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Four simple things that can derail your career.And what to do about them

Raymond J Ramirez DVM

University of Illinois 1986

ray@ramirezdvm.com

Ramirezdvm.com

Slideshare.net/rayjramirez

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By studying ‘Legacy Achievers’Legacy Achievers – vs those who short term success, but then failLA: Balance of six area of lifeNot cheeseburger with Diet coke

FaithFamily

FinancesPhysical health

Social contributionsContinued Education

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Our Focus today

Today taking care of CELove to talk about Faith… but not point of

discussion today• Faith• Family• Finances• Physical health• Social contributions• Continued Education

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The Solution: Pay attention to Derailers

Personal fulfillment.

Marriage

Children.

Personal finances.

Family

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The Solution: Pay attention to Derailers

Personal fulfillment.

Marriage

Children.

Personal finances.

Family

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The Solution: Engage more of your Right brain, and the left brain part we ignore

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Marriage/ relationshipRight brain

• How many want love in your life?– Isn’t that why we become veterinarians – to care for

dogs and cats, who love us not matter what, but can’t tell us!

– How does one nurture this relationship?• We hear the cliché’s of ‘date a week’ – but is very important to

reconnect. Those of us with children can attest how hard it is to carve out some time.

• Care free timelessness– Once a month, pull out calendar and schedule carefree

timelessness with most important person – whoever that is.– Who are experts? - teenagers

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Marriage Relationship• How many want love in your life?

• Care free timelessness– Once a month, pull out calendar and schedule

carefree timelessness with most important person – whoever that is.

– Who are experts? – teenagers

– Work does NOT count• Even if work with wife, husband…. Carefree

timelessness can not talk about work

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Goal of Marriage – any relationship

• To help you to become the Best Version of yourself. (Matthew Kelly)– You do that for yourself, and for your spouse– For your other groups you belong to that are

not veterinary related.– What is your Rhythm of Life?

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Common Derailers to Marriage

• “All talked out at work”– Any Introvert can fall into this since we, but

obligation to do a good job, need to talk a lot at work – many Veterinarians fall into this because: we want to help animals – don’t like people so much

– Upset with something at work, so ‘take it out at home’.

– Carry a bad case home **

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Marriage/ Relationships

• Practical– Ramirez family – Ray Dvm, Kelly Office manager– Off Saturday – no clinic talk on weekends– Go to church to discover truth together– Do something together –read chapter of book and discuss– Figure out something to leave work at work

• Go to Gym, go for run/ walk after work and punch things.• If long drive, get book on CD

– You will talk about work to some extent – we spend more time at work that with any other group of people.

• Talk about funny things that happened not specifically work** • Hard for me – not modeled, when young DVM- somewhat easy

because lot of new things outside of work.

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Marriage/ Relationships

• Key is too recognize

• Set a plan

• Reevaluate plan in 30 days in case not working for your situation in life

• Not much different than a patient.

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The Solution: Pay attention to Derailers

Personal fulfillment.

Marriage

Children.

Personal finances.

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Children

• Don’t have them.

• Enjoy them as the gifts they are and realize there are different things the children need depending on age.

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ChildrenPre kindergarten

– K-teen– Teen– Adult

– University of Montreal and Sainte-Justine Mother and Child University Hospital in Canada, found that every hour of TV children ages 2½ to 4½ watched not only added to their waistline but also affected their ability to perform in sports.

– Penn State laboratory study 2006, preschool children who usually eat meals at home while watching TV ate one-third more lunch when they were shown a cartoon video during lunchtime versus when they ate lunch without TV.

– April 2004 Issue of Pediatrics : Early television exposure in children ages 1-3 is associated with attention problems at age 7, according to a study from Children's Hospital and Regional Medical Center in Seattle

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PreSchool age

• Children like being read to. Pick a series that interests you and read.

• Be prepared that many children like to read the same story over and over. That is OK.

• But also pick a ‘chapter book’, to get variety and expand their imagination

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PreSchool age

• Books– Dr Seuss– Series to read: Pigeon books, – Little house on the Prairie, – Peanuts comics, – Calvin and Hobbes, – Chronicles of Narnia– Redwall

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Preschool

GO outside and play

They don’t need coaches, umpires …

Who remembers ‘do over’, ‘pitcher’s hand’, no right field.

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Children

Pre kindergarten

K-teenTeen

Adult

Pay them to read

John Maxwell:

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Books Author of 21 irrefutable laws of Leadership

Discuss at dinner table – at least 1, 2, 3 x / week.Get money when turn in 1 page report on a summary of the book and how they will apply it to their life.Other suggestions:• 7 habits of highly effective people (teens) Steven Covey• Dream manager – Matthew Kelly• The Rhythm of Life- Matthew Kelly• How to win friends and Influence People – Dale Carnegie • Five Dysfunctions of a Team – Patrick Lencioni • Leading Change – John Kotter • Good to Great – Jim Collins • Blue Ocean Strategy – W. Chan Kim and Renee Mauborgne • The Tipping Point – Malcolm Gladwell • E-Myth Revisited – Michael Gerber • The Discipline of Market Leaders – Michael Treacy • The Experience Economy – B. Joseph Pine and James H. Gilmore • The Hungry Spirit - Charles Handy • As a Man Thinketh – James Allen • Man’s Search for Meaning – Victor Frankl • Getting Things Done – David Allen • The Alchemist – Paulo Coelho • One Small Step Can Change Your Life – Robert Maurer • It’s Not How Good You Are, It’s How Good You Want To Be - Paul Arden

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The Solution: Pay attention to Derailers

Personal fulfillment.

Marriage

Children.

Personal finances.

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Personal Finance Left brain – finally

• Who has heard of a budget?– Congress?

– Schools?– Conventions do!– Businesses (that stay in business)do!– Practices do!– Families do!

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Personal Finance

• This game is like Sudoku – fitting the puzzles into each piece each month/ quarter.

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Personal Finance

• Those who fail to plan, plan to fail.• Think about a diabetic patient, and setting

up their routine…. Would you just ‘hope it happens?

• When it comes to wealth – there is nothing more important than time– Choice: Which to prefer, $1,000,000 today – Or– $0.01 a day, doubled every day for a month?

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wk 2

1 $0.01 8 $ 1.28

2 $0.02 9 $ 2.56

3 $0.04 10 $ 5.12

4 $0.08 11 $10.24

5 $0.16 12 $20.48

6 $0.32 13 $40.96

7 $0.64 14 $81.92

wk 4

22 $ 20,971.52

23 $ 41,943.04

24 $ 83,886.08

25 $ 167,772.16

26 $ 335,544.32

27 $ 671,088.64

28 $ 1,342,177.28

wk 3

15 $ 163.84

16 $ 327.68

17 $ 655.36

18 $ 1,310.72

19 $ 2,621.44

20 $ 5,242.88

21 $ 10,485.76

wk 5

29 $ 2,684,354.56

30 $ 5,368,709.12

31 $ 10,737,418.24

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Key to having savings add up

• Is to not be in debt for other things – as quickly as possible

• ‘Productive debt’ is ok… as long as

• How to reduce current debt?

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Two methods will give here

• You should pick one • www.daveramsey.com/tools/budget-forms/• Budget these categories:

– Charity– Saving– Housing– Utilities– Food– Clothing– Transportation – Personal

• Insurance• Child care• Entertainment

• Forms are on website

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Veritas Financial Ministries

• Start with tracking expenses.– Free tool online– Note book, apps smart phone….. How much did you

pay for that?

– Expensify– Hello Expense– MoneyWise– Think back to last 10 things you spent…. Anything – Cash, CC, debit,

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Then put in budget

• Dave Ramsey likes envelopes for all• Phil Lenehen will still do credit cards• We have found CC for gas, but cash for all else

with envelopes is easiest, and best• With irregular veterinary income, we ave 3

months, and apportion.• We keep food (include eating out) low by renting

movie, and making pizza – family movie night on Friday and Saturday. Library has free movie rental.

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What happens when out of money on 15th of month?

• Use It Up, Wear It Out, Make It Do, or Do Without• You can have anything you want but you can’t have everything you want.

• Making a commitment to conscientious, intentional personal money management means making some choices. You need to develop the skill of discerning what best serves your goals.

• It is very hard to get rich quick…• It is very easy to get rich slow

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Time is your fiend

• Tale of two brothers, Ray and Jim.

• Jim: started working for Osco at 18, and put $2,000/yr in IRA for 10 years.

• Then stopped contributing.: total contribution = $20,000

• Ray

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Time is your friend

• Ray his brother, went to veterinary school – and graduated at 25, and started contributing to his IRA at age 28.

Contributed $2,000 / year from age 28 – 65

Total contribution = (65-28= 37 x $2K = $74,000

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Time is your friend

• Assume both put in Vanguard S&P 500 Index fund (VFINX ) last 10 yrs, 7.45% (lifetime 10.82%)

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The Solution: Pay attention to Derailers

Personal fulfillment.

Marriage

Children.

Personal finances.

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Personal Fulfillment

• Exercise– How many have exericised at least 20 min

1x/week every week past year?

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Personal Fulfillment

• Exercise– How many believe their life would be better –

have more energy, if they exercised one day / week every week for the next year?

– Depending on where you are in your journey, that may be different, but start. For some, a walk around the block… twice.

– For others, training for a marathon is the next step

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Personal Fulfillment

• Physical

• Dreams

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Personal Fulfillment

• What are your dreams?– What were your dreams before you entered

veterinary school?– After graduation, what was your dream?– What dream got changed because of ‘work’,

married ?

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Personal Fulfillment

• What are your dreams?• Dreams are what animate and thrive and energize

or life.– Idea for now & when get home:– Take 15 min and write down your dreams.– When home: you and your wife/ husband, boyfriend,

girlfriend: write down dreams in a dream book

• Read through dream book before your exercise

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The Solution: Pay attention to Derailers

Personal fulfillment.

Marriage

Children.

Personal finances.

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Legacy Achiever – and peace in lifeSpin the balance of

• Faith – 10 minutes a day• Family

• Finances

• Physical Health • Social Contribution• Continuing Education

– Sound impossible?

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Myth of perfect balanceNot a destination

but a regular ongoing constant adjustment

Personal fulfillment.

Marriage

Children.

Personal finances.

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Legacy Achiever – and peace in lifeSpin the balance of

• Faith

• Family

• Finances

• Physical Health

• Social Contribution

• Continuing Education – Sound impossible?

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Questions?

Motivation

If I said: I’ll give you

$1,000,000

if you paid attention to each of these six categories every day for the next 30 days,

how many think you could do it?