What you choose determines your career. 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. In this document, find 8 steps to Personal Greatness and Financial Freedom...

1. 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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2. 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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3. 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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4. 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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5. 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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6. 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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7. 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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8. 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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9. 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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10. 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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11. Success Goals: How to Make a Business Career - 11
Resources
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