My Night Ritual – How To Path To Sleep Blissful And Fulfilled Each Night

hey guys that is stefan from welcome to my night ritual video simply form of a comply with as much as the morning ritual video that I posted about and I’ve had so many individuals say that that movies modified their life and so they’ve gotten a lot profit and worth from it and the one query I hear is what do you do earlier than you go to mattress you understand what kind of ritual do you’ve there and I am large on the morning ritual clearly however you understand having a ritual earlier than you go to mattress is so essential identical to you care for your self very first thing within the morning to be sure to care for your thoughts or physique your feelings you actually just be sure you put your self first so that you simply get essentially the most out of that day and be comfortable and fulfilled within the course of a night ritual is basically about for my part about celebrating the day you understand you’ve got actually given the whole lot you’ve got had that day you understand perhaps you had some ups and downs you’ve got had some struggles some challenges but it surely’s actually essential on the finish of the day to be sure to be taught as a lot as you’ll be able to that day in any other case when you simply go on to the subsequent day then you would be repeating the identical course of so ensuring that you simply take time to guage issues earlier than you get a nasty to just be sure you rejoice issues to essentially be sure to get essentially the most out of the day to suck all of the juice and actually simply rejoice that really feel good that is a extremely essential course of and so I’ve form of issues that I do earlier than I am going to mattress that I need to share with you and I you understand hopefully you are going to incorporate this into your each day ritual however I going to have my whiteboard right here I am simply going to shortly undergo the stuff that I do it isn’t as loopy or so long as the morning ritual it is extra quick but it surely’s once more it is essential to take that point for your self just be sure you simply actually loved that day since you solely have so many days you solely have so many days left to be alive and also you need to just be sure you simply get pleasure from it so you’ll be able to dwell your life totally and have a wealthy life so three predominant issues that I feel that I do and you’ll all the time add to this and even take a few of the morning ritual stuff and add it to your night ritual you understand some those who they prefer to learn earlier than they go to mattress or watch an inspiring video earlier than they go to mattress or some like that that is nice too you’ll be able to train earlier than you go to mattress as effectively however simply three predominant issues that I personally do this work for me and one factor I will say is I am all the time altering issues I am all the time modifying issues so what I am doing right now might be totally different I am doing tomorrow um you understand so and I feel it is essential to alter it as much as spice it up in any other case you will get very mundane and boring and you understand typically I do my morning ritual once I go exterior go for a stroll exterior typically I do it in my home typically I haven’t got as a lot time so I simply do a fast 10 or 15-minute ritual different instances it is extra lengthy as a result of I really need it you understand I am simply having fun with myself a lot I will simply form of preserve going with it so it relies upon you understand I began throw that on the market relies upon how lengthy you need to take with it you’ll be able to modify it customizes swap it round I feel that is an ideal factor however for me within the night these three issues that I do primary is I do what I known as night questions and identical to the morning questions I talked about that I acquired from Tony Robbins he has night questions as effectively and the night questions are only a approach so that you can mirror on what occurred that day and what you’ll be able to be taught it’s form of pull the whole lot from that day as a result of the place controls are focus or questions everytime you ask a query you are getting a solution and questions permit you to direct issues in the way in which that you really want when you’re actually unfavorable or annoyed or depressed or unhappy or no matter or but you suppose you had a nasty day it is since you’re asking sure questions which are permitting you to give attention to these unfavorable issues and that is what I see lots of people do is that they’re going to go all through the day and so they have this notion there is a unhealthy day when actually whether or not the day was good or unhealthy isn’t actually true what makes it true is what you are specializing in the which means that you simply pull from that day from these experiences and I feel each expertise may be good and a constructive expertise when you when you search for the constructive and when you search for the constructive earlier than you go to mattress and each expertise that you’ve then you definately’ll now not have unhealthy experiences you may now not have issues as a result of they’re taking the time to take a look at it in an empowering approach so that you could change your notion of that downside you’ll be able to form of reframe it and go WOW you understand it was really a very good day you understand and once you search for the nice in every single day there is no extra unhealthy day there’s solely good days and for me simply you stacked up all these good days and you’ve got a very good life you’ve an incredible life and in order that’s a part of the ritual that it’s important to get within the behavior of is simply ensuring that you simply have a look at the occasions of the day and an empowering strategy to just be sure you get essentially the most from them and having a night ritual asking the night questions I have been permitting you to do this so what are the night questions that I ask so this could be you simply form of sit in there for 5 or ten minutes and I simply requested myself what was nice about right now okay what was nice about right now and when you had a extremely tough day you would possibly say nothing however I all the time drive myself to seek out it I compelled myself to search for the nice and once more when you search for the nice is all the time there it is all the time out there you understand what was nice about right now was I awakened I had one other day alive I took care of my physique right now I did my morning ritual I adopted via it acquired dis completed I acquired that completed I related with some mates I related with some members of the family um you understand I felt productive no matter you understand you simply mirror on the day and also you simply reply the query you simply discover the solutions now I am respiration my coronary heart remains to be functioning that is that is one thing miracle when you really give it some thought however most of us do not actually admire it or take it you understand are grateful for it as a result of we simply take it without any consideration you simply neglect the truth that being alive is a miracle and it is one thing that we must always rejoice every single day so I will undergo that first no simply form of actually mirror and simply form of stack it and once more you actually need to really feel it you understand you do not simply need to intellectually suppose effectively you understand this was nice that was nice that is nice you need to really feel it and simply really feel grateful for that really feel pleased with that really feel enthusiastic about that you understand simply actually really feel the feelings as a result of the feelings are the juice of life so it is ensuring you’re feeling these feelings and also you simply actually requested what was nice about that day and also you search for the nice and it’ll all the time be there I promise you um different questions that I ask are what did I be taught right now what did I be taught and I will all the time attempt to discover some form of lesson from that day that I can pull from um you understand perhaps I discovered simply to care for my well being of my physique extra right now perhaps I be taught I have to you understand schedule issues in another way or I have to UM I do not know do that or not in another way perhaps I learn a ebook that day and there is some form of lesson that I acquired from that ebook and it is actually essential you understand when studying stuff you understand whether or not it is on-line or whether or not it is in a ebook or audio program no matter it’s to strengthen that and remind your self about what you discovered as a result of when you do not remind your self you do not reinforce it and you are going to neglect so taking the time simply to remind myself child what did I be taught right now and simply discover a new lesson every day there’s lots of energy in that discovering classes every day think about you understand every day are studying new classes I imply over a time period your life goes to be so totally different they are going to have a lot extra knowledge and expertise together with your life since you’re taking the time to be taught from each expertise there might need been a failure that day there might need been a nasty expertise that occurred however you’ll be able to nonetheless at the very least be taught from it and when you do not be taught from these unhealthy experiences that you will repeat them so ensuring that you simply take the time to be taught from each expertise is so essential one other query I would ask is how may I exploit right now as an funding in my future so how can I exploit right now as an funding in my future you understand I may even ask you understand what you understand what was nice about right now what did I be part of right now what did I like about right now um you understand simply actually simply no matter questions you need to ask you’ll be able to modify it I will have a weblog submit with this as effectively which you could click on to within the description beneath however simply asking sure questions which are empowering questions which are going to inspire you they are going to trigger you to suppose and admire what occurred all through the day I feel that is so essential quantity two is journaling and you do not have to only intellectually do that you’ll be able to even write it down in order for you really do each however I what I do is I’ve only a pocket book and I will journal concerning the day and the primary I will primarily write about two issues primary is what had been all of the accomplishments of that day and I actually simply make a listing and level type all of the accomplishments of that day you understand I acquired this doneness of those emails I known as this particular person I you understand imply progress on this space I arrange an internet site and I talked to my assistant I learn this ebook I did my morning ritual I went to the health club I did this I did this now let’s make a listing of all these accomplishments and once more whereas I am doing it I am feeling good I am I am like yeah superior I did this I did this I am not simply you understand going off on it however I am really feeling it as effectively which is basically essential as I mentioned after which I do the subsequent factor which is magic moments okay magic moments are totally different than accomplishments as a result of magic moments are sure moments of simply sure feelings that you simply felt you understand moments that you simply need to cherish eternally that you simply all the time need to bear in mind it is nearly like taking photos you understand you’re taking photos throughout sure moments of your life and also you return to these photos you you’re feeling them once more you understand you you return and also you relive these experiences and so I write down these moments you understand I perhaps I had a sure telephone name perhaps I had an ideal dialog with my girlfriend or perhaps I you understand went for dinner the member of the family or perhaps I used to be simply you understand going for a stroll right now and I noticed folks laughing or smiling or I acquired some nice information or no matter it’s however I actually cherish these magic moments all through the day and it is a actually wonderful course of from the journal as a result of once you return to these journals and also you once more you relive them you you really get to see how you’ve got progressed the teachings that you simply discovered right here to see the accomplishments that you simply had you understand you get to see all these moments and the whole lot and it simply actually makes you’re feeling such as you’re residing your life totally makes you’re feeling like you’ve a wealthy life and I do not find out about you when you’ve ever skilled this the place you understand you may simply undergo a month and then you definately have a look at that month you are like man what occurred how did time fly so information what occurred with that point and until you really Journal that and doc it then you’ll be able to’t actually look again and simply even bear in mind what you do you know so I discover it is so essential to really file that stuff is basically good saying by Jim Rohn which is a life price residing is price recording and I feel that is so true so taking the time to journal you’ll be able to even journal about you understand simply form of write a letter to your self you understand I am not into that form of journaling however you are able to do that as effectively simply journal about the way you felt that day or emotions that you simply had or the nice and the unhealthy really do this from time to time and I discover this a extremely great way simply to if I am harassed if I am depressed if I am overwhelmed simply to put in writing it out I am simply going to put in writing a letter to myself and I’ve sure letters which have written to myself um you understand that I’ve regarded again up from years in the past because it’s actually wonderful to return and see how what you are feeling on that day and what you might be doing and what was happening in life so it is a actually rewarding course of which you could add to your day and it might be you understand 5 minutes it might be ten minutes it may be two minutes you understand however taking the time for that once more it is acquired to be a precedence for you the third factor to do is to rejoice rejoice um I feel that is one thing that is lacking for many of society we do not rejoice issues anymore if you consider it when do most individuals rejoice they rejoice on a birthday to rejoice on New 12 months’s or Christmas or when their sports activities staff wins and so they’re like yeah you understand we did it you need the championship we received a sport however actually you did not are you aware you washed you did not do something and you do not want an excuse to rejoice which is the assumption that most individuals have is that one thing has to occur so that you can rejoice your life and that is such you’ll be able to rejoice right now you’ll be able to rejoice something you understand for my part I rejoice the second I get up I rejoice the second I get one thing completed you understand if I acquired a job completed if I you understand learn a ebook right now if I despatched an e mail if I did one thing difficult I celebrated the arduous and straightforward issues as a result of what you are doing is you are giving your self pleasure your your conditioning your thoughts to get hooked on the method of doing the issues that you simply need to do when you’ve got a tough time exercising or when you’ve got a tough time maintaining a healthy diet or waking up early or no matter it’s once you do these stuff you need to reward your self you need to rejoice your self it is identical to coaching a canine or you understand an animal or one thing like that they are educated to constructive reinforcement and so it’s important to give your self that constructive reinforcement as effectively and the problem is most individuals they themselves up you understand they did not get one thing completed or wasn’t ok or no matter it’s themselves up or they solely give attention to the unfavorable issues so what that did not get completed that day they give attention to the negatives oh I did not do that proper I did not do this and so they simply get stressed about it and so they really feel painful and that what that is doing is that’s creating ache in your mind after which your mind isn’t going to need to do these issues since you simply affiliate somebody Payne to him so no matter will get rewarded will get repeated the extra you reward your self every day for all of the little issues is simply going to stack up and also you’re simply going to like doing these issues and it may turn into a constructive dependancy the place it isn’t going to require any willpower is that this going to be automated it may be a recurring you are going to be pulled in direction of it okay so constructive reinforcement celebrating a Sookie I simply emotionally give myself that present I simply pat myself on the again or I smile I really feel good I would placed on some music typically you understand it if I get sure issues completed I will give myself a possibility simply to observe a film or go on Fb or you understand simply go on YouTube or watch the hockey sport or the basketball sport or no matter these issues are a reward for the arduous work that I did that day okay and once you really do these stuff you take the time to get pleasure from watching the sport or or watching that film no matter it can really get pleasure from a lot extra since you really feel such as you earned it you’re feeling such as you did one thing for that and it is a lot extra rewarding once you really have a look at it that approach versus simply you get nothing completed and also you’re sitting round and doing nothing and then you definately simply beat your self up and you understand you are simply you are going on this downward cycle this vicious cycle that is going to be actually arduous for you get out of okay so these three issues are the primary issues that I do earlier than I am going to mattress after all there’s much more issues you would do you would and I actually I swap it up on a regular basis as I mentioned so it might be studying it may be take heed to music be watching totally different movies you are able to do train earlier than you go to mattress you understand there’s a lot extra you would add to it however I feel these are an important issues which you could simply actually implement to your nighttime ritual to essentially be sure to get essentially the most beneath the day you actually get the juice out of it and actually simply reward your self and having a whiteboard like that is actually helpful you understand lots of people have really gone forward and gotten whiteboards after watching my morning ritual video which i believe is wonderful and I find it irresistible simply because having a visible visible form of strategy to monitor issues is basically essential to just be sure you’re accountable you are following via on so you understand if I acquired it completed you understand I will simply do a verify you understand checkmark no matter you understand once I undergo the day I will even rejoice that as effectively you understand you do not have to have a whiteboard however having one thing is essential perhaps it is simply having a bit of paper in your fridge you understand have one thing so you’ll be able to monitor your progress be accountable to it just be sure you’re following via in order that’s it for right now guys I hope you loved this video as a follow-up to the morning ritual be sure to try my weblog challenge like grasp comm be sure to subscribe to my channel inform folks about it you understand I’ve simply been overwhelmed by how a lot it is grown and the distinction I have been capable of make and it simply evokes me to maintain going with it so depart a remark like my movies try my weblog ship me a message in order for you comfortable to listen to from you however total simply thanks for watching guys I actually hope that you simply actually take this and apply to your life and I will discuss to you quickly bye you

Simplest Immediate Time length Investments

smart money this morning and we have some advice on what to do with a short-term investment as you might imagine there are many options and to share just a few of them were joined by certified financial planner Jeff rose Jeff thanks for coming in it’s probably what do we mean when we’re talking short-term investments you know I think for short-term it really depends on the individual but generally you’re talking in that one to three to five year range probably on the long side but somewhere that ranges that we’re talking about and where would some of this money is like inheritance perhaps or some kind of return from another investment I think a lot of people you know I always advocate having an emergency fund you know having some cash savings you know and some people are really good with that some people are almost too good you mean they have plenty of cash take care of emergencies or something happens but they almost have too much money sitting in cash making next to nothing and with most people knoweth interest rates being an all-time low you know if you actually check the interest rate on your checking or savings account you might be a little upset to realize how little you’re paying you’re probably actually paying your pake to actually take charge of your money just because that’s just how low interest rates already and one of your first words of advice is to pay off debt yeah you know that’s the the big surprise I think of many people come to me because they don’t realize like oh like where can I go make some money and I like start asking questions like well you have this consumer debt you have this credit card that you have this this card note whatever that may be that you’re paying five six seven eight twelve percent interest on and yet you’re trying to invest it for the short term and even though interest rates are low I mean you can get three or four percent that’s really good right now but getting three to four percent when you’re paying twelve percent on debt makes absolutely no sense and number two is online savings and CDs talk a little bit about that yeah so I know with local banks may not like this but you know if you’re comfortable banking online it’s just amazing how online banking has expanded over the years and now you know you can open accounts online have ATM access free withdrawals literally no fees whatsoever Wow but the other thing what makes it interesting is that a lot of their savings account rates or money market rates are six to eight times more than what you’re seeing at local banks obviously it to be comfortable well you know with an online bank but there are a lot of big names like ing Ally you know FDIC insured is like your local bank but they’ll pay you a higher interest rate another option here short-term bond funds or ETFs yeah you know and this we’re starting to get a little bit more on the riskier size so I just want to stress that but if you have ample emergency funds where you got plenty of cash you’re looking to make a little bit interest you know there are bond funds that can make pay you that three to four percent range just realize that you could see a bit of a fluctuation with your principal so I do want a warning on that but we do have clients they’re taking advantage of these opportunities right now and you say become a bank yourself peer-to-peer lending talk about that this is the one that I’m really excited about this is really expanded over the last couple years but essentially these are online websites that are basically allowing you as an investor to give loans micro loans to individual investors so let’s say that you’re an individual that you need a loan for a business a personal loan pay off a high interest credit card debt or student loan debt and you don’t have make the greatest credit so you need to need some help well you can actually apply online there’s two big companies right now called Lending Club and prosper so you apply just like you apply it at a local bank then they rate you based off your chances of defaulting on your loan so that then assess your interest rate so that’s you as the person try to obtain the loan now you as the investor and that’s the side that I sit on I actually will go in and invest money but then I only loan out about twenty-five dollars per loan so you’re not giving any one person a lot of money but I’ve been doing this for three or four years and I’ve been averaging about eight or nine percent interest on this it is a little bit on the riskier side you know a little bit outside the box my cousin investing but it’s something I’m really excited about and it really has grown a Lending Club has issued out over like eighty million dollars of loans over the last couple years so it’s definitely interesting concept and I’ve been telling more people about it because I just think it’s really neat to take advantage of and real quick we do we don’t have much time left but Roth IRA love the Roth IRA you know you don’t think of that as being a short-term investment but most people realize is that when you put money to a Roth IRA you have access to it anytime so if you’re putting money into it even though if you don’t need it for the short term now you have a long term investment it’s sitting there but you always have access to the case you need it awesome Jeff Rose thanks so much for being here visit for more information