In the last post I promised to give you an investment tip of a lifetime.

Ready for it?

I received this investment tip originally from Brian Tracy more than 15 years ago and it has produced a personal ROI (Return On Investment) of many millions of dollars.

This was the pitch Brian gave me:
For every $1 you invest in ___________________, it will return $30 to your bottom line.”

That’s 30 to 1!

Even if you are the most experienced investor, where can you get a nearly guaranteed 3000% (or greater, depending on your allocation) on your money?

Compare it to these investment returns over the past several years:
S&P 500: 1.65%
Dow Jones Industrial: 29.49%
Real Estate: -19.47
Bonds: 8.19%
U.S. Treasury: 16.36%

3000% looks better, eh?

Okay, here’s the “insider” investment tip:
Invest in YOU… and your greater personal development.

I’m not just being clever here. I’m serious (and so was Brian).

This is what Jim Rohn taught me long ago:
“Income seldom exceeds personal development.”
Therein lies the key to growing your income—growing yourself.

Let me explain and then I will give you the investment formula Brian Tracy gave to me 15 years ago that earned me millions…

Here is how this works: The level of success we experience in our outer world is simply the mirror reflection of our self-identity and personal development of our inner world. Period.

Let me use the analogy of a thermostat to make this make sense. Thermostats have what is called a set point—the set temperature of the room. Now no matter what happens outside, hot or cold, the thermostat will kick on the heat or the air conditioner to bring the temperature back to that set point.

Inside of each of us is also a set point. This is your current level of self-worth or personal development. No matter what happens outside you (temporary financial windfall, finally lose those 20 lbs., marriage going well) you will always adjust back (sabotage) to your set points. We ALL do this.

Simply put, you will only ever have, be, do or maintain on the outside what matches your inside set points—your personal development.

When you raise your set points/personal development (self-identity, mindset, attitude, philosophy, skills and abilities), everything in your life will be raised with them.

This is why Jim gave us these pivotal instructions:
If you want to have more, you have to become more.
For things to change, you have to change.
For things to get better, you have to become better.”

If you improve, everything will improve for you.
If you grow, your money will grow; your relationships, your health, your business and every external effect will mirror that growth in equal correlation.”

The Multimillionaire Investment Formula

This is the critical investment plan Brian Tracy taught me 15 years ago. He said, of course take 10% of everything you earn and tithe it to help other people. Then take another 10% and use it to help yourself—invest it in your greater personal development.

When I earned $150,000 as a teenager, it was $15,000 to spend on my greater personal development, which I did. At $500,000, that’s $50,000 to spend, which I did. At over a million, that’s over $100,000 to spend, which I have done many times. This is why you see world-class achievers hiring world-class personal coaches, advisors and mentors. It truly is the most profitable investment you can make—I can vouch for that.

“If a man empties his purse into his head, no man can take it away from him. An investment in knowledge always pays the best interest.” —Benjamin Franklin

Essentially, training, coaches and other personal development materials are FREE. If they help you earn more and become more than you would have without them, they effectively pay for themselves AND give you a multiple on your money (30X by Brian’s estimate).

When evaluating the investment in your personal development, don’t ask what it costs. Instead ask what is it worth—in increased health, wealth, happiness and success. Never begrudge the money you spend on your personal development. The best investment you can ever make is the investment in YOU… and your greater development.

Here is my final appeal to have you invest more in you: if you have big goals, dreams and ambitions I encourage you make sure the size of your personal development investment matches the size of your goals—if you are serious about achieving them. Otherwise, they might remain just frustrating fantasies.

How do you invest in your personal development? Share your thoughts in the comments below.

*S&P 100 INDEX (^OEX) 10-01-2001 – 10-21-2011
*Dow Jones Industrial Average (^DJI) 10-01-2001 – 10-21-2011
*Investors Real Estate Trust (IRET) 10-01-2001 – 10-21-2011
*Vanguard Total Bond Market ETF (BND) April 2007 – 10-21-2011
*T. Rowe Price US Treasury Long-Term (PRULX) Sept 2001 – 10-21-2011

i enjoyed this product very much, but it can be a little too sweet but very tangy and tasty! ? There are a lot of legitimate mail-order pharmacies in this country.



92 responses to “MONEY, MONEY, MONEY (3 of 3)”

  1. My partner and I absolutely love your blog and find most of your post’s to be exactly
    what I’m looking for. can you offer guest writers to write content to suit your needs?
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  2. Impressive issues the following. I’m incredibly delighted to see your own article. Thank you a great deal using this program . having a look toward touch people. Would you like to remember to decline me a e-mail?

  3. Be, Do, Have
    Be the person you want to be
    Do whatever it takes, to achieve Success
    Have the things you want.

    This is the only formula that works, at least that I have found. If there is another I would love to hear it from someone that has implemented it and lives it.

  4. I am not sure where you’re getting your info, however great topic. I must spend a while studying much more or working out more. Thanks for magnificent info I was in search of this information for my mission.

  5. Need some help in incorporating my goal into the SMART formula. The goal is to become a better writer and specker at the end of 2012. I am not sure how to measure my progress.

    I would really get some help from you Darren

  6. Need some help in incorporation my goal into the SMART formula. The goal is to become a better writer and specker at the end of 2012. I am not sure how to measure my progress.

    I would really get some help from you Darren

  7. You are truly a just right webmaster. The site loading speed is incredible. It sort of feels that you’re doing any distinctive trick. In addition, The contents are masterpiece. you’ve done a magnificent task on this subject!

  8. You can definitely see your enthusiasm in the paintings you write. The arena hopes for even more passionate writers like you who aren’t afraid to mention how they believe. All the time go after your heart.

  9. The main way I tend to invest in my personal development is threw iTunes gift cards my parents give to me. I usually use these for personal development audio books. Also: I’ve limited my music to music with a message, or music that is motivating so as to keep my motivation level high.

  10. Darren:

    Thank you, it is really a very good article and I try my best to improve my skills each time I get an opportunity.

  11. I have red the information about the high-performance forum action followed after it immediately!!! @Darren Hardy,

  12. PS: I stopped being a PD addict and started studying and applying what I learn from you Darren and Success mag. This year my investments and savings has grown…maybe coz I don’t waste money on mediocre books or “quick” things anymore with easy payments of $99.00 for 3 months, hahaha!

  13. Hi Darren, thank you! I invest in my PD by listening and applying LYBYE, TCE, your blog, Daily Mojo and even sunsets:-)

    Inspired by your goal to see more sunsets, my husband & I are moving walking distance to the beach in beautiful Santa Monica soon! Seeing more gorgeous sunsets is one of my top 3 yearly goals for 2012 and I believe this goal will take us to more adventures, exciting vacations and walks at the beach!

    I’m even excited to order my 2nd LYBYE for 2012. I love having the real journal with me along with gratitude for life and appreciation journal for my husband.

    Thank you!

    Love and abundance…

  14. We met the first time in person at the ACN International Convention in Barcalona for top producers at the Donald trump Diner
    when I asked you for 1 tip you told be to be at the next international event, and so there was I a few weeks ago in Cologne since then by business has been sky rocking.

    how do I invest in personal development simple listening to Darren hardy in, person , audio, books ,videos everything :)

  15. Darren and all the contributors – thanks for your insight. I too learned to invest in “me” about 7 years ago when was about 50. Someone I heard said ” when the plane is going down you have to put your own air mask on before you can help others” that is true of life and I wish my journey had begun much sooner – like kindergarten. I know there is Success for teens however I wish so much of what I listen to and especially “Compound Effect” was written for elementary age children. Also for confidence building Jack Canfields “Maximum Confidence” is amazing.

  16. Fantastic tips. I’m going to start adopting the philosophy of investing 10% of my income on my personal development. I particularly love the quote you used in this post: “If a man empties his purse into his head, no man can take it away from him. An investment in knowledge always pays the best interest.” —Benjamin Franklin.

    This is so true. Thanks for sharing, Darren.

  17. This is an eye opener Darren, One of the ways I have invested in myself is by reading.. Infact read this alone is already propelling me to action and to continue to read more.. I really appreciate it Darren and to all who commented and added more light to these, its wonderful… Truly “Readers are Leaders.” Thanks..

  18. Great article! One of the ways is by taking some type of class and reading books. The current book I am reading is an old one but I have found it to be great, it is “The Master Key System” by Charles F. Haanel

  19. Darren,
    One of my biggest investments is the time I spend absorbing all of the great content that I find in SUCCESS magazine. I also make it a point to associate with those who can pull me up to another level (Mentally, spiritually and financially). I try my best to take part of the many seminars, webinars and events that they offer. I feel that if I want to be the best then it would be wise to associate with the best.

    Last but not least, I buy the recommended books that those who are achieving recommend. Many of my ideas are sparked from the charged that I get from reading a great book. I probably go beyond the 10% rule but hey, I figure I am worth it.

  20. DEar sir, iam giridhar reddy fire fighter from india, i have read the 1st chapter of your compound book. it is awesome and mind blowing. iam very much fascinated by your writing style.the entire thing is absolutely true , If i had known these things at my child hood, i would have done great things. Really mind captivating.
    kindly send me soft copy of “the compound effect ” freely as iam not in a position to purchase as iam getting very meagre salary , which is only sufficient to run my huge family.

    i am a fond of book reading and very much interested to improve my personality development.
    every day i go through your articles and mails very keenly as they are inspiring me a lot.

    thank you for your works—giridhar reddy, fire officer, fire station Bhongir, nalgonda dist, A.P, INDIA.

  21. Immediate after my school i earned very little. Then, i invested learned information Technology and then acheived, now I am in good position earning money. I am satisfied with my quality of work. Later i invested some millionaire books, now i am starting business to meet my financial goals.

  22. @Ruth, great advice Ruth. There are a lot of people that can’t even afford to buy books let alone enrol for courses. We have forgotten the humble library.

  23. Hi Darren,

    I am a avid reader of Self Help books and follower of your blog and in facebook.

    My favourite persons are Richard Branson, Ruben, Lance Armstrong and many more.

    I was truly inspired while reading your book. By age 27yrs you had made $50million+. Now you are added to my favourite person list. I am 26yrs currently and would like to be an entrepreneur and become part of B and I quadrant (Financially free). I would love to learn from you on being successful entrepreneur.

    Now after reading your book The Compound Effect, I understood that, To multiply your success, we need to take one simple step at a time.

    By the way, “One should always be comfortable, being uncomfortable.” (consistency to be maintained for sometime) and later results will pay off.

  24. @Ruth,

    Hey Ruth, many of your friends would have a book, audio series, dvd you could borrow – remember to always show gratitude by giving it back promptly with a personal note or batch of cookies (everyone loves cookies) for their trust in you.

    Discussions with like minded people is always something that I welcome – plus indulging in YOUR particular creative expression – after all, Life is Creative Expression

    Much love

  25. Darren, I really enjoyed this article. I have been investing in myself for as long as I can remember. Reading is my passion. My uncle said even before I could read I would have the newspaper turned upside down trying to figure out what the words were. I have given away many books and encouraged others to read. I’ve always wanted my own library, and now I have enough books(hundreds of them) to start it My favorite books are the “Bible and Self Help.” My inquisitive mind is always somewhere seeking knowledge and wisdom. Books are my friends, Barbara.

  26. I had a multi-millionaire that I have struck a friendship with at the gym give me the same advice when we were talking about a few of his investments- Dmitri, the stock market is where you protect your assets. Investing in your self is where you make your assets.

    I believe the hard part is making a plan that brings you to your potential.

  27. @Brent Gerald, I don’t mean to repeat myself but the library is a great place to start, or even large book stores. You can go into a Barns and Noble or a Boarders, grab a book, sit on a couch and read for hours. You can search blogs and forums for free, you can watch YouTube for educational purposes instead of for fun. You are on a computer right now!!! Use its power to educate yourself. Shut the tv off and do something. It doesn’t take money to learn, it takes discipline. I don’t me to sound harsh, but your sitting in front of a very powerful machine, if you want to learn anything, it’s at your fingertips, for FREE!!! Start there.

  28. As Jim would say, to become someone you have never been, you need to do things you have never done. I have invested a lot of money in Internet marketing information products, but it felt like I was spinning my wheels. It had been 4 years since I started this adventure and im starting to see results. Having an automotive mechanic background, and I wanted to reach more than one person at a time, now I share my knowledge with hundreds of people a day on autopilot. My dream is coming true slowly, but on a steady upward pace. just keep this in mind, nobody starts at the top, and don’t let that little voice in your head talk you out of your dreams, everyone deserves a piece of the pie and there is enough to go around.

  29. Darren, since I know you in Barcelona at ACN International Convention and meet you again in Cologne, I didn´t stop to promote your Compound Effect philosophy. I have got a formula to rise my set point: I share every thing I learn about personal development with my family and friends. This way keep me talking about things I have just learned and I can notice if I understood well. I started with this method about 20 years ago when I read “The Seven Habits of Highly Effective People”

    Thanks a lot,

    Manuel Cobos

  30. thank you Darren. this article is certainly an eye opener……lights on!! I will implement diligently from now on.

  31. Hi Darren

    I am in a place of transition and know for certain that personal development is what I need to do right now.

    What I’d like to know is how does one get the finances available if you currently live on an income that provides for your day to day living only.

    Hope to hear from you soon

  32. Darren

    I am in a tremendous time of transition and uncertainty and know for sure that it is time to invest into myself.

    Where does one begin though getting access to finances if you don’t have money to spare and live day to day from an income?

    To me this is the biggest obstacle to overcome currently.

    Hope to hear from you soon

  33. $$$ & Me Me

    Darren, this is fantastic, the best investment is in ME. If I don’t invest in me then how can I grow and how can I raise a set point? Your articular is excellence. Thank you,

  34. I read, apply and review then improve. Latest addition to my library The Compound Effect MP3 which I listen to on my ipod and ipad, Steve Jobs Isaacton, Choices by Jim Collins and John Maxwell’s latest book. I am sure getting better. Just finished reading the 12 Pillars by Jim Rohn and listening to Jim Rohn’s 2004 Leadership Weekend. Its amazing how much better I am getting. Thanks Darren, you introduced me to Jim Rohn. He is simply amazing and I am too.

  35. Thank you Darren for your inspiring us to ‘raise our set points’ again and again!
    I can already see improvements in myself …which have made me more ‘attractive’ to prospective clients. I am looking forward to reading my Compound Effect.

  36. “The rich get richer but the wise get wealthier”

    Dear Darren, I loved your blog. It’s a message that the world needs right now. We all have to start investing in ourselves. That’s what delivers the best returns. Reading your blog regularly is one way I invest in myself.

    I have come across many successful people in my travels, and they all have one thing in common. They live life with a sense of freedom. They do not defer their happiness for the sake of making money. They develop an attitude that money will eventually come their way if they live a complete life. They wake up every morning and do the simple things consistently. They eat well, they exercise, they spend quality time with their family, they are constantly learning and improving, they love their work, they have fun with friends and they are kind and generous. They create wealth before they create money. Living a complete and happy life is their wealth.

    Regards from Sydney, Australia

  37. What if you don’t have the 10% to invest right now? This makes sence but what about the above?

  38. Darren, excellent message. To answer your question, I invest significant dollars in my personal education and growth plan each year for 30 plus years consistently. In addition to myself and I eincldue / encourage my wife and we’ve become unstoppable. We invest both in our family and our 200 team members at Schlouch Incorporated. We develop a detailed education program to reach our goals each year with a detailed budget. My experience the big momentum began when I included my family, and 200 employees into the equation. Based on this philosophy, we began our site construction business in the basement of our home, 28 years ago with $2000 and today combined revenues are 3/4 of a billion. It works when you work it consistently.

    Best regards, Barry

  39. Hello: I never really thought of the concept of giving 10% to myself in the form of self development. I am a strong tither and give extra for offerings. I do save a small portion from my earnings –more than 10% but I never thought of doing so for the purpose of self development. Excellent. Each spring/summer I am sure to enroll in some kind of activity. This past spring/summer I learned to make sushi (I have yet to prepare at home), took one 8-week tennis course (I am now HOOKED!) and enrolled in a spanish class (I so regret not learning the language in high school) I did not complete the Spanish because I got extremely bored with it. Since my tennis class ended I signed up with a gym that offers tennis as part of its membership. I am planning to find a more structured Spanish class. Also, I continue to read motivational books year round. My goal for 2012 is to become a personal trainer, take a “memory” course, learn to speed read, sign up with Toastmasters, and just become a much better communicator. Basically, I want an image makeover–inside and out.

    Thank you, Darren. I always enjoy reading your messages.


  40. Incredible advice, Darren. Thank you. Doing this as a natural habit is a pillar of the world’s most successful.

    The amount of information I’ve personally, powerfully absorbed and applied in my life continues to amaze me, and this encourages me to keep it up :)

  41. It’s an interesting time for me to be reading this post because as I read it my solar plexus squeezed and the same ol’ feelin’ came back up for me of ‘what should I do – which direction should I go in – where must I invest to reach my personal potential’. As I ponder this it seems that the Start Line has always been the place of much hesitation, doubt and apprehension, however each race (aka challenge) I’ve embarked on previously once I’ve felt my breathing settle and the product of my training kick in I simply Get In The Groove and it falls into the place of ‘making perfect sense’ – my potential is being realised in that moment!

    I put my hands to my face and take a necessary breath of appreciation and say YES – it can be done – it’s time – it IS real and it has nothing to do with anyone else except with me – Potential is nothing without taking Action.

    Thanks For the Butt Kick!!


  42. Thanks Darren! As always Your Superb in providing the Best in Success!
    Investing in Myself is as important to Success as is Oxygen is to Breathing and living.
    Personally I reach in all directions. This life is abundant and I receive abundance everywhere. The 1st place is the library. I receive cd’s, dvd’s and books. Yummy! And if my library doesn’t have it then I can receive it from another Library through a no cost interlibrary loan program. Yeah! I even get an e-mail when my books and cd’s arrive! Awesome! Cd’s are like nutritional vitamins for the mind! I love driving because I learn and grow everywhere I go. I also love seminars. From Louise Hay, Dale Carnegie to Tony Robbins, ad infinitum. (Don’t perspire get inspired!) I goto my Guru’s! From Spirituality to Economics these people love to Share and you get to meet similiar like minded people! Sounds like a fantastic Party doesn’t it? Understanding and effectiveness is life long and its up to me to invest in Me! Especially if I want the dividends! Thanks Again Darren!

  43. Well as a fan of Success Magazine and Darren Hardy, I quickly snagged my
    copy of the Compound Effect.

    And since I acted fast I also got a digital audio copy of it to so that I can
    drive around to and from and talk with (or at least listen) and gain insight from
    one of the greatest minds of our times.

  44. Many years ago I invested in Sandler Sales training for myself. It changed my perspective forever. I would be curious if anyone has experienced other life changing programs, that I could also look into for next year.

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