Recommended Books

The Total Money Makeover Workbook
by Dave Ramsey

Maximum Success: Changing the 12 Behavior Patterns That Keep You From Getting Ahead
by James Waldroop and Timothy Butler

Look for the authors above on, at book sales, or at your favorite web site. Amazon and others offer used books and tapes as well as new.


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From Values to Actions

Assigning Priorities

Building The Future

Balance is the key to personal and professional success.


Knowing your goals and the path to achieve them is essential.


Being successful takes practice and dedication.



Pith. n. The essential part; gist. Pithy. adj. Terse and full of meaning.

"Success is not an endpoint: It's a process of moving in the direction you want to go."

-- Karl W. Palachuk

"The most difficult tasks are consummated, not by a single explosive burst of energy or effort, but by consistent daily application of the best you have within you."

-- Og Mandino

"I am a great believer in Luck. The harder I work the more of it I seem to have."

-- Coleman Cox





"It takes relaxation--and focus--to create and understand the balance in our lives."

-- Karl W. Palachuk



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What Readers Say . . .



Relax, Focus, Succeed was written for me… well… for anyone “like” me who’s ever had more to do or fires to put out than hands to pull out your own hair with. And since we’ve all been there at some point; this book will speak to you. Karl’s book reveals an escape from the ‘powering thorough’ that we do every day to get through a multitude of life without ever really ‘living’.


Relax, Focus, Succeed takes the reader down to the core of what makes us who we are and walks us through figuring out what we really want in life, how to maintain our center and create a well-balanced, happy, successful life. Karl is motivational and inspiring.

Hannah Welch
Marysville, CA
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I had the pleasure of attending a presentation by Karl Palachuk and found myself taking notes. His philosophy is that we need to slow down, take care of ourselves, and reprioritize our lives. I am guilty of being a workaholic and never feel like I'm accomplishing as much in a day as I should. But this is the first time I have ever given myself permission to take care of myself first--not to mention to enjoy my family and friends more.


And Karl was right, the work isn't going anywhere and the world won't stop spinning if I let it sit for awhile. This book is a true inspiration! I now schedule workouts into my schedule every day--something I never considered before. But I realized that I will be more productive in the long run if I'm taking care of myself. This is GREAT STUFF!

Stephanie Chandler
Sacramento, CA
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Karl has outdone himself in this book. I started reading this at a stop light and had to pull over and finish two chapters before halting my day and going home to finish the book. There are many practical and meaningful applications that are just helpful. I was pushing the limits of bad health and very bad overwork habits. This book has helped me tremendously. This book ranks with the quality of the E-myth.


You will pick this book up and have a hard time putting it down!

B. Vincent "Ben"
Auburn Hills, MI
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RFS™ Notes - November 2007


Hope you had a good, low-stress Thanksgiving.


Now let's work on that good, low-stress Christmas.


In a few days it will be December. At my house, there's a standard routine for the end of the year. First, I go on a three-day silent retreat during the first weekend of December.


Second, we make a point not to worry about decorations and food and festivities. We find a weekend and do what we can with the decorations. You cannot see our house from outer space. It may not be perfect, but it's good enough for us. We have some friends over, but they don't expect a twelve hour "event" with a six course meal.


Christmas TreeThird, and most importantly, I start the annual review of goals and accomplishments. Every year brings accomplishments I hadn't expected. Those normally displace some other goals, so some things went un-done. But the new year is all bright and sunny.


And while I review goals throughout the year, there's something about the new year that makes this a lot more fun. It's like I get to start a new adventure in which I can't fail. As I've mentioned before, it feels like cheating: I get to define success and then go do that.


I can't fail. Neither can you!


This month we look at quick roads to success (we don't find any).


I welcome your feedback. Thank you, as always.

-- Karl P.

Microwaved Success

by Karl W. Palachuk

Some time ago, I was listening to the Dave Ramsey show on the radio. If you haven't heard him, you should give it a try. He dispenses really great common sense advice on managing your money.


One of Ramey's consistent truisms is that it's not easy to make money, save money, or to achieve our goals. I'll never forget one of the greatest things he ever said along these lines:


"You can't microwave success--you have to cook it slowly."


Oven with Microwave Oh my goodness: how many times have we tried to do something quick to get ahead? Or asked ourselves "What can I do for quick (cash) (success)?


We all know some things we can do to find quick success in some ways. But real success is different. Real success is a long, complicated project. It's not a quicky microwaved dish. Oh no, it's a seven course Christmas dinner with all the trimmings.


Remember what success means. Success means reaching your goals. Not society's goals or someone else's goals: Your goals. Before you can do that, you need to have goals.  And that means you have to work hard to determine what you want to achieve before you can set about working on it.


The process of setting goals for your life is very serious work. So, naturally, it takes time and effort.


Too many people want the microwave version of happiness: Doing what feels good today. Unfortunately, that leads directly to massive debt, overeating, and a series of decisions based on the moment instead of the big picture. I'm not kidding.


You need a big picture.


I'm a real firm believer that we know what we need to do to improve ourselves, but we're not in the habit of doing it. We need to examine ourselves, commit to a path, and then move down that path every day.


In many ways, we ignore the hard messages, waiting for someone to come along with the easy alternative. You've heard them all: Pills to lose fat, 3-minute a day workouts, and get rich working from home in your pajamas.


We know that's all a bunch of lies -- even before we lay down our money. But the alternative is to listen to the difficult message that we need to eat less, exercise more, and have a written plan for our success.


And this is not laziness. This is human nature.




The greatest impediment to your success is the Present Moment.


It is also your  most powerful tool.



We succeed every day when we do the difficult things we know we need to do. We put off success when we put off these things. At every waking moment, we choose which path to take.


I find Dave Ramsey inspiring because he provides a way of accomplishing one important goal for people -- getting their finances under control -- and therefore helps them to start working on all the other things that are important in their lives.


Money is not success. We all know that. But when the money picture is upside down, it can make everything else a lot more difficult. When all your cash flow is tied up in an $80,000 truck and you make $40,000 a year, things are never going to straighten out.


When you have no retirement savings and all your money goes into clothes and credit card penalties, you're building a financial disaster one dollar at a time.


Ramsey helps people understand that, no matter how great the debt, they can overcome it. They can make a plan, work the plan, change their lives, and accomplish this really big goal. Now that's a wonderful thing.


Why? Because those people will be forever changed. What happens next? Well, they're living within their means and no longer have that monstrous debt. So they get to start saving.


AnnouncingAnd, more importantly, they've learned that they can do anything they want if they put their mind to it. They have also learned how to set and achieve a long-term goal. A long-term major goal.


You may not have any financial worries. I hope you don't. But even if you don't, there's a lot to be learned from someone with the kind of well-founded common sense dispensed by Dave Ramsey. 

If you like pithy quotes, check out the Pith Page at

### RFS ###

Thank You!

That's it for this issue.

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I welcome your feedback.

-- Karl W. Palachuk


Of Interest



This is one of the best books I have ever read, I have many on business motivation as well as many for your personal life and these seem to contradict each other. Karl shows you how to create the necessary balance in your life. I did not realize how much unnecessary stress I was causing myself until Karl pointed it out, this made an immediate impact in my life in all three areas Personal, Family and Business. I highly recommend this book especially for anyone trying to run their own business.

Bret Meche

Opelousas, LA
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The most important thing Karl's book did for me was to remind me of how important it is to relax in order to be successful. Too often we get so busy that we forget to take time to relax in order to focus our minds and thereby succeed. Karl's exercises throughout the book are very practical.

Sue Lynn Canfield
Roseville, CA
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I love the way Karl's book makes powerful and grounded statements. He is motivational, informative and hits the nail on the head. I recommend his book highly and I recommend it to my clients who are working toward more balance and relaxation in their lives.

Jenifer Novak Landers

Folsom, CA
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I will be rereading this book constantly until I get every habit fully ingrained in my head. I am off to buy a notebook for my "quite time".

Thank you Karl!

Brielle Beard
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I have read, and re-read this book from cover to cover. Its a fantastic book.
This book shows you how to do as the title says Relax, Focus and Succeed.


Brilliant book . . . highly recommended.

Chris Timm
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