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Published on 22 Sep, 2023

In last week’s newsletter on ‘The Hypnotic Law of Rhythm’, I shared with you that I’m back in Whyalla for a week.

My football team played in the grand final on the weekend and I ran water for the boys.

Our team had won the last three premierships and we were going for our fourth in a row against our greatest rival.

Unfortunately our team was defeated by a better team on the day…

I went back to the footy club after the game and indulged in a few too many commiseration drinks. It was good fun catching up with my old team mates. However, after a few drinks my decision making abilities went out the window.

I didn’t get home until 5am on Sunday morning…

Staying out until the early hours of the morning is a rarity for me these days.

I’m usually in bed by 9pm on a Saturday night.

I love being a grandpa (haha).

And now I remember why I don’t enjoy drinking to excess and staying out until the early hours of the morning anymore…

I don’t feel crisp.
My mind feels foggy.
I’m not in my usual upbeat energy.

Two of the biggest factors which negatively impact my mood and productivity are:


1. Drinking alcohol to excess
2. Lack of Sleep

And I’m feeling the after effects of both of these right now!

But I have commitments to fulfil.

Monday morning is my time where I write these newsletter to you. And I enjoy writing these for you. But some mornings (like today), it’s a struggle.

However, I will push through my temporary self-inflicted pain and use it to share an important lesson with you.

To become a financial success you must become a great decision maker.


Decision making is a critical ingredient to financial success.

It’s that important that Napoleon Hill dedicated a whole chapter on decision making in his masterpiece ‘Think and Grow Rich’.

Hill wrote:

“Analysis of several hundred people who had accumulated fortunes well beyond the million dollar mark, disclosed the fact that every one of them had the habit of REACHING DECISIONS PROMPTLY, and of changing these decisions SLOWLY, if, and when they were changed. People who fail to accumulate money, without exception, have the habit of reaching decisions, IF AT ALL, very slowly, and of changing these decisions quickly and often.”

If you struggle with procrastination and making decisions then I highly recommend reading Chapter 8 of ‘Think and Grow Rich’ everyday until the message sinks in.

Decision making is a challenge for most people.

I believe this is because most people don’t know what they really want.

And if they do know what they want, they overthink the decision.

Analysis paralysis.

They wait for all their ducks to be lined up.
They wait for all the information before they make a move.
They want to know HOW everything will unfold before they’ve made the decision.

But what I’ve learned and experienced myself is NOTHING happens until you make the decision.

As soon as a decision is made, everything changes. You feel liberated. Your energy shifts to a higher level. And the next step you need to take reveals itself.

You stop wasting time and energy overthinking about all the ‘what-if’s’.

You TRUST that everything will work out for you.

If you struggle with making decisions then you can check out a video from my self-paced online course ‘Money Mastery with Marshy’ where I unpack the importance of making a committed decision.

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Financial Habits Mentor & Host of the Podcast 'Money Mastery with Marshy.


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