It is the lack of self-discipline that causes people who get a raise to immediately go out and buy a new car or take a cruise. It is difficult to say which of the ten steps is the most important. But of all the steps, this step is probably the most difficult to master if it is not already a part of your makeup. I would venture to say that it is the Jack ofjer- sonal self-discipline that is the No. 1 delineating factor be- tween the rich, the poor and the middle class. Simply put, people who have low self-esteem and low tolerance for financial pressure can never, and I mean never, be rich. As I have said, a lesson learned from my rich dad was that "the world will push you around." The world pushes people around not because other people are bullies, but because the individual lacks internal control and discipline. People who lack internal fortitude often be- come victims of those who have self-discipline. In the entrepreneur classes I teach, I constantly remind people to not focus on their product, service or widget, but important managemerlTskTIIs necessary to start your own business are: 1. Management of,cash flow. to focus on developii The three most 2. Management of people. 3. Management of'personal time. I would say, the skills to manage these three apply to anything, not just entrepreneurs. The three matter in the most lotrs to go broke soon after winning millions. It is the lack of self-discipline that causes people who get a raise to immediately go out and buy a new car or take a cruise. It is difficult to say which of the ten steps is the most important. But of all the steps, this step is probably the most difficult to master if it is not already a part of your makeup. I would venture to say that it is the jark oJLper- sonal self-discipline that is the No. 1 delineating factor be- tween the rich, the poor and the middle class. Simply put, people who have low self-esteem and low tolerance for financial pressure can never, and I mean never, be rich. As I have said, a lesson learned from my rich dad was that "the world will push you around." The world pushes people around not because other people are bullies, but because the individual lacks internal control and discipline. People who lack internal fortitude often be- come victims of those who have self-discipline. In the entrepreneur classes I teach, I constantly remind people to not focus on their product, service or widget, but important managemerrn3cflls necessary to start your own business are: 1. Management of,cash flow. to focus on developi kiLls. The three most 2. Management of people. 3. Management of personal time. I would say, the skills to manage these three apply to anything, not just entrepreneurs. The three matter in the way you live your life as an individual, or as part of a fam- ily, a business, a charitable organization, a city or a nation. Each of these skills is enhanced by the mastery of self- discipline.