Every now and then, we all suffer from FEAR! According to Wikipedia, Fear is an emotional response to a perceived threat. It is a basic survival mechanism occurring in response to a specific stimulus, such as pain or the threat of danger. As we get older, our fear increases because we believe we have more to lose. The truth is far too many of us allow fear to control our lives.
Whatever the cause of your fears, I thought this would be a great time to share with you again the recording of the telerally that Lisa Maria Carroll and I hosted earlier this year in which we discussed the 5 ways to Send Fear Packing.
Just remember in listening to this recording that FEAR is False Evidence Appeared Real, and your goal is to not let some perceived state prevent you from accomplishing real things.
Click HERE to listen to the audio tape.
Kim Crouch is a wealth strategist and along with Lisa Maria Carroll, co-creator of the Millionaire Journey.
If You Really Want Wealth, Read! Read! And Read Again!

I know it’s been a while since you’ve heard from me or Lisa but we’ve been busy pushing toward day 365 of the Millionaire Journey! I once read a quote that said if you want to be rich, READ! And this is exactly what I’ve been doing these last few months. Reading every thing I could get my hands on. I know that my wealth has expanded ten fold because I've taken the time to make sure I acquire additional knowledge about investing, wealth creation and a multitude of other things.
There are some great books out that will help you increase your mindset around wealth accumulation, power of associations and just simply motivate you. They vary from the inexpensive to the expensive but I thought I would share them with you.
1. . Ok this is one of the best books I’ve read in a long time. This is a nuts and bolts books from the 6 key profiles of the rich, to how to enter society, this book is a must read! I loved it.
2. This book is the definitive work concerning Warren Buffet and his investment philosophy. I liked this book because it explained in plain English basic principles of sound business practice.
3. . This is a great book by two mega millionaires Robert Kiyosaki and Donald Trump and I found it a great read. This book is less about the nuts and bolts of being rich and more about the philosophy behind attaining wealth. Great read from two of the best who know their stuff. Also available on Audio.
4.
5. . I heard about this book for a while and finally decided to read it. Found it a really practical book about the four pillars of personal finance— banking, saving, budgeting, and investing—and the wealth-building ideas of personal entrepreneurship. Geared for the younger crowd, the lessons are simple, easy and work.
6. I found this to be one of the best books on interpersonal skills, networking and development of relationships that I’ve seen in a long time.
7. . Really good book from Randall Pinkett, the first African-American to ever receive a Rhodes scholarship from Rutgers University. This brother brings the knowledge in this book.
Kim Crouch is a wealth strategist and along with Lisa Maria Carroll, co-creator of the Millionaire Journey.
Today is the Start of a Journey

On Sunday, our country celebrated its Independence Day. Today, I’m asking everyone who reads this post, what are you going to do to obtain your independence? Your independence could be financially related, it could be the courage to leave a job or garnering the will to up your game. Whatever it is, you have to decide to have ownership over and of your life.
The truth is greatness exist in all of us. It’s just some of us chose to tap it and others don’t. I have been thinking about this a lot lately and wondering why some people do and others don’t and while I don’t know the answer to this question definitely I do believe you just have to decide what it is you’re going to be and how you’re going to do it. Once you do, the universe will get out of your way. I’ve seen this time and time again whether it was making the decision to be the first in my family to go to college, the decision to go to law school, the decision to write a book, to start a publishing company or even now, the road to the Millionaire Journey.
As I see it, many of us never really decide. Our thoughts are fraught with doubts, so called notion of “reality” and fear of failure. We never get to the decision point because there is too much other noise in our head clouding what are just simple concepts:
Just Do IT.
Just Go For It.
Don’t Look Back.
Take Action
Never Have A Plan B. It Gets In The Way of Plan A
Believe.
It doesn’t mean the road we travel will be easy. In fact, success and triumph are never easy. But as we all know the journey of a thousand miles beings with a single step. If you simply focus on placing one step in front of the other instead of thinking about the thousand steps it will take you to get there, one day you will look up and realize that you’ve arrived at your destination. I’m encouraging each of you, if you haven't already, to take a single step today and never look back.
Your Journey begins today!
See you on the success side.
You Can't Be Surprised and Successful
Wow! It’s hard to believe it’s day 240 on the march toward the Millionaire Journey. I know it’s been a while since we’ve posted so I would check in and let you know how we’re proceeding on the journey. . We’re almost two-thirds the way to D-Day and let me tell you it’s been no joke! I admit that it’s been hard, filled with challenges, but so rewarding. There is nothing like going no holds barred with the world to make your dreams happen. And believe me, the world is rough, strong and takes no prisoners. But, I’ve learned as long as I stay in the ring (even if I’m up against the ropes) I will win and be successful in the pursuit of my goal.
I heard a quote recently from a friend, author Jo Lena Johnson who I interviewed for my Passion4Parenting Show. As part of that show, she stated that it’s hard to be successful and surprised. While simplistic in its obviousness, it’s actually quite profound because the truth is none of us can work hard everyday toward goal achievement and be surprised when it happens. Surprise and success really can’t co-exist if you think about it because success is the result of the actions you take every day that move you toward alignment with the world’s purpose for you. Although you may be surprised at the magnitude of your success, it’s really hard to be surprised that you’ve achieved success when you do what it takes and you work hard to make your dreams a reality.
Ask yourself, are you doing what it takes?
1. Attainment of Knowledge. My experiences have taught me that most people aren’t successful for one of two reasons: either they don’t know what they want or they don’t know how to get what they want. These last 240 days I’ve encountered both! There have been times where I’ve had to really have a heart to heart talk with myself to really try to ascertain what it is I’ve wanted from this journey. Part of the problem is that I have many talents and enjoy doing many things and it was extremely difficult to determine There have also been times when I was clear about what I wanted but struggled about how to get that. The key is to make sure you move toward the attainment of knowledge. Are you trying to discover answers for what you don’t know? Are you trying to improve upon any skill deficiencies?
2. Maintaining the Momentum. I realize that the key to success for anyone lies in maintaining momentum. You can achieve what you set out to but it takes time and it’s easy to get sidetracked, steer off course and a number of things that will break your momentum. It’s also easy to take a break from pursuing your dream because it’s hard work and while you may think it’s only a day or two the truth is all successful people know that they’ve managed to Your goal is to make sure you keep the momentum so everyday you need to do something that pushes you toward goal achievement. Ideally, it’s something big but if not make it small. Just do something. I’ve learned that the difference between those who are good and those who are great are those who are great keep the momentum going and keep pushing when those who are good have said this is enough. I’m happy with this.
3. Power of Association. I’’ve blogged a lot about making sure that you surround yourself with people who have your best interest at heart. But it’s also important that you associate with the right type of people who you’re your best interest at heart. Mom may love you but the question is whether mom can help propel you forward. Does mom have the knowledge base you need to move on to the next level? Make sure you are surrounding yourself with individuals whose knowledge and experience can benefit you.
In the end, remember success is less about luck and more about work. Believe me, if you work hard every day, your success won’t be a surprise.
Onward toward success. Keep up the good work. Day 365 is right around the corner.
Click HERE to hear my interview with Jo Lena Johnson (interview begins around minute 2 of the recording)
I heard a quote recently from a friend, author Jo Lena Johnson who I interviewed for my Passion4Parenting Show. As part of that show, she stated that it’s hard to be successful and surprised. While simplistic in its obviousness, it’s actually quite profound because the truth is none of us can work hard everyday toward goal achievement and be surprised when it happens. Surprise and success really can’t co-exist if you think about it because success is the result of the actions you take every day that move you toward alignment with the world’s purpose for you. Although you may be surprised at the magnitude of your success, it’s really hard to be surprised that you’ve achieved success when you do what it takes and you work hard to make your dreams a reality.
Ask yourself, are you doing what it takes?
1. Attainment of Knowledge. My experiences have taught me that most people aren’t successful for one of two reasons: either they don’t know what they want or they don’t know how to get what they want. These last 240 days I’ve encountered both! There have been times where I’ve had to really have a heart to heart talk with myself to really try to ascertain what it is I’ve wanted from this journey. Part of the problem is that I have many talents and enjoy doing many things and it was extremely difficult to determine There have also been times when I was clear about what I wanted but struggled about how to get that. The key is to make sure you move toward the attainment of knowledge. Are you trying to discover answers for what you don’t know? Are you trying to improve upon any skill deficiencies?
2. Maintaining the Momentum. I realize that the key to success for anyone lies in maintaining momentum. You can achieve what you set out to but it takes time and it’s easy to get sidetracked, steer off course and a number of things that will break your momentum. It’s also easy to take a break from pursuing your dream because it’s hard work and while you may think it’s only a day or two the truth is all successful people know that they’ve managed to Your goal is to make sure you keep the momentum so everyday you need to do something that pushes you toward goal achievement. Ideally, it’s something big but if not make it small. Just do something. I’ve learned that the difference between those who are good and those who are great are those who are great keep the momentum going and keep pushing when those who are good have said this is enough. I’m happy with this.
3. Power of Association. I’’ve blogged a lot about making sure that you surround yourself with people who have your best interest at heart. But it’s also important that you associate with the right type of people who you’re your best interest at heart. Mom may love you but the question is whether mom can help propel you forward. Does mom have the knowledge base you need to move on to the next level? Make sure you are surrounding yourself with individuals whose knowledge and experience can benefit you.
In the end, remember success is less about luck and more about work. Believe me, if you work hard every day, your success won’t be a surprise.
Onward toward success. Keep up the good work. Day 365 is right around the corner.
Click HERE to hear my interview with Jo Lena Johnson (interview begins around minute 2 of the recording)
Take Action Tuesday: Start An Accountability Journal
The way to get started is to quit talking and begin doing.
Walt Disney
Journals are amazing things. When done right and honestly, they give us great insight into how we really feel, think and believe. They really teach us a lot about our self and they often serve as a vehicle of growth.
Today, I’m encouraging you to begin keeping an accountability journal not only to record your achievements but also to measure your progress. The truth is over the years, I have come to realize that the difference between those who succeed and those who don’t is one thing: action. Many people say they really want success, but one of the reasons many people aren’t successful is because a gap exists between their actions and what they say they really want.
Accountability is always the process that determines whether your words, thoughts and actions are in alignment. One way to know if you’re in alignment is to keep an accountability journal. This is a journal where you write down each day what actions you took in furtherance of your stated dreams or goals. If your journal is blank for a few days then you have got a problem because the truth is you should be doing at a minimum 1-3 actions each day that move you in the direction of goal achievement.
This is why the journal is such a great tool because it’s an objective measure. If you’re honest with what you accomplish each day, you will be able to really see if you’re moving forward or standing still. And one thing I can assure you is nothing is ever accomplished by standing still so take action today to find out in which direction you’re headed.
Walt Disney
Journals are amazing things. When done right and honestly, they give us great insight into how we really feel, think and believe. They really teach us a lot about our self and they often serve as a vehicle of growth.
Today, I’m encouraging you to begin keeping an accountability journal not only to record your achievements but also to measure your progress. The truth is over the years, I have come to realize that the difference between those who succeed and those who don’t is one thing: action. Many people say they really want success, but one of the reasons many people aren’t successful is because a gap exists between their actions and what they say they really want.
Accountability is always the process that determines whether your words, thoughts and actions are in alignment. One way to know if you’re in alignment is to keep an accountability journal. This is a journal where you write down each day what actions you took in furtherance of your stated dreams or goals. If your journal is blank for a few days then you have got a problem because the truth is you should be doing at a minimum 1-3 actions each day that move you in the direction of goal achievement.
This is why the journal is such a great tool because it’s an objective measure. If you’re honest with what you accomplish each day, you will be able to really see if you’re moving forward or standing still. And one thing I can assure you is nothing is ever accomplished by standing still so take action today to find out in which direction you’re headed.
The Seven Laws of Success
I recently came across Mike Murdoch of Inspiration Ministries “Seven Laws” for success in life thanks to another Facebook Friend. I’m recapping them here because I think they are great lessons for contemplation and reflection and provide a template for what some may consider the 7 laws you need to ponder, harness and/or live by to have true success in life. They are:
Law # 1 The Law of difference
This is having the wisdom to be able to discern difference. What makes you different from everyone else. What problem can you solve?
Law#2 The Law of the MindKnowing how to focus the mind, to rule the mind, to make the mind work for you, not let the mind control you. To learn, to be focused, to concentrate, to have a picture in your mind of what you want and go for it, like visualization. See it. Have pictures up on the wall.
Law# 3 The Law of Recognition
The thing you need is there; it’s just a matter of recognizing it. If there’s something missing in your life, there’s more than likely something you’re not seeing. Most of the time it’s right in front of your face but you are so conditioned and so distracted that you don’t see it. I like this one a lot. Tai chi helps with this, and taking the time for contemplation and meditation. What are you not seeing?
Law #4 The Law of 2
Mike Murdoch speaks of the power of covenant, and that the difference in seasons is a person. One person can change your life in 24 hours. All you need is one person to recognize what is special about you, to take you on as a mentor to you, to enter into a covenant with you. Who is that person?
Law #5 The Law of Place
Where you are is as important as what you are. Mike Murdoch speaks of Jesus, who had to leave his hometwown and preach elsewhere to be recognized. When you are where you belong, your genius emerges. So it behooves us to consider whether we are where we need to be, and if not, where is that place.
Law #6 The Law of Honor
Your future is determined by who you have chosen to honor. You must have a code of honor. Honor is a seed that will outlast a lifetime.
Law #7 The Law of the Seed
Our offerings to God are seeds that produce a harvest. There are many types of seeds in our life. Honor is the seed for access, kindness is a seed, time is a seed, love is a seed, teaching is a seed, giving is a seed. This law is to work in the financial arena as well
Which of these laws is most important to you?
Law # 1 The Law of difference
This is having the wisdom to be able to discern difference. What makes you different from everyone else. What problem can you solve?
Law#2 The Law of the MindKnowing how to focus the mind, to rule the mind, to make the mind work for you, not let the mind control you. To learn, to be focused, to concentrate, to have a picture in your mind of what you want and go for it, like visualization. See it. Have pictures up on the wall.
Law# 3 The Law of Recognition
The thing you need is there; it’s just a matter of recognizing it. If there’s something missing in your life, there’s more than likely something you’re not seeing. Most of the time it’s right in front of your face but you are so conditioned and so distracted that you don’t see it. I like this one a lot. Tai chi helps with this, and taking the time for contemplation and meditation. What are you not seeing?
Law #4 The Law of 2
Mike Murdoch speaks of the power of covenant, and that the difference in seasons is a person. One person can change your life in 24 hours. All you need is one person to recognize what is special about you, to take you on as a mentor to you, to enter into a covenant with you. Who is that person?
Law #5 The Law of Place
Where you are is as important as what you are. Mike Murdoch speaks of Jesus, who had to leave his hometwown and preach elsewhere to be recognized. When you are where you belong, your genius emerges. So it behooves us to consider whether we are where we need to be, and if not, where is that place.
Law #6 The Law of Honor
Your future is determined by who you have chosen to honor. You must have a code of honor. Honor is a seed that will outlast a lifetime.
Law #7 The Law of the Seed
Our offerings to God are seeds that produce a harvest. There are many types of seeds in our life. Honor is the seed for access, kindness is a seed, time is a seed, love is a seed, teaching is a seed, giving is a seed. This law is to work in the financial arena as well
Which of these laws is most important to you?
5 Financial Books You Must Read in 2010
Forget everything that you’ve heard about getting rich quick. The truth is there is no such thing as getting rich quick. The truth is if you want true financial knowledge, it is something that you acquire over time through experience and studying.
As such, I decided to put together a list of the top 5 books that I think you should read this year. While books like Rich Dad, Poor Dad, The Millionaire Next Door or the Automatic Millionaire are great books that you normally see on the list of the top personal finance books, I wanted to stretch your mind by making you aware of some other great financial books full of financial knowledge.
The top 5 books to read this year are:
1. I Will Teach You To Be Rich
by Author Ramit Sethi – This is a must read book by Author Ramit Sethi . It offers in plaing English with great simplicity how to create financial security. It explains saving, investing, budgeting and banking in a hip, trendy way. It’s geared toward the 20-35 age group.
2. The Only Investment Guide You'll Ever Need
by Andrew Tobias. Want sound investment advice? Want to learn how to navigate and understand the world of treasury bills, mutual funds, Roth IRA, municipal bonds and other financial vehicles? If so, this is a MUST read. This book is a pretty entertaining but informative read.
3. Living Simply with Children: A Voluntary Simplicity Guide for Moms, Dads, and Kids Who Want to Reclaim the Bliss of Childhood and the Joy of Parenting
by Marie Sherlock
– If you have your finances in order and you want to help your kids avoid the debt and rat race trap, this is a great book on how to raise kids who aren’t materialistic.
4. The Ultimate Depression Survival Guide: Protect Your Savings, Boost Your Income, and Grow Wealthy Even in the Worst of Times
by Martin Weiss This books shows you how to create a financial roadmap that proves successful even in the worst economic climate.
5. The Total Money Makeover: A Proven Plan for Financial Fitness
by Dave Ramsey – If you want to get started on the path to financial freedom, this book is a must have for you. This book is very practical and shows you how to do everything including how to get out of debt.
As such, I decided to put together a list of the top 5 books that I think you should read this year. While books like Rich Dad, Poor Dad, The Millionaire Next Door or the Automatic Millionaire are great books that you normally see on the list of the top personal finance books, I wanted to stretch your mind by making you aware of some other great financial books full of financial knowledge.
The top 5 books to read this year are:
1. I Will Teach You To Be Rich
2. The Only Investment Guide You'll Ever Need
3. Living Simply with Children: A Voluntary Simplicity Guide for Moms, Dads, and Kids Who Want to Reclaim the Bliss of Childhood and the Joy of Parenting
– If you have your finances in order and you want to help your kids avoid the debt and rat race trap, this is a great book on how to raise kids who aren’t materialistic.
4. The Ultimate Depression Survival Guide: Protect Your Savings, Boost Your Income, and Grow Wealthy Even in the Worst of Times
5. The Total Money Makeover: A Proven Plan for Financial Fitness
by Dave Ramsey – If you want to get started on the path to financial freedom, this book is a must have for you. This book is very practical and shows you how to do everything including how to get out of debt.
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