8 Keys to Wealth Beyond Money

By Roice Krueger

8 Keys to Wealth Beyond Money focuses on helping a person succeed in building a positive, contributing character as well as financial wealth. The core framework of the book demonstrates how happiness and financial wealth can be achieved simultaneously.
To understand the principles which govern personal happiness is to have found invaluable treasure. The 8 Keys teaches such principles. Learning these principles and applying them can bring profound happiness.
The 8-step process in this book is logical and compelling. It provides interesting stories, clear summaries and useful exercises which support the reader’s understanding and more importantly support the application of that understanding into one’s personal and business life.
This book stands out from other success literature books because it has a different ring to it. It has a ring of truth, practicality, and relevance. It has the ring of timeless principles.
The 8 Keys presents a systematic and principled system for creating abundant wealth and achieving true happiness. Roice Krueger's approach to creating real wealth and happiness will motivate and inspire the reader to take action and create the results they desire.
8 Keys to Wealth Beyond Money will lead you into a fulfilled life. It will help you find and understand what your soul is seeking.

• Language: English
• Publisher: Roice Krueger
• Release date: May 21, 2012
• ISBN: 9780985601508

Roice Krueger

Roice N. Krueger Professional Introduction Roice is a professional management and leadership consultant. He is a co-founder of Franklin Covey with Stephen R. Covey. He led the international expansion of the company into 76 countries. His leadership helped expand The 7 Habits of Highly Effective People into a global phenomenon. He has consulted with many major multinational companies in many countries including China, Japan, Malaysia, India, Brazil, South Africa, Switzerland, England, Singapore, and Australia. His vast experience in consulting, training, and coaching in large and small global organizations has given him unique talents and skills. His unique insights into the global arena allow his client companies to effectively expand into global markets. He is the author of the best selling 8 Keys book. He has co-authored 101 e-books with James Skinner and Mark Victor Hansen. He is proficient in a broad range of personal and organizational effectiveness topics. He teaches principles of effectiveness that enables individuals and organizations to achieve high levels of performance. He is able to customize his knowledge into high-impact consultations and workshops for individuals and companies. His formal education includes degrees in Japanese Language, Asian History, and Educational Psychology. He considers his greatest education to be the library of books he has studied and his interaction with some of the world’s finest leaders and teachers.

Book preview

8 Keys to

Wealth Beyond Money

Achieving Chronic Happiness

Roice N. Krueger

8 Keys to

Wealth Beyond Money

Achieving Chronic Happiness

Roice N. Krueger

Copyright © 2012 Roice N Krueger LLC

Smashwords Edition

This eBook is licensed for your personal enjoyment only. This eBook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please purchase your own copy. Thank you for respecting the hard work of this author.

All rights reserved. No part of this book may be used or reproduced in any manner whatsoever without written permission, except in the case of brief quotations embodied in critical articles or reviews. Please do not participate in or encourage the piracy of copyrighted materials in violation of the author’s rights. Purchase only authorized editions.

To my dear wife Pat for her eternal love and support.

Special thanks to Blake Frei for editing this book.

Foreword—Stephen R. Covey

This insightful life-changing book teaches solid principles on how to achieve chronic happiness. Many people measure wealth in terms of financial strength or number of possessions. In this book Roice does not impugn financial riches or possessions but rather encourages the reader to find wealth beyond financial riches. He encourages every reader to discover and live character principles that will create chronic happiness.

8 Keys to Wealth Beyond Money focuses not only on helping a person succeed in building a positive, contributing character but also in building financial wealth. The core framework of the book, The Eight Keys to Chronic Happiness Cycle, demonstrates how happiness and financial wealth can be achieved simultaneously.

In my book The 7 Habits of Highly Effective People the subtitle is Restoring the Character Ethic. This book compliments that theme by pointing a person to building their character first. Being trustworthy, having high character and high competence precedes trust. It is foundational to building effective interpersonal relationships. George Santayana said, Character is the basis of happiness and happiness the sanction of character. As pointed out so well in this book both happiness as well as financial wealth can be achieved by first focusing on character and then upon interpersonal relationships.

To understand the principles which govern personal happiness is to have found invaluable treasure. This book teaches such principles. Learning the principles and applying them in your life can bring you profound happiness.

Roice has spent 70% of his professional life doing business outside of the United States. As one of the co-founders of Franklin Covey, he spearheaded our global expansion. He rubbed shoulders with people in the great cultures of the world and has gained great sensitivity in understanding the uniqueness of each country and culture he visited.

Through teaching hundreds of workshops and advising thousands of people around the globe, he has attained a deep appreciation and love for our richly diverse global family. Among those he has met and worked with he created deep, lasting relationships that have endured decades.

You will find as you read this book the spirit and wisdom of an excellent teacher. It is easy to read and to understand. It contains interesting, poignant lessons inculcated with personal anecdotes that illustrate each major point.

The unpretentious wisdom of this book comes from a man who has found happiness in his own life.

Through this book he shares his personal wealth with you.

––Stephen R. Covey, Author of The 7 Habits of Highly Effective People

Endorsements

"To achieve personal happiness, one must engage in building a true wealth of character—consistence, congruence, no gap between intent and behavior. In 8 Keys to Wealth Beyond Money, Roice Krueger impressively ‘walks that talk,’ proving that our greatest personal assets and tools for growth are more than the sum coin in our banks."

––Stephen M. R. Covey, author of The New York Times and #1 Wall Street Journal bestseller The Speed of Trust

"Every human being should be required to read this Book! I pride myself for having read extensively the great literature of the world, the classics texts of personal growth, the sacred works of the great religions and the bibles of business. I report without equivocation that 8 Keys to Wealth Beyond Money - Achieving Chronic Happiness by Roice Krueger will become a classic in the business and personal development literature. Roice has created an 8 step process which is logical and compelling and his book provides interesting stories, clear summaries and useful exercises which support the reader’s understanding and more importantly support the application of that understanding into one’s personal and business life. The powerful wisdom held between the covers of this book are the gift of one who has reached that peak level of self actualization that most of us who seek an enlightened way of living aspire to."

––Mark A. Meyerdirk, Senior Principal and General Counsel, IRR Corporate & Public Finance

In the genre of success literature, this book stands out because it has a different ring to it. Is it the ring of Roice's integrity and authenticity? Or the ring of truth? Or the ring of practicality or relevance? For me, it is a blend of all those things—and more. Even if you do not know Roice (as I do) as one who walks the talk, I believe you can feel his integrity and will come to greatly value what he teaches in Wealth Beyond Money.

––A. Roger Merrill, Leadership Coach, co-author of First Things First and Life Matters

I've read timeless wisdom in hundreds of books in my life--much of which I can hardly recall. Similarly, I've learned timeless lessons by watching the lives of a handful of people up close--all of which have left an indelible mark on me. Roice is one of those people. This book offers the reader the rare privilege of learning up close from someone whose central goal in life is to live nobly--it will leave an indelible mark on you.

- Joseph Grenny, New York Times bestselling author of Crucial Conversations and Influencer: The Power to Change Anything

"Take a highly successful VP of International, add a deep personal commitment to a righteous life, plus a well-tested method for self-improvement, and the result is 8 Keys to Wealth Beyond Money. A wealth anyone can aspire to."

––Mette Norgaard, co-author of Touch Points

This special book distills the wisdom of Roice in an easy to understand book. I have personally experienced his expert business consultation and believe that by following the advice in this book you will achieve greater wealth and happiness.

––Richard Collasse, President Chanel Japan

Roice Krueger has taken an almost impossibly big topic and offered it to readers in easily digestible bite sized pieces. The result is that you get a life that fills you up rather than one that uses you up. That alone makes it worth the read.

––Dottie Gandy, business author and co-creator of Up to Something Partners, LLC

Everyone wants to be happy. The principles to how to be permanently and irresistibly happy have never been, known, understood, taught and effortless to use. My dear friend, Roice Krueger who lives happy and inspires others to be happy is the best student and teacher of how to enjoy, express and exude a wealth of happiness.

––Mark Victor Hansen, Co-creator, #1 New York Times best selling series Chicken Soup for the Soul

Neglecting neither the mundane realities of daily life nor the potent in dwelling divinity that has its unique expression in each of us, Roice Kruger articulates a path to intrinsic happiness by evoking the personal expression of our own most essential nature and inviting readers to align with the radiant power of love.

––Barbara Weber

"8 Keys to Wealth Beyond Money presents a systematic-principled system for creating abundant wealth and achieving true happiness. Roice Krueger's approach to creating real wealth and happiness will motivate and inspire everyone to take action and create the results they desire. This is a must read for anyone who desires to create wealth and happiness!"

––John R. Stoker, author of Fake Talk: Dialogueworks Creating REAL Conversations for Results

"8 Keys to Wealth Beyond Money by Roice Krueger is a very important, life changing book. He book shows everyone how to obtain chronic happiness. As a psychiatrist I treat so many people who struggle with their moods and sense of purpose. This book acts as a road map to live a life you are proud to say is yours, with deep meaning, honesty, and purpose. It is practical, beautifully easy to read and understand, and will is a gift I will give to my children, as well as cherish for myself."

––Daniel G. Amen, MD, New York Times Bestselling Author of Change Your Brain, Change Your Life and Magnificent Mind At Any Age

"True wealth is found in the heart not in the wallet. Roice Krueger in 8 Keys to Wealth Beyond Money redefines true wealth as the measure of the happiness in your heart not the measure of money on your personal financial statement. Then he reveals one of the most important principles of the universe -- the principle of personal freedom to make choices. Your happiness is a direct result of the choices you make."

––Sharon L. Lechter, Co-author of Think and Grow Rich - Three Feet From Gold and Rich Dad Poor Dad, Member of the President's Advisory Council on Financial Literacy.

"Roice Krueger hits the bulls-eye with this wonderful book. Money serves just two purposes in life...It will help make you comfortable; and it will enable you to extend your service beyond you physical presence, and that is all money was ever meant to do. Roice's book 8 Keys to Wealth Beyond Money will lead you into a fulfilled life, it will help you find and understand what your soul is seeking".

––Bob Proctor, From the movie The Secret, Author of You Were Born Rich

Table of Contents

Foreword – Roice N. Krueger

Endorsements

Contents

Wealth Beyond Money—an Overview

Wealth Defined

Happiness Defined

Chronic Is Not a Bad Word

Achieving Chronic Happiness—The Cycle

Key 1 – Discover Principles

The Principle of Personal Choice

Choice and Accountability

Choices Transform Your Life

The Results of Not Making a Life Choice

Getting the Best Results from Choices

Social and Natural Laws

Be a Hero Not a Victim

What We Choose Is What We Become

Goals: Write Them Right Now

Discover Principals – Key 1 Summary

Discover Principles – Personal Application Exercises

Key 2 – Choose Core Beliefs

Great People Cherish Great Values

Be a Human Being

Desirable Human Qualities

- Love

- Service

- Forgiveness

- Humility

- Industriousness

Common Sources of Human Qualities

Valuing Money

Wealth Beyond Money

- Valuable Principles and Behaviors

Write a Statement of Your Core Beliefs

Sample Core Beliefs Statement

I BELIEVE:

Write a Personal Mission Statement

Sample Mission Statements

Choose Core Beliefs – Key 2 Summary

Choose Core Beliefs – Personal Application

Mission Statement Creation Guide

Key 3 – Write Your Goals

The Rules

Short and Long-Term Goals

Making the List

Setting Your Internal Compass

Specialize

Crystallize Your Life Map

Magnetizing the Pointer of Your Compass

Using a Tool and Process to Stay Focused on North

Plan: Yearly, Monthly, Weekly, and Daily

Turn the Planning Process into a Life Habit

The Power of Focus

Energy Creation and Management

- Physical Energy

- Mental Energy

- Emotional Energy

- Spiritual Energy

Make a Daily Energy Creation a Habit

Four Focus Habits

Riches Follow Contribution

Creating Value in Organizations

Mental Precedes Physical Creation

Write Your Goals – Key 3 Summary

Write Your Goals – Application Exercises

Key 4 – Build Relationship Skills

Build Strong Interpersonal Values

- Trustworthiness

- Integrity

- Respect

- Relationship Motives

- Subordination of Self

- What’s in Their Heart?

- Loyalty

- We, Not I

- The Value of Differences

The Power of Stress

Sincere Interest

How to Supercharge a Relationship

- Express Gratitude

- Give Recognition

- Positive Reinforcement

- Quickly Forgive Mistakes

Team Building Skills

- Make Sure Team Members Understand Guidelines

- Create a Huge Goal

- Define Team Member Roles

- Build Team Member Skills

- Keep Score

Celebrate – Frequently and Big

Build Relationship Skills – Key 4 Summary

Build Relationship Skills – Application Exercise

Key 4, Continued – Communication is Key

Improving Your Verbal Skills

Handling Negative Emotions in Conversations

Listening Skills

Value the Other Person’s Viewpoint

Writing Effective E-mails

Tap Other People to Help Create Change in You

- A Coach

- Advisor

- Create an 8 Keys to Wealth Beyond Money Group

Communication is Key – Key 4 Summary

Communication Exercise

Key 5 - Execute Your Plan

Test Your Product or Service

Say No to Distractions

Tame the E-mail Tiger

Implementation Plan

- Vital Goal: Create a Sales Website for the Business

Think Fail Safe

The Usefulness of Measurement and Scorekeeping

High Quality

Execute the Plan

Team Development

Keep Energy High

Correcting Negative Behavior and Results

Empower Your Team

Execute Your Plan – Summary

Execute Your Plan – Personal Application Exercise

Key 5 Cont’d – Create a Personal Development Plan

Review Your Mission Statement

Review Your Selected Core Beliefs

Merge Your Wealth Creation and Character Building Plans

- Priority Management Tool

- Priority Management Process

Process Summary

Choose a Priority Management Tool

Implement and Execute Daily

Daily Process

Daily Energy Creation

Mega Energy Creation Activities

Supporting Activities and Motivation

Tap Social Enablers

Development Plan – Key 5 Summary

Personal Application Exercises

Key 6 - Measure Results

Measure Vital Actions

Graphing Your Vital Results

Where to Place the Graph

How Do You Measure Character?

Measuring Behaviors

Applying Measurement in a Team

Feedback

The Gap Between What You Want and What You Get

- Change the Target Result

- Change the Behavior

What to Change

Strategies for Changing Habits

Look for Poor Performance Clues

Rewrite Your Plan

Measure Results – Key 6 Summary

Measure Results – Personal Application

Key 7 - Share Your Wealth

Share and Contribute Before You Become Rich

A Few Interesting Facts

Foundations

Share Your Time – Volunteer

Teaching as a Service

Share with Your Family

Share Your Wealth – Key 7 Summary

Share Your Wealth – Personal Application Exercise

Key 8 – Continuously Improve

Continuous Improvement

Systems Thinking

Breaking Down the 8 Keys

- Key 1 – Discover Principles

- Key 2 – Choose Core Beliefs

- Key 3 – Write Goals

- Key 4 – Build Strong Relationship Skills

- Key 5 – Execute Plan

- Key 7 – Share your wealth

- Key 8 – Improve the Process

Personal Continuous Improvement

Wealth Creation Continuous Improvement

The Potential of Continuous Improvement

Continuously Improve – Key 8 Summary

Continuously Improve – Personal Application Exercise

Understanding Chronic Happiness

Our Inner Voice

Our Personal Guide to Happiness

Good and Evil

The Purpose of Good

Goodness Creates Freedom

True Influence and Happiness Comes from Being Good

The Universe Helps the Good

Happiness and Good

Prosperity and Good

Happiness and the Golden Rule

Flood You Mind with Good

Surround Yourself with Good People

Be a Light

Good People Face Challenges

Good Memories and Legacy

Count Your Blessings

Our Gifts to Others

What gifts do we give to others?

Going Home

Legacy of Good

How to Stay Good

Conclusion

Appendix A – The Master Habit

The Master Habit

Converting Knowledge into Action

The Master Habit Principles

Create a Compelling Vision

Use a Tool to Stay Focused

Measure Your Progress

Celebrate Your Successes

Leverage the Strength of a Coach

Enhance Your Learning

Review and Integration

These are The Master Habit Principles

Postscript

Appendix B

List of Virtues

Assertiveness

Caring

Cleanliness

Commitment

Compassion

Confidence

Consideration

Cooperation

Courage

Courtesy

Creativity

Detachment

Determination

Diligence

Enthusiasm

Excellence

Flexibility

Forgiveness

Friendliness

Generosity

Gentleness

Helpfulness

Honesty

Honor

Humility

Idealism

Integrity

Joyfulness

Justice

Kindness

Love

Loyalty

Moderation

Modesty

Orderliness

Patience

Peacefulness

Perseverance

Purposefulness

Reliability

Respect

Responsibility

Self-discipline

Service

Tact

Thankfulness

Tolerance

Trust

Trustworthiness

Truthfulness

Understanding

Unity

Appendix C – Recommended Reading

Wealth Beyond Money—an Overview

It's pretty hard to tell what does bring happiness. Poverty an' wealth have both failed.

– Kin Hubbard

I have spent years absorbing knowledge and wisdom from a diversity of peoples, cultures, and religions. I have been blessed to work with and learn from many of the great thinkers of the world, men and women who collectively have changed millions of people’s lives. I seek advice from the best sources and books that I can find, and I have turned my experiences into a program of seminars and workshops for entrepreneurs and leaders all over the world. My profession is about the strategies of wealth and happiness, and my goal is to make everyone with whom I come in contact happy.

However, when people hear Money does not buy happiness, they nod in agreement and spend every waking moment trying to prove it wrong.

Wealth Defined

Jon Huntsman grew up in a two-bedroom house with no plumbing—in poverty, by American standards—but ultimately became one of the wealthiest men in the world. Presently, he is Chairman of the largest privately held petrochemical corporation in the world, Huntsman Corp., and Forbes magazine lists him as the 47th richest man alive, worth $6.6 billion.¹

1. http://www.deseretnews.com/article/1,5143,270019062,00.html

Whether you know him or not you have probably used his products—the Styrofoam egg carton, for example, or the McDonald’s burger packages of yesteryear. We do not see those products anymore, because when Mr. Huntsman learned that such packaging might harm the environment he voluntarily stopped making them and went on to other things—one of them, notably, being the Huntsman Cancer Institute in Salt Lake City. The Institute is where you find cancer patients receiving the most advanced treatment in the world, given with all the hospitality found at five-star hotels.

Jon Huntsman’s goal—besides curing cancer—displays on a wall at his institute:

Selfless giving unto others represents one's true wealth.

Call him crazy, but he intends to donate $1 billion to charity and has already surpassed the $350 million mark! Mr. Huntsman knows the keys to achieving chronic happiness. He discovered that money does not buy happiness, that selflessness service makes him happy even if it means spending most of what he earned.

Not many billionaires embody Wealth Beyond Money like Jon M. Huntsman, and not many define wealth like he does. Take for instance the Merriam-Webster online dictionary, which provides the following definitions:

abundance of valuable material possessions or resources

all property that has a money value or an exchangeable value

all material objects that have economic utility

That is a starting point, but I believe that the definition goes beyond money and material possessions. I would enhance it—

abundance of valuable personal skills and material possessions or resources

all property, including a person’s talents, that has a money value or an exchangeable value

all material objects, services, and a person’s abilities that have economic utility

The most valuable personal assets we possess define us—our values, knowledge, beliefs, talents, and skills—and they constitute our greatest wealth. It is a wealth of character. Our intrinsic characteristics create material wealth and happiness when we enable them. They create our greatest satisfaction and personal security, our inner peace, and happiness. This type of wealth cannot be quantified or stolen. It does not lose value in an economic collapse.

Like building material wealth, we must build true wealth of character. It is not something that simply happens. I can teach you how to build it.

Happiness Defined

Defined, happiness means a state of well-being and contentment.

Finding that state of well-being and contentment requires certain thought patterns and behavior—keys that you can either hang up and ignore or put to use by opening doors. I believe happiness is the joy and peace that naturally settles in your heart when you tap into the values that emanate from the Maker of the Universe. It is a state of well-being and contentment, but you must willfully create or tune into it.

You achieve happiness when you conscientiously choose good things over bad things, when you actively listen to that inner voice whispering gentle reminders of what thoughts and actions are right and wrong. When you let your conscience direct you, you find happiness. It is that simple.

Chronic Is Not a Bad Word

Chronic gets a bad rap—chronic pain, chronic symptoms, chronic headache…. When your doctor says chronic anything, you know you will be standing in line at the pharmacy.

Defined, chronic means marked by long duration or frequent recurrence. Always present or encountered.

Wait a minute—doesn’t always present or encountered define how you would like wealth and happiness prescribed to you?

Do you know someone who is consistently happy? They normally carry a smile on their face. They may sing a tune or skip along as they walk. I watch my grandchildren and see such moments in their lives. I see it with neighbors and friends. I like to be around happy people. I want to be like them, and I hope that this book creates more of them!

Achieving Chronic Happiness—The Cycle

A cycle is a succession of recurring events. We live his way, spending our days performing cycles or patterns of behavior that define who we are, developing habits with consequences that we often do not think about—until those consequences arrive. In The Seven Habits of Highly Effective People, Steven R. Covey tells us that habits are "powerful factors in our lives…they express our character and produce our effectiveness…or