Ray Higdon - Time, Money, Freedom

PRAISE FOR
Time, Money, Freedom

Ive known Ray and Jessica Higdon for a long time and watched them apply the principles they describe in Time, Money, Freedom to build an Inc 5,000 company that not only set them free but also helps thousands of entrepreneurs on a daily basis. I highly recommend you grab this book if you want to create a better life for you and your family!

Russell Brunson, New York Times best-selling author and owner of Clickfunnels

Jessica and Ray have nailed the millionaire mindset. Their passion of helping others by facilitating a platform for the opportunity for all to become the best versions of themselves for ultimate success is truly remarkable.

Shauna Galligan, top stuntwoman for Marvel movies

ALSO BY RAY
AND JESSICA HIGDON

Freakishly Effective Leadership for Network Marketers

Freakishly Effective Social Media

Go for No for Network Marketing

Vibrational Money Immersion: Think and Grow Rich for Network Marketers

Copyright 2020 by Higdon Group

Published in the United States by: Hay House, Inc.: www.hayhouse.com Published in Australia by: Hay House Australia Pty. Ltd.: www.hayhouse.com.au Published in the United Kingdom by: Hay House UK, Ltd.: www.hayhouse.co.uk Published in India by: Hay House Publishers India: www.hayhouse.co.in

Cover design: Jason Gabbert

Interior design: Julie Davison

Indexer: Joan Shapiro

All rights reserved. No part of this book may be reproduced by any mechanical, photographic, or electronic process, or in the form of a phonographic recording; nor may it be stored in a retrieval system, transmitted, or otherwise copied for public or private useother than for fair use as brief quotations embodied in articles and reviewswithout prior written permission of the publisher.

The authors of this book do not dispense business advice, only offer information of a general nature to help you in your quest for business success. This book is not designed to be a definitive guide or to take the place of advice from a qualified professional, and there is no guarantee that the methods suggested in this book will be successful, owing to the risk that is involved in business of almost any kind. Thus, neither the publisher nor the authors assume liability for any losses that may be sustained by the use of the methods described in this book, and any such liability is hereby expressly disclaimed. In the event you use any of the information in this book for yourself, the authors and the publisher assume no responsibility for your actions.

Library of Congress Cataloging-in-Publication Data

Names: Higdon, Ray, author. | Higdon, Jessica, author.

Title: Time, money, freedom : 10 simple rules to redefine whats possible and radically reshape your life / Ray and Jessica Higdon.

Identifiers: LCCN 2020034594 | ISBN 9781401960308 (hardback) | ISBN 9781401960315 (ebook)

Subjects: LCSH: Finance, Personal. | Success. | Goal (Psychology)

Classification: LCC HG179 .H4585 2020 | DDC 650.1--dc23

LC record available at https://lccn.loc.gov/2020034594

Hardcover ISBN: 978-1-4019-6030-8

E-book ISBN: 978-1-4019-6031-5

Audiobook ISBN: 978-1-4019-6074-2

10 9 8 7 6 5 4 3 2 1

1st edition, November 2020

Printed in the United States of America

This book is dedicated to the future generation, in hopes that we, the current generation, find the courage and will to create a prosperous future world.

The two of us started our lives with less than most. Ray went from an abusive childhood home to a tumultuous young adulthood to finding his own way in the world as an adult. He ultimately turned his life around, only to see all his success and hard work snatched away again by a real estate crash and recession. Jess worked hard in college and ended up graduating with a marketing degree. She checked off all the boxes, did everything she was supposed to do, and still was at the mercy of corporate politics and vindictive managers. It wasnt a bad work ethic, or ignorance on our parts, that stood between us and success in the corporate world. We simply learned the hard way that no matter how hard we worked, if we were working for someone else, our lives would never truly be in our own hands.

We knew that working for other people meant that we would always be at someone elses beck and call, that we would be using our skills and experience to make money for someone else, and that they could let us go and leave us with little recourse. We knew that if we wanted to take control of our future and live the lives we wanted for ourselves and our families, we had to take charge of our careers. As soon as Ray was presented with the chance to go into sales for himself, it seemed obvious. Starting our own business and working to grow it would be the only way we could get the security and dependability that every person on this planet deserves and should have, though far too few actually do.

Especially now. As we were writing this book in early 2020, news of layoffs and rising unemployment was flooding the airwaves. At times like this, it is more important than ever to be able to support yourself on your own terms. When companies shutter and the stock market falls, more and more people realize that the loyalty to the job they had for 10 or 15 or 20 years doesnt matter if there is no longer an office to go to or a job to do. Being your own boss, calling your own shots, and writing your own destiny is a powerful way to take control of how you live and how you provide for your family.

Ray learned this back in 2008 when the real estate business he painstakingly built was yanked out from under him, leaving him with over a million dollars in debt. Jess learned this when she saw how easily her boss sabotaged her efforts at her first job out of college. Travel agents learned this when Expedia.com launched. Brick-and-mortar booksellers learned this when Amazon.com became the first online bookseller. Blockbuster learned this when Netflix started sending out those red envelopes. Job security means less and less as each year passes, whether it is because of a new invention or a new disease.

While the times in which were writing this book have brought this lesson front and center, we have really been seeing this shift for a while now. The way we communicate, conduct business, spend money, and earn our income has changed. And we have to change with it. Sure, blaming the system, or a bad boss, or the stock market, or the government may feel good for a minute, but it doesnt put food on the table. The only thing that will help you is YOU, and your ability to follow the path you have set.

Careers in network marketing, direct sales, and small-business entrepreneurship have exploded in the last decade. The fact that the entire Internet is at our fingertips has revolutionized who businesses sell to and how they reach them. We started out in online marketing and network marketing, made millions in sales and commissions, and then made millions more teaching others what we learned and how we operate now. Our clients have gone on to make hundreds of thousands of dollars in sales and as coaches themselves; a few have even made millions. Having a home business not only gives you job security, it can bring you so much more fulfillment and independence. You make the decisions, you say when you work and how much, you define your own limits, and you set your own goals.