Personal confidence comes from making progress toward goals that are far bigger than your present capabilities. - Dan Sullivan

Ideals are like a horizon in the desert. No matter how many steps you take forward, the horizon continues to move out of reach. Psychology has a term for this moving horizon, hedonic adaptation. It’s the tendency of humans to quickly adapt to where they are and what they’ve got. It leads to never being satisfied, and to constantly seeking the next thing.

If you look at the estate planning industry today, the basic strategy begins with identifying the number of heirs. Why? To divide the estate up amongst as many heirs as possible, utilizing all the gift and transfer techniques. One of the first rules of war is to “divide and conquer.” And so, if I'm dividing the assets up, I'm setting that family up for failure. Our findings show that in all too many situations, traditional planning has done more to destroy families than taxes will ever do. Traditional estate planning operates around the four D's: Divide the assets, defer those assets downstream as far as possible, then dump them on what most times are the ill-prepared heirs, and watch those ultimately dissipate. It's been said that only two percent of family wealth ever makes it past the third generation. So I think that's all you need to know about the effectiveness of traditional estate planning.

Even religion, which is supposed to bring people hope and healing, can be a reason people go into the GAP.