We’ve all got to worry some-but we can’t let it conquer us. Instead, let it alarm us.

Now, here is my definition of success: A few simple Disciplines practiced every day. Do you see the distinction? A few disciplines... Here's a little phrase we've all heard, An apple a day keeps the doctor away. And my question to you is, What if that's true? How simple and easy is that plan?

Failure is a few Errors in judgment repeated everyday. The man says, Well I didn't walk around the block today and it didn't kill me, so it must be okay. No, no, it is that kind of error in judgment that after six years has him out of breath and panting as he walks from his car to his office. You can't make those kinds of mistakes; it will end up costing you.

For things to change, you have to change. For things to be different, you have to be different. Before financial success can occur personal growth must occur.

Treat the past as a school.

The goal of effective communication should be for listeners to say, 'Me, too!' versus 'So what?'

There are two key lessons: a) The only way to survive in business is to be profitable, unless you have an unlimited amount of money; b) Get through your difficulty and learn to do better next time.