Making 6 figures #2? How to avoid being one of 29% of American households with no retirement savings

Having a job? You can make it to the top 5%

There are 100 people at 65 years old:
One will be rich.
Four will be financially independent.
Five will be working.
Thirty six will be dead.
Fifty four will be dependent.

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Let’s suppose that most men and women start working at 25 and retire by 65.
How much money do you suppose an average man earn in 40 years?
According to CNBC( https://www.cnbc.com/2017/08/24/how-much-americans-earn-at-every-age.html ), this figure would be over $1.6 million. This is a substantial amount. This is a fortune.

Earl Nightingale in his popular audio program “Top 5%” talks about a research. There are 100 men and women at 25 starting out equally in America, the richest country on earth. Each has as much opportunity as the rest. By the time they are 65 years old:

  1. One will be rich.
  2. Four will be financially independent.
  3. Five will be working.
  4. Thirty six will be dead.
  5. Fifty four will be dependent.

Earl’s tape was in 1960s. However, the stats holds even in this present time. Only 5% are financially independent. This is the top 5% that we all want to belong to.

So according to CNBC above, most people will earn at least $1.6 million ($40K per year * 40 years) by the time they are 65 if they started working at 25. Only 5% makes the grade. 95% are either dead or don’t become financially independent. As I wrote in the article “Making 6 figure? How to avoid being one of 69% of Americans who have less than $1000 in the bank“, the survey by GoBankRates year after year still points out that many Americans who make 6 figures have less than $1000 in the bank. So where does the money all go? What’s the problem?

If you practice karate 40 hours a week, 50 weeks a year, for 40 years, you will agree that you will be an accomplished martial artist. I use Karate in this example as I practiced Musokai Karate for over 10 years. I realized the difference between an accomplished karate master and the rest is how much time they put into practicing persistently. My Shihan Arakaki is a living example of an accomplished Karate master through hard work and persistence.

If you practice anything (piano, acting, investing, programming, …anything) 8 hour a day, 5 days a week, 50 weeks ago, for 40 years, you can become an expert. 

In the above research, the fifty four men and women out of 100 who arrive at age 65 without having become financially independent in the richest land in the world have worked in the economy for 8 hours a day, 5 days a week, 50 weeks ago, for 40 years and have not figured out how to be financially independent for the remaining years of their life. 

The experts say that only 5% make the grade because that is the group that does not conform. They do not follow the crowd. 

Conformity is to act like everybody else. And by acting like everyone else, the odd is that 95 to 5 that we will miss the boat of becoming financially independent.

Why do people conform?

The reason to conform is simply because it is an easy thing to do. We have been taught to conform. From the time we were born through school, we were told what to do. We don’t want to be different as being different is ridiculed by others. We want to be liked and to belong to the group. We spent at least 18 years learning to conform.

Out of school, suddenly we find ourselves to be on our own for the first time. We get a job. The most natural thing for us to do as we have been trained to conform is to look around and see how other fellows are doing their jobs. Since we have always been told what to do, why should we start thinking for ourselves? Thinking for ourselves is much hard than to conform.

By starting at 25 and retiring at 65, you know that people have 40 years to become great at their craft. However, 95 percent won’t do it. The reason is because they do like everyone else, they follow the crowd.

Everyone has a choice. You can choose to follow the crowd to be like everyone else or to join the top 5%. The choice is yours.

If you don’t want to conform, you must think now before it’s too late.

If you decide to join the top 5%, let’s continue. If not, reading more will waste your time.

There are only two steps when it comes to financial independence. And anyone can do these two steps:

  1. One’s attitude toward their work.
  2. The money one can save.

First, no matter what your present job is, it contains many hidden opportunities. Take a moment in quietness, ask yourself those questions, and silently write down the answers:

  1. How can you become an expert in your present industry?
  2. Do you know your job and your industry like a doctor knows about medicine?
  3. What will your job be like in 5 years? Can you do it the same now?
  4. What are some ways that have not been done before to improve your job?

No matter what your job is, it contains the key to greatness. Look for it until you find it.

Second, your financial success has nothing to do with the money you earn but only with the money you save. Unless you save 10% or more of what you earn, you are doing yourself a disservice. Following those steps consistently and you will know the power of saving as well as enjoy your life, especially the later part when you need it most.

  1. First, save one-tenth of what you earn and dont touch it.
  2. Second, for every dollar you save, make it work for you. Make your savings your slaves. Make their children your slaves also.
  3. Third, control your expenditure so that you never have to tap into your saving. Better yet, slash your expense so that you may have some extra dollars to put into your saving. Remember #2, your saving will work for you along with its children, grandchildren,
  4. Fourth, guard your capital. Remember that getting rich is not a quick venture. You must be patient and not jump into any venture that causes you to lose your saving.
  5. Fifth, be disciplined and remember step #4. Warren Buffett follows this principle by saying “the first rule of investing is to not lose money. The second rule is to never forget rule #1”.

For detailed explanation, you can read more at: Making 6 figures? How to avoid being one of 69% of Americans who have less than $1000 in the bank.

Don’t follow the crowd. Start thinking for yourself now. Look for the key to greatness in your job. Start saving and put your saving to work.

Remember that 95% won’t do it. You want to be financially independent. You want to join the top 5%. And you can.

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Other popular articles:

  1. Leaders are readers
  2. This simple skill is worth millions, helped many become millionaires, billionaires
  3. A SPECIAL GIFT FOR YOU – WHY SHOULD I HIRE A COACH?
  4. Making 6 figures #2? How to avoid being one of 29% of American households with no retirement savings
  5. How to get your dream job with no experience – Lessons from Bill McDermott
  6. Making 6 figures? How to avoid being one of 69% of Americans who have less than $1000 in the bank.
  7. 20 minutes that can change your life
  8. Life lessons from a Uber driver who was laid off
  9. How to guard yourself against negative influences

About the author: Hoan Do is a certified leadership coach. Hoan have led multiple teams at Symantec Inc. across the globe delivering world-class solutions to protect consumers and businesses. Hoan is an expert in building highly performing teams. He believes that the best leader is the leader that could grow his followers to be leaders. Hoan has been organizing mastermind groups to share with other leaders about transformational leadership and coaching. He has trained many leaders via mastermind groups, workshops, and one-on-one coaching.
If you are curious about the above method and how you can apply it to your life successfully, open your email and send me an inquiry at coach@hoanmdo.com

 

 

How to get your dream job with no experience – Lessons from Bill McDermott

Bill McDermott is the CEO of SAP, the world’s largest business software company. He worked at Xerox for 17 years climbing its corporate ladder from an entry-level salesman to the corporate officer and division president. Bill then went to become the president at Gartner. Bill joined SAP as its CEO for North America in 2002. He again climbed the SAP’s corporate ladder to become SAP’s CEO.

How Bill got the jobs he wanted is a valuable lesson. It demonstrates a key principle: if you really want it and are willing to ask for it, you will get it.

1982 Bill’s first job at Xerox when he was 21 and just got out of college ( he didn’t go to any prestige school):

Bill went to the interview at Xerox’s office in New York. He wore a $99 suit (an expensive suit at that time) as he believed in overdressing and showing his professionalism.

When he said goodbye to his dad, he told his dad: “I just want you to know I’m coming home with my employee badge in my pocket. I guarantee it….Dad, I love you. I am coming home with a badge in my pocket.”

Bill realized that his chance of getting into Xerox was very slim. He was competing against people who went to Yale, Princeton, Notre Dame,…

Instead of panicking, Bill connected with other interviewees to learn as much about them as he could. He asked about where they came from, what schools they went to, what they were at Xerox for…. In other words, he was interviewing his competitors.

Bill completed several rounds of interviews and was ushered into a senior sales executive’s office for the final interview.

Instead of being nervous, Bill remembered his mom’s words and took them to heart: Just be yourself.

When the interview with the executive completed and Bill was told that he would hear back from Xerox after they reviewed all interviews, Bill did not want to wait. He knew exactly what he wanted: a job at Xerox.

He told the executive: “I told my father as I left him at the train station today, that I guaranteed I would come home tonight with my employee badge in my pocket. In twenty-one years, I’ve never broken a promise to my dad, and I can’t start now.” He then looked the executive into the eyes with silence. He knew that all he could do was to ask for what he wanted.

Bill got the job on spot. He did not leave immediately but closed the offer: “I do want to confirm that you’re going to hire me at the Xerox Corporation and I’m going to work for this company, yes? You’ve given me the job, is that right?”

Bill’s first sales manager job at Xerox:

After securing the support from the man in charge of Xerox’s New York operation, Bill applied to become a sales manager.  Bill was the least experienced, youngest candidate.

Bill arrived at the interview dressing above his present grade. While in the waiting room, he interviewed his competition. He asked about why they wanted the job, what their plan would be if they got the job…. Once he’s done, he knew that he had an edge: he wanted the job more than anyone else and he was prepared more than anyone else in the room.

Bill then interviewed with an executive who had the hiring authority. He showed her his plan in writing and told her what he would do as a sales manager.

Then he closed the interview after the executive told him to wait for HR to communicate the final decision: “You know that I can sell. And I know that I can get everyone on the team to sell. Give me this chance, and I will make this team number one in the country. I guarantee it. Number one.”

“Well, Bill, that is very different from everyone else.” She was smiling. “I appreciate everything you’ve done today.”

“I respect you, and therefore I don’t want to ask you tedious questions. I only want to ask you one more: Will you give me your trust and give me a shot at doing this job?” Bill asked.

“Bill, there’s a process we have to go through . . .”

“My trust is in your hands, and I believe the right thing will happen. I’ll be in the office early tomorrow if you’d like to talk some more.” Bill concluded.

Bill got the job. Once again, Bill asked for what he wanted and got it.

 

 

 

If you really want a job, ask for it. Go straight to the decision maker and ask for it with all your passion and energy. Be sure that it’s your dream job.

Learn another skill to ASK for what you want: “This simple skill is worth millions, helped many become millionaires, billionaires

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Other popular articles:

  1. Leaders are readers
  2. This simple skill is worth millions, helped many become millionaires, billionaires
  3. A SPECIAL GIFT FOR YOU – WHY SHOULD I HIRE A COACH?
  4. Making 6 figures #2? How to avoid being one of 29% of American households with no retirement savings
  5. How to get your dream job with no experience – Lessons from Bill McDermott
  6. Making 6 figures? How to avoid being one of 69% of Americans who have less than $1000 in the bank.
  7. 20 minutes that can change your life
  8. Life lessons from a Uber driver who was laid off
  9. How to guard yourself against negative influences

About the author: Hoan Do is a certified leadership coach. Hoan have led multiple teams at Symantec Inc. across the globe delivering world-class solutions to protect consumers and businesses. Hoan is an expert in building highly performing teams. He believes that the best leader is the leader that could grow his followers to be leaders. Hoan has been organizing mastermind groups to share with other leaders about transformational leadership and coaching. He has trained many leaders via mastermind groups, workshops, and one-on-one coaching.

PS: if this article inspires you, don’t wait. Take action immediately. If you want to talk, contact me by sending me an email to hoandojmx@gmail.com . To get a response, be sure to tell me your dream.

PSS: Read Bill McDermott’s memoirs: Winners Dream

 

Life lessons from a Uber driver who was laid off

The uber driver got out of his car and helped load my luggages into the trunk after seeing that I was limping. He looked like a 30-year athlete. I appreciated him as my foot was injured.

The drive was pleasant. A a coach, I often start the conversation and build a relationship. However, the driver started first. He asked about my trip, my foot, and my stay. Then he shared with me about his life. We had a great connection being built up.

The driver was a Vice President at a pharmaceutical company. This explained why he was very good at relationship building.  He worked there for over 20 years. When his company struggled, he was laid off with a big severance package.

When he was working as the VP, he made a lot of money. He ate out all day. He lived in a mansion. He bought expensive stuffs for his wife every month. However, he’s a big fat guy. He was not satisfied with his life but was too busy to even care.

As for his spending, the more he earned, the more he spent.

Once he got laid off, at first it was a devastating blow to his lifestyle. After a month being in quietness, he realized that he’s not dead yet and he still has many years to live as well as a family to take care of.

He also noticed that his health was much better. He started joining groups to exercise. In three months, he lost 90 lbs. Now he’s an active member of a group that bikes daily at 6am.

He’s in late 50s with a look of a young 30s. He’s very upbeat about life.

And he has more money in savings now as a uber driver than he had as a VP of a big pharmaceutical company.

He often goes back to his former company to party with his former co-workers. He said that he felt sorry for them as they are big fat guys burying themselves into a life that they have no control over.

Several companies invited him to work for them after his layoff. He tried and left as he chooses his life as it is now.

Several lessons from this driver:

  1. Spend less than what you learn. Learn the skill here.
  2. Create your life. Choose happiness.
  3. Exercise often. Start now.
  4. If you are laid off, get off it and congratulate yourself for starting a new life.

If you like what you just read, please click Like or put + in the comment.
Feel free to share if it helps someone.

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Other popular articles:

  1. Leaders are readers
  2. This simple skill is worth millions, helped many become millionaires, billionaires
  3. A SPECIAL GIFT FOR YOU – WHY SHOULD I HIRE A COACH?
  4. Making 6 figures #2? How to avoid being one of 29% of American households with no retirement savings
  5. How to get your dream job with no experience – Lessons from Bill McDermott
  6. Making 6 figures? How to avoid being one of 69% of Americans who have less than $1000 in the bank.
  7. 20 minutes that can change your life
  8. Life lessons from a Uber driver who was laid off
  9. How to guard yourself against negative influences

Still need help, send me an email at coach@hoanmdo.com

This simple skill is worth millions, helped many become millionaires, billionaires

Have you been rejected or disappointed time and time again?

If you have been rejected, one thing for sure, you are on the path to greatness.

Read those stories again and move on whenever you get rejected. The door to get what you want is wide open. Be it million dollars, a dream of becoming the next millionaire or billionaire.

The genius quiz might have taken you here. First, if you can solve the quiz in the image by answering correctly which tank will be full first, you are in the 1%. You are a genius.

Second, I must be honest, the genius quiz is to capture your attention as what I wrote below is the secret of success that only 1% people get. Many of them can’t solve the quiz you just saw. Yet, they became successful and wealthy.

Have you been rejected or disappointed time and time again?

web-666x445Colonel Harland Sanders is known as the founder of Kentucky Fried Chicken. He retired at age of 65 after working through odd jobs throughout his life. He felt like a failure and decided to commit suicide. However, instead of writing his will, he wrote what he wanted in life and decided to make it. He borrowed $87 to fry up chicken using his recipe and went door to door to sell. He knocked on 1010 doors. He got rejected 1009 times before the first yes.

“I made a resolve then that I was going to amount to something if I could. And no hours, nor amount of labor, nor amount of money would deter me from giving the best that there was in me.”

Gone With the Wind was rejected by 38 publishers.

walt-disney-quotes3Walt Disney was turned down 302 times before he got financed to execute his dream of creating Walt Disney World.

There’s no magic. Even Bill Gates had to knock on 1200 doors and only 11 said yes.

Bill gates got rejected“There’s no secret. I worked really hard on my idea to get it as good as I could, and then knocked on door after door.
I ended up showing my idea to 1200 people.
900 said no.
300 people showed some interest.
Only 85 people actually did anything.
30 took a serious look.
And 11 made me a multi-millionaire.” – Bill Gates, 1986

Oprah Winfrey was fired from her job as a reporter because she was unfit for Tvquote-you-get-in-life-what-you-have-the-courage-to-ask-for-oprah-winfrey-35-69-12

jk-rowling-quotesJ K Rowling was sacked as a secretary because she was a day dreamer. She was then rejected by 12 publishers after writing Harry potter. Her manuscript was later accepted by Chairman of Bloomsbury.  Her novel “Harry Porter” would later make her a billionaire.

quote-whether-in-success-or-in-failure-i-m-proud-of-every-single-movie-i-ve-ever-directed-steven-spielberg-27-96-58Steven Spielberg was turned down three times by the University of Southern California School of Theater, Film and Television.

Even though he attended another school and dropped out, he earned his BA and became an influential filmmakers in the history of cinema with Academy Award for Best Director for Schindler’s List (1993) and Saving Private Ryan (1998).

jack-maJack Ma, the Chinese billionaires, got rejected by Harvard 10 times. After college, he applied to 30 jobs and was rejected from every one. He applied to KFC. Of 24 applicants, 23 got accepted except Jack Ma. His cousin and he applied to be a waiter for a four star hotel. Even though his cousin scored lower than him, Jack Ma was turned down.

Those people were rejected and moved on. They became such successful that the world only remembered their greatness.

If you have been rejected, one thing for sure, you are on the path to greatness.

My mentor, Steve Chandler, taught a simple method to deal with rejection: if you are willing to ask 1000 people, you will get what you want. In a simpler term, keep asking until you get a YES.
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Steve taught that YES actually lives in the land of NO. They live their together like light and dark. If there’s no light, there’s no dark. If there’s no dark, there’s no light. You keep getting through enough NOs and you will get YES.

Read above stories again and move on whenever you get rejected. The door to get what you want is wide open. Be it million dollars, a dream of becoming the next millionaire or billionaire.

Enter your email to subscribe to notifications from this site

Join 4,662 other followers

Other popular articles:

  1. Leaders are readers
  2. This simple skill is worth millions, helped many become millionaires, billionaires
  3. A SPECIAL GIFT FOR YOU – WHY SHOULD I HIRE A COACH?
  4. Making 6 figures #2? How to avoid being one of 29% of American households with no retirement savings
  5. How to get your dream job with no experience – Lessons from Bill McDermott
  6. Making 6 figures? How to avoid being one of 69% of Americans who have less than $1000 in the bank.
  7. 20 minutes that can change your life
  8. Life lessons from a Uber driver who was laid off
  9. How to guard yourself against negative influences

About the author: Hoan Do is a certified leadership coach. Hoan have led multiple teams at Symantec Inc. across the globe delivering world-class solutions to protect consumers and businesses. Hoan is an expert in building highly performing teams. He believes that the best leader is the leader that could grow his followers to be leaders. Hoan has been organizing mastermind groups to share with other leaders about transformational leadership and coaching. He has trained many leaders via mastermind groups, workshops, and one-on-one coaching.

If you are curious about the above method and how you can apply it to your life successfully, open your email and send me an inquiry at coach@hoanmdo.com

PS: if this article inspires you, don’t wait. Take action immediately. If you want to talk, contact me by sending me an email to hoandojmx@gmail.com
PSS: if you are at the age that makes you think you are too old to start, check out those stories: It’s never too late

Leaders are readers

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When Warren Buffett was once asked about the key to success, he pointed to a stack of nearby books and said, “Read 500 pages like this every day. That’s how knowledge works. It builds up, like compound interest. All of you can do it, but I guarantee not many of you will do it.”

Buffett devotes 80% of his day to read between 600 and 1000 pages per day.

Bill Gates reads about one book a week, which is about 50 books per year.

Mark Cuban reads more than 3 hours per day.

Elon Musk, when asked how he built rockets, said that he reads books. Musk read 2 books a day, 10 hours a day, and had a book in his hand all the time when he was just a young boy. He buried himself into all the bookstore and library wherever he went.

Mark Zuckerburg read a book every two weeks in 2015.

Warren Bennis, a pioneer of leadership studies, said that one of the marvelous things about life is that any gaps in your education can be filled, whatever your age or situation, by reading, and thinking about what you read.

Books to read if you want to get rich in 2018 (source: CNBC):

  1. Think and grow rich by Napoleon Hill
  2. Business Adventure by John Brooks
  3. Your money or your life by Vicki Robin, Joe Dominguez, and Monique Tilford
  4. Unshakable by Tony Robbins
  5. The little book of common sense investing by John C. Bogle

Here are some of the books billionaires read:

  1. “Business Adventures” by John Brooks
  2. “String Theory” by David Foster Wallace
  3. “Shoe Dog” by Phil Knight
  4. “The Myth of the Strong Leader” by Archie Brown
  5. “The Grid” by Gretchen Bakke
  6. “A Full Life” by Jimmy Carter
  7. “Born a Crime” by Trevor Noah
  8. “Portfolios of the Poor” by Daryl Collins
  9. “Creativity, Inc.” by Ed Catmull and Amy Wallace
  10. “The Idea Factory” by Jon Gertner
  11. “Dealing with China” by Henry M. Paulson
  12. “The Remains of the Day” by Kazuo Ishiguro
  13. “Built to Last” by Jim Collins and Jerry I. Porras
  14. “Creation” by Steve Grand
  15. “Good to Great” by Jim Collins
  16. “The Innovator’s Dilemma” by Clayton Christensen
  17. “Sam Walton: Made in America” by Sam Walton
  18. “Lean Thinking” by James Womanck and Daniel Jones
  19. “Memos from the Chairman” by Alan Greenberg
  20. “The Mythical Man-Month” by Frederick P. Brooks Jr.
  21. “The Goal” by Eliyahu Goldratt, Jeff Cox and David Whitford
  22. “Data-Driven Marketing” by Mark Jeffery
  23. “Structures” by J.E. Gordon
  24. “Benjamin Franklin: An American Life” by Walter Isaacson
  25. “Einstein: His Life and Universe” by Walter Isaacson
  26. “Superintelligence” by Nick Bostrom
  27. “Merchants of Doubt” by Erik M. Conway and Naomi Oreskes
  28. “Lord of the Flies” by William Golding
  29. “Zero to One” by Peter Thiel and Blake Masters
  30. The “Foundation” trilogy by Isaac Asimov
  31. “Why Nations Fail” by Daron Acemoglu and James Robinson
  32. “The Rational Optimist” by Matt Ridley
  33. “Now, Discover Your Strengths” by Marcus Buckingham and Donald O. Clifton
  34. “The Old Man and the Sea” by Ernest Hemingway
  35. “Leaves of Grass” by Walt Whitman
  36. “Between the World and Me” by Ta-Nehisi Coates
  37. “The Four Agreements” by Miguel Ruiz
  38. “The Checklist Manifesto” by Atul Gawande
  39. “The Score Takes Care of Itself” by Bill Walsh, Steve Jamison and Craig Walsh
  40. “Outliers” by Malcolm Gladwell
  41. “Crush It!” by Gary Vaynerchuk
  42. “Peak” by Chip Conley
  43. “The $100 Startup” by Chris Guillebeau
  44. “The Charisma Myth” by Olivia Fox Cabane
  45. “The Design of Everyday Things” by Don Norman
  46. “The American Challenge” by Jean-Jacques Servan-Schreiber
  47. “The Great Illusion” by Norman Angell
  48. “The Right Stuff” by Tom Wolfe
  49. “Things Hidden Since the Foundation of the World” by Rene Girard, Stephen Bann and Michael Metteer

Books that teach you how to be rich:

  1. “Think and Grow Rich” by Napoleon Hill
  2. “The Intelligent Investor” by Benjamin Graham
  3. “Your Money or Your Life” by Vicki Robin, Joe Dominguez, and Monique Tilford
  4. “How Rich People Think” by Steve Siebold
  5. “The Richest Man in Babylon” by George S. Clason
  6. “The Automatic Millionaire” by David Bach
  7. “Rich Dad Poor Dad” by Robert Kiyosaki
  8. “The Little Book of Common Sense Investing” by John C. Bogle
  9. “Rich Habits” by Thomas Corley
  10. “Born Rich” by Bob Proctor

And my favorite list, which Warren Buffett recommended in his annual letters:

  1. The Intelligent Investor, by Benjamin Graham
  2. Security Analysis, by Benjamin Graham and David L. Dodd
  3. Common Stocks and Uncommon Profits, by Philip Fisher
  4. Stress Test: Reflections on Financial Crises, by Tim Geithner
  5. The Essays of Warren Buffett, by Warren Buffett
  6. Jack: Straight from the Gut, by Jack Welch
  7. The Outsiders, by William Thorndike Jr.
  8. The Clash of the Cultures, by John Bogle
  9. Business Adventures: Twelve Classic Tales From the World of Wall Street, by John Brooks
  10. Where Are the Customers’ Yachts? by Fred Schwed
  11. Essays in Persuasion, by John Maynard Keynes
  12. The Little Book of Common Sense Investing, by Jack Bogle
  13. Poor Charlie’s Almanack, edited by Peter Kaufman
  14. The Most Important Thing Illuminated, by Howard Marks
  15. Dream Big, by Cristiane Correa
  16. First a Dream, by Jim Clayton and Bill Retherford
  17. Take on the Street, by Arthur Levitt

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Other popular articles:

  1. Leaders are readers
  2. This simple skill is worth millions, helped many become millionaires, billionaires
  3. A SPECIAL GIFT FOR YOU – WHY SHOULD I HIRE A COACH?
  4. Making 6 figures #2? How to avoid being one of 29% of American households with no retirement savings
  5. How to get your dream job with no experience – Lessons from Bill McDermott
  6. Making 6 figures? How to avoid being one of 69% of Americans who have less than $1000 in the bank.
  7. 20 minutes that can change your life
  8. Life lessons from a Uber driver who was laid off
  9. How to guard yourself against negative influences

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