Our world progresses because we all desire a better life. New inventions are made because we desire something better. We go to school and study hard because we want something better. So whenever you find yourself avoiding something you know you, should be doing, then the only thing to ask yourself is "What's in it for me?" Be a little greedy. It's the best cure for laziness. Too much greed, however, as anything in excess can be, is not good. But just remember what Michael Douglas said in the movie Wall Street. "Greed is good." Rich dad said it differently: "Quilt is worse than greed. For guilt robs the body of its soul." And to me, Eleanor Roosevelt said it best: "Do what you feel in your heart tq_3e_right-fayou'll be criticized anyway. You'll be damned if you do, and damned it you don't." Reason No. 4. Habits. Our lives are a reflection of our habits more than our education. After seeing the movie Conan, starring Arnold Schwarzenegger, a friend said, "I'd love to have a body like Schwarzenegger." Most of the guys nodded in agreement. "I even heard he was really puny and skinny at one time," another friend added. "Yeah, I heard that too," another one added. "I heard he has a habit of working out almost every day in the gym." "Yeah, I'll bet he has to." "Nah," said the group cynic. "I'll bet he was born that way. Besides, let's stop talking about Arnold and get some beers." This is an example of habits controlling behavior. I re- member asking my rich dad about the habits of the rich. Instead of answering me outright, he wanted me to learn through example, as usual. "When does your dad pay his bills?" rich dad asked. "The first of the month," I said. "Does he have anything left over?" he asked. "Very little," I said. sure those guys don't start yelling at me. That pressure made me work harder, forced me to think, and all in all made me smarter and more active when it comes to money. If I had paid myself last, I would have felt no pres- sure, but I'd be broke." "So it is the fear of the government or other people you owe money to that motivates you?" "That's right," said rich dad. "You see, government bill collectors are big bullies. So are bill collectors in general. Most people give into these bullies. They pay them and never pay themselves. You know the story of the 96-pound weakling who gets sand kicked in his face?" I nodded. "I see that ad for weightlifting and body- building lessons in the comic books all the time." "Well, most people let the bullies kick sand in their faces. I decided to use the fear of the bully to make me stronger. Others get weaker. Forcing myself to think about how to make extra money is like going to the gym and working out with weights. The more I work my mental money muscles out, the stronger I get. Now, I'm not afraid of those bullies." I liked what rich dad was saying. "So if I pay myself first, I get financially stronger, mentally and fiscally." Rich dad nodded.