Legacy achievers: those who have had long term success, are a great model for our professional lives. How this relates to a veterinarians' life is very pracatical

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Four Simple Things
that can derail your career
-And what to do about them
ray@ramirezdvm.com
DrRayDVM.com
Raymond J Ramirez DVM
University of Illinois 1986

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By studying ‘Legacy Achievers’
Legacy Achievers –
Vs
those who short term success, but then fail
LA: Balance of six area of life

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‘Legacy Achievers’
Balance of six area of life
Faith
Family
Finances
Physical health
Social contributions
Continued Education

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Our Focus today
Today taking care of CE
Normally not talk about Faith… - I sneak it in at
other conferences
• Faith
• Family
• Finances
• Physical health
• Social contributions
• Continued Education

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The Solution:
Pay attention to Derailers
Personal
fulfillment.
Marriage
Children.
Personal
finances. Family

6. What would your brain look like?
7

7. What my family drew Jan 2015
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The Solution:
Pay attention to Derailers
Personal
fulfillment.
Marriage
Children.
Personal
finances. Family

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Marriage/ relationship
Right brain
• How many want love in your life?
– Isn’t that why we become veterinarians – to care for
dogs and cats, who love us not matter what, but can’t
tell us!
– A tip not to start off wrong

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Marriage/ relationship
Right brain
• Love in your life?
– How does one nurture this relationship?
• reconnect with the love of your life?
• Short bursts regularly
• Care free timelessness
– Once a month, pull out calendar and schedule carefree
timelessness with most important person – whoever that is.
– Who are experts? - teenagers

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Marriage Relationship
• Care free timelessness
– Does not have to be same day each month.
• Work does NOT count
• Even if work with wife, husband…. Carefree
timelessness can not talk about work

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God’s dream for you?
• To help you to become the Best Version of
yourself. (Matthew Kelly)
– You do that for yourself, and for your spouse
– For your other groups you belong to that are not
veterinary related.
– What is your Rhythm of Life?

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Common Derailers to Marriage
• “All talked out at work”
– Any Introvert
– Veterinarians fall into this because: we want to
help animals – don’t like people so much
– Upset with something at work, so ‘take it out at
home’.
– Carry a bad case home **

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Marriage/ Relationships
• Practical – from retired DVM married 40+ years to 1
person
– Ramirez family – Ray Dvm, Kelly Office
manager
– Off Saturday – no clinic talk on weekends
– Go to church to discover truth together
– Do something together –read chapter of book
and discuss

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Marriage/ Relationships
• Practical
– Leave work at work
• Go to Gym,
• go for run/ walk after work
• punch things.
• get podcast or CD

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Marriage/ Relationships
• Talk about work?
– Spend more time there
• Talk about funny things not work
• Hard for me –
– not modeled,
– when young DVM-
– somewhat easy because lot of new things outside of work.

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Marriage/ Relationships
• Key is too recognize
• Set a plan
• Reevaluate plan in 30 days in case not
working for your situation in life
• Not much different than a patient. 

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The Solution:
Pay attention to Derailers
Personal
fulfillment.
Marriage
Children.
Personal
finances.

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Children
• Don’t have them.
• Enjoy them as the gifts they
are and realize there are
different things the children
need depending on age.

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Children
Pre kindergarten
–K-teen
–Teen
–Adult

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Pre K
Pre kindergarten
– K-teen
– Teen
– Adult
– 1 hr TV/ Screen =
–
– University of Montreal and Sainte-Justine Mother and Child
University Hospital in Canada, found that every hour of TV
children ages 2½ to 4½ watched not only added to their waistline
but also affected their ability to perform in sports.
=

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Children
Pre kindergarten
– K-teen
– Teen
– Adult
– Don’t watch TV
– Penn State laboratory study 2006, preschool children who usually
eat meals at home while watching TV ate one-third more lunch
when they were shown a cartoon video during lunchtime versus
when they ate lunch without TV.

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Children
Pre kindergarten
– K-teen
– Teen
– Adult
– Don’t watch TV
– Don’t eat meal and watch TV (screen).
– April 2004 Issue of Pediatrics :
• Early television exposure in children ages 1-
3 is associated with attention problems at age
7, according to a study from Children's
Hospital and Regional Medical Center in
Seattle

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Children
Pre kindergarten
– K-teen
– Teen
– Adult
– Don’t watch TV
– Don’t eat meal & watch TV
(screen).
– NO TV before age 3

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PreSchool age
• Read a book. Pick a series that interests
you and read.
• Be prepared that many children like to read
the same story over and over. That is OK.
• But also pick a ‘chapter book’, to get
variety and expand their imagination

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PreSchool age
• Books
– Dr Seuss
– Series to read: Pigeon books
– Little house on the Prairie
– Peanuts comics
– Calvin and Hobbes
– Chronicles of Narnia
– Redwall

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Preschool
GO outside and play
They don’t need coaches, umpires …
Who remembers ‘do over’, ‘pitcher’s hand’,
no right field.

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Children
Pre kindergarten
K-teen
Teen
Adult
Pay them to read
John Maxwell:

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21 irrefutable laws of Leadership
Discuss at dinner table – at least 1, 2, 3 x / week.
Get money when turn in 1 page report on a summary of
the book and how they will apply it to their life.
Other suggestions:
• 7 habits of highly effective people (teens)
Steven Covey
• Dream manager – Matthew Kelly
• The Rhythm of Life- Matthew Kelly
• How to win friends and Influence People
– Dale Carnegie
• Five Dysfunctions of a Team – Patrick
Lencioni

30. Family
• Ramirez Family started this ‘book reading’
payment plan during Lent one year.
• "A happy family is but an earlier heaven."
- George Bernard Shaw
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Children
Pre kindergarten
K-teen
Teen
Adult
You are not raising a teen, but raising an
adult.
Create good habits
“I hate my job”
The way you do anything is the way you do
everything
Getting to work on time
Being able to have an intelligent polite
conversation –
* service – how to engage with customer

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Children
Pre kindergarten
K-teen
Teen
Adult

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The Solution:
Pay attention to Derailers
Personal
fulfillment.
Marriage
Children.
Personal
finances.

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Personal Finance
Left brain – finally
• Who has heard of a budget?
– Congress?
– Schools?
– Conventions do!
– Businesses (that stay in business)do!
– Practices do!
– Families do!

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Personal Finance
• This game is like Sudoku – fitting the
puzzles into each piece each month/
quarter.

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Personal Finance
• Those who fail to plan, plan to fail.
• When it comes to wealth – there is nothing
more important than time
– Choice: Which to prefer, $1,000,000 today
– Or
– $0.01 a day, doubled every day for a month?

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wk 2
1 $0.01 8 $ 1.28
2 $0.02 9 $ 2.56
3 $0.04 10 $ 5.12
4 $0.08 11 $10.24
5 $0.16 12 $20.48
6 $0.32 13 $40.96
7 $0.64 14 $81.92
wk 4
22 $ 20,971.52
23 $ 41,943.04
24 $ 83,886.08
25 $ 167,772.16
26 $ 335,544.32
27 $ 671,088.64
28 $ 1,342,177.28
wk 3
15 $ 163.84
16 $ 327.68
17 $ 655.36
18 $ 1,310.72
19 $ 2,621.44
20 $ 5,242.88
21 $ 10,485.76
wk 5
29 $ 2,684,354.56
30 $ 5,368,709.12
31 $ 10,737,418.24

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Key to having savings add up
• Is to not be in debt for other things – as
quickly as possible
• ‘Productive debt’ is ok… as long as
• How to reduce current debt?

39. How many saw DVM News
article
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Budget methods
• You should pick one
• www.daveramsey.com/tools/budget-
forms/

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Two methods will give here
• www.daveramsey.com/tools/budget-forms/
• Budget these categories:
– Charity
– Saving
– Housing
– Utilities
– Food
– Clothing
– Transportation
– Personal
• Insurance
• Child care
• Entertainment
• Forms are on website

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Then put in budget
• Cash envelopes for category
• We have found CC for gas,
• but cash for all else with envelopes
is easiest, and best

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Then put in budget
• With irregular veterinary income,
we average 3 months, and
apportion.
• We keep food (include eating out)
low by renting movie, and making
pizza – family movie night on
Friday and Saturday. Library has
free movie rental.

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What happens when out of money
on 15th of month?
• Use It Up, Wear It Out, Make It Do, or Do
Without
• You can have anything you want but you can’t
have everything you want.
• Making a commitment to conscientious,
intentional personal money management means
making some choices. You need to develop the
skill of discerning what best serves your goals.

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What happens when out of money
on 15th of month?
• It is very hard to get rich
quick…
• It is very easy to get rich
slow

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Time is your fiend
• Tale of two brothers, Ray and Jim.
• Jim: started working for Osco at 18, and put
$2,000/yr in IRA for 10 years.
• Then stopped contributing.: total
contribution = $20,000
• Ray

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Time is your friend
• Ray his brother, went to veterinary school –
and graduated at 25, and started
contributing to his IRA at age 28.
Contributed $2,000 / year from age 28 – 65
Total contribution = (65-28= 37 x $2K =
$74,000

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Time is your friend
• Assume both put in Vanguard S&P 500 Index fund
(VFINX ) last 10 yrs, 7.45% (lifetime 10.82%)
Jim Ray

49. Finances
The biggest reason people criticize
Dave Ramsey
is because deep inside, they themselves are
not ready to make the leap of faith, sacrifice,
and do the hard work necessary to be debt
free…
finances are a behavior issue.”
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50. But I am $200,000 in debt!!
55
Daughter of friend
$56,829.82 student debt
26 months paid off!
Income?
$60,000 per year

51. But I am $200,000 in debt
56
only 3.5 x as much
91 months (<8 years)
Making $10,000 more!
How do you want to live?
Ego or Wallet
– Bigger one is, the smaller the
other will be

52. $200,000 in debt
57
Ego or Wallet
Available today
309-397-9954 call or text,
ray@ramirezdvm.com
Ego or Wallet
– Bigger one is, the smaller the
other will be

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The Solution:
Pay attention to Derailers
Personal
fulfillment.
Marriage
Children.
Personal
finances.

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Personal Fulfillment
• Exercise
– How many have exericised at least 20 min
1x/week every week past year?

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Personal Fulfillment
• Exercise
– How many believe their life would be better –
have more energy, if they exercised one day /
week every week for the next year?
– Depending on where you are in your journey,
that may be different, but start. For some, a
walk around the block… twice.
– For others, training for a marathon is the next
step

56. Eating Healthy
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Personal Fulfillment
• Physical
• Nutritional
• Dreams

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Personal Fulfillment
• What are your dreams?
– What were your dreams before you entered
veterinary school?
– After graduation, what was your dream?
– What dream got changed because of ‘work’,
married ?

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Personal Fulfillment
• What are your dreams?
• Dreams are what animate and thrive and energize
or life.
– Idea for now & when get home:
– Take 15 min and write down your dreams.
– When home: you and your wife/ husband, boyfriend,
girlfriend: write down dreams in a dream book
• Read through dream book before your exercise

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The Solution:
Pay attention to Derailers
Personal
fulfillment.
Marriage
Children.
Personal
finances.

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Legacy Achiever – and peace in life
Spin the balance of
• Faith – 10 minutes a day
• Family
• Finances
• Physical Health
• Social Contribution
• Continuing Education

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Legacy Achiever
• Faith – 10 minutes a day
• Family
• Finances
• Physical Health
• Social Contribution
• Continuing Education

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Legacy Achiever – and peace in life
Spin the balance of
• Faith – 10 minutes a day
• Family
• Finances
• Physical Health
• Social Contribution
• Continuing Education
– Sound impossible?

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Myth of perfect balance
Not a destination
but a regular ongoing constant adjustment
Personal
fulfillment.
Marriage
Children.
Personal
finances.

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Legacy Achievers
balance every day
• Faith
• Family
• Finances
• Physical Health
• Social Contribution
• Continuing Education
– Sound impossible?

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If I said: I’ll give you
$1,000,000
each categories every day for the next 30
days, how many think you could do it?

67. What is important to you?
To your children?
Have you asked them?
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68. 73
In both life and football, failure
is inevitable. You don’t always win.
You can, however, learn from that
failure, pick yourself up with great
enthusiasm, and place yourself in
the arena again.
And that’s right where you will
find me. Because I know I still have
more to prove.”

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Why is it not easy?
Questions?