So no more whining about the cards you were dealt, the great defeats you suffered, or any other circumstances. Countless people have more disadvantages and greater obstacles than you, and yet they’re wealthier and more fulfilled. Luck is an equal-opportunity distributor. Lady luck shines on all, but rather than having your umbrella overhead, you’ve got to have your face to the sky. When it comes down to it, it’s all you, baby. There’s no other way around it.

No matter what has happened to you, take complete responsibility for it — good or bad, victory or defeat. Own it. My mentor Jim Rohn said, “The day you graduate from childhood to adulthood is the day you take full responsibility for your life.

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You have to be willing to give 100 percent with zero expectation of receiving anything in return,” he said. “Only when you’re willing to take 100 percent responsibility for making the relationship work will it work. Otherwise, a relationship left to chance will always be vulnerable to disaster.

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As Jim Rohn put it to me, “Don’t let your learning lead to knowledge, or you’ll become a fool. Let your learning lead to action, and you can become wealthy. There’s nothing more pitiful than a guy who is smart and broke.

Every incomplete promise, commitment, and agreement saps your strength because it blocks your momentum and inhibits your ability to move forward. Incomplete tasks keep calling you back to the past to take care of them. So think about what you can complete today. Additionally, when you’re creating an environment to support your goals, remember that you get in life what you tolerate. This is true in every area of your life — particularly within your relationships with family, friends, and colleagues. What you have decided to tolerate is also reflected in the situations and circumstances of your life right now. Put another way, you will get in life what you accept and expect you are worthy of.

Here’s the bottom line: You already know all that you need to succeed. You don’t need to learn anything more. If all we needed was more information, everyone with an Internet connection would live in a mansion, have abs of steel, and be blissfully happy. New or more information is not what you need — a new plan of action is. It’s time to create new behaviors and habits that are oriented away from sabotage and toward success. It’s that simple.