6 Simple and Powerful Tips for Successful Salary Negotiation

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As the year's end approaches, so does your review. If you're like most, you're dreading having "the talk" with your boss. You know you're underpaid (especially if you're a woman). You feel the cards are stacked against you, even though you're good at what you do. The job market looks so-so. You're not in the role for long enough. You have no stomach for these things. You have a family to feed and bills to pay. It's not your personality to bargain.

All of a sudden, you are sweating just from thinking. Worry not. All that you need is... PREPARATION (and a glass of wine).

Negotiation isn't some black magic. There's an established process and a language and demeanor that it takes. All can be learned without extraordinary effort.

Negotiation takes good acting. If you're convincing, then you get the thing(s) you're asking for - the role, a raise, then maybe glory. So practice, practice, practice with a friend - or better, with a coach. If needed, fake it 'til you make it.

1. Know what you're worth.

Research Glassdoor.com, Salary.com, industry databases, premium job listings on LinkedIN and other places for how much your position gets paid within your company and by its competitors. Know the industry averages for the same years of experience, education and accomplishments.

Come armed with figures and specifics of what you've delivered since the last review. Know how this compares with the others on the team and in the company. Research what salary, bonus, benefits, etc. you could command in another similar company, perhaps a competitor. Speak to recruiters about similar positions elsewhere to get this information. This process will give you the confidence to ask for what you are really worth. If you're underpaid, you will know what you need to ask for to catch up to where you should be.

Always ask for a specific number ($10K, $20K, whatever it may be that you expect), not just "a raise."

2. Understand the full impact of NOT negotiating. Then start negotiating EVERYTHING.

Missing out on a raise of $10K in your first job out of college can mean missing out on $500K over a lifetime of working just as hard. Conversely, a $10K raise in that first job out can mean earning a whole house-worth, 10 cars-worth, 100 trips abroad-worth or even more, when you compound the interest.

Understand clearly - it's ALWAYS a big deal when you negotiate. It's important the first time and EVERY time.

Practice a Negotiation Mindset with no - or low - stakes.

Bargain for cheaper apples in bulk at the farmer's market. Negotiate a 10% discount at your favorite coffee shop. Go to a Middle Eastern market and bargain hard for every item you buy (it's expected and encouraged there).

With every win, your confidence will only rise to do the same at work.

3. Know the rules. Then push the envelope.

Is your company a startup (especially one that just raised a round of funding?) or is it a large corporation? Startup founders generally have much more discretion to give discretionary raises and bonuses. Corporations often have hard and fast rules around compensation, but even these are very often negotiable.

Ask HR, your team leader or anyone else knowledgeable about internal compensation guidelines. For example, is the yearly raise capped at 3% for next year? Do top performers in the company get a target bonus of 20%? Are bonuses performance-based (fixed at a certain percent) or discretionary to your manager or CEO?

Check your signed offer letter when you joined the company, if it's within the last fiscal year. If something isn't specifically spelled out as a fixed percentage or number (and often, even when it is), then it's always negotiable. Make sure to ask a reputable source, not just listen to internal gossip.

4. Be creative. Salary's not nearly everything.

In case you didn't know, your benefits constitute up to 30% of your total compensation. Health insurance alone can cost upwards of $15K per year for you and your family. How about your cell phone ($1,200 a year)? How about commuter costs ($1,300 in New York for a year of monthly Metrocards). How about a pre-filled FSA to spend as you wish? How about a 401(k) match? Extra vacation days?

Don't get stuck on the numbers for salary and bonus. If they can't raise either of those, push for other things to be covered or paid for. There is sometimes greater flexibility on this than on salary and bonus figures, which are often pre-set by band and performance review.

5. Make it easy for your boss to say yes.

Present your case clearly. Cite specific figures and accomplishments you've had in the past 6 months or year (ex.: negotiated a savings of $300K; brought on $100K of new business; saved the team 100 hours by automating an accounting process, etc).

Quote the average salaries for people in your position in the company, then at competitors and in the industry, at large. Ask for a specific number, title.

Always remain collaborative and friendly throughout the discussion. Never appear adversarial and make it clear this is the only time you're on the other side of the table. Yet, be firm and speak with conviction.

6. Negotiate on behalf of a group, not just yourself.

Are you part of a group of underpaid women at your company? Do you feel you've been passed over for promotions and raises unfairly in the past? Are you negotiating for your family's improved welfare? You are the leader of the cause, so take the mantle and run with it! You'll feel empowered.

When it comes to negotiation, the rule is simple: if you don't ask, the answer is always no. So always ask! You will be shocked how often people will negotiate - even your boss.

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Yuri Kruman is a healthcare entrepreneur, published author and blogger at BlueprintToThrive.com, based in New York.

8 Ways to Turn Your Guilt, Shame and Procrastination into Better Health, Finances and "Done."

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It was the best of times for productivity advice. It was the worst of times for productivity. Despite an endless stream of upbeat self-help books and articles, the great majority of us simply can't change our lives completely overnight. Gradual change is harder, but as always, necessary. There are no shortcuts, we are always told, but this is only partly true.

The algorithms that run our lives - from ingrained habits and routines to Google searches and our Facebook, Pinterest and LinkedIN feeds - have all been optimized and tinkered with by someone else. Remember when you had no email, Facebook or the news to check first thing when you woke up?

On top of the time wasted, there is always guilt and shame - and often awful stress - over procrastination, both at work and home. That's how decision-making and our productivity become so warped and clouded by reaction, not proactive thinking.

Before I got my act together in my twenties, I drifted for a good long while until the status quo became impossible to keep. I had to get my act together or risk losing what I had. The chaos had become impossible to manage. I started meditating everyday and taking better care of health, took pains to understand and learn to manage my finances. I broke the vicious cycle of perfectionism and disappointment over unfinished projects.

Here are the strategies I used to turn my negative emotions into high performance:

1) Lower the barriers to making decisions easily and gaining the habits to get things done. Each night, I would prepare my lunch and work clothes and the tools and conditions I needed for my mediation. This took away the need to make decisions in the morning, so I could get things done (eat better, meditate, get to work on time, etc.). This took the guilt and shame out of the equation.

2) Turn my guilt about letting others down into the habit of waking up early to meditate. I would be exhausted from the night before, but because I felt guilty about letting down the other guys in the synagogue that needed me to make 10 for morning services, I would drag myself up and go to pray with them each morning.

The fear of bad appearance meant maintaining an “expensive” look on a very limited budget. This turned into a Negotiation Mindset backed by budgeting, seeking better prices and negotiating big purchases. This forced me to overcome a fear of negotiation and led to multiple raises and better benefits at work, among many other financial and other rewards.

3) Make myself accountable to someone else (my wife, best friend, mother, etc.), using the shame of disappointment as a force for productivity. Before I met my wife, I was writing my first novel on and off for 5 years without much progress. When she told me, "finish or I'm out of here," it got done within a few months. My second novel was finished in 7 months because of a fellowship deadline.

4) Use my guilt about not eating well consistently (thanks, Mom!) or following through to create simple good habits for my diet. I set easy and clear conditions for myself. If I wanted to eat breakfast, first I'd have to pray/meditate. Then, in order to get to breakfast, I'd have to drink water first to start my digestion. Then, it turned into a glass of water before every meal and eventually other small, but critical changes for better digestion.

5) Channel my procrastination on Facebook and LinkedIN into set time windows during the day to read important industry trends and health, personal finance and productivity tips. Guilt over procrastination never diminished the amount of time I spent on social media. So, I filtered my news feeds to get rid of distracting, annoying and useless posts from "friends." I "liked" the FB and LinkedIN pages of publications and people and companies I actually wanted to read and left out all the rest. This way, when I would go in by habit, I would spend my time wisely and improve my life tangibly, even while “wasting time.”

6) Automate as many things as I can relating to good habits of health, personal finance and productivity. This meant leaving my phone in another room when having dinner with family and overnight, to get me awake and out of bed irreversibly. I automated 401(k) contributions to maximize the company match, my student loan payments (getting back a quarter point in interest charges) and monthly transfers into savings (Digit.co and my bank app), as well as credit card payments to take advantage of "you won't spend it if you don't see it," of credit card points and frequent flyer miles, cash back and other card perks.

I started using apps (Asana, Mint, Credit Karma) to check in each week to see my full professional and financial pictures. Most of all, I automated my Negotiation Mindset during purchases to save a lot of money and think more creatively about my partnerships with people and derive more benefit for family, my boss and others in my business and professional contexts.

7) Train my (quite rational) fear of appearing to be a hypocrite when criticizing others into making sure I was always (or as much as my flawed human nature allowed) on time, presentable and prepared, positive, on message, concise and in some way helpful to whomever I met. Since I hate it when people waste my time when they are late, unprepared, un-presentable, off-message, long-winded and unhelpful to me in any way, it made only perfect sense that I take care of all these things myself first.

8) Channel my laziness when it came to stopping to eat more healthy food during the week. Since I started being more religiously observant, I had to do a washing and prayer ritual before eating bread and then again after. Since I was too lazy to do this, I effectively eliminated bread from my diet during the week.

Now go and turn your fears into success! And if you're feeling really inspired, head on over here and here to learn how to start good habits and eliminate bad ones, once and for all. Start your journey up and forward today. Time's a wasting.

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

Are there other proven strategies you’ve used to channel your negative emotions into better health, wealth and productivity? Please share them with the Community in Comments below. We’d love to hear from you!

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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*

 

[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.

--

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*

[Lifehack.org post] This Is What Happens When You Disconnect For 24 Hours

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If you’re like me, you know it’s hard as anything, un-tethering yourself from your smartphone, iPad and laptop – first at work and then at home. Frankly, to disconnect can be tough as withdrawal (not kidding, folks). But hey, you know it’s hurting your relationships at home and work. People have told you to your face to stop. But you just can’t. There’s always something pulling you toward that Facebook feed, that Pinterest board, then CNN for news, then TMZ (ok, you’re on your own, if that’s the case). Then once again, a vicious cycle.

Today’s the day. You have decided to “forget” your phone and other electronics, leave them be and see what happens.

It isn’t easy, let me tell you, but the best thing that has happened to me since I started roughly 7 years ago. It gives me back a solid, memorable block of time with family and friends, to reconnect, reflect, recharge, restore my “default setting,” if you will. You see, when I was 25, I started keeping Sabbath – the Jewish Sabbath, in my case. Since then, it’s literally my religion to turn off my phone and all devices from sundown on Friday for 25 hours.

Here’s what I’ve learned.

1. Your mind will start to clear up from a fog.

Perhaps you can’t remember that last time you found yourself without a working phone or Wifi. Perhaps it was during a hike upstate, up in a plane somewhere or after drowning your iPhone. Sadly, it felt like wasted time. In fact, it was a golden opportunity you missed to rest, to write, reflect, to change things up, to feel more human.

Between the pull of business and the personal, between e-mail and fear of missing out, I’ll be the first to call myself a smartphone addict. However, when that sundown hits on Friday, I turn on “Do Not Disturb” and put the phone away. The endless whirl of tasks and people wanting my attention ceases. The constant pressure of my fear of wasting time begins to lift. My mind and thoughts turn to the Sabbath table, spending time with family. The simple act of eating – and enjoying dinner – with my wife and daughter, sometimes friends is wonderful and human and refreshing. Wine flows, we eat amazing food. Nobody’s in a rush somewhere. When someone asks you how you are, you really take the time to think, reflect and answer thoughtfully. You start remembering just how important family is, how precious your time is with them and friends.

2. You’ll get to infuse your life with novelty again.

The week is all about the auto-pilot. Wake up, then brush your teeth, jump in the subway, get to work, check email, send your updates, then have lunch, back out for coffee around 3 PM, then home at 5 (or later). Once you get home, its not long until you go to bed! And in between, you sneak in Facebook, Pinterest (and TMZ, G-d help you).

Saturday morning, I wake up whenever, no alarm. I spend the best time with my family, eating breakfast, catching up, playing with my daughter, reading a book I’ve long abandoned, a new magazine.

We see the people that we really like – people that like us back, invite us over often, plus new faces. One family gave birth this week, a son. Another’s kid is now engaged. Somebody else got honored at their job. We celebrate the good, reflect on bad things happening and try to make sense of them, leaving with actionable wisdom we can use throughout the week and year. We take a walk. There is a gorgeous garden on the way back home. Imagine everything you are missing in the world around you!

3. You’ll notice your senses will revive.

Being busy is easy throughout the week. The weekend can be packed, as well, visiting bars and restaurants, flea markets, brunch, whatever. That pull of being connected is still there. You still can’t focus on the awesome dish you ordered – here’s a text! The wine’s aroma is not quite the same – Mom’s calling!

The simple fact of being away from my devices makes me pause and focus on the food and drink and people right before me, their ideas, my own. I stop, reflect, try to make sense of all the madness going on around me. It puts the busy-ness to rest. Because I can’t be bothered by an email or call or buzz or ring, I start remembering the times when I was young and unconnected. This brings me back to NOW, not the next thing today, tomorrow or next week or month. I like the smell of coffee, tossing an idea around, maybe to read a book together with my daughter, horse around with funny faces, sounds, language constructions or whatever else just comes to mind.

4. You’ll see that time will start to slow down.

The Sabbath is no longer than another day. But when you step away and don’t let others push their emails and demands on you, the time just stretches.

Taking a day off from the rat race – and its long tentacles through technology – brings me back to my original, childhood state for a day. I can laugh and read books I like and have long conversations about things that are really interesting to me without feeling guilty that I’m wasting precious time. I pack so much into those daylight hours on Friday night and Saturday that it makes me wonder why the weekdays seem so short, in comparison.

5. You’ll have a fuller and more meaningful because of rest.

I can’t emphasize how critical taking one day off is for having a productive week. The rest of the week is that much more filled and productive because I can’t work and move things forward (except in my mind) on the Sabbath.

Since I’ve started keeping the Sabbath, the paradigm has flipped on its head. I don’t do Sabbath to make for a more fulfilling week. I do a fulfilling week so I can do the Sabbath properly. Because there’s seemingly less time when I have to take off a day, it makes me more eager to accomplish more during the rest of week  and I do!

6. You’ll forget the week’s stresses.

Hello, sleep! Byebye, red, tired eyes. Byebye, ADD. Byebye, guilt. Today, I rest and all of life’s stresses can go fly a kite. Maybe I’ll go fly a kite, myself!

In all seriousness, just taking a nap in the middle of the day after lunch can totally change your week by letting you catch up from those nights with too little sleep. It will really, truly recharge your batteries and give you amazing energy to tackle whatever your issues are with a renewed strength and resolve.

7. You’ll regain purpose in life and remember the reasons why you’re working like a dog through the rest of the week.

It’s not just for your career advancement, more money, more recognition, more stuff you can buy. It’s for your family, for humanity, for your growth and development as a human being. You have a mission in life – to improve the human condition in your particular, unique way. You want great experiences in your life, not just more stuff. A day off from the pressures of the outside world helps you to return to your roots as a human being – not just a cog in some machine.

8. You’ll have a chance to stop and understand what you’re doing wrong.

Without distractions from work or friends and family, you have a rare chance to do some soul-searching and understand what needs fixing. The acknowledgement and calling a spade, a spade is the first step to lasting change for the better.

How many times did I have a really bad week and then because of the Sabbath mindset, found a way to move the needle forward on one problem or another? Simply changing my routine a day often uncovered novel solutions or ideas from people I met or a new book or article I read – because I had time and opportunity for it. Breaking my routine and seeing my problems in a different light has been invaluable to transforming myself for the better.

9. You’ll notice improvement in physical and mental health.

Taking the time to cook dinner properly, being surrounded by people you love, ample sleep and real stress relief all have a measurable positive effect on your physical health and mental well-being. Unplugging helps me keep my sanity, focus better, get more down time, plus good food and time with people I enjoy. The rest is commentary.

10. You’ll be more likely to get to work on improving yourself.

This has a tangible difference in pushing you forward after the time you’ve had to rest, reflect and come in contact with new ideas, people and strategies for improvement. You’ll be like a lion rearing to go because you won’t want to go back to being the same person you were a day before. This is how you change things for the better, week after week, regardless of whatever setbacks the week brought you.

Featured photo credit: Death to the Stock Photo via deathtothestockphoto.us5.list-manage2.com

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

Are there other great strategies you’ve used to unplug? 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*

25 Things Failure Teaches You About Yourself and Others

KZNPS0PQL7 Failing sucks. Repeat failure is even worse. Yet, when you fail, you test your resilience, wits and sense of self-worth. Neither wins nor losses are ever complete. All things that appear as blessings have a dark side and those that appear to be curses always have a silver lining.

Failure is glorified among entrepreneurs as a rite of passage and loathed by big company types that value pedigree and conformity. Failure is neither something glorious nor the end of the world. It's just a matter of adaptation, resilience and constant improvement.

Admitting to failure (to yourself, and especially to others) is hell. But it's the kind of hell that builds character and moves you forward forcefully in life.

This post is not my personal failure porn. Suffice it to say that I have failed successfully in business and relationships, in career pursuits and in my art, alike, despite a few successes.

Every occurrence brings many lessons. No failure is a waste.

Here are the lessons I've learned in the process:

1) Learn to forgive yourself regularly in order to move on with life, even while promising yourself to make incremental progress every day. It's the only way forward. Only when you accept yourself as you are, will you be able to change for the better.

2) You are one incredibly resilient human being. You'll do tons of things you never thought you could, even if you fail. You'll always bounce back. Life is tough. Failure stings. But life goes on, lessons are learned.

3) Misery loves company. Doesn't mean you should go looking for the company of failures. But know that someone in this world has surely gone through a similar failure before and learned important lessons they used to succeed after that. Learn from others, use their experience as a springboard to improve yourself and your strategy and execution.

4) Nobody owes you a damned thing in this world (except by law, contract or religious decree). Be thankful for what you have and for what people are willing to do to help. Expect nothing. Everything you get is surplus.

5) The cup is always at least half full, even when you're parched, exhausted and at your wit's end. Otherwise, why even bother showing up again? No business or other endeavor is worth depression or worse. Life is the most precious thing, not what you do with it at any one moment or throughout.

6) Your failure is never complete and never as big as you imagine. Going through the process helps you learn how a business works, how to deal with people, what you're good at and where you suck, what are your limits and how far beyond them you can go. Take stock once you have fresh eyes and the sting of failure is much less harsh.

7) Mission trumps means. When you're driven by a mission and not by money or fame, you will take the long view. You will also value people and experiences are above money and what it can buy.

8) Successful people take calculated risks. Entrepreneurs are actually not crazy risk takers, but crazy like foxes with their spending and planning and hiring - actually very much risk-averse.

9) Telling a good story is your key to getting great jobs, meeting amazing people and having awesome experiences. Learn to write and speak well, above all else. But first, learn to tell a good story concisely and with your own flavor and personality.

10) When you do what you love and help people live more meaningful, richer lives (while ideally saving them time and/or money), the funds and recognition will come. Focus on building a good product to help people solve problems and improve their lives, no matter what you're actually doing in life, and the good stuff will follow. But always make sure to have a backup, in case your passion doesn't pay or doesn't have a market big enough to support you and your family.

11) Effective planning and preparation make or break your venture. Make both a habit, along with research and due diligence on potential friends, mates, business partners, associates, employees, etc. Otherwise, you'll only be screwing yourself.

12) The best things in life are free. Not just love and respect, for example, but great resources to improve your life, build a business from scratch, to improve the lives of others and to create and express yourself effectively. In our modern age, you never have an excuse of "circumstances," since there's always someone poorer, hungrier, less educated and more motivated than you to change the world - who's already doing it!

13) Never blame "circumstances" or other people for your failure. It's always a combination of things you could have done differently, wrong timing, lack of funds, wrong team and/or mis-used resourced. Blaming anyone (including yourself) is a waste of time and energy. Learn the lessons quickly and move on and rebuild.

14) Preserve yourself for the long run. It's a long slog and maintaining good health, a healthy diet and actively managing your mental health are the keys to "making it" through the rough patches. There will always be rough patches. Only your perspective and ways of dealing with them should improve over time.

15) Money buys you time and convenience, but it also often makes you dependent on material things. If you minimize your needs and wants, money will stop driving your decisions to the same degree and your life will be simplified and enriched by the truly important things - people and experiences. Cut out the fat and inflation from your home, mind and friend pool.

16) Celebrate small wins. Life is too short and everyone needs motivation to carry on with the energy of winning, even when it's small or fleeting.

17) Don't get too high on your successes and don't get too down on yourself for failure. You're in it for the long run.

18) Use the 80/20 Principle for operating in business and personal life. Keep your standards high, but don't be a perfectionist. Don't waste time on useless encounters and experiences. Develop a taste and keep your standards high and un-compromised. Think MVP (Minimum Viable Product) and nothing more, when it will do just fine.

19) Don't rely on others more than you have to. You're bound to be disappointed and once in a while, pleasantly surprised.

20) Sh*t happens. Sh*t happens in droves, in bunches. When it rains, it pours. Bizarre sh*t like getting fired on your last day of a project. Working yourself out of a job. Then again and again. You get betrayed by friends and coworkers - sometimes even by your family members. You get sick. People come and go from your life. You age and (hopefully) learn a bit of wisdom along the way. People change. You change. Standards change. Industries change and disappear. The only constant is change. DEAL WITH IT. Think, "How I learned to live and love the bomb."

21) You're your own best (and worst) gatekeeper, tastemaker, boss, employee, critic and judge. Know where each voice originates and calibrate your response accordingly. Deal with your baggage ASAP. Otherwise, it'll drag you down and get worse with time until you deal with it. Age is not always kind to this process.

22) Have one of each of these on call in your life for the bad times and the good, just as much:  a therapist, a financial adviser, a doctor, a rabbi, a mentor, a good lawyer and at least one true friend.

23) Rome wasn't built in a day. Neither was any significant achievement had without some (often high) dose of failure along the way. Stay the course. It's never a straight line to where you want to end up in life.

24) Don't be seduced by stories of instant riches and overnight success. The failure rate is insanely high for startups. Most that succeed have a combination of good timing, great product to solve an important pain point (although not always) and a great team. The trifecta is quite rare, so if you meet (or have a chance to launch) a startup with all three, jump on the chance!

25) Don't try to be all things to all people (it's exhausting and fruitless). Focus on solving a real pain point for a group of people using your best skills. Focus is everything to success.

Keep calm and carry on, amigo! And let me know how I can help. I'm here all week (really :)

Do you have valuable lessons you've learned from past failures? 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*

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12 Easy Life-Changing Habits You Can Start Today 

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Life runs away from us sometimes, no matter how we may be disciplined or "good" about our health.
Stress, lack of sleep, big changes (kids, new job) too often throw us off our well-intentioned regimens and diets, jogging routes and stable patterns.
The slide is long, inglorious, depressing. Now, here we are, pissed and annoyed.
Let's ask, how do I get back on the saddle?
1) Walk every single day. Get up and stretch once for each hour of sitting. After you stretch your arms and back and legs, go take a walk. Walk in mid-morning, during lunch and in the afternoon, your schedule permitting. At least go out at lunch. Sitting is death, advanced at interest.
2) Starting with morning, sip warm water charged with lemon and honey through the day. This is an old Ayurvedic trick to prime immunity from sickness and improve digestion. Along with ginger, honey and lemon are two of the best natural anti-biotics known to man.
3) Say thanks as often as possible. Practicing gratitude is infectious, gives you valuable perspective on what's important in life and even boosts your immunity. It also makes you an attractive mate, shows a sincerity and may yet win you friends and influence.
4) Brainstorm continuously and carry a small notepad and pen. Write down your thoughts (10 at a time, no less - hat tip: James Altucher). Although the bulk will likely prove to be completely useless, it will exercise your thought muscle. As James Altucher likes to call it, engage in "idea sex." This is how true breakthroughs for creatives and business folks alike really happen.
5) Take the stairs to go up and especially to go down. You'll get your heart working and motivate yourself to break through your laziness.
6) Write someone you admire to ask them for coffee. Don't ask to pick their brain. Be ready with specific questions about their path to where they are now (successful in their chosen field), their good habits and what they would recommend for you to do to achieve your goals. Ask for advice, sometimes get a job. Ask for a job, you'll always get advice.
7) Smile and laugh every day. You're not on Candid Camera, but everyone's watching anyway. Kids laugh and smile all day long. Why not you, as well? Your smile and your laugh are lights you introduce into the world. Others instantly react with smiles and laughter. Think of something really amazing in your life - your family, friends, co-workers, idols, whoever. Hold onto that thought and smile in appreciation. Smile because you think of something really positive in your life. Life's not so bad, no matter what you're going through. No one can take away the nature of what makes you truly happy - relationships and passions and experiences.
8) Listen to music you love for focus and to get through the tough times, but choose when you play which music throughout the day. Depressing music will depress you, no matter how great it is. Upbeat music will raise your spirits. You know what makes you tick. Set your soundtrack to modulate your mood carefully. Music can get you out of a funk, energize you to power through work, just as well as it can mess up your mood or kill it.
9) Call a friend. Don't text him or her. Don't Facebook your friend. Call - or even better, go say hi in person! Ah, good old human contact! How much you've missed it :)
 10) Tell a joke! Remember how you used to crack jokes all the time as a kid? Well, be a kid for once! Tell a joke to make someone laugh or smile. You'll do the same, lower your stress, relax and release some do-gooder hormones, for once.
11) Learn something! Watch a TED talk. Read Arts & Letters Daily or Brain Pickings. Take a class at Brooklyn Brainery (if in NYC) or General Assembly. Post questions (or answer them) on Quora. Go solve some brain-stimulating puzzles on Puzzles.com. Read some amazing lifehacks on... Lifehacker. Take courses on Udemy, edX or any number of other free MOOC websites.
12) Read a book. Put down your phone after you leave the office. Take a good book you've been meaning to read a while and jump right in. Reading increases empathy, which may (MAY) just make you a better person.
Now get on going, soldier! I'll be rooting for you :)

--Do you have other great habits you've gained to change your life for better? 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 Kill All Your Sacred Cows and Really Start Living

RQQMTMI7Z1 "Living is easy with eyes closed, misunderstanding all you see. It's getting hard to be someone, but it all works out. It doesn't matter much to me." - The Beatles

"Fool me once, shame on me. Fool me twice, shame on you." - Proverb

--

Most of us, regardless of our family's finances or background, grew up with certain people and concepts that remained untouched and untouchable - our sacred cows.

"Grandpa is a saint because he survived the Holocaust."

"My life is so hard because my parents messed me up in childhood." 

"I'm not good with money because I'm an artist." 

For example. when you grow up as a "really smart kid" but financially (and psychologically) insecure, you always worry about the next calamity and bill to pay. You start associating wealth with happiness and blame "circumstances" for your problems. As an adult, you find yourself unable to plan your finances - well, no one taught you.

You let others exploit your insecurity and take your precious time and money for themselves, make you feel guilty and obligated to them. You give of your time and resources selflessly not just because it's the right thing to do - but because you expect your "smarts" and accumulated "good karma" to bring you financial comfort and the company of good people.

When this doesn't magically materialize, you double down on your frustration and guilt, even as you double your hope that something, someone - hell, anything, anyone - will come to "save you." It doesn't happen. After enough vicious cycles, you begin to understand that the world is unfair and that you have to work just as hard as everyone else, despite your intelligence and good deeds. You're starting late, but pick up many lessons along the way, as you deflate your self-importance and start working like no tomorrow to get ahead.

Through all the many upheavals in my life over the years - whether in the ups and downs of romantic relationships and friendships, career trajectory, paying off enormous student loans while surviving in New York, becoming religiously observant, starting a family, learning to live with my flaws and warts (just as much as appreciating myself for the good things) and unpacking all the baggage from childhood as I raise my own daughter - I have learned that killing the sacred cows of my childhood and upbringing is both the most difficult / painful and also most liberating and rewarding process I have ever undertaken.

Here are the lessons I've learned that have helped to set me free:

1) Meaning trumps happiness. When you chase happiness as the end goal, you stunt your growth through painful or difficult experiences. Happiness is going through the process, not the goal. It is often ephemeral and doesn't last. When you seek meaning in life by asking hard questions of yourself and of others (Why am I here? What is my mission in life? How do I achieve it?), you are seeking a framework by which to live and that's with you every moment of the day, not just when you finish something you start or win a prize or reach a goal.

There is no rainbow with bliss at the end when you reach a certain stage in life or income or when you get to live in an amazing place or to meet celebrities or people you admire. You still have your mission in life to accomplish, your problems to solve and your potential to achieve. Get moving!

2) Your sh*t stinks just as much as everyone else's. Be slow to anger; be slow to rebuke your fellow by casting the first stone. The failure or character flaw you see in someone else is often the failure or flaw you have in yourself. But this doesn't mean you should lie down and let others trample all over you, either.

3) You're not a special butterfly. Don't treat yourself like one. You're neither an idiot nor genius, immune to mistakes or to disease, bad judgment or stubbornness. You have no special exemptions in life for being an introvert or sensitive or an artist or a billionaire or famous. Light is the best disinfectant (-L. Brandeis).

You have to play by the same rules as everyone else, even if some people you know may not be playing by all the rules.

Do things correctly and well, then meaning and money and respect (and other blessings) will come to you. Treat others well. Have a plan for your career and finances. Research carefully all big decisions and do due diligence on all people you deal with. Take small bites and chew slowly.

4) Even extraordinary people and people you greatly admire are still living the breathing the same air and are fallible and mortal and sometimes annoying and impossible. Mentors, celebrities, parents, siblings - they all fit into this category, no matter how much wiser, older, smarter, more experienced they may be. Don't replay the gospel they've taught you without questioning it critically. You have your own story and your own potential to guide you and inform your decisions. Understand why your parents or grandparents want you to become something particular in life - and then follow your own drummer (but you better learn to drum, first!) They might be compensating for something they lacked as kids or adults. Make your own path, regardless of whether it coincides with what they want or not.

5) You are not exempt from the rules of life - whether physical or moral, spiritual, financial, legal or otherwise. So learn all the rules and live by them. Don't take shortcuts on substance (it never works). Health (physical and mental) has to be constantly maintained and doesn't maintain itself. You have to practice what you preach and be the same inside and out (or you'll implode with hypocrisy). You need to understand who you are, why you're here and what you're meant to do in order to make it far in life. You have to organize your finances and maintain them actively or they will overshadow everything else in your life. You're not immune to the law, just because you're smart and know your way around the system. You must have all the relevant information to make decisions effectively. When you take risks, do it in a calculated and intelligent way (but do take them!). When you do act impulsively, at least have the good taste and the sense to stop with diminishing returns.

6) No one owes you a damned thing in life (unless by law or contract), regardless of what you've done for them. Learn to be grateful and self-sufficient to what degree you can. Don't rely on people completely; if you do, you'll always be disappointed.

7) When you assume, you make an a$$ of you and me. An oldie, but a goodie. Always do your research and due diligence, especially when it comes to your housing, schooling, potential mates, finances and all other big and important decisions. Again, don't rely on others completely to inform or advise you correctly. Always have your own opinion and data to back it up. Always have a backup plan. Oh, and nobody owes you a damned thing except by law or contract (see #6).

8) Your mate may be the greatest person in the world and the love of your life. But he or she is very much human and fallible and makes mistakes and sometimes misunderstands the world - just like you. That's fine and perfectly normal and you love him or her despite - or perhaps because - of it. That's why you two are complements to each other. Pick your battles. Learn to communicate well. Solve problems together. But don't put your mate on a pedestal where she or he's unreachable, un-reproachable and inaccessible. That's a recipe for resentment of the other, self-destruction and a broken relationship.

9) Beyond the basics, money brings you no extra happiness. Don't live life saying to yourself, "I'll do X only when I reach $Y per year in salary." Do what you can now (while you're young and unattached) without taking out irresponsible debt to do it. Travel, meet people; seek experiences, not things.

10) Your superstitions and scripts from childhood hold you back. Get rid of all your lucky rabbit's feet, four-leaf clovers, omens, talismans. Stop thinking every fourth year will bring you luck. Stop avoiding the cracks in the sidewalk. OCD and superstitions are weak-minded "remedies" to deal with uncertainty that only lead you to act irrationally and avoid evidence / data when making decisions. Superstitions lead you down lots of dark alleys with no good end. Dig deep to find these and how they negatively affect your life.

11) Align your religious beliefs with rational / practical life lessons. Your religious beliefs should not hold you back from common sense and practical considerations for how to organize and live your life. The two should be complementary in that religion should give you a wider perspective for who you are, why you're here, what lifestyle you want to live and how you want to raise a family and achieve your life goals.

12) Every person and circumstance you meet in life (no matter how annoying or enchanting, difficult or delightful) is there to teach you life lessons (sometimes positive, sometimes negative), to help you improve as a human being and professional and to help you move forward. Be kind to others; you don't know what the other person's going through. It's likely just as difficult for him or her as it is for you. Make the best of each encounter and circumstance. Don't dwell too much on disappointments or difficulties. Solve your problems as best and as quickly as you can and move on.

By following these principles, I have managed to rid myself of often-debilitating fatalism and a sense of hopelessness defined by circumstances - whether financial, professional, inter-personal or otherwise. This doesn't magically solve all problems, but it makes them more manageable.

The most difficult part is recognizing that there are many such scripts running in one's head that prevent making decisions effectively, planning effectively and implementing one's decisions. Years go by before one gets sick of one's own nonsense and resolves to change and clean out the junk from one's mind.

I hope this will help you to acknowledge all of the scripts attaching themselves to the decisions you make every day. Once you do, you can start the process of unwinding the weeds from your flowers, so you can continue growing.

There is light at the end of the tunnel. Now go forth and uncover it for yourself!

Do you have other sacred cows you've killed to transform your life? 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 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.

- -

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

8 Tips for Feeling Happier During an Unhappy Time

8 Tips for Feeling Happier During an Unhappy Time http://www.linkedin.com/today/post/article/20131028142626-6526187-8-tips-for-feeling-happier-during-an-unhappy-time

5 Self-Defeating Behaviors To Avoid

http://blogs.hbr.org/2012/11/five-self-defeating-behaviors/