55 Consequences are the Result of Choice
b'Today I want to talk about the consequences of your decisions, and the fact that you have to own them, and that by only by facing the fact that you own the decisions that you make, can you really lead to success in anything.\\n\\n\\n\\nWhen you start on a path and make choices, you are affecting your future, both personal success and family.\\n\\nI had a headhunter give me a call, and she was talking a little bit. I decided: \\u201cWait a minute,\\u201d there were a couple of things that she was saying, and I just decided to switch the subject a little bit and talk about Life Unsettled, what we\\u2019re talking about, and how the 45- to 64-year-old age group has so much to worry about today, and many people aren\\u2019t really facing it. Some are, some aren\\u2019t, whatever. It made me decide to change the episode that I was about to do.\\n\\nWe talked about the lack of savings that people have, and also what they were facing: the layoffs, the low income because they were in the baby boom, and they\\u2019ve entered a period where they should be in the net savings group, and they really have to have a lot more to save for a much longer lifetime. Part of Life Unsettled. Yet, the 65-year-olds, 97% of them can\\u2019t write a cash check for $600. Yes, they can put their credit card and put it on credit of some sort \\u2013 that\\u2019s borrowing it; that\\u2019s not what I\\u2019m talking about. They don\\u2019t have $600 in cash to pay off an emergency.\\n\\nI was thinking about: How do you motivate people, and how can that be passed on? The last few days, I was watching football. I\\u2019m looking at the news and stuff, and seeing people that really have a substantial income coming in. How do they get motivated, and why aren\\u2019t they motivated by the fact that when they make a bad decision, they lose a lot of money? We can take a look, for example: Johnny Manziel of the Cleveland Browns, his story. Realize that he signed an 8.3 million dollar deal. 4.3 million signing bonus, but 8.3 million dollars. He\\u2019s on the verge of killing his career, or possibly getting kicked out. He\\u2019s not the only example; there are many of them. He can\\u2019t go and make a decision and prevent himself that might cost him a million or more dollars, not to go out and party some night? If he can\\u2019t do that, how do you motivate somebody that doesn\\u2019t have a promising income to motivate themselves to pick up and earn more? That\\u2019s a very perplexing thing.\\n\\nEven on the low end, you\\u2019re going to have people making $450,000 to $500,000 in a year, as I looked at it because I just looked over the salaries as they\\u2019re published of a few different teams, and they have at least a million dollars coming in this year, plus next year. That\\u2019s a lot of money. To think that if they\\u2019re going to risk that\\u2026 I started relating that and said: \\u201cIf they\\u2019re going to risk that income and not do what they need to or are supposed to do\\u2026\\u201d I\\u2019m not talking about performing well. I\\u2019m talking about just showing up, not going out and partying and getting drunk, or taking drugs, or something else. If they can\\u2019t do it, how\\u2019s the ordinary person going to do it?\\n\\nOne thing, I will give the person who\\u2019s in sports a little bit more slack than I will give you or I when it comes to things like drugs, because some of them get caught up because happens is they\\u2019re in pain from day two of training camp and they are being given different kinds of painkillers, and that could be another kind of problem. For that, I can sort of understand how that could affect somebody, but they still have to somehow get out of it. That can happen. That\\u2019s not you and I. How do you motivate the individual person, and what do we have to do?\\n\\nBack in college, one of the things I noticed was the way people did things for tests, reports, and other things they had to do. Let me ask you, before I give you any more info: When did you study for your tests? When did you study for your final exams? When did you do your reports? Most people, whether it be high school or college,'