so let's talk about when you should
upgrade your lifestyle because at
different moments of your life you're
gonna have to make some key decisions
they're gonna affect your entire quality
of life and that might be whether or not
you should move out from your parents
home and move into your own place it
might be whether or not you should start
this new job or go to school start a
business make this investment whether it
should borrow money whether you should
buy a new house or buy a new car or to
take that vacation or spend more money
on your lifestyle and live a better
quality of life you know I might be
entering into a new relationship it
might be investing in yourself and
growing and improving yourself through
seminars and coaches and programs and it
might be the most important decision
that you make is where to spend an
investor time all important decisions
that if you make the right decisions at
the right times of your life it's gonna
lead to a prosperous life it's gonna
lead to the good life you make the wrong
decisions at the wrong time of your life
it's gonna get you in trouble your
decisions are what's going to determine
your success your financial abundance
your health and well-being your love and
your passion and happiness and joy in
your life your fulfillment or it can
also affect whether or not you're broke
and struggling or whether or not you're
in debt or whether or not you go through
a bankruptcy whether or not you go
through a divorce or whether or not you
have a health challenge or you're
stressed or depressed all these things
are dependent on the decisions that you
make in your life right now all the way
up to this moment of your life whether
you love your life and it's awesome or
based on your decisions and you got to
take responsibility for that you know if
you're broke and you're struggling right
now and you're unhappy it's because of
the past decisions that you've made that
you've made no one's held a gun to your
head you're responsible for that and
what really matters is whether you take
ownership of that you learn from that
you don't let that dictate your future
because what's going to determine your
life is what you do here on out work
okay making the right decisions at the
right time if you've made some poor
decisions then you
got it you've got to make some
adjustments because if you keep making
the wrong decisions it's gonna get you
into more trouble in your life and you
know the purpose of this video and the
videos that I do is to help share things
that I've learned and I've been blessed
I made a lot of good decisions in my
life but I've also made a lot of bad
decisions I've also made some poor
choices especially earlier on in my life
and thankfully I learned from that and
I've gotten better I've improved I've
made a lot more good decisions than bad
ones but knowing how to make decisions
the right ones to make it's always a
dilemma
and so I I'll share with you guys my
opinion on this I've actually got a
question from someone on snapchat I'm
gonna answer today that goes more into
this and it's from Regina and she says I
know you probably get a lot of questions
and my question may not be answered but
I'm gonna ask anyway what should I do if
I want to change my life should I live
with my mom and not live in the room
that I want to live in even though I
can't afford it right now my mother
thinks I'm crazy from wanting expensive
things that I really can't afford I
don't know what to do should I save up
for a coach and just be in school in the
remainder of my school years in
university I feel like I'm dabbler I
don't want to be a dabbler anymore I
need help
thank you for your videos you make me
think that there is more to life and I'm
not gonna give up so Regina I just want
to say thank you for the question it
takes a lot even just asking for help
you know a lot of people they have their
ego that comes up or they don't want to
be vulnerable and they don't want to
admit that their life isn't great or
perfect and so it's often challenging
for people to actually reach out and ask
for help so I respect you immensely for
that I'm gonna share with you my opinion
on this and there's a few things that
you mentioned I'll do what I can to
answer the best way that I can one of
the most important decisions are gonna
make in your life that all successful
people make everyone that is financially
wealthy is made is the decision to live
well below your means okay to live well
below your means meaning to spend a lot
less than what you earn
meaning you don't upgrade your lifestyle
if you can't afford it you know if
you've ever read the book The
Millionaire Next Door most people that
are millionaires they all live by this
they all spend a lot less than what they
make okay so that they can be more
conservative they can save their money
they can invest their money but most
millionaires you wouldn't even know that
they're a millionaire you know most
millionaires just drive a regular car
most millionaires they don't flaunt
their success and their wealth they
don't live a very extravagant lifestyle
because what's gotten them to become a
millionaire has been making smart little
decisions throughout their life and
throughout the you know the money that
they make and what to do with it
so when you have the dilemma of should I
upgrade my lifestyle but you can't
afford it that's just a stupid decision
that's a decision that's gonna get you
in trouble in your life because you're
trying to pay for a lifestyle you
haven't yet earns there you don't yet
deserve you haven't provided value to
the world you haven't earned the money
that can then allow you to be able to
support the lifestyle that you learn
then worthy of and deserve through
consistent hard work and sacrifice and
and persistence and belief and investing
in yourself and taking massive action
and adding value and creating something
of value and worth to the world living a
great lifestyle whether it's a nice
house or a nice car or traveling the
world or whatever that might be to you
is really just a symptom it's just a
symptom of you have a provided value
become value to the world and then it's
a way to celebrate that it's a way to
reward yourself for the hard work that
you put in that's the way that I look at
it
you know in order to get ahead
financially like I said you got to spend
a lot less than what you make if you
can't afford it don't do it don't
upgrade it instead you should ask
yourself the question how can I afford
this how can I get to the point to
upgrade my lifestyle by becoming more
valuable making more money starting a
business you know getting a promotion at
my job and you know actually proving my
worth and my in my job in my career by
upgrading and providing more value to my
company you know saving my money putting
myself in a situation where I can win
long-term because a lot of people they
make decisions for the moment for the
short term and they don't consider the
long-term consequences of that the
decisions that I make guys are always
long-term decisions I think it through I
don't make decisions off an impulse if
anything I'm more conservative with the
decisions that I make there might be
times where I might take more risks here
and there but for the most part I'm very
conservative about the things that I do
in my life and especially about the
money that I have and what I do with it
so what I recommend is upgrade your
lifestyle only when you're worthy and
deserving of it so here's what I
personally do you know many of you guys
have been following me for many years
and if you go back four or five years
ago back in 2012-2013 and many of you
guys know is living at an apartment
which I can actually see from here from
my rooftop small apartment you know 500
square feet little apartment in downtown
Vancouver and you know at that time you
know I was doing a lot of online
marketing and different ways of making
money online and I was actually doing
pretty well you know at that point back
in 2012-2013 I was making over 100 grand
a year but you know you didn't really
see it you know you didn't really see
based on my lifestyle quality of life
because I was saving my money I was
investing my money that's making smart
choices and when a lot of people saw me
move from that little apartment to the
pentose on the 48th floor which I lived
in for two years which I can also see
from
my apartment right here - at the
sheraton wall center that was very
strategic it wasn't out of an impulse
like hey you know I've I can't afford
this and so I'm gonna move into this
place that I can't afford that would
have been a poor decision
so before I upgraded my lifestyle I
decided okay I've got to achieve a
certain milestone before I move into
this penthouse or before I'd buy the
sports car before I go on this trip or
before I do whatever it is I make the
decision strategically that in order for
me to reward myself with this upgraded
lifestyle I've got to hit this milestone
and for me oftentimes I might be making
a certain amount of money and then once
I achieve that goal making 100k a year
then I'm gonna upgrade or there might be
once I've saved a certain amount of
money or it might be once I've reached a
certain level of my investment portfolio
my net worth and then I'll make sense
for me to upgrade my lifestyle to that
Knicks in that next point the next level
so for example before I moved into the
penthouse you know at the time as I
think paying $1,000 a month that rent
all the way up to over $5,000 a month
and that the pentose there I had made
sure that I had invested my money I'd
saved my money I'd bought an investment
property right and many of you guys know
is one of my goals that I had for my
yearly goals back in 2013 where I bought
I bought an apartment that I rent out
still to this day as an investment I
mean those smart decisions first and
then once I said okay you know what
now I'm ready to upgrade my lifestyle
and I can afford it and I've got
emergency money here my business is
doing well my business wasn't just doing
well for a month or two months or three
months I made sure that it's consistent
it was secure as diversified that it
wasn't just you know a gimmick that made
me some money short term and that didn't
last so guys it was strategic it was
thinking long term because I don't want
it you don't wanna make decisions that
are gonna compromise your future your
ultimate vision because the decisions
you make today are just stepping stones
that are gonna lead you to the ultimate
life and vision that you have turning
that into a reality
you know right now today you know I've
from that pentose I upgraded my
lifestyle to now to this penthouse and
you know upgrading my lifestyle in a lot
of different ways and there's still a
lot of things that I want to upgrade my
lifestyle to you which I can't afford
right now you know for example I want to
buy a Lamborghini I want to get a second
home in California it's been part of the
year in California there's other things
that I want to do but I can afford that
but I only allow myself to upgrade my
lifestyle once I've made some smart
prior decisions beforehand that are
setting up my future to win and then
I'll say okay you know what once I get
to three million dollar investment
portfolio and my stock market then I
will allow myself to buy that
Lamborghini or once I get to this point
of you know in my business or
financially then I will buy you know buy
a new home or whatever it might be so
it's very strategic guys it's very
calculated I'm after the long term I'm
willing to sacrifice short term you've
got to have patience you have to be
willing to delay gratification which is
always a very important principle and
rule of success people that want instant
gratification will always make the wrong
decision because instant gratification
is gonna mean that they're gonna eat
junk food right and if you junk food if
you make poor eating choices that are
more based on the instant gratification
the comfort then obviously you're not
going to create the healthy and fit body
that you want people that are healthy
and fit they know how to delay the
gratification that if there's an
opportunity that comes up there at a
birthday and there's a cake there they
decide you know what I'm gonna sacrifice
I'm gonna delay this because I'm after
the long-term rewards I'm gonna get by
having a healthy and fit body right or
if you just you know make a bunch of
money you have this big win whether or
not you make the decision hey I'm gonna
splurge right now and spend all this
money or whether or not you're gonna say
you know I'm gonna delay that
gratification a little bit I'm gonna
mess this money in myself or I'm gonna
invest it in a business or something
that's going to help me create the
future in the life that I want
you see I don't believe all your
decisions have to be long-term based but
majority of them do you know most of
your decisions have to be based on the
long-term I don't know what the ratio
would be I would say for myself 80 to 90
percent of the decisions that I make
day-to-day especially the key ones that
I make in my life are always based on
the future in mind okay what's got my
business to where it's at today is me
focusing on the future me focusing on
okay you know what I'm gonna put in this
time or this money and I'm gonna create
this content I'm gonna add value and do
all this stuff upfront because I know
it's gonna benefit me down the road I
know that it's gonna build my brand I
know it's gonna build relationship with
people it's gonna add value there's a
lot of opportunities that come up that I
can you know easily make money doing
this or that but I know it's gonna
compromise the future it's gonna
compromise what I really want to create
in the life I want to live so Regina
you've got to make decisions for the
future you've got to be patient you've
got to take your time with it there's no
rush the more you can delay it and delay
upgrading your lifestyle then you're
gonna get there faster you're gonna get
there further ahead you know I've made
decisions in my life early on where I
had to make sacrifices because I was
living on par with my means I was making
two grand a month at one point and I was
spending two grand a month other points
in my life I wanted the instant
gratification I was spending more and
upgrading my lifestyle too soon and I
was paying for this lifestyle and credit
cards getting myself in a hole that took
me years to get out of you know
and credit card debt it's really hard is
it's really challenging to get out of
because you're paying such high interest
you know most of the money is going
towards the interest that you're paying
off not the principal so I made some
poor choices and I paid for it but I
learned from it and I took my time I had
the patience because that's focused more
in the long-term results and rewards and
I can tell that you're young because you
mentioned yours you know still in school
you've got the whole world your whole
future ahead of you
you know so if you make the right
decisions now you're gonna be set we're
gonna be set for the rest of your life
you know one of the most important
decisions I made when I was a lot
younger when I was 18 years old
aye-aye-aye sort of work and well beyond
when I was in a book even before I was
15 years old because I worked in the
family business with my dad but I didn't
get paid till I was maybe 15 or 16 years
old but that's really good was saving
money and I put money aside when I was
18 years old I read the book called a
wealthy barber by David Shelton and I
was learning about compounding and you
know putting money aside and investing
in mutual funds and you know I just did
did what the book said you know what a
concept right it's like we learn these
things a lot of people just if they just
apply what people teach they will get
results but oftentimes people have a lot
of barriers just to apply the things
that they learned but that's all I
really did I just I look the stuff that
I learned I just put it into action I
just believed what I was learning from
these people these books and these
resources and I just did it and you know
I just knew that hey you know what the
decision I'm making right now to put
aside a hundred bucks a month it's gonna
benefit me when I'm in my 30s and 40s
and 50s and 60s that eventually I'll
become a millionaire just through this
simple habit the simple decision of
making that throughout my life now I
could have taken that money and spent it
and partied and done other things with
it but I was looking ahead to my future
I knew that my future self would thank
me for that so make those decisions for
the future Regina that you know I'd say
that first and foremost take your time
set a milestone for yourself allow
yourself to upgrade your lifestyle but
just tell yourself you'll do it once
you've achieved this goal and I think
that's how these rewards should be they
should be rewards for you having
achieved a goal you know that's the way
I like to structure it if I'm gonna go
on a vacation I'll stay to myself okay
I'm gonna work on this project I'm gonna
achieve this results and then I'm gonna
plan my vacation after that and that's
gonna be the reward that I'm gonna enjoy
myself for the hard work that I put in
now you're asked you know should I save
up for a KO should I be in school these
are all decisions that are made based on
your vision for your life okay if you
you know you probably know my work and
you watch my videos and you know that I
talk a lot about having a vision having
goals for your life you got to know what
that is you got to know what that
long-term vision is ten twenty thirty
years from now because that's what's
gonna help you make your decisions today
whether or not you go to school or
whether or not you start a business
whether or not you get a coach it's
based on the life that you want I mean
if you want a life a financial wealth
and abundance and freedom and you want
to travel the world and you want to you
know live a certain lifestyle and live
in luxury you mentioned like expensive
things then you need the right vehicle
that's gonna get you there
is going to school and you know and
getting a job is that gonna create
freedom for yourself long term is that
gonna create this financially abundant
life I don't know you know I don't know
it depends what kind of job in the
career that you want to pursue but you
know that's why I chose to start a
business and an online business because
I knew I had this vision for myself that
I wanted to travel and I wanted to have
nice things and I want to contribute to
the world I want to build houses and
home and schools and be a philanthropist
in and I want to you know help people
III knew that early on just by deciding
my visions change and evolve but if you
the essence of that and that helped me
make the decision early on in my life I
just knew that going to school that's
not gonna lead me to what I want you
know it's just gonna lead me to a
nine-to-five till I'm 65 years old and
then maybe I can retire and live a good
life I didn't want to wait you know I
knew that because of the internet
there's a lot of opportunities that
exist that could allow myself to live a
different lifestyle and and and and and
create that future and I knew that time
was on my side that the you know if I
just gotta get started on it and that
long term how to get to where I want to
go so that's a decision you make based
on your vision it's also based on your
values which I did a video on look up on
my channel how did I think it's called
how to create your values in life or how
to determine your life value
because their values of what's important
to you is gonna make the difference of
the decisions that you make in the
direction that you're gonna go if you
value security then you're gonna make
different choices versus something that
values freedom people that value
security you're gonna be more prone to
having a job someone that values growth
or contribution or freedom is gonna take
a different path in their life so you
got to know what your values are you got
to know who you are you know that that's
the main thing and the way you learn who
you are is you ask yourself questions
you dig deep you go out nature you think
you Journal you write things down you
invest and you learn you know I've
learned them and discovered Who I am
through a lot of seminars I've gone to
in courses and books that I've read and
all these things really did was they
made me ponder they made me think about
my life in different ways they presented
new opportunities that I didn't know
before existed the opportunity of the
4-hour workweek or the certain lifestyle
or a healthy and fit body or a
passionate loving relationship these are
all things that I didn't I didn't have
awareness of when I was young when I was
going through high school I just played
video games all day but it was through
the self-discovery process that I got
more clarity about who I was and what I
wanted and once I got set on that then
it's pretty easy to make decisions from
there so you got to make those decisions
you got it you got to discover who you
are know yourself learn yourself read
books invest in yourself if you invest
in something and it doesn't work out
it's never a loss it's always a win
because of what you learned from that at
the end of the day is gonna still add
value to your life I tried a lot of
things and I failed I tried a lot of
things that didn't work out I tried a
lot of things and I changed my mind but
that's how I learned that's how I
learned what I wanted what I didn't want
when I was single I I dated around I did
different girls and made different
people I invested time and in this
person it didn't work out I vested time
in that person it didn't work out dated
that person for a way I was in this
relationship for a few months
it's not a loss it's not a waste of time
I learned from that who I was and what I
wanted what kind of relationship what
kind of life that I wanted people that
start a business and they change their
mind or they do this certainly that's
not a waste of time dad that's just a
natural process that everybody has to go
through very few people you know the
moment they're born know what they want
to do with their life you know even you
know LeBron James and professional
athletes and tried different sports in
school before they decided on the one
that is almost aligned with their vision
the future that they want most
entrepreneurs have been through multiple
businesses most people have had multiple
jobs throughout their life a lot of
people are going to go to school and
they don't even end up using their
education they do something else instead
now of course the better decisions you
can make and prevent yourself from
making the wrong ones and wasting time
that is ideal of course but you're never
gonna make a hundred percent perfect
decisions you got to accept the fat that
you are gonna make the wrong decisions
and choices all you got to do is get
back on track as soon as you can and
learn from that get clarity from that
they could then guide you in your life
in your future great question I think
this could help a lot of people talked
about a few different things
you can get out of the dabbler just
commit yourself commit yourself to goals
that you want to set set goals commit
yourself to it work hard towards them
believe in yourself
keep learning keep growing this there's
never a bad investment when you invest
in yourself now I've never had it I've
never made a bad investment in myself
I've been to a lot of seminars I've been
through a lot of coaches I've been
through a lot of books and a lot of
resources and I would never say that any
of them were bad they're all good
because they all played a vital part of
who I am today
you know when I was 18 years old I spent
five hundred bucks on a seminar for my
friend zan Perry on you know
relationship coach at the time and I did
an interview with him on my YouTube
channel now I made many other
investments but you can always learn
from everything everything has value if
you look for it if you take the lessons
from it if you have an open mind and you
don't have your ego get in the way
thinking that you know it all or that
you need to be right
guys it's all about self growth I think
that's probably the most important
qualities you can have in your life is
that if you're always willing to grow
and improve and invest in yourself you
can't go wrong because you'll always
learn from your mistakes
which will eventually lead you to making
the right decisions your life but I
always think long-term guys long terms
where it's at
not if not always you know how fun enjoy
your life too but if you can make more
long-term decisions in the short term
and delay that gratification is what's
gonna get you further ahead I promise
you guys that all right guys I'm gonna
wrap it up hopefully you guys enjoyed
this video
talked about a lot of different things
let me know what you guys think leave a
comment below hit that thumbs up and and
if you guys want to learn more about me
go to project life master comm or check
out the description for different
trainings and programs and resources
that I have that I've created to be able
to serve you guys those that want more
to commit themselves to mastery and
create the life that you guys want god
bless
you
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