Dec 042017

Saving just a few dollars every day can make a big difference, if you invest it.  This lesson is lost on many teens, but it is worth talking about. I don’t care how you save it — I’m not trying to pick on Starbucks per se — you can do the same thing by drinking water in restaurants or simply comparing prices of everything you buy on your shopping app — but saving and investing early in your career is crucial, if you want a better financial future.

I created a little spreadsheet to prove my point, downloading the actual returns of the S&P 500 index for the last 40 years, without the added benefits of annual dividends.  This is important because actual returns would be quite a bit better than my model, but I thought it would not hurt to be conservative and realistic.

I then decided to save the cost of one Venti Caramel Cocoa Cluster Frappucino per day — roughly $5.  Almost anyone, if they pay attention, can find ways to save $5 per day, once out of school and working for a living.

The difference between just saving your money vs. saving and investing it, is stunning.

The ‘saver‘ would save $73,000 over 40 years.

The ‘save and invest‘ person, assuming they religiously purchased the S&P 500 ETF over the 40 years, would have $510,000. The majority of this savings kicks between year 30 ($250,000 at that point) and year 40 (over $510,000), due to powerful nature of compounding. In truth this number would be larger due to dividends, but I think my point is simple enough.

  • Graduate school.
  • Get a job (in a career you like, at a company that is growing).
  • Don’t get into debt, other than possibly debt that has opportunity for appreciation (real estate).
  • Be careful to save money and invest it. The more you can invest, the better off you are, especially early on. Investing is a matter of engaging, taking a prudent risk, and building a habit for success.
  • 40 years for now, you are quite likely to have 700% more money than savings alone, and much more compared to someone who doesn’t save, or doesn’t save early on. Compounding takes time to work.
  • Financial success is not brain surgery but it does require a bit of discipline and foresight.

Some might say that saving and investing $5 per day “won’t make me a millionaire.”  Well, saving $7 per day would, on the same little spreadsheet that I know is too conservative. Take a quick look at the average net worth of America in this article. Even worse, CNN Money reports that over half of adult Americans don’t have savings to cover a surprise $1,000 expense and would have to rely on credit cards or family members to bail them out, although I find that statistic a bit hard to believe and question how it was determined. But the bottom line is simple — save and invest $150 or more every month, unfailingly,  starting the day you start full time work, and you will greatly exceed average.

Speaking of averages, this entire model assumes you will only do “average” as in the S&P 500 average by buying the SPY ETF shares. I don’t believe that average is in your destiny, if you question everything.

I.M. OptimismMan

PS. The Caramel Cocoa Cluster Frappucino is over 500 calories — it won’t hurt you to miss that too 🙂

Nov 102017

Life is too short and there is too much opportunity, to work in the wrong environment.

I’ve had a bit of time to ponder this question, having worked for nearly a dozen managers of all different types, from John Wayne, to Yoda of Sales, to a master ambassador diplomat, to Rambo of customer service, to a micro-manager that meant well, to Action Jackson, and more. Most became lifelong friends and role models, each with an important lesson to teach. Looking for common factors that mattered most to having a positive, empowering environment in which one can succeed, I believe my quote below sums it up:

I have had two chapters of my life when I had the privilege to take the lead and manage others. My theory followed these exact lines, but was summed up simply by Coach Lou Holtz’s simple formula for success in life — (1) Do Right, (2) Do the best you can, and (3) Treat others the way you would like to be treated — in a picture that watched over me at my desk. Anyone that has read my blog knows I admire Coach Lou — here’s a great commencement address if you have never seen Coach speak:

I believe it is the leader’s responsibility to communicate a clear vision and specific goals, then find and inspire the best out of each person entrusted to him or her, first gaining understanding and mutual respect, then adjusting his or her coaching and style to best fit each employee. Unfortunately, we often find ourselves in a ‘my way or the highway’ top-down scenario, where a manager is far more focused on pleasing his or her chain of command, rather than asking good questions and helping the team succeed. People can accomplish great things when they trust you and know you are out for their best interest.

Don’t waste years working for the wrong person. I’ve been fortunate and had great managers who simultaneously taught me important concepts while helping me succeed, inspiring me to think out of the box, take prudent risks, break barriers, and achieve new heights. If necessary, have the courage to make a move. Drawing a couple of new cards to improve your poker hand, trying new things, challenging yourself in mind-invigorating ways, makes life worth living.

I.M. OptimismMan

PS. Send me your feedback using the contact form. What important aspect did I miss in my quote above?

Oct 292017

As part of my Have a Daughter series, check out this speech by Reshma Saujani at TED.

I have written plenty of articles talking about the value of taking prudent risks and failing forward without loss of enthusiasm, but not in any specific context of helping daughters grow up well. Reshma opened my eyes to an important difference between boys and girls and how they are nurtured, and what must be done to encourage girls to take more risks at an earlier age.

You have a duty and choice: Choose to be a thoughtful, optimistic parent!

I.M. OptimismMan

Sep 292017

If you are a frequent reader of, chances are you already realize that I believe there is a significant dark side to social media, beyond just the time that it appropriates rather insidiously. Every technology comes with positives and negatives, but often, the negatives are ignored until the evidence is overwhelming, common sense be damned.

Simon Sinek is one of my favorite thinkers and speakers. In the interview below, he covers an amazing amount of ground, primarily focused on what plagues Millennials in the workplace and in life. Lots of factors have conspired to make this generation have a sense of entitlement without hard work. Simon makes some great common sense connections to the role social media is playing, which results in far less real lasting connections and relationships, which ultimately matters in one’s happiness and gratitude.

Click below — this is well worth the few minutes to watch:

You have a choice. Everything needs balance. At a minimum, no smartphones at dinner is a great place to start.

I.M. OptimismMan


Apr 182017

All of us daydream with a hopeful attitude from time to time. We imagine ourselves in a different state of life, often fueled by what we see on TV and in print.

Optimism is crucial — you have to believe you can — but it is important to remember to get started before all the lights turn green, be committed to your pursuit with great focus and energy, and finish no matter what for there are no credits, no rewards, no accolades, no windfalls, no satisfaction for those that quit halfway through.

Wishful thinking doesn’t help you…

  • Become wise,
  • or well-educated,
  • or loved by others,
  • or a great investor,
  • or a millionaire, multi-millionaire, or billionaire,
  • or learn to speak Spanish,
  • or play the piano, guitar, or harmonica well,
  • or speak compellingly in front of a large audience,
  • or play basketball, or squash, or racketball spledidly,
  • or do three fantastic magic tricks,
  • or ski black diamond slopes without breaking limbs,
  • or become amazing in terms of cardio fitness, or muscular strength,
  • or be the best parent you can be,
  • or smarter on any given topic.

Only doing, striving, trying, risking, stumbling, overcoming, learning, improving oneself, helps.

Today, are you mostly a do-er or a watcher? Do you make up excuses or do you hold yourself accountable? Do you set goals, and then milestones and specific plans to reach those goals? Do you embrace change and risk or do you hide from both. Do you have a burning desire to learn and grow and excel or is being OK good enough for you?

There is no time like today to decide your own DNA.

Just do it,

I.M. OptimismMan

Mar 162017

Too often, we think that those who achieve something really special were born with huge advantages. Yet, if you read stories about the most successful people, the common denominator is not birthright but rather optimism, a tendency to take initiative and action without over analyzing a situation, a confidence that overrides the voices of “realists” and “pessimists” that are ever present, a willingness to take a chance when the odds looks favorable, and a belief that failures are simply little setbacks to learn from on a road of adapting and overcoming every step of the way.

A great way to look at it is “Why Not Me?

Others become millionaires in less than 10 years. Why Not Me?

Others graduate college with honors, and double majors, and masters, and Phd’s. Why Not Me?

Others change jobs, and careers, until they find a dream gig. Why Not Me?

Others have wonderful marriages, and loving families. Why Not Me?

Others run marathons, learn to fly airplanes, get in killer shape, become published writers. Why Not Me?

Others live without stress. Why Not Me?

Others are genuinely happy, every darn day. Why Not Me?

Of course you can. This is America, the land where the system does not keep the tenacious optimist from success. No one will give it to you on a silver platter, but if you define your goals clearly, create plans with milestones, and get started on the steps others have succeeded with before, you can get there.

I.M. OptimismMan


Mar 062017

Worrying about stuff that might or might not happen seems to have risen exponentially as we have become more interconnected. Facebook and the rest makes us feel like we are not succeeding fast enough or big enough when compared to all those people we personally know. Kids born today seem set up from birth to worry more than any previous generation.

Since I believe we are the architects of our own mental psyche, I believe we can train ourselves to worry less by being mindful about our own thoughts and living in the present.

Below is an article that I stumbled upon on from a guy named Brian Howe.

I don’t know Brian, but his article hits the nail on the head. Here it is in its entirety because I don’t know how to link to a LinkedIn article without LinkedIn trying to track you and acquire you as a user. If you like it, consider following Brian Howe, from Inuvo, Little Rock, Arkansas on LinkedIn:

7 Ways You’re Making Your Life Harder Than It Should Be

Life can be a real struggle sometimes, no question about it.

As a culture, we worry way too much. In fact, we worry because we are worried that we are spending too much time worrying. We are worried that we don’t know our futures; we are worried that we don’t know exactly what people think about us and we are worried whether or not the stove was left on when we left the apartment and when we get back the building will be burnt to the ground and it will all be our fault….. Its sad that these are the sorts of things that keep us up at night. These little things can end up making your life 10x harder and drive you insane.

We live in a generation that is so anxious at every blinking moment of our lives. Here are some ways you’re making your life harder than it should be.

Sticking to a plan: You have begun to realize that life is a stage, and that you are the star of your own show. So, if life starts to stray from the Hollywood script you naturally start to panic like a middle schooler who missed their line in the annual school play.

It is common that your life is actually a lot more complicated and a lot more stressful. That scripted sitcom you’re used to watching where no-one seems to ever work but can still afford that awesome apartment is by no means reality. So, if life doesn’t follow the standard Hollywood script: its ok, no one’s does.

Dwelling on the past: Dwelling on the past can literally turn you into a crazy person and will eventually get in the way of the life you are currently living. How many times have you been standing in the shower, coming up with snappy comebacks to all the arguments you never won? Let it go – it happened 3 years ago.

Being dramatic: It’s easy to think this way. The moment something doesn’t go as you planned, you immediately think about the worst-case scenario: They’ll kick you out of college, you’ll be fired, Donald Trump will give up all his power to Putin. It never ends up being as bad as you thought, so keep that in mind the next time you feel like toasting your bagels in the bathtub.

Taking things personally: That jerk cut you off in traffic, you turned in your resume but haven’t received a response, your grandma cancelled weekly bingo with you because you’re not as fun as she thought.

Everyone makes mistakes and sometimes you’re the collateral damage. It doesn’t feel good, but don’t take it personally.

Comparing yourself to others: Its late at night, you have chip crumbs on your shirt, a diet coke on the coffee table and Netflix just asked you if you’re “still there” because you’ve been binge watching your favorite sitcom for the past 5 hours. Scrolling through your Facebook feed, you might feel the same feeling of disappointment we all do when we see another person get engaged, score a brand new job or buy that fancy new car. Heck, even the kid who ate the teacher’s goldfish in middle school got his life together. All you see is an endless stream of achievements, re-affirming your choice of bourbon for breakfast.

Keep in mind that Facebook is the highlight reel of people’s lives and they’re only going to show the touchdowns and tackles, not the part where they throw up on the sidelines or fumble the ball for a loss.

Taking risks: No one will care if you take a leap of faith and you fail – they’ll just be impressed that you took the leap in the first place.

Caring way too much: We spend a lot of our lives caring what other people think of us but, no offense, no one thinks about you all that much – apart from your mom of course. But this is a good thing: once you wrap your head around the fact that almost everyone is an egotistical narcissist, you realize that they care about themselves too much to pay much attention to you…and that’s liberating.

I hope that you enjoyed Brian’s article. Choose to worry less… just do you best today… and consider rationing your social media exposure to a couple of times per week — I believe it will help.

I.M. OptimismMan

Mar 052017

Remember that failure is an event, not a person.

          — Zig Ziglar

Far too often, people call each other — or themselves — a failure. The truth is that a failure is moment in time, the temporary result that happens when you try a certain recipe to accomplish something. Failures happen for many reasons, but the wise optimist learns from the experience and fails forward.

Always remember that failure is a result of a certain confluence of effort, timing, luck, attitude, and expectations, but so too is success. If Michael Jordon remembered all his missed last second shots, he would have been unable to make the shots that won so many championships and basketball immortality.

Stay enthusiastic! No pessimist achieves greatness. Persistence and creativity matter — and never say that you have tried everything — most people barely try two or three options before they give up.

I.M. OptimismMan

Feb 152017

Most people get old long before their bodies really give out. I’ve met 35 year olds that act like they are 70, and vice-versa. Your mental perspective matters.

Getting old, in some very important ways, is a subtle series of small choices – and those choices are more important than the inexorable realities of biological aging.

Here is my simple 6 step test for true aging and recipe to stay younger longer. If you want to stay young longer (or become younger next year), I believe that:

1. you must have sincere goals (not just lofty never-going-to-get-there goals, but goals with plans, milestones, supporting tasks, and weekly progress to make progress to reach them),

2. you must learn new, good stuff and skills regularly (weekly at a minimum, and write down what you learned (or you are likely to forget it soon)),

3. you must create stuff that matters at least to you if not others (weekly as well because if you don’t do something weekly, it won’t be a habit and habits lead to success),

4. you must make smart choices on a daily basis regarding diet (easiest way is to log your food and drink in MyPlate or similar apps because having it in writing helps a lot),

5. you must exercise because strength, health, and vitality slips away all too easily while a person sits in front of a television, and finally

6. you must make new friends and make the effort to go do fun things together.

What’s one great goal that you want to achieve in 2017? Just one. Don’t have one, with steps and plans to get it done? You might be getting old. As Lou Holtz put it in this video, you are either growing or you are dying.

Don’t read books right now? Well then, what if you decided to watch just one TED video every day, and write down the equivalent of one index card in your journal as to what you learned? is an amazing resource. It is a continuing education. You can’t help but learn.

What’s your latest creation?  Selfies on Facebook don’t count. Why not write a short story, or start a new creative hobby, or even a blog about something that you truly believe in. It will add youth to your mind.

Are you eating enough fruits and veggies? Maybe buy a Mediterranean Diet cookbook and make one new recipe a week. That’s not a lot of effort, but it has a lot of upside. Here’s another idea – go vegan for one day a week!

Are you breaking a sweat three times a week? If you heart never sees north of 130 beats / min, it is sure to be aging quickly. I started playing a new sport a couple of years ago and was blown away by how it helped my perspective and excitement.

Who is your newest friend or interesting acquaintance? Why not call them today and meet up for lunch?

Stay younger longer, become younger next year. Little steps make a huge difference. Commit your focus and energy and it pays dividends. Lastly, read this book — Younger Next Year — it offers a great perspective — you may not agree with every word, but I promise you that the authors will make you think.

I.M. Optimisman

Nov 122016

Our recent election was a war of ideas but, more importantly, personal mindsets. Many of the ideas were half-baked at best, but they were ideas to improve the country that we should consider and debate.

What was most interesting to me was to observe the mindsets of people as they debated the virtue of their candidate’s ideas. Some were all in on one side or the other, some were all out, usually making their minds up based on the personalities and news headlines about Clinton, Trump, Kaine, and Pence, but few actually seemed to evaluate each policy proposition on its individual merits and chances of success.

That led me to this interesting video, which has nothing to do with politics but asks us to examine our our own mindset. I think the current political battleground is a perfect backdrop to grow in our understanding of self. It is a good, short watch:

As I have noted in past posts like this one (question everything), I believe in the value of the scout mindset Julie Galef outlines.

Be optimistic, while questioning everything in the quest to think and understand clearly.

I.M. OptimismMan

Oct 162016

I have always believed that we create our own realities. Seeing is not factual, because our brain adds filters: few people understand that we are the ultimate authors of what we see. I believe we can decide how we think and what limitations we decide apply to our own lives.

What do I mean that seeing isn’t factual? First, here is a simple example:

What do you think this stock is about to do? What does your gut feel tell you? (This is not a trick question so please don’t overthink it)


OK, keep your answer in mind.

Now look at the picture below:

What can you deduce about the man in the picture?  Write down the first couple of words or bullets that come to mind.


I believe what we see is highly influenced by how our self image has been programmed by our life’s experiences, completely removed from the visual images streaming onto your retinas from reflected light. This is true in every facet of our life, for every visual “fact” that we think we see. When we face a change at work or school, we either welcome it or fear it, and those perspectives taint what we do, how we do it, and the results of those actions. When we face a challenge, we either believe we will adapt, overcome and thrive, or we believe we will fail or side-step the test. Because our lives are a cumulative product of thousands of daily decisions, consciously deciding our own perceived mental “reality” is crucial. This is a continuous process: we must choose our perspectives and understand our own biases, proactively dialing in our mental filters as we wish them to be.

Here is a great speech by Isaac Lidsky that is well worth watching (less than 12 minutes). I promise that it will help you see your own reality more clearly than you did yesterday:


Have you chosen to be an optimist, one that believes your goals can be achieved? Is the next project that you face seen as a crisis or is it a golden opportunity? How are you playing the game of life, no matter what cards you hold in your hand today? Do you embrace change in a positive light? Your mental state matters more than what you see with your eyes.

I.M. OptimismMan

PS. Here is the rest of the story on the stocks above:


Were you right or wrong? Here’s the truth: there was no visual evidence either way on the first chart, yet we all saw something in the picture that was not there. That is my point about our own mental lens. Don’t believe “just” what you think you see. Know thyself.

Sep 152016

Here is an infographic that makes the rounds every so often on the internet.

I think its a great checklist to reflect on your own attitude and what aspect you should decide to improve:


So, lets say you look at this chart and decide #10 is a personal weakness. What’s the first step to improve your mental perspective on “being willing to fail?” (As I have pointed out here in the past, you have to be willing to take prudent risks and fail forward if you are to accomplish great things). I’d vote for reading a book or two that highlights the value of failing early, failing fast, and failing forward. Just go to Amazon — there are numerous choices on this topic, and in truth — all the topics on this chart.

Designing your own, healthy, optimistic attitude is up to you. You can choose and develop your own mental perspectives.

I.M. Optimisman

Sep 052016

There has been a lot of debate in recent years about the “relative value” of a college education, especially in light of skyrocketing college costs and the corresponding student debt.

From my perspective, that’s the wrong debate. Common sense tells me that, if your goal is “to be all you can be” — to do your very best — finishing college is a given and a must. Sure, we have all heard the stories of the brainiac college drop-out who founded the next billion dollar startup. If your son or daughter has that special mix of entrepreneurial brilliance, unquenchable desire to learn on his or her own, and unstoppable drive, ignore the rest of this article. For most, however, I think the debate should focus on whether an undergraduate degree is enough.

Is a Masters degree worth the money and effort?


After doing a little analysis, the answer is an emphatic “yes“; in fact, I would argue that a Masters (or doctorate) is critical to improve one’s cash flow, reduce chances of unemployment, and have a higher ultimate trajectory in one’s career. A Masters offers more doors of opportunity, more chances to succeed. Unfortunately, opportunity does not always equal achievement. Higher cash flow means you have the opportunity to save and invest more each year, but that does not guarantee that a person makes that choice. You must still execute on the job and make great impressions on lots of executives to have a chance of promotions. And of course, you must recognize issues clearly, actively network, and look for new opportunities when the career track you are on proves to be a dead-end. Lots of people with advanced degrees don’t hit the ball out of the financial and career happiness park.

Most studies seem to focus “how much a person earns upon graduation” because those are simple metrics to find, and then asks how many years does it take to pay back the cost of the extra years of school. I looked at it from an investor’s point of view, including factors such as an increased rate of savings, compounded returns on investments, and improved chances of promotions and therefore future earning potential. I also tried to bake in some insidious realities, the worst of which is that people who make more money often spend more money. In the end, my spreadsheet assumes 50% of your additional earnings will be blown in spending instead of invested wisely.

While it varies by area of study, in general, Masters degrees are worth about 30% more income in many fields. That gap tends to become smaller as the value of on the job experience comes into play, but then widens again when promotions into higher levels of management occur. I decided to keep the 30% gap in the model throughout one’s career based on the assumption that these two factors balance each other out.

The assumptions in my “Is a Masters degree worth it” spreadsheet are:

  • Masters degree graduate earns 30% more before tax.
  • My Bachelors graduate saves 10% of salary and invests it at 7.5% compounding (Why pick 7.5%?).
  • My Masters graduate saves 15% of salary (because of better cash flow) and invests it at the same 7.5% compounding return.
  • Bachelors gets 4% raises annually.
  • Masters gets 6% raises annually (assumes greater promotion opportunities / and factors in better supply and demand aspects of having a Masters).
    Note that there are a number of soft benefits of the Masters baked into this 6% number — for example, having a Masters degree from a good brand name college increases your networking and credibility. Also, if your Masters degree is different from your Bachelors degree, it gives you a broader range of jobs to choose from if times turn difficult in one industry (for ex. the cyclical downturns in oil and gas that we are seeing right now are really tough on a person with only a BS in Petroleum Engineering or Geology). Lastly, your “birds of a feather” networking benefit will give you better connections across companies. All in all, this factor might be considerably higher than 6%, especially if you reach the highest levels of a corporation.
  • The cost of the in-state (yes, price paid for the degree matters) Masters degree is paid back over 10 years with no interest (assumes a loan from family).
  • No inflation factors are in the spreadsheet – but if they were, both savings numbers would reflect it the same so I didn’t see the need to over-engineer.
  • My spreadsheet models working until 65, and assume the student attains the Masters in two years time (works two years less in their professional job than the Bachelors-only graduate).

The bottom line is that the person with a Masters, given the same amount of optimism, initiative, and tenacity in his or her career — as well as equal will power to save and invest — is likely to retire / start phase three with approximately twice as much in savings / investments. In today’s dollars, the end result @ retirement was $2,034,720 in investment accounts for Masters vs $1,071,274 for Bachelors.

For the student, it boils down to this one question: Why not spend 2 – 3 extra years in school to enjoy greater cash flow, have more opportunities, and save at least $1 M more by the time you retire?

Click here to dive into the details of my spreadsheet.  I could have added more fine-tuning but the case is quite compelling without a lot more spreadsheet work. Please email me with suggested improvements or observations.


Here is a really interesting research paper on the topic, including details by area of study. A Masters is not worth nearly as much in certain fields as in others.


Get a Masters. Do whatever it takes. It is not even close. I believe that continuing college, straight through to a Masters, is the best way… because once in the workplace, distractions abound. Discipline is crucial to success in every phase of life, no matter if you are working on your college degrees or your nest egg for financial independence and comfort: It is crucial to start saving and investing right away — starting late makes things much more difficult, because compounding requires lots of time to do its inevitable magic (See rule 21 here within my 22 rules for financial success).

Final thoughts: Given the woeful state of social security and the changes in longevity, I believe that “normal” retirement age is likely to change from 65 to 70 before 2050. In such a case, the Masters advantage will actually become much larger because compounding gains really kick in the afterburners in the latter years of the model. If you missed it, I really don’t believe in retirement as most understand it: here are my thoughts on retirement. Lastly, success and wealth is a broader topic than savings and investments. Here is an article from a few years ago that helps a person take a 360 degree view of everything that contributes to true wealth.

I.M. Optimisman

PS. Not every career is impacted by the masters degree equally. I am a professional sales executive in the high-end computer software space, an arena where no colleges (as far as I know) offer any degree. In professional sales, the masters doesn’t help regarding direct earnings which are usually target based, although it clearly does help with promotions and outside opportunities. If you are the parent of a student that seems destined to sell professionally for a living (hmmm, I wonder if there are kids that think “sales” when in school), I would suggest creating your own spreadsheet model and sharing it — I would love to contribute. My gut tells me it is still well worth it, due to the improved odds of moving up into upper management.

Aug 252016

Hollywood says that it portrays better equality in the movies, but in truth, they are handily flunking the test. The message in well over 85% of movies is male, and violent, and the prize is the girl at the end of the movie. When a girl is featured, she is usually a warrior dealing out violence as well.

Parents of girls have to see the issues and messaging clearly and do their best to compensate because Hollywood is not helping, or changing anytime soon. An excellent observation in the TED talk below is that this imbalance has an enormous effect on boys as well, and how they view and treat women.

This video by Colin Stokes is well worth your twelve minutes:


Lets make this world better for our daughters than it is today. Every step matters.

I.M. Optimisman 

PS. Here are the previous three articles in my Have a Daughter series:
Part One   Part Two   Part Three

Aug 212016

For the last few weeks, we have watched the 2016 Olympics in Rio. Sport, especially at the Olympics, is the most obvious lab that proves that greatness requires optimism. Does anyone win a gold medal without hope and belief?


It is hard for me to understand why pessimists and realists think it is better to be a pessimist or a realist.


Make the right choice with your life.

I.M. OptimismMan

Jun 122016

It is halfway through 2016. Are you halfway done on your resolutions? Do you remember where you put the list? It is a great good time to review what you decided to accomplish this year.

I believe resolutions are a great tool to replace bad habits with good habits. Changing habits is not easy without daily focus, accountability, and willpower. For that reason, minimalist champion Leo Babauta is right: focus on one habit change at a time. Habits take time to change — usually 12 sincere weeks — so quarterly resolutions are a great idea, in my humble opinion.

Job one is to keep “it” — whatever it is — front and center. Front and center reminders might be different for different people. It might be on your computer’s wallpaper, smartphone’s wallpaper, bathroom mirror, and refrigerator door. Whatever combination works for you.


The next step is to keep an honesty-with-oneself log. Let’s say your resolution is to go to the gym 15 days each month. Be specific: I believe you are better off to say 15 profuse-sweat workouts each month, because quality of effort gets targeted too. Log the days you go, what you did, and how much time you spent. Log the days you didn’t go. Review the situation daily. Pale ink helps willpower.

Finally, each of us has a finite amount of daily willpower. It is much harder to do “it” after we have struggled to overcome ten other objectives throughout our day. I recommend doing “it” as early as you can, when your willpower tank still has a lot of willpower megawatts in it.


Quarterly resolutions, one at a time, are the best way to adopt four habits for improvement and success, every year. Just be careful not to lose the previous habit when you move to the next.

I.M. OptimismMan

PS. Idea for habits to improve, beyond the obvious fitness example above, include reading for 25 minutes per day (and writing down a couple of lines about what you read), learning one new thing per day (and writing it down of course), watching less TV each day (logging time and what you watched), or eating one truly healthy meal each day (always write it down).

In my opinion, time thrown away watching TV is right at the top of the insidious list of bad habits that is incredibly hard to improve: one main reason is that we are most like to turn the TV on after our willpower has been depleted for the day.

Apr 072016

Over the years, I have often written about the essential requirement to be 100% committed to whatever you are doing. Overcoming adversity demands it, and every one of us will run into plenty of adversity. In my life, I learned this painful lesson as a freshman in college, when — and this is most definitely not my proudest moment — I literally threw away a full ride scholarship because I was not committed to doing my best and doing what it takes to succeed academically. The good news is that after enough anguish and self-appraisal, I learned the lesson. I decided that if it was to be, it was up to me, and no excuses matter. I adapted and I overcame.

My little story pales in comparison to Inky Johnson’s story, for Inky has overcome exponentially greater adversity than I have. This is a story well worth watching, and in my opinion, more than once. It is essential to watch it when you have 10 minutes without distractions. I hope that you enjoy it. I hope that it gives you food for thought. I hope that it changes your resolve to give every day and every endeavor 100% commitment:


Anyone with enough will, and enough belief, and a purpose beyond themselves, can achieve greatness and make a positive impact on others. Anyone.

I.M. OptimismMan

PS. Here is part 2 after you have absorbed part 1.

Feb 252016

Differentiation is important. People decide who they want on their team, who they hire, who they promote, who they buy from, who they associate with, and who they become friends with, based on what they perceive makes a person special and different than the rest. Personal differentiation is driving force behind who gets elected, who a person marries, who succeeds and who flails about.

What makes you special? What makes you better than the average guy? What makes you stand out? How do people describe you to a stranger? What quality will make you a success over the long-term?

For some, their differentiator for personal success if obvious. Kevin Durant’s height, athletic ability, and basketball IQ made his destiny as one of the best players in the NBA simple to see, even as early as high school. Sure, he made smart choices that helped, he had determination to persevere, he envisioned his future and did what was necessary to make it happen. But his differentiators are God given and quite obvious to all, especially the ones that had to guard him.

Most of us are not freaks of nature endowed with superhuman hops. We are born much closer to average than being an extreme outlier in terms of ability. In statistics, outliers are stats that are so far outside the averages and the normal bell curve that the data points look like bad data. Mozart was an outlier in musical ability. Einstein was an outlier. Wayne Gretzky is an outlier, as are Tiger Woods and Michael Phelps.

So what can the rest of us do to differentiate ourselves?

The answer is far simpler than you think, although not necessarily easy. Far too many people search for natural traits that they were born with, rather than decisions that they can make and stick to. The trick is to find an area of life where few people make the right decision, the decision that could help them immeasurably over the long-term.

Uncompromising personal integrity is one such magical ingredient: the differentiator that can serve as the bedrock to build a great life of success. Unquestionable integrity is a choice that anyone can make, but in truth, exceedingly few people do. Yet, when a company is looking for a leader to be in charge of a division, integrity is one of the most important criteria that it looks for in candidates for the position.

We live in a desert of integrity.

One aspect of integrity is telling the truth. University of Massachusetts researcher Robert Feldman conducted a study that was published in the Journal of Basic and Applied Psychology. Robert asked two strangers to have a conversation for about 10 minutes. The conversations were recorded. Afterwards, each person was asked to review the recording. Before doing so, the research participants told Feldman that they had been 100% honest in their statements. However, during the review, the subjects were surprised to discover all the little lies that came out in just 10 minutes. According to Feldman’s study, 60 percent of the subjects lied at least once during the short conversation and in that span of ten minutes, subjects told an average of 2.92 false things. If 60% lie when it does not matter in just ten minutes time, it seems logical that more than 85% will lie when there are greater incentives and the outcome really matters. A recent study of dating websites found that 81% of people lied about themselves while seeking a new mate and another found that 91% of college grads lied at least once on their résumé. Our world is a desert of integrity indeed.

Another aspect of integrity is whether or not people steal or cheat when they have a good opportunity. The fraud prevention industry has long held to a general rule of thumb called the 10-10-80 rule. Chain retailers with experience of millions of employees believe in it. The rule says 10% of people will never steal no matter what, 10% will steal at any opportunity, and the remaining 80% of employees will steal or not steal, depending on how they evaluate a particular opportunity and their chances of getting caught.

Integrity is greater than simply being perfectly truthful and not stealing, although these two aspects are black and white and therefore simpler to measure. Keeping your promises, doing what you say you will do — no matter what it takes — is the fundamental core basis of integrity.

The choice of integrity is available to you and completely up to you. Your past matters not. You can make the wise choice to live a life of uncompromising personal integrity from this day forth.

I believe that integrity should become your #1 differentiator. Choose to become remarkable: becoming remarkable is not a birthright. Less than 10% of people demonstrate integrity in their daily lives by avoiding all deceit. When you add in doing exactly what you said you will do, keeping all your promises large and small, you will discover a world few people know and understand: you will become a person who is destined for success. Others will inevitably learn that you are the rare person who they can count on in good times and in bad, the person who will do his or her very best, the person who will do the right thing every time when put in positions of greater responsibility.

I.M. Optimism Man

Feb 212016

Almost every conversation I’m engaged in or overhear contains a large number of “I wants…” within. I can’t help but notice that the vast majority of those wants remain unfulfilled for most people. I hear people say that they want to earn more money, but do very little, if anything, to earn more. I hear others say that they want to lose 10 pounds, but the weight stays velcro’ed to their waistlines.  I hear many say they want to find a better more-fulfilling job, but those same folks don’t go on interviews.

I believe what is missing for most people is “all in” commitment.  The answer is to convert your average “I want…” to “I must…


Abraham Lincoln observed:

Commitment is what transforms a promise into reality.

A great start to get this “all in” level of commitment is to write down your goal, in specific, measurable, concrete terms, and then clearly summarize in one or two sentences why this goal is important, now.  The “why” behind a goal is crucial.  Finally, a goal is nothing but dreamy, wishful thinking without a target date, so decide “by when” and write that down as well. Start right away, without delay.

commitment quote

What if you decided that you must lose 10 pounds this month, not someday in the future?  How would you approach things differently that you do now?

The iMUST method works if you concentrate and focus your attention and energy — having a dozen initiatives at the same time divides your focus and energy, and is a recipe for failure. I suggest pale ink and a little always-in-your-pocket logbook to help keep your focus and your memory accurate. If your iMUST goal this month is to lose weight, write down every calorie that you eat, jot down whenever you successfully choose the heart-healthy entree instead of the usual, accurately note your exercise achievements, and track your weekly progress.

Upgrade your attitude to iMUST. Commit, and you can and will accomplish your goals.

I.M. OptimismMan 

Feb 132016

Nothing ventured, nothing gained.

Four words that have survived since the mid-1300’s. Why? Truth thrives.

I have often written about the extraordinary opportunities available to all of us. We live at an extraordinary time, a time of fantastic and rapid change, in the best country in world. I believe that the opportunities to achieve whatever one wants to achieve in today’s America are limitless.

Yet, I know a lot of people that look at the same things I do and simply don’t see it the same. They see scarcity where I see abundant opportunity. It has taken me a while to figure out why but I believe I now understand. There are three fierce guard dogs at the gates of opportunity, and it turns out that most people see the snarling beasts, they miss seeing the gates, let alone the rainbow and waterfalls in the garden on the other side.

The guard dogs are risk, sacrifice, and faith. One or more of these prevent many from jumping on thousands of golden opportunities. Today I’ll spend a few minutes discussing the first one — risk.

Young adults have a great advantage over most of the working population. If they grew up in an optimistic home, they believe they can conquer the world, they have little if anything to lose, they don’t yet listen to (or at least adhere to) the often faulty, limited “wisdom” of their elders, and they have had few disheartening experiences. There is good reason most tech start-ups are fueled by young adults.

As we get older, we tend to take less and less risk. This risk aversion invades most of the facets of a person’s life: financial, emotional, professional, psychological, personal, you name it. Yet the core truth of “nothing ventured” rules nearly every facet of life.

By the time people hit their 40’s, most don’t want to take any chances. This is a terrible mistake that shackles one’s life. Without accepting risk, all you can expect is a lousy return following the path of the risk-free herd. When you embrace good risks, you expand your possibilities and your life.

Overcoming the fear of risk is possible and comes from learning and understanding probability better than the average person. Risk is simply half of the equation: once a person learns to evaluate risk clearly, in relation to probable return, she can start making educated decisions regarding the worthiness of any endeavor. These three guard dogs start to look much more lovable.

It is easiest to understand risk vs. return in simple betting. If someone offered you 3:1 odds on the flip of a quarter, it becomes a good bet – in other words a risk worth taking, because the quarter flip will win 50/50 over time. On a dollar bet, you would get paid $3 the 50% of the time that you win, but lose only $1 the 50% of the time you would lose.

The same is true in life. If you invest $1,000 in a growing, successful company that has a current P/E ratio of 10, a historical low for the stock, because of a short-term sell-off, while all its close competitors have P/E’s of 25 – barring any skeletons in the closet, you generally have taken a good bet – odds are much better that your stock will appreciate to $2,500 (probably more (because I’m ignoring earnings growth over time in this example)) rather than falling to $500 in the future. You can further mitigate the risk by investing $1,000 in 10 companies in similar situations – even if you are wrong on 5 of 10 — and 3 of them get halved while 2 tread water and stay at the price paid — if the other five do move up to their historical P/E, your final tally would be $16,000 on a $10,000 in investments, or a 60% return. If you leave that $10,000 in a money market account at Bank of America, you will earn less than $5 per year in this crazy near “interest-free” financial climate.

Yet many people never overcome the fear of risk. My suggestion is start small and gain momentum gradually. A big misconception is that those who take risks are fearless. Not true. People that take prudent risks, after weighing the probable rewards, are courageous and smart.

I really like John Wayne’s definition of courage….the Duke said “Courage is being scared to death – but saddling up anyway.

It is incredibly important that a person learns to embrace prudent calculated risk during his entire life, learning from experiences as he grows older. There are always risks worth taking, and when you are 40, 50, or 60, you have a much broader base of experience, connections, and resources than when you were but 22. The idea is not to put more than you can afford to lose in any one investment or idea.

My discussion took a financial turn because it is easy to illustrate with numbers, but taking prudent risks is just as vital on your emotional, professional, personal, and psychological facets of life. If you come up with a great idea that is worthy at work, take the risk and land a meeting with your own CEO. Pitch it! You might just make Executive VP after all. Go to that job interview. Ask that girl out. Go ahead and volunteer when they ask. Speak up at the community meeting. Try helping out at the local soup kitchen or Meals-on-Wheels or Big Brothers Big Sisters — seriously! Start that little business on the side and stick to the project to the finish line. Always remember that it helps to fail spectacularly from time to time in order to become extraordinary in the end.

The great Wayne Gretzky is right when he says “You miss 100% of the shots you don’t take.

Michael Jordan put it this way: “I’ve missed more than 9000 shots in my career. I’ve lost almost 300 games. 26 times, I’ve been trusted to take the game winning shot and missed. I’ve failed over and over and over again in my life. And that is why I succeed.

What have you ventured this month? What have you ventured in 2015? Take more risks to be all you can be!

I.M. Optimism Man