How to Overcome Obstacles and Achieve Financial Independence

How to Overcome Obstacles and Achieve Financial Independence

Based on what Business Owner and Author Rob Kiyossaki of Rich Dad, Poor Dad states, there are five main reasons people may not have the freedom to produce large sums of cash flow within their lifetimes.


These five reasons are:

  1. Fear
  2. Cynicism
  3. Laziness
  4. Bad Habits
  5. Arrogance



Everyone has a fear of losing money, it is sometimes inevitable. Even the rich face it. But it’s not the fear that is the problem.

It’s how you handle that fear. It’s how you handle losing. It’s how you handle failure that makes the difference in one’s life.

And that goes for everything in life, not just money. The biggest difference between someone becoming wealthy and someone becoming poor is how they handle that fear and channel it into a learning experience or a short-term adversity that will eventually be overcame.

Think like a Texan, and in Texas everything is bigger. When Texans win, they win big. And when they lose, they tackle a huge loss.

Nobody likes losing, but it’s a Texan attitude towards risk that I admire. It’s how they handle life and live it big that most people shy away from because of the fear of losing it all. The strategy of “playing it safe” is the greatest reason most people lack to have gained financial success.

Nearly 90% of the American public struggles financially because they play not to lose.

They don’t play to win…

Losing inspires the winners to keep moving forward. For example, to be a professional golfer, losing a ball to the neighbors yard or losing a tournament only inspires golfers to become better, to practice harder, and to study more. That’s what creates improvement. For losers, losing defeats them. For winners, losing inspires them.

Don’t get me wrong, it’s O.K. to be safe and have a sensible well balance portfolio or safe investing strategy. But it is not a winning portfolio, and most of us are young and have higher ability to take on risk given our longer time horizon.

If you have little money and you want to become wealthy, you must first be FOCUSED, not balanced. If you look at anyone who is successful, at the beginning they weren’t balanced. Balanced people go nowhere and stay in one spot. TO MAKE PROGRESS, you must first go unbalanced. Think how you made progress walking or learning to ride a bike.

Do not do what poor and middle class people do; Which is PUTTING THEIR FEW EGGS IN MANY BASKETS. If you have dreams of freedom, then PUT A LOT OF YOUR EGGS IN FEW BASKETS.


 All of us have doubts in many things we believe or do. “I’m not smart”. “I’m not good enough”. “So, and so is better than me”. Our minds always play “What If” games with us. These words of doubt often get so loud that we fail to act or push forward, causing us to stay with what is safe and let opportunities pass us by. EVERYONE HAS FELT THIS WAY!

This “noise” is either created inside our heads or comes from the outside, and the real world is simply waiting for you to get rich. In other words, cynics criticize, and winners analyze. Criticism is cynical; someone who criticizes lets their doubts and fears close their mind instead of analyzing or open their eyes. Analysis allows winners to see that critics were blinded, which gives them opportunities that everyone else missed.

Let’s give the example of KFC…

At the age of 66, Colonel Sanders lost his business and began to live on Social Security checks. He couldn’t live off it for long so he went around the country selling his recipe for fried chicken. He was turned away over 1,000 times before someone said “yes”. From there, he went on to become a multimillionaire at an age most people started quitting. He was persistent and brave.

So, when you’re in doubt and feeling a little adversity, do what Sanders did with his little chicken. He fried it.


Busy people = unproductive, lazy people.

For many of us, we grew up being told that thinking about greed or desire is bad.

“Greedy people are bad people” or “You only think about yourself”.

Our world progresses because we have people living in it that are a little greedy. Without a little greed, the desire to have something better, progress would not be made. Our world progresses because we desire something better. We get an education and study hard because we want that better job or that greater opportunity later down the road.

Eleanor Roosevelt said it best:

“Do what you feel in your heart to be right- for you’ll be criticized anyway. You’ll be damned if you do, and damned if you don’t”.


Our lives reflect our habits more than our education. Bad habits are easy to start but hard to break and Good habits are hard to start but easy to break.

Those bad habits will never leave you, but they can be minimized and nearly eliminated by becoming self-aware of the habit and DECIDING to change using strong self-discipline.

Forcing yourself to strengthen your self-discipline will help you block those bad cravings and feelings and channel you towards creating powerful life changing actions.

(Going to touch on Habits more in later blog!….)


Arrogance is ego + ignorance. This is devastating for overcoming obstacles…

What we don’t know loses us money. Every time we become arrogant we lose opportunities to make money in investments, real estate, etc. It’s that egotistical feeling that you think what you don’t know isn’t important.

There are many people in the world of money (finance, investing) that have no idea what they’re even talking about. Most people in the money industry are just throwing out sales pitches like car salesmen.

Be smart with who you trust you’re money with and understand or challenge your advisors on making sure it is their fiduciary duty to put your life as a top priority in their profession as a financial advisor!

When you are ignorant in a subject you have absolutely no idea about, start educating yourself by finding an expert in the field or find a book in the subject. In other words, create more value to yourself and to others by educating yourself in fields you have no idea about.


There are five main reasons people may not have the freedom to produce large sums of cash flow within their lifetimes.

These five reasons are:

  1. Fear
  2. Cynicism
  3. Laziness
  4. Bad Habits
  5. Arrogance

I referenced this work from the book Rich dad, Poor Dad by Robert T. Kiyosaki, I hope these concepts/reasons are useful for you in your daily life. And again, I will be elaborating on each of these topics in further blogs!!


Make TODAY Count.




Hey Everyone! I'm really excited to announce that I will be officially starting cooperbrunnerfitness! To give a quick overview, I will basically be discussing concepts or frameworks I've learned through research that I believe are critical to learn to become a disciplined, successful individual in all aspects of life. Your probably wondering.. Why are you all of the sudden deciding to become a blogger? Well... For years I have been studying/reading about influential people (Warren, Gary V, Tony Robbins, Zuck, Jobs..) that began with nothing and incrementally worked their way into becoming successful entrepreneurs. My hope is that while writing these blogs, I can ultimately inspire you to change your life and conquer those challenges you face everyday that block you from your goals. By no means am I saying that everything I talk about is the magic secret to success, but by reading the content I write about, hopefully you can take away some small tips/advice that can help inspire you to create ways on improving your life and the others around you. MAKE TODAY COUNT.

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