MKS-14: The Business of the 21st Century 50-30-20 Rule to Financial Freedom

15 Best Finance Definition ideas | how to plan, finance, money saving tips

The 50-30-20 Rule. While we all define success differently, money is typically one of the factors in the equation.

Some people hope to become incredibly wealthy. Most want to achieve a degree of financial freedom, and the peace of mind that comes with it.

And then there is people don’t want to be rich. They want to be able to choose. The [more money you have], the more choices you have. That is the freedom of money.”

The 50/30/20 rule of thumb is a guideline for allocating your budget accordingly: 50% to “needs,” 30% to “wants,” and 20% to your financial goals. It was popularized by Elizabeth Warren and her daughter, Amelia Warren Tyagi. Your percentages may need to be adjusted based on your personal circumstances.

The 50-20-30 (or 50-30-20) budget rule is an intuitive and simple plan to help people reach their financial goals. The rule states that you should spend up to 50% of your after-tax income on needs and obligations that you must-have or must-do.

Sounds great.

But when you are barely making ends meet, achieving even a semblance of that kind of freedom also sounds impossible.

Where do you even start? A simple approach is to adopt the 50-30-20 rule of thumb for budgeting.

Let us break it down

If you implement the 50/30/20 rule properly it will help you spend less, save more, and reach your financial goals faster. Step 1: Figure out Your Take-Home Pay. The first step to using the 50/30/20 rule is to figure out your take-home pay, or after-tax income.

The 50-30-20 Rule: The Basics

Start by putting your monthly income (and spending) into three basic categories.

Needs: 50 Percent

Think of needs as relatively fixed costs. Housing. Utilities. Food. Clothing. Insurance. Debt payments (payments on things you already have, not on things you may finance in the future).

Needs are truly needs. Netflix is not a need. Starbucks is not a need. Food is a need but eating out is not a need. Current debt payments are, for now, a need since you need to make them.

Hold that thought because we will come back to it.

Wants: 30 Percent

Think of wants as desires. Entertainment. Hobbies. Vacations.

Anything you do not have to have to survive — even if some seem so important you cannot imagine doing without.

Keep in mind the easiest way to blow your budget is to mistake desires for needs. We all need to decompress, but how we decompress, and how much money we spend to relax and recharge, is a choice.

The same is true for “upgrades.” If I commute to work, I need a car. But I do not need, say, a Porsche. So, the upgrade portion of car expenses — and any other expenses — should go into the “want” category. Like eating out. We all need to eat. But we do not need to eat out; the difference in cost falls into the “want” category.

Or take fitness; I see staying fit as a need, but a $1,500 to $2,000 bike meets all my cycling fitness needs. I may want an $8,000 bike, but I do not need one. So, if I decide to buy a high-end bike, the extra $6,000 should go into the “want” category.

Granted, we all define “basic” needs differently. Plus, we all tend to ratchet up our expectations of “basic” as we earn more money. Or to think we “deserve” certain things.

But that is a slippery financial slope; if you consistently increase your spending to match your paycheck, you will never get ahead.

And find yourself wondering why.

Again: Be ruthless when you categorize “wants” and “needs.”

Financial Goals: 20 Percent

Emergency savings. Investments. Retirement funds. College funds. Paying off debt. (Not making minimum payments, but making additional principal payments, like adding an additional $50 to your credit card payment.)

If you are barely scraping by, this category probably has very few entries.

Putting the 50-30-20 Rule into Action

Once you have placed all your spending into categories, do the math: Divide the total of each category by your total monthly income.

Let us work through an example. The Census Bureau says the U.S. median income is just over $31,000. After taxes, that is a net of around $2,000 a month.

Using the 50-30-20 rule, $1,000 should go to needs, $600 to wants, and $400 to savings and paying down debt.

Granted, that is a tough ask. Taking care of housing, food, transportation, and other basic needs on $1,000 a month is daunting, if not impossible. So, your ratios may be different. Your “needs” money may take up the bulk of your income, and your savings percentage may be nonexistent.

So where should you start?

Take a hard look at your needs. Any item you can eliminate or reduce helps rebalance your ratios. Pay special attention to recurring expenses. Every year we shop for better insurance rates; every year we do a little better. (It is amazing how discounts suddenly appear when your business may be lost.)

Same is true for things like cable; call and say, “I think I need to cancel my cable subscription. It’s too expensive,” and the rep will magically find ways to cut your costs.

Take a close look at every need and see if there is a way to reduce, or work to someday eliminate, the cost.

Take a harder look at your wants. Right now, what you really need — and should really want — is to gain a sense of financial freedom. Short term, that will likely mean a little sacrifice.

But once you get through the period, barring unforeseen circumstances, you will never have to take such harsh measures again. Trust me: The tradeoff is worth it.

Be smart about savings. Financial experts love to say, “pay yourself first.” And you should. But sometimes paying yourself means paying off high-interest debt.

As Warren Buffett says, “If I owed any money at 18 percent, the first thing I’d do with any money I had would be to pay it off. It’s going to be way better than any investment idea I’ve got.”

So, if you have high-interest-rate debt, see paying it off as a form of investment — because it is. Putting an extra $100 toward a high-interest debt is like making 15 percent on that $100. And there is a bonus: Once that debt is paid off, the principal portion of the payment comes out of your “needs” category, making your ratios shift even more in your favor. 

What Is the 50/20/30 Budget Rule?

The Bottom Line

Keep in mind the 50-30-20 rule is just a guide. If your income is relatively low and you have a big family, saving 20 percent may be a struggle.

If you are doing relatively well and want to put 20 percent down on your first home, “only” saving 20 percent may mean it takes a while to get there. (The median house price in Austin, Texas, is more than $400,000, which means you will need to save $80,000 just to cover the 20 percent down payment.)

That is why the real value of the 50-30-20 rule may be that it forces you to take a close look at what you spend — and at your short- and long-term goals. 

If you can generate more income, great: The more you make, the more money available to fund each category. Still, making more money is only partly in your control. You can get a part-time job. Or start a side hustle. Or work incredibly hard to increase your business’s revenue, or your income.

But there are only so many hours in the day. And building an extremely successful business takes time.

So, for now, the only way to have more money is to spend less money. Knowing when a need is actually a want. Knowing when an upgrade is a want, and not a need. Knowing that money you spend today is money you get back — and that putting money aside now is the only way to build wealth.

Knowing where, and how, you spend money — and making smart decisions about where and how to spend it in the future.

That is the only way to achieve at least some degree of financial freedom, and to enjoy the increased number of choices that come with it.

If you are seeking proven ways to financial freedom that you can do in as little as an hour a day contact us.

Michael Kissinger

Sydney Reitenbach

Phone: 415-678-9965

Email: mjkkissinger@yahoo.com

MKS-13: “The Secret Laws” of the Business of the 21st Century

Learn the Success Factors and Laws that Adhere to Lifelong Achievement and Guarantee Your Success

What stands between you and the life you want to live?

Have you ever wondered why certain people seem to win in life, over and over, while you continue to spin your wheels, the finish line ALWAYS just out of reach?

Maybe you’re adept at setting goals, but always encounter obstacles that hinder your progress or halt it all together.

Or maybe you know you want more out of life, but aren’t sure how to get started – and despite your constant hard work, you just never feel quite satisfied.

So what do those winners have that you don’t?

You know you’re smart, hard-working, and destined for more… so where is it?

Life doesn’t have to feel like an endless series of disappointments.

You CAN create the exact experience you want – starting now. You CAN join the people you see as winners – and cross the finish line, every time.

There are Laws or Principles by which everything in the Universe is governed.  The Universe exists by virtue of these Laws, which form its framework, and which hold it together. The Universe exists in perfect harmony by virtue of these Laws.

Knowing these Universal Laws and the basic Law of Attraction, and learning how to transcend the mutable Laws, is fundamental to changing the circumstances of your life so that you can consciously create your intended reality and achieve true mastery.

Ancient mystical, esoteric, and secret teachings dating back over 5,000 years from Ancient Egypt to Ancient Greece and to the Vedic tradition of Ancient India, all have as their common thread these seven Spiritual Laws of the Universe.

Once you understand, apply, and align yourself with these Universal Laws, you will experience transformation in every area of your life beyond that which you have ever dared to imagine.

When I was younger, I often asked myself, “Why do all those other people keep succeeding, while I keep struggling?”

Determined to find the answer, I launched into what would turn into a lifelong study of what makes some people more successful than others.

During the course of my study, I discovered there are hundreds of Universal Laws at work, all the time, whether we know (or care) about them. These are the laws of nature – like gravity, they’re always present.

When you learn to use these laws and implement them in your life, you live in harmony with the universe – and the universe provides everything you want and need.

When you know, understand and implement these universal laws, you:

  • Predict and create your own future
  • Turn what you have right now into the riches you’ve always dreamed of
  • Win in every situation
  • Suddenly feel “lucky,” all the time
  • Gain clarity and purpose as you move your life forward
  • FINALLY know exactly how to create a life you truly love – filled with personal satisfaction
The 7 Laws of Prosperity - Kenneth Copeland Ministries Blog

The 7 Spiritual Laws of Success

Too many of us grew up with the belief that achieving success requires relentless hard work, grim determination, and intense ambition. As a result, we may have struggled for years and even reached some of our goals but wound up feeling exhausted, our lives out of balance.

In The Seven Spiritual Laws of Success, Dr. Deepak Chopra reveals that such desperate striving isn’t necessary or even desirable. In the natural world, creation comes forth with ease. A seed does not struggle to become a tree―it simply unfolds in grace.

The Seven Spiritual Laws are powerful principles; put into practice they set you on a direct course to authentically achieve your goals.

The laws of success are easy to understand and apply. Use these daily steps to incorporate The Seven Spiritual Laws into your life:

The Law of Pure Potentiality

Take time to be silent, to just BE. Meditate for 30 minutes twice a day. Silently witness the intelligence within every living thing. Practice non-judgment.

The source of all creation is pure consciousness . . . pure potentiality seeking expression from the unmanifest to the manifest. And when we realize that our true Self is one of pure potentiality, we align with the power that manifests everything in nature.

I will put the Law of Pure Potentiality into effect by making a commitment to take the following steps

  1. I will get in touch with the field of pure potentiality by taking time each day to be silent, to just Be. I will also sit alone in silent meditation at least twice a day for approximately 30 minutes in the morning and 30 minutes in the evening.
  • I will take time each day to commune with nature and to silently witness the intelligence within every living thing. I will sit silently and watch a sunset or listen to the sound of the ocean or a stream, or simply smell the scent of a flower. In the ecstasy of my own silence, and by communing with nature, I will enjoy the life throb of ages, the field of pure potentiality and unbounded creativity.
  • I will practice non-judgment. I will begin my day with the statement, “Today, I shall judge nothing that occurs,” and throughout the day I will remind myself not to judge.

The Law of Giving

Today, bring whomever you encounter a gift: a compliment or flower. Gratefully receive gifts. Keep wealth circulating by giving and receiving care, affection, appreciation, and love.

The Law of Giving and Receiving

The universe operates through dynamic exchange . . . giving and receiving are different aspects of the flow of energy in the universe. And in our willingness to give that which we seek, we keep the abundance of the universe circulating in our lives.

I will put the Law of Giving and Receiving into effect by making a commitment to take the following steps

  1. Wherever I go, and whomever I encounter, I will bring them a gift. The gift may be a compliment, a flower, or a prayer. Today, I will give something to everyone I come into contact with, and so I will begin the process of circulating joy, wealth, and affluence in my life and in the lives of others.
  • Today I will gratefully receive all the gifts that life has to offer me. I will receive the gifts of nature: sunlight, the sound of birds singing, spring showers, or the first snow of winter. I will also be open to receiving from others, whether it be in the form of a material gift, money, a compliment, or a prayer.
  • I will make a commitment to keep wealth circulating in my life by giving and receiving life’s most precious gifts: the gifts of caring, affection, appreciation, and love. Each time I meet someone, I will silently wish them happiness, joy, and laughter.

The Law of Karma

Every action generates a force of energy that returns to us in like kind. Choosing actions that bring happiness and success to others ensures the flow of happiness and success to you.

The Law of Karma or Cause and Effect

Every action generates a force of energy that returns to us in like kind . . . what we sow is what we reap. And when we choose actions that bring happiness and success to others, the fruit of our karma is happiness and success.

I will put the Law of Karma into effect by making a commitment to take the following steps

  1. Today I will witness the choices I make in each moment. And in the mere witnessing of these choices, I will bring them to my conscious awareness. I will know that the best way to prepare for any moment in the future is to be fully conscious in the present.
  • Whenever I make a choice, I will ask myself two questions: “What are the consequences of this choice that I’m making?” and “Will this choice bring fulfillment and happiness to me and also to those who are affected by this choice?”
  • I will then ask my heart for guidance and be guided by its message of comfort or discomfort. If the choice feels comfortable, I will plunge ahead with abandon. If the choice feels uncomfortable, I will pause and see the consequences of my action with my inner vision. This guidance will enable me to make spontaneously correct choices for myself and for all those around me.

The Law of Least Effort

Accept people, situations, and events as they occur. Take responsibility for your situation and for all events seen as problems. Relinquish the need to defend your point of view.

Nature’s intelligence functions with effortless ease . . . with carefreeness, harmony, and love. And when we harness the forces of harmony, joy, and love, we create success and good fortune with effortless ease.

I will put the Law of Least Effort into effect by making a commitment to take the following steps

1. I will practice Acceptance. Today I will accept people, situations, circumstances, and events as they occur. I will know that this moment is as it should be because the whole universe is as it should be. I will not struggle against the whole universe by struggling against this moment. My acceptance is total and complete. I accept things as they are this moment, not as I wish they were.

2. Having accepted things as they are, I will take Responsibility for my situation and for all those events I see as problems. I know that taking responsibility means not blaming anyone or anything for my situation (and this includes myself). I also know that every problem is an opportunity in disguise, and this alertness to opportunities allows me to take this moment and transform it into a greater benefit.

3. Today my awareness will remain established in Defenselessness. I will relinquish the need to defend my point of view, and I will feel no need to persuade others to accept my point of view. I will remain open to all points of view and not be rigidly attached to any one of them.

The Law of Intention and Desire

Inherent in every intention and desire is the mechanics for its fulfillment. Make a list of desires. Trust that when things do not seem to go your way, there is a reason.

The Law of Intention and Desire

Inherent in every intention and desire is the mechanics for its fulfillment . . . intention and desire in the field of pure potentiality have infinite organizing power. And when we introduce an intention in the fertile ground of pure potentiality, we put this infinite organizing power to work for us.

I will put the Law of Intention and Desire into effect by making a commitment to take the following steps

1. I will make a list of all my desires. I will carry this list with me wherever I go. I will look at this list before I go into my silence and meditation. I will look at it before I go to sleep at night. I will look at it when I wake up in the morning.

2. I will release this list of my desires and surrender it to the womb of creation, trusting that when things don’t seem to go my way, there is a reason, and that the cosmic plan has designs for me much grander than even those I have conceived.

3. I will remind myself to practice present-moment awareness in all my actions. I will refuse to allow obstacles to consume and dissipate the quality of my attention in the present moment. I will accept the present as it is, and manifest the future through my deepest, most cherished intentions and desires.

The Law of Detachment

Allow yourself and others the freedom to be who they are. Do not force solutions—allow solutions to spontaneously emerge. Uncertainty is essential, and your path to freedom.

In detachment lies the wisdom of uncertainty . . . in the wisdom of uncertainty lies the freedom from our past, from the known, which is the prison of past conditioning. And in our willingness to step into the unknown, the field of all possibilities, we surrender ourselves to the creative mind that orchestrates the dance of the universe.

I will put the Law of Detachment into effect by making a commitment to take the following steps:

1. Today I will commit myself to detachment. I will allow myself and those around me the freedom to be as they are. I will not rigidly impose my idea of how things should be. I will not force solutions on problems, thereby creating new problems. I will participate in everything with detached involvement.

2. Today I will factor in uncertainty as an essential ingredient of my experience. In my willingness to accept uncertainty, solutions will spontaneously emerge out of the problem, out of the confusion, disorder, and chaos. The more uncertain things seem to be, the more secure I will feel, because uncertainty is my path to freedom. Through the wisdom of uncertainty, I will find my security.

3. I will step into the field of all possibilities and anticipate the excitement that can occur when I remain open to an infinity of choices. When I step into the field of all possibilities, I will experience all the fun, adventure, magic, and mystery of life.

The Law of Dharma

Seek your higher Self. Discover your unique talents. Ask yourself how you are best suited to serve humanity. Using your unique talents and serving others brings unlimited bliss and abundance.

The Law of Dharma or Purpose in Life

Everyone has a purpose in life . . . a unique gift or special talent to give to others. And when we blend this unique talent with service to others, we experience the ecstasy and exultation of our own spirit, which is the ultimate goal.

I will put the Law of Dharma into effect by making a commitment to take the following steps

1. Today I will lovingly nurture the god or goddess in embryo that lies deep within my soul. I will pay attention to the spirit within me that animates both my body and my mind. I will awaken myself to this deep stillness within my heart. I will carry the consciousness of timeless, eternal Being in the midst of time-bound experience.

2. I will make a list of my unique talents. Then I will list all the things that I love to do while expressing my unique talents. When I express my unique talents and use them in the service of humanity, I lose track of time and create abundance in my life as well as in the lives of others.

3. I will ask myself daily, “How can I serve?” and “How can I help?” The answers to these questions will allow me to help and serve my fellow human beings with love.



The Seven Universal Laws

The Immutable and the Mutable: Of the seven Universal Laws, the first three are immutable, eternal Laws, meaning they are Absolute and can never be changed or transcended.

They have always existed and will always exist. The other four laws are transitory, mutable Laws meaning that they can be transcended or at least “better used” to create your ideal reality.

This is not to say that you should ignore these four Laws or attempt to defy them for even if you do, they will still govern your existence. Your aim is to master each of the seven Universal Laws and only then learn to transcend the mutable ones.

  1. The Law of Mentalism (Immutable): 

The first of the seven Universal Laws tells us that “The All is Mind – The Universe is Mental”. That everything we see and experience in our physical world has its origin in the invisible, mental realm. It tells us that there is a single Universal Consciousness – the Universal Mind – from which all things manifest. All energy and matter at all levels is created by and is subordinate to the Omnipresent Universal Mind. Your mind is part of the Universal Mind – the same in kind with the only difference being one of degree. Your reality is a manifestation of your mind. This is true Mind Power.

  • The Law of Correspondence (Immutable): 

The second of the seven Universal Laws tells us “As above, so below: as below, so above”. This means that there is “harmony, agreement and correspondence” between the physical, mental, and spiritual realms. There is no separation since everything in the Universe, including you, originates from the One Source. The same pattern is expressed on all planes of existence from the smallest electron to the largest star and vice versa. All is One. The Ancient Greek Temple of Apollo at Delphi was referring to this great Law of Correspondence in the inscription “Know thyself and thou shalt know all the mysteries of the gods and the Universe”.

  • The Law of Vibration (Immutable): 

The third of the seven Universal Laws tells us that “Nothing rests; everything moves; everything vibrates”. The third and last of the immutable Universal Laws, tells us that “the whole universe is but a vibration”. Science has confirmed that everything in the Universe, including you, is pure energy vibrating at different frequencies.

The axiom that “like energy attracts like energy”, upon which the Law of Attraction is based, has its foundation in this Law. Everything that we experience with our five physical senses is conveyed through vibrations. The same applies to the mental realm. Your thoughts are vibrations. All your emotions are vibrations where “unconditional love” (in the sense of love for another) is the highest and most subtle of the emotional vibrations and “hate” is the densest and most base. You can learn to control your mental vibrations at will. This is true thought power.

  • The Law of Polarity (Mutable): 

The fourth of the seven Universal Laws tells us that “Everything is dual, everything has poles; everything has its pair of opposites; opposites are identical in nature, but different in degree”. It is also the first of the mutable or transcendable Universal Laws. It means that there are two sides to everything. Things that appear as opposites are in fact only two extremes of the same thing. For instance, heat and cold may appear to be opposites at first glance, but in truth they are simply varying degrees of the same thing. The same applies to love and hate, peace, and war, positive and negative, good, and evil, yes, and no, light and darkness, energy, and matter. You can transform your thoughts from hate to love, from fear to courage by consciously raising your vibrations. This is what in the ancient Hermetic Teachings is called the Art of Polarization.

Rising Above the Law of Polarity: This Principle of Duality may appear to be very real in your life, but it operates only in the physical and mental realms, not in the spiritual realm where All is One. As it says in the Bhagavad-Gita, “God is Above the Opposites”. By always placing the all-powerful, all-knowing Great Spirit of which you are a part behind your every thought, statement and action, and by always focusing on the “good”, even when things appear to be going “bad”, then in time you will rise above the Law of Polarity.

  • The Law of Rhythm (Mutable): 

The fifth of the seven Universal Laws tells us that “Everything flows, out and in; everything has its tides; all things rise and fall; the pendulum-swing manifests in everything; the measure of the swing to the right is the measure of the swing to the left; rhythm compensates.” It is the second of the mutable or transcendable Universal Laws and means that the pendulum swings in everything. This principle can be seen in operation in the waves of the ocean, in the rise and fall of the greatest empires, in business cycles, in the swaying of your thoughts from being positive to negative and in your personal successes and failures. In accordance with this Law, when anything reaches a point of culmination then the backward swing begins almost unnoticeably until such time that any forward movement has been totally reversed, then the forward movement begins again, and the process is repeated.

Rising Above the Law of Rhythm: To transcend the swing of the pendulum, you must become aware of the subtle start of the backward movement in any of your endeavors whether it be to improve your health, your finances, your relationships or any goal you may set in motion. When you feel the Law start to draw you back do not become fearful or discouraged. Instead, knowing that you are one with the Omnipotent Universal Mind for which nothing is impossible, keep your thoughts focused on your outcome and fight to remain positive no matter how far back this transitory Law pulls you. Even if your efforts meet with failure, find comfort that by virtue of this very same Law, the upward motion must start again. In time, your perseverance will be rewarded as the backward movements become less negative relative to your previous backward swings and you raise yourself higher.

  • The Law of Cause and Effect (Mutable): 

The sixth of the seven Universal Laws tells us that “Every cause has its effect; every effect has its cause.” In accordance with this Law, every effect you see in your outside or physical world has a very specific cause which has its origin in your inner or mental world. This is the essence of thought power. Every one of your thoughts, words or actions sets a specific effect in motion which will come to materialize over time. To become the master of your destiny, you must master your mind for everything in your reality is a mental creation. Know that there is nothing like chance or luck. They are simply terms used by humanity in ignorance of this Law.

Your Intentions are Instantly Created: The Law of Cause and Effect applies on all three planes of existence – the spiritual, the mental and the physical. The difference is that on the spiritual plane cause and effect are instantaneous such that they appear inseparable, whereas on the other planes our concept of time and space creates a time lag between the cause and the eventual effect. Know that when you focus on your chosen goals with intention using creative visualization, that which you want to create in the physical world is automatically manifested in the spiritual world, and with perseverance, practice and continued concentrated thought, it will also come to materialize in the physical world.

  • The Law of Gender: 

The last of the seven Universal Laws tells us that “Gender is in everything; everything has its masculine and feminine principles”. This mutable Universal Law is evident throughout creation in the so-called opposite sexes found not only in human beings but also in plants, minerals, electrons, and magnetic poles to name but a few. Everything and everyone contain both masculine and feminine elements. Among the outward expressions of feminine qualities are love, patience, intuition, and gentleness and of masculine qualities are energy, self-reliance, logic, and intellect. Know that within every woman lie all the latent qualities of a man, and within every man those of a woman. When you know this, you will know what it means to be complete.

The Law of Attraction as Part of the Equation: You will notice that the Law of Attraction is not specifically mentioned as one of the seven Universal Laws. This is not to diminish its importance but rather to highlight it because the Law of Attraction is the basic Law of the Universe which runs through all the seven Universal Laws discussed here. It holds everything together. It is through the knowledge of the Law of Attraction that one can rise above the mutable Laws of Polarity and Rhythm and gain a better understanding of each of the seven Universal Laws.

Credit to The Science of Being and The Kybalion: 

This article draws largely on two sources of incomparable wisdom on the seven Universal Laws. First, on the Baron Eugene Fersen’s 1923 masterpiece, The Science of Being, which is one of most comprehensive books ever written on the innate power of humanity, the subject of metaphysics and self-mastery; and second, on the 1908 seminal work on the Universal Principles, namely The Kybalion, which is a study of The Hermetic Philosophy of Ancient Egypt and Greece, itself based on the mystical teachings of Hermes Trismegistus and written by the so-called Three Initiates.

“The Principles of the Truth are Seven; he who knows these, understandingly, possesses the Magic Key before whose touch all the Doors of the Temple fly open” – The Kybalion



Seven Laws of the Mind

 Law of Substitution

We cannot think about 2 things at the same time.  If a negative thought enters your mind – try to think about God instead.  If that is too big a reach at the time, use any fond memory or other pleasant thought.  Jesus, the master Teacher, said “Resist not evil” meaning turn from it and think about something else instead.

Law of Relaxation

Mental effort defeats itself – exactly the opposite of physical effort.  A relaxed, calm state of mind is the only doorway to progress mentally.  Relaxation of thought is the only access to Infinite Intelligence.

Law of Practice

Practice makes perfect.  The 5Ps – Perfect Practice Prevents Poor Performance.  Our bewilderment of magnificence in others, upon further inspection, finds . . . as Wooden shares

you will find most of it is practice, the rest is work.

With practice of the correct things, we improve – on the other 6 Laws of the Mind.

Law of Forgiveness

To access the Divine and connect the subconscious to the Omnipotent, Omniscient and Omnipresent Creator we must forgive everyone and anyone to clear the channel.  There can be no connection to the Divine mind where anger or resentment against a brother or sister, justified or not, exists.

Law of Dual Thought

Thought is a combination of ideation and feeling.  We can attach any feeling to a thought we want.

Law of Subconscious

As soon as the subconscious accepts the idea it becomes a demand and it works constantly, 24-7, to manifest demand – accessing a reservoir of infinite resources.

Law of Growth

What we think about grows.  What we forget atrophies.

If you have a desire to grow your life or business with the Laws of the Universe join us. 

Michael Kissinger

Sydney Reitenbach

Phone 415-678-9965

Email: mjkkissinger@yahoo.com

MKS-12: What’s Your Story in the Business of the 21st Century

Can You Tell Your Life Story in Only 6 Words?

If you are in business, perhaps the most important question you can ask yourself is, “What’s your story?” Stories are how we make sense of the world and understand one another, and asking questions is how we begin to construct our stories.

EXAMPLE:

James’ life is always in a whirlwind — demanding job, active, busy kids, and he is always moving at 100 miles an hour, often going through the motions with little time to come up for air.

Ask Sydney how her life is going, and you are most likely to hear the latest awful tale — getting screwed by her boss, struggling with money, or being the only one in her family to catch the flu.

Tim is always anxious and worried. If it is not about work, it is about his health, his finances, or his relationship. He walks on eggshells, always looking around corners, and is always waiting for the other shoe to drop.

Whether you are aware of it or do not think about it much, you have a relationship with your life. And like any other relationship, you have expectations, you have good and bad times that you work through (or not), and times when you take responsibility or blame others. And with your relationship to your life also comes a story that casts you and events in a particular light.

What James, Sydney, and Tim have in common is that they are reactive — life happens to them.

  • For James, much of life is going on autopilot trying to meet the demands of the day. He is prone to stress and exhaustion, though for him he sees it as “just life.”
  • For Sydney, life is against her. It is always kicking her in the butt, especially her when she is down. She is the perpetual victim of events. She is often down and feeling, “Why bother?”
  • For Tim, life is a bit frightening. He is always worrying about the worst possible scenarios, filling his thoughts, and shaping what he constantly feels he needs to do to avoid what seems like ever-present danger.

You can’t not have a story. The events of your life are often relatively neutral. It is the story, what we say next, and what we say to ourselves about what happened that determines their impact. We tend to line up events to fit the narrative we have created; the narrative becomes the foundation on which we build and maintain the relationship with our lives.

Another Way

  • What if you had a different relationship with your life?
  • What if you changed the story that you tell yourself over and over?
  • How would your life be different?

Like many things in life, it is all about attitude. You can think of life as something neutral — a timespan, an indeterminate number of years to move through in good or bad ways.

You can think of it as something you endure or adapt to, or constantly respond to, as it comes at you 24/7. Or you can think of your life and your relationship to your life as something you create. Here we think of life like a painter’s canvas. It starts out blank, and we create our own painting.

For many, the painting seems at least half-filled with little room to change — life has a sense of destiny, whether it be good or bad. But what if, even if the canvas is partially filled in, we have the ability to paint over and change it, not just once but over and over again? This is a different stance, proactive rather than reactive. Rather than accepting or complaining or adapting to what we get, we see ourselves as creators of our own story and our own relationship to life.

What is Your Story?

Your story is the culmination of your entire experience both personal and professional. Within your life story, there are dozens of chapters. Within each chapter are nuggets of wisdom. You may not even know some of these insights because each person who hears your story may walk away learning a different lesson.

“What’s Your Story? is a meditation on purposeful being, thinking, and action. It offers a clear and attainable blueprint for unbinding ourselves from the stories of who we once were and sets us on a path of who we are becoming. 

So, what is your story?

People ask that question to find out more about a person. People ask that question to find out more about a person. It is an invitation to launch into a narrative of our lives — to tell something from long ago or yesterday, something short or long, something that reflects who we are, where we have been and where we are headed.

WRITING YOUR LIFE STORY, ONE MAGICAL MEMORY AT A TIME

You are a Boomer. So what? By now, you are probably retired. Or at the very least, retirement is on your radar. Studies have shown that the average retired person has 7.5 hours of leisure time every day.

This is a beautiful thing, if you are a golfer or live in a climate where you can putter around in the garden year-round. But, for many, so much freedom represents hours of sitcoms to escape the boredom. Is there something more rewarding to occupy that time? Absolutely!

Write Your Life Story

This activity will turn your television into a silent dust collector. More importantly, you will remember things you had forgotten, and you will reconnect with your soul-self, the juicy part of you that knows exactly what she wants.

Those of us born between 1943 and 1960 are fondly referred to as the rebel generation. In our 50-70 plus years on the planet, we have lived through unprecedented change. These events are the backdrop for our own stories. They helped to define the people we would become.

As you think about writing down your own story, first take a walk down memory lane. I hope that my own experiences help you when it comes to writing your life story.

A miracle called the telephone was installed in our parents’ living room. We were the first to watch The Wizard of Oz on TV and witness men walking on the moon. Our friends went to Vietnam. Some did not come back. Those who did were changed forever.

In school classrooms throughout the United States, heart-stopping news came over the PA system that President Kennedy had been shot. 5 years prior to this, Martin Luther King was assassinated.

Bouffant hair preceded the women’s liberation movement. Wearing tie-dye bell bottoms and halter tops, we preached peace, love, and antidisestablishmentarianism.

“We burned our bras, and we burned our dinners,” sings K.T. Oslin in her 1987 tribute to “80’s Ladies”. We pushed boundaries. The edgy new genres of Rock ‘n’ Roll and Motown fed our rebellious souls.

Later We Grew Up, Sort Of

We installed wall-to-wall shag carpeting in burnt orange or avocado and bought appliances to match. The shag matted and flattened, forming well-worn trails to the TV, the kitchen, and the front door. As it aged, dog hair and toenail clippings tangled in its fibers.

Sponge-painted rooms with wallpaper borders of beribboned geese parading nose to tail around the perimeter reassured us that all was calm all was bright in our pastoral, domesticated world.

Our Shared History Left Its Mark

We did not emerge unscathed from all this history. In our psyches, there are memories that have not been touched for years. These same memories hold silent messages that secretly run the show.

A strong belief system, which may or may not fit who we are today, was formed in the turbulence of those often violent and rapidly changing times.

Personally, I like to know what behind-the-scenes chatter drives my behavior. Self-awareness is high on my “must have” list, and nothing propels me into a deeper understanding of my own subconscious than an honest look at my stories.

Where to Begin?

The task of writing my life felt overwhelming, until I took myself back to the first event that I could recall in detail. I told the story of that experience and the floodgates opened.

There were moments when conjuring up old ghosts left me drained and weeping. It’s tough to revisit those places but that’s where the deepest revelations can yield explosions of joy.

Often, I questioned my truth. Did it really happen that way or is this what I chose to believe about it? Sometimes, I enlisted the help of others: What year did we go to…? Was mom with us at…? Remember when you got sick in the taxi after drinking purple passion that night in…? Or was it being me who got sick? No! Are you sure?

With each recalled episode three more sprang to life. Then, as I wrote them down, a new reality took shape.

When perspective and life experience were brought to bear on those old tales, they looked different. The edges had softened and blurred.

I saw the part I played more clearly as I took ownership of the past and made peace with the darkness there. But the most important thing I achieved from the journey was a deep compassion for my younger self.

If the task seems daunting, tell yourself, “I don’t have to finish. I only have to start.” Once you begin to excavate your memories, you will have no trouble finding the next story… and the next… and the next.

What If I Do not Like to Write?

If you do not fancy writing, get a family member, or close friend involved. One Christmas, I gave my precious Gram a book entitled, Grandmother Remembers. It asked questions and had great expanses of lined space for answers.

She and her daughter, my mother, worked on it together. The following Christmas, I received a copy of the finished book. Now, her great grandchildren and great-great grandchildren cherish that heirloom and enjoy reading the accounts of her life as a sixteen-year-old teacher in a one room schoolhouse in northern Minnesota.

Nobody Else Can Tell Your Story

Reading about my grandmother’s life forever changed my impression of her. I always loved the way she smelled, her pretty fingernail polish and the mints she brought when she came to visit.

But the image of her when she was no more than a child, trudging through snowdrifts in the dark bitter chill of winter mornings to unlock the door of a lonely schoolhouse, shivering while she built a fire in the potbelly stove so the room would be warm when her students arrived, birthed within me huge admiration and fierce respect.

So, give it serious thought. You have time – 7.5 hours a day, in fact! What you remember matters!

Has anyone in your family written an account of their life? Did it change the way you perceived them? What is holding you back from writing your life story? Please join the conversation. Use the diagram below to identify each area of your life and rate it.

How can you do this?

1. Realize that you have a relationship with your life.

Try to think of your life as a companion with whom you have a relationship. Thinking this way helps you take your life as a whole, rather than a simple series of events. It enables you to step back and view the entire canvas for what it is.

2. See yourself as the creator.

This is about being proactive, but also stepping out of the roles of victim or martyr. Creating is about realizing that you have choices and actually making a choice, rather than falling into default mode. Your life at the end is the completed painting, but before that, it is ever before you, ready for you to step up and create something new.

3. Realize that life is teaching you about life.

To sidestep feeling like the victim, you want to see problems as potential lessons to learn. As the poet Rilke said, “Ultimately each one of us experiences only one conflict in life which constantly reappears under a different guise.” What is your one conflict? What is it that your life and your problems are trying most to teach you?

4. Realize that you can change the story.

This is where attitude and proactivity kick in. Regardless of your story, it is still a narrative, and, like a painting, it can be changed. Will changing the story bring you all that you want? Not necessarily. But can it cast you and your life in different roles that are less trapped, les stressed, less anxious? Yes, it can. Your story can become the blueprint for your life — the starting point, the vision that may or may not come to pass. But without the vision or the blueprint, nothing creative happens.

5. You need to care for the relationship.

Any relationship is capable of falling into disconnection and conflict when not nurtured, when problems are ignored, or when everyday life creates tunnel vision. To avoid this, you need to step back — daily, weekly, monthly, or yearly — to ask the important but difficult questions:

  • How are me and my life doing?
  • Are we on the same track?
  • Are we moving in the same direction?
  • Are there problems that keep us from moving forward and feeling fulfilled? This type of reflection is invaluable and necessary, but all too easy to push to the side. Do not.

Here are five tips on how to construct your own personal story

1.    What is it all about? Identify the main themes of your story.

People like causality. They like to know that this happened because of that – and not that everything is a meaningless series of unlinked episodes lacking any sense of continuity. Examine your life and establish a list of key events or stages that have caused you to be who you are and note how these stages are linked. Look for the overarching themes of your life. Some examples: the importance of family; the value of perseverance; the journey of self-discovery. Every life will have different themes. And the easiest way to find the main themes of your life is to…

2.    Identify the particulars: people and experiences

When constructing your personal story, think of particular people and events that helped you to become the person you are today.

These will illustrate the major themes of your story.

For instance, if you are pursuing a career in business, you might recount a story about an instructor who inspired and encouraged you – or maybe you can remember the first business program you ever wrote, the sense of delight and accomplishment you felt, how it solidified your desire to delve deeper into the world of business.

Think up as many significant moments as possible – not because you will have time to recount them all in an interview, but because not all of them will be relevant. Which brings us to the next point…

3.    Tell the stories that fit the job

If you are interviewing for a position in sales and you are asked about interests or hobbies, discard the story about how you spent countless solitary hours hunched over a desk unsuccessfully working out a unified theory of everything, and focus instead on what you learned about yourself and your fellow human beings when you were a member of your university’s dragon boat team: the comradery, the competition, the desire for victory. Always tailor your stories to fit the job. Never lie, though. Just keep a variety of stories catalogued in your mind – and choose wisely.

4.    Be the author of your own destiny

Except when you are describing mentors who have positively influenced the course of your life, strive to present yourself as an active character, one who faced problems, made decisions, acted, and succeeded.

The fact that you may be looking for a new job because you were laid off from your old one due to cost-cutting measures is not going to make you a compelling character in the eyes of an interviewer.

Avoid recounting stories in which you seem simply the victim of circumstance – someone in the wrong place at the wrong time. You want to inspire confidence, not pity. That is why you need to…

5.    Know the moral of your story

Know why you are telling a particular story: the point it is meant to illustrate about you and your values.

If, during an interview, you admit that you are actively seeking the position with Company B because Company A, where you are now working, does not even pay half of what Company B is paying, you are basically saying that, in your opinion, greed is good.

And, while there may be sectors in the economy where such a sentiment might be encouraged, it is generally not a good idea to highlight that as one of your primary beliefs.

Instead, focus on stories that show how you value positive attributes like dedication, loyalty, personal and professional development, and a strong team spirit.

It might take some time and practice to work out your story, but if you want people to identify and engage with you meaningfully, it is absolutely necessary. Doing so will not only help you to shape the perceptions of potential employers but will also give you a greater sense of confidence because you will have a clearer sense of who you actually are. And that is when you can truly control the narrative.   

6 Ways to Tell Your Personal Story
A great way to engage your followers and build better rapport with your audience is by telling your personal story.

To begin telling your personal story, you first need to decide exactly what message you want to put out there. This, of course, will depend greatly on your particular story and individual goals for your brand.

Here is a selection of different options to consider when determining how you want to approach your personal brand and tell your own story. The list is by no means comprehensive, but it is intended to get your creative juices flowing.

1. Discuss a difficult time in your life, and how you overcame it

One effective strategy for personal storytelling involves finding a challenging time in your life and talking about how you got past those challenges. By offering up your real challenges and sharing stories of both successful and unsuccessful attempts to meet them, you can engage your followers while allowing them to learn new ways to overcome obstacles in their own lives.

Such stories are both educational and motivational, arming your fans with both useful information and the feeling that the struggles they themselves are facing are struggles that others have overcome.

This, in turn, can help them believe in their own eventual success.

2. Talk about a funny moment, that changed the way you think and feel about something

A great example of this strategy would be the old story of the truck that got stuck in a too-short underpass. Every solution all the experts on the scene proposed to get the truck out would damage either the truck or the underpass. Finally, a young child asked why they did not just let some of the air out of the tires then back the truck out, and the child became a hero for seeing the problem differently than all the adults.

Stories like this, like fables, illustrate simple life lessons in ways that personalize the learning, which can lead to deeper understanding.

3. Share something you learned during your career that changed the trajectory of your gifts

Most of us did not start on the career path that we are currently following. A recent Wall Street Journal article estimates Americans change careers somewhere between four and seven times in their work-lives, and this means that a substantial number of your followers are either in the middle of, or are considering, a career change at any given time. As such, the twists and turns of other successful people’s careers can make for valuable, engaging reading.

4. Talk about how learning from the best mentors around you launched your career

Chances are, you did not get to where you are now without a few good mentors.

Since your followers are generally inclined to view you as a guide (or potential mentor), stories about how your life and career was influenced by significant mentors will not only enable your followers to get to know you better, but they can also reinforce the value of mentorship and community, while still conveying valuable business lessons.

5. Show how failing fast got you to success

Stories of dark times, crisis, or unfortunate events, often lead to dramatic decisions or significant changes in directions. These can also make for engaging stories that build the value of your personal brand in the telling.

The particular value of this type of story is that it has near universal appeal, since almost all of us have faced those moments when we realize that continuing on as we have been no longer a viable option and we have to change.

6. Find and share a deep moment that defined you

Take a look back at your career and compare yourself to who you are now. Chances are who you are as a professional has changed in a few significant ways.

Key into the events that lead to those changes and talk to your followers about what happened and how it changed you.

The more you can share the process you went through – in addition to the conclusions and results – the more engaging your readers will find it.

Key Takeaway

Again, these examples are not a comprehensive list of options for telling your personal story, they are a jumping-off point, to get you started. The ones that lead you to feel excited are likely to be those that your followers will be most engaged by.

The essence of this strategy is to take a few key nuggets of learning, wrap them up with a few tasty morsels of who you are, and create a kind of mental appetizer that gets your followers thinking – and connects them in genuine ways to your brand and story.

3 Reasons Why You Must Become an Expert at Telling Your Own Story

What is the first thing you do when you meet someone new? You ask him to tell you his story. But few people know how to do this well.

They give too much back story, drone on for 20 or 30 minutes, list arbitrary details that mean nothing to you, and putter out at the end, leaving you wondering what the point was. It can leave you feeling confused and unfulfilled.

This is not okay. Because you have a story to tell, and it deserves to be told well.

You need to practice. You need to become an expert at telling your own story. Consider some of the basic elements of any good story and how they apply to your story:

  • What is the conflict?
  • Who is the hero?
  • Where is the suspense?
  • How will the conflict resolve?
  • What is the point?
  • Why does it matter to me?

Classic stories, myths, and fairy tales tend to happen in three acts. They raise each of the above questions and then answer them. The conflict gets worse for the protagonist before it gets better.

The movement of the hero undergoes a major complication at some point before he starts winning again. All seems lost before redemption happens. And so, you must apply these same elements to your own tale.

Why?

Here are three reasons why you are becoming an expert of your own story is essential:

1. Nobody cares about your resume

For many professional fields, the resume is dead. This is especially true for creatives. What people want to know is your story. What happens when I Google you? What does your “bio” say?  Future employers want to know: What are your life experiences, and how have they shaped you? You need to be ready to tell them.

2. Story is the new marketing

Think about the organizations you know that are really making a difference. Chances are, they are telling a compelling story. I can think of several that immediately come to mind:

  • TOMS Shoes began with a story that Blake told and continues every time someone buys a pair of shoes.
  • Charity: Water starts with the story of a birthday party and still offers you the chance to donate your birthday to help people lacking clean drinking water.
  • Apple‘s story is about the underdog eventually beating out the competitor who wronged him. Every customer gets to live out this same story each time they buy a Mac or iPhone.

Do you see a pattern here? Influential organizations and individuals tell a story that is so compelling others cannot help but want to join it.

3. You do not know your story as well as you think

Telling your story helps you make sense of your life — why certain events happened the way they did. You begin to examine what has happened to and through you.

You begin to make sense of who you are.

Telling your story can be incredibly therapeutic, and the practice often leads to greater confidence and understanding of self. Most people do not take the time to do this. They take their stories for granted; they do not steward them.

Take the time to learn your story. We need it. And we need you to tell it. If we’re going to be changed by it, you need to tell your story well.

The Critical Importance of Telling Your Story

So, why is it so important to share your story?

Your story allows people to connect with you.

Sharing your story allows your readers to connect to you. It builds roads to their heart and mind and reveals that you are not so different from them.

Your story is also a big red stop sign for the people that are not right for you. That is a good thing. You want to keep the people that resonate with you and shoo away those that do not.  That is how you build an audience of people that you love interacting with. And that is how you build a business.

What if you do not have a story to tell?

We all have a story to tell.  If you feel like you don’t have anything to say, it’s most likely because you feel like nothing you say has value.  You are so afraid of what people will think that you have suppressed what comes naturally to you.  But this is not just about telling a random story. You have to keep your readers in mind. Think about how you can help them overcome obstacles and slay dragons.

So, how do you tell your story in the right way?

You share what is relevant to the reader. You share what will make their life easier.  You solve a problem.  It could mean sharing one of your biggest mistakes and what you learned from it.

In my writing, I’m honest and transparent, because I want to demonstrate that you don’t have to be perfect to do what you love.  I do not try to come across as an expert. My primary goal is to show you that it is possible to follow your passion and craft the lifestyle of your dreams.  That is why I mix life lessons with business advice.

If you have read enough of my articles, you probably feel like you know me. That is the story effect in play.

But here is where you may run into a problem.

You may not feel comfortable sharing your story. And that is fine. I am not telling you to share your deepest secrets.  In the past, I have had trouble sharing some of my mistakes and fears. But what I have noticed when I am scared of sharing something is that the focus is all on me.

It is about what people will think of me. What will happen to me? But when I shift the focus to you, my reader, I start thinking of what will help you the most.  So, turn the spotlight on the people you help. Ask yourself what will help them move forward, and you will know where to start.

Embrace your story because it is who you are.

We seem to have this tendency of wanting to be someone we are not, but we are who we are. You have to use the cards you have been dealt.  When you accept that, you become less serious about sharing your faults.  I have plenty of faults, just like everyone else. And the more I have shared, where relevant, the more thank you emails and comments I have received.

Why is this?  It is because deep down we are all the same. Fears. Dreams. Insecurities. Worries. Deep down, it is all (mostly) the same.  We want people to like us. We want to do well in life. We want to be valuable, and we want to find meaning.  Deep down, we are all the same.

Sharing your story reminds your readers of that sameness. We are all in this game together. When you share your story, people connect with you and your business. Your audience grows, and you filter out the people that are not the right fit.  So, embrace your story.  Share what you have gone through and what you have learned, because that is where the power is.

Conclusion: Your story is really your Hero’s Journey!

Let’s discuss your story and Hero’s Journey if you feel you are not on the right track. Contact us.

Michael Kissinger and Sydney Reitenbach. Phone 415-678-9965

Email: mjkkissinger@yahoo.com