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How To Solve Your Biggest Problem

How to solve your biggest problems

We all have something in our life or our job that, let’s face it, despite our best efforts…

…just doesn’t seem to be working.

Wouldn’t it be great if we could fix that thing?

Today, I’m going to open up and share with you how I solved the biggest problem in my life. And I’m going to let you in on how you can use the “Big Problem Solution” to remove the biggest roadblocks in your life.

But first, let me share my embarrassing “before story.”

The One Universal Truth

There is only one universal truth in this world…

…I am horrible with money.

My challenges with money during my 20s were the stuff of legend (legend of the idiot):

  • Lived paycheck to paycheck with no savings

  • Got into a big dispute with credit card company and had collection agencies calling me

  • Forgot to pay college loan and got default notice

  • Best friend had to loan me $1,000 just so I could move out of my mom’s house

  • Many, many overdrafts in my bank account

Yet, today it’s a completely different story. I am by no means rich, but I have more than enough money in my savings. Other than my mortgage, I’m completely debt free.

My credit rating is disgustingly high. For months, Chase has been begging me to increase the limit on my credit card. But I simply have no need for more credit. Sorry Chase.

I straight up paid for the car I drive with cash. And I recently sent my mom on a trip and bought her a high-end gym membership.

I’m not trying to brag. Like I said, I’m not rich…not by a long shot. Instead, I’m trying to show you just how drastic my financial life has changed since I used this “Big Problem Solution.”

Because guess what…

…I’m still terrible with money.

So, let me explain what I did.

I’m Not That Guy

My college roommate was great with money. He tracked every dollar he ever spent in a spreadsheet. He kept a meticulous budget. As soon as a bill came in, he would pay it.

Everybody knows that’s how you manage your money. That’s what you are supposed to do.

I tried all that stuff. I bought software. I tried to track my spending. I tried to set up a budget.

But I forgot to enter purchases into my software. Bills would come in and be thrown into a pile until I forgot about them. Whoops.

I felt like a failure because I couldn’t do this simple thing that “everybody else” did. It felt like I couldn’t operate like a “normal” human being.

I didn’t want to admit to anybody that these “normal” financial best practices were so difficult for me. People would just assume I was lazy, incompetent, or simply lacked motivation.

Luckily, a tragic event helped free me from these misconceptions.

If I Ever Find This Crook…I Might Thank Him

One day, I went to Target. While in the store, my iPod got stolen from my car. My $500 iPod was gone. The cops and Target could only respond with, “sucks for you.”

It might sound like no big deal for you, but that iPod was like Gollum’s ring or Cinderella’s glass slipper. It was precious to me.

I didn’t have $500 bucks to replace it. I didn’t even have a credit card.

I needed to find a way to replace that iPod as quickly as possible with no savings and no credit.

The Big Problem Solution Thesis

For me, the expert’s advice wasn’t going to help. “Getting motivated” wasn’t going to help.

My current “system” wasn’t going to help. So far, it had failed spectacularly.

That’s when it dawned on me. The system that worked for other people simply didn’t work for me. And I was easily able to identify what cog in this system wasn’t working…me.

I didn’t want to track every dime I spent. I didn’t want to remember to transfer money into my savings account. I didn’t want to develop and maintain a personal budget.

I needed a different system.

You see, here is the thesis of the “Big Problem Solution:”

The systems that works for everybody else won’t always work for you (or your firm).

My Big Problem Solution

I needed a system for saving $500 that didn’t involve me. So, I created it.

I set up a new online bank account that transferred $100 from my checking account the day after I was paid.

The funny thing was, I didn’t even notice that money was gone. I’d never see it in my checking account. Any money in my checking account or pocket just gets spent (almost like magic). But I don’t spend money that isn’t there.

Two and a half months later, I had enough to go get that iPod.

Big Problem Solution Application

The power of systems is once you have one that works, the more you use it…the more you’ll benefit from it

So, I used the same process to save for an engagement ring (I just changed the amount). I can still remember walking into Robbin’s Diamonds with more money in my pocket than I’ve ever held in my life.

I applied the same system to automatically pay my bills. And when my car was paid off, the system started saving that money too. When I got married, that same system started sending money to my wife’s account to cover my portion of the new bills.

I recognized the “normal” systems, the systems everybody else says to use, simply don’t work for everybody. Sure, 95% of them do (the shoe tying thing works for all of us, right?).

But the 5% that don’t work for you will continue to screw up your life if you don’t replace them with ones that will.

There is a great passage in a new book coming out from Sam Carpenter that I would like to share with you:

“From your current first-floor living quarters, I’m going to urge you to descend the newly discovered stairway that leads down into the basement. I want you to go down there to see the machines that have been creating your life results back up there on the first floor. And so I’ll ask this question again: When you finally see your systems relentlessly working away down there—the undirected machinery that has been producing the random results upstairs where you live—will you take control of that machinery? Will you vigorously direct those machines to produce exactly what you want, or will you just turn your back and quietly trundle back upstairs and continue to let them run unattended down there in the basement, churning up the same old random unsatisfactory results?”

Big Questions

If you are serious about changing your results, start with these questions:

What result do I want to change?

What system is producing this result?

Which parts of this system aren’t working?

What is the system I can use that doesn’t involve those non-working parts?

ABT (Always Be Testing)

Don’t worry if this new system isn’t perfect or whether or not it will even work. Just make sure it doesn’t include the “cogs” that aren’t working in your current system.

Keep testing new systems, using this process, until you find one that works.

The Emperor Has No Clothes

Listen, if there is one thing I’ve learned it’s this…

…most of the advice you get is terrible.

“Conventional wisdom” is often wrong. And no advice, no system, will work for absolutely everybody.

It’s up to you to identify which systems in your life don’t work and rigorously test new systems until you find the ones that do.

Now it’s your turn. Leave a comment and give us an example of some of the bad advice we get from people.

Firm Ignores Page Limits, Wins Contract. Here’s What The Courts Said…

What happens when you ignore page limits?

As Matt DeVries utterly compelling article explains, maybe you win the contract. Then maybe your state’s Supreme Court upholds that award.

You should read the article at Best Practices Construction Law, which included this description of the situation:

The Facts. In November 2010, the State issued a request for proposals to perform exterior renovations to the Governor’s House in Juneau. The request imposed specific submission requirements and guidelines. Paragraph 8 of the request included the instructions relevant to this appeal, which provided in part:

The maximum number of attached pages (each printed side equals one page) for criteria Responses shall not exceed: 10 pages.

Paragraph 8 warned that “Criteria Responses which exceed the maximum page limit or otherwise do not meet requirements stated herein, may result in disqualification.”

One contractor submitted a 7-page proposal; Silver Bow submitted a 10-page proposal; another contractor submitted an 11-page proposal; and Alaska Commercial Contractors (the awardee) submitted a 15-page proposal.

The Protest. Silver Bow protested the bid and argued that the over-length bid by Alaska Commercial was non-responsive and that the successful bidder should have been disqualified. The State countered that the page count was a matter of form and did not confer an advantage on the winning bidder.”

This Is Where It Gets Interesting

The court’s decision is actually quite logical. They basically concluded the winning proposal actually had less words than what was submitted by the protester. Therefore, the extra pages did not provide an advantage.

“The procurement officer for the Division accepted and reviewed all four proposals. The procurement officer concluded that Alaska Commercial’s proposal did not contain more substance than the others, that it was not in the State’s best interest to “needlessly reduce competition” by disqualifying acceptable proposals “strictly on form,” and that all four proposals had technical deficiencies. When the Division subsequently performed a word count, it found that Silver Bow’s proposal had 6,226 words, while Alaska Commercial’s proposal had 5,773 words”

See more at:

That’s very interesting, right?!?

What Are The Implications Of Something Like This?

First off, let’s think about this. Assuming that Alaska Commercial’s proposal had one inch margins, their text would have to  average 13-14pt in size to only get 385 words on a page. Right off that bat, that’s odd.

Then there is this. Nobody in their right mind would submit a 15-page proposal when the RFP limited it to 10. That is, unless they knew it wouldn’t be rejected. Note that two of the four firms who submitted broke the page limit.

Also, remember that paragraph 8 said, “Criteria Responses which exceed the maximum page limit or otherwise do not meet requirements stated herein, may result in disqualification.” Of course, that’s very wishy washy. That gives the agency an out. But think about it. Many agencies use that same language. Yet, we adhere to page limits…at least I do.

At the very least, I think this ruling puts every firm that will submit a proposal to this agency in a weird situation. Has this agency set some sort of precedent that they’ll have to behave consistently with?

I’d like you to engage in a thought experiment with me. Let’s say you are submitting a proposal with a 10-page limit to this agency, what would you do? Would you adhere to the page limits?

Post your answers in the comments.

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