TIPS: First created in 1997, these Treasury inflation-protected securities protect you against spikes in inflation. - Tony Robbins

All personal breakthroughs begin with a change in beliefs. So how do we change? The most effective way is to get your brain to associate massive pain to the old belief. You must feel deep in your gut that not only has this belief cost you pain in the past, but it's costing you in the present and, ultimately, can only bring you pain in the future.

I challenge you to make your life a masterpiece. I challenge you to join the ranks of those people who live what they teach, who walk their talk. They are the models of excellence the rest of the world marvels about. Join this unique team of people known as the few who do versus the many who wish — result-oriented people who produce their life exactly as they desire it.

All too often, the security of a mediocre present is more comfortable than the adventure of trying to be more in the future.