You have the right to lunch when you pay for it. There is no such thing as a free lunch. In other words, you can achieve all the dreams and desires that you listed yesterday, but you must give something in exchange for them. They will not just happen. What price are you willing to pay to accomplish your dreams?

Expect to make changes in your life: in the way you spend your time, effort, and money, and in your relationships, habits, education, and career. It is best to be aware of these costs up front. This way you can avoid surprises, and obtain support from the people that will be affected by your plan.

Start with the top priority dream you chose to achieve within the next 3 to 6 months.

Dream _________________________________________________

In order to accomplish this dream I realize that there will be costs. I am willing to pay the following, to make this dream a reality:

Time _________________________________________________

Effort _________________________________________________...