#F4 ,,H>D ,"W ,,SKILLS ,,&
               ,,4CIPL9E

  ,GRT;S IS EMBODI$ 9 AN ORD9>Y P]SON )
AN EXTRAORD9>Y -MIT;T1 DET]M9,N1
9SPIR,N1 4CIPL9E1 & 3C5TR,N4 ,! GRT
8NOTA#S0 WE R1D & HE> AB >E ALL ORD9>Y
P4 ,B !Y >E ORD9>Y P :O >E FIXAT$ ON H>D
"W1 SKILLS1 & 4CIPL9E4 ,LET'S 3T9UE
6LOOK AT \R EQU,N = GRT;S4 ,9 ! LA/
*APT] WE LOOK$ AT ! B$ROCK (! EQU,N3
2LIEFS1 VALUES1 & E?ICS4 ,9 ? *APT]1
LET'S LOOK AT ! SUP]/RUCTURE4

    ,MIX ,9 ,H>D ,"W ,SKILLS1 ,&
    ,4CIPL9E
  ,2 AW>E T "O (! MO/ -PELL+ >1S ( LIFE
IS "W & T *N W COPY A P>5T'S [N ATTITUDE
T[>D "W4 ,? IS FLE%$ \ 9 ! 8,APT ,TO0
RULE1 : C APPLY 6ALL >1S ( LIFE B
DEF9ITELY 6! >EA ( "W4 ,X FOLL[S T3
  #A4 ,IF ! P>5TS "W H>D1 ! *N >E APT
TO4
  #B4 ,IF ! P>5TS GRIPE AB "W1 ! *N >E
APT TO4
  #C4 ,IF ! P>5TS CRITICIZE _! EMPLOY]1
! *N >E APT TO4
  #D4 ,IF ! P>5TS >E A SLAVE 6"W1 ! *N W
2 APT TO4
  #E4 ,IF ! P>5TS RESPECT _! "W1 ! *N >E
APT TO4
  #F4 ,IF ! P>5TS "W =! "R PURPOSE--
6PL1SE ,GOD1 _! EMPLOY]1 & !MVS--! *N >E
APT TO4
  #G4 IF ! P>5TS "W 6ESCAPE !
RESPONSIBIL;Y ( _! FAMILY1 ! *N >E APT
TO4
  #H4 IF ! P>5TS *ANGE EMPLOY;T
FREQU5TLY1 ! *N >E APT TO4
  #I4 ,IF ! P>5TS 3SID] A JOB OR VOC,N Z
A PRIVILEGE 6H1 ! *N >E APT TO4
  #AJ4 ,IF ! P>5TS DEVELOP 3T9UAL
IMPROVE;T 9 "W SKILLS L SELF-/UDY1 SELF-
IMPROVE;T1 & RESE>*1 ! *N >E APT TO4
  #AA4 ,IF ! P>5TS HONOR _! EMPLOY]S 9
ORD] 6BR+ GLORY & HONOR 6! K+DOM ( ,GOD1
_! *N >E APT TO4
  #AB4 ,IF ! P>5TS 5D1VOR 6A3OMPLI%
EXCELL;E 9 _! JOBS & 6IGNORE ! /ATUS
QUO1 _! *N >E APT TO4
  ,D YR *N "E HE> Y TALK+ AB YR "W8 IF
S1 :AT D !Y HE> Y SAY8 ,D Y SP1K (! JOYS
( 3/RUCTIVE LABOR &( MEET+ A *ALL5GE &(!
PRIVILEGE ( 2+ A# 6MAKE A LIV+8 ,OR D Y
GRIPE & -PLA98 ,REMEMB]1 IF Y D X1 YR *
IS APT 6AL6
  ,WE NE$ 6T1* \R *N T X IS GD &A
PRIVILEGE 6"W4 ,YES1 T1*+ \R *N "W
SKILLS IS A MI<TY TASK4 ,B WE C 2G9 )
T1*+ !M AT HOME 6C>E = _! TOYS1 ROOM1 &
TA#-SETT+1 Z WELL Z 5C\RAG+ !M 6AID ,DAD
& ,MOM ) _! H\SEHOLD JOBS 7!Y W LOVE X &
LE>N F X74 ,WE M/ AL T1* !M H[ 6COOP]ATE
AM;G !MVS 6P]=M H\SEHOLD JOBS4
  ,2Y T1*+ !M AB "W 9 ! HOME1 TAKE YR *N
6V>I\S "W SITES \TSIDE ! HOME2 %[ !M
EXAMPLES ( DI6]5T TYPES ( "W2 HELP !M
4COV] ! "W NI*ES 9 LIFE T YR *N W MO/
5JOY4
  ,"O WAY YR *N W 4COV] ! 5JOY;T ( "W IS
6HE> ! PRAISE & APPLAUSE ( _! P>5TS4
  ,A * NE$S 6FEEL P]SON,Y PR\D ( -PLET+
"W4 ,SAY1 8,Y1H1 Y1H1 = ,J]RY60 ,WE ALL
LOVE PRAISE4
  ,LIKEWISE1 N"O ( U APPRECIATE RIDICULE
OR 3DEMN,N4 ,^? C KILL YR *'S DESIRE
6"W4
  ,B M ?AN T1*+ \R *N T X IS GD 6"W1 WE
NE$ 6T1* !M T "! IS A GD &A BAD WAY 6"W4
,WE DON'T WANT 6"W DUMB4 ,WE WANT 6"W
SM>T4
  ,WE C T1* !M 6"W SM>T 0T1*+ !M
6ORGANIZE _! "W & 6F/ VIEW A TASK Z A
:OLE & !N BR1K X D[N 96"PS4 ,!Y NE$
6LE>N 6?9K AH1D & LOOK = RELAT$ "W !Y C
P]=M--SIMULTANE\SLY4 ,WE C T1* !M H[
6LOOK = E6ICI5T %ORTCUTS4 ,WE T1* !M T
!Y !N NE$ 6SEQU;E _! "W3 F/ ?+S F/1
N>R[+ ! 4T.E1 & S ON4 ,2Y ^! L>G]
PR9CIPLES ( SM>T "W1 "! >E O!R BASICS L
AVOID+ BR1KAGE & WA/E 9 ! "WPLACE & "W+
N1TLY4 ,D ^! MATT]S S.D OBVI\S8 ,H[ F>
D[N LIFE'S ROAD DID Y H 6TRAVEL 2F Y
MA/]$ !M8
  ,WE C GIVE \R *N A BIG H1D />T4 ,=
9/.E1 :5 DID Y LE>N H[ 6E>N M"OY1 SAVE
M"OY1 & GIVE M"OY8
  ,& ABV ALL1 T1* YR * EMPA?Y = ^? :O
DON'T H "W & >5'T A# 6E>N1 SAVE1 & GIVE
M"OY4 ,? IS \R DUTY Z ,*RI/IANS4

    ,4CIPL9E
  ,H& 9 H& ) LE>N+ 6"W H>D -ES LE>N+
4CIPL9E4 ,& ? />TS ) T1*+ \R *N P]SONAL
4CIPL9E4 ,AF HAV+ SPOK5 9 OV] #CJJJ
PUBLIC S*OOLS1 ,I "K F/H& T ! AV]AGE
/UD5T 9 ,AM]ICA TD HAS V FEW P]SONAL
4CIPL9ES4 ,9 FACT1 _M S*OOLS--2C ( _!
PRO#MS ) DRUGS1 VIOL;E1 & DYSFUNC;NAL
FAMILIES--H DI6ICULTY J PASS+ /UD5TS F
"O GRADE 6ANO!R4 ,X IS N IMPOSSI#1 B X
IS V DI6ICULT1 6H 4CIPL9E )\T HAV+ !
PROP] B$ROCK ( 2LIEFS1 VALUES1 & E?ICS4
,X IS V EASY1 H["E1 6H GD 4CIPL9E IF !
PROP] F.D,N ( 2LIEFS1 VALUES1 & E?ICS
HAS BE5 LAID4
  ,! F/ REQUIRE;T =A * 6H 4CIPL9E IS =!
* 6H A T1*]1 M5TOR1 OR P>5T :OM HE OR %E
RESPECTS1 2LIEVES IN1 & W A3EPT 9/RUC;N
F4 ,? DOESN'T HAPP5 UN.S ! * FEELS -=TA#
)! ADULT & 3FID5T 9 ! ADULT'S -PANY4 ,&
? DOESN'T HAPP5 )\T SP5D+ L>GE
QUANTITIES ( "T TGR4 ,WE'LL 4CUSS ?
FUR!R 9 *APT]S #G & #H4
  ,:5 A P>5T A*IEVES M5TOR+ & T1*+
/ATUS1 HE OR %E 2COMES ! AU?OR;Y4 ,!
P>5T !N NE$S 6DEVELOP A SY/EMATIC TRA9+
REGIM5 =! *4 ,! SY/EMATIC TRA9+ (
4CIPL9E 9CLUDES ! TOTAL M5TAL1 EMO;NAL1
MORAL1 _SUAL1 & PHYSICAL P[]S ( "O'S 2+4
,X IS LIT],Y BR++ X ALL "U SUBJEC;N &
3TROL4 ,D Y RECALL ,BURGESS ,M]$I? &
,SYLVE/] ,/ALL"O8 ,/ALL"O1 PLAY+ ,ROCKY
,BALBOA1 SUBMITT$ HMF TOT,Y 6! TRA9+
REGIM5 SET =? 0,M]$I?4 ,HE DEVELOP$
4CIPL9E "U ,M]$I?'S TUTELAGE4 ,& HE WON6
  ,! 4CIPL9E %D H A CLE>-CUT GOAL =
P]=M.E4 ,9 ,ROCKY'S CASE1 X 0 6W9 ! _W
H1VYWEI<T *AMPION%IP4 ,& "! %D 2 SELF
IMPOS$ PUNI%;TS & REW>DS = "O'S 4CIPL9$
P]=M.E &= "O'S LACK ( 4CIPL9$ P]=M.E4
  ,! 4CIPL9E %D N"E 2 2Y R1SONA# &
PRUD5T P]=M.E4 ,"O SURE-FIRE WAY 6KILL
YR *N'S _SS IS 6EXPECT M F !M ?AN !Y C
R1SONABLY A*IEVE "? 4CIPL9E4 ,\R DEM&S
M/ 2 )9 ! P>AMET]S ( WISDOM4 ,A P>5T T
DRIVES A * MISFIRES ON ? PO9T & USU,Y
EXPECTS M F A * ?AN IS R1SONA#4
  ,SIMPLY /AT$1 6HELP YR *N SET P]SONAL
4CIPL9E1 E>N _! RESPECT 0SP5D+ "T ) !M &
!N 2COME _! M5TOR4 ,ASC]TA9 ! GOAL 6BE
A3OMPLI%$4 ,E/ABLI% A SY/EM = A3OMPLI%+
T GOAL4 ,WRITE X D[N4 ,LET YR * DET]M9E
! REW>DS & PUNI%;TS = A*IEV+ 4CIPL9E OR
N A*IEV+ X4 ,PROCE$ )! REGIM54 ,HELP YR
*N 6DESIRE 6PRACTICE _! 4CIPL9ES ! EXACT
SAME WAY !Y DESIRE 6REGUL>LY EAT1 SLEEP1
BA!1 & EV5 BR1!4
  ,"H IS A KEY3 ,9DUCE YR *N 64CIPL9E F/
& 6PL1SURE LAT]4 ,4CIPL9ES W USU,Y HURT
AT F/4 ,!Y WON'T 2 PL1SURA#4 ,ADULTS "K
T Z WELL Z ANY"O4 ,B !N 4CIPL9ES 2COME
HABITS T EV5TU,Y 2COME EXPRES.NS (
A3OMPLI%;T & 3FID;E4
  ,GRT PLACES 6E/ABLI% 9ITIAL 4CIPL9ES
>E ) YR *N'S /UDY HABITS1 TELEVI.N
-VIEW+ HABITS1 & R1D+ HABITS4 7,H[ _M (
U ADULTS >E / /RIV+ 6NAIL D[N ^! ?REE
>1S87 ,B ! MO/ BASIC 4CIPL9E ( ALL IS
E/ABLI%+ A 3SI/5T DEVO;NAL "T ( PRAY] &
,BI# R1D+ EA* "D4 ,9 MY OP9ION1 ALL O!R
4CIPL9ES 2G9 "H4 ,A TE5 T HAS SET A
REGUL> DEVO;N "T EA* "D C EASILY SET O!R
P]SONAL 4CIPL9ES4
  ,:Y8 ,N ONLY IS ! * LICK+ "O (! H>DE/
>1S ( 4CIPL9E1 HE OR %E AL IS FE$+ 8 OR
H] 2LIEF & VALUE SY/EM1 : W BOL/] DESIRE
= GD 4CIPL9ES4

    ,FRUGAL;Y
  ,"SBODY ONCE ASK$ BILLIONAIRE
PHILAN?ROPI/ ,JOHN ,D4 ,ROCKEFELL] H[ M*
M"OY 0 5\<4 ,8 REPLY1 8,J A LL BIT M40
,HE KNEW :AT FRUGAL;Y 0 ALL AB4 ,:5 9 !
H&S (A ?RIFTY & WISE P]SON1 NO AM.T (
M"OY IS TOO M*4
  ,TD'S PHILOSOPHY IS SP5D1 SP5D1 SP5D4
,A FAM\S ,LAS ,VEGAS 5T]TA9] :O MADE
MILLIONS REC5TLY FIL$ BANKRUPTCY4 ,HE
\TSP5T HMF4 ,:O HASN'T HE>D (!
PROFES.NAL A?LETES :O SU45LY MADE TONS (
M"OY ONLY 6H X RUN "? _! F+]S L WAT]8
  ,FRUGAL;Y IS A R>E -MOD;Y T \R KIDS
NE$ 6LE>N 9 TD'S _W ": ,AM]ICANS RUN UP
MILLIONS ^U MILLIONS ( DOLL>S ( CR$IT-
C>D DEBT4
  ,T1* YR * ! R1L VALUE ( M"OY 0IMPLE;T+
! FOLL[+ RULE1 : ,JOHN ,WESLEY LIV$ 0TWO
C5TURIES AGO4 ,/RIVE 6MAKE ALL Y C2 SAVE
ALL Y C2 GIVE ALL Y C4 ,IF Y MAKE ALL Y
C B DON'T SAVE1 !N Y >E FOOLI%4 ,IF Y
MAKE ALL Y C & SAVE ALL Y C B DON'T
GIVE1 !N Y >E GRE$Y4 ,IF Y MAKE ALL Y C1
SAVE ALL Y C1 & GIVE ALL Y C1 !N Y W R1*
T[>D GRT;S 9 LIFE4 ,! P>5T M/ SET !
EXAMPLE4

    ,GIV+ ,6,O!RS
  ,X IS ( NO AVAIL 6"W H>D1 MAKE M"OY1 &
!N HO>D X4 ,WE M/ T1* \R *N T ! TWO *IEF
R1SONS = "W+ H>D >E 6GLORIFY ,GOD 9 \R
M]E ACT ( "W & 6MAKE M"OY 6BE US$ 6FUR!R
,GOD'S K+DOM4 ,\R *IEF R1SON = "W+ IS N
6MAKE M"OY = M"OY'S SAKE4 ,H[ SAD X WD 2
6WAT* A * CLIMB ! M.TA9 ( GRT;S1 LAY+ !
PROP] F.D,N ( 2LIEFS1 VALUES1 & E?ICS1 &
BUILD+ ! EXT]NAL SUP]/RUCTURE ( "W+ H>D1
2+ 4CIPL9$1 & EV5 A*IEV+ FRUGAL;Y1 ONLY
6SEE ! * MISS ! M>K ( GRT;S 02+ /+Y &
HO>D+ 8 OR H] MAT]IAL OR _SUAL W1L? :5
HE OR %E 0 S CLOSE4
  ,B 2 5C\RAG$6 ,IF 9DE$ Y LAY ! PROP]
9T]NAL F.D,N ( 2LIEFS1 VALUES' &
E?ICS--Z WE DEMON/RAT$ DUR+ \R E>LI]
4CUS.N ( H[ 6?9K & D E?ICS--YR * W MO/
C]TA9LY 2 A GIV]1 N A HO>D]4 ,LET'S
RAISE A G5],N ( GIV]S6