The career or type of work you choose – and whether or not you choose to
work at it – can be paramount to your financial peace. Viktor Frankl, author
of Man’s Search for Peace, says that “life is never made unbearable
by circumstances, but only by lack of meaning and purpose.” Thomas Edison
said that “the secret of success is focus of purpose.”
We will spend well in excess of 100,000 hours of our lives working at our
choice of vocation. The sheer math of a per-hour rate makes this decision
very important. You must plan your work and then work your plan. Happy and
effective people have found a vocation for which they have a natural
aptitude and have committed themselves to excellence in that vocation. These
are the people who have a vacation for a vocation.
Everyone has some natural talent or aptitude in one or more areas. If you
can identify those areas you not only will be happier and perform more
successfully in that role, but you will also become better paid for that.
Our free-market system pays for performance at some point. When you have a
natural talent or aptitude, coupled with desire and experience, the result
is productivity plus.
This is such an important financial concept that I recommend detailed
aptitude testing if you are not happy and functioning at peak efficiency.
These tests are sometimes expensive, but in relative terms if you discover
an aptitude for an industry with a salary potential from $75,000 to $100,000
within a few years – and you are making $30,000 now at a job you hate – that
is a good deal. The economic change will easily make the testing pay its
way, not to mention the self-growth that occurs when you find a vocation
that suits your aptitudes.
If you are currently in a vocation that is perfect for you, it is time to
excel. You must get busy to do the work necessary to excel in what you do.
The old saying holds true: if you are going to eat and eat excellently, you
must get up, leave the cave, kill something, and drag it home. The boss
can’t do it for you, the company can’t do it for you, and the competition
can’t do it to you if you have made up your mind to succeed.
This is not some hyped-up vision of success. It just involves hard work
at something that comes naturally for you and that will sooner or later
catapult you to where you want to be. In most industries you can outwork 80
percent of your cohorts and outsmart (use the knowledge you have) 15 percent
of the rest, putting you in the top 5 percent – which always pays very well.
If you are good at something, you become more intense, and so you get more
creative. Consequently, you accomplish more, so you get paid more. This
causes you to enjoy it more, which in turn means you will get better at it.
This process is what we call an excellence cycle. If you get caught up in an
excellence cycle, you will find that your financial problems will no longer
be caused by a low income.
On the other hand, you can get caught in a death cycle. When you finished
school, you may have given as little thought to your career as to what
clothes to put on that day, and so you entered a field not well suited for
you. You may have thought about your direction based on what your parents or
your friends thought should be your direction, and so you entered a field
not well suited for you. A lot of people feel this way, and it takes a toll.
An article in the Los Angeles Times reports that the risk of heart
attack is 33 percent higher on Monday morning. If so, you probably hate what
you do, are less intense, and are less creative. As a result, you accomplish
less, and you get paid less or you level off. Now you become even more
unhappy, which starts the cycle again. You need to get out!
You should start making plans today to get away from your bad situation
as soon as possible. You will be happier, healthier, and wealthier. One
warning is in order, however: Do not quit your job today! Do not get all
excited and destroy your monthly budget by making a rash decision. You can
begin the process of discovery and transformation today.
Dave Ramsey offers life-changing financial
advice as host of a nationally syndicated radio program, “The Dave Ramsey
Show,” which is heard by nearly 4.5 million listeners each week, on more
than 450 radio stations throughout the United States. The author of multiple
New York Times best-selling books, Ramsey added television host to his title
when “The Dave Ramsey Show” on Fox Business Network debuted nationally Oct.
15, 2007. Dave is the creator of EntreLeadership – a business course
taught to entrepreneurs and leaders on how to successfully grow a business.
For more information, visit
www.daveramsey.com.
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