Life is not a bed of roses and we will all face challenges at some point. It is during times of adversity that we truly discover who we are. We get to learn if our faith is as strong as we thought it to be, and we discover if we really are difference makers, capable of accomplishing extraordinary things. When the going gets tough, do we give up or do we step up our efforts and take the fight to a different level?


It is easy to look at athletes, actors, musicians, and think “If I had their abilities I would be rich too”. The truth is that we can’t all be actors, athletes or musicians, but each of us has an ability that, if used effectively, will enable us to become financially independent.  I am reminded of a quotation by legendary UCLA men’s basketball coach John Wooden: "Ability is a poor man's wealth."

I am a sports fan and admire coaches’ ability to guide their teams to success. Quite often teams perform under difficult circumstances and coaches are tasked with challenging players to rise above the challenges to be victorious. John Wooden, former UCLA head basketball coach for the men’s team, is one of my favorite coaches. He guided the team as they achieved success, including an unprecedented 10th national title during his tenure from 1048 – 1975. With an overall record of 664 wins and 162 losses, his teams won 80.4% of the games they played.