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You probably don’t need to read this, but I bet you know people who do. Please feel free to repost or forward:

Times are tough, and many say they are going to be tougher. That makes some people more focused, it turns others desperate.

You may be tempted at some point to try to make a million dollars. To do it without a lot of effort or skill or risk. Using a system, some shortcut perhaps, or mortgaging something you already own.

There are countless infomercials and programs and systems that promise to help you do this. There are financial instruments and investments and documents you can sign that promise similar relief from financial stress.

Resist.

There are four ways to make a million dollars. Luck. Patient effort. Skill. Risk.

(Five if you count inheritance, and six if you count starting with two million dollars).

Conspicuously missing from this list are effortless 1-2-3 systems that involve buying an expensive book or series of tapes. Also missing are complicated tax shelters or other ‘proven’ systems. The harder someone tries to sell you this solution, the more certain you should be that it is a scam. If no skill or effort is required, then why doesn’t the promoter just hire a bunch of people at minimum wage and keep the profits?

There are literally a million ways to make a good living online, ten million ways to start and thrive with your own business offline. But all of these require effort, and none of them are likely to make you a million dollars in few months time.

Someone once told me the probability of an entrepreneur getting venture capital is the same as getting struck by lightning while standing at the bottom of a swimming pool on a sunny day. This may be too optimistic.

Let’s say you can’t raise money for whatever reason. This doesn’t mean you should give up. The key to success is bootstrapping.

1. Focus on cash flow, not profitability. The theory is that profits are the key to survival. If you could pay the bills with theories, this would be fine. The reality is that you pay bills with cash, so focus on cash flow: a small upfront capital requirement, short sales cycles, short payment terms and recurring revenue–and pass up the big sale that takes a year to close and collect. Cash is not only king—it’s queen and prince, too.
2. Forecast from the bottom up. Most entrepreneurs forecast top-down: “If 1 percent of U.S. car owners install our satellite radio systems, that’s 1.5 million systems.” The bottom-up forecast: “We can open 10 facilities that each install 10 systems a day.” Guess which forecast is more likely to happen?
3. Ship, then test. How can I recommend shipping stuff that isn’t perfect? “Perfect” is the enemy of “good enough.” When your product is “good enough,” get it out, because cash flows when you start shipping. By shipping, you also learn what customers truly want you to fix.
4. Forget the “proven” team. They’re overrated. Hire young, inexpensive, hun-gry people with fast chips, but not necessarily a fully functional instruction set.
5. Start as a service business. Say you want to build a software company: Provide consulting and services based on your work-in-progress software. This has two advantages: immediate revenue and true customer testing. Once the software is field-tested, flip the switch and become a product company.
6. Focus on function, not form. Mea culpa. I love good form: MacBooks, Audis and Breitling watches. But bootstrappers focus on function: computing, getting from Point A to Point B and knowing the time of day. All the chair has to do is hold your butt. It doesn’t have to look like it belongs in the Museum of Modern Art.
7. Understaff. Many entrepreneurs staff up for what could happen, best case. Bootstrappers understaff, knowing that all hell might break loose.
8. Go direct. The optimal number of mouths between a bootstrapper and her customer is zero. Sure, stores provide great customer reach and wholesalers provide distribution. But e-commerce was invented so you could sell direct and reap greater margins.
9. Position against the leader. Toyota introduced Lexus, claiming it’s as good as a Mercedes-Benz but half the price–Toyota didn’t have to explain what “good as a Mercedes-Benz” meant. How much do you think they saved? “Cheap iPod” and “poor man’s Bose speakers” work, too.

Find out how deep the rabbit hole really is. The equation is simple: amount of cash divided by cash burned per month. As my friend says, “The leading cause of failure of startups is death, and death happens when you run out of money.”

1. Gratitude. Focusing on all you have in your life is an immediate mood shifter. Honor the losses that might be part of any circumstance and allow your viewpoint to expand in appreciation for all the riches you have that truly matters.

2. Interrupt negative self-talk and choose a better thought to put your attention. Notice where your thoughts are focused. What stories and dramas are you creating? Are they serving to help you feel better or worse? If you’re unable to let the stories go and dramas go immediately, exaggerate it BIG. Really act it out and play with it so that it becomes absurd. It might even become funny! Click here to read my article on dealing with negative self-talk. Take a stand and choose to put your attention on a better feeling thought.

3. Accept what happened. Dwelling on the past and ruminating on the details only adds more stress and upset. What we resist, persists. The more we struggle against our unwanted life circumstances the more power we give our unhappiness to affect our present moments. It is what it is. Each moment is temporary and gives birth to the next. Acceptance opens the door to…

4. Look for the blessings. Every situation is a healing and growth opportunity. Asking questions like: What are the gifts from this experience? (Focus on the gratitude). What can I learn from this situation? Recognize everything happens for a reason even if it appears to make no logical sense. Approaching life from this perspective invites greater ease and flow. Looking through the eyes of the Victim or the Champion/Hero/Creator is a choice. Seeing your life experience with appreciations invites possibilities to unfold.

5. Ask for help. Reach out to your circle of friends if you need an ear, a hug, a boost or a kick in the butt to get yourself into a healthier mindset. Be willing to receive help and invite the people in your life to be a loving support if you need it!

6. Help someone. Our natural state is one of loving generosity and well-being. Extending support to another can be a great heart lifter in reconnecting us to our spirit.

7. Do something that brings you joy, makes you laugh, and feeds your spirit.

They must be:

1) Be Specific & Measurable

The more specific you are, the more focused your mind and efforts will be. Specific and measurable outcomes will lead to effective strategies and actions. If you want your health to improve, you must set specific and measurable targets such as ‘how much weight do I want to lose?’

‘What pulse rate do I want to achieve’ ‘what is my targeted body-fat ratio?’ ‘How many hours must I spend in the gym each week?’ ‘How many calories will I allow myself to take in a day?’ ‘How many miles should I run or how many laps must I swim at each session and how many times a week ?

Under personal development goals, you may want to set goals such as ‘What new languages do I want to learn? And to what standard?’ ‘How many books do I want to read each month, and in what areas?’ You must also be specific about the time frame you are giving to each goal and list a specific date of accomplishment.

2) Passionate and Exciting

Have you ever been so passionate and excited about doing or achieving something that it kept you awake all night? You kept thinking about it every waking moment? Maybe it was your first trip to an exciting new destination. It could also be participating in an important tournament, meeting that special person or planning your 21st, 30th, 40th birthday celebration.

When we are passionate about achieving something vitally important to us, it gives us a level of energy and focus that cannot be matched. It is this level of passion and excitement that we must have for our goal(s), if we ever want to achieve it!

When people ask me, ‘Where do you get the energy and discipline to keep writing books, developing seminars and starting new companies?’, I reply by saying that I get so passionate and excited about my goals, to the extent that they charge me up continuously.

I sleep, breathe and dream my goals every single day until they are achieved! Then I set a new one, at a higher level!

When people seem to lack discipline or will power, it is not that they are lazy, it is simply because their goals are not exciting enough for them. They are not passionate about what they want to achieve!

Tiger Woods loves to play golf. Donald Trump loves the art of the deal, Steven Spielberg loves to make larger-than-life movies and Bill Gates loves technology and the idea of shaping the world. Even if they had all the money in the world (which they do), they would still be as obsessed with their goals.

So, you must set goals that you are passionate about. How? Simply ask yourself this question, ‘Even if I had $10 billion, what would I still want to do and accomplish? What would I be willing to do for free if I had all the money in the world?’

Write down what you are truly passionate about and what comes from your heart rather than just from your mind.

3) Stretch Goals for Quantum Results

Most people I know tend to subscribe to setting for themselves merely incremental goals. Incremental goals are goals that are slightly higher than what you are currently achieving. For example, if you were making $2000 a month in income, an incremental goal would be $2500.

A stretch goal, on the other hand, is when you set for yourself an outcome that is way beyond your current level of ability and skill. If you were making $2000 a month, an example of a stretch goal would be one aiming for $10,000 a month.

I believe that the most powerful goals you can set are stretch goals. This was a key ingredient that allowed me to achieve so much within such a short period of time.

Use these 3 keys and your goals will propel you towards the success you deserve in life!

That’s the way it is with success. It can be hard. But there are four sure-fire ways to achieve success at almost anything every time without failure.

4 Ways to Achieve Your Goals & Succeed Every Time Without Failure

1. Work hard.

There’s no substitute for hard work. Simply put, there “ain’t no free lunch.”

When I look at highly successful people, I think, “It’s no wonder they’re doing so well. Look at everything they’re doing.”

Could the same thing be said about you? If someone were to follow you around for a week and painstakingly record everything you did to advance your career, would that person walk away with a long list of all the things you’re doing to get ahead? Or would that person have a long list of the excuses you gave and the time you wasted?

Sometimes people fool themselves into thinking they’re putting out a 100% effort … when in reality, they’re not. For example, many people are out of work these days, and I’ve often heard them say, “I sent out 100 resumes, and I didn’t get any response. I did everything I could.”

One hundred percent effort means that you’ve exhausted every possible opportunity for reaching your goal. If you’re looking for a job, 100 percent effort would include researching individual companies you want to work for, sending these companies personalized letters, calling to follow up, calling other people in the industry, and networking.

One hundred percent effort means telling a potential boss, “I’m sure you’ve got a lot of applicants here. But I believe so strongly in my ability to meet your needs, I’ll work for you for 30 days with no pay. Let me prove to you my ability. In 30 days, evaluate my performance. If it’s not up to par, let me go. But when I prove myself to you, I expect to be given the job and paid for the 30 days of work.”

Now that’s putting in 100% effort! And that’s what you need to do to succeed in any area of life … because success is more often the result of hard work than the result of talent.

2. Practice endurance.

To many people, “endurance” is a nasty word. They would like to come by success the “easy” way. They want it to fall into their laps.

But that’s an extremely rare occurrence. 99.99% of the time, success comes AFTER you “endure” awhile. And all the greats in every field of endeavor have learned how to “endure.”

As professional tennis player Bjorn Borg noted, “My greatest point is my persistence. I never give up in a match. However down I am, I fight until the last ball. My list of matches shows that I have turned a great many so-called irretrievable defeats into victories.”

Could the same be said of you?

Or do people … secretly behind your back … say you bail out when things get a little tough? Do they say you give up way too easily or throw in the towel too quickly? Do they point out the fact that you seldom finish what you start?

If you answer “yes” to any of these latter questions, remember the words of John Quincy Adams. He noted, “Patience and perseverance have a magical effect before which difficulties disappear and obstacles vanish.” In other words, there’s power in perseverance.

3. Keep on believing.

Believe in yourself. Believe in a power bigger than yourself. Believe in success. And believe you can be successful.

That’s what Lee Iacocca, the former chairman of the Chrysler Corporation did. When the world told him to let his debt-ridden company die, Iacocca refused. He didn’t wait for the economy to change or for a government bailout to rescue him.

Iacocca kept believing in himself, in his company, in his products, and in his workers. He pronounced, “So what do we do? Anything — something. So long as we don’t just sit there. If we screw it up, start over. Try something else. If we wait until we’ve satisfied all the uncertainties, it may be too late.”

4. Stay committed.

Everything else being equal, commitment wins every time. So fight back any feelings of discouragement that might get in your way. Don’t allow yourself to hang it up when things get rough.

If you’re going to be successful, you’ve got to remember the letters M.I.H. It stands for… Make It Happen.

As you pursue your goals, as you strive towards excellence and success, follow these four points and you’re sure to win. After all, most people don’t fail. They just give up.