How A Shy Kid Like Me Learned to Negotiate

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I grew up with a group of brilliant and strong women all around me, but they all struggled with something I think a lot of people deal with — they could not negotiate. And neither could I. My mother’s a professor with a science Ph.D. One grandma was a doctor in the 1940s. Her sister was as well. An aunt had been a dentist in the 1910s in Minsk.

My sister went from a fashion background to an MBA and business ownership and quickly learned the ropes.

I married a brilliant and strong woman who negotiates like second nature — and for pay, to great effect. The contrast, in some ways, could not be stronger.

The pain — tears from being passed over for promotion, for an increase, slights (perceived or otherwise), the silent anger and resentment due to words or acts by bosses who were inevitably all male — still sting today.

How could it be? I work SO hard! I know I am the smartest and best worker with the most ideas and publications, plus the most industrious of all of them — and still this.

And as a boy, all these aggressions were magnified. The women in my life had lived and managed through the hell of Soviet Stalinism and anti-Semitism, the compound stresses of an emigration and assimilation, plus divorce and worse.

How could it be that in America, the land where all of us are equal, they had lost their voice? Year after year, month after month, I was frustrated by the evil men I hardly saw.

Uncover Hidden Scripts

As for my own development, it took big system shocks to get the ship to sail upright and straight. I didn’t learn negotiation from my law school studies or from years in finance. It didn’t magically absorb from reading business books or blogs.

It took unpacking baggage from my childhood — with all its Soviet Jewish norms of culture and behavior — to uncover all the hidden scripts I had controlling my existence from afar. Selling was stigma, self-promotion being the lowest form.

Negotiation was beneath us — shameful commercialism. We were too cultured, too polite, for that. We suffered silently as martyrs but upheld ideals and moral rectitude. The world was turned against us and we couldn’t trust anyone.

But I also started seeing the benefits of asking for a better price, of asking for a better starting salary and title, of making small talk to ingratiate myself, of doing research on the person I was dealing with.

These were the sorts of small “infringements” I’d found so dastardly before. Once I had called a spade a spade, I’d had enough of martyrdom and misery.

In my wife’s culture, bargaining’s like hygiene. If you don’t practice it, you’re shunned and disrespected. The paradigm of shame is quickly turned up on its head.

If you don’t bargain and negotiate, you’ll be a failure, plain and simple. With this in mind, how can I possibly abstain and stay behind? For what? To please a set of vague ideals? No, thanks. Now, where’s my discount?

Practice Negotiating in Any Way

At first, to bargain was as pleasant as a kidney stone. I practiced in a market in Morocco, then in Israel. It worked! Success begat success, and I got bolder.

Soon — unemployed — I dared to bargain for a higher starting salary with my new boss. I brought the facts and numbers to the table and firmly asked for $10K more, plus changes in the contract. Next thing I knew, I got exactly what I wanted!

Another time, I turned a contract role into a full-time gig (with benefits, 401(k) matching, paid cell phone and more) with one quick call directly to the CEO. As it turned out, he is a masterful — and merciless — negotiator. I learned a ton from working with him and then negotiated huge discounts on rent and software for the company.

Another factor is necessity, that mother of invention. When you have student debt the size of icebergs and you call Manhattan home, you quickly start asking always for a better, cheaper, faster way to do things — NOW, not later, not tomorrow.

The Answer Will Often Be “Yes”

The urgency takes hold of you and steels your confidence. Why not? If you don’t ask, the answer’s always no.

Quite often, actually, you get a yes. This may be because others have an expectation bias and have already committed to the cheaper sale. Maybe the person has the mindset that negotiation is a sin, just wants to let go and wash their hands of it.

With salary and benefits, there’s often extra money budgeted for you. A title can be fungible, depending on the context. When making deals with vendors, you do often find more leverage in unexpected places.

Ask, and you often will receive — some extra benefits for cross-promotion, a strategic partnership or other smart win-wins. It is your job to be creative.

Stop Believing Negotiation Myths

It is a fallacy, assuming always that the other side won’t budge. You’ll often find that humans are just human in the end. They often want to please, be nice and helpful to you, but you have to ask.

It’s also foolish to keep thinking that to bargain is unprofessional. Think of it as a trial project for your boss. If you can stand up for yourself and bargain with him, then you’re showing:

  • Confidence
  • Business sense
  • Thoughtful preparation
  • Interest
  • Commitment

If these are not the very traits your boss is looking for, then don’t go work for him!

Winning Negotiation

The key to winning a negotiation is an understanding of terms of business and in yours and others’ motivations and desired results.

First, know exactly what you’re worth to bosses, vendors, clients. Do research on your market, the true price and markup. Ask people in the industry.

Be bold, take risks — but do it smartly and with preparation. The boundaries when making deals are often far beyond your mind’s own limits on yourself.

Take paper and a pen and write down what you want to get across. Note your thresholds and stick to them — the more specifics and real numbers, the better.

Now, find a partner who you can practice with beforehand. Ideally, this is a friend or spouse who’s been a boss or vendor rep or business owner and a devil’s advocate.

You want someone who’s people-savvy, observant and experienced, with sense of body language and your weaknesses and strengths. Get him or her to tell you how you come across.

After this, work to fix the problems your friend has pointed out. Then, go in and get what’s yours.

Develop the Negotiation Mindset

The negotiation mindset, when compounded daily, weekly, monthly, yearly, has a tremendous upside. Practice negotiating in your everyday transactions — at your grocery, your coffee shop, on Craigslist.

Find coupon codes online, use Amazon to check for the cheapest price. Once you attain this mindset, you will find that others cannot take you for a ride. You sniff out scams and don’t fall prey to marketing so easily.

Granted, it can be daunting at first to speak up and to overcome your limitations, but immensely powerful. You’re losing absolutely nothing in the back-and-forth and often winning self-respect and boldness to achieve much greater things.

Know what things really cost. Set concrete terms. Be confident. You will be shocked how often you will win.

After a while, negotiation is a pleasure and a habit, much like brushing your teeth. The only things you have to lose are misery, frustration and your own stumbling blocks.

The money in your pocket and a healthy sense of self are great fringe benefits as well.

Don’t Leave Money on the Table

With this in mind, it is imperative for women (and men) to bargain and negotiate. Ten thousand dollars left on the table now can mean $500K abandoned over a career.

A lower title can slow one’s growth and progress by a magnitude. Take ownership of how you come across to bosses and executives, as well as business partners and your clients.

Often, the very thing you dread (negotiation) is precisely what the other side is looking for. In other words, you often can’t afford NOT to negotiate this time and every other time.

Do all the hard work now. Then practice, practice, practice, and you’ll reap the benefitsimmediately.

Now, to get back to all the brilliant and strong women in my life. Among them are war journalists, executives, top scientific experts and consultants, engineers, high-end lawyers, bankers and VCs, product managers and others.

Time after time, I’ve heard how in “The Talk” with Mr. Boss, Executive or Client, they just freeze.

Meanwhile, males with worse degrees and grades, work ethic and experience would leapfrog them, negotiate and win big salaries, promotions, titles, contracts, deals. They did all of this despite appalling manners, sexism and a nauseous basket of fraternity behavior.

Stand Up for Your Worth

Over the years, these women have turned to me with their frustrations about men at work — male managers, executives, etc.

How much frustration, tears and disappointment (and time) could easily be saved through simple training and unpacking baggage, plus a little research? Hundreds of thousands left at the table, better titles, better lifestyles, plus a sense of worth and fairness?

Ladies, lift up your heads! There’s nothing alpha-male, shameful, risky, or arrogant about acknowledging your true worth and sticking to it in negotiation. Like all good things in life, it takes determination and a plan.

If you don’t change, you will forever be a slave to your own doubts and hidden scripts. It is a heavy — and unneeded — burden.

If (and when) you do, the world is yours, no matter if your debt or unemployment or the other circumstances seem to hold you back. To paraphrase Hillel the Elder, if you don’t stand up for yourself, then who will stand up for you?

And being yourself, who are you if not for yourself? And if not now, then when?

--

[This is also a post on WorkAwesome.com]

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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.

--

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

4) Take good care of your mind.

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

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

Kill all your sacred cows and really start living.

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

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

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

Value your time above all (see #2).

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

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

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

EVERYTHING is negotiable.

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

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

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

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

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

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

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

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

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

Here are 10 things to be thankful for RIGHT NOW.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Minimize the number of daily decisions you have to make.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

16) Don't do it alone.

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

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

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

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

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

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

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

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

18) When you fail, fail quickly and cheaply.

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

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

19) Get fired at least once.

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

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

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

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

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

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

Here's how to find your career personality type.

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

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

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

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

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

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

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

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

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

22) Sow new seeds every day.

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

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

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

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

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

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

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

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

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

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

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

– –

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

Follow us @Blueprint2Thriv

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

*The views expressed herein are his own*

12 Strategies Women Must Know to Nail Their Year-End Review Negotiations

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It's nearing your year-end review. You're really good at what you do, but when it comes to your negotiation skills, you freeze. You might have even taken one of those negotiation courses back in business or in law school, maybe even college, way back when. But what's the use? You feel you have no leverage. You're in the company maybe a year or 18 months, or maybe even less. You'd hate to rock the boat too much.

You've always kept your nose clean, done your work and then some. You're not one of those alpha dogs, always obsessed with self-promotion. You feel that good things come to those who do great work, work well with teams, collaborate, not steal the show.

Congratulations, you've convinced yourself - out of potentially $500K over the course your career, perhaps a handful better titles,  more responsibility, advancement of the type you've always dreamed.

You've fallen prey to hidden scripts - those nasty little parasites that feed on insecurity, uncertainty and fear inside your head. Don't feel too bad - all of us have them, often since our childhood.

Now that you're an adult and savvier about the "real world," it is time to stop the madness. There is too much at stake NOT to negotiate. Plus, it is neither rocket science nor impossible for introverts, the risk-averse, the modest and the shy, plus those without "the guts."

I'd know a thing or two about this paradigm. Before I ever went against the grain of childhood shyness and low self-esteem, I viewed negotiation as the province of the alpha male, the Middle Eastern market, the car dealership, the back-room politician.

In business, these illusions quickly withered. When I transitioned to the finance/operations function for a startup, suddenly it was my role to drive down prices, to negotiate with vendors and the landlord. I started trying to bargain at the market on a trip to Casablanca and then Israel.

I then successfully negotiated with the CEO (a master negotiator himself) to go full-time, instead of contract, with a $15K bump in salary and benefits, plus more responsibility that at my prior job. While there, I managed to negotiate down $45K (23%) from a vendor's original offer for an ERP system and $17K (6%) on rent over 5 years for our new office. This, after being too shy and scared to bargain for an apple at the market just a couple months before.

After a while, it was an actor's game, except with higher stakes. The first and most important rule is simple - if you never ask, the answer's always no!

Over the years, since I was young, the many (brilliant, fearless) women in my life would come to me with their frustrations about bosses, lack of meritocracy and inability to get past fears and insecurities and all the rest, especially with negotiation. The men would simply never go admitting it.

Here are the strategies I've counseled them to take. I have used them myself with great results.

1. Write down your hidden scripts. Make sure to name all of them, spare none. Once you acknowledge having them ("I can't negotiate," "I'm not cut out for it," "I'm simply never good enough," "I do not want to rock the boat," etc.) you start to understand that these are just opinions, hardly facts. Are these scripts carried down from family or friends? Are these based on past episodes that are no longer relevant?

Now, you can start to change these harsh opinions on the subject of yourself. Ask friends what you are good at. Write down the tasks at work that make you feel more fulfilled. Write down the favorite role you play out of all your work responsibilities. Are you always making sure others are thriving? Are you at your best when delegating to others and managing them? The subject matter expert everyone consults? Focus on outlining and hammering your strengths before you lash out at yourself for (perceived and real) faults. This way, you will be better balanced and equipped to eliminate your negative scripts.

Keep one critical point in mind. Your performance at work does not equate to your performance as human being, whether it's good or bad. Being a good human doesn't guarantee being a good worker or team mate. Being a good team mate and worker doesn't make you a good human being. Both take work, but don't mix them. Business is business and your personal life is personal.

2. Write down your work accomplishments throughout the year (and before that, as applicable) in as much specific detail as possible (e.g., saved the company $100K, trained 5 new employees in Excel, saved your manager an hour a day by automating 2 reports, improved client retention by 20%, increased revenue by 15%). Imagine that negotiation with your boss is actually an audition and a chance for you to demonstrate your value. This will be your biggest "leverage" in the negotiation.

Managers and executives see your impact on team and company through the lens of concrete numbers, not how nice a person you are or how much everyone loves having you around. Speak their language and they'll take you more seriously and include you in the club of people who "get it," one of "them." This makes it easier for them to make decisions raising your salary, promoting you and otherwise pushing you up and through to the next level.

3. Know your partner (not "opponent") in negotiation better than you know your best friend. Was he or she a frat brother or sorority sister in college? Is your manager married or single? Kids or no kids? From Ohio or New Delhi? Likes his coffee black or with a little milk? Went to the same college as you or in Australia? What motivates him or her - money? family well-being? women? men? fame? customer satisfaction? cheaper/better/faster work? technology? What is the person's culture? What is their negotiating style? How does he or she view women? How do they view you based on the language (both spoken and body language) they use with you? How about your peers? How does your manager relate to you in comparison with the others on the team?

Without appearing to pry, these are things you should already have bothered to learn and understand by asking your manager directly or observing through their interactions with you and others, through social media presence, etc. No human is a complete mystery and most are actually quite boring, conventional and predictable.

The goal here is four-fold:

a. to create a real rapport with your manager based on shared background, interests and goals. This requires demystifying your manager and ingratiating yourself on a real human level with the person without appearing to pry, pander or "suck up." In the end, it's all about making yourself appear and sound (and act) like a partner in your manager's success, not his or her opponent or roadblock.

b. to tell them what they need to hear from you in a way that's cooperative and non-threatening, showing you have incentives aligned with his or hers and that what you're asking is both reasonable and in the best interest of the team, company and manager himself (not just your own selfish interest) and

c. to find the manager's trigger words for success in what you're asking. When you know his or her specific goals, you can then frame what you're asking in a way that shows clearly how giving you what you want will concretely help your manager to achieve what he or she wants.

4. Be clear about what you're asking. Is it higher salary? Higher title? A higher bonus? All three? More responsibility? Chances to prove yourself? Be as specific as possible when communicating. Show evidence (see #8 below) to back up your request.

If the answer is no (never presume it will be! When you actually ask, unexpected doors often open for you.), what will you ask for as a backup? If you can't have more than a set raise, perhaps you want more days off or better perks or better health coverage? If the answer is no, immediately ask what are the specific steps you need to take to earn that higher salary, title, bonus, more responsibility, etc. This shows you're not just asking to ask, but are committed to making it happen, helping the company

5. Proactively take the sting out of the coming review. Review yourself first! Take criticism from your manager in stride. Nobody performs flawlessly. Before the negotiation, you should know (and have written down) your own weaknesses and strengths, things you've done well and things you haven't. Anticipate where the challenge will come and have a ready answer for each point.

Coupled with your highly specific achievements during the year (See #2 above), this will help you parry your manager's words, stay on your feet and continue with your objectives in the negotiation.

Most importantly, remember that (within the realm of the possible - see #8 below), granting your wish for a higher salary or title or bonus or better benefits/perks, etc. is often a very easy decision for the manager. Just asking often opens the door to getting what you need.

6. See the review for what it is - a DIALOGUE, NOT a monologue (like your interview to get in the company). Be ready for any scenario. If you believe the dialogue is not going to go well, then start opening up new windows for opportunity. Contact recruiters, if you have to. Talk to friends in other companies where you may want to work. Even if you come nowhere close to switching companies, you will give yourself psychological breathing room. This will help you parry whatever feedback you receive, whether negative or positive, and continue with your objective in the negotiation.

7. Control the negotiation yourself from the start. Speak first to build confidence and take the initiative. Begin by thanking your manager for sitting down with you to discuss your performance. Restate your commitment to the team and company, your love of working with the team to solve problems and create value. This will already blunt the impact of any negative feedback and will enhance any positive feedback coming your way.

8. Do careful and diligent research on your company's average salaries for your position, the average progression to the next title, average bonus figures (and how much of it is based on personal, team and overall company performance) and any other relevant industry, city and state averages. Use Glassdoor.com, Salary.com, speak to others in the company that you trust to know these things.

How much room is there within the company for the boss's discretion to increase your salary, title, bonus, perks, benefits, etc.? Make sure not to ask for things that that the manager can't give you. Only ask for things that are within the real of the possible. Make it as easy as possible for him or her to say yes to your request(s).

Invoke authority - someone higher up in the same organization, average salary at your title in the industry and at competitors and other specific figures in your negotiation dialogue.

Know your company politics down cold. What is the expected time for a promotion and expected raise? How does your review compare with that of others on the same scale?

9. Start working on your body language ASAP. Perception is reality. When your posture is bad, you don't speak up, you're overly emotional or overshare your personal life with co-workers, don't smile sincerely and don't project confidence, you are sabotaging your own daily performance and how others perceive you. It's a slippery slope, but luckily, it's also reversible.

Practice standing up straight with your shoulders open, stretching your arms up and out, lifting your head up and smiling. Close your eyes and imagine doing something outdoors that you really love and makes you happy - walking in the wilderness, skiing on a mountain, whatever it may be. Imagine doing your favorite activity that you're better at than anybody you know. Is it writing? Running quickly? Drawing? Put yourself there and run through the activity for at least a minute or two.

Create space for yourself to be in control. Breathe in and out slowly and deeply. Invigorate your lungs. Do this right before going into the negotiation - in your closed office or bathroom stall. Always put yourself in the best of frame of mind possible right before you negotiate.

Breathe in and out slowly and deeply for a minute before speaking. This lowers your voice and makes you feel and seem more authoritative.

Prepare yourself to look and feel confident RIGHT before the negotiation by standing up straight and tall with your hands on hips or arms spread open in a position of power (e.g., in your office or restroom stall). This shoots up your endorphin level, making you feel instantly more confident and putting you at ease. Try one of these power poses.

Lastly, practice smiling regularly (and sincerely). Work hard to consistently find the positive in people you have to work with and overlook the negative. Remind yourself regularly of activities and people that make you feel good about yourself. Do these activities and re-connect with these people often.

Appear friendly as much as possible without watering down your position or confidence therein. The two are never mutually exclusive. Find the happy middle ground and practice being friendly, even while maintaining your ground.

Throughout the negotiation, maintain good posture, without dramatic posing.

10. Work on the words you speak. Be clear and concise and remain upbeat and down to business, as much as possible, but never humorless. Nobody likes to have Debbie Downer around. Get the cynical humor, high emotion and gossip out of your system and keep away from others around you that do.

Let others assign you to positive stereotypes (hard worker, "gets it done" every time, nice person, clean nose), not negative ones (gossip, depressive, etc.). Always appear well-balanced and relentlessly positive, above all. Don't give your manager or anyone else the tools with which to write you off, keep you down and under-paid and under-utilized, as well as below your own potential.

Always make sure to finish what you start. Don't let negative feedback knock you off your horse (you've now prepared yourself to hear it - see #5 above). Just keep going and finish your list of objectives in the negotiation. Make sure to get in all your points and finish on a positive note, thanking your manager for the feedback and looking forward to creating more value for him or her and the company.

11. Drop any illusions that negotiation is the same, being a woman rather than a man, regardless of whether negotiating with a man or a woman. Humans stereotype instantly and often have strong biases based on background and experience (hence, the need for careful research - see #3 above). This simple human fact is hardly an automatic impediment, but it does present different ways of getting to where you need to be in the negotiation. You absolutely don't need to obsess about "thinking and acting like a man," although certain elements of effective behavior may seem similar to male behavioral stereotypes.

Be aware of the silent stereotypes and prejudices hovering in the background - and transcend them or use them to your advantage! If your boss sees you as a threat to take his or her place, go out of your way to show your commitment to the team and company and his or her success. If your boss appears to think you're a "feeble and helpless woman," it can actually be a big advantage when you impress him or her on the spot with confidence and negotiation ability with the best.

Women tend to better in negotiations when they are seen (and see themselves) as negotiating for a group of people, not themselves (unlike men, for whom this is completely expected). What group do you represent? Under-paid women in your company and industry? Negotiate for the good of a group, not yourself. This will strengthen your position and decrease push-back. Invoke authority whenever possible - someone higher up in the same organization, average salary for your title in the industry and at competitors.

12. Practice, practice, practice the negotiation and get feedback from people you trust who will be frank and honest with you. First, cultivate the thick skin to take the advice as helping you to progress well beyond where you are now. It's a process and won't happen overnight. Start the process as long before your review as possible.

Beware asking close friends or family for frank and honest feedback. They will often hold back for fear of offending you or making it seem that they look down at you. The best alternative is to find an experienced coach specialized in giving frank feedback and teaching the methodology to overcome your fears and hidden scripts, create good habits of self-perception and outward appearance and to negotiate with confidence, knowledge and insight into what works well for women in your industry specifically (plus, armed with any information on company, team and your manager, specifically).

Record yourself in the practice negotiation, if possible, so you can see for yourself how you look and sound. Discount your own bias to put yourself down. Ask for feedback from someone else who can give you an honest opinion (and always take it in stride).

Prepare a detailed list of accomplishments and points you want to get across in the review.

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Now, when you go in for your end-of-year review, you will be armed and ready with the information and the confidence you need to blow your manager away. I'll be rooting for your success, as always!

Are there other important strategies you’ve used to negotiate effectively as a professional woman? Please share them with the Community in Comments below. We’d love to hear from you!

– –

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

Follow us @Blueprint2Thriv

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

*The views expressed herein are his own*

 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 Find Out What You Are Meant To Do in Life

DeathtoStock_NotStock2 The vast majority of people – likely yourself, included - are not happy with their job and not engaged at work. You’ve seen Venn diagrams galore about the sweetspots between what you’re good at and your passion and what pays well and the like. Maybe in college or in high school, you took ASVAB or another long assessment that spits out ten possibilities of jobs you might want to consider.

And yet, you’re sitting in your cubicle and wondering what is it that you’re meant to do in life. What do you want to be when you grow up? Your mother’s voice rings in your head. Yet still, you have no magic answer. At times you seriously doubt there is an answer possible.

A part of you, in fact, just never wants to grow up and to focus on one thing. Deep down, you never quite believed in that annoying maxim that your parents and your teachers drilled into you, that says you have to choose and stick with your profession for your life or drift away, become a failure. There is a wisdom there and also folly, equal in their measure.

As we well know, Millenials pursue portfolio careers – they can be product managers and writers or risk analysts and DJs. There is no simple definition of profession anymore, as well. Most people change careers and jobs like gloves. There is no longer a straight path to glory or fulfillment, save for a few fields. There’s no such thing as meritocracy. Your personality and sense of politics are equally (if not, in fact, much more) important for advancement than your brains and execution.

Allow me to propose a heresy - life’s meaning doesn’t have to stem from work! It is a paycheck and an occupation and a means to learn, contribute and perhaps enjoy. There is no biblical commandment for your job to be your all-consuming purpose. There is your family, your hobbies, church or synagogue, non-profit work, whatever it may be.

But no, come on, you say. I’m young and smart and energetic and I know that I can be successful if I only knew where to apply myself. That may be true. Even if you are not a prodigy from childhood, you can easily still bloom much later and succeed beyond your wildest dreams. Think Warren Buffett and Ray Crock, Mark Pincus and a thousand others who created famous brands and giant value late in life.

You may be in your twenties, thirties, even older, if you’re reading this. Many of us pursued name brands of companies, degrees and fancy titles, but are unfulfilled. There has to be a better way.

Here’s my approach:

1) Beyond the many tests of personality and culture fit, there is the question of your role. A role encapsulates what motivates you in a given situation.

What role – that is, opposed to title - do you really, truly, actually enjoy in any situation?

Are you the expert who excels in giving consultations on in-depth details and who analyzes trends?

Are you the silent helper in the background who makes sure the others are on track and doing well?

Are you the planner that can carry off the complex project plan?

Are you an inborn manager and delegator, telling people what to do and how?

Are you the Type A CEO who lives by mission and are hell-bent on achieving it?

Or are you the observer who enjoys his writing far removed from business action?

You may be all these things in some capacity, but which one gives you real enjoyment in the moment?

 

2) Once you have narrowed down a favorite role, you can move on to adding value.

In what capacity can you help others best and thrive? In what capacity would it be easiest for you to make things cheaper, better, faster and kick ass and come home happy after a long day?

Are you a stickler for the right word in the moment? Then try marketing or writing.

Are you in inborn salesman, full of energy, who loves convincing other people that it’s time to buy, buy, baby? The sky’s the limit, GO AND SELL!

Do you enjoy forecasting profits or new trends? Then maybe you should be a data scientist in your favorite field.

Do you see years ahead of everyone and outwork all the rest to get to where you want to be? You might be the right person to go off and start something yourself.

 

3) Once you collect the evidence to show yourself what you enjoy the most, you can go on to mapping it to function in a company by title. Don’t fixate on the title, but on job description. Will this involve a lot of things that get you up all bright and early, thrilled to run to work? If not, keep looking.

 

4) Next, industry makes sense by what you value most. Everyone likes to say that they enjoy helping people. Those in the medical professions want to cure, improve their patients’ health. Investment bankers want to raise the capital for companies to grow. Climate researchers want to turn the tide and save the planet. Sometimes the industry is not so terribly important.

What medium or context is it that excites you most for doing your best work?

You could be crunching data in a healthcare startup, just as well as finance or at Uber.

 

5) Next, go and research companies where you might want to work. It doesn’t have to be the Googles, Apples, Ubers of the world – at least not right away. Often, your break can come inside a tiny startup or established, boring player, where the degrees and fancy titles carry much less weight than motivation, problem-solving skills and good experience.

The best way to get information is, once more, from people on the inside. These are the folks who get your resume directly past the tracking system and into the hands of the HR / recruiter. They are the ones who know interview questions, preferences of the hiring manager, the team dynamic and company culture. NEVER take the company’s own marketing at face value. Read Glassdoor and other reviews, keeping in mind that most reviewers tend to be either quite pissed or drunk with Koolaid. Stay skeptical until the end – at least until the ink is dry on your new contract with the firm.

 

6) Now that you’ve done your research and reflection, you can start to strategize.    

What is the shortest path to get to that specific role inside your chosen industry?

First, focus on the practical. Can you get in a sponsored hackathon and then get hired directly? Great, go for it.

Or can you take a General Assembly course for it? It might be worth the money, then.

How about taking MOOCs for credit – would that show your interest and dedication to potential employers? How about being active in industry groups on LinkedIN and in real life?

Depending on what role you want, you may be able to network your way into a job without much (or any) prior experience. Ask questions on Quora to get a straight-forward, no-nonsense answer from high-end professionals in the field.

Next, read all the books you can about the path the leading lights have taken to start out and grow, excel at the particular profession that you chose.

Before you rush to spend your hard-earned money (or take student debt) for a degree, for courses or for boot camps, go online and find the high-end free resources recommended by professionals (see Quora).

Contact the people in your network in the field who do exactly what you want (over LinkedIN, through  alumni network or another way). Take them to coffee and prepare good questions about paths to get there and the tasks and functions of the job, then companies and titles, then how to interview and what to know, etc.

This is the crucial process of intelligence gathering. If you don’t do it well, you’re liable to get the wrong ideas, spend too much money and get lost. Those working in the field (not academics in the field) generally have their nose to ground, a set of realistic views and expectations.

That said, beware of doctors hating medicine, those angry, burnt-out lawyers, bored accountants and the other misfits who are stuck – naysayers, who are not your friends. Talk to the doers, people with large networks and portfolio careers. They generally have the clearest and most sober view of things. Get second, third and fourth opinions, always, as a rule.

 

**DISCLAIMERS**

It is worth noting that at different stages in your life, you’ll likely want to be in different roles. You’ll find completely different things enjoyable when 22 than when you’re 30, 35 or 45. Exiting college, you are hungry for experience through solid training. You may already know exactly what you want from life or you can struggle through crap jobs, self-doubt until you’re sick and want to change direction. This easily can happen at the age of 30, 35 or 40, even later.

Consider this example. At 22, John starts his job at Google as a Junior Product Manager. At 24, he moves to LinkedIN and there gets his break, leading a team to build an awesome feature that affects a hundred million people, At 27, he’s recruited as VP of Product at a healthcare startup and begins to take the plunge. Here, he begins to build a team to take on cancer through great diagnostics. At 30, his equity stake is worth $3 million and he cashes out after the IPO.

After 2 years, he moves into the dark side, a VC firm, Kleiner Perkins. From his new perch, he is an expert and thought leader, now investing in healthcare and tech. He gives TED lectures and advises startups on their product strategies. After 5 years investing and an awesome record, he plunges back and starts a company with friends from college. He’s got 2 kids, a wife.

His interests, priorities and worldview have completely changed – several times - since 22. Once he got married and had kids, family's meant the most to him, his job taking a backseat.

Each person's finances and circumstances, personality and motivations may be different and change with time. The key's to keep things in perspective. It's great to love your job, but not at the expense of family and loved ones - or your health. Life is a trade-off, but a lack of balance brings great harm.

Not all of us (frankly, quite few of us) can have a straight path as our friend John mentioned here. Most of us will go from job to job and career to career until we reach apathy, complacency or maybe a small share of transcendence along the way. The bliss is really in the journey, often hard and bumpy, crooked as in Snakes and Ladders.

It gets quite hard and harder to amend directions in your life once you have family and kids, so try to get your stuff straight earlier. That said, it’s never quite “too late.” Think of those Buffets and Ray Crocks, Mark Pincuses and all the other fabulously successful late bloomers.

Enjoy the ride, stay humble and stay firmly on the ground, Marty McFly!

I’m rooting for you!

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Are there other tips and strategies you’ve found useful in finding your ideal job or career? Share them with the community in the Comments section below.

– –

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.

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Follow us @Blueprint2Thriv

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

*The views expressed herein are his own*

Secrets of a C.E.O.: Why I Chose In-State College

Something to think about, whether for grad school or college, etc. http://www.learnvest.com/2013/10/secrets-of-a-ceo-why-i-chose-in-state-college/?utm_source=email&utm_medium=internal&utm_campaign=Friday%20One%20Daily%202013-10-11

Are You A Planner Or Spontaneous? When And Where Each Personality Type Thrives At Work

Excellent analysis and suggestions. http://m.fastcompany.com/3017028/how-to-be-a-success-at-everything/are-you-a-planner-or-spontaneous-when-and-where-each-perso?utm_source=facebook