The Science of . . .
The Science of Personal Prosperity
PERSONAL
PROSPERITY
Behavioral
Intelligence
Financial
Intelligence
High Impact
Motivators
Critical
Information
Community
Intelligence
More than
Ourselves
The Science of Personal Prosperity
SPONTANEOUS
ACCUMULATION
Spontaneous Accumulation


Internal Source
Needs to be activated
The Science of Personal Prosperity
SPONTANEOUS
ACCUMULATION
Behavioral
Intelligence
Financial
Intelligence
High Impact
Motivators
Critical
Information
Community
Intelligence
More than
Ourselves
The Science of Personal Prosperity
Behavioral Intelligence
Behavioral
The
Motivational
High Impact
‘Stones’
Motivators
Intelligence
High Impact
Motivators
The Science of Personal Prosperity
Predictably Irrational
http://www.pbs.org/wgbh/nova/body/mind-over-money.html
Early/Comprehensive Education – Doesn’t Work
http://www.clevelandfed.org/research/workpaper/2008/wp0803.pdf
89% of Divorces – Money
Financial Advisors – Worse than Their Clients
Financial Chaos – Worst Workplace Problem
Education + Income + . . . = Bankruptcy
Education + Income = U.A.W.s
Investment Fraud – Financially Literate Investors
Win Lottery – 85% Report Quality of Life Down
Pro Athletes – 72% Bankrupt within 2 Years
Inherit – 85% of Wealth Gone By Second Generation
Single Objective Obsessions
Behavioral Intelligence
The High Impact Motivators
Spontaneous / Automatic Solutions
Inspired by Expected Success
Integration with Intrinsic Personal Values
Pivotal Partner Participation
Communities of Shared Commitment
Compelling Examples of Success
Real-time Coaching/Mentoring
The ‘Quest’ Mentality
Setbacks are ‘Embryos of Solutions’ Mentality
Proactive Performance Tracking and Rewards
‘Vision’ Beyond Yourself
Crucial Information Sources
The Science of Personal Prosperity
Behavioral
Intelligence
Financial
Intelligence
High Impact
Motivators
Critical
Information
Community
Intelligence
More than
Ourselves
The Science of Personal Prosperity
Financial Intelligence
Financial
Intelligence
Critical
Information
The Science of Personal Prosperity
Financial Intelligence
THREE PRIMARY OBJECTIVES
STRATEGIES THAT WORK
INFORMATION THAT EMPOWERS
POINT OF CHOICETM TARGET
The Science of Personal Prosperity
Financial Intelligence
STRATEGIES THAT WORK
Home Purchase
401(k) Participation
Accelerated Debt Reduction – Elder Ashton
Million Dollar Choices ™
Income Real Estate
Owning Your Own Business
Mentors
Marriage
The Science of Personal Prosperity
Financial Intelligence
STRATEGIES THAT WORK
Home Purchase
401(k) Participation
Accelerated Debt Reduction – Elder Ashton
Million Dollar Choices ™
Income Real Estate
Owning Your Own Business
Mentors
Marriage
Staying Healthy
The Science of Personal Prosperity
Financial Intelligence
STRATEGIES THAT WORK
Home Purchase
401(k) Participation
Accelerated Debt Reduction – Elder Ashton
Million Dollar Choices ™
Income Real Estate
Owning Your Own Business
Mentors
Marriage
Staying Healthy
Optimism
The Science of Personal Prosperity
Financial Intelligence
STRATEGIES THAT WORK
What Doesn’t Work
Home Purchase
Debt Consolidation Loans
401(k) Participation
Investment Life Insurance
Accelerated Debt Reduction
The Quest for Higher than Expected Yields
Million Dollar Choices ™
Traditional Budgeting
Income Real Estate
Rent-to-Own Purchase Contracts
Owning Your Own Business
Pay-day Loans – Tax Anticipation Loans
Mentors
Two-Income Households
Marriage
Staying Healthy
Optimism
The Science of Personal Prosperity
Economic Outpatient Care
Traditional Financial Planning Education
Financial Advisors – Success by Appearance
Financial Intelligence
INFORMATION THAT EMPOWERS
INSIGHTFUL
OBJECTIVE
USER FRIENDLY
S.I.O.U.
SURPRISINGLY
CONTENT
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Content is reliable, insightful, unbiased and rich
Resource links are to reliable sites
Content provides answers to assigned topic questions
I would personally visit this site to purchase/research
Content compared with similar web sites
The site interactively connects information to challenge
DESIGN
7 - Links on the site work properly
8 - Web page organized so information is readily accessible to users
9 - The site allows users to easily search within the website
CREDIBILITY
10 - The site has been honored by independent research/award groups
11 - Contact information is provided
12 - The site states when the page was last updated
The Science of Personal Prosperity
Financial Intelligence
The Science of Personal Prosperity
Financial Intelligence
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The Science of Personal Prosperity
Financial Intelligence
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The Science of Personal Prosperity
Financial Intelligence
The Science of Personal Prosperity
Financial Intelligence
Price Range
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Pulse Function
The Science of Personal Prosperity
Financial Intelligence
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The Science of Personal Prosperity
Financial Intelligence
The Science of Personal Prosperity
Financial Intelligence
Debt – you Owe it to Yourself
TM
Driving YourFutureTM
The Wealth of Great Health
TM
Prosperous Menu Planning
TM
Smarter Home
Mortgage Expenses
Taxes – Personal and Business
Business Valuation
Expense Tracking
Saving and Investment Fees
Teenage Work Opportunities
Scholarships/Financial Aid
FICO Score Management
Insurance
The Science of Personal Prosperity
Financial Intelligence
SMART PHONE TECHNOLOGY
The Science of Personal Prosperity
Financial Intelligence
The Science of Personal Prosperity
POINT OF CHOICETM TARGET
The Science of Personal Prosperity
Behavioral
Intelligence
Financial
Intelligence
High Impact
Motivators
Critical
Information
Community
Intelligence
More than
Ourselves
The Science of Personal Prosperity
Community Intelligence
Community
Intelligence
More than
Ourselves
The Science of Personal Prosperity
Community Intelligence
Who do you choose to:
. . . listen to
. . . trust
. . . follow
. . . serve
. . . select as friends
. . . select as a marriage partner
. . . be neighbors with
. . . work with
. . . select as professional partners
. . . network professional prosperity
. . . target as clients
. . . form internet communities with
The Science of Personal Prosperity
Spiritual Intelligence
A Flash of Creative Genius
Spiritual
Intelligence
… after all
we can do
II Nephi 25:23
Spiritual Intelligence
A Flash of Creative Genius
THE gift is the path – not a destination
11 Therefore, be ye as wise as serpents and yet
without sin; and I will order all things for your
good, as fast as ye are able to receive them.
Amen. Doctrine and Covenants 111:5-11
Spiritual Intelligence
A Flash of Creative Genius
THE gift is the path – not a destination
Authority to lead and multiply for others
17 And he said unto him, Well, thou good servant:
because thou hast been faithful in a very little,
have thou authority over ten cities. Luke 19:17
Spiritual Intelligence
A Flash of Creative Genius
THE gift is the path – not a destination
Authority to lead and multiply for others
Everlasting Values
41 But if ye will nourish the word, yea, nourish
the tree as it beginneth to grow, by your faith
with great diligence, and with patience, looking
forward to the fruit thereof, it shall take root;
and behold it shall be a tree springing up unto
everlasting life
life. Alma 32:41
Spiritual Intelligence
A Flash of Creative Genius
THE gift is the path – not a destination
Authority to lead and multiply for others
Everlasting Values
Cycle of Prosperity
2 Yea, and we may see at the very time when he doth prosper his people, yea, in the increase of
their fields, their flocks and their herds, and in gold, and in silver, and in all manner of precious
things of every kind and art; sparing their lives, and delivering them out of the hands of their
enemies; softening the hearts of their enemies that they should not declare wars against them;
yea, and in fine, doing all things for the welfare and happiness of his people; yea, then is the
time that they do harden their hearts, and do forget the Lord their God, and do trample under
their feet the Holy One—yea, and this because of their ease, and their exceedingly great
prosperity.
3 And thus we see that except the Lord doth chasten his people with many afflictions, yea,
except he doth visit them with death and with terror, and with famine and with all manner of
pestilence, they will not remember him. Helaman 12:2-3
Spiritual Intelligence
A Flash of Creative Genius
THE gift is the path – not a destination
Authority to lead and multiply for others
Everlasting Values
Cycle of Prosperity
Communities of Prosperity
19 Every man seeking the interest of his neighbor
neighbor, and
doing all things with an eye single to the glory of God.
Doctrine and Covenants 82:19
6
For if ye are not equal in earthly things ye cannot be
equal in obtaining heavenly things;
Doctrine and Covenants 78:6
Spiritual Intelligence
A Flash of Creative Genius
THE gift is the path – not a destination
Authority to lead and multiply for others
Everlasting Values
Cycle of Prosperity
Communities of Prosperity
78 And again, verily I say unto you, concerning
your debts—behold it is my will that you shall
pay all your debts
debts. Doctrine 104:78
Debt is not prosperity
Spiritual Intelligence
A Flash of Creative Genius
THE gift is the path – not a destination
Authority to lead and multiply for others
Everlasting Values
Cycle of Prosperity
Communities of Prosperity
27 And see that all these things are done in
order; for it is not requisite that a
wisdom and order
man should run faster than he has strength.
And again, it is expedient that he should be
diligent, that thereby he might win the prize;
therefore, all things must be done in order.
Mosiah 4:27
Debt is not prosperity
Big Chunk Strategies
Spiritual Intelligence
A Flash of Creative Genius
THE gift is the path – not a destination
Authority to lead and multiply for others
Everlasting Values
Cycle of Prosperity
Communities of Prosperity
22 He that hasteth to be rich hath an evil
eye, and considereth not that poverty shall
come upon him. Proverbs 28:22
Debt is not prosperity
Big Chunk Strategies
‘Get Rich Quick’ Brings Poverty
Spiritual Intelligence
A Flash of Creative Genius
THE gift is the path – not a destination
Authority to lead and multiply for others
Everlasting Values
Cycle of Prosperity
Communities of Prosperity
Debt is not prosperity
Big Chunk Strategies
‘Get Rich Quick’ Brings Poverty
Abide the Law
32 And they who remain shall also be quickened;
nevertheless, they shall return again to their own place,
to enjoy that which they are willing to receive, because
they were not willing to enjoy that which they might
have received.
36 All kingdoms have a law given;
given
Doctrine and Covenants 88:32, 36
Spiritual Intelligence
A Flash of Creative Genius
No matter our financial circumstances, we want to
improve them. This, too, is good if it is not carried
to an extreme.
I am satisfied that the Father of us all does not wish
His children to walk in poverty. He wants them to
have comforts and some of the good things of the earth. In the Old Testament, He speaks of
"a land flowing with milk and honey," of the fatlings of the flock , and of other things which
indicate that He would have His children properly fed and clothed and sheltered, enjoying the
comforts that come of the earth, but not to excess.
It is when greed takes over, when we covet that which others have, that our affliction begins.
And it can be a very sore and painful affliction.
I commend to you the virtues of thrift and industry. In doing so, I do not wish you to be a
"tightwad," if you will pardon that expression, or to be a freeloader, or anything of the kind.
But it is the labor and the thrift of people that make a nation strong. It is work and thrift that
make the family independent.”
President Gordon B. Hinckley
President Gordon B. Hinckley
No matter our financial circumstances, we want to improve them. This, too, is good if
it is not carried to an extreme.
I am satisfied that the Father of us all does not wish His children to walk in
poverty. He wants them to have comforts and some of the good things of the
earth. In the Old Testament, He speaks of "a land flowing with milk and
honey," of the fatlings of the flock, and of other things which indicate that He
would have His children properly fed and clothed and sheltered, enjoying the
comforts that come of the earth, but not to excess.
It is when greed takes over, when we covet that which others have, that our affliction
begins. And it can be a very sore and painful affliction.
I commend to you the virtues of thrift and industry. In doing so, I do not wish you to
be a "tightwad," if you will pardon that expression, or to be a freeloader, or anything
of the kind. But it is the labor and the thrift of people that make a nation strong. It
is work and thrift that make the family independent."
1.
Listen and Connect –
Worship and Pray
Listen and Connect
– Worship and Pray
Worship God:
32:9 More Than Once Each Week
Pray For:
34 Heading: Pray for Spiritual and Temporal Blessings
32:23 Imparteth his word by angels to women and children
34:24 Cry Over Crops That we may prosper in them
1.
2.
Listen and Connect –
Worship and Pray
Personal Responsibility
Personal
Responsibility
32:13 Repent - Inspired change
32:20 Work – Will bring the blessings
32:27 Experiment on the word
34:53 Do not procrastinate
1.
2.
3.
Listen and Connect –
Worship and Pray
Personal Responsibility
Inspiration Model
Inspiration Model
- Desire to believe
- Hope
- Faith
- Knowledge
- Perfect Knowledge
Answers not all at once
32:36 - Ye cannot know of a surety at first
D&C 111:11 - order blessings as fast as you are able
D&C 52:14 - A pattern in all things
1.
2.
3.
4.
Listen and Connect –
Worship and Pray
Personal Responsibility
Inspiration Model
Atonement fills our gaps
The Atonement
of Christ
. . . after all we can do
II Nephi 25:23
1.
2.
3.
4.
5.
Listen and Connect –
Worship and Pray
Personal Responsibility
Inspiration Model
Atonement fills our gaps
Pray for and serve others
Pray for and serve
others
Pray for the welfare
of those around you
Alma 34:27
If ye are not charitable
ye are as dross
Alma 34:29
1.
2.
3.
4.
5.
6.
Listen and Connect –
Worship and Pray
Personal Responsibility
Inspiration Model
Atonement fills our gaps
Pray for and serve others
Be Grateful
Be Grateful
for what is already
yours
. . . that ye live in
thanksgiving daily
Alma 34:38
1.
2.
3.
4.
5.
6.
7.
Listen and Connect –
Worship and Pray
Personal Responsibility
Inspiration Model
Atonement fills our gaps
Pray for and serve others
Be Grateful
The Complete Plan
The Complete Plan
- Needs
- Wants
They did minister unto
them according to their
wants – Alma 35:9
- Tools
They did give unto them
lands for their inheritance
Alma 35:9
Luke 19
Multiply Resources

Zaccaeus





… a man that is a sinner
… “I give half of my goods to the poor”
… Taken anything by false accusation – I return four fold
… Jesus to Zaccaeus – this day is salvation come to this house
Nobleman and ten servants who he gave ten pounds



… The first gained ten pounds – Well done thou good and
faithful servant – have thou authority over ten cities
… The second gained five pounds – Be thou also five cities
… Another laid his pound in a napkin for “I feared” – who
gavest thou my money into the bank
D&C 104:78-80
Pay Your Debts


It is my will that you shall pay all your debts
THE CHALLENGE - Obtain this blessing by:




THE PROMISE - I:




… your diligence
… humility
… prayer of faith
… will soften the hearts of those to whom you are in
debt
… shall send means unto you for your deliverance
… will give you the victory
THIS ONCE
- I will deliver you out of bondage
Helaman 12:2-3
Stage 1  … when he doth prosper his people
 In the increase
Of their fields
 Their flocks and their herds
 In gold, and in silver
 In all manner of precious things of every kind and
art

Sparing their lives
 Delivering them from their enemies
 Softening the hearts of their enemies
 Doing all things for the welfare and happiness
of his people

Helaman 12:2-3
Stage 2  … then is the time
 They do harden their hearts
 Do forget the Lord their God
 Trample under their feet the Holy One
 Yea, and this because of their ease, and their
exceedingly great prosperity
Stage 3  … except the Lord doth
 Chasten his people with many afflictions
 Doth visit them with death and with terror,
and with famine and with all manner of
pestilence

… They will not remember him
D&C 70:7
To the Storehouse- We Give Our EXCESS



… inasmuch as they receive more than their
NECESSITIES and their WANTS
… it shall be given into my storehouse
Brigham Young – “I had never seen so
many cows you could not milk, horses you
could not ride and land upon which you
could never plant”
Diligence – Haste - Discipline

Proverbs 10:4


The hand of the diligent maketh rich
D&C 64:33
Be not weary in well doing
 Laying a foundation of a great work
 Out of small things proceedeth that which is great


Proverbs 28:22

He who hasteth to be rich:
Hath an evil eye
 Considereth not that poverty shall come upon him

Diligence – Haste - Discipline

D&C 111:11
THE CHALLENGE
Be wise as serpents - Gain and utilize knowledge
 And yet without sin - Be obedient
THE PROMISE
 I’ll ORDER the blessings in your behalf
 AS FAST as ye ARE ABLE to receive them

The ‘Others’ in Prosperity

Jacob 2:17



D&C 78:6



If ye are not equal in earthly things
Ye cannot be equal in obtaining heavenly things
Alma 34:27


Think of your brethren like unto yourselves
That they man be rich like unto you
Cry unto the Lord . . . For the welfare of others
D&C 82:19




You are to be equal . . .
Every man according to his wants and needs . . .
Inasmuch as his needs are just
Every man seeking the interest of his neighbor
‘Surprise’ Success Sources
Enhance Wealth
Three interesting (surprising) things that
enhance the probability of building wealth
1. Marriage
The Science of Personal Prosperity
‘Surprise’ Success Sources
Enhance Wealth
Three interesting (surprising) things that
enhance the probability of building wealth
1. Marriage
2. Health
The Science of Personal Prosperity
‘Surprise’ Success Sources
Enhance Wealth
Three interesting (surprising) things that
enhance the probability of building wealth
1. Marriage
2. Health
3. Optimistic vision of the future
Three interesting (surprising) things that are
not great predictors of wealth accumulation
1. Intelligence
2. Education
3. Income
The Science of Personal Prosperity
Behavioral
Intelligence
Financial
Intelligence
High Impact
Motivators
Critical
Information
Spiritual
Intelligence
More than
Ourselves
The Science of Personal Prosperity
Spiritual Intelligence
More Than Ourselves
Spiritual
Intelligence
More than
Ourselves
The Science of Personal Prosperity
Spiritual Intelligence
Inspired
Inspired Prosperity
Prosperity
The Science of Personal Prosperity
Spiritual Intelligence
Inspired TEST Prosperity
The Science of Personal Prosperity
Spiritual Intelligence
Inspired TEST Prosperity
The probability of prosperity is enhanced through prayer and obedience
Not Guaranteed
Inspired prosperity requires meaningful preparation for famine
The most prosperous is the one who finds the greatest joy in the simplest things
The Lord’s prosperity is a process. Rarely is it a single event.
The Science of Personal Prosperity
Spiritual Intelligence
Inspired TEST Prosperity
The ‘paradox of prosperity’ is:
•
•
•
•
a cycle that requires calamitous reminders to help us remember
appreciated through contrasts
is at maximum value when it is shared with others
it is not limited to ‘obedient’ saints
The Science of Personal Prosperity
Spiritual Intelligence
Inspired TEST Prosperity
The Seven Deadly Sins
P
A
W
S
L
E
G
ride
varice
rath
loth
ust
nvy
luttony
The Science of Personal Prosperity
The Seven Great Joys
P
A
W
S
L
E
G
rosperity
achievement
ork
ervice / Charity / Giving
ove / Relationships / Family
nlightenment
ratitude
Spiritual Intelligence
Inspired TEST Prosperity
Alma 32
Faith
Prosperity
Alma 16 Prosperous Prerequisites
The Science of Personal Prosperity