I have been back in the workforce for three weeks now, loving the experiment! I have been watching and listening with a whole new perspective and more than ever it seems to me that most people are quite content to be living their lives at only half their potential. You know the people I’m talking about… Perhaps, whether you’re ready to admit it or not, you might even be one of them.

They are making sacrifices to be away from their families for many weeks at a time, to create a better life, yet have no clear picture on what that ‘better life’ would look like. Now I am not saying they don’t have grand dreams of freedom, but they have never taken the time to really sit down and nut out what that life be like, and what they would need to make it happen.

As such they find themselves sitting around in the pubs, washing their unhappiness away with alcohol, complaining how life sucks. Instead of measuring up where they are at now and how this current opportunity to make the big bucks can help them to set themselves up to freedom, where they could be calling all the shots in their own life, thanks to their over-flowing bank balance.

The first thing that stops them moving forward is the lack of clarity, the second is fear – they lack the courage to truly take action towards reaching their goals. A huge part of this is psychological, because if you don’t try, you can’t fail – and this gives you the permission to continue along as you are.

You always have the thought in the back of your mind that your situation could improve in the future… When you have more time/money/energy/motivation/knowledge… When you don’t have to work away… Or the kids are old enough… Your mortgages are paid… A day rolls around that doesn’t end in ‘y’!

In a nutshell, I’m talking about the kind of people who talk and talk and confess the changes they’d like to make, the jobs they’d like to quit, the things they’d like to achieve in life… but they fail to ever actually take action towards achieving any of their goals.

Does any of this sound familiar?

Let me put it another way. Do you ever wonder where your life is going and how you will survive financially in the future, without being conscious of the consequences of riding the daily treadmill?

One thing I have learnt is that if you want to change the external, then you need to start with the internal – the way you think. The way you think dictates your actions, so it makes sense to assume that if you’re aiming to drastically change your situation, you need to start by assessing your mindset.

This is true regardless of the changes you’d like to make, whether you are thinking of creating wealth, improving your career, your health, your weight… The journey always begins with your mindset.

Let’s say you want a different job – your dream job, in fact. To make it happen, you need to take steps that will lead to your desired outcome. This means you need to update your resume and research the ‘skills gaps’ you may need in order to qualify for the role. You’ll also talk to people who already hold that position and find out how they cracked the industry.

You know that your dream job isn’t going to just fall into your lap so you take steps to make your goal come to fruition.

In other words, you take action.

This simple step – taking action – is the piece of the puzzle that many would-be investors never actually follow through with and more often than not, it’s because they lack the courage to break out of their regular habits and do something that pushes them out of their comfort zone.

Habits are what cause you to stay on the treadmill and therefore you waste your time ‘wishing’ yourself away into your dream life… Living in the hope, for instance, that someone will see your true potential and give you the dream job you so deserve. How often does that happen?

If you want to build wealth and gain a millionaire mindset, you can’t simply wish for it to happen. You need to start learning how and talk to the people that have done it before you. Read their books, attend their seminars, browse through their websites and learn their strategies for success.

As you stretch yourself out of your comfort zone, you will start to see and feel things differently. Your perspective on life will alter and it’s only natural that as you start taking action on new and exciting opportunities, your results will alter, too.

When it comes down to it, the one thing that separates winners from “gonna-dos” is simply this: the courage to take action.

By taking action and committing to your wealth creation journey, you take the first step towards taking control of your financial future.