Why Achievers Understand ‘TOO SOON OLD! TOO LATE SMART!’ Concept So Well?

Too soon we get old, and too late we get smart is the old Yiddish proverb! Generally, under-achievers get smart too late in their lives. By the time, when they are smart, they are also too old to be able to reap many benefits from life after being smart. Achievers seemed to understand this concept “Too Soon Old! Too Late Smart!” so well that they want to be smart first before they are too old to achieve anything or whatever goals they set in life.

Achievers understand that by making slow and steady contributions just to win the day they don’t have to rush later in life. They can then enjoy their fruits of labors while they are still young. They start their day early; investing everything they can afford to, and they know that the resources they invested in are working for them in the long term to bear fruits of successes for them.

Under-achievers fail to understand themselves well enough in their relations with their environments and interactions to be able to make very decisive choices to be smart. Their stubborn characteristic and fear of failing prevent them from being smart to learn from the processes. Instead of moving on and learning something from that encounter, they devoted their time and resources in doing things that they could never excel in and they will complain about life and grow old in the process.

Times flies! Achievers want to learn so fast and they want to become smart fast before they are too old, enjoying all their fruits of labors. They will make informed decisions and they are rational in abandoning activities that are not productive, not leveraging enough or they can never be good at from their in-depth understanding of themselves even if they have the perseverance to continue doing them. They understand themselves so well that they want to make very decisive judgments to succeed before they are too old.

More often, underachievers describe themselves as living a boring or conflicted coexistence that makes economic sense but lacking in excitement or emotional satisfaction. Much of their difficulty in developing & sustaining personal relationships resides in their failure to recognise, in themselves as well as in others, those personality characteristics that make them a poor candidate for a committed relationship.

Under-achievers often ask for medication. They are tired of their sad mood, fatigue, & loss of interest in things that previously gave them pleasure. They are having trouble sleeping or they sleep all the time; their appetites are absent or excessive. They are irritable & their memories are shot. Often they wish they were dead. They have trouble remembering what it is to be happy.

From my research into the behaviors of under-achievers, there are certain recurring themes in their stories: Others in their families have lived similarly discouraged lives. The relationships in which they now find themselves are either full of conflict or “low temperature,” with little passion or intimacy. Their days are routine: unsatisfying jobs, few friends, lots of boredom. They feel cut off from the pleasures enjoyed by others. They tend to devote great amounts of time & energy to efforts to assert control over what happens to them in their uncertain progress through life. They are taught to pursue an elusive form of security, primarily through the acquisition of material goods & the means to obtain them. There is a kind of track that they are put on early in life with the implicit suggestion that, if they ‘succeed,’ they will be happy.

Achievers will look at the way they are living with an eye to change. They will not be always talking about what they want, what they intent. Those are dreams and wishes, and are of little value in changing their mood. They are not what they think, or what they say, or how they feel. They are what they do. They educate themselves that not being in control is a popular illusion closely related to the pursuit of perfection. They have come to understand that such a world is impossible, sometimes they would even go to great lengths to achieve whatever control they can over those around them through the exercise of power or manipulation. Instead, they would learn to be smart and go on to do what they can achieve every single minutes of their time and achieve a lot more out of life as compared to most under-achievers.

Learning to be “Too Soon Smart! Too Late Old!” will take some form of paradigm change and education for the under-achievers before they can achieve some success in their lives!

Here are 30 true things under-achievers might need to know, re-educate and change themselves for more success in their lives.

1.If the map doesn’t agree with the ground, the map is wrong.
2.We are what we do.
3.It is difficult to remove by logic an idea not placed there by logic in the first place.
4.The statute of limitations has expired on most of our childhood traumas.
5.Any relationship is under the control of the person who cares the least.
6.Feelings follow behaviour.
7.Be bold, & mighty forces will come to your aid.
8.The perfect is the enemy of the good.
9.Life’s two most important questions are ‘why? & ‘why not? The trick is knowing which one to ask.
10.Our greatest strengths are our greatest weaknesses.
11.The most secure prisons are those we construct for ourselves.
12.The problems of the elderly are frequently serious but seldom interesting.
13.Happiness is the ultimate risk.
14.True love is the apple of Eden.
15.Only bad things happen quickly.
16.Not all who wander are lost.
17.Unrequited love is painful but not romantic.
18.There is nothing more pointless, or common, than doing the same things & expecting different results.
19.We flee from the truth in vain.
20.It’s a poor idea to lie to oneself.
21.We are all prone to the myth of the perfect stranger.
22.Love is never lost, not even in death.
23.Nobody likes to be told what to do.
24.The major advantage of illness is that it provides relief from responsibility.
25.We are afraid of the wrong things.
26.Parents have a limited ability to shape children’s behaviour, except for the worst.
27.The only real paradises are those we have lost.
28.Of all the forms of courage, the ability to laugh is the most profoundly therapeutic.
29.Mental health requires freedom of choice.
30.Forgiveness is a form of letting go, but they are not the same thing.

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Why Achievers Set Goals That Are In Harmony With Each Other And In Line With Their Values?

Achievers and under-achievers set goals. Yet, most goals set by under-achievers remain unfulfilled. Goal setting is the most important tool achievers have learned to use to leverage their success. Achievers are very focused in their lives and they use goal setting to create their destiny. Focus is the one key quality that is consistently found in people who are high achievers. Yet through the years, in study after study, it is found that only 4 percent of the population ever set goals by writing them down. What is even more astonishing is that the 4 percent of people who write their goals down achieve them almost 100 percent of the time. If goals setting are so powerful, and successful, then why do so many under-achievers not actively engage in creating their own destiny?

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Achievers know where they want to go and they have a sense of purpose or meaning in life filled with dreams and visions which they would like to achieve. Their goals are dreams with deadlines which propel them on their journey of self-discovery and self-achievement.

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Under-achievers don’t have goals. They have wishes, desires, hopes, and dreams. Dreams come to them as they go about their daily life. Wishes dart in and out of their daily consciousness. They think of new interests they will like to pursue, changes they like to make, and great things they hope to achieve someday. They are pretty sure they have the ability and fully intend to do all those things sometime in the future.

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It seemed that goal setting is the single most important life skill that unfortunately over 96% of under-achievers never learn how to do properly. Goal setting affects every single area of your life, whether it is financial, physical, personal development, relationships, or even spiritual in nature. Not surprisingly, it’s those top 4% that earn most of the money, or who are the best athletes in the world, or achieve optimal health and happiness in their lives, while the greater majority of people spend their days griping, complaining and blaming about those top achievers.

What the achievers have learned to do when setting their goals which the underachievers do not know is to set realistic goals that are in harmony to each other and in line with their values. Goals set by achievers are clear & concise. They will make sure they are written down and have deadlines. Under-achievers write goals that are not clear & concise without an expected date of attainment. The main difference here is achievers set goals and under-achievers set a wish. Wishes are okay if waiting for someone else or something else to grant the under-achievers. You see, achievers make sure that they breathe life into their goals so they can have the strength to prod them along the path of success. The key to the achievers’ goals is it must be in harmony with their life's priorities. If they aren't, they will either experience disenchantment if they attain them, or more likely, they experience a frustrating series of sub-conscious self-sabotage that under-achievers always experienced.

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Achievers never set conflicting goals in life or they will be conflicted. Their goals are always in harmony with their core beliefs and self-assigned purpose in life which they understand that to have conflicting goals will raise their stress levels and frustrate them. Yet, under-achievers do that to themselves all the time. It is not so easy to understand that under-achievers may have some deep-set unconscious game plan for their life (whether from some basic spiritual urge or from some sense of undefined purpose) and the goals they set may actually be in conflict with that really desired.

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Decide if you are an achiever and what you are here to do and then set your goals in alignment with yourself, on a subconscious or super conscious level? Goal setting is something that will transform your life, because mastering the process of setting and achieving goals is at the heart of life itself. The energy generated by repeatedly setting and achieving your own goals is an energy that can work miracles. Nothing you will ever do can even approach the motivating power that comes from setting demanding goals, measuring your progress toward them, and then systematically achieving them.

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Effective goals will keep you incredibly focused. Nothing will get in your way. Effective goals will liberate you rather than shackle you. They will improve the quality of your life. Effective goals will give you life balance, they will motivate you, they will challenge you, and they will allow you to create your own destiny. Without goals, you can only dream your dreams just like an under-achiever!

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Yours Sincerely

Sean Toh &

Credit Plus Health's Team

Why Achievers Maintain High Level Of Health And Physical Energy?

Have you ever wonder why achievers have so much energy overcoming great challenges and yet achieve what they set out to do? After researching and reading into people of great successes, I realize that all these achievers have created for themselves a health plan to enable them to have far more physical energy and also to maintain a high level of health that allow them to strive for the greatest success they always desire.

Achievers know that the better they take care of themselves, the more calm, positive, and creative they will be. This is why often their best thinking, their best ideas and their best decisions come after a holiday, vacation or period of rest. They increase the quality of their lives by eating right and getting the right amount of rest. They also find that by taking more time off they create more opportunities for high quality thinking time which will have a positive effect on their lives, career and income. They enjoy high levels of health and vitality and they also understand that their current levels of energy and physical well-being are perhaps the best indicator as to how well they are currently doing in your life.

The best investment an achiever can ever make is his body. It pays for itself over and over again, every minute, every hour and every day. As he develops the habit of good health, nutrition, exercise and overall proper care for his body, it affects every other area of his life in a healthy and positive way as well. The quantity and quality of his energy flow deeply affect his emotions, thoughts and reactions. The quality of his relationships, productivity, creativity and health all depend upon creating a high level of harmoniously flowing energy.

Simple techniques and methods that have been researched and proven to maintaining high levels of vitality and physical health that have been incorporated in an achiever’s lifestyles should be;

1.Maintain a proper diet. Eating a proper diet requires that you eat more fruits, vegetables, whole grain cereals, and more lean sources of protein. Eat more fish, chicken, prime cuts of meats, egg whites, low fat yogurts, and soy products. When you eliminate most fats from your diet and replace them with high-quality vegetables and lean-sourced protein you'll increase your levels of energy, clear your mind, and lose weight.

2.Maintain proper hydration. Water is one of the greatest aids to good health that you can possibly consume. Studies show that you should drink eight glasses of water daily and more if you're doing physical labor or exercising. In fact, medical studies have shown that as much as 70 percent of all health problems can be eliminated or reduced by increasing your water consumption. This is mainly because of the tremendous amount of toxins and impurities that you flush from your body when you drink water.

3.Maintain the proper weight. This simply means that you should eat less and exercise more. The way you think plays a dominant role in your eating and exercise habits. For example, under-achievers who are overweight often think about the pleasure of eating and give little or no thought to how they will look and feel afterwards. Whereas achievers who are never overweight are usually very thoughtful about how they will look and feel after eating. They don't like the feeling of being full or looking fat, so they eat less and stop eating sooner.

4.Get the right amount of exercise. Studies show that on average you need to get 200 minutes of exercise weekly or about 25 minutes per day to maintain a high level of fitness. You can get daily exercise from a variety of activities such as, walking, swimming, cycling, golf, tennis and exercise equipment. Perhaps the best exercise you can get is doing aerobics for 20 to 30 minutes, 3 to 5 times per week. One important note on exercise: Before you start an exercise routine you should get a complete medical check-up.

5.Get the right amount of daily vitamins and minerals. It's almost impossible to get the right amount daily vitamins and minerals that you need from diet alone. This is why you should at the very least take a multi-vitamin each day. Opinions vary widely on which vitamin, mineral and herbal supplements are good and how much of each you should take. You should consult your doctor or a nutritionist before you start taking other supplements in addition to a multi-vitamin.

6.Get the right amount of rest and relaxation. You need 7 to 8 hours of sleep each night to be fully rested. It's important that you give your body, mind and emotions time to recuperate from the day. You can take a short 20 minutes nap during the day. Have at least one day set aside during the week just for your family and recreation where you don't think about your work at all. Here's an important rule to remember: The time when you most need time off is when you don't have time to take time off.

7.Breathing techniques are essential for the abundant flow of vital energy throughout the body and mind. Bio-energy is the basis of all physical and mental functions. Breathing exercises are one of the most effective ways to increase our energy level and keep it steady and harmonious so we will be less susceptible to low emotional states or illness. We should, however, have the guidance of person experienced in breathing techniques before we begin.

8.Creative self-expression is much more important to our physical, emotional and spiritual health and harmony than most people imagine. Man is a creative being. Our purpose on earth is to create in some way. We might create a family, a business, a farm, a painting, a piece of music, a dance, etc. Creative self-expression is essential for our health, harmony and happiness.

9.Discover your spiritual orientation. Each of us has his own personal relationship with the universe. Whether or not we adhere to any particular religion, it is important for our inner balance that we feel and cultivate our relationship with the whole as humanity, as nature, or as God.

10.Increase your self-knowledge of your body. We need to comprehend our own inner mechanisms, needs, desires, fears, expectations, beliefs and subconscious workings in order to free ourselves from the negative emotions, mechanisms or which undermine our health, happiness and relationships.

Achievers think of their body as a machine that is designed to last 100 to 120 years with the proper care and maintenance. They take good care of it and feed their body the proper foods and nutrients. Drink lots of water. Exercise regularly. Rest and recuperate, and give their body a chance to recharge on a regular basis.

The phrase that "you become what you think about" is never truer than when it comes to eating and exercise. The way achievers think about food and exercise determines how much they eat and how much they exercise they get. If achievers change their thinking about food and exercise, underachievers should change their behavior toward both so as to maintain high level of health and physical energy to spur themselves into greater heights!

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Sean Toh &
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Why Achievers Set “Peace of Mind” As Their Highest Goal?

Achievers seemed to be able to maintain a state called “Peace of Mind” when they are striving for their goals. When their mind is in a state of “Peace”, an achiever has more mental resources and energy to think best and excel in making the best decision than the under-achievers in the journey of pursuing success if he encounters challenges.

One of the highest and most important goals an achiever set is the goal of having “Peace of Mind”. By setting this goal and working towards achieving it, achievers hold themselves to the standard of inner peace, and they will find that every decision they make will turn out to be the best decision. They have more energy, enthusiasm, and become more creative. They become a kinder, gentler, and a more loving person. When they set “Peace of Mind” as their standard, they will tap into a source of wisdom that will guide them without fail toward doing and saying the right things in every circumstance.

Most under-achievers have peace of mind only when they are asleep. Perhaps this is possible only when they are physically tired or exhausted, and the urge to sleep is stronger than the need to have peace of mind. The trouble lies in the under-achievers’ mind. Their mind is made up of fear, self-pity, insecurity, and failures, to name a few. All of these are products of negative thinking that pollutes the mind unnecessarily.

Achievers face troubles with courage by casting out the negative feelings of fear and insecurity. Empty their mind of all these negative habits and they don’t leave their mind empty for long to prevent it from leaning back to the negative side. They will cast out all the negative thoughts by emptying them from their mind, and refill with positive and inspiring thoughts.

A troubled mind is like a storm in your mind. Once the problem is gone, you will have peace of mind. Try to build a strong foundation of positive attitudes so that when another storm hits your mind, you’re prepared to face it. This is similar to practicing positive attitudes.

There are many ways to generate a peaceful mind. Think of words that suggest a calm mind - words like tranquil (a tranquil sea), serene, harmony, and stillness. Read poems, phrases, and excerpts that suggest a peaceful mind. You can also join group talks where the discussion is centered on how to achieve a mind harmonious with peace, love, and happiness. If you prefer to be on your own, moments of silence can make you obtain peace of mind. The library is a suitable place to be in. Pick up a book that suggests peace of mind and you may be able to find other means to obtain your objective.

Another good way is to use visualization. You can try visualizing peaceful scenes in your mind. For instance, you can initially picture in your mind a rainforest being battered by stormy weather. Branches of trees are vigorously swinging in all directions. Everything seems to be chaotic, just like a troubled mind. But storms don’t last. They move on. When they leave, sunshine or good weather comes in.

Another very effective method is to practice quiet meditation on a daily basis. You should set aside 30 to 60 minutes each day for meditation. When you begin to practice meditation on a daily basis, you’ll begin to experience a flow of energy coming into your mind and body. You’ll have a tremendous sense of well-being, and a stream of ideas will flow through your mind. And, most importantly, you’ll get the answer to the most important situation facing you every single time you meditate.

Do these processes as often as necessary - every time you think you need to. By repeating this process, you are practicing good habits aimed at keeping your mind free of negative thoughts and full of positive vibrations to achieve peace of mind.

Ultimately, this habit will become part of your daily activities until you get used to it. Once you do, you will find everything you do to be positive based in an effortless manner.

Set peace of mind as your highest goal. Associate only with achievers and work in situations that make you happy and contribute to your sense of inner peace and well-being.


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Yours Sincerely
Sean Toh &
Credit Plus Health's Team