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Robert Kiyosaki Quote

Opinions are great. Nearly everyone has one. Who is right and who is wrong? Good questions, right? What I've discovered is that if what I'm doing over and over again is not working, it makes no sense to keep on repeating the same insanity. However, if you're okay with the path you're on, by all means keep on, keeping on.

The traditional wisdom that most everyone is following these days has its origins back in our parents and grand parents day, with only a few modifications over the years. Most everyone these days are just barely surviving on the 40/40/40 plan. You know what I'm talking about -- Work 40 hours a week for about 40 years only to retire on about 40% of what they are just barely surviving on now. 

I am intimately familiar with the 40/40/40 -- I've been there, done that for more years than I care to admit. 

Here is some basic truth in the reality of people on the 40/40/40:

  1. More people file for bankruptcy than divorce
  2. 90% those filing for bankruptcy  could have avoided their situation with an extra $300 per month 
  3. 59% of baby-boomers are behind on Retirement Savings
  4. Young Americans have over One Trillion dollars combined student debt
  5. 42% of Americans are living paycheck to paycheck
  6. 34% of Americans have no money saved for retirement
  7. 54% of Americans have not calculated their retirement number
  8. 85% Americans are behind on retirement savings
  9. By age 65, 70% will be diagnosed with heart attack or stroke or cancer.  
  10. 60% of the above will survive their diagnosis. 45% of these survivors will file for bankruptcy 

A friend of mine, who I actually respect, a professional financial planner recently posted the following on his facebook page: "Anyone who’s reached their 50s or 60s truly needs to switch their mindset from accumulation to the preservation and income planning/ distribution phase. The longevity of their comfortable retirement relies on it." As a person in my 50's I'm pleased to say that I've found a better plan.

Following the above quote there were many respondents that agreed with my friend. Many of them quoting the traditional wisdom of "down sizing, and cutting back on lifestyle expenses, evidently they were admitting to the failure of the 40/40/40. Though I agree with the wisdom of living within or below our means, if your financial plans are sound, you should never have to survive your retirement years with less than you're surviving on NOW!

I admit, I was a late bloomer when it comes to developing financial security. I actually would never have made it by listening to proponents of traditional financial wisdom. These days I am not just surviving, my wife and I are thriving. I have found my path to the future and am actually paying it forward, helping anyone who wishes to tag along realize their own dream of financial independence.

My financial health is not based on theory, opinion or conjecture. I've had enough opinion. I am also no longer relying solely on my own efforts. One simply profound truth I've discovered is that there is no way that I could perform 10x my own effort. I've had several businesses as a sole proprietor and can attest to the validity of that premise. Even though I ascribe to many principles of network marketing, traditional multi-level marketing doesn't work either.

What I have found is a sustainable and recession proof vehicle to financial freedom! I've discovered a business model that virtually anyone can do at any stage of life, a plan that rewards individual effort buy building a network of like-minded professionals. This is accomplished without selling potions, lotions, pills or other such over-priced and unsustainable products. Unlike most "network marketing" businesses the vast majority of members are nothing more than "SHOPPERS" who join for free, have no minimum orders or auto-ship requirements. This is a proven, international program which started in Austria 13 years ago with 6 members and 3 merchants. We now have over 5,000,000 members (97% of which are shoppers) and over a Billion dollars in annual revenue. 

I started this program at 58 years old after more than a decade of "downsizing." My wife, Bonnie and I have bought a new home this year and have big plans for the future. Bonnie is exiting the rat race this year -- many years ahead of plan, without fear or trepidation.

"It's more important to grow your income than to cut your expenses. It is more important to grow your spirit than to cut your dreams." ~Robert Kiyosake

No matter what stage you are with your financial goals -- if you want to do better -- it is not too late. If you give me 40 minutes and 40 months I can show you how to expand your earning and retirement potential by 400%

Contact me when you're ready to abandon the 40/40/40.  I'd love the opportunity pass along what I've discovered.



Michael Callahan 


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Michael Callahan 


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Here is my offer to each and every friend, family member or business associate -- in virtually every region, state or country: Find 5 or more friends in your region who are looking for an alternative to their current job or business trajectory -- and I WILL DRIVE or FLY in and facilitate a business development workshop just for you! 

Work With the World's Largest Customer Loyalty Network -- Supporting the World's Largest Merchant Network

This is is quite simply the best vehicle I've found to create FINANCIAL INDEPENDENCE. This program started in Austria 13 years ago with 6 members and 3 merchants. We are currently in 46 Countries, with nearly 60,000 merchants and over 5,000,000 members -- complying with the strict regulatory requirements in each. In every country where we have a presence and is developing strategic relationships with both major brands and Small to medium size enterprises.

Unlike most multilevel marketing companies, over 97% of our members are are shoppers. Membership is, and always will be FREE. Shoppers will never be required to have minimum orders, no auto-ship requirements, and we have no products to stock or sell. The premise is simple -- re-direct a portion of your shopping through our network and receive #CashBack and #LoyaltyRewards with every purchase. Shoppers also receive a Friendship Bonus when they their friends and family and they shop within the network.

No Potions, Lotions, Supplements or Pills to Stock or Sell!

Have Passport Will Travel

When you sign up as a Marketer you will be able to participate in our bonus programs, and experience greater benefits from our world-wide loyalty rewards opportunities.

Merchants within the Lyoness network benefit with more customers/clients, lowered operational costs, adding an additional revenue stream and more.

Contact me soon to get on my rapidly expanding schedule!



Michael Callahan 


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Saturday, 27 February 2016 10:00 - 15:00
1370 Stein Way, Corona, CA, US
Lyoness Business Development Workshop

3 Questions that Changed My Life

Sometimes it is the simplest things that make the biggest impact. In fact, in this case the questions were so seemingly insignificant I almost missed their profound impact.

It was just a little over two years ago that a good friend of mine asked me three simple questions:

  1. "When was the last time you put gas in your car?"
  2. "Did you get anything in return other than gas?" and,
  3. "Would you like to?"

Those three questions were repeated a few more times in regards to groceries, dining out, and entertainment. 

Some people are a little slower than others. It took me about 18 months to fully grasp the full impact of what my friend was telling me. It could have been that I was so seemingly secure in my own business paradigm of the moment that I was not ready to listen to other options. Besides, how could "SHOPPING" become a vehicle to financial independence? My hesitance may also have been related to my less than stellar experience with a few "network marketing" businesses I've tried in the past. Until now, everyone of them required that I make a list of my closest 100 friends and family, purchase products that I didn't need, have monthly order requirements, and other requirements that didn't work for me.

What I've since re-discovered is that the U.S. Economy accounts for about 25% of the world's goods and services sold. Virtually everyone shops. Everyone needs certain basics just to survive -- food for the table, gas for their cars, and clothing. Even in the darkest economic times these staples of existence will be in constant demand.

Billionaire Warren Buffet says that "if there is something you like to do, make it your hobby. If there is something that the whole world does, make it your business."

In retrospect, I've also re-learned the most important aspect of network marketing -- the power of compounding, leveraging the time, talents and treasure of others. As an individual person, employee or even as  a self-employed individual, my income potential is limited by how many productive hours I could squeeze into one day. You see, during the previous couple of years, relying on my own efforts I was not making any headway towards my goals of financial independence. When I was looking for clients I was not producing an income, when I was working on a particular contract I was not looking for now jobs. It was a vicious cycle that had to be broken.

Yes, it took hearing those three questions a second time. The 1st time I said yes to the program as a way to just help a friend. I never did anything with the opportunity until I re-heard the invitation 18 months later. Yes, just re-directing your shopping can save you about $1,500 a year -- on things you are already purchasing -- at places you already shop! However, when shopping becomes your business it can become life-changing. 

The plan is simple -- find two people who are disillusioned with the 40/40/40 plan. You know what I mean, tired of working 40 hours a week for 40 years and planning on retiring on about 40%  of what they are just getting by on now. Then just duplicate -- help those two find their two. No list of 100 warm prospects. No soaps, solutions or minimum orders. Just facilitating a network of shoppers. It works. It has been working for the past 13 years, now in 47 countries, meeting the strict legal requirements in each. Gaining the support of some of the world's leading brands. We currently have over 5 million shoppers with over a billion dollars of revenue. The way things are growing we are expecting annual revenue of $400 Billion within the next 4 years.

I am excited, my personal network is growing. I am focused on growing the number of local merchants, marketers and shoppers. Because if no shopping happens, no one makes any money!

And this excitement is still based upon three simple questions!

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What is different About Today

I'm laying in bed @ 10:00am sick with whatever bug is going around. The Doctor just told Bonnie to take the week of from work. And, do you know what? I'm not concerned about losing a day's wages or a week's income.

Why Not?

Several months back a friend had the nerve to ask me a few questions that have made a huge impact on my life:

  • " When was the last time you put gas in your car?"
  • "When was the last time you bought groceries? 
  • "When was the last time you went out to eat?"

My response to his questions was the same each time -- I do all of these things regularly. His followup questions are really what got me thinking -- "Did these guys give you anything back besides gas, groceries and a meal?" No, was my reply. My friend's reply, "would you like to?" 

What I've since learned is that it is possible, by redirecting the shopping we are already doing, at places we are already shopping,  I could save about $1,500.00 per year. Who couldn't use a few more dollars in their budget? 

Where this concept started to make life-changing impact was when he explained that by simply sharing this concept with just two people, Bonnie and I could actually double our income in a relatively short period of time. 

This is probably the most incredible business opportunity I've ever come across. I don't have to convince my friends, family or neighbors to buy soaps, potions, coffee or lotions. By simply helping a few people get started, redirecting their  shopping dollars, and assisting them with finding their own business partners, I have been able to develop a thriving business that provides me with a great deal of peace.

This is Wednesday morning., I usually spend Wednesday mornings following up with prospects and  taking care of a few business details At my home office. This morning is a little different, both Bonnie and I are home, sick, not doing a darn thing. 

You know, I really don't enjoy being sick. Even to this day I feel sort of guilty taking time off. But My feelings today are a bit different. In the past, just taking a "Sick Day" from work was nigh unto being the "unforgivable sin." You see, when you have a JOB or even for most small business owners -- if you don't work, you also don't get paid.

Do you ask yourself, from time to time any of the following questions:

  • Are you happy with your life and your job, or do you want more?
  • When you wake up in the morning, are you filled with joy or with dread?
  • Do you get out of bed excited about everything you have planned for the day, or do you get a sinking feeling in the pit of your stomach when you look at everything on your calendar?

Be Your Own Boss -- Today

If any of these questions resonate with you, “No,” don’t feel bad. I’m guessing that 99 percent of the people reading this article would agree with you - and the other 1 percent don’t need my advice anyway! But what’s really fascinating is that, of those 99 percent of readers, probably 98 percent of them are going to forget they even asked themselves the question and go back to the life they hate. They’re going to go to the job they hate, in a city they hate, with coworkers they hate. And they’re going to do that again and again, because they’re either too afraid to change or because they don’t know how to do anything else.


Contact Lion's Share Network when you're ready for something different! We have a few viable options. These are part-time to start, business opportunities, requiring minimal up-front costs. You can keep your day job for now, work from home to start, while you are building your financial independence!

Lion's Share Merchant Network Lion's Share Network Business Opportunities Lion's Share Networking Opportunities
Contact the Lion's Share Network ASAP to learn more about this exciting opportunity.
Contacting Lion's Share Network

Do any of the above opportunities sound interesting? If so, you can contact us  during normal business hours by calling 510.421.2255 -- or via email @ This email address is being protected from spambots. You need JavaScript enabled to view it. -- When contacting us via email please include the subject of the inquiry, the best way to reach you as well as the best time to contact you!

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