Structured Notes. These are perhaps one of the more exciting tools available today, but, unfortunately, they are rarely offered to the general public because the high-net-worth investors gobble them up like pigeon seed in Central Park. Luckily, the right fiduciary is able to grant access for individuals even without large sums of investment capital. p176

today. Others find their greatest dreams are far in the future, in some perfect world of total success and fulfillment. But a journey of a thousand miles begins with a single step, and it’s important to be aware of the first steps as much as the final ones. 3. Once you’ve set some time frames, pick four goals that you can realize this year. Pick the things you’re most committed to, most excited about, things that would give you the most satisfaction. On another sheet of paper, write them down again, and also write down why you absolutely will achieve them. Why to do something is much more powerful than how — if you get a big enough why, you can always figure out the how. Think not only about yourself but about others in your life as well. How would your family or friends benefit if you achieved your goals? If you have enough

Change happens when the pain of staying the same is greater than the pain of change