#384 The Direct Debit Of Investing In You And Your Success

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The Direct Debit Of Investing In You And Your Success

What a mouthful and seems very technical

It’s a metaphor   :O)

In the financial world, people talk about capital and compound interest

In the networking world, people talk about social capital

And it got me thinking ‘What about our world, the world of our personal development?‘ -you and me.

How can we use the principles of financial investing and networking that work on ourselves? Digging the well before you are thirsty (that’s not my phrase by the way I’ve borrowed it.

And I have got some ‘How too’s‘ in this episode that I think make sense, are simple (we like simple) and if you do them they will increase your success and confidence compoundly (if that’s a word- it is now).

So come with me on this not too longa dive and let’s learn ways to make our lives better.

Please share all that you learn so you learn even more deeply


Shine brightly


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And the transcript WARNING if you’re a lover of the written word this may make you frustrated, or angry – you have been warned – is it an ‘ism

This is personal development unplugged with Paul Clough




Hey, your heads up for the direct debit of your success. I’ve gone into the financial world and found within the financial world and its setup there are things that we can learn. I’ve gone to the connection world networking world and found there’s something we can use there and put them both together for our own better selves, our own personal development. Have a listen. I hope it makes sense.


This is personal development unplugged, with Paul Clough.

I want to talk to you about investments. Can you believe that? Investments. Hey friend, how we doing today


In simplicity there is genius.


In simplicity there is genius.


Hey friend, how we doing today? And I want to talk to you about investments. Can you believe that? Investments. And no, it’s not an advert.


You see, it’s all about capital. Investing your capital, creating your capital.


And we all know, don’t we?


We all know that if you invest the right way, you get things like.


Compound interest, don’t you? It’s interest on interest and interest on interest on interest.


And I think a lot of people.


Get a bit confused by that. And no, I’m not going to explain it because I get confused by it too. I just know it works.


But I was listening to other people.



Social capital is giving service, selfless


Talk about it, about this, you see, because there was a term and I think it’s still used, called social capital and what social capital, because it was a buzword and maybe it still is, I don’t know.


But social capital was I guess brought.


In around the term networking. Networking in business, especially for entrepreneurs.


But that’s BS anyway, because the social capital of an individual didn’t matter whether.


You’Re an entrepreneur, if you’re working.


Just by yourself, or whether you’re just.


Working with other people.


As an employee, you all required social capital. We all do.


And what is social capital?


Well, it’s your contacts, your contacts in your career.


This is where it came from, the networking. But obviously there’s social contacts as well. And I remember the very, my early days of touching this networking. And it used to be like 1 minute networking, five minute networking.


And it used to just be like hot tables.


You go in there, hand a card over to somebody you did not want to do or give work to other people, you really just wanted work for yourself.


It was so self centered, really was.


There was no social capital at all.


In that.


It was win, not win win. You had to win at all costs, you had to get one up on everything. And that really didn’t work because everybody knew it. And you used to get all those cards and used to put them in.


The bin, you really did.


Apart from the OD, one that you thought a guy was nice. And that’s where the social capital comes from, because you made contacts. And then it changed. And it’s changed. Well, it’s changed for some. And I know the people who make it work.


The social capital is giving service, selfless.


Service for others, to create a network of friends. Not necessarily friends, but business friends, business colleagues, people who you could help. And, maybe one day, one day.


They could help you.


But that isn’t the reason. The reason is just to get this social network. So you just get to, in times of crisis, I guess that’s the real reason for it. You can call upon people just to reciprocate the help that you gave them. So there is a little bit of reciprocation there, I guess. But there is so much more giving than receiving. And it just works. Because what happens is people give back without you asking for the things. Because they feel good about it too. They want to, reciprocate. They want to do things selflessly. And therefore it’s called digging the well before you’re thirsty. Dig the well before you need it.


The law of reciprocity.



Capital and compound interest and social capital all apply to personal development


And you see, you’ve got all of that, and you’re probably thinking now, you are probably thinking, and quite rightly so, where’s he going with this?


What’s Cloughie doing now?


And what the hell’s this got to.


Do with personal development? Self improvement and,


Being better today than yesterday? All that stuff he’s talked about. Where is he going? And that’s exactly what I thought. No, sort of. Because I, listening to all this thing.


About capital and compound interest and also social capital, I thought to myself, this.


Really does apply to our personal development.


To being better today than yesterday. Because it got me thinking, how could we direct these thoughts of capital, compound.


Interest with capital that creates in a, compound interest in us, in our personal development? How could it be directed to creating a better me? How could it be directed to me.


Being a better me?


And, when I say me also.


Mean you, because you’re my mate.


So us, how could this thing about social capital and, if we.


Could model it, what well would we need to dig to invest in us?


Because that’s what it is, isn’t it? We all said it’s investment. Investment in a career, maybe.


Contacts, connections, compound interest. How could we dig a well that actually created something better in us? Good metaphor, I thought, because it’s all about investing in who? Absolutely. Ourselves. But then I thought about it.


It’s not investing in ourselves, in big dollops. I love the word dollop today. Not in big dollops, but in small deposits. I don’t know which one sounds better after when you talk about that, but investing in small deposits that add up over time. So I suppose you could call them regular small dollops.


And I thought, well, how could we invested ourselves over time in regular small dollops that would then create a capital in us and create compound interest, create a network of learning, maybe. Oh, see, I thought learning small investments every day with obviously an intention, got to have a.




Why is it important to you to learn? It’s no point in just saying, oh, I just want to, learn something because I know people, and I know you do, and I’ve talked about it before, who know a bit about everything.


They know stuff that will never, ever be used. But I do think sometimes, on the.


Flip side of that, it’s good to learn lots of different things as well, to keep your interest going, to keep that muscle going, because like this, if.


I wasn’t thinking about capital, compound interest.


And this social capital, I wouldn’t have.


Got this into my head about investing.


In ourselves and creating a capital in ourselves. But actually, just sitting down and maybe reading for ten minutes a day could be something difficult. Because if you. If you read something a little bit more difficult than you can normally handle, your brain starts to work, your unconscious mind really starts to get into gear, and that muscle works. And then when you start to learn other stuff, the stuff that you’re really interested in, boom.


Yeah, compound interest.


The thing is not too much, I.


Don’T want these big dollops, because if.


You start really pushing the boundaries of.


Everything, we can get into overwhelm. And the thing about it is, I.


Said, you can learn. I know people who know a lot about everything, but do absolutely soddle. I know other people who know very, I can say, know very little, but.


Their scope is quite small, but they know it inside out and they use it.


That’s the one I prefer. But then building on that inside out.


Knowing what you know, doing what you do, and, building that knowledge, becoming the mastery or the master of what you know.


So you set, a schedule, as it were.


I’m just going to read something for.


Ten minutes a day. On one day, it’ll be something maybe.


A little bit different, but you’ll see similarities in it.


And another day I’m going to read.


Something on the thing that’s going to.


Really develop me a way of learning, a way of doing something, maybe reading, if you’re like a therapist, you’d maybe dive into a different process, understand something. And I think the more you do.




It’S like compound interest, you will.


Suddenly find that you know so much more and you can do so much more.


So that compound interest is really starting to begin without you knowing it. And isn’t that the thing about, like, investing in small dollops? You don’t really notice it at the time, so it’s not really hitting if it’s. If it was money hitting your pocket that much. But when you look back and you go, crikey, where did all that come from? Because I heard a story, I don’t.


Know the story about this family that.


Didn’T have much money.


And when they got to the end of the week, they had only, a little bit of money left.


Not enough money to buy more food, drink, things like that. So what they would do is they’d go out and buy a lottery ticket with the hope, and I love hope, hope of winning some money.


Don’t know whether they ever did, really.


But I thought, what would happen if they just invested in themselves, as it were, by just putting that small amount.


Of money to one side, even if.


They didn’t put it into a bank or anything.


Maybe four weeks later, they’ve got a whole day’s meal. And I just don’t know why that struck me, because it was more about thinking, well, small bits add up over time.


They do, don’t they?



Start small, small dollops and it’s regular, you start to build


I mean, you try learning something which is really big in a big dollop, you get overwhelmed.


But if you start small, small dollops, and it’s regular, you start to build.


And then you can take on more. So that small dollop, say, a month.


Ago, is completely different to the small.


Dollop you’re doing now. The small dollop you’re doing now is.


Probably twice as big as when you first started, and it’s going to make a difference. See, that’s like the compound interest, isn’t it? So the 1% you’re creating a better you by than the day before, that.


1% is of such a bigger thing, bigger baseline.


And, that’s all maths.


But maths can be good.


But I think it all comes down to the intention you have of creating capital in yourself. I think it’s really important that we.


Do that, because we also get.


I think the more we do it, and we do it in this nice, evolving way, we also get to enjoy it.


We enjoy that.


It’s not so much of a struggle that it’s too hard. But it’s a little bit of a.


Struggle because it’s a little bit different.


But when we look back, we go.


Wow, I enjoyed that. And now look at me now. Now look at m me now look at me now.


Oh, by the way, here’s one thought. I did have this dig in.


The well. Thing is, it’ll never really be dug, will it?


Because you can always dig a little deeper into something. You can always find a little bit more. And, isn’t that exciting? Always something new to learn.


And then when you learn it, creating even more capital is you get to share it. And when you share it, we,


Said you have something, you share it with somebody else, but it’s in your mind, it’s what you’ve learned.


You still have it now they have it.


So you’re helping other people, they will help you. But the thing is, it’s not just sharing.


You get to know that you know it.


You also get to know, if you.


Don’T know it, where you need to invest a bit more.


And because you’re doing it for no want of return, you just want to.


Share what you know, provided obviously people want to listen.


But as you share it, because you can also share it, by the way, that you just hold yourself by example.


You don’t have to tell everybody. You can be the example of what you’ve learned, and it’ll make a difference then.


So you’re making a difference to yourself.


By really honing in your skills, making.


A difference to others, because you’re making.


What you’ve learned available to them, too. And as they take it, on.


You’Re making a difference because you’ll never know how far the ripples of this change will go.


The sharing will go.


I never know how far it goes, but I just know it goes really far and wide.


It’s like that flapping of a butterfly.


On one side of the world, creating a storm of wonder on the other side. And the thing is, I thought about this. it’s a weird thing.


You know, we talk about, do we direct debits?


I don’t know what you call them in, the US, we have them, and if we want to pay a regular installment to somebody, we create a direct debit.


And every month that money goes out.


Of your account and into theirs, you’re investing into that.


Well, what about habits?


Making a direct debit into your own habits. Again, it’s that same thing of scheduling, isn’t it?


One at a time. So there’s no overwhelm. No overwhelm will ever sneak in.


When you are consistent, and that’s what the direct debit is.


It’s a consistent of paying in.


And when you’re consistent, you are creating.


Good habits in yourself.


And therefore, those dollops don’t seem to be, well, they’re not something you would put, oh, no, I’ve got to do this. You go, no, I want to do this because something’s going to happen.


Something’s going to be really good. And the real win of this, I.


Think, is you are ultimately taking responsibility.


For you, it’s our responsibility to be responsible for ourselves. No excuses, then no complaints.


You are at cause because you get to say those words, I get to do this. I’m responsible for my change.


Because you’re responsible for your change.


I’m responsible for my change.


And you can say the same thing. And then with a little help, say, from the hypnosis tracks, we’ve got.


Maybe some past episodes just to spark things in, because sometimes, yeah, we go off track a little bit, and we might want that hypnotrack to bring us back into line. Maybe just set a nice goal, maybe to see things from different perspective, maybe to get creative, maybe to be able to anchor things, set our intentions.


They’re all there, by the way.


There’s 65 hypnosis tracks.



Paul Clough: Investing in yourself is often overlooked


I’ve got@paulcluffonline.com podcast, and they’re all free, so you can just go down there, guys. I was feeling a little bit, oh, there’s 120 minutes.


Boom, that’s your investment for the day. And then we look back, we do our review.


It’s like scheduling a review, and it’s.


Like, really, when you think about investing.


everyone has a. Most people, anyway, have an annual financial review. See how my money has performed. And you look back and say, see.


How I have performed?


Where can I improve?


What have I learned?


And I can even do more of.


Maybe there’s a couple of things that.


I really want to get a little bit better at. I didn’t realize, realize I could do all of this. Now.


This is my interests.


And it all comes down to one.


Blindingly obvious and usually overlooked investing in yourself.


Because no other person will ever do it for you.


No one.


And if we just keep making a.


Small change, every small change will add.


Up to massive results.


And I want you to feel that.


You know, you can do this. You want to do this. Because I don’t know what this part is, other than creating and living the.


Life that you really want. And it’s so friggin easy. It’s also so friggin easy to forget.


And this is why this is a reminder for me.


Reminder for you, I think, because you.


Know, you know this, but sometimes we just need a little reminder.


Little tap on the head. Just oyoi.


Remember this.


It’s only small, but it’s not insignificantly small.


It’s significantly significant.


Remember, regular small dollops.


Enjoy. I hope you enjoyed that. It was something which is completely different to the normal personal, development stuff we do here. But I just thought it makes a lot of sense, taking something from somewhere else and putting into ourselves and noticing we can learn from all different aspects, which is why, when I say learning, learn from different areas of life, you’ll.


Find a similarity somewhere.


Something you can model, something you can use.


So there you, go. Don’t get thirsty. Have fun.


And please do share this.


Because as you said, as I said before, as you share, you will grow. It’s an investment in yourself just to.


Share what you know and do what you know and know what you do.


Become the master of being.


You have. Have more fun than you can stand.


Okay. Bye bye. You are now leaving the uncloved mind of Paul Clough. It’s time to fly on your own. Be brave, my friend.


Personal development unplugged.