A Different Degree of Wealth

Before You Can Create Good Financial Habits, You Need This

In 1989 Steven Covey published The 7 Habits of Highly Effective People. Having sold more than 25 million copies, it remains one of the most popular self-help books of all time. And Time Magazine listed it as one of “The 25 Most Influential Business Management Books.”1

Much attention has been paid to the seven habits themselves, which are excellent guidelines for developing into a more mature and ultimately successful person. But Covey covers a much weightier principle, one that must be embraced before the good habits can take hold. And that’s the concept of a personal paradigm change.

A paradigm (pronounced PARA-dime) is the model or framework we use to make sense of a situation.2 For example, if your phone rings at 2 AM, you automatically assume it’s going to be bad news.

Personal paradigms are so all-encompassing, they can be difficult to change. It can be like trying to pick up your shoes while still wearing them.

Instead, Covey suggests simply examining the assumptions your paradigm takes for granted by examining them from the outside. If you can find evidence that what you initially took for granted might not be true, then your paradigm will begin to change.

Covey explains that paradigms are deeper than attitudes or behaviors.
He says, “If you want to make minor changes in your life, work on your behavior. But if you want to make significant, quantum breakthroughs, work on your paradigm.”3

Many people have copied the “habits” part of Covey’s formula. Googling “7 habits of highly effective” gets you 158,000,000 results. One of those is an article from Bloomberg titled “The 7 Habits of Highly Effective Investors.” It covers a list of excellent money tips, including things like “Plan for financial emergencies,” “Spend less than you earn,” and “Save early and automatically.”4

It’s all good advice. But if your finances were out of control, and a well-meaning friend printed out the article so you could stick it up on your fridge, would that be all you needed to change?

Successfully saving for retirement does require you to incorporate certain behaviors into your life and then repeat them so diligently that they become habits. But going from knowledge to habit can be extremely difficult if your paradigm does not see the value or make room for those habits.

One of the most valuable things we can help you with is adjusting your big picture. It’s important not just to see what’s possible, but to come up with a personalized, long-term plan. As you begin to succeed and build your nest egg, sticking to those good habits simply becomes a part of life.

Have a wonderful weekend!

Source: Efficient Advisors

Golf Tip of the Week

A Simple Drill for Better Contact Off the Tee

You bomb your first tee shot down the middle, only to barely reach the fairway on your next two drives. If this sounds familiar—you can’t put together two good drives in a row—then look no further than the quality of your impact. Chances are you’re missing the center of the clubface, or sweet spot, which is robbing you of that consistency you want off the tee.

Here’s a drill from Chris Mayson, one of Golf Digest’s Best Teachers in California, to help optimize your attack angle and hit the ball in the center of the face. Grab your driver and tee up a ball, then place two hand towels on the ground, one in front of and one behind the ball. Set up normally and hover the clubhead behind the ball. Make a full backswing, pushing your hands away from your body, and as you swing down, try to sweep the ball off the tee without touching either towel. The flatter and wider the bottom of your swing, the better your contact.

“You need consistent contact and a reliable amount of speed to make the ball go the same distance, and you need to make sure the ball hits in the middle of the face so the speed is coming out the same way every time,” said Mayson, who has taught multiple winners on the PGA and LPGA Tours, including 2017 Women’s British Open champion I.K. Kim.

With this drill, if your swing bottoms out behind the ball, you’ll hit the back towel. If you’re too steep, you’ll whack the forward towel. Remember, the key to good driving is having a long flat spot at the bottom of the swing—a level sweep through impact. Work on this drill on your own, and pretty soon you’ll be hitting your drives consistent distances.

Tip adapted from golfdigest.comi

Recipe of the Week

Christmas Punch

8 Servings


  • 1 orange sliced
  • 1 cup cranberries
  • 1/2 cup pomegranate seeds
  • 2 cup cranberry juice
  • 2 cups orange juice
  • 1 cup pomegranate juice
  • 2 cups Sierra Mist or Sprite
  • 1 cup white rum (optional)
  • Rosemary for garnish
  • Ice


1. Combine all ingredients in a large pitcher or punch bowl over ice. If using a really large punch bowl, you can double the recipe.

Recipe adapted from sugarandsoul.coii

Health Tip of the Week

8 Healthy Tips for A Healthy Christmas Season  

Christmas is only one day, yet by the time we reach December the social events and work deadlines can take their toll, so it’s important to keep yourself healthy.

Nutrition is a great place to start, but it’s important to remember that many lifestyle habits are connected. Whether it’s the quality of your sleep or the way you manage stress, all have a positive or negative affect on how you feel.

We’ve put together 8 top tips focusing on your overall lifestyle to keep yourself well so you can enjoy the holidays with friends and family.

  1. Regular fiber rich meals
  2. Avoid going hungry
  3. Keep your food safe
  4. Change up your drink choices
  5. Keep active
  6. Manage the busy days and weeks
  7. Prioritize sleep
  8. Enjoy the social

Tip adapted from heartfoundation.orgiii 

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