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Article Title: Financial Defeat or Failure is Not an Option
Author: Jay Peroni
Category: 
Word Count: 1024
Keywords: financial planning, certified financial planner, wealth creation, 
investments, savings
Author's Email Address: [email protected]
Article Source: http://www.articlemarketer.com
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There is a Viking legend, backed up by actual historical data, that long ago a 
great warrior faced a situation where surrendering in battle was not an option. 
Yet he and his armies faced a very powerful foe. They were significantly 
outnumbered and "had no chance".  After sailing to the enemy's country, the 
warrior chief unloaded his soldiers and equipment, and then had every one of 
their ships burned to ashes. Addressing his men before the battle, he is 
reported to have said, "Do you see our boats going up in smoke? There is no 
retreat. We win-or we perish!" Legend has it that each soldier fought harder 
than he ever had before in his life, and they won against great odds. 
 
Many of us have ideas for change in our lives.  There are dreams we want to 
follow.  Yet, it is much easier to become comfortable in our daily lives, and 
put our dreams on hold for "someday".   Unfortunately, "someday" never comes.  
As long as you cannot imagine it, your dreams will never come true. 
 
Self-defeating thoughts and self-imposed ceilings limit your financial 
progress. Your thoughts and attitudes will determine your success. If you have 
no strength to overcome this mindset, you will fail to reach the potential God 
intended for your life. It is not a lack of resources or a shortage of talent 
that prevents you from achieving wealth; it is the barrier that resides inside 
your mind. Your thoughts can keep you from living the financial life God has 
prepared for you. You will never change your financial future until you change 
your thinking. Do you think God will want to provide you with new, exciting, 
and fresh ideas if you continue having negative thoughts and a bad attitude?

Envision your dreams coming true
Envisioning your dreams coming true is a huge key to your success. Have you 
ever seen the movie Rudy? It is based on the true story of Daniel "Rudy" 
Ruettiger. He grew up in a mill town and dreamed of playing football at the 
University of Notre Dame, for his dad's favorite team. The obstacles facing 
Rudy were tremendous, to say the least. A few barriers included Rudy's poor 
grades and lack of money to attend Notre Dame, insufficient talent to play 
football, and not having the physical size (Rudy was 5'7" and weighed 165 
pounds) to play football for the Fighting Irish.
 
Instead of chasing his dreams, Rudy takes a job at the local steel mill and 
settles for mediocrity until his best friend, Pete, is killed in an explosion 
at the mill. It is then Rudy decides to make his dreams of attending Notre Dame 
and playing college football for the Fighting Irish a reality. He is ridiculed 
by friends and family for his idea and is even rejected by Notre Dame. He could 
have let bygones be bygones, but instead goes to a small junior college, hoping 
to qualify for a transfer to the university.

During his final semester of eligibility for transfer, he is granted admission 
to Notre Dame. After walking onto football practice tryouts, Rudy convinces the 
coach to give him a spot on the football practice team, where Rudy exhibits 
more drive and desire than some of his big name varsity teammates.

Ultimately, it is this drive and determination that get Rudy to fully realize 
his dream of playing in a game. In the final game of the season, the coach is 
persuaded to insert Rudy (after all the players and later the fans chant, "Rudy 
. . . Rudy . . . Rudy . . ."). Rudy gets in the game and sacks the opposing 
quarterback to end the game. Rudy is then carried off the field by his 
teammates and becomes the last Notre Dame player to have such a distinction.

No accident - choose success
This was no accident. There was no stroke of luck. Rudy saw what he wanted and 
made it happen. He first had a dream, and then he stopped at nothing to make 
his dream come true. He could have quit very easily, but his determination and 
desire to change were overwhelming.

Rudy believed he could do it when no one else did.  Wanting to change and 
actually changing are two separate paths. If the desire to change is small, 
then changing will be difficult. However, if your desire is overwhelming, 
change will become inevitable. It all begins in your mind. If you continually 
allow negative thoughts and a poor attitude to dictate your life, you will stay 
imprisoned in a life of defeat and failure. However, if you see yourself 
achieving wealth, becoming successful, and being closer to God, nothing can 
keep you from reaching your goals. 

Over time, if you truly desire to change, you can wipe your financial slate 
clean and begin a new journey. The road to success begins with examining the 
past in order to prevent repeating mistakes. Do not let your past barriers 
prevent future financial progress. If you truly desire to make changes, you 
will need to develop new habits. In order to unlearn bad behaviors, you must 
understand the reasons why you've made certain choices. 

Root out poor habits
If you have poor money management skills, you should seek to learn the roots of 
those habits. Have you ever wondered why some people seem destined for 
greatness while others are dead broke? Expect God to do great things in your 
financial life if you put Him first and trust in Him.

God is constantly trying to plant new seeds in your heart to help you grow and 
expand beyond your current capabilities. Like Peter, who stepped out of the 
boat toward Jesus and walked on water, you have to take the first step in 
faith. Fresh ideas and a new outlook go a long way.

Eighty percent of your results will come from your own changed behaviors and 
attitudes about money. If you don't change your behavior, your results cannot 
change. It is simply a matter of cause and effect. No matter what your 
financial situation, you should always keep in mind that there is hope.

Jay Peroni, CFP, and author of The Faith-Based Millionaire and The Faith-Based 
Investor.  Jay is also the founder of http://www.FaithBasedInvestor.com, a 
faith-based investing newsletter and the founder of 
http://www.ValuesFirstAdvisors.com a firm dedicated to faith-based financial 
planning.
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