How do I gain momentum?

Thanks for the A2A.

If I understand your question correctly, you’re asking how to stay motivated.

You cannot segregate motivation because you cannot be motivated at home and then not motivated at work. If you are, that means something is missing in your life. Because you have to live your life passionately and aggressively in everything you do.

To complete this, you will need to follow the daily practice from James Altucher.

Continue reading “How do I gain momentum?”

how to get out of debt hell?

When you’re in debt, you feel like your in hell. In debt-hell.

And there is only one way of getting out of debt-hell. And that is with great intensity and focus. And by that I mean, you have to be willing to live like no one else so you later, you can live like no one else.

Living Debt-Free is a lot easier than you think.

If You’re Going Through Hell, Keep Going

“If You’re Going Through Debt-Hell, Keep Going — Winston Churchill” – Joe Di Lillo

How To Get Out Of Debt-Hell

The first step is to stop incurring more debt. Quit borrowing money. Cut your credit card (s). Cancel your line of credit, sell your house if you have too! Take an oath and quit borrowing money. There’s no such thing as good debt! As of right now, quit borrowing money. Forever! I’m not a very religious man but I love reading Proverbs 22:7

“The rich rule over the poor, and the borrower is slave to the lender.”

No such thing as good debt.

The second step is to live on a tight financial budget. You can use a spreadsheet program like Excel or use a piece of paper and a pen. It doesn’t matter. A budget is simply you telling your money where to go instead of asking where it went at the end of each and every month. Reduce your monthly expenses to the bare minimum. Your main expenses are food, shelter, utilities and transportation. Everything else should be cut. And that includes eating at expensive restaurants, cutting your entertainment packages (Internet, Cable Television, Satellite TV, Netflix etc.) Cell phone plan, gym memberships etc. Every dollar saved is a dollar towards paying off your debts. In this step, organize your debts by lowest amount to highest and attack the first debt voraciously. This is known as the Debt Snowball Method.

The third step is to raise your income. If it possible for you to work overtime at your current job then do it. You can also find a higher/better paying job or find a 2nd or 3rd part-time job. For example, you can deliver pizzas or working in a call centre during nights and weekends (after your main job) The best would be to combine all of these options to you can generate a lot of income and attack your debt. You can also start an online business but it might take a few months or years to actually see a profit.

And the fourth and final step, getting your mindset right. If you don’t believe that debt is dumb, that you need super intensity to get out of your situation then you’ll be in debt forever. In fact, this step should be number one. However, if I wrote it first then people would have skipped my answer because people love to read about action-steps without actually doing anything about it. You need to put all of you attention and focus on getting out of debt. That means, temporary eliminating all other goals that you may have. (In essence, multitasking can be negative but that’s another subject for another day.) There’s a great article by James Clear explaining this on his website called Warren Buffett’s “2 List” Strategy: How to Maximize Your Focus and Master Your Priorities

Has Warren ever been in Debt-Hell?

To summarize, to clear off your debts. Have the correct mindset (intensity), have a plan (budget) and violently execute it. (work like a madman)

George S Patton
“A good plan violently executed now is better than a perfect plan executed next week.” — George S. Patton

I’m sure George S Patton violently exited his debt-hell.

I hope this helps!

In Health,


how to be a good conversationalist

Growing up Italian helped me become a good conversationalist

I first heard of Toastmasters in 2005, in an Italian café. One day while I was lounging around with a friend sipping on an espresso. One of the regulars of the café walked in. He was a big, loud and obnoxious man. If you have ever been to an Italian café, you know there are two subjects that Italians are really passionate about, politics and soccer (football for you European readers.) Instigated by someone’s comment, he started telling people how Italy was going to win the World Cup in 2006 (which they did!).

Most people gathered around listening to what he was saying. Some agreed, some disagreed, but mostly everyone argued. However, I was listening attentively. I didn’t really care what he was saying (I’m not a fan of the sport); rather how he presented his speech is what grabbed my attention. The way he spoke was truly remarkable. He was brash, but also articulate, eloquent and surprisingly coherent. I turned to my friend Maurice and asked:

“Hey Mo, where did a guy like that, learn to speak that way?” I asked in a somewhat belittling tone. “Toastmasters” replied Maurice, unsurprisingly, “He was in the Toastmasters International semi-finals two years in a row.”

I learned two very important lessons that day
  • Never judge a book by its cover
  • At times, I can be an asshole

I quickly finished my coffee, jump into my car and rushed home so that I could Google the closest Toastmasters group near me.


Public speaking isn’t a skill that people can learn; you’re either born with it or you’re not.

So I thought but I was wrong. Not only is it a skill one can learn, but it is also a highly sought after skill in the job market. If you can speak and present your ideas people will be drawn to you.

So being an introvert, my goal was to learn to control my fears about public speaking and to become less shy around co-workers and people in general. Since I am a business analyst, I regularly have to speak in front of a large audience. So I figured that it would be a win-win situation for me.

Having attended Toastmaster was the best thing that ever happened for my career. Not only did I learn to speak in public and control my fear but I also was presented with an opportunity to meet people who are in the same situation as me. That’s the real secret of Toastmasters. Not the meeting itself, but before and after (and during breaks): you have no choice but to mingle with people and learn conversational skills. You also learn to listen. In the process, you learn not to judge people.

Here are a few tips that may help you:

  • Don’t be an ass;
  • Be genuinely interested in that person;
  • Listen attentively;
  • Give sincere compliments;
  • Don’t speak about politics and religion (there is a reason they are well-known taboo topics); and,
  • Ask Questions.

My suggestion is to join your local group and attend every weekly session for at least one year. Give it a try and let me know how it goes.

I hope this helps!

In health