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Health and Wealth Connection                            

Author's Perspective: There are 2 major problems that we all face in life: health problems and financial problems. Ironically, your health and your finances are connected. So, it's important that I discuss both topics on my website.

Here are some of the mistakes that we make financially:
  • We fail to educate ourselves about basic finances, and about various savings and investment products.
  • We spend too much money on "dead" foods that make us sick, causing us to spend more money on drugs, doctors, and hospitals.
  • We fail to set up a monthly budget and stick to it.
  • We fail to pay ourselves first by putting part of our income into a savings account every time we get paid.
  • We fail to develop a financial plan for our family.
  • We buy the wrong kind of insurance to protect our family, i.e. most of us buy whole life insurance instead of term insurance.
  • We spend money that we don't have, ending up in credit card debt.
  • We overspend, relying on our credit cards and bad loans -- the banks want you to overspend and end up in debt!
  • We buy a new car every few years. A car is a negative asset, that loses 10%-20% of its value as soon as you drive it off the car lot.
  • We buy a house that we can't afford; and, then, end up losing the house to foreclosure.
  • We get a 30-year mortgage instead of a 10-year or 15-year mortgage, and end up paying hundreds of thousands of extra dollars for the house.
  • We don't take full advantage of our company's 401k and matching contributions.
  • We fail to plan for getting laid off or fired from our job, leading to bankruptcy.
  • Most families rely on one person (usually the man) to take care of the  family finances.
  • We don't take advantage of other retirement products, such as Roth IRAs.
  • We don't educate ourselves about different investment products and services, relying on so-called financial planners who take our money. (Ironically, you can draw many similarities between the doctors/medical industry and the financial planners/finance industry).We tend to get burned, looking for get-rich schemes.
  • Most of us are unaware of how to recognize a scam. Read this web page about health-related scams and how to recognize a scam.
  • We assume that we'll always have a job, and fail to look for ways to generate a secondary income for our family.
  • Most of us are unaware of the power of our computer to help us generate a secondary income.
  • Most of us are unaware of how to use free Internet tools such as Google, YouTube, and Facebook to create secondary income for our family.
But, the good news is that it is never too late to begin generating a secondary income for your family. However, it is better to start while you're still working and have a primary income coming in to take the pressure off.

Note: For more information about generating a secondary income, get the How to Start a Home Business ebook.

Health & Wealth Connection

Health and Wealth are connected! It's not a coincidence that Health and Wealth look and sound alike.

One of the most common mistakes that people with diabetes or any disease make is that they assume that it cost more money to eat healthy.

On the surface this may appear to be true, but when you take into account the health impacts of eating 'dead" processed foods, the average family spends or wastes almost $13,000 a year to be sick. The wasted expenses include food, beverages, eating out, doctor bills, missing work, OTC medications, prescription medications, hospital visits, surgeries, post-op care.

If you're diabetic that $13,000 a year can escalate to more than $20,000 a year. Now, that may not seem like a lot of money, but over a period of 20 years, the average diabetic may spend anywhere from $250,000 to $400,000 -- just to be diabetic!

Now, if you have health insurance, some of these costs are defrayed. But, in the long run, even people with excellent healthcare will feel the pinch -- due to rising premium payments and reduced coverage for certain medications, surgeries, operations, post-op care, etc.

Did you know that medical debt is the Number 1 cause of bankruptcy in this country? Did you know that medical debt is the Number 1 cause of homelessness in this country?

So, how is Health and Wealth connected?

First of all, there is a certain mindset and discipline that one must have to be healthy or successfully fight a disease like diabetes. Similarly, there is a certain mindset and discipline that one must have to be save and invest money and not waste it on frivolous items.

In addition, good Health requires knowledge. and action Similarly, good Wealth requires knowledge and action.

Having good health requires an organized, systematic and well-planned process, as defined by the Death to Diabetes 6-stage model or the 10-step process. Similarly, acquiring Wealth requires an organized, systematic and well-planned process.

When you're trying to get well to obtain good Health, you have to have a set of blood tests to periodically evaluate your health progress so that you can take corrective actions and stay on track. Similarly, to ensure you're on track to achieve good Wealth, you have to have a set of tests to periodically evaluate your wealth progress so that you can take corrective actions and stay on track.

To become healthy, you must achieve some level of success with the diet program you're using. To become wealthy, you must achieve some level of success with the wealth-building program you're using.  (Go to web page to learn more about "What is success"?)

As you can see, getting Healthy is very similar to getting Wealthy.

Here's a connection between Health and Wealth in the Bible (III John 2): "Beloved, I wish above all things that thou mayest prosper and be in health even as thy soul prospers."

These two aspects of our lives can either free us or limit what we re able to accomplish, depending on our stewardship. It's amazing how the same principles for success apply to both health and wealth. Some of us have more experience, knowledge, and understanding in one area than the other, so it's beneficial to look at the similarities between the two in order to improve in both areas.

Consider that both health and wealth can be damaged by simply doing nothing. What happens when you neglect your health or your wealth? Let's say you spend your money with no regard for a budget or your income-level. One day you may wake up and realize that you're deep in debt.

Now, let's apply that to health. What happens when you eat with no regard for the effects on your body? One day you may wake up and realize that you're sick and overweight. The good news is that when you purposely begin to do the right things in either area, you'll start to see short-term and long-term benefits.

One of Mr. McCulley's popular openings for one of his church lectures is called "Let's connect the dots -- between health and church growth": Healthy church members are happy church members. Happy church members are more giving to their church. The church has more resources and is more giving to their church members and their community. This leads to more people coming to church. And, the church is able to grow and help even more people.

By the way, many church members are sick and ill with diseases like diabetes, high blood pressure, obesity, heart disease, kidney failure, etc. Sick people can't help a church to grow as much as healthy people can. But, churches don't focus on God's nutrition and how to make people healthy!! In fact, many church people including the pastors and other church leaders rely on man's harmful drugs and man-made chemicals instead of God's super foods!!

Another point: Many church members are not only physically sick, but they are financially sick and struggling to make ends meet. And, financially sick people can't really help a church grow either.

One final point: There is a spiritual connection between physical health and financial health. Mr. McCulley calls it the Health-Wealth Connection. Imagine, if everyone understood this principle -- many of us would no longer struggle with our health and our wealth (finances)!

These are very simple but powerful principles. Please share these principles with your family and friends.

Health-and-Wealth Improvement Principles

Here are some principles for improvement that apply to both health and wealth.

First, evaluate your current position. Regarding health, evaluate your current eating and exercise habits. What foods make up your diet? Are you exercising regularly? Are you overweight? Regarding wealth, evaluate your current spending habits. Are you spending more than you earn? Where are you spending your money? Are you in debt?  What are the financial impacts? What are the possible financial savings if you get healthier?

Secondly, educate yourself. Learn what it takes to be healthy from someone who is healthy or overcame a health issue. Learn what it takes to be wealthy from someone who has achieved wealth. Watch TV shows like Suze Orman.

Thirdly, develop a plan. In the area of health, set out a plan for stepping out of those bad eating and exercise habits. Some people call this plan a diet, but you could think of it as a health budget. A budget is a plan for purposely limiting some aspects of spending, or in this case eating, so you will have what you need or want for another area. For example, you could "pay yourself first" by eating a large raw-vegetable salad at lunch and dinner before eating any cooked food. This ensures that you re getting the most nutritious aspect of your meal first and limits the space available for less nutritious foods.

In the area of wealth, set out a plan for stepping out of those bad spending habits. Some people call this a budget, but you could think of it as a money diet. Debt is the wealth equivalent of fat. When you find yourself overweight, it basically means you have been ingesting more calories than your body has been able to expend over a period of time. Debt, especially credit card debt, is the result of spending more than you earn over time. To "lose" debt, you must either spend less than you earn, increase your income, or both. To "pay off" your fat, your caloric intake must be less than your body expends, you must increase your activity through exercise, or both.

Once you've evaluated your position and set out your plan, begin to take the steps you've outlined. Don't try to make all the changes overnight, but be consistent and be patient with yourself. For upgrading your health, you might first choose to add more fruits and vegetables and replace those junk-food snacks with fruit. After some success in this area, proceed to your next step, perhaps choosing an exercise activity that you enjoy and determining a time-slot that you can maintain.

For your financial situation, you might begin by curbing those impulse spending sprees and refusing to go into debt over an unnecessary purchase. Then, once you've evaluated each category of expenditure for potential money savings, you can proceed to take the steps you've found to reduce spending in those areas.

Next, ride the momentum and continue to step to higher levels. As you're consistent with the changes you've determined to make, you'll find new freedom which will motivate you to continue in your efforts. As your health improves, those tight clothes will loosen up and you'll feel better. As your financial situation improves, you'll begin to feel less financial stress and those debts will begin to disappear. You'll find that you're able to spend money on those smaller clothes you'll need, now that, for example, your entertainment and debt budget categories aren't consuming more than their fair shares of the cash.

Once you begin to gain control of your health and wealth, you should continue to revise your goals to reach higher levels. For your health, you could target new aspects of your eating habits, like sugar consumption, and begin to add weight-lifting to your exercise routine. For your finances, you could begin to set up a contingency fund, start college funds for your children, and build your retirement investments.

Take time regularly to manage your health and your wealth. Once you develop good habits and self-control, maintenance will just be a matter of choosing to be a good steward in both areas. There s a saying in the financial world that applies equally to health, "the longer term your perspective, the better your decision will be." Let's begin to exercise discipline now to invest in our future health and wealth.

How to Achieve Health and Wealth

Does it seem like some people seem to have it all while others are lacking. Why is that? Is it luck, upbringing, hard work, genetics? I believe it is all three and each of us have within ourselves the ability to change the way we are.

Our present reality is often a result of our own way of thinking that is holding us back. Lonely miserable people are prone to get ill more easily and tend not to do so well at work or may not be able to get work. This makes them more miserable along with robbing them of the health and wealth they could so easily have in their life.

It’s that old vicious downward spiraling cycle of being stuck that brings you to rock bottom. You may be doing well in life then you become stagnant and redundant, you feel depressed, then you lose your self confidence, start to get ill, stop seeing friends, argue with your partner. Life turns out to be a dead end. When you take the steps needed to break this cycle, things will start to improve, one thing leads to another and you can start to reverse the cycle.

How can we succeed in achieving health and wealth in our lives? There are many techniques that can teach you how to change your behavior and mindset to ensure that you win rather than lose.

You can learn how to take control of your thoughts, become motivated, increase your self esteem and feel great about yourself and life. To have health and wealth you need to feel that we are worthy of having it. If you do not feel worthy you will never be able to open the locked door to happiness in your life. When you ignore your worthiness you lay the foundation for anger, hate, unhappiness, illness, poverty, and failure. To acknowledge that you are worthy opens the door to love peace, happiness, success, prosperity and abundance in every area of your life.

Financial Freedom

Financial Freedom. Those two words together sound great -- don' they? While those words may mean something a bit difference for each of us, for most it means more choice to do what you want, when you want.

When you are in a job, working for someone else, trading your time for a paycheck because you need a certain amount of money to pay your bills and living expenses, your choices may be limited.

Ideally, we all want to have the choice to work at a job we love; to be able to work each day free of worries about money. This information about becoming financially free is not to make you give up your job, but rather to give you the freedom of choice.

What is Financial Freedom?
"Financial freedom describes a well-planned lifestyle where one no longer is required to work for income to cover their expenses. Contrary to popular belief, it does not require being free of debt, as a debt payment is just another expense.

Typically, "Financial Freedom" can be attained in one of two ways (or a combination of the two):

  • Enough passive investment income to cover one's expenses.
  • A large enough "nest egg" that can be liquidated over time to cover one's expenses." (source: Wikipedia)

Financial freedom is not about how much money you make. You need to decide how you want to live. What makes you comfortable? What makes you happy? Besides being able to meet your living expenses and basic needs, what is important to you? It may be traveling, giving to charities, supporting your parents or other family members. You can see the list will be a bit different for everyone.

If you stopped working today and continued to live at your current standard of living how long would you last? If you could last a month, then you are one month wealthy. If you could last five years, then you are 5 years wealthy. And if you could last forever then you are infinitely wealthy. This statement is a real eye-opener. How long could you live on your savings or other assets? It is not just about acquiring more "things" it is about being 100% responsible for ourselves.

What does your retirement fund look like these days? Even with the best retirement plan, look at how rising energy costs and inflation change your financial picture when you are on a fixed income. When planning for the future we need to keep the decreasing value of the dollar in mind.

The good news is that you can take control right now of your finances and start on your path to becoming financially free. There are tried and true strategies or "secrets" of those who are financially free. They are not "get-rich-quick" techniques. They are relatively simple, but not necessarily easy.

To get started on your path to being financially free read the following paragraphs, and the web links on the right side.

Tips for Increasing Wealth

To acquire wealth or increase it  means to be smart with your money now, so you will be wealthy later on in life. So often we see get rich quick schemes that just don't work, but getting rich slowly is the smart and surefire way to increase your net worth and build your nest egg for retirement by doing, because you're doing small things now that add up later.

Here are some ways to help you acquire wealth and get rich slowly.
  1. Be frugal. This doesn't mean live in a box on the street, rather it's not spending too much on what you want, after you spend on what you need. The less you spend on high-end, luxury items that you don't really need, or could get at a less expensive price as a different brand, the more money you'll be able to save.
  2. Spend less than you make. Learn how to be a saver, not a spender.
  3. Pay yourself first. This means that instead of taking your paycheck and paying your bills first, you should take away a bit of money for your own savings and make that a routine. You can easily do this by automatically deducting from your paycheck and living off of the difference. This way, you'll adjust your lifestyle to what you take home after you save, and you won't even realize that money is going into your bank account each paycheck because it's all automatic.
  4. Don't hold onto cash or store your money in a normal savings/checking account. Find a high-yield savings account, through a local band or even online, to earn the maximum return for the amount of money you have. The differences may seem small now, but with the power of compounding interest, you could earn hundreds of thousands more by the time you retire. And, once you learn how to save, learn how to invest (for the long-term) using dollar-cost averaging to purchase high-yielding stocks and mutual funds.
  5. Cut down on that one spending habit you have. If you buy a coffee from Starbucks everyday, that's only $4.00 a day, but if you invested $4.00 a day in an account that made 8% interest, for 35 years, you'd have a total of $275,265. That's a lot of money to give up for one Starbucks a day.
  6. Educate yourself -- be smart and read about personal finance. There are a lot of lovely personal finance books and blogs about personal finance. If you even read one and absorb the information, it will help you tremendously and the book will pay for itself, guaranteed. Read books like Rich Man, Poor Dad.
  7. Find a friend or a family member who has lots of assets and demonstrates that he/she has some wealth and knowledge about finances, investing, etc. Learn from them.
  8. Start your own venture. It can be on top of your job, or all out your primary income source. You can give yourself more opportunities by working for yourself and using the skills and talents you have to generate a nice income stream over time. Here are a few ways to start your own venture:
Starting or Growing Your Business

Contact our Business Office if you need help to get started in one or more of the following areas:
Although Mr. McCulley's primary focus is nutrition, diabetes, heart disease and other health problems, he partners with other companies to help people in other areas. You see, Mr. McCulley believes that health and wealth are connected; and, that if you are successful in one area, you can use those same principles to be successful in the other area. Please read about the health and wealth connection on his website. And, if you want to improve your family's wealth outlook, please read the following.

Secondary Income for Your Family
This message is for wellness consultants, health advocates, chiropractors, diabetes educators, dietitians, and other healthcare professionals, and people involved in the MLM business: If you want to create a secondary income for your family, or if you want to grow your current health-related business, we provide several options, depending on your business goals and skill set:

Train-the-Trainer Training Program: provides you a talk-track, training book, and PowerPoint presentation slides that you can use to conduct lectures, workshops, corporate training, tele-seminars, and webinars to your clients. This will enable you to grow your business and increase your profits and revenues.

Free Website or Blog: provides you with a vehicle to increase your visibility on the Internet, share your message to millions of people, grow your business, and increase your profits and revenues.

Book Writing: Everyone has a story, no matter who you are. But, most of us don't realize how special we are! Sharing your own personal story will inspire your children, your partner, other relatives, and friends; and, it provides you with a vehicle to increase your visibility on the Internet, share your message to millions of people, grow your business, and increase your profits and revenues.

How to Start a Small Business: Get the ebook/PDF to help you get started to setting up your business. This ebook explains how to start a small business and an Internet business. This ebook also explains how to develop a business plan and a marketing plan for your business. In addition, this ebook defines success and how to be successful in life and business; and, how to find your passion and purpose in life.

How To Develop A "Wealth" Mindset

For people who have this wealth mindset, they can create money or success out of thin air and basically at will. Today's technology combined with the Internet provides endless number of opportunities to acquire success, health, and wealth. For people lacking this mindset, they struggle from paycheck to paycheck and won’t enjoy the same level of financial abundance that they possibly could.

Here are several tips on how to develop a wealth mindset:

Believe that you deserve wealth. You have to believe that you deserve it. If you don’t believe, you will overlook untold opportunities. If you don’t believe you deserve wealth, you will sabotage your own efforts. If you’re wanting to attract wealth but don’t believe you deserve it, it’s like driving a car pressing both the gas and the brake at the same time. It doesn’t work.

You can train your brain to automatically focus on success. Utilize the words you speak (and think) to change your life. What you say to yourself and others will either support or undermine your wealth mindset.

Develop an “opportunity consciousness.” For every problem there is a solution! And, if a lot of people are experiencing that problem, you may have a viable solution that can be productized into a business!  Look around and begin to ask yourself, “How can I add  more value? How can I make things faster, easier, quicker, less hassle, more fun for people? How can I make money solving this challenge? What can I do to solve this problem and make money doing it?” The bigger the problem you solve, the more wealth will pour into your life. The more you serve others, the more wealth you will achieve.

Find other people who are successful and/or wealthy. Observe what these people do, and you'll learn how to become successful and wealthy. Don't be afraid to ask them how they achieved their success.

Find a mentor. A mentor serves as a guide to get you from where you are now to where you want to be. Because a mentor, by definition, has already developed a wealth mindset, you can use precise questions to discover his or her strategies. As a result, you can create a shortcut to success by incorporating into your own behavior the beliefs, emotions and methods of a mentor.

Organize your life to matter more to others. The more you make your time and life valuable to others, the more wealth you will have. Period. End of story. Organize your life to matter more. Develop more valuable skills, network more with high achievers, and focus on serving people.

Begin to think in terms of passive income. Develop passive income as soon as possible. Passive income is something you do once and get paid multiple times for it. It’s the real secret of the rich. If you are always selling your time in exchange for money, your income is limited because your time is limited. I cannot emphasize the importance of passive income enough.

Visualize wealth. Visualize yourself making lots of money (or whatever the definition of wealth is for you). Visualize total financial abundance flowing toward you. There really is total abundance. You can tap into it. It’s there for the taking.

Set financial or other measurable goals. Goals focus your mind on a specific target, thereby enhancing the likelihood of a positive outcome. Goal-setting is a key component of the wealth mindset. Once your goals are identified, your subconscious mind will begin scanning for opportunities to attain them.

Cancel out negative thoughts. Vigilantly guard your mind as to what kind of ideas you put into it. If you put garbage into your mind, you’ll get garbage results. If you have great ideas, you’ll get great results. Monitor your internal dialogue and monitor what other people are saying to you, especially regarding money matters, finances, and wealth. If they’re dead broke, run away as fast as you possibly can. If they’re mega-wealthy, pay attention and hang on their every word!

Delay getting married and having children. People who delay marriage and especially delay having children are able to focus on their careers and increase their income while growing their assets a lot faster than if they were married and raising a child or two. Usually one partner is a "saver" and the other is a "spender", which leads to arguments and stress, and, more than 50% of the time leads to a divorce -- which requires both people to start over financially.

Think about money as energy. When you pay out or receive money, it’s really a measure of the value of the energy you’re exchanging. If you’re getting $20.00 an hour, you’re saying that the energy you’re putting out to create the value that you’re creating is worth $20.00 an hour. If you want to make more, figure out how to raise your energy that you’re putting out and how to deliver more value to others in the same time.

Wealth doesn’t discriminate. It wants you as much as you want it. Just get out there, use these tips, and attract that total abundance into your life.

You can do it because you are unstoppable!

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More Thoughts about Health and Wealth

If one of your main life goals is to make more money, would it be beneficial to you if you had more physical energy to do the daily tasks necessary to build your financial wealth? What about all the added mental energy that you would have to put toward creatively designing new ways to handle all the daily challenges that every entrepreneur faces today?

It is very difficult to have success in your life if you're  unhealthy, dealing with diabetes, high blood pressure, obesity, too many medications, etc.

Here's a horrible fact that I regularly speak about in my tele-seminars and live events; in today’s society, without a nice body, people subconsciously make life a bit harder for you. You see it all the time. People who are in good shape almost always get treated differently by others. Now I’m not saying that’s fair it’s absolutely not - but it’s a fact of life, so why not take advantage of it?

You see, you can’t change the fact that most everybody else in the world seems to treat good-looking people better, but you can change the one person who really matters, and that’s you. You can make yourself as strong and healthy-looking as possible, making life easier for you and setting a good example for your family so that they can also live a more successful and healthy life.

Good looking people climb the corporate ladder faster, they portray more authority when they stand in front of their staff, they get more preferential treatment, and they have far more stamina to take on all the work that's necessary in order to build a powerful company or business.

Note: Read the following web page for more tips about money and wealth:
  • 7 Tips for Building Wealth
  • The Path to Financial Freedom
  • The Bible and Money
  • 4 Books That Will Change the Way You Think About Money




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