Success Goals: How to Make a Business Career - 1

A Tale of Two Careers

Two friends, Alex and Oscar, grew up in the same

neighborhood, same type of house, same type of

family.

Their lives turned out very different, even though they

lived next door to each other most of their lives.

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Success Goals: How to Make a Business Career - 2

(While this story is about two men, it could be true for any

two people.)

Both liked to read as kids. Alex was given books about

success as a teen, Oscar found himself reading sports

magazines.

Alex and Oscar both did OK in school. Alex took extra

classes which gave him college credit. Oscar took what he

had to in order to graduate.

Alex finished off a two-year degree shortly after high-school

and got an entry-level job at the local plant.

Oscar went to college and graduated with a bachelor's.

Alex was promoted to a supervisor position in his company

the same day they hired Oscar as a supervisor.

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Success Goals: How to Make a Business Career - 3

Each had a different approach to their own job.

Alex came a little early to ensure everything was set up for

the day, and that all the work was lined up. He also stayed a

little later to ensure everything was set up for the next shift

and looked for opportunities to improve their production.

Oscar came on time, did his job as he was told, left on time.

While both received salary increases in good years, Alex's

was routinely larger, and he infrequently had bonuses in his

pay because of the improved efficiency in his area.

After dinner with his family, Oscar sat in his favorite chair

and watched broadcast TV or cable, surfing infrequently

through the hundreds of channels available.

Alex spent his spare time reading about or working on his

home-business, which he would change infrequently as he

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Success Goals: How to Make a Business Career - 4

found more profitable passive business channels.

Both were satisfied with their style of living.

Oscar spent the weekends working on his boat between

sports events on TV. He'd take his family on weekend trips

to the lake.

Alex would spend the weekend with his family on home

projects they all could be involved in. When they went out

for a weekend, it was usually camping at a public

campground. (While they had a TV, it was only connected to

a DVD player, which was usually used for movies they

checked out from the local library.)

Oscar would grumble occasionally at the end of the month

that his paycheck was gone almost before he could deposit

it. He had his college loan, his home mortgage, his car, his

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Success Goals: How to Make a Business Career - 5

SUV, and his boat to pay for. Oscar got a new car every third

year, as soon as the warranty ran out. He did the same for

his SUV and his boat. He got a long-term loan on his house

mortgage to pay as little as possible each month.

Alex had his check direct deposited, with 10 percent going

to savings. He had paid off his student costs for that year in

college with the first year of salary from his job. He'd saved

up for his home so that he paid nearly 50% upfront, and

then accelerated the payments so that debt was gone in a

few years. Alex budgeted carefully and never bought on

credit, but saved up for big purchases with a special

account.

Alex paid cash for a truck that researched out as dependable

and low cost. He had found it as pre-owned, with low miles

and only a year old. He kept this truck well maintained and

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Success Goals: How to Make a Business Career - 6

found that it was less expensive to rebuild the engine and

transmission than buy a new truck. He followed the same

policy with his wife's car. Alex liked being called "frugal"

and "cheap skate."

Alex was living on less than 70% of his salary and was

saving 10% and investing the other 20% in dividend-paying

stocks and other conservative investments. His home

business was made to pay for itself and to quickly pay back

any personal loan he had to invest for its expansion.

When Alex's home business began to routinely pay more

than enough to replace his salary and all the benefits his job

was kicking in, he then quit his job to start working on his

business full time. Because that home business was all

passive income, he was able to then diversify into additional

product-lines which were also passive, and also paid their

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Success Goals: How to Make a Business Career - 7

own way.

When people asked, Alex would tell them that now he was

happier than ever. He was doing what he loved and had

plenty of spare time (and money to spend) whenever he

wanted. He said his work was like being paid to play

baseball for a living.

Alex took up walking and running as soon as he started

working only for himself, in order to keep in shape and his

mind clear for his business.

Oscar continued to keep his job at the company, even

though he was nearly laid off with plant-wide downsizing a

few times. Eventually, he took a severance package near his

retirement age and started to collect Social Security. Since

he still had house, car, SUV, and boat payments, his

severance package mainly went to pay these off. Social

Security was eaten up by Medicade, so that was a wash.

It took Oscar 10 years after he retired to finally pay off his

home. He had gotten rid of the boat and his main

entertainment was now just TV. He got out of shape from

sitting around all the time and his health worsened

gradually.

10 years after Oscar retired, Alex was making several times

more than he made from his old job's salary, and continued

to reinvest any extra into his businesses. His savings

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Success Goals: How to Make a Business Career - 8

account was massive, but he never touched it. Occasionally,

he would take his wife and any kids still at home on long

weekend vacations, flying out to resorts in cities where

conferences were being held. The expense was paid for by

his businesses.

Alex was able to spend a great deal of time with his kids and

grandkids. He taught them early how to have a goal for their

lives, and how to start a passive-income business that paid

its own way. He didn't give them loans unless they could

prove to him their businesses were able to pay the loans off

as well as the interest.

At Oscar's funeral, Alex paid his respects to the family and

to the memory of his old classmate and co-worker.

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Success Goals: How to Make a Business Career - 9

While Alex was saddened by the loss, he also knew that

Oscar had made very different choices than he had.

Oscar's widow sold their house, car and SUV to pay for the

expenses remaining. She then moved in with one of their

children.

Alex and his wife continued living in their own home and

welcomed their new neighbors and their kids. The new

neighbor remarked about Alex's classic truck, about how it

was now cheaper to buy and rebuild than buy new. Alex

invited him over for dinner, and to discuss a business

opportunity that could be done in his spare time.

This was a story of two people, who each made different

choices.

How are your choices turning out?

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Success Goals: How to Make a Business Career - 10

A Recipe for Personal Greatness and

Financial Freedom:

1. Decide on a goal and work toward it constantly.

2. Give far more value on your job than asked to do.

Earn salary increases and bonuses because of the extra

value you give your job.

3. Live a frugal life, live within your means, pay down

your debts early.

4. Save 10 percent of your weekly pay.

5. Streamline your budget so you can invest another

20% in dividend-earning investments.

6. Start a home business as your spare-time

hobby. Make this pay for itself with passive income greater

than costs plus reserve-building. Ensure that it aligns to

your passion.

7. When your home business regularly returns passive

income better than your salary plus all your benefits, shift

over to full-time work at your home business.

8. Help everyone around you openhandedly. Teach

those that will listen how to set goals and make them as a

way of life. Be an example of successful living to everyone

you meet.

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Success Goals: How to Make a Business Career - 11

Resources

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