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      Life Accumulates in Our Personal Choice Accounts 
        By Jim Clemmer 
         
        "My philosophy is taking me somewhere. The big question is 
        where. The accumulation of equity will either be there or won't be there. 
        Life accumulates. And I'm either accumulating debt that I'll be sorry 
        for or I am accumulating value that I'll be happy about." — 
        Jim Rohn, personal development author and speaker 
         
        A farmer prayed fervently every night during harvest season for 
        a fine crop. He pleaded for crops as fine as his neighbors. After one 
        night of particularly strong lamenting and pleading, the Lord finally 
        replied. "Ben," He exclaimed, "How can I give you a harvest? 
        You didn't plant any seeds last spring." 
         
        Now is the time to prepare for our next harvest. We can't wait until harvest 
        time to plant the seeds. We can't strike a bargain to plant seeds once 
        we see whether the harvest is worth the effort. Kerry was in her forties 
        and slowly working her way toward a degree on a part-time basis. Many 
        of her friends and family tried to discourage her from "wasting her 
        time." "You will be fifty by the time you finally get your degree," 
        they told her. Kerry responded, "I wish I would have completed my 
        degree years ago. But since I am going to be fifty anyway, I want to have 
        a degree when I get there." Harvest time will arrive whether we're 
        ready or not. Now is the time to plant the seeds for the coming harvests. 
         
        Our choices accumulate in our personal choice accounts. We're accumulating 
        deficits or surpluses with each decision we make. Here are a few examples: 
      
         
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          After forty, our face is our own fault. It can be etched 
            with worry or laugh lines.  | 
         
         
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          We can have ever strengthening relationships and support networks 
            or grow more lonely and isolated as time goes by.  
            Our career expertise and experience can build toward ever-higher levels 
            of responsibility, choices, and mastery or we can become stagnant, 
            obsolete, and dispensable.  | 
         
         
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          We can continuously grow and prepare ourselves for new opportunities 
            or maintain status quo and become a victim of "sudden change." 
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          Our financial wealth can be growing and providing confidence in 
            our future or we can be steadily narrowing future choices and planting 
            seeds of insecurity and dependency.  | 
         
         
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          We can keep increasing the levels of love we give and receive or 
            become ever more distant, cold, and uncaring.  | 
         
         
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          Our reputation for keeping our word can build trust or our lack 
            of dependability can cause people to doubt our promises.  | 
         
         
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          We can grow older and wiser as our years accumulate or just get 
            old.  | 
         
       
       As with an active bank account, few of these choice accumulations are 
        permanent. We are continually shifting the balance of our choice account. 
        However, the longer our poor choices are allowed to accumulate, the more 
        time and effort will be needed to shift that balance. So we need to get 
        started immediately. Doing nothing won't reverse a negative trend. Now 
        is the time to change the balance in five years from now. Five years ago 
        we made choices that accumulated into today's circumstances. Time and 
        change march on whether we're ready or not. Five years from now will arrive. 
        Our choices accumulations over the next five years will determine whether 
        we look back with regret or satisfaction.  
      
      
         
      
         
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             Excerpted from Jim's fourth bestseller, Growing 
              the Distance: Timeless Principles for Personal, Career, and Family 
              Success. View the book's unique format and content, Introduction 
              and Chapter One, and feedback showing why nearly 100,000 copies 
              are now in print at www.growingthedistance.com. 
              Jim's new companion book to Growing the Distance is The 
              Leader's Digest: Timeless Principles for Team and Organization Success. 
              Jim Clemmer is an internationally acclaimed keynote speaker, workshop/retreat 
              leader, and management team developer on leadership, change, customer 
              focus, culture, teams, and personal growth. His web site is www.clemmer.net. 
               
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