-"Would there be any awesome pie left for poor little old me?"
-"How come I don't get all the lucky breaks? Why does Mike seem to have a pHd in talent and I don't?"
- "Why does Paul seem to go from the hottest girl in town to the hottest girl on Earth?"
- "Why does Sara get to have her dream job? And why is Sara getting that promotion at her dream job?"
He would whine over and over....
"Why me? Poor me! I guess God doesn't love all of his little children the same. Apparently I am God's red-headed step child and I will have to just eat this Spam sandwich while everyone seems to be eating filet mignon."
That guy I know was me. And it may be you too. Hard pill to swallow, but it's true. Why do we feel this way? Because we are what scientists call "human".
Why do wealthy people seem to become wealthier, the middle class remain the middle class and the poor remain poor? Why do successful people become more successful, why do awesome people get awesomer and why do the rest of us......well.....remain the rest of us?
Believe it or not, I think the answer is luck.
"What's that you say? Luck!?!? Are you kidding me? I am going to stop reading right here because this hocus-pocus bologna tastes terrible (Please keep reading). I happened to be very successful and it wasn't from luck! How can you really say that luck is the answer to the question you just asked? Get real Chris!"
Tom Corley writes in his book, Rich Habits: The Daily Success Habits of Wealthy Individuals about this thing called "luck" in our everyday lives. He describes four types of luck:
Random Good Luck
Random Bad Luck
Random good luck is winning the lottery or catching a foul ball at a ball game. While this type of luck is beyond awesome, we really have no control over it. Hence why its called "Random".
Random bad luck is just the opposite. You get struck by lightning, a tree falls on your house or you end up having to sit next to that person on your ten hour flight over seas. Again, these things stink something terrible and you have no control over them.
The last two types of luck we do have control over! Opportunity luck is the luck that the people we always wonder about have. The ones that seem to always have that slice of pie called awesome. How did these people get opportunity luck? I'm glad you asked....
It's simple. The people that continue to place themselves in good situations, have good things happen to them more often than not. This can happen in any place in our lives, especially in our personal finances. Habit 1 in Stephen Covey's 7 Habits of Highly Effective People is to be proactive. Webster's defines proactive as:
Serving to prepare for, intervene in, or control an expected occurrence or situation
Happy people are proactive. Stress-free people are proactive. Wealthy people are proactive. Andrea and I are proactive. Those people that eat from the pie of awesome are proactive. See a trend here??
How can we allow opportunity luck to lean on us in our personal finances? Be proactive. It's that simple. When you continue to set yourself up for awesome situations, awesome things will happen to you. When you continue to put yourself in bad situations, detrimental luck is right around the corner.
Whenever I hear somebody tell me over and over something bad that happened to them followed by "that's just my luck", I become really dramatic, and somehow stand above them and yell at them with a red hot face and spit spraying out my mouth while my told you so vein is popping out of my neck and head:
"YOU ARE YOUR BAD LUCK!!!!!!!!!!!!!!!!!"
(okay, so that never really happens but it sounds cool. Actually, most of that is all in my head just wishing it would really happen)
Bad things will happen when you put yourself in bad situations. Think about someone you know that is always whining about their bad luck. Do you notice a trend about how these people live their lives? Are they paycheck to paycheck when the car breaks down and they need $500 to fix it? Are they getting ready to retire and realize just now that the government is going to do a terrible job to take care of them and they maybe should have saved up a little nest egg for retirement? Is little Johnny getting ready to graduate college and realized that he has to actually pay for all that credit card DEBT he racked up over the past four years? Do you know someone that had his head stuck in an alligator's mouth? We could go on and on, but the point is made: put yourself in bad situations and detrimental luck will fall in your lap.
But remember, we have control over our luck! Opportunity luck is sitting right over there waiting for you to jump on it. Put yourself in awesome situations and let awesome happen to you instead of those dang pie eaters from awesome land getting every last slice. Live below your means and save up for purchases, for emergencies and for giving. Be PROACTIVE (like the wealthy people) and live on a budget so you can reap the benefits of opportunity luck! Save a nest egg today for you to enjoy life so you can retire with dignity and get some of that other awesome stuff that comes with it. Give, give and give some more....opportunity luck loves giving! It actually seeks out givers and spends most of it's time with them.
You have the OPPORTUNITY right now to start living in the land of OPPORTUNITY LUCK. What are some changes you can make in your life so the read-headed step child (detrimental luck) walks the other way? I know I just thought of a few more things we can do to live in the land of opportunity luck, eat the slices of awesome pie and then eat filet mignon (sorry Mom, dessert sometimes does come first)
You are awesome and either way you are lucky. Now just determine what type of lucky you would like to be.