25 Lessons I Learned in Life
Ronald Bultman '71


1. Think more of other's needs, and less of my own rights: Place the toilet seat down.

2. Dress for success: Choose a nice suit and tie for work, even when it is not required. It is easy to dress down and look sloppy, but to look sharp is beneficial. Appearance does matter.

3. If you do something, do it right. I do not study to just pass a test, but to master the material.

4. Be ever improving, learning, growing and moving forward in the relentless pursuit of excellence: At age 58 I still am challenging myself by voluntarily studying for more professional certifications so that I can be the best possible financial advisor. This year I achieved my fourth professional title: CMFC (Chartered Mutual Fund Counselor).

5. Do not become angry: It is better to forgive. I do not give control of my feelings to others, since that puts me in bondage to them. Anger makes me do things I later regret.

6. Walk and talk with God like Enoch did: Have a world and life view of the Kingdom of God. I am leaning to pray continually by being aware of God's presence.

7. Use the brain: do not be like a horse or mule which have no understanding (Ps 32:9). God gave me a brain and He expects me to use it. Avoid atrophy of the brain and keep learning.

8. Take care of my body: I walk 4+ miles daily before work, and get some exercise at work too by climbing stairs. I had the Lasik procedure done again on both eyes so that I can now see 20/20.

9. Search for wisdom: Wisdom is more precious than rubies (Pr 8:11). Ponder what you see and hear to determine if it is true, effective and sensible. Lately, I have been pondering global warming.

10. Life is a marathon: Perseverance, tenacity and effort can achieve more than high I.Q. I continue to drive myself to achieve more and not coast to the finish line. I reject taking the easy way.

11. Save and invest: Plan ahead since life contains both lean years of famine and times of plenty. I recommend clients save more than 20% of their income. Live on less than you can afford.

12. Self-discipline is necessary: Avoid gratification of every desire. Stay in control. I reject conspicuous consumption.

13. Be righteous: Let every action be noble and not self-serving, for the Lord watches over the way of the righteous, but the way of the wicked will perish (Ps 1:6). I place the interest of my clients ahead of myself and do what is best for them even if it is harmful to me.

14. When knocked down, get up: No one said life was going to be easy. View troubles, obstacles and opposition as an opportunity for personal growth. Learn from failures. Defeats help me grow stronger and wiser.

15. Be humble: Take personal responsibility for weaknesses and mistakes. Everyone knows I have them anyway. I can control my attitude.

16. Work is good: "work" is not a four letter word. Through effort, skill and persistence, I create, and follow God's example who created me. I find joy, purpose and fulfillment in my career.

17. Fear not: I have nothing to fear, nothing to hide, and nothing to lose. God is on our side. Why worry?

18. A good marriage requires effort: After 31 years of marriage, Sharon and I still go to marriage enrichment seminars. We also do daily "Devotions For Couples" by Patrick Morley. We put effort into making our relationship even better.

19. Complete the task: Finish one project before starting another. Avoid overload. Enjoy each accomplishment.

20. Simplify life: Do not become overly committed with activities or responsibilities. Complexity and over-commitment are energy drainers and cause frustration.

21. Be fruitful: God created me for His purpose and expects me to produce much fruit.

22. Risk means opportunity: Without some risk there can be no gain or advance. It is the risk/reward ratio that is important. Take prudent risks in investing and all of life.

23. The secular is spiritual: I do not separate the secular from the spiritual. Jesus is Lord of all things, and all things are to be done for his glory and kingdom.

24. Plan and organize: This enables more productivity and probability of success. It allows better time management and reduces stress. Planning is as natual to the process of success as its absence is to the process of failure.

25. Use time wisely: Do not waste time, procrastinate or be unproductive.