVE ANYTHING

YOU SET YOUR MIND TO

LIFE Lessons from 2005

Don’t let Non-communication Lead to the Degeneration of a Relationship

LIFE Lessons from 2005

Don’t AVOID DOING THINGS JUST BECAUSE THEY MAY CAUSE CONFLICT!

LIFE Lessons from 2005

AT THE END OF THE DAY Impact & INTEGRITY is

What matters!

LIFE Lessons from 2005

NEVER Say “BUT” INSTEAD SAY

“YES, AND.”

LIFE Lessons from 2005

THERE ARE TWO WAYS TO DETERMINE THE RULES OF LIFE TALKING TO SMART PEOPLE and TRIAL AND ERROR EITHER WAY START LEARNING EARLY

LIFE Lessons from 2006

IF SOMEBODY SUES YOU GO TALK TO THEM IN PERSON IMMEDIATELY

LIFE Lessons from 2006

NETWORKING Isn’T ABOUT BUSINESS CARDS IT’s about building

Meaningful relationships

LIFE Lessons from 2006

2.4 Billion PEOPLE

LIVE ON LESS THAN TWO DOLLARS PER DAY Source: World Bank

LIFE Lessons from 2006

EVERY Day 18,000 CHILDREN UNDER 5 DIE MOST FROM PREVENTABLE DISEASE AND LOW NUTRITION. THIS DOESN’t HAVE TO HAPPEN. Source: World Bank

LIFE Lessons from 2006

80% OF HUMAN BEINGS LIVE oN LESS THAN $10 PER DAY So IF YOU’RE LIVING ON MORE THAN $10 PER DAY Count your blessings Source: World Bank

LIFE Lessons from 2007

LIFE IS PRECIOUS AND CAN END ANYTIME SO EXPRESS GRATITUDE DAILY AND TELL THOSE YOU LOVE THAT YOU LOVE THEM

LIFE Lessons from 2007

THE WORLD HAS MORE OPPORTUNITIES THAN YOU MIGHT THINK

so DEFINE YOUR PURPOSE THEN SEEK THEM OUT

LIFE Lessons from 2007

PoSITIVE DEVELOPMENTS OCCUR WHEN YOU ASSOCIATE WITH

EXTRAORDINARY PEOPLE

LIFE Lessons from 2007

GRATITUDE IS AN EXTREMELY POWERFUL CHARACTER ATTRIBUTE

LIFE Lessons from 2007

HUMANS HAVE A DEEP DESIRE In THEIR LIVES FOR

LOVE AND AFFECTIOn

LIFE Lessons from 2007

IF THERE’S ONE THING YOU “OVERDo” IN LIFE MAKE IT

COMMUNICATIon

LIFE Lessons from 2007

LET YOUR INNER CHILD COME OUT DAILY

AND SILLY DANCE

LIFE Lessons from 2007

AVOID GETTING MARRIED UNTIL YOU’RE ABLE TO

FULLY FINANCIALLY SUPPORT YOURSELF

LIFE Lessons from 2007

AVOID HAVING CHILDREN UNTIL YOU CAN SAFELY FINANCIALLY AFFORD CHILDREN

LIFE Lessons from 2007

GOOD HEALTH IS EVERYTHING

LIFE Lessons from 2008

Don’t ever LET YOUR MIND

LIMIT YOURSELF

LIFE Lessons from 2008

One way to avoid CRITICISM IS TO DO NOTHING & STAND FOR NOTHING

THE WORLD WILL THEN LEAVE YOU ALONE

LIFE Lessons from 2008

IF YOU’re up to something that matters in the world CRITICISM is inevitable

It comes with the territory

LIFE Lessons from 2008

ARROGANCE IS NOT OVER-CONFIDENCE It is being

DISMISSIVE OF OTHERS

LIFE Lessons from 2008

IT TAKES ten years TO BECOME GREAT AT SOMETHING Thus You can only BECOME GREAT AT 6 or 7 things

CHOOSE CAREFULLY

LIFE Lessons from 2009

DO SOMETHING WONDERFUL EACH DAY WITH

INFECTIOUS ENTHUSIASM

LIFE Lessons from 2009

JUST SAY “OK GOOD”

TO LIFE

LIFE Lessons from 2009

CANCER IS HORRIBLE

LIFE Lessons from 2009

WE ALL HAVE CHALLENGES

It’s how you INTERPRET & RESPOND TO THEM THAT COUNTS

LIFE Lessons from 2009

PEOPLE GENERALLY ACT CONSISTENTLY WITH WHAT IS EXPECTED OF THEM

LIFE Lessons from 2009

MANY PEOPLE IN THE UNITED STATES ARE NOT AUTHENTICALLY

HAPPY

LIFE Lessons from 2009

THERE IS BEAUTY IN UNDERSTANDING

NUANCE

LIFE Lessons from 2009

ASK FOR ADVICE

MORE OFTEN

LIFE Lessons from 2009

TO achieve big goals You need TO

FOCUS

LIFE Lessons from 2009

THERE IS GREAT POWER IN A

HANDWRITTEN NOTE

LIFE Lessons from 2009

FIND A WAY TO MAKE ALL NEGOTIATIONS BENEFIT

BOTH SIDES

LIFE Lessons from 2010

THE BEST MEDICINE FOR STRESS

IS BREATHING!

LIFE Lessons from 2010

nd THE 2 BEST MEDICINE

FOR STRESS

IS LAUGHTER!

LIFE Lessons from 2010

TRAVEL THE WORLD FOR AT LEAST

3 weeks per year!

LIFE Lessons from 2010

EVERY WEEK WATCH a

TED VIDEO

LIFE Lessons from 2010

SPEND MORE HOURS READING THAN YOU DO

WATCHING TV!

LIFE Lessons from 2010

LIMIT TELEVISION To 30 minutes

PER WEEK!

LIFE Lessons from 2011

INVESTING in AFRICA NOW IS LIKE INVESTING IN INDIA

In 1985!

LIFE Lessons from 2011

NEARLY SUPER-HUMAN FEATS ARE POSSIBLE WHEN YOU ARE DEEPLY PASSIONATE ABOUT

YOUR MISSION

Life lessons exercise

You can do the following 5 minute Life lessons exercise now

Or put a time on your calendar To return to it

Life Lessons EXERCISE

Exercise: life lessons

Write down the 3 most important

Life lessons You have ever learned

Lessons from my 20s

PART I, Section 15

Sage advice

FAVORITE QUOTES on LIVING

LIFE IS EITHER DARING ADVENTURE OR NOTHING - HELEN KELLER!

FAVORITE QUOTES on LIVING

ABOve ALL TRY SOMETHING - FRANKLIN D. ROoSEVELT!

FAVORITE QUOTES on LIVING

ONE WHO MAKES NO MISTAKES MAKES NOTHING

- GIACOMO CASANOVA!

FAVORITE QUOTES on LIVING

DO ONE THING EVERYDAY THAT SCARES YOU

- ELEANOR ROOSEVELT!

FAVORITE QUOTES on LIVING

NEVER DOUBT THAT A SMALL GROUP OF THOUGHFUL, COMMITTED CITIZENS

CAN CHANGE THE WORLD - MARGARET MEAD!

FAVORITE QUOTES on LIVING

Don’t chase THE PAPER

CHASE THE DREAM! - P DIDDY!

FAVORITE QUOTES on LIVING

FAR BETTER IT IS TO DARE MIGHTY THINGS THAN TO RANK WITH TIMID SPIRITS WHO KNOW NEITHER

VICTORY NOR DEFEAT

- THEODORE ROOSEVELT!

FAVORITE QUOTES on LIVING

HERE’S TO THE CRAZY ONES. THE MISFITS, REBELS, & TROUBLEMAKERS THE ONES WHO SEE THINGS DIFFERENTLY BECAUSE THE PEOPLE WHO ARE CRAZY ENOUGH TO THINK THEY CAN CHANGE THE WORLD ARE THE ONES WHO DO - STEVE JOBS!

FAVORITE QUOTES on LIVING

WHETHER YOU THINK YOU CAN OR YOU CANNOT

YOU ARE RIGHT

- HENRY FORD!

FAVORITE QUOTES on LIVING

FOLLOW YOUR BLISS

- JOSEPH CAMBELL!

FAVORITE QUOTES on LIVING

UNTIL ONE IS COMMITTED, THERE IS HESITANCY THE CHANCE TO DRAW BACK. WHATEVER YOU CAN DO, BEGIN IN. BOLDNESS HAS GENIUS, POWER, & MAGIC IN IT. BEGIN IT NOW. - W.H. Murray!

FAVORITE QUOTES on LIVING

BEAUTY IS THE ABSENCE

OF THE SUPERFLUOUS - Greek SCHOLARS!

FAVORITE QUOTES on LIVING

SIMPLICITY IS THE ULTIMATE

SOPHISTICATION - Greek SCHOLARS! - LEONARDO DE VINCI!