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i City of Santa Ana - September 17, 2003 <br />Steps of Personal and Financial Success <br />I. Personal Success <br />A. Your Goal Is Your Future <br />1. Plan and be goal oriented <br />2. Planning Process <br />B. Health And Happiness Makes You rich <br />1. Understand strength and weaknesses <br />2. Money does not make you rich <br />3. Burn -out <br />C. To Laugh And To Love Is To Live <br />1. Treat others with dignity and respect <br />2. You are not the center of the world <br />3. Optimistic <br />4. Have fun <br />5. Brush up on basic Human Relation Skills - Motivation - Communication - <br />Leadership - Team Building <br />D. "When You Are Green, You Are Growing; When You Are Ripe, You Rot" <br />1. Be willing to learn <br />2. Be Flexible <br />3. Education is a life -long process <br />H. Financial Success <br />A. Take care of basic necessities of life <br />1. Home/Condo, Car, Food <br />2. Pleasure <br />B. Take care of insurance needs <br />1. Health, Auto, Home/Renters <br />2. Life, Education <br />C. Savings Plan - Cash Flow <br />1. Budget <br />2. Pay self first <br />3. Set goals <br />4. Break the chains of slavery <br />S. Maximize tax deductions - Maximize savings <br />6. Never earn the same dollar twice <br />D. Investments - Stocks - Bonds - Mutual Funds <br />E. Retirement Strategies - IRA, 401 -K, 403 -B, 457 <br />F. Estate Planning <br />1. Wills vs. Trusts <br />2. Protect the children <br />3. Power of Attorney <br />III. So How Can You Get Started <br />A. Make a Decision <br />B. Get Educated - Take a class - Read <br />E. Form a Family Team <br />Robert J. Ash <br />Professor/Training Consultant <br />Office: (714) 564 -4620 <br />Home: (714) 505 -7988 <br />