Mr. Shoaff even taught me to pay my car payments with enthusiasm. He said, “Next time you pay a hundred dollars on your installment loan, put a note inside the envelope that says, ‘With great enthusiasm I send you this one hundred dollars.’ ” Smiling broadly, he continued, “You won’t believe what a stir this will cause on the other end. They don’t get many notes like that. But most important, you won’t believe what will happen on your end. You’ll feel in control, carrying with you a philosophy that brings joy instead of frustration.

A new discipline immediately changes the direction of your life, like a ship turning in mid-ocean and heading toward a new destination.

The ultimate reason for setting goals is to entice you to become the person it takes to achieve them