[Lifehack.org post] 23 Proven Strategies to Get Through Any Hardship - and Thrive

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[Originally published on Lifehack.org] Nobody sets out in their life to fail, get hurt by others or get ill, go bankrupt, take on massive debt, take punches from the world until they die.

But when these things inevitably happen - sometimes in a row - it can completely take the wind out of your sails. We have the choice to see the tests as something necessary to improve our lives or otherwise as needless misery.

Most of us grow up setting long-term goals and hearing that quite anything is possible. Then, we encounter more and more resistance as we age - from competition at an ever higher level - and from "circumstances."

At every level, starting with your college, you are striving for the top 10% (or better). For grad school, then top jobs, it's always the top 10% of that old 10%. That's how survival of the fittest works, we're told.

Except that fitness is but one small factor in the battle to swim through the darkness to the mythical and distant island of "success." Intelligence and pure hard work are critical, but over-rated. So is luck. That's why A students end up working for C students often.

Grit is the key ingredient for those that "make" it to the top of any field. Work long enough on any problem and you'll make some headway, often quite a lot. Even if not the smartest, wisest or the fastest worker, you'll outlast, outwork and ultimately outperform the smarter, wiser, faster folks.

A Russian saying puts it best. "The slower you go, the farther you'll get."

Those with true grit have generally overcome some combination of big childhood traumas, failures in their business and in family and personal setbacks. Yet they have persevered because they felt that life was worth continuing, that all the challenges were there for some big purpose well beyond themselves.

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In my own life, I grew up in a single-parent home, then emigrated here from Soviet Russia, put myself through college and then law school, managed to survive New York despite Recession, unemployment, massive debt and setbacks in my business and a lot of mini-traumas on the way. Yet, here I am, much stronger than before, more focused, healthier and wiser than before - and more accomplished.

What's worked for me? An over-riding sense that difficulties come and go, always for good, for growth. A discipline to get through certain problems to the end and also knowing when just to let go.  A wealth of patience and a boundless curiosity. Knowing my place and mission in this world and always seeking to improve and change for better - for my own sake and my family's.

These are the detailed strategies I've used to weather through great challenges and come out ahead:

1) Get a grip on life. Stop just surviving and learn to thrive.

First, break the vicious cycle that keeps you miserable and frustrated, poor and running in place. If I can do it, you most certainly can, as well.

2) Value your time above everything else and others will learn to value your time above all.

It's your most precious resource and is always diminishing.

Until I learned to value my time above all, friends, family and everyone I met could easily manipulate me (on purpose or not, doesn't matter) into spending my precious time on useless conversations, behaviors, habits, etc. In the end, learn to recognize patterns in your own behavior and the behavior of others to avoid wasting time on conversations that bring no useful, constructive effect to your life or the life of the other person/people.

Once I set limits and acknowledged the obvious bad habits in myself and others to engage in useless conversations - where I wasn't improving someone else's life or my own or was otherwise learning and taking something useful away from the experience, suddenly, I saw my time in a completely different light. Others started valuing my time much more and productivity went up a great deal.

3) Create good habits and get rid of bad ones. Keep a consistent (and consistently healthy) daily regimen.

This is a really basic, but under-appreciated point, especially for young Invincibles. A solid and consistent daily regimen will keep you in one piece through the lowest of the lows and the highest of the highs.

Here are 12 easy life-changing habits you can start today. Sleep 7-8 hours a night, EVERY NIGHT (and here are 9 ways to improve the quality of your sleep). Wake up early to take advantage of the most productive (morning) time. Get up and stretch from your chair every hour. Pack a healthy lunch and healthy snacks (almonds and other nuts, PopChips, fruits, etc.); eat out sparingly. Take good care of your digestion, because if you don't, you'll be miserable too often to function well and die too soon from chronic disease. Walk around quickly as often as you can to get exercise. If you hate the gym like me, do push-ups every morning. Take the stairs, not the elevator, as much as you can. Take good care of your hygiene (don't be lazy at night), especially your teeth and skin.

Learn how to relieve your stress in safe and reliable ways. Have close friends and family around. Minimize (ideally, eliminate) the time you spend with people that add negativity (jealousy, envy, wasting of time, perpetuation of bad habits) and stress to your life. Exercise regularly. Eat well, consistently. Sleep well. Have a glass of red wine once in a while. Reinforce good habits with others who have them.

Learn to control your impulses. Outrun, outwalk, outcrawl, make a detour around temptation. Acknowledge your limitations and outsmart yourself. Simply stay out of the context where you can't control your impulses. Simply keep away from unhealthy food, activities, relationships, spending, people, language, influences, etc. Be smart and cautious enough to nip trouble in the bud.

Learn to say no to people. This is by far one of the most important skills and habits of all. Practice makes perfect.

4) Take good care of your mind.

Find a highly recommended therapist with a sliding scale to help you dig through and unpack and throw away all the awful baggage from childhood that's holding you back from seeing yourself in a healthy way and moving forward with life and succeeding. Drop the stigma. Create good habits around positive thinking, stress relief (see above).

Get rid of toxic thoughts and overcome their effects on you.

Kill all your sacred cows and really start living.

Make no mistake - your mental health (or lack thereof) will make you or break you.

5) Eliminate negativity from your life as much as you can, day in and day out.

Be relentlessly positive, even while remaining a realist pragmatist. This means removing people that put you down or shower you with jealousy, envy and unproductive and unhealthy ways to spend time. Minimize listening to depressing music and watching depressing movies. Manipulate your mood for the better with music that lifts you up and keeps you moving forward.

Value your time above all (see #2).

6) Develop a Negotiation Mindset in all your dealings with people.

Practice negotiating for cheaper coffee or fruits at the farmer's market, where you have nothing to lose. Research, understand and internalize your true value to employers, business partners, landlords and all others you deal with. Be confident about your capabilities and set your limits when you go in to negotiate. Come in with concrete and measurable facts about what you've done, on what budget and time frame, how much money and time you've saved the team and company. Practice with a coach or a no-holds-barred friend beforehand.

Before I ever negotiated for anything, I was hampered by all sorts of insecurities and hidden scripts in my head that were passed down from parents, siblings, friends and cultural vectors. When I met my wife, who grew up in Morocco and negotiates for a living, the paradigm was turned upside down. In Morocco, NOT to negotiate is insulting and looked down upon. Locals always know the true price and the "acceptable" margin.

EVERYTHING is negotiable.

I slowly untangled my own hangups about negotiation, learned to understand my own true value to an employer or business partner or vendor in each case and started practicing with negotiation in a Moroccan bazaar, where there was absolutely nothing to lose.

With time, I successfully negotiated a full-time offer with benefits after being offered a contract. At that job, I ended up negotiating a 23% discount ($45K off) on financial management software - far better than expected for a company of our size. I then negotiated a cap of 1% on rent over 5 years (saving the company $17K). At another job, I negotiated $10K and better benefits/perks higher before starting. Since then, I've negotiated big discounts (20% or more) on everything from moving company expenses to rent, consulting rates, car rental fees, credit card fees, hotel chain points, coffee and all sorts of other large and smaller purchases.

After a while, developing a negotiation mindset has not only saved (and made) me tens of thousands of dollars, but also given me confidence and competence that are priceless. It's a snowball effect that consistently opens up big savings, perks, freebies, extra points and other "hidden" benefits.

The rule with negotiation is simple: If you don't ask, the answer is always no!

7) Connect to something higher than yourself through meditation and finding your roots (culture, religion, nationality, etc).

Put yourself in a context where you feel connected to where you came from and who you are, so you will have the bedrock for growth in your personal life.

My own experience with becoming an observant Jew has been a very long and winding road full of potholes and false turns. I've also learned to balance the various parts of my identity in my own way - Russian-American, Kentucky boy, New Yorker, writer, lawyer, financier, entrepreneur, etc. Every person's path is quite unique and frankly, it should be. Cookie-cutter transformations are often false and rarely last.

8) Practice gratitude daily, right after you wake up and before you go to sleep.

Literally count your blessings each day. Say thanks as much as possible to others, especially your family and close friends (where would you be without them and their support?). Write thank you notes by hand to others to set yourself apart in their mind.

Here are 10 things to be thankful for RIGHT NOW.

9) Live frugally, within your means. Organize, understand and regularly manage your finances. Find ways to make more money, not just to save and scrimp.

Not knowing the full picture of your finances will be a constant source of stress and family argument. It's actually critical to your health and well-being. Take it seriously and get your act together ASAP.

Put away at least 6-12 months of earnings as a cushion in case of unemployment or unexpected expenses. Carefully monitor your credit through carefully (Credit Karma, for example). Automate monthly bill payments, monthly savings and investments. Use budgeting tools to control your spending. Understand your cash flows and their timing clearly. Pay off your debts ASAP, starting off with the highest-interest loans first. Find ways to make more money by using your existing (or adding new) skills by freelancing, consulting, coaching or otherwise creating an online business. Learn to live frugally without completely forsaking a lifestyle you actually enjoy.

Living frugally is a virtue, but of course never quite easy, especially if you're used to a certain level of lifestyle. However, it often means the difference between "a little more fun now/misery later" and "a little less fun now/happiness a little later."

On a practical note, when you "deprive" yourself of material things you're used to, you find out that you truly need very little except basic necessities to get by. You will learn to be incredibly resourceful with food, entertainment, budgeting, hosting, dating, finding freebies and discounts and planning ahead. Even though it may seem like an awful chore for the first some time, living frugally actually forces you to become more independent and self-confident in your life choices, focusing you on what's truly important - experiences above material things.

When I was 9, I helped Mom buy a car for us, so she just had to give a check and we owned the car. At 15, I convinced her to buy a house, despite a shaky job and finances. My approach to money became to spend ahead of making money, which led to awful credit card debt that took years to repay. It caused me to move out of New York for a few months when I couldn't afford rent after law school. A lack of foresight, research and planning (aspiration without the perspiration) led to a quarter million in student loans from law school right when the Recession hit.

Only when I got married and saw down with my wife (who has always had a much healthier relationship with money) to review our finances, did it hit me just how much my ostrich-in-the-sand attitude had cost me in dollars, sense, time, late payments and opportunities in life. Before this, I had no idea how to budget or understand cash flows, or visualize the full extent and terms of my student loans.

Once I bit the bullet and learned how these things actually work, I felt greatly empowered to get rid of my student debt, optimize credit card spending to maximize points, to negotiate for discounts and otherwise take control of saving and spending. Now, it's hard to imagine my head was in the sand all this time.

10) Look internally for meaning, not to material wealth, circumstances or to other people.

Stop comparing yourself to others. Liberate yourself from the chains of jealousy and envy. Your only relevant measure of success is against your own potential, which is always much greater than you can imagine at your lowest. Seek experiences, not material goods. Stick to your ethics and morals and never stray from them for anyone or anything.

My mother's a neuroscience professor and two grandparents were doctors, so I grew up really wanting to be an MD/Ph.D. After my grades tanked in college, it became just Ph.D. After a year in my Ph.D. program, I left with the heavy weight of parental disappointment. I worked for a year and went to law school, realizing mid-way that law was not for me. In the depths of the Great Recession, I went into finance to make a living and realized after 3 years in that I was not doing anything enjoyable or working to my potential. That's when I left to start my own company in health tech and ended up working for two other startups  in the space, doing finance/operations, then product management.

Despite burnout, soul-searching, lots of criticism from family and friends, I persevered to find my sweet spot in helping health tech companies launch and scale quickly. All these experiences - both good and bad - have given me a thick skin and discipline, a better understanding of my virtues and faults, a great set of skills I use in all areas of life and a much clearer sense of what gives me meaning and happiness professionally and personally - and what doesn't. All of this is well earned and priceless as life experience.

In short, every person's path is different. Some find their way quickly and others take their time. Neither guarantees success or failure. The journey is just as important as the destination. Keep plowing - and constantly sowing new seeds - through the hard times. Work hard (and smart). Learn as much as you can along the way and you will certainly find your meaning and purpose in the process.

11) Always plan ahead and prepare with as many specifics as possible.

Break down goals into specific tasks. Set deadlines for each task. Track your progress. Celebrate small wins. Use project management tools to help you optimize the process. Set unrealistic, crazy goals - then research how successful people have achieved such goals. Follow their model. No need to reinvent the wheel.

Creative, artistic types have the hardest of times doing this. Having been born this way, I've nevertheless forced myself to break down lofty goals like publishing a novel, getting into a new industry, making a certain salary by a certain age, paying off student debt, understanding and managing my finances, etc. The first novel took 7 years. The second took 7 months.

Careful, realistic planning that involves small tasks, specific timelines and budgets brings the lofty into the realm of the possible and doable.

Minimize the number of daily decisions you have to make.

Prepare your lunch the night before. Choose what you're going to wear tomorrow before sleeping. Think Zuckerberg and his famous hoodie and Steve Jobs with his turtlenecks.

12) Research every person you deal with in business and personal life and have a clear picture of what you're getting into ahead of time.

A couple hours spent on due diligence now can often save you months and months of untangling yourself from a-holes and frauds, fake friends, failed joint ventures, lawsuits and other nightmares. Caveat emptor.

Before I learned to take myself seriously and set boundaries and rules, I used to fall for all sorts of schemes, one-sided friendships, bad deals, gigs that went unpaid, etc. Once I learned to dig deeper beforehand, this dramatically changed my preparation for dealing with every person I met by choice. Now, before I meet someone, I know exactly where they are coming from, what are their motivations, how I can help them and how they can help me. This makes all interactions instantly more useful and valuable for both parties and cuts out the BS to get right to the point of how we can work together to help each other.

13) Keep a journal and write down your experiences, both good and bad.

This is one of the best ways to give yourself therapy and perspective on what you've been through and how you've persevered. It is also critical to collecting new ideas and sowing new seeds daily.

In my case, keeping a notebook and pen always handy to take down observations, ideas, new concepts, things I overheard on the subway, lines of poetry, beautiful pieces of art or music I saw or heard, my craziest and most desperate thoughts at my lowest and amazingly inspired reflections at the highest - are all chronicles I can look to anytime to see my own development as a son, husband, father, writer, lawyer, financier, traveler, negotiator, etc. It's always invaluable to remember who you really are and what you're capable of when circumstances make you forget.

14) Always take the long view, but show up for the small things every day.

Don't get too high with the highs in life and don't get too low with the lows. Always find a way to press ahead. If you take good care of yourself, you will have a long time to work on important problems with your full energy. 5 years is a good reference point for how long it takes to become a top expert in your field and generate solid revenue in the process.

Rome wasn't built in a day. Don't waste your time planning to be the first to build Rome overnight. I've failed many times trying to build castles from cards overnight. The big successes all took a really long time, lots of hard work and evolution and constant improvement to materialize.

Keep your eyes on the prize. Find ways to stay focused. Constantly prioritize things in the order of what gets you to your goals fastest and most effectively.

Shoot for 1% improvement each day in whatever you're working on (a trait, a project, a relationship, etc.). Otherwise, you'll burn out and give up too fast.

15) Use the 80/20 Principle in your interactions with people and in the work you do.

Don't kill yourself softly with perfectionism. In the end, Getting Sh*t Done always beats Perfect, but Unfinished. Think Most.

Use the concept of MVP (Minimum Viable Product) as a guiding principle when building something.

16) Don't do it alone.

Cultivate mentors and advisors (in real life AND online, in the knowledge of others who write about overcoming the same problems).

Learn from every person - both what to do and what NOT to do. Read widely and voraciously on the experiences of others with the issues you're having. Nothing that you're going through, no matter how difficult or painful, has not been faced by someone, somewhere in the world, who's lived to tell about it.

Enlist help from friends and family to keep you on track and accountable, as well as motivated and encouraged. However, don't rely on everyone being on board with what you're doing. It often takes at least a partial success to make even the closest people to you to see the value in what you're doing.

17) Keep challenging yourself in small ways daily. Don't just react. Be proactive.

Take the stairs. Get up an extra 15 minutes early even though you fell asleep late. Take a walk even if you're tired. Do an extra lap around the park. Hold yourself off from buying that nice-looking danish. Out-walk, outrun temptation just this once.

This way, you'll show yourself you're capable of greater things than you imagine. You'll slowly push your limits out a little, then a little more. Eventually, this builds into a competition with yourself. This grows into a discipline and habits that are good for health and wealth and productivity, etc. It's always working on the little things that are attainable from day to day that yields the greatest of results.

Maybe it's just a personality type, but I've always felt driven to push myself beyond laziness (despite being lazy), to remind myself that I'm capable of small physical and intellectual feats that I managed when younger. This means taking a cold shower (15-20 second) every single morning, signing up for a half-marathon one day and jogging 4 miles in the park after not running at all for 6 years, taking the stairs with 40 pounds of groceries, waking up early to go to synagogue despite sleeping far too little, speaking French even when I can use English, writing essays in Russian after emigrating at 9, and many other small and big challenges I set for myself on a daily basis over the years. Maybe it's a way to stay young at heart.

The point is, it works quite well to keep me physically and mentally nimble despite all the setbacks and hardships in life, the bad logistics and circumstances and other things I can blame when I don't feel up for doing something. Oh, did I mention having a kid? Nope, no excuses.

18) When you fail, fail quickly and cheaply.

Learn from your mistakes and never make them again. Going forward, avoid jumping blindly into any new venture, relationship, debt, career, trip, religion or scheme. Always do your research ahead of time on the people involved, cost, previous successes and failures for others who've been through it. Always get a second, third and fourth opinion. Always look for a cheaper, better, faster option of whatever you're considering. Don't trust "gut feelings" until you've analyzed in depth all the relevant data to understand the likelihood of success (and failure).

Take calculated risks. See how others who have done the same thing have fared over the short and long term. Read and ask questions on Quora, Reddit, in related forums and in person. Crowd-source solutions from your networks. You'll be shocked how much useful and highly relevant information you'll find out there to solve just about any problem you can ever face.

19) Get fired at least once.

Make no excuses when it happens. Take a short time to let the strong emotions pass. Understand without resentment and emotional attachment what went wrong, how to fix it and what you need to learn from the experience.

When you get fired, figure out what you need to do differently to improve your performance. Don't just blame the boss for being an a-hole and unreasonable. Are you in the right industry and role? Are you more of a start-up person than corporate or are you too risk-averse?

When I was fired once, it was incredibly painful, since it stopped income flow, disappointed my loved ones, shook my confidence and burned bridges. But I got up, rebuilt myself, understood what went wrong after the emotions died down and moved on with the difficult, but necessary lessons.

The key is not to dwell on the disappointment, but instead to see it as something you can (and must) fix. Understand the root causes (you may just suck at the job or care little for what you were doing; it was a bad cultural fit, the wrong role, wrong industry, company size, etc.; likely, it's some combination of all of these). Now, look inward to understand better who you are, what role you're happiest in and then find the company that will nurture and push you in that role, then the appropriate industry and title.

Here's how to find out what you're really meant to do in life.

Here's how to find out whether you should work in a startup or stay corporate.

Here's how to find your career personality type.

20) Live in New York City or London or Paris or other large metropolis for at least a year or two - ideally more.

You will go through many difficult, but amazingly fruitful growth experiences, which will sharpen your mind and craft and earning power and knowledge of human psychology far beyond anything you could imagine if you stayed back home.

Yes, you will fall for many schemes at first and make many blunders and likely fail in a few relationships and business ventures. But you will also build a thick skin, an appreciation for finishing what you start, a taste for competition with the very best and for always doing things at a high level and quality, for good food and drink, for great company, for what exactly it takes to be successful anywhere (you make it here, you'll make it anywhere).

You'll often be at the edge of the cliff and at the bleeding edge of everything cool and interesting and important - often at the same time. You will have the best time of your life even while totally miserable - if you survive long enough. You'll make your best friends - and a few enemies, if you're really good at something.

21) Dig deep to understand what ROLE you want to play in an organization. Forget industry and title. Figure out what you really want to do in life.

Are you happiest as the caretaker who makes sure everyone else around is healthy and has everything they need to do well in their roles? Are you most comfortable as the subject matter expert everyone goes to? Does it make you feel good to delegate to others and keep hammering the company mission and vision? Do you love selling others on the company's mission and product?

I've had the fortune to work in many different roles, industries and companies over my career. I've built my own business, advised and consulted countless others, worked with the CEO and janitor and everyone in between. I've done finance and operations, product and project management, strategy, marketing, writing and everything in between. I've worked with every personality type from the relentless micro-manager to hands-off delegator to perfectionist and introvert subject matter expert.

Each person I've worked with has taught me a great deal about what kind of person I am and want to be, about what role makes me happiest and most comfortable (as well as what roles I hate), about the type of people I want to work with (and will categorically, never work with again). Industry and title are important only after you know that you're a good and natural fit for the role you'll be doing and the company where you'll be doing it, working with the right type of people that will bring the best out of you on a consistent basis.

This way, you will do the best work of your life.

22) Sow new seeds every day.

Listen much more than you talk and absorb others' knowledge and understanding of the world! Get out of your comfort zone to meet new people (at meetups, museums, markets, interesting events, not bars). Write down 10 new ideas a day on a notepad (and be religious about it). Read new books. Take courses. Learn new languages, skills and facts. Take on new projects and internships. Find new ways to make a name for yourself (and generate revenue in the process). Write thank you notes to people who've helped you to stay in touch. Visit new places. Take a new way home. Experiment with new foods and ways of seeing the world. Most importantly, always keep moving forward and have no fear! Never stay still.

You simply never know when a random bit of knowledge will help you get ahead in life, when knowing another language or culture or having a certain skill or worldview will get you in the door of your dream job, when the simple (but rare) ability to listen and empathize with another human being may find you a spouse or new best friend.

My own experience has seen me starting to write a handful of books (novels, self-help and others), tens of articles, meeting tens of thousands of interesting people, changing careers, hearing and telling hundreds of stories, speaking in 4 languages at one dinner table, traveling to 4 continents, taking on far too many projects at once, starting several businesses, learning about my capabilities and limits and countless other amazing experiences I wouldn't trade for anything, despite the many false leads and dead ends.

23) Just show up (and be on time).

As the cliche goes, this is indeed half of what makes someone successful. Just showing up consistently puts you ahead of the great majority of people in just about anything you do, especially things you do well. Do it long enough and you'll accomplish great things by persistence alone, even if others have more intelligence, speed or savvy than you.

If there is a "secret" to how I've gone through all the hardships in my life, it's definitely this last point. I've been lucky to know people that are more intelligent, faster and more savvy than myself. But the biggest successes generally come from those that have worked a long time at something, regardless of what others think or say.

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As you inevitably go through life and fail sometimes and get frustrated, take more punches, know that it's all for something, never just to make you suffer.

Grit and determination will get you through whatever hell you're going through. Don't give up and don't listen to naysayers. Everything that comes your way, you can ultimately handle (trust me). Just keep going!

Later in life, you'll come to see what blessing all the hardship really is. All the same, may your journey be easy and fruitful! I'll be rooting for you.

**And, as ever, if you have any questions at all, please do get in touch!**

Are there other proven strategies you’ve used to get through difficult times? Please share them with the Community in Comments below. We’d love to hear from you!

– –

Like what you see? Visit BlueprintToThrive.com for more great strategies and tips for better health and wealth, plus improved productivity.

Follow us @Blueprint2Thriv

Yuri Kruman is a Healthcare Product Manager, published author and contributor to Money Magazine, blogger at BlueprintToThrive.com and health tech entrepreneur based in New York.

*The views expressed herein are his own*

The Ultimate Guide To Starting a Business TODAY for (Almost) Nothing

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omkduq9r3zo-olu-eletu There was a time, and not so long ago, when starting a new business meant expenses through the roof. Where do I start? How do I test the concept? And how about the name? When should I start a company? Should it be Corp. or LLC? And what about the logo? AAAAH!!!

Today, there is a huge selection of free tools (or at least cheap ones) available to anyone with time and an idea to plan out, to start and run a business from the comfort of their home and laptop.  But sorting through the garbage and the scams, false leads, dead ends and such can take the wind out of your sails.

We've done the hard work for you to find only gems.

Here is the good stuff, broken down by category:

1) Test Your Idea for Relevance and Find Potential Customers.

i. Create a landing page on LeadPages or UnBounce. Do optimized A/B Testing to see what works and what doesn't to attract potential customers.

ii. Sign up for Google AdWords. Here's a free $100 Credit to start.

iii. Launch a Google Ad (here's a quick guide).

iv. Define what "success" means to you. Is it 100 signups or 10,000? Be clear and measure your results against your success goals. If you reach your goal or get close, you may be on to something with your business idea. If not, it may be wise to drop it altogether or at least change your concept significantly and try again.

v. Follow up with those who sign up first. These often become your most valuable supporters and beta testers for your product(s). Treat them really well, but ask for honest, constructive feedback.

 

2) Create a Business Plan and Present It to Potential Investors, Employees and Customers. Here's a good primer on the process.

i. In short,

a) Create an Executive Summary and Company Description.

b) Describe the Organization and Management, Products and/or Services you're planning to offer.

c) Define your Strategy for Marketing and Sales.

d) Perform an in-depth Market Analysis.

e) Project out your Finances out for a few years. Use conservative assumptions for sales targets, expenses, revenues, etc. Anticipate any debt you'll need to take on or equity rounds you'll need to raise.

f) Create a sample Request for Funding.

ii. Carefully (and concisely) define your company's mission and never let go of it in your mind or how you discuss your company with others. Passion is critical to the success of the business.

ii. Do a SWOT Analysis. Discuss your concept and its viability with experienced people in the industry and field that you trust. If the overall analysis (plus gut feeling) tells you that it makes sense to go forward, given the risks, market dynamics, available resources (financial, intellectual and otherwise) and timing, then continue below. If not, it may be time to get out before you're in too deep, or at least to keep tweaking and testing your concept until you hit on something that generates interest among potential customers, investors and/or employees.

iii. Create a short-and-sweet Pitch Deck for potential investors, employees and customers (tweak it for the appropriate audience).

iv. Create and practice your Elevator Pitch to anyone who'll listen.

v. Create a blueprint for a Minimum Viable Product (MVP) that you can build and scale quickly. If you're a non-tech founder, here is a good guide to building an MVP.

vi. Define a clear and compelling go-to-market strategy.

vii. Build a core team to execute on your mission and MVP blueprint. Here's a good primer on how to do this most critical of things for your business - and well.

 

3) Protect Any Intellectual Property You May Have.

i. File any trademarks or copyrights.

ii. Consider filing a patent (another detailed discussion here) - whether on your own or with help from a licensed patent attorney, if relevant.

 

4) Name Your Business and Create a Brand Identity. Choose your name very carefully, since it will be your brand's identity in all marketing, investor and other documents, as well as the first thing people think of with regard to your products and/or services.

i. Here's a great infographic distilling the process into the most important components. Here's another quick primer for the business naming process.

ii. Here's a great guide to naming your product(s) and/or service(s). Keep it short, simple, relevant and catchy.

iii. Check GoDaddy.com for available domain names with your business name. If the domain name is taken or on back-order and expensive, decide whether brand identity is worth the expense for you.

iv. Pick your company color scheme very carefully to define your brand identity. Here's a useful guide and here is a excellent, very detailed explanation from KISSMetrics of the psychology of color and conversions (sales) and what works with certain demographics and what doesn't.

v. Create a logo and related graphic designs for your company, products and to use on all related documents and websites. 99Designs is always a great and inexpensive option. Here is a detailed explanation of good design principles to help you with the process.

 

5) Create a Professional-Looking, Clean and Uncluttered Website. Your site should take into account what you've learned through your A/B Testing and interactions with potential customers, investors and employees.

i. Purchase a domain name on GoDaddy.com (this has the best discounts, we've found). Always look for discount code on RetailMeNot or other coupon sites.

ii. Create a Self-Hosted Wordpress page and link your domain to it. Set up hosting (for a few bucks a month) with BlueHost or other well-regarded service. Here's a great guide for the entire setup process, with detailed instructions and BlueHost discount.

iii. Customize the Wordpress theme to reflect the type of business you have. Customize the site's colors to match your company colors and control the associations people create with your company and site colors.

iv. Set up your site with the customized SumoMe for Wordpress plugin's tools and metrics. 6) Form a Business Entity to Formalize Your Idea into a Real Company.

i. Once you have potential customers, investors and/or employees committed to work with you, it's wise to form an actual company. Do not rush to do this first before going through steps 1-5, above.

ii. Think carefully about what type of business entity you want to form, based on your business objectives and exit strategy (sell the company, grow and keep it private or IPO some day). Here is a detailed guide to various business entities discussing advantages and disadvantages, types of legal liability, flexibility, ownership structure, cost of upkeep, dispute resolution mechanisms and other important considerations. Here are related articles and another step-by-step decision guide to help you.

iii. Use VCorpLegalZoom or similar service to form your chosen business entity.

iv. Make sure to register your business with the state(s) where you will be doing business by going through the same service you used to file your business or otherwise manually, through each state's Department of State website.

v. Check with any relevant state and federal agencies that regulate the business you're planning to conduct.

vi. Get a Tax ID number from the IRS.

vii. Open a business checking and savings accounts at a bank that will provide you with excellent customer service.

viii. Based on your corporate structure, decide how you will grant equity and/or other incentives to new employees. Here is a great place to start to get this right.

ix. Lawyer up. In the current business climate, it's much better to be safe than sorry and have a lawyer to call with any corporate, regulatory, intellectual property or other legal issues that inevitably come up. There are lawyers out there who may agree to an equity (or delayed payment or even pro bono) arrangement with a founder in lieu of a hourly or retainer agreement, depending on circumstances and appetite for an alternate arrangement.

 

7) Raise seed funds from yourself, friends, family, angel investors and/or VCs (depending on terms that make sense for your company's mission, exit strategy and the resources you need to get to market). It's better to raise just enough funds from just the right strategic partners than to raise a ton of money from people that don't really buy into what you're doing and can't or won't really help you grow and scale quickly. Pick your strategic partners very carefully.

 

8) Relentlessly execute on your mission. Build your MVP and/or service offering. Go to market with it. Grow and scale your team sustainably. Build features with the greatest positive impact on the greatest number of people first.

 

9) Iterate and improve continuously and quickly as you learn from customers what is working and what's not. Sign up for AppSumo to get all sorts of awesome freebies and huge discounts on things that help you build and acale and measure and improve your business.

 

10) Enjoy the wild ride! Keep at it long enough until you're hitting deadlines and sales targets or until you see no way forward. Be flexible and pivot as necessary when you learn better what customers really want (and what they don't). Change is the only constant and many days, you'll be putting out fires before you can get substantive work done.

 

All the best of luck and I'll be rooting for you!

***DISCLAIMER***: No mention of a product or site should be construed as an endorsement thereof. The writer receives no commission or other financial incentive from any of the sites, products or businesses mentioned herein. Use at your own risk and as always, use your own judgment and discretion. Nothing in the post above should be construed as legal or financial advice. Consult a licensed attorney or financial specialist for appropriate counsel.

Are there other great free or inexpensive tools you’ve used to start a successful business? Please share them with the Community in Comments below. We’d love to hear from you!

– –

Like what you see? Visit BlueprintToThrive.com for more great strategies and tips for better health and wealth, plus improved productivity.

Follow us @Blueprint2Thriv

Yuri Kruman is a Healthcare Product Manager, published author, blogger at BlueprintToThrive.com and health tech entrepreneur based in New York.

*The views expressed herein are his own*

21 Toxic Thoughts Keeping You In a Rut (and How To Overcome Them)

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We've all been there before. Nothing is working and you feel like crap about yourself. Everything's hopeless, so it seems. It looks impossible to get ahead. All people suck. I have bad luck. I never get a break. You know the deal.
Maybe you were just born a pessimist. Maybe your life's been hard, so far - maybe quite hard, indeed. Maybe your father beat you or your mother had to work odd hours. Maybe you had to immigrate, escape oppression in your mother country. Maybe you didn't have much of a childhood 'cuz you had to hustle early, all the time.
Maybe you simply took a risk and failed. Maybe a second or a third time - or the tenth. Maybe you just got fired last week. Maybe somebody cheated you or lied to get your money or your time. Maybe you're gun-shy now, expecting to be disappointed.
Maybe your girlfriend or your boyfriend left you. Maybe you're out of money and you lost your job. Maybe you have a family and bills to pay - and awful student loans. Maybe you don't know what to do in life. Maybe you're feeling stuck and want to scream your lungs out at the world.
You're dazed, confused and pissed. How could this happen to me, of all people? What did I do? I don't deserve thisI'm a decent human being.
You get into a funk. You start to think all sorts of toxic thoughts about yourself and other people and about your life. You can't see a way out. You get depressed and start to think of awful, morbid things.
After a while, you just get really sick of all your baggage and your negativity and want to live. Not only that, but now you want to make up for lost time, get cured and better, get your stuff together, not survive, but thrive. You really want to rid yourself of toxic thoughts and get on moving forward in your life. Easier said than done, but the first step is always to acknowledge what the problems are.
Before you rush to read about increasing productivity and better health, about the newest tips from rich entrepreneurs and wisdom from the new-age gurus who work little and rake in a ton, look inward. There's a world of hurt and pain.
There is a black box in your mind that's full of awful scripts (from childhood and from family, from life experience and friends) that play inside your head reliably when faced with all the situations that have stressed you in the past.
Before you can improve your life consistently, you must clean house.
These are the thoughts that hold you back, whether because you're poor, depressed, because you've failed some tests in life, because you see yourself as damaged, less than perfect, if not worse:
1) "Beggars can't be choosers." "I can't afford to say no to [crap job / boss / a deal you can't refuse]." Dead wrong. Your time is just as valuable as a wealthy or successful person's time. Your health is just as valuable as anyone else's. What you do with your precious time and money and mental resources is critically important and must be chosen carefully. This means saying no a lot and choosing very carefully how you spend your days and dollars. When you start valuing your time and money, others will start valuing them, as well. That's exactly how you can increase your value instantly in the eyes of employers, potential mates, business partners, investors, etc.
Beggars MUST be choosers even more than wealthy people. They have less room for error if they want to make it out of their rut.
2) "I'll spend a little today because I don't know how bad tomorrow might be." This is a sure-fire recipe for financial disaster and a series of other problems to follow. Yes, you should reward yourself for small wins to stay motivated. But, when you spend money without a clear sense of how much you take in and how much you pay out (budgeting), as well as without having clear financial goals (more than just making it to the next paycheck - saving for retirement, buying a house, going on vacation, paying for your kids' college, etc.), you will end up broke, depressed and worse. Instant gratification is incredibly expensive in the end. Learn to postpone gratification, seek meaning and great experiences above material things. Your reward will be much greater than anything you can buy now.
3) "I have the worst luck of anyone I know." You're alive and well. You live in a free country with relatively no oppression. You have opportunities to work, make money, go to school, get married to whom you want and raise your kids how you want. There are hundreds of millions of people living under oppressive regimes, starving and/or without an opportunity. Stop complaining about your bad luck. Stop making the same mistakes by learning from them. Work on being resilient and pivoting quickly to improve what you do and how you do it. Iterate quickly.
4) "Whatever little money I have isn't enough for saving, investing, or planning for the future. I just get by." This simply isn't true, no matter how tight your money situation is. There are almost always ways you haven't considered to save money by optimizing your monthly purchasing and also to take in more income than you have now.
Saving money goes beyond shopping in bulk to price-comparing online and through relevant apps, knowing the best time in the year when to buy big-ticket items (cars, houses, TVs, etc.). This also includes careful budgeting and saving, setting financial goals and investing wisely.
Extra income can be had from using your car to become an Uber or Lyft driver, using your foreign language skills to translate, writing and proofreading essays for others, earning money by helping people move, babysit, assemble furniture (on TaskRabbit, for example), reviewing social media feeds, doing surveys, etc.
5) "I'll cut out my indulgences will save my finances." Cutting out lattes or cigarettes doesn't replace careful financial planning. If you have no clue what you take in and what you pay out each month, then making yourself miserable by cutting out indulgences won't make your finances any better. It's much more constructive to make a sustainable monthly budget to include your indulgences than to assume that cutting something out from your spending will make a real difference in the long run.
6) "Sounds good. Sign me up. I'll read the fine print later." Congratulations! You just signed up for a nightmare in exchange for a trinket. If you have no clear idea of what you're signing, what each term means to you in terms of rights, obligations, timing and payment, then you may have just exposed yourself to a world of pain, if you have second thoughts.
ALWAYS do your research and due diligence on the counter-party of the contract and on the terms of the actual contract. It will give you peace of mind and protect you from a lot of problems down the road.
Are they well known, reliable and in business long enough? What do others say about dealing with them? Are they accredited with the relevant bodies? Are they registered with the Better Business Bureau or something similar. Are they solvent? Ask for references and speak to the references, recommended and otherwise.
Regarding the terms of the actual contract, always know the price involved - up front and altogether, your rights and obligations and protections (for example, a warranty), plus the rights and obligations and protections of the other side.
7) "I can't trust anyone in this world except myself." This is a deadly cocktail of pride, arrogance and false self-sufficiency that has to go. There is always someone you can trust in your life - whether your family, your friends, your colleagues or at least people you hire through trusted sources.
Don't trust anyone automatically - trust is earned, after all - but also don't try to do everything by yourself. Do what you're best at on your own and outsource the rest to professionals.
8) "I can just 'feel' if someone is a good person and I can trust him or her." See 6 above. Put emotions aside. ALWAYS read the fine print. ALWAYS do thorough research / due diligence on your potential mate, business partner, person who wants your money and someone whose money you want. NEVER presume anything, either for the bad or the good.
9) "I'm a nice guy / girl and do lots of nice things for other people. They owe me." NOBODY owes you ANYTHING in life except by contract, law or religious precept that you both subscribe to. If you want the other person to actually owe you something, put it in writing as a contract. Don't obligate someone to do something for you through guilt. Offer something to a stranger long before asking him or her for something. Ask for a job, receive advice. Ask for advice, sometimes get a job.
10) "Only a miracle can save me. Nobody has it half as bad as me in life." Relying on miracles denies you of the agency to save yourself and also assumes you have no way out of your situation, both of which are false. Step outside of your situation. Understand that there have been many people who've lived through the same and worse - and lived to tell about it. Find how they've solved the same problems effectively and apply the same techniques to your own life. Take baby steps. Make a plan and break it down to small digestible bites. Start small. Be patient with yourself. Rely on yourself as the only person who can bring you out of your situation.
11) "Finding good help for my problems is out of my price range." Have you ever heard that the best things in life are free? Thanks to the internet and market economics, amazing (free or inexpensive) resources exist online and in person for helping you out of your rut.
Research how others have solved the same problems as yourself. Find forums discussing your issues. Download free apps and other tools to help you organize, plan, execute and analyze your performance. Seek out people and ask for advice - you'll be shocked how willing and happy many people are to help you solve your problems.
12) "People can read all my problems and weaknesses in my face. Why should I bother pretending to be someone I'm not?" Work on making yourself look tougher and more resilient. Ask for honest feedback from loved ones and friends about what impression you give. Learn to talk / psych yourself into a good mood, into confidence before interviews and negotiations. Work on improving your posture and your expression when speaking to others. Finally, build on your strengths and always remind yourself of what they are before interviews, negotiations, dates and other interactions with people. Fake it 'til you make it. Focus and you'll get there!
13) "Nobody ever wants to give me a chance." Make your own chance. For example, if nobody will publish your writing, self-publish or blog it and spread the word through your networks. Build a fan-base for your work. Build your networks in person (invite friends over and have them bring new friends to introduce) and on LinkedIN through shared interests.
Learn to provide value to people long before asking them for something in return. Never take no for an answer. Keep trying again for the same job / company and don't take rejection personally. Grow some cojones, become resilient and move forward, even if it's one small step at a time.
14) "Nobody cares enough about me to help." You don't care enough yourself to ask for help when you most need it. There's absolutely nothing shameful in wanting to better your existence and your family's situation.
15) "I don't know what to do with my life. I don't know what I'm good at." Try doing things you enjoy doing that can also bring in some income. Find a way to deliver value doing what you love and you'll find what to do in your life. It's always better to have backup options (the day job) that will at least interest you and help you reach your other goals.
If you don't know what you're good at, then you need to try doing things that fit your personality and make you feel good about yourself and those you're working with. When you enjoy the actions that make up your work and the people with whom you work, you are already ahead of four-fifths of all people in the workforce. When you can make your job into a paying vocation, you'll have found a job that contributes to your mission and purpose in life - and can help you sustain both.
16) "My Health can wait. I have to make money first." Without health, there is no work and no money, either. Your health always comes first - before your boss's demands, your bonus for working overtime and that expensive car you want to buy. Always look out for #1. You're not made of steel or immortal. All your bad life choices will come back to bite you in the behind, sooner than you think. Stay healthy, eat well, exercise and relieve stress safely and effectively on a regular basis.
17) "Either I do exactly what I want in life or it's not worth it." True wisdom is learning from every man and woman you meet, from every job you take and every single experience you go through. The journey is more important than the destination. Also, when you pay attention to the journey, you will arrive much wiser and better prepared at the destination.
18) "Rich people are always born with a leg up. My family is poor and I have no hope of catching up." How many rags-to-riches stories do you need to hear? Stop complaining and get to work! Rome wasn't built in a day. Because you're poor, you're already super hungry to succeed. Now learn the lessons from others who have done it (read lots of their books and posts, talk to people you admire) and apply them to move forward at least a little every day.
19) "I'm not cut out to be [productive / rich / successful / a professional]. 90% of your success, productivity, professionalism and wealth are directly correlated to your having a mission and purpose in life, getting organized, planning the steps to reach your goals and executing on those plans, step by small step. Rome wasn't built in a day and neither is success, productivity or wealth.
Learn from the best by reading their books and articles and doing as they do. Find the best tools available for free or cheap and make using them part of your routine. Organize your daily routine carefully and be consistent every day. Meditate and reflect constantly on your progress in life toward becoming the person, professional and human being you want to be. Learn to think like a professional, wealthy, productive and successful person. Emulate until you make it.
20) "I don't have any connections. I don't know anyone important." First of all, you do or someone you know definitely does. Your biggest non-internal asset to today is your network size and how well you can leverage it to achieve your goals. Get out of your shell, read up on how to build and maintain networks effectively and execute on that strategy to grow. The more people you have in your network, the easier it is to grow it. Start ASAP, if you haven't already.
21) "I can't negotiate in this case. This is just not something that's negotiable." Everything is negotiable. Salary and benefits and responsibilities are all negotiable. Prices for goods and services are always negotiable, no matter what anyone says. So negotiate! Learn from the best, start with small items in bulk and work your way up to bigger and more expensive items.
Know the sales commission cycle for the item you want to buy (month-end and quarter-end quotas for salespeople mean that the best time to buy certain items is at the end of the month and quarter). Know when certain items are in season or not. Negotiate for larger item discounts out of season. Negotiate better terms. Be creative with what you offer in return for a discount. Offer free publicity for their product or a partnership for providing you the product for free.
--
Now that you're more aware of all the toxic junk that's clogging up your mental energy, get working on resolving it, cleaning it out. Get therapy, if needed. Once you decide to change and start to work hard, there's no looking back.
I'm rooting for you. You'll do very well.

Are there other toxic thoughts you’ve learned to cut out on the road to becoming successful in what you do? Please share them with the Community in Comments below. We’d love to hear from you!

– –

Like what you see? Visit BlueprintToThrive.com for more great strategies and tips for better health and wealth, plus improved productivity.

Follow us @Blueprint2Thriv

Yuri Kruman is a Healthcare Product Manager, published author, blogger at BlueprintToThrive.com and health tech entrepreneur based in New York.

*The views expressed herein are his own*

How to Think Like an Immigrant To Get Ahead of The Curve

DeathtoStock_NotStock (Ed. Note: This post is dedicated to my amazing mother, Inna Kruman, who has endured tremendous hardships and sacrificed a great deal for her children's success - and still managed to "make it" in America despite staggering odds. I take my metaphoric hat off to her and thank her to no end. This is her story as much as it is mine.)

It is no secret that America's success is tied in many ways to the success of immigrants. Placed squarely in a system that rewards the hustle, many have succeeded - well beyond their wildest dreams back home.

Every successive wave of immigrants has brought its own inventiveness and chutzpah, language, culture and a way of thinking - and of doing things - in other words, its own mentality of immigrants.

Partly because of luck (ability to enter the U.S. and then to be protected by its Constitution, then the fact of living in a time when information flows so easily) and partly due to pluck (work ethic, knowing what you're working for, a challenger's mentality), new immigrants have been successful in so many spheres - yet more and more, with time.

Look at the founders of top startups, the top financiers, consultants, lawyers, politicians and musicians, academics. Increasing numbers of the most successful people in America were born abroad or here to parents born abroad - whether from India and China or Korea, Russia, Israel, Nigeria and France. The list goes on and on.

If we discount specifics of their origins and cultures, we can find the fuel, the fire, the *thing* (or things) that makes these people tick and break through barriers, time after time.

Being an immigrant myself - and yet, quite thoroughly American, at once - I've thought and read a lot about X-factors that all others - not just immigrants - can use to get ahead.

From what I've seen it isn't origin or nationality, religion, gender, even education level that can answer for this great effect.

Let's ask the questions that so many immigrants have answered for themselves in order to become successful here (and likewise elsewhere in the world):

1) Why did you come here, in the first place? What were you running from back home? Repression? Death? High taxes? Lack of opportunity?

The answer for the great majority of us - whether born elsewhere or in the U.S. - is some or all of the above. You're here because of opportunity, because of freedoms - reasons that are clear and stark. Streets may not quite be paved in gold here - and it's getting even harder just to "make it" - but it's still much better than alternatives.

When you're escaping from regimes that want to kill, repress you or just take away your chances to develop as a human and professional, you know exactly what you're working for and why. It could be to feed your family or to get an education and to do exactly what you want to do in life. It could be wanting just to be yourself, to make life better for your kids, to start a business or to make a differenceYou have a purpose and a mission and the energy to follow through.

Failure is very costly and you can't give up. Alternatives are very scary. Your family, your life depend on your success.

Lesson: A sense of urgency and limited alternatives are key to immigrant mentality. It means being traumatized by parents' worries, but it also means you'll give it everything you have to "make it." Figure out what your purpose and mission in life are and apply all your energy to pursuing them!

2) What kind of problems have you had to solve while growing up? Were you the head translator for the family? Chief earner? Troubleshooter? The family's guide to how "The System" works? Did you start working early, as a kid? Were you negotiating constantly because your funds were low? What did you have to sell to stay afloat (let's hope not organs)? What sort of hustle did you have to run?

When you have had to solve hard problems since your childhood, you're not daunted easily. Whether it's problems of logistics, lack of money, human conflicts or the other issues you'll inevitably face, you will break through or go around walls other find too high.

Lesson: Take on challenges you think are too hard. Push yourself out of your comfort zone with people, the job you do, the things you're willing to do to broaden your experiences (travel, take on internships in other fields). In short, take risks and don't follow the straight path (if you have the luxury of not breaking your bank or starving your family, in the process).

3) What motivated you when growing up - and what remains of that to motivate you 'til today? Was it a simple goal - to go to college - or to make more than your parents or the trappings of great wealth? How hungry were you growing up to be like all the "real Americans" - or otherwise, like rich, successful people where you came from? How hungry were you to escape your circumstances - poverty or lack of education or a lack of access? Are you an optimist by nature? Do you push forward because looking back is not an option?

Lesson: What drives you in childhood will generally drive you well into adulthood. If you weren't driven as a kid, find your passion, mission and purpose in life by learning from others, learning about yourself and trying different things (and taking calculated risks to do so). Once you know where you're going and why, you will be driven to succeed all the more.

4) What was your style of work in childhood? After you learned to put out fires through fast wits, how quickly did you learn to plan and save and manage people? What gets you through life as a kid may be either incredibly helpful as maturity or incredibly hurtful as delusion when you hit adulthood.

Lesson: If you were lazy as a kid, you were probably just coasting along on your intelligence alone. If you were a hard worker then, you always will be. A work ethic is something you can gain once you go through the difficult process of finding purpose in life, a mission and the means to achieve it.

Everyone has the energy and work ethic inside them to succeed. Intelligence (as opposed to, and in concert with "street smarts") can be gained in the process, at least enough thereof to be successful.

Street smarts is in many ways more valuable than intelligence, if you're doing anything that involves business and selling (and the great majority of professions and daily transactions today do just that, whether directly to customers or to bosses, employees, etc.) All of us have no choice but to Always Be Selling. 

5) How hungry are you always to be learning? Maybe your love of learning is inborn. Was it a hunger that you've always had or because your parents pushed it? Likely both. Because you're hungry to learn and get better and get up out of the metaphorical ditch where you grew up, you will outlast, outwit, out-learn - and most importantly, outwork - the other guy who didn't grow up with the same "stimulus." You'll feel like the underdog at least until you "make it" to where you want to be - and likely for the rest of your life, on some level.

Lesson: If you weren't born with that hunger, DEVELOP IT! Every person wants to succeed and be the best at something and has that capability deep inside. Develop a hunger by listening to, reading about and imitating others that have it. Fake it until you make it. Or better, work hard, stay hungry and achieve your potential (without worrying so much about opponents or those who've doubted you, etc.)

6) Did your parents invest everything in you, so your life can be better than theirs? You have to pay it back by taking care of them AND pay it forward to your kids. That means you feel the pressure and inherited neuroses. But yet, it also means you're grateful and will get somewhere - or else, you'll feel you have betrayed the sacrifices made for you.

Lesson: If others haven't invested so much in you (and of course, someone has invested in you along the way or you wouldn't be alive today), Invest In Yourself. Value your time and energy. Filter what goes in and out of your body (specifically your mouth) and mind. Resources and time are finite. Invest in yourself by always learning new things, taking care of yourself and by focusing your efforts on the most important people and goals in life.

7) Are you used to looking for loopholes or dealing with discrimination against you? Are you used to having to get around barriers set up to trip you and make you fail? Think Soviet Russia, Commie China, corrupt India.

Lesson: When faced with adversity, you learn that no barrier is too high, no system is too corrupt, no repression too strong to hold you back from achieving your goals. The chip on your shoulder trains you to move mountains by habit. When you have to do this in a (relatively more fair and just) system like the U.S., you will go that much farther and faster than those without that resilience.

In addition, when it comes to innovating and seeing things from a different angle and with different eyes, your ingenuity in getting around discrimination and the selective rule of law will help you a great deal to see connections between people and systems others can't. It's a great asset. To develop this, craft your career as a HYBRID. Work in different industries, constantly learn new things from other disciplines, meet new people from different backgrounds, write down your ideas constantly and find relationships between your ideas and others'.  

8) Were your earlier failures and hard knocks traumatic for you or your family? Have you had to risk a lot and failed and had to face the serious consequences? You've learned to take calculated risks, to think and plan things through very carefully, to make the best of very little time and money. This will help you "see around corners" and help you avoid and minimize mistakes in business and in life.

Lesson: If you were always careful to avoid risks, cultivate yourself to take calculated risks. There are times in life when you have to go for broke, but even if you do, you should always maintain safeguards to avoid losing everything in your life. If you were always a risk taker, cool your heels. In Russia, we say, the slower you go, the farther you'll get

9) Were you frustrated when young by others being unable to understand you or where you're coming from? Did you desperately want to be understood and liked? Then you likely learned how to speak clearly and get across just the message you wanted and nothing more and nothing less.

Lesson: Know your audience at all times and tailor your message accordingly to be understood. This applies equally to all people and all contexts. If you know how to communicate with people - both in speaking and in writing, plus non-verbal cues, you will be golden.

9) Did you have to learn to negotiate early, out of necessity? Negotiate cheaper prices, faster service, for fees to be taken off, to push forward and not be deterred by a-holes?

Lesson: Don't take limits others set before you as gospel. You can always negotiate - and get past those limits AND WIN! If you don't ask, the answer is always no. (And you'll be shocked how often the answer is yes). Even if you're shy, practice negotiating at a market for something small in large volumes.

10) Did you value experiences and people more than material things - because you had few material things, to begin with? Did you have to forgo spending money on entertainment or travel or a car or a house to save up to pay for college or to start a business or to feed your family? If so, you already know that experiences and people are more important than material things can ever be. Money certainly CAN buy many conveniences - including time - but it can't buy taste, happiness (beyond basic necessities and the comfort of not worrying constantly about finances), sincerity, true friendship, love or loyalty.

Lesson: Seek great experiences and surround yourself with great people in your life. Seek meaning, not happiness.

11) Did you have lots of nasty surprises growing up - whether financial, cultural, social, legal, etc.? Did you not fit in, in school? Did you look and sound different from other kids? Did you get harassed just for being who you are? Did you have to deal with sudden money shocks? A flooded house? A broken car? Well, then you know that you can't worry about things you can't control.

Lesson: Work on what you can control - how you speak, how you look, what you know, what people you associate with, what you eat and drink and listen to and look at.

Don't sweat bad weather, traffic, a-holes at your job or angry customers or when the IRS says "pay more taxes" and the like. Life is too short and stressful to be adding nonsense to your busy mind and schedule.

12) Were you taught early on that nothing is beneath you? Your family may have been something truly special back at home, but here, it is All Hands On Deck. 

Were you the one who got assigned the chores of dishes, trash, mowing the lawn, watering trees and plants, going for groceries, proof-reading and researching and so on? Your family may have been rich sometime ago, but now you're here. You have no servants or house help. You ARE the servant and house help. You can't outsource the tasks. You don't get paid - it's just your duty and your payment for the food and drink and electricity that you enjoy.

Yours and family's merits back at home now mean quite nothing. Because you are not squeamish to roll up your sleeves and work, you'll make a grateful and efficient worker and absorb the lessons quickly and MOVE ON. You will have empathy for others coming up behind you - you'll have been there, in their shoes. But then you'll also know why you are going through the hard times - to afford the help, to make life better for your family and self. At least you know you're in a place that values work and industry and gives you chances to succeed.

Lesson: Be self-sufficient to your best ability. Learn to rely on #1 before you ask for help. Be grateful for all things that come your way - both good and bad, the difficult and easy. Learn your lessons quickly and move on. Do not get stuck. Don't dwell on failure or your "circumstances." These always can get worse or better. The good part is, you can change them for yourself. Back in the mother country, you would likely have no choice - or chance.

So make the coffee by yourself and sweep the floors and clean the toilets now. When kids come, you'll be grateful that you know to GSD (that's Get Sh*t Done).

13) Have you had to learn another language and culture on the fly? Have you had to learn to understand, think and speak like people with whom you didn't have much at all in common then? Well, you've been changed for the better by the experience. You've had to open your mind, expand your horizons, gain empathy for others and take roads you never thought you'd travel in life. It's made you stronger, more resilient and confident in your worldview.

Lesson: learn other languages and cultures. Travel and live in other countries for a while. You will gain wisdom and understanding of others that will give you great friendships and unique insights into others, as well as teach you different approaches to a fulfilling life and success in business. 

Knowing another language (or 2 or 5) will serve you in amazingly useful ways throughout life.

Now go forth and hustle like an FOB immigrant! Approach life with that same zest and humility and optimism! You'll be SO glad you did!

Are there other important lessons you’ve learned about becoming successful from being an immigrant in America? Please share them with the Community in Comments below. We’d love to hear from you!

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Like what you see? Visit BlueprintToThrive.com for more great strategies and tips for better health and wealth, plus improved productivity.

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Yuri Kruman is a Healthcare Product Manager, published author, blogger at BlueprintToThrive.com and health tech entrepreneur based in New York.

*The views expressed herein are his own*

How To Decide If You Want to Work In a Startup (or Stay Corporate)

DeathtoStock_NotStock5 How To Decide If You Want to Work In a Startup (or Stay Corporate)

Many of us have been there. Tired of the boring job at a large company, resigned to being ten levels under management with no room to grow, running in place, not growing as a human being. We start to daydream - what if I was a Startup Guy or Startup Girl?

Immediately, we think of airy lofts and open floor plans, tons of snacks, open vacation, equity, being buddy-buddy with the founders, helping build an awesome product that will change the world, etc. We talk to friends who work at startups and they seem so driven and excited all the time. I want my freedom! Screw this corporate crap!

Now, back to earth. Just like in any other company, a startup job can be amazingly rewarding - or pure hell.

Here's what to look for when you think of jumping to a startup:

1) How do you look at risk? Is it excitement for you or a heart attack? Are you gung-ho about new challenges and run with them and own the problem or are you used to doing what you're told?

Frankly, can you survive if suddenly, the company goes under or the job doesn't work out? What if your job description changes drastically? How flexible are you to go get coffee/donuts, even if you're high in management? If suddenly the founders need to pivot or to cut the workforce, it could be a sudden shock.

If you're ok financially and otherwise with this scenario, then it could be for you. Don't take the startup gig it if you can't take the sudden changes in direction, moving quickly, daily shifts in mood and job description. 

2) How do you work? Are you methodical and thorough, harping on every detail to perfection? Then stay away.

Or are you of the 80/20 mindset, focusing on things of greatest impact first and then the rest? This might be for you.

Do you take ownership or do you always defer to others? If it's the first, then you might be a Startup Guy or Girl.

3) What is your learning style? Do you learn best by doing or through books and manuals and specialized trainings? A startup job will often have you doing things well outside of your comfort zone (what you learned in college, what you did in previous jobs, etc.) If learning things by doing is your forte, working for a startup might just be the thing for you.

4) What sort of people push you toward doing your best work? If you're not used to Type A, crazy people cracking whips around you, you will not enjoy it. Startups are different, but their founders tend toward having a very strong vision and a mission. If you're not in line, then often, you'll be yelled at, overruled or sidelined.

5) How stable is the company, especially its finances? Have the founders built companies previously? Have they worked successfully as a team before? How much does the company have in the bank (runway/burn) to achieve its mission and how well is this money being managed?

6) How do you get along with the founder(s) and the team you would work with? Make sure to take the beer test, ask detailed questions and OBSERVE their behavior, above all. If you don't like how people treat each other or how they react to stress (ask!) or other aspects of the culture, then it will wear you down and burn you out. Is the startup full of mature adults or a bunch of bros? It often depends on your function. FInance will be quite conservative and experienced people, whereas the Product Team and Devs will often be 20-something hipsters or bros. Know with which teams and people you would be working and make sure to meet them and estimate how well you can work with them.

7) Where can you grow in your role? Up or out? Don't settle for vague answers from founders. If you're a Product Manager, you will want to grow into a Director of Product Management, for example. If you're an account manager, you may want to become a Sales Director down the line. Be clear in where you want to go and that the founders and management know it and are on board with helping you reach your goals.

8) What is the company's mission and how closely aligned with it is the vision and the execution? Why do you want to work for a startup? Is it because you identify with the mission or because you're after the equity? Don't be seduced by wanting to "change the world" or the Perk Trap or "moving fast and breaking shit."

The work is often insanely hard and the hours beyond crazy. Equity almost always vests after a year and even then may not be worth anything. Too many free snacks make you fat and sick. You can't actually take as much vacation as you want (you'll be fired immediately when you try). Most of what you do will not come close to changing the world. You may want to move fast and break stuff, but there are always constraints like money and hours in the day and personality conflicts.

9) How happy will you be just to lay out your everything on the line for the company and learn as much as you can and work with super-smart people on an important problem (unless you're building yet another video or chat app) and then walk away? In the end, this is by far the greatest benefit, unless you actually build something world-changing, your equity actually vests and is actually worth something.

10) Does your family situation give you breathing room to work for a startup? If you're a single, urban 20-something, you have little to lose except sleep and hair and life enjoyment. You'll be fine. If you have a family and commitments, then it may not be the best bet to work for a startup, given the insane hours and constant stress and often unpredictable schedule. It takes a toll on you because you live your job (or you lose it).

In the end, there is no magic formula for whether it makes sense for you to take the plunge. An overwhelming number of startups fail each year. Nobody but you can decide what lifestyle you want or what skills you want to learn, with what people to work or what your mission in life is.

That said, if you are lucky to find a startup job that aligns with your mission and values and gets you in the door, working with amazingly smart people on an important problem with money and a great team behind you, ABSOLUTELY GO FOR IT!

Your life will never be the same and despite the hellish stress, it will open a wealth of opportunities for you. Just know, the startup journey ain't for the faint of heart.

Are there other factors you've found important in deciding whether to jump to a startup? Tell us in the Comments below. We would love to hear from you.

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Follow us @Blueprint2Thriv

Yuri Kruman is a Healthcare Product Manager, published author, blogger at BlueprintToThrive.com and health tech entrepreneur based in New York.

*The views expressed herein are his own*

Want To Ditch The Job You Have And Work For A Startup? Here's How

Amen to that, right? http://m.fastcompany.com/3020677/dialed/want-to-ditch-the-job-you-have-and-work-for-a-startup-heres-how?utm_source=facebook

Start Discovery With the "Give a Crap" Question

The most important question for founders should be the most straight forward, yet the vast majority fail to ask it first: Start Discovery With the "Give a Crap" Question

http://www.linkedin.com/today/post/article/20131017154131-7979133-start-discovery-with-the-give-a-crap-question

50 Best Business Apps of 2013

Business Insider http://www.businessinsider.com/50-best-business-apps-2013-8/business-productivity-1

25 Things I've Learned About Life

Agree with each one of these wholeheartedly. 25 Things I've Learned About Life

http://startuplife.quora.com/25-Things-Ive-Learned-About-Life?srid=ihVw&share=1

Can You Run Your Business Purely From Your Smartphone?

A worthy practical question to ask, now that smartphones are so robust: Can You Run Your Business Purely From Your Smartphone?

http://bit.ly/1dkRDZ3

Do You Have What It Takes To Be An Entrepreneur?

It's CERTAINLY not for everyone... http://www.learnvest.com/2013/08/do-you-have-what-it-takes-to-be-entrepreneurial/?utm_source=email&utm_medium=internal&utm_campaign=Friday%20One%20Daily%202013-08-16

The Ultimate Guide to Starting and Running a Business

Unbelievably good and thorough and humorous and to the point (Altucher at his best): http://jamesaltucher.quora.com/The-Ultimate-Cheat-Sheet-For-Starting-And-Running-A-Business