• Build Your Dream
  • Define What Wealth Means to You
  • Make the Commitment to Change
  • Identify Your Strengths and Challenges
  • Focus on Your Goals and Strategies


  • Read the Introduction and Section 1, It’s Time for a Change
  • Complete the activities
  • Set your goals and define your strategies

Workbook Download

Lesson One: It’s Time for a Change


Most of us dream of a better life and imagine what it would be like to be debt-free and in a position to spend money on things we want without feeling guilty or digging ourselves deeper into debt. The problem is that after dreaming of that better life, we walk back into reality and all our problems are still there. For many, the dream of a better, more financially secure life is nothing more than a fantasy. It’s something
we dream of but feel that we’ll never attain.

The difference between people who turn their dreams into reality and those who only fantasize about a better life is that they are willing to make the sacrifices necessary to change course and get on the path to financial freedom. They know that if they don’t sacrifice and change their spending and saving habits, that better life will never come.

Good Decisions Bring Change Almost Immediately

There isn’t a simple fix that will make all your money problems go away. It takes a multitude of poor decisions over an extended period of time for most people to get into debt. It’s going to take some good decisions over time to get out of it. The good news is that it’s not hopeless. You can have a better life and it can begin to change almost immediately if you’re willing to follow a few simple steps and stay the course.

If you follow the simple steps outlined in Ross Jardine’s 60-Day Money Miracle, you can start to see positive changes in your financial situation in a matter of days. You won’t have to wait months or years to see you’re making progress, and your confidence will grow with each new success.

When you start to see success, you’ll be inspired to do more and stay the course. Your confidence and commitment will grow with each new success. The hardest part is getting started.

Build Your Dream

Do you want to be successful and learn how to make your money work for you? Of course you do. And for that reason, you have chosen to invest in yourself and your future by continuing your education with Ross Jardine’s 60 Day Money Miracle. We applaud you for making the decision to be successful.

Keep in mind the reasons why you want to become successful and find opportunities to build personal wealth and create tremendous financial independence and control over your future. We encourage you to make a commitment to stay the course of your decision. This is a tremendous first step towards accomplishing your goals.

How do you Define Wealth?

Being wealthy doesn’t necessarily mean having lots of money. Money is just the manifestation of wealth – the appearance, but not the core. Wealth can be the freedom from debt or the peace of mind that comes from knowing that you own your home and that you have enough money for retirement.

One of the goals of The 60 Day Money Miracle course is to assist you in understanding that wealth means having a higher quality of life – a lifestyle with less stress and the flexibility to spend time with family and to enjoy the kinds of things you want to enjoy!

Being debt free will give you more confidence and freedom. It is Ross’s goal to help you become truly wealthy by providing you with the right strategies and tools.

Once you learn the fundamental principles of a financially healthy lifestyle, and how to use them properly, you will find the ongoing process both exciting and fulfilling. This is the kind of wealth that you can take with you. And that may be the most important message of 60 Day Money Miracle. Those who look upon wealth as thoughts and attitudes as well as financial security will not be disappointed because they carry their wealth with them wherever they go.

After reading the Introduction and first chapter of 60 Day Money Miracle, you may need to change your mind-set about wealth.

Making the Commitment to Become Debt Free

The fact that you’ve purchased The 60 Day Money Miracle course indicates you have an interest in becoming debt-free, that you want more from life. Chances are you may have already made the commitment to get out of debt.

Your continued education is very important to follow-through on that commitment. With the tools and training materials included in this course, you have in your hands the three necessary elements for success – materials, trainingand support

Activity 1.2: Your Personal Commitment

Activity 1.3: Your Personal Finances

Communicate with Family Members

You’re going to have some rough days when you start dealing with your debt problems. It’s a huge help to let those around you, specifically your family and close friends know that you’re working to change your financial future and get out of debt and that you need their support.

If they know you’re committed to your new plan they are more likely to offer support and encouragement to keep you on track rather than encouraging the behavior that got you into trouble in the first place. Who knows, they may have a debt problem of their own and you can work together to provide support. It’s great to have a buddy system when it comes to getting out of debt.

What Are Your Motivations?

Consider for a moment your motivations for becoming debt-free and pursuing a wealthy life.

  • What interests you?
  • Are you looking for the freedom to own your own business that is both financially rewarding and personally satisfying to meet the needs of your entrepreneurial spirit?
  • Or, is the need to establish your place as a respected contributor in the financial community a motivating factor?

Perhaps you would like to put your children through college, build a new home, or have the financial ability to travel abroad. No matter what your motivation, your perception of success will soon be based on your ability to buy things or establish the lifestyle you desire. As you begin the process of employing sound financial principles and outlining your personal objectives, stop to reflect on both your long and short-term goals and expectations.

Although you may one day like to earn and save enough money to retire early, what are your prospects today? Are you channeling your savings towards your consumer debts or a special purchase in the near future, or are you interested in paying off your home mortgage in 7 – 10 years instead of 30 years? The first steps in developing a new outlook and plan for a wealthy lifestyle includes taking an inventory of your desires and setting realistic goals.

Activity 1.4: Identify Your Motivations

Activity 1.5: Visualizing Your Dream

Gather some visual reminders (pictures of a new house, car, a happy family, etc.) as constant reminders of the goals you have set. Consider keeping your list and the visual reminders where you will have the opportunity to see them several times a day. Here are a few ideas:

  •  On the refrigerator
  •  Next to your computer
  •  In your purse or wallet by your credit cards
  •  In your check book
  •  Next to your bed
  •  On your bathroom mirror
  •  In your car

The important thing is to dream a little because you’re going to turn those dreams into reality. The key is to have constant reminders that a better life is in store for you if you follow the seven steps in this course and stick to your plan.

The visual images you have chosen together with your list of motivators will become powerful reminders of the rewards of living a debt-free wealthy life.

Activity 1.6: Your Personal Evaluation

To get a better idea of where you are on the road to creating wealth, complete the following personal evaluation. Identify your current strengths and challenges. Think about your strong points that will promote success, and in addition, identify areas where you will need improvement.

Activity 1.7: Your Strengths and Challenges

Understanding your own personal strengths and challenges will help you develop the right goals and strategies to fit your personality and increase your chance for success.

Activity 1.8: Taking Charge

Understanding your own personal strengths and challenges will help you develop the right goals and strategies to fit your personality and increase your chance for success.

What is Your Goal? What is Your Challenge?

It’s easy to talk about what things we would like to do or have, but much harder to pin down how to actually achieve them. Aspirations like “working for myself” or “becoming a millionaire” aren’t goals in the truest sense of the word, but they are motivational. In order to realize your goals, you need to establish written, realistic, strategy-based goals to pave the way.

To make the dreams a reality, you must first figure out what strategies you will put into practice to create the kind of wealth you seek. Be specific and write down the goals you wish to achieve.  Ask yourself: “Based on my current resources, are my goals realistic?” If so, the next step is developing a strategy that will help you attain each goal. The strategy should define the resources you need and how you plan to use them in the realization of your personal goals.

If your goal is:

Successfully complete The 60 Day Money Miracle program and gain a working knowledge of the principles and techniques I will need to get out of debt and to create wealth.

Your strategy might be:

Read each chapter of the book and complete all of the workbook assignments. Make the sacrifices necessary to change course and get on the path to financial freedom.

Activity 1.9: Focusing on Your Goals

The most successful students are those who strongly focus on their goals. To assist you in achieving success in creating debt-free wealth, you will set three written, realistic strategy-based goals. As you progress through this program, you may want to revisit and update your goals as you retire debts and move onto solid financial ground.

The goal-setting process consists of two steps:

  1.  Listing your goals
  1.  Defining your strategy for each goal

Step 1: List Your Goals

Here are some suggestions to help create your goals:

  •  Begin by asking yourself: “What do I want to get from my lessons?”
  •  Try to be as specific as possible and then ask yourself: “Is my goal realistic? If my goal is to make money in the first month, what steps must I take to realize that goal?”
  •  List three short-term goals you want to accomplish during this training program.

Some examples might be:

  •  save an extra $100 per month
  •  stop eating out for the next 60 days
  •  no new purchases until I pay off my credit card balance(s)
  •  get current on my bills in 60 days

Step 2: Define Your Strategy

After you have written your goals on the worksheet, the next step is to define a strategy to realize each of the goals and succeed with the challenges you have set for yourself.


In this lesson, you learned there isn’t a simple fix that will make all of your money problems go away. It took time to get into debt, and it’s going to take some good financial decisions over time to get out of debt. But you can do it!

Your continued education is very important to follow-through on the commitment to become debt free. With the tools and training materials included in The 60 Day Money Miracle course, you have in your hands the necessary elements for success.

You identified some goals and strategies to make your dreams a reality, and now your challenge is to put these goals and strategies into practice to create the kind of wealth you seek.