They only fail to plan! Of course, nothing will work unless the plan is a good one. Even then, plans have to be flexible enough to adapt to changing priorities. I heard this quote attributed to Gen. Colin Powell (no relation that I know of): "Every battleplan works until the first volley is fired. Then, everything changes!"

Planning doesn't have to be painful. Fact is, planning will reduce our pain. A study once conducted verified this fact: being in a situation demanding a decision and being in physical pain produces the same brain wave activity! Now you know why it hurts so much to have to make a decision about purchasing a car, house, or even a CD (the one that gives you a dividend; not the latest Counting Crows project!)! Plans help us make decisions before they are required.

I see the need for three plans:

A Life Plan that will include the ways you find a sense of meaning and worth. This will include your vocational, spiritual, recreational, and relational goals. Be sure to include how you will give back to the community!

A Financial Plan that includes a budget, investment plan, major purchase plan, and retirement plans. If possible, use a Certified Financial Planner to assist you. CONTACT ME FOR A WAY TO GET THE BENEFIT OF A CFP at no cost. Drop me a line at: keith@thebottomlinecoach.com

A Fitness Plan that will help you enjoy the life you've planned and the wealth you've acquired. After all, there is a reason why someone once said, "What's money if you don't have your health?"

Getting focused enough to actually get these plans drawn up (much less executed) is hard. That's where coaching comes in. Coaching can guide and direct you in your masterplanning strategy. I am certain that many will not get the coaching they need because of the cost.

Consider every dollar expended in coaching as a dollar invested. Coaching has a proven "return on investment" for clients. the dollars spent are invested in YOU! And, after all, isn't your life, finances and health worth getting a plan together that is realistic, attainable, and accountable? That's what a coach can do ... provide the insight, tools, and encouragement to get that plan together and the accountability to execute it.

Just a thought