Tag Archives: Mindset

Thoughts of the Day

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Gratitude is a Super Power!

Gratitude is a choice, not just a feeling. You must choose to live a life in gratitude and therefore gratitude is an attitude and virtue. Gratitude is a virtue you choose to live your life by.

“Gratitude is not only the greatest of all virtues but the parent of all the others.” Cicero (106-43bc), Roman Philosopher

Angeles Arrien wrote: “The practice of offering gratitude bestows many benefits. Anger, arrogance, and jealousy melt in its embrace. Fear and defensiveness dissolve. Gratitude diminishes barriers to love and evokes happiness, keeping alive what has meaning for us.”

Gratitude is recognizing the fact that everything good that happens in your life is a gift. Not something we’re entitled to, or should expect, but actually a very sweet gift.

“The more you praise and celebrate your life, the more there is in life to celebrate.” – Oprah Winfrey

“Acknowledging the good that you already have in your life is the foundation for all abundance.” ~Eckart Toll

“Success is the sum of small efforts repeated day in and day out.”– Robert Collier

“Destiny is not a matter of chance, it is a matter of choice. It is not a thing to be waited for, it is a thing to be achieved.” -William Jennings Bryan

“Minimalism isn’t about removing the things you love. It’s about removing the things that distract you from the things you love.” ~Joshua Becker Over

“In every season of our life, we’re tempted to focus on our present burdens and miss the opportunities and blessings.

We love it when we receive the blessing, the promotion, the new house, the baby, but with the blessing comes new burdens, responsibilities, payments, cares.

Rather than enjoy where we are on the way to where we’re going, we get so caught up in the challenges that we miss the beauty of this moment.

You could be in one of the best seasons of your life, but you don’t realize it because you’re focused on the struggles, on what you don’t like, on what’s taking so long.

At some point you have to put your foot down and say, “This is the day the Lord has made”, and I will not allow my burdens to steal my joy, my peace and my enjoyment of my blessings.

Change your perspective and attitude. Shift your focus from life’s burdens to the blessings and opportunities, from what’s wrong to what’s right, from what you don’t have to what you have.

Make the most of abundant joy and peace every day.

“Being grateful all the time isn’t easy. But it’s when you least feel thankful that you are most in need of what gratitude can give you: perspective. Gratitude can transform any situation. It alters your vibration, moving you from negative energy to positive. It’s the quickest, easiest most powerful way to effect change in your life — this I know for sure.” ~ Oprah Winfrey

References:

  1. https://www.joelosteen.com/en-US/inspiration/todays-word/2021/03/21/20/06/Todays%20Blessings

Growing Your Gratitude

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“The single greatest thing you can do to change your life today would be to start being grateful for what you have right now. And the more grateful you are, the more you get.” — Oprah Winfrey

By cultivating a life of gratitude, you will be able to feel joy no matter what your circumstances are. As dark as things might seem, if you can dig deep and find something to be grateful for, your whole attitude can change.

According to an article in Psychology Today, “Scientists say that these techniques (focusing on gratitude) shift our thinking from negative outcomes to positive ones, elicit a surge of feel good hormones like dopamine, serotonin and oxytocin, and build enduring personal connections.”

Being grateful shouldn’t be reserved for those times when it’s easy to be grateful, either. Gratitude promotes life. It’s optimistic. Practical. It takes courage and brains to be grateful.

Gratitude clears the way for positive choice and change. It motivates and moves you into a higher place so you feel better. Hopeful. Strong.

When you appreciate things you’re kinder. Gratitude boosts you physically, mentally and emotionally.

Gratitude helps you build wealth

Nourishing yourself with gratitude makes you feel stronger, more alert and alive. It builds up and strengthens your entire body, mind and spirit.

Six strategic steps to fill up your gratitude account:

  1. Call it “intentional gratitude” or “conscious appreciation” but build a new habit of expressing gratitude frequently. It will make you feel fortunate, powerful and kind.
  2. Create a specific daily mantra for yourself — a prayer, wish, vow or commitment —
    ‘I am grateful for_______________’. Have it in your mind. Say it to people. Write it in notes and emails.
  3. “Thank you” takes one second to say. Consciously look to express it and do good things often. Don’t miss an opportunity to be grateful.
  4. Start a Daily Gratitude Journal – Write 3 things you’re grateful for every night before bed.
  5. How does gratitude live in the world? Look for examples in music, art, literature, daily life, history, people you see and know.
  6. Acknowledge negativity and counter it with genuine appreciation and thanks.

“Gratitude is strongly and consistently associated with greater happiness. Gratitude helps people feel more positive emotions, relish good experiences, improve their health, deal with adversity, and build strong relationships…regardless of the inherent or current level of someone’s gratitude, it’s a quality that individuals can successfully cultivate further.”

References:

  1. https://www.huffpost.com/entry/grow-your-gratitude-six-easy-steps-for-smart-people_b_5760096
  2. https://www.aplanforjoyinthehome.com/grow-in-gratitude/
  3. https://www.seventeen.com/life/a37198250/gratitude-quotes/

Major Definite Purpose

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“A man without a definite major purpose is as helpless as a ship without a compass.” – Napoleon Hill

Napoleon Hill emphasized in his book “Think and Grow Rich” that the first step of learning how to “Think and Grow Rich” is figuring out what you desire more than anything else – and then coming up with a plan to act on it.

Hill puts a great importance on individuals deciding on a definite major purpose. Yet, it’s not unheard of for people to get stuck on this first step.

In fact, the #1 question that most ask is: “How do I determine what my definite major purpose is? I just don’t know what it is I want to do!”

It is said widely that ninety-five percent of the people of the world drift through life aimlessly without definite purposes for their lives.

Psychological reason for having a definite purpose in life implies that one’s actions are determined by the thoughts of one’s mind. Therefore, if you deliberately hold your definite purpose in your mind with the expectation of it realization, this will permeate your subconscious mind to the point where it will automatically influence the actions needed to achieve your definite purpose.

Once you determine your definite purpose, make sure that it is well-defined. You must write it down and place it where you can see it as soon as you open your eyes in the morning and the last thing that you see before you close your eyes at night.

What is your Life’s Mission? What is the number one purpose in your life? Why are you here? What are the most important accomplishments you desire? And what are you willing to give in return for them? 

What one great thing would you dare to dream if you knew you could not fail, asks Brian Tracy?

“If you could be absolutely guaranteed of successfully achieving any goal, large or small, short term or long term, what one goal would it be?  Whatever you answer to this question, if you can write it down, you can probably achieve it.  From then on, the only question you should ask is, ‘How?’  The only real limit is how badly you want it and how long you are willing to work toward it.” Brian Tracy

Once you know your bigger purpose, it’s easier to figure out your next actions.  And, when you know your bigger purpose, it can help you funnel your time, talent, energy, and effort into something that really matters to you.

Definite Purpose:

If you cannot see the end of the journey, you cannot plot the course to that destination.

Thus, it’s essential to determine “The one goal that is most important to you at the moment. It is usually the one goal that will help you to achieve more of your other goals than anything else you can accomplish,” Tracy writes. In his, “6 Attributes of Your Major Definite Purpose,” Tracy writes:

  1. Your major definite purpose must be something that you personally really want, excites you and makes you happy.
  2. Your major definite purpose must be clear and specific.  You must be able to define it in words and must be able to write it down.
  3. Your major definite purpose must be measurable and quantifiable.
  4. Your major definite purpose must be both believable and achievable.
  5. Your major definite purpose should have a reasonable probability of success.
  6. Your major definite purpose must be in harmony with your other goals and aligned with your values.

“Decide now what you desire from life and what you have to give in return.”

To achieve success, you have know exactly what you want and what you are willing to give-up in return….success and achievement are a two-way street.

References:

  1. https://sourcesofinsight.com/major-definite-purpose/
  2. https://www.mavericonsulting.com/news/2018/12/14/what-is-definiteness-of-purpose-and-why-is-it-so-importantnbsp
  3. https://thinkandgrowrichinstitute.com/definite-major-purpose/

Since 1937, over 120 million copies of Think & Grow Rich have been sold, and it’s the #1 book most people who have successfully built wealth credit with their success.

Thought of the Day

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It’s a lot harder to get somewhere in life if you don’t know where you want to go…no Definiteness of Purpose.

Take some time and think about what you really want in life. When you know, the wind will start blowing.

Failure has to be part of Growth

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Failure has to be part of growth.

“As a company grows, everything needs to scale, including the size of your failed experiments. If the size of your failures isn’t growing, you’re not going to be inventing at a size that can actually move the needle,” Jeff Bezos, founder of Amazon wrote in his 2018 annual letter to shareholders.

This tolerance for failure is deeply ingrained in Amazon’s culture. It’s a point Bezos has made every year since the very first Amazon shareholder letter in 1997.

“We will continue to measure our programs and the effectiveness of our investments analytically, to jettison those that do not provide acceptable returns, and to step up our investment in those that work best. We will continue to learn from both our successes and our failures.”

References:

  1. https://www.cnbc.com/2020/05/22/jeff-bezos-why-you-cant-feel-bad-about-failure.html
  2. https://www.businessinsider.com/how-amazon-ceo-jeff-bezos-thinks-about-failure-2016-5

What is Success

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“You are the only one who knows whether you have won.” John Wooden

The best definition of success I’ve read was written by legendary UCLA men’s college basketball coach John Wooden who knew and achieved extraordinary success on the college basketball hardwood. His definition of success was:

“Success is peace of mind that is the direct result of Self-satisfaction in knowing you did your best to become the best you are capable of becoming.”

As you can see from Coach Wooden’s perspective, each person is the only one who can ultimately determine his or her own success.

It’s up to you and every individual to become as good as you can become with your respective gifts and talents you’ve been given and in the environment you find yourself.

The author Napoleon Hill (Think and Grow Rich) dedicated his life and professional and career to understanding the work ethics and ethos of highly successful people like Thomas Edison and Henry Ford.

From his life’s work, Hill determined there were more than a dozen elements of success demonstrated by exceptional business and civic leaders that anyone can embrace and practice. A few of those elements are:

1. They have a definite aim in life.

Hill likens having just a vague aim to succeed to being a ship without a rudder. “Bear in mind that both your definite aim and your plan for attaining it may be modified form time to time… The important thing for you to do now is to learn the significance of working always with a definite aim in view, and always with a definite plan,” Hill writes.

2. They are self-confident.

To be capable of setting ambitious goals, you need to believe you can follow the plans to achieve them. And when you believe in yourself, others tend to believe in you as well.

3. They practice self-control.

Hill says that he did not start to become successful until he learned that he was working against himself whenever he gave into anger or arrogance. “No person ever became a great leader of others until he first learned to lead himself, through self-control,” he writes.

4. They are focused.

Successful people are able to concentrate their energy and skills toward specific goals without becoming distracted by irrelevant issues.

5. They are persistent.

Those who are able to achieve success are not stopped by the inevitable nonstop challenges and setbacks that are in their path to attaining their goals.

6. They are resilient.

“When you begin to realize that failure is a necessary part of one’s education, you will no longer look upon it with fear, and lo! the first thing you know, there will be no more failures!” Hill writes. “No person ever arose from the knockout blow of defeat without being a stronger and wiser human being in one respect or another.”

7. They work hard.

Hill says that this sounds simple enough, but it’s important to remember that even if you achieve your greatest goal, you need to continue pushing yourself or risk losing everything you worked for.

8. They are empathetic.

Hill’s favorite philosophical maxim is The Golden Rule, which states, “Treat others the way you would like to be treated.” He uses it as the final rung of the ladder to true success.

References:

  1. Wooden, John, and Carty, Jay, “Coach Wooden’s Pyramid of Success”‘, Revell Publishing, Grand Rapids, MI, 2015, pg. 12.
  2. https://www.businessinsider.com/the-magic-ladder-to-success-2014-8

Purpose in Life: Standing for Something

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“We have the vision, which is the what. We have the mission, which is the how. We have the purpose, which is the why.”

There is a well worn aphorism that goes, “If you don’t stand for something you will fall for anything.” In other words, you must have a purpose for your life, or you’re likely to live aimlessly and to live a life without meaning.

To psychologists, purpose is “an abiding intention to achieve a long-term goals that is both personally meaningful and makes a positive mark on the world.” The goals and dreams that foster a sense of purpose are ones that can potentially change the lives of other people, like launching an organization, researching a disease, or teaching kids to read.

Your purpose will change over the course of your lifetime as your identity and responsibilities changes when going from teen into adulthood, and make the shift to retirement.

Like happiness, purpose is a journey and a practice. That means it’s accessible at any age, if you’re willing to explore what matters to you and what kind of person you want to be—and act to become that person.

If we’re able to revisit and renew our sense of purpose as we navigate milestones and transitions, suggests this research, then we can look forward to more satisfying, meaningful lives.

It’s imperative for young and old alike to know and embrace their purpose in life. By doing so, it gives life meaning and a mission. It gets you up out of bed in the morning and make your day joyful and rewarding when done with purpose.

Vision Mission Purpose

A vision (What) is where you are going or what you will become. It’s what the future looks like if goals and intentions are accomplished and laid out to be the driving force of how you define success. It is your destination at a point in the near or distant future. Vision defines your goal and sets the expectation of what you’ll experience when you arrive at the destination.

A mission (How) is an actionable vision statement — something that will give the vision legs and traction. It’s the what, who and why. It helps you define the immediate goals and helps you stay focused on the plan. It is the path you follow to arrive at your destination: When someone asks you where you are going, they ask you how you are going to get there. Your mission is the how: the unique way you do what you do, the path you choose to follow, the decisions you make to get to your destination.

Purpose (Why) is your sense and feeling of resolve or determination. It’s your why for you are doing the work you are doing. What great problem are you solving, or what movement are you championing? It’s your why do you show up. It is the reason you began the journey, guided by the deeply-held values and beliefs that inspire it to make a difference.

Your purpose is the reason you exists beyond making money. And, once you know your purpose, you know what fulfills and completes you.

Purpose focuses on three elements:

  • Why do you believe you can make a difference? — Purpose needs a reason.
  • How do you achieve? — Purpose needs a plan.
  • What will it look like when you achieve it? — Purpose needs vision.

If you’re creating or evaluating your mission statement, substitute the words Why, How, and What for Purpose, Mission, and Vision. These substitutions will help you minimize any confusion between the terms and what they mean.

  • Purpose guides you. Your purpose articulates the why you do what you do, why you exists beyond making money.
  • Mission drives you. Your mission statement is how you accomplish your purpose. Your mission is what drives you every day to fulfill your purpose. It’s a direct path between your purpose and vision. Mission is doing what matters and eliminating the distractions; it activates the strategy that delivers results and impact.
  • Vision is where you aspire to be. Your vision statement is what you will experience and achieve in the future, the results you are reaching for, the measurable impact you want to make. Your vision reminds you what the difference you make will look like and what change will happen. Vision aligns leaders and followers. Vision keeps you on course, to fulfill your purpose.

Vision is the picture. Mission is the road map to get there. Purpose is the feeling that you have when you accomplish what you set out to do. For example, here is a life purpose that might resonate:

“My life purpose, to love and honor God, is foundational. My professional purpose is to be a ‘Builder’ of a future that transcends ways of working for the wellbeing of people and businesses throughout the world.” –Miles Everson, Former Vice Chairman, PwC US

Your mission is your vision in action, connecting your purpose. Here are a few additional examples of purpose statements:

  1. I want to instill in others the self-love and confidence that gives them the self-efficacy to excel and make their dreams come true.
  2. To live each day to the fullest and appreciate, as well as learn and grow from every experience.
  3. To achieve the education required to serve the purpose God intended for me. With that education, I will give back to society generously, and remarkably leave the world in some concrete way better than it was before my contribution.
  4. To be a father who raises sons to be caring, loving, respectful, responsible men, protective of their loved ones, and daughters to be caring, loving, respectful, responsible women who know their value and will not compromise it.

Billionaire investor Warren Buffett says, “The difference between successful people and really successful people is that really successful people say no to almost everything.” Once you have clear and meaningful purpose, vision and mission, you’re better able to focus your attention on what’s most important and what you value the most in life. And, you learn to say “no” to everything else.

References:

  1. https://greatergood.berkeley.edu/topic/purpose/definition
  2. https://www.forbes.com/sites/forbescoachescouncil/2020/03/04/vision-mission-and-purpose-the-difference/?sh=113e4e70280e
  3. https://www.aespire.com/blog/communications/the-difference-between-your-purpose-and-mission
  4. https://zety.com/blog/personal-mission-statement
  5. https://www.lifehack.org/articles/lifestyle/10-wise-lessons-what-i-wish-i-knew-when-i-was-younger.html

Believe in yourself.

You are often your own worst critic, and so can you be your own best supporter. If you do not have confidence in your own value, abilities and contribution, then nobody else will either. You must have faith in your intrinsic worth. We each have something to offer that is necessary and valuable, though we may not know what that something is.

You do not have to be able to see the end zone. Just because you aren’t able to visualize where you might go and how you might succeed, that doesn’t mean it will not happen. And just because you may have made mistakes does not mean that you can’t achieve your goals in the future. You can do far more than you can imagine if only you believe you can.

The Present and In All Things Be Grateful

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“A happy man is too satisfied with the present to dwell too much on the future.” –Albert Einstein

The present is also the only place where happiness and peace can be experienced. Sadly though, the past and future are where many people choose to live their lives.

Equally important is that whatever happens in the now, there is always a choice in how to respond.

How you decide respond to what happens to you will be the ultimate deciding factor as to the quality of success, peace and happiness you will have in life.

Be Grateful For What You Have Now

Part of living in the present moment is taking the time to be grateful for what you have now (not in the past or in the future). If you are constantly focused on things you don’t have, you aren’t taking the time to appreciate what you have right now at this moment.

One way to practice gratitude is to write a list of things you are grateful for and review that list on a daily basis. Try to write at least three things you are grateful for in your life right now.

Alternatively, you can write out as many things as you can think that you’re grateful for.

In short, in all things be grateful.

References:

  1. https://www.success.com/if-you-want-to-be-happy-tell-the-big-mouth-inside-your-head-to-shut-up/
  2. https://www.verywellmind.com/how-do-you-live-in-the-present-5204439

Just for Today

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Think and act cheerfully, and you will feel cheerful.

Create your happiness by follow daily program of cheerful and constructive thinking written by Sibyl F. Partridge.

  1. Just for today, I will be happy. This assumes that what Abraham Lincoln said is true, that “most folks are about as happy as they make up their minds to be.” Happiness is from within; it is not a matter of externals.
  2. Just for today, I will try to adjust myself to what is, and not try to adjust everything to my own desires. I will take my family, my business, and my luck as they come and fit myself to them.
  3. Just for today, I will take care of my body. I will exercise it, care for it, nourish it, not abuse or neglect it, so that it will a perfect machine for my bidding.
  4. Just for today, I will try to strengthen my mind. I will learn something useful. I will not be a mental loafer. I will read something that requires effort, thought and concentration.
  5. Just for today, I will exercise my soul in three ways; I will do somebody a good turn and not get found out. I will do at least two things I don’t want to do, as William James suggest, just for exercise.
  6. Just for today, I will be agreeable. I will look as well as I can, dress as becomingly as possible, talk low, act courteously, be liberal with praise, criticize not at all, not find fault with anything and not try to regulate nor improve anyone.
  7. Just for today, I will try to live this day only, not to tackle my whole life problem at once. I can do things for twelve hours that would appall me if I had to keep them up for a lifetime.
  8. Just for today, I will have a program and plan. I will write down what I expect to do every hour. I may not follow it exactly, but I will have it. I will eliminate two pests, hurry and indecisive.
  9. Just for today, I will have a quiet half-hour all by myself and relax. In this half-hour sometimes I will think of God, so as to get a little more perspective on life.
  10. Just for today, I will be unafraid, especially I will not be afraid to be happy, to enjoy what is beautiful, to love, to believe that those I love, love me.

Written by Sybil F. Partridge and printed in How To Stop Worrying, And Start Living by Dale Carnegie, 1951

Gratitude and Building Wealth

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“Be thankful for what you have; you’ll end up having more. If you concentrate on what you don’t have, you will never, ever have enough.” – Oprah Winfrey

Gratitude is the secret to building wealth! Why? Because gratitude turns what you have into enough. This is what makes gratitude a foundational element to wealth building. Gratitude allows you to find joy in what you already have. Keeping up with the Jones is the silent stealer of wealth.  Comparison is the thief of joy.  

Gratitude, the practice of appreciating all that the stuff you currently own, is an essential factor in building wealth over the long term. For example,

Gratitude allows you to appreciate and focus on the assets you already own.

“Gratitude in advance is the most powerful creative force in the universe. Most people do not know this, yet it is true. Expressing thankfulness in advance is the way of all Masters. So do not wait for a thing to happen and then give thanks. Give thanks before it happens, and watch energies swirl! To thank God before something occurs is an act of extraordinary faith. And that, of course, is where the power comes from.” — Neale Donald Walsch

The way to your best life is owning every moment and staking a claim to the here and now, according to Oprah Winfrey. “I live in the space of thankfulness — and for that, I have been rewarded a million times over. I started out giving thanks for small things, and the more thankful I became, the more my bounty increased. That’s because — for sure — what you focus on expands. When you focus on the goodness in life, you create more of it.”

Oprah says when she started keeping a gratitude journal more than 2 decades ago, it was one of the most important things she’s done. The daily practice of writing down five things to be grateful for balanced her life in subtle and inspiring ways. “It sounds simple,” Oprah says, “but when you go through the day staying conscious about what you put on your gratitude list, it shifts the lens through which you see the world.”

The practice of gratitude begins with being grateful for all the things you currently have – family, friends, experiences, and assets. Gratitude is focusing on all that you have and being thankful.

Wealth is much more than material things and owning assets. It is the presence of having a life filled with happiness in being, doing, and having what you want in life.

All too often, you fail to recognize your accomplishment because you are too busy moving onto the next task on your agenda. Yet, much of your success has to do with the people around you who have helped you focus on what’s important and helped you reach your goals.

Always remember, success, like wealth building, is a journey.

Building Wealth Takes Time

Some people are reluctant to make a wealth-building plan because they don’t want to wait 10 years. They would rather enjoy their money now.

The folly with this type of thinking is that most of us are going to be alive in 10 years. The question is whether or not you will be better off 10 years from now than you are today. Where you are right now is the sum total of the decisions you have made in the past. Practicing gratitude now can line you up for success and wealth building in the future.

Measure and focus on what you want more of. What you focus on expands.

You may think of money and wealth when you hear of measuring what you want more of, however; the same holds true for expressing gratitude. Make a list of things you are grateful for or write out what you are grateful for in a journal.

Complaining, blaming, or venting puts your focus on the negative things in life. You may wonder why some people seem more abundant than others.

To build wealth, it’s best to follow the two strategies that have the highest chances of success. And that is to practice gratitude, and to get into the habit of saving and investing early and to keep it up.

Gratitude is the key to building wealth

You might think building wealth is all about money, but it’s also very much about mindset. If you want to cultivate a money mindset that helps you build wealth, gratitude is a key component. Because gratitude can help shift your mindset from scarcity to abundance, help you spend less, and feel better. 

There is so much abundance in front of you if you choose to see it. The more you intentionally work to change your mindset, the easier it will become to see the abundance in life.

Actively practicing gratitude helps you realize how much you have to be grateful for right now instead of focusing on what’s missing. 

A scarcity mindset focuses on what’s missing and always wants more. It feels like there is never enough. This mindset can be harmful to your financial health because you can make poor decisions out of fear.

When you are in an abundance mindset, you realize your opportunities are limitless. You believe there’s never enough, instead you think there is always more than enough. Focusing on abundance can help you attract more money and have a healthier money mindset. 

Gratitude can help build that abundance muscle. Let’s say that you have a studio apartment but you dream of having your own 2-bedroom house. You don’t have the car you want now but imagine getting a Tesla. 

When you focus on gratitude, you focus on the fact that you have a roof over your head, that you’re healthy, and that your car still works instead of focusing on the fact that you don’t have a 2-bedroom house or Tesla yet. 

When you focus on gratitude and appreciate what you have now, you start to realize that you need even less than you thought. In today’s culture, we are conditioned to want more, to seek bigger and better, which of course affects our spending. 

Being content with what you have now can lead to less spending because you realize you have everything you need. That doesn’t mean that you can’t strive for more. It means that you can truly enjoy the journey rather than feel the emptiness of what’s missing. 

When you acknowledge and are grateful for whatever you have, it allows more to be drawn to you and changes the way you experience life. The more grateful you are, the more wealth that you have.

“Feeling grateful or appreciative of someone or something in your life actually attracts more of the things that you appreciate and value into your life.” — Christiane Northrup

References:

  1. https://debrakasowski.com/2014/02/22/what-does-gratitude-have-to-do-with-wealth-building/
  2. https://www.goalcast.com/7-oprah-winfrey-quotes-to-charge-your-day-with-gratitude/
  3. https://www.oprah.com/own-podcasts/oprah-winfrey-grace-and-gratitude
  4. https://www.newretirement.com/retirement/keys-to-building-wealth-after-50/
  5. https://www.thebalance.com/how-to-become-wealthy-356376
  6. https://grow.acorns.com/self-made-millionaire-money-habits/