Morning Cup of Joe – Rainy Day Fund

Rainy Day Fund
Save your money for a rainy day – You’ll have more rainy days than sunny ones, trust me.

One thing we can count on parents for is advice. The unfortunate thing about it is just because they offer up advice doesn’t mean that we’ll automatically accept it; sometimes the greatest lessons are the lessons that we learn on our own. One advice in particular comes from my father who even today continues to encourage me to “save your money.” That is one lesson that I had to learn the hard way.

I’m not quite sure what causes people to spend money frivolously. To buy things that we don’t really need. To accumulate things that adds no real value to our lives. To live beyond our means just to appear as if we have it all together. All the while we’re living paycheck to paycheck hoping that we can scrape enough to pay our mortgage or rent, car note, cell phone and other monthly expenditures. Aside from real property, do we really need all those depreciating assets that we’ve been accumulating?

If you haven’t done so already, it’s critically important that you begin to save a portion of your net income for a rainy day. You never know what tomorrow will bring but if you’re prepared for it then it can certainly soften the blow. Anything can happen at any time without warning and without notice. I’ve lost my job unexpectedly before. I’ve had unexpected car issues that cost thousands of dollars. I know folks who’ve experienced unexpected medical issues. My point is you never know what can happen which is why it’s important that you must prepare.

It’s not just about saving money; it’s really about transforming the way you think about money. I’m getting to a point where I try to focus mostly on my needs than my wants. That’s really the only way I can save money. I realized that most of my money was going towards things that I wanted and really didn’t need. Let’s be honest, how many shoes can one person have? It’s a rhetorical question but most of us are guilty of buying things just because we can with no consideration for the future. That has to change.

There’s no better time to start saving for a rainy day than right now. If you don’t have a rainy day fund, start one today. You never know, it may storm tomorrow.

To The Top!
Joe Paul
Motivational Thought Leader, Corporate Trainer & Keynote Speaker
Tel. :202.553.7718
Twitter : @JoePaulSpeaks

Morning Cup of Joe – Every Minute, Every Second


Every minute, Every second

Some days I stand tall and proud as I reflect on what I accomplished in just 24 hours. There are also days, when I look at the time and realize 24 hours has passed and I have absolutely nothing to show for it; those days are the hardest. Unfortunately, it seems like I have more days when I feel I could have done more with my twenty-four.

I’ve never been a big list maker but I have found that this is the most effective way to actually stay focused on the task at hand. I’ve never been diagnosed with Attention Deficit Disorder (ADD) but I sometimes find it hard to focus on one thing at a time so I literally have to force myself to constantly review this list I created to see where I am and evaluate what I’ve accomplished.

If you’re like most people, crossing everything off of your list may never happen. One of the reasons why crossing everything off of your list may never happen is simply because you always add more things to the list. What I have found to be helpful is once I create a list to stick with that list. If I have new things let me to be added then I will create a new list. The end goal is to cross everything off of that list. There’s so much joy in crossing everything off that list. In fact there is joy and crossing one thing off that list.

Making every minute and every second count doesn’t start nor stop with creating a to-do list. it starts with focusing your mind intently on what you intend to accomplish and achieve. It starts with developing a stubborn like dedication and a freakishly disciplined mindset. It starts with a sincere desire of wanting to win. It starts when you say that you will accomplish something and not only do you believe it but you do everything in your power to maximize the time God has given you want to Earth to relentlessly pursue your dreams; that’s what making every second count means.

How many seconds out of the 86,400 seconds we have a day are you wasting doing nothing? And by doing nothing I mean spending less then 2 to 3 hours focusing on and working towards accomplishing your dreams. While you’re sitting down wasting time there someone else working twice as hard just to be better than you, faster than you, richer than you, more healthier than you and the list goes on and on. Don’t be a member of the group who is simply taking up space.

Make every minute count and every second matter.

To The Top!
Joe Paul

Morning Cup of Joe – FINISH STRONG!


Don’t ever start something you aren’t willing to maintain and eventually finish. It takes little to no effort to start something, perhaps that explains why so many people have so many great starts. This theory is also applicable to Olympic runners awaiting the sound of the starters’ gun. Many times, the person who takes off first or the fastest off the block isn’t always the one who ends up with the gold medal at the end of the race. The person who wins is typically the one who finishes strong.

No one will remember how you started but the world will never forget how you finished. If you are going to exhaust effort on anything affiliated with your dreams, I encourage you to focus intently on finishing. I am guilty of not finishing a few things that I’ve started, we all are. The goal is to develop and strengthen the skill of follow-through. Following through with the careful execution of any goal is the greatest gift you can give yourself.

There is an unexplainable feeling that you experience when you accomplish anything. The ultimate goal is to experience this feeling early and often. There is a way to accomplish this. Step one, finish strong. It doesn’t matter how you start, it’s how you finish that matters. It’s funny what our minds have the capability of retaining. As I write this, all I hear is an old friend’s voice echoing, “Finish Strong!” I choose to finish what I start and so should you or don’t bother starting it at all.

Be a finisher and finish strong.

To The Top!
Joe Paul

Morning Cup of Joe – Results May Vary


He stands in front of the mirror wondering if anything has changed or improved. Staring at himself intently, he starts to imagine what the final results will look like. He wishes there was some magic button he could press that would magically place the muscles where they perfectly fit but unfortunately that button hasn’t yet been invented. The actual twenty minutes felt like a twenty days as he wondered why he wasn’t seeing any immediate results.

We have all been down this road before; you’re doing the right things, working as hard as you can and feel as if you should be seeing results sooner than you actually have. It is critically imperative that you learn to develop the patience of a turtle and the determination of a starving lion hunting for prey in order to be successful. This combination will undoubtably produce immaculate results. In addition to patience and determination, you must learn to develop the work ethic of a champion. If you ask any world class athlete or Olympian what it takes to be great, they will tell you practice and discipline. While some Olympians are born with natural gifts, the other 99% practices until it is perfect then they practice some more.

What the man in the mirror is not considering is the immense amount of time, effort, discipline and dedication it takes to produce incredible results. Some things can happen overnight but the only thing that comes to my mind is sleep. It is important that you set realistic expectations that you are able to exceed. It will take hard work, dedication, persistence, patience and patience. Yes, you need that much patience. Take it from me, the breakthrough and/or goal you are attempting to reach will come to fruition in due time; you cannot rush success. Remain steadfast and committed to accomplishing your goals, whatever they may be.

Remember to appreciate the journey, especially since you already know the final destination. The only thing you can do is take it one day at a time. Sooner than later, you will win. It may not be tomorrow but it will happen if you stay committed.

To The Top!
Joe Paul

Morning Cup of Joe – Sticktoitiveness


When you set out to accomplish a goal it is critically important that you stick with it and see it through to completion. Now, re-read the first sentence a few more times. Most of the time when we take the initiative to start something, it is almost certain that we are going to be met with obstacles; some of which we cannot avoid. The goal is to simply focus on what matters most; finishing and finishing strong. Remember, it’s not how you start, it’s how you finish that matters most.

It costs you absolutely nothing to create a goal nor does it cost you anything to have the desire to pursuit a dream. The cost that you must consider when you are attempting to make your dreams come true is the price you are willing to pay to make certain that they do. Sweat equity is what you must be willing to invest in order to see a positive end result. Your goals are truly an arm’s reach away but you cannot get to them if you’re sitting down. Stand up and chase your dreams. Do not stop until you get them and even after that, keep going.

The road to success will seem long and at times bumpy but commit to memory the fact that you were born to win. I firmly believe that you were not put on this earth to lose. You were put on this earth to make an impact on the world around you. We all have a purpose in life; the goal is to discover yours then share it with the world. Do not think about the journey, simply focus on the destination. It doesn’t matter how you get there, just get there.

Remember, anyone can set a goal but it takes a winner to complete one.

To The Top!
Joe Paul

Morning Cup of Joe – Attitude, Altitude, Aptitude


If you would like to accomplish any goal you set forth you must first be dedicated to seeing it through to the end. Seeing it through to the end is a mere fraction of the entire equation; your attitude is another critical piece. The truth is, your attitude ultimately determines your altitude. Simply, how far you go is determined by how you respond to the world around you. If your heart is filled with disdain then the world around you will respond reciprocally.

Your attitude can mean the difference between winning and losing. I once worked with a person who was a hard worker and fairly productive. This person must’ve been very familiar with the definition of success because they always showed up. We all know that a great percentage of winning comes from you simply showing up. This makes clear sense because if you don’t show up, you can’t compete and if you can’t compete, you can’t win. Now showing up isn’t enough, what you do once you’re there is what matters most. This person would show up but their attitude overshadowed the great work they were doing and thus this person was replaced with someone with a better attitude. A bad attitude serves as an overcast to your sunny disposition; most people prefer the sun over the rain.

Your attitude is exactly what can open some doors and close countless others. Commit to memory the fact that you attract more bees with honey not a fly swatter. You must be the honey in this example if you are going to attract the right attention from the right people. One of those bees you attract can mean the difference between you accomplishing your goals or not. It is never too late to adjust your attitude.

People deal with people because they like them; if you are not well liked then you must adjust your attitude.

To The Top!
Joe Paul

Morning Cup of Joe – From Start to Finish


During one of my trips to Miami to visit family I found a perfect teachable moment to help my nephew learn a valuable life lesson. When I arrived at my sisters’ house, I couldn’t help but notice one of my favorite nephews, Michael, was sad and moping around. I instinctively asked him what was wrong and he replied “My mom said I can’t go outside and play until I finished my chores”. I then asked, “So, what’s wrong with that? When you’re finished with your chores you can play”. He replied, “Uncle, this is way too much work for a kid and I’ll never ever finish”. I smiled and immediately sat down with him to explain a very important life lesson. The lesson is simple; the sooner you start, the sooner you’ll finish.

Explaining this to my middle school aged nephew wasn’t as difficult as I initially expected. I explained to him that sooner or later you’ll eventually run out of things to clean but you cannot and will not run out until you start. Most adults have a similar mind-set that creates an illusion that the workload is so heavy that they may never get it done. There are some things that we should be doing but many find it easier to mope around and host “whine” socials about them instead of tackling the problem. Do not be discouraged if the task seems too great; believe that you are equipped with the necessary tools to combat any problem and start working now.

As I mentioned before, if you don’t start, you will never finish. Stop worrying about the amount of work you have to do and start chipping away at it with the knowledge that eventually the work will be complete. A man once asked another man “How do you eat an elephant?” the other man replied, “One bite at a time”. The metaphoric elephant in this scenario is similar to your problems and/or issue(s) you are attempting to tackle; no matter how big your situation may seem, if you attack it one day at a time you will eventually overcome it. Stop trying to bite off more than you can chew and focus on the task at hand.

Don’t wait, start today!

To The Top!
Joe Paul

Morning Cup of Joe – Win or Go Home


The interesting thing about setting goals is that we really don’t know the exact date when we’ll accomplish them. Yet we continue to work diligently and hastily toward our goals. In many cases, we’ll never know the exact date because many people give up right before they get the thing they were working so feverishly for. Many people give up because they lack the necessary patience and perseverance required to accomplish any goal.

We would not have the joy of enjoying the world’s most famous fried chicken had Colonel Sanders given up on his dream of franchising his original recipe. Colonel Sanders was rejected over 1,000 times before he finally heard his first YES! It may take you 10,000 times or 10 times to accomplish your dreams, either way, do not give up. We can only imagine what would’ve been had he not persevered and remained disciplined enough to continue to keep trying until he received a favorable response.

How many of us have given up after hearing our first ‘No’? The key to accomplishing any goal is endurance. Are you willing to do whatever it takes for as long as it takes in order to realize your dreams? That is exactly what it takes to win. You must be willing to endure the tests in order to discover the answers. We appreciate that which we work the hardest for. If you want your dreams to come true, you must be willing to travel unchartered territory. You must be willing to outlast the criticism, doubt and negative energy freely offered by those who doubt you. You must be willing to accept the fact that nothing and no one will keep you from accomplishing your dreams.

Friendly Reminder: Every ‘No’ means you’re that much closer to a ‘Yes’.

To The Top!
Joe Paul

Morning Cup of Joe – Get What We Want

Sometimes we have to put up with things that we don’t like in order to get what we want. Sometimes we have to do things that we don’t want to do in order to get what we want. Sometimes we have to put our pride aside in order to get what we want. The question I have for you is what are you willing to do to get what you want?

One thing that should never change is you as an individual, your core values and your self-respect. Simply, you shouldn’t change who you are or compromise your beliefs just to get what you want. If you want something, you shouldn’t have to change who you are to get it. Your values are what guide your principles which influence your actions. You should never compromise your self-respect or self-worth just to get what you want. There are long-term consequences for every ill-advised decision we make.

When it comes to accomplishing your goals, realizing your dreams or simply getting what you want, your aim should always remain constant while you reevaluate your strategy. The end goal is to have that which you desire, in some cases and within reason, by any means necessary. If you want something and you haven’t gotten it yet, it doesn’t mean that it doesn’t exist nor does it mean that it’s unattainable; it simply means that you haven’t figured out the combination to the lock.

Be patient and continue to work hard while maintaining the unwavering belief that what you want you will soon have.

To The Top!
Joe Paul

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Morning Cup of Joe – Decisions, Decisions

Every decision isn’t going to be the right decision. No matter the outcome you have to live with it. I have met people who were afraid to make decisions solely based on the fact that they were unsure of the inevitable outcomes. Let me be the first to tell you that it is imperative that you not allow fear to keep you from pursuing anything, especially your dreams. Fear is a feeling we create in our minds of perceived setbacks that may not even exist. If anything, allow the fear and anxiety you experience to become the fuel that powers you to push forward.

You aren’t going to be right 100% of the time. You may have to try something several times before you get it right. You will make mistakes. You will experience failure. The greatest difference between yourself and a person who is wildly successful is simply the fact that the person who is wildly successful did not give up on their hopes and dreams. Sometimes we think that a setback means that we shouldn’t be doing a certain thing. It’s the exact opposite. Every time you are met with adversity, it simply means that you are headed in the right direction.

On this journey towards success and self-fulfillment you will inevitably run into roadblocks, speed bumps, and various obstacles. Much like when you are driving an actual car and you encounter these obstructions, you try to find a way around them in order to get to your final destination. Life and accomplishing your dreams work the same way. You have to be willing to move pass any obstacle, push through any road block and search for alternate routes or ways of arriving at your desired outcome.

If you make a mistake, work on ensuring that the chances of it reoccurring are slim to none. If you veer off the road and simply took your eyes off of your goal, simply remember who is in control, grab that wheel and refocus. If you still want to be as successful as you should be, if you can read this, there’s plenty of time if you choose today to refocus on what’s most important.

Decide right now what it is you want out of life and go and claim what is rightfully yours.

To The Top!
Joe Paul

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