Are you happy with the 45-Year Plan?

Have you ever heard of the 45-Year Plan?

Watch this video, and I’ll explain it to you….


So what is the alternative?


Well, they reckon that about 5% of the population is financially independent or rich. The rest are surviving on benefits, or are following the 45-year plan.


The 45 Year Plan

The 45-year plan is what we are taught at school:

Work hard, get good grades, get a job.


So you get a job after leaving school/college/university and usually your income rises over the first few years as you gain experience, business knowledge etc. Then you reach your peak earnings, usually around age 30, and your income will usually stay about the same level, rising a little with inflation, maybe dropping if you have to look for another job. Then, at around 65, you retire.

You retire and have lots of time……. but no money. You are now living on a state pension, and maybe a company pension if you have been disciplined enough to pay into it for the last 45 years. They often don’t amount to much.


This is what the 45 year plan looks like…


The top 5%

Now there are some exceptions to this. The top 5% are rich, or financially independent. They usually become rich by having their own businesses.


Why don’t we all start a business?

Most people don’t want to start their own business. There are usually high start up costs, the risk of what if it doesn’t work, problems with staff, all sorts of reasons.


The alternative?

An alternative to the 45 year plan, living on benefits, or risking it all in a traditional business, is a Home-based business.


Home-Based businesses are really taking off now, from using and promoting healthy aloe-vera products, marketing utilities, and home shopping such as Avon or Kleeneze (my home-based business).


So why are they better than starting a traditional business, or just sticking to the 45-year plan?


There are many benefits to having a home-based business…

  • Flexible Hours
  • No Boss
  • Take time off when you want


But the biggest benefit is the residual income.


Home-Based businesses usually follow a model where there are two ways to earn income.

  1. Commission from your own sales.
  2. Bonuses from sales of people you introduce to the business. 

and the second of these provides the residual income.


Typically, you start your business, and sell some product or service, then you share the opportunity with a friend. He also sells some of the product and service, and you get some extra bonus as a result. You introduce another person to the business, and your friend introduces one or two, and your bonus gets bigger. And so on.


If you persevere, support and coach your team members, your income changes from the 45 year plan (see above), to this…


45 year plan - the alternative



As you can see, it can take a while before your team members start recruiting people, who start recruiting people, and so on, but when they do, that is when your income takes off.


THEN, when you retire, you have a lot of time on your hands, AND money to spend aswell.


If you’d like any more information about working with me, just enter your details in the boxes at the top of this post.


Bye for now,

Chris Smith

Be the Leader You Seek

We all want to be inspired.

Do you ever get that feeling where you want to do something, you want to achieve something…… you’re not quite sure what yet, but you are waiting for some inspiration!


Often – we look to leaders for our inspiration, but I have an alternative for you. Read about it here, or watch while I explain my thoughts…


So – you are looking for inspiration, for that charismatic speaker who inspires an entire audience to go out and achieve!

He stands in front of you, calling you to take action, to go for your dreams, to put a plan in place, and take that first step on your journey to success.


So I ask you a question – have you found that leader yet?

Have you found the inspiration that will get you off your bum, and encourage you to take those actions that you know you must take?




Well I have a suggestion for you.

Instead of searching for that inspirational leader, why not become him.


Become the Leader you Seek


Last year, I felt that I was losing enthusiasm for my business. I knew it worked, I have seen all of the evidence, I know people who are incredibly successful in the business, but it was not really working for me, as quickly as I wanted it to.


I attended various business meetings, and saw those successful people speaking about how things worked for them, and I realised that I wanted to be like them. I wanted to be the Successful Leader, but I realised that, rather than simply seeking out a successful Leader, I should become that successful Leader.


What does that mean…. “Become the Leader you Seek”?

Well – for me, I decided to write down what I looked for in a leader. A leader must….


  • Be confident
  • Speak from experience, not just from a text book
  • Be professional in their dealings with everyone
  • Be willing to share – ideas, knowledge, etc.
  • Be constantly learning
  • Be a good communicator – to individuals and audiences
  • Inspire me
  • Care for people
  • Be a good example
  • Encourage People


There are many other attributes – and you should write down your own list of what you would look for.


Now, when I had written down the attributes that I would look for in a Leader, I decided the best way for me to progress, the best way form me to “Become the Leader I seek”, was to adopt these attributes myself.


If I became more confident, if I practiced everything that I preached, if I dealt with everyone in a professional way, if I shared my knowledge with people, if I kept reading and learning, if I improved my communication skills, if I cared for people, set a good example, and I encouraged people, then I would become a Leader, and I would inspire myself!


You see, the beauty of this approach is that you can start to become the leader you seek, today. You do not have to wait until you have found the right person. It could be years and years before you find just the right inspirational leader. YOU are the right person to inspire yourself.

and you can start in your new role NOW.


Come on – off you go!


Best wishes

Chris Smith

25% of people want to own their own business

I saw an article the other day that said “25% of people would like to own their own business”.



Now they do say that Britain is a nation of ShopKeepers, but even so, this figure surprised me, because I see so many people out there just looking for jobs, not looking for ways to start a business.


However, I have been self employed for over 6 years now, and I know that it is not as hard as it sounds. The boom in home-based businesses has transformed the way people can earn money.


There was a survey done some time ago, that looked at 100 25 year olds, and found that, by the time they are 65…

  • 1 will be rich
  • 4 will be financially independent
  • 6 will still need to work
  • 32 will be dead
  • 57 will be dependent on the state


Now the top 2 groups (i.e. 5% of the survey) typically own their own business, so clearly that is the key to having a wealthy lifestyle.

However, most people do not want to start a traditional business, because you need to have a large lump sum to get started, or remortgage your home, or take out a huge loan. You usually have to work for 2-5 years just to break even, and are tied in to rents, rates and other overheads.


So what are the alternatives?


As I mentioned earlier, the rise in Home-based businesses give you the freedom and earnings potential of a traditional busines, without the risks and costs of a traditional business.


My home-based business of choice is Kleeneze. It has been around for such a long time, it is a tried and tested business with a well-known Brand, so it is really easy to see how people earn money just delivering catalogues, and showing other people how to do the same. Work hard, build a strong team, and the residual income gives you the financial independance that you could never have with a job, without taking the huge risks of starting a traditional business.


If Kleeneze is not for you, have a look around – there are lots of opportunities out there.


If you would like some more info about working with me, just enter your details on the boxes on the Right.


Bye for Now


Chris Smith 🙂


Design Your Best Year Ever

I saw Darren Hardy speak at a Kleeneze showcase in 2011, and I really liked what he had to say. Very motivating, Clearly a very driven man, and with a lot of advice that clicked with me.


As part of the conference gift pack, we received a copy of one of Darren’s books – “Design Your Best Year Ever


If you feel like you are drifting along in life, never making any progress, promising that this year is going to be different, but then it never is….. then this is the book for you.


It is all about goal setting:

  • Dreaming big;
  • Breaking the dreams down into manageable chunks;
  • then setting yourself small achievable tasks so that you achieve your dreams.


The book is split into two halves.

  • The first half explains how to set fantastic goals, and then how to achieve them.
  • The second half is a workbook, that takes you through a whole year, week by week, monitoring your steps, until you have achieved your goals.


It really does help you to do what it says on the cover. Don’t just hope for a good year, but DESIGN YOUR BEST YEAR EVER.


I found that it really keeps you focussed, keeps you concentrated on the important things to achieve your goals, not the day to day distractions that leave you with nothing.


If you are an action-taker, but need some structure to help you achieve your goals and dreams, then this is the book for you.


Bye for now,


Chris Smith 🙂

Why do you go to school?

Why DO you go to school?

I have been thinking about this a lot recently.


My daughter, Scarlett, is almost 15, and a few months ago she started a period of work, preparing for her GCSE exams, which will take place, spread out over the next year or so.


I have been helping her with her revision, and my thoughts on this subject have changed ever since I read MINDSET by Carole Dweck.


This is how I USED to think….

You go to school to learn subjects, like Maths, Chemistry, French, Latin, Geography and so on.


During your years in school you find that you are good at some subjects and not so good at others. For me, I was good at Maths and Physics, and not very good at languages.


You work hard to learn the subjects, you get qualifications (GCSEs, A-Levels etc.), which then prove (or at least indicate) to a university, or to an employer, that you are reasonably bright, and good at Maths/French/Cooking etc.


You then went on to a University course, or a job, which was vaguely related to the subjects that you did well at, at school.


So it was a big advantage being Bright/Smart/Clever because you got good exam results and hopefully got a job doing something that you wanted, and got reasonably well paid for it.


Now this way of thinking always made me question why on earth we studied things like Latin, History, English Literature at school – because the number of people who then went on to get jobs that required them to speak Latin, recite Chaucer, or know the names of Henry VIII’s wives, always seemed to be tiny.


This is what I think NOW….

You go to school to learn how to study, and to learn the benefits of working hard.


During your years in school you have to learn a wide variety of subjects. You have to learn different ways of studying them:

  • reading about them;
  • listening to a teacher explain them;
  • watch videos about them;
  • experiment with them.

You have to learn how to present the results of your studies in different ways:

  • You have to talk about subjects (oral tests).
  • You have to be able to think on your feet (applying theoretical knowledge from the classroom to field trips).
  • You have to learn about a subject so you can write up what you have learnt at a later date (exams).
  • You have to work hard to understand something you do not have a natural talent for.


These skills that you learn will then last you for the rest of your lives.

Regardless of the subjects you were studying at the time.


In fact the most useful subjects at school are the ones you are not very good at.

You can probably get by without doing much work on subjects that come to you very easily. The problem with that is, you never learn how to work hard. Then the first time you do have to work hard – in a job, or maybe at university, it is a complete shock to you, and you can get very disheartened and struggle badly.

However, to do well in subjects you struggle with, you have to work out different ways of learning it. Do I learn better by listening to someone talk about it, or by reading about it and making notes, or by experimenting with it?


By working hard, and developing different learning techniques, you are picking up really useful skills.


Then – if you do go to University, or a job, based around a subject that you really like, you can excel at it because you have a natural talent AND you know how to work hard on it when it comes to that.


So actually being Bright/Smart/Clever only gets you part way. Learning how to work hard on something you struggle with will get you a lot further!


This is what I am trying to help my daughter to understand, so hopefully she will leave school with great subject knowledge, a good attitude to working hard, and a knowledge of how to learn things that she struggles with.


Bye for now.


Chris Smith


Don’t spend Major time on Minor things

Do you find you just don’t have enough time in the day? You have so much to do, and just not enough time to do it in?


That’s what I’m like – my to-do list never gets done! No matter how much time I spend doing the things on the list, there are always more things added to it.


Now I think I am a pretty organised person. I have my to do list. I plan my day. I follow the plan. I adjust the plan to hit my goals, and so on. But I always thought I could do more, or I could do things more efficiently.


So a couple of days ago I took a look at what I do, and I’ll share with you my findings.


It all started with these two guys – Jim Rohn and Darren Hardy. You may know them – both terrific authors and speakers on personal development.


One of Jim Rohn’s speeches is about people who spend Major Time on Minor things, and end up spending Minor time on Major things. I think this is one of my problems. I spend lots of time doing stuff, I am always busy, and I work hard. But am I working hard on the right things?


This is where Darren Hardy comes in. Darren explained that if you really want to improve things in your life, you need to measure it. Keep track of what you spend your time on.


So I started keeping a diary of what I was doing. Not every minute, but every half an hour. From when I woke up in the morning, to when I went to bed.


…and I grouped these into 11 categories. They will be different for you, but for me, the categories are…

  • Supporting my team (one to one)
  • Retail (delivering catalogues, orders, etc)
  • Talking to prospects
  • Generating Leads
  • Emailing prospects
  • Team infrastructure (setting up training etc.)
  • Goal Setting
  • Branding myself (my Blog)
  • Personal Development
  • Admin
  • personal stuff (lunch, family things, etc.)

…and every 30-minute slot was allocated to one of these categories.


Then I decided which of these categories are REALLY important to achieving my current goals. My current goals are around increasing my income from my business. I have other goals as well, personal development goals, family goals, health goals, but for the moment, my business goals are my focus.


Here are the categories I decided are my MAJOR ones…

  • Supporting my team (one to one)
  • Talking to prospects
  • Generating Leads

and when I analysed the time I spent, I found that I was spending 26% of my time on these items, and 74% on other things.


So clearly I have been spending MINOR time on MAJOR things. Time for a change. If I am serious about my business goals, I need to spend more time on them.


Over the next couple of weeks I will be thinking a lot more about what I do, and my aim is to spend AT LEAST 50% of my time on the activities that will have the biggest impact on me achieving my goals.


I will let you know how things progress.


Bye for now


Chris 🙂

Are you a NEET?

This morning I saw this article on the BBC News website – click here. The title was “NEETs lack skills needed for First Jobs”


Now I had no idea what a NEET was, but it aroused my curiousity, so I had a look, and now I do know what a NEET is. See? You learn something new every day.



A NEET is a young person who is Not in Education, Employment, or Training.




The article explains that so many young people leave school and do not continue their education, they can’t get a job, and they don’t do any further training.


They often lack the “soft skills” such as communication, team working and customer service that so many jobs need these days.



And they are stuck in a Catch-22 situation. They don’t have the skills they need, and they can’t get a job where they could learn these skills.


“We know that if young people haven’t got on to the first rung of the job ladder by 24, they will suffer the consequences for the rest of their lives,” said Shaks Ghosh, chief executive of the Private Equity Foundation, which supports the report.


So – are there any solutions? Well one of the options is to join one of the many “Work From Home” opportunities.






I have been working with Kleeneze, the Home Shopping Business, since 2008. Anyone can join (although you need to be aged 18 or over), and it is like getting paid to do a training course.

You will learn communication skills, you will work as part of a team, and you will learn excellent Customer Service skills.


This is a great way to break that Catch-22 vicious circle.


If you’re interested in finding out more, just fill in your details on the Right, and I will send you an info pack.


Bye for Now.


Chris 🙂

Do you want more sunshine?

I’ve been self-employed now for about six years. Before that, I had an office job, pretty much 9 to 5, although usually in before 9 and not out until well after 5.


Now, you know how we Brits like to talk about the weather.


Well I remember two things that used to frustrate me a lot in my office job.












  1. It seemed like, whenever there was any sunshine, it was during the week, and when the weekend came along, it was raining.
  2. In the winter – it felt like I never saw daylight. I would drive to work in the dark and go into the office. Then when I’d finished, I would come out of the office, and drive home in the dark. As far as I was concerned, the sun had not even bothered to come up during the day.


Since I become self-employed (find out more here), and also since I started on this program of self-development, my views have changed. and they’ve changed in two different ways.


Firstly, I don’t worry now about things that I cannot control. That sounds really blase, and it’s probably not entirely true, but I try not to worry about things that I cannot control. The weather is one of those, and the times of the sunrise and sunset is another.


One of my favourite phrases that comes to mind is “There’s no such thing as bad weather, just the wrong clothes


As a result, I don’t really mind if it is dry and bright during the week, and pouring with rain at the weekend.


Now I accept that is a selfish point of view. My daughter recently helped out in a school fair, with lots of stalls and games outside to raise money for the school. it was on a Saturday, and if it had been pouring down, then there would have been a lot of disappointed people there.


But from a personal point of view, I don’t worry about that now.


Secondly, and this is the point that I really want to get acrossas I now work for myself, I can take advantage of the sunshine WHENEVER it is. If it is sunny on Monday and I want to have a picnic by the river, I can do it. I don’t have to ask my boss for a day off.


If it is pouring down with rain on Saturday, and I want to work on Saturday, I can do that too. I don’t need to ask the boss if there’s any overtime going.


So if you are sick of wet weekends, and dark winter afternoons, there is an alternative!

To get more sunshine yourself,  take a look at My Business, and see if you’d like to join me!


Bye for now


Chris 🙂

3 ways to get a pay rise

If you’ve read many of my posts, you will know that I love the philosophies of Jim Rohn. Here is another of his….


You get paid in this life by bringing VALUE to the MARKET PLACE. These are Jim’s words.


Now it may take you some time to add that value. But you don’t get paid for the time, you get paid for the value. You might say you get paid £10 an hour, but that’s not true, you get paid £10 for the value you provide in that hour. If you got paid for the hour, you could just stay at home and they could send you the money.


Is it possible to become more valuable? Absolutely!


Some people get paid £10,000 in a year. Other people get paid £1,000,000 in a year. Do the second people have a way of finding a hundred times more hours to work? NO! They provide more value in each hour!


So – can you find a way to become more valuable? No problem. Learn some new skills. Have a more cheerful attitude at work. They will pay you more. Or if they don’t someone else will.



Think of it like a ladder.

When you first start off at the bottom of the ladder, you probably have just a few skills, and some enthusiasm. They pay you minimum wage, maybe £5 an hour.

But you can climb! Find out what other skills would be useful to the people that pay you, and learn them.


You”ll soon be on the next step. and once you learn how to climb, you can continue! Learn another skill, and another skill. You add more value to every hour, you get paid more for each hour, and you climb higher and higher.



Now. There are other ways to get a Pay Rise.



You can go on strike for more money.

The problem with that is that you just get small pay rises, and you will never get Rich by Demanding that people pay you more money.





Or you can wait for a pay rise…




Really – it is easier to climb.

So, my advice to you is to work out what value you are adding, and then see what you can do to add more.


Bye for now.


Chris 🙂

Are you searching for your hidden talent?

I have recently been reading a book which I’d like to recommend to you. Actually, there’s a couple, so I’ll go through them both…..



The first book is “BOUNCE” by Matthew Syed.


I have admired Matthew Syed for a couple of years now. Firstly – he was a national Table Tennis champion, and in my youth I loved table tennis, and have a lot of great memories from those times, so I was aware of Matthew as a sportsman, initially.


But secondly, as a sports writer and journalist. Matthew often writes articles in The Times, and I always found his articles insightful, going deeper than the usual sensationalist or factual sports reporting.


BOUNCE explains that excellence in sport, or in fact in any walk of life, is nothing to do with talent, and everything to do with purposeful practice.


In the 1980’s, the street that Matthew Syed grew up in produced dozens of table tennis champions – county, national, and international. Was there some strange genetic mutation that the people in that street were exposed to, which gave them special table tennis skills? Of course not. Just round the corner was a table tennis club, open 24 hours a day, and one of the best and most inspiring coaches in the country.


The coach inspired these young table tennis players to practice, practice, practice.


Matthew discovered that any expert, in any field, had generally practiced purposefully for 10,000 hours to get them to where they were.

In fact, having a “talent” for something when you are young can actually hold you back…. I’ll explain that in a moment.

I really enjoyed reading BOUNCE, and Matthew recommended the second book that I wanted to talk about… “Mindset” by Carol Dweck.



Carol Dweck talks about two different mindsets. She calls them the Fixed Mindset and the Growth Mindset.


People with a Fixed Mindset believe that you’ve either got it or you haven’t. You’re talented, or you’re not. You’re Smart or you’re dumb.


People with a Growth mindset believe that you are able to change. You can learn more skills, become better at something, by practicing, making mistakes, learning, improving, and practicing again.


This Growth mindset is what Matthew Syed talks about.


If you have a Fixed Mindset, you believe that if you are going to be successful at something, it is because you have a talent for it. If you try something out, and you fail, then that is obviously not your talent, so better not do that any more, better keep trying new things until you find something you’re good at.


But that leads to very limiting behaviour. If you believe you have finally found something you are good at -You tried it a few times, you were successful, you received some praise, some reward for it – you then tend to avoid doing anything that might put that image of yourself at risk. You want people to thing you are talented, successful, so you don’t want to do anything that shows people you make mistakes. So you keep within your comfort zone, you keep doing the things at a level that you can do, knowing you will be successful at it, but never growing, never trying new things.


However, if you have a Growth mindset, you believe that you can be successful at anything, as long as you practice, practice, practice, find the good coaches, and the good facilities. You deliberately push yourself, make mistakes, learn from them, and improve, then push yourself again, make more mistakes, and learn more.This way you are constantly improving, and becoming an expert in your chosen field.


One great thing about human beings is that we can change. If you have a Fixed mindset, you can change to have a Growth mindset.


So if you feel you are unsuccessful in your life because you haven’t yet found your hidden talent, and you think that maybe you have a fixed mindset, then read BOUNCE, and MINDSET, and you might find a way to be successful at anything you choose.


Bye for now


Chris 🙂