As a progressive person, meaning someone that strives to make progress every day towards being a better person by tomorrow than they are today, and for whom that’s practically 100% of how my days go, you can reach a situation where you can’t win any more by pressing forward with the wins you currently have.

You have to give something up in order to open up a new pathway to your own future greatness.

First of all, that isn’t necessarily obvious to you, and second of all, you might not want to do that AT ALL because you’re so emotionally invested in your current set of wins.

For example.. Let’s say you have a 9-5 job and then you like having free time and spending your money that you worked so hard for during the week.

If you want to make more money than you’re currently making, you have to spend time educating yourself or working on a startup or some kind of business idea “after-hours”. You can’t keep your 9-5 hours and your 5-9 hours and still get more stuff in life. You have to give something up. Maybe that’s 3 hours per day working on your concept and taking meetings with potential investors. Maybe that’s 0 hours per weekday and you spend all weekend on your new business idea or your education towards your new skill.

Also, if you choose education, you might not be able to get it all from the internet. You might have to pay someone to teach you what you need to know, which means you’re giving up MONEY as well as giving up TIME. Money that would have been your opportunity to do something fun or relaxing or whatever instead of enhancing your personal worth and ability to generate revenue.

A lot of people want to keep everything they have and still get more. That’s possible, but that might not be the easiest road forward. It also might move you forward more slowly than you could have moved had you assessed your current situation and made some pertinent decisions.

A few months ago, my sister put me on about this show called “The Profit”, which I would never have checked for evAr in life. πŸ™‚

Basically, it’s about this rich dude that finds companies worth investing in because they have good ideas but have been mismanaged, he buys out their debts so nobody can make a claim on his future success, takes over controlling interest in the areas of the companies he needs to control in order to ensure (to whatever degree that’s possible) that success, and then makes money for himself and his new business partners that they wouldn’t have been able to make on their own.

On the face of that, that seems to be the point I’m speaking to. As the business owner, you can either not get involved with Marcus and continue to lose due to your own mismanagement or poor dealmaking skills, or you can give up a percentage of your control and a percentage of your profits and you can WIN with Marcus, though your win will come to your more slowly as you own less of your company.

However, what I’m talking about is your mind is Marcus and your life is the company.

As soon as my sister told me about this show, I watched all of the episodes. Immediately. Only taking breaks to drink beer at a bar instead of drinking beer while watching “The Profit”.

It’s taken a few months for the lessons to really become second nature, or what I would really call first nature, though first nature doesn’t appear to be “a thing”! πŸ˜€ haha but my Terminator HUD is fully operational now, and I’m seeing businesses everywhere.

More important than seeing businesses, I’m seeing things AS businesses. Assets & Liabilities. Cash Flow. Profit. Leaks. Space. Inventory.

When you see yourself as a business, besides the fact that I *am* a business, it becomes way easier to make assessments and decisions based on factual evidence.

So let’s say that pizza costs $3 USD per slice, but you can get 8 slices for $18.

You can either buy two slices of pizza today for lunch for $6 and two more tomorrow for lunch, for a total of $12

Or, you can buy an entire pie for $18, eat 4 slices for $9 and still have 4 left for lunch on the next two days.

This is assuming that one can live off of pizza, which one can. πŸ˜€

The point, however, is that if you require fresh pizza, you have to pay the premium.

If you enjoy reheated pizza, which I do, you can buy pizza in bulk and save money.

You’re getting the slices for $2.25 instead of $3, saving $.75 per slice, or 25% of your lunch budget.

If you’re eating two slices per day, you’re saving $1.50/day that you could allocate towards something important, like beer.

If you drink a lot of beer, you can buy it wholesale instead of retail.

If you eat a lot of sandwiches, you can buy cold cuts and bread from the grocery store instead of paying for people to make you ready-to-eat sandwiches.

PrΓͺt Γ  Manger?… Is that A Thing? o_O

The point being that if you aren’t looking at yourself as a business, these things aren’t going to be obvious. Yes, it’s going to be obvious that cold cuts cost less than prepared food, but it isn’t going to be obvious how much you’re saving, why you want to save it, or what you should allocate those savings towards.

Let’s say you eat every day.

If you take your food budget down from, say $30/day to $20/day, you’re gaining $10/day or $3,650/year and you could have bought that used car without having to finance it.

And then you have to think about your time. Time is money. You can still do a cost-benefit analysis on your time.

If you insist on fresh pizza, you have to get dressed twice, go outside twice, wait at the pizza shop twice, take your chances with how long the line is twice, it’s an amazing waste of time.

If you don’t want to spend your time, you could spend your money and have your food delivered to you.

People think this is more expensive than getting the food yourself, but in that 30 minutes you were waiting for the food to arrive at your door, you could have billed 30 minutes’ worth of work to a client, completely offsetting whatever you’re paying for lunch AND simultaneously making you a profit.

In the 5 minutes it takes you to open, read, think about, and respond to someone’s email request for advice, you could have done 1/12 of an hour’s worth of work for a client, which is really at least 1/4 of an hour (15 minutes) of work because I don’t know anybody that charges anyone by the minute. πŸ˜€ The smallest block I’ve seen available is 1/4 hour, and some people consult at a rate of $200/hr, so do the math. πŸ˜€

If you aren’t getting paid to hand out advice for 5 minutes per request and you get 12 requests in a day, you just jerked yourself out of an hour’s worth of pay.

Not to mention an hour’s worth of fun or whatever else you might have been planning for your life.

As a business, that would mean that you’re leaking opportunity.

As a person, it might seem like you’re spending time frivolously, but it’s way worse than that.

Without holding yourself to the standards of a business, you won’t recognize the time, money, and energy leaks that are wasting your time and preventing you from progressing way more quickly.

Some leaks are necessary.. Or, if not necessary, useful, because they serve a purpose.

I’m a member of several gyms.

Not because the gyms have different weights or machines, but because different gyms have different quality levels of women.

If I don’t care, I’ll go to the slummin’ gym, work out, and go about my business.

If I do care, I’ll go to a better-quality location and hang out there all day like a country club.

Personally, I enjoy the feeling that I can go wherever I want whenever I want, so that’s worth that financial leak.

If I cared about the money more than the chicks, I would work out with the weights I already have at home.

Having said that, gym memberships have to be RECOGNIZED as a leak, or a liability as opposed to an asset.

The only way your gym membership is an asset is if you’re meeting people at that particular gym that you’re subsequently doing business with.

Some people don’t recognize their cars as a liability. Unless you’re driving people around as a cabbie (which I don’t recommend), you’re paying for the upkeep of that car and getting nothing out of it.. Even though you might be using it to get to client locations instead of paying for mass transit, and you might be using it to get to the beach on the weekends so you can enjoy yourself, so there are benefits to having a car, but you have to recognize that it’s draining your money instead of making you money.

Some people don’t recognize the fact that THEY CAN’T COOK as a liability.

I can get $21 worth of steak from the grocery store and eat lovely for days.

Meanwhile, I’ve spent $21 on one fast-food hamburger meal at Wendy’s.

So you can either eat for days or eat twice, assuming you don’t finish AND you enjoy reheated burgers and fries. (which I do, hehe)

You can buy $8 worth of cold cuts and bread and eat for way longer than purchasing two hero sandwiches at the store.

I guess my point is that you need to have a list of priorities so that you know which are going to be the first to go if you get into a money crunch.

More importantly, you need to have a list of how your day goes so you can spot leaks and fill the holes.

My friend SX challenged my internet utilization. She accused me of being addicted, which I’m not. πŸ˜€

That was a reason for me to assess the amount of time I spend on the net.

Within a month or two from that conversation, I took my daily social media time down from several hours to a maximum of 1 hour, which is really more like 15 minutes at a time, 4 times per day.

Let’s say I was doing 4 hours per day before that. I was often doing even more, as I edit video on a computer and I mix music on a computer so it’s nothing for me to click over to my browser and back, all day.

Plus, being a freelancer, I don’t commute, so my business time is pure business. No waste there.

However, social media isn’t that simple, and if you get involved, sometimes you have to stay involved for the life cycle of the content you posted.

For someone like myself, who has 5,000 FB connections, that can be a long-ass time before a thread loses traction. Often more than a full day.

So the leak there was posting without recognizing the time sink that maintaining that online conversation actually is.

The time itself doesn’t matter, but what does matter is how much time you spend thinking about social media instead of learning something, billing hours to a client, drinking brew with chicks, whatever it is that you would have been doing if you never would have posted anything to the net to begin with.

Even sitting down and writing something like this. It takes me hours to write a blog post. πŸ˜€ I enjoy writing. I also enjoy sharing ideas with people. I DEFINITELY enjoy all the new friends I’ve made, online and IRL, who have read my blogs, enjoyed the content and made contact with me, some of whom I’ve known now for several years and are some of the closest people to me. <3

So, as a business, I have to consider whether I want to spend time thinking about and responding to online content or whether I want to write something new and hopefully interesting for my readers & friends. I choose the latter. πŸ˜€

Some people don’t recognize that the person they’re dating is a liability.

If the person you’re dating has Champagne Wishes & Caviar Dreams but is making Rolling Rock money, they’re a liability.

They don’t have to be. You can tell them that when you go out, you’re only going to spend the amount of money they brought to the table, but then that means that *YOU* aren’t going to have as good a time as you could have, so nobody really wants to do that.

A homegirl of mine and I trade off paying for things, like I might pay for drinks & food and after that, she’ll pay for the movie & popcorn & whatnot.

One time, it was my turn to pay for the drinks, but she kept ordering bottles of wine, and although I tried to look cool about it, my eyes were spinning like in the cartoons when someone pulls the lever and you see the lemons and oranges and it finally ends up $$$ and all the coins pour out of their mouth! πŸ˜€

I was willing to ‘eat that’, even though it was going to kill my budget for the week, but when I went to pay for it, she was like “Nah” and picked up the tab and I was like “THANK GOD!!! :O”

I was willing to eat it because she’s important to me and we don’t take advantage of each other, so if she went overboard ‘on my dime’, if that’s what made her feel happy, I was down with it. πŸ™‚

Unfortunately for a lot of dudes, this is their USUAL experience with chicks. The chicks keep ordering and the dudes keep paying! πŸ˜€ HAHAHA

Like Chuck D said.. “Suckers… Don’t last a minute…”

If you’re living within your means, especially if you’re living WELL within your means and whomever you’re dating is wrecking your financial situation, that person is a LIABILITY. Period.

If you want to keep them around like I keep my multiple gym memberships, more power to ya. Enjoy it, but recognize where the leak is.

I started this out with the title “Lose To Win” because the game is set up for you to never maximize your potential.

It’s set up so that you’re always striving for something, like these people that take out 30-year mortgages on their homes and spend the rest of their lives working to pay that off.

What happens when you maximize your winnings and you still want to win more? o_O

You might be able to find something new and go for that while maintaining what you already have.

More likely, you’re going to have to give something up that isn’t providing you enough ROI (return on investment) to justify your sustaining it instead of focusing your energies elsewhere.

You want to learn more? Spend less time on social media.

You want to work more? Cut down the time you spend commuting.

You want to invest more? Spend less money on food, beer, and strip clubs.


Spend less money on food and strip clubs.

Your life is a business, and you’re running it. You’re the president. You’re the CEO! πŸ˜€

Take over your own life like The Profit.

Delete whatever debt you have.

Mitigate unnecessary leaks.

Maximize your earning potential as far as time spent for money earned.

Get rid of things you no longer need for pennies on the dollar so you can use those pennies to fund your future success.

Surround yourself with intelligent people that you admire and trust.

Help people that you want to see succeed who are striving to help themselves.

Sometimes, you can’t get THAR from HEUH. (I love that country saying, hehe)

Sometimes, HERE takes up too much of your time to maintain, so you need to deconstruct HERE to get THERE! πŸ˜€



Join the Conversation


  1. Aren’t we a chatty Cathy! First, let me start by saying how much I love the randomness of YOU. Such a rare find. Interesting piece here, since I’ve had to make choices like this on some leaks. Obviously, the goal of your gym is not getting in shape, per se. When I joined my boxing club it was paramount that I get my health back, but its turned into something different since then. It has more to do with seeking and getting inspiration, second chances, friendship, loyalty and redemption. Yes, I have a really good gym. All of that for $40 per year! As I was reading this I noticed many parallels, but with differing paradigms. We hold many of the same ideas, but with different impetuses. Very zen-like if you ask me. Not all of my investments can be seen on paper. I don’t have full-time work, but am looking. I like to volunteer and have added another volunteer job because I wanted “more work.” I’ve really met some great people doing this. For me it’s more of an investment in humanity and feeds the soul. Until I find my 9-5 I’m creating a portfolio of graphic design items to sell. I did spend all of my tennis money last week on tipping drag queens and buying beer, though, but it’s not as much of a leak as I imagine strippers would be. Lawdy! Now thatks to you I know where my leaks are ;-).

    1. lolol πŸ˜€ First of all, I think Chatty rhymes better with Patty than Cathy, Nat Dogz, but that’s neither here nor there! πŸ˜› <3

      Thank you for the comment!

      “seeking and getting inspiration, second chances, friendship, loyalty and redemption”.. THIS is great! πŸ˜€ That’s what’s up, that you found more than what you expected at your gym.

      You can meet people who are pulling for you to succeed, and just that much can make your day. Whether you do well at the gym or not, knowing that people WANT the best for you.

      Try a little harder to keep that Tennis Money in your pocket!! πŸ˜‰

      Work is an interesting concept. Most people do it because they have to do and they don’t feel like being homeless.

      It’s a different thing for people who have already mastered the game… Work is something you do to spend your time well.

      If we can spend good time AND get paid for it, it’s the best of both worlds!

      Cheers! πŸ˜€

  2. Hi Bill,

    what an enjoyable post! (Yes, I am still alive,in case you remember…)
    Although I am a little shocked at how much you seem to like reheated junk food. πŸ™‚
    The thought process you describe has become second nature to me when I had my first kid (had another one last year). Balancing work and family and personal interests is really difficult. If I want to get anything done at all, like hone skills or acquire new ones, I have to put a strict limit to the time I spend online. It means no facebook, no twitter, no whatsapp, no smartphone. The latter also because I like to be 100% present when I am with my kids or other important people in my life. Saving time is more important than saving money, because time is the scarcest resource.

    On a different note: Do you plan on covering the next presidential election campaign the way you did last time? I enjoyed reading your insightful articles very much.
    Have you read about Lawrence Lessig’s candidacy? I understand that he does not get a lot of media attention, although I find his plans regarding campaign finance reform deserve to be supported. What do you think?

    1. FISHINGROD!! πŸ˜€ <3

      Thank you for the note and the update (2nd kid). πŸ˜€

      It's interesting that you bring up focusing on people IRL.. When friends and I get together for drinks, of course we all have smartphones. πŸ˜› I always pay attention, however, to how attached each person is to their online connection.

      I don't have a ringer on (never do, actually, haha) and my phone isn't in sight. Other people have their phones on the table, but face down. Other people have their phones on the table and face up. Some people's phones aren't apparent until they get up from the table.

      Of the people with their phones face down on the table, some of them can tell that they got a message because a light will flash on the phone or the phone will vibrate.

      The people with the face-up phones can obviously tell, but so can everyone else, and then that's where the difference is.. Some of those people react automatically and pick up their phone and check to see what happened as if they're doctors on call or something (which they aren't). Others will glance at the phone, as it gives you a temporary note about what happened before the screen turns back off.

      Of course, on top of that, you have the people who will have entire phone conversations or text message conversations, again as if what they just received was immediately important, which it isn't.

      So yes, it's a great thing for you to jack out entirely when you're spending time with important people.

      Sometimes, I overdo it with that and don't pay enough attention to extra chicks at the bar while I'm spending time with my planned company.. Gotta work on that! πŸ˜€

      As far as the campaign, it's insane. The candidates suck, and as opposed to the last two seasons, I have no idea at all what's going to happen because each person is worse than the previous one. It's going to come down to attrition.

      I'm going to take a look at it though, and definitely write about it, as horrible as it is. πŸ™‚ I'm getting back to my own blogging now also, which is why I saw your comment now, hehe.. Changing several things preparing for my 2016 season! πŸ˜€


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