Read time: 11 min

October 22, 2020

Good morning! Debate tonight.

  • Kristen Welker, the moderator of tonight’s presidential debate, has selected the following topics: Fighting COVID-19, American Families, Race in America, Climate Change, National Security, and Leadership.
  • The debate will be held at Belmont University in Nashville, TN.
  • The debate will start at 9:00 p.m. ET and run for 90 minutes without commercial interruption.
  • Most importantly, mics will be muted this time around!


“Certain things catch your eye, but pursue only those that capture the heart.”

– Ancient Indian Proverb

NEXT LEVEL: Keep your success going

When To Turn Down An Offer Letter

When you graduated from college, you were hungry to take any job that was available to you. Therefore, you most likely accepted the first offer letter that a company presented. After all, you were new and lacking experience, so it’s not like you had much leverage in negotiations. You needed to get your foot in the door somewhere, and that offer letter was the key that unlocked your future.

However, as the years go on, you gain more experience and expand your skillset. If you have not already, you will reach a point where you just because a company gives you an offer letter doesn’t mean you have to take it. You reach a point where you understand your value and can be picky about where you go next in your career.

Now, it may seem silly to go through the entire interview process only to turn down the job when it’s offered. The organization making the offer is probably operating under the assumption that you are going to take it. However, it is okay to turn it down if it’s not what you were looking for.

For example, here are a few standard reasons you might turn down an offer letter for a job you were originally interested in

  • The salary does not match your market value.
  • You got a poor impression or “gut feeling” after the interview.
  • Your research has shown the company is not on solid footing.
  • You applied out of anger and realized your current job isn’t that bad.

If your current job is not in immediate danger, you should only leave for a company that is stronger, more successful, and can offer compensation and opportunity that your current employer cannot. Otherwise, you are better off staying put until you find something worthy of your time and skill.

ACHIEVERS’ ARMORY: Equip yourself with proven tools & tactics

 Time Get Your Sh*t Together!

Organizing your day-to-day life is a struggle for most people. Creating to-do lists, prioritizing those tasks, and then remembering to do them are all things we battle with constantly.

My Life Organized is a revolutionary task management tool that will change the way you organize your life. Not only does it allow you to create a detailed to-do list, but you can also break each task into sub-tasks. For example, if you are going food shopping, each item you need to buy can be a sub-task. If you are creating your company website, each page is represented by its own sub-task. This way, if you only get halfway done, you can pick up where you left off the day before.

While other apps may offer those functions, two services separate this platform from the rest of the pack. First, you can create dependencies within your to-do list. For example, let’s say item #6 cannot be started until item #5 is completed. If item #5 gets moved from Monday to Tuesday, item #6 will also be moved accordingly. The second invaluable feature is the ability to set reminders for when you arrive at a certain location. For example, once you arrive at your son’s school, your phone will remind you to ask his teacher a question about the upcoming field trip.

To dive into the various features this app has to offer, click here.

MONEY: Become wealthy

Stress-Free Saving

We Americans love our credit cards, don’t we? It’s so easy to swipe, have the bank pay now, and we’ll pay them back later. When used appropriately, credit cards are a wonderful tool, and we recommend using them most of the time.

Unless, of course, you’re spending money you don’t have. We’ve all been there, and sometimes it’s just plain necessary to get us out of a jam. No harm, no foul if we make sure to get a hold on that purchase before it gets out of control. You don’t want to purchase that car repair or medical bill and have it follow you around for weeks or even months.

Here’s how to avoid the problem of an unexpected hardship:

  • Rainy Day Fund. This is a classic and generic example, but hey, it works. Keep some cash in a can, a sock, a drawer, or another bank account. Add to this every month and don’t set any particular amount you have to save up to, but ensure you have a minimum amount you must save that month. It could be $20, but make sure you’re consistently putting $20 away.
  • Auntie Escrow. Get someone you trust, a friend, relative, or spouse to keep some savings for you. We’ve heard of a few impulsive buyers really get a hold of their out of control spending by making monthly payments to a trusted friend, only able to withdraw those funds in an emergency they have to tell their friend about.
  • Round Up. Round up your spare change and put it in a jar or an account. You can (and should) even round up the amount too. You can do this in a few ways, and Acorn does a good job of automatizing this for users. If you get takeout for $17.50, round up a little and put $2.50 away just in case you get a flat on your way back home.

Saving money consistently and in manageable ways is crucial to a healthy financial life and overcoming financial obstacles that you will inevitably encounter. Make it stress-free by incorporating saving into your daily routine.

SOCIAL CAPITAL: Build a powerful network

How To Make A Difference

Here’s a copy of an email we just received referencing Chronicles of the Cross Collection by Max Lucado. We thought you’d love it too.

“Now I see why powerful people often wear sunglasses – the spotlight blinds them to reality. They suffer from a delusion that power means something (it doesn’t). They suffer from the misconception that titles make a difference (they don’t). They are under the impression that earthly authority will make a heavenly difference (it won’t).

Can I prove my point? Take this quiz.

  • Name the 10 wealthiest people in the world.
  • Name the last 10 Heisman trophy winners.
  • Name the last 10 winners of the Miss America contest.
  • Name 8 people who have won the Nobel or Pulitzer Prize.
  • How about the last 10 Academy Award winners for best picture or the last decade’s worth of World Series winners?

How did you do? We didn’t do well either. Except for “you” trivia hounds, none of us remember the headliners of yesterday too well. It’s surprising how quickly we forget. And what we’ve mentioned above are no second-rate achievements. These are the best in their fields, but the applause dies. Awards tarnish. Achievements are forgotten. Accolades and certificates are buried with their owners.

Here’s another quiz. See how well you do on this one:

  • Think of 3 people you enjoy spending time with.
  • Name 10 people who have taught you something worthwhile.
  • Name 5 friends who have helped you in a difficult time.
  • List a few teachers who have aided your journey through school.
  • Name a half-dozen heroes whose stories have inspired you.

Easier? It was for us, too. The lesson? The people who make a difference are not the ones with the credentials, but the ones with the concern.”

THE FIRST STEP: Seize the opportunity

Your Inner Circle

When you decide to start a business of any kind, there are several changes you need to make to accommodate this type of choice. You will need to decide what activities you will give up to free up the necessary time. You may need to budget your money better to afford the start-up costs associated with this venture.

Another change that you may need to make is not as obvious and is certainly not as easy. This change is focused on your inner circle of family and friends. These are the people you spend the most time with, seek advice from, and generally influence your everyday life. You need to realize that you may end up growing out of this inner circle that has surrounded you your whole life.

We are not saying that you need to leave everyone behind because they are all of a sudden “beneath” you. We are saying it’s time to do an inventory of the people you surround yourself with. Think about the family and friends you speak to the most and ask yourself these questions.

  • What is their overall outlook on life? Who in your circle is generally positive, and who tends to be negative? You need to be careful about sharing updates with negative people. You do not want them to get you discouraged if they do not support your ideas.
  • How do they react when I share good news? This might be a tough realization to come to, but not everyone in your life will be happy when something good happens to you. If someone appears upset or jealous of your good fortune, that is not a true friend, and you need to distance yourself from them.
  • What do they have going on in their own life? Not everyone in your circle needs to own their own business or have a crazy successful career. However, they should have at the very least stable careers and drive to improve and grow as a person. If they don’t, then any type of advice or feedback they give you is irrelevant. You should be surrounded by people who want to grow as much as you do.

The most important lesson to learn here is to be careful who you let into your inner circle. Only share your ideas and updates with positive-minded people who are going to support you. Only take advice from successful people who know what they are talking about. As for the rest, it is up to you how you want to handle them. You can continue to be friends with them but limit your interactions to non-business related topics. Your inner circle should only be composed of people who will help you achieve your goals and dreams.


What last name was shared by 2 third party U.S. presidential candidates who ran 20 years apart and each got over a million votes? Answer below.

NEWS BREAK: Stay informed

  • Pope Francis has called for legislation to protect same-sex couples, according to comments he made in a new documentary that marks a break from Catholic doctrine.
  • OxyContin maker Purdue Pharma has reached an $8 billion settlement with the federal government in which it pleads guilty in a criminal investigation over its role in the opioid epidemic.
  • Updated CDC guidance changes the definition of a “close contact” of a Covid-19 case to a person who has been within 6 feet of an infected person for a total of at least 15 minutes in a day. That includes multiple, but brief, encounters, one or two minutes at a time.

1% BETTER: Improve each day

Take A 15-minute walk at least three times in the next five days