Transforming from Consumer to Producer in 90 Days
$aving Money, Energy, and Time Equals More Money to INVEST
by
Book Cover & Preview Text
Are you living paycheck to paycheck? Is your net income stagnate or declining? Do you consume more than you produce? Are you living a healthy, fulfilled life? Are you on track to retire with dignity?
If any of your answers are not what you desire, learn how to be progressively cheap to save money, energy, and time to generate more money. Learn how to invest your savings in debt reduction, income generation, personal growth, retirement plan, business ownership, real estate, and the community. The $ET=M2 to INVEST strategies will transform you from a consumer to a producer so that you accomplish your goals and lead your family to achieve their dreams. Detailed explanations, directions, illustrations, checklists, and transformation plans are provided for you to make significant progress to becoming a producer in just ninety days.
HOW THE BOOK IS ORGANIZED
This book is designed to easily guide you through the transformation from consumer to producer and provides the necessary building blocks to make this complex process quite simple and efficient. There are ideas, strategies, and lessons learned, shared, and pulled together into lists and plans that you will personalize and execute.
This outline illustrates the major parts of this work:
- Setting the Stage for Success and Fun: Introduce the transformation strategy and how to effectively utilize this book.
- You Are the Change Agent: Why you should change, bold actions, benefits of being cheap, success principles, and gaining respect.
- Generating Savings ($ET): Define $ET=M2 to INVEST and detail the techniques for saving your money, energy, and time.
- Your Investing Strategy: Discover the power of money by investing in debt reduction, increasing savings, career or job, generating income, retirement
plan, business, real estate, yourself, and the community.
- Financial and Investment Strategies List
- Passion List
- Motivating Questions Lists
- Behaviors, Habits, and Savings to Repeat List
- Behaviors, Habits, and Expenses to Discontinue List
- Smartphone Applications List
- Delegation List
- Educational and Knowledge Requirements List
- Debts List
- Specialties, Strengths, and Weaknesses List
- Unemployment Course Correction Task List
- Retirement Plans List
- Ten Steps to Start a Business
- Financial Checklist for Starting a Business
- Vices to Give Up List
- Trading-Down Wants List
- Living Paycheck to Paycheck
- Needs List
- Wants/Doodads List
- Career and Financial Goals List
- Life and Personal Goals List
- 90-Day, 6-Month, 1-Year, 3-Year, 5-Year, and 10-Year Transformation Plans
PART I – SETTING THE STAGE FOR SUCCESS AND FUN
FOREWORD
THE TRANSFORMATION STRATEGY
HOW TO ENJOY THIS BOOK AND EFFECTIVELY APPLY
THE LESSONS YOU LEARN
ACKNOWLEDGEMENTS
PART II – YOU ARE THE CHANGE AGENT
CHAPTER 1: PREPARING YOUR MINDSET
CHAPTER 2: HOW TO CHANGE YOUR BEHAVIOR AND LIFESTYLE
CHAPTER 3: CHALLENGING TIMES REQUIRE BOLD ACTIONS
CHAPTER 4: THE IMPORTANCE OF STRENGTH AND CHARACTER
CHAPTER 5: BEING PROGRESSIVELY CHEAP IS FUN!!!
PART III – GENERATING SAVINGS ($ET)
CHAPTER 6: $ET = M2 TO INVEST
CHAPTER 7: $AVING YOUR MONEY (STRETCHING THE DOLLAR)
CHAPTER 8: SAVING YOUR ENERGY (INCREASE PRODUCTIVITY)
CHAPTER 9: SAVING YOUR TIME (INCREASE EFFICIENCY)
PART IV – YOUR INVESTING STRATEGY
CHAPTER 10: THE IMPORTANCE AND POWER OF MONEY
CHAPTER 11: INVESTING IN DEBT REDUCTION WHILE INCREASING YOUR SAVINGS
CHAPTER 12: INVESTING IN YOUR CAREER, JOB, AND GENERATING INCOME
CHAPTER 13: INVESTING IN YOUR RETIREMENT PLAN
CHAPTER 14: INVESTING IN YOUR BUSINESS
CHAPTER 15: INVESTING IN REAL ESTATE
CHAPTER 16: INVEST IN YOURSELF AND FAMILY
CHAPTER 17: INVESTING IN YOUR COMMUNITY
PART V – THE PLAN OF ATTACK
CHAPTER 18: NEW RELATIONSHIP BETWEEN SAVING AND INVESTING
CHAPTER 19: GIVING THINGS UP AND LETTING GO
CHAPTER 20: REQUIRED CHANGES
CHAPTER 21: GOAL SETTING
CHAPTER 22: THE TRANSFORMATION FROM CONSUMER TO PRODUCER
CHAPTER 23: THE TRANSFORMATION PLAN
PART VI – BEYOND THE SPEED OF LIGHT INTO THE FUTURE
CHAPTER 24: MOVE FORWARD WITH CONFIDENCE AND SPEED
CHAPTER 25: CELEBRATING SUCCESS—LET THE PARTY BEGIN
PART VII – YOUR SUPPORT STRUCTURE AND RESOURCES
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About the Book
FOREWORD The core concept is not just saving money, but saving time and energy as well. These savings are multiplied together, giving you more money to invest. To summarize, I created the equation: $ET = M2 to INVEST, in which saving Money, Energy, and Time ($ET) are multiplied to generate (=) More Money (M2) to INVEST. This equation is fundamental to your success! You must be prepared to take action to start having enough money to accomplish your goals, to stop living paycheck to paycheck, and to retire early. If you are on course to make the same income as last year or, worse, facing declining take-home pay because of ever-increasing taxes, medical costs and declining economy, don’t give up! Saving money, energy, and time will generate more money to invest—creating real income and wealth. Transforming you from consumer to producer! You must expand yourself personally as well as enhance your inner and micro economics. Rather than growing a mega-company’s revenue or the financial fortitude of millionaires’ pockets, you are going to grow your own individual savings account, retirement plan, and children’s college funds. This book is a guide to help you create a path and roadmap to a life of saving money, reducing debt, living efficiently, and creating wealth by investing within a reasonable timeframe. Together we will examine four major building blocks that inspire and accelerate behavioral changes: 1.Why and how to change your behavior and lifestyle. 2.How to save money, energy, and time. 3.How to invest your money, energy, and time savings to improve your present situation and build for the future. 4.How to create and implement a transformation plan. Progressive ideas and hilarious cheap strategies are also detailed. These are necessary to exceed your personal and financial goals. I want you to be thrilled about life, saving money for a brighter future, and early retirement, while having fun at the same time.
About the Author
As a financial and motivational coach resolving difficult issues, Darryl Wortham teaches people how to reach their full potential. Mr. Wortham is also a successful real estate investor, educator, and mentor. He has appeared on CBS Evening News and 60 Minutes “Housing: Boom or Bust?” He has also been featured in the LA Times “Putting Stock in Real Estate.” His passion is giving back to the community through his volunteer and other charitable activities.
Darryl is a Senior Project Manager at an industry-leader Internet networking company. Mr. Wortham was born in New York City and grew up in New Jersey. He was a Systems Engineer at AT&T Bell Laboratories and Sales Executive at Lucent Technologies in Denver. He received his Bachelor’s of Technology in Computer Engineering from New York Institute of Technology and his Master’s of Science in Telecommunications Engineering from the University of Colorado. He lives in San Francisco and is an entrepreneur in green energy business.
“It is my absolute honor to endorse Darryl Wortham’s new book. Daryl is an exceptional speaker, business coach, and writer who brings a unique perspective on how to rapidly transform your life and your business.”
Jeffery Combs (President & Founder of Golden Mastermind Seminars, Inc.)